Unusual zoning prevents woman from financing home

A Campbell River woman has been refused insurance and financing on her home because of an unusual zoning bylaw on her residential property

A Campbell River woman has been refused insurance and financing on her home because of an unusual zoning bylaw on her residential property.

Gitta Kruse said her home on the Island Highway, next door to the Anchor Inn, sits on property that is zoned for commercial use.

She said the problems started when the city re-zoned her property from Commercial-5 (C-5) to Commercial-6 (C-6).

“In 2007 they changed the zoning on my property without my knowing,” Kruse said. “In 2010 I was going to do some re-financing and I found out it was a C-6. The banks refuse to re-finance me for anything as long as it’s a C-6. And recently my home insurance people have refused to insure me, also because it’s a C-6.”

Kruse said when she purchased her home the property was zoned C-5 but it was then re-zoned without her knowledge. Now she’s trying to sell her home but with little luck.

“I actually had an offer on the house and they went to get financing and they couldn’t get financing either, so I’m kinda frozen,” said Kruse, who feels she’s being forced into leaving her home.

“I’d prefer to stay there but I can’t get financing to re-finance my mortgage. If it doesn’t get changed, I’ll have to leave Campbell River.”

City Manager Andy Laidlaw said Kruse’s property was changed from residential to commercial sometime between 1949 and 1998.

He said the re-zoning from C-5 to C-6 in 2007 should have no effect on Kruse’s property as the activities allowed under both zonings are virtually the same. C-5 zonings allow for a retail store, hotel/motel, or other licensed facility.

With a C-6 zoning, acceptable uses are a retail store, hotel/motel, licensed facility, neighbourhood pub, or seasonal recreational facility. The change to a commercial zoning would have happened during a re-zone of the entire community, to match other properties in the area.

“There’s very little difference, it would not affect the issue being addressed here,” Laidlaw said. “The zoning changed from C-5 to C-6 under the change of a bylaw so the use and description of activities allowed under those zones would not have affected your property.”

Kruse disagreed.

“There may not be any difference to you guys in this zoning but the banks refuse to give money on a C-6 zoning,” she said.

“They refuse to finance anything on a C-6 unless you’re a commercial business and I’m residential. For some reason the whole world hates C-6.”

Laidlaw suggested Kruse meet with him to sort out the problem.

“We’re prepared to abdicate on (her) behalf to the bank,” Laidlaw said.

“We’re prepared to meet with her and bring in the resources needed to deal with her problem.”

Just Posted

Gathering Place is the Campbell River Hospital’s space for quiet reflection and ceremony

TimberWest donation supports this is all-inclusive, non-denominational space

City of Campbell River backs effort to increase emergency medical funding, policy changes

Increasing resources to improve medical response would be made up for in other savings

Human remains found near Campbell River

Human remains were found in a rural area outside Campbell River, RCMP… Continue reading

BC Hydro warns of upcoming Canyon View Trail closures

BC Hydro is advising of two rounds of Canyon View Trail closures… Continue reading

Adopted pet pig gets killed and eaten

Animal was adopted out by SPCA staff in the Cowichan Valley

Therapy dogs make appearance at B.C. Games

The St. John’s Ambulance therapy dog program launches a pilot project at the 2018 Kamloops B.C. Winter Games

Sticking the landing at the B.C. Games

Gymnasts talk competition, B.C. Winter Games, and teamwork in Kamloops

$153M in federal cash to fund child care, education training in B.C.

Bilateral agreement will create 1,370 new infant and toddler spaces

A B.C. woman talks her life in the sex trade

A view into the life from one Kelowna prostitute and the issues it can cause for women

Twitter feed prays for — instead of preying on — B.C. MLAs

Non-partisan Christian group wants to support politicians through personalized prayer

Hundreds march for justice in death of Winnipeg teen

Tina Fontaine was pulled from a river in 2014, her body wrapped in a blanket and weighed down by rocks

Maritimes want their own CFL team

Their biggest hurdle is getting a stadium commitment in place

Former Island hockey player dies suddenly in Costa Rica

Well known and popular former hockey and lacrosse player dies in accident while travelling

Most Read