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 32435 are overassessed?

35.9% of homes in Defuniak Springs ZIP 32435 (752 of 2,095 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 Defuniak Springs ZIP 32435?

File Form DR-486 with the Walton 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.

Walton County · Defuniak Springs

ZIP 32435 property tax overassessment report

35.9% of homes in Defuniak Springs ZIP 32435 (752 of 2,095 parcels) are assessed more than 10% above what comparable-size homes in the same ZIP typically pay per square foot. Combined annual overpayment: $437,724.

Check my address (free) →Walton County guide

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

2,095

Homes in ZIP

752

Flagged as overassessed

35.9%

$67,684

Avg overage / home

$177,798

Typical value

~$88/sqft

Your Walton County deadline

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

Walton filing guide →

Top 25 most overassessed homes in 32435

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
9XX W INDIAN CREEK RANCH RD	9,080	1995	$2,962,818	$799,040	$2,163,778	270.8%	$18,608
6XXX S US HWY 331	2,020	1998	$1,017,096	$177,760	$839,336	472.2%	$7,218
1XXX FREEPORT RD	1,582	1948	$790,931	$139,216	$651,715	468.1%	$5,605
3XX CIRCLE DR	4,049	2015	$927,198	$356,312	$570,886	160.2%	$4,910
1XXX S US HWY 331	3,991	1964	$886,540	$351,208	$535,332	152.4%	$4,604
7XX CIRCLE DR	3,884	2024	$714,117	$341,792	$372,325	108.9%	$3,202
4XXX ROCK HILL RD	2,936	2016	$618,207	$258,368	$359,839	139.3%	$3,095
2XXX WOODYARD RD	912	2024	$439,756	$80,256	$359,500	447.9%	$3,092
4XX CIRCLE DR	2,450	2022	$546,562	$215,600	$330,962	153.5%	$2,846
4XX CIRCLE DR	5,362	1960	$802,772	$471,856	$330,916	70.1%	$2,846
4X CIRCLE DR	3,333	1988	$620,838	$293,304	$327,534	111.7%	$2,817
5XX CIRCLE DR	5,761	1907	$821,345	$506,968	$314,377	62%	$2,704
5XX CIRCLE DR	4,580	1942	$702,949	$403,040	$299,909	74.4%	$2,579
8XX CIRCLE DR	2,542	1925	$520,192	$223,696	$296,496	132.5%	$2,550
7XX CIRCLE DR	4,198	1922	$664,322	$369,424	$294,898	79.8%	$2,536
3XX CIRCLE DR	3,264	1965	$572,517	$287,232	$285,285	99.3%	$2,453
5X PLATEAU AVE	2,395	1900	$492,707	$210,760	$281,947	133.8%	$2,425
6X CIRCLE DR	4,074	1907	$618,374	$358,512	$259,862	72.5%	$2,235
7XX CIRCLE DR	4,115	1920	$616,928	$362,120	$254,808	70.4%	$2,191
1XX VIA INTERNACIONAL	4,162	2015	$589,267	$366,256	$223,011	60.9%	$1,918
2XX LAKESIDE DR	3,834	1996	$547,115	$337,392	$209,723	62.2%	$1,804
6XXX S US HWY 331	3,067	1985	$477,661	$269,896	$207,765	77%	$1,787
1XXX S 19TH ST	5,272	1980	$669,331	$463,936	$205,395	44.3%	$1,766
8XX CIRCLE DR	3,794	1950	$538,167	$333,872	$204,295	61.2%	$1,757
7XX CIRCLE DR	3,026	1947	$469,058	$266,288	$202,770	76.1%	$1,744

Data: FL DOR 2025 Final NAL roll, Walton County, ZIP 32435. 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 WaltonCounty's TRIM notice mails this August, you'll have a $49 DR-486 packet ready to file with the VAB.

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