Collin County Texas Property Tax & Appraisal Guide
Search Collin County Property Records, CCAD Values and 2026 Tax Accounts
Collin County property taxes use two primary systems. Collin Central Appraisal District (CCAD) determines market value, exemptions, taxable ownership information and appraisal protests. The Collin County Tax Assessor-Collector then uses certified appraisal data and adopted tax rates to create and collect property-tax bills for dozens of local taxing jurisdictions.
Use this 2026 guide to search an owner, address or Property ID, decode the appraisal record, verify a homestead exemption, understand the 10% homestead appraisal cap, check the new $140,000 school homestead exemption, review post-certification correction options, follow 2026 tax-rate proposals, calculate tax, make a partial payment, use the special four-installment option for qualifying homeowners, and search the deed separately through the County Clerk.
Collin County Is Now Between Appraisal Certification and October Tax Bills
The regular 2026 appraisal protest season is largely over. CCAD’s calendar requires the chief appraiser to certify the appraisal roll to taxing units by July 25. During August and September, local taxing units propose and adopt the tax rates that determine the final 2026 bill.
Appraisal notice
Real-property Notices of Appraised Value were mailed April 15.
Protest and ARB
Regular real-property protest deadline was May 15, followed by ARB hearings.
Tax-rate decisions
Proposed and adopted local rates appear in the property-tax transparency database.
Tax statements
Collin County property-tax statements are normally mailed in October and become due on receipt.
Do not use a prior-year tax rate as a guaranteed 2026 rate. Rates can differ by city, school district, college, MUD, water district and other taxing units. Use the live tax-transparency database during August–September and the final tax statement after billing.
August 31 address checkpoint: CCAD’s calendar lists August 31 as the last day for a property owner to provide the correct mailing address to the appraisal district for tax-bill purposes.
Four different property-record jobs
Which Collin County Office Should You Use?
Collin CAD
Market value
Property characteristics
Owner/mailing record
Homestead exemptions
Agricultural appraisal
Appraisal protests
Tax Assessor-Collector
Tax statements
Current balances
Payments
Partial payments
Tax certificates
Delinquent collections
County Clerk
Deeds
Liens
Foreclosures
Plats
Recorded instruments
Certified copies
Taxing Units
Adopt tax rates
City taxes
School taxes
MUD/WCID taxes
College taxes
Budget decisions
Fast rule: value or exemption problem = CCAD. Tax balance or payment problem = Tax Assessor-Collector. Deed or lien question = County Clerk.
Texas terminology differs from Florida: Collin County’s valuation office is an appraisal district, not a county Property Appraiser. Compare this with the Volusia County Property Appraiser workflow.
Choose the Collin County Property Task You Need
Find a property
Search CCAD by Property ID, Geographic ID, owner, street address, legal description or taxing entity.
Check market value
Review current value, prior years, land, improvements, exemptions and taxing units.
Verify homestead
Check whether the exemption is actually coded on the account and whether the appraisal cap is active.
Search 2026 taxes
Use the Tax Office portal to locate current and prior tax accounts.
Estimate the bill
Match taxing entities and exemptions before applying tax rates.
Search deed or lien
Use the County Clerk land-record system for the actual recorded instrument.
Choose a basic or advanced search.
Search using the strongest identifier you already know.
Use Property ID for an exact account.
CCAD Property ID is numeric and is one of the cleanest appraisal-record search keys.
Use Geographic ID when available.
Geographic IDs are alpha-numeric and can be searched without dashes.
For owner search, enter last name first.
CCAD stores owner names in “Last First” format and supports wildcard searching.
For street search, omit unnecessary suffixes.
Enter the street number and core street name, then narrow results.
Open the correct account.
Match Property ID, address, owner and legal description.
Review current and prior values.
Separate market value, appraised value, cap loss, exemptions and taxable values.
Identify every taxing entity.
City, school, county, college and MUD/WCID combinations determine the tax-rate stack.
Move to the Tax Office only when you need the actual bill.
The appraisal record and tax collection account are related but serve different purposes.
CCAD’s property data is a tax/appraisal resource. For legal ownership, deed wording, easements or a title examination, use the County Clerk’s recorded land records and appropriate professional assistance.
Advanced property-search keys
Collin CAD Search Fields That Save Time
Property ID
Numeric exact-match CCAD identifier.
Geographic ID
Alpha-numeric parcel geography identifier, typically 13–18 characters.
Owner Name
Search “Last First.” Add a wildcard when helpful.
Property Address
Search street number and street name; omit unnecessary suffix detail first.
Legal Description
Search abstract/subdivision, block, tract or lot.
Business / DBA
Useful for business personal property and commercial accounts.
Agent
Search appraisal agent name or ID where applicable.
Taxing Entity
Filter by city, school district or other jurisdiction to narrow data.
Use County Clerk deed records when legal title matters.
Market Value
CCAD’s January 1 market-value appraisal.
This can differ from capped appraised value.
Appraised Value
Value after applicable statutory appraisal limitations.
Homestead cap or other limitation can make this lower than market value.
Homestead Cap Loss
Value excluded from appraised value because of the residence-homestead 10% cap.
Cap generally begins in the second year after the homestead exemption is granted.
Exemptions
Homestead, over-65, disabled, veteran or other qualifying reductions.
Different taxing entities may offer different local exemption amounts.
Taxable Value
Value remaining for a specific taxing unit after exemptions and limitations.
There can be different taxable values for different jurisdictions.
Taxing Entities
County, city, ISD, college, MUD/WCID and other units taxing the parcel.
Your total bill depends on this exact combination.
Account Number
Tax Office billing identifier, often beginning R, P or M.
Use the number displayed on the tax statement when making payments.
Value office ≠ collection office
How a CCAD Appraisal Becomes a Collin County Tax Bill
January 1 Value
CCAD appraises property at market value as of January 1 for most property.
Exemptions & Caps
Applicable homestead exemptions, appraisal limitations and other adjustments reduce taxable values.
Certified Roll
After ARB review, the chief appraiser certifies the appraisal roll to taxing units.
Tax Rates
Local governments adopt their rates during the budget/tax-rate process.
Tax Statement
The Tax Assessor-Collector applies the rates to taxable values and collects the resulting bill.
One parcel can have several different taxable values. A school district, city, county and MUD can each offer different exemptions, so do not calculate the entire bill from one taxable-value number unless the record confirms it applies to every taxing unit.
Primary residence tax protection
Collin County Residence Homestead Exemption & 10% Appraisal Cap
A qualifying Texas residence homestead can receive substantial property-tax benefits. For school district taxation, current Texas law provides a $140,000 general residence homestead exemption.
Other local taxing entities can offer additional optional exemptions. Use CCAD’s taxing-entity exemption table to see what applies to the exact parcel.
The property must qualify as the owner’s principal residence.
Only qualifying ownership interests receive the exemption.
CCAD requires the application and supporting identification documentation.
The general filing period is January 1 through April 30.
Late-filing provisions can preserve relief in qualifying cases.
$140,000 school exemption
The mandatory school-district general residence homestead exemption is now $140,000.
10% appraisal cap
Once the residence-homestead cap applies, annual appraised value generally cannot exceed the prior appraised value plus 10% plus the market value of new improvements.
One-time filing normally
An approved homestead generally does not require annual reapplication unless CCAD requests a new application or the residence changes.
Search the CCAD account first.
Confirm the owner, mailing address and current exemption codes.
Open the Residential Homestead Exemption application.
Use CCAD Form 50-114.
Prepare identification.
CCAD instructs applicants to include the required Texas driver license or state ID and any other documents specified by the form.
Submit online, by mail, in person or drop box.
CCAD does not accept emailed exemption applications.
Recheck the property record after processing.
Verify the applicable homestead exemption code appears on the account.
Missed April 30? CCAD states that a residence homestead exemption can generally be filed late up to two years after the taxes for that tax year become delinquent. Do not assume the missed regular deadline means all relief is lost.
2026 Texas homeowner relief
Homestead, Over-65, Disabled and Veteran Exemptions
General Residence Homestead
School districts must provide the current $140,000 state-mandated residence-homestead exemption. Other Collin County taxing units can offer additional local options.
Age 65 or Older
Texas school districts provide an additional $60,000 residence-homestead exemption for qualifying owners age 65 or older.
Disabled Person
Qualifying disabled homeowners can receive applicable disabled-person exemptions and school-tax ceiling treatment.
Partial Disabled Veteran
Current published partial exemption amounts range from $5,000 to $12,000 depending on qualifying VA disability rating.
100% Disabled Veteran Homestead
A qualifying veteran with the required 100% service-connected disability or individual-unemployability status can qualify for a full exemption of the residence homestead.
School Tax Ceiling
Qualifying over-65 or disabled homeowners receive a school-tax ceiling. School taxes can fall below the ceiling but generally cannot rise above it except for qualifying new improvements.
Local exemption amounts vary. Always use the CCAD Tax Rates & Exemptions table for the exact city, school, county, college or special district attached to your property.
Regular 2026 deadline has passed
Collin County 2026 Property Appraisal Protest
Regular real-property protest deadline: May 15, 2026. CCAD mailed real-property Notices of Appraised Value April 15 and published May 15 as the standard 2026 real-property protest deadline.
Notice
Owner receives Notice of Appraised Value showing value and filing deadline.
Written Protest
File through an eligible online portal, mail, in person or district drop box.
Informal Review
Owner/appraiser can discuss evidence before the formal hearing.
ARB Hearing
Appraisal Review Board hears evidence and issues its determination.
Further Appeal
Depending on eligibility and dispute type, further appeal routes can include district court, binding arbitration or SOAH procedures.
August 2026: a normal “my value is too high” protest cannot simply be filed as though May 15 never passed. Post-certification remedies are much narrower and depend on the exact legal reason for reopening or correcting the roll.
If you already protested: retain the ARB order, settlement documents, evidence packet and proof of payment. Some post-certification correction remedies are unavailable after a matter was already determined by the ARB or settled by written agreement.
Post-certification is limited
Missed the May 15 Protest Deadline? Check the Reason Before Giving Up
After the appraisal roll is certified, Texas law allows only specific correction or late-protest situations. CCAD identifies several common post-certification routes.
Failure to receive required notice
Texas Property Tax Code §41.411 can allow a protest alleging failure to deliver a notice the owner was legally entitled to receive. It must be pursued before the tax becomes delinquent.
Clerical / ownership / duplicate errors
§25.25(c) can address certain clerical errors, multiple appraisals, nonexistent property and January 1 ownership errors for qualifying years.
Substantial-value error
§25.25(d) provides a limited substantial-error correction process when statutory value thresholds are met.
This is not a second ordinary protest season. Each post-certification remedy has legal prerequisites, deadlines and exclusions. Contact CCAD with the exact factual problem and review the applicable Texas Property Tax Code section before filing.
“I am asking about Collin CAD Property ID __________. I missed or completed the regular 2026 protest period, but the record now appears to have this specific problem: __________. Does CCAD consider this a Section 41.411 notice issue, a Section 25.25 correction issue, or another post-certification matter?”
Search by property account number when available.
Tax account numbers appear on the statement and typically begin with R, P or M.
Or search owner name.
Enter last name followed by first name or initial.
Or search owner mailing address.
This is different from the physical property location.
Or search property location.
Enter street number and name without unnecessary direction or street-type text.
Filter paid or unpaid accounts.
Use the portal filters to isolate balances.
Open the correct account.
Compare account number, owner and property location.
Review each taxing jurisdiction.
The account can break tax into county, city, school, college and other district components.
Check penalty, interest and collection charges separately.
For delinquent accounts, do not rely on the original statement amount.
Save the payment confirmation.
Retain account number, tax year, amount and payment method.
Collin County Tax Office currently collects ad valorem property taxes for 43 taxing jurisdictions. That is why one Tax Office account can contain several separate jurisdiction lines.
2026 taxes become payable after October billing
How and When to Pay Collin County 2026 Property Taxes
Online
Search the official property-tax account and pay electronically through the county’s payment system.
Telephone
Collin County currently lists Certified Payments at 877-264-7533 for property-tax card payments.
Mail
Mail using the Tax Office instructions and write the property account number on the check.
In Person
Property-tax payments are accepted at the county’s McKinney, Plano and Frisco Tax Office locations.
Credit cards: current Collin County Tax Office guidance lists Visa, MasterCard, Discover and American Express with a 2.10% service charge, minimum $1.
Partial payments are allowed. The Tax Office says taxpayers may make partial property-tax payments beginning when statements are received. Put the property account number and “Partial Payment” in the check remarks when following the county’s mailed-payment instructions.
Special four-payment option
Over-65 or Disabled Homeowners Can Pay Current Homestead Taxes in Four Installments
Taxpayers who have an Over-65 or Disabled Person Exemption on the residence homestead can use the county’s statutory four-installment payment schedule without penalty or interest when every installment is paid on time.
¼ by January 31
First required installment.
¼ by March 31
Second required installment.
¼ by May 31
Third required installment.
¼ by July 31
Final required installment.
Missing an installment matters. Collin County states that if an installment is missed, the full applicable penalty can accrue.
Property Tax Deferral Is Different
Qualifying homeowners age 65 or older or with disabilities may also have a homestead tax-deferral option. Collin County explains that qualifying current taxes can accrue at 5% annual interest rather than the normal delinquency penalty-and-interest schedule while the deferral is effective.
A deferral does not erase the tax. A tax lien remains, interest continues to accrue, and the deferred status can end after ownership/occupancy changes. Review the legal consequences carefully before choosing deferral.
2026 taxes become delinquent February 1, 2027
Collin County Property Tax Penalty & Interest Timeline
7%
February
6% penalty + 1% interest
9%
March
7% penalty + 2% interest
11%
April
8% penalty + 3% interest
13%
May
9% penalty + 4% interest
15%
June
10% penalty + 5% interest
18%+
July
12% penalty + 6% interest before applicable collection-attorney charges
June 30 collection threshold: Collin County states that accounts not paid in full by June 30 of the year they become delinquent can be referred for enforced collection and may incur an additional collection penalty of up to 20% of the taxes, penalties and interest due.
No bill is not a defense. Failure to receive a tax statement does not cancel the tax, due date, lien, penalty or interest. If a statement has not arrived by November 1, contact Property Tax at 972-547-5020.
Especially important in August and September 2026
Track Proposed Collin County Property Tax Rates Before the October Bill
Texas requires local property-tax databases to provide information about proposed and adopted rates. Collin CAD specifically directs property owners to the local database during August and September.
Find your property.
Match the property and applicable taxing units.
Review proposed tax rates.
Compare the proposed rate and estimated tax effect for each entity.
Check hearing and governing-body information.
The database is intended to help owners understand local budget and tax-rate decisions.
Recheck after rates are adopted.
The database is updated during August and September as rates move from proposed to adopted.
Why this is better than guessing: two homes with the same CCAD value can have very different tax bills because one may be in a different city, school district, MUD, water district or special district.
Simple tax-planning worksheet
Collin County Property Tax Planning Calculator
Enter a taxable value and the combined tax rate shown for the applicable jurisdictions. Texas rates are generally expressed as dollars per $100 of taxable value.
Entered value$0.00
Estimated taxable value$0.00
Estimated tax$0.00
Planning only: a single exemption number may not apply to every taxing unit. School, county, city, college and special-district taxable values can differ. Use Collin County’s official Property Tax Estimator for jurisdiction-by-jurisdiction calculations.
Collin County 2026 Property Tax Calendar
Valuation date
Values established for most property.
Appraisal notices
Real-property Notices of Appraised Value mailed.
Regular exemption deadline
Most exemption and agricultural-use applications due.
Regular protest deadline
2026 real-property Notice of Protest deadline.
Roll certification
Chief appraiser deadline to certify appraisal roll.
Tax-rate season
Local units propose and adopt tax rates.
Tax statements
Property-tax bills mailed and become due on receipt.
Last penalty-free day
Pay 2026 taxes by January 31, 2027 to avoid normal delinquency charges.
Collin County Clerk land records
Search Collin County Deeds, Liens and Recorded Property Documents
The County Clerk—not CCAD—maintains the county’s recorded land instruments. The online deed-search workflow supports searches by party name, instrument number, or volume/page.
COLLIN LAND RECORD
DEED
LIEN
FORECLOSURE
PLAT
Start with the CCAD account if you only know the address.
Collin County specifically recommends finding property details through CCAD first when the physical address is your only identifier.
Choose Deed Search.
Search using party name, instrument number or volume/page.
Understand instrument-number format.
Records from January 2006 through April 2022 use a longer 17-digit format; records beginning May 2, 2022 use a 13-digit format beginning with the recorded year.
Match the legal description.
Compare the recorded document with CCAD’s subdivision, abstract, block and lot information.
Request an official copy when required.
Use the County Clerk’s record-request process for documents needed beyond online research.
Online-record warning: Collin County states that certain information may be redacted from online instruments under state law and that the online database is not the official repository of the complete, unaltered real-property records.
Collin County Buyer & Homeowner Verification Checklist
Search CCAD Property ID
Verify owner and site address
Compare market and appraised value
Check homestead-cap loss
Verify all exemption codes
Identify school district
Identify city
Check MUD/WCID or special districts
Review tax-transparency estimate
Search Tax Office balance
Check delinquent years
Search recorded deed
Review liens/foreclosure records
Confirm 2026 protest history if relevant
January 1 ownership issue: Collin County notes that the person who owned property on January 1 is personally liable for that tax year, while the tax lien follows the property. Buyers should review closing prorations and outstanding taxes carefully.
Collin County Property Tax Problems and the Right Fix
Problem
Best action
Office
Owner search returns too many accounts
Use Property ID, Geographic ID or property address.
CCAD
Market value looks wrong
Review appraisal/protest status and determine whether any post-certification remedy applies.
CCAD / ARB
Homestead missing
Check application status and late-filing eligibility.
CCAD
Tax bill is larger than expected
Compare every taxing entity, exemption and adopted tax rate.
CCAD + Tax Office
No tax statement received
Search online and call 972-547-5020 if no statement arrives by November 1.
Tax Assessor-Collector
Wrong mailing address
Update CCAD and use the Tax Office address-correction process where appropriate.
CCAD / Tax Office
Mortgage company should pay
Forward the statement with loan number to the mortgage servicer and notify the Tax Office in writing.
Mortgage + Tax Office
Need partial payment
Follow Tax Office partial-payment instructions before January 31.
Tax Assessor-Collector
Need official ownership proof
Retrieve the recorded deed.
County Clerk
Need complete lien/title review
Research County Clerk records and use a qualified title professional or attorney where appropriate.
County Clerk / Professional
“I am calling about Collin County property account __________ / CCAD Property ID __________ at __________. The record shows __________, but my appraisal notice, deed, exemption documentation or tax payment record shows __________. Which office controls this correction and what should I submit?”
Collin County Tax Assessor, CCAD and County Clerk Contacts
Current Tax Office hours: Collin County lists McKinney, Plano and Frisco Tax Offices Monday through Friday, 8:00 a.m.–4:30 p.m.
Collin County Tax Office – McKinney
Collin Central Appraisal District
Official live actions
Collin County Property Tax Action Center
Use this article to determine which system controls the issue, then complete the actual live search, application, payment or recorded-document lookup with the responsible government office.
1. How do I search Collin County property records?
Use the Collin Central Appraisal District property search. You can search by Property ID, Geographic ID, owner name, property address, business name, agent information, legal description and taxing entities. CCAD is the official appraisal source for property values and exemption information.
2. Who is the Collin County Tax Assessor-Collector in 2026?
Scott Grigg is the current Collin County Tax Assessor-Collector. He began his elected term on January 1, 2025. Property-tax assistance is available through the Collin County Tax Office at 972-547-5020.
3. Is the Collin County Tax Assessor-Collector the same as Collin CAD?
No. Collin Central Appraisal District determines property values, exemptions and appraisal records. The Collin County Tax Assessor-Collector uses certified values and adopted tax rates to create and collect property-tax bills.
4. What was the 2026 Collin County property appraisal protest deadline?
The regular 2026 protest deadline for real property was May 15, 2026. After appraisal-roll certification, only limited post-certification protest or correction remedies may remain depending on the specific legal issue.
5. When will Collin County 2026 property-tax bills be mailed?
Collin County property-tax statements are normally mailed in October. Taxes are due on receipt and can generally be paid without normal penalty or interest through January 31, 2027. Unpaid 2026 taxes become delinquent February 1, 2027.
6. Can I make partial property-tax payments in Collin County?
Yes. The Collin County Tax Office states that property owners may make partial payments. Any remaining balance not paid by January 31 becomes subject to penalty and interest. Follow the Tax Office instructions and include the property account number with the payment.
7. What is the Texas school homestead exemption for 2026?
The current state-mandated school district general residence homestead exemption is $140,000. School districts also provide an additional $60,000 exemption for qualifying owners age 65 or older or disabled. Other local taxing-unit exemptions can differ.
8. Can an over-65 homeowner pay Collin County taxes in installments?
Yes. A taxpayer with an Over-65 or Disabled Person Exemption on the residence homestead may pay current taxes in four equal installments: one-quarter by January 31, March 31, May 31 and July 31. Missing an installment can trigger applicable penalties.
9. What happens if I do not receive my Collin County tax bill?
Failure to receive a statement does not cancel the tax, due date, lien, penalty or interest. If you have not received the statement by November 1, use the online tax-account search or contact Collin County Property Tax at 972-547-5020.
10. Where can I search Collin County deeds and property liens?
Use the Collin County Clerk Land Recordings and Deed Search systems. Recorded documents can be searched by party name, instrument number or volume/page. If you only know the street address, the County Clerk recommends using Collin CAD first to identify the property.
Editorial verification completed August 11, 2026: current official sources were reviewed for Tax Assessor-Collector Scott Grigg, CCAD property-search fields, 2026 appraisal notices and protest deadline, appraisal-roll certification, homestead filing and cap rules, statewide $140,000 school homestead exemption, $60,000 additional school exemption for qualifying age-65/disabled homeowners, tax-payment rules, partial payments, installment dates, delinquency penalties, tax-transparency workflow and County Clerk land-record search procedures.
CountyPropertyAppraiser.org is an independent informational website. It is not affiliated with Collin County, the Collin County Tax Assessor-Collector, Collin Central Appraisal District, Collin Appraisal Review Board, Collin County Clerk, any city, school district, MUD, WCID, Collin College, Texas Comptroller or payment provider.
Appraised values, taxable values, exemption amounts, tax rates, payment fees, office locations, deadlines, protest remedies and local taxing entities can change. Use the responsible official government system for final appraisal, exemption, tax, payment, title and legal-record decisions.
County Property Search, Homestead & Tax Help Toolkit
Use this free helper to find the right county office, prepare a property search, understand appraised value,
review homestead exemption steps, and organize TRIM notice or tax bill questions before using official county websites.
Built for Florida county property guides
Helps users find official resources
No fake database or approval claim
Useful after every article
Find the Correct County Office
Property Appraiser, Tax Collector, Clerk, GIS, and VAB offices do different jobs. Pick your task below.
Quick rule: Property Appraiser = value, records, parcel details, exemptions. Tax Collector = bill and payment.
Clerk/Recorder = deeds and recorded documents. VAB = formal value disputes.
Official Property Search Helper
Use this when a county article tells you to search by owner, address, parcel number, folio, PCN, STRAP, or alternate key.
Search tip: If address search fails, try only the house number and main street name. Avoid typing Street, Avenue, Road,
Drive, unit numbers, or punctuation unless the official portal requires it.
Homestead Exemption Readiness Check
This helps homeowners prepare before filing through the official county Property Appraiser website.
Important: This is not an eligibility decision. The official county Property Appraiser decides approval,
required documents, late filing options, and exemption status.
TRIM Notice & Value Review Helper
Use this to organize your questions before calling the Property Appraiser or preparing an appeal.
Your preparation checklist
Value term
Simple meaning
Market value
The appraiser’s estimate of the property’s value as of the assessment date.
Assessed value
The value after limits or caps may be applied.
Exemptions
Approved reductions such as homestead or other exemptions.
Taxable value
The value used by taxing authorities after exemptions.
Property Tax Bill Direction Helper
The Property Appraiser values property, but the Tax Collector usually handles the actual bill and payment.
Florida timing reminder: Many Florida tax bills are mailed around November and become delinquent if unpaid after March 31.
Always verify exact dates, discounts, and payment fees with the official county Tax Collector.
County Office Call Script Generator
Generate a simple call or email script so you can ask the right office the right question.