only the last three things are covered by my property taxes. Everything else is handled by private companies who I pay separately (yes even roads where I live).

only the last three things are covered by my property taxes. Everything else is handled by private companies who I pay separately (yes even roads where I live). Regardless, the property tax could be moved to an income or sales tax instead, so if your income drops and you can't pay your taxes you don't risk losing your home.