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 32459 are overassessed?

32.2% of homes in Santa Rosa Beach ZIP 32459 (4,978 of 15,439 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 Santa Rosa Beach ZIP 32459?

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 · Santa Rosa Beach

ZIP 32459 property tax overassessment report

32.2% of homes in Santa Rosa Beach ZIP 32459 (4,978 of 15,439 parcels) are assessed more than 10% above what comparable-size homes in the same ZIP typically pay per square foot. Combined annual overpayment: $35,424,588.

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

15,439

Homes in ZIP

4,978

Flagged as overassessed

32.2%

$827,468

Avg overage / home

$1,077,549

Typical value

~$396/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 32459

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
1XX CHIVAS LN	1,220	2017	$4,601,657	$483,120	$4,118,537	852.5%	$35,419
2XXX E CO HWY 30A	1,821	1953	$4,769,446	$721,116	$4,048,330	561.4%	$34,816
2XXX E CO HWY 30A	1,714	1953	$4,722,693	$678,744	$4,043,949	595.8%	$34,778
2XXX E CO HWY 30A	2,049	1986	$4,787,293	$811,404	$3,975,889	490%	$34,193
2XXX E CO HWY 30A	1,927	1979	$4,728,896	$763,092	$3,965,804	519.7%	$34,106
9X SEAWATCH DR	2,299	1981	$4,861,321	$910,404	$3,950,917	434%	$33,978
2XXX E CO HWY 30A	2,571	1995	$4,958,945	$1,018,116	$3,940,829	387.1%	$33,891
2XXX E CO HWY 30A	2,173	1991	$4,743,134	$860,508	$3,882,626	451.2%	$33,391
2XXX E CO HWY 30A	2,581	2001	$4,880,946	$1,022,076	$3,858,870	377.6%	$33,186
4XXX E CO HWY 30A	2,395	1994	$4,799,410	$948,420	$3,850,990	406%	$33,119
6XX EASTERN LAKE RD	2,968	1981	$4,987,506	$1,175,328	$3,812,178	324.4%	$32,785
2XXX E CO HWY 30A	2,587	1950	$4,832,911	$1,024,452	$3,808,459	371.8%	$32,753
4X MONTGOMERY ST	2,278	1948	$4,683,009	$902,088	$3,780,921	419.1%	$32,516
5X PERIWINKLE LN	3,016	1980	$4,951,784	$1,194,336	$3,757,448	314.6%	$32,314
4X SEA WALK CIR	2,194	1993	$4,601,903	$868,824	$3,733,079	429.7%	$32,104
2XXX E CO HWY 30A	2,404	1999	$4,653,202	$951,984	$3,701,218	388.8%	$31,830
7XX MACK BAYOU RD	318	1999	$3,791,508	$125,928	$3,665,580	2910.9%	$31,524
2XX GULF SHORE DR	2,330	1986	$4,579,747	$922,680	$3,657,067	396.4%	$31,451
5X SEAWATCH DR	2,709	1994	$4,641,141	$1,072,764	$3,568,377	332.6%	$30,688
1XX GULF SHORE DR	3,040	1995	$4,748,376	$1,203,840	$3,544,536	294.4%	$30,483
2XXX E CO HWY 30A	2,534	1999	$4,526,704	$1,003,464	$3,523,240	351.1%	$30,300
6XX BLUE MOUNTAIN RD	2,754	1963	$4,541,022	$1,090,584	$3,450,438	316.4%	$29,674
1XX GULF SHORE DR	3,242	1994	$4,727,846	$1,283,832	$3,444,014	268.3%	$29,619
1XXX E CO HWY 30A	2,543	1997	$4,443,088	$1,007,028	$3,436,060	341.2%	$29,550
5XXX W CO HWY 30A	924	1958	$3,786,635	$365,904	$3,420,731	934.9%	$29,418

Data: FL DOR 2025 Final NAL roll, Walton County, ZIP 32459. 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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