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 32407 are overassessed?

29.1% of homes in Panama City Beach ZIP 32407 (2,606 of 8,968 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 Beach ZIP 32407?

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 Beach

ZIP 32407 property tax overassessment report

29.1% of homes in Panama City Beach ZIP 32407 (2,606 of 8,968 parcels) are assessed more than 10% above what comparable-size homes in the same ZIP typically pay per square foot. Combined annual overpayment: $4,454,369.

Check your address →Bay County guide

8,968

Homes in ZIP

2,606

Flagged as overassessed

29.1%

$198,753

Avg overage / home

$375,699

Typical value

~$242/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 32407

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
1XXXX FRONT BEACH RD	4,155	2022	$4,023,272	$1,005,510	$3,017,762	300.1%	$25,953
1XXXX FRONT BEACH RD	2,279	1993	$2,447,360	$551,518	$1,895,842	343.7%	$16,304
1XXXX OLEANDER DR	6,467	2024	$3,382,536	$1,565,014	$1,817,522	116.1%	$15,631
1XXXX OLEANDER DR	2,772	1938	$2,389,616	$670,824	$1,718,792	256.2%	$14,782
1XXXX OLEANDER DR A-B	5,890	1945	$3,095,725	$1,425,380	$1,670,345	117.2%	$14,365
1XXXX OLEANDER DR	2,050	1950	$2,076,342	$496,100	$1,580,242	318.5%	$13,590
1XXXX OLEANDER DR	1,819	1938	$1,937,716	$440,198	$1,497,518	340.2%	$12,879
1XXXX OLEANDER DR	2,356	1938	$2,064,517	$570,152	$1,494,365	262.1%	$12,852
1XXXX OLEANDER DR	1,447	1939	$1,837,969	$350,174	$1,487,795	424.9%	$12,795
1XXXX OLEANDER DR	1,428	1950	$1,824,737	$345,576	$1,479,161	428%	$12,721
1XXXX OLEANDER DR	2,810	1940	$2,104,332	$680,020	$1,424,312	209.5%	$12,249
1XXXX OLEANDER DR	3,424	2003	$2,251,708	$828,608	$1,423,100	171.7%	$12,239
1XXXX OLEANDER DR	1,716	1960	$1,758,295	$415,272	$1,343,023	323.4%	$11,550
1XXXX OLEANDER DR	3,473	1997	$2,178,512	$840,466	$1,338,046	159.2%	$11,507
1XXXX OLEANDER DR	2,117	1945	$1,841,041	$512,314	$1,328,727	259.4%	$11,427
1XXXX OLEANDER DR	1,860	1944	$1,770,268	$450,120	$1,320,148	293.3%	$11,353
1XXXX OLEANDER DR	4,740	2018	$2,442,368	$1,147,080	$1,295,288	112.9%	$11,139
1XXXX OLEANDER DR	2,421	1945	$1,872,488	$585,882	$1,286,606	219.6%	$11,065
1XXXX OLEANDER DR	1,895	1946	$1,743,330	$458,590	$1,284,740	280.2%	$11,049
1XXXX OLEANDER DR	2,580	1940	$1,907,298	$624,360	$1,282,938	205.5%	$11,033
1XXXX OLEANDER DR	1,956	1952	$1,749,733	$473,352	$1,276,381	269.6%	$10,977
1XXXX OLEANDER DR	2,579	1949	$1,896,238	$624,118	$1,272,120	203.8%	$10,940
1XXXX OLEANDER DR	2,130	1938	$1,783,585	$515,460	$1,268,125	246%	$10,906
1XXXX OLEANDER DR	3,320	1945	$2,046,260	$803,440	$1,242,820	154.7%	$10,688
1XXXX OLEANDER DR	2,807	1945	$1,918,869	$679,294	$1,239,575	182.5%	$10,660

Data: FL DOR 2025 Final NAL roll, Bay County, ZIP 32407. 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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