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Banks and mortgage companies traditionally use a mortgage servicer, who acts as a "middleman" between the tax collector and the bank or mortgage company. The mortgage servicer compiles all the payments for the banks and mortgage companies it services, and it transmits one or more large payment files to the tax collector electronically.
If your bank or mortgage company states the taxes are paid and our website does not reflect a "paid" status yet, it is most likely because the mortgage servicer has not compiled all the payments and transmitted them to the tax collector yet. The mortgage servicer has until the last day of the discount period to transmit its payment file to the tax collector, and processing can take ten days to two weeks for the tax collector to post. Property owners should check with their bank or mortgage company to verify that payment has been sent to the tax collector or the mortgage servicer. Florida Statute 501.137 requires that property taxes be paid during the 4% discount period to allow property owners the maximum discount. However, the 4% discount applies to payment files postmarked (or received) by the last day of the discount period.