What is a property tax appeal?

A property tax appeal (also called a protest in Texas, or a VAB petition in Florida) is a formal process where you challenge your county appraiser's assessed value of your home. You file with the county Appraisal Review Board (Texas) or Value Adjustment Board (Florida), present comparable-sales evidence that your home is overvalued, and the board issues a ruling.

When is the Florida property tax appeal deadline?

Florida property owners have 25 days from the date the TRIM (Truth in Millage) notice is mailed to file a VAB petition (Form DR-486). TRIM notices typically mail mid-August, putting the petition deadline in early-to-mid September. The deadline varies by county and is printed on the TRIM notice itself.

When is the Texas property tax appeal deadline?

In Texas, the deadline to file a property tax protest is May 15 each year (or 30 days after your appraisal notice is mailed, whichever is later). The 2026 deadline has passed; the next protest window is April-May 2027.

How much can I save by appealing my property taxes?

Homeowners who appeal save an average of $774 per year in Texas and several hundred to several thousand dollars per year in Florida (Save Our Homes locks in the savings for 10+ years). Success rates range from 80-91% when you bring 3-5 comparable sales as evidence.

What's the difference between AppealMyTax and Ownwell?

AppealMyTax charges a flat $49 for a complete personalized appeal packet you file yourself, or $199-$249 for our done-for-you filing service. Ownwell charges a 25-35% contingency on whatever you save — meaning a $2,000 reduction costs you $500-$700 every year forever. We keep 100% of your savings.

What percent of homes in ZIP 32428 are overassessed?

36.8% of homes in Chipley ZIP 32428 (2,006 of 5,447 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 Chipley ZIP 32428?

File Form DR-486 with the Washington 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.

Washington County · Chipley

ZIP 32428 property tax overassessment report

36.8% of homes in Chipley ZIP 32428 (2,006 of 5,447 parcels) are assessed more than 10% above what comparable-size homes in the same ZIP typically pay per square foot. Combined annual overpayment: $1,009,082.

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★ First 100 FL packets at $49 (62 left, then $79 starting June 1) · 30-day refund · Ownwell takes 25-35%

5,447

Homes in ZIP

2,006

Flagged as overassessed

36.8%

$58,492

Avg overage / home

$174,437

Typical value

~$95/sqft

Your Washington County deadline

TRIM mailing: Mid-August 2026 · VAB petition due: 25 days after TRIM mailing (typically mid-September 2026)

Washington filing guide →

Top 25 most overassessed homes in 32428

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
1XXX PINEY GROVE RD	3,630	2008	$792,215	$344,850	$447,365	129.7%	$3,847
4XXX LEISURE LAKES DR	2,729	2018	$612,992	$259,255	$353,737	136.4%	$3,042
1XXX SHADY OAKS LN	3,643	1999	$699,036	$346,085	$352,951	102%	$3,035
3XXX CRYSTAL LAKE DR	1,303	1983	$455,719	$123,785	$331,934	268.2%	$2,855
3XXX CRYSTAL LAKE DR	4,001	2006	$686,267	$380,095	$306,172	80.6%	$2,633
5XXX PINE RIDGE DR	1,644	2017	$448,006	$156,180	$291,826	186.9%	$2,510
3XXX ANTLER TRL	2,319	2003	$499,799	$220,305	$279,494	126.9%	$2,404
6XX HUTCHISON RD	5,484	1989	$798,594	$520,980	$277,614	53.3%	$2,387
1XXX BUTTERFIELD DR	3,854	2012	$638,163	$366,130	$272,033	74.3%	$2,339
1XXX PINEY GROVE RD	4,453	2007	$689,989	$423,035	$266,954	63.1%	$2,296
1XX SEARCY RD	5,942	2019	$825,786	$564,490	$261,296	46.3%	$2,247
4XXX LEISURE LAKES DR	2,678	1997	$498,119	$254,410	$243,709	95.8%	$2,096
5XXX SPRING POND RD	2,395	2011	$470,671	$227,525	$243,146	106.9%	$2,091
1XXX FAIRWAY DR	4,009	1986	$623,572	$380,855	$242,717	63.7%	$2,087
3XXX CRYSTAL LAKE DR	3,772	1990	$600,602	$358,340	$242,262	67.6%	$2,083
3XXX CRYSTAL LAKE DR	1,853	1993	$417,503	$176,035	$241,468	137.2%	$2,077
4119B CRYSTAL LAKE DR	442	2019	$280,079	$41,990	$238,089	567%	$2,048
5XX LAKEPOINTE DR	2,737	2017	$497,770	$260,015	$237,755	91.4%	$2,045
2XXX KENT RD	2,670	2008	$490,543	$253,650	$236,893	93.4%	$2,037
4XXX LEISURE LAKES DR	1,480	2000	$375,005	$140,600	$234,405	166.7%	$2,016
3XXX CRYSTAL LAKE DR	1,480	1994	$371,766	$140,600	$231,166	164.4%	$1,988
4XXX LEISURE LAKES DR	2,939	2006	$508,307	$279,205	$229,102	82.1%	$1,970
3XXX CRYSTAL LAKE DR	1,670	1998	$385,143	$158,650	$226,493	142.8%	$1,948
4XXX LEISURE LAKES DR	1,706	2001	$387,177	$162,070	$225,107	138.9%	$1,936
2XXX PIONEER RD	2,986	2001	$506,121	$283,670	$222,451	78.4%	$1,913

Data: FL DOR 2025 Final NAL roll, Washington County, ZIP 32428. 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 WashingtonCounty's TRIM notice mails this August, you'll have a $49 DR-486 packet ready to file with the VAB.

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