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Updated 2025 Tax Year

Grundy County
Property Tax Guide

Everything you need to know about property taxes in Grundy County, TN. 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
Varies by district due to special taxing districts for schools, fire, and utilities
Exemptions
5+ Available
Section 1

How Property Tax Works

Grundy County, Tennessee operates under a property tax system that serves as the primary funding mechanism for essential local services including public schools, road maintenance, emergency services, and county government operations. The county utilizes a 25% assessment ratio, meaning your property tax is calculated on 25% of your property's appraised market value. This assessment percentage is determined by the state board of equalization and applies uniformly across the county for the 2025 tax year.

Property tax rates in Grundy County vary by location within the county due to special taxing districts, which may include school districts, fire districts, or utility districts. These additional assessments fund specific services within designated areas, so your exact tax rate depends on which districts serve your property. The county commission sets these rates annually based on budgeted services and funding requirements, making it important to verify the specific rate applicable to your property location.

Section 2

What Makes Up Your Tax Bill

ComponentRateDescription
Base County RateVariesGeneral county operations and services
School DistrictVariesPublic education funding
Special DistrictsVariesFire protection, utilities, or other local services
Total Effective RateVaries by DistrictCombined rate for FY 2025-2026

Note: The exact tax rate for your property depends on which special taxing districts serve your location. Contact the Grundy County Assessor's office at (931) 692-3551 for your specific district rates. The 25% assessment ratio applies to all residential properties countywide for the 2025 levy year.

Section 3

When Are Property Taxes Due?

For the 2025/2026 tax year in Grundy 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 Grundy County are triggered by changes in property ownership, completion of new construction, or significant improvements that increase a property's assessed value during the tax year. These supplemental assessments are calculated using the same 25% assessment ratio applied to the increased value, then multiplied by the applicable tax rate for your district.

For example, if you complete a $50,000 home addition in July, the supplemental tax would be calculated on 25% of that value ($12,500) multiplied by your district's tax rate, prorated for the remaining months in the tax year. The county assessor determines when supplemental assessments are warranted and issues supplemental tax bills accordingly.

Example Calculation

Example 1: $300,000 Home

  • Market Value: $300,000
  • Assessed Value (25%): $75,000
  • Tax Credits Applied: $0 (assuming no credits)
  • Net Taxable Value: $75,000
  • Annual Tax (estimated 2.5% rate): $1,875
  • Monthly Payment: $156.25

Example 2: $600,000 Home

  • Market Value: $600,000
  • Assessed Value (25%): $150,000
  • Tax Credits Applied: $0 (assuming no credits)
  • Net Taxable Value: $150,000
  • Annual Tax (estimated 2.5% rate): $3,750
  • Monthly Payment: $312.50

Example 3: $1,000,000 Home

  • Market Value: $1,000,000
  • Assessed Value (25%): $250,000
  • Tax Credits Applied: $0 (assuming no credits)
  • Net Taxable Value: $250,000
  • Annual Tax (estimated 2.5% rate): $6,250
  • Monthly Payment: $520.83

Note: Tax credits require separate applications and are not automatically applied. Contact the county assessor for available credits and application procedures.

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Section 5

Escrow & Property Taxes

If you have a mortgage, your lender typically collects property taxes through an escrow account as part of your monthly mortgage payment. The lender estimates your annual tax liability, divides it by 12, and includes this amount in your monthly payment. Lenders usually maintain a cushion in the escrow account to ensure sufficient funds for tax payments.

Grundy County property taxes are paid in three installments: the first due in April, second in September, and final payment in December. Your mortgage company will make these payments on your behalf from your escrow account. You should receive an annual escrow analysis from your lender showing how your payments are allocated and any adjustments needed for the following year based on actual tax bills received.

How HonestCasa Helps
  • Understand whether your escrow is set correctly
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Section 6

Frequently Asked Questions

Q: When are property taxes due for the current fiscal year? A: Grundy County property taxes are due in three installments: April, September, and December for the FY 2025-2026 tax year.

Q: What tax credits are available and do they require applications? A: Tax credits such as tax relief and tax freeze programs are available for qualifying property owners. These credits require applications and have specific deadlines - typically 35 days past the property tax delinquency date. Contact the county assessor for current applications and eligibility requirements.

Q: How does the homestead credit work? A: The homestead credit, when available, typically limits annual assessment increases rather than reducing market value. This credit requires filing an application and is not automatically applied to your property.

Q: When are properties assessed and how can I appeal? A: Properties are assessed as of January 1 each year. Assessment appeals must be filed with the county assessor's office, and there are specific deadlines for filing appeals after receiving your assessment notice.

Q: What are the penalties for late payment? A: Late payment penalties and interest charges apply to overdue property taxes. Contact the county trustee's office for current penalty rates and payment options.

Q: Can I pay my property taxes online? A: Check with the Grundy County Trustee's office for available online payment options and accepted payment methods.

Q: How do special district taxes affect my bill? A: Special districts for schools, fire protection, or utilities add additional taxes to your bill. Your total rate depends on which districts serve your specific property location.

Q: What triggers a property reassessment? A: Property transfers, new construction, major improvements, or county-wide reappraisal programs can trigger reassessment of your property's value.

Verified Sources

Backed by 10 Official Government Sources

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

01
Tennessee Property Assessment Data | Parcel Detailsassessment.cot.tn.gov
02
County
goodlettsville - sumner countygoodlettsville.gov
03
Reappraisal Schedule - Tennessee Comptroller of the Treasurycomptroller.tn.gov
04
Assessment Schedule - Tennessee Comptroller of the Treasurycomptroller.tn.gov
05
Tax Doc
Due Dates and Tax Ratestn.gov
06
Tax Doc
How to Calculate Your Tax Billcomptroller.tn.gov
07
Tax Doc
Property Tax Freeze - Tennessee Comptroller of the Treasurycomptroller.tn.gov
08
Tax Doc
Tax Relief Application Status Searchcomptroller.tn.gov
09
County
Grundy County, Tennessee - Comptroller of the Treasurycomptroller.tn.gov
10
County
Franklin County, TN vs. The Town of Monteagle, TN, et altncourts.gov
All sources verified as of 2025 Tax Year

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