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Updated 2025 Tax Year

Gilchrist County
Property Tax Guide

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

10 Official Sources
8 min read
Quick Facts
Tax Rate
8.50% and higher depending on special taxing districts within county
1st Due
Nov 1
Exemptions
5+ Available
Section 1

How Property Tax Works

Gilchrist County property taxes are the primary funding source for essential local services including public schools, law enforcement, fire protection, road maintenance, and county administration. Property owners in Gilchrist County benefit from Florida's Save Our Homes constitutional amendment, which caps annual assessment increases at 3% for homesteaded properties, and the homestead exemption that can reduce taxable value by up to $50,000.

The effective tax rate in Gilchrist County varies by location within the county due to different combinations of special taxing districts. For the 2025 tax year, rates typically range from approximately 8.50% to higher amounts depending on your specific tax district and any applicable municipal or special district assessments. Your actual tax rate depends on which fire district, school district, and other special assessment areas serve your property location.

Section 2

What Makes Up Your Tax Bill

ComponentRate (per $1,000)Description
County General$8.5000Basic county services, administration, public safety
School DistrictVariesPublic education funding (rate varies by school district)
Fire DistrictVariesFire protection and emergency services
Special DistrictsVariesDrainage, lighting, recreation districts where applicable

Rates shown are for Levy Year 2025. Your total millage rate depends on your property's location within specific taxing districts. Tax District 4 shows a combined rate of 8.50% for county services, with additional school and special district rates applied separately.

Section 3

When Are Property Taxes Due?

For the 2025/2026 tax year in Gilchrist 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 taxes in Gilchrist County are additional property tax bills issued when there are mid-year changes to your property's assessed value. Common triggers include change of ownership, completion of new construction, additions or improvements to existing structures, or removal of exemptions. The supplemental tax covers the difference between your original tax bill and what you would owe based on the new assessed value, prorated from the date of change through the end of the tax year.

For example, if you purchase a home in January that was previously exempt from taxation, or if you complete a room addition in June, you'll receive a supplemental bill covering the additional taxes owed for the remainder of that tax year. Gilchrist County uses an instrument number indexing system to track these property changes and generate supplemental assessments accordingly.

Example Calculation

Example 1: $300,000 Property

  • Assessed Value: $300,000
  • Homestead Exemption Applied: -$50,000
  • Net Taxable Value: $250,000
  • Tax Rate: 8.50 per $1,000
  • Annual Tax: $2,125
  • Monthly (if escrowed): $177

Example 2: $600,000 Property

  • Assessed Value: $600,000
  • Homestead Exemption Applied: -$50,000
  • Net Taxable Value: $550,000
  • Tax Rate: 8.50 per $1,000
  • Annual Tax: $4,675
  • Monthly (if escrowed): $389

Example 3: $1,000,000 Property

  • Assessed Value: $1,000,000
  • Homestead Exemption Applied: -$50,000
  • Net Taxable Value: $950,000
  • Tax Rate: 8.50 per $1,000
  • Annual Tax: $8,075
  • Monthly (if escrowed): $673

Note: Homestead exemption requires application and approval. Additional exemptions may apply for seniors, veterans, or disabled persons but require separate applications.

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Section 5

Escrow & Property Taxes

Most mortgage lenders in Gilchrist County require borrowers to establish an escrow account for property taxes, especially when the loan-to-value ratio exceeds 80%. Your lender collects 1/12th of your estimated annual property tax bill with each monthly mortgage payment. The lender pays your property taxes directly to Gilchrist County when they become due on March 31st.

Lenders typically review escrow accounts annually and may adjust your monthly payment based on actual tax bills and account balances. If your property taxes increase due to rising assessments or millage rates, expect your monthly mortgage payment to increase accordingly. You can verify your tax payments through the Gilchrist County Tax Collector's website, and you should receive annual escrow statements from your lender showing all deposits and payments made on your behalf.

How HonestCasa Helps
  • Understand whether your escrow is set correctly
  • See how rising taxes will change your monthly payment
  • Plan ahead instead of being surprised by "shortage" letters
Section 6

Frequently Asked Questions

Q: When are property taxes due in Gilchrist County for FY 2025? A: Property taxes are due by March 31st. Taxes become delinquent on April 1st. Early payment discounts are available: 4% in November, 3% in December, 2% in January, and 1% in February.

Q: What homestead exemption am I eligible for and how do I apply? A: The homestead exemption reduces your taxable value by up to $50,000 ($25,000 from all taxing authorities). You must apply with the Gilchrist County Property Appraiser by March 1st. This is NOT automatic and requires a new application when you become a permanent resident.

Q: How does the Save Our Homes cap work? A: Save Our Homes limits annual assessment increases to 3% or the Consumer Price Index, whichever is lower, for homesteaded properties. This caps assessment growth but doesn't reduce your home's market value. You must have an approved homestead exemption to qualify.

Q: Can I appeal my property assessment? A: Yes, you can petition the Value Adjustment Board if you believe your assessment is incorrect. The deadline is typically 25 days after the Notice of Proposed Property Taxes is mailed, usually in late August.

Q: What happens if I pay my taxes late? A: Delinquent taxes accrue interest at 18% per year. Properties with unpaid taxes for two years may be subject to tax certificate sales, and properties with unpaid taxes for seven years may face tax deed sales.

Q: Are there additional tax credits for seniors or veterans? A: Yes, additional homestead exemptions are available for seniors 65+ with limited income, disabled veterans, and widows/widowers of veterans. Each requires a separate application with income and eligibility documentation.

Q: Can I pay my property taxes online? A: Yes, Gilchrist County offers online payment options through the Tax Collector's website. You can pay by electronic check or credit card, though credit card payments may include convenience fees.

Q: Why did I receive a supplemental tax bill? A: Supplemental bills are issued when property changes ownership, new construction is completed, or exemptions are removed mid-year. The bill covers additional taxes owed from the date of change through March 31st of that tax year.

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