PACE / Ygrene

PACE Loan in Orange County: How It Shows Up on Your Orlando Tax Bill (and How to Get Out)

July 14, 2026 · 6 min read

Part of the complete guide: Florida PACE & Ygrene Loans: The Complete Guide →

A PACE loan in Orange County does not send you a monthly bill. It hides on your property tax bill as a special assessment line — and it can jump your escrow payment overnight. Here is how to find it, what happens when you sell, and how some Orlando homeowners get out.

A PACE loan does not bill you like a car loan or a credit card. In Orange County, it shows up as a "non-ad valorem assessment" on your annual property tax bill. That is the section below your regular property taxes. It sits next to items like solid waste and stormwater fees.

The line usually shows the program or provider name, such as Ygrene. It will not say "solar loan." Many Orlando homeowners never spot it until the bill jumps.

Here is a common mix-up: your electric bill has nothing to do with it.

What's on this page

Every section in this article, and what each one covers

1.PACE Loan Orange County: How It Shows Up on Your Tax BillThree paragraphs, naming PACE.
2.How to Find Your PACE AssessmentOne paragraph and a four-item list (Pull your latest property tax; Scroll to the non-ad valorem; ...), naming PACE.
3.Ygrene in Orlando: Why the Payment Feels So BigTwo paragraphs and three links to other guides, naming Chapter 7, Chapter 11 and SunPower.
4.Selling or Refinancing With a PACE Loan in Orange CountyThree paragraphs, naming PACE.
5.How to Pay Off a PACE Loan in Orange CountyTwo paragraphs and a five-item list (Ask your PACE provider; Check the date on; ...), naming PACE and July 1, 2024.
6.What Florida Law Says About PACE AgreementsTwo paragraphs, a four-item list (Section 163.086 names three situations; Florida's home-solicitation law gives you; ...) and a callout, naming the FTC Holder Rule, PACE and FDUTPA.
7.Your Next Step in OrlandoOne paragraph and four links to other guides, naming $99.

Also on this page

three checklists (13 items in all)
7 links to other guides
one callout
an FAQ (4 questions)

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Frequently asked questions

Where does a PACE loan show up on my Orange County tax bill?

In the non-ad valorem assessments section, below your regular property taxes. The line names the PACE program or provider, such as Ygrene — it will not say "solar loan." You can pull your bill on the Orange County Tax Collector's website.

Can I pay off a PACE loan in Orange County early?

Yes. Under Florida's s.163.081 there is no prepayment penalty on an agreement dated July 1, 2024 or later; an older agreement is governed by its own terms. Ask the administrator in writing for a payoff statement.

Does a PACE loan stop me from selling my Orlando home?

You can sell, but the assessment survives the sale and would pass to the buyer on the tax bill. In practice, most buyers and lenders want it paid off at closing, usually from your sale proceeds. Get a payoff statement early so it does not surprise you at the table.

Can a PACE agreement be canceled for fraud in Florida?

Florida's s.163.086 sets out three circumstances in which a PACE agreement may not be enforceable — they turn on a timely cancellation, on who obtained the recorded agreement, and on how the funding was obtained. Whether any of that reaches one specific agreement, including an older one predating July 1, 2024, is for a Florida attorney to say. We are a records company rather than a law firm: we build the paper trail, and the attorney list is identical for every customer, at no fee.

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