In Tay Valley, buying, selling, or refinancing a home can be handled entirely online with Treadstone Law — one flat fee, HST included, and no office visit required. Government costs are always shown separately so the total stays transparent.
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 — Tay Valley, Ontario. Reproduced and distributed on an “as is” basis with the permission of Statistics Canada. Retrieved 2026-07-28.
The Tay Valley-specific mechanics we handle on every file — so nothing surprises you at closing.
Tay Valley properties are registered in the Lanark Land Registry Office, LRO #27. Filings go in electronically instead of over a counter, which is why our online closing process suits properties here.
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.
Tay Valley buyers owe Ontario's provincial land transfer tax and no municipal equivalent, since a municipal transfer tax exists only in Toronto across the whole province. We include a provincial LTT estimate in your closing cost breakdown ahead of time and note any rebate you might be entitled to. Tay Valley's 2021 population was about 5,925, and StatCan recorded roughly 3,750 total private dwellings against about 2,419 occupied by usual residents, a gap StatCan attributes to seasonal and recreational use rather than something we can speak to further. Our flat purchase fee is $1,354.87, HST included, with disbursements and land transfer tax billed 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.
Selling in Tay Valley, our office discharges your existing mortgage from title, handles requisitions raised by the buyer's lawyer, and finalizes your statement of adjustments so proceeds are available at closing. Land transfer tax is a cost the buyer bears, not the seller, so it won't show up on your file. The flat sale fee is $1,241.87, HST included, disbursements itemized separately.
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 manages new purchase mortgages, refinances, and private mortgage registrations for Tay Valley properties, all for a flat $1,241.87, HST included. We review the lender's commitment letter, prepare the charge for registration, and make sure 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 operate a branch office in Tay Valley, but we regularly close files there — document review, signing, and fund transfers are all done online.
No. Buyers pay only Ontario's provincial land transfer tax here; the municipal version is unique to Toronto.
It includes all of our legal work, HST included. Land transfer tax, optional title insurance, and similar government or third-party charges are itemized on their own, apart from that fee.
The Lanark Land Registry Office, LRO #27, covers Tay Valley, with registration filed electronically.
StatCan's 2021 census recorded about 3,750 total private dwellings against roughly 2,419 occupied by usual residents, a difference the agency attributes to seasonal and recreational properties.
The resources below are official Ontario and land registry sources for Tay Valley buyers and sellers who'd like to confirm the details themselves.
Open your Tay Valley file in minutes — hear from your lawyer tomorrow.