HonestCasa logoHonestCasa
All Tax Guides
Updated 2025 Tax Year

Charles City County
Property Tax Guide

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

10 Official Sources
8 min read
Calculate Your True CostMortgage Calculator
Quick Facts
Tax Rate
$0.87 per $100 assessed value (varies by special taxing districts)
1st Due
Dec 5
Exemptions
4+ Available
Section 1

How Property Tax Works

Charles City County operates on a property tax system that serves as the primary funding source for essential county services including public safety, road maintenance, parks and recreation, and administrative operations. The county assesses and collects its own property taxes, providing direct local control over the taxation process and ensuring funds remain within the community to support county residents.

Property taxes in Charles City County are calculated based on assessed value and vary depending on your location within the county due to special taxing districts and additional assessments. The effective tax rate for real estate is significantly lower than the state average, making Charles City County an attractive option for homeowners. It's important to note that actual tax bills can vary considerably based on special district assessments, available tax credits, and the specific location of your property within county boundaries.

Section 2

What Makes Up Your Tax Bill

ComponentRate per $100Description
Real Estate$0.66Base county tax rate for real property (FY 2025)
Tangible Personal Property$3.75Rate for vehicles, boats, and other personal property (FY 2025)

Note: These rates are for fiscal year 2025 and are subject to change annually. Actual tax rates may vary by location within Charles City County due to special taxing districts. The personal property tax rate has been reduced by $0.42 per $100 of assessed value since 2015, representing significant savings for residents.

Section 3

When Are Property Taxes Due?

For the 2025/2026 tax year in Charles City County, property taxes are due in two installments:

First Installment
Dec 5
Delinquent after Dec 10
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 Charles City County are additional property tax assessments that occur when there are changes to property ownership, improvements, or new construction after the January 1st lien date. These taxes are calculated based on the prorated value of the change from the date it occurred through the end of the current tax year.

Common triggers for supplemental taxes include: completion of new construction, major renovations that increase property value, change in property ownership, or correction of assessment errors. For example, if you complete a $50,000 home addition in June, you would receive a supplemental tax bill for the increased assessed value from June through December 31st of that tax year, calculated at the current real estate tax rate of $0.66 per $100 of assessed value.

Example Calculation

Example 1: $300,000 Home

  • Assessed Value: $300,000
  • Tax Credits Applied: $0 (assuming no credits)
  • Net Taxable Value: $300,000
  • Annual Tax: $300,000 ÷ 100 × $0.66 = $1,980
  • Monthly Escrow: $165

Example 2: $600,000 Home

  • Assessed Value: $600,000
  • Tax Credits Applied: $0 (assuming no credits)
  • Net Taxable Value: $600,000
  • Annual Tax: $600,000 ÷ 100 × $0.66 = $3,960
  • Monthly Escrow: $330

Example 3: $1,000,000 Home

  • Assessed Value: $1,000,000
  • Tax Credits Applied: $0 (assuming no credits)
  • Net Taxable Value: $1,000,000
  • Annual Tax: $1,000,000 ÷ 100 × $0.66 = $6,600
  • Monthly Escrow: $550

Note: Tax credits for elderly, disabled, or qualifying veterans may reduce these amounts but require separate application to the Commissioner of Revenue.

See How Taxes Affect Your Payment

Property taxes are just part of your total monthly cost. Get the full picture.

Calculate Now
Section 5

Escrow & Property Taxes

Most mortgage lenders in Charles City County require property tax escrow accounts to ensure timely payment of property taxes. Your lender collects 1/12th of your estimated annual property tax bill each month along with your mortgage payment, then pays the county directly when taxes become due on December 5th.

Lenders typically conduct annual escrow analyses to verify that sufficient funds are being collected. If your property taxes increase due to reassessment or rate changes, your monthly escrow payment may be adjusted accordingly. You'll receive an escrow analysis statement showing any shortage or surplus, and payments may be adjusted over the following 12 months. Property owners are responsible for verifying that their lender has received and processed tax bills correctly, as any late payments will result in penalties regardless of escrow arrangements.

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

When are property taxes due in Charles City County? Property taxes for fiscal year 2025 are due December 5, 2025. Late payments are accepted until December 8, 2025, after which penalties and interest apply.

What tax credits are available and do they require application? Tax credits for elderly and disabled homeowners may be available and require application to the Commissioner of Revenue. Veterans may also qualify for certain tax credits. All credits require separate application and are not automatically applied to your tax bill.

How does the homestead exemption work? Charles City County may offer homestead-type credits that limit annual assessment increases rather than reducing market value. Applicants must own the property as of December 31st of the qualifying year, and the property must be their only residence. Applications are required and not automatic.

How often are properties reassessed? Contact the Commissioner of Revenue for the current assessment schedule. Property owners have the right to appeal assessments if they believe the valuation is incorrect.

What are the penalties for late payment? Late payments incur penalties and interest charges. Contact the county tax office for current penalty rates and payment options.

Can I pay property taxes online? Contact Charles City County directly for available online payment options and accepted payment methods.

Do special districts affect my tax rate? Yes, your location within Charles City County may subject your property to additional special district taxes beyond the base county rate. Check your tax bill for specific district assessments.

Who do I contact for tax credit applications? Contact the Commissioner of Revenue for all tax credit applications, eligibility requirements, and application deadlines. Most credits require annual reapplication.

Verified Sources

Backed by 10 Official Government Sources

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

01
EDA Board Meeting Minutescharlescityva.us
02
County
Tax Rates for County, City, Town, and Districts. TY 2024tax.virginia.gov
03
Financial Update | RAN Bidding Resultscharlescityva.us
04
County
News Flash • Charles City County, VA • CivicEngagecharlescityva.us
05
County
News Flash • Charles City County, VA • CivicEngagecharlescityva.us
06
County
Charles City County Offices Closingcharlescityva.us
07
County
COUNTY of CHARLES CITYcharlescityva.us
08
Treasurercharlescityva.us
09
Applications, Forms, and Documentscharlescityva.us
10
County
COUNTY OF CHARLES CITY, VIRGINIAcharlescityva.us
All sources verified as of 2025 Tax Year

See the Full Picture of Your Home Costs

Property taxes are just one piece of homeownership. HonestCasa helps you understand your total monthly cost and explore safe ways to access your home equity.

Total Monthly Cost

Mortgage + taxes + insurance + HOA

Equity Growth

Track how your equity grows over time

Safe Equity Access

Options for projects or debt payoff

Run Your ScenarioTry Calculator

Free • No credit check • 2-minute estimate