Middlesex County's eight municipalities range from growing Strathroy-Caradoc down to the village of Newbury, and closings in all of them run through the same flat fee, quoted before you sign, no matter which one the property sits in.
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Strathroy-Caradoc, Middlesex Centre, and Thames Centre are the three larger municipalities inside Middlesex County, sitting alongside smaller ones like North Middlesex, Southwest Middlesex, Lucan Biddulph, Adelaide Metcalfe, and Newbury — eight in total. That mix of sizable and smaller municipalities doesn't change how a file is priced: purchases are $1,354.87, sales $1,241.87, refinances $1,241.87, each flat and taxes included, disbursements and land transfer tax billed on top at cost.
Strathroy-Caradoc · Middlesex Centre · Thames Centre · North Middlesex · Southwest Middlesex · Lucan Biddulph · Adelaide Metcalfe · Newbury
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 Middlesex 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.
Files across all eight Middlesex County municipalities go through the same document-upload, e-signature, and call-based process, so it doesn't matter which township or municipality the property is in.
No. The flat fee applies equally whether the file is in the larger municipalities or the smaller ones like Newbury or Adelaide Metcalfe.
Purchases run $1,354.87 and sales or refinances run $1,241.87, both flat with taxes included. Disbursements and land transfer tax are extra, at cost, and shown separately on your statement of adjustments.
No — every municipality in Middlesex County is subject to the provincial land transfer tax only, unlike Toronto's added municipal tax.
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 Middlesex County is reached by 5 watershed authorities — which one applies depends on where the property drains.
| Authority | Phone | Website |
|---|---|---|
| Ausable Bayfield Conservation Authority | 519-235-2610 | abca.ca |
| Kettle Creek Conservation Authority | 519-631-1270 | kettlecreekconservation.on.ca |
| Lower Thames Valley Conservation Authority | 519-354-7310 | lowerthames-conservation.on.ca |
| St. Clair Region Conservation Authority | 519-245-3710 | scrca.on.ca |
| Upper Thames River Conservation Authority | 519-451-2800 | thamesriver.on.ca |
Authorities whose administrative area intersects Middlesex 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 Middlesex County — not legal advice, just the facts a closing touches.
5 authorities cover this county/region: Ausable Bayfield Conservation Authority, Kettle Creek Conservation Authority, Lower Thames Valley Conservation Authority, St. Clair Region Conservation Authority, Upper Thames River 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.
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.
Eight Middlesex County municipalities, one flat fee for every closing. Start your file today and see the exact number upfront.