Q: When are property taxes due in Garrard County?
A: Property taxes are typically due by November 1st each year. For the current fiscal year, verify the exact due date with the Garrard County Clerk's office as dates may vary slightly.
Q: What tax credits are available and do I need to apply?
A: The primary tax credit available is the Homestead Exemption, which reduces your assessed value by $49,100 for the 2025-2026 assessment years. This credit requires an annual application and is NOT automatic. Contact the Garrard County PVA office for application forms and deadlines.
Q: How does the Homestead credit work?
A: The Homestead credit reduces your property's assessed value by $49,100, not the market value. You must apply annually, maintain the property as your primary residence, and cannot claim this exemption on any other property in Kentucky or another state.
Q: How often are properties reassessed?
A: Kentucky law requires property assessments to be updated annually, though the PVA may conduct comprehensive reappraisals periodically. You'll receive notice if your assessed value changes significantly.
Q: Can I appeal my property assessment?
A: Yes, property owners can appeal their assessment to the Garrard County Board of Assessment Appeals. Appeals must typically be filed within specific timeframes after receiving your assessment notice.
Q: What are the penalties for late payment?
A: Late payments incur penalties and interest charges. Contact the Garrard County Clerk's office for current penalty rates and payment options if you're behind on payments.
Q: Can I pay my property taxes online?
A: Check with the Garrard County Clerk's office for available online payment options, as many Kentucky counties now offer electronic payment systems for property taxes.
Q: Why does my tax rate differ from my neighbor's?
A: Tax rates vary within Garrard County based on the specific combination of taxing districts that serve your property, including school districts, fire districts, library districts, and municipal boundaries.
Q: What happens if I don't pay my property taxes?
A: Unpaid property taxes become a lien on your property and may eventually result in tax sale proceedings. Additionally, delinquent property taxes can prevent renewal of business licenses, including liquor licenses.
Q: How do special taxing districts affect my bill?
A: Your property may be subject to multiple taxing districts (county, school, fire, library, municipal) each with their own rate. The combination of all applicable district rates determines your total effective tax rate.
