Frontenac County is four municipalities north of Kingston, and South Frontenac is by far the largest of them, with Central Frontenac, North Frontenac, and Frontenac Islands considerably smaller and more rural. Treadstone Law closes files across all four for the same flat fee.
“I had never bought a home before and had no idea what to expect, so I appreciated getting a plain-language rundown of every document before I signed anything.”
A.H. · First-time buyer · Kingston
Shared with permission. Initials changed to protect client privacy.
Frontenac County's four municipalities are uneven in size — South Frontenac's population runs into the twenty thousands, while Central Frontenac, North Frontenac, and Frontenac Islands are each in the low thousands. Treadstone Law's pricing doesn't move with that gap: $1,354.87 flat for a purchase, $1,241.87 for a sale, $1,241.87 for a mortgage refinance, taxes included, land transfer tax and disbursements billed separately at cost. A cottage closing in North Frontenac and a subdivision closing in South Frontenac follow the same document steps.
South Frontenac · Central Frontenac · North Frontenac · Frontenac Islands
The same transparent pricing everywhere in Ontario — no city surcharges, no estimates.
$1,354.87
Flat, taxes included. Disbursements & Land Transfer Tax extra, at cost.
How buying works →$1,241.87
Flat, taxes included. New mortgages, refinances & private lending.
How it works →Purchase price aside, this is what a buyer in Frontenac County 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.
A real estate lawyer's Ontario licence covers the whole province, so Frontenac County — South Frontenac, Central Frontenac, North Frontenac, and Frontenac Islands alike — doesn't require a lawyer physically inside any one of them.
$1,354.87, taxes included, the same figure across all four Frontenac County municipalities; land transfer tax and disbursements are extra and billed at cost.
Central Frontenac, Frontenac Islands, North Frontenac, and South Frontenac make up the county's four lower-tier municipalities.
No — the flat purchase, sale, and refinance fees and the closing process are the same across every Frontenac County municipality regardless of population.
Development in a regulated area, and interference with a wetland or watercourse, require a permit under section 28.1 of the Conservation Authorities Act, issued by the conservation authority rather than the municipality under O. Reg. 41/24. Watersheds do not follow municipal lines, and Frontenac County is reached by 4 watershed authorities — which one applies depends on where the property drains.
| Authority | Phone | Website |
|---|---|---|
| Cataraqui Region Conservation Authority | 613-546-4228 | cataraquiconservation.ca |
| Mississippi Valley Conservation | 613-253-0006 | mvc.on.ca |
| Quinte Conservation | 613-968-3434 | quinteconservation.ca |
| Rideau Valley Conservation Authority | 613-692-3571 | rvca.ca |
Authorities whose administrative area intersects Frontenac County. Source: Conservation Ontario, Conservation Authority Boundaries (2023); confirm the authority for a specific address with Find a Conservation Authority. Retrieved 2026-08-10.
Sourced, dated municipal and provincial data for Frontenac County — not legal advice, just the facts a closing touches.
4 authorities cover this county/region: Cataraqui Region Conservation Authority, Mississippi Valley Conservation, Quinte Conservation, Rideau Valley Conservation Authority — which one applies depends on where the property drains. 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.
Deals for Frontenac County register at the Frontenac Land Registry Office (LRO #13), filed electronically through ONLAND.
Source: Ontario, Land registry offices (LRO) directory. Retrieved 2026-09-17.
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.
One flat fee for closings across Frontenac County, from South Frontenac to the smaller northern townships. Reach out to start your file.