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Updated 2025 Tax Year

Bradley County
Property Tax Guide

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

7 Official Sources
8 min read
Quick Facts
Tax Rate
0.9922% base rate, varies by district (fire districts add 0.2182%)
Exemptions
4+ Available
Section 1

How Property Tax Works

Bradley County, Tennessee operates under a property tax system that funds essential local services including public schools, county operations, emergency services, and infrastructure maintenance. Property taxes are assessed based on the appraised value of real estate and personal property, with the county using these revenues to provide critical community services to residents throughout the area.

The effective property tax rate in Bradley County for 2025 is approximately 0.9922% of assessed value, though actual rates vary significantly by location within the county due to special taxing districts. Properties within certain fire districts face additional assessments, such as the SSD Fire Tax Rate which adds 0.2182% for properties in inside fringe areas. This means your total effective rate could range from the base county rate to over 1.2% depending on your specific location and the special districts that serve your property.

Bradley County assesses properties at their full market value, and unlike some Tennessee counties, there is no assessment cap that limits annual increases. Tax bills are typically mailed in October each year, with payment due by the last day of February of the following year.

Section 2

What Makes Up Your Tax Bill

ComponentRate per $100Description
Bradley County Base Rate$0.9922Funds county operations, schools, and basic services
SSD Fire Tax (Inside Fringe)$0.2182Additional fire protection services for specific districts
Total Potential Rate$1.2104Maximum rate for properties in fire districts

These rates apply to the 2025 tax year. Your actual tax rate depends on your property's location within Bradley County and which special taxing districts serve your area. Properties outside special fire districts pay only the base county rate of $0.9922 per $100 of assessed value. Contact the Bradley County Assessor's office to determine which districts apply to your specific property.

Section 3

When Are Property Taxes Due?

For the 2025/2026 tax year in Bradley 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 Bradley County are triggered when property ownership changes after January 1st of the tax year or when new construction is completed and added to the tax rolls mid-year. When a deed change occurs, a new tax bill will be mailed to the new property owner upon request, prorating the annual tax obligation based on the ownership period.

The supplemental tax is calculated by taking the full annual tax amount and prorating it for the portion of the year under new ownership or the period when new construction becomes taxable. For example, if you purchase a home on July 1st with an annual tax bill of $3,000, your supplemental tax would be approximately $1,500 (covering July through December). The previous owner remains responsible for taxes from January through June. New construction completed mid-year follows a similar proration method based on when the improvements are substantially completed and added to the assessment roll.

Example Calculation

Example 1: $300,000 Home (Base County Rate Only)

  • Market Value: $300,000
  • Assessed Value: $300,000 (100% assessment)
  • Less: Tax Relief Credit: $0 (if applicable, requires application)
  • Net Taxable Value: $300,000
  • Annual Tax: $300,000 × 0.009922 = $2,976.60
  • Monthly Escrow: $248.05

Example 2: $600,000 Home (Base Rate + Fire District)

  • Market Value: $600,000
  • Assessed Value: $600,000 (100% assessment)
  • Less: Tax Relief Credit: $0 (if applicable, requires application)
  • Net Taxable Value: $600,000
  • Annual Tax: $600,000 × 0.012104 = $7,262.40
  • Monthly Escrow: $605.20

Example 3: $1,000,000 Home (Base Rate + Fire District)

  • Market Value: $1,000,000
  • Assessed Value: $1,000,000 (100% assessment)
  • Less: Tax Relief Credit: $0 (if applicable, requires application)
  • Net Taxable Value: $1,000,000
  • Annual Tax: $1,000,000 × 0.012104 = $12,104.00
  • Monthly Escrow: $1,008.67

Note: Tax relief credits are available for qualifying homeowners but require annual application. Contact the Bradley County Assessor for eligibility requirements and application procedures.

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Section 5

Escrow & Property Taxes

Most mortgage lenders in Bradley County require borrowers to maintain an escrow account for property tax payments, especially when the loan-to-value ratio exceeds 80%. Your lender will collect monthly escrow payments as part of your mortgage payment, typically calculating 1/12th of your annual property tax bill plus a small cushion to account for potential increases.

Lenders typically pay your Bradley County property taxes in February when they become due, using funds collected throughout the year in your escrow account. Your lender will receive and review your annual tax bill, which is mailed in October, and may adjust your monthly escrow payments if there are significant changes in your tax liability. You should receive an annual escrow analysis from your lender showing how your funds were used and any adjustments to your monthly payment. If you pay off your mortgage or refinance, ensure there's a smooth transition of escrow responsibilities to avoid late payment penalties, as property taxes remain due by the last day of February regardless of your mortgage status.

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 Bradley County property taxes due for the current fiscal year? A: Property taxes are due by the last day of February each year. For 2025, taxes are due by February 28, 2025. Tax bills are typically mailed in October of the preceding year.

Q: What tax credits are available and do they apply automatically? A: Tennessee offers property tax relief credits for qualifying homeowners, but these are NOT automatic and require annual application. Tax relief recipients still pay property taxes but may receive state reimbursement. Contact Bradley County Trustee Mike Smith at 423-728-7247 for application requirements and deadlines.

Q: Is there a homestead exemption that caps assessment increases? A: Tennessee does not have a traditional homestead exemption that caps assessment growth like some states. Bradley County assesses properties at full market value without assessment caps. However, tax relief programs may be available for qualifying homeowners through application.

Q: How often are properties reassessed in Bradley County? A: Tennessee law requires county-wide reappraisals every four to six years. Bradley County follows this schedule, with interim adjustments possible for properties that have been improved or significantly changed between reappraisal cycles.

Q: What are the penalties for late property tax payments? A: Late payment penalties and interest apply to property taxes not paid by the February due date. Contact the Bradley County Trustee's office for current penalty rates and payment options if your taxes become delinquent.

Q: Can I pay my property taxes online? A: Yes, Bradley County accepts online property tax payments through the Sturgis system. Online payments are recognized by the county as paid on the date of the online transaction. Partial payments can also be made by mail or in person, provided full payment is made by the February due date.

Q: Why is my tax rate different from my neighbor's? A: Tax rates vary within Bradley County based on special taxing districts. Properties in fire districts pay an additional $0.2182 per $100 of assessed value. Your specific rate depends on which districts serve your property location.

Q: What is the deadline for tax relief applications? A: Tax relief and tax freeze program applications have specific deadlines. For 2025, the deadline is April 5, 2025. This deadline typically falls 35 days after the tax delinquency date.

Q: How do I appeal my property assessment? A: Assessment appeals must be filed with the Bradley County Board of Equalization during designated appeal periods. Contact the Bradley County Assessor's office for current appeal procedures, deadlines, and required documentation.

Q: What happens if I buy property mid-year? A: If a deed change occurs after January 1st, a supplemental tax bill will be mailed to the new owner upon request. The annual tax liability is typically prorated between the previous owner and new owner based on the ownership periods during the tax year.

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