Florida Property Tax 4% Discount Starts in November for Duval, St. Johns, Clay and Nassau

Florida property tax bills are arriving around Nov. 1, 2026, and homeowners in Duval, St. Johns, Clay and Nassau counties can receive a 4% discount by paying in November. The discount drops to 3% in December, 2% in January and 1% in February before disappearing in March. All four county tax collectors list April 1 as the date unpaid property taxes become delinquent.

St. Johns County lists Oct. 31 as its mailing date, while Clay County says bills are mailed by Nov. 1 and Nassau County says notices normally go out on or before that date. Duval County says bills are mailed in November but has not posted an exact 2026 mailing date. Property owners can use their county tax collector's website or contact the office for payment information.

Florida property tax discount calendar for 2026

Florida law establishes a declining discount schedule for property taxes paid early. The discount generally applies during the listed month or within 30 days after the original notice is sent, as provided by state law. The four Northeast Florida tax collectors publish the same monthly percentages.

The November discount period ends Nov. 30, 2026, which falls on a Monday. Florida law extends a discount deadline when its last day falls on a Saturday, Sunday or legal holiday, subject to the statute's delivery requirements. That extension does not apply to Nov. 30 this year.

Property taxes become delinquent April 1 following the assessment year, or 60 days after mailing of the original notice, whichever is later under state law. St. Johns County says delinquent accounts face 3% interest plus advertising charges. Clay County lists a 3% penalty beginning April 1 and additional fees starting May 1.

How to pay property taxes in Duval County

The Duval County Tax Collector provides online payment options at taxcollector.jacksonville.gov, with its property tax payment portal at duval.county-taxes.com/public. Online e-check payments carry no processing fee for eligible current taxes, while credit cards, Google Pay and PayPal carry a 2.75% fee or $2.75 minimum. The payment processor collects that fee, not the city or Tax Collector.

The main office is at 231 E. Forsyth Street, Jacksonville, FL 32202, with regular hours Monday through Friday from 8:30 a.m. to 4:30 p.m. The Ed Ball Permitting Branch operates from 7 a.m. to 4 p.m., and other branches include Mandarin, Neptune Beach, North Main Street, Roosevelt, Soutel, St. Johns Square and Westside. Property tax questions can be directed to (904) 255-5700, option 4.

Duval's previously published mailing instructions list P.O. Box 44009, Jacksonville, FL 32231-4009, with checks payable to the Duval County Tax Collector. Those instructions appeared in a 2024 notice, so residents planning to mail payments should confirm the address with the Tax Collector.

How to pay property taxes in St. Johns County

St. Johns County property owners can search records and pay through stjohnstax.us. The Tax Collector's website does not list online processing fee amounts and directs residents to call (904) 209-2250 for details. The office also accepts payments at its four locations.

The main office is at 4030 Lewis Speedway, St. Augustine, FL 32084, open Monday through Friday from 8:30 a.m. to 5 p.m. The Dupont Center at 6658 US1 South, Julington Creek at 725 Flora Branch Blvd. and Ponte Vedra office at 151 Sawgrass Corners Drive, Suite 100, operate from 8:30 a.m. to 4:30 p.m. Each location has a payment drop box, with deposited payments processed the next business day.

Mailed payments go to St. Johns County Tax Collector, P.O. Box 9001, St. Augustine, FL 32085-9001. Overnight payments can be directed to 4030 Lewis Speedway, St. Augustine, FL 32084. The office lists March 31 as the full-payment deadline before delinquency begins April 1.

How to pay property taxes in Clay County

Clay County offers online property tax payments through county-taxes.net/fl-clay and provides in-person service at four branches. Credit card payments carry a 2.50% fee, with a $2.50 minimum for in-person card transactions, while the county's due-dates page lists e-check payments without a fee. Mailed payments receive discounts based on their postmark dates.

Tax payments can be mailed to P.O. Box 218, Green Cove Springs, FL 32043, payable to Diane Hutchings, Clay County Tax Collector. The Green Cove Springs office is at 477 Houston St., while additional branches operate at 518 Kingsley Ave. in Orange Park, 2710 Blanding Blvd., Suite 201, in Middleburg and 115 NE Commercial Circle in Keystone Heights. Property tax assistance is available at (904) 269-6395.

Lobby hours are 8 a.m. to 5 p.m. Monday, Tuesday, Thursday and Friday, and 9 a.m. to 5 p.m. Wednesday. Green Cove Springs has a drive-through and drop-off lockers, while Orange Park offers 24-hour locker drop-off. The county lists no drop-off lockers at its Middleburg or Keystone Heights branches.

How to pay property taxes in Nassau County

Nassau County property owners can access the Tax Collector's website at nassautaxes.com and follow its property tax search and payment links. The office's website does not list online processing fees. Residents can call (904) 491-7400 for payment assistance.

Payments by mail go to John M. Drew, CFC, Nassau County Tax Collector, 86130 License Road, Suite 3, Fernandina Beach, FL 32034. The main office at that address and the Callahan office at 450077 State Road 200, Suite 13, operate Monday through Friday from 8 a.m. to 5 p.m. The Historic Courthouse office at 416 Centre St. operates from 8:30 a.m. to 5 p.m.

The Hilliard office at 15885 County Road 108 has different hours, operating Monday through Thursday from 9 a.m. to noon and 1 to 4 p.m. Friday hours are 9 a.m. to noon and 1 to 5 p.m. Nassau County accepts postmark dates for current-year mailed tax payments.

What to do if your property tax bill never arrives

Not receiving a tax bill does not eliminate the responsibility to pay property taxes. Duval, St. Johns and Clay counties explicitly state that owners remain responsible even without receiving a notice. Nassau County advises property owners to print a bill from its website or contact the office to request a mailed copy.

Duval County property owners needing an address correction can contact the Property Appraiser through coj.net/pa or [email protected]. St. Johns County residents can call (904) 209-2250, while Clay County residents can call (904) 269-6395. Nassau County's property tax office can be reached at (904) 491-7400.

What if your mortgage company pays through escrow

Homeowners whose mortgage companies pay property taxes through escrow may receive an informational copy rather than a bill requiring direct payment. St. Johns County says mortgage companies request and pay the bills, with homeowners receiving copies marked "THIS IS NOT A BILL - DO NOT PAY." Clay County similarly provides information-only copies to owners whose mortgage companies pay their taxes.

Nassau County says mortgage companies request tax bills and must pay within the 4% discount window. Property owners receive information-only copies, although someone who receives such a notice after paying off a mortgage can pay the taxes directly. Duval County's published partial-payment rules exclude escrow-paid accounts, but its pages do not give equivalent general instructions for escrow homeowners.

Installment plans and partial payments

All four counties offer installment plans for property owners with estimated taxes exceeding $100. Applications generally must be submitted by April 30 for the tax year being prepaid, with Nassau County accepting applications from Nov. 1 through April 30 for the next tax year. The installment schedule includes June, September, December and March payments, with discounts of 6%, 4.5%, 3% and none, respectively.

Partial payments operate differently because they allow property owners to pay current-year taxes in portions between Nov. 1 and March 31. Duval and Clay counties require arrangements through their offices rather than online, and Nassau County directs residents to call (904) 491-7420 or email [email protected]. All three counties state that partial payments forfeit early-payment discounts, while St. Johns County's website does not describe a partial-payment program.

Duval and Nassau also exclude mortgage escrow and installment-plan accounts from partial-payment arrangements. Duval requires a signed affidavit, while Clay allows applications by mail with the first payment or in person. Owners considering partial payments should account for losing the November discount even when making payments during the discount period.

Tax collector offices closed Nov. 26 and 27

Tax collector offices in Duval, St. Johns, Clay and Nassau counties list Thursday, Nov. 26, and Friday, Nov. 27, 2026, as Thanksgiving holiday closures. Those closures come shortly before the November discount period ends. The Duval, St. Johns and Nassau offices also list Veterans Day, Wednesday, Nov. 11, as a holiday.

Residents planning an in-person November payment should consider the published office schedules and closures. Clay County specifies that mailed-payment discounts are determined by postmark, while Nassau County also applies postmark dates to current-year payments. November remains the month offering the largest regular early-payment discount, at 4%.

For a step-by-step guide to reading a Duval bill, see Duval County Property Taxes 2026: 8 Steps to Read Your Bill, Get Discounts and Save Money. Clay County homeowners can also read Clay County Homestead Exemption: 11 Answers Before the March 1, 2027 Deadline.