Minneola, FL · Updated Oct 2026

What a Minneola house pays

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

Sent only to free public map services to find who serves it. Not stored unless you save your house.

Example · a Minneola house

$12,531a year · $1,044 a month

Starts at the typical market value, $420,800; your assessed value is often lower. Typical use.

Property tax$6,620
1.749% of $420,800, less $25,000 homestead exemption and less $26,411 additional homestead exemption
Flat charges on the tax bill$59
City of Minneola fire protection assessment $59
Electricity$2,197
1104 kWh a month $2,035 · City of Minneola 8% public service tax on electricity (Duke's franchise fee not included) $163
Water and sewer$725
7,000 gallons a month on City of Minneola Water Department: water $16, sewer $40, stormwater service fee $4 a month
Trash$281
96-gallon garbage cart (plus recycling and yard debris collection), $23 a month
Home insurance$2,650
Typical premium $2,650

A Minneola house at the typical market value ($420,800) pays about $12,500 a year: $6,680 property tax and charges, $720 water and sewer, $280 trash, $2,200 electricity, $2,650 home insurance. Estimated from public rates, not anyone's actual bill.

Rates checked Oct 21, 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 the assessed valueUp to $50,000 off assessed value
Florida law provides an additional exemption (up to $50,000 off the assessed value) for Senior Citizens, over 65, with certain income limitations. 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 between January 2 and March 1.
$5,000 exemptions for widows and widowers and for totally and permanently disabled owners$5,000 off assessed value
The widow/widower exemption and the disability exemption each reduce the assessed value of your property 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: $5,000 exemption$5,000 off assessed value
This exemption reduces the assessed value by $5,000 for a Florida resident honorably discharged veteran with a service-connected disability of 10 percent or more.
How: Apply by March 1 of the year you wish the exemption to begin, with a letter from the U.S. Government or the 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. Homes in the Hills of Minneola, Founders Ridge or Sugarloaf community development districts also pay CDD assessments on the tax bill (Hills of Minneola FY 2027: about $1,400 to $2,100 a year for a single-family lot, maintenance plus bond debt); those are not included. Check your own tax bill.

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 bill. An electric car adds about 300 kWh.

Money dates

Nov 1in 9 daysLake 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).
Mar 1Deadline 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.

Who serves this house

Water: City of Minneola Water Department; City of Minneola inside-city rates: a $7.00 minimum charge covers 0 to 1,999 gallons a month, then a rate per 1,000 gallons in five usage steps
Property tax: 1.75% of value; 2026 tax year (fiscal year 2026-27), Lake County final millage, taxing authority code 00MI (Minneola)
Garbage: GFL Environmental Services, Inc.; Collected twice a week; the charge is on the monthly City utility bill
Sewer: City of Minneola; $15.40 base charge plus $3.71 per 1,000 gallons
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: The water comes from the Floridan Aquifer; the department produces an average of 2.8 million gallons a day.
Customers: The water system serves approximately 4,180 customers in the city and surrounding county area.

Other FL cities

How these numbers are made

Florida tax bills are public, but we calculate yours from public rates and the value you enter.
Property tax: 17.4875 mills in total for Lake County taxing authority code 00MI (City of Minneola), 2026 final rates from the Lake County Property Appraiser: Lake County general fund 5.0254, voted debt service 0.0719, 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 Minneola 5.4000. We add one flat yearly charge: the City of Minneola fire protection assessment, $59.00 per dwelling unit for fiscal year 2026-27 (Resolution 2026-21, adopted September 10, 2026 with the residential rate unchanged), which the Lake County Tax Collector bills as a non-ad valorem assessment. Homes in Minneola's community development districts (Hills of Minneola, Founders Ridge and Sugarloaf) also pay CDD maintenance and bond assessments on the tax bill: Hills of Minneola's FY 2027 adopted budget sets $36.34 general fund plus $53.14 to $798.51 of maintenance and $830.47 to $1,859.15 of debt for single-family lots on the tax roll, $1,399.15 to $2,108.30 in all, depending on lot width and phase. None of the CDD charges is in the totals.
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; the Save Our Homes cap keeps many homesteads' assessed value lower, so enter your assessed value.
Water, sewer, garbage and stormwater (City of Minneola): water $7.00 a month covering the first 1,999 gallons, then $1.85, $2.00, $2.50, $3.00 and $3.50 per 1,000 gallons in steps at 5, 12, 20 and 30 thousand gallons (the schedule prices per gallon band; we price each 1,000 gallons from 2,000 up at its band rate); sewer $15.40 a month plus $3.71 per 1,000 gallons with no cap or included gallons; garbage $23.41 a month; stormwater $4.00 a month. The sewer and water schedules are from the City's published code pages (ordinances of 2004 and 2005) and match the base charges on the City's billing page; outside-city customers pay 25% more. Irrigation is billed as ordinary water.
Electricity: Duke Energy Florida RS-1 effective October 1, 2026, $14.43 a month plus per-kWh charges, with the winter and non-winter non-fuel rates weighted 3 and 9 months, plus the BA-1 fuel charge and cost recovery factors. Minneola has electric franchise agreements with both Duke Energy and SECO Energy, so some addresses are served by SECO and are not modeled. We add the 8% municipal public service tax on electricity from the Florida Department of Revenue database. Duke Energy also collects a franchise fee from its Minneola customers and pays it to the City; we could not find the rate in Minneola's franchise ordinance, so that fee is not included and the electricity estimate is somewhat low. Typical use, 1,104 kWh a month, is EIA's 2024 Florida residential average. Natural 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 and is not included.
Nothing here is legal, tax or insurance advice.

Sources

How Minneola compares

A typical Minneola house against the 53 Florida cities we cover, using the same default numbers as the total above.

Per year	Minneola	Median	Where it falls
Property tax rate	1.75%	1.78%	lower than 34 of the other 52 Florida cities we cover
Water	$192	$515	lower than 52 of the other 52 Florida cities we cover
Sewer and utility-bill fees	$533	$901	lower than 47 of the other 51 Florida cities we cover
Trash	$281	$364	lower than 42 of the other 51 Florida cities we cover
Electricity and gas	$2,197	$1,953	higher than 46 of the other 52 Florida cities we cover
Home insurance	$2,650	$3,733	lower than 47 of the other 51 Florida cities we cover
Total	$12,531	$12,935	lower than 28 of the other 52 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 $192 a year at typical use, lower than 52 of the other 52 Florida cities we cover.

Ask: "Water here costs about $192 a year at typical use, lower than 52 of the other 52 Florida cities we cover. What drives that cost, and would you change anything?"

2. Sewer and utility-bill fees

The fact: Sewer and flat utility-bill charges here come to about $533 a year, lower than 47 of the other 51 Florida cities we cover. Some cities bill sewer on the property tax bill instead, which is not counted here.

Ask: "Sewer and flat utility-bill charges here cost about $533 a year, lower than 47 of the other 51 Florida cities we cover. What drives that cost, and would you change anything?"

3. Trash

The fact: Trash pickup here costs about $281 a year for the standard cart, lower than 42 of the other 51 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 $281 a year for the standard cart, lower than 42 of the other 51 Florida cities we cover. What drives that cost, and would you change anything about the service or the price?"

4. Electricity and gas

The fact: Electricity and gas for a typical house here cost about $2,197 a year, higher than 46 of the other 52 Florida cities we cover. Rates are set mostly by the utility and the state.

Ask: "Electricity and gas here cost about $2,197 a year for a typical house, higher than 46 of the other 52 Florida cities we cover. Which parts of that can the city influence, and what would you do about them?"

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Common questions about Minneola house costs

What is the property tax rate in Minneola?

About 1.75% of the value before exemptions a year (2026 tax year (fiscal year 2026-27), Lake County final millage, taxing authority code 00MI (Minneola)), plus flat charges on the same bill (City of Minneola fire protection assessment $59).

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

About $8,064 a year on $500,000 of the value before exemptions with the homestead exemption, including $59 of flat charges.

How much is the water bill in Minneola?

About $60 a month for water and sewer at typical use (7,000 gallons a month) on City of Minneola Water Department.

How much does trash pickup cost in Minneola?

$23 a month for a house.

Can seniors lower their property tax or bills in Minneola?

Yes. Seniors 65+ with limited income: up to $50,000 off the assessed value: Florida law provides an additional exemption (up to $50,000 off the assessed value) for Senior Citizens, over 65, with certain income limitations. Lake County and the City of Minneola have authorized this exemption up to the full $50,000.

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

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