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 32563 are overassessed?

21.1% of homes in Gulf Breeze ZIP 32563 (2,541 of 12,039 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 Gulf Breeze ZIP 32563?

File Form DR-486 with the Santa Rosa 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.

Santa Rosa County · Gulf Breeze

ZIP 32563 property tax overassessment report

21.1% of homes in Gulf Breeze ZIP 32563 (2,541 of 12,039 parcels) are assessed more than 10% above what comparable-size homes in the same ZIP typically pay per square foot. Combined annual overpayment: $4,030,020.

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★ $49 flat protest packet · 30-day refund · Ownwell charges 25-35% of your savings

12,039

Homes in ZIP

2,541

Flagged as overassessed

21.1%

$184,418

Avg overage / home

$382,390

Typical value

~$156/sqft

Your Santa Rosa County deadline

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

Santa Rosa filing guide →

Top 25 most overassessed homes in 32563

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 WINDING SHORE DR	7,957	2002	$3,598,298	$1,241,292	$2,357,006	189.9%	$20,270
2XXX BAYSHORE RD W	12,501	1997	$4,101,756	$1,950,156	$2,151,600	110.3%	$18,504
2XXX BAYSHORE RD E	10,173	2009	$3,685,769	$1,586,988	$2,098,781	132.2%	$18,050
3XXX LAGUNA CT	7,202	2007	$3,132,772	$1,123,512	$2,009,260	178.8%	$17,280
1XXX WINDING SHORE DR	8,709	2016	$3,332,380	$1,358,604	$1,973,776	145.3%	$16,974
2XXX DEL MAR DR	8,734	2006	$3,318,131	$1,362,504	$1,955,627	143.5%	$16,818
4XXX W MADURA RD	8,581	2022	$3,205,644	$1,338,636	$1,867,008	139.5%	$16,056
5XXX SOUNDSIDE DR	9,063	2010	$3,241,980	$1,413,828	$1,828,152	129.3%	$15,722
3XXX W MADURA RD	8,152	2017	$2,966,597	$1,271,712	$1,694,885	133.3%	$14,576
2XXX RESERVATION RD	9,038	2009	$3,104,087	$1,409,928	$1,694,159	120.2%	$14,570
1XXX BROWN'S CIR	4,234	1955	$2,314,773	$660,504	$1,654,269	250.5%	$14,227
1XXX SEABREEZE LN	5,126	2019	$2,405,480	$799,656	$1,605,824	200.8%	$13,810
4XXX W MADURA RD	6,947	2023	$2,661,444	$1,083,732	$1,577,712	145.6%	$13,568
5XXX SOUNDSIDE DR	7,659	2013	$2,766,801	$1,194,804	$1,571,997	131.6%	$13,519
2XXX BAYSHORE RD W	6,972	2021	$2,541,728	$1,087,632	$1,454,096	133.7%	$12,505
4XXX W MADURA RD	7,043	2017	$2,534,156	$1,098,708	$1,435,448	130.6%	$12,345
4XXX SOULE PL	5,363	1999	$2,262,904	$836,628	$1,426,276	170.5%	$12,266
3XXX W MADURA RD	6,348	2015	$2,401,566	$990,288	$1,411,278	142.5%	$12,137
2XXX RESERVATION RD	6,363	2006	$2,399,667	$992,628	$1,407,039	141.7%	$12,101
2XXX RESERVATION RD	4,762	2021	$2,100,554	$742,872	$1,357,682	182.8%	$11,676
4XXX SMOKEY RD	7,180	2006	$2,446,801	$1,120,080	$1,326,721	118.4%	$11,410
3XXX BAY ST	7,535	2024	$2,496,309	$1,175,460	$1,320,849	112.4%	$11,359
3XXX W MADURA RD	6,131	2006	$2,253,407	$956,436	$1,296,971	135.6%	$11,154
1XXX LAGUNA LN	5,793	2018	$2,159,158	$903,708	$1,255,450	138.9%	$10,797
4XXX W MADURA RD	5,543	2016	$2,097,474	$864,708	$1,232,766	142.6%	$10,602

Data: FL DOR 2025 Final NAL roll, Santa Rosa County, ZIP 32563. 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 Santa RosaCounty's TRIM notice mails this August, you'll have a $49 DR-486 packet ready to file with the VAB.

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