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Updated 2025 Tax Year

Loudon County
Property Tax Guide

Everything you need to know about property taxes in Loudon 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
$1.7683 per $100 of assessed value (varies by special districts)
Exemptions
4+ Available
Section 1

How Property Tax Works

Loudon County, Tennessee operates on an annual property tax system that funds essential county services including schools, public safety, infrastructure maintenance, and general government operations. Property taxes are the primary revenue source for local government services, with the county assessor determining property values and the county commission setting tax rates annually.

The property tax rate for Loudon County for the fiscal year beginning July 1, 2025, is $1.7683 per $100 of assessed value. However, your actual tax rate may vary depending on your location within the county due to special taxing districts such as utility districts, fire departments, or municipal services that may impose additional levies. Property owners should verify their specific tax rate based on their exact location and applicable special districts.

Section 2

What Makes Up Your Tax Bill

ComponentRate per $100Description
County General Fund$1.7683Base county operations, services, and schools
Special DistrictsVariesAdditional charges for utility districts, fire protection, or municipal services depending on location

Levy Year: Fiscal Year 2025-2026 (beginning July 1, 2025)

Note: The $1.7683 rate is the combined county rate. Properties located within incorporated cities or special service districts may be subject to additional municipal taxes or special assessments. Contact the Loudon County Assessor's Office to determine the exact rate applicable to your specific property location.

Section 3

When Are Property Taxes Due?

For the 2025/2026 tax year in Loudon 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 Loudon County are additional property tax assessments that occur when there are changes to property ownership, new construction, or substantial improvements made to existing properties during the tax year. These supplemental bills ensure that new property value is captured for the current tax year rather than waiting until the next regular assessment cycle.

Supplemental taxes are calculated by applying the current tax rate to the difference between the old assessed value and the new assessed value, prorated for the portion of the tax year remaining. For example, if you complete a $50,000 home addition in January and the assessed value increases by $40,000, you would receive a supplemental tax bill for the additional taxes owed on that $40,000 increase for the remainder of the fiscal year. This supplemental tax would be separate from and in addition to your regular annual property tax bill.

Example Calculation

Example 1: $300,000 Home

  • Market Value: $300,000
  • Assessed Value (25% of market): $75,000
  • Less: Tax Credits Applied: $0 (assuming no credits claimed)
  • Net Taxable Value: $75,000
  • Annual Tax ($75,000 × $1.7683/$100): $1,326.23
  • Monthly Escrow Estimate: $110.52

Example 2: $600,000 Home

  • Market Value: $600,000
  • Assessed Value (25% of market): $150,000
  • Less: Tax Credits Applied: $0 (assuming no credits claimed)
  • Net Taxable Value: $150,000
  • Annual Tax ($150,000 × $1.7683/$100): $2,652.45
  • Monthly Escrow Estimate: $221.04

Example 3: $1,000,000 Home

  • Market Value: $1,000,000
  • Assessed Value (25% of market): $250,000
  • Less: Tax Credits Applied: $0 (assuming no credits claimed)
  • Net Taxable Value: $250,000
  • Annual Tax ($250,000 × $1.7683/$100): $4,420.75
  • Monthly Escrow Estimate: $368.40

Note: Tax credits require separate application and are not automatically applied. Contact the Loudon County Assessor for available credit programs and application requirements.

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Section 5

Escrow & Property Taxes

Most mortgage lenders in Loudon County require property tax escrow accounts for borrowers with less than 20% down payment. Your lender collects monthly property tax payments along with your mortgage payment and holds these funds in an escrow account to pay your annual property tax bills when due.

Property tax payments in Loudon County follow a split schedule: the first installment for real estate taxes is typically due in October, with tangible personal property taxes due March 1, and real estate taxes due in April. Your lender will receive tax bills directly and pay them on your behalf from your escrow account. Lenders are required to conduct annual escrow analyses to ensure adequate funds are collected, and you'll receive notice of any payment adjustments. You can verify that your taxes have been paid by checking with the Loudon County Trustee's office or reviewing your annual escrow statement from your lender.

How HonestCasa Helps
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Section 6

Frequently Asked Questions

Q: When are property taxes due in Loudon County for the 2025-2026 fiscal year? A: Real estate taxes have a first installment due in October and final payment due in April. Tangible personal property taxes are due March 1.

Q: What tax credits are available and how do I apply? A: Loudon County offers tax relief for residents age 65 or older and those who are permanently and totally disabled. These credits reduce your actual tax bill and require a separate application to the County Assessor's office. Applications are not automatic and must be filed annually.

Q: Is there a homestead credit that limits assessment increases? A: Tennessee law allows counties to implement programs limiting assessment increases for qualifying homeowners. Contact the Loudon County Assessor to determine if such a program is currently available and to obtain application requirements. These programs typically require annual application and cap assessment growth rather than reducing market value.

Q: How often are properties reassessed in Loudon County? A: Tennessee requires property reappraisal programs, but counties set their own schedules. Contact the Loudon County Assessor for the current reappraisal cycle and schedule.

Q: How do I appeal my property assessment? A: Assessment appeals must be filed with the Loudon County Board of Equalization during the designated appeal period following the assessment notice. Specific deadlines and procedures are provided with your assessment notice.

Q: What are the penalties for late property tax payments? A: Late payments incur interest and penalties as specified in Tennessee state law. Contact the Loudon County Trustee's office for current penalty rates and payment options.

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

Q: Why is my tax rate different from my neighbor's? A: Tax rates vary within Loudon County based on special taxing districts such as fire districts, utility districts, or municipal boundaries. Your specific location determines which additional levies apply to your property beyond the base county rate.

Verified Sources

Backed by 10 Official Government Sources

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

01
Tax Doc
Tax Levy Resolutionloudoncounty-tn.gov
02
Tax Doc
CONSIDERATION OF TAX RATE ...loudoncounty-tn.gov
03
County
Property Tax Rates - County Assessment Info - TN.govcomptroller.tn.gov
04
Tangible Personal Propertycomptroller.tn.gov
05
County
Loudon County Commissionloudoncounty-tn.gov
06
County
Taxes in Loudoun Countyloudoun.gov
07
State
Real Estate Tax Relief for Older Adults & Residents with ...loudoun.gov
08
County
Loudon County Commissionloudoncounty-tn.gov
09
County
LOUDON COUNTY COMMISSIONloudoncounty-tn.gov
10
;:f K3loudoncounty-tn.gov
All sources verified as of 2025 Tax Year

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