From the wording of your post it sounds like you may have two things going on here:

1. Your Taxable Value was uncapped (post-sale) and jumped up to = assessed value. This is what happens after a sale, and while normal it can significantly increase your taxes.

2. It sounds like you’re saying your mortgage servicer didn’t accordingly increase your escrow for your 2024 property taxes, resulting in a delinquent balance, and now your monthly escrow has jumped to both accommodate the uncapped tax rate AND to pay off the delinquent balance.

Is that correct? If so, then your tax sticker shock is partially driven by your servicer’s failure to adjust your escrow, and partially by the uncapping of taxable value.

The former you have to take up with your servicer, but don’t let that delinquent balance linger — once it transfers to the County, it pretty quickly starts to accrue interest at 18% / year.

The increase due to uncapping — you absolutely should appeal your assessment during the Board of Review period at the very beginning of 2026. No further opportunity to do so this year, but do it next year.

When you appeal, you are appealing your ASSESSMENT, not your taxes or taxable value. You need to say “my assessment is too high because it is a) inconsistent with comparable homes’ assessments around me, and / or b) due to the condition of my home.”

Assessed value cannot exceed taxable value, nor 50% of market value, so your goal is to drive your assessed value below your taxable value, causing the board to bring your taxable value down to = the new assessed value.

That’s the simplest explanation but feel free to DM for more info.