Amendment ThreeAll Florida countiesBased on the 2026 certified tax roll
Osceola CountyAmendment 3Tax Calculator
Property search and homestead exemption estimates
Property taxes

How Amendment 3 changes your property tax bill

Florida voters approved Amendment 3 on Nov. 3, 2026. It raises the homestead exemption for every property tax except school taxes to $150,000 in 2027 and $250,000 in 2028. That means county taxes everywhere in Osceola County, plus city taxes for homes inside city limits. Search for a property to see an estimate.

This is not an official source. This is an independent search tool and calculator based on 2026 property data. It was set up as a public service. For official property records, values and exemptions, contact the Osceola County Property Appraiser.

These estimates use current numbers. Amendment 3 will usher in substantial changes to how local governments must tax in order to provide essential services. This tool shows only what the change means based on 2026 values and final 2026 tax rates. Non-ad valorem assessments, such as fire, solid waste and stormwater fees, are likely to rise to make up for budget shortfalls, and they are not included here.

Illustrative estimates only. The figures on this site are meant to illustrate how Amendment 3 could work based on current data. They are not official. For official information about budgets, tax rates and revenue, contact your city, town or Osceola County government directly. For official property values and exemptions, contact the Osceola County Property Appraiser.

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Calculate with your own numbers

Use this if your property isn't listed or you recently bought it. Your assessed value is on your TRIM notice from the Property Appraiser.

Countywide totals

How many of the county's 215,895 parcels, including 87,944 with a homestead exemption, would owe no property tax other than school taxes. That means no county tax, and no city tax for property inside city limits.

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Non-school ad valorem taxes at final 2026 rates

Non-ad valorem assessments, such as fire, solid waste and stormwater charges, are not included. Figures are gross levies, before early-payment discounts of up to 4% and unpaid taxes; Florida law requires taxing authorities to budget at least 95% of their ad valorem proceeds. Estimated non-school ad valorem taxes on the roll if every taxing authority kept its final 2026 rate. Assessed values of homesteads rise by up to 3% a year, never above just value; other property is held at 2026 values. In practice, local governments will set new rates each year.

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Osceola County government

Estimated ad valorem revenue for Osceola County government's property taxes at final 2026 rates, before and after the new homestead exemption. Homestead assessed values rise by up to 3% a year (never above each home's just value); other property stays at 2026 values. These are illustrative estimates only.

LevyMillage2026 revenue (95%)2028 estimate (95%)ChangePercent change
Countywide levies6.9500$386,575,799$308,337,075−$78,238,724−20.2%
Emergency medical services MSTU1.0682$43,954,604$35,858,098−$8,096,506−18.4%
Bellalago MSTU0.1450$103,542$75,384−$28,158−27.2%
Remington MSTU0.3250$102,565$60,669−$41,896−40.8%
Lindfields MSTU1.1486$278,764$230,193−$48,571−17.4%
Indian Wells MSTU4.3345$586,049$423,554−$162,494−27.7%
Raintree Park MSTU1.0000$99,878$61,709−$38,168−38.2%
Blackstone Landing Phase 1 MSTU0.9250$90,260$47,280−$42,980−47.6%
Indian Ridge MSTU4.3355$424,868$278,322−$146,546−34.5%
Hammock Trails MSTU1.0450$95,047$42,046−$53,001−55.8%
The Oaks MSTU0.1295$10,601$6,681−$3,919−37.0%
Intercession City MSTU0.3000$10,742$8,467−$2,275−21.2%
Windmill Point MSTU0.2000$10,684$5,287−$5,397−50.5%
Quail Ridge MSTU1.0671$61,164$36,285−$24,879−40.7%
Isle of Bellalago MSTU0.8343$55,575$29,450−$26,125−47.0%
Windward Cay MSTU0.4800$14,551$10,365−$4,186−28.8%
Hammock Point MSTU0.3000$10,972$5,432−$5,540−50.5%
Reserve at Pleasant Hill MSTU0.4250$5,804$3,015−$2,789−48.1%
Orange Vista MSTU1.1824$11,492$5,110−$6,382−55.5%
Live Oak Springs MSTU0.5500$7,724$3,080−$4,644−60.1%
Kissimmee Isles MSTU0.5155$6,713$3,730−$2,982−44.4%
Emerald Lakes MSTU0.5010$4,628$2,625−$2,003−43.3%
St. James Park MSTU2.4466$20,763$10,958−$9,805−47.2%
Royal Oaks Phases 2-5 MSTU0.7775$4,481$2,608−$1,874−41.8%
Anorada MSTU2.7500$18,179$7,306−$10,873−59.8%
Shadow Oaks MSTU0.4560$2,644$1,172−$1,472−55.7%
Winners Park MSTU2.1000$6,851$3,677−$3,174−46.3%
All county levies$432,574,943$345,559,580−$87,015,364−20.1%

See the Osceola County government page for the full estimates, what drives them and their limitations.

Estimated ad valorem revenue for countywide taxing authorities that are separate from Osceola County government, at final 2026 rates. Homestead assessed values rise by up to 3% a year (never above each home's just value); other property stays at 2026 values. These are illustrative estimates only.

Taxing authorityMillage2026 revenue (95%)2028 estimate (95%)ChangePercent change
Osceola Library District0.3000$16,686,725$13,309,514−$3,377,211−20.2%

These levy their taxes countywide on the same taxable value as Osceola County government's countywide levies, so their estimated percentage changes match. Each page lists the full limitations.

Cities and towns

Estimated city ad valorem revenue at each city's or town's final 2026 tax rate, before and after the new homestead exemption. Homestead assessed values rise by up to 3% a year (never above each home's just value); other property stays at 2026 values. These are estimates only: values, the number of homesteads and tax rates will change, and property taxes are one of several revenue sources. Each page lists the full limitations.

The size of the estimated change depends mostly on how much of each place's taxable value comes from homesteads. In 2026 that share ranges from 20.6% in Kissimmee to 47.5% in St. Cloud. Lower home values also play a part, because a flat exemption removes a larger share of a lower-valued home's taxable value.

City or townCity millageHomesteadsHomestead share of taxable value2026 city revenue (95%)2028 estimate (95%)ChangePercent change
City of Kissimmee4.625310,84420.6%$31,834,355$26,343,055−$5,491,301−17.2%
City of St. Cloud5.112818,51447.5%$34,708,834$21,975,098−$12,733,737−36.7%

Revenue is shown on a budget basis: 95% of the gross levy (taxable value times the city tax rate). Florida law requires taxing authorities to plan on at least 95% of ad valorem proceeds, which allows for early-payment discounts of up to 4% and for unpaid taxes. Percent changes are the same on either basis. Compare cities and towns side by side.

About this tool

Contact

Have a question about the calculator, or think a property's numbers are wrong? Send a message. For official corrections to your property record, contact the Osceola County Property Appraiser.

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Before you begin

What these estimates do and don't show

Amendment 3 will usher in substantial changes to how local governments must tax in order to provide essential services such as law enforcement, fire rescue, roads and libraries.

This calculator shows only what the change means based on current numbers: 2026 property values and the final 2026 tax rates. It does not predict future budgets or tax rates.

To make up for budget shortfalls, non-ad valorem assessments, such as fire, solid waste and stormwater fees, are likely to rise. Those charges are not included in these estimates, so actual bills may be higher than shown.

This is an independent, unofficial tool. For official information, contact the Osceola County Property Appraiser.

The computing behind this tool is cheap, but not free. If it's useful to you, you're welcome to help support it and others like it at buymeacoffee.com/amendmentthree. Contributions are not donations to a charity and are not tax-deductible.