What is a property tax appeal?

A property tax appeal (also called a protest) is a formal process where you challenge your county appraisal district's assessed value of your home. In Texas, you file a protest with your county's Appraisal Review Board (ARB), present evidence that your home is overvalued, and the ARB issues a ruling.

What's the deadline to file a property tax protest in Texas?

In Texas, the deadline to file a property tax protest is May 15, 2026 (or 30 days after your appraisal notice is mailed, whichever is later). There are no extensions.

How much can I save by appealing my property taxes?

Texas homeowners who appeal save an average of $774 per year. Success rates range from 80-91% when homeowners bring comparable sales evidence.

What percent of homes in ZIP 32405 are overassessed?

32.3% of homes in Panama City ZIP 32405 (3,128 of 9,675 parcels) are assessed more than 10% above the typical per-square-foot value for the neighborhood, based on the FL DOR 2025 Final NAL roll.

How do I appeal my property taxes in Panama City ZIP 32405?

File Form DR-486 with the Bay County Value Adjustment Board within 25 days of your TRIM notice (typically mid-August). The $15 filing fee is paid to the Clerk of Court. Strong petitions include 3-5 comparable sales from your immediate area.

Bay County · Panama City

ZIP 32405 property tax overassessment report

32.3% of homes in Panama City ZIP 32405 (3,128 of 9,675 parcels) are assessed more than 10% above what comparable-size homes in the same ZIP typically pay per square foot. Combined annual overpayment: $2,636,251.

Check your address →Bay County guide

9,675

Homes in ZIP

3,128

Flagged as overassessed

32.3%

$97,999

Avg overage / home

$249,795

Typical value

~$114/sqft

Your Bay County deadline

TRIM mailing: Aug 17, 2026 · VAB petition due: Sept 11, 2026

Bay filing guide →

Top 25 most overassessed homes in 32405

Addresses anonymized. Pulled directly from the FL DOR 2025 Final NAL roll. Each home pays significantly more than what a comparable-size home in this ZIP typically pays.

Address	Sq ft	Year	Just value	Expected	Overage	% over	$/yr
4XXX NORTHSHORE ISLANDS RD	5,919	2010	$2,319,505	$674,766	$1,644,739	243.7%	$14,145
3XXX HARBOUR PL	11,543	2008	$2,751,935	$1,315,902	$1,436,033	109.1%	$12,350
3XXX KINGS HARBOUR RD	5,484	1984	$1,925,757	$625,176	$1,300,581	208%	$11,185
3XXX HARBOUR PL	4,466	1987	$1,749,638	$509,124	$1,240,514	243.7%	$10,668
3XXX W 30TH CT	10,034	2019	$2,303,956	$1,143,876	$1,160,080	101.4%	$9,977
2XXX TRACY LN	5,800	2009	$1,764,523	$661,200	$1,103,323	166.9%	$9,489
2XXX W 33RD ST	9,640	1990	$2,099,263	$1,098,960	$1,000,303	91%	$8,603
1XXX SAVANNAH DR	5,152	1999	$1,513,312	$587,328	$925,984	157.7%	$7,963
2XXX ASHLAND DR	5,621	1958	$1,541,862	$640,794	$901,068	140.6%	$7,749
1XXX SAVANNAH DR	4,949	1999	$1,449,717	$564,186	$885,531	157%	$7,616
3XXX PRINCESS LN	3,071	1955	$1,227,024	$350,094	$876,930	250.5%	$7,542
3XXX W 30TH CT	8,706	1999	$1,865,254	$992,484	$872,770	87.9%	$7,506
3XXX ROBINSON BAYOU CIR	15,052	2004	$2,544,025	$1,715,928	$828,097	48.3%	$7,122
3XXX W 30TH CT	5,085	1973	$1,394,994	$579,690	$815,304	140.6%	$7,012
3XXX KINGS HARBOUR RD	4,955	1990	$1,317,363	$564,870	$752,493	133.2%	$6,471
3XXX HARBOUR PL	6,273	2000	$1,461,594	$715,122	$746,472	104.4%	$6,420
3XXX W 30TH CT	8,180	2007	$1,668,845	$932,520	$736,325	79%	$6,332
3XXX HARBOUR PL	9,189	1986	$1,774,238	$1,047,546	$726,692	69.4%	$6,250
3XXX HARBOUR PL	7,117	2005	$1,530,585	$811,338	$719,247	88.6%	$6,186
3XXX PRINCESS LN	4,536	2016	$1,214,343	$517,104	$697,239	134.8%	$5,996
3XXX KINGS HARBOUR RD	4,853	1996	$1,244,513	$553,242	$691,271	124.9%	$5,945
3XXX W 30TH CT	6,868	2006	$1,452,964	$782,952	$670,012	85.6%	$5,762
2XXX W 27TH CT	5,137	1983	$1,233,348	$585,618	$647,730	110.6%	$5,570
4XXX ASHLAND RD	4,671	2017	$1,169,752	$532,494	$637,258	119.7%	$5,480
4XXX ASHLAND RD	5,414	2001	$1,250,716	$617,196	$633,520	102.6%	$5,448

Data: FL DOR 2025 Final NAL roll, Bay County, ZIP 32405. Addresses anonymized to protect privacy; full data is public record under Fla. Stat. Ch. 119. Showing top 25 — there are likely more overassessed homes in this ZIP.

Is yours one of them?

Search your address — we'll show your specific overassessment estimate in 30 seconds. Then when BayCounty's TRIM notice mails this August, you'll have a $49 DR-486 packet ready to file with the VAB.

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