Refine Search
Map
Sort by
$160,000
1 Beds ⋅ 1 Baths ⋅ 966580 MLS
Well maintained one bedroom and one bathroom apartment is a Commuter's Dream. Bright and spacious unit boasts southwest exposure and features a renovated bathroom, recessed lighting, and ample closet space. The well-maintained building includes amenities such as an exercise room, multiple laundry rooms, elevators, an updated security camera system, a live-in superintendent, and is conveniently located near a Metro North station, bus stops, highways, parks, and shops. Board approval is necessary for this property.

485 Bronx River Road Unit #A23, Yonkers
$170,000
1 Beds ⋅ 1 Baths ⋅ 966323 MLS
Welcome to 333 Bronx River rd ,1 bedroom ,1 bedroom co op in the heart of Yonkers.Step into welcome open floor plan with all natural light ,Nestled in well-maintained complex with a playground .Close to all transportation ,Train .30 minutes from Grand Station by Metro North Train conveniently to the bus stop ,shopping, schools . Board requires 20% down payment .

333 Bronx River Road Unit #707, Yonkers
$199,000
2 Beds ⋅ 1 Baths ⋅ 964468 MLS
Don't miss this spacious two bedroom, one hall bathroom apartment, featuring a large dining area/home office leading to kitchen and living room. Galley kitchen offers granite counter tops along with wood cabinets, stainless steel refrigerator and newer oven. The bathroom has been updated with a new vanity sink and it is ceramic tiled floor to ceiling. The apartment has beautiful hardwood floor and plenty of closets throughout. The unique layout offers privacy for both bedrooms since they are located off the hallway on other side of living area. Updated electrical panel in apartment. The building offers private outdoor seating area. Convenient to bus and Metro North train station, this apartment is a commuters dream. Amenities include 24 Hour Security Surveillance, Emergency Broadcasting System, Newly updated Laundry Room, Storage Room. Garage parking is available for a fee but currently there is a waitlist. You can bring your cat!

30 Fleetwood Avenue Unit #1B, Mount Vernon
$189,999
2 Beds ⋅ 1 Baths ⋅ 965953 MLS
Welcome to 2 Fisher Drive in Mount Vernon, a well-maintained co-op offering comfort, convenience, and natural light throughout. This bright and inviting unit features ample closet space and a functional layout, making it a great starter opportunity for first-time buyers or those looking to downsize. The building offers on-site laundry and a playground on the premises for added convenience. Ideally located near the Hutchinson River Parkway, with the Bee-Line Bus within walking distance and close proximity to Metro-North stations including Pelham, Fleetwood, and Mount Vernon East, making commuting simple and accessible. Enjoy nearby local shops, dining, and everyday essentials just minutes away. A wonderful opportunity to own in a well-situated Westchester location.

2 Fisher Drive Unit #318, Mount Vernon
$250,000
1 Beds ⋅ 1 Baths ⋅ 962596 MLS
Welcome to Franklin Manor, where pre-war character and modern comfort come together in this huge one-bedroom apartment in White Plains that feels like a two bedroom. For those dog lovers, this building is dog friendly. This inviting home features expansive rooms, gleaming hardwood floors, exposed brick, and a rare working fireplace that adds warmth and charm. A spacious entry foyer with a generous closet opens to a sun-filled living room, creating an ideal space for relaxing or entertaining. The king-size primary bedroom offers a huge double-door closet and dual exposures that bring in excellent natural light throughout the day. Heat, hot water and taxes are included in the maintenance. The updated windowed eat-in kitchen includes stainless steel appliances and ample room for everyday dining. Set in a well-maintained building, this pre-war co-op in White Plains is conveniently located near Metro-North White Plains, The Westchester, City Center, popular restaurants, gyms, and daily essentials in downtown White Plains. If you’re searching for space, character, and commuter-friendly convenience, this Franklin Manor home is one to see.

1 Franklin Avenue Unit #6A, White Plains
$129,900
1 Beds ⋅ 1 Baths ⋅ 957085 MLS
Welcome home to this sunny, garden-style 1-bedroom co-op in highly desirable Stonegate, featuring a private entrance to a second-level living space. Priced to sell and move-in ready with fresh paint, carpeting, a newer kitchen with updated appliances, oak cabinets, granite counters, and polished wood flooring in the non-carpeted areas. Enjoy large walk-in closets and a balcony with lovely mountain views. Conveniently located near the pool and barbecue areas. Community amenities include on-site laundry. Unit comes with one assigned parking space and a storage unit. Monthly maintenance includes taxes, heat and hot water, basic cable, and internet. STAR real estate tax discount for primary residence not included in listed HOA. Close to schools, shopping, highways, and the Peekskill waterfront. Metro-North station is nearby—approximately 1 hour to Grand Central Terminal. Board requirements: 775+ credit score; 20% deposit due at contract signing. Income requirements: Cash buyer income must be greater than $38,000 per resident; with mortgage, income must be greater than $55,000 per resident. Must have at least $15,000 in bank after down payment is made; debt-to-income ratio not to exceed 30%.

1840 Crompond Road Unit #9B7, Peekskill
$159,999
1 Beds ⋅ 1 Baths ⋅ 960740 MLS
Buyer Bonus! Save thousands-! Seller Contributing to Buyers Closing Costs. Location, location, ! Commuter’s delight! Welcome to this spacious and bright 1-bedroom, 1-bath apartment in the desirable Park Court complex. Features include wood floors throughout, a large entry foyer, and an extra-large living room with a seamless open-concept living and dining area—ideal for everyday living and entertaining. The kitchen is equipped with functional countertops and stainless steel appliances complemented by sleek cabinetry, perfectly balancing style and utility. Additional highlights include low maintenance, on-site laundry located on the lower level, and a guaranteed assigned parking space. An additional garage space is also available via a waitlist. Boasting a prime location, this property is within a short walk to the Fleetwood Train Station, and close to Bronxville, Cross County Shopping Center, Empire City Casino, restaurants, parks, and major parkways. Owner priced to sell. Property is vacant and easy to show!

765 Bronx River Unit #3F, Bronxville
$514,999
3 Beds ⋅ 1 Baths ⋅ 961225 MLS
Vacant church property being sold strictly **AS-IS** on the South side of Mount Vernon, presenting a unique opportunity for investors, contractors, or developers to convert into a 1- or 2-family residence or restore for alternative use. The property requires significant repairs and is priced accordingly; **cash offers only** with proof of funds required. Sold with open permits. Zoned for Three-Family Residence (RMF-6.75) Lot Size 2,614 SF

452 S 7th Avenue, Mount Vernon
$99,000
1 Baths ⋅ 953285 MLS
Welcome to The Windsor at 370 Westchester Avenue — This bright and spacious 1-bedroom, 1-bath garden-style co-op walk-in unit offers a well-designed layout with hardwood floors and abundant natural light. Come make this your own! Monthly maintenance includes taxes, and the complex is well-maintained both inside and out. A wonderful opportunity to own in one of Port Chester’s most convenient and established co-op communities.

370 Westchester Avenue Unit #2N, Port Chester
$135,000
1 Baths ⋅ 959941 MLS
Welcome to The Kenmore — a recently renovated and spacious studio offering comfort, convenience, and a prime location. This bright unit features an open layout, separate kitchen, and one full bath, complemented by lovely hardwood floors and an abundance of natural sunlight throughout. Ideally located within walking distance to the railroad, parks, shops, bus transportation, and the beach. Assigned parking provides added everyday convenience. A fantastic opportunity for easy living — schedule your showing today.

266 Pelham Road Unit #4E, New Rochelle
$465,000
1 Beds ⋅ 1 Baths ⋅ 956171 MLS
A true jewel box Junior 4 one bedroom in the iconic Bronxville Towers, perfectly situated just steps from all the charming shops and restaurants of the village. This freshly painted beautifully appointed apartment features a sleek, modern kitchen with granite countertops and stainless steel appliances, seamlessly opening to a spacious dining area that flows into the living room, ideal for both everyday living and entertaining. The living space enjoys stunning views of Bronxville’s historic Hilltop through oversized leaded windows, adding a sense of place and serenity. The gracious, oversized entry hall welcomes you home and offers exceptional storage with a large coat closet. The brand new marble bathroom is a standout, finished in crisp Carrera tile and outfitted with high-end fixtures, including a Toto bidet toilet, new Kohler vanity and fixtures and a Robern medicine cabinet. Gleaming hardwood floors throughout complete this polished, move-in-ready home that blends classic elegance with modern comfort. Many terrific improvements including brand new baseboards, a one year old high BTU AC unit, brand new bedroom carpet, new light dimmers, new switch plates and custom roller shades on all windows. Also included: Wine Enthusiast Wine Cave. Delightful Bronxville living!

3 Tanglewylde Avenue Unit #5C, Bronxville
$129,900
1 Beds ⋅ 1 Baths ⋅ 957530 MLS
One Bedroom unit located on the first floor with large living room, bedroom, bathroom and galley kitchen. This unit needs some updating. The location is very close to shops and near the train. The basement has the laundry room, a community room and a bicycle room as well as a fitness center. The maintenance includes, electric, gas, water and maintenance of common areas and the exterior. There is a surcharge of $60 monthly per AC unit in the months June through September. The parking garage and the outdoor parking lots are wait-listed. Street parking is Free. The Board requires the following: 20% downpayment; 700 min credit score; DTI of 33%; overall debt can not exceed 38% of net income. ****BUYER INCENTIVE - Seller is offering at closing 1 Year of Maintenace Fees - TOTAL AMOUNT $10,680 ($890x12months)*****

70 Locust Avenue Unit #B114, New Rochelle
$169,999
1 Beds ⋅ 1 Baths ⋅ 944362 MLS
Welcome home to a beautifully updated 1 bed, 1 bath unit in the well maintained Vincent Arms complex. This unit features a dining area and spacious living room with breakfast bar. The modern kitchen offers granite countertops, stainless steel appliances, and recessed lighting. The bedroom includes two closets, one a walk-in, plus remote-controlled blinds for convenience and an adjacent updated bathroom is finished with elegant travertine marble. Building amenities include a common laundry room on the ground level and a live in superintendent. Enjoy the park right across the building entrance providing a perfect outdoor retreat with sitting area, playground, and basketball court. Ideally situated near Fleetwood & Bronxville Metro North stations, Bee-Line bus stops, Bronx River and Cross County Pkwys, Cross County Mall, and Bronxville Village. A comfortable and stylish home in a desirable location!

1 Vincent Road Unit #1G, Bronxville
$285,000
2 Beds ⋅ 1 Baths ⋅ 956080 MLS
Renovated Jr. 4 sponsor unit in the beautifully maintained Kimberly Gardens. This is a 4th floor unit and is all ready to move into. This unit has been fully renovated with plenty of closet space. The large bedrooms is 11' x 17'; the living room is 12' x 30.5' and the small bedroom off the kitchen is 10' x 11'. The kitchen has all new cabinets, appliances, tile floor and a quartz counter top. The bathroom has been renovated with a modern look. This building is situated right across the street from the Cross County Shopping Center. The Fleetwood train station is less than a 10 min walk from the building. 6-12 month wait list for assigned parking.

1300 Midland Avenue Unit #A-36, Yonkers
$89,000
1 Baths ⋅ 952932 MLS
Bright second floor Studio apartment in most convenient location. This Sun-filled unit has spacious living room with plenty of space to include a home office area or dining area. Kitchen offers gas range with eat-in area. Full bath features soaker tub/shower combo. Good closet space, hardwood floors. 80/20 carpet rule. Welcoming Lobby, laundry room on site. Pet friendly. Nearby local shops, Cross County, Empire Casino, restaurants. Metro North railroad to NYC, 0.2 mile. Bronx River parkway. Non Smoking Building Credit score 700-730, DTI max 30%, POF for 20% down at contract, No bankruptcies last 60 months,6 month post closing reserve.

365 Bronx River Road Unit #2C, Yonkers
$195,000
1 Beds ⋅ 1 Baths ⋅ 951607 MLS
"Westchester County's best-kept secret" is how The New York Times referred to the Fleetwood neighborhood of Mount Vernon. And in the heart of it is Wellington Court, a stately, pre-war cooperative built in 1927. Fully renovated in 2018, BB4 in Building 6 is a bright, modern, 1-bedroom unit with high ceilings, large windows, and lots of light. The updated kitchen with natural stone countertops and stainless steel appliances is a walk-through that is very open and a pleasure to cook in. It has an eat-in area right in front of a large window and opens up into a larger dining area and living room with beautiful crown molding and refinished hardwood floors (2018). The renovations have created a great flow throughout the unit, allowing for lots of open space to utilize in the way that best suits your needs. The bright, spacious bathroom has also been updated, complete with relaxing rain shower head, while the large bedroom has plenty of smartly designed closet and storage space. With windows on two walls, it is a bright, peaceful space that will be a joy to wake up in. Building 6 is right across the street from CVS, a grocery store, post office, and bank for all of your conveniences. It is 0.3 miles to the Fleetwood train station, a 7-minute walk, and then a 27-minute express to Grand Central. Steps away is one of the best bakeries in Westchester, Fleetwood Bakery Shop, as well as a natural food market, a deli, a cafe, a burger place, a cozy tea house, an Italian restaurant, a Halal restaurant, and Joe's Pizzeria, famous for its Sicilian slices, along with other conveniences like a liquor store, a dry cleaner and much more. Driving is easy too with both the Bronx River and Cross County Parkways right around the corner. 5-minute drive to Bronxville and 5-minute drive to Cross County Shopping Center. This is a beautifully renovated unit in an amazingly convenient location to everything in Westchester as well as to NYC.

472 Gramatan Avenue Unit #Bldg 6, Unit BB4, Mount Vernon
$150,000
1 Baths ⋅ 953432 MLS
Welcome to 8 Dove Court, a spacious and updated studio offering comfort, convenience, and scenic surroundings. This well-maintained unit features a full bathroom, generous living space, and a beautiful water view that adds to its charm and appeal. The apartment offers excellent storage, including a large closet within the unit as well as an additional dedicated storage area conveniently located near the laundry room, which is just steps away from the apartment. A private back entrance leads to an exclusive outdoor deck area, providing a great extension of the living space. Additional highlights include an assigned parking spot and thoughtful updates throughout. A wonderful opportunity to enjoy a bright, spacious studio with water views, ample storage, and convenient amenities in a desirable Croton-on-Hudson location.

8 Dove Court Unit #8B, Croton-On-Hudson
$399,999
2 Beds ⋅ 1 Baths ⋅ 947991 MLS
Welcome to a thoughtfully renovated two-bedroom residence where Mediterranean charm meets classic sophistication. The entry foyer offers custom built-ins for generous storage and flows into an expansive living room showcasing rich hardwood floors, classic wainscoting, chair rail accents, and refined crown molding. The spacious layout is ideal for both comfortable everyday living and effortless entertaining. The thoughtfully designed kitchen provides ample cabinetry and workspace, while both bedrooms are generously sized and filled with natural light, offering peaceful retreats with excellent closet space. The renovated bathroom features tasteful finishes that complement the apartment’s refined aesthetic. Enhancing the appeal, the property offers a scenic waterfront setting with a common picnic area, ideal for relaxing and enjoying the coastal surroundings along the Long Island Sound. Conveniently located close to transportation, shopping, restaurants, and nearby beaches, this residence presents an exceptional opportunity for elegant coastal living with everyday convenience. One assigned parking space will be designated, either in the garage or in an outdoor space. Pets under 25 pounds are permitted. Please note that the maintenance does not reflect the New York State Star School Tax Exemption, which is approximately $146 per month. Additional Information: Amenities include: Storage, Laundry Room. Seller is willing to leave select personal property items, including dining room table, electric fireplace (2), wine bar, AC units as a courtesy.

450 Pelham Road Unit #3B, New Rochelle
$225,000
2 Beds ⋅ 1 Baths ⋅ 947303 MLS
Charming 2-bedroom gem in the impeccably maintained Parkview building—complete with dedicated parking. The primary bedroom boasts dual closets for effortless organization, while the versatile second bedroom adapts perfectly as a guest retreat, home office, or den. Kitchen boasts fresh countertops, chic subway tile backsplash, and abundant cabinetry. Walk-in closets, bright dining nook and expansive living room bathed in recessed lighting and oversized windows. Hall bath dazzles with crisp white vanity, LED-illuminated mirror, tiled tub/shower combo, and sleek new fixtures. Prime location near Saw Mill River Parkway, Metro-North/Amtrak, Bee-Line, Park Hill Racquet Club, Tibbetts Brook Park, and beyond. Fully Renovated. Monthly maintenance: just $954. Your dream space awaits—seize it!

245 Rumsey Road Unit #4K, Yonkers
$145,000
1 Beds ⋅ 1 Baths ⋅ 940820 MLS
Bright, Large1 Bedroom Newly painted and refinished hardwood floors with Kitchen and Dining Area. Updated Kitchen w/ Stainless Steel Appliances. Clean and Beautiful Unit thru out. 6 Generous Closets. Bus stops in from for complex or at the corner for: Pelham, Metro, White Plains, Downtown Mt Vernon, to NYC Metro). Easy to show. Board Requires: 700+ Credit, DTI -30-35%, 6 month reserves Post Closing, 20% Down payment, $75+ annual income, 2 years min employment and 7 to 12 months of mort plus maintenance.

465 E Lincoln Avenue Unit #516, Mount Vernon
$185,000
1 Beds ⋅ 1 Baths ⋅ 940178 MLS
Located in the heart of Larchmont is one of the most well kept and desirable elevator buildings. The unit needs updating. Just steps away from Metro North and town; with restaurants, shops and Turtle Park. There is a short waitlist for on site parking and the building has a on site super and porter, ground level laundry room and offers storage and bike rooms.

1299 Palmer Avenue Unit #225, Larchmont
$335,000
2 Beds ⋅ 1 Baths ⋅ 942223 MLS
Impeccably maintained first-floor 2BR unit featuring an updated kitchen with stainless steel appliances and granite countertops, along with a tastefully renovated bath. Filled with natural light and freshly painted in contemporary colors. Building updates include domestic hot water systems replaced in 2019. Common laundry and garbage facilities are located in the basement of each building. Garages are available via waitlist (187 total), rented at $65/month. Community requirements: minimum 20% down payment, $75,000 minimum income for a 2BR, two years of verifiable W-2s or 1099s with tax returns, and a minimum 730 credit score.

13 Bryant Cres Unit #1D, White Plains
$250,000
2 Beds ⋅ 1 Baths ⋅ 942719 MLS
Sunny & Spacious 2 bedroom unit in great condition! This large unit offers eat-in kichen, foyer/ dining area, large living room and two bedrooms. New appliances and wood floors throughout. This well maintained building offers an on site laundry room, elevator, and renting is allowed after one year of owner occupancy. The maintenance fee includes gas, hot water, heat and property taxes. No pets allowed. A commuter's dream with easy access to all! Just minutes from local shopping centers, major highways, and Metro North train station.

245 Bronx River Road Unit #7C, Yonkers
$218,000
2 Beds ⋅ 1 Baths ⋅ 942661 MLS
Discover the charm of this stunning two-bedroom, one-bath co-op in a highly sought-after neighborhood. This unit blends style and functionality, featuring a spacious layout with natural light streaming through large windows. The kitchen boasts ample cabinet space, perfect for culinary adventures. The bedrooms offer generous closets and serene views. Situated in a vibrant yet peaceful community, you'll enjoy easy access to trendy cafes, shops, parks, and public transit. This co-op combines comfort and convenience, making it the perfect place to call home. Garage on a wait-list.

247 Parkview Avenue Unit #6P, Bronxville
$135,000
1 Baths ⋅ 942595 MLS
Welcome to this spacious 625 sq ft co-op studio that lives like a convertible one-bedroom the perfect blank canvas to create your own New York gem. Located in a well-maintained building on Riverdale Ave, this unit offers functional layout options, abundant natural light, and plenty of potential to customize. Situated just minutes from Manhattan, this home provides excellent transportation access, including nearby buses, Metro North stations, and major highways making commuting to the city fast and easy. Whether you’re a first-time buyer or looking for an affordable retreat close to NYC, Unit 2U delivers convenience, space, and outstanding value.

480 Riverdale Unit #2U, Yonkers
$212,000
1 Beds ⋅ 1 Baths ⋅ 940074 MLS
Top-floor 1-bedroom co-op in the well-maintained Whitewood Gardens. This bright unit features a comfortable living room, a defined dining area, and a practical kitchen layout. The bedroom offers ample space and steady natural light. Assigned parking and neatly kept grounds add daily convenience. Located near key local amenities, including New Rochelle’s waterfront areas. Glen Island Park is approximately 2 miles away and the Echo Bay/Harbor area is also just minutes from Pelham Road. The property provides close access to shops, dining, public transportation, and major roadways. This is a well-managed co-op offering a solid opportunity in New Rochelle.

643 Pelham Road Unit #6D, New Rochelle
$169,000
1 Beds ⋅ 1 Baths ⋅ 937448 MLS
Welcome to this charming one-bedroom residence in the highly sought-after Wykagyl Gardens, a distinguished pre-war building known for its timeless appeal. This delightful home offers a spacious living room and dining area, along with a nice size bedroom all adorned with beautiful hardwood floors. The windowed bathroom has been tastefully renovated. Situated in an ideal location, this property provides unparalleled convenience with close proximity to places of worship, dining, shopping centers, daily necessities, post office, highways, and public transportation. Indoor parking is available at a rate of $100 per month, while outdoor assigned parking is offered at $75 per month, subject to a waitlist. Don't miss the opportunity to make this charming one bedroom your new home. With its desirable location, it offers a perfect blend of convenience and character. Experience the unique lifestyle that Wykagyl Gardens has to offer and enjoy the benefits of living in a wonderful community that truly feels like home. The flip tax is $5.00 per share and is paid by both the seller and buyer.

1273 North Avenue Unit #1G. Entry 3, New Rochelle
$65,000
1 Baths ⋅ 938750 MLS
Why rent when you could own for less. This studio apartment is exactly what you've been looking for! This handyman special is ready for your personal touch. It has tons of potential. This apartment is located near downtown White Plains, down the block from shopping centers , parks, and fitness centers! Great for those who commute to the city because this unit is just a short walk to the Metro North! There are also buses ( Hudson link) very close by which go to Rockland and Stamford.

6 Bryant Crescent Unit #1H, White Plains
$145,900
1 Baths ⋅ 935240 MLS
Charming Yonkers Studio with Stunning Views low-Maintenance Gem in Prime Location. Discover this beautifully maintained studio in a highly desirable Yonkers neighborhood, offering breathtaking views and an unbeatable location. Low maintenance fee of $822/month before star credit, spacious windowed kitchen perfect for cooking enthusiasts of all levels, well-appointed windowed bathroom, cozy living area with versatile alcove space, convenient dining area ideal for sharing meals. Building amenities include. Laundry room, Meeting room, Parking, and well maintained common areas. Prime Location. Close proximity to public transportation, 4-minute drive to Glenwood Metro North station or 14-minute bus ride. Nearby attractions, Hudson River Museum, The Vista Overlook, JFK Marina and Park, Shops, Schools, and places of worship. Don't miss this fantastic opportunity! schedule a viewing and make this charming studio your home.

679 Warburton Avenue Unit #1M, Yonkers
$140,000
1 Beds ⋅ 1 Baths ⋅ 933973 MLS
Step into this beautifully renovated one-bedroom home offering a seamless blend of modern design, functionality, and comfort. Thoughtfully updated throughout, this spacious residence features wide-plank wood-style flooring, freshly painted walls, and ample natural light that creates a bright and inviting atmosphere. The contemporary kitchen showcases white shaker cabinetry, countertops, a sleek tile backsplash, and full-sized stainless-steel appliances, including a gas range. The bedroom offers generous space, comfortably able to fit a king size bed with additional furniture, and storage with a double-door closet and clean, neutral finishes. This move-in ready co-op delivers both style and practicality in a desirable location. Gate house with guard upon complex entry, Laundry on first floor, One guaranteed outdoor parking space assigned at closing for $75/month, plus a storage room space and bike room space (free of charge). ------ Minimum Financial Requirements for Purchase Applicants: 1) Minimum Equifax FICO 5.0 Credit Score of 740 or above, per applicant, required. 2) Required Minimum Debt to Income Ratio – not to exceed 30%. This includes ongoing costs such as maintenance, mortgage, taxes, other real estate, etc. 3) 20% Total Down Payment. 10% at contract signing required; balance due at closing. 4) Minimum of 2 years of Salary and Work History, required. 5) Minimum Cash Balance sufficient to meet 6 months of living expenses after payment of down payment and other related closing costs, required.

609 Palmer Road Unit #3M, Yonkers

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.