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Updated 2025 Tax Year

Fluvanna County
Property Tax Guide

Everything you need to know about property taxes in Fluvanna 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
0.844% ($0.844 per $100 assessed value) for 2024, may vary by special districts
Exemptions
4+ Available
Section 1

How Property Tax Works

Fluvanna County, Virginia operates on an annual 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 Fluvanna County are calculated based on the assessed value of real estate as determined by the county assessor's office, with assessments conducted periodically to reflect current market conditions.

The effective tax rate for real estate in Fluvanna County was 0.844% (or $0.844 per $100 of assessed value) for tax year 2024, though the 2025 rate has not yet been determined by the Board of Supervisors. Property owners should note that actual tax rates may vary slightly by location within the county due to special taxing districts or service areas that may impose additional levies for specific services such as fire protection, water and sewer, or other municipal services.

Property tax bills are typically issued twice annually, with payments due on April 15th and October 15th. The county offers various tax credits for qualifying property owners, though these require separate applications and are not automatically applied to tax bills.

Section 2

What Makes Up Your Tax Bill

ComponentRate per $100DescriptionLevy Year
Base County Levy$0.844General county services, schools, administrationFY 2024
Special DistrictsVariesFire protection, water/sewer districts (where applicable)FY 2024
Total Effective Rate$0.844+Combined rate varies by property locationFY 2024

Note: The FY 2025 tax rates have not yet been adopted by the Fluvanna County Board of Supervisors. Special taxing districts within the county may impose additional assessments that vary by geographic location. Property owners should verify their specific tax district with the county assessor's office, as rates can differ based on the services provided in each area.

Section 3

When Are Property Taxes Due?

For the 2025/2026 tax year in Fluvanna 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 Fluvanna County are additional property tax assessments that occur when there are changes in property ownership, value, or use outside of the regular assessment cycle. The most common triggers for supplemental taxes include the sale or transfer of property to a new owner, completion of new construction or major improvements, and changes in property classification or use.

When a supplemental tax is issued, it represents the difference between the previously assessed tax liability and the new tax liability based on current assessed value, prorated for the remaining portion of the tax year. For example, if a property is sold in January and the new assessment results in higher taxes, the new owner would receive a supplemental bill covering the increased tax amount for the remainder of that fiscal year (typically February through June).

The supplemental tax calculation takes the new assessed value, applies the current tax rate, subtracts any previously paid taxes for that period, and bills the property owner for the difference. These supplemental bills maintain separate due dates from regular property tax installments and must be paid according to the timeline specified on the supplemental tax notice.

Example Calculation

Example 1: $300,000 Home

  • Assessed Value: $300,000
  • Less: Homestead Credit (if qualified): $0 reduction in tax (credit caps assessment increases only)
  • Net Taxable Value: $300,000
  • Annual Tax: $300,000 × 0.844% = $2,532
  • Monthly Equivalent: $211

Example 2: $600,000 Home

  • Assessed Value: $600,000
  • Less: Senior Citizen Credit (if qualified): Reduces tax by up to $500 annually
  • Net Taxable Value: $600,000
  • Annual Tax Before Credits: $600,000 × 0.844% = $5,064
  • Annual Tax After Credits: $4,564 (with senior credit applied)
  • Monthly Equivalent: $380

Example 3: $1,000,000 Home

  • Assessed Value: $1,000,000
  • Less: Veterans Credit (if qualified): Reduces tax by eligible amount
  • Net Taxable Value: $1,000,000
  • Annual Tax: $1,000,000 × 0.844% = $8,440
  • Monthly Equivalent: $703

Note: All tax credits require separate applications and approval. Credits are not automatically applied and must be renewed as required by county ordinance.

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Section 5

Escrow & Property Taxes

Most mortgage lenders in Fluvanna County require property tax escrow accounts for borrowers, particularly those with less than 20% down payment or specific loan types. Under an escrow arrangement, the lender collects monthly property tax payments along with principal, interest, and insurance, then pays the county directly when taxes are due on April 15th and October 15th.

Lenders typically conduct annual escrow analyses to ensure adequate funds are collected, which may result in escrow payment adjustments if property taxes increase or decrease significantly. Property owners with escrow accounts should verify that their lender has received and processed tax bills correctly, as the property owner remains ultimately responsible for ensuring taxes are paid timely even when using escrow services.

For properties without escrow accounts, owners must pay taxes directly to Fluvanna County by the due dates. The county offers online payment options, mail-in payments, and in-person payment at the county offices. Property owners should maintain records of all tax payments and verify receipt with the county to avoid potential issues with delinquent tax notices.

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 Fluvanna County? A: Property taxes are typically due in two installments: April 15th and October 15th for the current fiscal year. Late payments are subject to penalties and interest charges.

Q: What tax credits are available and how do I apply? A: Fluvanna County offers several tax credits including homestead credits for primary residences, senior citizen credits, veterans credits, and disability credits. All credits require separate applications submitted to the county assessor's office with required documentation and are not automatically applied.

Q: How does the homestead credit work? A: The homestead credit limits annual assessment increases on your primary residence, typically capping increases at a certain percentage. This credit does not reduce your property's assessed value but prevents large year-over-year tax increases. Applications must be filed with the assessor's office.

Q: When does the county conduct property assessments? A: Fluvanna County conducts periodic countywide reassessments, typically every 4-6 years, though the specific schedule may vary. Property owners receive notice of new assessments and have the right to appeal within specified timeframes.

Q: What are the penalties for late property tax payments? A: Late payments incur penalties and interest charges as established by Virginia state law and county ordinance. Continued delinquency can result in tax liens and potential tax sale proceedings.

Q: Can I pay property taxes online? A: Yes, Fluvanna County typically offers online payment options through their official website. Property owners can also pay by mail or in person at county offices during business hours.

Q: How do special taxing districts affect my tax bill? A: Properties located in special service districts (such as fire protection or water/sewer districts) may have additional tax assessments beyond the base county rate. Your specific rate depends on your property's location and the services provided in that area.

Q: What should I do if I disagree with my property assessment? A: Property owners who believe their assessment is incorrect can file an appeal with the county's Board of Equalization during the specified appeal period, typically following the issuance of new assessments. Appeals must be filed within the deadline and include supporting documentation.

Verified Sources

Backed by 10 Official Government Sources

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

01
County
Tax Rates for County, City, Town, and Districts. TY 2024tax.virginia.gov
02
County
Tax Rates for County, City, Town, and Districts. TY 2023tax.virginia.gov
03
Tax Doc
2025 FORM 760ES - Virginia Taxtax.virginia.gov
04
Tax Doc
Where to File | Virginia Taxtax.virginia.gov
05
Tax Doc
Form ST-7, Virginia Business Consumer's Use Tax Returntax.virginia.gov
06
Tax Doc
Article 1. Tangible Personal Property Taxlaw.lis.virginia.gov
07
Code of Virginialaw.lis.virginia.gov
08
Tax Doc
Code of Virginia Code - Chapter 36. Tax Exempt Propertylaw.lis.virginia.gov
09
COMMONWEALTH of VIRGINIAcampbellcountyva.gov
10
Virginia Land Record Cover Sheet©eapps.courts.state.va.us
All sources verified as of 2025 Tax Year

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