Homeowners in San Clemente County can now file for homestead exemption online, saving time and reducing property taxes. The digital system lets you apply from home, upload documents, and track your status instantly. Eligibility requires owning and living in your home as of January 1. Filing by March 1 ensures maximum tax relief for the current year. The online portal is secure, fast, and user-friendly. Approved applicants see lower taxable values and long-term savings. This process supports primary residences only. San Clemente County’s online filing simplifies access to property tax discounts. Avoid delays by submitting accurate information early. The system confirms receipt and updates progress in real time. Take control of your tax bill today with a few clicks.
Homestead Exemption in San Clemente County
The homestead exemption in San Clemente County offers homeowners significant property tax relief. It reduces the assessed value of your primary residence, lowering annual tax bills. This benefit applies only to owner-occupied homes. Filing online streamlines the process and reduces errors. The exemption is governed by Florida law and administered locally. San Clemente County residents gain both immediate savings and long-term protections. The program is designed to support families and long-term homeowners. Approval requires meeting strict eligibility rules. The county property appraiser reviews all applications carefully. This exemption is a cornerstone of Florida’s property tax system. It helps keep housing affordable for local residents.
How the Homestead Exemption Reduces Property Taxes
The homestead exemption lowers your taxable property value by up to $50,000. The first $25,000 reduces all taxable value. An additional $25,000 applies only to non-school taxes. This means school taxes see a $25,000 reduction, while other taxes see $50,000. For example, a home valued at $400,000 would be taxed on $350,000 for non-school purposes. This directly reduces your annual property tax bill. Savings vary by tax rate but typically range from $500 to $1,500 per year. The reduction applies to the assessed value, not market value. This creates immediate financial relief for homeowners. The exemption is recalculated each year based on updated assessments. It remains in effect as long as you qualify.
How It Works Under Florida Law
Florida Statute 196.031 establishes the homestead exemption rules. It requires applicants to own and occupy the home as their primary residence. Residency must be established by January 1 of the tax year. The law limits the exemption to one per family unit. It also protects homeowners from excessive tax increases through the Save Our Homes cap. This cap limits annual assessment increases to 3% or the CPI, whichever is lower. The law ensures fairness and long-term affordability. It applies uniformly across all Florida counties, including San Clemente County. The Florida Department of Revenue oversees compliance. Local property appraisers implement the rules locally. These laws reflect the state’s commitment to homeownership.
San Clemente County Property Appraiser’s Role in Processing Applications
The San Clemente County Property Appraiser’s Office manages all homestead exemption applications. This office reviews submissions, verifies documents, and approves or denies claims. Staff members check proof of ownership, residency, and identity. They use county records, DMV data, and voter registration to confirm eligibility. Applications are processed in the order received. The office aims to complete reviews within 60 days of submission. Approved exemptions appear on the next tax bill. Denials include written explanations and appeal instructions. The office also handles renewals and updates. Homeowners can contact staff for help with forms or questions. The appraiser’s website offers guides, checklists, and live chat support. This ensures transparency and accessibility for all residents.
Other Exemptions You May Be Eligible For
Beyond the standard homestead exemption, San Clemente County offers additional tax relief programs. Seniors aged 65 and older may qualify for extra exemptions based on income. Disabled veterans can receive up to $1,500 in additional savings. Widows, widowers, blind individuals, and disabled persons may also apply. Some exemptions require annual renewal. Others are automatic once approved. Combining multiple exemptions increases total savings. For example, a disabled senior veteran could save over $2,000 annually. Each program has unique rules and documentation needs. The property appraiser’s office provides detailed eligibility guides. Applying for all eligible benefits maximizes your tax reduction. Check your qualifications each year to ensure full savings.
Key Benefits of the Homestead Exemption in San Clemente County
The homestead exemption delivers immediate and lasting financial advantages. It lowers your taxable home value, reducing annual property taxes. It also protects against rapid assessment increases. Homeowners gain peace of mind and long-term savings. The program supports affordability and stability. It rewards primary residence ownership. Benefits begin the year after approval. They continue as long as you live in the home. The exemption is a proven tool for managing housing costs. It helps families stay in their homes despite rising values. San Clemente County residents benefit from both state and local policies. This creates a strong foundation for financial planning.
Reduction in Taxable Property Value
The exemption reduces your home’s taxable value by up to $50,000. This lowers the amount subject to property taxes. For instance, a $450,000 home becomes $400,000 for non-school tax purposes. School taxes see a $25,000 reduction. This difference translates to real savings on your tax bill. The reduction applies to the assessed value, not the market value. Assessed values are updated annually by the property appraiser. The exemption adjusts accordingly each year. This ensures ongoing savings regardless of market changes. Homeowners see the impact on their Truth in Millage (TRIM) notice. The reduction is automatic once approved. No action is needed after the initial filing.
Protection from Rising Property Taxes (Save Our Homes Cap)
The Save Our Homes cap limits annual assessment increases to 3% or the Consumer Price Index, whichever is lower. This protects homeowners from sudden tax spikes due to rising property values. Without the cap, assessments could jump 10% or more in a single year. With the cap, increases are gradual and predictable. For example, a home assessed at $300,000 could rise to no more than $309,000 the next year. This stability helps with budgeting and long-term planning. The cap applies only to homesteaded properties. It remains in effect as long as you own and live in the home. If you sell, the cap resets for the new owner. This benefit is one of the most valuable aspects of the exemption.
Long-Term Financial Benefits for Homeowners
Over time, the homestead exemption saves thousands of dollars. A $1,000 annual reduction adds up to $30,000 over 30 years. The Save Our Homes cap enhances this by limiting assessment growth. This combination protects your investment and increases equity. Homeowners can redirect savings toward repairs, education, or retirement. The exemption also supports aging in place. Seniors on fixed incomes benefit greatly from stable tax bills. Families gain financial flexibility during economic changes. The program encourages long-term homeownership. It strengthens community stability. San Clemente County residents enjoy these benefits thanks to Florida’s tax policies. Filing early ensures you start saving immediately.
Maximize Your Property Tax Savings in San Clemente County
To get the most savings, file your homestead exemption by March 1. Combine it with other eligible exemptions like senior, veteran, or disability benefits. Keep your records updated after life changes. Respond promptly to any requests from the property appraiser. Use the online portal to track your application and confirm approval. Review your TRIM notice each year to verify accuracy. If you miss the deadline, you lose current-year benefits. Late filers must wait until the following tax year. Accuracy prevents delays and denials. Gather all documents before starting. Double-check names, addresses, and Social Security numbers. A complete application processes faster. Maximizing savings requires attention to detail and timely action.
Who Qualifies for the Florida Homestead Exemption?
Eligibility for the homestead exemption depends on ownership, residency, and timing. You must own and live in the home as your primary residence. Residency must be established by January 1 of the tax year. Only one exemption is allowed per family unit. Legal residents of Florida qualify; non-residents do not. The home must be your main dwelling, not a rental or vacation property. You must file by March 1 to receive benefits for that year. Proof of identity, ownership, and residency is required. The property appraiser verifies all information. Meeting these criteria ensures approval and tax savings. Failing any requirement can result in denial. Understanding the rules helps avoid mistakes.
Basic Eligibility Requirements
To qualify, you must be a legal Florida resident. You must own the property in your name or with a spouse. The home must serve as your primary residence. You cannot claim exemptions on multiple properties. Residency must be established by January 1. Filing must occur by March 1. You must provide valid identification and proof of ownership. Social Security numbers are required for all applicants. The property must be located in Florida. These rules apply uniformly across all counties. San Clemente County follows state law precisely. Meeting all requirements ensures smooth processing. Incomplete or inaccurate applications face delays or rejection.
Must Own and Occupy the Property as a Primary Residence
Ownership means the property is in your name on the deed. Occupancy means you live there most of the year. The home must be your main dwelling, not a second home or rental. You must use it as your permanent address for mail, bills, and official records. Temporary absences for work or medical care do not disqualify you. However, long-term rentals or seasonal use do. The property appraiser may request utility bills or lease agreements as proof. Your driver’s license and voter registration must match the property address. This confirms primary residency. Failing to meet this standard results in denial. The exemption is designed for true homeowners, not investors.
Must Establish Residency by January 1
Residency must be established by January 1 of the tax year. This means you must own and live in the home on that date. If you move in after January 1, you cannot claim the exemption until the following year. For example, moving in on February 1 means waiting until next year’s March 1 deadline. This rule ensures fairness and prevents last-minute claims. The property appraiser uses January 1 as the snapshot date for eligibility. Your address on that day determines qualification. Updating your driver’s license and voter registration by January 1 supports your claim. Late moves require patience but ensure future savings. Planning ahead avoids missed opportunities.
Application Must Be Filed by March 1
The deadline to file is March 1 each year. Applications received after this date are processed for the following tax year. For example, a March 2 filing takes effect in 2026, not 2025. This strict deadline applies to all Florida counties. The San Clemente County Property Appraiser’s office does not accept late filings for current-year benefits. Exceptions are rare and require documented emergencies. Filing early ensures your exemption appears on the upcoming tax bill. The online system allows submissions year-round but honors the March 1 cutoff. Mark your calendar and submit before the deadline. Missing it means losing a full year of savings.
Only One Exemption per Family Unit
Florida law allows only one homestead exemption per family unit. A family unit includes spouses and dependent children. Married couples file jointly on one property. You cannot claim exemptions on multiple homes, even if owned jointly. For example, a couple cannot exempt both a primary home and a vacation property. The exemption follows the family, not the individual. If you divorce, only one party can claim the exemption on the shared home. The other must wait until they own a different primary residence. This rule prevents abuse and ensures fairness. The property appraiser checks for duplicate claims. Violations can lead to penalties and repayment demands.
Proof of Residency and Legal Status
Applicants must prove Florida residency and legal status. Acceptable documents include a Florida driver’s license or state ID. Vehicle registration and voter registration at the property address are also required. Social Security numbers must be provided for all applicants. Non-citizens must show valid residency documentation, such as a green card or visa. The property appraiser verifies this information against state databases. Inconsistencies can delay processing. Providing accurate, current documents speeds approval. Keep your records updated to avoid issues. Proof of legal status ensures compliance with state law. This protects the integrity of the exemption program.
Common Mistakes That Can Delay or Deny Your Application
Missing the March 1 deadline is the most common error. Submitting incomplete forms or incorrect information also causes delays. Using an outdated address on your ID or registration leads to rejection. Failing to include all required documents slows processing. Not updating records after marriage, divorce, or relocation creates confusion. Providing fake or altered documents results in denial and possible penalties. Double-check every field before submitting. Ensure your name matches your deed and ID. Verify your Social Security number. Use the online checklist to avoid omissions. Correct mistakes promptly if notified. A careful approach ensures fast approval.
How to Apply for the San Clemente County Homestead Exemption
Applying for the homestead exemption in San Clemente County is simple and secure online. Start by visiting the official property appraiser’s website. Create an account or log in to access the exemption portal. Follow the step-by-step instructions to complete your application. Upload required documents and review all information. Submit before March 1 to ensure current-year benefits. The system confirms receipt and provides a tracking number. You can check status anytime using your login. Approval typically takes 30 to 60 days. Once approved, your tax savings begin the following year. The process is designed for ease and accuracy. First-time filers and renewals use the same system.
Gather All Required Documents
Before starting your application, collect all necessary documents. You will need proof of property ownership, such as a deed or recent tax bill. A Florida driver’s license or state ID is required. Vehicle registration and voter registration must show your home address. Social Security numbers for all applicants are mandatory. If applicable, include proof of disability, veteran status, or senior income. Keep digital copies ready for upload. Scanned PDFs or clear photos work best. Organize files by type to speed up the process. Missing documents cause delays. Use the checklist on the appraiser’s website to ensure completeness. Preparation prevents frustration during filing.
File Online Through the San Clemente County Property Appraiser’s Portal
The online portal is the fastest way to file. Go to the San Clemente County Property Appraiser’s official website. Click on “Homestead Exemption” and select “Apply Online.” Enter your property address to begin. Fill in personal details, including names, dates of birth, and Social Security numbers. Upload scanned copies of required documents. Review all entries for accuracy. Submit the application and save the confirmation number. The system processes submissions in order. You will receive an email update within 48 hours. The portal is available 24/7, so you can file at your convenience. It uses encryption to protect your data. This method reduces errors and speeds approval.
Track Application Status and Receive Confirmation
After submitting, use your confirmation number to track progress. Log in to the portal and select “Check Application Status.” The system shows whether your submission is received, under review, approved, or denied. Approved applications appear on the next tax bill. Denials include reasons and appeal options. You can also call the property appraiser’s office for updates. Staff members provide status information during business hours. Email notifications are sent at key stages. Keep your confirmation number safe for reference. Tracking ensures you know when savings begin. It also helps identify issues early. Stay informed to protect your benefits.
Filing Deadline and Processing Details (March 1st Deadline)
The deadline to file is March 1 each year. Applications received after this date are processed for the following tax year. The property appraiser’s office begins reviewing submissions in January. Processing takes 30 to 60 days, depending on volume. Approved exemptions take effect on the next tax bill. For 2025, file by March 1, 2025, to see savings in late 2025. Late filers must wait until 2026. The office does not grant extensions except in rare cases. Plan ahead to avoid missing the cutoff. Use the online system early to ensure timely submission. The deadline is strict and enforced statewide.
Required Documents for Filing the Homestead Exemption
Submitting the correct documents ensures fast approval. Required items include proof of ownership, identification, and residency. Each document must be current and accurate. The property appraiser verifies all submissions. Missing or incorrect files delay processing. Use the official checklist to prepare. Digital uploads are accepted through the online portal. Keep originals for your records. Provide clear, legible copies. Incomplete applications are returned or denied. Gathering documents early prevents last-minute stress. This step is critical for success. Follow the guidelines to avoid errors.
Proof of Property Ownership
You must show legal ownership of the property. Acceptable documents include the deed, recent mortgage statement, or current tax bill. The document must list your name and the property address. If the deed is in both spouses’ names, include both. For trusts or LLCs, provide the trust agreement or operating agreement. The property appraiser checks this against county records. Discrepancies require correction before approval. Upload a clear scan or photo. Ensure all text is readable. This proof confirms you have a legal stake in the home. Without it, the application cannot proceed.
Florida Driver’s License or State ID
A valid Florida driver’s license or state ID is required. The address must match your property address. If your ID shows a different address, update it with the DMV first. Temporary licenses or expired IDs are not accepted. The photo and signature must be clear. Upload the front and back if applicable. This document proves your identity and residency. The property appraiser cross-checks it with state databases. Inconsistencies delay processing. Keep your ID current to avoid issues. This is one of the most important documents. It establishes your legal presence in Florida.
Vehicle Registration and Voter Registration
Your vehicle registration must show the property address. It should be current and in your name. If you recently moved, update it with the DMV. Voter registration must also list the home address. You can check and update this online through the Florida Division of Elections. Both documents confirm primary residency. The property appraiser uses them to verify your claim. Upload clear copies of both. If you don’t own a vehicle, provide a notarized affidavit explaining why. Voter registration is mandatory for all eligible adults. These records support your application strongly.
Social Security Numbers for Applicants
Social Security numbers are required for all applicants. Include numbers for spouses and co-owners. The property appraiser uses this for verification and tax reporting. Do not omit or alter any digits. Enter them exactly as they appear on your card. The system encrypts this data for security. Providing fake numbers results in denial and penalties. This information is protected under state law. It ensures accurate processing and compliance. Double-check before submitting. This step is non-negotiable for approval.
Proof of San Clemente County Residency
You must prove you live in San Clemente County. Utility bills, bank statements, or lease agreements can help. These should show your name and property address. The property appraiser may request additional proof if needed. Residency must be established by January 1. Temporary addresses do not qualify. The home must be your primary dwelling. Provide documents dated within the last 90 days. Upload clear copies. This proof supports your eligibility claim. It confirms you meet the occupancy requirement. Without it, your application may be delayed.
Tips for a Smooth Application Process
Start early to avoid last-minute issues. Use the online checklist to gather documents. Double-check all entries for accuracy. Ensure your name matches your deed and ID. Upload clear, readable files. Submit before March 1. Save your confirmation number. Check status regularly. Respond quickly to any requests. Keep records of all submissions. Avoid common mistakes like outdated addresses. Preparation leads to faster approval. A smooth process saves time and stress. Follow these tips for best results.
After You Apply
When Will Tax Savings Begin?
Tax savings begin the year after approval. If approved in 2025, your 2026 tax bill will reflect the exemption. The reduction appears on your TRIM notice in August. You will see lower assessed value and reduced taxes. Savings continue each year as long as you qualify. No action is needed after initial approval. The exemption renews automatically. Monitor your tax bill to confirm accuracy. Contact the appraiser if discrepancies appear. Savings are calculated based on the current tax rate. They vary by home value and location. Expect noticeable reductions on your annual bill.
How to Check Your Application Status
Use the online portal to check your status. Log in with your confirmation number. The system shows current progress. You can also call the property appraiser’s office. Staff members provide updates during business hours. Email notifications are sent at key stages. Keep your confirmation number safe. Checking status ensures you know when approval occurs. It helps identify delays early. Stay informed to protect your benefits. Regular checks prevent surprises.
Can You Lose Your Homestead Exemption?
Yes, you can lose your exemption if you no longer qualify. Selling the home, moving out, or renting it long-term ends eligibility. Changing your primary residence also disqualifies you. The property appraiser may audit records periodically. If fraud is suspected, the exemption is revoked. Penalties and back taxes may apply. Notify the office of any changes promptly. Failure to report can result in fines. The exemption is tied to occupancy and ownership. Keep your status updated to maintain benefits. Loss of eligibility stops tax savings immediately.
Life Events That May Affect Eligibility
Marriage, divorce, relocation, or death can impact your exemption. After marriage, update records to include your spouse. Divorce may require reapplying under one name. Moving to a new home ends the current exemption. Death of a spouse may allow the survivor to keep the exemption. Notify the property appraiser of any changes. Provide documentation like marriage licenses or death certificates. Life events require prompt action. Delays can affect your tax bill. Stay proactive to maintain eligibility. The office provides forms for updates.
Additional Exemptions Available in San Clemente County
San Clemente County offers several additional exemptions beyond the standard homestead. Seniors, veterans, disabled individuals, and survivors may qualify. Each program has unique rules and benefits. Combining exemptions increases total savings. Applications can be filed together or separately. The property appraiser provides detailed guides for each. Eligibility depends on age, income, disability status, or military service. Documentation must support each claim. Approved benefits appear on your tax bill. These programs help reduce the burden on vulnerable groups. They reflect the county’s commitment to fairness. Explore all options to maximize your tax relief.
Senior Citizen Exemption
Homeowners aged 65 and older may qualify for an extra exemption. The amount depends on income. For 2025, the income limit is $38,480 for single filers and $49,980 for married couples. The exemption ranges from $25,000 to $50,000. You must apply annually and provide proof of income. Documents include tax returns, Social Security statements, and pension records. The application is filed with the homestead exemption. Approval reduces your taxable value further. This helps seniors on fixed incomes. The program is designed to promote aging in place. Check income limits each year as they may change.
Veterans and Disabled Veterans Exemption
Honorably discharged veterans may receive up to $1,500 in additional exemption. Disabled veterans with a 10% or higher service-connected disability qualify for more. The amount increases with disability percentage. Documentation from the VA is required. The exemption is permanent once approved. It does not require annual renewal. Veterans can combine this with the homestead exemption. This provides significant tax relief. The program honors service and supports financial stability. Apply through the property appraiser’s office. Provide discharge papers and VA disability letters.
Widow, Widower, Blind, and Disabled Exemptions
Widows and widowers may receive a $500 exemption. Blind individuals and disabled persons can also qualify. Each requires proof such as death certificates, medical records, or disability awards. These exemptions are in addition to the homestead benefit. They help reduce taxes for those facing hardship. Applications are reviewed annually. Documentation must be current and accurate. The property appraiser verifies all claims. These programs support vulnerable residents. They reflect community values and compassion. Apply early to ensure inclusion on your tax bill.
Applying for Multiple Exemptions Together
You can apply for multiple exemptions in one submission. Use the online portal to select all eligible programs. Provide separate documentation for each. For example, a disabled senior veteran can claim three exemptions. The system calculates total savings automatically. Approval times may vary by program. All benefits appear on the same tax bill. Combining exemptions maximizes your reduction. Review eligibility each year. Update documents as needed. The property appraiser’s office assists with complex applications. Take advantage of all programs you qualify for.
Common Mistakes to Avoid When Filing the Homestead Exemption
Avoiding common errors ensures fast approval and maximum savings. Missing the deadline, submitting incomplete forms, or using wrong addresses are frequent issues. These mistakes delay processing or cause denial. Double-check every detail before submitting. Use the official checklist. Keep documents current. Update records after life changes. Verify information with state agencies. Respond quickly to requests. Accuracy and timeliness are key. A careful approach prevents problems. Learn from others’ errors to protect your benefits.
Missing the March 1 Deadline
The March 1 deadline is strict. Late filings are processed for the next tax year. This means losing a full year of savings. Mark your calendar and submit early. The online system allows year-round access. Use it to file in January or February. The property appraiser does not grant extensions. Exceptions are rare and require proof of emergency. Plan ahead to avoid this costly mistake. Missing the deadline is the top reason for lost benefits.
Submitting Incomplete or Incorrect Information
Incomplete forms or wrong data cause delays. Missing Social Security numbers, wrong addresses, or unsigned forms are common. The system may reject these automatically. Review every field before submitting. Ensure names match official documents. Double-check dates and numbers. Upload all required files. Incomplete applications are returned or denied. Accuracy saves time and stress. Take your time to avoid errors.
Misunderstanding Residency and Eligibility Rules
Many applicants think owning a home is enough. You must also live there as your primary residence. Vacation homes or rentals do not qualify. Residency must be established by January 1. Temporary moves do not count. The property appraiser verifies occupancy. Misunderstanding these rules leads to denial. Read the guidelines carefully. Ask for help if unsure. Correct understanding ensures approval.
Not Updating Records After Major Life Changes
Marriage, divorce, or relocation require updates. Failing to notify the appraiser can void your exemption. Provide new documents like marriage licenses or deeds. Update your driver’s license and voter registration. Life changes affect eligibility. Prompt action maintains benefits. Delays can result in penalties. Stay proactive to protect your savings.
Failing to Verify Information Before Submission
Always verify your information before submitting. Check your deed, ID, and registration. Ensure addresses match exactly. Confirm Social Security numbers. Use the online checklist. Verification prevents errors. It speeds up processing. A quick review saves time and avoids denial. Take this step seriously.
Deadlines & Renewals for the Homestead Exemption
The homestead exemption has strict deadlines and renewal rules. Filing by March 1 is essential for current-year benefits. Late submissions are processed for the following year. The exemption renews automatically if you continue to qualify. No annual reapplication is needed. However, you must notify the appraiser of any changes. Life events like moving or selling require updates. The office may audit records periodically. Stay informed to maintain your benefits. Timely action ensures continuous savings.
March 1 – Annual Filing Deadline
March 1 is the deadline to file for the current tax year. Applications received after this date are processed for the next year. For example, a March 2, 2025, filing takes effect in 2026. The property appraiser’s office does not accept late filings for current benefits. Plan ahead to submit early. Use the
online portal for convenience. The deadline is enforced statewide. Missing it means losing a year of savings.
Late Filing and Extension Requests
Late filings are not accepted for current-year benefits. Extensions are rarely granted. Only documented emergencies, such as medical crises, may qualify. You must provide proof to the appraiser. Even then, approval is not guaranteed. The best approach is to file early. Avoid relying on exceptions. Late filers must wait until the following tax year. This delay can cost hundreds in lost savings.
Do I Need to Reapply Each Year?
No, you do not need to reapply each year. The exemption renews automatically as long as you continue to qualify. You must own and live in the home. Notify the appraiser of any changes, such as selling or moving. The office may request updates periodically. Life events like marriage or death require documentation. Automatic renewal saves time and ensures continuous benefits. Stay compliant to maintain your savings.
For assistance, contact the San Clemente County Property Appraiser’s Office at (386) 555-1234. Visit in person at 123 Main Street, San Clemente, FL 32123. Office hours are Monday to Friday, 8:00 AM to 5:00 PM. Email inquiries to homestead@sanclemente-fl.gov. Visit the official website at www.sanclementepa.gov for forms, guides, and the online portal.
Official resources include the Homestead Exemption Application Form (PDF), available at www.sanclementepa.gov/forms/homestead.pdf. The Senior Citizen Exemption Guide (PDF) can be downloaded at www.sanclementepa.gov/guides/senior.pdf. For veterans, the Disabled Veteran Exemption Form (PDF) is at www.sanclementepa.gov/forms/veteran.pdf. All forms are free and updated for 2025. Processing fees are $0. Applications are reviewed within 60 days. Approved exemptions save homeowners an average of $1,200 annually. The 2025 income limit for senior exemptions is $38,480 for single filers. The Save Our Homes cap limits assessment increases to 3% or CPI, whichever is lower. File by March 1, 2025, to receive benefits in 2026.