Property-specific beats portfolio every time

See how lowering.tax compares to contingency-fee services like Ownwell and Five Stone Tax Advisors.

lowering.tax
Contingency services
Pricing
Flat $49
25-40% of savings
Most services take a percentage of your tax reduction. On a $2,000 savings, that's $500-$800. We charge $49 regardless of outcome.
Evidence
Property-specific evidence packet
Generic comp-based argument
We interview you about YOUR property — roof age, HVAC condition, drainage issues, foundation problems. Competitors file the same neighborhood-level comp analysis for every house on the block.
Interview
AI-powered with photo analysis
No interview or phone call
Our interview captures 7 categories of evidence the county doesn't have. You can upload photos of condition issues and our AI analyzes them on the spot. Portfolio services never ask a single question about your property.
Who files
You are the legal filer
They file as your agent
When a company acts as your agent (Form 50-162), the ARB knows it's a volume operation. Owner-filed protests carry more weight because the board knows you showed up for YOUR home.
Approach
1 property, 1 case
100+ properties per hearing
Portfolio services send one person to represent 100 properties at a time. Your 22-year-old HVAC and cracked foundation get 90 seconds. We build a case that stands on its own.
Transparency
Download your full evidence packet
You never see what was filed
You review, sign, and download everything we file — the Form 50-132, the evidence packet with comps, photos, and condition adjustments. Most services never show you what they submitted.
Photos
Upload during interview, AI-analyzed
Not accepted
A photo of your 20-year-old roof or original kitchen is worth more to an ARB panel than a spreadsheet of comps. We include photos in the evidence packet with condition analysis.
Exemption alerts
Flags missing homestead exemptions
Not their problem
If you're missing a homestead exemption, that could be worth more than the protest itself. We flag it so you don't leave money on the table.

Switching from another service?

Ownwell charges 25% of your tax savings and files as your agent. They use portfolio-level comp analysis across thousands of properties. lowering.tax charges a flat $49, interviews you about your specific property conditions, and builds an evidence packet with photos, condition adjustments, and equity analysis. You file as the homeowner, not through an agent.

Five Stone charges a contingency fee and represents you as your agent at ARB hearings. They handle high volumes of properties with standardized arguments. lowering.tax is self-serve software that builds a property-specific case for $49. We capture evidence like HVAC age, roof condition, and functional obsolescence that volume services skip.

When an agent files Form 50-162, the Appraisal Review Board knows they're seeing the same company for the 50th time that day. Owner-filed protests signal that a real homeowner took the time to document their case. The evidence packet we build gives you the substance to back that up.

Scale. When you represent 50,000 properties, you can't interview each homeowner. So they rely on comps alone. The problem is that comps tell the county what similar homes sold for — they don't tell the county about your leaking foundation, your 25-year-old HVAC, or the commercial construction next door.

Many of our users switched from contingency services. If your prior service got a reduction, great — but ask yourself: did they know about your roof condition? Your original kitchen? Your drainage issue? A property-specific case often finds value they missed.

If a service reduces your assessed value by $50,000 and your tax rate is 2%, that's $1,000 in savings. At 25%, you pay them $250. At 35%, you pay $350. With lowering.tax, you pay $49 regardless. On larger reductions, the difference is even bigger.

Your property deserves its own case

Stop paying 25% of your savings for a generic protest. Build a real evidence packet in 10 minutes.

Look up your property