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 32565 are overassessed?

41.2% of homes in Jay ZIP 32565 (541 of 1,314 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 Jay ZIP 32565?

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 · Jay

ZIP 32565 property tax overassessment report

41.2% of homes in Jay ZIP 32565 (541 of 1,314 parcels) are assessed more than 10% above what comparable-size homes in the same ZIP typically pay per square foot. Combined annual overpayment: $273,730.

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

1,314

Homes in ZIP

541

Flagged as overassessed

41.2%

$58,834

Avg overage / home

$209,520

Typical value

~$96/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 32565

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
2XXX YORKTOWN CT	4,356	2023	$679,591	$418,176	$261,415	62.5%	$2,248
2XXX BUD DIAMOND RD	3,127	2021	$556,380	$300,192	$256,188	85.3%	$2,203
2XXX PINE LEVEL CHURCH RD	4,089	2016	$638,092	$392,544	$245,548	62.6%	$2,112
1XXX NARROW RD	3,724	2000	$563,315	$357,504	$205,811	57.6%	$1,770
1XXXX OLD PINE LOOP RD	3,976	2023	$583,139	$381,696	$201,443	52.8%	$1,732
2XXX BUD DIAMOND RD	1,823	2021	$375,372	$175,008	$200,364	114.5%	$1,723
3XXX HWY 182	2,557	2023	$443,158	$245,472	$197,686	80.5%	$1,700
9XXX CHUMUCKLA HWY	3,726	2018	$549,663	$357,696	$191,967	53.7%	$1,651
6XX ARD FIELD RD	3,677	2019	$539,971	$352,992	$186,979	53%	$1,608
6XXX SLASH PINE RD	3,847	1999	$545,443	$369,312	$176,131	47.7%	$1,515
2XXX HWY 182	1,302	2022	$299,992	$124,992	$175,000	140%	$1,505
2XXX BUD DIAMOND RD	3,126	2018	$471,769	$300,096	$171,673	57.2%	$1,476
1XXX SID HAYES RD	3,483	1994	$503,170	$334,368	$168,802	50.5%	$1,452
2XXX BUD DIAMOND RD	7,498	2019	$880,988	$719,808	$161,180	22.4%	$1,386
5XXX GREENWOOD RD	2,453	2019	$395,408	$235,488	$159,920	67.9%	$1,375
1XXXX OLD PINE LOOP RD	2,735	2022	$420,278	$262,560	$157,718	60.1%	$1,356
2XXX MOORE CREEK TRL	3,135	2024	$456,145	$300,960	$155,185	51.6%	$1,335
9XXX PINE PRESERVE LN	2,309	2024	$373,108	$221,664	$151,444	68.3%	$1,302
2XXX NEW YORK ST	2,661	2020	$406,889	$255,456	$151,433	59.3%	$1,302
4XXX AZEL SCOTT LN	2,349	1991	$375,023	$225,504	$149,519	66.3%	$1,286
7XX GRISWOLD RD	2,651	2024	$403,707	$254,496	$149,211	58.6%	$1,283
2XXX MOORE CREEK TR	3,824	2021	$514,257	$367,104	$147,153	40.1%	$1,266
1XXX ANNIE PENTON RD	3,329	2019	$465,157	$319,584	$145,573	45.6%	$1,252
4XXX GREENWOOD RD	1,943	2024	$332,024	$186,528	$145,496	78%	$1,251
2XXX BUD DIAMOND RD	2,985	1997	$427,343	$286,560	$140,783	49.1%	$1,211

Data: FL DOR 2025 Final NAL roll, Santa Rosa County, ZIP 32565. 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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