The non-ad valorem part is for the bond payments, fire rescue fee, and maintenance fee. Ad valorem means "based on value" which means that it is calculated based on the value of your house, whereas the non-ad valorem part is not based on the value of your house. The main reason to separate the two is that, typically, the ad valorem charges are considered taxes by the IRS and are tax deductible, but the non-ad valorem part are fees, which are not tax deductible.
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