@BanskoSJ
The property taxes is the big deal, I think. And some kind of foreclosure is a real possibility if you never pay. But it's not like the UK where you get into trouble within a few months of not coughing up your Council Tax. LIke you, I started to get worried, so I caught up with my Bansko taxes two summers ago... for 10 years worth. :-)
For water, there really aren't a lot of options. Most folks probably have VIK. And they'll find your account (I think) if you show them your Notary Act. But a photo of the water meter (with reading and meter number) would be sensible too. For our purchases, we've usually received the customer numbers for electricity and water at the time of the sale.
I'd say the best option is to do it in person on your next visit. But, just FYI, last year I tracked down VIK for my district (Stara Zagora) and found their customer service email. I sent them a nice email (in Bulgarian translated from English by Google) explaining that I didn't know how to pay the bill, and apologizing for the long delay. I included property location info, and attached photos of the meter reading and meter number. I was shocked when I got a very helpful email back a week later telling me my current debt, and how to pay it online. :-) Unfortunately, I can't see an email for VIK in Blagoevgrad, phone numbers only (so you'd need a Bulgarian or a translator to call for you).
As to Bansko, you're absolutely right. The place has scrubbed up nicely! :-) There's even a fancy new path/stream that joins the Old Town with the ski resort part, a new downtown Billa, and they've given the central park a facelift too (fancy outdoor gym and lake/fountain). The roads are far better, as they've improved access to the top of the mountain, and put a "ring road" on both sides. I love Bansko, and I'd be very happy living there year-round. And Bansko property prices are a fraction of what you'd pay to get something similar in another European ski/mountain resort. Even within Bulgaria, Bansko is pretty much unbeatable in terms of price/quality of life. As in, there are better cities like Sofia and Plovdiv, but you'd pay MUCH more... and there are similarly cheap places, but I'd be shocked if any expat would want to live there. :-)