Property Reappraisals & Your Mortgage Payment

Counties in our area have recently completed property reappraisals. As a result, your annual property taxes may change.

If your property taxes and homeowners insurance are included in your monthly mortgage payment (escrowed), your payment is based on the most recent amounts we have on file. Any increase in taxes or insurance may not be reflected in your payment until we receive updated information, typically when tax bills are issued later this fall.

 

If your property taxes increase:

• Your current escrow balance may not fully cover the new tax amount.
• This could result in an escrow shortage.
• You will be responsible for any shortage once the final tax bill is received and your escrow is analyzed.

Want to Plan Ahead?

You may make voluntary deposits to your escrow account now through December 1, 2026 to help prepare for a potential increase.

Deposits can be made:

• Through digital banking (online or mobile)
• At any branch
• By phone

If your escrow account has an overage after your annual analysis (completed in January 2027), any remaining funds will be refunded to your savings account.

 

For questions about your reappraised property value, the appeal process, or local information sessions, please contact your county tax office directly.