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Florida's Complete Property Tax & Benefits Resource Library

Free, expert-written guides to help Florida homeowners save on property taxes, access benefits programs, plan finances, and navigate life transitions.

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Featured Guides

Senior couple reviewing Florida property tax documents
Property Tax Updated Mar 2026

Senior Property Tax Breaks in Florida

Complete guide to Florida property tax exemptions for seniors including the additional homestead exemption, extra $50,000 for 65+ low-income seniors, and other benefits.

 Florida home with homestead exemption
Exemptions Updated Mar 2026

What Is Homestead Exemption in Florida?

Everything you need to know about Florida's $50,000 homestead exemption: how to apply, deadlines, and Save Our Homes protection.

 Save Our Homes portability calculator
Calculator Updated Jan 2026

Save Our Homes Portability

Transfer your Save Our Homes benefit to a new home in Florida. Understand portability rules, calculations, and how to maximize your tax savings when moving.

Property Tax Strategies

Divorce and Selling Your Florida Home

Divorce and Selling Your Florida Home: Tax & Save Our Homes Guide

How Florida divorces preserve (or lose) Save Our Homes, the homestead exemption, and the federal capital gains exclusion — with the exact statutes and forms.

 Florida's $250,000 Homestead Exemption

Florida's $250,000 Homestead Exemption: What It Means for Your Tax Bill

The savings math by county, who would pay zero, the school-tax catch, and what to do before the November vote.

 Florida Property Tax After Buying a Home

Bought a Florida Home and Your Tax Bill Doubled? Here's Why

Save Our Homes resets to market value on sale -- why your bill jumps after buying, and how to estimate your real number first.

 Florida Property Tax Elimination DeSantis Plan

Florida Property Tax Elimination: DeSantis Plan

Lawmakers are voting on a $250,000 homestead exemption this week. What HJR 1F means for your tax bill and the November ballot.

 How to Appeal Property Taxes in Florida

How to Appeal Property Taxes in Florida

Step-by-step guide to appealing your Florida property tax assessment including TRIM notice analysis, evidence gathering, and VAB hearings.

Benefits & Programs

Florida Reverse Mortgages: A Neutral Primer

Florida Reverse Mortgages: A Neutral Primer on How HECMs Actually Work

The 2026 HECM Maximum Claim Amount, the three ongoing requirements that trigger default, and Florida-specific risks. We do not recommend either way.

 Veteran and First Responder Tax Breaks

Veteran & First Responder Tax Breaks

Florida property tax exemptions for veterans, disabled veterans, first responders, and surviving spouses.

 Disabled Veteran Property Tax Refund Florida

Disabled Florida Veterans: You May Be Owed a Property Tax Refund

Florida can backdate a disabled veteran's exemption and refund excess taxes -- up to 4 years. How the refund works and how to claim it.

 My Safe Florida Home Program

My Safe Florida Home Program

Free hurricane inspections and up to $10,000 in grants to fortify your home. Eligibility requirements and how to apply.

 Florida Impact Window and Door Sales Tax Refund

Florida Impact Window & Door Sales Tax Refund

Get up to $500 back on impact-resistant windows, doors, and garage doors. Who qualifies, the deadlines, and how to claim it.

 Florida Citizens Flood Insurance Requirement

Florida's Flood Insurance Requirement (Even in Zone X)

Citizens now requires flood coverage on $400,000+ homes in 2026 — regardless of flood zone. Who's affected, how much you need, and what happens if you don't.

 Selling or Keeping the House in a Florida Divorce

Selling or Keeping the House in a Florida Divorce

The homestead exemption, Save Our Homes cap, the $250K/$500K capital gains trap, and the buyout basis rule — the tax side of dividing the marital home.

 Co-Buying a House in Florida

Co-Buying a House in Florida

Buying with a friend, partner, or family? How to hold title (TIC vs JTWROS), protect your homestead, and plan your exit before you sign.

 Florida Roofing Scams

Florida Roofing Scams: How to Protect Your Home (and Keep It)

Storm-chaser roofers are leaving homeowners with liens and foreclosure -- even after they paid. The red flags, the law, and how to report fraud.

 MV Realty 40-Year Lien Scam

How a Real Estate Company Put 40-Year Liens on 9,303 Florida Homes

MV Realty's "free check" became a 40-year claim on thousands of homes. What it was, what the state did, and how to check and clear your title.

 Florida Citizens Insurance Take-Out Letters

Florida Citizens Insurance Take-Out Letters: What That 30-Day Notice Actually Means

The 20% rule that forces 96.5% of homeowners off Citizens, what the Policyholder Notice has to contain, and what to do before the Offer Form deadline.

 My Safe Florida Home 2026 Update

My Safe Florida Home: $405M Clears the Grant Backlog (June 2026 Update)

The Memorial Day budget reappropriated $405M+ for MSFH and the Condo Pilot, plus a 3-year sales tax exemption on impact windows. Brief update.

 Hometown Heroes Florida

Hometown Heroes Florida

Down payment and closing cost assistance for Florida community workers: teachers, nurses, law enforcement, and more.

Financial Planning & Calculators

Florida Capital Gains Tax Calculator

Florida Capital Gains Tax Calculator

Calculate your capital gains tax on a Florida home sale. Federal tax rates, exclusions, and strategies to minimize what you owe.

 Seller Closing Costs Calculator

Seller Closing Costs Calculator

Estimate your Florida home selling costs including agent commission, title insurance, doc stamps, and prorated taxes.

 Buyer Closing Costs Calculator

Buyer Closing Costs Calculator

Estimate your total closing costs as a Florida homebuyer including lender fees, title insurance, and prepaid items.

Life Transition Guides

Living in a Miami Condo? How Good Is Your Building, Really?

Living in a Miami Condo? How Good Is Your Building, Really?

The six checks buyers and lenders now run on your building — inspections, the SIRS, reserves, assessments, insurance and lending — and where to look each one up.

 Retirees Leaving Florida: The Halfback Trend Explained

Retirees Leaving Florida: The 'Halfback' Trend, the Data, and What Staying vs Leaving Actually Costs

Florida's net retiree migration collapsed to +815 in 2025. The data, the destinations, and the financial math — both directions.

 Aging in Place in Florida: A Practical Longevity Guide

Aging in Place in Florida: A Practical Longevity Guide for Homeowners Who Want to Stay Home

75% of Floridians 50+ want to stay in their home. Florida's homestead, SOH cap, senior programs, and new permit waiver make it cheaper than almost anywhere else.

 Florida HB 803 $7,500 Building Permit Waiver

Florida's New $7,500 Building Permit Waiver (HB 803): What Homeowners Need to Know

Effective July 1, 2026. Single-family projects under $7,500 skip the permit — with 5 excluded trades, a flood-hazard carve-out, and an HOA-cannot-demand-permit-first rule.

 Moving to Florida and the Save Our Homes Amendment

Moving to Florida and the Save Our Homes Amendment: What New Residents Need to Know

The December 31, 2026 residency cutoff, the $50K vs $250K homestead split, and the legal test that decides which bucket you fall into.

 Florida Condo Special Assessments and SIRS

Florida Condo Special Assessments: When to Sell Before the SIRS Assessment Hits

SIRS, milestone inspections, HB 913, and three named buildings with the real per-unit numbers — plus how to protect your Save Our Homes benefit if you sell.

 Lady Bird Deed Guide

Lady Bird Deed Guide

Florida enhanced life estate deed. Transfer property to heirs while keeping control and avoiding probate.

 Quitclaim Deed Guide

Quitclaim Deed Guide

How to transfer property ownership in Florida with a quitclaim deed. When to use it, risks, and step-by-step filing process.

 Should I Downsize My Home

Should I Downsize?

Thinking about downsizing in Florida? Financial analysis, tax implications, and lifestyle considerations to help you decide.

 Write a Will in Florida

Write a Will in Florida

How to write a valid will in Florida. Requirements, witnesses, self-proving affidavit, and what happens if you die without one.

 Add Spouse to Deed in Florida

Add Spouse to Deed

How to add your spouse to your Florida property deed. Methods, costs, homestead implications, and tax considerations.

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