Limerick Township, a lower-tier municipality within Hastings County, had a population of 436 in the 2021 census. Its cottage-heavy geography doesn't change our process: a flat fee, taxes included, closed by phone, email, and e-signature, same as any Ontario file.
“The condo I bought had a pending special assessment, and I was glad it was flagged and explained before I closed rather than after.”
J.Y. · Condo purchase · Belleville
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 Limerick 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 — Limerick, Ontario. Reproduced and distributed on an “as is” basis with the permission of Statistics Canada. Retrieved 2026-07-28.
| Authority | Crowe Valley Conservation Authority |
|---|---|
| Head office | 70 Hughes Lane, Box 416, Marmora, ON, K0K 2M0 |
| Phone | 613-472-3137 |
| Website | crowevalley.com |
| Watershed area | 2,007 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 Limerick can fall under a neighbouring authority; confirm for the specific address.
Source: Conservation Ontario, Conservation Authority Boundaries (2023). Retrieved 2026-08-10.
The Limerick-specific mechanics we handle on every file — so nothing surprises you at closing.
Limerick properties register under the Hastings Land Registry Office, LRO #21, with filing completed electronically through ONLAND, regardless of whether the property is a full-time residence or a seasonal cottage.
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 Limerick means paying Ontario's provincial land transfer tax alone, since municipal land transfer tax is a rule specific to Toronto and irrelevant anywhere in Hastings County. The 2021 census recorded 533 total private dwellings in Limerick against just 206 occupied by usual residents — a large gap consistent with a township known for cottage and waterfront properties used seasonally; we report the StatCan figures as published, without speculating further. A Limerick purchase closes for a flat $1,354.87, taxes included, covering title search and closing coordination, with land transfer tax and disbursements itemized separately at their actual cost.
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.
On a Limerick sale, we discharge any existing mortgage, respond to the buyer's requisitions, and release your proceeds once closing funds are confirmed — a flat $1,241.87, taxes included, whether the property is a year-round home or a seasonal cottage. Land transfer tax is a buyer's cost only, never a seller's, so it has no bearing on your statement. We'll keep you informed clearly at every stage.
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 mortgage registrations on Limerick properties are handled through our Mortgage service for a flat $1,241.87, taxes included. We check the lender's commitment letter against the real numbers, register the charge, and confirm conditions are cleared so funds are ready on schedule.
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.
Yes — cottage and year-round Limerick properties both go through the same process with us: review, signing, and closing handled by phone, email, and e-signature.
No. That extra tax exists only in Toronto. Limerick buyers pay Ontario's provincial land transfer tax and that's the complete LTT obligation.
Land transfer tax, disbursements, and optional title insurance are all itemized separately at cost — the flat fee itself is strictly legal work, taxes included.
The Hastings Land Registry Office, LRO #21, with electronic registration through ONLAND handled as part of your file.
It is for this area. Limerick's 2021 figures show 533 total private dwellings but only 206 occupied by usual residents, consistent with a township with significant cottage and seasonal-use property.
Official government and land registry resources for Limerick Township are linked below for buyers, sellers, and cottage owners who want to verify the details.
Sourced, dated municipal and provincial data for Limerick — not legal advice, just the facts a closing touches.
Crowe Valley Conservation Authority (613-472-3137, 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 Limerick file in minutes — hear from your lawyer tomorrow.