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, HST-included fee.
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 — North Frontenac, Ontario. Reproduced and distributed on an “as is” basis with the permission of Statistics Canada. Retrieved 2026-07-28.
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, HST-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 HST. 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.
Open your North Frontenac file in minutes — hear from your lawyer tomorrow.