Abode Money × Kin

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Florida book screen · June 2026

Your policyholders are overpaying property tax. We can win it back.

We matched 4,105 Kin properties (current customers and lost leads) against 2025 county tax-assessor records to find homes assessed at or above their market value. 1,541 of them are over-assessed, and Kin can put those savings in front of homeowners.

$388
average dollars saved per home each year, pending a full per-home estimate
41%
of homes show savings potential (1,541 of 3,802)
1,541
homeowners Kin can help appeal · 858 customers, 683 lost leads
The opportunity at a glance

An analysis of Kin's Florida book turns up 1,541 strong appeal candidates.

A property is flagged when its assessed (taxable) value is more than 90% of its market value. There's little cushion left, so a successful market-value appeal could reduce the tax bill. These are screening-level candidates. Actual savings depend on a full estimate and the county's decision.

4,105
Florida properties screened
92.6%
Matched to assessor records (3,802)
1,541
Protestable, 41% of matched homes
$388
Average bill savings per home / yr
Where an appeal stops making sense

Homes assessed at or near full value are where we find savings.

Every home is sorted by its assessment-to-market ratio (assessed value ÷ market value). A home down at 0.50 is taxed on only half of what it's worth: it's already a great deal, so there's nothing to win by appealing. As the ratio climbs toward 1.0 that gap closes. We only file once a home reaches 0.90, where it's assessed close enough to full value that a reduction is worth pursuing. Everything from 0.90 up is a candidate; the tall cluster on the right is assessed at or above full market value.

Already under-assessed (no appeal to file) Candidate (ratio ≥ 0.90)
1,541 homes sit at ratio ≥ 0.90
Save Our Homes is a Florida constitutional provision that caps annual increases in a homestead's assessed value at 3% (or inflation, whichever is lower) for as long as you own it. Long-held homes sit well below market as a result, leaving no gap to appeal. We focus on the homes where that gap has closed.
Two ways in

Current customers and lost leads each hold sizable savings.

Both segments screen similarly, and the average saving per protestable home is comparable across the two.

Current customers

Warmest, lowest-friction outreach. Start here.

858
protestable homes · 44% of 1,962 matched
Avg. dollars saved per home$403
Median assessment ratioAssessed value ÷ market value. Closer to 1.0 means less cushion and a stronger appeal case.0.79

Lost leads

A concrete, savings-led reason to come back.

683
protestable homes · 37% of 1,840 matched
Avg. dollars saved per home$368
Median assessment ratioAssessed value ÷ market value. Closer to 1.0 means less cushion and a stronger appeal case.0.69
Savings model

How we get to $388 a home.

A conservative, screening-level estimate, not a guarantee. Actual results depend on county evidence and hearing outcomes.

Estimated savings per home
$388
midpoint across all 1,541 flagged homes
Low $258Midpoint $388High $517
How each home's saving is calculated
1Take a 5–10% market-value reduction (7.5% midpoint), a realistic outcome for an over-assessed home.
2Multiply by the home's own effective tax rate (tax billed ÷ market value; median 1.04%, capped at 2.5% to exclude outliers).
3Where a home has no tax bill on file, use the median rate.
=On average, that works out to about a 7% lower tax bill on each flagged home.
Where it concentrates

A handful of counties carry most of the opportunity.

Volume clusters in the I-4 corridor and the coasts. Switch the view to compare where appeals are most common and where each home saves the most.

County breakdown

62 of Florida's 67 counties.

Sorted by protestable count. Click any header to re-sort. The other 5 counties have no matched properties in Kin's book.

County Matched Protestable % Prot. Customers Lost leads Saved on their bill
Recommended next step

Co-branded outreach, starting with the warmest list.

The approach

Once 2026 assessment data is available, Abode runs full comparative market analyses on the flagged homes to produce real, per-home savings estimates and prioritize the strongest cases, with Kin co-branding the outreach to homeowners.

858
Start with current customers. The warmest, lowest-friction list.
683
Re-engage lost leads with a concrete savings reason to come back.
Aug
Re-screen at TRIM notices. 2026 assessments post in August; file ahead of September deadlines.
303
Recover the unmatched (7%) with a parcel-number or manual pass to lift coverage.
Methodology & caveats

How the screen works.

Matching

Addresses matched to ATTOM assessor parcels on ZIP + house number + street name, with suffix, directionals, unit and city used to rank candidates. 92.6% matched (3,802 of 4,105); the rest show as “No match.”

Protestable test

Assessed ÷ market (just) value > 0.90. In Florida, homesteaded values are capped by Save Our Homes; when assessed sits near market there's no cap cushion, so a won appeal directly reduces the taxable base.

Savings estimate

5–10% market-value reduction (7.5% midpoint) × each property's own effective tax rate (median 1.04%, capped at 2.5%). Screening-level estimates, not guarantees.

Data vintage

County rolls are mostly 2025 tax year (some 2024 / early 2026). Florida's 2026 TRIM assessments arrive in August. Re-screen then and file ahead of September deadlines.