Lupa CrossCheck — Homestead Exemption Audit & Cross-Jurisdiction Detection
Cross-jurisdiction parcel intelligence that identifies owners simultaneously claiming primary-residence property tax benefits in more than one jurisdiction. Built for county property appraisers, state revenue agencies, and municipal assessors — entirely on public records.
Where Lupa connects
Coverage today spans 14 states — 7 with full statewide rolls, 7 with active county-level adapters covering the highest-population centers in each. Cross-state JOIN refreshes monthly.
What Lupa detects
- Dual homestead claims — same owner, primary-residence exemption active in two or more jurisdictions simultaneously.
- Exemption stacking — owners receiving stacked benefits (homestead, senior, veteran, agricultural) where statute prohibits.
- Post-sale carryover — exemption flag still active after the qualifying owner sold or transferred title.
- Residency mismatches — primary-residence claim against an address with rental, commercial, or non-occupancy signals.
- Cross-state stacking — Florida claimants also receiving primary-residence benefits in Indiana, Illinois, Ohio, or New York.
How it works
1. Ingest
Lupa pulls public parcel and exemption records from county property appraiser portals, state cadastral databases (FDOR, etc.), recorder offices, and business registries. Owner names are normalized across formatting differences (LAST FIRST vs. FIRST LAST, suffix variants, comma conventions) so cross-jurisdiction matches don't get missed.
2. Cross-reference
Owner records are matched across jurisdictions using a longest-token + suffix-strip keying strategy validated against Florida, Cook County IL, Cuyahoga OH, and Franklin OH naming conventions. Matches surface where the same individual holds active primary-residence exemptions in more than one place.
3. Deliver
Findings arrive as a ranked list of investigative leads — each with parcel IDs, exemption flags, and direct citation links to the source public records in both jurisdictions. Your audit team verifies independently before issuing any notice.
Who this is built for
- County property appraisers running annual homestead and exemption compliance reviews without adding staff.
- State revenue agencies coordinating cross-county audit programs and tracking statewide stacking patterns.
- Municipal assessors looking for assessment gap recovery in jurisdictions with high seasonal or out-of-state ownership.
Frequently asked questions
What is a homestead exemption audit?
A homestead exemption audit reviews parcel ownership records to confirm that owners claiming a primary-residence property tax exemption qualify for it under state law. It typically focuses on detecting dual claims, residency mismatches, and post-sale exemption carryover.
How does Lupa detect dual homestead claims across counties?
Lupa ingests public parcel records from county assessors and state cadastral databases, normalizes owner names across jurisdictional formatting differences, and cross-references exemption flags. Every flagged case includes citations linking to both source records so the audit team can independently verify before issuing a notice.
Does Lupa use paid data sources?
No. Lupa builds entirely on public records — county property appraiser portals, state cadastral databases (FDOR and similar), and recorder offices. There is no dependency on Regrid, ATTOM, PropStream, or other paid aggregators.
Which states does Lupa cover for homestead stacking?
Florida is the most mature coverage area, with cross-county and cross-state checks against Indiana, Illinois, Ohio, and New York. New York coverage note: the 2019 STAR program shift to a state credit means county roll data alone misses post-2019 recipients, so NY checks require the NYS state dataset.
What does a Lupa pilot look like?
Lupa runs a no-obligation pilot scan of your jurisdiction and delivers ranked investigative leads with source citations. Your audit team verifies findings against public records before any owner outreach.
Run a pilot audit on your jurisdiction
We scan your parcel base, cross-reference against the relevant out-of-jurisdiction datasets, and deliver a ranked lead list with citations. You decide what to act on.
Request a Demo → Q3 2026 portal preview →