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 32569 are overassessed?

16.4% of homes in Mary Esther ZIP 32569 (815 of 4,955 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 Mary Esther ZIP 32569?

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 · Mary Esther

ZIP 32569 property tax overassessment report

16.4% of homes in Mary Esther ZIP 32569 (815 of 4,955 parcels) are assessed more than 10% above what comparable-size homes in the same ZIP typically pay per square foot. Combined annual overpayment: $1,316,217.

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

4,955

Homes in ZIP

815

Flagged as overassessed

16.4%

$187,790

Avg overage / home

$307,294

Typical value

~$151/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 32569

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 E MIRACLE STRIP PKWY	4,345	1960	$4,248,994	$656,095	$3,592,899	547.6%	$30,899
7XX W MIRACLE STRIP PKWY	6,759	2008	$3,530,106	$1,020,609	$2,509,497	245.9%	$21,582
3XX MIRACLE STRIP PKWY	10,067	1947	$3,402,303	$1,520,117	$1,882,186	123.8%	$16,187
3XX MIRACLE STRIP PKWY	9,372	2015	$3,141,098	$1,415,172	$1,725,926	122%	$14,843
2XX MIRACLE STRIP PKWY	7,333	1977	$2,496,322	$1,107,283	$1,389,039	125.4%	$11,946
4XX MIRACLE STRIP PKWY	10,533	2012	$2,802,839	$1,590,483	$1,212,356	76.2%	$10,426
1XX WYNNEHAVEN BEACH RD	5,489	1973	$2,031,027	$828,839	$1,202,188	145%	$10,339
1XX MIRACLE STRIP PKWY	9,243	2014	$2,582,808	$1,395,693	$1,187,115	85.1%	$10,209
2XX MIRACLE STRIP PKWY	7,121	1981	$2,176,347	$1,075,271	$1,101,076	102.4%	$9,469
3XX SUNNY DR	5,348	2023	$1,883,734	$807,548	$1,076,186	133.3%	$9,255
7XX W MIRACLE STRIP PKWY	6,565	1979	$1,972,862	$991,315	$981,547	99%	$8,441
1XXX W HWY 98	4,773	1940	$1,701,978	$720,723	$981,255	136.1%	$8,439
3XX SUNNY DR	6,009	2001	$1,868,419	$907,359	$961,060	105.9%	$8,265
7XX MIRACLE STRIP PKWY	5,492	1995	$1,762,255	$829,292	$932,963	112.5%	$8,023
3XX SUNNY DR	3,440	1992	$1,409,681	$519,440	$890,241	171.4%	$7,656
2XXX W HWY 98	5,974	2015	$1,791,920	$902,074	$889,846	98.6%	$7,653
1XX SHORELINE DR	3,975	2004	$1,470,407	$600,225	$870,182	145%	$7,484
3XX SUNNY DR	3,810	2020	$1,444,101	$575,310	$868,791	151%	$7,472
1X SLEEPY HOLLOW RD	8,112	1992	$2,086,353	$1,224,912	$861,441	70.3%	$7,408
2XX WYNNEHAVEN BEACH RD	4,575	2003	$1,513,431	$690,825	$822,606	119.1%	$7,074
1XX WYNNEHAVEN BEACH RD	4,134	1987	$1,432,829	$624,234	$808,595	129.5%	$6,954
4XX EMERALD POINTE DR	3,138	2017	$1,281,429	$473,838	$807,591	170.4%	$6,945
1X PLANTATION OAKS DR	8,083	2006	$1,992,724	$1,220,533	$772,191	63.3%	$6,641
1X SHADY LN	5,388	1986	$1,585,001	$813,588	$771,413	94.8%	$6,634
5XX MIRACLE STRIP PKWY	3,310	1955	$1,269,767	$499,810	$769,957	154%	$6,622

Data: FL DOR 2025 Final NAL roll, Okaloosa County, ZIP 32569. 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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