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Updated 2025 Tax Year

St. Johns County
Property Tax Guide

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

10 Official Sources
8 min read
Quick Facts
Tax Rate
1.0% to 1.5% total effective rate (varies by taxing districts including county, school, municipal, and special districts)
1st Due
Nov 1
Exemptions
5+ Available
Section 1

How Property Tax Works

St. Johns County operates under Florida's property tax system, where property taxes are the primary funding source for local government services including schools, public safety, infrastructure, and county operations. The county follows Florida's "Save Our Homes" (SOH) law, which caps annual assessment increases at 3% for homesteaded properties, and offers homestead exemptions up to $50,000 for qualifying owner-occupied residences.

Property tax rates in St. Johns County vary significantly by location due to multiple overlapping taxing districts including the county general fund, school district, municipalities, and special districts for services like fire protection, water management, and community development. The total effective tax rate typically ranges from approximately 1.0% to 1.5% of assessed value depending on your specific location and applicable district assessments. All exemptions and credits require formal application and are not automatically applied to your property.

Section 2

What Makes Up Your Tax Bill

Based on FY 2025-2026 levy rates:

ComponentRate (per $1,000)Description
County General4.4999Basic county services, infrastructure
School District~6.5-7.5Public education funding
MunicipalVariesCity services (if applicable)
Special Districts1.5-3.0Fire, water, community services
Total Millage13.4686Combined rate (varies by district)

Note: The total millage of 13.4686 represents one district combination. Your actual rate may differ based on your property's location and the specific special taxing districts that serve your area. Contact the St. Johns County Property Appraiser at (904) 827-5500 for your specific district combination.

Section 3

When Are Property Taxes Due?

For the 2025/2026 tax year in St. Johns 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 St. Johns County are additional assessments for specific services beyond the standard property tax bill. These commonly include solid waste collection, recycling services, and disposal fees. Supplemental taxes are triggered by property ownership as of January 1st and are based on the level of services provided to your property location.

For example, a typical supplemental tax bill might include: SW Disposal ($71.04), SW Collection ($106.56), and SW Recycling ($35.52) for a total of $213.12 annually. These supplemental assessments are calculated based on service delivery areas and are billed separately from your primary property tax. The rates are set annually by the county commission and appear as separate line items on your tax statement.

Example Calculation

Example 1: $300,000 Home with Homestead Exemption

  • Market Value: $300,000
  • Homestead Exemption Applied: $25,000
  • Net Taxable Value: $275,000
  • Annual Tax (13.4686 millage): $3,704
  • Monthly Escrow: $308

Example 2: $600,000 Home with Homestead Exemption

  • Market Value: $600,000
  • Homestead Exemption Applied: $50,000
  • Net Taxable Value: $550,000
  • Annual Tax (13.4686 millage): $7,408
  • Monthly Escrow: $617

Example 3: $1,000,000 Investment Property (No Homestead)

  • Market Value: $1,000,000
  • Exemptions Applied: $0 (investment property)
  • Net Taxable Value: $1,000,000
  • Annual Tax (13.4686 millage): $13,469
  • Monthly Escrow: $1,122

Note: Homestead exemption requires application by March 1st and property must be your primary residence as of January 1st.

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Section 5

Escrow & Property Taxes

Most mortgage lenders in St. Johns County require property tax escrow accounts, collecting 1/12th of your annual property tax bill with each monthly mortgage payment. Lenders typically collect an initial escrow deposit at closing equal to 2-3 months of property taxes to establish the account cushion required by federal regulations.

Property taxes in St. Johns County are due in full by March 31st annually, and your lender will make this payment directly to the St. Johns County Tax Collector from your escrow account. Lenders must provide an annual escrow analysis showing the account activity and any required payment adjustments. You can verify your tax payment was made by checking the St. Johns County Tax Collector website at sjctax.us or calling (904) 209-2250. If your escrow analysis shows a shortage due to increased assessments, your monthly payment may increase to cover the difference.

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 St. Johns County property taxes due for FY 2025-2026? A: Property taxes are due in full by March 31, 2026. Unlike many Florida counties, St. Johns County does not offer early payment discounts. Late payments incur penalties and interest charges.

Q: What homestead exemption am I eligible for and how do I apply? A: Florida homestead exemption reduces your taxable assessed value by up to $50,000 ($25,000 off all taxes, additional $25,000 off non-school taxes). You must apply by March 1st at the St. Johns County Property Appraiser's office and the property must be your primary residence as of January 1st.

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, not market value, and requires an approved homestead exemption application.

Q: What other tax credits are available and do I need to apply? A: Additional credits include Senior Exemption (65+, income qualified), Disability Exemption, Veterans Exemption, and Widow/Widower Exemption. All require separate applications with documentation and must be filed by March 1st annually.

Q: How can I appeal my property assessment? A: File a petition with the St. Johns County Value Adjustment Board by the deadline specified on your TRIM notice (typically late July/early August). You can also contact the Property Appraiser first to discuss your concerns informally.

Q: What happens if I pay my taxes late? A: Late payments incur a penalty of 3% for April, with an additional 1.5% added each month thereafter. Interest also accumulates, and unpaid taxes can result in tax certificate sales.

Q: Can I pay my property taxes online? A: Yes, visit sjctax.us to pay online with bank transfer or credit card. Credit card payments incur processing fees. You can also pay by phone at (904) 209-2250 or in person at the Tax Collector's office.

Q: Why do special district taxes vary in different parts of the county? A: St. Johns County has multiple special taxing districts for fire protection, municipal services, community development, and water management. Your total tax rate depends on which districts serve your specific property location.

Q: Can I transfer my Save Our Homes benefit when I move within Florida? A: Yes, Florida law allows portability of SOH benefits. You can transfer up to $500,000 of benefit to a new homesteaded property within two years. Apply with the new county's Property Appraiser by March 1st.

Q: How do I verify what special districts apply to my property? A: Contact the St. Johns County Property Appraiser at (904) 827-5500 or check your annual TRIM notice which lists all taxing authorities. Your property's specific district codes determine your total millage rate.

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