McCulloch County Property Search, Values and Tax Payments
Search 2026 McCulloch County appraisal records by owner, address, property ID, Geo ID, legal description, subdivision, mineral lease or acreage. Then review market value, land, improvements, exemptions, taxing units and taxes due.
This guide also explains the district’s combined appraisal-and-collection role, online tax-payment steps, protest registration and PIN access, agricultural valuation, mineral accounts, 2025 adopted rates, deed searches and the correct local office for each task.
Start With the Correct McCulloch County Service
Appraisal records, property-tax payments, exemptions, protests, deeds and vehicle registration involve different screens or offices. Choose your goal before entering personal or payment information.
Find a property account
Search by owner, address, property ID, Geo ID, legal description, subdivision, abstract or lease information.
Open official property search →Locate the parcel
Use the district’s interactive map after confirming the property ID in the appraisal database.
Pay property taxes
Do not register. Search the property, select the correct account and click its Tax Summary button.
Find account and pay →File an appraisal protest
Register with an email address, obtain the account PIN when needed and submit before the applicable deadline.
Open online protest →Apply for an exemption
Download the current homestead, agricultural, rendition or electronic-delivery form.
View official forms →Find a deed or lien
Use the McCulloch County Clerk for recorded deeds, releases, liens, plats and other real-property instruments.
Open County Clerk page →How to Search McCulloch County CAD Property Records
The search supports keyword, owner, property and advanced criteria. Current results can include Parcel ID, account number, owner ID, property type, owner, situs address, legal description, abstract, subdivision, lease details, acreage, market value and base tax due.
Owner-search tips
- Enter the surname first.
- Remove commas and punctuation.
- Search estates, trusts and businesses separately.
- Try a former owner after a recent deed transfer.
- Check real, mineral and personal-property categories.
Rural-property tips
- Use the property or Geo ID when available.
- Search abstract and subdivision fields.
- Use lease name or lease number for minerals.
- Leave the Tax Due filter off for appraisal research.
- Open the map only after identifying the correct account.
How to Use the McCulloch CAD Interactive Map
The map can help identify rural tracts, nearby accounts, roads, subdivisions and parcel placement. It works best when you already know the property ID or Geo ID from the search record.
What a McCulloch County Property Record Means
| Record field | What it means | What to verify |
|---|---|---|
| Parcel ID | The primary district identifier displayed in search results. | Use it when calling, paying, requesting a correction or filing a protest. |
| Account number | An additional account reference used in appraisal and tax administration. | Match it to notices, tax statements and payment confirmations. |
| Geo ID | A geographic identifier associated with the parcel. | Use it to confirm the account selected in the map. |
| Owner ID | A database identifier associated with the listed owner. | Useful when an owner has multiple parcels, minerals or business accounts. |
| Property type | Identifies real, mineral, personal or another appraisal category. | Do not assume a surface-property result includes mineral or business assets. |
| Owner name | The ownership name carried in the appraisal database. | Compare it with the latest recorded deed or ownership instrument. |
| Mailing address | The address used for appraisal and collection correspondence. | Update it if notices or statements are going to a former location. |
| Property address | The physical or situs location associated with the account. | Vacant, ranch and mineral accounts may not have a conventional street address. |
| Legal description | A condensed appraisal description of the lot, tract, survey or abstract. | Do not substitute it for the complete legal description in a recorded deed. |
| Abstract or subdivision | Land-record references used to group or locate a tract. | Compare them with the deed, plat and map. |
| Acreage | The acreage carried for appraisal purposes. | Investigate differences between CAD, deed and survey acreage. |
| Market value | The district’s estimate of value as of the applicable January 1. | Check land, improvements, class, condition and appraisal year. |
| Appraised value | The value after applicable appraisal limits or special valuation. | It can differ from market value for a qualified homestead or agricultural tract. |
| Taxable value | The value taxable by an individual taxing unit after exemptions. | Different entities can show different taxable values. |
| Base tax due | A tax amount displayed in search results before all account-specific details are reviewed. | Open Tax Summary to verify the year, current payoff, penalty and interest. |
| Improvements | Buildings, structures, fixtures or fences associated with the property. | Check count, size, age, quality, condition and whether removed structures remain listed. |
Three-part account audit
Name and mailing data
Compare the listed owner and mailing address with the latest recorded deed and current contact information.
Land and improvements
Check acreage, buildings, class, condition, agricultural use and whether structures were added or removed.
Exemptions and entities
Confirm homestead codes, taxable values, city, school, hospital and groundwater-district assignments.
Real Estate, Minerals and Business Property
McCulloch CAD uses different appraisal resources for different property categories. Identifying the account type can help you direct valuation questions and assemble better evidence.
Residential and real estate
McCulloch CAD states that real-estate accounts are appraised by West Valuation and Consulting, LLC. Residential values use property characteristics, replacement cost, depreciation, neighborhood data and sales analysis.
- Check living area and segments.
- Review construction class.
- Verify age and condition.
- Compare appropriate neighborhood sales.
Mineral, utility and industrial
Mineral, utility and industrial accounts are appraised for the district by Pritchard & Abbott, Inc. These can appear separately from the surface-property account.
- Filter the search by property type.
- Try lease name and lease number.
- Match the owner and account number.
- Read the notice’s contact instructions.
Business personal property
Personal property is appraised locally by the district. Taxable inventory, furniture, machinery, fixtures and equipment may require a rendition.
- Inventory assets as of January 1.
- Use the current rendition form.
- Retain acquisition and depreciation records.
- Request an extension in writing when needed.
Agricultural land
Qualified land may be appraised using agricultural productivity rather than full market value. Rural location or acreage alone does not establish qualification.
- Document qualifying-use history.
- Identify crops, livestock or wildlife activity.
- Keep lease and operator records.
- Report ownership or use changes.
2026 public data
The district currently posts 2026 certified real and personal appraisal rolls in geographic PDF, alphabetical PDF and Excel formats.
Open data and records →2026 depreciation schedule
Business owners can review the district’s current Business Personal Property depreciation schedule before examining a rendition or valuation issue.
View current schedules →McCulloch CAD vs Tax Assessor vs County Clerk
| Your question | Correct office | Reason |
|---|---|---|
| What is my appraised value? | McCulloch County Appraisal District | The CAD determines market and appraised values. |
| Why is my acreage or building size wrong? | McCulloch County Appraisal District | The CAD maintains appraisal characteristics and classifications. |
| Was my homestead or agricultural application approved? | McCulloch County Appraisal District | The chief appraiser administers exemptions and special valuations. |
| How do I protest a value or exemption decision? | McCulloch CAD / Appraisal Review Board | File through the district’s protest system or another accepted method. |
| How much property tax do I owe? | McCulloch CAD collection system | The district collects participating property taxes. |
| Where do I pay property taxes online? | McCulloch CAD property search | Search the account and open Tax Summary; do not register merely to pay. |
| Who handles vehicle registration and titles? | County Tax Assessor-Collector | The county office handles vehicle-title and registration work. |
| Where can I verify a deed or lien? | McCulloch County Clerk | The Clerk maintains recorded real-property instruments. |
| Can a CAD map establish my boundary? | No | Use recorded instruments, plats and a qualified surveyor. |
How to Pay McCulloch County Property Taxes Online
The district specifically instructs taxpayers not to create an account just to pay. Start from the public property search, open the correct account and use the Tax Summary option.
McCulloch County 2025 Property-Tax Rates Explained
McCulloch CAD’s latest posted adopted-rate document is labeled 2025 Tax Rates. These figures should not be described as final 2026 rates. Proposed and adopted 2026 information is updated through the Truth-in-Taxation process.
| Taxing unit | 2025 components | 2025 total rate per $100 |
|---|---|---|
| McCulloch County | M&O 0.495242 I&S 0.075963 Special 0.038985 |
0.610190 |
| City of Brady | City 0.317476 Cemetery 0.020000 |
0.337476 |
| City of Melvin | 0.370399 | 0.370399 |
| Brady ISD | M&O 0.682200 I&S 0.273500 |
0.955700 |
| Lohn ISD | M&O 0.672300 I&S 0.043000 |
0.715300 |
| Rochelle ISD | M&O 0.648900 I&S 0.194033 |
0.842933 |
| Mason ISD | M&O 0.749400 I&S 0.000000 |
0.749400 |
| Heart of Texas Memorial Hospital District | 0.078600 | 0.078600 |
| Hickory UWCD #1 | 0.029136 | 0.029136 |
Basic tax-estimate formula
Entity tax = entity taxable value ÷ 100 × entity rate.
Repeat the calculation for every applicable taxing unit and add the results.
Use taxable—not automatically market—value
Homestead, age-65, disability, veteran and other exemptions can cause each taxing unit to use a different taxable value.
McCulloch County Homestead, Agricultural and Rendition Forms
Use a current form from McCulloch CAD or the Texas Comptroller. The district instructs owners to mail completed forms to 306 W. Lockhart Street, Brady, TX 76825-4113 unless another approved method is provided.
| Owner’s goal | Official form or route | Prepare before filing |
|---|---|---|
| Residence homestead | Form 50-114 | Property ID, ownership interest, acquisition date, occupancy date and required identification. |
| Open-space agricultural appraisal | Form 50-129 | Acreage, qualifying-use history, livestock or crop activity, lease and operator information. |
| Business personal-property rendition | Form 50-144 | Inventory, furniture, machinery, equipment and other taxable property owned or managed January 1. |
| Real-estate rendition | District rendition form | Property identification, ownership details and information requested by the local form. |
| Property-owner protest | Form 50-132 | Property ID, protest grounds, requested correction and organized supporting evidence. |
| Electronic communication | District electronic-delivery form | Email address, property details and a retained copy of the completed request. |
| Online protest account PIN | Request a PIN | An email account, registered district account and requested ownership or property information. |
Homestead application check
- You own an interest in the property.
- You occupy it as your principal residence.
- The form identifies the correct account.
- The application name matches or explains the deed ownership.
- You attach the required identification.
- You keep a copy and delivery proof.
Agricultural application check
- Document the actual agricultural use.
- Provide qualifying-use history.
- Identify crops, livestock or wildlife activity.
- List operators and leases.
- Explain the acreage devoted to each use.
- Report a later change of use.
McCulloch County Property-Tax Dates to Watch
How to Protest a McCulloch County Appraisal
The online protest system requires sign-in or registration. A property can also have a unique Online Account PIN, which should be requested early rather than immediately before the filing deadline.
Evidence that can help
- Recent open-market sales near January 1.
- Comparable CAD records supporting unequal appraisal.
- Dated photographs showing damage or condition.
- Inspection reports and contractor estimates.
- A recent settlement statement from an open-market purchase.
- Evidence of incorrect acreage or improvement data.
Arguments needing more support
- “My property taxes are too high” without an appraisal issue.
- A mortgage balance or personal financial hardship.
- An undated automated online estimate.
- A foreclosure or family sale treated as a normal market sale.
- A parcel-map screenshot used as boundary proof.
- Repairs completed after January 1 without earlier evidence.
How to Search McCulloch County Deeds and Liens
The CAD owner field supports appraisal administration but is not conclusive proof of title. Use McCulloch County Clerk records for deeds, liens, releases, plats and other recorded instruments.
Friday: 8:00 a.m.–3:00 p.m.
What to Check Before and After a Property Transfer
Before buying
- Match the CAD parcel with the deed description.
- Check land, buildings and acreage.
- Search separate mineral accounts.
- Review current and delinquent taxes.
- Do not assume the seller’s exemptions transfer.
After closing
- Confirm the deed was recorded.
- Watch for the CAD ownership update.
- Update the mailing address.
- File a new homestead application when eligible.
- Keep notices addressed to the previous owner.
Before selling
- Resolve obvious appraisal-record errors.
- Identify every property and mineral account.
- Keep current tax-payment receipts.
- Review agricultural change-of-use concerns.
- Use title professionals for liens and ownership.
Common McCulloch CAD Problems and Fixes
| Problem | Possible reason | Best next action |
|---|---|---|
| No owner-name result | The portal expects surname first or uses a trust, estate, business, spouse or former owner. | Enter one surname, remove punctuation and search each property type separately. |
| No rural-address result | The account may use a Geo ID, abstract, subdivision, lease or legal description. | Use Property or Advanced Search, then open the map. |
| Mineral account is missing | The results are filtered to real property or the mineral account uses a lease name. | Select mineral property and search by owner, property ID, lease number or lease name. |
| New owner is not displayed | The deed may have been recently recorded and not yet processed by CAD. | Verify the deed with the County Clerk and provide the instrument information to CAD if needed. |
| Homestead exemption is missing | The application may be pending, incomplete, denied or connected to another account. | Contact CAD with the property ID, filing date and delivery evidence. |
| Online protest login fails | Unregistered email, password, CAPTCHA or PIN issue. | Use password recovery or request the PIN immediately without waiting for the deadline. |
| Tax Summary shows the wrong account | The wrong result, property type or year was selected. | Stop before payment and compare the Parcel ID, owner and legal description. |
| Payment has not posted | The district states processing can take three to five days. | Keep the confirmation and call CAD before attempting another payment. |
| Improvement appears unfamiliar | The term can include an older building, fixture, fence or movable structure. | Review the improvement details and ask CAD to explain the listed segment. |
| Parcel line appears wrong | Mapping approximation, parcel split, deed discrepancy or survey issue. | Compare the deed, plat and survey; do not rely on the CAD map as a boundary determination. |
McCulloch CAD, Tax Office and County Clerk Contacts
McCulloch County Appraisal District
306 W. Lockhart StreetBrady, TX 76825-4113
Chief Appraiser: Zane Brandenberger
Chief Deputy: Kaleigh Alexander
Phone: (325) 597-1627
Fax: (325) 597-2408
Email: info@mccullochcad.org
Handles: appraisal values, exemptions, agricultural valuation, protests, property characteristics and participating property-tax collection.
Official McCulloch CADTax Assessor-Collector
302 W. Commerce StreetBrady, TX 76825
Tax Assessor-Collector: Silvia Campos
Phone: (325) 597-7607
Fax: (325) 597-8306
Email: scampos@co.mcculloch.tx.us
Hours:
Monday–Thursday: 8:00 a.m.–4:50 p.m.
Friday: 8:00 a.m.–3:00 p.m.
No title work after 4:30 p.m.
McCulloch County Clerk
101 N. High StreetBrady, TX 76825
County Clerk: Christine Jones
Phone: (325) 597-2400, ext. 2
Fax: (325) 597-1731
Email: mccoclerk1@bradytx.net
Hours:
Monday–Thursday: 8:00 a.m.–4:45 p.m.
Friday: 8:00 a.m.–3:00 p.m.
McCulloch County Property Checklist
For a normal property lookup
- Select the correct tax year.
- Search owner, property ID or address.
- Check real, mineral and personal-property accounts.
- Verify Parcel ID, Geo ID and legal description.
- Review acreage, land and improvements.
- Confirm exemptions and taxing units.
- Save a dated copy of the account.
For a payment, form or protest
- Identify the exact account and tax year.
- Read the official deadline.
- Do not register merely to pay taxes.
- Request the protest PIN early.
- Use a current form or official portal.
- Save submission or payment confirmation.
- Verify the final account after processing.
McCulloch County CAD Frequently Asked Questions
1. Is the McCulloch County property search free?
2. What is the fastest way to find a McCulloch County property?
3. Does the county Tax Assessor-Collector collect property taxes?
4. Do I need to create an account to pay property taxes online?
5. How long does an online property-tax payment take to post?
6. Can I search McCulloch County mineral property online?
7. What is the usual appraisal protest deadline?
8. Do I need an account or PIN to protest online?
9. Can the McCulloch CAD map be used as a legal survey?
10. Where can I verify a McCulloch County deed or lien?
Estimate Taxes, Exemptions, Escrow, Protest Savings and Next Steps
This sitewide tool helps homeowners, buyers, sellers and investors understand property tax numbers before they check the official county appraisal district or tax office. It runs in your browser, does not collect personal data and gives practical next steps after each calculation.
What are you trying to do today?
Choose your main goal. The tool will guide you to the right calculation or next step.
Use Tax, Exemption and Protest tabs to understand your appraisal notice and possible savings.
Use Buyer Budget and Monthly Escrow before relying only on a mortgage payment estimate.
Property Tax Estimate Calculator
Estimate annual tax using property value, assessment ratio, exemptions and local tax rate.
Homestead and Exemption Savings
Estimate how much a homestead, senior, disabled, veteran or local exemption may reduce annual tax.
Monthly Escrow / Ownership Cost
Estimate monthly property tax, insurance, HOA and reserve cushion. Useful for buyers and homeowners comparing affordability.
Property Tax Protest Savings
Estimate possible savings if your appraised value is reduced after a protest, evidence review or correction.
Appraised Value Growth / Cap Impact
Estimate how a value increase or appraisal cap may affect taxable value. Rules vary by state, county and exemption status.
Home Buyer Monthly Budget Estimate
Estimate a more realistic monthly ownership cost by adding mortgage, property tax, insurance and HOA.
Find Official County CAD and Tax Resources
Enter county and state to create safe search links. This avoids guessing official URLs and helps users find the correct county appraisal district, property search, tax payment and exemption pages.
Why this tool helps your site
It gives visitors an interactive reason to stay on the page, calculate their own numbers and move from general reading to practical action.
Best placement
- Below county CAD articles
- Before FAQ section on long posts
- Inside sidebar or after first major section on desktop
Estimate disclaimer
Values are educational estimates. Visitors should confirm final values, exemptions, tax rates, payment status and deadlines with official county resources.