Property Taxes

Property Taxes

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 applying for 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.

View 2020 Tax Rates 

PAYING YOUR PROPERTY TAXES

The 2020 due date for property taxes is July 2, 2020. In order to provide financial relief to our residents, the last day for payment with no penalty is September 30, 2020. This change in penalty date will allow a 90-day extension to pay taxes without late penalties. A 10% penalty will be levied to all accounts with outstanding balances on October 1, 2020. The penalty is also applicable on the homeowner grant portion of your taxes. 


Property Tax Payment Options

1.  Pay by Online Banking

You can pay your property taxes online through your financial institution's website. When you pay online, we suggest you pay 3 days before the property tax due date. With most financial institutions, you can schedule your payment ahead of time so you don't forget.

Contact your financial institution directly if you require assistance or have questions about payment services.

How to Pay Your Castlegar Property Taxes Online

      1. Log onto the online banking platform of your financial institution.
      2. Set up City of Castlegar as the payee. Some banks may have the payee name Castlegar Property Tax or Castlegar Taxes or Castlegar, City - Property Tax. Check with your financial institution if you're unclear of the payee naming.
      3. Use your 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.
      4. Make sure your folio number on your tax notice is the same as the account number set up with your financial institution. Update your account with the correct folio number if you've recently purchased or sold a property.
      5. Check your account balance by July 2, to make sure the payment was successful. If your payment takes longer than 3 days, or is not out of your account by July 2, check with your financial institution.

2.  Pay Through Your Mortgage Company

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).

3.  Paying by Mail

Mail your cheque along with the bottom portion of your tax notice to:

City of Castlegar
460 Columbia Avenue,
Castlegar, BC V1N 1G7

Cheque Details

      • Include your roll number on the cheque.
      • Make payable to the City of Castlegar.
      • The City of Castlegar DOES NOT accept post-dated cheques.

Payments must be received at City Hall on, or before, the due date printed on the front of the notice. If your payment cannot be processed due to an error on a cheque, insufficient funds, or a returned item you will be charged a late payment penalty.

 

4.  Paying in Person

24-Hour Drop-Off Box

Get to City Hall and drop your payment, in an envelope, in the mail slot at the front entrance. You can drop off your payment 24 hours a day - but if you pay after midnight on the due date, you may receive a late penalty charge.

In-Person

By appointment only, until City Hall opens. Please call 250-365-7227 to schedule an appointment. City Hall is expected to reopen Monday, June 29.


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, 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:

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:

 

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.)

Email: TaxDeferment@gov.bc.ca

 

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 the homeowner with an existing Property Tax Deferment Agreement wishes to add a spouse on title, the owner must complete the FIN54 Application and Amending Agreement to continue deferring property taxes.  


TAX SALE

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
Phone: 250-365-7227


RELATED LINKS: 
Downloads
pdf
2020-Tax-Rates
2020-Tax-Rates.pdf [54 KB]
Last Changed: May 26, 2020 04:13pm
pdf
2020 Property Tax Information
2020-PropertyTaxFlyer-FINAL.pdf [486 KB]
Last Changed: Jun 14, 2020 06:28pm
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Castlegar City Hall,
460 Columbia Avenue
Castlegar, B.C.
V1N 1G7
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