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Interim tax bill package - January 2021

Your property taxes are billed by the City twice per year. The interim billing is sent in January and final billing in May, with two payment installments due for each billing.

The Municipal Act requires that your interim bill be based on 50 per cent of your prior year taxes.

2021 Interim Billing Due Dates:
February 25, 2021 - First Installment
April 29, 2021 - Second Installment

Please contact for further information.

January 2021 Tax Insert

"Dear Residents,
This year did not start as planned. Our community had done an outstanding job in following protocols and until the provincial shutdown, our local case numbers were very low. As we go to print on this letter, we are still in shutdown and the number of cases in Kawartha Lakes are rising. We are continuing to focus on pandemic response, keeping the community as safe as possible and delivering as many services as we can within the restrictions."
Final tax bill package - August 2020

2020 Final Tax Bills are in the mail as of July 31, 2020.

Due dates are as follows:

August 28, 2020 - First installment

November 20, 2020 - Second installment

August 2020 Tax Insert: Pandemic UpdatePandemic Update August 2020

"Dear Residents,

Five months ago we declared a State of Emergency due to the COVID-19 pandemic. While we were making good headway going into 2020, we’ve had to turn on a dime to deal with the pandemic. I’m proud of the way together we’ve responded, are recovering and resetting our course as a municipality."

Read the full message from Mayor Letham.

If you do not receive your final tax bill by August 14, 2020 please contact the Tax Office at 705-324-9411 extension 1329 or 1345. Alternatively, you can email our Rev and Tax department.

The 2020 final billing was calculated using the assessed value of your property, as determined and reported by the Municipal Property Assessment Corporation (MPAC) and the approved tax rate, less the interim billing amount.

Due dates and tax rates

There are two installment payments for each of the interim and final property tax bills per year.

2021 Interim Tax Due Dates

February 25, 2021 - First Installment

April 29, 2021 - Second Installment


2020 Due dates are as follows:

August 28, 2020 - First installment

November 20, 2020 - Second installment


The 2020 Tax Rates are available for viewing here.

Notification options

All correspondence, including reminder notices are sent through Canada Post regular mail. It is the homeowner's responsibility to ensure we have a correct mailing address. Failure to receive the tax bill does not remove your responsibility for payment by the due date. Penalty and interest charges will be incurred for late payments.

Property Tax bills are sent using Canada Post regular mail. However, we do have an electronic method through Epost to receive your bills. Sign up for this option.

Change of mailing address or ownership
Change of mailing address

All changes must be sent in writing by the property owner. In the event, the property has become the responsibility of an executor, trustee or Power of Attorney, legal documentation must be provided to the City along with the request, identifying their authority to request the change. Please ensure your assessment roll number or property address is included in the correspondence.

You can email your change request to Revenue and Taxation, fax it to 705-328-2620 or submit it in person at any Municipal Service Centre or City Hall.

Ownership change

In order to change the ownership of a property the City of Kawartha Lakes requires:

  • copy of the Transfer/ Deed showing the Address for Service as filed with the Registry or Land Titles Office
  • Information from the Municipal Property Assessment Corporation with the mailing address


You can email this information to Revenue and Taxation or fax it to 705-328-2620 upon closing of the transaction.

The City does not accept letters from the lawyer acting on behalf of the purchaser as direction to change ownership or direction to use a different mailing address than what is provided on the Transfer/Deed.  It is the property owner's responsibility to ensure the documents that are registered on Title contain the correct mailing address.

Failure to receive the tax bill does not remove the property owner's responsibility for payment of property taxes on or before the due date. Nor will Late Payment charges be removed from the account.

Assessment information

Municipalities are not responsible for property assessment. Property assessments are the responsibility of the Municipal Property Assessment Corporation (MPAC) . Taxes must be paid as levied until notification is received from MPAC about a change to an assessment. Once an assessment change is received by the Municipality from Municipal Property Assessment Corporation (MPAC), an adjustment will be processed.

Request for reconsideration

You can sign up to see your assessment details and compare the value of your home to other homes in your neighbourhood. Please visit the MPAC website for information about MPAC and details on how to appeal your assessment through the Request for Reconsideration process.

Payment options

All payments must be received in our office on or before the due date. Late payments will be subject to penalty and interest charges. We do not accept the postmark as proof of the date of receipt. To make paying your taxes as convenient as possible we provide a variety of payment options including:

  • pre-authorized debit
  • by mail to PO Box 696 Lindsay, ON K9V 4W9 (post-dated cheques are accepted)
  • at most financial institutions (you must pay before the due date to use this option)
  • telephone or online banking
  • in person at any Municipal Service Centre or City Hall (Please note: credit cards are not accepted) - NOT AVAILABLE DUE TO COVID-19
  • drop box at any Municipal Service Centre or City Hall
  • online by credit card (there is a 2.75% charge for this service)
  • over the phone by credit card at 1-866-961-2313 (there is a 2.75% charge for this service)
Pre-authorized debit

We offer a 10-month, 12-month or installment due date plan. You must complete a pre-authorized debit application form and ensure your taxes are paid up to date prior to the start date of the plan. The PAD plans are not transferable between houses should you sell your property and purchase another in Kawartha Lakes.

If you choose a monthly plan please be aware of the cut-off dates for submitting your application. Applications received between November 1 - April 30 will be enrolled for the next Final Tax Bill with the first withdrawal in July. Applications received between May 1 - October 31 will be enrolled for the following year's Interim Tax Bill.

This is not an equal billing plan. Amounts are calculated for the Interim Tax Bill and re-calculated for the Final Tax Bill.

12-month plans have withdrawal dates of January 15 - June 15 and again July 15 - December 15. On December 15, any residual balance owing to bring your account to zero will be withdrawn.

10-month plans have withdrawal dates of February 1 - June 1 and again July 1 - November 1. On November 1, any residual balance owing to bring your account to zero will be withdrawn.

Download the Pre-Authorized Debit Cancellation Notice Form

Download the Property Tax Pre-Authorized Debit Agreement Application Form

Late payment charges
  • penalty 1.25% per month (current year arrears)
  • interest 1.25% per month (prior year arrears)
  • additions to tax roll 5% of amount being added ( $50 minimum)
To avoid penalty and interest charges, ensure payments are received on or before the due date. Penalty/interest is added the first day of each month on any outstanding tax amount. If you have made payment to a wrong account by mistake, please let us know as soon as possible to arrange a payment transfer. We will complete first time transfers at no cost, subsequent transfers will have a cost of $35.00 per transaction
Bank or mortgage company payments 

If your bank or mortgage company is responsible for paying your taxes and it is not noted on the front of your bill, please forward the bill to them immediately. Your bank or mortgage company must notify us in writing if they will be paying taxes on your behalf or if they are going to stop paying taxes on your behalf.


If you need a receipt please return your entire bill without detaching the payment stubs and include a stamped, self-addressed envelope. You can also e-mail, fax or bring your bill to our office or any Municipal Service Centre and we will stamp it for you at no cost.

If you have sold your property we are unable to provide a copy of the bill or a receipt in your name. You can find out how much you paid in taxes by reviewing the statement of adjustments prepared by your lawyer at the time of closing.

Failure to pay

If you do not pay your installments by the due date your account may be issued to the Bailiff for collection. This could result in extra fees. Once the account has been issued to the Bailiff, you will need to deal directly with them regarding payment, arrangements or balances. If a payment is made in person at our office we will notify the bailiff so they can adjust their records accordingly.

  • tax certificate: $60.00
  • copy or reprint of tax bill: $30.00
  • duplicate receipt: $30.00
  • new account fee: $40.00 (charged to the purchaser of the property)
  • returned cheque fee: $40.00
  • retrieval of post-dated cheque: $40.00
  • reminder notice: $25.00
  • registered mail: $35.00
  • tax search: $35.00
  • tax sale administration fee: $360.00
  • transfer of electronic payments: $35.00
Tax rebates
We offer tax rebates for the following criteria:

 Application for Reduction

If your house or another building on your property was demolished or damaged by fire, you may qualify for a property tax reduction by submitting a Section 357/358 application below.

Tax Application

The deadline for applications is February 28 of the current year. For the preceding taxation year (Example, February 28 2021 would be the deadline for a 2020 application).

Low Income Senior and Disabled Persons programs

Council grants eligible seniors and disabled property owners up to $175. The deadline to apply for this program is August 31, 2020. Successful applicants will receive a credit applied to future tax installments. The City does not issue refunds for this program.

If you are on a monthly pre-authorized payment plan the credit will be applied towards your reconciliation payment. For those on the installment due date plan, the credit will be applied to the November installment.

Fill out the Property Tax Assistance Program for Low Income Seniors or Disabled Persons Form Online

Download the Property Tax Assistance Program for Low Income Seniors or Disabled Persons Form

Registered Charity Tax Rebate

Registered charitable organizations renting space in commercial or industrial properties can apply for the Registered Charity Tax Rebate.

Local improvements and other charges

If applicable, charges for local improvements, area rates and other charges are included on the tax bill under the heading Special Charges and Credits.

Tax sales

Please visit our Tax Sales page for more information.

Clawback rates and Municipal Levy change
Municipal Levy Change
Year Commercial Industrial Multi-Residential
2008 2.5552% 2.1839% 4.7432%
2009 -0.1827% -0.1454% -0.3395%
2010 1.2441% 1.1369% 2.2804%
2011 1.2883% .0212% 2.308%
2012 1.1027% .07871% 1.9480%
2013 1.7994% .3999% 3.1688%
2014 0.0468% .7051% 0.0810%
2015 1.4562% 1.4881% 2.5257%
2016 3.17% 2.28% 4.00%
2017 2.9482% -2.3992% 3.5468%
2018 2.9224% 1.5405%


2019 Kawartha Lakes is now taxed at full Current Value Assessment and has exited the program.    
 Frequently Asked Question: What drives the amount that my taxes increase or decrease each year?

Question: What drives the amount that my taxes increase or decrease each year?

Answer: Property taxes are determined based on the following inputs:


1. Current year phased-in property assessment value

  • Determined by the Municipal Property Assessment Corporation (MPAC).

2. Council approved Tax Rate

  • Includes the General, Police and Fire levies. It is important to note that Police and Fire levies are specific to the service delivery for the property, hence, residents pay different levies based on the services received.

Police example: Residents outside Lindsay/Ops pay for OPP services, residents in Lindsay/Ops pay for CKL Police Services

Fire example: Residents that have full-time fire protection pay a different levy those that have volunteer fire protection services

  • Levies may also include location dependent Special Rate Area levies (eg. transit, parks and streetlights) that are charged to address the cost of infrastructure or delivery of specific services which vary across Kawartha Lakes.

3. Education Tax Rate set by the Provincial Government

For 2020, Council approved an increase to the general tax levy of 3.0%, however, as indicated above, one of the inputs in the calculation of property taxes is the current year property value, as determined by MPAC.

Currently, MPAC values properties based on a January 1, 2016 valuation date for the 2017, 2018, 2019 and 2020 tax years. MPAC continues to review properties during this four year period as new homes are built, owners renovate, structures are demolished and properties change use.


Increases in assessed value between the January 1, 2012 and January 1, 2016 legislated valuation dates are phased in over the 2017 to 2020 tax years. Under the phase-in provision in the Assessment Act, an increase in assessed value is introduced gradually. A decrease in assessed value is introduced immediately.  This means that even if your property’s remains unchanged during this four year period, the phased-in property assessment value would still increase year over year. The change in the phased-in property assessment value directly affects the amount of property taxes levied.

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