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Updated 2025 Tax Year

Pine County
Property Tax Guide

Everything you need to know about property taxes in Pine County, MN. 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
Approximately 1.0% for residential homestead properties, varies significantly by location due to overlapping taxing districts
Exemptions
4+ Available
Section 1

How Property Tax Works

Pine County, Minnesota operates under the state's property tax system, which serves as the primary funding mechanism for essential local services including public schools, county operations, municipal services, fire protection, and infrastructure maintenance. The county's effective property tax rate for 2025 is approximately 1.0% for residential homestead properties, though this rate varies significantly depending on your specific location within the county due to overlapping special taxing districts such as school districts, watershed districts, and municipal assessments.

Property taxes in Pine County are calculated based on your property's assessed market value, minus any applicable tax credits (which require application), multiplied by the local tax rate. It's important to understand that actual tax rates can differ substantially between communities within Pine County due to varying local levy amounts and special district assessments. The county uses a classification system where different property types (residential homestead, agricultural, commercial, seasonal recreational) have different effective tax rates, with residential homestead properties generally receiving the most favorable treatment.

Section 2

What Makes Up Your Tax Bill

ComponentRateDescription
County General LevyVariesFunds county operations, roads, public safety
School District LevyVariesLocal school district funding (varies by district)
Municipal LevyVariesCity/township services (if applicable)
Special AssessmentsVariesWatershed, library, hospital districts
Total Effective Rate (Residential Homestead)~1.0%Combined rate for levy year 2025
Agricultural Homestead~0.33%Reduced rate for qualifying agricultural homestead
Agricultural Non-Homestead~0.90%Non-homestead agricultural property
Seasonal Recreational~1.01%Cabin/vacation property rate

Note: These rates apply to levy year 2025 (taxes payable in 2025). Actual rates vary significantly by location within Pine County depending on which school district, municipality, and special taxing districts serve your property. Contact the Pine County Auditor-Treasurer's Office for your specific rate.

Section 3

When Are Property Taxes Due?

For the 2025/2026 tax year in Pine 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 taxes in Pine County are additional property tax bills issued when there are significant changes to a property during the tax year. The most common triggers include new construction completion, major improvements or additions, ownership transfers that affect classification (such as losing homestead status), or corrections to previously issued assessments.

When a supplemental tax is triggered, the Pine County Assessor's Office calculates the difference between the original assessed value and the new assessed value, then applies the current tax rate to determine the additional tax owed. For example, if you complete a $100,000 home addition in July, and your property is subject to a 1.0% tax rate, you would receive a supplemental bill for approximately $500 ($100,000 × 1.0% × 6 months remaining in the tax year ÷ 12 months). Supplemental taxes are typically due 30 days from the issue date and are separate from your regular property tax payments.

Example Calculation

Example 1: $300,000 Home with Homestead Credit

  • Market Value: $300,000
  • Homestead Credit Applied: Reduces net tax capacity
  • Net Taxable Value: ~$227,000 (after homestead classification benefits)
  • Tax Rate: 1.0%
  • Annual Tax: $2,270
  • Monthly Escrow: $189

Example 2: $600,000 Home with Homestead Credit

  • Market Value: $600,000
  • Homestead Credit Applied: Limits assessment increases to protect long-term residents
  • Net Taxable Value: ~$510,000 (homestead benefits decrease at higher values)
  • Tax Rate: 1.0%
  • Annual Tax: $5,100
  • Monthly Escrow: $425

Example 3: $1,000,000 Home without Homestead Credit

  • Market Value: $1,000,000
  • No Credits Applied: Non-homestead property
  • Net Taxable Value: $1,000,000
  • Tax Rate: 1.0%
  • Annual Tax: $10,000
  • Monthly Escrow: $833

Note: Homestead credit requires application and caps assessment growth rather than reducing market value. Credits shown are estimates - actual benefits vary based on individual circumstances and require annual application.

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Section 5

Escrow & Property Taxes

Most mortgage lenders in Pine County require property tax escrow accounts to ensure timely payment of property taxes. Your lender collects 1/12th of your estimated annual property tax bill with each monthly mortgage payment, depositing these funds into an escrow account. The lender then pays your property taxes directly to Pine County when due - first half by May 15 and second half by October 15.

Lenders typically conduct an annual escrow analysis to ensure adequate funds are collected, which may result in payment adjustments if your property taxes increase or decrease. You should receive an annual escrow statement showing all deposits, payments, and account balances. If your escrow account has a shortage, the lender may require additional monthly payments or a lump sum to cover the deficit. Property owners can verify that payments were correctly made by checking with the Pine County Auditor-Treasurer's Office or viewing payment records online through the county's property tax portal.

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 Pine County property taxes due for 2025? A: First half payments are due May 15, 2025, and second half payments are due October 15, 2025. Tax statements are typically mailed in March.

Q: What tax credits are available and do they require application? A: Most tax credits require annual application, including the Homestead Credit (must apply by December 1), Senior Citizen Property Tax Deferral, Blind/Disabled Homestead Classification, and Agricultural Homestead Credit. Contact the Pine County Assessor's Office for applications and deadlines.

Q: How does the Homestead Credit work? A: The Homestead Credit doesn't reduce your property's market value but provides favorable classification rates and caps annual assessment increases. You must apply annually by December 1 and occupy the property as your primary residence by December 1 of the assessment year.

Q: When are properties reassessed in Pine County? A: Minnesota law requires annual assessment of all properties. Assessment notices are typically mailed in March, with appeal deadlines usually in April or May. Contact the Pine County Assessor's Office for specific appeal procedures and deadlines.

Q: What are the penalties for late property tax payments? A: Late payments incur penalties and interest charges. First half payments made after May 15 and second half payments made after October 15 are subject to penalties starting at 3% plus monthly interest charges.

Q: Can I pay my property taxes online? A: Yes, Pine County offers online payment options through their official website. Contact the Auditor-Treasurer's Office at the Pine County Government Center for specific online payment procedures and any associated convenience fees.

Q: Why do property tax rates vary within Pine County? A: Tax rates differ based on which school district, municipality, watershed district, and other special taxing districts serve your property. Rural areas may have different service districts than incorporated cities within the county.

Q: How do special district taxes work? A: Special districts (school districts, watershed districts, library districts) levy additional taxes for specific services. These appear as separate line items on your tax statement and vary by location within Pine County. Contact the Auditor-Treasurer's Office to understand which districts apply to your property.

Verified Sources

Backed by 10 Official Government Sources

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

01
Tax Doc
Property Tax 101: Property Tax Variation by Property Typehouse.mn.gov
02
County
Pine County HRA-EDAco.pine.mn.us
03
State
property-tax-statement-sample-pay-2026. ...revenue.state.mn.us
04
County
2020 PINE COUNTY PROPERTY TAX FACT SHEETco.pine.mn.us
05
Important Dates & Deadlinespinecountymn.gov
06
Frequently Asked Questionspinecountymn.gov
07
eo_mn.csvirs.gov
08
Homestead Classificationrevenue.state.mn.us
09
Homestead Market Value Exclusionrevenue.state.mn.us
10
Tax Doc
Property Tax Programsrevenue.state.mn.us
All sources verified as of 2025 Tax Year

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