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Updated 2025 Tax Year

Charlotte County
Property Tax Guide

Everything you need to know about property taxes in Charlotte County, VA. 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
$0.62 per $100 of assessed value (FY2025), may vary by special taxing districts
1st Due
Dec 5
2nd Due
Jun 5
Exemptions
3+ Available
Section 1

How Property Tax Works

Charlotte County, Virginia operates on a fiscal year running from July 1st through June 30th, with property taxes serving as a primary funding source for essential county services including schools, public safety, infrastructure, and local government operations. The county assesses real property at fair market value and applies a tax rate of $0.62 per $100 of assessed value for fiscal year 2025 (ending June 30, 2025).

Property owners should note that actual tax rates may vary by location within Charlotte County due to special taxing districts or additional assessments that may apply to specific areas. The county bills property taxes twice annually, with the first half due December 5th and the second half due June 5th. Property owners are responsible for understanding which special districts may affect their property and ensuring timely payment to avoid penalties.

Section 2

What Makes Up Your Tax Bill

ComponentRate per $100DescriptionFiscal Year
Base Real Estate Tax$0.62County operations, schools, public servicesFY 2025
Special DistrictsVariesAdditional assessments may apply by locationFY 2025

Note: The $0.62 rate applies to fiscal year 2025 (ending June 30, 2025). Rates for subsequent years may differ and are adopted annually by the Board of Supervisors. Property owners should verify if their property is located within any special taxing districts that may impose additional assessments beyond the base county rate.

Section 3

When Are Property Taxes Due?

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

First Installment
Dec 5
Delinquent after Dec 10
Second Installment
Jun 5
Delinquent after Apr 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 Charlotte County are triggered when changes occur to real property tax records after the annual tax bills have been generated. Common triggers include ownership transfers, new construction completion, property improvements, or assessment corrections. These supplemental assessments are calculated based on the difference between the original assessed value and the new assessed value, prorated for the portion of the fiscal year remaining.

For example, if a property's assessed value increases from $400,000 to $500,000 due to completed renovations in January, and the change is recorded after bills were sent, a supplemental tax would be calculated on the $100,000 increase at the current tax rate, prorated from the effective date through June 30th of that fiscal year.

Example Calculation

Example 1: $300,000 Home

  • Assessed Value: $300,000
  • Tax Credits Applied: $0 (assuming no credits claimed)
  • Net Taxable Value: $300,000
  • Annual Tax: $300,000 ÷ 100 × $0.62 = $1,860
  • Monthly (if escrowed): $155

Example 2: $600,000 Home

  • Assessed Value: $600,000
  • Tax Credits Applied: $0 (assuming no credits claimed)
  • Net Taxable Value: $600,000
  • Annual Tax: $600,000 ÷ 100 × $0.62 = $3,720
  • Monthly (if escrowed): $310

Example 3: $1,000,000 Home

  • Assessed Value: $1,000,000
  • Tax Credits Applied: $0 (assuming no credits claimed)
  • Net Taxable Value: $1,000,000
  • Annual Tax: $1,000,000 ÷ 100 × $0.62 = $6,200
  • Monthly (if escrowed): $517

Note: Tax credits may be available for qualifying property owners but require separate application. Contact the Charlotte County Commissioner of Revenue for available credits and application procedures.

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Section 5

Escrow & Property Taxes

Most mortgage lenders in Charlotte County require property tax escrow accounts, collecting monthly payments along with principal and interest to ensure timely tax payment. Lenders typically pay property taxes on behalf of homeowners before the December 5th and June 5th due dates. Property owners with escrowed taxes should verify that their lender has current tax information and sufficient funds to cover both payment periods.

If your property taxes increase due to reassessment or rate changes, your lender may adjust monthly escrow payments and potentially require an escrow shortage payment. Property owners should review annual escrow statements carefully and contact their lender immediately if tax bills are not paid on time, as late penalties begin accruing after the last business day of the due month.

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 Charlotte County property taxes due for fiscal year 2025? A: First half taxes are due December 5th, and second half taxes are due June 5th. Late penalties apply if not paid by the last business day of each due month.

Q: What tax credits are available in Charlotte County? A: Various tax credits may be available including elderly/disabled credits and surviving spouse credits. All credits require application and are not automatic. Contact the Commissioner of Revenue for specific eligibility requirements and application deadlines.

Q: How does the homestead tax credit work? A: Homestead credits typically limit annual assessment increases rather than reducing market value. These require filing an application by specified deadlines. Contact Charlotte County's assessment office for current homestead programs and application requirements.

Q: How often are properties reassessed? A: Contact the Charlotte County Commissioner of Revenue for the current reassessment schedule and procedures for appealing assessments if you believe your property is overvalued.

Q: What are the penalties for late payment? A: Late penalties apply if taxes are not paid by the last business day of December (first half) or June (second half). Contact the Treasurer's office for specific penalty rates and procedures.

Q: Can I pay property taxes online? A: Yes, Charlotte County offers online payment options through their payment portal, accepting credit cards and debit cards for both real estate and personal property taxes.

Q: Do special district taxes apply to my property? A: Some properties may be subject to additional special district assessments beyond the base county rate. Check with the Commissioner of Revenue to determine if your property location includes any special taxing districts.

Q: What triggers a supplemental tax assessment? A: Property transfers, new construction completion, major improvements, or assessment corrections made after annual bills are generated can trigger supplemental assessments prorated for the remaining fiscal year.

Verified Sources

Backed by 10 Official Government Sources

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

01
Reassessmentcharlottecountyva.gov
02
SB1307 - 2025 Regular Sessionlis.virginia.gov
03
Tax Doc
FY25 Personal Property Tax Increase & Changes in ...charlottecountyva.gov
04
Treasurercharlottecountyva.gov
05
Tax Doc
Taxes/Licensescharlottecountyva.gov
06
LATE PAYMENT PENALTY DUE DATEScharlottecountyva.gov
07
County
charlotte county board of supervisors ordinancecharlottecountyva.gov
08
NEST Commission Annual Report – 2023charlottenc.gov
09
County
Charlotte Countycharlottecountyva.gov
10
Tax Doc
2020 Legislative Summary | Virginia Taxtax.virginia.gov
All sources verified as of 2025 Tax Year

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