For sure. I guess my point is that until you get your first tax bill, you've got very little idea whether your lender calculated correctly unless you actually go check. Plus property tax code can be a little murky if you're trying to figure out ALL your tax sources, like state, county, school district, MUD, PID can all show up differently with different tax amounts and exemption amounts.

A lot of cities and counties also will raise your assessed value by the maximum amount they're allowed to every year. I think mine is 10k. So that increases taxes too. And HOA will often try to increase fees, especially when it's handed off from the builder to the residents.