Property taxes make up the largest percentage of the City's revenue and are used to fund operations and capital projects.
Property Tax Notices are mailed each May and are due at the beginning of July. If you are living at your property and are eligible, ensure you complete your Home Owner Grant application before the tax due date. The Home Owner Grant is a provincial government program which reduces the amount of residential property taxes homeowners pay on their primary residence. By signing the Home Owner Grant on the bottom of your tax notice, you are reducing your tax bill by $770 or $1,045 if you are 65 years old or over.
1. Financial Institutions / Mortgage Company
Property taxes can be paid through most financial institutions in person or online. If your Financial Institution/Mortgage company pays your property taxes, it is your responsibility to claim the Home Owner Grant prior to the due date. The City of Castlegar is not responsible for errors made by mortgage providers. Please ensure that your mortgage provider is aware you are claiming the Home Owner Grant (if applicable).
*Please note that you cannot claim the Home Owner Grant at your Financial Institution.
Bill Payee: Castlegar, City - Property Tax (NOT Utilities)
Account #: 8 Digit Roll Number (without spaces or punctuation) that appears at the top right corner of your Property Tax Notice. Do not include the 201 prefix.
2. Paying by Mail
Cheque must be made payable to the City of Castlegar. Please ensure you include your account number on your cheque. Payments must be received in our office by 4:30pm on July 4, 2017.Send a cheque to City Hall, 460 Columbia Avenue Castlegar, BC V1N 1G7. (DO NOT SEND CASH OR POST DATED CHEQUES).
3. Paying in Person
Payments by cash, cheque or Interac debit card may be made at City Hall between 8:30 am and 4:30 pm, Monday to Friday. CREDIT CARDS ARE NOT ACCEPTED.
TAX AND UTILITY PREPAYMENT PLAN
The City's tax prepayment plan allows you to make 11 easy monthly installments towards your next year's property taxes. Starting in July, we estimate what the following year's taxes will be and take a property tax installment directly from your bank account on the 15th of each month. By the time the property taxes are billed the following May, you will have a prepayment balance which will be used to offset the property tax billing. If you overpay we can provide you with a refund shortly after the tax due date. If there are still taxes owing you can forward the balance owing along with your home owner grant application by the tax due date. The plan is convenient in that you don't have to worry about paying one lump sum on the tax due date, a good investment as we pay you interest on the your prepayment balance, and easy to start.
PROPERTY TAX DEFERMENT
When you receive your property tax notice in May, you may be able to apply to the Province of BC for a low interest loan to pay the current year property taxes on your principal residence. There are two programs you may qualify for:
You may qualify for the Regular Program if you are:
- 55 or older during the current year;
- a surviving spouse of any age; or
- a person with disabilities.
Click here to be directed to the BC Government website for more information on the Regular Program.
You may qualify for the Families with Children Program if you are parent, stepparent or financially supporting a child.
- You can apply to defer a portion or all of your residential (class 1) or residential and farm (class 1 and 9) property taxes after the Home Owner Grant <link to page> is deducted. If you qualify for the Home Owner Grant, you must apply for it separately each year.
- All penalties, interest, previous year property taxes, and/or utility user fees must be paid to the municipal tax collector as these are not eligible for deferment.
- If your application is approved, the province pays the current year unpaid property taxes on your behalf.
- You must apply to renew your agreement each year if you want the province to continue to pay your property taxes on your behalf. The renewal process is not automatic.
Click here to be directed to the BC Government website for more information on the Families with Children Program.
You can apply to defer a portion or all of your residential (class 1) or residential and farm (class 1 and 9) property taxes after the Home Owner Grant is deducted. If you qualify for the Home Owner Grant, you must apply for it separately each year.
All penalties, interest, previous year property taxes, and/or utility user fees must be paid to the municipal tax collector as these are not eligible for deferment.
If your application is approved, the province pays the current year unpaid property taxes on your behalf.
You must apply to renew your agreement each year if you want the province to continue to pay your property taxes on your behalf. The renewal process is not automatic.
Before you apply, it's important to make sure:
- You quality for tax deferment by reading the Regular Program and/or Families with Children Program above.
- All changes to your property title have been completed. If your application is approved, a restrictive lien will be registered against your property and will remain until you repay the loan in full.
- All penalties, interest, previous year property taxes, and local services taxes (or utility user fees) are paid to the municipal tax collector as these are not eligible for deferment.
Choose and fill out the application for the program that applies to you:
- Regular Program Application <link to http://www2.gov.bc.ca/gov/content/taxes/property-taxes/annual-property-tax/defer-taxes/regular-program/apply>Note: you must include all supporting documentation with your application if you are:
- applying on behalf of the registered owner
- applying as a surviving spouse
- applying as a person with disabilities
- Families with Children Program Application<link to http://www2.gov.bc.ca/gov/content/taxes/property-taxes/annual-property-tax/defer-taxes/families-children-program/apply>. Note: You must include supporting documentation with your application if you are:
- applying on behalf of the registered owner
- applying as a parent or stepparent of a person with disabilities
Return all documentation to the Finance Department at City Hall <link to contact page>.
The Province of British Columbia will send you a renewal notice, along with a statement of your loan account, before the end of May. Only these authorized forms will be accepted for renewal.
You must make sure you continue to qualify for the tax deferment program before you submit your renewal:
- Regular Program <link to http://www2.gov.bc.ca/gov/content/taxes/property-taxes/annual-property-tax/defer-taxes/renew>
- Families with Children Program <link to http://www2.gov.bc.ca/gov/content/taxes/property-taxes/annual-property-tax/defer-taxes/renew>
If you will be selling your home or refinancing, before you submit your renewal application please contact:
Province of BC Property Tax Deferment Office
Telephone: 250 356-8121 (Victoria)
Alternate Telephone: 1 888 355-2700 (Toll-free in B.C.)
You'll be charged a late payment penalty if:
- you apply after the property tax due date
- your application is declined and it's past the property tax due date
- you sell your home before the taxes are paid on your behalf
- you cancel or withdraw your application for any reason after the tax due date and it's before the taxes are paid on your behalf
If your property taxes are in a delinquent balance (by definition, a total of 3 years of unpaid taxes), your property may be subjected to Tax Sale, in accordance with the Province of British Columbia's Local Government Act.
The annual tax sale takes place at 10am on the last Monday in September at the Council Chambers, which is located at 445-13th Avenue. As part of the tax sale process an advertisement will be placed in the local newspapers listing the properties to be sold. In order to avoid your property being listed for sale in the newspaper we must receive your payment of delinquent taxes by the last Friday of August. If the delinquent taxes are paid before 10:00am on the tax sale day, they will be removed from the list of properties.
The tax sale is an open auction with bid acceptances from the floor. The highest bidder at or above the upset price shall be declared the purchaser. The purchaser has no legal rights to the property until one year has expired from the date of the tax sale. The owner has one year in which to redeem the property by paying back the upset price plus interest. Purchasers must pay by certified cheque or cash. One hour will be allowed for purchasers to secure payment.
The City of Castlegar makes no comments or claim of knowledge about any of the parcels being sold at the annual tax sale and gives warning to all those who are thinking of bidding that they should exercise caution.
Further information about the tax sale can be found by reviewing section 645 to 672 of the Local Government Act.
Avoid Tax Sale of Your Property
- Pay your property taxes and claim your Home Owner grant (if eligible) by the due date.
- Pay your delinquent taxes by the end of August to avoid your property from being listed in the newspaper.
- Pay your delinquent taxes, including interest, by mid-September to stop your property from going to tax sale.
For more information contact:
Email: Financial Services Department