What is a property tax appeal?

A property tax appeal (also called a protest) is a formal process where you challenge your county appraisal district's assessed value of your home. In Texas, you file a protest with your county's Appraisal Review Board (ARB), present evidence that your home is overvalued, and the ARB issues a ruling.

What's the deadline to file a property tax protest in Texas?

In Texas, the deadline to file a property tax protest is May 15, 2026 (or 30 days after your appraisal notice is mailed, whichever is later). There are no extensions.

How much can I save by appealing my property taxes?

Texas homeowners who appeal save an average of $774 per year. Success rates range from 80-91% when homeowners bring comparable sales evidence.

What percent of homes in ZIP 33042 are overassessed?

28.9% of homes in Cudjoe Key ZIP 33042 (1,314 of 4,541 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 Cudjoe Key ZIP 33042?

File Form DR-486 with the Monroe 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.

Monroe County · Cudjoe Key

ZIP 33042 property tax overassessment report

28.9% of homes in Cudjoe Key ZIP 33042 (1,314 of 4,541 parcels) are assessed more than 10% above what comparable-size homes in the same ZIP typically pay per square foot. Combined annual overpayment: $4,842,536.

Check your address →Monroe County guide

4,541

Homes in ZIP

1,314

Flagged as overassessed

28.9%

$428,528

Avg overage / home

$1,000,473

Typical value

~$701/sqft

Your Monroe County deadline

TRIM mailing: Aug 21, 2026 · VAB petition due: Sept 15, 2026

Monroe filing guide →

Top 25 most overassessed homes in 33042

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 OCEAN Dr	3,511	2005	$4,978,009	$2,461,211	$2,516,798	102.3%	$21,644
1XXX HUDGINS Dr	1,075	1968	$3,267,895	$753,575	$2,514,320	333.7%	$21,623
1XXXX OLD STATE Rd 4A	2,374	2014	$4,067,835	$1,664,174	$2,403,661	144.4%	$20,671
4XXX EGRET Ln	1,690	1987	$3,510,674	$1,184,690	$2,325,984	196.3%	$20,003
5XXX DORN Rd	1,854	1996	$3,591,335	$1,299,654	$2,291,681	176.3%	$19,708
1XXXX OLD STATE Rd 4A	2,316	1973	$3,801,796	$1,623,516	$2,178,280	134.2%	$18,733
9XX FLAGSHIP Dr	3,071	1990	$4,328,537	$2,152,771	$2,175,766	101.1%	$18,712
1XXX HUDGINS Dr	1,522	1976	$3,224,909	$1,066,922	$2,157,987	202.3%	$18,559
1XXX ROGERS Ln	2,858	2022	$3,999,152	$2,003,458	$1,995,694	99.6%	$17,163
1XXX FLAGSHIP Dr	1,392	1987	$2,947,140	$975,792	$1,971,348	202%	$16,954
1XXX OCEAN Dr	3,421	2005	$4,359,133	$2,398,121	$1,961,012	81.8%	$16,865
5XXX DORN Rd	1,226	1995	$2,810,167	$859,426	$1,950,741	227%	$16,776
2XXXX W INDIES Dr	2,403	1963	$3,594,945	$1,684,503	$1,910,442	113.4%	$16,430
1XXXX DOLPHIN St W	3,852	2002	$4,598,933	$2,700,252	$1,898,681	70.3%	$16,329
5XX SAWYER Dr	2,583	1998	$3,690,318	$1,810,683	$1,879,635	103.8%	$16,165
4XX CORAL Ave	1,728	2002	$3,050,182	$1,211,328	$1,838,854	151.8%	$15,814
1XXX OCEAN Dr	3,030	1965	$3,956,125	$2,124,030	$1,832,095	86.3%	$15,756
4XX LESROHDE Dr	1,192	1989	$2,636,708	$835,592	$1,801,116	215.5%	$15,490
2XXXX REDFISH Ln	4,578	2007	$4,993,617	$3,209,178	$1,784,439	55.6%	$15,346
2XXXX JOLLY ROGER Dr	1,728	1976	$2,966,343	$1,211,328	$1,755,015	144.9%	$15,093
2XX COLSON Dr	1,800	1980	$3,003,652	$1,261,800	$1,741,852	138%	$14,980
4XXX FILER COVE Rd	1,776	1994	$2,977,927	$1,244,976	$1,732,951	139.2%	$14,903
5XX SEMINOLE Dr	2,252	1993	$3,308,456	$1,578,652	$1,729,804	109.6%	$14,876
3XXX OSPREY Ln	3,023	2015	$3,837,595	$2,119,123	$1,718,472	81.1%	$14,779
1XXXX LA BRISA Ln	2,114	1949	$3,190,259	$1,481,914	$1,708,345	115.3%	$14,692

Data: FL DOR 2025 Final NAL roll, Monroe County, ZIP 33042. 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 MonroeCounty's TRIM notice mails this August, you'll have a $49 DR-486 packet ready to file with the VAB.

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