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Updated 2025 Tax Year

Cumberland County
Property Tax Guide

Everything you need to know about property taxes in Cumberland 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
$0.57 per $100 of assessed value (base county rate, varies by special taxing districts)
1st Due
Dec 5
Exemptions
4+ Available
Section 1

How Property Tax Works

Cumberland County, Virginia operates on a property tax system that serves as the primary funding source for essential county services, including public schools, emergency services, road maintenance, and general government operations. Property taxes in Cumberland County are assessed annually based on the fair market value of real estate as of January 1st each year, with the county conducting periodic reassessments to ensure valuations reflect current market conditions.

The effective property tax rate in Cumberland County varies depending on your specific location within the county due to different special taxing districts and assessment areas. Property owners should expect their actual tax burden to reflect both the base county rate and any applicable special district assessments. The county follows Virginia state law requiring property tax payments to be made semi-annually, and most homeowners manage these payments through mortgage escrow accounts with their lenders.

Section 2

What Makes Up Your Tax Bill

ComponentRate per $100Description
Real Estate Tax (FY 2025)$0.60Base county rate for all real property
Personal Property Tax (FY 2025)$4.50Applies to vehicles, boats, and other personal property

Note: These rates apply to the 2025 tax year (fiscal year 2024-2025). Actual tax bills may include additional assessments for special taxing districts, school bonds, or other local improvements depending on your property's specific location within Cumberland County. Contact the Cumberland County Commissioner of Revenue at (804) 492-4442 for district-specific rate information.

Section 3

When Are Property Taxes Due?

For the 2025/2026 tax year in Cumberland 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 Cumberland County are triggered by changes in property ownership, new construction, or significant improvements that alter the assessed value of a property after the January 1st assessment date. When these events occur, the county assessor calculates a prorated tax bill based on the change in assessed value and the remaining months in the tax year.

For example, if you purchase a home in Cumberland County in August that was previously assessed at $250,000 but sells for $350,000, the assessor may issue a supplemental tax bill reflecting the $100,000 increase in assessed value. This supplemental tax would be calculated at $0.60 per $100 of the additional assessed value ($600), prorated for the remaining months of the tax year (approximately $300 for 6 months).

Example Calculation

Example 1: $300,000 Home

  • Assessed Value: $300,000
  • Tax Credits Applied: $0 (assuming no applications filed)
  • Net Taxable Value: $300,000
  • Annual Tax: $300,000 ÷ 100 × $0.60 = $1,800
  • Monthly Escrow: $150

Example 2: $600,000 Home with Veteran Credit

  • Assessed Value: $600,000
  • Tax Credits Applied: -$150 (veteran credit, requires application)
  • Net Taxable Value: $600,000
  • Annual Tax: ($600,000 ÷ 100 × $0.60) - $150 = $3,450
  • Monthly Escrow: $287.50

Example 3: $1,000,000 Home

  • Assessed Value: $1,000,000
  • Tax Credits Applied: $0 (assuming no applications filed)
  • Net Taxable Value: $1,000,000
  • Annual Tax: $1,000,000 ÷ 100 × $0.60 = $6,000
  • Monthly Escrow: $500

Note: All tax credits require separate applications and are not automatically applied. Contact the Commissioner of Revenue for available credits and application requirements.

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Section 5

Escrow & Property Taxes

Most Cumberland County property owners with mortgages have their property taxes collected monthly through escrow accounts managed by their lenders. Mortgage companies typically collect 1/12th of your estimated annual property tax bill each month, holding these funds in an escrow account until the June 15th and November 15th payment due dates. Lenders are required to pay your property taxes on time and will provide you with annual escrow statements showing collections and disbursements.

If your property taxes increase due to reassessment or rate changes, your mortgage company will adjust your monthly escrow payment accordingly, usually with 60 days written notice. Property owners should verify that their mortgage company has paid taxes on time by checking with Cumberland County's Treasurer's office, as you remain ultimately responsible for tax payments even when using escrow services. You can verify payment status online or by calling (804) 492-4442.

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 Cumberland County property taxes due for FY 2025? A: Real estate taxes are due twice yearly on June 15th and November 15th. Personal property taxes are due annually on November 15th. Payments postmarked on the due date are considered timely.

Q: What tax credits are available and do they require applications? A: Cumberland County offers various tax credits including veteran credits and elderly/disabled credits. All credits require separate applications and are NOT automatically applied. Contact the Commissioner of Revenue at (804) 492-4442 for specific credit applications and deadlines.

Q: Is there a homestead credit that caps my assessment increases? A: Virginia offers certain assessment limitation programs for qualifying elderly and disabled property owners. These programs cap annual assessment increases but require filing applications by specific deadlines. Contact the local assessor's office for current program availability and requirements.

Q: How often does Cumberland County reassess properties? A: Cumberland County assesses all properties annually as of January 1st. Property owners who disagree with their assessment can appeal through the Board of Equalization during the appeal period, typically in March-April.

Q: What are the penalties for late property tax payments? A: A 10% late payment penalty is added the day following the due date, with additional interest charges accruing on unpaid balances. Penalties apply separately to each installment.

Q: Can I pay my property taxes online? A: Contact the Cumberland County Treasurer's office at (804) 492-4442 or visit the county website for current online payment options and accepted payment methods.

Q: Do special district taxes apply to my property? A: Some properties in Cumberland County may be subject to additional special district assessments. Check with the Commissioner of Revenue to determine if your property is located within any special taxing districts.

Q: What triggers a supplemental tax bill? A: Supplemental taxes are issued for new construction, property transfers, or significant improvements completed after January 1st that increase the property's assessed value during the current tax year.

Verified Sources

Backed by 10 Official Government Sources

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

01
County
COUNTY OF CUMBERLAND, VIRGINIAcumberlandcounty.virginia.gov
02
County
CUMBERLAND COUNTY BOARD OF SUPERVISORScumberlandcounty.virginia.gov
03
Tax Doc
Cumberland Tax Ratescumberlandcounty.virginia.gov
04
County
Real Estate Taxes | Cumberland County, VAcumberlandcounty.virginia.gov
05
County
Treasurer | Cumberland County, VAcumberlandcounty.virginia.gov
06
County
Key Dates | Cumberland County, VAcumberlandcounty.virginia.gov
07
State
Disabled Veteran Real Estate Exemptioncumberlandcounty.virginia.gov
08
County
Real Estate Taxes | Cumberland County, VAcumberlandcounty.virginia.gov
09
Tax Doc
Property Tax Exemptionscumberlandcountyme.gov
10
Financial Report Year Ended June 30, 2018cumberlandcounty.virginia.gov
All sources verified as of 2025 Tax Year

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