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 32580 are overassessed?

25.9% of homes in Valparaiso ZIP 32580 (469 of 1,814 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 Valparaiso ZIP 32580?

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 · Valparaiso

ZIP 32580 property tax overassessment report

25.9% of homes in Valparaiso ZIP 32580 (469 of 1,814 parcels) are assessed more than 10% above what comparable-size homes in the same ZIP typically pay per square foot. Combined annual overpayment: $624,219.

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

1,814

Homes in ZIP

469

Flagged as overassessed

25.9%

$154,763

Avg overage / home

$341,867

Typical value

~$158/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 32580

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 GRANDVIEW AVE	4,870	1974	$2,431,426	$769,460	$1,661,966	216%	$14,293
1XXX BAYSHORE DR	5,143	2011	$2,120,933	$812,594	$1,308,339	161%	$11,252
3XX JASMINE AVE	5,671	1998	$2,186,422	$896,018	$1,290,404	144%	$11,097
1XX KELLY LN	3,494	1982	$1,537,012	$552,052	$984,960	178.4%	$8,471
2XX HIGHLAND ST	7,800	1992	$2,161,839	$1,232,400	$929,439	75.4%	$7,993
1XX SAFE HARBOR CV	4,886	2000	$1,680,299	$771,988	$908,311	117.7%	$7,811
2XX BAYSHORE DR	5,113	1973	$1,660,696	$807,854	$852,842	105.6%	$7,334
3XX JASMINE AVE	5,355	2017	$1,693,820	$846,090	$847,730	100.2%	$7,290
3XX JASMINE AVE	2,954	1993	$1,310,645	$466,732	$843,913	180.8%	$7,258
1XX PORTUGAL CV	4,446	2017	$1,511,647	$702,468	$809,179	115.2%	$6,959
9XX N BAYSHORE DR	5,936	2018	$1,739,749	$937,888	$801,861	85.5%	$6,896
1XXX BAYSHORE DR	2,250	1959	$1,140,925	$355,500	$785,425	220.9%	$6,755
2XX S BAY SHORE DR	3,858	2021	$1,381,720	$609,564	$772,156	126.7%	$6,641
1XX SAFE HARBOR CV	5,399	2000	$1,594,131	$853,042	$741,089	86.9%	$6,373
1XX SAFE HARBOR CV	3,466	2020	$1,241,365	$547,628	$693,737	126.7%	$5,966
3XX JASMINE AVE	4,109	1998	$1,315,574	$649,222	$666,352	102.6%	$5,731
3XX JASMINE AVE	3,356	1997	$1,172,372	$530,248	$642,124	121.1%	$5,522
1XX PORTUGAL CV	3,993	2020	$1,259,776	$630,894	$628,882	99.7%	$5,408
1XX KELLY LN	3,395	1993	$1,156,475	$536,410	$620,065	115.6%	$5,333
1XX PORTUGAL CV	3,948	2020	$1,243,027	$623,784	$619,243	99.3%	$5,325
2XX S BAYSHORE DR	4,094	2002	$1,228,926	$646,852	$582,074	90%	$5,006
1XX SAFE HARBOR CV	3,163	2001	$1,081,367	$499,754	$581,613	116.4%	$5,002
1XX SAFE HARBOR CV	3,913	1995	$1,185,421	$618,254	$567,167	91.7%	$4,878
1XX GRANDVIEW AVE	3,852	1969	$1,153,799	$608,616	$545,183	89.6%	$4,689
1XX KELLY LN	2,932	1955	$988,594	$463,256	$525,338	113.4%	$4,518

Data: FL DOR 2025 Final NAL roll, Okaloosa County, ZIP 32580. 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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