November 3, 2026: Florida Amendment 3 is on the ballot. Rentals do not get the new homestead exemption.County impact →
Rental TruthCentral Florida holding costs

Greater Orlando · county seat Sanford · millage year 2025

Seminole County rental property tax, millage, and insurance

After you close, this rental is taxed on just value with no homestead exemption. The numbers below are dated 2026-10-18 and cited. They are not a bill for a specific parcel.

· · Figures retrieved 2026-10-18 · 2025 millage.

Seminole County Property Appraiser·Seminole County Tax Collector·FL DOR data portal·Amendment 3 in Seminole

2025 millage (cited)

County BCC operating millage5.3751Seminole County BCC operating millage (adopted with a two-thirds vote per DOR MillCapComp25).Florida DOR, 2025 Maximum Millage Levy Calculation Compliance (MillCapComp25), dated 01-26-26
School millage5.2490Required local effort 3.0010 + school discretionary 2.2480 = 5.2490. Seminole County Property Appraiser, Final 2025 Millage Rates (FY 2025-26 MillageRateReport)
Water management0.1793St. Johns River Water Management District
Example total millage used in the calculator13.6790Seminole County unincorporated (taxing authority 01,02). Unincorporated total 13.6790 includes county 5.3751, fire MSTU 2.7649, road MSTU 0.1107, school, and WMD. Sanford total 18.1284; Oviedo 16.7784; Altamonte Springs 17.5683.
Seminole County Property Appraiser, Final 2025 Millage Rates (FY 2025-26 MillageRateReport)
Illustration: tax on $350,000 just value$4,787.65Assumes just value equals $350,000 at the example total millage. Not a TRIM bill. Formula: value × mills ÷ 1,000.

A newly purchased rental’s taxable value starts at just value (no $51,411 homestead). Non-ad valorem assessments are not in millage.Purchase-reset explainer.

Insurance (OIR, not a landlord quote)

Average homeowners premium including wind: $3,527. Condo unit owners including wind: $1,196.

As of 2025-09-30.Florida Office of Insurance Regulation, Property Insurance Stability Report (January 1, 2026).County averages are homeowners and condo-unit-owner premiums including wind coverage, from Market Information Reporting. They are not landlord (DP-3 / dwelling fire) averages. OIR states actual charged premium varies by company, insured value, deductibles, and terms.All I-4 counties.

Condo holding-cost issues

Florida requires milestone structural inspections and structural integrity reserve studies for condominium and cooperative buildings three or more habitable stories. Special assessments and reserve funding are a holding-cost risk for condo rentals. We do not publish a statewide average special-assessment dollar figure because no official source gives one.

DBPR inspections·SB 4-D FAQs

Cities in this county (Walczak Table 5)

CityApartmentSFR
Oviedo$1,070 (29.64%)$2,214 (29.78%)
Sanford$502 (21.68%)$1,106 (20.75%)

Walczak Table 5

Is it worth buying a rental in Seminole?

This page does not answer yes or no. Run rent against millage, insurance, flood, and HOA on the parcel.Calculator pre-set to Seminole.

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County-change newsletter

Millage, TRIM notices, insurance filings, flood-map updates, and condo reserve rules — one email, I-4 counties only. No lender pitches.

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