The tax bill on the listing is not the one you will pay.

Because this tool is how our report business meets buyers. The check costs you nothing, the arithmetic is the same either way, and the range you see before the email is the real computation rounded out — never a different number. After you enter an address you get the exact figures on the page, a copy by email, and a plain-text summary you can forward.

We take no lender money, we run no rate or refinance products, and we do not sell or rent your email address.

No. It is certified published millage and arithmetic. We reproduce third-party published figures and do the math on them. We do not issue an opinion of value, and nothing here is legal, tax, or lending advice.

You are not, and that is the point. Save Our Homes caps a homestead assessment's growth at the lesser of 3% or the change in the Consumer Price Index while one person owns the home — 2.9% applied for 2025 and 2.7% for 2026 (s. 193.155(1), Fla. Stat.). Over a long ownership the assessment falls a long way below what the house is worth.

A sale ends it. Homestead property is assessed at just value as of January 1 of the year following a change of ownership. A change of ownership means any sale, foreclosure, or transfer of legal or beneficial title in equity. (s. 193.155(3)(a), Fla. Stat.) The bill is then rebuilt from just value, which is why the figure on the listing tells you almost nothing about what you will pay.

It is the homestead exemption application deadline, and it is the one date on this page with a price attached. An exemption application must be filed with the county property appraiser on or before March 1. Failure to apply by March 1 constitutes a waiver of the exemption privilege for that year. (s. 196.011(1)(a), Fla. Stat.) There is no late fee, because there is no late filing in the ordinary sense — the exemption is gone for the year. An application filed without a required social security number is incomplete, and the cure deadline is April 1 (s. 196.011(1)(b), Fla. Stat.).

There is one narrow door afterwards, and it is mostly discretionary. Where the failure to file by March 1 was clearly the result of postal error, the value adjustment board shall grant the exemption. Otherwise you must file with the property appraiser on or before the 25th day after it mails the TRIM notices, in August, and the appraiser may grant it on evidence that you were unable to apply in time or of extenuating circumstances; if it does not, you may petition the value adjustment board in the same window on a nonrefundable $15 fee (s. 196.011(8)-(9), Fla. Stat.). Read the verbs. That is an appeal with a three-week window in late summer, not a second deadline.

For a sale closing this year the date is March 1, 2027. As an illustration of the size of it: on a home in the City of Tampa resetting to $450,000 of just value, the exemption is worth $853 a year — $8,077 with it against $8,929 without.

No, and this is the most common and most expensive misreading in Florida. What you are seeing is the seller's exemption for the current tax year. You inherit it for that year only, and it does not carry forward to you. You have to file your own application by March 1, 2027 to hold the exemption for 2027. Florida county property appraisers publish this warning themselves.

Yes, and more than most investor buyers are told. Non-homestead residential property has its own annual assessment cap, which for 2026 is 10%, and it applies only to the non-school levies — the school portion is assessed at just value every single year with no cap at all (s. 193.1554(2)-(3), Fla. Stat.).

That cap also ends on a change of ownership or control, and the statute reaches past the deed: it is triggered by the cumulative transfer of control or of more than 50 percent of the ownership of the legal entity that owned the property (s. 193.1554(5), Fla. Stat.). Buying the LLC rather than the property does not avoid the reset. The tool computes the investor case separately for that reason.

If you held a Florida homestead exemption as of January 1 in any of the three immediately preceding years, you may transfer up to $500,000 of accumulated Save Our Homes benefit (s. 193.155(8), Fla. Stat.). It is claimed as an attachment to the homestead application, so it rides the same March 1 deadline, and refunds of tax may not be made for previous years. Portability depends on your own history, so this tool shows the reset as the statutory default and does not assume it. If it applies to you, your real bill will be lower than what you see here.

Then we say so rather than apply a rate that is close enough. The tables behind this tool cover Hillsborough, Pinellas and Pasco counties — Tampa metro, 36 places and 63 tax districts. No other Florida county is served. Unincorporated communities like Brandon, Wesley Chapel and Palm Harbor do work: they levy no millage of their own and are taxed at their county's unincorporated rate, and the result names the district it used.

The one for the tax district the parcel sits in, which the property appraiser's record names. Florida sets millage per taxing authority rather than per city, so a few places carry more than one — in Pinellas, parcels inside the Pinellas Park Water Management District pay an extra 1.8670 mills on top of their city rate. The tool asks you to choose rather than guessing, and it never averages two rates, because an average is not a rate anyone pays.

No. Those are non-ad-valorem assessments. They arrive on the same November bill but they are not millage, and nothing on this page includes them. In newer Tampa-metro subdivisions a CDD assessment can be larger than the county levy, so read this as the ad-valorem tax line rather than the whole bill. The full report pulls the parcel's actual bill detail instead of leaving them out.

The millage is exact and certified. The exemption arithmetic is statutory, and we check it against the appraisers' own published figures rather than trusting our reading of the statute: on a live read of the Tampa-metro parcel roll on 2026-10-11, 1,184 of 1,402 capped single-family homesteads had both their published taxable values reproduced to the dollar by the same arithmetic this tool uses.

The moving parts are the just value the appraiser sets for your house after the sale — which is not the purchase price, and can sit below a recent sale — and the seller's own exemptions, where some owners hold a widow's, widower's or disability exemption on top of homestead. That is why this is a screening estimate, and why the full report pulls the appraiser's record for the address instead of assuming either one.