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Updated 2025 Tax Year

Lunenburg County
Property Tax Guide

Everything you need to know about property taxes in Lunenburg 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 assessed value for real estate, varies by district for personal property
1st Due
Dec 5
2nd Due
Jan 5
Exemptions
4+ Available
Section 1

How Property Tax Works

Lunenburg County, Virginia operates its own property tax system to fund essential local services including schools, public safety, infrastructure maintenance, and county operations. Property taxes are levied annually based on assessed values determined by the county assessor's office, with the county handling its own billing and collection processes rather than contracting with the state.

The county's property tax system includes multiple components with varying rates depending on property type and location within the county. Real estate is taxed at a significantly lower rate than personal property, reflecting Virginia's traditional approach to property taxation. Actual tax rates may vary by location within Lunenburg County due to special taxing districts or additional assessments for specific services or bond obligations.

Property owners should be aware that various tax credits and exemptions are available but require active application - none are applied automatically. The county assesses properties regularly and maintains detailed tax maps to ensure accurate billing and collection.

Section 2

What Makes Up Your Tax Bill

ComponentRate per $100Description
Real Estate$0.50Base rate for land, buildings, and improvements (FY 2025)
Personal Property$4.35Vehicles, boats, business equipment, and other tangible personal property (FY 2025)
Mobile HomesContact CountyManufactured homes on rented or owned land

These rates apply to the FY 2025 tax year and may vary by specific location within the county due to special taxing districts. The real estate rate generates approximately $4 million annually for the county, while personal property taxes contribute around $3 million. Property owners should verify their specific tax district with the county assessor's office, as additional assessments may apply for school bonds, fire districts, or other special services depending on property location.

Section 3

When Are Property Taxes Due?

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

First Installment
Dec 5
Delinquent after Dec 10
Second Installment
Jan 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 Lunenburg County are triggered when property ownership changes, new construction is completed, or significant improvements are made that increase assessed value mid-year. These taxes cover the difference between what was originally billed and what should have been billed based on the property's new status or value.

When a property changes hands or improvements are completed, the county assessor determines the new assessed value and calculates the supplemental tax based on the remaining months in the current tax year. For example, if a $50,000 addition is completed in January and increases the assessed value, the owner would owe supplemental taxes on that additional value for the remaining months of the fiscal year at the current real estate tax rate of $0.50 per $100 of assessed value.

The supplemental tax bill is issued separately from regular annual tax bills and typically has its own payment deadline. Property owners receive notice of supplemental assessments and have appeal rights similar to regular assessments.

Example Calculation

Example 1: $300,000 Home

  • Assessed Value: $300,000
  • Less: Homestead Credit (if qualified): $0 (example assumes no credits applied)
  • Net Taxable Value: $300,000
  • Annual Tax: $300,000 ÷ 100 × $0.50 = $1,500
  • Monthly (if escrowed): $125

Example 2: $600,000 Home with Senior Credit

  • Assessed Value: $600,000
  • Less: Senior/Disabled Credit (if qualified and applied): Varies by qualification
  • Net Taxable Value: $600,000 (assuming no credits for calculation)
  • Annual Tax: $600,000 ÷ 100 × $0.50 = $3,000
  • Monthly (if escrowed): $250

Example 3: $1,000,000 Home

  • Assessed Value: $1,000,000
  • Less: Available Credits (require application): $0
  • Net Taxable Value: $1,000,000
  • Annual Tax: $1,000,000 ÷ 100 × $0.50 = $5,000
  • Monthly (if escrowed): $417

Note: All tax credits require separate application and qualification. Contact the Commissioner of Revenue for available programs and application procedures.

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Section 5

Escrow & Property Taxes

Most mortgage lenders in Lunenburg County require borrowers to maintain escrow accounts for property tax payments, particularly for loans with less than 20% down payment. Lenders collect monthly payments equal to 1/12 of the annual tax bill and pay the county directly when taxes are due.

Since Lunenburg County handles its own tax billing and collection, lenders work directly with county offices to ensure accurate payment. Property owners should verify that their mortgage company has current contact information for the county tax office and correct parcel numbers to avoid payment delays or misdirected funds.

Escrow accounts are typically analyzed annually, and lenders may adjust monthly payments based on changes in tax assessments or rates. Property owners have the right to request escrow account statements and can pay taxes directly if they meet lender requirements for escrow waiver, though this usually requires significant equity in the property and demonstrated payment history.

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 Lunenburg County? A: Property tax returns must be filed with the Commissioner of Revenue by February 15th each year, and tax payments are due by April 15th for the current fiscal year.

Q: What tax credits are available and how do I apply? A: Lunenburg County offers disabled veteran exemptions for both real estate and personal property, requiring separate applications. High mileage reductions are available for vehicles. All credits require application and are not automatic - contact the Commissioner of Revenue for applications and qualification requirements.

Q: Is there a homestead credit that limits assessment increases? A: Virginia law allows counties to offer homestead exemptions, but specific programs vary by locality. Contact Lunenburg County's assessor's office to determine available programs and application requirements, as these typically require annual or periodic filing.

Q: How often are properties reassessed? A: Contact the county assessor's office for the current assessment schedule and appeal procedures. Property owners receive notice of assessment changes and have specific timeframes to appeal valuations.

Q: What are the penalties for late payment? A: Late payment penalties and interest charges apply to overdue taxes. Contact the county treasurer's office for current penalty rates and payment options for delinquent accounts.

Q: Can I pay property taxes online? A: Check the Lunenburg County website or contact the treasurer's office for available online payment options and accepted payment methods.

Q: Do special districts affect my tax rate? A: Yes, properties in special taxing districts may have additional assessments for services like fire protection, water/sewer, or bond payments. Your tax bill will itemize all applicable charges.

Q: How do I apply for veteran or senior exemptions? A: Applications for disabled veteran exemptions are available from the Commissioner of Revenue. Each exemption type has specific qualification requirements and documentation needs - applications must be submitted even if you previously qualified in other counties.

Verified Sources

Backed by 10 Official Government Sources

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

01
County
LUNENBURG COUNTY, VIRGINIAlunenburgva.gov
02
County
LUNENBURG COUNTY BOARD OF SUPERVISORS 160 ...lunenburgva.gov
03
County
LUNENBURG COUNTY, VIRGINIAlunenburgva.gov
04
County
Business Property Filing with Lunenburg County, Virginialunenburgva.gov
05
Tax Doc
Where to File | Virginia Taxtax.virginia.gov
06
Tax Doc
2025 FORM 760ES - Virginia Taxtax.virginia.gov
07
APPLICATIONlunenburgva.gov
08
Online Forms & Documentslunenburgva.gov
09
Tax Doc
virginia department of taxation annual report fiscal year 1999tax.virginia.gov
10
County
Lunenburg County http://www.lunenburgva.net Parcel IDlunenburgva.gov
All sources verified as of 2025 Tax Year

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