Our office will be closed Friday July 3rd in observance of Independence Day.




At the present time due to the health and public safety concerns resulting from the Covid- 19 outbreak, the Central Appraisal District of Bandera County (BCAD) will be handling appeals through indirect personal contact, in order to help limit or reduce the risk of exposure. If you wish to appeal your proposed value, please either complete the protest form included with your notice and mail it in, use the outdoor drop box (available from 8:00 am to 5:00 pm, Monday-Friday), or file a protest on our website at www.bancad.org. Notices of Appraised Value were mailed out May 01, 2020, to all real properties that increased $1,000 or more in value from the previous year. The deadline to file a protest on properties that received a notice is June 01, 2020, (or 30 days after a notice of appraised value was mailed to you, whichever is later).

If you wish to submit evidence to support your request for a reduction in value, please upload evidence of your opinion of value to our website dropbox folder at www.bancad.org. Examples of evidence to submit that could greatly help your appeal would include interior pictures of any issues that your property has, bids from contractors to repair issues, the purchase information of your property if recently purchased, sales data of other properties in your area that are similar to your property, and if your property is income producing, a statement of income and expenses for the 2019 tax year.

Please note your Property ID (account number) on any evidence submitted.


Please be aware that the values are set by law on January 1, 2020. At that time, no one could envision what we are now experiencing. Appraisal districts in the state requested that the governor suspend the laws regarding changes of value and appeals of value, but at this time, he has not done so. We must continue to appraise property according to state law, regardless of the Covid-19, or economic situation.

An appraiser representing the appraisal district will contact you by phone or email, to discuss your protest and any evidence that you have submitted. The appraiser may offer a settlement value and if you accept that value, you will be mailed or emailed a Settlement and Waiver of protest (S&W) that you may sign and return. Upon submission of a signed (S&W) the agreement is considered final and the protest will be closed. If you and the appraiser do not agree on a value, then you will be scheduled for a hearing before the Appraisal Review Board (ARB), a group of local citizens who are selected to hear the appeals. That hearing will likely be held using a phone conference or other indirect contact method. That will depend on the edicts coming from the Federal, State, or Local governments.

If you have questions about the appeal procedures, please feel free to call us at (830) 796-3039.

Don’t be fooled by this Homestead Scam!


Welcome to Bandera Central Appraisal District!


The Central Appraisal District of Bandera County is responsible for fairly determining the value of all real and business personal property within Bandera County, Texas.  The district appraises property according to the Texas Property Tax Code and the Uniform Standards of Professional Appraisal Practices (USPAP).

VALUE x Tax Rate = Property Tax

  • Value: the worth of a property determined by the BANCAD
  • Tax Rate: percentage by which the assessed value of a property is multiplied to determine the tax bill.
  • Property Tax: the annual expense homeowners face to provide revenue for local governments’ spending on schools, libraries, parks, police and fire protection, etc.
  • After the VALUE is determined, BANCAD’s role in the formula is complete!

Taxing Entities of Bandera County:

Bandera County* City of Bandera
Bandera ISD Bandera County River Authority and Groundwater District
Medina ISD Flying ‘L’ Ranch Public Utility District
Northside ISD Utopia / Vanderpool Area ESD #1
Utopia ISD

* Includes 2 road taxes

Utopia ISD Tax Office Information can be obtained at:

P.O. Box 880
Utopia, TX 78884
Phone: 830-966-1928