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SB0286 • 2026

Assessment of Changes, Additions, or Improvements to Homestead Properties

Assessment of Changes, Additions, or Improvements to Homestead Properties

Taxes
Passed Legislature

This bill passed both chambers and reached final enrollment, even if later executive action is not shown here.

Sponsor
Bernard
Last action
2026-03-13
Official status
Senate - Died in Finance and Tax
Effective date
2026-07-01

Plain English Breakdown

The bill text does not provide specific details on enforcement or monitoring mechanisms.

Assessment of Changes to Homestead Properties

This bill changes how Florida assesses the value of improvements made to homestead properties.

What This Bill Does

  • Changes how new additions or improvements to a home are valued for tax purposes.
  • Sets rules on when and how much an improvement must be taxed if it costs less than $100,000.
  • Explains how homes damaged by disasters should be reassessed after repairs.

Who It Names or Affects

  • Homeowners who make changes or improvements to their property.
  • People whose homes are damaged and need repairs.
  • Tax assessors responsible for evaluating property values.

Terms To Know

Homestead Property
A home that is protected from creditors and has special tax benefits in Florida.
Just Value
The fair market value of a property used for tax assessment purposes.

Limits and Unknowns

  • It does not specify how the bill will be enforced or monitored.
  • Details on how to apply for homestead exemption after damage are unclear.
  • Does not address situations where improvements exceed $100,000 in value.

Bill History

  1. 2026-03-13 Senate

    • Died in Finance and Tax

  2. 2026-01-13 Senate

    • Introduced

  3. 2025-11-17 Senate

    • Referred to Finance and Tax; Appropriations; Rules

  4. 2025-10-23 Senate

    • Filed

Official Summary Text

Assessment of Changes, Additions, or Improvements to Homestead Properties; Revising the manner of assessing the value of changes, additions, or improvements to homestead property, etc.

Current Bill Text

Read the full stored bill text
Florida Senate
-
2026

SB 286

By
Senator Bernard

24-00661-26 2026286__
1 A bill to be entitled
2 An act relating to the assessment of changes,
3 additions, or improvements to homestead properties;
4 amending s. 193.155, F.S.; revising the manner of
5 assessing the value of changes, additions, or
6 improvements to homestead property; providing an
7 effective date.
8
9 Be It Enacted by the Legislature of the State of Florida:
10
11 Section 1. Paragraphs (a), (b), and (c) of subsection (4)
12 of section 193.155, Florida Statutes, are amended to read:
13 193.155 Homestead assessments.—Homestead property shall be
14 assessed at just value as of January 1, 1994. Property receiving
15 the homestead exemption after January 1, 1994, shall be assessed
16 at just value as of January 1 of the year in which the property
17 receives the exemption unless the provisions of subsection (8)
18 apply.
19 (4)(a) Except as provided in paragraph (b)
and s. 193.624
,
20 changes, additions, or improvements to homestead property shall
21 be assessed at just value as of the first January 1 after the
22 changes, additions, or improvements are substantially completed.
23 (b)
If the total just value of changes, additions, or

24
improvements to a homestead property is less than $100,000, the

25
assessment of the added value must be calculated by multiplying:

26
1.

The percentage obtained by dividing the property’s

27
assessed value as of January 1 immediately before the change,

28
addition, or improvement, by the property’s just value as of

29
that same date; and

30
2.

The just value of the change, addition, or improvement.

31
(c) Paragraph (b) does not apply to changes, additions, or

32
improvements that
replace
all or a substantial portion of the

33
property
or that increase the total square footage of the

34
property by more than 25 percent.

35
1. Changes, additions, or improvements that replace all or

36
a portion of homestead property, including ancillary

37
improvements, damaged or destroyed by misfortune or calamity

38
shall be assessed upon substantial completion as provided in

39
this paragraph. Such assessment must be calculated using the

40
homestead property’s assessed value as of the January 1

41
immediately before the date on which the damage or destruction

42
was sustained, subject to the assessment limitations in

43
subsections (1) and (2), when:

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a. The square footage of the homestead property as changed

45
or improved does not exceed 130 percent of the square footage of

46
the homestead property before the damage or destruction; or

47
b. The total square footage of the homestead property as

48
changed or improved does not exceed 2,000 square feet.

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2. The homestead property’s assessed value must be

50
increased by the just value of that portion of the changed or

51
improved homestead property which is in excess of 130 percent of

52
the square footage of the homestead property before the damage

53
or destruction or of that portion exceeding 2,000 square feet.

54
3. Homestead property damaged or destroyed by misfortune or

55
calamity which, after being changed or improved, has a square

56
footage of less than 100 percent of the homestead property’s

57
total square footage before the damage or destruction shall be

58
assessed pursuant to subsection (5).

59
4. Changes, additions, or improvements assessed pursuant to

60
this paragraph must be reassessed pursuant to subsection (1) in

61
subsequent years. This paragraph applies to changes, additions,

62
or improvements commenced within 5 years after the January 1

63
following the damage or destruction of the homestead.

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(c) Changes, additions, or improvements that replace all or

65
a portion of real property that was damaged or destroyed by

66
misfortune or calamity shall be assessed upon substantial

67
completion as if such damage or destruction had not occurred and

68
in accordance with paragraph (b) if the owner of such property:

69
1. Was permanently residing on such property when the

70
damage or destruction occurred;

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2. Was not entitled to receive homestead exemption on such

72
property as of January 1 of that year; and

73
3. Applies for and receives homestead exemption on such

74
property the following year.

75 Section 2. This act shall take effect July 1, 2026.