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 32531 are overassessed?

39.3% of homes in Baker ZIP 32531 (849 of 2,158 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 Baker ZIP 32531?

File Form DR-486 with the Okaloosa 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.

Okaloosa County · Baker

ZIP 32531 property tax overassessment report

39.3% of homes in Baker ZIP 32531 (849 of 2,158 parcels) are assessed more than 10% above what comparable-size homes in the same ZIP typically pay per square foot. Combined annual overpayment: $586,830.

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

2,158

Homes in ZIP

849

Flagged as overassessed

39.3%

$80,372

Avg overage / home

$235,782

Typical value

~$106/sqft

Your Okaloosa County deadline

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

Okaloosa filing guide →

Top 25 most overassessed homes in 32531

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
5XXX GRIFFITH MILL RD	10,766	2002	$1,994,599	$1,141,196	$853,403	74.8%	$7,339
1XXX HWY C-180	8,019	1997	$1,455,013	$850,014	$604,999	71.2%	$5,203
5XXX JACK STOKES RD	4,784	2016	$1,010,174	$507,104	$503,070	99.2%	$4,326
1XXX VINSON RAY RD	4,469	2021	$946,277	$473,714	$472,563	99.8%	$4,064
4XX BROOKS RD	5,896	2022	$1,002,140	$624,976	$377,164	60.3%	$3,244
9XX HWY C4 A	5,706	2008	$964,250	$604,836	$359,414	59.4%	$3,091
1XXX GREENWOOD RD	4,688	2024	$853,123	$496,928	$356,195	71.7%	$3,063
6XXX W HWY 4	3,960	2023	$775,003	$419,760	$355,243	84.6%	$3,055
1XXX HWY C-180	732	1938	$400,942	$77,592	$323,350	416.7%	$2,781
1XXX SKY RANCH DR	2,678	1999	$603,827	$283,868	$319,959	112.7%	$2,752
5XXX BUCK WARD RD	3,357	2015	$668,885	$355,842	$313,043	88%	$2,692
6XXX DAIRY RD	2,905	2018	$620,491	$307,930	$312,561	101.5%	$2,688
8XXX JORDAN RD	6,495	2001	$985,467	$688,470	$296,997	43.1%	$2,554
1XXX LIGHTHOUSE CHURCH RD	3,537	2020	$655,530	$374,922	$280,608	74.8%	$2,413
5XXX OLD RIVER RD	3,954	2022	$693,860	$419,124	$274,736	65.6%	$2,363
6XXX BUCK WARD RD	1,633	1956	$440,237	$173,098	$267,139	154.3%	$2,297
1XXX COUNTRY LIVING RD	3,927	2018	$677,442	$416,262	$261,180	62.7%	$2,246
7XXX N HWY 189	2,533	2023	$529,080	$268,498	$260,582	97.1%	$2,241
1XXX SKY RANCH DR	2,476	2019	$521,640	$262,456	$259,184	98.8%	$2,229
1XXX VINSON RAY RD	3,445	1995	$620,664	$365,170	$255,494	70%	$2,197
6XXX HOLLOWAY RD	3,823	2006	$651,019	$405,238	$245,781	60.7%	$2,114
1XXX VINSON RAY RD	2,650	2004	$523,066	$280,900	$242,166	86.2%	$2,083
5XXX KEYSER MILL RD	5,080	2017	$777,372	$538,480	$238,892	44.4%	$2,054
5XXX JACK STOKES RD	3,879	2005	$647,169	$411,174	$235,995	57.4%	$2,030
8XX MELTON RD	4,401	2021	$695,598	$466,506	$229,092	49.1%	$1,970

Data: FL DOR 2025 Final NAL roll, Okaloosa County, ZIP 32531. 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 OkaloosaCounty's TRIM notice mails this August, you'll have a $49 DR-486 packet ready to file with the VAB.

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