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$218,000
1 Beds 1 Baths 1050294 MLS
Welcome to The Edwardian, one of Riverdale’s sought-after full-service co-op residences, offering classic charm, exceptional service, and everyday convenience. This sun-filled one-bedroom, one-bath home features gracious proportions, timeless character, and a comfortable, well-designed layout. The expansive living room is filled with natural light and opens through elegant French doors to a charming Juliette balcony overlooking the building’s beautifully landscaped gardens, the perfect spot to enjoy your morning coffee or unwind at the end of the day. A spacious dining area flows seamlessly from the living room, providing plenty of room for everyday meals or entertaining. The oversized king-sized bedroom offers a peaceful retreat with generous closet space, while the well-appointed bath and abundant storage throughout add to the home’s functionality. Residents of The Edwardian enjoy a full-time doorman, live-in superintendent, porter service, on-site laundry, beautifully maintained grounds, and pet-friendly living, along with wait-listed parking and storage. Ideally located in the heart of Riverdale, the building is convenient to the #1 subway, express buses to Manhattan, neighborhood cafés and restaurants, shopping, parks, and everyday essentials. With its inviting interiors, full-service amenities, and prime location, this charming residence offers an exceptional opportunity to enjoy the best of Riverdale living.

315 W 232nd Street Unit #2M, Bronx

$450,000
1 Baths 1048732 MLS
Top-Floor Studio with soaring ceilings, skylights and plenty of closet space This is not your typical studio. This spacious top-floor apartment has a unique layout with tall ceilings, six closets, and plenty of room to create a true junior 1-bedroom setup. The open kitchen connects to a living area, while the distinctive windows and skylights add character and natural light. The apartment also features a modern kitchen, central A/C, in-unit washer and dryer, and access to private rooftop space. With an abundance of storage and a flexible layout, this apartment offers much more than the average studio. The William Residences on 140th is a boutique condominium, with 10 uniquely designed properties mixing the old with the new. Each layout is unlike anything else on the market so come explore this hidden gem and purchase a home in one of the fastest growing neighborhoods in New York City. The complete offering terms are in an offering plan available from the sponsor. File NO. CD- 26-0019

427 E 140th Street Unit #8, Bronx

$575,000
1 Beds 1 Baths 1048428 MLS
Spacious 1-Bedroom with Great Natural Light This 650+ square foot 1-bedroom offers plenty of space to spread out, with a comfortable living area and a layout that makes great use of the space. The open kitchen connects nicely to the oversized living room, creating an easy flow for everyday living and entertaining. Unique windows add character and bring in plenty of natural light, while central A/C keeps things comfortable year-round. With its generous size, modern kitchen, and bright, open feel, this is a 1-bedroom that offers more than you might expect. Unit 6 is 650+ square feet, with great light and a large living area. The William Residences on 140th is a boutique condominium, with 10 uniquely designed properties mixing the old with the new. Each layout is unlike anything else on the market so come explore this hidden gem and purchase a home in one of the fastest growing neighborhoods in New York City. The complete offering terms are in an offering plan available from the sponsor. File NO. CD- 26-0019

427 E 140 Street Unit #6, Bronx

$194,500
1 Baths 1044991 MLS
Spacious Studio unit with wonderful natural light, completely renovated and a low maintenance of $687.32 - in the heart of Riverdale. Why rent when you can own for less? This ground floor unit offers 9’6" tall, beamed ceilings and hardwood floors throughout. Newly updated, windowed kitchen is outfitted with white shaker cabinetry , an abundance of white granite counters and all stainless steel appliances. New Updated walk-in shower. And just a bit down the hall, you’ll find a community garden for sitting and enjoying a book or lunch… Brookshire Hall provides a great location to all retail and public transportation and is superbly maintained. Near Johnson Avenue, offering a wide variety of dining, shopping and immediate access to local and express buses. Short distance to Spuyten Duyvil's Metro North Station with just a short 25 minute ride into Grand Central Terminal. Pets are also welcomed with board approval. Current assessment at $57.60 monthly.

3215 Arlington Avenue Unit #1G, Bronx

$420,000
1 Beds 1 Baths 1039703 MLS
TOP OF THE LINE Perched on a high floor, this sun-drenched and oversized ‘Junior 4’ home has been painstakingly renovated with a high-end designer touches throughout. This includes a chef’s kitchen with breakfast bar replete with elegant cabinetry, tasteful granite counters, stainless steel appliances, as well as a wine cooler and an enclosed washer/dryer. The living room boasts a large balcony with striking skyline views and a white stone wall with fireplace. There’s also a designated office area, a stunningly renovated bathroom, a generously proportioned bedroom, custom closets with modern new doors throughout and updated wood flooring throughout. Fashionably located west of the highway in the prestigious 'Whitehall', a luxury full service, pet-friendly coop with a porte-cochere entrance and an impressive list of white glove services including 24/7 concierge & doorman, live-in super and porters. Amenities include a solarium-covered indoor swimming pool with lifeguards & cabanas, a health club/spa with sauna, shower & numerous classes/trainers, an attended & heated parking garage (with available spots) with direct access to the building, laundry room, bike room, storage lockers, a ballroom and a spectacular new 30,000 sq. ft. 'Green Roof' with lush foliage, walking paths, gazebo, fire pit, picnic area, seating and an adjacent playground. Across the street from Seton Park with tennis courts & baseball field and a stone's throw from the public library, shopping, dining, cultural venues, houses of worship and numerous public transportation options for easy access to Manhattan. It’s more than a home– it’s a lifestyle!

3333 Henry Hudson Parkway Unit #20D, Bronx

$890,000
5 Beds 3 Baths 1046799 MLS
Welcome to this beautifully renovated two-family home built in 2014, located in a private gated community directly across from the Soundview Ferry Terminal, offering quick and convenient access to Manhattan. This property is ideal for both investors and owner-occupants. The vacant duplex unit features 3.5 bedrooms and 2 bathrooms, a spacious layout across two levels, and direct access to a private backyard, perfect for entertaining, relaxing, or creating your own outdoor oasis. The second unit is a well-maintained and vacant 2-bedroom apartment, providing immediate rental income. Residents of the community enjoy assigned parking, in a gated complex with a security booth soon being built to announce visitors, along with access to a private clubhouse, adding both comfort and convenience to everyday living. Located in the growing Soundview waterfront area, this home offers proximity to parks, shopping, schools, and the ferry for an easy commute.

111 Horizon Court, Bronx

$365,000
2 Beds 1 Baths 1045160 MLS
Lafayette Estates Co-op Opportunity! There's Great news for buyers! SONYMA eligible giving qualified buyers access to low down payment options and down payment assistance. Welcome to 825 Morrison Ave, a beautifully renovated two-bedroom, one bath HDFC cooperative located in the heart of Soundview Park section of the Bronx. Situation on a high floor, this bright and airy residence features a private terrace offering views and a peaceful outdoor retreat. This fully renovated unit boasts modern finishes throughout, including stainless steel appliances, a sleek updated kitchen with island and the convenience of an in-unit washing machine-a rare and valuable feature in cooperative living. The main bedroom has a walk-in closet, as well as closet through-out the unit. The building, originally constructed in 1962 and converted to cooperative in 2006, has been modernized and is a part of a Housing Development Fund Corporation (HDFC), offering income-restricted affordable homeownership opportunities. Residents enjoy access to a basement laundry room and community room available for private events, adding both convenience and lifestyle value. Perfectly positioned near Soundview Park, you are surrounded by green space, recreation, and waterfront view over to Queens view. Commuting is seamless with the Morrison Ave-Soundview station (6 train) approximately 0.25 miles away, plus easy access to the 2 train via a short bus ride (#5 bus). Major highways nearby provide direct routes into Manhattan and convenient travel to Connecticut. Minutes away from Orchard beach, City Island. Enjoy the benefits of nearby shopping centers, dinning, parks, and public transportation-all while owning an affordable, move-in-ready home in a vibrant and growing neighborhood. This is an excellent opportunity for qualified buyers seeking affordability, comfort, and convenience in one complete package. I mentioned great opportunity above for first time homebuyers who may need help with their down payment and closing costs. Reach out to me for SOMYMA eligibility, and a quick pre-approval!

825 Morrison Avenue Unit #8C, Bronx

$210,000
1 Baths 1044222 MLS
Welcome to this airy and beautifully appointed high-floor studio with Hudson River views. Thoughtfully redesigned for space and functionality, this bright and inviting home offers openness and ease. This smart layout features an open kitchen with plentiful cabinetry and counter space, a spacious redesigned bathroom, and the rare convenience of a separate walk-in closet. The flexible configuration accommodates distinct areas for sleeping, relaxing, and working from home, while enjoying expansive western exposure, a wonderful backdrop to everyday living. Residents of Skyview enjoy a resort-style, amenity-rich lifestyle with 24-hour attended lobby, a live-in superintendent, elevators, and laundry facilities. The landscaped grounds offer a seasonal Olympic-size swimming pool, fitness center, tennis and basketball courts, playground, dog park, gazebo and picnic areas, EV charging stations, and on-site parking, subject to availability. Conveniently located near shopping, dining, transportation, and all that Riverdale has to offer, Skyview is a pet-friendly community where washer/dryers and subletting are permitted, subject to board approval. Live bright, spacious, and beautifully positioned above the Hudson; welcome home to Skyview.

5800 Arlington Avenue Unit #16N, Bronx

$495,000
2 Beds 2 Baths 1044073 MLS
Welcome to an exceptional fifth-floor condominium residence where sophisticated design, luxurious finishes, and abundant natural light come together to create an elevated living experience. Beautifully and fully renovated, this stunning 2-bedroom, 2-full-bath residence has been thoughtfully designed with meticulous attention to detail and an unmistakable sense of refinement throughout. Step inside to a bright and airy interior enhanced by beautiful bamboo hardwood flooring and an abundance of natural sunlight. The elegant living space flows effortlessly into the dining area, where a striking statement chandelier adds a touch of glamour and creates an impressive setting for both intimate dinners and stylish entertaining. Just beyond, a private balcony provides your own outdoor retreat, perfect for morning coffee, unwinding at the end of the day, or simply enjoying the fresh air. At the heart of the residence is a beautifully appointed, chef-inspired kitchen featuring quartz countertops, a spacious center island, stainless steel appliances, premium cabinetry, and radiant heated flooring. Sleek lines, sophisticated finishes, and a thoughtfully designed layout create a kitchen that is equally suited for everyday living and elegant entertaining. The generously sized primary bedroom serves as a private sanctuary and comfortably accommodates a king-size bed with ease, while still offering ample room for additional bedroom furnishings. Completing the space is its own beautifully finished en-suite full bathroom. Both bathrooms have been designed with a spa-like aesthetic, showcasing luxurious marble tile, refined fixtures, and radiant heated floors, creating an atmosphere of comfort and indulgence. The second bedroom is also well proportioned and offers excellent flexibility for guests, a home office, or additional living space, while the home’s thoughtful renovation and cohesive design provide a sense of quality and sophistication from room to room. The residence is set within an exceptionally well-maintained condominium community featuring beautifully landscaped green spaces and thoughtfully cared-for common areas. Building amenities include elevator service, a virtual doorman, and clean, well-maintained laundry facilities, providing residents with an added level of comfort, convenience, and security. Adding to the exceptional convenience of this residence is one dedicated parking space, a highly desirable feature that further enhances the ease of everyday living. Ideally and conveniently located near public transportation, major highways and thoroughfares, schools, places of worship, parks, shopping, dining, and everyday conveniences, this residence offers an outstanding combination of accessibility and refined residential living. Sun-drenched, impeccably renovated, and elegantly appointed, this turnkey condominium presents a rare opportunity to enjoy sophisticated contemporary living with luxurious finishes, private outdoor space, dedicated parking, beautifully maintained surroundings, and exceptional convenience.

8611 151st Avenue Unit #5E, Howard Beach

$369,000
1 Beds 1 Baths 1043348 MLS
Welcome home to this bright and inviting high-floor one-bedroom at Celtic Park, perfectly positioned on the border of Sunnyside and Woodside. With windows in every room, this charming residence is filled with natural light and offers a comfortable layout with plenty of character. The west-facing living room captures beautiful afternoon light, while the spacious entry foyer creates a welcoming transition into the home. The delightful kitchen features a distinctive tin backsplash, and the generously sized bathroom offers plenty of room to make your morning routine comfortable and convenient. Celtic Park provides residents with an array of amenities, including a beautiful landscaped courtyard, secure parking, on-site fitness center, and laundry facilities. The well-maintained community offers a peaceful retreat while keeping you close to everything the neighborhood has to offer. Located on the border of Sunnyside and Woodside, this home gives you the best of both vibrant Queens neighborhoods, with easy access to Manhattan, local restaurants, shopping, parks, and transportation. High-floor living, abundant natural light, great amenities, and a fantastic Queens location—this is one you won't want to miss.

43-10 48th Avenue Unit #5R, Woodside

$200,000
1 Beds 1 Baths 1043104 MLS
Spacious one-bedroom apartment with the potential to be converted into a Junior 4 by utilizing the dining area, subject to board approval and applicable requirements. The unit is being sold as-is, giving the new owner an excellent opportunity to renovate and customize it to their own taste. With tremendous potential, it is priced very reasonably for a quick sale. The monthly maintenance includes all utilities, and two window air-conditioning units are currently installed. Conveniently located near Rego Center Mall, Macy’s, Costco, Chinese supermarkets, Japanese restaurants, and Brazilian steakhouses. Easy access to the Long Island Expressway and approximately 15 minutes from Manhattan, depending on traffic. The E and F subway lines are also nearby. A great opportunity to create your own beautiful home in a convenient Queens location! Don't miss the opportunity!

99-14 59th Avenue Unit #1K, Corona

$295,000
1 Beds 1 Baths 1042654 MLS
Top-Floor Residence at the Executive Towers with Open Eastern Exposure Residence 24M occupies the highest floor of the building, a position that offers what lower floors cannot: 10-foot ceilings, uninterrupted eastern light and open outlooks across the borough, with no construction in front and no residence above. The apartment is fully renovated and move-in ready. New flooring runs throughout, complemented by fresh paint and new fixtures in every room, including a chandelier that anchors the main living area. In the kitchen, black granite counters meet white cabinetry with glass-front uppers, and the full stainless appliance suite is brand new and has never been used: a gas range with center griddle, dishwasher, and French-door refrigerator. The bath is tiled to the ceiling in white and appointed with a full soaking tub. Storage is exceptional, with 3 closets, including a deep shelved closet off the hall—a rarity in apartments of this size. A generous alcove adjoins the living space and partitions cleanly into a separate bedroom. Two floor plans are attached: the residence as it stands today and the one-bedroom conversion. Virtual staging illustrates the alcove furnished as a bedroom. Picture windows extend the length of the living space, framing eastern views that are both unobstructed and permanent. Monthly maintenance of $868.84 includes all utilities: heat, hot water, gas, electricity, and central air. The building permits financing with 10% down, a rare allowance among cooperatives on the Grand Concourse. At the asking price with 10% down on a 30-year fixed mortgage at approximately 6%, the estimated monthly carrying cost is roughly $2,460, all utilities included. Buyers may qualify for first-time homebuyer programs, preferred mortgage rates, or other available benefits and abatements, including the STAR program where eligible. Buyers are encouraged to consult their lender and tax professional regarding programs and benefits specific to their circumstances. Comparable one-bedroom rentals in full-service doorman buildings in the 10451 ZIP code begin at approximately $3,100 per month before utilities. Built in 1963 to the design of architect Philip Birnbaum, the Executive Towers was introduced as the first luxury tower in the Bronx and remains among the most sought-after addresses on the Grand Concourse. Services include a 24-hour doorman, attended lobby, on-site garage, laundry, and a live-in superintendent. The Bronx Museum of the Arts stands directly across the Grand Concourse. The express 4 and D trains are approximately three blocks away, putting Midtown Manhattan within roughly 30 minutes. The B train, Yankee Stadium, Joyce Kilmer Park, Bronx Terminal Market, and Metro-North’s Hudson Line are also nearby. Sublets permitted. Board approval required. Financing available with 10% down. Top-floor residences in this line reach the market infrequently. This one is renovated, convertible, and available now. Figures are estimates for illustration only and are subject to rate, term, down payment, lender qualification, program eligibility, and applicable tax rules.

1020 Grand Concourse Unit #24M, Bronx

$191,000
1 Beds 1 Baths 1042430 MLS
Welcome to this rare find hidden gem HDFC Co op unit offering 1 great size bedroom, Renovated 1 full bath, spacious sun drenched living room, formal dining room, renovated kitchen, stainless steel appliances and access to a spacious balcony offering amazing views. Gorgeous Move In ready unit. Freshly painted. Newly installed luxury Vinyl Flooring throughout, Offers tons of closet space, on site laundry, playground, parking and new security system. Conveniently close to major highways, shopping hubs, schools, near the new Bronx ferry that travels into Manhattan within minutes, public transportation, and parks. Soundview park is across from the building offering walking trails, basketball courts, track,baseball and soccer fields. This is an all cash purchase, Board Approval required and Maximum Income Restrictions Apply. Please note updated Max Income restrictions: Household of 1:$90,720; Household of 2: $103,680. Household of 3: $116,640. ONLY CASH OFFERS.

920 Metcalf Avenue Unit #14J, Bronx

$518,000
2 Beds 2 Baths 1042252 MLS
Built in 2024, this modern 2-bedroom, 2-bath condominium is located in the heart of Corona, Queens. The residence features hardwood flooring throughout, a contemporary kitchen with stainless steel appliances and quartz countertops, and a thoughtfully designed layout that maximizes space and functionality. The unit is currently tenant-occupied, offering an attractive opportunity for investors seeking an income-producing property. Conveniently located near public transportation with easy access to Manhattan, Flushing, and surrounding Queens neighborhoods. Close to Queens Center Mall, Rego Center, Flushing Meadows–Corona Park, shopping, dining, supermarkets, and other everyday conveniences. An excellent opportunity to own a newer-construction condominium in a well-connected and convenient Queens location.

5540 97th Place Unit #3B, Corona

$425,000
2 Beds 1 Baths 1042176 MLS
Welcome to this fabulous two bedroom on the tree-lined streets of Forest Hills. Located on 67th Road between Yellowstone Blvd., and 108th Street. Prime Central Queens Location offering charm, community and accessibility everywhere. Catch buses, trains and enhance that walking score from this terrific location enjoyed by all who live here. Fourth floor gem (building has six floors) priced very well for that buyer looking for space, light, value and community. Large living room and dining area with wonderful natural light. Pretty wood floors. Amazing windowed kitchen with lots of counter space and workable room to arrange that fabulous meal. Separate dining area offers that extra room which can be converted to a third bedroom (with Board approval). Both bedrooms are a wonderful size with great closets throughout apartment. Windowed bath. Fabulous cooperative with wonderful private grounds and gardens to enjoy. Laundry on premises and live in super with onsite managing agent (a few blocks away). Near 4 subways, express bus and the LIRR. Nearby shopping and plenty of restaurants for take out or eating in. Assessment $215.42/Monthly.

105-25 67th Road Unit #4A, Forest Hills

$448,000
2 Beds 1 Baths 1042068 MLS
Welcome to this beautiful updated two bedroom on the tree-lined streets of Forest Hills. Located on Yellowstone Blvd., between 66th Road and 67th Avenue, Prime Central Queens Location offering charm, community and accessibility to everywhere. Catch buses & trains from this terrific location enjoyed by all who live here. Sunny High-Floor Large 2-Bedroom Corner Unit with Immediate Parking Welcome to this exceptionally bright and spacious approx. 1,000 sq. ft. split-bedroom corner apartment, offering high-floor elevation (5th out of 6) and open view (to 66th Rd and Yellowstone Blvd). Designed for comfortable living and seamless entertaining, the sprawling living/dining area features recessed lighting (above the dining area) and abundant natural light. Interior Features Layout: Desirable split-bedroom floor plan ensuring maximum privacy for both sleeping quarters. Both bedrooms are large. One of the bedrooms is located by the apartment entrance, ideal also for a WFH office. Kitchen: Equipped with warm light wood cabinetry, classic louvered doors, dishwasher, microwave and ample prep space. Turnkey ready: Comes furnished with gently used, quality furniture (available to stay or be removed upon request). Building & Financial Details Parking Bonus: Immediately available garage parking spot with $5k transfer fee and $145/month (without transfer, wait-list is 2-3 years) Laundry room: Downstairs, in the building basement. Building management and maintenance: Live-in super and plenty of staff available. Maintenance: $1,304.11/month. Temporary assessment $220.01/month (expires October 31). Unbeatable Location Transit: QM12 and QM42 express buses to midtown Manhattan are right downstairs, near M and R local subway lines; nearby E and F express subway lines. Citibike: less than one block away. Shopping & Dining: 108th Street shopping area is a few blocks away. Nearby is vibrant Austin Street. Queens Center Mall and Costco. Healthcare: Conveniently located just 2 blocks from prestigious Northwell Health Hospital and numerous doctors' offices and a few urgent care centers.

66-33 Yellowstone Boulevard Unit #5B, Forest Hills

$310,000
1 Beds 1 Baths 1042059 MLS
Fabulous top floor one bedroom with the best layout in the cooperative. Welcome to the heart of tree-lined Forest Hills. Located on 108th Street, between 67th Avenue and 67th Road, Prime and Convenient Real Estate surrounded by community. South exposures throughout the apt with east as well. Bright and sunny! Closets galore (the best in the one bedroom lines). Renovated windowed kitchen with new granite counter tops and terrific new appliances with dishwasher. New cabinetry with plenty of storage. Separate dining area. Huge living room and bedroom. Pretty wood floors throughout. Windowed bath. Laundry on premises. Live in super with plenty of wonderful staff. Near all transportation with 4 subways and the LIRR. Nearby the best restaurants and local shopping. Monthly assessment $165.01

67-10 108th Street Unit #6A, Forest Hills

$210,000
1 Beds 1 Baths 1040108 MLS
A standout residence at Netherland Gardens. This fully renovated, high-floor, light-filled one-bedroom is a rare opportunity to move right into a home where every detail has already been beautifully reimagined. Bathed in natural sunlight with serene garden outlooks and warm western exposures, the spacious layout offers an oversized living and dining area and a generously proportioned bedroom that easily accommodates a king-sized set. The sleek, windowed eat-in kitchen features beautiful custom cabinetry and abundant prep space, while the stylishly renovated windowed bathroom completes the home. The result is a residence that feels fresh, sophisticated, and genuinely turnkey - nothing to renovate or imagine. Set within the beautifully landscaped Netherland Gardens, residents enjoy 24-hour security, a live-in superintendent, private playgrounds, a community room, laundry, and private parking options. Ideally located near Skyview Shopping Center, the YMCA, Wave Hill, local and express buses, and Metro-North access to Grand Central, this exceptional home combines peaceful surroundings, modern finishes, and outstanding convenience. Monthly maintenance is $1,113.42, including base maintenance of $995.74, electricity of $60, and a current assessment of $57.68.

5645 Netherland Unit #6B, Bronx

$539,000
2 Beds 1 Baths 1038620 MLS
This renovated 2 bedroom, 1 bathroom Co-op apartment located on the 1st floor in a pet-friendly, elevator building is a must see and will not last! Featuring stainless steel appliances with a dishwasher, hardwood floors, high ceilings, and plenty of storage, all you need to do is move right in! The maintenance includes heat, hot water, gas, electricity, and property taxes. Subletting is allowed after 2 years of being owner-occupied and there is no flip tax! Celtic Park is a wonderful pre-war Co-op complex with two courtyards, two laundry rooms, parking with charging stations for electric cars, a new gym, storage lockers, on-site security, on-site management, and only 3 blocks to the 7 train with a 15-minute ride to Grand Central Station, 1 block to the New Noonan Dog Park and easy access to the BQE, LIE, and the Queens Borough Bridge.

48-18 44th Street Unit #1C, Woodside

$274,990
1 Beds 1 Baths 1037622 MLS
Welcome to this charming 1-bedroom, 1-bath pet-friendly co-op in the heart of Rego Park, offering comfort, convenience, and exceptional value. Located on the first floor, this bright and inviting home features beautiful hardwood floors throughout and an updated kitchen with modern finishes. Enjoy excellent natural light that fills the space, creating a warm and welcoming atmosphere. The building is both pet-friendly and sublet-friendly, offering added flexibility for owners. Ideally situated close to all neighborhood amenities, including shopping, dining, transportation, and parks—perfect for effortless everyday living. A wonderful opportunity for first-time buyers, downsizers, or anyone seeking a well-maintained home in a prime Rego Park location.

98-33 64th Avenue Unit #1D, Rego Park

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.