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Updated 2025 Tax Year

Flagler County
Property Tax Guide

Everything you need to know about property taxes in Flagler County, FL. Rates, due dates, exemptions, and how it affects your monthly payment.

8 Official Sources
8 min read
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Quick Facts
Tax Rate
1.2% to 1.8% of assessed value (varies by location and special districts)
1st Due
Nov 1
Exemptions
5+ Available
Section 1

How Property Tax Works

Flagler County's property tax system funds essential local services including schools, county government operations, municipal services, and special districts. The county operates under Florida's property tax laws, which include the Save Our Homes (SOH) amendment that caps annual assessment increases at 3% for homestead properties and provides portability benefits when moving within Florida.

Property tax rates in Flagler County vary by location due to multiple taxing authorities including the county government, school district, municipalities, and special taxing districts such as fire districts, library districts, and community development districts. The combined effective tax rate typically ranges from approximately 1.2% to 1.8% of assessed value depending on your specific location and applicable special districts. Property owners should verify their exact tax rate by checking which taxing districts apply to their specific property address.

The county follows Florida's standard property tax cycle with assessments based on January 1st market values and taxes becoming due with early payment discount opportunities beginning in November, with final payment due by March 31st of the following year.

Section 2

What Makes Up Your Tax Bill

ComponentRate (per $1,000)Description
Flagler County$4.83General county operations and services
Flagler County School District~$6.50-7.50Public school funding (varies annually)
Municipal RateVariesCity taxes (if applicable) - Flagler Beach, Palm Coast, Bunnell
Special DistrictsVariesFire/rescue, library, water management, CDD assessments
Total Range~$12-18Combined rate varies by location and districts

Rates shown are for FY 2024-2025 levy year and are subject to annual adjustment. Special district rates vary significantly by location - some properties may have multiple special districts while others have none. Contact the Flagler County Property Appraiser at (386) 313-4080 to determine exact rates for your property address.

Section 3

When Are Property Taxes Due?

For the 2025/2026 tax year in Flagler County, property taxes are due in two installments:

First Installment
Nov 1
Delinquent after Dec 10
Pro tip: If you pay through mortgage escrow, your lender splits these payments across your monthly mortgage. If you pay directly, set calendar reminders to avoid late penalties.
Section 4

Supplemental Tax Bills

Supplemental property taxes in Flagler County are additional tax bills issued when there are mid-year changes that affect a property's assessed value. Common triggers include new construction completion, major renovations, changes in property use, or ownership transfers that remove existing tax benefits.

When a supplemental assessment occurs, the additional tax is calculated based on the difference between the old and new assessed values, prorated for the remaining months in the tax year. For example, if new construction adds $100,000 in assessed value and is completed in July, the supplemental tax would cover July through the following March (9 months) at the applicable tax rate.

Supplemental tax bills are issued separately from regular annual tax bills and have their own payment deadlines, typically 30 days from the issue date. These taxes do not qualify for the early payment discounts available on regular tax bills and must be paid by the specified due date to avoid penalties and interest charges.

Example Calculation

Example 1: $300,000 Home with Homestead

  • Market Value: $300,000
  • Homestead Exemption Applied: -$50,000
  • Net Taxable Value: $250,000
  • Tax Rate: 1.40% (varies by district)
  • Annual Tax: $3,500
  • Monthly Escrow: ~$292

Example 2: $600,000 Home with Homestead

  • Market Value: $600,000
  • Homestead Exemption Applied: -$50,000
  • Net Taxable Value: $550,000
  • Tax Rate: 1.45% (varies by district)
  • Annual Tax: $7,975
  • Monthly Escrow: ~$665

Example 3: $1,000,000 Non-Homestead Property

  • Market Value: $1,000,000
  • Exemptions Applied: $0 (no homestead)
  • Net Taxable Value: $1,000,000
  • Tax Rate: 1.50% (varies by district)
  • Annual Tax: $15,000
  • Monthly Escrow: ~$1,250

Note: Homestead exemption requires application by March 1st and caps annual assessment increases at 3%. Tax rates vary by special taxing districts within the county. These examples use estimated combined rates.

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Section 5

Escrow & Property Taxes

Most mortgage lenders in Flagler County require property tax escrow accounts, collecting monthly payments equal to 1/12th of the annual tax bill plus a reserve cushion. Lenders typically pay property taxes in November to capture the maximum 4% early payment discount, though some may pay later in the tax year depending on their policies.

Property owners with escrowed taxes should receive an annual escrow analysis from their lender showing tax payments made and any account adjustments needed. If property taxes increase due to rising assessments or millage rate changes, monthly escrow payments may increase accordingly. Conversely, if taxes decrease, owners may receive escrow refunds.

Property owners can verify tax payments were made correctly by checking with the Flagler County Tax Collector's office online or by phone. If discrepancies occur between lender payments and tax bills, contact both your mortgage servicer and the tax collector's office promptly to resolve any issues before penalties accrue.

How HonestCasa Helps
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Section 6

Frequently Asked Questions

Q: When are Flagler County property taxes due for the current tax year? A: For FY 2024-2025, taxes can be paid with a 4% discount in November 2024, 3% discount in December, 2% discount in January 2025, 1% discount in February 2025, and are due in full by March 31, 2025. Taxes become delinquent April 1st.

Q: What tax credits are available and do they require application? A: The primary benefit is the homestead exemption (up to $50,000 reduction in assessed value) which REQUIRES APPLICATION by March 1st. Additional exemptions include senior exemptions, disability exemptions, and veteran exemptions - all requiring separate applications and qualifying criteria.

Q: How does the Homestead exemption work? A: Homestead provides up to $50,000 exemption from assessed value AND caps annual assessment increases at 3% (Save Our Homes). You must apply by March 1st following purchase, and the property must be your permanent residence as of January 1st. Benefits are NOT automatic.

Q: When are properties assessed and how do I appeal? A: Properties are assessed annually based on January 1st market value. Assessment notices are mailed by August 1st. You can appeal to the Value Adjustment Board by filing a petition within 25 days of receiving your TRIM notice, typically by September 15th.

Q: What are the penalties for late payment? A: Taxes become delinquent April 1st with 3% interest charged immediately, plus 1.5% per month thereafter. After two years of delinquency, properties may be sold at tax certificate sales.

Q: Can I pay property taxes online? A: Yes, visit the Flagler County Tax Collector website at flaglertaxcollector.com to pay online with bank transfer (no fee) or credit/debit card (processing fee applies). Phone payments are also available.

Q: What are special district taxes? A: Additional taxes levied by fire districts, library districts, community development districts (CDDs), or municipal service benefit units. Rates vary by location - some properties have multiple special districts while others have none.

Q: Can I transfer my Save Our Homes benefits when moving? A: Yes, Florida allows portability of SOH benefits when moving to a new homestead within Florida. You must apply for portability by March 1st following your move, and benefits can transfer within the same county or to another Florida county.

Verified Sources

Backed by 8 Official Government Sources

Every fact in this guide is sourced from official county, state, and federal documents.

01
Tax Doc
Important Dates & Deadlines – Taxesflaglertax.gov
02
Tax Doc
Property Taxesflaglertax.gov
03
2025 MILLAGE SHEET.xlsxsjctax.us
04
Tax Doc
Tangible Personal Property Taxesflaglertax.gov
05
Installment Payment Planflaglertax.gov
06
2317 PG: 1031 PAGES: 3 - Official Recordsrecords.flaglerclerk.gov
07
Comprehensive Annual Financial Reportflauditor.gov
08
County
Flagler County Board of County Commissioners Workshop ...flaglercounty.gov
All sources verified as of 2025 Tax Year

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