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Tax Assessment vs. Appraisal Value and Property Tax Appeal

property tax loan

Counties, municipalities, and cities impose property taxes on homeowners. The funds from these taxes get used by the local government for various purposes, such as schools and public safety. For homeowners, it’s essential to know the value of your home and how it gets calculated. Most homes have an assessed value and appraised value. Tax assessed values are used only by the property tax authority of your county or municipality to calculate the property tax bill. Tax jurisdictions determine the tax rates and the methods used to assess the properties.

Tax Assessment vs. Appraisal Value

A real estate appraiser, mortgage lender, or tax assessor will determine the fair market valuation of the house at that specific time. Appraisers visit homes to evaluate the condition of the property and any alterations that were made to the home. All improvements are taken into account, as well as the area’s external market value in comparable sales. This information is used to determine the fair buyer market value for the house. Real estate assessments are carried out annually to determine how much property tax is due by the homeowner.

Property Tax Appeal

After home appraisers have determined the market value of your home, the assessed value of your home will determine the asking price and fees for tax purposes.

If the owner or seller feels that the value of a property has been assessed incorrectly, you can contest or appeal the tax assessment. You have two months from the assessment to appeal.

Speak to Our Team for Professional Property Tax Solutions in Texas

American Finance and Investment Company, Inc. (AFIC) has been assisting homeowners and business property owners in Texas for over 70 years. We have the highest Better Business Bureau rating and have some of the most durable financial backings in the industry, ensuring our business is viable and will remain so for many years to come. We operate widely across Texas and offer residential property tax loans in all counties.

To get help to pay your property taxes and avoid property tax foreclosure, contact us today for clarification on property tax assessment vs. appraisal or get a property tax loan estimate by completing the form below.


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YOUR TAX OFFICE MAY OFFER DELINQUENT TAX INSTALLMENT PLANS THAT MAY BE LESS COSTLY TO YOU. YOU CAN REQUEST INFORMATION ABOUT THE AVAILABILITY OF THESE PLANS FROM THE TAX OFFICE.

If you are over 64 or disabled, don’t get a property tax loan, contact your tax office about a deferral.

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