Q: When are property taxes due in Putnam County?
A: Property taxes are due and payable from the first Monday in October through February 28th each year without interest or penalties. For the current tax year (2025), taxes are due October 2025 through February 28, 2026.
Q: What tax credits are available and do they require application?
A: Tennessee offers several tax credits including the Homestead Credit for primary residences, Elderly/Disabled Credits, and Veterans Credits. All credits require separate application and are not automatically applied. Contact the Putnam County Assessor's office for applications and deadlines.
Q: How does the Homestead Credit work?
A: The Homestead Credit limits annual assessment increases on your primary residence, typically capping growth at a certain percentage. This credit reduces your assessed value, not your market value, and must be applied for separately. It does not automatically reduce your property value by a set amount.
Q: How often are properties reassessed in Putnam County?
A: Tennessee law requires county-wide reappraisals every 4-6 years. Individual properties may be reassessed more frequently due to sales, improvements, or appeals. The Putnam County Assessor's office maintains current assessment information.
Q: How can I appeal my property assessment?
A: Assessment appeals must be filed with the Putnam County Board of Equalization during their meeting period, typically in June-July. You'll need evidence supporting your claim that the assessment is incorrect, such as recent appraisals or comparable sales data.
Q: What are the penalties for late payment?
A: Interest begins accruing on unpaid property taxes starting March 1st. Additional penalties may apply for significantly delinquent accounts. Contact the Putnam County Trustee's office for current penalty and interest rates.
Q: Can I pay property taxes online?
A: Yes, Putnam County offers online payment options through the County Trustee's website. You can pay by electronic check or credit card, though credit card payments may include processing fees.
Q: Why did my tax bill change if I didn't make improvements?
A: Tax bills can change due to county-wide reassessments, changes in tax rates set by various taxing authorities, expiration of exemptions or credits, or corrections to previous assessments. Special district additions or boundary changes can also affect your total tax rate.
Q: What if my property is in both county and city limits?
A: Properties within incorporated municipalities pay both county and municipal property taxes. Your total tax rate will include the base county rate plus your city's municipal rate, resulting in a higher overall tax bill than unincorporated areas.
Q: How do special districts affect my property taxes?
A: Special districts such as fire districts, utility districts, or improvement districts can add additional taxes to properties within their boundaries. These rates vary by district and are added to your base county and municipal taxes.
