Property Taxes

Billing & Payments

2022 Tax Due Dates

Interim Billing Dates

First Instalment due March 31, 2022
Second Instalment due May 31, 2022

Final Billing Dates

First Instalment due August 31, 2022
Second Instalment due October 31, 2022

Failure to receive a tax bill does not relieve the taxpayer from paying taxes.

Late Payments
Late payments will result in a penalty and interest charge of 1.25% of the outstanding taxes applicable the first day past the due date. This charge is applied for the entire month. Interest will be charged on tax arrears on the first day of each calendar month. Penalty and Interest charges cannot be waived.

How are Property Taxes Calculated?

How Property Taxes are Calculated

Property taxes are calculated by multiplying the assessed value of your property by the current years Total Tax Rate

2020 Example:
Average Property Value: $277,200
Total Residential Tax Rate: 0.01183521
$277,200 x 0.01183521 = 3,280.72
Therefore a property assessed at $277,200, would have a total amount of $3,280.72 in taxes levied for 2020.

How are property taxes calculated?

Ways to Pay

Tax Payment Plans

Tax Payment Plans

Avoid late tax payments with our Pre-Authorized Payment Application (Tax PAP) below! You can set up an Instalment Plan or a Monthly Plan for automatic tax payments.

Instalment Plan
Four instalments throughout the year, deducted on the due date indicated on your tax bill Applications must be received 15 days prior to the due date
Monthly Plan
Taxes are split into 12 payments deducted the 1st of each month
Applications must be received by the 15th of the month (or first business day after)

Taxes must be current for the application to be accepted, if your taxes are in arrears, we can set up a payment plan to help you pay your outstanding amounts
Pre-Authorized Payment Plans do not transfer to new properties automatically, you will need to submit a new application for the newly purchased property. If you are selling your property and need to cancel your pre-authorized payment please contact us
Payments are accepted in Canadian Dollars only
You can submit your PAP application to us in person, by mail, or electronically using the Dropbox
- For your convenience you can also submit a clear picture (using a cell phone camera) of the completed form and a void cheque via Dropbox

Submitting your Pre-Authorized Payment Plan electronically using Dropbox

How to use Dropbox secure service:
Dropbox delivers files safely by encrypting them to protect the privacy of your financial information. Just access the link below and follow the instructions to send your completed application form and void cheque or Banking Information form for electronic payments.

Download and complete the Pre-Authorized Payment Application (Tax PAP)
Go to https://dropbox.haldimandcounty.on.ca/
Click on Drop Off
Select No to the answer “Have you been given a Request Code?”
Complete the name, organization, and email address fields. Click Send Confirmation
Check your email, when you receive the confirmation, click on the link to take you to the next screen for sending your file
In the To field, enter Property Taxes, and the address propertytaxes@haldimandcounty.on.ca
Click add recipient
You can include a note requesting to be set up for EFT payments
Click on Click to add or Drag Them Here to upload your form and void cheque information
Click Drop-Off Files

If you have any questions please contact propertytaxes@haldimandcounty.on.ca

Financial Institution

At most financial institutions
You can pay in person at the teller; at the ATM or using your financial institution’s online or telephone banking. Please ensure to use the property roll number indicated on your tax bill, the payee is “Haldimand County Taxes”.

Visa or MasterCard

By Visa or MasterCard
You can pay online with a credit card through our Property Tax Payment page.

Please note Paymentus charges a non-refundable transaction fee of 1.75% of your total tax bill.

By Mail

By Mail

If you require a receipt, please enclose your complete tax bill and a self-addressed stamped envelope. Please make cheques payable to Haldimand County.
Please send cheque, post-dated cheque or a money order to:

Haldimand County
53 Thorburn St.
Cayuga, ON, N0A 1E0

In Person

In Person

Payments can be made in person by cash, debit, cheque or money order at Haldimand County Administrative Office. After hours mail slots are available at all locations.

Tax Payments, Penalties, Interest, NSF's,

How are payments applied to the tax roll?

Payments to your Property Tax Roll are applied to the oldest outstanding amounts first, in the following order:

1st – payments are applied to penalty and interest on the account
2nd-payments are applied to any outstanding fees or charges which may have been added to your roll such as unpaid Accounts Receivable balances or Property By-law violations
3rd – lastly payments are applied to any outstanding tax amounts on the account

Made a payment error?

If you made a payment to an incorrect tax roll please contact our Tax Department at the contact information listed at the bottom of the page

Changing your tax information

Need to Change Your Tax Information?

If you have recently moved, changed your mailing address, changed your banking information or had any other changes to your tax roll information, please fill out the form below to let us know:

Tax Information Change Request

Roll Number*
Owner Name*
Prefix First Middle Last Suffix
Email (in case we have questions or need clarification)*
New Mailing Address
Street Address Address Line 2 City State / Province / Region ZIP / Postal Code Country
Other Changes Requested
Email
This field is for validation purposes and should be left unchanged.

If your payment returned due to insufficient funds (NSF)

If you paid by Cheque and your payment was returned due to insufficient funds, we will reverse your payment from your property tax roll and apply NSF/Returned Payment fee, see Schedule A. You will be notified by mail with a copy of the NSF Cheque.

If your payment was through the Pre-Authorized Payment plan, you will receive a letter in the mail indicating that your payment was rejected due to insufficient funds and that NSF/Returned Payment fee will be added to your property tax roll. If you do not pay before the next pre-authorized withdrawal, your bill will be recalculated to include the previously missed bill, the NSF/Returned fee, and the current amount.

Please note that after 2 rejected PAP payments, your enrollment in the plan will be discontinued

Tax Penalty Calculations

Late payments will result in a penalty and interest charge of 1.25% of the outstanding taxes
applicable the first day past the due date. This charge is applied for the entire month.
Interest will be charged at the same rate on tax arrears on the first day of each calendar month
following the late payment.
Note that interest charge of 1.25% does not apply fees or interest charges

Penalty and interest charges cannot be waived

Tax Sale Registration

The Municipal Act authorizes the Municipality to recover unpaid taxes through the sale of the property in arrears.

Properties with two or more years of arrears will be eligible for Tax Sale Registration. Significant Tax Sale Fees apply to this process and all interested parties including Mortgage Companies and Financial Institutions will be made aware of the registration.

If the property taxes are not paid according to the terms of the Tax Sale Registration, the property can be sold and the municipality will recover the outstanding tax amounts from the proceeds of the sale.

Before the property is legally registered and eligible for sale, the County attempts to contact the property owner to arrange the collection of the outstanding tax arrears. If the property owner does not respond to the initial contact, registration of the property will follow and could eventually lead to the sale of the property to recover any outstanding amounts on the tax roll.

Please contact us if you have received a letter about property tax arrears and potential Tax Sale Registration.

Tax Sale of Land for Tax Arrears by Public Tender

Municipal Tax Sale proceedings can begin once taxes have been in arrears for at least two years including the current tax year. The first step in the Municipal Tax Sale process requires the County to register a Tax Arrears Certificate on the title of the property.

The property owner has one year from the date of registration of a Tax Arrears Certificate on the title of the property to pay the cancellation price (which includes all of the taxes levied and outstanding, all accrued penalty/interest and costs). Failing to pay within that year, the Treasurer is required to proceed with a sale of the property through a public tender.

Property Assessment and MPAC

Returned Roll Assessment Lookup - MPAC

MPAC and Current Value Assessment (CVA) of your property

Current Value Assessment (CVA) is the method utilized by the Municipal Property Assessment Corporation (MPAC) to determine your property’s assessed value. It includes the analysis of the sales of comparable properties in your area, with review of factors which affect market value (location, lot size, living area, age of the property, major renovations, additions and quality of construction).

The CVA approach was implemented by the Ontario Government in 1998 with the goal of establishing consistent property assessment practices province wide.

All properties in Ontario are assessed and classified by MPAC which is an independent, not-for-profit Corporation funded by all Ontario Municipalities. MPAC is accountable to the Province, all municipalities and taxpayers. MPAC is guided by the Assessment Act and regulations which are set by the Government of Ontario.

Questions / concerns about your property’s assessment, contact MPAC at:
www.mpac.ca

Toll Free 1 866 296-6722
TTY 1 877 889-6722

Monday to Friday, 8am-5pm
PO Box 9808 Toronto ON M1S 5T9
Toll Free Fax 1 866 297-6703

Concerns with property assessment

There are several items to consider if you feel that your Current Value Assessment (CVA) is too high:

Ask yourself if you could sell your property for the value listed on your Property Assessment Notice? If the answer is yes, you should feel confident that your CVA is fair
Visit aboutmyproperty.ca to see other properties in your neighbourhood and compare their values to that of your property
Contact MPAC to review your Property Assessment Notice and your CVA.
If after considering these factors and speaking with MPAC representatives you determine that your CVA is too high, you will need to file a Request for Reconsideration (RFR) within 120 days of the issuance date printed on the property assessment notice. The issue date and the deadlines for filing RFR’s annually are listed on your Property Assessment Notice.
If you disagree with the outcome of decision of the RFR, you have the option to appeal to the Assessment Review Board. Information about appeals are located on MPAC’s website.
For more information, contact MPAC at 1-866-296-MPAC
www.mpac.ca

Please note if you appealing your assessment you should still continue to pay your taxes until you are notified of the outcome of your appeal. Once the County receives notification of the appeal decision the changes will be applied to your tax roll and any applicable refund will be issued. Amounts not paid prior to the approval of your appeal will be subject to penalty fees and interest charges.

Concerns about your taxes

Taxes higher than your neighbours?

Please visit aboutmyproperty.ca to learn more about your property, how it was assessed and how it compares to others in your neighbourhood. There is more information on this site for the property owner than what the Municipality can provide, so this is the best resource for answering your questions about your assessment. You will need the roll number and access key on your Property Assessment Notice. If you do not have this information, you can call the MPAC Customer Contact Centre at 1-866-296-6722 for assistance.

Property Tax Class Changed?

If your property Tax Class has changed from Farm/Residential to Residential this may be due to:

If you have not completed the necessary paperwork required by the Ontario Ministry of Agriculture, Food and Rural Affairs (OMAFRA) to confirm your eligibility, your assessment will be returned to Residential.
Any changes to the roll information including a name change, or adding an additional owner for a property classified as farm will cause the assessment to be changed from Farm to Residential and initiate a review of the property classification.
Please contact OMAFRA regarding your property’s assessment.
http://www.omafra.gov.on.ca/english/index.html
Toll Free: 1-877-424-1300
E-mail: ag.info.omafra@ontario.ca

Changing your school support

School support information is maintained by MPAC for every property in Ontario. The default designation according to Section 16(4) of the Assessment Act is English-Public unless otherwise requested by the owner or tenant.

The requirements for property owners to indicate their school support are outlined in Section 236 and 237 of the Education Act and more information is available on MPAC’S website. You can complete Application for Direction of School Support and forward it to MPAC for processing.

Please note that school support can only be changed annually when the official Property Tax Roll is provided by MPAC. It may take a full year to see your support changed for your property.

Building a new home?

If you have recently constructed a new home, it’s possible that you are making property tax payments based on the value of the land only.

MPAC is responsible for the assessment of all properties in Ontario, on which Property Taxes are based.
The County can only apply property taxes to the assessed value that we have on file.
We have no control over when we receive assessment value on a new property from MPAC, which can take up to several years.
Your home is taxable from the date that it was ready for occupancy.
While your property may not be fully assessed for up to three years, you will be responsible for the taxes that apply back to the occupancy date.

In order to prepare for the eventual tax bill, you can estimate the taxes on your new home and prepare for the Supplementary taxes which you will be responsible for.
To estimate the annual taxes on your new home, multiply the purchase price of the home (or approximate current selling price) by Property Tax rate for residential properties:

Example
Value of the Home in 2017: $350,000
Residential Tax Rate: 0.01272294
Multiply approximate value of home by current tax rate: $350,000 x .01277294
Estimated annual taxes payable: $4,471

Current taxes billed and paid on land value only :$75,000 x .01272294
Current Taxes: $ 955

Subtract the current amount from the estimated annual amount: $4,471 – $955
Estimated annual supplementary billed amount: $3,516

If you are currently only paying taxes on the land, you would owe approximately $3,516 in supplementary billed amounts on the property.
Remember that this amount is a rough estimate only. Amounts will vary based on actual assessment value and current year tax rates. It is recommended that you plan ahead to pay this amount, either in advance of receiving the supplementary bill or by setting the funds aside to pay the bill when you receive it.

Supplementary Tax Bill

You will receive a supplementary tax bill for one of the following reasons
House/Building Assessment
- Your new house has been built, when your purchased it you were only paying taxes on the land
- You recently had some renovations/improvements done to your house that may have increased its market value
Reclassification
- Your class of the whole or portion of your property assessment has changed

If you feel your property has been incorrectly assessed please contact MPAC for more information.

The information about your property assessment is provided to the Municipality by MPAC in order to bill any additional taxes that might be owing.

Supplementary bills are in addition to amounts already billed for property taxes and can apply to a maximum of three tax years
It is a one time billing with two instalment due dates, similar to regular tax bills
If you have received a supplementary bill and you are on a PAP plan for your taxes, your supplementary bill has not been included in this calculation
You will need to make separate payments for the supplementary bill according to the due dates provided

Supplementary Tax Billing Timelines
Supplementary tax bills are issued in the same manner as interim or final tax bills. Two instalments payable for the total taxes owing.

1st instalment is due approximately 30 days from the billing date
2nd instalment is due approximately 90 days from the billing date

Due dates will be the last working day of the applicable month based on the parameters described here.

Tax Capping Program

Tax Rebates

Seniors & Low Income Disabled Property Owners

Seniors or Low Income Disabled Property Owners can apply for a Deferral of the Local Taxes if they meet specific criteria.

Application for Seniors or Low Income Disabled Property Owners

There are two applications that can be filed based on very specific criteria:

A Section 357 Tax Appeal is filed due to a change of event that occurred during the current
taxation year. Refer to the application for specific criteria required. The deadline for submitting
an application is February 28th of the year following the taxation year to which the application
relates.

A Section 358 Tax Appeal is to cancel, reduce or refund taxes for one or both of the two years preceding the year in which the application is made. This appeal may be filed for any overcharge caused by a gross or manifest error in the preparation of the assessment roll that is clerical or factual in nature, including transposition of figures, a typographical error or similar errors, but not an error in judgment in assessing the property (example: garage removed in 2006 but MPAC continues to assess value for 2007 and 2008 in current year 2009).

The Assessment Reduction Application must be filed between March 01 and December 31 of a year and may apply to taxes levied for one or both of the two years preceding the year in which the application is made and the application shall indicate to which year or years it applies.

Charitable Organization Rebate

To apply for a Charitable Organization Rebate please include:

Proof of status as an eligible organization (letters patent or confirmation from Revenue Canada of charitable status)
Property taxes included in lease payments (net lease) or
Notice from landlord of additional payment required (gross lease)
(both above for taxes in the commercial/industrial tax classes only)

Applications will be accepted no later than the last day of February of the following year for tax rebates in the current year.

Tax Contact Information

Email: propertytaxes@haldimandcounty.on.ca
Phone: 905-318-5932, Monday- Friday 8:30-4:30 pm
Fax: 905-772-3542