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$1,400,000
8 Beds ⋅ 4 Baths ⋅ 991452 MLS
Turnkey waterfront two-family investment opportunity generating approximately $95,000 NOI. Fully occupied with strong, stable income and minimal management requirements. The property has undergone a full renovation, including new roof, windows, boilers, septic systems, kitchens, flooring, water heaters, and appliances. Oil tanks have been removed with state certification. Located outside of a flood zone, significantly reducing risk and insurance costs. Rare opportunity to acquire a fully stabilized, low-maintenance asset in a prime waterfront setting. Do not disturb tenants. Showings by appointment only.

37 Lakeshore Drive, Call Listing Agent
$959,777
5 Beds ⋅ 2 Baths ⋅ 991400 MLS
Close to everything, transportation, shopping, and schools. The property is a one-family detached house. The owner will entertain all good offers, Just bring your whole family. Due to weather conditions the open house for today July 18, 2026. from 2:00 PM. to 4:00 PM. has been cancelled.

10309 32nd Avenue, E. Elmhurst
$1,380,000
4 Beds ⋅ 2 Baths ⋅ 990613 MLS
Prime mixed-use investment opportunity located on busy 7th Avenue near 86th Street in Brooklyn. This rare property features a 1F storefront with full basement, suitable for a variety of uses along with access to a private backyard—an uncommon outdoor feature in the area. The 2nd floor offers a spacious 4-bedroom, 2-bath residential unit with a large living room and oversized balcony, ideal for owner-occupancy or rental income. Building size approximately 19.58x65 (about 2,470 sqft interior) on a 19.42x86.08 lot. Zoned R5B / C2-3 with low annual taxes of $9,774.08. Excellent exposure with strong foot and vehicle traffic, near he vibrant 86th Street commercial corridor, surrounded by dining, shopping, and daily conveniences. Convenient transportation and a well-established neighborhood enhance both usability and long-term value. Ideal for end-users or investors seeking stable income and appreciation potential.

8421 7th Avenue, Brooklyn
$370,000
1 Beds ⋅ 1 Baths ⋅ 988492 MLS
Spacious one-bedroom in a prime Forest Hills location. Building amenities include a 24-hour doorman, pet-friendly policy, in-house gym, children's playroom, laundry room, and bicycle storage. Renovated 3 years ago, this home features a thoughtfully designed entryway with a custom mudroom area for coats and shoes, enhanced by lighting that creates a sleek, boutique-style feel. The windowed kitchen offers new cabinets and appliances, complemented by recessed lighting throughout. The windowed bathroom includes a Bluetooth color-lighting fan, and the home is finished with beautifully refurbished wood floors stained black. The apartment also offers generous closet space and abundant natural sunlight. Conveniently located one block from the 67th Avenue station (R & M trains), four blocks from the express E & F trains, and near the vibrant Austin Street shopping district, Forest Hills LIRR Station Square, Queens Boulevard, and Yellowstone Park. Close to restaurants, shops, and parks, with ample street parking available nearby. Sale may be subject to terms & conditions of an offering plan.

10325 68th Avenue Unit #5K, Forest Hills
$50,000
990701 MLS
Offering 3.6-acre lot( Block 454, Lot 4-4 and 1.4-acre lot( Block 454, Lot 5-1). Sits to the right of Bonnie Brook Road. Land Use: Residential Acreage

Methol Road, Roscoe
$1,999,000
2 Beds ⋅ 2 Baths ⋅ 987486 MLS
Taber Acres 3 lot subdivision is offering the last lot available, and this is the building lot you've been waiting for to build your dream home upon! The 7+ acre lot is mostly flat with a gentle rise, has sandy soil, 400 AMP service installed and is ready to build. With the 400 AMP service this means the lot can accommodate a pool, a 2-bedroom guest house, sport court, and more. The private setting on Taber Road is near a working farm with tons of curb appeal and less than 1 mile to the NY border for ease of commutes for both full time or weekend getaways. The wetlands in back will remain in conservation, and will offer hiking trails, a bridge, and boardwalks. This is your chance to partner with an award-winning local design-build firm to create the home of your dreams. House plans shown are just a sample; this firm can do whatever fits your needs. Look at Sherman Building Design LLC on the web or on Instagram – an extraordinary blend of superior craftsmanship and refined modern design. This is the only lot left in this small country 3 lot subdivision. The sale price listed represents a land conveyance at $369,000, and a building allowance starting at $500/ sf. Ease and proximity 7.9 miles to the Pawling Metro North Train Station, just minutes to the quaint small town center, community park with basketball, tennis and pickle ball courts, jogging path, town boat slips, kayak-canoe racks and sandy beach on Candlewood Lake, two private golf clubs, The Club @ River Oaks and the Quaker Hill Country Club, 835 Acre Deer Pond Farm Sanctuary-Audubon Center with 20 miles of trails. 90 minutes to NYC makes for a perfect weekend retreat or year-round living. Welcome to Small Town USA! Builder available to meet and walk land.

8 Taber Lot 1 Road, Call Listing Agent
$399,000
1 Beds ⋅ 1 Baths ⋅ 990559 MLS
Welcome to this bright and spacious 1-bedroom, 1-bath condo in the heart of Fresh Meadows. This well-maintained unit features a functional layout with a combined living and dining area, an open kitchen with granite countertops, and abundant natural light throughout. Located in an elevator building built in 2007, the home is close to Queens College, St. John’s University, shopping, dining, and multiple public transportation options, including Q25, Q34, Q64, Q65, QM4, and QM44. An excellent opportunity for comfortable owner-occupancy or long-term investment in a convenient Queens neighborhood.

7119 162nd Street Unit #2I, Fresh Meadows
$388,000
1 Beds ⋅ 1 Baths ⋅ 990373 MLS
Spacious and Bright High-Floor Duplex 1-Bedroom Co-op in the Heart of Rego Park. Welcome to this highly desirable 840 sq ft oversized 1-bedroom unit featuring an excellent layout, multiple windows, and abundant natural light throughout. Perched on a high floor, this home offers open views, stylish modern finishes, and a warm, inviting atmosphere that makes you want to stay home all day. Conveniently located near shopping centers, supermarkets, and the subway. Maintenance includes all utilities. Don’t miss this wonderful opportunity—schedule your showing today!

9972 66th Road Unit #7B, Rego Park
$1,125,000
5 Beds ⋅ 5 Baths ⋅ 990208 MLS
Beautifully renovated legal 2-family brick home in the heart of Brownsville! This semi-attached property offers a modern layout, quality finishes, and excellent income-producing potential. Featuring 5 bedrooms and 5 full bathrooms, each unit offers a bright living/dining room combination, a custom-made kitchen with stainless steel appliances, hardwood floors, and a modern electric fireplace, creating a warm and stylish atmosphere. The property also includes a huge full finished basement with a laundry area, open recreation space, and two separate entrances, providing additional flexibility. Enjoy two balconies, updated interiors, a solid brick exterior, and a convenient location close to shops, schools, public transportation, and major neighborhood amenities. Located in an R6 zoning district with approximately 2,728 buildable residential square feet, this property offers strong long-term upside in addition to immediate rental income potential. A great opportunity for investors or end users looking for a renovated legal 2-family home in Brooklyn. Easy to show — don’t miss it!

639 Watkins Street, Brooklyn
$249,000
1 Beds ⋅ 1 Baths ⋅ 989086 MLS
Welcome to The Belmar, ideally located in Riverdale’s town center, surrounded by shops, restaurants, and everyday conveniences. This updated Junior 4 offers great space and value, with a separate bonus room ideal for a home office or guest area. The apartment includes beautiful hardwood floors throughout, a welcoming entry foyer, an oversized living and dining area, abundant closet space, and bright north, east and west exposures. Both the kitchen and bathroom are windowed, adding natural light and ventilation. Conveniently situated near parks, schools, and shopping, with excellent transportation options including the No. 1 subway, Metro-North, express buses to Manhattan’s east side, west side, and Wall Street, as well as local buses to the No. 1 and A trains. Easy access to the Henry Hudson Parkway and NYS Thruway. The building offers a live-in superintendent, laundry room, storage, and garage parking (subject to availability). Pets allowed with board approval (dog weight restrictions apply). Maintenance: $1,102.56/month

525 W 236th Street Unit #6A, Bronx
$899,000
1 Beds ⋅ 1 Baths ⋅ 990165 MLS
Welcome to fabulous 5C at 48 Hester Street, a spacious 1-bedroom, 1-bathroom home offering approximately 706 square feet of comfortable living. Flooding the home with natural lighting through out the day, this bright and inviting residence features brand-new hardwood floors, an updated kitchen, and freshly painted wall to ceiling through out. The fully equipped kitchen features modern finishes with brand new appliances and extra tall cabinetry to offer an ample storage for your favorite kitchen essentials. The expansive living and dining area are ideal for both relaxing and entertaining. Its large windows and glass door to balcony fill this corner unit home with natural light while showcasing the city's splendor. The generously sized bedroom includes two excellent double size closet spaces and additional living space for a home office or ensuite entertainment area. Minutes to Delancey St - Essex St Station with F, M, J, and Z line connections. Additionally, it is just steps away to Trader Joe's, Essex Market, endless Cafes and Restaurants of local favorites, as well as beautiful Arts and Boutique Shops. Open air enthusiasts will love the proximity to legendary bridges - Williamsburg, Manhattan, and Brooklyn Bridge - which offer relaxing walks, jogging, biking, along the East River Greenway or East River Park. Easy transportation access to nearby subway lines, bus stations, FDR Drive, and Ferries. Ideally located in the charm of Downtown Manhattan, this exceptional home offers space, comfort, and conveniences within Soho, Little Italy, Chinatown neighboorhoods, and to the rest of the City.

48 Hester Street Unit #5C, New York (Manhattan)
$1,499,000
6 Beds ⋅ 3 Baths ⋅ 989874 MLS
Welcome to this solid Legal 3- Unit Brick home on Van Loon Street this property offers three spacious levels of living With over 3,000 sq. ft. of living space,—perfect for investors or owners looking for rental income. Layout: Each of the three floors features a spacious 2-bedroom, 1-bathroom apartment with a large living room and kitchen. Recent Updates: Every unit has been updated kitchens, bathrooms, and fresh flooring. Bonus Features: The First-floor unit enjoys direct access to the backyard, and the property includes a private parking space. Prime Location: Steps away from Grand Avenue and Queens Boulevard. Enjoy being minutes from the subway, buses, shopping malls, groceries, and schools.

5222 Van Loon Street, Elmhurst
$160,000
2 Beds ⋅ 1 Baths ⋅ 989876 MLS
Bring your vision and unlock the full potential of this spacious 2-bedroom co-op! Featuring a highly desirable layout with a large living room, formal dining room, and eat-in kitchen, this home offers the perfect foundation to create a truly customized space tailored to your style. Generous closet space throughout adds to the functionality and appeal. Located in a well-maintained building with a live-in superintendent, residents enjoy added conveniences including available storage, a patio, and a playground area. Commuters will love the unbeatable location with a bus stop right outside and quick access to the 1 and 4 trains—making travel simple and efficient. Just steps from Riverdale, you’re close to shopping, dining, and everyday essentials. Even better, maintenance includes ALL utilities—heat, hot water, gas, electric, sewer, and master insurance—providing exceptional value and predictable monthly costs. A rare opportunity to design your ideal home in a prime, convenient location—don’t miss it!

501 Riverdale Unit #4C, Yonkers
$899,000
3 Beds ⋅ 4 Baths ⋅ 989956 MLS
Presenting you this fully gut-renovated single-family home where the owner spares no expenses! This impressive residence offers 3 spacious bedrooms and 4 bathrooms (3 full and 1 half), all crafted with high-end finishes and meticulous attention to detail throughout. Inside you will discover a beautifully designed open layout featuring brand-new engineered hardwood flooring and custom doors throughout the home. The centerpiece kitchen is a true showstopper, equipped with high-end smart appliances, sleek cabinetry, and a custom island. Each bedroom is enhanced with custom-built closet, providing both style and functionality. Additional upgrades include a custom-designed front door with a smart lock system and striking black aluminum windows that bring in abundant natural light while adding a bold, contemporary touch. The fully finished basement boasts high ceilings and brand-new vinyl flooring. Brand-new central AC and heating system, along with a new washer and dryer for ultimate convenience. Completing the package is a private driveway. This is a true turnkey property combining style, comfort, and modern technology!

55 Beard Street, Staten Island
$599,000
989661 MLS
HUGE PRICE IMPROVEMENT!! Perfect time for you to own this property for the summer. 25+ acres of land with 19 Acres of direct Hudson River waterfront. A slice of New York heaven located in Waterford NY, in Saratoga County. This property is currently being used as a licensed recreational campgrounds and can generate approximately 63k in seasonal rentals There are a total of 33 Lots. Including 19 mobile home sites and 7 active cottage sites not owned by the landowner and are land leased seasonally. The seller is in the process of working with the town to bring in fresh town water. The property feature 26 updated wells, updated septic tanks, electric on site, three boat launches on the Hudson River, your private road coming in from Hudson River Road which is a main road. Over 3 acres of this property also buds up to state land, which is land locked so if the state needs to access the land they will have to go through the owner and pay for access. National grid has an easement to access the light poles which the seller owns. This property is in the Waterford school district. Property is located in AE flood Zone. Homes may be elevated to build on site. Please bring your imagination!

1 Kelts Grove Road, Other
$618,000
1 Beds ⋅ 1 Baths ⋅ 989703 MLS
Welcome to 142-38 37th Avenue in the heart of Flushing, Queens. This charming 1-bedroom, 1-bath condo offers modern comfort and exceptional convenience. Residents enjoy premium building amenities including a full-time doorman, surveillance camera system, gym, bike room, recreation room, smart central heating and cooling, and valet parking. Low common charges of just $207.80 make this home even more attractive, along with over 5 years of remaining tax abatement. Perfectly located only minutes from Main Street and close to the 7 train, buses, LIRR, supermarkets, restaurants, banks, and more.

14238 37th Avenue Unit #11A, Flushing
$99,990
1 Beds ⋅ 1 Baths ⋅ 989500 MLS
Spacious 1-bedroom in the desirable Fordham Hill Oval gated community, offering exceptional layout and value. This well-proportioned unit features a large living and dining area, generously sized bedroom, and a rare walk-in closet—an uncommon and highly sought-after feature within the complex. The apartment offers original details throughout, providing a great opportunity for buyers to customize and update to their own taste. Select improvements have already been made, including updated baseboards and an upgraded electrical system, adding a layer of convenience and peace of mind. The kitchen and bath are functional and well maintained, with strong potential to modernize over time. Fordham Hill Oval is a beautifully landscaped, fully gated community with 24-hour security, on-site management, and a fitness center for residents. Maintenance includes all utilities, adding convenience and predictable monthly expenses. Ideally located near major highways, public transportation, shopping, and local amenities, making commuting and daily living easy. A fantastic opportunity to own a spacious unit with strong upside in one of the Bronx’s most established cooperative communities.

1 Fordham Hill Oval Unit #4A, Bronx
$749,999
2 Beds ⋅ 1 Baths ⋅ 989376 MLS
Canal front home, middle of quiet street. 40ft of updated bulkhead large deck plus patio full outdoor kitchen with hot tub great for outdoor living and entertaining. Quick access to the great south bay for a last minute boat ride to local beaches or countless waterfront destinations. 2 Bed rm, 1 Bath vaulted ceilings hardwood floors updated kitchen, Gas heat, Central air great option for boat lover looking to downsize and stay local. Home is located in the coveted area of Babylon's Frederick Shores. West Babylon school district. True taxes with zero deductions $ 11,392.52.

75 S Bay Drive, Babylon
$1,050,000
4 Beds ⋅ 3 Baths ⋅ 984388 MLS
Welcome to this sunlit meticulously maintained High Ranch in the wonderful Village of Floral Park with tons of space. This home has bedrooms on both levels. The open concept first floor features an updated Eat In Kitchen with Living Room, Large Bedroom and a mud room/foyer. The second level has a large sunlit living room, Dining room, 2 Bedrooms with updated Bath and an additional Master Bedroom with Full Bath. Enjoy a large backyard featuring a perogola to provide shade for your outdoor activities. Close to schools, highways places of worship and transportation.

34 Vandewater Avenue, Floral Park
$490,675
2 Beds ⋅ 3 Baths ⋅ 989132 MLS
LOCATED IN SUNNYSIDE S.I. THIS IS A ONE FAMILY SEMI-ATTACHED WITH 3 BATHS, 2 BEDROOMS, HARDWOOD FLOORS ALL BRICK. 3 CAR DRIVEWAY. NEAR ALL.

1051 victory Boulevard, Staten Island
$849,000
3 Beds ⋅ 2 Baths ⋅ 979749 MLS
The pride of ownership shows in every detail of this beautifully maintained single-family home in the heart of Throggs Neck — available on its own or as part of a rare 2-parcel package with the adjacent buildable lot (MLS #980071, listed at $275K and sold separately). The home features 3 bedrooms, 1.5 bathrooms, and a bright, open main level with a living room, dining area, and a kitchen with breakfast nook and stainless-steel appliances. Sliding doors lead to your own private backyard retreat, complete with an above-ground pool. The finished walkout basement with a separate entrance offers excellent flexibility — ideal for extended family or potential ADU use for additional rental income. 2 Car driveway. The adjacent lot — separately deeded with its own BBL — currently operates as a parking lot with capacity for 8–10 cars, generating an estimated $2,000–$2,500/month at $250 per space. Live in the home, let the lot work for you, or acquire both parcels together to maximize your long-term investment potential. Conveniently located with local bus service steps away and just 3 miles to the train station.

2866 Dewey Avenue, Bronx
$275,000
980071 MLS
Rare standalone opportunity in the heart of Throggs Neck! This separately deeded, buildable lot (with its own BBL) is currently operating as a parking lot with capacity for 8–10 cars — generating an estimated $2,000–$2,500/month at $250 per space. Whether you hold it for income, develop it, or expand your footprint, the upside is real. Also available as a package with the adjacent house (MLS #979749, listed at $849K) for investors looking to maximize their position. Conveniently located just 3 miles from the train station with local bus service steps away.

2864 Dewey Avenue, Bronx
$250,000
2 Beds ⋅ 2 Baths ⋅ 988913 MLS
Unlock the full potential of this spacious 2 bedroom, 2 bath CO-OP at 800 Grand Concourse, Apt 5ES is a rare opportunity to reimagine and create your dream home. This generously proportioned layout offers incredible bones and a versatile footprint, making it the perfect canvas for a complete renovation. With ample space, great natural light, an abundance of closet space, and endless design possibilities, you have the freedom to craft a modern, personalized living environment tailored to your exact vision. A smart entry point into homeownership for buyer entering the market ready to build their dream home in this full service luxury building that includes, 24 hour doorman, elevator, heated indoor garage parking, and additional storage. Situated along the historic Grand Concourse, this well-established building places you in the heart of the Bronx with convenient access to transportation, parks, shopping, and neighborhood amenities. Bring your contractor and imagination, this is your chance to create something truly special at an affordable price.

800 Grand Concourse Unit #5ES, Bronx
$399,000
2 Beds ⋅ 1 Baths ⋅ 989011 MLS
TRUE TWO BEDROOM ONE BATH HOME LOCATION IS EVERYTHING IN REAL ESTATE AND THE HUDSON TOWERS LOCATION IN RIVERDALE IS PERFECT. ELECTRICITY AND GAS IS INCLUDED IN YOUR MAINTENANCE! *NO CON ED BILLS! CENTRAL AIR INCLUDED IN MAINTENANCE GARAGE SPACE AVAILABLE FOR PURCHASE OPEN VIEWS PULL-IN DRIVEWAY TO UNLOAD YOUR CAR! EXTRA LARGE POOL! KIDDIE POOL AS WELL Luxury, Location and Convenience Discover your dream home in this sun drenched sophisticated 2 bedroom apartment. show full description

3777 Independence Ave 3777 Independence Ave Unit #4J, Bronx
$730,000
3 Beds ⋅ 2 Baths ⋅ 988986 MLS
Mint-condition and move-in ready, this beautifully renovated legal one-family home in South Jamaica is the one buyers have been waiting for. Featuring a modern open-concept first floor, this stunning home offers a spacious formal living room, formal dining room, a custom eat-in kitchen with stainless steel appliances, and a convenient half bath. The second floor includes 3 comfortable bedrooms with closets and a full bathroom. The full finished basement with 2 separate entrances offers excellent additional living space and flexibility. The exterior has been tastefully upgraded with brick and stucco finishes, and the concrete backyard provides a cozy and private setting for outdoor enjoyment. A rare bonus is the private parking for 4 vehicles. Conveniently located near schools, shops, and public transportation, this home combines beauty, function, and location. Easy to show and ready to sell. Don’t miss this exceptional opportunity.

11518 147th Street, Jamaica
$499,500
2 Beds ⋅ 2 Baths ⋅ 988437 MLS
tbd

3935 Blackstone Avenue Unit #3C, Bronx
$750,000
2 Beds ⋅ 2 Baths ⋅ 987553 MLS
Rego Parc Condominium is one of the last awarded 421a abatement buildings in NYC. Amazing value with a tax abatement that runs until 2034 making this an attractive investment property as well. The common charges and monthly taxes are less than $420 per month. Due to low carrying costs, this can provide over $40,000 in savings and allows you to increase your borrowing power! When entering the top floor unit apartment, you will immediately notice the abundance of natural light. The modern elegance of this turn-key condition apartment features: -Stainless steel appliances with an open concept kitchen -Ductless HVAC in each room personalizing temperature and comfort -Floor to ceiling double paned windows upon entering your private balcony -Primary en-suite with a walk-in closet -Full suite of building amenities from laundry room, bike storage, courtyard, fitness center, and underground parking for rent -Low monthlies to go along with owners only required to pay utilities Being nestled between Middle Village and Rego Park provide an assortment of options from green space (Juniper Valley Park), local restaurants, groceries, and shops, and commuting options (subway R/M, Q11, Q21, Q38, Q52, QM15). *Photos are virtually staged for illustrative purposes

6296 Woodhaven Boulevard Unit #6I, Rego Park
$1,299,999
3 Beds ⋅ 4 Baths ⋅ 987217 MLS
"Direct waterfront. Uncompromising luxury. A lifestyle that speaks for itself." Tucked at the eastern edge of the Bronx, City Island is New York City's best-kept secret — a quaint, salt-aired fishing village with weathered docks, locally-owned seafood shacks, and a genuine small-town charm straight out of coastal New England. All of it just 35 minutes from Midtown Manhattan. Step onto your oversized private deck and feel the difference between a water view and something far more rare — true WATERFRONT living. There is no road between you and the water, DIRECT VIEW thru out the property. No neighbor's yard. No strip of park. Just your deck, your morning coffee, and the Long Island Sound stretching all the way to the horizon. As the eastern sun rises low and golden over the water, the light dances across the surface directly below you. Sailboats glide past. Herons wade at the shoreline. The only sounds are the gentle lap of the tide against the seawall and the distant call of gulls overhead. This is not a view you admire through a window — it is a living, breathing experience you step into every single day. From the moment that you enter this thoughtfully designed living space of over 2400 sq. ft you realize that you have not just purchased a home but adopted a lifestyle, as you enter the main level you are greeted by the gleaming hardwood floors complementing the bright and airy open concept , connecting the living room with your gourmet kitchen, equipped with stainless steel appliances with generous counter space that effortlessly flows into the main living area , keeping you connected with guest. Be sure to cozy up to the stunning fireplace on cool evenings adding warmth and ambiance to the heart of the home. Capping off this exceptional condominium are three generously proportioned bedrooms, private sanctuary complete with its own en suite bath. A beautifully positioned powder room off the main living area ensures guests are always graciously accommodated. Whether you're hosting a dinner party or simply unwinding after a long week, every inch of this home is built for the way you actually want to live. Nestled within an exclusive gated community, residents enjoy resort-caliber amenities including a sparkling in-ground pool and a handsomely appointed clubhouse — plus the everyday ease of private garage parking. Security. Community. Serenity. All in one address.

19 Island Point Unit #19, Bronx
$250,000
988785 MLS
Don't miss this rare opportunity to own this buildable lot in the desirable Pelham Bay area of the Bronx. It is a 25'x90' lot with R4A zoning. Currently there is a garage on the lot. It can be sold separately or as a package deal with the 2-family house of 2879 Harrington and another adjacent lot at 2881 Harrington Ave. Call today to ask the land survey before it gone.

2877 Harrington Avenue, Bronx
$1,250,000
6 Beds ⋅ 4 Baths ⋅ 988432 MLS
Two Dwelling House

88-37 187th Street, Hollis

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.