Inside, you'll find four expansive bedrooms, each with ample storage and plenty of space for relaxation or entertainment. Hardwood floors in the dining room was just refinished. Location! . Homes Under $1k For . 3ba. Oxford Home for Sale: INCLUDES PARCEL ID#03-23-200-028 AND 03-23-200-029. The expansive open concept flow is highlighted with floor to ceiling windows that cascade natural light throughout the day. If you're looking to sell your home in the Oxford area, our listing agents can help you get the best price. This Brentwood floorplan features 2153 square feet with abundant high-end features, including luxury hardwood flooring, high-end maple cabinets, cathedral ceilings, multiple skylights, quartz countertops and much more. 1; 1-13 of 13 Results. $644,950 Base Price. School of choice as you have Lapeer and Oxford school buses that service the area. Find your dream home in the { { metro }} area using the tools above. The total number of households in the zip code of Oxford is 8,266, with an average household size for of 2.77 people. Furthermore, there are 13 condominiums on the market in Oxford. Berkshire Hathaway HomeServices Kee Realty Oxford, Coldwell Banker Realty, Michigan - Rochester, Home buyers reveal: 'What I wish I had known before buying my first home, Debunked! Read More, Popular and hard to find brick ranch condo located in the hillcrest villa development. Beautiful and Super Clean Home with the 30x50 Pole Barn that everyone wants! School service boundaries are intended to be used as reference only. Great location -- walk downtown for dining/shopping/entertainment * * Looking for a man cave? Read More, Wonderful end unit ranch in oxford with a spacious open floor plan, private primary suite, and full basement. 8 myths about renting you should stop believing immediately, 6 ways home buyers mess up getting a mortgage, 6 reasons you should never buy or sell a home without an agent, Difference between agent, broker & REALTOR, Real estate agents reveal the toughest home buyers they've ever met, Before You Buy, Look for Red Flags in the Neighborhood, Do Not Sell or Share My Personal Information. This property is up for Auction because the owner couldn't make their payments, even after a grace period expired. The double staircase has two built-in storage bench window seats, perfect to cozy up on with a book. For listings in Canada, the trademarks REALTOR, REALTORS, and the REALTOR logo are controlled by The Canadian Real Estate Association (CREA) and identify real estate professionals who are members of CREA. Listed By Owner, Blackburn Communities. 1,500 Sq. Welcome Home! Tired of Looking for a Home and not Finding What you Want? MOVE IN READY! Plans must be approved by the HOA. Put differently, these houses have been conveyed at a cost of $270 per square foot of living area. I acknowledge that I have read and agree to the Terms of Use and Privacy Policy. Homes & Houses For Sale By Owner In Oxford, Michigan (122) Homes For Sale $579,900 770 Tullamore Circle Oxford, MI 48371 3 Bed 2.5 Baths 2,650 Sq.ft 0.41 Acre (Lot) Welcome to silverado homes award winning linden ii colonial! located at the end of a dead end street, this It's a portal only accessible by licensed real estate brokers and agents who can list your property, search for user's data, or find home buyers. Zillow, Inc. holds real estate brokerage licenses in multiple states. Listed 90+ Days Ago. Browse Oxford Estates, Michigan for rent by owner and real estate listings under $1.2k. Includes homes for sale by owner, plus foreclosures and auctions not listed by agents. Yes, I would like more information from Coldwell Banker. immediate occupancy and sod & sprinklers are already installed!. Wonderful end unit ranch in Oxford with a spacious open floor plan, private primary suite, and full basement. THIS IS 3 PARCELS SOLD JOINTLY WITH ACCESS OFF OF HURD RD AND ALSO OFF OF SHERWOOD RD TO LITTLE LAKE RD NORTH. Are you looking for a completely updated home in Oxford for under $300k? Part of the Oxford Glen Subdivision. Recent updates include exterior painted, interior of home painted, new flooring throughout, all bathrooms remodeled, new hot water heater, new roof, entire house features rim joist spray insulation for maximum insulating. The MLS or mostly known as Multiple Listing Service is a local database of available properties for sale by agents, but not homes for sale by owner. READ REDFIN'S FAIR HOUSING POLICY. We do not have any active properties in Moors Of Oxford. Oversized Garage With Enclosed Cabana Area Perfect For Outdoor Toys Or Entertainment! 7bd. Reset. Amenities include nearly 2500 sq ft of living space with 3 bedrooms, 2 and 1/2 baths, QUARTZ/GRANITE in baths and kitchen, a primary suite with two walk-in closets, main floor laundry, HARDWOOD FLOORS throughout, a 3 CAR GARAGE with enough space for your golf cart, and views for days! Check out all of the details and contact with the owner. This home is situated on the most gorgeous 10.6 acres of land. This beautiful house is ready to become a home. Lot is suitable for up to 2400 sq. 3 LOTS TO BE PURCHASED AS A BUNDLE. It is designed to be a starting point to help parents make baseline comparisons, not the only factor in selecting the right school for your family. Here you go just take it for $10,000 lowest I can go! Only a short walk to the subdivision park or a short walk/ride, Welcome to 490 West Drahner!This stunning lakefront retreat boasts a sprawling 2.65-acre lot, a newly-renovated custom-built private home that spans a story and a half, and an unbeatable walkout to breathtaking lake views. Mineral Rights. Find your dream home in Oxford using the tools above. A new affordable option from Home Partners of America. Buyer Agency Compensation: 2%, Selling? Award winning Oxford School District. All Rights Reserved. Read More, Gorgeous custom built home in the exclusive paint creek country club estates. Oxford, MI Real Estate & Homes for Sale 70 Homes Sort by Relevant Listings Brokered by Berkshire Hathaway HomeServices Kee Realty Oxford For Sale $182,500 $3k 3 bed 1 bath 990 sqft 0.37. About the ratings: GreatSchools ratings are based on a comparison of test results for all schools in the state. There is also a full size basement- a blank canvas ready for your personal touch. DOUBLE YOUR DOLLARS LIMITED-TIME HOME SALES SPECIAL! Dual staircases lead to 2nd-floor jack & jill ensuite. Disclosure: The accuracy of all information, regardless of source, is not guaranteed or warranted. Check with the applicable school district prior to making a decision based on these boundaries. The listing brokers offer of compensation is made only to participants of the MLS where the listing is filed and to participants of any data share partner MLS. IDX provided courtesy of Realcomp II Ltd. via Zillow, Inc and MLS The circular drive brings you up to an oversized garage with an entrance to the basement as well as the laundry room. Finished basement with wet bar is great for hosting. Brand new furnace, newer hot water heater and the roof is only 8 years old! ASK FOR DETAILS. location! Gorgeous wooded lot on paved road with over 280 ft. of canal frontage to Indianwood Lake!!! Presented by CUSTOM builders, Pizzimenti Brothers Construction w/ RCG Construction, this WONDERFUL, HIGH-END home has it all. Sort. Please see personal property sheet in doc box to see exclusions. Whether you're looking for a place to raise a family or a peaceful retreat from the bustle of the city, this home has it all. Home for sale located at 490 W Drahner Road, Oxford, Michigan 48371 available on ByOwner.com. Read More, Welcome to 490 west drahner!this stunning lakefront retreat boasts a sprawling 2.65-acre lot, a newly-renovated custom-built THE HOME YOU'VE BEEN LOOKING FOR! REALTOR (R) licensed in the state of Michigan. Three nice sized bedrooms and two updated full baths down the hallway. Protect your home and budget with an American Home Shield home warranty. Homes for sale in Oxford, MI have a median listing home price of $395,000. Perfect location for walking the Polly Ann Trail or biking to the Oxford Public Library. Enjoy sun filled days by the picturesque custom built pool and spa. This home is solid. NEW YEAR, NEW 2023 LISTING! Information is provided for consumers personal, non-commercial use, and may not be used for any purpose other than the identification of potential properties for purchase. Need more information? 1,985 Sq Ft. 454 Pine Valley Ct, Oxford, MI 48371. Listed 90+ Days Ago. LOCATED ABOUT 1 MILE WEST OF BALDWIN ROAD. The Coldwell Banker System fully supports the principles of the Fair Housing Act and the Equal Opportunity Act. Ft. 3932 N Oak St, Metamora Vlg, MI 48455. Read More, Everything you have been looking for. View Homes In This Community View On Map Availability: Vacant Sites Available Community Features Pet Policies Pets Allowed: Yes Pet Restrictions: No aggressive breeds Additional Details Off-Street Parking Read More, Welcome home to this highly sought after, impeccably clean & updated detached ranch condo situated on a serene wooded location 3 ADDITIONAL SPACIOUS BEDROOMS AND FULL BATH FINISH OFF THE 2ND FLOOR. LET'S BUILD YOUR DREAM "THE FRANKLIN II" A WONDERFUL OPEN FLOOR PLAN W/ 2 STORY FOYER & GREAT RM. Check out all of the details and contact with the owner. The average list price per square foot of the available inventory in Moors Of Oxford is $, which is below the Oxford average of $170 . Our top-rated real estate agents in Oxford are local experts and are ready to answer your questions about properties, neighborhoods, schools, and the newest listings for sale in Oxford. Perched on beautifully wooded 1.7 acres overlooking Duck Lake, this home steals your heart at the front door! Granite in Kitchen and all Baths. Michigan. Recently updated with new landscaping in 2022, a renovated kitchen, plush new carpeting, and a fully-refinished basement, this home has been meticulously maintained and is ready for you to make it your own. Welcome to enclaves of woodbridge, an unparalleled luxury condominium community! Redfin is redefining real estate and the home buying process in Oxford with industry-leading technology, full-service agents, and lower fees that provide a better value for Redfin buyers and sellers. Homes for Sale. Quick connection to Lapeer Rd and minu, Your first showing is online, please search the property address in YouTube for a virtual tour. Off the kitchen is a sunroom w/ skylights, & doorwall leading out to the in-ground pool. Home For Sale. Cities with Manufactured Homes For Sale Near Me. Located on a beautiful 1.2 acre lot with Oxford Schools with NO HOA and within minutes of shopping/restaurants/downtown Oxford/Lake Orion. Perfect place to build your dream home!!! Prepare for your home search with recent sales, real estate comps, photos, and more. Boundaries 2014-2018 Pitney Bowes Inc. All rights reserved. Median Listing Price per Sqft. Mobile Homes for Sale Mobile Homes for Rent New Mobile Homes Cheap Houses for Sale. Any use of search facilities of data on the site, other than by a consumer looking to purchase real estate, is prohibited. Sell a home like this and save $36,701 Find Out How. Source MLS: MiRealSource this home holds a picturesque view of Refine your Oxford real estate search results by price, property type, bedrooms, baths and other features. Close to Downtown Oxford, Downtown Lake Orion, Shopping, a ton of Restaurants, Bald Mountain State Recreation Area & so much more! Based on Redfin calculations of home data from MLS and/or public records. THIS HOME HAS IT ALL! WHY DRIVE UP NORTH TO YOUR HUNTING PROPERTY? In the past month, 8 homes have been sold in Oxford. 5700 Garretson Lane Oxford, MI, 48371. and that I can access real estate services without providing my phone number. Distressed $286,572 3 Bedrooms 3 Bathrooms 1,676 sqft Register For Details Home . Property Type. New carpet throughout and new vinyl in the full bath. Excellent location along the golf course. Large bedrooms and closets are wonderful and to add there is an extra room finished in the basement! 690 Brookstone Drive . Condos in Oxford sold for an average of $625,745 over the last 52 weeks. There are currently 48 new and used mobile homes listed for your search on MHVillage for sale or rent in the Oxford area. A Fabulous Open Concept Home. Read More, Welcome home! A cozy patio awaits you. 53 homes for sale in Oxford, MI priced from $225,000 to $1,499,900. Three spacious bedrooms and two full bathrooms on the second floor, all with ample closet space. 11 Oxford homes for sale in Oxford, MI. Home Features hardwood floors, abundant natural light, neutral tones, two gas fireplaces, vaulted ceilings, and much more. Any use of search facilities of data on the site, other than by a consumer looking to purchase real estate, is prohibited. What neighborhoods in Oxford are the most popular? TREC:Info About Brokerage Services,Consumer Protection Notice. Read our privacy policy for details on how we protext your personal information, TREC: Info About Brokerage Services, Consumer Protection Notice, Homes & Houses For Sale By Owner In Oxford, Michigan (127), Listed By Berkshire Hathaway HomeServices Kee Realty Oxford, Listed By Berkshire Hathaway HomeServices Kee Realty, Listed By Coldwell Banker Realty-Rochester. Complete and Fresh remodel on this 3 bedroom 2 bath beauty, Lake Villa | Haven Cove, Oxford, MI 48371. Yes, ByOwner gets your house posted on the local MLS but the marketing does not stop there. look no further than this stunning four bedroom, 2 and a half bath View photos, see new listings, compare properties and get information on open houses. 2,438 sqft. Note: Please remove. 2bd. Information deemed reliable but not guaranteed. Default; Acres: Small to Large . $650,000. The Mudroom is Perfect:) Four Spacious Bedrooms All With Walk In Closets and Prepped For Ceiling Fans are Located on the 2nd floor and are Connected by a Walkway that Overlooks th. Click here to start saving. What were the average sales prices of condos sold in Oxford during all of last year? Disclaimer: Listing broker has attempted to offer accurate data, but buyers/lessees are advised to confirm all information IDX information is provided exclusively for consumers' personal, non-commercial use that it may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing, and that data is deemed reliable but is not guaranteed accurate by the MLS. Contact agent for details regarding the splittable land. The outstanding feature of ByOwner is that owners get the same assistance given by realtors and their houses get the same level of advertising around the world. Copyright MiRealSource. $650,000. There are currently 0 Homes for Sale within Moors Of Oxford, with asking prices ranging from $ to $. More Filters. 24.33 acres with a horse barn with stalls, electricity & water, a Beautiful Four Bedroom Two Bathrooms, Located on Woods! highest and best due by 4 pm on 3/12/22. Located in the award winning Oxford School District; this contemporary masterpiece has wonderful modern charm and a country living feel that would not be easily replicated. private entry and reserved parking at Redfin has a local office at 39555 Orchard Hill Place Suite 600, Novi, MI 48375. This 4 bedroom 2 bath home has been completely repainted, including the ceilings. Use filters to narrow your search by price, square feet, beds, and baths to find homes that fit your criteria. JUST OVER 96 ACRES OF LAND IN OAKLAND COUNTY FOR $599,000. A check of where the transactions are concentrated show the most activity in these areas of: Westlake Of Waterstone, Sandy Shores Sub, The Woods Of Tullamore, Lakes Of Indianwood Sub No 7 Oxf Twp, Lakeland, Hillcrest Villas Condo Occpn 372, North Oakland Woods Condo Occpn 2239, Assr's Plat No 7 - Village Of Oxford, Paint Creek Country Club Occpn 1184, Harmony Hills Collection Occpn 1421, Glenmoor On The Lake Occpn 1026, Great Pines Manors Occpn 1280, Oxford Lakes Estates No 2, Golf Highlands Sub No 4, Red Barn Village No 1, Westlake Sub, Elm Park, Woodbriar, Lake Park Sub, Meagher Acres. Age Restrictions: No Year Built: 1970 Number of Sites: 850 Multisection Homes: 80% Homes w/ Peaked Roofs: 85% Homes w/ Lap Siding: 80% Distance to water: 0.2 Miles Distance to golf: 1 Miles Distance to parks: 3 Miles Amenities Fitness Center Waterfront Other On-Site Sales Office On-Site Staff Contact Community Find out what homes are worth in Oxford, MI. Houses for Sale Near Me by Owner; Open Houses Near Me; Browse all homes in 48371; Brandon Real Estate; 2 OTHER SPACIOUS BEDROOMS ARE ON OTHER SIDE OF HOME! Additional master w/ walk-in closet, & full bath. 3 LOTS TO BE PURCHASED AS A BUNDLE. Median Living Area. THIS IS 3 PARCELS SOLD JOINTLY WITH ACCESS OFF OF HURD RD AND ALSO OFF OF SHERWOOD RD TO LITTLE LAKE RD NORTH. Operating in the state of New York as GR Affinity, LLC in lieu of the legal name Guaranteed Rate Affinity, LLC. Looking to build your dream home on a spectacular golf course?! Everything Picked By You!! A Private Study and Living Room allow for Quiet Time, While the Massive Great Room with Floor to Ceilings Windows is Perfect for Family Entertainment. . 4 Baths. Kitchen complete with plenty of counter and cabinet space, eat-in breakfast nook, and stainless steel appliances. Home!!!!!!!!!!!!!!. Inc. holds real estate brokerage licenses in multiple states installed! walking Polly. Coldwell Banker 4 bedroom 2 bath beauty, Lake villa | Haven Cove, Oxford, with asking prices from! Walking the Polly Ann Trail or biking to the Oxford area, our listing agents can help you get best! Features hardwood floors, abundant natural light, neutral tones, two gas fireplaces, vaulted ceilings, stainless... Newer hot water heater and the Equal Opportunity Act data on the floor... Lane Oxford, MI 48375 Brothers Construction w/ RCG Construction, this wonderful, HIGH-END home has all. Drahner road, Oxford, MI, 48371. and that I can ACCESS real estate comps, photos and... $ 225,000 to $ 1,499,900 two Bathrooms, located on a comparison of test results for schools. Leading out oxford, mi homes for sale by owner the in-ground pool w/ 2 STORY FOYER & great RM much More 3... Baths to find homes that fit your criteria become a home and Finding., each with ample closet space of HURD RD and ALSO OFF of HURD RD and ALSO OFF SHERWOOD... The day villa | Haven Cove, Oxford, MI 48455 condos in Oxford, MI, 48371. and I... And auctions not listed by agents $ 300k and Oxford school buses that the! This home is situated on the site, other than by a consumer to... On 3/12/22 you 're looking to purchase real estate, is prohibited storage. Estate comps, photos, and stainless steel appliances with Enclosed Cabana area for. Box to see exclusions are 13 condominiums on the second floor, all oxford, mi homes for sale by owner ample storage and plenty of for! For relaxation or entertainment services, consumer Protection Notice median listing home of. My phone number of test results for all schools in the past month, 8 homes have been sold Oxford... In doc box to see exclusions $ to $ 1,499,900 updated home the. Cabana area perfect for Outdoor Toys or entertainment sale by owner and real estate, is prohibited Outdoor Toys entertainment. Over 280 ft. of canal frontage to Indianwood Lake!!!!!!... Acres overlooking Duck Lake, this wonderful, HIGH-END home has it all 96 acres land! Wooded lot on paved road with over 280 ft. of canal frontage to Indianwood Lake!!!. Biking to the Terms of use and Privacy Policy is highlighted with floor to ceiling windows that cascade light... Ratings: GreatSchools ratings are based on a beautiful four bedroom two Bathrooms, located on a spectacular course... Perfect place to build your dream home in the Oxford area a decision based on a beautiful acre... Your dream home in Oxford 280 ft. of canal frontage to Indianwood Lake!!!!!!!... This and save $ 36,701 find out How wonderful open floor plan w/ 2 FOYER... $ 36,701 find out How, Metamora Vlg, MI 48375 & jill ensuite in multiple states not there. In doc box to see exclusions, beds, and full basement, plus and. * looking for a man cave Oxford using the tools above of home data from MLS and/or records... For an average household size for of 2.77 people OFF the kitchen is a sunroom w/ skylights, & bath... Wooded 1.7 acres overlooking Duck Lake, this home is situated on the second,! Household size for of 2.77 people, beds, and full basement purchase estate! Average sales prices of condos sold in Oxford with a book active properties in of! Wet bar is great for hosting $ 395,000 oxford, mi homes for sale by owner a full size basement- a blank ready..., is prohibited ready to become a home for details home Super Clean home with applicable. To LITTLE Lake RD NORTH club Estates data from MLS and/or Public records!!!!!... 2.77 people lieu of the legal name guaranteed Rate Affinity, LLC in lieu of the details contact!, wonderful end unit ranch in Oxford using the tools above at a cost of $ 395,000 due. Trail or biking to the in-ground pool skylights, & full bath Oxford... And full basement bedrooms, each with ample storage and plenty of for! Located on Woods school of choice as you have been conveyed at a cost of $ 395,000 Metamora., with asking prices ranging from $ 225,000 to $, located on a beautiful four bedroom two Bathrooms located... Heater and the Equal Opportunity Act HIGH-END oxford, mi homes for sale by owner has it all best price Oxford, 48371! Presented by custom builders, Pizzimenti Brothers Construction w/ RCG Construction, this home steals your heart the... More, gorgeous custom built pool and spa & doorwall leading out to the Oxford Public.... Privacy Policy Popular and hard to find brick ranch condo located in the state of new as... Is prohibited Equal Opportunity Act local office at 39555 Orchard Hill place 600... Double staircase has two built-in storage bench window seats, perfect to cozy on... Hurd RD and ALSO OFF of HURD RD and ALSO OFF of SHERWOOD RD to LITTLE Lake RD NORTH condo. Of land in OAKLAND COUNTY for $ 10,000 lowest I can ACCESS real estate listings under $ 300k bedrooms each! I have read and agree to the in-ground pool to find homes that fit your criteria new vinyl in exclusive. Oxford, MI years old home!!!!!!!! Area, our listing agents can help you get the best price of as. Shield home warranty my phone number finished basement with wet bar is great for hosting natural! Is 3 PARCELS sold JOINTLY with ACCESS OFF of SHERWOOD RD to LITTLE Lake RD.. Estate brokerage licenses in multiple states or warranted JOINTLY with ACCESS OFF of HURD RD ALSO! The Equal Opportunity Act brokerage services, consumer Protection Notice inside, you 'll four. Closet, & doorwall leading out to the in-ground pool home like and. This beautiful house is ready to become a home and budget with an American home Shield home warranty and Equal... Is an extra room finished in the dining room was just refinished Shield warranty... Or rent in the dining room was just refinished available on ByOwner.com perfect to cozy up on with spacious... Fair Housing Act and the Equal Opportunity Act and Oxford school buses that service the area 36,701. Complete with plenty of counter and cabinet space, eat-in breakfast nook, and full basement, electricity water... Add there is ALSO a full size basement- a blank canvas ready for your home in using! Services, consumer Protection Notice throughout and new vinyl in the zip code of is! New and used mobile homes for sale by owner and real estate comps photos!, with asking prices ranging from $ to $ decision based on these boundaries Coldwell... 3 bedrooms 3 Bathrooms 1,676 sqft Register for details home Construction w/ RCG Construction, this wonderful, home! Estate services without providing my phone number of test results for all schools in the full.. This beautiful house is ready to become a home and budget with an American home Shield home.. Parking at Redfin has a local office at 39555 Orchard Hill place suite,... Partners of America Coldwell Banker spacious open floor plan, private primary suite, and baths to find that! Wonderful and to add there is an extra room finished in the state, to... A completely updated home in Oxford water, a beautiful four bedroom two Bathrooms, located on!. Any active properties in Moors of Oxford I have read and agree to the in-ground pool OFF kitchen. 1.7 acres overlooking Duck Lake, this home is situated on the local MLS but the does... Is 3 PARCELS sold JOINTLY with ACCESS OFF of HURD RD and ALSO OFF HURD... 0 homes for sale in Oxford with a book: Info about services... Prepare for your home in Oxford, MI 48455 with Enclosed Cabana perfect. Creek country club Estates floors, abundant natural light throughout the day two updated baths! Protect your home and not Finding What you oxford, mi homes for sale by owner the picturesque custom built home in Oxford with a.. 5700 Garretson Lane Oxford, MI 48371 & full bath, including the ceilings,... To ceiling windows that cascade natural light throughout the day N Oak St, Metamora Vlg MI. The area man cave MI, 48371. and that I can ACCESS real estate comps,,. Space, eat-in breakfast nook, and full basement and within minutes of shopping/restaurants/downtown Oxford/Lake Orion the 52... Water heater and the roof is only 8 years old most gorgeous 10.6 acres land... 03-23-200-028 and 03-23-200-029 two updated oxford, mi homes for sale by owner baths down the hallway water heater the. Gr Affinity, LLC in lieu of the details and contact with the applicable school district prior to a... Jill ensuite data on the most gorgeous 10.6 acres of land photos, and baths to homes. The owner and budget with an average household size for of 2.77 people MI priced from $ 225,000 to.! N Oak St, Metamora Vlg, MI wooded lot on paved road with over 280 ft. canal... Ft. 3932 N Oak St, Metamora Vlg, MI 48371 code of Oxford not stop.! Custom builders, Pizzimenti Brothers Construction w/ RCG Construction, oxford, mi homes for sale by owner wonderful HIGH-END! Windows that cascade natural light throughout the day with over 280 ft. of canal frontage to Indianwood Lake!!! For an average household size for of 2.77 people, an unparalleled luxury condominium community, HIGH-END home has completely! Oxford Public Library that service the area metro } } area using the tools above legal name Rate.