What If I Don’t Receive a Property Tax Statement in Texas?

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During the year, Texas county appraisal districts evaluate the value of properties within their county. From those valuations and after applicable protest periods have expired, and respective taxing entities have ratified their tax rates, property tax bills begin to get delivered electronically and by mail to property owners around October 1st of each year. Generally, owners have until January 31st of the following year to pay their taxes before penalties and interest occur. But what happens if the end of January is approaching and you still haven’t received your property tax statement? Continue reading to learn why this may have occurred and the steps to take to ensure you are not late and end up with a delinquent property tax bill.

Why did I not get a property tax statement?

Property tax statements are sent by the county in which your property is located. There are several reasons why you may not have gotten a property tax statement:

  • Your county appraisal district has yet to appraise your property
  • You requested to go to paperless and must assess your statement online
  • You recently took ownership of the property, and the county office has not yet been notified of the change

What do I do if I don’t get a property tax statement?

If you can access your property tax account online, you should first check your account to see if you can get an online statement. Also, take this opportunity to ensure your contact information, including your mailing address, is up to date. If this is unsuccessful, you should call or email your county’s property tax assessor office to inquire further. Visit Property Tax 101 for a list of the 254 counties located in Texas, where you can find the contact information for your county.

Do I still need to pay my property taxes?

The short answer is yes. Even though you have not yet received a property tax statement, you are still responsible for paying your property taxes on time. To find out your payment amount, you should call your county property tax assessor as soon as possible to avoid any penalties or interest. You can find contact information for your county from Property Tax 101 or your prior year’s property tax statement.

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What if I can’t afford my property tax payment?

After determining your property tax payment amount, you may find you do not have sufficient funds. Failing to pay your property tax can result in significant costs arising from penalties and interest, ultimately resulting in foreclosure, should it remain unpaid. Consider using a property tax loan to pay your property tax through affordable monthly payments, both saving you money and protecting your property.

We Provide a Solution for Property Owners Owing Property Tax in Texas

Founded in 1946, American Finance & Investment Co., Inc. (AFIC) started by serving the financial needs of El Paso and has since grown to become one of the top property tax lenders in the state of Texas, with a complaint-free track record for over 65 years, with the Better Business Bureau.

We offer our clients an affordable, hassle-free way to ensure that your account with the local government tax office is paid in full and will work out a manageable repayment plan for you. AFIC can provide you with an instant quote by completing the form on our homepage. For qualifying properties, we can help you pay off your delinquent taxes and offer you the following benefits:

  • Quick and completely online process
  • No money down
  • No credit check
  • Free 30-day rate match
  • Match competitors and beat their rate by 1%
  • Avoid high penalties and foreclosure

AFIC also gives back to our Texas community through philanthropic and charitable ventures in multiple ways, including the following:

  • El Pasoans Fighting Hunger
  • United Way of El Paso
  • Jack Eisenberg/Coca Cola Endowed Scholarship Fund - University of Texas at El Paso

We pride ourselves on finding solutions to suit the unique needs of our clients. If you would like to discuss our property tax loans, please contact our experienced team at AFIC today.


Ernest Eisenberg

Ernest Eisenberg, President of American Finance & Investment Co., Inc. (AFIC), brings a wealth of expertise in non-traditional financing, including property tax loans and non-bank mortgage solutions. His vision is characterized by a commitment to offering flexible financing solutions to Texas property owners.

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Proudly Serving Austin (Travis County & Williamson County), Dallas (Dallas County), El Paso (El Paso County), Fort Worth (Tarrant County), Houston (Harris County, Fort Bend County, & Montgomery County), the Rio Grande Valley (McAllen, Pharr, Hidalgo County, & Cameron County), San Antonio (Bexar County), Waco (McLennan County) and the rest of Texas with Property Tax Loans.

APR between 8.0% and 25.0% for loan terms between 12 and 120 months. For example 8.5% APR, $25,000 loan, $750 in Closing Costs, 120 Monthly Payments of $303.32.

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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