PRIMUS LAB · TAX INTELLIGENCE · FLORIDA

What you'll really pay in property tax once the home is yours.

The tax shown on the listing is the seller's — with their exemptions and caps. Yours is recalculated on the January 1 after you buy. Estimate it in 18 Florida counties and, if you invest, see how it moves your NOI, Cap Rate, DSCR and Cash-on-Cash.

After a sale the Property Appraiser sets the assessed value at market value. We use the price as a conservative reference (just value often lands a bit below the price).

Homestead: $25,000 exempt on all levies + up to $25,000 more on non-school levies, and a 3% annual cap. Investment: no exemption, 10% cap (non-school).

The "Taxes" line on the listing or the Property Appraiser: what the seller pays TODAY. With it we show you how much your bill changes.

Investor layer

Optional. Turns the tax into NOI, Cap Rate, DSCR and Cash-on-Cash.

Insurance, HOA, maintenance, management, vacancy. Property tax is added separately — it is what we are measuring.

Your estimated tax will appear here

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Pick the county, enter the price and we tell you the annual and monthly tax for your first year as owner — with the link to the county's official estimator.

Estimated annual tax · year 1 as owner

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Monthly
Effective rate

5-year projection

Educational estimate, not a tax determination. Includes ad valorem taxes only at the county's representative millage; excludes non-ad valorem assessments (waste, fire, CDD) and early-payment discounts. The official figure comes from the county Property Appraiser — verify it with their tool.

Your investment with the reassessed tax

Investment base for Cash-on-Cash: 25% of property value (PRIMUS convention), regardless of your actual down payment. Educational estimates, not an offer of credit.

YOUR INVESTOR ANALYSIS IS READY

Unlock NOI, Cap Rate, DSCR and Cash-on-Cash

Tell us where to send your analysis and we unlock it instantly — no commitment, no credit pull.

Why your tax won't be the one on the listing

Three Florida rules that change the number — and that almost nobody explains before the offer.

01January 1 resets everythingWhen ownership changes, the Property Appraiser removes the seller's exemptions and caps and reassesses the property at market value on the following January 1. If the seller held Homestead for 15 years, their bill has nothing to do with yours. 02Homestead and Save Our HomesIf it is your primary residence and you file by March 1, you take up to $50,000 off the base and your assessed value cannot rise more than 3% a year. Over the years that cap is worth more than the exemption itself.Guide: Homestead step by step → 03Investment: no exemption, 10% capAn investment property or second home has no Homestead. Its non-school assessed value can rise up to 10% a year; school levies follow the market. That is why the tax weighs more on NOI than the listing suggests.Guide: Florida property taxes →

These are estimates. Let's review your real numbers and structure the play.

A PRIMUS advisor runs the exact figure for that property — tax, insurance and full payment — before you make the offer. No obligation.

Book your Discovery Call → Call (305) 988-7978

Verify with your county's official estimator

Our number is an estimate. The authoritative one comes from each county Property Appraiser — these are the 18 official links.

BrevardOfficial search ↗ BrowardOfficial estimator ↗ HillsboroughOfficial estimator ↗ Indian RiverOfficial estimator ↗ LakeOfficial estimator ↗ LeeOfficial search ↗ MarionOfficial estimator ↗ MartinOfficial estimator ↗ Miami-DadeOfficial estimator ↗ OrangeOfficial estimator ↗ OsceolaOfficial estimator ↗ Palm BeachOfficial estimator ↗ PinellasOfficial estimator ↗ PolkOfficial estimator ↗ SeminoleOfficial estimator ↗ St. LucieOfficial estimator ↗ SumterOfficial estimator ↗ VolusiaOfficial estimator ↗

By linking to these county tools, PRIMUS does not guarantee, endorse or control their content. Estimates are informational and not a tax determination. Representative county millages (2025); actual rates vary by municipality and special district.

Educational content and estimates — not legal or tax advice, nor an offer of credit. Exemptions, caps and millages reflect current Florida law and may change; confirm your case with your county Property Appraiser. PRIMUS Mortgage NMLS #2831121 · Yude Glez NMLS 2278744 · Coast2Coast Mortgage · Equal Housing Lender.