How To File A Homestead Exemption In The Woodlands

Confused about Texas homestead exemptions or worried you might miss an important date? You are not alone. If you own a home in The Woodlands, a homestead exemption can lower your taxable value and reduce your property tax bill. In this guide, you will learn who qualifies, what documents you need, and exactly how to apply through the Montgomery Central Appraisal District. Let’s dive in.

What a homestead exemption does

A Texas residence homestead exemption reduces the taxable value of your primary home, which can lower your property taxes. It applies to certain taxing units, including school districts, and there are additional options for seniors, disabled homeowners, and disabled veterans. For a clear overview of what the exemption covers and who qualifies, review the Texas Comptroller’s guidance on homestead exemptions and eligibility.

Who qualifies in The Woodlands

To qualify for the current tax year in Montgomery County, you must both own and occupy the property as your principal residence on January 1 of that year. You can claim only one residence homestead exemption at a time. If you own multiple homes, you must choose which one is your principal residence.

Ownership form matters. Homes held in a revocable living trust where you are the grantor and occupant often qualify when you provide ownership evidence. Properties owned by corporations or LLCs generally do not qualify. If you turn 65 or if you have a qualifying disability, you can apply for additional exemptions that can further reduce taxes.

What you need to apply

Gather the following before you file with the Montgomery Central Appraisal District (MCAD):

• Completed residence homestead application form. Texas uses a standard form that many appraisal districts accept. You can find it through the Comptroller’s homestead exemptions page.
• Proof of ownership, such as a recorded deed or your closing disclosure. MCAD may also verify ownership from county records.
• Proof of occupancy showing the property is your principal residence. Provide a Texas driver’s license or Texas ID with the property address. If your ID is not updated yet, include other proof like a voter registration card, vehicle registration, or utility bills in your name.
• Government‑issued photo ID for the owner signing the application. Some applications ask for a Social Security number or last four digits to verify identity.
• If an agent files for you, include a signed authorization and copies of your ID.
• For over‑65 or disabled exemptions, include proof of age or disability as specified on the application.

Practical tip for recent buyers: If your deed has not posted in county records yet, apply by the deadline with your closing disclosure and note that the recorded deed is pending. Provide the recorded deed once available.

How to file with MCAD

MCAD administers homestead exemptions for properties in The Woodlands. You can typically file in one of three ways. Check the MCAD website and look for the Exemptions or Forms section for current instructions.

Option 1: Apply online

If MCAD offers an online portal, create an account, select the residence homestead application, and upload your documents. Keep digital copies of everything you submit and save your confirmation.

Option 2: Apply by mail

Print the homestead application form, complete and sign it, and mail it with copies of your supporting documents to MCAD. Use a trackable mailing method and keep a copy of the full packet.

Option 3: Apply in person

You can submit your form and copies of documents at MCAD’s office. Some appraisal districts require appointments, so check the site before you go.

After you submit, MCAD will review ownership and occupancy, then send you an approval letter or a notice if they need more information.

Key dates and timing

• You must own and occupy your home on January 1 of the tax year you are applying for.
• The filing deadline is April 30 each year.
• Apply early. Processing can take several weeks once your submission is complete.

Recommended calendar reminders:

• Jan 2: Confirm you owned and occupied on Jan 1.
• Apr 1: Finish gathering documents and complete your application.
• Apr 15: Final reminder to submit.
• Apr 30: Deadline to file with MCAD.

If you miss the deadline, submit your application as soon as possible and contact MCAD to confirm options for your situation.

Common buyer and seller scenarios

• Closed and moved in before Jan 1: You are generally eligible for that tax year. File by Apr 30.
• Purchased after Jan 1: Plan to apply for the next tax year, assuming you own and occupy on Jan 1 of that year.
• Moving during the year: The exemption applies only to the property you occupied on Jan 1. Notify MCAD if you change your primary residence.
• Multiple properties: Only one residence homestead at a time is allowed in Texas.
• Trusts and LLCs: Revocable living trusts where you are the grantor and occupant may qualify with proper documentation. Properties owned by LLCs generally do not qualify.

Special exemptions you may qualify for

If you are over 65 or have a qualifying disability, you may be eligible for additional exemptions and a school tax ceiling. Disabled veterans and certain surviving spouses may also qualify for significant exemptions. These programs require separate forms and documentation. For a summary of these options, review the Comptroller’s overview of homestead exemption types and qualifications, then obtain the specific form from MCAD.

What to expect after you file

MCAD will verify your ownership and occupancy. If approved, the exemption will appear on the appraisal roll for that tax year and on your future tax statements. You do not usually need to reapply each year as long as you continue to own and live in the home. Keep your approval letter in your records and notify MCAD if your ownership or occupancy changes.

You will see the tax effect once tax rates are set and bills are issued by the local taxing units. If you have questions about tax bills or payment deadlines, the Montgomery County Tax Office can help.

Quick checklist

1. Confirm you owned and occupied on Jan 1.
2. Gather documents: application, proof of ownership, proof of occupancy, and ID.
3. Submit to MCAD online, by mail, or in person by April 30.
4. Save copies and watch for your approval letter. Follow up with MCAD if you do not receive status updates after several weeks.

Need help estimating how a homestead exemption could affect your property taxes in The Woodlands or want reminders for key dates? Reach out to Lauren Patton to schedule a free consultation and get step‑by‑step guidance tailored to your situation.

FAQs

When do I need to own and live in the home to qualify?

• You must own and occupy the property as your principal residence on January 1 of the tax year you want the exemption for.

Do I have to reapply every year in Montgomery County?

• No. Once granted, your residence homestead exemption usually remains in place while you continue to own and occupy the home. Notify MCAD if anything changes.

Can my title company file my homestead exemption for me?

• Sometimes. Some title companies submit applications, but you should confirm and keep copies. If they do not file, you must apply with MCAD.

What if my Texas driver’s license has my old address?

• Provide other proofs of occupancy, such as a voter registration card, vehicle registration, or utility bills. You may be asked to update your ID after approval.

How long before I see lower taxes after approval?

• The exemption reduces your taxable value for that tax year. You will see it reflected on MCAD notices and future tax bills after rates are set and bills are issued.

What if I miss the April 30 filing deadline?

• File as soon as possible and contact MCAD to discuss your options. Missing the deadline can mean waiting until the next tax year for the exemption.