Escrow & Title
Florida's 'Homestead Protection' under the Florida Constitution and F.S. 222.01 is automatically applied when the owner occupies the property as their primary residence. The protection takes effect:
AOnly after the owner files a homestead application with the county property appraiser
BAutomatically upon establishment of the homestead, even before the tax exemption application is filed✓ Correct
COnly after 1 year of continuous occupancy
DOnly when the property is mortgage-free
Explanation
The constitutional homestead protection (creditor protection) under Florida law attaches automatically when the owner establishes the property as their primary residence — it is not dependent on filing for the tax exemption. The tax exemption (reducing assessed value) requires a separate application with the property appraiser by March 1.
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