--- title: "Florida Homeowner Calendar | Peter White & Kate Ward" url: https://www.petekaterealestate.com/homeowner-calendar description: "Every important date for Florida homeowners in one place: property tax discounts and due dates, homestead deadline, TRIM notices, hurricane season and more for Indian River, St. Lucie and Martin counties." lang: en --- Skip to main content Image: Bright Treasure Coast coastal homes and palms beside turquoise Atlantic water (https://www.petekaterealestate.com/assets/guides-tPfL56om.webp) Homeownership on the Treasure Coast # The Treasure Coast Homeowner Calendar Property taxes, homestead, hurricane season and home care. Every date that matters, month by month. ## Don't Miss These - Nov 30 Taxes Last day for the 4% property tax discount - March 1 Homestead & Exemptions Homestead exemption deadline - March 31 Taxes Property taxes due in full - June 1 Hurricane & Insurance Hurricane season starts - Mid-August Taxes TRIM notice arrives (you have 25 days to appeal) ## Your Year, Month by Month Taxes Homestead & Exemptions Hurricane & Insurance Home Care ### January - **Jan 1**Homestead & Exemptions You must own and live in your home as your permanent residence on January 1 to qualify for homestead for that tax year. - **All month**Taxes Pay your property tax bill and get a 2% discount. - **Late January**Taxes Your lender mails Form 1098 (mortgage interest paid) for your federal return. - **Anytime**Home Care Test smoke and CO detectors. Replace your A/C filter. ### February - **All month**Taxes Last chance for a discount: 1% if paid in February. - **Before March 1**Homestead & Exemptions Gather what you need to file homestead: Florida driver license, Florida vehicle registration and voter registration (if registered) at your new address. ### March - **March 1**Homestead & Exemptions 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. - **2nd Sunday**Home Care 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. - **March 31**Taxes Property taxes due in full. No discount. Also the deadline to apply for a tax deferral. ### April - **April 1**Taxes Unpaid property taxes become delinquent and interest starts. - **April 15**Taxes Federal income tax day. - **April 30**Taxes Deadline to sign up for next year's quarterly installment plan with your Tax Collector. - **Anytime**Home Care Inspect your roof and gutters and trim trees before storm season. ### May - **All month**Hurricane & Insurance Review your homeowners policy and hurricane deductible before the season starts. - **All month**Hurricane & Insurance Thinking about flood insurance? Most flood policies have a 30-day waiting period, so don't wait for a storm. - **All month**Hurricane & Insurance A wind mitigation inspection can lower your premium. Ask your agent if yours is current. - **Anytime**Home Care Get your A/C serviced before summer. ### June - **June 1**Hurricane & Insurance Hurricane season starts (runs through Nov 30). - **Year-round**Hurricane & Insurance Many hurricane supplies, like batteries and portable generators, are now permanently sales tax free in Florida. No need to wait for a tax holiday. - **June 30**Taxes First quarterly installment payment due (installment plan only). ### July - **July 20 to Aug 20**Home Care Back-to-school sales tax holiday (2026 dates; the state sets them each year). - **Anytime**Home Care Summer heat and humidity: check the A/C drain line and keep humidity in check, especially if the home sits empty while you travel. ### August - **Mid-August**Taxes Your TRIM notice (Notice of Proposed Property Taxes) arrives. This is not a bill. Check your value and make sure your exemptions are listed. - **Aug to Oct**Hurricane & Insurance Peak hurricane months. Keep your supplies stocked and your plan ready. ### September - **About 25 days after TRIM**Taxes Deadline to appeal your value with the Value Adjustment Board. The exact date is printed on your TRIM notice. - **Sept 30**Taxes Second quarterly installment payment due. ### October - **All month**Hurricane & Insurance Still peak season. Re-check shutters and your generator. - **All month**Home Care Seasonal residents returning? Do a full walk-through: A/C, water heater, leaks and pests. ### November This Month - **Nov 1**Taxes Property tax bills go out. Pay in November and save 4%, the biggest discount of the year. - **1st Sunday**Home Care Daylight saving time ends. In Indian River County, watering drops to 1 day a week, so reset your sprinkler timer. Change detector batteries. - **Nov 30**Taxes Last day for the 4% discount. - **Nov 30**Hurricane & Insurance Hurricane season ends. ### December - **All month**Taxes Pay in December and get a 3% discount. - **Dec 31**Taxes Third quarterly installment payment due. - **Dec 31**Homestead & Exemptions Bought this year? Move in and make it your permanent residence by Jan 1 to qualify for homestead next year. - **Anytime**Home Care Save receipts for major improvements (roof, A/C, remodels). They can lower your taxable gain when you sell. ## Property Tax Discounts 1. Nov 4% 2. Dec 3% 3. Jan 2% 4. Feb 1% 5. 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. ## Homeowner Calendar FAQs When are property taxes due in Florida? 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. When is the homestead exemption deadline in Florida? March 1. You must own and live in the home as your permanent residence on January 1 of that year. What is a TRIM notice? 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. When is hurricane season? June 1 through November 30. The busiest months are August, September and October. What happens if I miss the March 31 deadline? Your taxes become delinquent April 1 and interest is added. ## Local Offices ### Indian River County - Tax Collector Website link not yet provided - Property Appraiser Website link not yet provided ### St. Lucie County ### Martin County 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. ## Questions About Your Home? Whether it's your tax bill, your homestead or what your home is worth today, we're happy to help. What's My Home Worth?: https://www.petekaterealestate.com/home-value Contact Us: https://www.petekaterealestate.com/contact Peter White 772-284-1419 (+17722841419)Kate Ward 772-342-4006 (+17723424006)The McKinney Team | REMAX Gold ## Structured data ```json [ { "@context": "https://schema.org", "@graph": [ { "@type": "RealEstateAgent", "@id": "https://www.petekaterealestate.com/#real-estate-agent", "name": "Peter White & Kate Ward, The McKinney Team | REMAX Gold", "url": "https://www.petekaterealestate.com", "telephone": "772-284-1419", "address": { "@type": "PostalAddress", "streetAddress": "140 NW California Blvd", "addressLocality": "Port St. Lucie", "addressRegion": "FL", "postalCode": "34986", "addressCountry": "US" }, "areaServed": [ { "@type": "City", "name": "Vero Beach" }, { "@type": "City", "name": "Sebastian" }, { "@type": "City", "name": "Fort Pierce" }, { "@type": "City", "name": "Port St. Lucie" }, { "@type": "City", "name": "Stuart" }, { "@type": "City", "name": "Jensen Beach" }, { "@type": "City", "name": "Palm City" }, { "@type": "City", "name": "Hobe Sound" }, { "@type": "City", "name": "Indiantown" } ], "employee": [ { "@id": "https://www.petekaterealestate.com/#peter-white" }, { "@id": "https://www.petekaterealestate.com/#kate-ward" } ] }, { "@type": "Person", "@id": "https://www.petekaterealestate.com/#peter-white", "name": "Peter White", "jobTitle": "Realtor", "telephone": "772-284-1419", "worksFor": { "@type": "Organization", "name": "REMAX Gold" } }, { "@type": "Person", "@id": "https://www.petekaterealestate.com/#kate-ward", "name": "Kate Ward", "jobTitle": "Broker Associate", "telephone": "772-342-4006", "worksFor": { "@type": "Organization", "name": "REMAX Gold" } } ] }, { "@context": "https://schema.org", "@type": "WebSite", "name": "Peter White & Kate Ward, The McKinney Team | REMAX Gold", "url": "https://www.petekaterealestate.com" }, { "@context": "https://schema.org", "@type": "BreadcrumbList", "itemListElement": [ { "@type": "ListItem", "position": 1, "name": "Home", "item": "https://www.petekaterealestate.com/" }, { "@type": "ListItem", "position": 2, "name": "Homeowner Calendar", "item": "https://www.petekaterealestate.com/homeowner-calendar" } ] }, { "@context": "https://schema.org", "@type": "FAQPage", "mainEntity": [ { "@type": "Question", "name": "When are property taxes due in Florida?", "acceptedAnswer": { "@type": "Answer", "text": "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." } }, { "@type": "Question", "name": "When is the homestead exemption deadline in Florida?", "acceptedAnswer": { "@type": "Answer", "text": "March 1. You must own and live in the home as your permanent residence on January 1 of that year." } }, { "@type": "Question", "name": "What is a TRIM notice?", "acceptedAnswer": { "@type": "Answer", "text": "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." } }, { "@type": "Question", "name": "When is hurricane season?", "acceptedAnswer": { "@type": "Answer", "text": "June 1 through November 30. 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