Q: When are Ottawa County property taxes due for 2025?
A: For the 2025 tax year, the first half payment is due February 19, 2026, and the second half is due July 17, 2026. These dates apply to both real estate and manufactured homes.
Q: What tax credits are available and how do I apply?
A: The primary credit is the Homestead Credit, which provides up to $28,000 in market value exemption for qualifying seniors (65+), disabled persons, or surviving spouses of public service officers. You must apply annually using form DTE 105A with the Ottawa County Auditor's office. This credit is NOT automatic.
Q: How does the Homestead Credit work?
A: The Homestead Credit doesn't reduce your property's market value but rather caps assessment increases and provides a credit against your tax bill. It exempts up to $28,000 of market value from taxation, which equals $9,800 in assessed value relief (35% of $28,000).
Q: How often are properties reassessed in Ottawa County?
A: Ohio requires counties to conduct property reappraisals every six years and update assessments every three years. Property owners can appeal assessments through the Ottawa County Board of Revision if they believe their assessment is incorrect.
Q: What happens if I pay my property taxes late?
A: Late payments incur penalties and interest charges. After the due date, penalties typically start at 10% and increase over time. Unpaid taxes can eventually lead to foreclosure proceedings.
Q: Can I pay my property taxes online?
A: Yes, Ottawa County offers online payment options through the County Treasurer's website. You can pay by electronic check or credit card, though credit card payments may include processing fees.
Q: Why do property tax rates vary within Ottawa County?
A: Different areas of the county are served by different school districts, municipalities, townships, and special districts (like fire, library, or park districts). Each entity can levy taxes, so your total rate depends on which combination of districts serves your property.
Q: What if I disagree with my property assessment?
A: You can file an appeal with the Ottawa County Board of Revision. Appeals must be filed by March 31st of the tax year following the assessment. You'll need evidence such as recent comparable sales, professional appraisals, or documentation of property conditions that may affect value.
