Loving County Appraisal District CAD And Tax Guide

Loving CAD 2026 – Practical Guide for Property Owners

Property owners in Loving County receive a Notice of Appraised Value from the Loving County Appraisal District each spring.

The notice shows the market value assigned to the property as of January 1, 2026.

After any exemptions are applied, this value becomes the taxable amount that local taxing units use to calculate the 2026 property tax bill.

This guide provides clear steps for Loving County property owners: reviewing your property record, applying for exemptions, filing a protest if the value appears too high, and making tax payments.

It also explains the roles of the Appraisal District and the Tax Assessor-Collector.

What the Loving County Appraisal District (CAD) Actually Does (Stop the Confusion)

The Loving County Appraisal District sets the market value of all real property and business personal property in the county as of January 1 each year.

The CAD processes exemption applications, handles property value protests through informal reviews and Appraisal Review Board hearings, and provides online tools for property searches and tax payments.

In this small rural county, the CAD serves as the primary contact for valuation, exemptions, protests, and many tax payment functions.

The separate Loving County Tax Assessor-Collector maintains the official tax rolls and handles certain county-specific tax matters.

Contact the CAD for questions about property valuation, exemptions, protests, and online payments.

Contact Details and Office Information

Property Search – How to Find Your Record

1. Go to https://www.lovingcad.org/Home/Search.
2. Enter your owner name, property address, account number, or legal description.
3. Select your property from the search results.
4. Review the account detail page and note these key items:
   • Market Value assigned by the CAD
   • Taxable value after exemptions and caps
   • Breakdown of land and improvement values
   • Property characteristics (acres, building square footage, year built)
   • Exemptions currently applied
   • Ownership and mailing address

Save or print the full record for your files.

Property Tax Exemptions

Common exemptions available to qualifying Loving County property owners include:

• General Residence Homestead Exemption: $140,000 reduction from the school district taxable value for your primary residence.
• Over-65 Exemption: Additional exemption amount plus a freeze on the school district taxes (no increase unless major improvements are made).
• Disabled Person Exemption: Provides the same benefits as the Over-65 exemption for qualifying disabled individuals.
• Disabled Veteran Exemption: Partial to full (100%) exemption on the homestead based on the veteran’s service-connected disability rating.

How to Apply Apply online where available on the CAD website, or submit the appropriate Texas Comptroller forms (50-114 for homestead-related exemptions or 50-135 for disabled veterans) by mail or in person.

File between January 1 and April 30, 2026 when possible. Late applications are accepted up to two years after delinquency, but early filing ensures the exemption appears on your initial tax bill.

Provide a Texas driver’s license or state ID showing the property address plus supporting documents such as VA letters.

How to File a Property Value Protest

Informal Review (Fast Way) Contact the CAD by phone or email after receiving the notice. Submit evidence such as recent comparable sales in Loving County, property photos, or a professional appraisal.

Many valuation differences are resolved at this stage without a formal hearing.

Formal ARB Hearing (Official Way) If the informal review does not produce an acceptable adjustment, submit a formal Notice of Protest by mail, email, or in person using forms from the website.

Provide your evidence, then attend the scheduled Appraisal Review Board hearing (in person or by mail). You will receive a written determination from the ARB.

Important 2026 Deadlines

How to Pay Your Property Taxes

• Online (recommended): Use the Pay Taxes option on https://www.lovingcad.org/ (convenience fee may apply).
• In-Person: Visit the CAD office at 114 W. Collins Ave. in Mentone during business hours.
• Mail: Send check or money order to the address on your tax bill. Include the remittance stub.

Qualifying Over-65, disabled, and disabled veteran owners may request installment plans or tax deferral through the CAD.

Final Checklist for Property Owners

• Access and review your full property record online as soon as the notice arrives
• Compare the market value to recent local sales and your property’s current condition
• Confirm all qualifying exemptions are correctly applied
• Gather supporting evidence if the valuation appears too high
• File an informal review or formal protest before the deadline
• Budget for and pay taxes by January 31, 2027
• Retain all documents and correspondence for next year’s review

Disclaimer This guide is for informational purposes only and reflects data available as of February 2026. Exemption amounts, procedures, and deadlines are subject to change.

For official guidance, contact the Loving County Appraisal District directly or consult a licensed tax professional or attorney. This is not legal or tax advice.