Updated 2025 Tax Year

Gladwin County
Property Tax Guide

Everything you need to know about property taxes in Gladwin County, MI. Rates, due dates, exemptions, and how it affects your monthly payment.

10 Official Sources

8 min read

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Quick Facts

Tax Rate

9.843 mills ($9.843 per $1,000 taxable value) - varies by district and special assessments

Exemptions

5+ Available

Section 1

How Property Tax Works

Gladwin County, Michigan operates on a property tax system that funds essential local services including schools, county operations, townships, and special districts. Property owners in Gladwin County pay taxes based on their property's taxable value, which is typically 50% of the assessed (market) value. The county's property tax rate for 2025 is 9.843 mills ($9.843 per $1,000 of taxable value), though this rate specifically applies to properties within the Clare-Gladwin area for career and technical education funding.

It's important to note that actual tax rates vary significantly by location within Gladwin County due to different combinations of special taxing districts, school districts, and municipal boundaries. Your total property tax bill includes levies from multiple entities: the county, your local township or city, school district, and any applicable special assessment districts. Most property tax credits and exemptions require formal application and are not automatically applied to your tax bill.

Section 2

What Makes Up Your Tax Bill

Component	Rate (Mills)	Description
Clare-Gladwin Career/Technical Education	9.843	Funds area career and technical education programs
County Operating Levy	Varies	County general fund operations
School District Levy	Varies	Local school district operations and bonds
Township/City Levy	Varies	Municipal services and operations
Special Assessment Districts	Varies	Fire protection, libraries, drainage, etc.

Note: The 9.843 mill rate shown is specific to the Clare-Gladwin area for FY 2025. Total effective rates typically range from 15-35 mills depending on your specific location and applicable taxing districts within Gladwin County. Contact the Gladwin County Treasurer for your property's complete rate breakdown.

Section 3

When Are Property Taxes Due?

For the 2025/2026 tax year in Gladwin County, property taxes are due in two installments:

Pro tip: If you pay through mortgage escrow, your lender splits these payments across your monthly mortgage. If you pay directly, set calendar reminders to avoid late penalties.

Section 4

Supplemental Tax Bills

Supplemental property taxes in Gladwin County are additional tax assessments that occur when there are changes in property ownership, new construction, or improvements that increase a property's assessed value during the tax year. These supplemental bills are calculated based on the difference between the old and new assessed values, multiplied by the applicable tax rate, and prorated for the remaining months in the tax year.

For example, if you purchase a home in March and the new assessment increases the taxable value by $50,000, you would receive a supplemental tax bill for the remaining 10 months of the tax year. The calculation would be: ($50,000 ÷ 1,000) × your total mill rate × (10 months ÷ 12 months). Supplemental taxes are billed separately from regular tax bills and have their own payment due dates.

Example Calculation

Example 1: $300,000 Property

Market Value: $300,000
Assessed Value: $150,000 (50% of market value)
Less: Homestead Credit Application (if eligible): Caps assessment increases
Net Taxable Value: $150,000
Annual Tax (using 25 mills estimated total rate): $3,750
Monthly Escrow: $312.50

Example 2: $600,000 Property

Market Value: $600,000
Assessed Value: $300,000 (50% of market value)
Less: Applicable Credits (must apply): Varies
Net Taxable Value: $300,000
Annual Tax (using 25 mills estimated total rate): $7,500
Monthly Escrow: $625

Example 3: $1,000,000 Property

Market Value: $1,000,000
Assessed Value: $500,000 (50% of market value)
Less: Available Credits (application required): Varies
Net Taxable Value: $500,000
Annual Tax (using 25 mills estimated total rate): $12,500
Monthly Escrow: $1,041.67

Note: All tax credits require separate applications and are not automatically applied. Contact your local assessor for available credits and application procedures.

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Section 5

Escrow & Property Taxes

Most mortgage lenders in Gladwin County require property tax escrow accounts for borrowers with less than 20% down payment. Your lender collects 1/12 of your estimated annual property tax bill each month along with your mortgage payment. The lender maintains these funds in an escrow account and pays your property taxes directly to the county treasurer when due.

Gladwin County bills property taxes twice yearly: summer taxes are due by September 14th, and winter taxes are billed and due on December 1st. Your mortgage servicer will receive these bills and pay them from your escrow account. Lenders typically conduct an annual escrow analysis to ensure adequate funds are being collected. If your property taxes increase due to reassessment or rate changes, your monthly escrow payment may be adjusted accordingly. Property owners should verify that their lender has paid taxes on time, as ultimate responsibility remains with the property owner.

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Section 6

Frequently Asked Questions

Q: When are property taxes due in Gladwin County for FY 2025? A: Summer 2024 property taxes were due September 14, 2024. Winter property taxes are billed on December 1st and due the same date.

Q: What tax credits are available and how do I apply? A: Various credits may be available including homestead, senior, veteran, and disability credits. All credits require formal application - none are automatic. Contact your township or city assessor for available credits and application forms.

Q: How does the homestead credit work? A: The homestead credit limits annual assessment increases rather than reducing market value. You must file an affidavit with your township or city by May 1st to claim this credit. It's not automatic and must be applied for.

Q: When are properties reassessed? A: Michigan law requires assessments to reflect 50% of true cash value. Contact your local assessor for the reassessment schedule and appeal procedures if you disagree with your assessment.

Q: What are the penalties for late payment? A: Late payment penalties and interest charges apply to delinquent taxes. Summer taxes become delinquent after September 14th, and winter taxes after December 1st. Contact the county treasurer for specific penalty rates.

Q: Can I pay my property taxes online? A: Contact the Gladwin County Treasurer's office for available online payment options and accepted payment methods.

Q: Why do tax rates vary within Gladwin County? A: Different areas have different combinations of school districts, townships, cities, and special assessment districts (fire, library, etc.), creating varying total tax rates across the county.

Q: How do special district taxes work? A: Special districts provide specific services like fire protection or library services. These districts levy additional taxes on properties within their boundaries, which appear as separate line items on your tax bill.

Verified Sources

Backed by 10 Official Government Sources

Every fact in this guide is sourced from official county, state, and federal documents.

OFFICIAL BALLOT Special Election Tuesday, May 6, 2025 ...gladwincounty-mi.gov

May-2025-Special-Election-Canvass-of-Votes. ...gladwincounty-mi.gov

Tax Doc

2025 Ad Valorem Property Tax Reportmichigan.gov

Treasurergladwincounty-mi.gov

Tax Doc

Property Tax Timelinegladwincounty-mi.gov

FAQsgladwincounty-mi.gov

2368, Homeowner's Principal Residence Exemption Affidavitgladwincounty-mi.gov

FINANCIAL HARDSHIP POLICYgladwincounty-mi.gov

Michiganirs.gov

Dollars and Sense:gladwincounty-mi.gov

All sources verified as of 2025 Tax Year

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Gladwin CountyProperty Tax Guide