This page helps with Property Tax tasks in Monroe County, Florida, including finding a tax bill, checking payment options, understanding due dates, and knowing which office to contact.
The Monroe County Tax Collector handles property tax billing, payment processing, installment options, partial payments, tax certificates, and related public service questions.
Monroe County property tax search and payment
Use the county tax system to look up a property tax account, review the bill, and move to online payment when available. The online service requires JavaScript to work properly.
The main access point is the Monroe County property tax search. The Tax Collector also provides a property tax payment information page with payment rules, fees, and mailing instructions.
If a bill is missing, the Tax Collector states that the owner is still responsible for checking the amount due and paying before delinquency. You may search online or contact the office for help.
Annual tax bills and discount periods
Annual property tax bills are mailed on or before November 1. The gross amount is due by March 31, and taxes become delinquent April 1.
| Payment period | Discount or status |
|---|---|
| November | 4% discount |
| December | 3% discount |
| January | 2% discount |
| February | 1% discount |
| March | Gross amount due with no discount |
| April 1 | Taxes become delinquent |
Postmark matters for discounts. If a payment is mailed on or after April 1, the amount due is based on when the Tax Collector receives the payment.
Payment methods and fees
Monroe County property taxes may be paid by check, e-check, credit card, debit card, wire transfer, or available online payment options. Checks must be made payable to Sam Steele, Tax Collector.
| Payment method | Key detail |
|---|---|
| E-check | No fee for e-check payments |
| PIN debit card | $2.85 service charge |
| Credit card | 2.85% service charge |
| Check by mail | Checks on U.S. banks only, payable to Sam Steele, Tax Collector |
| Wire transfer | Call (305) 295-5090 for wire instructions |
Online card payments may be made with American Express, Discover Card, Visa, or MasterCard. Returned tax checks may result in a $25.00 flat service fee.
Alternative payment options
The Tax Collector offers several payment paths for taxpayers who do not want to pay the full annual amount in one payment. The Property Tax Alternative Payment Options page explains the installment plan, statutory partial payments, and the homestead tax deferral program.
| Option | Who it helps | Key deadline or limit |
|---|---|---|
| Quarterly installment plan | Owners who want to split real estate or tangible personal property taxes into four payments | Apply between November 1 and April 30; estimated tax bill must be more than $100 |
| Statutory partial payment plan | Taxpayers making partial payments on current-year real estate or tangible personal property taxes | Partial payments are accepted November 1 through March 31; minimum payment is $100 |
| Homestead tax deferral program | Eligible homestead-exempt taxpayers who qualify based on income and tax burden | Application is due on or before March 31 |
Property values, millage, and tax roll responsibilities
The Tax Collector collects ad valorem taxes after the tax roll is certified. The Property Appraiser establishes assessed value as of January 1, and the Board of County Commissioners and other levying bodies set millage rates.
Tax notices are sent to the owner’s last address of record on the tax roll. If a mortgage company pays through escrow, the mortgage company should request and receive the bill, while the owner receives an informational copy.
For exemption information, the Tax Collector directs users to the Monroe County Property Appraiser. You can review the exemption information page for that route.
Delinquent taxes and tax certificates
Taxes become delinquent April 1. A minimum mandatory 3% charge is added to the gross amount at that time. If payment is not received and processed by close of business on April 30, the delinquent account may be advertised and related fees may be added.
If payment is not received before the annual tax certificate sale, a tax certificate may be sold on the property. A tax certificate is a first lien against real estate, not a sale of the property itself.
The Tax Certificate Information page explains bidding, redemption, county-held certificates, and tax deed application basics.
Mailing address changes
Use the Tax Collector’s address change process when the mailing address for a tax account needs to be updated. The request form asks for the owner name, parcel ID or account number, date of move, prior mailing address, new mailing address, email address, signature, date, and phone number.
The Change of Address Request page links to the mailing address change form. If the form is signed by a personal representative or power of attorney, appointment documents must accompany the request.
Monroe County Tax Collector contacts
Use these contacts for property tax payment questions, missing tax bills, mailing issues, and related Tax Collector services.
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Monroe County Tax Collector, 1200 Truman Ave., Ste 101, Key West, FL 33040
Phone: (305) 295-5090 -
General Tax Collector phone
Phone: (305) 295-5000 -
Missing tax bills and address change help
Phone: (305) 295-5044 - Mailing address, Monroe County Tax Collector, PO Box 1129, Key West, FL 33041
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Key West Main Office, 1200 Truman Ave, Ste 101, Key West, FL 33040
Hours: 8:00 AM - 4:45 PM Monday-Friday
Phone: (305) 295-5000 -
Big Pine Key Satellite Office, 247 Key Deer Blvd, Big Pine Key, FL 33043
Hours: 8:30 AM - 4:15 PM Tuesday-Thursday
Phone: (305) 872-4751 -
Marathon Branch Office, 3015 Overseas Hwy, Marathon, FL 33050
Hours: 8:00 AM - 4:45 PM Monday-Friday
Phone: (305) 289-6034 -
Plantation Key Branch Office, 88800 Overseas Hwy, Plantation Key, FL 33070
Hours: 8:00 AM - 4:45 PM Monday-Friday
Phone: (305) 852-7150 -
Key Largo Branch Office, 101487 Overseas Hwy, Key Largo, FL 33037
Hours: 8:00 AM - 4:45 PM Monday-Friday
Phone: (305) 853-3562
Common questions
Where do I search for a Monroe County property tax bill?
Use the Monroe County property tax search to look up a tax account and access online payment options.
When are Monroe County property taxes due?
Tax bills are normally mailed on or before November 1. The gross amount is due by March 31, and taxes become delinquent April 1.
What should I do if I did not receive my tax bill?
Contact the Monroe County Tax Collector at (305) 295-5044, visit a nearby office, or search online for the tax bill. Property owners are responsible for checking and paying taxes even if a bill is not received.
Are e-check payments free?
Yes. The Tax Collector states that e-check payments have no fee. Credit cards have a 2.85% service charge, and PIN debit card payments have a $2.85 service charge.
Can Monroe County property taxes be paid in installments?
Yes. Eligible taxpayers may apply for the quarterly installment plan between November 1 and April 30, and the estimated tax bill must be more than $100.
Can I make partial payments on delinquent taxes?
No. Statutory partial payments apply to current-year taxes only. Partial payments cannot be made for delinquent taxes, and no partial payments can be made after March 31.
What happens after taxes become delinquent?
A minimum mandatory 3% charge is added on April 1. If the account remains unpaid, it may be advertised and a tax certificate may be sold on the property.