What is a property tax appeal?

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

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 you can protest again every year. 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 $99, one time, for a complete personalized appeal packet you file yourself, or $199-$249 for our done-for-you filing service. You keep 100% of your savings every year. Ownwell keeps a 25-35% contingency on whatever you save and O'Connor keeps about half, meaning a $2,461 reduction costs you roughly $615-$1,230 every year forever. We charge $99 once and keep nothing.

What percent of homes in ZIP 77845 are overassessed?

8.3% of homes in Temple ZIP 77845 (20 of 241 parcels) are assessed more than 10% above the typical per-square-foot value for the neighborhood, based on HCAD public records.

How do I protest my property taxes in Temple ZIP 77845?

File a Notice of Protest with Bell CAD by May 15 each year. Bring 3-5 comparable sales from your immediate area to your ARB hearing. 2026 deadline has passed — next protest window is April-May 2027.

Bell County · Temple

ZIP 77845 property tax overassessment report

8.3% of homes in Temple ZIP 77845 (20 of 241 parcels) are assessed more than 10% above what comparable-size homes in the same ZIP typically pay per square foot. Combined annual overpayment: $14,041.

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241

Homes in ZIP

Flagged as overassessed

8.3%

$32,654

Avg overage / home

$235,070

Typical value

~$129/sqft

Bell County · over-assessed homes overpay year-round

Next: Bell CAD 2027 values mail late March-April. Protest deadline: May 15, 2027.

Bell County guide →

Top 25 most overassessed homes in 77845

Addresses anonymized. Pulled directly from HCAD public records. Each home pays significantly more than what a comparable-size home in this ZIP typically pays.

Address	Sq ft	Year	Market val	Expected	Overage	% over	$/yr
3XXX SOUTHLAKE DR	7,193	2002	$2,151,315	$927,897	$1,223,418	131.8%	$24,346
2X BURNHAM GLN	3,403	2017	$794,550	$438,987	$355,563	81%	$7,076
1XX BRIGHTWOOD PL	1,689	1960	$497,000	$217,881	$279,119	128.1%	$5,554
9XXX CATELL	1,871	2014	$499,660	$241,359	$258,301	107%	$5,140
1XXX E SANDALWOOD LN	2,177	2020	$516,650	$280,833	$235,817	84%	$4,693
5X CLIFFWOOD	1,845	1972	$453,025	$238,005	$215,020	90.3%	$4,279
7XXX CALLAGHAN RD	2,257	1967	$465,000	$291,153	$173,847	59.7%	$3,460
1XXX EMBER DR	1,887	2025	$409,919	$243,423	$166,496	68.4%	$3,313
1XXX EMBER DR	1,918	2025	$409,946	$247,422	$162,524	65.7%	$3,234
1XXX EMBER DR	2,075	2024	$424,205	$267,675	$156,530	58.5%	$3,115
1XX RILLA VISTA DR	2,154	1951	$402,170	$277,866	$124,304	44.7%	$2,474
1XXXX SANTA CATHRENA	2,753	1987	$475,000	$355,137	$119,863	33.8%	$2,385
2XXX AMBER FOREST TRL	1,900	2007	$364,459	$245,100	$119,359	48.7%	$2,375
2XXXX STANDISH RD	2,097	1998	$372,965	$270,513	$102,452	37.9%	$2,039
8XX NANCY OLIVIA CIR	1,665	2025	$306,418	$214,785	$91,633	42.7%	$1,823
0 JAMES PARKER CIR	1,497	2025	$284,561	$193,113	$91,448	47.4%	$1,820
1XXX HINES ST	1,959	2025	$343,351	$252,711	$90,640	35.9%	$1,804
1XXXX PEPPERIDGE CV	1,853	1980	$329,080	$239,037	$90,043	37.7%	$1,792
9XXX WICKHEATHER ST	1,514	1978	$283,000	$195,306	$87,694	44.9%	$1,745
0 NANCY OLIVIA CIR	1,672	2025	$302,444	$215,688	$86,756	40.2%	$1,726
1XXX MERCER ST	1,704	2025	$304,204	$219,816	$84,388	38.4%	$1,679
2XXX MERCER ST	1,704	2025	$304,204	$219,816	$84,388	38.4%	$1,679
0 JAMES PARKER CIR	1,748	2025	$309,823	$225,492	$84,331	37.4%	$1,678
4XXX BELLA CHARCA PKWY	1,945	2025	$331,009	$250,905	$80,104	31.9%	$1,594
1XXX BRANCHWOOD WAY	1,472	2012	$269,240	$189,888	$79,352	41.8%	$1,579

Data: HCAD public records, Bell County, ZIP 77845. Addresses anonymized to protect privacy; full data is public record under Texas Public Information Act. Showing top 25 — there are likely more overassessed homes in this ZIP.

Is yours one of them?

The 2026 protest deadline has passed, but BellCounty will publish fresh 2027 values next April. Lock in $99/yr monitoring now and we'll auto-build your iFile-ready packet the moment your new value drops.

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