2025 Missouri Senior Tax Freeze: How St. Charles County Seniors Can Lock In Their Property Taxes

If you’re 62 or older and own a home in St. Charles County, this is for you: you may be eligible to freeze your county property taxes starting in 2025. That means your county taxes won’t go up again—no matter how much your home value increases. This program helps seniors age in place with peace of mind and long-term savings. Let’s break down who qualifies, how to apply, and what to double-check when your next assessment arrives. 

WHAT IS THE SENIOR PROPERTY TAX FREEZE?

This program allows eligible senior homeowners to lock in their current county real estate tax rate. That means no future increases in county property taxes—even as your home’s assessed value climbs. It’s a powerful benefit designed to make homeownership more affordable for retirees. 

📌 This freeze only applies to the county portion of your real estate taxes—not school, fire, or municipal taxes. 

WHO'S ELEGIBLE TO APPLY?

To qualify in St. Charles County, you must: 

• Be 62 or older as of January 1, 2025 
• Own and live in the home as your primary residence 
• Be responsible for paying the property taxes 

✅ Pro Tip: If you co-own the home with someone younger, only one of you needs to meet the age requirement. 

APPLICATION TIMELINE: MARK YOUR CALENDAR

🗓️ You can apply between March 1 and June 30, 2025. 

• If you applied last year: You’ll need to renew using a paper form that was mailed with your 2024 tax bill. 
• Renewal forms must be notarized and returned by June 30 to remain eligible. 

REVIEW YOUR ASSESSMENT NOTICE

Even with frozen taxes, your property assessment still matters. When your 2025 notice arrives, look it over carefully: 

• Check your home’s assessed value
• Ensure all personal info is correct 
• Dispute any inaccuracies promptly with the St. Charles County Assessor’s Office 

NEED HELP? YOU'RE NOT ALONE.

This program is an incredible way to protect your housing costs and stay in the community you love. If you or a loved one has questions about the process, I’m right here in Dardenne Prairie and would be happy to walk you through it—no strings attached. 

WATCH THIS VIDEO TO LEARN MORE

“It’s not just a house, it’s your home. Let’s protect it together.” 

Want help navigating the Senior Tax Freeze process—or just double-checking your property details?

Let’s talk! 
📲 Call/Text: 314-307-3968 
💌 Email: julie@homeswithjulie.com 
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