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Updated 2025 Tax Year

Zapata County
Property Tax Guide

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

10 Official Sources
8 min read
Quick Facts
Tax Rate
Varies by location - typically 2.1-2.8% effective rate (county base rate plus school district and special districts)
1st Due
Jan 31
Exemptions
5+ Available
Section 1

How Property Tax Works

Zapata County, Texas operates under the state's property tax system to fund essential local services including schools, county operations, emergency services, and infrastructure maintenance. Property owners in Zapata County pay taxes based on the assessed value of their property multiplied by the combined tax rates of various local taxing entities. The total effective tax rate varies by location within the county, as different areas fall under different combinations of special taxing districts, municipalities, and school districts.

For the current tax year, property owners can expect rates that reflect both county-wide services and location-specific district assessments. The county follows Texas state law requiring annual property assessments, with various tax credits available to qualifying property owners who submit proper applications. Understanding your specific tax obligations requires knowing which taxing districts serve your property location, as rates can vary significantly between different areas of Zapata County.

Section 2

What Makes Up Your Tax Bill

ComponentRate (per $100)Description
Total Combined Rate FY 2024-20250.926561Overall rate for most county areas
Total Combined Rate FY 2025-20260.942384Adopted rate for current fiscal year
Zapata CountyVariesCounty operations, roads, law enforcement
Zapata County ISDVariesSchool district operations and debt service
Special DistrictsVariesFire, water, hospital, or other local services

Note: The total rate of 0.942384 per $100 applies to FY 2025-2026. Your actual rate depends on your specific location within Zapata County and which combination of taxing districts serve your property. Properties in different areas may have different school district boundaries or special district coverage, resulting in rate variations.

Section 3

When Are Property Taxes Due?

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

First Installment
Jan 31
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 Zapata County are additional property tax assessments that occur when there are changes to property ownership, value, or use during the tax year. Common triggers include property sales, new construction completion, major improvements, or changes in property use classification. When these events occur, the county may issue a supplemental tax bill to account for the difference between the original assessment and the new taxable value.

The supplemental tax is calculated by taking the difference between the new assessed value and the previous assessed value, then multiplying by the applicable tax rate for the remaining months in the fiscal year. For example, if a property's assessed value increases by $50,000 due to completed construction in January, and the tax rate is 0.942384 per $100, the supplemental tax would be approximately $471 ($50,000 ÷ 100 × 0.942384) prorated for the remaining months of the tax year.

Example Calculation

Example 1: $300,000 Property Value

  • Assessed Value: $300,000
  • Less: Homestead Credit (if applied): -$100,000 (school portion)
  • Net Taxable Value: ~$250,000 (varies by district)
  • Annual Tax: ~$2,356 ($250,000 ÷ 100 × 0.942384)
  • Monthly Escrow: ~$196

Example 2: $600,000 Property Value

  • Assessed Value: $600,000
  • Less: Homestead Credit (if applied): -$100,000 (school portion)
  • Net Taxable Value: ~$550,000
  • Annual Tax: ~$5,183 ($550,000 ÷ 100 × 0.942384)
  • Monthly Escrow: ~$432

Example 3: $1,000,000 Property Value

  • Assessed Value: $1,000,000
  • Less: Homestead Credit (if applied): -$100,000 (school portion)
  • Net Taxable Value: ~$950,000
  • Annual Tax: ~$8,953 ($950,000 ÷ 100 × 0.942384)
  • Monthly Escrow: ~$746

Note: Credits require application and approval. Actual taxes may vary based on your specific taxing districts.

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Section 5

Escrow & Property Taxes

Most mortgage lenders in Zapata County require property tax escrow accounts to ensure timely tax payments. Your lender collects monthly escrow payments along with your mortgage payment, typically calculating 1/12th of your annual property tax bill plus a small cushion. The lender holds these funds in a separate account and pays your property taxes directly to Zapata County when they become due on the scheduled payment dates.

Escrow accounts are analyzed annually to ensure adequate funding. If your property taxes increase due to assessment changes or rate increases, your monthly escrow payment may be adjusted accordingly. Lenders must provide advance notice of escrow payment changes and may offer options to pay any shortage over time. Property owners should verify that their lender has current contact information for the Zapata County Tax Assessor-Collector's office to ensure proper payment processing and avoid any potential late fees or penalties.

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 Zapata County for FY 2025-2026? A: Property taxes are due on April 15 and September 15 each year. Contact Tax Assessor-Collector Delia Mendoza at 956-765-9971 for specific payment information.

Q: What is the homestead credit and how do I apply? A: The homestead credit provides a $100,000 reduction in assessed value for school district taxes on your primary residence. This credit also caps annual assessment increases at 10%. You must file an application with the county appraisal district - it is not automatic.

Q: Are there other tax credits available in Zapata County? A: Yes, various credits may be available for seniors, disabled persons, veterans, and other qualifying situations. All credits require separate applications and proof of eligibility. Contact the appraisal district for current application forms and deadlines.

Q: When do I need to apply for tax credits? A: Most credit applications must be filed by April 30th for the current tax year, though some have different deadlines. Late applications may be accepted in certain circumstances but should be filed as soon as possible.

Q: How often is my property assessed? A: Properties are assessed annually. The county appraisal district reviews property values each year and mails assessment notices typically in spring. You have the right to appeal your assessment if you disagree with the valuation.

Q: What happens if I pay my taxes late? A: Late payments incur penalties and interest charges. Penalty and interest revenue for the county was budgeted at $175,000, indicating active enforcement of payment deadlines.

Q: Can I pay my property taxes online? A: Contact the Tax Assessor-Collector's office at 956-765-9971 to inquire about online payment options and accepted payment methods.

Q: How do special district taxes affect my bill? A: Depending on your property location, you may pay additional taxes for fire protection, water districts, hospital districts, or other special services. These appear as separate line items on your tax bill and vary by location within Zapata County.

Q: What should I do if I disagree with my property assessment? A: You can file a protest with the Zapata County Appraisal Review Board. Protest deadlines are typically 30 days after receiving your assessment notice, though specific deadlines may vary.

Q: How does the 10% assessment cap work for homestead properties? A: The homestead cap limits annual increases in your property's assessed value to 10%, regardless of market value increases. This benefit requires filing a homestead application and only applies to your primary residence.

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