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Updated 2025 Tax Year

Sequatchie County
Property Tax Guide

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

10 Official Sources
8 min read
Quick Facts
Tax Rate
Varies by district - base county rate plus municipal and special district additions
Exemptions
4+ Available
Section 1

How Property Tax Works

Sequatchie County, Tennessee operates on a property tax system that funds essential county services including schools, roads, public safety, and local government operations. Property taxes are calculated based on assessed values, which are determined by the County Assessor's Office and reassessed periodically. The county follows Tennessee's standard assessment practices, with residential properties typically assessed at 25% of market value.

Property tax rates in Sequatchie County vary by location within the county due to different special taxing districts and municipal boundaries. The county includes the City of Dunlap and various special service districts, each of which may levy additional taxes beyond the base county rate. With an average home value of approximately $162,450 in the county, property owners can expect their actual tax burden to depend on both their property's assessed value and their specific location within Sequatchie County's taxing jurisdictions.

Section 2

What Makes Up Your Tax Bill

ComponentRateDescription
County GeneralTBDBase county operations, services, and infrastructure
County SchoolsTBDSequatchie County school system funding
Municipal RateVariesCity of Dunlap and other municipal services (if applicable)
Special DistrictsVariesFire districts, utility districts, and other special assessments

Note: Tax rates for FY 2025-2026 are set by the local county commission and have not yet been finalized. Rates shown are subject to change based on budget adoption. Your total tax rate will depend on your property's location within specific taxing districts. Contact the Sequatchie County Assessor's Office for current rates applicable to your property.

Section 3

When Are Property Taxes Due?

For the 2025/2026 tax year in Sequatchie 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 Sequatchie County are additional property tax assessments that occur outside the regular annual billing cycle. These are typically triggered by changes in property ownership, completion of new construction, or significant improvements that increase a property's assessed value during the tax year. When such changes occur, the County Assessor calculates the difference between the previous assessment and the new assessment, then applies the current tax rate to determine the supplemental amount owed.

For example, if you complete a $50,000 home addition in March and the property is reassessed, you would receive a supplemental tax bill for the increased assessed value (typically 25% of the improvement cost, or $12,500) multiplied by your area's tax rate, prorated from the completion date through the end of the fiscal year. This supplemental bill is separate from your regular annual property tax bill and has its own payment due date.

Example Calculation

$300,000 Property:

  • Market Value: $300,000
  • Assessed Value (25%): $75,000
  • Less: Homestead Credit (if applicable): $0-$7,500*
  • Net Taxable Value: ~$67,500-$75,000
  • Annual Tax (estimated 1.5% effective): ~$1,013-$1,125
  • Monthly (with escrow): ~$84-$94

$600,000 Property:

  • Market Value: $600,000
  • Assessed Value (25%): $150,000
  • Less: Homestead Credit (if applicable): $0-$7,500*
  • Net Taxable Value: ~$142,500-$150,000
  • Annual Tax (estimated 1.5% effective): ~$2,138-$2,250
  • Monthly (with escrow): ~$178-$188

$1,000,000 Property:

  • Market Value: $1,000,000
  • Assessed Value (25%): $250,000
  • Less: Homestead Credit (if applicable): $0-$7,500*
  • Net Taxable Value: ~$242,500-$250,000
  • Annual Tax (estimated 1.5% effective): ~$3,638-$3,750
  • Monthly (with escrow): ~$303-$313

*Tax credits require application and eligibility verification. Credits are not automatic and must be renewed as required by county procedures.

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Section 5

Escrow & Property Taxes

Most mortgage lenders in Sequatchie County require property tax escrow accounts for borrowers with less than 20% down payment. Your lender collects 1/12 of your estimated annual property tax bill with each monthly mortgage payment and holds these funds in escrow. When property tax bills are due in October and April, your lender pays the taxes directly to Sequatchie County on your behalf.

Lenders typically review escrow accounts annually and may adjust your monthly payment based on actual tax bills and account balance. If your property taxes increase due to reassessment or rate changes, your monthly escrow payment will likely increase as well. You should receive an annual escrow statement showing all deposits, payments, and balance changes. It's important to verify that your lender has paid your taxes on time, as you remain ultimately responsible for ensuring payment even when using escrow services.

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 property taxes due in Sequatchie County for FY 2025-2026? A: Property taxes are typically paid in two installments - the first installment is due in October, and the second installment is due in April. A final payment is generally due in June if any balance remains.

Q: What tax credits are available and do they require application? A: Tennessee offers various tax relief programs including homestead credits for eligible homeowners, elderly/disabled credits, and veteran exemptions. All credits require application and eligibility verification - they are not automatically applied. Contact the Sequatchie County Assessor's Office for specific applications and deadlines.

Q: How does the homestead credit work? A: The homestead credit in Tennessee typically limits annual assessment increases rather than reducing market value directly. This means your assessed value cannot increase by more than a certain percentage each year (often capped at around 10%). You must apply for this credit - it is not automatic.

Q: When are properties reassessed in Sequatchie County? A: Tennessee requires county-wide reappraisals every 4-6 years. Between reappraisals, the County Assessor may conduct spot assessments for properties with new construction, significant improvements, or ownership changes.

Q: How do I appeal my property assessment? A: Property owners who disagree with their assessment can appeal to the Sequatchie County Board of Equalization. Appeals must typically be filed within specific deadlines after assessment notices are mailed. Contact the County Assessor's Office for current appeal procedures and deadlines.

Q: What are the penalties for late property tax payments? A: Late property tax payments in Tennessee typically incur penalties and interest charges. The exact penalty structure is set by state law and local policy. Contact the Sequatchie County Trustee's Office for current penalty rates and payment options.

Q: Can I pay property taxes online? A: Many Tennessee counties offer online payment options through their county trustee or tax collector websites. Check the Sequatchie County Trustee's website or contact their office directly for available online payment methods and any associated convenience fees.

Q: How do special district taxes work? A: If your property is located within special taxing districts (such as fire districts, utility districts, or municipal boundaries), you'll pay additional taxes beyond the base county rate. These appear as separate line items on your tax bill and fund specific services in your area. The total rate varies by location within Sequatchie County based on which districts serve your property.

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