Rate Breakdown

Property taxes in Navarro County are calculated by multiplying the assessed value (minus exemptions) by the total local millage rate.

How Property Tax Works in Navarro County

Property taxes in Navarro County are based on the appraised value of your property, determined annually by the Navarro County Appraisal District (NCAD). The process involves:

• Assessment: NCAD evaluates your property's market value as of January 1 each year. You receive a notice of appraised value by April or May.
• Tax Rates: Local taxing entities (e.g., county, school districts, cities) set millage rates (tax rates per $100 of value). The total tax due is calculated by multiplying the assessed value (after exemptions) by the combined rates.
• Billing: Tax bills are mailed in October, with payments due by January 31 of the following year.

Available Exemptions

Texas offers several property tax exemptions to reduce taxable value. Navarro County residents may qualify for:

• Homestead Exemption: Primary residences receive a $40,000 reduction in school district taxes and a $3,000 county tax reduction. File with NCAD by April 30.
• Senior Exemption (65+): Additional $10,000 school tax reduction, with potential tax freezes. Seniors may also defer payments.
• Disability Exemption: Similar benefits as the senior exemption for qualifying disabled homeowners.
• Veteran Exemptions: Disabled veterans may qualify for partial or full exemptions based on disability rating. Surviving spouses of veterans killed in action may also qualify.

Payment Schedule & Deadlines

Navarro County property taxes are due in full by January 31 of the year following assessment. Key details:

• Installment Plans: Homeowners may pay in four installments (Jan. 31, March 31, May 31, and July 31) without penalty if the first payment is made by January 31.
• Late Payments: Delinquent taxes incur a 6% penalty and interest (1% per month) starting February 1. After July 1, additional fees and legal action may apply.
• Payment Methods: Pay online, by mail, or in person at the Navarro County Tax Office. Online payments may include processing fees.

Appealing Your Assessment

If you believe your property is overvalued, you can appeal to NCAD:

• Deadline: File a protest by May 15 or within 30 days of receiving your appraisal notice (whichever is later).
• Process: Submit evidence (e.g., comparable sales, repair estimates) to support your claim. Informal reviews with an appraiser are encouraged first.
• Formal Hearing: If unresolved, present your case to the Navarro County Appraisal Review Board (ARB). Their decision can be further appealed to district court if necessary.

For assistance, contact NCAD at (903) 654-3046 or visit their office in Corsicana.