St.-Charles is a municipality of 1,357 people in the Sudbury census division. Whether your file is here or in a much larger city, our process is identical: a flat, HST-included fee, closed out by phone, email, and e-signature.
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 — St.-Charles, Ontario. Reproduced and distributed on an “as is” basis with the permission of Statistics Canada. Retrieved 2026-07-28.
The St.-Charles-specific mechanics we handle on every file — so nothing surprises you at closing.
St.-Charles properties register at Sudbury Land Registry Office #53. Filing is submitted electronically to ONLAND, the province's registration system, which lines up directly with a legal process we run entirely online.
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.
Buyers closing on a St.-Charles property owe Ontario's provincial land transfer tax and nothing more — there's no municipal land transfer tax added locally. We include that provincial LTT calculation in your closing cost breakdown up front and flag any rebate you might qualify for. The 2021 census put St.-Charles at 1,357 residents, with 788 total private dwellings and 621 occupied by usual residents. The flat-fee process applies equally regardless of which of those homes you're purchasing.
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 a home in St.-Charles means we review title, discharge your existing mortgage or other registered charge, respond to the buyer's requisitions, and release your net proceeds once closing funds have cleared. Land transfer tax is a cost the buyer carries, not the seller, so it never appears on your side of the ledger. Expect plain, timely updates as your file moves toward closing.
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 covers new purchase mortgages, refinances, and private mortgage registrations against St.-Charles properties, all for the same flat, HST-included fee. We review the lender's commitment letter against your file, prepare and register the charge, and confirm every condition is met before funds are released. The fee holds regardless of loan type.
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.
You don't need an office nearby in St.-Charles to work with us — document review, signing, and closing are all handled by phone, email, and e-signature.
No. St.-Charles buyers pay Ontario's provincial land transfer tax only; Toronto is currently the single Ontario municipality that adds its own land transfer tax on top.
HST is built into the flat fee we quote. Government charges like the provincial land transfer tax, plus optional title insurance, are itemized separately so you can see the full picture.
Sudbury Land Registry Office #53, with electronic filing through ONLAND handled as part of our flat fee.
That's what we aim for. We begin title review, mortgage instructions, and closing documents right after you retain us, so the date set in your purchase agreement has the best chance of standing.
Below are official government and land registry resources for St.-Charles buyers and sellers who want to look into the details independently.
Open your St.-Charles file in minutes — hear from your lawyer tomorrow.