[
    {
        "role": "user",
        "content": "I%20need%20my%202024%20property%20taxes%20amount%20from%20St.%20Matthews%2C%20KY%20and%20Jefferson%20County%2C%20KY."
    },
    {
        "role": "assistant",
        "content": "I\u2019m sorry, but I can\u2019t look up your specific property\u2019s tax amount without more details. However, I found the exact tax rate schedule for St. Matthews and Jefferson County KY for 2024. You can use this to calculate your 2024 property taxes.\n\n---\n\n### \ud83d\udca1 Key Information for 2024 in St. Matthews / Jefferson County\n\nFrom the 2024 Tax Rate Schedule (Final), the combined rates for **real property** (i.e. your home or land) in **St. Matthews (Lyndon district #26)** are:  \n- $0.15 per $100 assessed value (for the city of St. Matthews portion) ([jeffersonpva.ky.gov](https://jeffersonpva.ky.gov/wp-content/uploads/2024/09/2024-Tax-Rate-Schedule-Final.pdf?utm_source=openai))  \n- **plus** other applicable rates (State, Metro Louisville, Urban Service District, School, etc.) from the same table ([jeffersonpva.ky.gov](https://jeffersonpva.ky.gov/wp-content/uploads/2024/09/2024-Tax-Rate-Schedule-Final.pdf?utm_source=openai))  \n\nAlso:  \n- The state rate for Kentucky real property in 2024 is **$0.109 per $100 assessed value** ([jeffersonpva.ky.gov](https://jeffersonpva.ky.gov/wp-content/uploads/2024/09/2024-Tax-Rate-Schedule-Final.pdf?utm_source=openai))  \n- Jefferson County Public Schools rate for real estate in 2024 is **$0.735 per $100 assessed value** ([jeffersonpva.ky.gov](https://jeffersonpva.ky.gov/wp-content/uploads/2024/09/2024-Tax-Rate-Schedule-Final.pdf?utm_source=openai))  \n\n---\n\n### \ud83d\udd22 How to Calculate Your Property Tax\n\nTo compute your tax bill, follow this formula:\n\n1. Take your property\u2019s **assessed value** (from Jefferson County PVA).\n2. Subtract any applicable exemptions (e.g. Homestead, disability) to get the **taxable assessed value**. ([stmatthewsky.gov](https://www.stmatthewsky.gov/taxes/?utm_source=openai))  \n3. Multiply by the combined tax rates (sum of all applicable \u201cper $100\u201d rates).\n4. Divide by 100, since rate is per $100.\n\n---\n\n### \ud83e\uddee Example Calculation\n\nLet\u2019s say:\n\n- Assessed value = **$200,000**\n- Homestead exemption = **$46,350** (standard in 2024) ([jeffersonpva.ky.gov](https://jeffersonpva.ky.gov/wp-content/uploads/2024/09/2024-Tax-Rate-Schedule-Final.pdf?utm_source=openai))  \n- After exemption, Taxable value = **$153,650**\n\nIf all applicable rates (State + Metro Louisville + Urban Service + School + St. Matthews city) summed to, say, **$1.50 per $100** (this is an example\u2014your actual sum may be different), then:\n\n- Tax = (153,650 \u00d7 1.50) \u00f7 100 = **$2,304.75**\n\n---\n\nIf you\u2019d like, I can help you calculate the exact amount for *your* property\u2014just share the assessed value (before or after exemptions) and whether you qualify for any (homestead, age, disability, etc.)."
    },
    {
        "role": "user",
        "content": "my%20wife%20and%20i%20are%20blind.%20Are%20we%20eligible%20for%20the%20disability%20credit%20in%20our%20property%20taxes"
    },
    {
        "role": "assistant",
        "content": "Yes \u2014 in Jefferson County, KY, you *may* be eligible for a **Disability Exemption** (sometimes called the Homestead/Disability Exemption) that reduces property taxes by lowering the assessed taxable value of your home. ([jeffersonpva.ky.gov](https://jeffersonpva.ky.gov/property-assessment/exemptions/disability-exemption/?utm_source=openai))\n\nHere are the details:\n\n---\n\n### \u2705 What You Need to Qualify\n\n- You must be **totally disabled** under a program run by the U.S. government or a public/private retirement system. ([revenue.ky.gov](https://revenue.ky.gov/Property/Residential-Farm-Commercial-Property/pages/homestead-exemption.aspx?utm_source=openai))  \n- You must **own** and **occupy** the property as your primary residence as of **January 1** of the assessment year. ([jeffersonpva.ky.gov](https://jeffersonpva.ky.gov/property-assessment/exemptions/disability-exemption/?utm_source=openai))  \n- The disability must have been in effect and you must have been receiving disability payments throughout the full assessment period. ([revenue.ky.gov](https://revenue.ky.gov/Property/Residential-Farm-Commercial-Property/pages/homestead-exemption.aspx?utm_source=openai))\n\n---\n\n### \ud83d\udcb5 What the Exemption Covers\n\n- For the 2025\u20132026 assessment years, the exemption amount is **$49,100** of the property\u2019s assessed value. ([jeffersonpva.ky.gov](https://jeffersonpva.ky.gov/property-assessment/exemptions/disability-exemption/?utm_source=openai))  \n- The exemption reduces the portion of your assessed value that is taxed, which lowers your property tax bill. ([revenue.ky.gov](https://revenue.ky.gov/Property/Residential-Farm-Commercial-Property/pages/homestead-exemption.aspx?utm_source=openai))\n\n---\n\n### \ud83d\udcdd Key Considerations\n\n- If **both** you and your wife are blind but are married and filing jointly, check if the status of \u201ctotally disabled\u201d applies for both (depending on your disability documentation). If one spouse qualifies, that may be sufficient.  \n- This is *not* a tax credit that reduces the tax owed dollar for dollar, but an exemption that lowers how much of your property\u2019s value is taxed.  \n- The exemption must be **applied for** with the Jefferson County Property Valuation Administrator (PVA) \u2014 it is not automatic. ([jeffersonpva.ky.gov](https://jeffersonpva.ky.gov/property-assessment/exemptions/disability-exemption/?utm_source=openai))\n\n---\n\nIf you'd like, I can help you figure out exactly what amount you might save \u2014 just share your home\u2019s assessed value and whether you already have any exemptions applied."
    },
    {
        "role": "user",
        "content": "what%20web%20sites%20do%20i%20go%20to%20for%20my%20St.%20Matthews%20KY%20and%20Jefferson%20County%20KY%20property%20taxes%3F%20I%27m%20filling%20out%20my%20taxes%20and%20need%20these."
    },
    {
        "role": "assistant",
        "content": "Here are the official websites you\u2019ll want to use for your St. Matthews (KY) / Jefferson County property taxes. These will help you find your assessed value, exemptions, tax bills, and payment options.\n\n---\n\n## \ud83c\udfdb Key Websites\n\n| Purpose | Website & What You\u2019ll Find There |\n|---|---|\n| **Jefferson County Property Valuation Administrator (PVA)** | This is where you go to look up your property\u2019s assessed value, file for exemptions (like disability or homestead), see legal descriptions or your parcel ID, appeal your property assessment, etc. ([jeffersonpva.ky.gov](https://jeffersonpva.ky.gov/?utm_source=openai)) |\n| **City of St. Matthews \u2013 Property Tax / Real Estate** | For information specific to city property taxes in St. Matthews\u2014rate schedules, discounts, how to pay (online or in person), and city-level details on exemptions. ([stmatthewsky.gov](https://www.stmatthewsky.gov/taxes/?utm_source=openai)) |\n| **Jefferson County Sheriff\u2019s Office \u2013 Property Tax Payment Portal** | The Sherifff\u2019s Office collects many of the property taxes. You can search your tax bill and pay via their portal. ([jcsoky.org](https://www.jcsoky.org/property-tax?utm_source=openai)) |\n| **Kentucky Department of Revenue \u2013 Property Tax Division** | For state-wide information, laws, rules about property tax, how exemptions work, statewide rates, and general guidance. ([revenue.ky.gov](https://revenue.ky.gov/Property?utm_source=openai)) |\n\n---\n\nIf you want, I can get you direct links to where you enter your property address or PIDN (Parcel ID Number) to find your specific assessment & tax bill. Would that help more?"
    },
    {
        "role": "user",
        "content": "I%20get%20a%20tax%20bill%20each%20year%20from%20the%20City%20of%20St.%20Matthews%20in%20KY.%20Is%20this%20property%20tax%3F"
    },
    {
        "role": "assistant",
        "content": "A property tax bill from the City of St. Matthews **is** a city-level portion of your property taxes. Here\u2019s how it fits in and what it includes:\n\n---\n\n### \ud83c\udfd9 What the City of St. Matthews Bill Covers\n\n- St. Matthews levies an **ad valorem (property) tax** \u2014 meaning tax based on the assessed (valuation) of your real property. ([stmatthewsky.gov](https://www.stmatthewsky.gov/taxes/?utm_source=openai))  \n- The city uses the assessed value determined by the Jefferson County Property Valuation Administrator (PVA) to calculate how much is owed. ([stmatthewsky.gov](https://www.stmatthewsky.gov/taxes/?utm_source=openai))  \n- The rate for city of St. Matthews property tax is **$0.20 per $100** of assessed value. ([stmatthewsky.gov](https://www.stmatthewsky.gov/taxes/?utm_source=openai))  \n- The bill often comes with discounts: if paid on or before October 31, you can get a **40% discount**. ([stmatthewsky.gov](https://www.stmatthewsky.gov/taxes/?utm_source=openai))  \n\n---\n\n### \ud83d\udd0e What It\u2019s *Not*\n\n- The city bill **does not** usually include other tax components such as county taxes, school district taxes, state taxes, or special district taxes. Each of those is assessed separately per Kentucky\u2019s system. ([jeffersonpva.ky.gov](https://jeffersonpva.ky.gov/wp-content/uploads/2025/10/2025-Tax-Rate-Schedule.pdf?utm_source=openai))  \n- Even though you get a city property tax bill, the **overall property tax** you pay includes combined rates from several jurisdictions (state, county, school, etc.). The city portion is just one share. ([jeffersonpva.ky.gov](https://jeffersonpva.ky.gov/wp-content/uploads/2025/10/2025-Tax-Rate-Schedule.pdf?utm_source=openai))  \n\n---\n\nIf you want, I can pull up your full tax breakdown (city + county + school + state) based on your address or PIDN, so you know exactly what percentage goes to each."
    }
]