Garden Valley, El Dorado County, California Property Taxes

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Property Taxes in Garden Valley, California

Median Garden Valley, California effective property tax rate: 1.10%, significantly lower than the national median of 1.02%, and lower than the California state median of 1.21%.
Median Garden Valley, California home value: $291,733
Median annual Garden Valley, California tax bill: $3,196, higher by $796 than the national median property tax bill of $2,400.

How are property taxes in El Dorado calculated?

Property taxes in Garden Valley, California are calculated based on the tax assessed value, which is often lower than the actual market value due to property tax exemptions such as the homestead or senior exemption.

Understanding Garden Valley's property tax system, exemptions, and reduction opportunities can lead to significant savings. Regardless of where you live in Garden Valley, knowing local tax details benefits homeowners and investors.

Last Updated April 13, 2026

Garden Valley, El Dorado County, California Property Tax Bill Calculator

Property Assessed Value

$100,000

$1,500,000

$3,000,000

Median Effective Tax Rate

1.1%

Estimate Property Tax Bill

$3,209

$2,978

How Does the Garden Valley Property Tax Calculator Work?

Use this Garden Valley property tax calculator to estimate your annual property tax bill. Enter your property’s assessed value and our calculator applies Garden Valley’s median effective tax rate of 1.10% — based on actual property records in El Dorado County — to generate your estimate.

Enter your property’s estimated assessed value — the figure the local assessment process uses to calculate your bill, which reflects any exemptions you hold and is typically lower than your home’s market value. Our calculator applies Garden Valley’s median effective rate across all local levies, providing a more accurate estimate than applying a single county millage rate.

Your bill may vary by ZIP code within Garden Valley: rates range from 1.10% in 95633 to 1.10% in 95633, primarily due to differences in school district levies and local assessment districts.

For a more precise estimate, scroll down to explore ZIP code-level tax rate trends across Garden Valley.

About Garden Valley Property Taxes

About Property Taxes in Garden Valley, El Dorado, California

Garden Valley's median effective property tax rate of 1.10% is lower than the California state median of 1.21% and higher than the national median of 1.02%. This rate reflects the El Dorado County base levy combined with local school district levies and Mello-Roos Community Facility Districts that vary by subdivision throughout the city.

Property tax rates are not uniform across Garden Valley. Homeowners in the 95633 ZIP code carry a median effective rate of 1.10%, while those in 95633 pay 1.10%. This spread — 0.00 percentage points across the same city — reflects how school district boundaries and local assessment districts are drawn across El Dorado County. Understanding which part of Garden Valley you live in can make a meaningful difference to your annual tax bill.

Garden Valley homeowners who believe their assessed value is too high can file a formal appeal with the local Tax Assessor before the November 30, 2026 deadline each year.

If your estimated bill above seems higher than expected, Ownwell can review your assessment and protest on your behalf. You only pay if we save you money.

Property Tax Rates Across Garden Valley, El Dorado County, California

As noted earlier, local government entities set tax rates, which can vary widely within a state.

Why? Because annually, each county estimates its required budget to provide services and divides that by the total value of all taxable property within its jurisdiction. This calculation results in the property tax rate.

While there are votes and laws involved in setting tax rates and budgets, in a nutshell, this is the annual process.

Below, you can compare Garden Valley's effective property tax rate to other cities in California and the median property tax rates in California and the U.S.

Property Tax Rates Across Garden Valley, El Dorado County, California

Source: Ownwell

1.04%

1.18%

1.32%

Our median effective property tax rate (tax bill ÷ assessor's market value) accounts for exemptions and deductions, making it more accurate than the general median tax rate, which is the midpoint of statutory rates before adjustments.

Median Effective Garden Valley Tax Rate

1.10%

Median Effective El Dorado County Tax Rate

1.08%

Median Effective California Tax Rate

1.21%

Median Effective United States Tax Rate

1.02%

Property Tax Rates Across Garden Valley, El Dorado County, California

Zip	10th Percentile	25th Percentile	Median Tax Rate	75th Percentile	90th Percentile
95633	1.07%	1.08%	1.10%	1.13%	1.20%

Source: Ownwell

Property Tax Assessment Values Across Garden Valley, El Dorado County, California

When examining property taxes in Garden Valley, California, understanding the distinction between market value and assessed value is crucial.

The market value is what a willing buyer would pay to a willing seller in an open and competitive market, often influenced by location, property condition, and economic market trends. El Dorado County estimates the market value for tax purposes.

The assessed value is the market value minus any applicable exemptions or limits determined by local laws and offerings. The tax assessed value is the figure used to calculate your property taxes or the amount multiplied by your tax rate to get your tax bill.

Assessment notices in El Dorado County are sent in the spring each year and typically reach your mailbox by the middle of the month. Each property owner receives an assessment notice that contains both the market value and assessed value, along with an estimate of your property tax bill.

For example, the median home price in Garden Valley is $291,733, with a median tax bill of $3,196. ZIP code 95633 has both the highest median home price and the highest median tax bill in the area.

Property Tax Assessment Values Across Garden Valley, El Dorado County, California

Source: Ownwell

$188,691

$420,380

$652,069

Median Garden Valley Market Value

$291,733

Median El Dorado County Market Value

$413,970

Median California Market Value

$427,605

Median United States Market Value

$235,294

Property Tax Assessment Values Across Garden Valley, El Dorado County, California

Zip	10th Percentile	25th Percentile	Median Home Price	75th Percentile	90th Percentile
95633	$121,918	$197,760	$291,733	$392,884	$510,000

Source: Ownwell

Property Tax Bills Across Garden Valley, El Dorado County, California

Garden Valley property tax bills are based on the assessed value of a home and the local tax rate set for El Dorado County. When a property’s market value changes, the assessed value can change too, which can raise or lower the tax bill. Homeowners in Garden Valley should expect their bill to reflect both the value of the property and the tax rates applied by local governments and school districts.

The median home price in Garden Valley is $291,733, and the median property tax bill is $3,196. That amount is above the national median property tax bill of $2,400, showing how local assessments can create a higher annual cost for homeowners. Bills can vary widely, with the 25th percentile at $2,205 and the 75th percentile at $4,344, while the 90th percentile reaches $5,553. For homeowners, this means property taxes can be a major part of the cost of owning a home and may change as home values and assessments change.

Property Tax Bills Across Garden Valley, El Dorado County, California

Source: Ownwell

$2,100

$5,092

$8,083

Median Garden Valley Tax Bill

$3,196

Median El Dorado County Tax Bill

$4,531

Median California Tax Bill

$5,134

Median United States Tax Bill

$2,400

Property Tax Bills Across Garden Valley, El Dorado County, California

Zip	10th Percentile	25th Percentile	Median Tax Bill	75th Percentile	90th Percentile
95633	$1,393	$2,205	$3,196	$4,344	$5,553

Source: Ownwell

Don't miss the deadline to appeal!

Dates
Property Valuation Date	January 1
Appeal Deadline	November 30
Tax Bill
Issued	October 1
Due Date #1	December 10
Due Date #2	April 10

Links
El Dorado Tax Assessor
Website	parcel.edcgov.us

Frequently Asked Property Tax Questions in Garden Valley, California

How are property taxes calculated in Garden Valley, California?

Property taxes in Garden Valley, California are calculated by multiplying your property's assessed value by the applicable tax rate set by local taxing authorities. The assessed value is determined by the county assessor and may differ from your property's market value depending on local assessment ratios and exemptions.

How do I appeal my property taxes in Garden Valley, California?

To appeal your property taxes in Garden Valley, California, you typically need to file a formal protest or appeal with your local appraisal district or assessor's office by the stated deadline. You'll need evidence such as comparable sales, a recent independent appraisal, or documentation of property condition issues. Ownwell can handle this entire process for you.

What property tax exemptions are available in Garden Valley, California?

Common property tax exemptions in Garden Valley, California include homestead exemptions for primary residences, senior citizen exemptions, veteran exemptions, and disability exemptions. Exemption amounts and eligibility requirements vary by county. Contact your local appraisal district or check Ownwell for details specific to your property.

When are property taxes due in Garden Valley, California?

Property tax deadlines in Garden Valley, California vary by county but typically include an assessment notice period in spring or early summer, followed by an appeal deadline, and a tax payment due date in the fall or winter. Check with your county assessor's office for specific dates in your area.

How can Ownwell help reduce my property taxes in Garden Valley, California?

Ownwell provides professional property tax appeal services in Garden Valley, California. Our team analyzes your assessment, gathers evidence, files all paperwork, and represents you at hearings — all with no upfront cost. You only pay a percentage of your savings if we successfully lower your tax bill.