Front of Yonge is a township of about 2,595 people in Leeds and Grenville. Real estate closings here run on one flat fee, taxes included, for a purchase, sale, or mortgage refinance, with signing handled by phone, email, and e-signature.
“As a first-time buyer, I knew exactly what to expect on closing day.”
D.P. · First-time buyer · Kingston
Shared with permission. Initials changed to protect client privacy.
Our charges include applicable taxes. 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 applicable taxes. Disbursements and Land Transfer Tax are extra, at cost, estimated in writing before you commit.
Purchase price aside, this is what a buyer in Front of Yonge sees on the closing statement: our fee, then the disbursements we estimate on your behalf, then the government taxes — each sourced and dated. We don't total these into one figure; disbursements vary by file and are itemized in your written quote.
| Line item | $600,000 | $900,000 | $1,200,000 |
|---|---|---|---|
| Our fee (flat, any price) — 13% HST included | $1,354.87 | $1,354.87 | $1,354.87 |
| Estimated disbursements — billed at cost, itemised in your written quote; they vary by file | |||
| Teranet search fees & disbursements (registrations, searches, bank fees) — estimate | $583.26 | $583.26 | $583.26 |
| Technology & file management — estimate | $332.05 | $332.05 | $332.05 |
| Title insurance (example premium, varies by insurer and price) | $513.80 | $805.40 | $1,097.00 |
| Government charges | |||
| Ontario land transfer tax | $8,475.00 | $14,475.00 | $20,475.00 |
| First-time buyer refunds, if you qualify | − up to $4,000 | − up to $4,000 | − up to $4,000 |
Disbursements vary by file and are itemized, estimated in writing, before any work begins — these lines are estimates, not quotes. Ontario refunds up to $4,000 of the land transfer tax for first-time buyers, applied by your lawyer at registration.
Sources: Ontario electronic land registration fee, 2026-09-17: ontario.ca (rises to $86.42 per instrument from 2026-11-02); TitlePLUS residential premium schedule, 2026-09-17: titleplus.ca; Ontario land transfer tax, 2026-09-17: ontario.ca.
See the full breakdown on our Ontario real estate lawyer fee guide or flat-fee pricing page.
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 — Front of Yonge, Ontario. Reproduced and distributed on an “as is” basis with the permission of Statistics Canada. Retrieved 2026-07-28.
| Authority | Cataraqui Region Conservation Authority |
|---|---|
| Head office | 2069 Battersea Road, Glenburnie ON, K0H 1S0 |
| Phone | 613-546-4228 |
| Website | cataraquiconservation.ca |
| Watershed area | 3,409 km² |
Development in a regulated area, and interference with a wetland or watercourse, are prohibited by section 28 of the Conservation Authorities Act without a permit under section 28.1, issued by the authority — not the municipality — under O. Reg. 41/24. Watershed boundaries follow drainage rather than municipal lines, so a property at the edge of Front of Yonge can fall under a neighbouring authority; confirm for the specific address.
Source: Conservation Ontario, Conservation Authority Boundaries (2023). Retrieved 2026-08-10.
The Front of Yonge-specific mechanics we handle on every file — so nothing surprises you at closing.
Front of Yonge doesn't have its own named land registry office in our system, so closings register electronically through ONLAND (Teraview), the standard system used for every electronic Ontario land transaction.
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.
Buyers closing in Front of Yonge pay Ontario's provincial land transfer tax; the township carries no municipal transfer tax of its own. StatCan counted 1,208 private dwellings in Front of Yonge in the 2021 Census, with 1,073 occupied by usual residents — a modest but active housing stock for a township this size. The area doesn't have its own named local land registry office in our system, so your file registers electronically through ONLAND (Teraview) like any other Ontario closing. We build the provincial LTT estimate, any rebates you may qualify for, and our flat legal fee into one closing cost breakdown before you sign anything.
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.
Selling in Front of Yonge follows the same legal steps as anywhere else in Ontario: we discharge the existing mortgage from title, respond to the buyer's requisitions, and calculate your net proceeds so funds are ready on closing day. Land transfer tax is the buyer's cost, not yours, so it won't appear on your statement of adjustments. We keep you posted at each stage of a Front of Yonge file so nothing catches you off guard near closing.
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 mortgages, refinances, and private mortgage registrations against Front of Yonge properties, all billed at the same flat, tax-included rate. We review the commitment letter, register the charge, and confirm the lender's closing conditions are met before funds release. New, refinance, or private — the fee and the process don't change.
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 an office nearby to close a Front of Yonge file with us. Document review, signing, and registration happen by phone, email, and e-signature, so distance from Mississauga doesn't slow anything down.
No. Front of Yonge buyers pay only Ontario's provincial land transfer tax — there's no additional municipal charge layered on for a property here.
The quoted flat fee includes applicable taxes. Government charges like the provincial land transfer tax and optional title insurance are itemized separately, so you can see exactly what's legal fee and what's a third-party or government cost.
StatCan's 2021 Census counted 1,208 private dwellings in the township, with 1,073 occupied by usual residents. It's a small file volume compared to a city, but the closing steps and paperwork are identical.
Most files close on the date already fixed in the agreement of purchase and sale. We start title review, mortgage instructions, and closing documents as soon as we're retained so that date holds.
Below are official government and land registry resources for Front of Yonge buyers and sellers who want to check the details themselves.
Sourced, dated municipal and provincial data for Front of Yonge — not legal advice, just the facts a closing touches.
Cataraqui Region Conservation Authority (613-546-4228, website). Development in a regulated area, or interference with a wetland or watercourse, needs a permit from the conservation authority — separate from municipal approvals — under section 28.1 of the Conservation Authorities Act.
Source: Conservation Ontario, Conservation Authority Boundaries (2023). Retrieved 2026-08-10.
The property-tax adjustment on the statement of adjustments doesn't set up a new tax account — it simply divides the current tax bill between buyer and seller as of closing day, crediting whichever side prepaid past their ownership. After closing, the municipality bills the new owner directly.
Ontario land transfer tax is the largest single line on most closing statements, and it is due in full on closing day. Enter a price to see the bracket-by-bracket calculation, the first-time buyer refund, and — where they apply — the Toronto municipal tax and the Non-Resident Speculation Tax. Full workings and the rate sources are on the land transfer tax calculator.
Open your Front of Yonge file in minutes — hear from your lawyer tomorrow.