Groveland, FL · Updated Oct 2026

What a Groveland home costs each year

Property tax, water, trash and energy from public rates. Look up your address to make it yours, and see how to pay less.

Suggestions as you type come from Google; the lookup uses free public map services to find who serves it. Not stored unless you save your house.

Example · a Groveland house

$12,338a year · $1,028 a month

Starts at the typical market value, $365,800; your assessed value is often lower. Typical use.

Property tax$5,689
1.759% of $365,800, less $25,000 homestead exemption and less $26,411 additional homestead exemption
Flat charges on the tax bill$326
City of Groveland fire protection and rescue assessment (home of 1,500 to 1,999 sq ft) $326
Electricity$2,238
1104 kWh a month $2,035 · City of Groveland public service tax $203
Water and sewer$1,117
7,000 gallons a month on City of Groveland: water $28, sewer $65 a month
Trash$318
95-gallon trash can (plus two 18-gallon recycling bins), $26 a month
Home insurance$2,650
Typical premium $2,650

A Groveland house at the typical market value ($365,800) costs about $12,400 a year: $6,020 property tax and charges, $1,120 water and sewer, $320 trash, $2,240 electricity, $2,650 home insurance. Estimated from public rates, not anyone's actual bill.

Rates checked Oct 28, 2026. Insurance: what you enter, or a typical premium until you do. Sources are listed at the bottom.

Ways to pay less

Nothing here applies to every house automatically. These are worth checking:

Seniors 65+ with limited income: up to $50,000 off assessed valueUp to $50,000 off assessed value
Florida law provides an additional exemption of up to $50,000 off the assessed value for homeowners over 65 who are permanent Lake County residents with a homestead exemption and whose adjusted gross household income does not exceed $38,686. Lake County and the City of Minneola have authorized this exemption up to the full $50,000.
How: Apply to the Lake County Property Appraiser during the application filing period of January 2 to March 1.
$5,000 exemptions for widows and widowers and for totally and permanently disabled people$5,000 off assessed value
The widow/widower exemption and the disability exemption each reduce the assessed value by $5,000.
How: Apply to the Lake County Property Appraiser by March 1; the widow/widower exemption needs a copy of the death certificate, the disability exemption Form DR-416 or a Social Security letter.
Veterans with a service-connected disability: exemptions$5,000 off, or tax exempt
Veterans who are Florida residents, were discharged under honorable conditions and have a service-connected disability of 10 percent or more can get $5,000 off the assessed value. Real estate owned and used as a homestead by a veteran who was honorably discharged with a service-connected total and permanent disability is exempt from taxation if the veteran is a permanent resident of Florida on January 1 of the year the exemption is claimed.
How: Applicants must provide a letter from the U.S. Government or U.S. Department of Veterans Affairs as proof.
Pay your tax bill by November 30 for 4% off4% off the bill
The Lake County Tax Collector gives a 4% discount if paid in full by November 30, 3% by December 31, 2% by January 31 and 1% by February 28.
How: Pay the Lake County Tax Collector; for mailed payments, the postmark sets the discount.

Adjust to match your bills

What you know

Value before exemptionsUse the assessed value on your TRIM notice or property record card: with the Save Our Homes cap, a long-held homestead is often assessed well below market value. The fire assessment is by home size (about $259.50 under 500 sq ft up to $532.78 at 5,000 sq ft or more) and the amount shown is the 1,500 to 1,999 sq ft tier. Homes in Groveland's community development districts (for example Cascades of Groveland, Cypress Bluff, Lake Emma, Sunstone, Estates at Cherry Lake, Cypress Reserve) also pay CDD assessments on the tax bill; none is included.

I live here and have the Homestead exemption and Additional homestead exemption

Home insurance, a yearFrom your policy. We start at $2,650, Florida Office of Insurance Regulation, July 2026 Insurer Stability report: Lake County average homeowners premium including wind, data as of March 31, 2026.

Your use

Water, thousands of gallons a month

On your water bill. A typical house uses 5,000–8,000 gallons.

Electricity, kWh a month

On your Duke Energy Florida customers (the city is also served by SECO Energy) bill. An electric car adds about 300 kWh.

Money dates

Mar 1in 117 daysDeadline to apply for the homestead exemption with the Lake County Property Appraiser.
Mar 31The gross amount of the property tax bill must be paid by March 31.
Apr 1Unpaid taxes become delinquent on April 1, when 3% statutory interest is added.
Nov 1Lake County property tax collection begins November 1; paying in full by November 30 takes 4% off (3% by December 31, 2% by January 31, 1% by February 28).

Who serves this house

Water: City of Groveland; City of Groveland approved monthly utility rates effective October 1, 2025: a flat monthly base charge for residential customers plus four usage tiers per 1,000 gallons
Property tax: 1.76% of value; 2026 tax year (fiscal year 2026-27), Lake County final millage, taxing authority code 00GR (Groveland)
Garbage: Waste Connections of Florida; $26.47 a month for one 95-gallon trash can; two 18-gallon recycling bins provided
Sewer: City of Groveland; $25.71 a month plus $5.81 per 1,000 gallons up to 8,000 gallons (rates effective Oct 1, 2025)
Electricity: Duke Energy Florida (the city is also served by SECO Energy); Duke Energy Residential Service (RS-1): $14.43 customer charge a month plus per-kWh charges
Schools: Lake County School Board; 6.0540 mills for 2026 (3.0560 state required local effort plus 2.9980 local)

Pay or manage your bills

Your water

Source: Groundwater from the Floridan Aquifer, drawn from ten wells and chlorinated for disinfection.
Source water assessment: A 2025 state Source Water Assessment identified 20 potential sources of contamination for this system, with low to moderate susceptibility levels.
Lead service lines: The City's inventory found zero lead service lines among its 10,165 water connections.

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How these numbers are made

Florida tax bills are public, but we calculate yours from public rates and the value you enter.
Property tax: 17.5875 mills in total for Lake County taxing authority code 00GR (City of Groveland), 2026 final rates from the Lake County Property Appraiser: Lake County general fund 5.0254, voted debt service 0.0719 and ambulance MSTU 0.4629, Lake County Water Authority 0.2940, Lake County School Board 6.0540 (3.0560 required local effort plus 2.9980 local), St. Johns River Water Management District 0.1793 and City of Groveland 5.5000. Groveland has its own fire department, so the county fire MSTU is not charged.
Fire assessment: the City of Groveland charges a yearly fire protection and rescue assessment on the property tax bill, by home size. We use $326.06, the 1,500 to 1,999 sq ft rate in the City's Resolution 2025-42; this is the 2025-26 rate; the 2026-27 rate was not yet published on the City's Fire Assessment page. Homestead takes $25,000 off all taxes and up to $26,411 more off non-school taxes. The starting value is the Census median market value; enter your assessed value from your TRIM notice. CDD assessments in some neighborhoods are not in the totals.
Water and sewer (City of Groveland rates effective October 1, 2025): water $11.04 a month plus $1.82, $3.63, $4.24 and $7.25 per 1,000 gallons in tiers up to 4,000, 8,000 and 12,000 gallons; sewer $25.71 a month plus $5.81 per 1,000 gallons up to 8,000 gallons (we price sewer on water use up to 8,000 gallons; the $7.25 rate above that is not modeled). The City's schedule shows water, sewer and irrigation increases for October 1, 2026 (sewer base $28.28), but the City's page says the planned October 1, 2026 increases are on hold and expected to be frozen until January 1, 2027, so the 2025 water and sewer rates are used. Garbage: $26.47 a month for a 95-gallon can, added to the City utility bill. Irrigation meters are not included. The City's utility bill page lists water, sewer, irrigation, reclaimed water and garbage charges and no stormwater line.
Electricity: Duke Energy Florida RS-1 effective October 1, 2026, $14.43 a month plus per-kWh charges, a weighted average of 3 winter months and 9 months March through November, plus the fuel charge and cost recovery factors. We add Groveland's 10% public service tax (Florida Revenue database, capped at $5,000 of tax a year); no Groveland electric franchise ordinance or fee percent was found in the City's published documents, so no franchise fee is added; if the City charges one it would appear as a separate line on Duke bills. Electric figures are for Duke Energy Florida addresses only; SECO Energy customers in Groveland have different rates that are not modeled. Typical use, 1,104 kWh a month, is EIA's 2024 Florida residential average. Gas is not modeled.
Insurance: Florida OIR's Lake County average homeowners premium with wind coverage ($2,650, data as of March 31, 2026); flood insurance is a separate policy.
Nothing here is legal, tax or insurance advice.

Sources

How Groveland compares

A typical Groveland house against the 76 Florida cities we cover, using the same default numbers as the total above.

Per year	Groveland	Median	Where it falls
Property tax rate	1.76%	1.79%	lower than 43 of the other 75 Florida cities we cover
Water	$339	$466	lower than 59 of the other 75 Florida cities we cover
Sewer and utility-bill fees	$778	$836	lower than 46 of the other 74 Florida cities we cover
Trash	$318	$369	lower than 57 of the other 72 Florida cities we cover
Electricity and gas	$2,238	$1,953	higher than 67 of the other 75 Florida cities we cover
Home insurance	$2,650	$3,702	lower than 65 of the other 72 Florida cities we cover
Total	$12,338	$12,804	lower than 44 of the other 75 Florida cities we cover

Cities bill differently (some put trash on the tax bill, some cover more services), so a higher number isn't necessarily worse. The property tax rate is compared instead of dollars because house values differ.

Questions to ask your candidates

Each one starts from a number above. Any candidate can answer them.

1. Water

The fact: Water here costs about $339 a year at typical use, lower than 59 of the other 75 Florida cities we cover.

Ask: "Water here costs about $339 a year at typical use, lower than 59 of the other 75 Florida cities we cover. What drives that cost, and would you change anything?"

2. Trash

The fact: Trash pickup here costs about $318 a year for the standard cart, lower than 57 of the other 72 Florida cities we cover. Where trash is billed through the tax bill or a separate hauler, it is not counted here.

Ask: "Trash pickup here costs about $318 a year for the standard cart, lower than 57 of the other 72 Florida cities we cover. What drives that cost, and would you change anything about the service or the price?"

3. Electricity and gas

The fact: Electricity and gas for a typical house here cost about $2,238 a year, higher than 67 of the other 75 Florida cities we cover. Rates are set mostly by the utility and the state.

Ask: "Electricity and gas here cost about $2,238 a year for a typical house, higher than 67 of the other 75 Florida cities we cover. Which parts of that can the city influence, and what would you do about them?"

See who is running in your city →

Common questions about Groveland house costs

What is the property tax rate in Groveland?

About 1.76% of the value before exemptions a year (2026 tax year (fiscal year 2026-27), Lake County final millage, taxing authority code 00GR (Groveland)), plus flat charges on the same bill (City of Groveland fire protection and rescue assessment (home of 1,500 to 1,999 sq ft) $326).

How much is property tax on a $500,000 house in Groveland?

About $8,376 a year on $500,000 of the value before exemptions with the homestead exemption, including $326 of flat charges.

How much is the water bill in Groveland?

About $93 a month for water and sewer at typical use (7,000 gallons a month) on City of Groveland.

How much does trash pickup cost in Groveland?

$26 a month for a house.

Can seniors lower their property tax or bills in Groveland?

Yes. Seniors 65+ with limited income: up to $50,000 off assessed value: Florida law provides an additional exemption of up to $50,000 off the assessed value for homeowners over 65 who are permanent Lake County residents with a homestead exemption and whose adjusted gross household income does not exceed $38,686. Lake County and the City of Minneola have authorized this exemption up to the full $50,000.

How much does a house in Groveland cost to run each year?

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