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Ferndale, Lake County, Florida Property Taxes

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Property Taxes in Ferndale, Florida

  • Median Ferndale, Florida effective property tax rate: 0.93%, significantly lower than the national median of 1.02%, and lower than the Florida state median of 1.10%.

  • Median Ferndale, Florida home value: $292,420

  • Median annual Ferndale, Florida tax bill: $2,746, $346 higher than the national median property tax bill of $2,400.

How are property taxes in Lake calculated?

Property taxes in Ferndale, Florida are calculated based on the tax assessed value, which is often lower than the actual market value due to property tax exemptions such as the homestead or senior exemption.

Understanding Ferndale's property tax system, exemptions, and reduction opportunities can lead to significant savings. Regardless of where you live in Ferndale, knowing local tax details benefits homeowners and investors.

Last Updated April 13, 2026

Ferndale, Lake County, Florida Property Tax Bill Calculator

$100,000

$1,500,000

$3,000,000

Median Effective Tax Rate

0.93%

Estimate Property Tax Bill

$2,720

$2,524

SAVE WITH OWNWELL

$774

Average Annual Tax Savings

How Does the Ferndale Property Tax Calculator Work?

Use this Ferndale property tax calculator to estimate your annual tax bill. Enter your property's assessed value and our calculator applies Ferndale's median effective tax rate of 0.93% — based on actual property records in Lake County — to generate your estimate.

Enter your property's estimated assessed value — the figure the local appraisal district uses to calculate your bill, which reflects any exemptions you hold and is typically lower than your home's market value. Our calculator applies Ferndale's median effective rate across all local levies, providing a more accurate estimate than applying a single county millage rate.

Your bill may vary by ZIP code within Ferndale, but the available data shows the same median property tax bill of $2,746 in 34729. That is lower than Florida's median tax bill by $346 and lower than the state median tax rate of 1.10%.

If your estimate is higher than expected, Ownwell can appeal your Ferndale assessment — you only pay if we save you money.

About Ferndale Property Taxes

About Property Taxes in Ferndale, Lake, Florida

Ferndale’s median effective property tax rate of 0.93% is lower than the Florida state median of 1.10% and lower than the national median of 1.02%. This rate reflects the Lake County base levy combined with local school district levies and Municipal Service Benefit Units (MSBUs) that vary by subdivision throughout the city.

Property tax rates are not uniform across Ferndale. Homeowners in the 34729 ZIP code carry a median effective rate of 0.93%, while those in the same ZIP code pay 0.93%. This spread — 0.00 percentage points across the same city — reflects how school district boundaries and local assessment districts are drawn across Lake County. Understanding which part of Ferndale you live in can make a meaningful difference to your annual tax bill.

Ferndale homeowners who believe their assessed value is too high can file a formal appeal with the local Property Appraiser before the September 15, 2026 deadline each year.

If your estimated bill above seems higher than expected, Ownwell can review your assessment and protest on your behalf. You only pay if we save you money.

Property Tax Rates Across Ferndale, Lake County, Florida

As noted earlier, local government entities set tax rates, which can vary widely within a state.

Why? Because annually, each county estimates its required budget to provide services and divides that by the total value of all taxable property within its jurisdiction. This calculation results in the property tax rate.

While there are votes and laws involved in setting tax rates and budgets, in a nutshell, this is the annual process.

Below, you can compare Ferndale's effective property tax rate to other cities in Florida and the median property tax rates in Florida and the U.S.

Property Tax Rates Across Ferndale, Lake County, Florida

Source: Ownwell

0.47%

0.99%

1.51%

Our median effective property tax rate (tax bill ÷ assessor's market value) accounts for exemptions and deductions, making it more accurate than the general median tax rate, which is the midpoint of statutory rates before adjustments.

Median Effective Ferndale Tax Rate

0.93%

Our median effective property tax rate (tax bill ÷ assessor's market value) accounts for exemptions and deductions, making it more accurate than the general median tax rate, which is the midpoint of statutory rates before adjustments.

Median Effective Lake County Tax Rate

0.97%

Median Effective Florida Tax Rate

1.10%

Median Effective United States Tax Rate

1.02%

Property Tax Rates Across Ferndale, Lake County, Florida

Zip10th Percentile25th PercentileMedian Tax Rate75th Percentile90th Percentile
347290.62%0.65%0.93%1.16%1.45%

Source: Ownwell

Property Tax Assessment Values Across Ferndale, Lake County, Florida

When examining property taxes in Ferndale, Florida, understanding the distinction between "market value" and "assessed value" is crucial.

The market value is what a willing buyer would pay to a willing seller in an open and competitive market, often influenced by location, property condition, and economic market trends. The Lake County property appraiser estimates the market value for tax purposes.

The assessed value is the market value minus any applicable exemptions or limits determined by local laws and offerings. The tax assessed value is the figure used to calculate your property taxes or the amount multiplied by your tax rate to get your tax bill.

Assessment notices:

In Lake County, assessment notices are sent in August each year. They'll typically reach your mailbox by the middle of August.

Each property owner receives an assessment notice that contains both the market value and assessed value, along with an estimate of your property tax bill. By providing insights into how assessed and market values are determined, this section helps property owners navigate their tax responsibilities and understand the valuation processes affecting their property taxes in Ferndale.

For example, the median home price in Ferndale is $292,420, with tax bills ranging significantly across the county. 34729 has the highest median home price at $292,420.

Property Tax Assessment Values Across Ferndale, Lake County, Florida

Source: Ownwell

$77,762

$722,411

$1,367,060

Median Ferndale Market Value

$292,420

Median Lake County Market Value

$298,900

Median Florida Market Value

$310,033

Median United States Market Value

$235,294

Property Tax Assessment Values Across Ferndale, Lake County, Florida

Zip10th Percentile25th PercentileMedian Home Price75th Percentile90th Percentile
34729$159,792$189,447$292,420$434,921$470,353

Source: Ownwell

Property Tax Bills Across Ferndale, Lake County, Florida

Property tax bills in Ferndale are based on the assessed value of a home and the local tax rate set for Lake County. When a property’s market value rises, the assessed value can increase too, which can lead to a higher tax bill. For many homeowners, that means paying more even when nothing about the home has changed.

In Ferndale, the median home price is $292,420, and the median property tax bill is $2,746, which is above the national median property tax bill of $2,400. Bills can vary widely, with the 25th percentile at $2,333 and the 75th percentile at $4,182.

Ownwell helps homeowners lower property tax bills by reviewing assessments, identifying overvaluation, and filing appeals when appropriate. If your home is taxed above its fair assessed value, Ownwell can help you challenge it and potentially save money year after year.

Property Tax Bills Across Ferndale, Lake County, Florida

Source: Ownwell

$1,012

$4,031

$7,050

Median Ferndale Tax Bill

$2,746

Median Lake County Tax Bill

$2,584

Median Florida Tax Bill

$3,263

Median United States Tax Bill

$2,400

Property Tax Bills Across Ferndale, Lake County, Florida

Zip10th Percentile25th PercentileMedian Tax Bill75th Percentile90th Percentile
34729$1,188$2,333$2,746$4,182$5,330

Source: Ownwell

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Frequently Asked Property Tax Questions in Ferndale, Florida

How are property taxes calculated in Ferndale, Florida?
Property taxes in Ferndale, Florida are calculated by multiplying your property's assessed value by the applicable tax rate set by local taxing authorities. The assessed value is determined by the county assessor and may differ from your property's market value depending on local assessment ratios and exemptions.
How do I appeal my property taxes in Ferndale, Florida?
To appeal your property taxes in Ferndale, Florida, you typically need to file a formal protest or appeal with your local appraisal district or assessor's office by the stated deadline. You'll need evidence such as comparable sales, a recent independent appraisal, or documentation of property condition issues. Ownwell can handle this entire process for you.
What property tax exemptions are available in Ferndale, Florida?
Common property tax exemptions in Ferndale, Florida include homestead exemptions for primary residences, senior citizen exemptions, veteran exemptions, and disability exemptions. Exemption amounts and eligibility requirements vary by county. Contact your local appraisal district or check Ownwell for details specific to your property.
When are property taxes due in Ferndale, Florida?
Property tax deadlines in Ferndale, Florida vary by county but typically include an assessment notice period in spring or early summer, followed by an appeal deadline, and a tax payment due date in the fall or winter. Check with your county assessor's office for specific dates in your area.
How can Ownwell help reduce my property taxes in Ferndale, Florida?
Ownwell provides professional property tax appeal services in Ferndale, Florida. Our team analyzes your assessment, gathers evidence, files all paperwork, and represents you at hearings — all with no upfront cost. You only pay a percentage of your savings if we successfully lower your tax bill.