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Arden

32 Powder Creek Trail Arden NC 28704

Arden, NC32 Powder Creek Trail

Price$1,500,000

Est. Mortgage: $/month

MLS Number CAR3818829

  • Residential
  • Bedrooms 5
  • Bathrooms 5
  • Square Feet 4,834
  • Year Built 2006

Enjoy the peaceful wooded seclusion of the Millstream enclave just a few steps from the trails, pond and waterfall in The Cliffs at Walnut Cove. This lovely Arts & Crafts style cottage will delight the nature lover with an expansive screened porch and outdoor fireplace. Be amazed at the light that pours into the open floor plan with 2-story great room. Quality built Fieldstone plan by Tyner Construction; numerous upgrades include a morning kitchen, bar and climate-controlled wine cellar. Luxurious primary suite has coffered ceilings and heated tile floors. Hardwood floors refinished in 2020. A carefree low maintenance home within walking distance of the world-class fitness center, indoor and outdoor pools and tennis courts. A short drive will take you to the Tavern and Golf House overlooking the Jack Nicklaus signature golf course. A 20-minute drive will take you into downtown Asheville, NC. Membership is available with this home. Some furnishings negotiable.

Listed by Janet Whitworth of Premier Sothebys International Realty

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$/month over payments
Federal 30-year interest rate: 3.45% last updated on Jan 13, 2022
* All Figures are estimates. Check with your bank or proposed mortgage company for actual interest rates.
This product uses the FRED® API but is not endorsed or certified by the Federal Reserve Bank of St. Louis.

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30 Mallard Run Drive Arden NC 28704

Arden, NC30 Mallard Run Drive

Price$365,000

Est. Mortgage: $/month

MLS Number CAR3816422

  • Residential
  • Full Bath 2
  • Square Feet 1,348
  • Year Built 2015
  • Bathrooms 2

Built in 2015, this Arden two-story home offers a one-car garage.

Listed by Verria Hairston of Opendoor Brokerage LLC

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$/month over payments
Federal 30-year interest rate: 3.45% last updated on Jan 13, 2022
* All Figures are estimates. Check with your bank or proposed mortgage company for actual interest rates.
This product uses the FRED® API but is not endorsed or certified by the Federal Reserve Bank of St. Louis.

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8 Lifestyle Court Arden NC 28704

Arden, NC8 Lifestyle Court

Price$595,000

Est. Mortgage: $/month

Pending

MLS Number CAR3819954

  • Residential
  • Full Bath 3
  • Square Feet 2,358
  • Year Built 2022
  • Bathrooms 3

PROPOSED CONSTRUCTION - Price shown is pre-construction. Final pricing may change due to the volatility of material pricing & selection of options/upgrades, and will be determined during the due diligence period within the purchase agreement. This quality Arts & Crafts style home features No Yard Work, Main-Floor Living, Low Maintenance Exteriors, with Pool and Clubhouse in place! Enjoy 1.25 miles of nature trails. Pinnacle at Arabella is a private, gated community in a desirable South Asheville/Arden location. Just a few of the standard features: vaulted & tray ceilings, sun room off of master, granite countertops, Bosch appliance packages, hardwood floors, gas fireplace, tankless on-demand water heater, Energy Star certified construction. NO City Taxes (county only), high-speed fiber-optic internet, natural gas, city water & sewer. PROPOSED CONSTRUCTION - All photos are of similar model.

Listed by Mark Floan of Berkshire Hathaway HomeService

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$/month over payments
Federal 30-year interest rate: 3.45% last updated on Jan 13, 2022
* All Figures are estimates. Check with your bank or proposed mortgage company for actual interest rates.
This product uses the FRED® API but is not endorsed or certified by the Federal Reserve Bank of St. Louis.

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10 Memory Lane Arden NC 28704

Arden, NC10 Memory Lane

Price$415,000

Est. Mortgage: $/month

Pending

MLS Number CAR3819200

  • Residential
  • Full Bath 2
  • Square Feet 1,446
  • Year Built 2017
  • Bathrooms 2

Adorable 3 bed 2 bath on 1.3 acres conveniently located near I-26 in Arden. Enjoy the outdoor spaces as well as cozy indoor open floor plan. Kitchen with ample cabinet space, center island, and stainless steel appliances. Large master bedroom with an elegant walk in shower in the master bath. Each bedroom equipped with its own walk in closet. Enjoy the front covered porch or grill out on the back deck while enjoying the fenced in back yard. Tons of amenities surround this home such as; Bent Creek, Biltmore Park, French Broad River, Arboretum, Blue Ridge Parkway, North Mills Recreation area, etc. See link to short video of this beautiful home https://vimeo.com/663205361/75e6d606f5.

Listed by Aaron Duffy and Cameron Kennedy of EXP Realty LLC

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$/month over payments
Federal 30-year interest rate: 3.45% last updated on Jan 13, 2022
* All Figures are estimates. Check with your bank or proposed mortgage company for actual interest rates.
This product uses the FRED® API but is not endorsed or certified by the Federal Reserve Bank of St. Louis.

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39 Pine Ridge Trail Arden NC 28704

Arden, NC39 Pine Ridge Trail

Price$385,000

Est. Mortgage: $/month

Active With Contract

MLS Number CAR3819208

  • Residential
  • Full Bath 2
  • Square Feet 1,660
  • Year Built 1991
  • Bathrooms 2

3 bedroom, 2 bath one level living on a great lot in The Villages at Avery's Creek. New flooring, roof new in 2014, new interior and exterior paint, new gas log fireplace, new HVAC. Small fenced in space for dogs, wooded private lot. Split bedroom plan.

Listed by Kelly Frady and Sandra Justus of Beverly-Hanks,Merrimon

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$/month over payments
Federal 30-year interest rate: 3.45% last updated on Jan 13, 2022
* All Figures are estimates. Check with your bank or proposed mortgage company for actual interest rates.
This product uses the FRED® API but is not endorsed or certified by the Federal Reserve Bank of St. Louis.

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20 Baldwin Court Arden NC 28704

Arden, NC20 Baldwin Court

Price$415,000

Est. Mortgage: $/month

Active With Contract

MLS Number CAR3792099

  • Residential
  • Year Built 1968
  • Bathrooms 3
  • Bedrooms 3
  • Square Feet 2,329

Back on Market. Inspection now available upon request. Situated on almost a full acre and located in highly desirable and excessively peaceful Arden, NC. this beautifully maintained 3/3 boasts split level living at its best. With the unique ability to separate the living areas into two units for use as a mother in law suite or whatever your heart desires, this home holds many options of happiness for you the new owners. Enjoy the fenced yard with shed for all your tools, a beautiful one car garage for your favorite toy(s) a full and lovingly crafted garden space with asparagus bed already running, an installed water feature out front and enough parking for all your friends and family all while conveniently located to schools, shopping, dining and anything else you may need. Virtual walkthrough available at the following link. https://listings.wncrealestatephotography.com/v2/20-baldwin-ct-arden-nc-28704-1266076/branded

Listed by Brad McClain and Malik Johnson of High Vistas Realty

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$/month over payments
Federal 30-year interest rate: 3.45% last updated on Jan 13, 2022
* All Figures are estimates. Check with your bank or proposed mortgage company for actual interest rates.
This product uses the FRED® API but is not endorsed or certified by the Federal Reserve Bank of St. Louis.

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6 Bramblewood Road Arden NC 28704

Arden, NC6 Bramblewood Road

Price$518,000

Est. Mortgage: $/month

MLS Number CAR3817741

  • Residential
  • Bathrooms 2
  • Square Feet 1,947
  • Year Built 1978
  • Bedrooms 3

Great home in great location. Located on 25A close to restaurant's, shopping, the listing goes on. This home has been completely remodeled. The list of updates includes open floor plan, granite counters, prefinished hickory floors, HC/AC, new roof, etc. Enjoy the classic brick ranch style with new upgrades that set the home apart from others!

Listed by Carl Brown of BluAxis Realty

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$/month over payments
Federal 30-year interest rate: 3.45% last updated on Jan 13, 2022
* All Figures are estimates. Check with your bank or proposed mortgage company for actual interest rates.
This product uses the FRED® API but is not endorsed or certified by the Federal Reserve Bank of St. Louis.

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31 Yorktown Circle Arden NC 28704

Arden, NC31 Yorktown Circle

Price$475,000

Est. Mortgage: $/month

Active With Contract

MLS Number CAR3818266

  • Residential
  • Full Bath 2
  • Year Built 2005
  • Bedrooms 4
  • Square Feet 2,181

Beautiful home in prime location! Mostly one level living with 3 bedrooms downstairs and the 4th in the bonus room over the garage. Open floorplan with soaring ceilings and skylights create a comfortable living space. The sunroom is bright letting in natural light and offers a gas log fireplace ready for cooler evenings. Enjoy cooking or entertaining in the thoughtfully laid-out kitchen. The large primary suite has a sitting area in the bedroom, well-designed closet organizers, and a large bath area. As this is a split bedroom plan there are two bedrooms on the other side of the home and a shared bathroom. Step outside to enjoy the fenced, level back yard, complete with a firepit and separate patio. There are fruit trees on the other side of the fence. The property backs up to green space with walking trails. Other community features include a community pool and clubhouse. Additional overhead storage space in the garage and workshop area with wall heater. New roof in 2021.

Listed by Lauri Palko of Keller Williams Professionals

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$/month over payments
Federal 30-year interest rate: 3.45% last updated on Jan 13, 2022
* All Figures are estimates. Check with your bank or proposed mortgage company for actual interest rates.
This product uses the FRED® API but is not endorsed or certified by the Federal Reserve Bank of St. Louis.

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18 Chipping Green Drive Arden NC 28704

Arden, NC18 Chipping Green Drive

Price$459,000

Est. Mortgage: $/month

Active With Contract

MLS Number CAR3804034

  • Residential
  • Bathrooms 3
  • Full Bath 3
  • Year Built 1977
  • Square Feet 2,455

Meticulously maintained, brick/board-and-batten, 4 BD/3 BA home in the St. Andrews neighborhood of Arden's Brookwood community. Conveniently located on a quiet cul-de-sac close to shopping, restaurants, and the Asheville airport. New interior paint and carpet, plus abundant natural light contribute to this contemporary jewel's shine, and there is plenty of opportunity for outdoor living on the beautiful, large, private lot, starting with a large back deck for enjoying the serenity of nature. Mostly one-level living with a spacious lower level that would make the perfect home office or second family room. One owner for the last 28 years has made for a worry-free, immaculate home. Come see for yourself!

Listed by Laura Moye of Mosaic Community Lifestyle Realty

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$/month over payments
Federal 30-year interest rate: 3.45% last updated on Jan 13, 2022
* All Figures are estimates. Check with your bank or proposed mortgage company for actual interest rates.
This product uses the FRED® API but is not endorsed or certified by the Federal Reserve Bank of St. Louis.

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119 Meadow Breeze Road Arden NC 28704

MLS Number CAR3815181

  • Residential
  • Bedrooms 3
  • Square Feet 1,484
  • Year Built 2022
  • Bathrooms 2

This community truly offers it all! The Ferndale floor plans incorporate state-of-the-art, ecosmart craftsmanship and a beautiful open floor plan featuring a spacious entertaining area and built in bar. Construction to be completed by a Parade of Homes award winning elite home builder. With the availability of public water, sewer, and gas, this home provides the flexibility you're looking for when creating and decorating your dream home. Located within the heart of it all, the community is only 10 minutes to Downtown Asheville, I-26, and is convenient to grocery, shops, dining, and more.

Listed by Rachael Hicks of Coldwell Banker King-Hendersonville

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$
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$/month over payments
Federal 30-year interest rate: 3.45% last updated on Jan 13, 2022
* All Figures are estimates. Check with your bank or proposed mortgage company for actual interest rates.
This product uses the FRED® API but is not endorsed or certified by the Federal Reserve Bank of St. Louis.

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12 Mountain Road Arden NC 28704

Arden, NC12 Mountain Road

Price$469,900

Est. Mortgage: $/month

Active With Contract

MLS Number CAR3818018

  • Residential
  • Bathrooms 4
  • Square Feet 2,605
  • Year Built 1994
  • Bedrooms 4

If you've been looking for a great home in Arden, then this is it! Come and see this large 2 story/basement home That has been given upgrades from head to toe! From a new roof, new light fixtures, to brand new matching appliances in the improved kitchen, this home has received a serious makeover! There is a mother in law suite in the finished part of the basement with 853 square feet, a full bath and a kitchen. Going up the garage onto the main you will come through a mud room with even more cabinets, that have been repainted, for storage! There are beautiful winter mountain views that can be seen from the covered back porch. This Home even features a dog bath in the garage! WELCOME HOME!!!

Listed by John Duncan of Seller Solutions

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$/month over payments
Federal 30-year interest rate: 3.45% last updated on Jan 13, 2022
* All Figures are estimates. Check with your bank or proposed mortgage company for actual interest rates.
This product uses the FRED® API but is not endorsed or certified by the Federal Reserve Bank of St. Louis.

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77 Fair Oaks Road Arden NC 28704

Arden, NC77 Fair Oaks Road

Price$185,000

Est. Mortgage: $/month

Active With Contract

MLS Number CAR3816210

  • Residential
  • Year Built 1957
  • Bathrooms 1
  • Full Bath 1
  • Square Feet 1,091

Incredible opportunity to bring this solid classic home back to life! Perfectly located in a well established neighborhood (with community park!) this diamond in the rough shouldn't need all that much to make it shine! On a very gently sloping and generous lot with a separate two car garage/workshop (with power!) This is a chance that doesn't come around very often! Call today for a showing! Prequal req to view. Property shown Saturday and Sunday Jan 8th/9th and Monday 10th until noon with offer deadline of Monday Jan 10th 5pm. All parties notified Tues Jan 11th. As there is such strong interest, please bring your best offer first! Also available with additional/adjacent acreage (see MLS 3816213) for $250k

Listed by Jason Brodsky of EXP Realty LLC

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$/month over payments
Federal 30-year interest rate: 3.45% last updated on Jan 13, 2022
* All Figures are estimates. Check with your bank or proposed mortgage company for actual interest rates.
This product uses the FRED® API but is not endorsed or certified by the Federal Reserve Bank of St. Louis.

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316 Carrington Place Arden NC 28704

Arden, NC316 Carrington Place

Price$220,000

Est. Mortgage: $/month

Active With Contract

MLS Number CAR3816642

  • Condo
  • Property SubType CONDOMINIUM
  • Bedrooms 2
  • Full Bath 2
  • Bathrooms 2

This is the condo you're looking for! In the sought-after Carrington Place community, this 2 bedroom, 2 bathroom unit is beautifully updated and boasts a gas log fireplace, large bedrooms and closets, a split bedroom plan, and nicely updated baths. The kitchen provides tons of cabinet space, a double basin sink, subway tiles, and a pass-through window to the living area. This home has tons of closet space, including the exterior storage closet off your balcony. You are greeted into your home by the built-in entryway bench, coat hooks, and shelf! Carrington Place is perfectly located in South Buncombe County near the shopping districts off Airport Road and Hendersonville Road, less than ten minutes to Biltmore Park, and 20-25 minutes to Downtown Asheville and Hendersonville. Don't miss this opportunity to love where you live!

Listed by Tucker Rhinehart of Keller Williams Elite Realty

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$
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$/month over payments
Federal 30-year interest rate: 3.45% last updated on Jan 13, 2022
* All Figures are estimates. Check with your bank or proposed mortgage company for actual interest rates.
This product uses the FRED® API but is not endorsed or certified by the Federal Reserve Bank of St. Louis.

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3 Henbit Way Arden NC 28704

Arden, NC3 Henbit Way

Price$549,000

Est. Mortgage: $/month

Open House

MLS Number CAR3816788

  • Residential
  • Next Open House: Sun 01/16 3:00 pm. to 5:00 pm.
  • Full Bath 2
  • Bathrooms 3
  • Square Feet 2,822

Incredible home in desirable Balsam Ridge in Arden. Built in 2018 this house is better than new! This home is filled with light and it has a great floor plan! The kitchen is connected to the family room with stunning high ceilings, stacked windows and a gas fireplace. The kitchen has stainless steel appliances, new gleaming quartz countertops and a large corner pantry. From there a glass door opens up to a patio and an amazing and oversized semi-level and completely fenced-in yard with the greenest grass you'll see this time of the year! Patio Furniture and firepit conveys! Also on the main level there is a formal living room and a formal dining room flanking each side of the foyer, a half bath (that can easily be converted into a full bath) and a den bedroom that has a murphy bed that conveys!. On the 2nd floor there are 4 bedrooms, 2 baths and the laundry, and the hallway overlooks the family room below. This is a MUST see home!! Photos available on 01/13, showings to begin 01/14

Listed by Valeria Carrizo-Wyda of Keller Williams Professionals

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$
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$/month over payments
Federal 30-year interest rate: 3.45% last updated on Jan 13, 2022
* All Figures are estimates. Check with your bank or proposed mortgage company for actual interest rates.
This product uses the FRED® API but is not endorsed or certified by the Federal Reserve Bank of St. Louis.

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0000 Judson Ridge Road Arden NC 28704

MLS Number CAR3815137

  • Residential
  • Full Bath 2
  • Bedrooms 3
  • Bathrooms 3
  • Square Feet 2,358

Amazing TO BE BUILT 3bd/2.5ba modern farmhouse. Conveniently located 10 min from Asheville airport and 25 min to downtown Asheville in great neighborhood Open floor plan with spacious Master Bedroom suite on the main floor and high dormer windows for extra sun light. Kitchen and breakfast area open to the great room with fireplace and. Plans, specs for home, and other info in MLS attachments. Other lots are available. Feel free to inquire.

Listed by Jennifer Hubbell of Keller Williams Realty Mountain Partners

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$
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$/month over payments
Federal 30-year interest rate: 3.45% last updated on Jan 13, 2022
* All Figures are estimates. Check with your bank or proposed mortgage company for actual interest rates.
This product uses the FRED® API but is not endorsed or certified by the Federal Reserve Bank of St. Louis.

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20 Village Oak Drive Arden NC 28704

Arden, NC20 Village Oak Drive

Price$1,250,000

Est. Mortgage: $/month

Active With Contract

MLS Number CAR3815829

  • Residential
  • Property SubType TOWNHOUSE
  • Bathrooms 3
  • Bedrooms 3
  • Square Feet 3,689

Live with luxurious convenience. Just past the gate you'll be greeted by a lovely waterfall. Arrive to a vaulted great room with hammer trusses framing an open floor plan. Cook together with tasteful Wolf range, Sub-Zero fridge, micro-drawer, and gorgeous granite island. Open accordion doors wide onto a covered terrace with automated screening. Take a three-stop elevator up to the exclusive primary suite boasting a sitting area, balcony, two-walk in closets, second laundry, and luxury bath with stream shower & jet-tub. Take the turret's winding stairs or the elevator to the large lower level rec-room, family room, guest suite, and large patio with fireplace and amazing fountain. Follow a path just a few steps to the golf clubhouse, tavern, and restaurant. Enjoy miles of hiking trails, fresh produce from Creekside Farm, and optional club membership featuring access to an 18,000 sqft wellness center with classes, indoor & outdoor pools, and Jack Nicklaus golf at 7 Cliffs communities.

Listed by Town and Mountain Realty

$
$
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$/month over payments
Federal 30-year interest rate: 3.45% last updated on Jan 13, 2022
* All Figures are estimates. Check with your bank or proposed mortgage company for actual interest rates.
This product uses the FRED® API but is not endorsed or certified by the Federal Reserve Bank of St. Louis.

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115 Meadow Breeze Road Arden NC 28704

MLS Number CAR3815193

  • Residential
  • Bedrooms 3
  • Year Built 2022
  • Square Feet 1,544
  • Full Bath 2

Welcome to your new home! This community truly offers it all!. With the availability of public water, sewer, and gas, this home provides the flexibility you're looking for when moving into your dream home. Located within the heart of it all, the community is only 10 minutes to Downtown Asheville, I-26, and is convenient to grocery, shops, dining, and more. The bayfield boasts an open living area, three bedrooms, two bathrooms, and a total of 1544 square feet. Beautiful finishes and amazing home quality to be completed by an experienced builder and previous parade of homes winner! Enjoy mountain views in the number one area in demand in WNC.

Listed by Rachael Hicks of Coldwell Banker King-Hendersonville

$
$
%
$/month over payments
Federal 30-year interest rate: 3.45% last updated on Jan 13, 2022
* All Figures are estimates. Check with your bank or proposed mortgage company for actual interest rates.
This product uses the FRED® API but is not endorsed or certified by the Federal Reserve Bank of St. Louis.

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18 Hidden Hills Way Arden NC 28704

Arden, NC18 Hidden Hills Way

Price$1,550,000

Est. Mortgage: $/month

Pending

MLS Number CAR3815559

  • Residential
  • Bedrooms 3
  • Square Feet 2,745
  • Year Built 2006
  • Bathrooms 3

This immaculate home in The Cliffs at Walnut Cove offers unparalleled natural beauty along with easy access to all the culinary and cultural amenities of nearby Asheville. Situated on a premium lot in the exclusive Millstream enclave, this luxury home provides scenic mountain views year-round from its expansive screened in porch, accentuated by a cozy outdoor/indoor fireplace. High ceilings and a stone hearth welcome you into the main living area with a chef's kitchen. The open floor plan with the first-floor master is ideal for easy living and entertaining. This quality-built home is freshly painted with upgrades throughout, including renovated master and guest bath, heated tile flooring in master bath, Anderson 400 series windows, recirculating hot water system, upgraded lighting package, landscaping upgrades and a premium finished garage. This carefree, low-maintenance home also allows you to enjoy all the amenities that The Cliffs has to offer.

Listed by Joseph Kendrick of USRealty.com,LLP

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$
%
$/month over payments
Federal 30-year interest rate: 3.45% last updated on Jan 13, 2022
* All Figures are estimates. Check with your bank or proposed mortgage company for actual interest rates.
This product uses the FRED® API but is not endorsed or certified by the Federal Reserve Bank of St. Louis.

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7 Muirfield Circle Arden NC 28704

Arden, NC7 Muirfield Circle

Price$499,900

Est. Mortgage: $/month

Active With Contract

MLS Number CAR3814837

  • Residential
  • Bathrooms 3
  • Bedrooms 3
  • Full Bath 2
  • Square Feet 1,711

Video available! Great curb appeal and a wonderful setting and quiet neighborhood for this immaculate home. Based in Arden - one of the most popular areas to live, for proximity to Asheville NC and Hendersonville NC, and all the conveniences. Granite and stainless steel in the kitchen with maple cabinets. Everything looks brand new, hand scraped hardwood engineered floors throughout home - no carpet! Natural gas log fireplace, was log so likely could convert if you wanted to. Private terrace at back surrounded by trees, with low voltage lighting. Two car garage. Office, dining and three bedrooms. Completely remodeled owner bedroom with free standing tub and double vanity. All closets have high end built ins. Much of the furniture is available if wanted. Seller requests to watch video before requesting showing.

Listed by Ro Patton of AllStar Powerhouse

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$
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$/month over payments
Federal 30-year interest rate: 3.45% last updated on Jan 13, 2022
* All Figures are estimates. Check with your bank or proposed mortgage company for actual interest rates.
This product uses the FRED® API but is not endorsed or certified by the Federal Reserve Bank of St. Louis.

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13 Summit Drive Arden NC 28704

Arden, NC13 Summit Drive, Unit 15

Price$349,900

Est. Mortgage: $/month

Active With Contract

MLS Number CAR3814012

  • Residential
  • Year Built 1965
  • Bedrooms 4
  • Full Bath 2
  • Bathrooms 2

Welcome home to 13 Summit Drive! This 4 bedroom 2 bath home is located on a quite street and only a half a mile from Glen Arden Elementary School. Home has a great fenced in back yard and back patio with a built in brick fire pit, perfect for entertaining and cool winter evenings. Water heater replaced in 2018, roof inspected in 2019. Cabinets in dining room and garage do not convey, hand made bar can be left if buyer would like it or seller will remove.

Listed by Casey Maness of Lantern Realty Asheville

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$
%
$/month over payments
Federal 30-year interest rate: 3.45% last updated on Jan 13, 2022
* All Figures are estimates. Check with your bank or proposed mortgage company for actual interest rates.
This product uses the FRED® API but is not endorsed or certified by the Federal Reserve Bank of St. Louis.

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Broker Reciprocity © 2022 Listings courtesy of Canopy MLS as distributed by MLS GRID. IDX information is provided exclusively for consumers’ personal non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. The IDX data is deemed reliable but is not guaranteed by MLS GRID and may be subject to an end user license agreement prescribed by the Member Participant’s applicable MLS.  Based on information submitted to the MLS GRID as of January 16, 2022 1:44 PM EST . 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.