Reading MUD Taxes in the Lake Houston Area

Most pages about MUD taxes in this area are written by someone who wants the number to feel small. They lead with the idea that the rate comes down over time, mention that you get newer infrastructure, and move on. The number does usually come down. That is a true sentence doing a lot of work it was not asked to do.

This page is the other kind. It goes to the statute for what a district is and what a seller owes you, and to the county for what the districts around here actually charge. Where the two disagree with the received wisdom, the primary source wins.

How this page is sourced, and why that matters

I moved to this area recently. I bought a house here under current conditions, with my own money, which puts me in the same position as anyone reading this. What I do not have is twenty years of watching these districts issue and retire bonds, so I am not going to write as though I do.

Instead I went to the Texas Water Code for the rules and to Harris County for the numbers, and I have linked both so you can check any line of this yourself. Every rate figure below was computed from the county's own Truth in Taxation table on the date in the sources block, and I have said how it was computed rather than asking you to take the arithmetic on faith.

That is the whole basis for this page. A guide built from published records can be checked line by line. It can also say where those records run out, which is the part that turns out to matter most here.

What a MUD is, in the words of the statute

A municipal utility district is a unit of local government. Chapter 54 of the Texas Water Code lists the purposes a district is created for, and the first one is the control, storage, preservation, and distribution of storm water and floodwater. Water, sewer, and drainage are the core of it. Many districts also finance roads and parks.

The part that matters to a buyer is how the district pays for any of that. Section 54.503 lets a board pay bond principal and interest "from the levy and collection of ad valorem taxes on all taxable property within the district." Section 54.601 then removes the discretion:

At the time bonds payable in whole or in part from taxes are issued, the board shall levy a continuing direct annual ad valorem tax for each year while all or part of the bonds are outstanding on all taxable property within the district in sufficient amount to pay the interest on the bonds as it becomes due and to create a sinking fund for the payment of the principal of the bonds when due.

Read that clause about timing again, because it answers a question people ask constantly. The tax continues while the bonds are outstanding. It is not a fee the board revisits each year out of goodwill, and it does not end because a neighborhood finished building.

The sentence the state makes a seller hand you

Texas requires a seller of property inside one of these districts to give the buyer a written notice before a binding contract is signed. Section 49.452 sets that requirement, and Section 49.4521 prescribes what the notice has to say. The notice carries a caption in at least 24-point bold type reading "NOTICE TO PURCHASER OF SPECIAL TAXING OR ASSESSMENT DISTRICT."

Inside that notice is a sentence the legislature wrote, that a seller has to hand you, and that almost never makes it into a listing description:

The cost of district facilities is not included in the purchase price of your property.

That is the state of Texas telling you, in a form you have to sign, that the price on the sign does not cover the pipes. The district borrowed to put them in, and you are going to pay that back through an annual tax for as long as those bonds are outstanding. Nothing about that is hidden or improper. It is the financing model working exactly as designed, and it is disclosed by statute precisely because the purchase price does not reveal it.

The same section requires the notice to say that the district "may, subject to voter approval, impose taxes and issue bonds" and that it "may impose an unlimited rate of tax in payment of such bonds." The word doing the work there is unlimited. There is no statutory ceiling on the rate a district may levy to service voter-approved bonds.

What the notice has to say, exactly

Section 49.4521 is worth reading in full before you sign one, because it lists what the district has to fill in. Along with the current rate of the district property tax on each $100 of assessed valuation, the notice must state the total amount of bonds approved by the voters, broken out for water, sewer, and drainage facilities, for road facilities, and for parks and recreational facilities. It must also state the aggregate initial principal amount of all such bonds already issued.

Those two figures together are the ones almost nobody looks at. Bonds authorized tells you how much borrowing the voters have already approved. Bonds issued tells you how much of that has actually been borrowed. The gap between them is future borrowing that is already cleared to happen without another election.

The notice closes with a warning in capital letters:

PURCHASER IS ADVISED THAT THE INFORMATION SHOWN ON THIS FORM IS SUBJECT TO CHANGE BY THE DISTRICT AT ANY TIME. THE DISTRICT ANNUALLY ESTABLISHES TAX RATES. PURCHASER IS ADVISED TO CONTACT THE DISTRICT TO DETERMINE THE STATUS OF ANY CURRENT OR PROPOSED CHANGES TO THE INFORMATION SHOWN ON THIS FORM.

If the seller never gives you the notice before you sign, Section 49.452(f) says you are entitled to terminate the contract. There is a deadline on the damages claim: Section 49.452(r) requires suit within 90 days after you receive the first district tax notice, or within four years of the sale, whichever comes first.

One piece of this changed recently and is easy to get wrong from memory. Subsections (b) through (e) of Section 49.452, which used to carry the notice text, were repealed in 2023, and the prescribed form moved into the new Section 49.4521. Anything written before that describes a structure that no longer exists.

There is no such thing as "the MUD rate"

Harris County publishes every taxing unit's adopted rate under Section 26.16 of the Texas Property Tax Code. I pulled the whole table: 3,013 rows, 620 taxing entities, tax years 2022 through 2026.

Filtering that to water districts, by which I mean entities whose names carry MUD, UD, WCID, or water control, gives 452 rows for tax year 2025. Of those, 442 adopted a rate above zero. Here is the spread, in dollars per $100 of taxable value:

Adopted water-district tax rates, Harris County, tax year 2025, dollars per $100 of taxable value

Adopted water-district tax rates, Harris County, tax year 2025, dollars per $100 of taxable value

Source	Rate	What it does and does not tell you
Lowest adopted rate	0.0300	One district. A rate this low says nothing about the next one.
25th percentile	0.3600	A quarter of districts adopted less than this.
Median	0.5170	Median across districts, not across households.
75th percentile	0.7422	A quarter of districts adopted more than this.
Highest adopted rate	1.7200	About fifty-seven times the lowest, in the same county.

The lowest is 0.0300 and the highest is 1.7200. That is a range of roughly fifty-seven to one across districts in the same county. Any sentence that begins "the MUD tax is about" has already lost the plot, because the number depends entirely on which district a specific address sits in.

Two cautions on that median. It is the median across districts, not across households, so a district with two hundred homes counts the same as one with five thousand. And it describes Harris County as a whole rather than this corner of it.

A rate going down does not mean a bill going down

Here is where I nearly wrote the reassuring version myself.

Of the 417 water districts in the county table with both a 2022 and a 2025 rate, 311 of them, about 75 percent, adopted a lower rate in 2025 than in 2022. Twelve percent went up and fourteen percent held flat. Taken alone that looks like a clean story about rates falling as districts build out.

It is not a story about your bill. A tax bill is a rate multiplied by an appraised value, and appraised values in this county moved a great deal over those same years. A rate can fall while the amount collected rises.

The measure that controls for this already exists. The no-new-revenue rate is the rate that would raise the same revenue this year as last year on the same properties. Adopt above it and the district collects more. Adopt below it and it collects less.

Of the water districts publishing a no-new-revenue rate for 2025, 76 percent adopted a rate above it, with a median adopted rate about 2.6 percent above no-new-revenue. So among districts where the comparison can be made, roughly three quarters were collecting more than the year before, during the same period in which most of them cut their rate.

That figure carries a denominator problem I am not going to paper over. Only 93 of the 442 districts publish a usable no-new-revenue rate in that table. The other 349 report 0.0000000, and a no-new-revenue rate of exactly zero is not a meaningful number, so I read those as missing rather than as zero. HCAD says the same thing about its own blanks: a blank rate means the appraisal district does not have the information yet. Ninety-three districts that publish a figure are not a random sample of four hundred and forty-two, so treat the 76 percent as a fact about the districts that disclose, and not as a fact about all of them.

About half of a typical rate is debt service

The county table splits each rate into a maintenance and operations portion and a debt portion. Across the 442 water districts with a 2025 rate, the median debt share is 49 percent.

Put that next to Section 54.601 and the picture is straightforward. Roughly half of a typical district rate is paying back money already borrowed, and the statute says that levy continues while the bonds are outstanding. The maintenance half funds running the system. The debt half funds having built it.

This is also why the bonds authorized and bonds issued figures on the notice are worth your attention. A district that has issued most of what its voters approved has a different future than one sitting on a large unissued authorization, and the notice gives you both numbers.

You cannot find your district by its name

I went looking for the districts serving Kingwood, Atascocita, Humble, Summerwood, Fall Creek, and Eagle Springs by searching the county's list of 620 taxing entities for those names. Three came back: Humble ISD, the City of Humble, and Fall Creek Management District.

None of the others exist under those names, because Harris County water districts are numbered rather than named after the neighborhoods they serve. A subdivision's marketing name and its district's legal name have no reliable relationship, and one subdivision can sit across more than one district.

The practical consequence is the whole reason this section exists. You cannot determine which district taxes a house, or what it charges, from the neighborhood name. Not from a listing, not from a community website, and not from someone telling you what people pay "in Kingwood." It has to be looked up per address.

Kingwood proper: no MUD line, because the city replaced it

Houston annexed Kingwood in December 1996. The municipal utility districts that had served it were absorbed by the city, and what a Kingwood owner pays today reflects that. City of Houston appears on the bill. No MUD does.

Checked against the Harris County Appraisal District's certified 2025 roll, every parcel in 14 Kingwood villages carries the same 8 taxing units and the same total. Those villages are Kings Point, Sand Creek, Fosters Mill, Greentree, Bear Branch, Hunters Ridge, Kings Forest, Kingwood Lakes, Barrington, Kingwood Greens, Riverchase, Royal Brook, Mills Branch and Sherwood Trails.

| Taxing unit | 2025 rate | |---|---| | Humble ISD | 1.105200 | | Harris County | 0.380960 | | Harris Co Flood Control | 0.049660 | | Port of Houston Authority | 0.005900 | | Harris Co Hospital District | 0.187610 | | Harris Co Dept of Education | 0.004798 | | Lone Star College System | 0.106000 | | City of Houston | 0.519190 | | Total | 2.359318 |

That total holds on 11,943 of the 11,949 parcels in those villages. The handful that differ are vacant tracts rather than houses.

Because the whole of Kingwood proper sits at one rate, the comparison a buyer needs runs outward instead of inward. A subdivision outside the city limits that still has its own MUD pays that district on top of, or in place of, a city rate. Two bills built from different parts. Reading one tells you nothing about the other.

The 0.000000 rows

Pull up a Kingwood parcel's jurisdiction list and you may see rows like LAKE HOUSTON 10 (040), LAKE HOUSTON 10 (061) and LAKE HOUSTON 10 (018), each showing a rate of 0.000000.

Those are participation lines for Reinvestment Zone Number Ten (Lake Houston), a tax increment reinvestment zone the city created in 1997 under Chapter 311 of the Texas Tax Code. The city's stated purpose was to replace "several Municipal Utility Districts that were absorbed by the City in the 1996 Kingwood Annexation."

The three suffixes identify the three participating taxing units: 040 is Harris County, 061 is the City of Houston, 018 is Humble ISD. Each holds an interlocal agreement directing part of the growth in its revenue from this area into the zone's fund.

The rate reads zero because a TIRZ levies nothing of its own. You are already paying the county, city and school rates listed above it, and the zone captures a share of the increment those rates produce. The row adds nothing to your bill.

Three things worth telling apart on that screen:

1. A MUD line carries a rate, and it adds to what you owe.
2. A TIRZ line carries 0.000000, and it does not.
3. A blank tells you nothing at all. It may mean no district. It may mean you are on the wrong screen. Absence of a row is weak evidence of absence of a district.

Not every TIRZ row arrives in threes. Some Kingwood parcels carry TIRZ 10 LAKE HOUSTON ANNEX 3 (061) with no county or school twin, because participation was agreed area by area.

Royal Brook, where the county line is the tax line

Royal Brook at Kingwood carries the Kingwood name and straddles the Harris/Montgomery county line. Its two halves are taxed by different governments under different rules, and the subdivision name is identical on both sides.

The Harris County sections sit inside the city on the rate above. The Montgomery County sections do not, and the difference is not marginal.

| | Harris sections | Montgomery sections | |---|---|---| | City | City of Houston | none | | School | Humble ISD | New Caney ISD | | MUD | none | Montgomery County MUD 24 | | College | Lone Star College | Lone Star College | | County units | Harris County, flood control, port, hospital, education | Montgomery County, hospital, Emergency Services District 6 | | 2025 total | 2.359318 | 2.9079 |

A house on the Montgomery side carries a MUD line of 1.12 per $100, adopted by the district's board in October 2025 as 0.68 for debt service and 0.44 for maintenance and operation. On a $392,000 appraisal that single line runs to roughly $4,390 a year, which is more than the school district costs on the same parcel.

The two columns were established differently, and it is worth knowing how. The Harris figures come from the county's certified roll and cover every parcel in the villages named. The Montgomery figures come from parcel records read individually at that county's appraisal district, so they are a sample rather than a census. Both are the counties' own records. The difference is coverage.

The lesson is narrow and it is the reason this page exists. The name on the entrance sign is not a taxing jurisdiction. Two houses can sit in the same master planned community, share a developer and a street grid, and still fall under different school districts in different counties, with a MUD that only one of them pays. The jurisdiction list on the parcel is the record. Nothing else is.

Sources: Harris County Appraisal District certified 2025 appraisal roll, files Real_acct_owner and Real_jur_exempt, retrieved 26 August 2026, covering every parcel in the villages named. Montgomery County jurisdiction lists read from Montgomery Central Appraisal District parcel records for tax year 2025. Harris rates cross-checked against the Harris County Tax Office adopted 2025 rate table; Montgomery rates come from the Montgomery County Tax Office rate history, with the hospital district and Lone Star College System rates taken from each entity's own publication. The MUD 24 rate is from that district's signed Order Establishing Ad Valorem Tax Rate for 2025, adopted 6 October 2025 and hosted here because the district publishes it from a Google Drive link. City of Houston, Reinvestment Zone Number Ten (Lake Houston), and the zone creation ordinance heard in public session on 10 December 1997. Rates are for tax year 2025 and change annually. This describes the taxing units a parcel carries. It is not an estimate of what a property will cost you.

How to read one specific address

Four steps, each of which produces a document rather than an opinion.

1. Get the account on the Harris Central Appraisal District site and read the list of taxing jurisdictions on it. That list is the answer to which district you are in, and it names every other unit taxing the property at the same time.

2. Take the district's name to the county's Truth in Taxation table and read its adopted rate, its maintenance and operations rate, and its debt rate for the most recent adopted year. Note that the current calendar year's row may read 0.0000000 until rates are adopted in the fall, and that a zero there means not yet set.

3. Ask the district for the notice form. Section 49.453 requires a district to keep the completed Notice to Purchasers on file and to issue it to any person who asks in writing. The form comes back with the district's own telephone number and the date it was issued, filled in with the rate, the bonds authorized, and the bonds issued.

4. Check what the district filed with the county clerk. Section 49.455 requires the board to file an information form and a boundary map or plat in every county the district sits in, including the most recent tax rate, the bonds approved by voters, and the bonds already issued. It is a public record and it is the document sellers and title companies are entitled to rely on.

Step three is the one almost nobody uses, and it is available to you before you are under contract, before you have paid for anything, and without a seller's cooperation.

Whose job it is to hand you the notice

Step three is what you can do without anyone's help. In an ordinary sale it should not have to come to that, and it is worth being plain about where the duty actually sits.

The statute puts it on the seller. Section 49.452 requires the notice to be furnished by a seller to a purchaser before a binding contract is signed, and Section 49.453 is the separate provision that lets you go get the form yourself. Neither one says anything about agents. In a transaction with a listing agent on one side and a buyer's agent on the other, the listing agent is the one who delivers the MUD notice, and it has to be delivered prior to contract. That is a disclosure requirement rather than a term either side negotiates.

The standard I hold to is that the notice is attached to the listing documents from the start. Attached, it is already available to every buyer's agent working the property, and nobody has to ask. A buyer looking at four houses across four districts should end up with four notices without a single request having been made.

When it is not attached, requesting it falls to the buyer's agent, and the time for that is before writing an offer rather than after one is signed. What you are asking the listing side for is the district's completed notice form. When it arrives, the figures to read on it are the adopted rate per $100 of valuation, the total the voters approved, and how much of that authorization the district has already issued as debt. Read the issuance date too, because those numbers move as a district borrows against what it has left.

If the request goes nowhere, step three above is the way around it. Section 49.453 lets any person obtain the completed form from the district in writing, which means a buyer's agent never has to wait on the other side of a transaction to learn what a property carries before an offer goes out.

Checking the boundary and the bill

Two public tools answer two different questions, and you want both. Neither one is sufficient by itself.

TCEQ Water Districts Map Viewer answers whether a district's boundary covers the ground. The Texas Commission on Environmental Quality supervises water districts statewide and publishes their boundaries. Open the viewer and locate the property. If a municipal utility district polygon covers it, the district is named there.

Read it for what it is. TCEQ states that the product "is for informational purposes and may not have been prepared for or be suitable for legal, engineering, or surveying purposes," and that it shows "only the approximate relative location of property boundaries." It tells you a district is there. It does not tell you what you will pay.

The HCAD account record answers what taxing units the parcel actually carries. Boundaries and bills are different objects, and the TIRZ rows described above appear only on this side.

Getting there is a click path rather than a link. Open HCAD's Parcel Viewer, locate the property on the map, and follow through to the account record, then read the jurisdictions listed on it. HCAD rebuilds its search periodically and old direct links stop working, so navigate from the viewer instead of saving a URL.

Checking one and skipping the other is how people get this wrong in both directions. A boundary with no bill attached tells you a district exists without telling you its rate. A jurisdiction list read without the boundary map tells you what a parcel is taxed by today without showing you what sits next door.

Where this gets softened

The softening is rarely a lie. It is usually a true sentence standing in for a question it does not answer.

"The rate goes down every year" is often true and says nothing about your bill, for the reason above.

"It pays for the infrastructure" is true and is exactly why the statute makes a seller tell you the cost of district facilities is not in the purchase price.

"Everyone out here is in a MUD" is close to true in much of this area and is not a reason to skip finding out which one, given a fifty-seven to one spread across the county.

"Your taxes will drop when the MUD is paid off" describes something that happens, on a schedule set by bonds that are outstanding now and by bonds the voters have already authorized but the district has not issued yet. Both numbers are on a form you can request.

The reason this material gets soft is not conspiracy. A higher combined tax rate lowers what a given buyer qualifies for at a given price, so the number works against the sale, and a page written to make a sale is written accordingly. Knowing which way the pressure runs tells you which claims to check first.

What buyers ask

Does the MUD tax ever go away?

The tax tied to bonds continues while those bonds are outstanding, under Section 54.601. Districts do retire debt and rates do fall. The relevant figures are the bonds already issued and the bonds authorized but not yet issued, both of which the district has to state on the notice form.

Is a house in a MUD cheaper?

This page will not tell you whether any district is good or bad value, because that depends on the price, the rate, the services, and what you are comparing it to. What the statute settles is that the cost of the district's facilities sits outside the purchase price and arrives as an annual tax instead.

How do I find out the rate before I make an offer?

Look the address up at the appraisal district to find which district taxes it, then read that district's adopted rate in the county's Truth in Taxation table. You can also ask the district in writing for its completed notice form under Section 49.453, which does not require the seller to be involved.

What if the seller never gave me the notice?

Section 49.452(f) says you are entitled to terminate the contract if the notice was not given before you signed. If it is furnished at or before closing and you close anyway, the statute treats you as having waived the right to terminate. Any damages claim runs out 90 days after your first district tax notice or four years after the sale, whichever comes first.

The honest part

The strongest thing on this page is not my analysis. It is that the legislature already decided a buyer needs to be told, in 24-point bold, that the cost of the district's facilities is not in the purchase price, and then wrote out the sentences a seller has to hand over.

What the public record does not settle is what any of it is worth to you. The county publishes what each district charges. The statute makes the district publish what it borrowed and what it still may borrow. Neither one tells you whether a lower price with a higher rate beats a higher price with a lower one at the payment you can afford, and anyone who answers that quickly is answering a different question.

I ran my own address in Kings Point through this exact process. City of Houston shows up as a taxing jurisdiction. No MUD line appears. Three Lake Houston 10 entries show up at a rate of zero, and those are the TIRZ participation lines explained above rather than a hidden tax.

Whether the district's tax reaches you as its own bill or inside your mortgage payment is two separate questions, and neither answer changes the amount.

The first is who collects. A district appoints its own tax assessor-collector, and in Harris County that appointment goes two ways. Some districts contract the work to the Harris County Tax Office, and the district's levy then appears on the same statement as the county's other units. Others appoint a private assessor-collector firm, which issues the district's bill on its own, from its own address. Bob Leared Interests and Wheeler & Associates each serve districts in this area. Which of the two your district uses is a fact about that district, not a fact about MUDs.

The second is whether you escrow. A lender that collects taxes monthly pays whatever statements it receives, so a separately issued district bill still arrives inside the monthly payment. Escrow is a feature of the loan rather than of the district, and a buyer who does not escrow receives every statement directly no matter who issued it.

The consequence is about verification rather than budgeting. A parcel whose district uses a private collector will not show that district's line on a Harris County Tax Office statement, so a bill checked only there can look complete while a taxing unit is missing from it. The jurisdiction list on the appraisal district account settles which units tax the parcel. The bill only tells you who sent the envelope.

Two planned communities, one mechanism, two outcomes

Kingwood is not the only master planned community on this side of Houston that had to answer the annexation question. It is the one that answered it by being annexed.

Houston annexed Kingwood in December 1996. The municipal utility districts serving it were absorbed, and the city created Reinvestment Zone Number Ten in 1997 to replace them as the financing vehicle for the same water, sewer and drainage costs. What a Kingwood owner sees on a jurisdiction list today follows from that: a city line, and no MUD line.

The Woodlands took the other route, and the route had to be built for it.

In December 2006 the City of Houston and The Woodlands announced a tentative agreement. The following session the Legislature passed Senate Bill 1012, which added Section 43.0754 to the Local Government Code and authorized what it calls a regional participation agreement. The section is written narrowly. It applies to a "planned community" of 20 square miles or more with a population of 50,000 or more, and to districts holding the powers of a municipal utility district under Chapters 49 and 54 of the Water Code.

Two of its provisions do the work. An agreement may provide for

any type of annexation of any part of the territory of a district to be deferred by an eligible municipality that is a party for a mutually agreeable period

and during that period

the governing body of an eligible municipality that is a party may not initiate or continue an annexation proceeding relating to that area

The Woodlands Township entered regional participation agreements with Houston and Conroe in 2007, running 50 years, funded by directing a portion of its sales tax into a shared regional participation fund. Its district structure stayed in place.

The word that matters is deferred

Section 43.0754 authorizes deferral for a period. It does not confer permanent immunity, and an agreement written under it runs for a term like any other contract.

As of 29 August 2026, that term is still what governs. The 2007 agreement runs to 2057. On 26 August 2026 The Woodlands Township board voted unanimously to approve a third amendment under which the township would pay Houston $50 million by 2030 in exchange for permanently removing the city's ability to annex it, with more than $22 million due by 31 December and further payments through 2029. The amendment is not in effect. It requires approval by Houston City Council, whose vote was postponed so members could review the terms. Rechecked on 29 August 2026: no council vote had been reported, and the amendment was still pending.

So one of three things will be true by the time you read this. The amendment is approved and the bar is permanent. It is still pending and the 2057 deferral governs. Or it failed and the 2057 deferral governs. In every one of those cases the point below holds, which is why it is worth stating separately from the news.

What a buyer takes from it

The two communities are not examples of different rules. They show the same question answered two ways twelve years apart. The difference is visible on a jurisdiction list. One has a city and no MUD. The other has districts and an agreement holding a city at arm's length.

Governance history determines which taxing units appear on a parcel, and reputation is a poor guide to it. Whether a given community is inside a city, inside a MUD, or inside an agreement that defers the question, the answer is recorded per parcel at the appraisal district and nowhere else.

Sources: Texas Local Government Code Section 43.0754, read 26 August 2026. Senate Bill 1012, 80th Legislature, 2007, and House Bill 2726, 81st Legislature, 2009, which extended the section and added a limited waiver of sovereign immunity to make the agreements enforceable. The 2007 agreements, their parties and their 50 year term are as described by The Woodlands Incorporation Study; the executed agreement itself was not obtained for this page. The August 2026 amendment and the status of the Houston City Council vote are as reported on 26 and 27 August 2026, rechecked on 29 August 2026. This section states the position on 29 August 2026 and the negotiation was live on that date.

What to do with all of this

It matters to know which jurisdictions you are under in any potential purchase of real estate. Go to the county website and search the address. Make sure you understand the jurisdictions that come back and the taxing structure attached to them. The four steps above are that process written out for this county.

If you have questions, ask your agent. Once you are under contract, verify it with the title company.

Disclaimer

This is general information about how municipal utility districts are governed and taxed in Texas, and about what Harris County publishes. It is not tax advice, legal advice, or a determination about any specific property. Rates change annually. Districts change what they have borrowed. Confirm any figure against the district and the appraisal district for the address you care about, on the day you care about it.