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 32409 are overassessed?

41% of homes in Southport ZIP 32409 (1,705 of 4,154 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 Southport ZIP 32409?

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 · Southport

ZIP 32409 property tax overassessment report

41% of homes in Southport ZIP 32409 (1,705 of 4,154 parcels) are assessed more than 10% above what comparable-size homes in the same ZIP typically pay per square foot. Combined annual overpayment: $1,596,242.

Check your address →Bay County guide

4,154

Homes in ZIP

1,705

Flagged as overassessed

41%

$108,862

Avg overage / home

$253,592

Typical value

~$111/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 32409

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 HWY 2321	3,844	2000	$1,644,748	$426,684	$1,218,064	285.5%	$10,475
1XXXX LITTLE BLUE LN	7,213	2000	$1,813,465	$800,643	$1,012,822	126.5%	$8,710
1XXX OAK HARBOR RD	4,326	1999	$1,418,108	$480,186	$937,922	195.3%	$8,066
7XXX FANNING BAYOU DR	5,689	1974	$1,477,665	$631,479	$846,186	134%	$7,277
7XXX KINGSWOOD RD	4,886	1994	$1,388,443	$542,346	$846,097	156%	$7,276
1XXXX BLUE LAKE RD	2,591	2020	$826,002	$287,601	$538,401	187.2%	$4,630
1XXXX HWY 77	1,601	1965	$698,739	$177,711	$521,028	293.2%	$4,481
1XX LAKE MERIAL BLVD	5,495	2016	$1,110,638	$609,945	$500,693	82.1%	$4,306
3XXX NEW CHURCH RD	5,271	2001	$1,051,263	$585,081	$466,182	79.7%	$4,009
6XXX GRASSY POINT RD	4,351	1992	$942,954	$482,961	$459,993	95.2%	$3,956
9X ALEGRO DR	3,956	2017	$891,233	$439,116	$452,117	103%	$3,888
1XXX ELMA RUTH DR	5,777	2001	$1,081,197	$641,247	$439,950	68.6%	$3,784
1XX CASHEL MARA DR	3,030	2003	$757,493	$336,330	$421,163	125.2%	$3,622
3XX W HWY 388	2,616	1981	$711,058	$290,376	$420,682	144.9%	$3,618
7XXX GRASSY POINT RD	2,154	1960	$651,141	$239,094	$412,047	172.3%	$3,544
1XXX E HWY 388	2,061	2004	$637,471	$228,771	$408,700	178.7%	$3,515
1XX LAKE MERIAL SHORES DR	5,973	2024	$1,070,471	$663,003	$407,468	61.5%	$3,504
3XXX E HWY 20	1,064	1999	$522,596	$118,104	$404,492	342.5%	$3,479
7XXX BAKER AVE	4,556	1999	$908,757	$505,716	$403,041	79.7%	$3,466
1XXX ELMA RUTH DR	2,280	2002	$654,274	$253,080	$401,194	158.5%	$3,450
7XXX S GAINER BAYOU RD	1,112	2016	$519,384	$123,432	$395,952	320.8%	$3,405
1XX CASHEL MARA DR	3,693	2019	$803,444	$409,923	$393,521	96%	$3,384
2XXX PRICE LN	3,997	1955	$837,139	$443,667	$393,472	88.7%	$3,384
3XX CONFIDENCE WAY	2,866	2021	$710,821	$318,126	$392,695	123.4%	$3,377
8XX E HWY 20	2,076	2002	$621,320	$230,436	$390,884	169.6%	$3,362

Data: FL DOR 2025 Final NAL roll, Bay County, ZIP 32409. 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.

Check my address →