As November rolls in, so do property tax bills across Florida — and it’s the perfect time to review, plan, and save. Whether you’re a first-time homeowner, seasoned investor, or closing on your dream home, understanding how Florida property taxes work can help you stay ahead and keep your deal Closed & Funded®.
When Are Property Taxes Due in Florida?
Florida property tax bills are typically mailed out around November 1st. Homeowners can take advantage of early-payment discounts:
| Payment Month | Discount |
|---|---|
| November | 4% |
| December | 3% |
| January | 2% |
| February | 1% |
| March 31 | Final deadline (no discount) |
💡 Zagury Scott Tip:
Pay in November if possible — you’ll lock in the biggest discount and check one more item off your year-end to-do list before the holiday rush.
How Florida Property Taxes Are Calculated
Florida property taxes are ad valorem, meaning they’re based on your property’s assessed value plus local millage rates set by your:
- County
- City
- School district
Most Florida homeowners qualify for valuable savings, including:
✅ Homestead Exemption
Up to $50,000 off your taxable value.
✅ Save Our Homes Cap
Limits annual increases of your assessed value to 3%.
✅ Additional Exemptions
Available for:
- Seniors
- Veterans
- First responders
- Individuals with disabilities
If Your Tax Bill Looks Too High
Don’t panic — you have options:
- Review your TRIM Notice (mailed each August).
- File a petition with your county’s Value Adjustment Board (VAB) within 25 days.
- Consult a real estate attorney (like us!) to review your exemptions and verify whether your assessment is accurate.
The Bottom Line
Understanding your Florida property taxes isn’t just about paying on time — it’s about protecting your investment. Whether you’re buying, selling, or holding, property taxes affect your closing statement, escrow, and overall cash flow.
At Zagury Scott P.A., we help clients navigate property tax season with clarity and confidence — ensuring every transaction ends exactly as it should:
