North Frontenac, in the Frontenac census division, has a permanent population of about 2,285 — but StatCan recorded 2,798 private dwellings township-wide, well above the 1,131 occupied by usual residents. Cottage or full-time home, closings here run on one flat, tax-included 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.
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 North Frontenac 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 — North Frontenac, Ontario. Reproduced and distributed on an “as is” basis with the permission of Statistics Canada. Retrieved 2026-07-28.
| Authority | Mississippi Valley Conservation |
|---|---|
| Head office | 10970 Highway 7, Carleton Place, ON, K7C 3P1 |
| Phone | 613-253-0006 |
| Website | mvc.on.ca |
| Watershed area | 4,345 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 North Frontenac can fall under a neighbouring authority; confirm for the specific address.
Source: Conservation Ontario, Conservation Authority Boundaries (2023). Retrieved 2026-08-10.
The North Frontenac-specific mechanics we handle on every file — so nothing surprises you at closing.
Closings on North Frontenac real estate, cottage or year-round, register at the Frontenac Land Registry Office (LRO #13) electronically through ONLAND (Teraview).
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.
North Frontenac buyers owe Ontario's provincial land transfer tax only; the township has no municipal transfer tax of its own. The gap between the 2,798 total private dwellings and 1,131 occupied by usual residents, both from the 2021 Census, reflects how much of the township's housing is seasonal rather than year-round. Your file registers at the Frontenac Land Registry Office (LRO #13), submitted electronically through ONLAND. Before you sign, we combine the provincial LTT estimate, any rebate you qualify for, and our flat legal fee into one upfront figure — whether the property is a cottage or a permanent residence.
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 North Frontenac, whether it's a cottage or a house, follows the same Ontario process: discharging the existing mortgage, handling the buyer's requisitions, and releasing your net proceeds on closing. Land transfer tax is charged to the buyer, so it won't show up on your statement of adjustments. We keep you posted through each stage, cottage transactions included.
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.
Our Mortgage service registers new purchase mortgages, refinances, and private mortgages against North Frontenac properties — seasonal or year-round — for one flat, tax-included fee. We check the commitment letter, register the charge at the Frontenac Land Registry Office, and confirm the lender's closing conditions are satisfied. Cottage or standard residential financing, the process doesn't change.
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. You don't need to find a nearby office — our review, signing, and closing steps happen by phone, email, and e-signature.
No. Buyers pay Ontario's provincial land transfer tax only; there's no municipal charge added on top in North Frontenac.
The fee we quote includes applicable taxes. Government charges like the provincial land transfer tax and optional title insurance are itemized on their own line.
StatCan's 2021 Census counted 2,798 total private dwellings against 1,131 occupied by usual residents. We report those figures as published — we don't speculate on which specific properties sit vacant.
In most cases, yes. We start title review, mortgage instructions, and closing documents right after we're retained.
Below are official government and land registry resources for North Frontenac buyers and sellers, cottage owners included, who want to check the details themselves.
Sourced, dated municipal and provincial data for North Frontenac — not legal advice, just the facts a closing touches.
Mississippi Valley Conservation (613-253-0006, 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 North Frontenac file in minutes — hear from your lawyer tomorrow.