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Updated 2025 Tax Year

Beltrami County
Property Tax Guide

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

6 Official Sources
8 min read
Quick Facts
Tax Rate
~0.90% for agricultural nonhomestead (2025), varies significantly by taxing jurisdiction and property classification
1st Due
May 15
2nd Due
Oct 15
Exemptions
5+ Available
Section 1

How Property Tax Works

Beltrami County, Minnesota operates on a property tax system that funds essential local services including schools, county government, townships, and special districts. Property taxes are the primary revenue source for these local jurisdictions, with the county serving as the collecting agent for all taxing authorities within its boundaries.

The effective tax rate in Beltrami County varies significantly by location due to the combination of different taxing jurisdictions, including the county levy, school districts, townships or cities, and special purpose districts. Based on available data, agricultural nonhomestead properties face rates around 0.90% for the 2025 tax year, though residential properties and different classifications may see different effective rates. Property owners should note that their actual tax rate depends on their specific location within the county and the combination of taxing districts that serve their property.

All property taxes are assessed based on estimated market value as of January 2nd each year, with various state-mandated credits and exemptions available to qualifying property owners. Most credits and exemptions require annual application and are not automatically applied to your tax bill.

Section 2

What Makes Up Your Tax Bill

ComponentRate/FeeDescription
Base County/Local Rate~0.90%*Combined rate for agricultural nonhomestead (2025)
911 Assessment Fee$10.00/yearEmergency services assessment
Administrative FeesVariesRecording and processing fees as applicable
School District LeviesVariesDepends on specific school district
Municipal/Township LeviesVariesCity or township where property is located
Special District AssessmentsVariesWatershed, hospital, library districts as applicable

*Rates shown are for Levy Year 2025 and vary significantly by property classification (homestead, agricultural, commercial) and specific taxing districts. Agricultural nonhomestead rate of 0.90% is one example - residential homestead properties typically have different effective rates due to state credits and different classification rates.

Note: Your actual tax rate depends on the combination of all taxing jurisdictions serving your specific property location within Beltrami County.

Section 3

When Are Property Taxes Due?

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

First Installment
May 15
Delinquent after Dec 10
Second Installment
Oct 15
Delinquent after Apr 10
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 taxes in Beltrami County are typically triggered by changes in property ownership, new construction, or improvements that increase the assessed value of a property during the tax year. When these changes occur after the annual assessment date (January 2nd), the county may issue supplemental tax bills to account for the increased tax liability.

The supplemental tax is calculated by determining the difference between the new assessed value and the original assessed value, then applying the current tax rate to that difference. The supplemental amount is prorated based on the number of months remaining in the tax year when the change became effective.

For example, if you complete a home addition worth $50,000 in July, and your effective tax rate is 1.2%, you would owe a supplemental tax of approximately $300 ($50,000 × 1.2% ÷ 2) for the remaining six months of that tax year. Supplemental certificates carry a fee of $100.00 plus recording fees when issued by Beltrami County.

Example Calculation

$300,000 Home (Homestead Property)

  • Assessed Value: $300,000
  • Less: Homestead Credit Application: -$30,000 (estimated)
  • Net Taxable Value: $270,000
  • Tax Rate: 1.1% (estimated effective rate)
  • Annual Tax: $2,970
  • Monthly Escrow: $247.50

$600,000 Home (Homestead Property)

  • Assessed Value: $600,000
  • Less: Homestead Credit Application: -$35,000 (estimated)
  • Net Taxable Value: $565,000
  • Tax Rate: 1.1% (estimated effective rate)
  • Annual Tax: $6,215
  • Monthly Escrow: $517.92

$1,000,000 Home (Non-Homestead)

  • Assessed Value: $1,000,000
  • Less: Limited credits available for non-homestead
  • Net Taxable Value: $1,000,000
  • Tax Rate: 1.3% (estimated effective rate)
  • Annual Tax: $13,000
  • Monthly Escrow: $1,083.33

Note: Homestead credits require annual application and actual credit amounts vary. These examples use estimated rates - actual rates depend on your specific taxing districts.

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Section 5

Escrow & Property Taxes

Most mortgage lenders in Beltrami County require borrowers to maintain an escrow account for property tax payments. Your lender collects monthly escrow payments along with your mortgage payment and holds these funds to pay your property taxes when they become due. Lenders typically collect 1/12th of your annual property tax bill each month, plus an additional buffer amount as required by federal regulations.

Beltrami County mails property tax statements in March for the first half and July for mobile home taxes. Your mortgage company should receive these statements directly if you have an escrow account. The county makes payments from escrow accounts on the May 15th and August 31st due dates for the first half, with second half payments due in October or November.

If you're responsible for paying your own property taxes, you can verify payments and balances through the Beltrami County property tax records system. Property owners should ensure their mortgage company is making timely payments to avoid late penalties and that escrow account balances are adequate to cover any tax increases from year to year.

How HonestCasa Helps
  • Understand whether your escrow is set correctly
  • See how rising taxes will change your monthly payment
  • Plan ahead instead of being surprised by "shortage" letters
Section 6

Frequently Asked Questions

Q: When are property taxes due in Beltrami County for 2025? A: First half taxes are due May 15th and August 31st, with property tax statements mailed by March 31st. Mobile home tax statements are mailed by July 15th. Second half due dates are typically in October/November - check the county website for exact dates.

Q: What homestead tax credits are available and do I need to apply? A: Minnesota homestead credits require annual application and primarily limit assessment increases rather than reducing market value. The homestead classification can cap assessment increases to approximately 10% annually. You must apply with the county assessor - credits are NOT automatic.

Q: What other tax credits require application in Beltrami County? A: Most property tax credits require application, including senior citizen credits, disabled veteran credits, and agricultural land credits. Contact the Beltrami County Assessor's office for specific credit applications and deadlines, as most have annual filing requirements.

Q: How do I appeal my property assessment? A: Assessment appeals must typically be filed by April 30th following the assessment notice. Contact the Beltrami County Assessor's office for appeal forms and procedures. You'll need comparable property sales data to support your appeal.

Q: What are the late payment penalties? A: Based on available fee schedules, late payment penalties can be $100-$200 depending on timing and circumstances. Contact the county treasurer for specific penalty amounts and payment options if you're facing late payment.

Q: Can I pay property taxes online? A: Check the Beltrami County website or contact the County Treasurer's office for current online payment options and any associated convenience fees.

Q: Why did my taxes increase when my assessment stayed the same? A: Tax increases can occur due to higher levy rates from local taxing authorities (schools, townships, special districts) even if your assessed value remains constant. Your tax bill reflects the combination of all taxing jurisdictions serving your property.

Q: What is the 911 assessment fee? A: Beltrami County charges $10.00 annually to all properties to fund emergency 911 services. This fee appears as a separate line item on your tax statement.

Q: How do special taxing districts affect my bill? A: Your property may be served by multiple special districts (watershed, hospital, library districts) that each levy separate taxes. The specific combination depends on your property's location within Beltrami County, which is why tax rates vary significantly across the county.

Q: When should I apply for homestead classification? A: Apply for homestead classification as soon as you occupy the property as your primary residence. Applications are typically due by December 1st for the following tax year, but contact the assessor's office for specific deadlines as late applications may be accepted with penalties.

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