Petrolia real estate closings, purchases, sales, and mortgage refinances alike, run through Treadstone Law online for a single flat, tax-included fee. Government charges are always broken out separately, so your cost summary is never a mystery.
“Downsizing after decades in the same house was emotional enough without worrying about the legal side, and that part went smoothly.”
M.O. · Downsizing sale · London
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 Petrolia 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 — Petrolia, Ontario. Reproduced and distributed on an “as is” basis with the permission of Statistics Canada. Retrieved 2026-07-28.
| Authority | St. Clair Region Conservation Authority |
|---|---|
| Head office | 205 Mill Pond Crescent, Strathroy, ON, N7G 3P9 |
| Phone | 519-245-3710 |
| Website | scrca.on.ca |
| Watershed area | 4,141 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 Petrolia can fall under a neighbouring authority; confirm for the specific address.
Source: Conservation Ontario, Conservation Authority Boundaries (2023). Retrieved 2026-08-10.
The Petrolia-specific mechanics we handle on every file — so nothing surprises you at closing.
Petrolia is registered within the Lambton Land Registry Office, LRO #25. Filing happens electronically rather than through an in-person visit, matching how our online closing process operates for this town.
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 a home in Petrolia means paying Ontario's provincial land transfer tax, with no municipal add-on tax layered in — that extra tax exists only in Toronto among Ontario's municipalities. We estimate your provincial LTT before your file even opens and let you know about any rebate you might be eligible for. Petrolia's population was about 6,013 as of the 2021 census, with roughly 2,524 total private dwellings, about 2,460 of which were occupied by usual residents. The flat purchase fee is $1,354.87, taxes included, with the land transfer tax and disbursements billed separately at 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.
When you sell in Petrolia, we take care of discharging your existing mortgage from title, replying to the buyer's requisitions, and preparing the statement of adjustments so your proceeds are ready to release at closing. Land transfer tax is paid by buyers, so it has no effect on a seller's costs. Our flat sale fee is $1,241.87, taxes included, with disbursements itemized on your final statement.
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.
Petrolia purchase mortgages, refinances, and private mortgage registrations are all handled through our Mortgage service for one flat fee of $1,241.87, taxes included. We review your lender's commitment letter, prepare the charge for registration, and confirm any closing conditions are satisfied before funds are released.
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.
We don't keep a physical office in Petrolia, but our team closes files there regularly, reviewing documents, arranging signatures, and transferring funds entirely by phone and secure portal.
No. Petrolia buyers pay the provincial land transfer tax only; a separate municipal tax applies solely in Toronto, nowhere else in the province.
No. The flat fee is our entire legal charge, taxes included. Government and third-party costs, like land transfer tax and optional title insurance, are always itemized as their own separate amounts.
Petrolia falls under the Lambton Land Registry Office, LRO #25, and registration is filed electronically.
The 2021 census counted about 2,524 total private dwellings in Petrolia, with roughly 2,460 occupied by usual residents at that time.
Below are official government and land registry links for Petrolia buyers and sellers who want to review the source figures and rules on their own.
Sourced, dated municipal and provincial data for Petrolia — not legal advice, just the facts a closing touches.
St. Clair Region Conservation Authority (519-245-3710, 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 Petrolia file in minutes — hear from your lawyer tomorrow.