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$265,000
3 Beds 1 Baths 654438 MLS
Welcome to 2564 E Floradora Ave, a charminghome nestled in an established neighborhood in the heart of Fresno. This inviting residence offers the perfect blend of comfort, convenience, and classic character.The generously sized bedrooms offer comfort and privacy, while the backyard presents plenty of space for outdoor gatherings, gardening, or simply enjoying Fresno's beautiful Central Valley evenings.Conveniently located near schools, parks, shopping, and dining, with easy access to major commuter routes, this home combines neighborhood charm with everyday accessibility.Whether you're a first-time homebuyer, growing family, or investor, this property presents an excellent opportunity. Don't miss your chance to own a wonderful property in one of Fresno's established communities, schedule ashowing today!

2564 E Floradora Avenue, Fresno

$420,000
2 Beds 2 Baths 654352 MLS
Welcome to easy, elegant living in the highly desirable gated 55+ community of Forkner Crest in NW Fresno (SE Bullard/Forkner; Only one owner needs to be 55 or older). Built by Wathen Castanos, this charming single-story home offers 2 bed, 2 bath, 2-car and 1,320 sf of thoughtfully designed living space.Step inside to discover beautiful brick pattern tile flooring that flows throughout the main living areas, creating a warm and inviting atmosphere. The open-concept kitchen is perfect for entertaining and everyday living, featuring granite countertops, tile backsplash, stainless steel appliances, abundant cabinetry, upgraded crown moulding, generous prep space, and a center island with bar seating.Original owner has lovingly cared for the home.The spacious primary suite serves as a private retreat with a large walk-in closet complete with custom built in closet organizer. Thoughtful touches include automatic under-vanity night lighting that gently illuminates the space when you enter. The secondary bedroom and bathroom provide comfortable accommodations for guests or a home office.Outside, enjoy a private backyard designed for relaxation, complete with a water fountain and custom concrete patio ideal for outdoor dining, morning coffee, or evening gatherings. This private corner lot enjoys no neighbors to the side or back and the larger lot allows space to walk the perimeter and access garage from the side door making it convenient to clean up using the utility sink in the garage. The 2-car garage offers additional convenience with storage and utility sink. HOA only $175/moLocated just minutes from some of Fresno's finest dining, premier shopping, and everyday essentials, this exceptional home combines comfort, quality, and low-maintenance living in one of Northwest Fresno's most sought-after active adult communities. Come experience the Forkner Crest lifestyle for yourself.

2181 W Juliet Way, Fresno

$899,000
3 Beds 1 Baths 654430 MLS
Excellent opportunity to own a highly desirable 19 acre almond orchard featuring approximately 9-year-old Nonpareil and Monterey almond trees. This established producing orchard is served by irrigation district water and features its own agricultural solar system, providing valuable infrastructure for continued farming operations.The property also includes an approximately 1,424 sq. ft., 3-bedroom, 1-bath residence, which is currently tenant occupied, providing an additional income-producing component to the property.The agricultural acreage is currently subject to an existing farm lease. With mature almond trees, desirable varieties, district water, solar, and an existing residence, this property offers an attractive combination of productive farmland, established infrastructure, and income potential.Buyer to verify all acreage, production, water availability, lease terms, and property information to their satisfaction.

4489 S Indianola Avenue, Del Rey

$495,000
3 Beds 2 Baths 654428 MLS
Set on a generous lot in the heart of Sunnyside, this 3-bedroom, 2.5 bath home delivers space, privacy, and long-term upside in a location that keeps getting better.The backyard is the standout. A large pool anchors the space, surrounded by mature landscaping that gives the yard a sense of privacy you rarely find anymore. There's room to entertain, room to breathe, and plenty of potential to elevate the outdoor space into something truly special.Inside, the layout is functional and flexible. Three well-sized bedrooms, two and a half baths, and a large enclosed sunroom that adds bonus living space. Perfect for a second living room, home office, gym, or game room. It's the kind of space that adapts to your lifestyle.The two-car garage includes extra storage, and the lot itself offers more yard than most homes in the area. This is a property that has good bones and the opportunity to make it your own with the right vision.Location matters here. You're close to dining, shopping, and freeway access, and just minutes from the brand new Fancher Creek Town Center, bringing new energy, convenience, and long-term value to the area.This isn't a polished flip. It's an opportunity. A solid Sunnyside home with a pool, space, and upside for the buyer who wants to put their own stamp on it.this one deserves a closer look.

6259 E Liberty, Fresno

$299,000
3 Beds 2 Baths 654361 MLS
Have you been looking for an affordable newly constructed home in Fresno? Well step into this one! Priced at $299,00 & perfect for your everyday comfort. With a new fence keeping access to privacy and barriers. Equipped with all new electrical, plumbing, and pg&e lines. A beautiful open floor plan that allows you to be in the kitchen, while still being able to enjoy the company that sits in the living room. And if the 2 bedrooms & 1 bath inside isn't enough, then the extra living out back can surely make it work! The detached living structure is approximately 120 SQFT with a full bathroom/shower... This property also has a large overly constructed 1 car garage. Great for parking, storage, or even potentially another living structure. On a corner lot with tons of shade from the surrounding trees, you'll find yourself living near local stores, places to eat, and easy freeway access to get to where you need. The home is priced to sell, so don't wait until it's sold to reach out!

2206 E Tyler Avenue, Fresno

$429,900
3 Beds 2 Baths 654272 MLS
Set on a peaceful cul-de-sac in an established Clovis neighborhood, this three-bedroom, two-bath home offers an inviting combination of privacy, thoughtful updates, and a desirable location within the Clovis Unified School District. Inside, updated flooring flows throughout the home, complemented by a remodeled kitchen and two updated bathrooms that bring a fresh, modern feel while maintaining the warmth and comfort of the space. Mature trees and established landscaping add character and a sense of privacy that can be hard to find in newer neighborhoods. Out back, the generous yard offers plenty of room to relax, entertain, or simply enjoy a quiet morning outdoors. Conveniently located near schools and everyday amenities, this well-cared-for home blends an established setting with tasteful updates and comfortable living, ready for its next chapter.

952 Holly Avenue, Clovis

$350,000
3 Beds 2 Baths 654412 MLS
Welcome to this classic four level A-frame cabin in Camp Sierra, minutes from Shaver Lake Marina. Offering 1,400 ft. of living space, this three bedroom two bath retreat provides plenty of room (sleeps 13!) to gather, relax, and enjoy all that the community has to offer. The four level design creates ample space while the wraparound deck offers the perfect setting to take in the surrounding mountains atmosphere and enjoy outdoor living. A standout feature is the attached two car garage on the first level with direct entry into the home, providing valuable convenience and shelter during snowy winter months, ideal for storing recreational gear or coming and going comfortably in all seasons. The main level offers an inviting gathering space with a well appointed kitchen, spacious great room and convenient primary suite and bath. The top two levels offer ample sleeping spaces and a bathroom.All appliances and furnishings are included, without warranty.This cabin is on USFS under a special use permit.

52147 Tiger Lily Lane, Shaver Lake

$649,380
4 Beds 3 Baths 654417 MLS
Welcome to Regent Park, Wilson Homes' newest gated community in Clovis. This thoughtfully designed collection of single- and two-story homes offers flexible floor plans from 1,887 to 3,056 sq. ft., with 3-5 bedrooms, up to 4 baths, and versatile spaces like lofts, dens, and flex rooms. Some plans also feature aging-in-place options for long-term comfort.Enjoy life just beyond the gates with boutique shopping, local dining, farmers markets, scenic trails, top-rated schools, and new amenities nearbyall with the Sierra mountains just a short drive away. Discover comfort, connection, and modern living at Regent Park.*Photos are of the model home and may not reflect the exact home for sale. Features, finishes, elevations, and landscaping may vary. Pricing, availability, and specifications are subject to change without notice.*

2429 N Newhaven Way, Clovis

$649,000
5 Beds 3 Baths 654386 MLS
Welcome to 823 E University Avenue, a thoughtfully updated 1932 home set in one of Fresno's most established and historically rich neighborhoods. With Tudor Revival influences, distinctive architecture and nearly a century of history, this two story, 5 bedroom, 3 bathroom home pairs the charm of another era with the space and functionality for life today. Inside, generous living spaces and updated flooring create a comfortable backdrop for everyday living, while the home's character gives it a sense of place that's increasingly hard to find. The second story adds unexpected versatility with two spacious rooms and a full bathroom featuring an oversized, spa like soaking tub. The neighborhood is just as special. Stroll to local favorites including MOTO Delicatessen & Bodega, Ampersand Ice Cream and Kuppa Joy, with Fresno High and Fresno City College nearby. It's a location where coffee runs, neighborhood walks and local gathering spots can easily become part of the everyday routine. Rich in character, community and connection to Fresno's early growth, 823 E University offers the opportunity to own a home, and become part of a special neighborhood with a story all its own.

823 E University Avenue, Fresno

$920,000
4 Beds 3 Baths 653365 MLS
Welcome to your Shaver Lake getaway in the heart of the West Village! This inviting mountain cabin offers the perfect blend of classic cabin charm, comfortable living, and thoughtful handcrafted details throughout. Bedroom count and reported square footage include the detached guest quarters. The main home features 3-bedrooms and 2-bathrooms, complemented by a separate 1-bedroom, 1-bath guest quarters (plus approx 200 SF) perfect for hosting visitors, giving family their own space, or creating a private retreat.Situated on an approximately .30-acre lot, the property offers plenty of room to relax and enjoy the peaceful mountain setting, along with a detached two-car garage for your vehicles, recreational gear, and mountain toys. All decking is Trex decking, offering long-lasting durability and resistance to everyday wear, making it ideal for enjoying the mountain setting for years to come. The property also features a year-round greenhouse, providing a unique opportunity for gardening and enjoying fresh greenery even through the mountain seasons.Inside, you'll find unique touches that truly capture the character of the mountains, including Swedish entry doors, a custom kitchen with all-rock custom sinks throughout the cabin, a beautiful Manzanita banister, and bathroom and bar countertops crafted from authentic Sinker Wood sourced from Shaver Lake. The fireplace mantel is also made from Sinker Wood, adding another beautiful, locally sourced touch to the home. The bed frames, dressers, barstools, and mirrors are also handmade in Kentucky, adding warmth, character, and a one-of-a-kind feel to the home.With lake access just a short distance away, you can easily spend your days enjoying the water, boating, fishing, hiking, and everything this beloved mountain community has to offer. Only two blocks away, you have your own hiking trails at your disposal, making it easy to enjoy the beauty of the surrounding mountain landscape. The West Village location also puts you close to local shops, restaurants, and year-round recreation.Whether you're looking for a weekend escape, vacation home, or a place to gather and make lasting memories, this is a property you'll want to experience in person. Come see all that this special Shaver Lake retreat has to offer and discover the mountain getaway of your dreams.

41836 Knobcone Lane, Shaver Lake

$360,000
3 Beds 1 Baths 653624 MLS
Your chance to own a piece of history in Fresno's historic Tower District. The Miles and Irma Humphreys Home, built in 1921, is a designated Local Historic Resource - HP #317.This 3bd, 1ba, 1,365sf home on a 9,375sf lot retains much of its historic character, beginning with a covered front porch framed by distinctive columns and continuing inside with original hardwood floors, extensive woodwork, built-ins, and a distinctive tiled fireplace featuring Arts & Crafts-style landscape art tiles. The freshly painted interior opens to connected living and dining areas, with built-in cabinetry adding to the home's original character. The kitchen carries its own vintage charm, with classic tilework, decorative accents, and an oversized sink. Three bedrooms and a full bath are situated off the main living areas. An additional bonus room offers flexible space for a den, office, creative space, or additional bedroom, with a vaulted wood ceiling, exposed beams, and French doors opening to the back deck. The backyard extends the living space outdoors with a back deck, lawn, mature shade trees, and room for multiple seating or garden areas. A detached 2-car garage completes the property. Located just blocks from the heart of the Tower District, with nearby restaurants, entertainment, and neighborhood destinations, and within the Fresno High, Fort Miller, and Muir school boundaries.

1235 N Arthur Avenue, Fresno

$695,000
3 Beds 2 Baths 654227 MLS
OPEN HOUSE Sunday 8/30 from 12 to 3pmWelcome to 2710 W Palo Alto Avenue, a beautiful home situated on an expansive approximately 15,000 sq. ft. lot in one of Northwest Fresno's established upscale neighborhoods.This spacious 3-bedroom, 2.5-bathroom home offers an inviting floor plan with plenty of room for both everyday living and entertaining. Inside, you'll find vaulted ceilings in the den, a large living room, formal dining area, and generous living spaces filled with character.The outdoor setting is a true highlight of the property. The oversized lot features a swimming pool, large grass area, covered patio, mature landscaping, and established fruit treescreating a private backyard with plenty of space to relax, entertain, and enjoy Fresno's warm summer evenings.The curb appeal is equally impressive, with a grand front yard framed by mature sago palms and established landscaping that gives the home a distinctive presence from the moment you arrive.Well cared for home in great condition. Two HVAC units service the home and the west unit was replaced in 2025.With its combination of a large lot, pool, mature landscaping, spacious interior, and desirable Northwest Fresno location, 2710 W Palo Alto Avenue is a beautiful property with tremendous appeal. This is what you have been looking for, now is your time!

2710 W Palo Alto Avenue, Fresno

$1,799,000
4 Beds 3 Baths 654376 MLS
Welcome to 7879 E Garland Avenue, a breathtaking 4-bedroom, 3.5-bath estate situated on over 2 acres in a prime Fresno location within the highly sought-after Clovis Unified School District. Extensively remodeled within the last few years, this exceptional property combines timeless elegance, luxurious finishes, and incredible indoor-outdoor living.A grand arched entryway welcomes you into an impressive interior featuring beautiful tile flooring throughout, stylish fandeliers in every room, and 100% natural quartzite countertops throughout the home. The spacious main living area is a showstopper with built-in cabinetry and a dramatic floor-to-ceiling stone fireplace. The beautifully appointed kitchen features a large island, high-end appliances, and a touchscreen refrigerator, with a casual eating area nearby. A formal dining room and separate den or additional living room provide plenty of space for both everyday living and entertaining.The home offers oversized bedrooms, including a spacious primary suite designed as a private retreat with a luxurious soaking tub and custom walk-in shower. Recent improvements include new HVAC units, new tankless water heaters, fresh exterior paint, a resurfaced pool, and extensive new concrete surrounding the home.Outside, the property is truly spectacular. A beautiful wraparound driveway leads through the park-like front yard, complete with impeccably manicured landscaping and a new fountain that creates an unforgettable first impression. The backyard feels like a private resort, featuring a fenced-in swimming pool with a gorgeous waterfall feature, covered patio terrace, outdoor entertainment pavilion, lush lawns, and an expansive garden and tree area. With over two acres, there is an incredible sense of space, privacy, and tranquility.From the thoughtfully remodeled interior to the extraordinary grounds and resort-inspired backyard, 7879 E Garland is a one-of-a-kind estate offering luxury, privacy, and room to entertain on a grand scale-all in a prime location with Clovis Unified schools.

7879 E Garland Avenue, Fresno

$699,900
3 Beds 1 Baths 654255 MLS
Welcome to a rare Fig Garden opportunity - a beautifully maintained main home AND a permitted 780 sq ft ADU, offering flexibility for multi-generational living, guest quarters, or rental income potential. A circular driveway framed by mature landscaping welcomes you home, with ample parking plus a 2-car carport. The main home provides 3 bedrooms, 1.75 baths in 2876 sq ft of spacious living and an expansive backyard with a pool on an 18,000 sq ft lot. Large bonus room with walk-in closet and bathroom can be used as an office or potential 4th bedroom. Inside the home there are multiple features you will love: elegant finishes, sophisticated fireplace in spacious living room and connected dining area, large kitchen with island, stainless steel appliances, and eating area connected to family room with stunning wood ceilings and large sliding door. The main home also has a newer roof and HVAC system. In addition to the pool in the expansive backyard, you will also find multiple seating areas, a storage shed, and a permitted 780 sq.ft. ADU (built in 2015). The ADU contains an open floor plan with 1 bedroom and an additional room that can be used as a bedroom or office. Features include can lights, laundry hook up in the bathroom, electric appliances and granite countertops in the kitchen. The mature landscaping of the backyard provides a beautiful backdrop to relax by the pool, read under the Gazebo, or enjoy a meal on the patio. The unique features of this property are endless! Call your Realtor to schedule a showing today!

733 W Gettysburg Avenue, Fresno

$539,900
5 Beds 3 Baths 654370 MLS
Here's your chance to own a beautifully appointed 5-bedroom, 3-bathroom home conveniently located near the Riverbottom Park trail, the San Joaquin River, and Riverside Golf Course! Plus, enjoy a short drive to the shopping center at Marketplace at El Paseo, featuring a movie theater, Tesla Superchargers, and plenty of shopping and dining options! Situated on a large corner lot, this home offers two balconies, a 3-car garage, and you will love it's amenities. At entry, you're greeted with a tiled entry, an impressive spiral staircase, along with a generous living room and formal dining area highlighted by laminate wood flooring. The kitchen features granite countertops, stainless steel appliances, a pantry, and a center island. Downstairs, you'll find an additional family room, half bathroom, and a private guest bedroom with its own bathroom. This versatile setup is ideal for multi-generational living, live-in help, or a teenager or college kid who wants a little extra privacy. Upstairs, a bedroom immediately to the right offers flexibility and could easily function as a den, home gym, or additional sitting area. Featuring French door entry and its own balcony overlooking the neighborhood, this room provides plenty of options to suit your needs. Four bedrooms in total are located upstairs, all offering generous proportions. The owner's suite is a true retreat, with ample room for your bedroom furniture and additional sitting area, a dual-sided fireplace, large walk-in closet, private balcony, and an inviting owner's bathroom. Step outside to discover the expansive backyard, complete with two covered patios, perfect for relaxing, entertaining, or enjoying time with family and friends. If you're searching for a home that offers plenty of room for your family, or simply enjoy entertaining with ample space, you've found the right place! Priced to sell and ready to impress, this home shouldn't last long. Make sure to see it today!

7638 N Bain Avenue, Fresno

$400,000
2 Beds 2 Baths 654355 MLS
Welcome to this charming move-in ready home in the desirable Fig Garden area, minutes from Fig Garden Village. Offering over 1,800 sq. ft. of living space, the home features two spacious bedrooms, two bathrooms, and a large flex room with direct backyard access. Inside, you'll find a bright living room with natural light, hardwood floors throughout much of the home, and updates that blend with its original character. Classic black-and-white tile in the kitchen and primary bathroom adds to the charm. The spacious primary suite features a large walk-in closet. Outside, the generous backyard offers a sparkling Pebble Tec pool and covered patio, creating a great space to relax or entertain. The home is conveniently located near shopping, dining, and all that the Fig Garden area has to offer.

519 W Rialto Avenue, Fresno

$435,000
3 Beds 2 Baths 654374 MLS
Enjoy fresh new-home living in this 3 bedroom, 2.5 bath two-story home designed for comfort, connection, and everyday ease. The inviting first level features an open floorplan with seamless flow between the modern kitchen, dining area, and comfortable family roomperfect for relaxing, entertaining, and daily routines. The kitchen showcases quartz countertops and a stylish, functional layout for cooking and gathering. Upstairs, a versatile loft provides a convenient shared living area, ideal for a media space, playroom, home office, or homework zone. Two secondary bedrooms and a generous primary suite are easily accessible from the loft, creating a thoughtful second-floor layout. A 2-car garage adds parking and storage, while the fenced yard offers outdoor space for pets, play, gardening, or enjoying quiet evenings at home.

4496 Bellaire Avenue, Clovis

$419,000
3 Beds 1 Baths 654373 MLS
Welcome to 6185 N Mitre Ave in Fresno! This inviting 3-bedroom home offers a versatile floor plan with two bedrooms and a full bathroom conveniently located downstairs, while the private upstairs primary suite is complemented by a spacious loft area-perfect for a home office, second living space, workout area, or relaxing retreat.The main level features an open living area that flows into the kitchen, creating a comfortable space for everyday living and entertaining. Granite countertops in the kitchen and bathrooms add a stylish touch, while plenty of storage throughout the home keeps everything organized and functional. Additional highlights include a newer roof and newer HVAC unit, offering valuable updates for the next owner.Outside, enjoy the welcoming covered front porch or head to the beautiful backyard featuring a covered patio, mature landscaping, and storage sheds for added convenience. With plenty of room to relax or entertain, the outdoor spaces are ready to enjoy.Conveniently located near shopping, dining, restaurants, and everyday amenities, this home combines a functional layout, desirable updates, comfortable living spaces, and a great Fresno location. Come see all that 6185 N Mitre has to offer!

6185 N Mitre Avenue, Fresno

$435,000
3 Beds 2 Baths 654372 MLS
Enjoy fresh new-home living in this 3 bedroom, 2.5 bath two-story home designed for comfort, connection, and everyday ease. The inviting first level features an open floorplan with seamless flow between the modern kitchen, dining area, and comfortable family roomperfect for relaxing, entertaining, and daily routines. The kitchen showcases quartz countertops and a stylish, functional layout for cooking and gathering. Upstairs, a versatile loft provides a convenient shared living area, ideal for a media space, playroom, home office, or homework zone. Two secondary bedrooms and a generous primary suite are easily accessible from the loft, creating a thoughtful second-floor layout. A 2-car garage adds parking and storage, while the fenced yard offers outdoor space for pets, play, gardening, or enjoying quiet evenings at home.

4472 Bellaire Avenue, Clovis

$399,990
3 Beds 2 Baths 654353 MLS
Welcome to 4001 Harlan Ranch Blvd, where comfort, style, and community come together in one beautiful home. This inviting 3-bedroom, 2.75-bathroom residence offers an ideal blend of spacious living, thoughtful design, and effortless everyday living, complete with a 2-car garage.Step inside to an open and welcoming main level featuring beautiful hardwood floors, fresh paint, new carpet, and a beautifully updated kitchen with new quartz countertops, sink, microwave, and dishwasher. One bedroom and a full bathroom are also located on the main level, creating a versatile space perfect for guests, a home office, or everyday living. Upstairs, the home continues to impress with a spacious primary suite and an additional junior suite, complete with its own ensuite bathroom, offering comfort and privacy for family and guests alike.Step outside to your own cozy patio retreat, the perfect setting for morning coffee, al fresco dining, or gathering with friends and family.And then there's the community. Nestled within the sought-after Harlan Ranch neighborhood, residents enjoy an exceptional lifestyle with access to a sparkling pool, clubhouse, year-round community events, on-site security, and so much more. With beautiful surroundings and amenities designed to bring neighbors together, Harlan Ranch offers more than a home it offers a place to truly enjoy the way you live.Come experience the charm, comfort, and lifestyle this home has to offer. Your Harlan Ranch home awaits - schedule your private showing today!

4001 Harlan Ranch Boulevard, Clovis

$349,900
3 Beds 1 Baths 654337 MLS
Old-world charm with a modern refresh, just west of the Tower District. This 1948 corner-lot ranch keeps the architectural details buyers hunt for arched doorways, a formal dining room with recessed ceiling and a picture window, and a fireplace anchoring the living room now paired with the updates already done. Wide-plank flooring runs throughout, new ceiling fans and lighting brighten every room, and the baths have been redone with new vanities, subway tile, and modern fixtures. The kitchen pairs painted cabinetry and a stainless range and hood with tile counters and a sunny corner garden window. Three bedrooms, dedicated indoor laundry room, dual pane windows, central heat and air. Out back, a sparkling in-ground pool sits behind its own safety fence, alongside a pergola-covered patio, storage shed, and low-maintenance yard. Double gates open to a deep concrete drive and detached 2-car garage room for the RV, the boat, or the shop.

848 W Floradora Avenue, Fresno

$195,000
3 Beds 1 Baths 654343 MLS
Calling all investors, renovators and opportunity seekers!Priced at just $195,000, 2222 E White Ave offers an exciting value-add opportunity in Central Fresno. This 3 bedroom, 1 bathroom bungalow features approximately 828 square feet of living space and is ready for its next owner to bring fresh vision and new life to the property. Conveniently located with access to Downtown Fresno, shopping, dining and major commuter routes, the location adds to its long-term potential. Two additional rooms have been added to the property; permits are unknown and buyer is advised to verify. Property is being sold AS-IS and is a CASH-ONLY sale, making this an ideal opportunity for an investor, renovator or buyer looking for their next project. Whether you're looking to renovate and hold, add to your rental portfolio, or explore the property's future potential, bring your contractor and your visionopportunity awaits at 2222 E White Ave!**Possible 3/4 bedroom, permits unknown. Buyer to verify**

2222 E White Avenue, Fresno

Based on information from the Fresno Association of REALTORS® as of . All data, including all measurements and calculations of area, is obtained from various sources and has not been, and will not be, verified by broker or MLS. All information should be independently reviewed and verified for accuracy. Properties may or may not be listed by the office/agent presenting the information.