James Township, in the Timiskaming census division, is home to roughly 348 people. A handful of real estate files close here each year, and each one gets the same flat, HST-included fee and phone-and-email process as a file in any larger Ontario city.
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 — James, Ontario. Reproduced and distributed on an “as is” basis with the permission of Statistics Canada. Retrieved 2026-07-28.
The James-specific mechanics we handle on every file — so nothing surprises you at closing.
James Township title work goes through the Timiskaming Land Registry Office, LRO #54, with filing handled via Ontario's ONLAND system. Because registration is already electronic, review, signing, and closing run by phone, email, and e-signature.
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.
James Township buyers pay Ontario's provincial land transfer tax without a second, municipal-level tax stacked on top — that extra charge is unique to Toronto and doesn't reach a township like James. We factor the provincial LTT into your closing cost estimate right away and note any first-time buyer rebate that might apply to your purchase. StatCan's 2021 census recorded 224 total private dwellings in James Township, with 181 occupied by their usual residents. Occupied residence or otherwise, the same fee and the same review process apply to your closing.
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 James Township means the usual Ontario process: discharging any existing mortgage from title, responding to the buyer's requisitions, and calculating and releasing your net proceeds once funds are received on closing. Land transfer tax is charged to the buyer, not you, so it has no bearing on your net amount as seller. We give you status updates at each stage so closing week isn't the first time you hear from us.
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.
New purchase mortgages, refinances, and private mortgages registered against title in James Township are all handled through our Mortgage service for one flat, HST-included fee. We work through the lender's commitment letter, register the charge properly, and verify your closing conditions are satisfied before funding day. The fee is consistent whether it's a new mortgage, a refinance, or a private arrangement.
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.
We do. James Township files follow the same flat-fee process and phone-and-e-signature closing as any other Ontario file, regardless of how few transactions the township sees in a year.
No. Toronto is the only Ontario municipality that charges an additional municipal land transfer tax; James Township buyers pay the provincial tax alone.
The flat fee covers our legal work and includes HST. Land transfer tax, registration costs, and optional title insurance are itemized separately at cost.
James Township registers under the Timiskaming Land Registry Office (LRO #54), with electronic ONLAND filing included in your flat fee.
Most files hold to the agreed date. We start title review, mortgage instructions, and closing documents right after retainer to keep the timeline on track.
The following are official government and land registry sources for James Township buyers and sellers who'd like to verify these figures themselves.
Open your James file in minutes — hear from your lawyer tomorrow.