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$750,000
3 Beds 3 Baths 1028841 MLS
An extraordinary opportunity to build your dream waterfront home on the shores of beautiful Lake Mahopac. Offering direct lake frontage with breathtaking water views, this rare property combines the excitement of new construction with the value of significant existing improvements already in place. The property features a usable existing foundation from the previous 2,500+ square foot home with an attached garage, along with municipal water and an existing septic system—providing an exceptional starting point for your custom lakefront residence. One of the property's most coveted features is the grandfathered boathouse and private dock, an increasingly rare amenity that offers immediate access to boating, fishing, kayaking, paddleboarding, and everything Lake Mahopac has to offer. Positioned on the desirable west side of the lake, the property enjoys beautiful sunrise views reflecting across the water and a front-row seat to the peaceful beauty of lakefront living. Whether you're relaxing by the shoreline, entertaining on the dock, or launching your boat for an afternoon on the water, this is a setting designed to be enjoyed year-round. At approximately 0.14 acres, this is a truly unique chance to create a custom waterfront retreat in one of the Hudson Valley's most sought-after lake communities. Waterfront building opportunities with an existing foundation, grandfathered boathouse, private dock, municipal water, septic, and spectacular lake views are exceptionally rare. Bring your architect, your builder, and your vision—and create the lakefront home you've always imagined.

68 W Lake Boulevard, Mahopac

$750,000
3 Beds 3 Baths 1022214 MLS
Welcome to this beautifully maintained and thoughtfully updated single-family home in the heart of Carmel, offering 3 bedrooms, 3 full bathrooms, and an incredibly versatile layout designed to fit today's lifestyle. With breathtaking reservoir and mountain views, exceptional curb appeal, and countless upgrades, this one-of-a-kind home is truly unlike anything else on the market. The spacious primary suite is a private retreat featuring a luxurious ensuite bathroom with a jacuzzi tub, oversized double shower, dual-sink vanity, and two large walk-in closets. Step outside onto your private front balcony and enjoy peaceful reservoir and mountain views, the perfect place to enjoy your morning coffee or unwind at the end of the day. The main level also features a second bedroom, an additional full bathroom, and a separate kitchenette, providing outstanding flexibility for extended family, guests, or multi-generational living. The beautifully renovated eat-in kitchen serves as the heart of the home, complete with granite countertops, a large center island, double oven, coffee station, wine rack, oversized pull-out spice cabinet, and generous pantry. The open-concept dining area flows effortlessly into the kitchen, making entertaining a breeze. The welcoming living room, highlighted by an electric fireplace, creates a warm and inviting atmosphere, while the oversized family room provides exceptional space for gatherings of any size, offering endless possibilities for entertaining, relaxing, and everyday living. The second floor offers a private third bedroom, a full bathroom, and a large bonus room currently used as a playroom, making it an ideal retreat for guests, a home office, hobby room, or additional living space. The finished lower level adds even more versatility with a spacious recreation area, private office, utility room, abundant storage, and direct access to the attached one-car garage. Whether you envision a home gym, media room, workshop, or additional recreational space, this level offers endless possibilities. This meticulously cared-for home is loaded with premium features, including Anderson windows, hardwood floors, central air conditioning, central vacuum, radiant heated floors in two bathrooms, skylights, energy-efficient LED lighting, freshly painted interiors, refaced kitchen cabinetry, four-zone heating, a new above-ground Roth oil tank, and a whole-house automatic generator for year-round peace of mind. Step outside to enjoy the fully fenced backyard featuring a spacious deck with outdoor lighting, perfect for entertaining or simply relaxing while taking in the beautiful reservoir and mountain views. Additional highlights include an attached one-car garage, town water and sewer, and an unbeatable location just minutes from Carmel schools, Metro-North, shopping, restaurants, and convenient access to I-84 and I-684. Lovingly maintained and showcasing true pride of ownership throughout, this exceptional home combines timeless charm, modern updates, breathtaking views, and remarkable flexibility in one of Carmel's most desirable locations. Taxes do not reflect the basic STAR savings of $1,239.

12 Leeside Road, Carmel

$569,999
3 Beds 2 Baths 1021565 MLS
Welcome to this beautifully updated raised ranch, where modern style meets everyday comfort. From the moment you arrive, you'll appreciate the thoughtful upgrades and move-in-ready appeal throughout. The sun-filled main level features a renovated kitchen with contemporary finishes, ample cabinetry, and plenty of space for preparing meals and gathering with family and friends. The open, inviting living spaces create the perfect setting for both entertaining and relaxing with an above-ground pool and leveled backyard. Pool is recently filled and maintained with new liner. Offering three spacious bedrooms with the basement space being used as an extra master bedroom suite ideal for in-law! This home is filled with natural light and provides generous closet space for comfortable everyday living. The lower-level room is warm and welcoming—an ideal place to enjoy movie nights, create a playroom, home office, or fitness area, or simply unwind after a long day. Let your imagination go wild! Complete with an attached one-car garage and huge driveway that can easily accommodate over 10 cars, this exceptional home offers the perfect combination of comfort, functionality, and style. Don't miss the opportunity to make this beautiful home your own!

19 Saint Michaels Terrace, Carmel

$799,000
3 Beds 3 Baths 1016174 MLS
A rare opportunity to own brand new construction in Spruce Estates, one of southern Putnam County's most convenient commuter locations. Tucked away on a quiet cul-de-sac in the Town of Southeast, this 3 bedroom, 2.5 bath Colonial offers 1,980 square feet of thoughtfully designed living space. The main level features 4 inch wide 3/4 inch oak hardwood floors, a formal dining room, oversized great room, and a spacious eat in kitchen with a pantry, center island, and GE appliances. Upstairs, the primary suite includes a walk in closet and private bath with a soaking tub and separate shower, along with two additional bedrooms and a full hall bath. Designed for efficiency and long term savings, the home is equipped with an all electric high efficiency Bosch heat pump system providing heating and central air conditioning, along with a Bradford White AeroTherm heat pump water heater for domestic hot water with cost efficient NYSEG service as your system backup. By eliminating the need for oil or gas, these advanced systems provide year round comfort, lower maintenance, improved energy efficiency, and the convenience of modern all electric living. A wide 36 ft reed front porch spans the full length of the home and offers the perfect place to sit back and relax, while the full basement offers outstanding potential for future finished living space. Additional highlights include a two car garage, attic storage, and an irrigation system for the foundation plantings. Conveniently located just minutes from I 84, I 684, Metro North, 15 minutes from the Danbury Fair Mall, and dining, this home offers the increasingly rare opportunity to own brand new construction in a quiet cul-de-sac with exceptional commuter convenience and the peace of mind that comes with new, energy efficient mechanical systems.

32 Spruce Road, Brewster

$355,000
2 Beds 2 Baths 1017520 MLS
Welcome to 104 Drew Lane, a thoughtfully maintained two-bedroom, two-bathroom residence in Carmel offering 1,240 square feet of functional living space. Built in 1974, this home blends practical design with clean, neutral styling throughout. The floor plan maximizes livability with a generous 24-foot living room featuring built-in shelving and a fireplace that serves as a focal point. Large windows flood the space with natural light and provide outdoor views. The kitchen is equipped with light wood cabinetry, dark granite countertops, and modern appliances including a refrigerator, electric range, microwave, and dishwasher. A convenient breakfast bar with seating flows naturally into the dining area, creating an open feel for entertaining. Both bedrooms are well-proportioned with wall to wall carpeting and abundant natural light. The primary bedroom includes a walk-in closet and en-suite, while the additional bedroom offers flexible space for guests or a home office. Two full bathrooms feature glass-enclosed showers, vanities with integrated storage, and contemporary lighting. The in-unit washer and dryer—stacked and tucked neatly into a dedicated closet space—eliminate trips to a laundry facility and add genuine convenience. Window air conditioning units provide cooling throughout the property. Outside, the building is well-maintained with shingle roofing, balconies offering outdoor space, and a dedicated driveway for parking. The surrounding grounds feature manicured landscaping with mature trees and shrubs, creating a pleasant residential setting. The property sits in an established Carmel neighborhood with easy access to local amenities and commuter routes. This home presents solid bones, efficient systems, and a move-in-ready condition. It's an ideal choice for buyers seeking straightforward, dependable living without excess to maintain.

104 Drew Lane, Carmel

$599,900
3 Beds 2 Baths 1017141 MLS
Welcome to 53 Everett Road in Carmel! Beautifully updated and truly move-in ready, this spacious raised ranch seamlessly blends modern style, comfort, and functionality. The main level features three generously sized bedrooms, gleaming hardwood floors, a beautifully renovated kitchen complete with quality cabinetry, quartz countertops, and stainless steel appliances, along with a tastefully updated full bathroom. Bright, open living spaces create the perfect setting for both everyday living and effortless entertaining. The fully finished walkout lower level adds valuable living space and includes a full bathroom, offering endless possibilities for recreation, a home office, fitness area, guest accommodations, or other flexible uses. With its private walkout entrance, this level provides exceptional versatility to meet a variety of needs. Step outside to the oversized deck overlooking the backyard—an ideal setting for outdoor dining, entertaining, or simply relaxing and enjoying the peaceful surroundings. Additional highlights include an attached two-car garage, town water, town sewer, and thoughtful updates throughout. Conveniently located just minutes from shopping, restaurants, schools, parks, I-84, and the Metro-North railroad, this home combines a desirable location with move-in-ready convenience. Don’t miss the opportunity to own this beautifully maintained home offering flexible living space, modern updates, and exceptional value in the heart of Carmel.

53 Everett Road, Carmel

$520,000
4 Beds 3 Baths 1007732 MLS
A place where every day feels like a summer weekend or a vacation. This is updated four bedroom home in the sought-after Vails Grove community on Peach Lake offers the ultimate lakeside lifestyle within the North Salem School District. The main level features a bright, modern kitchen open to a great room that flows seamlessly through glass doors onto an spacious deck. The gardens and sweeping western views capture the lake’s most spectacular sunsets. The primary suite, complete with its own full bath, and two additional bedrooms and full bath are also on the main floor. The lower level layout offers incredible flexibility with a fourth bedroom, another full bath, and a bonus room perfect for a home office, art studio, or kids' playroom. Living in Vails Grove means you’re steps away from its community beach with swimming, boating and playground. Feel worlds away from the hustle, but be just minutes to Croton Falls with shops, Metro North Train Station and seasonal Saturday North Salem farmers market, and to Danbury and Ridgefield with restaurants, arts, entertainment and shopping.

56 Vails Lakeshore Drive, Brewster

$334,900
1014212 MLS
Exceptional mixed-use investment opportunity in the heart of Downtown Carmel, Also for RENT $2,600 or first floor$1,600. This is offering outstanding visibility and a highly desirable location for both business and income-producing potential. This well-maintained commercial property provides flexible space across multiple levels, making it an ideal addition to an investor’s portfolio or a perfect opportunity for an owner-user seeking future growth. The first floor features a welcoming reception area, private office, large executive office, conference room, kitchen, and bathroom, creating a functional layout for a wide range of professional uses. The second floor offers three additional office spaces and a full bathroom, providing flexibility for multiple tenants, expanding operations, or additional workspace. A walk-up attic on the third floor offers valuable storage space, while the full basement provides even more storage capacity and houses a newer oil burner. Additional highlights include central air conditioning, strong street presence, and excellent exposure in one of Carmel’s most traveled commercial corridors. With its versatile layout, ample storage, and prime location, this property presents a compelling opportunity for investors seeking stable occupancy potential and long-term value appreciation. With variances could be 2 units. Price to sell!

72 Gleneida Avenue, Carmel

$475,000
3 Beds 2 Baths 1006422 MLS
Turn your housing payment into an investment! Whether you're a first-time buyer, investor, or looking for multi-generational living, this move-in-ready two-family offers the opportunity to live in one unit while rental income from the second helps offset your mortgage. Featuring a spacious 2-bedroom apartment and a comfortable 1-bedroom apartment, this well-maintained property has already been updated, making it truly turnkey. Additional highlights include a detached garage, off-street parking, separate utilities, an unfinished basement with abundant storage, and a convenient location just minutes to the Metro-North station, shops, restaurants, parks, and major highways. A rare opportunity to own an income-producing property that's ready from day one.

159 Main Street, Brewster

$797,000
3 Beds 2 Baths 1008965 MLS
Welcome to this beautifully maintained and extensively updated raised ranch in the heart of Mahopac. Set on over half an acre of level and private property, this move-in-ready home offers 3 bedrooms, 2 full bathrooms, and approximately 2,198 square feet of living space. Over the years, the home has undergone substantial improvements, including updated siding, a renovated kitchen, renovated bathrooms, and numerous interior updates throughout. Additional recent updates include a roof that's approximately 3 years old and a new boiler that is 6 years old. The main level features a bright living room, dining area, and updated kitchen, while the finished lower level offers additional living space, including a family room and bonus room ideal for a home office, gym, playroom, or recreation area. An additional sun-filled room provides even more space to relax and enjoy the home. Step outside to enjoy the expansive backyard featuring a deck, patio, storage shed, and ample room for entertaining, recreation, gardening, or simply relaxing outdoors. The level property offers plenty of usable outdoor space and privacy. Conveniently located near shopping, restaurants, parks, schools, golf courses, Lake Mahopac, and Route 6, this home offers easy access to everyday amenities while maintaining a peaceful residential setting. Meticulously maintained and truly move-in-ready home. A rare opportunity to own a well-maintained updated home in one of Mahopac’s most desirable locations!

61 Friendly Road, Mahopac

$799,000
3 Beds 3 Baths 1006860 MLS
Welcome to 39 Kings Ridge Rd, a stunning, down-to-the-studs renovation offering modern luxury, quality craftsmanship, and breathtaking views of Lake Mahopac. Completely rebuilt interior with all new electric, plumbing, HVAC system, and countless high-end upgrades throughout, this exceptional home is truly move-in ready. The beautifully redesigned kitchen features gorgeous cabinetry, quartzite countertops, and an oversized picture window showcasing one of the most spectacular treetop and lake views in Mahopac. Enjoy the scenery from the kitchen, living room, or while relaxing on the expansive new deck with stylish wire spindles. This meticulously renovated home offers 3 bedrooms and 3 beautifully updated full baths with elegant marble flooring, glass shower doors, solid wood interior doors, and rich wood flooring throughout. The full walk-out basement provides additional living potential along with a dedicated laundry room. Every detail has been thoughtfully designed to combine comfort, style, and functionality. A rare opportunity to own a completely renovated home with unforgettable lake views in a prime Mahopac location. Schedule your private tour today, this is truly a must-see property!

39 Kings Ridge Road, Mahopac

$650,000
3 Beds 3 Baths 1006868 MLS
Experience the charm of a historic Greek Revival farmhouse beautifully updated for modern living. This 1,776 sq ft, 3-bedroom, 3-bath home blends original 19th-century character with today’s comfort and efficiency. Wide-plank wood floors, a full-length columned front porch, and period architectural details create an inviting sense of history from the moment you arrive. Inside, the living room centers around a fireplace with a wood-burning stove, perfect for cozy Hudson Valley evenings. The home is equipped with a heat pump for efficient heating and cooling, plus solar panels and a Tesla Powerwall battery system, offering exceptional energy savings and peace of mind. A detached 2-car garage provides ample storage and workspace. The large front yard offers room to relax, garden, or entertain, all just minutes from the Village of Cold Spring, known for its charming shops, restaurants, and Metro-North station for an easy NYC commute. A rare opportunity to own a historic home with modern sustainability and unbeatable convenience.

26 Fishkill Road, Cold Spring

$1,325,000
6 Beds 3 Baths 988763 MLS
Exceptional 3-Unit Investment Property in the Heart of Cold Spring Rare opportunity to own a well-maintained three-unit residential rental property on a side street in the charming Village of Cold Spring. This income-producing building features three spacious two-bedroom apartments, each with separate electric meters, electric heat, and electric hot water—offering convenience and simplified management. Each apartment includes a generous eat-in kitchen, comfortable living room, and in-unit washer/dryers. The top-floor unit also features a dishwasher. The property is currently fully furnished and may be acquired furnished or unfurnished, creating flexible rental options for owners or tenants. Additional value-and opportunities include a large attic with approximately 7-foot ceilings—ideal for storage, studio, or office use—as well as a full basement for additional storage needs. Residents enjoy an unbeatable location close to Cold Spring’s celebrated shops, restaurants, hiking trails, and convenient access to the Metro-North Railroad for an easy commute to New York City. Apartment Highlights First Floor: Tranquil and cozy layout featuring a spacious primary bedroom, inviting eat-in kitchen, and a front porch perfect for morning coffee or evening relaxation. Second Floor: Unique New Orleans-style outdoor veranda, a rare in Cold Spring, plus abundant natural light, spacious eat-in kitchen, and peaceful bedrooms. Third Floor: Perched high above the village, this airy apartment feels private and serene with sunny interiors and charming peek-a-boo views of the Hudson River. A distinctive multi-family property in one of the Hudson Valley’s most desirable river towns. Ideal for investors, owner-occupants, or those seeking a flexible live/work opportunity.

24 Rock Street, Cold Spring

$635,000
2 Beds 2 Baths 988773 MLS
Charming Historic Village Home in an unbeatable location and this home has OFF-STREET PARKING *** Accessed via Rock St. ***** Tucked into one of the most desirable settings in the Village of Cold Spring, this charming home offers comfort, privacy, and convenience just moments from the village’s shops, restaurants, trails, and commuter rail access. While maintaining much of the original character and details of this Cold Spring Foundry Worker home. Warm, cozy, and peaceful, the home blends original details with practical everyday living while also offering exciting potential opportunities for buyers seeking to expand, modernize, or further enhance the property over time. The spacious living room features abundant natural light and beautiful original wood floors. An original staircase adds timeless charm, while hardwood floors continue throughout key living spaces. The bright primary bedroom offers generous light and an oversized closet, creating a comfortable retreat. Upstairs, the bathroom includes a roomy linen cabinet for added storage. The thoughtfully designed eat-in kitchen is well laid out with ample cabinet storage and excellent functionality. A dedicated study/office alcove provides the perfect setup for working from home, reading, or creative pursuits. Outside, enjoy a secluded backyard ideal for relaxing or entertaining, along with convenient off-street parking. Additional features include forced hot water heat, oil fuel with above-ground tank, 200-amp electric service, and a full basement offering excellent storage space; and PARKING! Whether enjoyed as-is or thoughtfully renovated to suit your vision, this is a rare opportunity to own a distinctive village home with personality, flexibility, and an exceptional Cold Spring location. Note, this home is adjacent to, and could be combined with, 13 Kemble Ave (also on the market MLS: 1041977) providing the discriminating and creative buyer the opportunity to create a one-of-a-kind home & yard on this historic street.

11 Kemble Avenue, Cold Spring

$499,999
2 Beds 3 Baths 991711 MLS
Welcome to this immaculate 3 level townhome in Carmel. Featuring 2 spacious beds, and 3 bathrooms, this home has an open floor plan with bright and spacious living room. In the kitchen, you have an updated and top of the line stainless steel appliances and heat resistent ceramic countertops. The upstairs has vaulted ceilings, and a primary bathroom, and three closets in the primary bedroom. There is one more bedroom upstairs and a bathroom upstairs. The basement features a huge family room and walk in closet. There is a separate laundry and utility area in the basement. The central cooling and heating system was replaced in less than 4 years ago. The home is close to schools, shopping, and an easy commute to the Metro North.

503 Twin Brook Court, Carmel

$689,900
3 Beds 3 Baths 923220 MLS
New Construction at its finest! These local builders have been building for many years and now you have the opportunity to purchase an affordable home of your own. Located in the heart of Putnam Lake in Patterson, it is only 5 minutes from the Connecticut border and close to all major highways. This home offers you a 3 bedroom, 3 Bath house on a flat 1/2 acre of property, at the end of a dead end street with Lake Rights included in your taxes! 2200 SQFT of pure quality and craftsmanship. Check out: putnamlake.weebly.com & putnamparks.org There is an Open Concept throughout the Living Room, Dining Room and Kitchen, with Granite counters and Hardwood Floors. The Lower Level boasts a Finished Family Room, Full Bath and Laundry. The Roomy 2 Car Garage makes parking a breeze. 4 Webster Place offers Luxury without the big price tag. Secure your purchase today.

4 Webster Place, Patterson

$75,000
2 Beds 1 Baths 928789 MLS
Welcome to The Cold Spring Mobile Home Park in the charming village of Cold Spring, New York. Nestled in a peaceful setting, this home offers comfortable, easy living with a functional layout and abundant natural light. The interior features a welcoming living room with a fireplace, dining area, kitchen, 2 bedrooms & a bath. There is also a deck, shed and 2 parking spaces. Enjoy the tranquility of the surrounding area while being just minutes from local shops, dining, Metro-North, and the Hudson River. Ideal as a primary residence or weekend retreat, this property offers an affordable opportunity to enjoy all that Cold Spring has to offer. Land rent of $620/month covers water, sewer, garbage, plowing & real estate taxes. This sale is subject to court approval (not a short sale). Property to be sold in "as is" condition. Please verify all info.

3485 US 9, Cold Spring

$709,500
4 Beds 2 Baths 950241 MLS
Please DO NOT DISTURB the occupants, contact with occupants is prohibited. Opportunity to own a charming raised ranch offering just under 2,000 square feet of comfortable living space. This well-proportioned home features four bedrooms and two full bathrooms, providing flexibility for a variety of living arrangements. The finished lower level includes an additional room, ideal for a home office, guest space, or recreation area. The property is further enhanced by off-street parking, including a two-car garage and an extended driveway that accommodates additional vehicles with ease. A spacious yard offers the perfect setting for outdoor entertaining, family gatherings, or future enhancements. Ideally situated in a prime location, the home is just moments from public transportation and a selection of dining options. With convenient access to nearby highways, the property is especially commuter-friendly, allowing for efficient daily travel. Listed while occupied, no showings allowed. Offered strictly "as-is", this property is subject to no contingencies or inspections. The buyer will be responsible for obtaining possession of the property upon closing. No interior photos available.

110 Wayacross Road, Mahopac

$349,000
3 Beds 2 Baths 941206 MLS
Come check out this commuter's dream close to train station and highways before it's gone! Step into this stunning 3-bedroom, 2-bath home, where an impressive open-concept layout and soaring cathedral ceilings create a sense of luxury from the moment you enter. Flooded with natural light and designed for effortless living and entertaining, this home delivers the space, style, and comfort buyers are searching for. Set on a serene 0.86-acre lot, the property offers exceptional privacy along with beautiful seasonal views—your own peaceful retreat just minutes from everyday essentials. Enjoy unbeatable convenience with quick access to the train schools, and premier shopping, making this an ideal location for commuters. With its modern interior, desirable layout, and perfect blend of tranquility and accessibility, this home is a must-see and won’t stay on the market for long.

10 Green Acres Lane, Brewster

$829,000
2 Beds 4 Baths 939680 MLS
The elegantly appointed Winwood opens with a stylish foyer boasting a tray ceiling and a bright flex room. A spacious great room connects seamlessly the a charming casual dining area with sliding doors leading to the rear yard. Adjacent, the well-equipped kitchen features a large island with breakfast bar and wraparound counters. Conveniently located on the main floor, the primary bedroom offers a walk-in closet and a lovely bathroom with a dual-sink vanity, a luxe shower with seat, linen storage, and a private water closet. The second floor reveals a loft, a full bathroom, and a secondary bedroom. Other highlights include an everyday entry, first-floor laundry, a powder room, and extra storage throughout. This home includes a finished walk-out basement with full bath, perfect for guests to have their own private space to stay. Buyers still able to personalize interior finishes at our luxurious design studio. Fall 2026 move-in. Home is to be built.

2042 Summit Loop Unit #58, Carmel

$899,000
2 Beds 2 Baths 934376 MLS
The Alstead is an exceptional combination of sophistication and functionality. A welcoming foyer punctuated by a tray ceiling leads past a versatile flex room into the main living area, featuring an elegant dining room and a spacious great room. Adjacent, a casual dining area offers access to the rear yard and the well-equipped kitchen, which offers wraparound counters and countertops, an island with breakfast bar, and a pantry. The serene primary bedroom is complete with a walk-in closet and a relaxing primary bath with a dual-sink vanity, a luxe shower with seat, and a private water closet. At the front of the home, a lovely secondary bedroom is conveniently located just steps from a full hall bath. Additional highlights include an everyday entry, centrally located laundry, and ample storage space. Additionally, this home features a finished basement with plumbing rough-in for future bath. Luxurious Designer appointment finishes throughout. Late Summer 2026 Move-in. Home is under construction!

2069 Summit Loop Unit #98, Carmel

Listings courtesy of OneKey® MLS as distributed by MLS GRID. Based on information submitted to the MLS GRID as of . All data is obtained from various sources and may not have been verified by broker or MLS GRID. Supplied Open House Information is subject to change without notice. All information should be independently reviewed and verified for accuracy. Properties may or may not be listed by the office/agent presenting the information.