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Re: Appraisal districts [Re: topwater13] #9177584 01/28/25 12:23 AM
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All CAD’s are frauds and crooks. They hire realtors and appraisers, then use their MLS access to access the sold values. Texas is a non disclosure state, meaning YOU DO NOT HAVE TO DISCLOSE THE PRICE YOU PAID FOR THE REAL ESTATE YOU BOUGHT.

Where’s the “appraisal” if they just look at sales prices on MLS? It’s the CAD’s job to go around looking at properties and comparing it to other properties to determine value, not to get on MLS and look at the sold price.

Hell, if you live in McClennan County I feel bad for y’all. That’s the worst CAD I’ve ever dealt with. They still think I own property there and sent me a notice that I haven’t paid taxes and will be facing legal remedies for them to get paid. I’ve told them and sent them proof that I sold the property in Sept of 23. The poor owner is going to lose her house. They are so inept down there it’s not even funny.


Wade Dews, REALTOR ®
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Re: Appraisal districts [Re: BigPig] #9177621 01/28/25 01:35 AM
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Originally Posted by BigPig
All CAD’s are frauds and crooks. They hire realtors and appraisers, then use their MLS access to access the sold values.

They don't even do that 90% of the time.

The MLS gives them access to the information and they can look it up on their own. The issue is that they have no clue what to do and take the laziest route possible. They'll compare a property with highway frontage to one 10 miles in, they'll pull sales data from 4 years ago, etc. I had one lady have a melt down during our conference call because I asked why they were letting their interns do comps and it turned out it was one of the people in the meeting that had been sitting quietly.

"I've been working for the CAD for 5 years!" Yeah? And how much experience do you have with the market as far as sales? Are you a licensed appraiser in the State of Texas? Where did you get the data? Why did you use this particular comp that was purchased 2 years ago cash and then seized by the government when the buyer was indicted for drug trafficking? What about depreciation on the construction materials? Do you know how much that costs? What's the cost to replace my roof per square? Why has this other house sat on the market for 15 months at that same price?

Like I said, I treat them with respect, but I refuse to let them railroad me over a Zestimate.

Re: Appraisal districts [Re: topwater13] #9177693 01/28/25 03:42 AM
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I have had good dealings with the Henderson County CAD appraisers for the seven years I've lived here. They backed way down twice when I came in with solid information and showed them they were wrong. Now, I don't fight it because my taxes were frozen at a low amount when I hit 65.

I like it when the appraisal climbs because that is such a powerful property tax reduction tool for me to use if I decide to move. Remember that you take the PERCENTAGE reduction with you. I am currently paying around 28% of the "unfrozen" tax amount and I can foresee that dropping to 15% or 20% in the future. That means I will only pay 15% or 20% of the normal property tax bill on another home. If I decide to scale down, I could end up with a "chump change" annual property tax bill. Conversely, I could upgrade and not have the taxes kill me.

Remember that all Texas counties must freeze the school portion. But it is up to the individual county if they want to freeze more or all of the bill. I chose my county carefully with that in mind.


A Democracy is when two wolves and a lamb vote on the dinner menu. That is why this country was specifically not designed as a Democracy. We are a Constitutional Republic.
Re: Appraisal districts [Re: topwater13] #9177708 01/28/25 04:05 AM
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If I sell my current home that has a Homestead Exemption, can I apply for it on my new home? In the same year?

Re: Appraisal districts [Re: JP4065] #9177715 01/28/25 04:16 AM
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Originally Posted by JP4065
If I sell my current home that has a Homestead Exemption, can I apply for it on my new home? In the same year?


I believe it will be prorated and still applied to both homes.

Re: Appraisal districts [Re: topwater13] #9177716 01/28/25 04:20 AM
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We bought this home in 21 and man has our taxes and exemptions been screwed up. It took 3 years for them to get it right, what a mess. But now things are good and the checks have been cut to make it right.

It's funny how the appraisal district values our home at 700K, a buyer values it at 250K and the bill of sale was 400K.

Edit: It’s actually not funny.

Last edited by rolyat.nosaj; 01/28/25 04:21 AM.
Re: Appraisal districts [Re: JP4065] #9177717 01/28/25 04:31 AM
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Originally Posted by JP4065
If I sell my current home that has a Homestead Exemption, can I apply for it on my new home? In the same year?

Yes. Once you purchase the new home, you will need to change your address on your DL and fill out the form to take to the CAD.

In order to get credit, you will need to apply before the cutoff (varies by county) and it has to be for I believe at least 60% of the year. (I.E. you can't apply for it in September, etc.) Usually, your home will have the HS exemption from the previous owners, so the tax bill won't go up. If it's new construction, the prior year is usually taxed at the land value, since the home wasn't built yet.

Your mileage may vary depending on the scenario, of course.

Re: Appraisal districts [Re: topwater13] #9177782 01/28/25 01:46 PM
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Originally Posted by topwater13
Who would take a job working for these pricks? Especially the person that is in charge of looking for, and reporting "improvements". I barely have forms set for a shop addition and this c*nt is already scouting from the county road. Do they have random citizens they pay finder's fees for tattle tailing? Theft at best.


They're the same people who want to be an HOA nazi.

Re: Appraisal districts [Re: 7x57] #9177804 01/28/25 02:25 PM
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Originally Posted by 7x57
Originally Posted by JP4065
If I sell my current home that has a Homestead Exemption, can I apply for it on my new home? In the same year?

Yes. Once you purchase the new home, you will need to change your address on your DL and fill out the form to take to the CAD.

In order to get credit, you will need to apply before the cutoff (varies by county) and it has to be for I believe at least 60% of the year. (I.E. you can't apply for it in September, etc.) Usually, your home will have the HS exemption from the previous owners, so the tax bill won't go up. If it's new construction, the prior year is usually taxed at the land value, since the home wasn't built yet.

Your mileage may vary depending on the scenario, of course.



That’s not correct. When you purchase an existing home, even if it has HS exemption in place, this is the opportunity for the CAD to make a large adjustment, then your HS exemption will kick in from that point forward.

My house is in HS, because of that its taxable amount is $575,000 vs its appraised amount of $830,000. If I sold tomorrow, and the new owner put in place a new HS exemption, it would be based upon the new appraised value, which will be much higher than $575,000. And you can apply for HS anytime once you have updated your DL, the old rules of having to wait until January were removed a few years ago, it just won’t go into effect until a certain date, this was to protect homeowners who forget to file for the exemption a year later.


Wade Dews, REALTOR ®
Rendon Realty, LLC
Frontline Real Estate Team
www.RendonRealty.com
WadeDews@gmail.com
214-356-2410
Up to 1% for closing costs for First Responders & Veterans
Proudly partnered with Assist The Officer Foundation https://atodallas.org/
Re: Appraisal districts [Re: topwater13] #9177828 01/28/25 02:51 PM
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Funny not funny thing about homestead exemptions;

My FIL passed on 2021, leaving my MIL to downsize considerably as the land could not be taken care of properly. I had moved her money around to where it is doing very well, and it made sense to finance the new house she was buying. This was when interest rates were sub 3%. There was no penalty here due to the stepped up basis....in essence, the older property's equity was tax free to her.
However, in order to finance she needed a co-signer as she had not worked in some time. My wife went ahead and co-signed and is listed as 50% owner on the deed. Since my wife is also listed on our homestead property, my MIL could only homestead 50% of the new property. Lessen learned...although I don't think it is right.

Re: Appraisal districts [Re: Choctaw] #9177834 01/28/25 02:56 PM
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Originally Posted by Choctaw
Originally Posted by topwater13
Who would take a job working for these pricks? Especially the person that is in charge of looking for, and reporting "improvements". I barely have forms set for a shop addition and this c*nt is already scouting from the county road. Do they have random citizens they pay finder's fees for tattle tailing? Theft at best.


They're the same people who want to be an HOA nazi.




We bought here in 2015, gated, controlled entry city (Yes, it is), POA even owns the streets here, got a letter warning about one trashcan being visible from the street about the fourth day we were here...I never did receive a welcome letter.

Re: Appraisal districts [Re: Big_Country01] #9177879 01/28/25 03:44 PM
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Originally Posted by Big_Country01
Being in the fire service, property taxes are a tough one for me to address because that is where we get our funding from. Property taxes do not go to the state. They go to your local taxing entities. In my county, the local school district is the biggest recipient of property tax. The county gets the next biggest cut, and the ESD (emergency services district which is the fire departments) get the least.

The school gets 2.5 times what the county gets, and they get 15 times what the fire departments get. For every $1.21 the school gets in taxes, the fire departments get $0.10. That is pretty sad.

I know where my property taxes go so I am not opposed to them, however, I am opposed to the way they are collected and the constant increase year after year. The appraisers can make up whatever number they want for property value. Many of them just go off Zillow or other real estate listings. Basing it off of market value is not a fair way do do it. If we are being honest, the market value of my property is $0 because it is not for sale.

A flat rate per square foot on buildings and a flat rate per acre would be the better way to do it instead of just making up numbers. For services provided, it cost the fire department the same to serve a 1500 sq ft dumpy trailer as it does a 1500 sq ft brand new brick home.


The appraisal system is broken. Want to know why look at values for similar houses in your neighborhood. When i do that in my neighborhood i can pick out the owners who have sucessfully protested and won versus the ones that dont protest. Ideally it should be based on what you paid or the house with increases based on an inflation factor or maybe per SF plus add ons like shops.

Last edited by Stump_jumper; 01/28/25 03:45 PM.

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Re: Appraisal districts [Re: BigPig] #9177927 01/28/25 04:57 PM
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Originally Posted by BigPig
Originally Posted by 7x57
Originally Posted by JP4065
If I sell my current home that has a Homestead Exemption, can I apply for it on my new home? In the same year?

Yes. Once you purchase the new home, you will need to change your address on your DL and fill out the form to take to the CAD.

In order to get credit, you will need to apply before the cutoff (varies by county) and it has to be for I believe at least 60% of the year. (I.E. you can't apply for it in September, etc.) Usually, your home will have the HS exemption from the previous owners, so the tax bill won't go up. If it's new construction, the prior year is usually taxed at the land value, since the home wasn't built yet.

Your mileage may vary depending on the scenario, of course.



That’s not correct. When you purchase an existing home, even if it has HS exemption in place, this is the opportunity for the CAD to make a large adjustment, then your HS exemption will kick in from that point forward.

My house is in HS, because of that its taxable amount is $575,000 vs its appraised amount of $830,000. If I sold tomorrow, and the new owner put in place a new HS exemption, it would be based upon the new appraised value, which will be much higher than $575,000. And you can apply for HS anytime once you have updated your DL, the old rules of having to wait until January were removed a few years ago, it just won’t go into effect until a certain date, this was to protect homeowners who forget to file for the exemption a year later.

So what was incorrect about what I said?

CAD is not going to adjust your property taxes until they do the yearly appraisal, which is for the following tax year, when your new HS exemption would now exist. No one said anything about the property staying at the same value if it sold for more.

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