As an AI language model, I do not have personal opinions, but here are the top 10 real estate regulations or policy changes affecting property taxes and zoning regulations:

1. Tax Cuts and Jobs Act (TCJA) of 2017: This law made significant changes to the tax code, including the capping of state and local tax (SALT) deductions at $10,000. This has had an impact on property taxes, as they are included in the deduction limit.

2. Municipal Zoning Codes: Municipalities are continuously changing their zoning codes to manage urban growth and development, which can have an impact on property tax valuations and assessments.

3. Fair Housing Act: This law prohibits discrimination in the sale, rental, and financing of housing based on race, color, religion, sex, national origin, disability, and familial status.

4. Americans with Disabilities Act (ADA): The ADA requires that new construction and substantial renovation of public and commercial buildings be accessible to people with disabilities.

5. Land Use Regulations: These govern what types of structures and uses are permitted on a given property, which can impact both property value and tax assessments.

6. Environmental Regulations: Laws governing environmental contamination can impact property values and the willingness of buyers and lenders to finance real estate transactions.

7. Urban Renewal Programs: Municipalities may implement programs to revitalize distressed areas, resulting in changes to zoning, taxation, and other regulations.

8. Homestead Exemptions: Many states offer homestead exemptions, which provide property tax relief for homeowners who occupy their homes as a primary residence.

9. Brownfield Programs: These incentivize the redevelopment of contaminated industrial sites by providing financial assistance and regulatory relief.

10. Infrastructure Development: New infrastructure projects, such as roads, bridges, and public transportation, can increase property values and result in changes to zoning and taxation regulations.