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Winter Garden, Lake County, Florida Property Taxes

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Property Taxes in Winter Garden, Florida

  • Median Winter Garden, Florida effective property tax rate: 0.70%, significantly lower than the national median of 1.02%, and lower than the Florida state median of 1.10%.

  • Median Winter Garden, Florida home value: $584,464

  • Median annual Winter Garden, Florida tax bill: $3,808, $1,408 higher than the national median property tax bill of $2,400.

How are property taxes in Lake calculated?

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

Last Updated April 13, 2026

Winter Garden, Lake County, Florida Property Tax Bill Calculator

$100,000

$1,500,000

$3,000,000

Median Effective Tax Rate

0.7%

Estimate Property Tax Bill

$4,091

$3,797

SAVE WITH OWNWELL

$774

Average Annual Tax Savings

How Does the Winter Garden Property Tax Calculator Work?

Use this Winter Garden property tax calculator to estimate your annual tax bill. Enter your property's assessed value and our calculator applies Winter Garden's median effective tax rate of 0.70% — 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 Winter Garden'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 Winter Garden: rates range from 0.70% in 34787 to 0.70% in 34787, primarily due to differences in school district levies and local assessment districts. Winter Garden's median property tax bill is $3,808, which is $1,408 higher than the Florida median and higher than the national median property tax bill of $2,400.

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

About Winter Garden Property Taxes

About Property Taxes in Winter Garden, Lake, Florida

Winter Garden's median effective property tax rate of 0.70% 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 Winter Garden. Homeowners in the 34787 ZIP code carry a median effective rate of 0.70%, while those in the same ZIP code pay 0.70%. This spread reflects how school district boundaries and local assessment districts are drawn across Lake County. Understanding which part of Winter Garden you live in can make a meaningful difference to your annual tax bill.

Winter Garden homeowners who believe their assessed value is too high can file a formal appeal with the 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 Winter Garden, 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 Winter Garden'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 Winter Garden, 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 Winter Garden Tax Rate

0.70%

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 Winter Garden, Lake County, Florida

Zip10th Percentile25th PercentileMedian Tax Rate75th Percentile90th Percentile
347870.19%0.24%0.70%0.96%1.17%

Source: Ownwell

Property Tax Assessment Values Across Winter Garden, Lake County, Florida

When examining property taxes in Winter Garden, 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 Winter Garden.

For example, the median home price in Winter Garden is $584,464, with tax bills ranging significantly across the county. 34787 has the highest median home price at $584,464.

Property Tax Assessment Values Across Winter Garden, Lake County, Florida

Source: Ownwell

$77,762

$722,411

$1,367,060

Median Winter Garden Market Value

$584,464

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 Winter Garden, Lake County, Florida

Zip10th Percentile25th PercentileMedian Home Price75th Percentile90th Percentile
34787$307,291$484,363$584,464$811,752$976,812

Source: Ownwell

Property Tax Bills Across Winter Garden, Lake County, Florida

Property tax bills in Winter Garden are calculated by applying the local tax rate to a home’s assessed value, which is based on the market value of the property. For homeowners in Lake County, that means a higher assessed value can lead to a higher tax bill, while a lower assessed value may reduce what is owed. With a median home price of $584,464, property taxes can have a meaningful impact on monthly housing costs and long-term affordability.

The tax bill homeowners receive depends on the assessed value, local tax rates, and any exemptions they qualify for. In Winter Garden, the median tax bill is $3,808, which is higher than the national median property tax bill of $2,400. Bills can vary widely, with the 25th percentile at $1,262 and the 75th percentile at $5,971.

Ownwell helps homeowners save by reviewing assessments, identifying savings opportunities, and handling the appeal process to help reduce property tax bills.

Property Tax Bills Across Winter Garden, Lake County, Florida

Source: Ownwell

$1,012

$4,031

$7,050

Median Winter Garden Tax Bill

$3,808

Median Lake County Tax Bill

$2,584

Median Florida Tax Bill

$3,263

Median United States Tax Bill

$2,400

Property Tax Bills Across Winter Garden, Lake County, Florida

Zip10th Percentile25th PercentileMedian Tax Bill75th Percentile90th Percentile
34787$1,186$1,262$3,808$5,971$9,547

Source: Ownwell

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Frequently Asked Property Tax Questions in Winter Garden, Florida

How are property taxes calculated in Winter Garden, Florida?
Property taxes in Winter Garden, 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 Winter Garden, Florida?
To appeal your property taxes in Winter Garden, 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 Winter Garden, Florida?
Common property tax exemptions in Winter Garden, 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 Winter Garden, Florida?
Property tax deadlines in Winter Garden, 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 Winter Garden, Florida?
Ownwell provides professional property tax appeal services in Winter Garden, 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.