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Updated 2025 Tax Year

Camden County
Property Tax Guide

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

8 Official Sources
8 min read
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Tax Rate
Varies by district due to overlapping taxing jurisdictions - school, fire, ambulance districts create different total rates
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Section 1

How Property Tax Works

Camden County, Missouri operates on a property tax system that funds essential local services including schools, roads, law enforcement, fire protection, and county operations. Property taxes are calculated based on assessed value, which is determined by the Camden County Assessor and reassessed periodically according to Missouri state law. The county follows Missouri's standard assessment ratio of approximately 19% of true market value for residential properties.

Property tax rates in Camden County vary significantly by location within the county due to numerous special taxing districts, including school districts, fire protection districts, ambulance districts, and other municipal services. These overlapping jurisdictions create different total tax rates depending on your property's specific location. The Camden County Collector is responsible for billing and collecting all property taxes within the county boundaries.

The effective tax rate typically ranges from approximately 0.8% to 1.4% of market value, though this can vary based on your specific tax district combination and any applicable tax credits. All property owners should verify their exact tax rate and district assignments with the Camden County Assessor's office, as special district boundaries and rates change periodically.

Section 2

What Makes Up Your Tax Bill

Based on available data for levy year 2025, Camden County property tax rates include multiple components that vary by location:

ComponentApproximate Rate RangeDescription
County General$0.20-$0.35 per $100Basic county operations and services
School Districts$3.50-$4.50 per $100Local school district funding (varies by district)
Fire Protection$0.15-$0.40 per $100Fire and emergency services (if applicable)
Ambulance District$0.10-$0.25 per $100Emergency medical services (if applicable)
Road Districts$0.05-$0.20 per $100Road maintenance and improvement
Library District$0.05-$0.15 per $100Public library services (where applicable)
Special AssessmentsVariesBonds, levies for specific projects

Total Combined Rate: $4.05-$5.85 per $100 of assessed value

Note: These rates are subject to annual adjustment and vary significantly by specific location within Camden County. Contact the Camden County Clerk or Assessor for exact rates applicable to your property's tax district combination for the current levy year.

Section 3

When Are Property Taxes Due?

For the 2025/2026 tax year in Camden 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 Camden County are additional property tax bills issued when there are changes in property ownership, improvements, or newly constructed properties that occur after the annual assessment roll is completed. These situations trigger a recalculation of taxes for the remaining portion of the tax year.

Common triggers for supplemental taxes include: new construction completion, major renovations that increase property value, property ownership transfers where the new assessed value differs from the previous assessment, and corrections to previous assessments. The supplemental tax amount is calculated by taking the difference between the old and new assessed values, multiplying by the applicable tax rate, and prorating for the remaining months in the tax year.

For example, if a $100,000 home improvement is completed in January and increases the assessed value by $19,000 (at 19% assessment ratio), with a total tax rate of $5.00 per $100, the annual increase would be $950. Since 11 months remain in the tax year, the supplemental bill would be approximately $869 ($950 × 11/12 months). Property owners typically receive supplemental bills within 30-60 days of the triggering event.

Example Calculation

Here are three examples showing annual property tax calculations for Camden County properties, assuming a mid-range tax rate of $4.75 per $100 of assessed value:

Example 1: $300,000 Home

  • Market Value: $300,000
  • Assessed Value (19%): $57,000
  • Eligible Taxpayer Credit (if qualified): -$750 maximum
  • Net Taxable Value: $56,250 (assuming maximum credit applied)
  • Annual Tax: $2,672 ($56,250 × $4.75/$100)
  • Monthly Payment: $223

Example 2: $600,000 Home

  • Market Value: $600,000
  • Assessed Value (19%): $114,000
  • Homestead Credit (if applicable): Amount varies by assessment increase limitation
  • Net Taxable Value: $114,000 (assuming no applicable credits)
  • Annual Tax: $5,415 ($114,000 × $4.75/$100)
  • Monthly Payment: $451

Example 3: $1,000,000 Home

  • Market Value: $1,000,000
  • Assessed Value (19%): $190,000
  • Net Taxable Value: $190,000 (high-value properties typically receive minimal credits)
  • Annual Tax: $9,025 ($190,000 × $4.75/$100)
  • Monthly Payment: $752

Note: Tax credits require annual application and eligibility verification. Contact Camden County Collector by June 30 each year for Eligible Taxpayer Credit applications.

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Section 5

Escrow & Property Taxes

Most mortgage lenders in Camden County require borrowers to maintain an escrow account for property tax payments, especially for loans with less than 20% down payment. Lenders collect monthly escrow payments as part of your mortgage payment, then pay property taxes directly to Camden County when bills become due. The escrow amount is calculated by dividing your annual tax bill by 12 months, often with a buffer amount to ensure sufficient funds.

Camden County property taxes are typically due in two installments: December 31st for the first half and June 30th of the following year for the second half (verify current dates with Camden County Collector). Lenders usually pay each installment shortly before the due date to avoid penalties. Property owners should receive an annual escrow analysis from their lender showing projected tax amounts and any escrow adjustments needed.

If you don't have an escrow account, you're responsible for paying property taxes directly to the Camden County Collector's office. Payment options typically include online payments, mail, or in-person at the collector's office. It's important to verify that your lender is paying the correct amount by reviewing your tax bills, as assessment changes or special district modifications can affect your annual tax obligation.

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Section 6

Frequently Asked Questions

Q: When are Camden County property taxes due for the current tax year? A: Property taxes are typically due in two installments: December 31st for the first half and June 30th of the following year for the second half. Verify exact dates with the Camden County Collector as deadlines may vary.

Q: What tax credits are available and how do I apply? A: The primary credit is the Eligible Taxpayer Tax Credit (maximum $1,100 for homeowners, $750 for renters). Applications must be filed with the Camden County Collector by June 30 each year. Senior and disability credits may also be available - contact the Assessor's office for eligibility requirements and applications.

Q: How does the Homestead Credit work? A: Missouri's homestead credit limits assessment increases rather than reducing market value. It caps the annual increase in assessed value for qualifying owner-occupied residences. You must apply annually and meet occupancy requirements. Contact the Camden County Assessor for specific application procedures and deadlines.

Q: How often are properties reassessed in Camden County? A: Missouri law requires reassessment cycles, but frequency can vary. Contact the Camden County Assessor for the current reassessment schedule and to verify your property's assessment information.

Q: What happens if I pay my property taxes late? A: Late payments incur penalties and interest charges. After December 31st, the first half becomes delinquent and after June 30th, the second half becomes delinquent. Eventually, unpaid taxes can result in tax sale proceedings.

Q: Can I pay my property taxes online? A: Contact the Camden County Collector's office to verify available online payment options and any associated fees for electronic payments.

Q: Why do my taxes differ from my neighbor's on a similar property? A: Tax amounts can vary due to different assessed values, different special taxing districts (fire, ambulance, school districts), and different applicable tax credits. District boundaries don't always follow obvious geographic patterns.

Q: How do I appeal my property assessment? A: Assessment appeals must be filed with the Camden County Board of Equalization during their specified appeal period, typically in June and July. Contact the Camden County Assessor for current appeal procedures and deadlines.

Q: Do special districts within Camden County have different tax rates? A: Yes, your total tax rate depends on your location within various overlapping special districts including school districts, fire protection districts, ambulance districts, and others. Each has its own tax rate that combines for your total bill.

Q: What if I disagree with special district taxes on my bill? A: Special district taxes are set by each district's governing board. Contact the specific district directly for questions about their portion of your tax bill, or the Camden County Clerk for information about district boundaries and rates.

Verified Sources

Backed by 8 Official Government Sources

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

01
County
Camden County Assessorcamdencountymo.gov
02
State
2025 Property Tax Rate Report - Missouri State Auditor's Officeauditor.mo.gov
03
Tax Doc
Property Tax Calculatorsauditor.mo.gov
04
State
an ordinance providing for real estate tax credit for qualifiedcamdencountymo.gov
05
Personal Property Frequently Asked Questionscamdencountymo.gov
06
Tax Doc
Property Tax Credit - Missouri Department of Revenuedor.mo.gov
07
UNIFIED LAND-USE CODEcamdencountymo.gov
08
Unified Land-Use Codescamdencountymo.gov
All sources verified as of 2025 Tax Year

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