HonestCasa logoHonestCasa
All Tax Guides
Updated 2025 Tax Year

Camden County
Property Tax Guide

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

10 Official Sources
8 min read
Calculate Your True CostMortgage Calculator
Quick Facts
Tax Rate
Base rate varies, additional fire district and special taxing district rates apply based on location
Exemptions
5+ Available
Section 1

How Property Tax Works

Camden County, North Carolina operates on an annual property tax system that funds essential local services including public schools, emergency services, road maintenance, and county operations. Property taxes are assessed based on the fair market value of real estate, personal property, and vehicles as determined by the county assessor's office. The county conducts property revaluations periodically to ensure assessments reflect current market conditions.

The effective tax rate varies by location within Camden County due to special taxing districts and fire districts that may impose additional assessments beyond the base county rate. Property owners should verify their specific tax rate based on their property's location and applicable special districts. Most property tax relief programs require annual applications and are not automatically applied, so property owners must proactively apply for any credits or exemptions they may qualify for.

Section 2

What Makes Up Your Tax Bill

ComponentRate per $100Description
County General Tax$0.73Base county operations, schools, services
Fire District Tax$0.01Fire protection services (applicable areas)
Total Base Rate$0.74Combined rate for most properties

Rates shown are for FY 2025. Actual rates may vary by property location within Camden County due to special taxing districts. The fire district tax applies only to properties located within designated fire protection districts. Property owners should verify their specific rate with the Camden County Tax Office based on their property's location and applicable special assessments.

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 to a property's assessed value or ownership status during the tax year. Common triggers include new construction completion, property improvements that increase value, ownership transfers, or corrections to previous assessments. When a supplemental assessment is issued, the additional tax is calculated on a pro-rated basis from the date the change became effective through the end of the current tax year.

For example, if a $100,000 home addition is completed on July 1st during the tax year, the supplemental tax would be calculated on the increased assessed value for the remaining portion of the tax year. At Camden County's $0.74 per $100 rate, this would result in an additional $740 annual tax, pro-rated for the months remaining in the tax year from July through the following June.

Example Calculation

Example 1: $300,000 Home

  • Assessed Value: $300,000
  • Less: Homestead Credit (if applied): Varies based on income
  • Net Taxable Value: $300,000 (assuming no credits)
  • Annual Tax: $300,000 ÷ 100 × $0.74 = $2,220
  • Monthly Escrow: $185

Example 2: $600,000 Home

  • Assessed Value: $600,000
  • Less: Homestead Credit (if applied): Varies based on income
  • Net Taxable Value: $600,000 (assuming no credits)
  • Annual Tax: $600,000 ÷ 100 × $0.74 = $4,440
  • Monthly Escrow: $370

Example 3: $1,000,000 Home

  • Assessed Value: $1,000,000
  • Less: Applicable Credits: Varies by qualification
  • Net Taxable Value: $1,000,000 (assuming no credits)
  • Annual Tax: $1,000,000 ÷ 100 × $0.74 = $7,400
  • Monthly Escrow: $617

Note: Tax credits require annual application and are not automatically applied. Actual amounts will vary based on special district assessments and approved credits.

See How Taxes Affect Your Payment

Property taxes are just part of your total monthly cost. Get the full picture.

Calculate Now
Section 5

Escrow & Property Taxes

Most mortgage lenders in Camden County require property tax escrow accounts for borrowers with less than 20% down payment or those who voluntarily elect escrow services. Lenders collect monthly payments equal to 1/12th of the annual property tax bill plus homeowners insurance premiums. The escrow account is managed by the mortgage servicer, who pays property taxes directly to Camden County when due.

Property tax bills are typically issued in late summer/early fall for the upcoming tax year. Lenders receive copies of tax bills and adjust escrow payments annually based on the current assessment and tax rate. Property owners should review their annual escrow analysis statement to verify accuracy and understand any payment changes. If you pay taxes directly without escrow, ensure you budget for the full annual amount and make payments by the county's established due dates to avoid penalties and interest charges.

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 Camden County property taxes due for FY 2025? A: Personal property listings are due by January 31st. Property tax relief applications must be filed by June 1st for the current tax year.

Q: What tax credits are available and do they require applications? A: Camden County offers several tax credits including elderly/disabled homestead, disabled veteran, and circuit breaker programs. All credits require annual applications using form AV-9, which must be filed by June 1st.

Q: How does the homestead credit work? A: The homestead credit limits annual assessment increases rather than reducing the property's market value. It requires annual application and income qualification. This caps how much your assessed value can increase each year, providing tax stability.

Q: How often does Camden County reassess properties? A: Camden County conducts periodic county-wide revaluations. Property owners who disagree with assessments can appeal during the designated appeal period following reassessment notices.

Q: What are the penalties for late property tax payments? A: Late payments incur interest charges and penalties as specified in North Carolina General Statutes. Contact the Camden County Tax Office for current penalty rates and payment options.

Q: Can I pay property taxes online? A: Contact Camden County Tax Office directly to inquire about available online payment options and accepted payment methods for property taxes.

Q: What is the disabled veteran exemption amount? A: Qualifying disabled veterans may receive an exemption on the first $45,000 of assessed value of their primary residence. This requires certification and application through the county tax supervisor.

Q: Do I automatically receive credits if I qualify? A: No, most property tax credits and exemptions require annual applications. Property owners must proactively apply using the appropriate forms and meet all deadlines to receive benefits.

Verified Sources

Backed by 10 Official Government Sources

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

01
County
Tax Rate | Camden County, NCcamdencountync.gov
02
County
Next County 2024-25 2023-24 2022-23 2021-22 2020-21ncdor.gov
03
Tax Doc
Property Tax Rate - OSBMlinc.osbm.nc.gov
04
Tax Doc
Application for Property Tax Reliefcamdencountync.gov
05
County
Personal Property Listing | Camden County, NCcamdencountync.gov
06
Tax Doc
Property Tax - Formsncdor.gov
07
Tax Doc
NCDVA-9: Property Tax Relief for Disabled Veteranscamdencountync.gov
08
S.L. 1971-806ncga.state.nc.us
09
County
CAMDEN COUNTY, NORTH CAROLINA ANNUAL FINANCIAL ...camdencountync.gov
10
VNITORVO HON AND NEWcamdencountync.gov
All sources verified as of 2025 Tax Year

See the Full Picture of Your Home Costs

Property taxes are just one piece of homeownership. HonestCasa helps you understand your total monthly cost and explore safe ways to access your home equity.

Total Monthly Cost

Mortgage + taxes + insurance + HOA

Equity Growth

Track how your equity grows over time

Safe Equity Access

Options for projects or debt payoff

Run Your ScenarioTry Calculator

Free • No credit check • 2-minute estimate