Lennox and Addington County is compact — just four municipalities — and every closing inside it runs on the same flat fee, set before your file opens, handled through document upload, e-signature, and a call.
“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.
Only four municipalities make up Lennox and Addington County: Loyalist and Greater Napanee, close in size to each other, plus Stone Mills and Addington Highlands. With fewer municipalities than most counties, the pricing is easy to state plainly — the same fee whether the file is in Loyalist or in the smaller township of Addington Highlands. Purchases are $1,354.87, sales $1,241.87, refinances $1,241.87, flat and taxes included, disbursements and land transfer tax charged separately at cost.
Loyalist · Greater Napanee · Stone Mills · Addington Highlands
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 Lennox and Addington 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.
Closings across all four Lennox and Addington municipalities are handled the same way, through upload, e-signature, and phone or video, so an in-person office isn't part of the process.
No. The flat fee stays the same across all four municipalities in the county, regardless of size or location.
$1,354.87 for a purchase and $1,241.87 for a sale or refinance, both flat with taxes included. Disbursements and land transfer tax are billed separately at cost and itemized on the statement of adjustments.
No. Properties in Lennox and Addington are subject to the provincial land transfer tax only, with no municipal add-on.
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 Lennox And Addington County is reached by 3 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 |
Authorities whose administrative area intersects Lennox And Addington 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 Lennox and Addington County — not legal advice, just the facts a closing touches.
3 authorities cover this county/region: Cataraqui Region Conservation Authority, Mississippi Valley Conservation, Quinte Conservation — 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.
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.
Four Lennox and Addington municipalities, one flat fee for every closing. Start your file and see the price upfront today.