Paying Your Property Taxes | City of Kawartha Lakes

Payment Options

All payments must be received on or before the due date. Late payments will be subject to penalty charges. We do not accept the postmark as proof of the date of receipt.

To make paying your water bill as convenient as possible we provide a variety of payment options including:

Pre-authorized Debit (PAD)
Online banking or telephone banking
By mail to PO Box 696 Lindsay, ON K9V 4W9
- (post-dated cheques are not accepted)
At most financial institutions
- (you must pay before the due date to use this option)
Drop box or in person at any Municipal Service Centres
- (credit cards are not accepted)
Online by credit card
- (a 2.75% charge applies)
Over the phone by credit card at 1-866-961-2313
- (a 2.75% charge applies)

Pre-authorized Debit (PAD) Plans

We are currently accepting monthly PAD applications for the 2026 Interim Tax bill (issued in January). Please make sure your 2025 taxes are paid in full, including the final installments due June 27 and September 29.

We offer three plan options:

10-month plan
12-month plan
Installment due date plan

To enroll, you must:

Complete a Pre-authorized Debit Agreement Application Form
Ensure your property taxes are paid up to date before the plan start date

Important details:

PAD plans are not transferable between properties if you sell and purchase another in Kawartha Lakes.
Monthly plans have cut-off dates:
- Applications received Nov 1 – Apr 30 will be enrolled for the next Final Tax bill with the first withdrawal in July.
- Applications received Jan 1 – Apr 30 will be set up for the current year’s Final 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.

Withdrawal dates:

12-month plan – January 15 to June 15, then July 15 to December 15.
- On December 15, any remaining balance will be withdrawn to bring your account to zero.
10-month plan – February 1 to June 1, then July 1 to November 1.
- On November 1, any remaining balance will be withdrawn to bring your account to zero.

Forms:

Complete the Property Tax Pre-authorized Debit Agreement Application
- If you are looking for the Water Wastewater pre-authorized debit application, please visit the Utility Billing page.
Submit a Pre-authorized Debit Cancellation Form if you would like to stop automatic payments.

Online Banking

You can pay electronically through your online banking institution:

Add a payee: “Kawartha Lakes Taxes” found in your bill payments feature.
Enter your account information:
- Property Tax: 19-digit roll number (example: 1651xxxxxxxxxxxxxxx)

If you are looking for the more information on paying your water wastewater bill, please visit the Utility Billing page.

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.

Receipts

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.

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 $40.00 per transaction.

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.