Q: When are property taxes due in St. Mary's County?
A: Property taxes for FY 2025 are due September 30, 2024. The county offers a five-business-day grace period. Online payments must be completed by February 24, 2025, and delinquent notices are mailed in late January for unpaid taxes.
Q: What tax credits are available and do they require application?
A: Maryland offers several tax credits that require annual application: Homeowners' Tax Credit (income-based), Homestead Tax Credit (limits assessment increases to 10% annually), Veterans' Exemption, and Blind Persons' Credit. None of these are automatic - you must apply through the State Department of Assessments and Taxation.
Q: How does the Homestead Tax Credit work?
A: The Homestead Tax Credit caps annual assessment increases at 10% for your primary residence. It doesn't reduce your property's market value but limits how much your taxable assessment can increase each year. You must file an application, and it's not automatic even for longtime homeowners.
Q: How often are properties reassessed in St. Mary's County?
A: Maryland law requires property reassessment every three years. St. Mary's County follows this state-mandated cycle, with the most recent countywide reassessment completed in 2023. Interim assessments may occur for new construction or major improvements.
Q: What are the penalties for late property tax payments?
A: St. Mary's County charges interest and penalties on delinquent property taxes. After the grace period expires in early October, interest begins accruing monthly. Continued delinquency can result in tax lien certificates being sold to investors, and eventually tax sale proceedings.
Q: Can I pay property taxes online?
A: Yes, St. Mary's County offers online property tax payments through their official website. Online payments are accepted until February 24th of the following year. The system accepts electronic checks and credit cards, though credit card payments may incur processing fees.
Q: Why is my tax rate different from my neighbor's?
A: Tax rates in St. Mary's County can vary based on special taxing districts, municipal boundaries, and special assessment areas. Properties in Leonardtown face additional municipal taxes but may receive county rebates. Some areas have special districts for water, sewer, or community improvements that add to the base rate.
Q: How do I appeal my property assessment?
A: Assessment appeals must be filed with the Maryland Tax Court within 30 days of receiving your assessment notice. You can also request an informal review with the local assessor's office before filing a formal appeal. Appeals should include evidence such as recent comparable sales, appraisals, or documentation of property condition issues.
Q: What happens if I buy or sell property mid-year?
A: Property taxes in Maryland are prorated based on the ownership transfer date. The settlement attorney typically handles the proration calculation at closing, ensuring each party pays taxes for their period of ownership. Supplemental bills may be issued if assessments change after the transfer.
Q: Are there property tax relief programs for seniors or disabled residents?
A: Maryland offers several property tax relief programs including the Homeowners' Tax Credit (income-based), enhanced credits for seniors and disabled residents, and the Property Tax Deferral Program for qualifying elderly homeowners. All programs require application and income verification through the State Department of Assessments and Taxation.
