Charlton and Dack is a municipality of 686 residents in the Timiskaming District, and a file here closes on the same flat fee and fully online process we use across Ontario. One price is set before you sign anything, HST already folded in.
Our charges include HST. Disbursements and, on a purchase, Land Transfer Tax are extra and billed at cost — itemized upfront, in writing, never hidden.
Prices are “our charges” and include HST. Disbursements and Land Transfer Tax are extra, at cost, estimated in writing before you commit.
Every figure is from Statistics Canada’s 2021 Census of Population — real published data, current until the 2026 Census releases (2027).
Source: Statistics Canada, 2021 Census of Population, Census Profile — Charlton and Dack, Ontario. Reproduced and distributed on an “as is” basis with the permission of Statistics Canada. Retrieved 2026-07-28.
The Charlton and Dack-specific mechanics we handle on every file — so nothing surprises you at closing.
Charlton and Dack sits in the Timiskaming Land Registry Office's jurisdiction (LRO #54); registration is filed electronically, matching how we handle every Ontario file — by phone, email, and e-signature, with no in-person appointment required.
You don’t “set up” property tax — we prorate it. The statement of adjustments credits whoever prepaid; after closing, the municipality bills you directly and you can enrol in pre-authorized payments.
ID verification, document review, and signing happen online — no office visit needed. In-person signings remain available across the province if you prefer.
Buying in Charlton and Dack means paying Ontario's provincial land transfer tax — there's no separate municipal land transfer tax layered on top, since that only exists in Toronto. Our flat purchase fee is $1,354.87, HST included; disbursements and the land transfer tax itself are extra, billed at cost and itemized on your statement. Charlton and Dack counted 280 private dwellings in the 2021 census, with 261 occupied by usual residents — a small housing stock, but the closing steps are identical to a file in a much larger municipality. We quote the fee before you commit and hold to it.
Financing, inspection, status certificate — your offer’s conditions are legal protections, and waiving them is a legal decision. We review before you sign and flag the risks in plain language.
Buying pre-construction or an assignment carries its own tax and disclosure rules — ask us before you commit so nothing catches you at closing.
When you sell in Charlton and Dack, we pull your existing mortgage discharge, respond to the buyer's lawyer's requisitions on title, and release your net proceeds promptly once funds and registration confirm on closing day. Our flat selling fee is $1,241.87, HST included, with disbursements billed separately at cost. Land transfer tax is a buyer's obligation, not a seller's, so it has no bearing on your file. You'll get plain-language updates at each stage rather than legal jargon.
Sellers don’t pay LTT. Your closing costs are the legal fee, discharge-related disbursements, and any mortgage payout penalties your lender sets.
We obtain your mortgage discharge statement, answer the buyer’s requisitions, and prorate taxes and utilities on the statement of adjustments.
Funds are wired the day of closing where possible. Selling a condo? We coordinate the status certificate the buyer’s lawyer will request.
Our Mortgage service covers new purchase-money mortgages, refinances, and private mortgage registrations against Charlton and Dack property, all at one flat fee of $1,241.87, HST included. We review your lender's commitment letter, prepare and register the charge, and confirm every condition is satisfied before funds release. The same fee applies whether it's a first mortgage, a refinance, or a private loan between individuals.
A new charge on a home you already own. We handle the lender’s requirements and register it — one flat fee.
Switching lenders or borrowing more? We manage the payout and discharge of your old mortgage and register the new one.
Borrowing from or lending to a private party. We paper it properly, register the charge, and protect your interests.
You don't need a law office in Charlton and Dack to get a Charlton and Dack closing done properly. We work the file by phone, email, and e-signature from document review through to registration.
No. Toronto is currently the only Ontario municipality with an added municipal land transfer tax; buyers in Charlton and Dack pay the provincial tax only.
The flat fee covers our legal work and includes HST. Land transfer tax, title insurance if you choose it, and other disbursements are separate, at cost, and shown on your statement before closing.
Charlton and Dack registrations go through the Timiskaming Land Registry Office, LRO #54, filed electronically through the province's registration system.
Yes. A municipality of 686 people gets the identical checklist and flat fee as a file in Toronto or Ottawa — small-town closings aren't shortcut here.
Below are official government and land registry resources for Charlton and Dack buyers and sellers who'd like to verify these details on their own.
Open your Charlton and Dack file in minutes — hear from your lawyer tomorrow.