Town & Mountain Realty

Some companies have branches, We have roots

Find Your New Home

Ask Us A Question

Do not fill in this field:

Candler

14 Light Cahill Court Candler NC 28715

Candler, NC14 Light Cahill Court

Price$1,100,000

Est. Mortgage: $/month

Pending

MLS Number CAR3789948

  • Residential
  • Bathrooms 5
  • Square Feet 4118
  • Full Bath 4
  • Bedrooms 5

Overlooking the lake from the end of a cul de sac, this private setting provides the ideal location within Biltmore Lake. Recent expansion and updates make this home so accommodating to owners and guests alike. Newly finished lower level offers guest their own private living suite. Solar photoovoltaic panels make for very low power bills. Enjoy the view across the lake from the screened porch or new patio. Every detail has been attended to in this immaculate home.

Listed by John Witherspoon of Witherspoon Platt Associates

$
$
%
$/month over payments
Federal 30-year interest rate: 2.88% last updated on Sep 23, 2021
* 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.

Save FavoriteSchedule TourAsk A QuestionMore Details

39 Vintage Road Candler NC 28715

Candler, NC39 Vintage Road

Price$415,000

Est. Mortgage: $/month

MLS Number CAR3789893

  • Residential
  • Bathrooms 2
  • Bedrooms 3
  • Full Bath 2
  • Square Feet 1876

Best kept secret in Candler! This cozy home sits on over an acre lot in a quite gated community. Take in the gorgeous views while you enjoy morning coffee or evenings in the hot tub on the private back patio. So many opportunities to create your own outdoor oasis in this partially fenced, flat yard that backs up to vast farmland. The spacious kitchen gives way to a bright, open floor plan living and dining area that is ideal for entertaining. Potential to easily expand the square footage by finishing out the upstairs. Feels like you are out in the country, but you are minutes from the interstate for a quick jaunt east to downtown Asheville or west to downtown Canton and Waynesville!

Listed by Paige Bass of Modern Mountain Real Estate Company LLC

$
$
%
$/month over payments
Federal 30-year interest rate: 2.88% last updated on Sep 23, 2021
* 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.

Save FavoriteSchedule TourAsk A QuestionMore Details

316 E Forest Place Candler NC 28715

Candler, NC316 E Forest Place

Price$749,000

Est. Mortgage: $/month

MLS Number CAR3789841

  • Residential
  • Bathrooms 3
  • Bedrooms 4
  • Full Bath 2
  • Square Feet 3772

4 Bedroom. 2 1/2 Bath

Listed by Susan Ayers of Clickit Realty

$
$
%
$/month over payments
Federal 30-year interest rate: 2.88% last updated on Sep 23, 2021
* 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.

Save FavoriteSchedule TourAsk A QuestionMore Details

24 Liberty Circle Candler NC 28715

Candler, NC24 Liberty Circle

Price$275,000

Est. Mortgage: $/month

MLS Number CAR3789687

  • Residential
  • Square Feet 1780
  • Bedrooms 2
  • Year Built 1973
  • Full Bath 2

Enjoy the appeal of country living coupled with convenience in this well maintained 2 bedroom home. Functional kitchen offers ample cabinetry. Dining room opens to the covered back porch that is the perfect place for rocking chair afternoons or outdoor dining. Spacious living room. Primary bedroom has it's own half bath. Sizable second bedroom and hall bath complete the main level. Tucked away on a corner lot with easy access. This home has been lovingly cared for and is waiting for your personal touches.

Listed by Rachel Ellege and Michelle McElroy of Beverly-Hanks - Waynesville

$
$
%
$/month over payments
Federal 30-year interest rate: 2.88% last updated on Sep 23, 2021
* 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.

Virtual TourSave FavoriteSchedule TourAsk A QuestionMore Details

8 Enka Orchard Street Candler NC 28715

Candler, NC8 Enka Orchard Street

Price$250,000

Est. Mortgage: $/month

MLS Number CAR3769392

  • Residential
  • Square Feet 903
  • Full Bath 1
  • Year Built 1930
  • Bedrooms 3

Welcome home to beautiful Historic Enka Village. Original hardwood floors throughout, spacious kitchen and three bedrooms, or one bedroom could be used as a dining room. This home offers lots of natural light and is completely cozy. The back deck offers lovely views of the mountains year round and could be expanded to make an even larger outdoor living area. The backyard is completely fenced to keep your doggies in and the back alley provides access to additional parking. Enka Village offers sidewalks, street lights and a one time opportunity to purchase a pass to Biltmore (Enka) Lake amenities. Enka Village is located in Asheville City Limits and does not allow Short Term Rentals.

Listed by Cami Silver of Ivester Jackson Blackstream

$
$
%
$/month over payments
Federal 30-year interest rate: 2.88% last updated on Sep 23, 2021
* 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.

Save FavoriteSchedule TourAsk A QuestionMore Details

160 Rhinehart Road Candler NC 28715

Candler, NC160 Rhinehart Road

Price$480,000

Est. Mortgage: $/month

MLS Number CAR3736172

  • Residential
  • Full Bath 2
  • Bedrooms 3
  • Year Built 2004
  • Square Feet 2670

Nestled among the rolling hills and farm land in Candler is a beautiful colonial home with tons of space to grow! On 2 Lots being sold together - 1.45 acres! A creek borders a portion of Lot 2. Lot 1 is flat and open with mountain views, plenty of space to entertain, and garden alongside wild blackberries and raspberries. Lot 2 is wooded and sloping creating privacy. The possibilities are endless for the open use of Lot 2! This colonial home has been freshly painted and has an inviting open floor plan with large rooms for entertaining. On the main floor, you are greeted with a den, a large dining area, and a warm family room with a fireplace. The second floor has three oversized large bedrooms, an office, a laundry room, and an extra large bonus room with a walk in closet that could be used as a 4th bedroom! Fantastic Location-within minutes of the Blue Ridge Pkwy, downtown Asheville, shopping, dining, schools, gyms, entertainment, and I-40!

Listed by Georgiana MacKay of EXP Realty LLC

$
$
%
$/month over payments
Federal 30-year interest rate: 2.88% last updated on Sep 23, 2021
* 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.

Save FavoriteSchedule TourAsk A QuestionMore Details

42 Hamrick Drive Candler NC 28715

MLS Number CAR3789137

  • Residential
  • Year Built 2021
  • Full Bath 3
  • Bathrooms 3
  • Square Feet 1995

Great Brookechase plan lives large with 4 bedrooms and 2.5 baths. Kitchen features granite, stainless Whirlpool stove, range, dishwasher and disposal, plus a large pantry and Shaker style cabinets. There is a cozy fireplace for cool evenings! Family room adjoins formal dining or flex room. Full basement is rough plumbed for a full bathroom. The full basement with roughed out full bath and interior/exterior entry offers endless possibilities.

Listed by Debby Smith of Coldwell Banker King

$
$
%
$/month over payments
Federal 30-year interest rate: 2.88% last updated on Sep 23, 2021
* 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.

Save FavoriteSchedule TourAsk A QuestionMore Details

900 Vista Lake Drive Candler NC 28715
Pending

MLS Number CAR3777016

  • Condo
  • MLS Status Pending
  • Property SubType CONDOMINIUM
  • Bathrooms 2
  • Bedrooms 2

Beautiful 2 bedroom, 2 bathroom Condo on the 2nd floor with views. Condo is occupied by tenant, lease ends 12/31/21 Located in highly desired convenient community with swimming pool, business center, playground, walking trails, picnic areas and car wash bay. and dog park.

Listed by Debbie Beverly of Hominy Creek Realty Inc

$
$
%
$/month over payments
Federal 30-year interest rate: 2.88% last updated on Sep 23, 2021
* 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.

Save FavoriteSchedule TourAsk A QuestionMore Details

33 White Owl Drive Candler NC 28715

Candler, NC33 White Owl Drive

Price$215,000

Est. Mortgage: $/month

MLS Number CAR3788431

  • Residential
  • Bathrooms 2
  • Bedrooms 3
  • Full Bath 2
  • Square Feet 1680

Enjoy acreage and a spacious home in the country! Lovingly cared for home perched on the mountain with beautiful winter views! This home has a bright open kitchen with a breakfast bar, large living room with a fireplace, big master suite with a private bath, and spacious walk-in closets. It also sits on 2 acres with no restrictions! Priced to sell!

Listed by Amy Shuford of Fathom Realty

$
$
%
$/month over payments
Federal 30-year interest rate: 2.88% last updated on Sep 23, 2021
* 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.

Save FavoriteSchedule TourAsk A QuestionMore Details

35 White Owl Drive Candler NC 28715

Candler, NC35 White Owl Drive

Price$185,000

Est. Mortgage: $/month

Active With Contract

MLS Number CAR3788492

  • Residential
  • Bathrooms 2
  • Bedrooms 3
  • Full Bath 2
  • Square Feet 1596

Clean, affordable country home on a hilltop with winter views! This lovingly cared for home has a wood burning fireplace, breakfast bar, large bedrooms, and walk-in closets. Relax on the front deck and watch the mountains from the privacy of your mountain top oasis! There are no restrictions and almost 1/2 acre of land!

Listed by Amy Shuford of Fathom Realty

$
$
%
$/month over payments
Federal 30-year interest rate: 2.88% last updated on Sep 23, 2021
* 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.

Save FavoriteSchedule TourAsk A QuestionMore Details

109 Littlefield Drive Candler NC 28715

Candler, NC109 Littlefield Drive

Price$349,000

Est. Mortgage: $/month

MLS Number CAR3788124

  • Residential
  • Bathrooms 2
  • Square Feet 1609
  • Bedrooms 3
  • Full Bath 2

Enjoy the Candler lifestyle in this fantastic 3/2 home boasting such features as vaulted ceilings, a gas fireplace, two-car garage, a fenced and level back yard perfect for kids and pets, and a rear deck for all of your grilling and entertaining. Downstairs you will find a spacious bonus/flex room (18x15 in size) that is ideal for an office, library, recreation room, or more. Showcasing integrated technology the house is pre-wired for whole-home audio, Cat 5 cable, and is generator-ready with full hookups. Live your life in this charming and quiet neighborhood while being only minutes from restaurants, stores, and groceries. Easy access to both I-40 and Smoky Park Highway and only 12 miles to the heart of downtown Asheville!

Listed by Dusty Allison of Carolina Mountain Sales

$
$
%
$/month over payments
Federal 30-year interest rate: 2.88% last updated on Sep 23, 2021
* 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.

Save FavoriteSchedule TourAsk A QuestionMore Details

89 Fairmont Road Candler NC 28715

Candler, NC89 Fairmont Road

Price$887,500

Est. Mortgage: $/month

MLS Number CAR3788808

  • Residential
  • Bathrooms 4
  • Bedrooms 3
  • Full Bath 4
  • Square Feet 4089

Open space inside & out with this 2-story Lodge style home. Logs, cedar shakes & arch covered porch welcome you home. The centerpiece great room has 20+ft cathedral ceiling full of natural light. Stacked stone fireplace w/ hammered copper insert. Kitchen is a surround of cabinets, all SS appliances, propane cooktop with gridle, large island, & still room for sunlit dining area. MBR is huge with vaulted ceiling, private deck, dbl walk-ins. Main floor private office. Two large BR's upstairs, both with full private bath. Full Bsmt with 9ft ceiling, oversized garage doors. Lots of space for your shop & big toys (up to 5 cars, boats, etc.) Commercial air compressor. Tankless water heater. Outside there is 30x12 storage unit & a parking pad for 5-6 more vehicles, camper or RV. Cleared level acreage for garden or additional structures. SqFt taken from original blueprints.

Listed by Rex Cutshall of Beverly-Hanks,South

$
$
%
$/month over payments
Federal 30-year interest rate: 2.88% last updated on Sep 23, 2021
* 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.

Virtual TourSave FavoriteSchedule TourAsk A QuestionMore Details

188 Marathon Lane Candler NC 28715

Candler, NC188 Marathon Lane

Price$439,390

Est. Mortgage: $/month

MLS Number CAR3788631

  • Residential
  • Year Built 2021
  • Square Feet 1995
  • Bathrooms 3
  • Full Bath 2

Asheville NC, DR Horton, New Construction Concord floor plan! Great open concept plan. Kitchen features 36" shaker cabinets, granite countertops w/ tile backsplash, upgraded laminate flooring on the first floor, upstairs has 4 bedrooms. Holbrook Village is conveniently located less than 7 miles from downtown Asheville. This home is an incredible value with all the benefits of new construction and a 10 yr. Home Warranty! Our Home Is Connected package includes programmable thermostat, Z-Wave door lock and wireless switch, touchscreen control device, automation platform, video doorbell, and Amazon Echo and Echo Dot. All home features are subject to change without notice. Internet service not included. Sq. footage's are approximate. Pictures, photographs, colors, features, & sizes are for illustration purposes only & will vary from the homes as built.

Listed by Robin Haigler of Coldwell Banker King

$
$
%
$/month over payments
Federal 30-year interest rate: 2.88% last updated on Sep 23, 2021
* 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.

Save FavoriteSchedule TourAsk A QuestionMore Details

504 Justice Ridge Road Candler NC 28715

Candler, NC504 Justice Ridge Road

Price$699,000

Est. Mortgage: $/month

MLS Number CAR3788550

  • Residential
  • Bathrooms 3
  • Bedrooms 3
  • Full Bath 2
  • Square Feet 1687

First time on the market is a one owner brick rancher on two parcels totaling 6.81 acres. Home has hardwoods and no carpet. Looking for a perfect home office etc? The mud room was used as a beauty salon for years and has separate entrance and half bath. Full unfinished basement hold 2 cars(tandem) and carport on main makes for easy unloading those groceries on a rainy day. Property has a small barn and a bountiful garden! Property lays well and has a small weather spring. Would be great for farming, cattle, or equestrian. Brick fireplace has gas logs, and there's also a wood stove in the basement. Property has several mature trees and additional homesites(check with county on approval of your plans). This home needs some updates but you can tell it's been lovingly cared for. Some noise from I-40 should be expected.

Listed by Doug King of Mark White And Associates

$
$
%
$/month over payments
Federal 30-year interest rate: 2.88% last updated on Sep 23, 2021
* 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.

Save FavoriteSchedule TourAsk A QuestionMore Details

192 Marathon Lane Candler NC 28715

Candler, NC192 Marathon Lane

Price$441,790

Est. Mortgage: $/month

MLS Number CAR3788479

  • Residential
  • Bathrooms 3
  • Bedrooms 3
  • Full Bath 2
  • Square Feet 2207

Asheville NC, DR Horton, New Construction Popular Pinehurst floor plan w/ unfinished basement! Open concept with site lines straight from kitchen to family room. Kitchen features 36" shaker cabinets, granite countertops w/ tile backsplash, upgraded laminate flooring on the first floor, upstairs has 4 possible bedrooms (1 is configured as a loft & could also be an office or other). Holbrook Village is located less than 7 miles from downtown Asheville. This home is an incredible value with all the benefits of new construction and a 10 yr. Home Warranty! Our Home Is Connected package includes programmable thermostat, Z-Wave door lock and wireless switch, touchscreen control device, automation platform, video doorbell, and Amazon Echo and Echo Dot. All features are subject to change without notice. Internet service not included. Sq. footage's are approximate. Pictures, photographs, colors, features, & sizes are for illustration purposes only & will vary from the home as built.

Listed by Robin Haigler of Coldwell Banker King

$
$
%
$/month over payments
Federal 30-year interest rate: 2.88% last updated on Sep 23, 2021
* 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.

Save FavoriteSchedule TourAsk A QuestionMore Details

55 Overlook Drive Candler NC 28715

Candler, NC55 Overlook Drive

Price$414,900

Est. Mortgage: $/month

Active With Contract

MLS Number CAR3788319

  • Residential
  • Bathrooms 2
  • Year Built 1978
  • Full Bath 2
  • Bedrooms 3

The mountain cottage you have been longing for on one acre of beautiful land. Updated kitchen and baths. Two story stone fireplace. Two bedrooms and one bath on main level. Master bedroom and bath upstairs along with a loft. The loft is perfect for a home office, home school room or play room. Walk-in closets. Full basement offers great storage, a single car garage and large laundry room. 573 square feet of decking make for perfect outdoor entertaining space.

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

$
$
%
$/month over payments
Federal 30-year interest rate: 2.88% last updated on Sep 23, 2021
* 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.

Virtual TourSave FavoriteSchedule TourAsk A QuestionMore Details

24 Mayfair Drive Candler NC 28715

Candler, NC24 Mayfair Drive

Price$450,000

Est. Mortgage: $/month

MLS Number CAR3788042

  • MultiFamily
  • MLS Status Active
  • Property SubType Residential Income
  • Bedrooms 4
  • Square Feet 2365

Recently Updated Timeless Classic In Woodside Hills! Just Inside The City Limits Of Asheville! 4 Bedrooms, 3 Baths, 2365 SqFt Total. Main Unit Has 3 Bedrooms, 2 Baths, Large Living Room With Vaulted Ceiling & Hickory Hardwood Floors & Brick Fireplace, Formal Dining Room With Sliding Glass Door Going Out To A Private Deck, Eat-In Kitchen With Granite Countertops & White Cabinets & Newer Appliances, Hickory Hardwoods Throughout , Lower Level (Which Is Permitted As An Air B&B) Offers Family Room With 2nd Brick Fireplace. 2nd Unit Has 1 Bedroom, 1 Bath, Living Room, Kitchen, & Laundry. Oversized 2 Car Garage Plus Large Driveway Parking, Heat Pump With Air, Large Beautiful Landscaped Lot With Creek Across Back, Home On Septic System But Sewer Line Is On Property, Home Warranty, Located Across From The Community Park With Picnic Areas & Walking Trails, Less Than 20 Minutes To Downtown Asheville, And Very Convenient To Restaurants & Shopping!

Listed by Toby Davis of RE/MAX RESULTS

$
$
%
$/month over payments
Federal 30-year interest rate: 2.88% last updated on Sep 23, 2021
* 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.

Save FavoriteSchedule TourAsk A QuestionMore Details

96 Lot 2 Oak Hill Road Candler NC 28715

Candler, NC96 Lot 2 Oak Hill Road

Price$50,000

Est. Mortgage: $/month

Active With Contract

MLS Number CAR3787409

  • Land
  • Acreage 0.18
  • County Buncombe

Set back from the main road, this secluded level lot with mature trees is one of a handful of lots left in the Lower Hominy Neighborhood of Candler. Just minutes to Downtown Asheville, The Biltmore Estate and the Blue Ridge Parkway. Come enjoy the fun and outdoors of Western North Carolina! Hike the trails, kayak the rivers, or shop at the Outlet malls! This lot would be an ideal site for a tiny home or small house. Move in or create an investment opportunity. Short-Term rentals allowed

Listed by Will Tucker and Zack Ruff of Keller Williams Realty Mountain Partners

$
$
%
$/month over payments
Federal 30-year interest rate: 2.88% last updated on Sep 23, 2021
* 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.

Save FavoriteSchedule TourAsk A QuestionMore Details

80 Walking Horse Trail Candler NC 28715

Candler, NC80 Walking Horse Trail

Price$180,000

Est. Mortgage: $/month

MLS Number CAR3787825

  • Land
  • Acreage 7.63
  • County Buncombe

WOW! A large tract of land just waiting for your vision! Located in Candler and with easy access, this is a rare opportunity to own a good sized slice of Heaven (aka WNC)! Call today for more info or to arrange a showing. Prequal req to show.

Listed by Jason Brodsky of EXP Realty LLC

$
$
%
$/month over payments
Federal 30-year interest rate: 2.88% last updated on Sep 23, 2021
* 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.

Save FavoriteSchedule TourAsk A QuestionMore Details

10 Wapiti Court Candler NC 28715

Candler, NC10 Wapiti Court

Price$315,000

Est. Mortgage: $/month

Active With Contract

MLS Number CAR3787024

  • Residential
  • Square Feet 1378
  • Full Bath 2
  • Year Built 1999
  • Bathrooms 2

Looking for a charming, private, and peaceful creekfront property nestled in the mountains?! Look no further! This very well maintained, pet free home boasting with country setting obtains a flower filled front yard with a creek lined in Bamboo, rose bushes, mint & herb garden out back, and beautiful landscaping. Cozy master suite with custom barn doors leading into a spacious master bath with jacuzzi tub, plenty of extra cabinet and storage space, and walk-in closet. Light filled great room, vaulted ceilings, and Hall/Guest bath features a Skylight. New HVAC system installed in 2020, SS appliances, washer & dryer included, swing under front porch stays, wheelchair ramp at back door entrance will also stay. This property has so much to offer! Don't miss your chance to view!

Listed by Ashley Reed of Keller Williams Professionals

$
$
%
$/month over payments
Federal 30-year interest rate: 2.88% last updated on Sep 23, 2021
* 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.

Virtual TourSave FavoriteSchedule TourAsk A QuestionMore Details

Broker Reciprocity © 2021 by the Canopy MLS. 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 September 27, 2021 12:51 AM EDT . 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.