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 32548 are overassessed?

32.1% of homes in Ft Walton Beach ZIP 32548 (3,712 of 11,565 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 Ft Walton Beach ZIP 32548?

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 · Ft Walton Beach

ZIP 32548 property tax overassessment report

32.1% of homes in Ft Walton Beach ZIP 32548 (3,712 of 11,565 parcels) are assessed more than 10% above what comparable-size homes in the same ZIP typically pay per square foot. Combined annual overpayment: $6,988,623.

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

11,565

Homes in ZIP

3,712

Flagged as overassessed

32.1%

$218,920

Avg overage / home

$352,914

Typical value

~$234/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 32548

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
2XX YACHT CLUB DR	11,552	2012	$4,666,067	$2,703,168	$1,962,899	72.6%	$16,881
2XX YACHT CLUB DR	9,430	2009	$4,107,361	$2,206,620	$1,900,741	86.1%	$16,346
2XX SE HOOD AVE	6,513	2024	$2,717,239	$1,524,042	$1,193,197	78.3%	$10,261
4XX CAVIAR DR	8,593	2022	$3,063,113	$2,010,762	$1,052,351	52.3%	$9,050
2XX YACHT CLUB DR	7,883	2011	$2,863,372	$1,844,622	$1,018,750	55.2%	$8,761
2XX BROOKS ST	4,932	2021	$2,084,880	$1,154,088	$930,792	80.7%	$8,005
2XX BROOKS ST	5,446	2022	$2,184,753	$1,274,364	$910,389	71.4%	$7,829
4XX ABALONE CT	12,173	2023	$3,750,540	$2,848,482	$902,058	31.7%	$7,758
4XX ABALONE CT	12,173	2023	$3,750,540	$2,848,482	$902,058	31.7%	$7,758
3 NEPTUNE CT	6,525	1998	$2,337,587	$1,526,850	$810,737	53.1%	$6,972
2XX VENTURA CIR	5,515	1998	$2,085,939	$1,290,510	$795,429	61.6%	$6,841
1XXX SANTA ROSA BLVD A601	1,517	2008	$1,136,400	$354,978	$781,422	220.1%	$6,720
1XXX SANTA ROSA BLVD B601	1,517	2008	$1,136,400	$354,978	$781,422	220.1%	$6,720
1XXX SANTA ROSA BLVD A501	1,517	2008	$1,126,400	$354,978	$771,422	217.3%	$6,634
1XXX SANTA ROSA BLVD B501	1,517	2008	$1,126,400	$354,978	$771,422	217.3%	$6,634
1XXX SANTA ROSA BLVD A600	1,507	2008	$1,117,000	$352,638	$764,362	216.8%	$6,574
1XXX SANTA ROSA BLVD B600	1,507	2008	$1,117,000	$352,638	$764,362	216.8%	$6,574
1XXX SANTA ROSA BLVD A401	1,517	2008	$1,116,400	$354,978	$761,422	214.5%	$6,548
1XXX SANTA ROSA BLVD B401	1,517	2008	$1,116,400	$354,978	$761,422	214.5%	$6,548
1XXX SANTA ROSA BLVD B602	1,517	2008	$1,114,672	$354,978	$759,694	214%	$6,533
1XXX SANTA ROSA BLVD A500	1,507	2008	$1,107,000	$352,638	$754,362	213.9%	$6,488
1XXX SANTA ROSA BLVD B500	1,507	2008	$1,107,000	$352,638	$754,362	213.9%	$6,488
1XXX SANTA ROSA BLVD A301	1,517	2008	$1,106,400	$354,978	$751,422	211.7%	$6,462
1XXX SANTA ROSA BLVD B301	1,517	2008	$1,106,400	$354,978	$751,422	211.7%	$6,462
1XXX SANTA ROSA BLVD B502	1,517	2008	$1,104,672	$354,978	$749,694	211.2%	$6,447

Data: FL DOR 2025 Final NAL roll, Okaloosa County, ZIP 32548. 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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