Homeownership on the Treasure Coast
Nov 30
TaxesLast day for the 4% property tax discount
March 1
Homestead & ExemptionsHomestead exemption deadline
March 31
TaxesProperty taxes due in full
June 1
Hurricane & InsuranceHurricane season starts
Mid-August
TaxesTRIM notice arrives (you have 25 days to appeal)
You must own and live in your home as your permanent residence on January 1 to qualify for homestead for that tax year.
Pay your property tax bill and get a 2% discount.
Your lender mails Form 1098 (mortgage interest paid) for your federal return.
Test smoke and CO detectors. Replace your A/C filter.
Last chance for a discount: 1% if paid in February.
Gather what you need to file homestead: Florida driver license, Florida vehicle registration and voter registration (if registered) at your new address.
Deadline to file for homestead, portability (moving your Save Our Homes savings to a new Florida home) and other exemptions like senior, veteran and widow/widower. File with your county Property Appraiser.
Daylight saving time starts. In Indian River County, lawn watering goes to 2 days a week. St. Lucie and Martin follow different rules, so check your county. Good day to change detector batteries.
Property taxes due in full. No discount. Also the deadline to apply for a tax deferral.
Unpaid property taxes become delinquent and interest starts.
Federal income tax day.
Deadline to sign up for next year's quarterly installment plan with your Tax Collector.
Inspect your roof and gutters and trim trees before storm season.
Review your homeowners policy and hurricane deductible before the season starts.
Thinking about flood insurance? Most flood policies have a 30-day waiting period, so don't wait for a storm.
A wind mitigation inspection can lower your premium. Ask your agent if yours is current.
Get your A/C serviced before summer.
Hurricane season starts (runs through Nov 30).
Many hurricane supplies, like batteries and portable generators, are now permanently sales tax free in Florida. No need to wait for a tax holiday.
First quarterly installment payment due (installment plan only).
Back-to-school sales tax holiday (2026 dates; the state sets them each year).
Summer heat and humidity: check the A/C drain line and keep humidity in check, especially if the home sits empty while you travel.
Your TRIM notice (Notice of Proposed Property Taxes) arrives. This is not a bill. Check your value and make sure your exemptions are listed.
Peak hurricane months. Keep your supplies stocked and your plan ready.
Deadline to appeal your value with the Value Adjustment Board. The exact date is printed on your TRIM notice.
Second quarterly installment payment due.
Still peak season. Re-check shutters and your generator.
Seasonal residents returning? Do a full walk-through: A/C, water heater, leaks and pests.
Property tax bills go out. Pay in November and save 4%, the biggest discount of the year.
Daylight saving time ends. In Indian River County, watering drops to 1 day a week, so reset your sprinkler timer. Change detector batteries.
Last day for the 4% discount.
Hurricane season ends.
Pay in December and get a 3% discount.
Third quarterly installment payment due.
Bought this year? Move in and make it your permanent residence by Jan 1 to qualify for homestead next year.
Save receipts for major improvements (roof, A/C, remodels). They can lower your taxable gain when you sell.
Nov
4%
Dec
3%
Jan
2%
Feb
1%
March
0%
On a $5,000 tax bill, paying in November saves $200. Paying in February saves $50.
Have an escrow account? Your lender usually pays in November for you.
March 31. Bills go out around November 1, and you get 4% off in November, 3% in December, 2% in January and 1% in February.
March 1. You must own and live in the home as your permanent residence on January 1 of that year.
A notice mailed in August showing your proposed taxes, your value and your exemptions. It is not a bill. If your value looks wrong, you have 25 days from the mailing date to appeal.
June 1 through November 30. The busiest months are August, September and October.
Your taxes become delinquent April 1 and interest is added.
Tax Collector
Website link not yet provided
Property Appraiser
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Tax Collector
Website link not yet provided
Property Appraiser
Website link not yet provided
Tax Collector
Website link not yet provided
Property Appraiser
Website link not yet provided
Dates are general guidelines for Florida homeowners. When a deadline falls on a weekend or holiday it may move to the next business day. Always confirm with your county Tax Collector or Property Appraiser.
Whether it's your tax bill, your homestead or what your home is worth today, we're happy to help.
Peter White 772-284-1419Kate Ward 772-342-4006The McKinney Team | REMAX Gold
