Replace: This submit is a piece in progress as each step takes fairly a while. As of early February, I’ve submitted a Written Attraction given what ChatGPT has supplied and can replace this submit with the outcomes after they are available in.
In Maryland, your property is assessed each three years and your property taxes are primarily based on that evaluation. We final handled this in 2023 and the enchantment was profitable.
I contested it primarily based on Qualify Issue, which was a multiplier used on our base evaluation. The state felt we have been a 6, which meant you multiplied your base worth by 1.37. We lowered it to a 5, which is a multiplier of 1.17. That resulted in massive financial savings (20%!).
This yr, we will’t do this as a result of we’re nonetheless at a Qualify Issue of 5.
Three years in the past, I spent just a few hours studying the way it all labored however this time, I wished to see if ChatGPT might give me a hand. I do know the method of an enchantment however ChatGPT might give me perception into the way it all actually labored… and it delivered. And I filed an enchantment in about ten minutes.
First, I requested our Residential Worksheet and the Comparable Gross sales Listing used for my evaluation from Maryland. Then, I fed the paperwork into ChatGPT and had it analyze my possibilities and inform me precisely what to do.
📒 If you wish to contest your taxes however don’t need to do it your self, Ownwell might be able to assist. If out there in your state, they will contest it for you and also you solely pay a share of what they prevent in taxes. Nothing up entrance.
Desk of Contents
ChatGPT Recognized Attraction Targets
The Residential Worksheet gave ChatGPT sufficient details about our property to match it with the gross sales record and see if there have been areas we might contest.
Right here’s what it stated concerning the comparable gross sales:
Your Space Gross sales Itemizing (Neighborhood XXXXXXXX.XX) is gold
Right here’s what jumps out instantly from that sheet:
A. Latest Gross sales Cluster Decrease Than Your Evaluation
Many 2023–2025 arms-length gross sales in your precise neighborhood code present:
- Sale costs generally between:
$775k – $1.05M- A number of large-lot properties (5–10 acres) promoting nicely beneath your assessed worth
- Properties with:
- Related classic (Nineteen Seventies–Nineteen Nineties)
- Related or bigger dwelling space
- Related acreage
- Usually equal or higher high quality rankings
But SDAT locations you at $1.3M.
That hole is the core of your enchantment.
For context, we stay in an space the place massive lot properties are typically a lot older as a result of they pre-date the huge quantity of constructing that has occurred the final twenty or thirty years. Many of the new single-family houses now are on half acre heaps or, at most, three acre heaps.
We’re a home in-built 1990 on 10 acres and it’s solely so many acres as a result of it’s uneven, woody, and (fortunate for us) too costly to subdivide and construct.
So if you recognize the realm, that is all true and the precious argument believable.
ChatGPT additionally recognized doubtless errors:
3. Possible Evaluation Errors / Stress Factors
These are the arguments that sometimes land:
🔹 1. Overstated Market Adjustment Components
SDAT utilized:
- County Multiplier: 1.60
- High quality Issue: 1.17
- Neighborhood Adjustment: 1.10
👉 Mixed, these inflate base value dramatically.
Your comps counsel market costs did NOT rise at that fee for related houses.
ChatGPT additionally picked out just a few line objects that appeared aggressively excessive – like a completed basement valuation and pool.
ChatGPT even gave you a way of what could possibly be saved:
5. What a Reasonable Win Appears Like
Typical profitable outcomes in Howard County:
- 5–15% discount at Supervisor degree
- In your evaluation:
- 10% = ~$136,000 discount
- That’s actual tax financial savings yearly
If Supervisor evaluate fails, you possibly can escalate to:
- Property Tax Evaluation Appeals Board (PTAAB)
…however most individuals by no means must.
Submitting a Written Attraction
Should you don’t know how you can enchantment your property taxes, ChatGPT can provide you step-by-step directions.
Step one in Maryland’s enchantment course of is to go to the web enchantment portal and file a written enchantment, typically generally known as a Supervisor’s Overview.
In Maryland, it’s a web-based kind with a easy textual content field. ChatGPT can put collectively a canopy letter with attachments (just like the gross sales record with highlighting to establish precise comps) in case your state permits it.
For now, I’ll merely ask ChatGPT for what to stick into the shape and that is what it prompt:
I’m requesting a Supervisor’s Overview as a result of the assessed market worth of my property seems overstated.
The present whole assessed worth is $1,300,000 ($400,000 land and $900,000 enhancements). Primarily based on latest arms-length gross sales inside Neighborhood Code XXXXXXX.XX, properties with related age, high quality, acreage, and dwelling space have bought for materially lower than my evaluation.
A number of comparable gross sales from 2023–2025 on this neighborhood present market values considerably beneath my assessed worth, together with houses of comparable dimension (roughly 3,500–4,500 sq ft) on massive acreage (5–10+ acres). These gross sales counsel that the utilized county multiplier and neighborhood adjustment exceed noticed market pricing.
As well as, contributory worth assigned to sure options (completed basement and in-ground pool) seems larger than supported by market knowledge, as comparable properties don’t exhibit proportional worth premiums for these things.
Primarily based on these comparable gross sales, I imagine a extra correct market worth as of the evaluation date is $__________. I respectfully request a evaluate and adjustment to align the evaluation with precise market worth.
I’m completely happy to offer an in depth comparable-sales grid, images, and supporting documentation upon request.
Observe the clean – ChatGPT prompt totally different values primarily based on how conservative or aggressive I wished to be. I stated aggressive and record 3-5 comps as examples… since you don’t get what you don’t ask for!
Right here’s how ChatGPT up to date the be aware:
I’m requesting a Supervisor’s Overview as a result of the assessed market worth of my property seems overstated.
The present whole assessed worth is $1,300,000 ($400,000 land and $900,000 enhancements). Primarily based on latest arms-length gross sales inside Neighborhood Code XXXXXXX.XX, properties with related age, high quality, acreage, and dwelling space have bought for materially lower than my evaluation.
Comparable neighborhood gross sales from 2023–2025 embody:
• Sale in March 2024 for about $775,000 (improved property on acreage)
• Sale in June 2024 for about $850,000
• Sale in September 2024 for about $900,000
• Sale in March 2025 for about $1,050,000
• Sale in June 2025 for about $1,100,000These properties are situated inside the similar neighborhood code and replicate market costs nicely beneath my assessed worth, regardless of related traits. The utilized county multiplier and neighborhood adjustment due to this fact seem to overstate present market circumstances.
As well as, contributory worth assigned to sure options (together with the completed basement and in-ground pool) seems larger than supported by market proof, as comparable properties don’t exhibit proportional worth premiums for these things.
Primarily based on these comparable gross sales, I imagine a extra correct market worth as of the evaluation date is $1,160,000, and I respectfully request an adjustment to replicate precise market worth. Supporting comparable gross sales knowledge and documentation can be found upon request.
And that’s what I submitted. We’ll see what the board says!
Attraction Outcomes [TBD]
It can take fairly a while for Maryland to answer my request, particularly given all the opposite appeals, however I’ll replace this part with their response and what I’ll do subsequent.
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