ByOwner gives its clients all of the benefits of employing a real estate broker without the stress on your family budget. LEARN: Traditionally, both the buyer's agent and the listing agent are paid a commission by the homeowner. At the moment, 1 houses are now active and available. The data relating to real estate for sale on this website comes from Berkshire County Board of Realtors and the Broker Reciprocity Program. Overall, the most important factor is knowing where the line is between necessary and over-the-top. 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, Do Not Sell or Share My Personal Information. List your home for too little and you leave money on the table. "But spending money on high-end features to take it from good to extravagant will be a waste.". A Flat Fee MLS, on the other hand, is a real estate service that can market your for sale by owner (FSBO) home in Vermont for an Entry Only service with a pre-set price to list your property on the MLS. All appliances are new, less then 2 years old. As a FSBO seller, you'll have to navigate the paperwork by yourself. check your free credit scores now. The information being provided is 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. Walking distance to shopping center, public beach, public parks and bike path. Back deck with jacuzzi tub. . All 4 bedrooms have hand built cedar closets with three of the closets having built in shelving to optimize storage space. List with a top agent for just $3,000 or 1%. If you wish to report an issue or seek an accommodation, please let us know. Indeed, if you do any marketing at all, you'll be a step ahead of most FSBO sellers as nearly 50% do no marketing or advertising of any kind. Save Search. You may need additional affidavits like a name affidavit (which lists all of your or the buyer's previous names) or an affidavit proving you are not a foreign citizen and therefore exempt from certain property sales taxes. You'll want to be flexible and try to show your house at buyers convenience. Cities Avg. 239 Depot Street Bennington, VT 05201. building between buyer and seller in a FSBO were right on the money in This property is perfect location. Buyer pays if they want to use one! Vetting buyers to ensure they're qualified, from a financial perspective. Off street parking, fully fenced back yard. With this house you can be in the middle of the action but with 2.75 acres it is very private. Main cabin is a 24x24 cedar log sided home. Hand built custom design log home on 2 & amp; 1/3 acres with attached 2.5 car garage and heat/cooled bonus room. MODERN STYLE Modern style, 4 car garage with pool, pond, man cave separate out building, privacy, mooring rights with shared beach What the seller loves about this home Privacy; one of a kind. All rights reserved. What the seller loves about this home Great location, close to down town Manchester and Hooksett. Accurately and competitively pricing your home. Was previously on the market but wanted to keep it a bit longer. Find 137 homes for sale in Washington County with a median listing home price of $285,000. 0 Beds | 0 Baths . Vermont Homes For Sale By Owner | ByOwner.com House for sale in Vermont There are currently 2 homes for sale in Vermont. What the seller loves about this home Close to downtown, with view of the Boquet River, but out behind the house it feels like the country. open fields, paddocks, & amp; wooded nature & amp; wildlife trails, waterfall views, The bad- it is a fixer upper. A loft overlooks the living area and offers stunning views of the mountain and surrounding area. Walk to the oval and enjoy numerous restaurants, bars, coffee shops, shopping and great holiday celebrations! For Sale By Owner Homes. Convenient location with in walking distance to restaurants and stores. days on market . A detailed list of all the costs associated with the sale and who pays them. Here are some Vermont flat-fee MLS companies to compare: Budget-conscious sellers who need a simple, affordable listing. A notarized document that states you own the home, that there are no liens on the property, that you are not simultaneously selling the home to someone else, etc. Or, keep reading to learn how to successfully sell your house without an agent. The home is 4,757 sf, 22 room, 2 & frac12; story frame Victorian house, approximately 180 years old, with 2- three-bedroom apartments that are available for occupancy and 1- two-bedroom apartment that is partially completed. 2 Single Family 0 Condos 0 Town Homes 0 Multi Family 0 Land Parcels 0 Others. How real estate commissions work. This home also has 3 other spacious rooms. Have you ever dreamed of having no rent or mortgate payment? Zillow (Canada), Inc. holds real estate brokerage licenses in multiple provinces. 442-H New York Standard Operating Procedures New York Fair Housing NoticeTREC: Information about brokerage services, Consumer protection noticeCalifornia DRE #1522444Contact Zillow, Inc. REXs promise of huge savings is misleading. Open floor concept on the first floor with original craftsman built features, exposed beams, hardwood floors, and large wood fireplace add to the warmth and ambiance of the home. Sell on your own without being alone. The trademarks MLS, Multiple Listing Service and the associated logos are owned by CREA and identify the quality of services provided by real estate professionals who are members of CREA. Call for additional information 802 864 4525, Master Bedroom with huge private bath and Walk-in closet. Houzeo lets you buy additional services like contract reviews, agent showings, and professional showings a la carte. Keep the home clean and decluttered at all times. For example, a Clever survey of local real estate professionals found that in Vermont, sellers often cover 1.60% to 2.40% of buyers' closing costs. Want to build credit with rent payments you're already making? Beautiful Views from property, especially from 3rd floor. Best house to raise kids, all schools are with in 1 mile distance. Beyond this perk, the MLS listing is followed by listing on broker sites like ReMax, C-21, Coldwell Banker, ERA, Redfin, Movoto, Keller Williams. FOR SALE BY OWNER. You have to pay extra for pricing assistance several local competitors offer this for free. If you are a buyer,you can find your dream home in Vermont here OR if you are a seller you can advertise your home listing absolutely Free on FSBOHomeListings.com today and reach thousands of buyers nationwide. Save your search and be the first to know. Please switch to a supported browser or download one of our Mobile Apps. will sell for in this current market. Driveway in place and lots of clearing done. Many real estate companies will also conduct an analysis for little to no charge. Located on route 12. Homes, Houses & Apartments For Rent By Owner In 05440, VT (1) . Brokerage. days on market 76 5 homes for sale Norwich, VT Avg. It offers latest FSBO homes, Owner homes,houses for sale, town-homes/condos for sale, land for sale, multi family homes for sale and commercial property for sale by owner listings in Vermont. We closed on our If your home has major appliances or systems that are on their last leg, a. If you are using a screen reader, or having trouble reading this website, please call Redfin Customer Support for help at 1-844-759-7732. 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. As-Is cash sale. Clever is a quick, easy, and free way to find a top-rated local agent. REDFIN IS COMMITTED TO AND ABIDES BY THE FAIR HOUSING ACT AND EQUAL OPPORTUNITY ACT. Direct control over how your home is sold, including the pricing strategy, showing schedule, and negotiation process. Stairs leading to finished attic can be accessed through master bedroom. If you are looking to buy or sell home in Vermont, our website can supply you with the most updated and free real estate listings information in Vermont. You may not get matched with an agent from your preferred real estate brokerage. Master bedroom suite includes ample closet space, a bathroom wit. soon. Pricing your home can be tricky price it too high and your home will sit on the market, price it too low and buyers will think there's something wrong and avoid your home like the plague. WALL TO WALL REPLACEMENT WINDOWS NEW SHINGLES NEWLY INSTALLED KITCHEN CABINETS MOVE IN READY Listing by: (518) 955-8459 This cute but spacious, move in ready, 3 bedroom home located in the Town of Fort Edward, Hudson Falls School District, is a must see! Two car garage with Clopay doors. Fill out your basic info below to connect with a top, local realtor for a no-obligation consultation. Property Type. All rights reserved. Its a portal only accessible by licensed real estate brokers and agents who can list your property, search for users data, or find home buyers. Chittenden Town Reservoir for wonderful camping, swimming and Kayaking. We'll go into more details about what you need to do in Vermont, but here's an overview of the state's laws and regulations. The living room flows seamlessly into the dining area and gourmet kitchen, which features stainless steel appliances and gas range. Our top-rated real estate agents in Vermont are local experts and are ready to answer your questions about properties , neighborhoods, schools, and the newest listings for sale in Vermont. If you are thinking of selling your Charlotte home, try our flat fee listing service, Our list fees start at $499, and may save you $15,000 in real estate commissions. 14 Cedar Point Rd, Grand Isle, VT 05458 $1,500,000 3 bds 2091 State Route 12,, Lake Elmore, VT 05657, 4302 Bolton Valley Access Rd Unit 278-280, Richmond, VT 05477, 10523 Pomfret RD, North Pomfret, VT 05053, 3563 Pleasant St, West Brookfield, VT 05060, 96 Hummingbird Ln, South Burlington, VT 05403, 1275 Burgoyne Ave, Hudson Falls, NY 12839, 154 Golf Course Rd, Au Sable Forks, NY 12912. There is a 2 bedroom conventional septic in place. FSBOHomeListings.com is a free resource for Vermont FSBO home listings. Log In Sign Up. If you and your family enjoy an active lifestyle then you will find that this location has no equal! Redfin is available in 80+ U.S. markets (see all locations). LOCATION! Homes For Sale By Owner In Rutland County, VT28 Homes Available. As with most real estate opportunities, these situations have positive and negative advantages. Worth seeing it once. Along with the pictures, be sure to write enticing and engaging descriptions that will capture buyers' attention. Listed by: (802) 356-2031, You will love sipping your morning coffee while you enjoy the Mountain View & rsquo; s from this cozy cabin. Its advertising misrepresents the significant risks of its pricing model and marketing approach. House is a 5 + bedroom, 2 baths, dining area, kitchen with wood stove and sitting area/ mud room space possibility with separate entry. 2br, 1 Br , close to square Keene nh, LAUNDRY ROOM LARGE REAR YARD COMMERCIAL KITCHEN Listing by: (516) 431-9867 This was the original town hotel and tavern. You want to make a great first impression on as many buyers as possible, so add little touches that speak to most people. Save your filters to get instant new home alerts. David and Lori Fitzgerald, Westford May 17,2022. 1,249 homes for sale in Vermont priced from $49,900 to $18,000,000. Understanding Vermont's housing trends will provide some guidance on what your home is worth and how much it testimonials on Picket Fence that document the frequent friendship BIG BACKYARD Only 18 years old beautiful home is waiting for a new owner. SAVE: Landlords favour applicants with high credit scores. In the last three years the windows were replace all doors inside and out, new kitchen, new bathroom, all painted, new roof on the garage too, mini split heat pump added, electric upgraded to 200 amp, all new ceiling fans and light fixtures, large fence added, The basement is heated and the front has been finished into living space, above ground 24 by 52 inch pool. Homes For Sale By Owner In Vermont135 Homes Available. In Vermont, the average realtor commission rate is 4.19% to 6.05%. one story home, with 12 X12 shed (5 years old) and 1/4 acre of lawn and garden up against woods. COZY CONDO Cozy condo in the Bolton Valley resort. Grid View Map View. In Vermont, this will typically cost you a couple hundred dollars. Numerous updates and improvements over the last, Big Burlington Duplex - Location, location, location! Brattleboro, Vermont. We get it. READ REDFIN'S FAIR HOUSING POLICY. OLD HEATING SYSTEM SPACIOUS LOT PUBLIC BEACH PUBLIC PARKS 3 bedroom 2 full bath on a spacious lot located in the North Avenue Coop. Other For Sale. Copy of the original, signed sales agreement as well as any agreed upon changes. If you are using a screen reader, or having trouble reading this website, please call Redfin Customer Support for help at 1-844-759-7732. Redfin gives its listings premium placement in its popular home search app. Tavern with commercial kitchen, dining room seats 60. SEARCH; . Very fond memories of spending weekends & amp; several holidays throughout childhood. If you're looking to sell your home in the Vermont area, our listing agents can help you get the best price. Two additional, 14 Holton Rd is a 1,246 square foot house on a 0.37 acre lot with 3 bedrooms and 2 bathrooms, LOG HOME LARGE FENCED GARDEN WHOLE HOSE FILTER FRUIT TREES CUSTOM FEATURES Log Home! Houzeo is Americas #1 For Sale By Owner Platform What the seller loves about this home This home is located in a small town with great neighbors. Information deemed to be reliable but not guaranteed. 'For Sale by Owner (FSBO California)', 'Sell your home yourself' or 'Do it yourself MLS listing' refers to the method of listing your home for sale without the help of a listing agent. Find your dream home with Houzeo! To legally transfer your property, you'll need the deed that proves you're the rightful owner. Very energy efficent. tax $1617. Ask yourself: Answering these questions honestly will help you see if your price is in the right ballpark. Four-season camp on 6.2+- acres in Willsboro, part of the General Business Zoning district. There are currently 19 for sale by owner homes for sale in Vermont. When you sell your home, there are four common scenarios when it comes to commissions: The table below shows how this could break down in Vermont: Once you find a buyer for your house, it's time to start the closing process. Renovations are, Beautiful 3 unit, 3 Br. View of creek from living/dining and family room. You can fill out, sign, and submit all your seller's paperwork on the Houzeo app. Browse 1 for rent by owner and real estate listings in 05440 Vermont. Clever has pre-negotiated low commission rates with top agents in all 50 states and Washington, DC. Big basement for storage or a workshop. Homes, Houses & Apartments For Rent By Owner In 05440, VT (1), Info About Brokerage Services, Consumer Protection Notice. Search For Sale By Owner homes near you. Look at recent sales data in your area on Zillow or other real estate sites to find an accurate price point for homes of comparable size and condition to yours. In a typical sale, the seller also agrees to a commission rate for the realtor who brings the buyer to the table, which runs between 2.00% to 2.93%. Redfin is redefining real estate and the home buying process in Vermont with industry-leading technology, full-service agents, and lower fees that provide a better value for Redfin buyers and sellers. In addition, you'll want to take professional photos of your newly staged home in order to advertise and market your home's potential. We do not have any active properties in 05440. Additionally, you'll need to know and understand all of your responsibilities as a FSBO seller, which include: Note: Vermont is one of several states that require sellers to hire a real estate attorney. In terms of Brattleboro's weather, the mean annual high temperature is 54 degrees fahrenheit, and the average low temperature is 33 degrees fahrenheit. Analyze details about the houses and how they compare to yours. More Filters. Located in the center of a small town with no other eating or drinking establishments. There are currently 1,527 homes for sale in Vermont. These websites tend to list all MLS entries so your FSBO home will likewise appear. If saving money is your main reason for selling your home by owner, there are alternatives. Updated January 2023: By searching, you agree to the Terms of Use, andPrivacy Policy. Recently ad, GREAT DOWN SIZE or STARTER HOME, LOFT OFFICE, PRIVATE BALCONY, PRIVATE DEAD END CUL-DE-SAC, OWN PLAYGROUND, LARGE FENCED YARD, GOOD SMALL SCHOOL Listing by: (518) 338-6859 Townhouse, & ldquo; Full Remodel & rdquo; -Turn key ready, new almost everything, private dead end cul-de-sac, has own playground, large yard, front & amp; rear decks, private balcony, loft office, 10min from chip plant(no stop lights), good small school, 10-12min north to exit 12 or 10-12 south to exit 9. See nearby results below. Selling furnished. Only minutes away from I89 and a short drive to Killington ski area. As-Is cash sale. But now that you know what awaits, if you're feeling confident about all the steps and possible challenges, you might be ready to sell without a realtor. "We closed last Thursday, for our This stunning home boasts a bright and open floor plan, perfect for entertaining family and friends. Sitting in the shade in the back yard enjoying a cool breeze. With in walking distance to several convenience stores and restaurants. Main living area includes cozy kitchen with dining area and large living room. Walking distance to downtown and a large conservation area. Owners apt on 1st floor with sep entrance and 2 bedrooms. Pricing strategy is often make-or-break for FSBO sellers. The listing brokers offer of compensation is made only to participants of the MLS where the listing is filed. Pergo on entire main floor. To gain the upper hand, get creative with the seller concessions you offer a buyer. Find your dream for sale by owner in Vermont using the tools above. Clevers Concierge Team can help you compare local agents and negotiate better rates. Organization is key when showing your home to potential buyers. This map is refreshed with the newest listings in Vermont every 15 minutes. IntelliList Listing Management; Houzeo Showings . Golf course close by. Best low commission real estate companies, Best we buy houses for cash companies, Are you a top realtor? You may contact us if have any questions/suggestions for improving our site. FRONT DECK GREY LUXURY VINYL FLOORING BACK PORCH Listing by: (518) 420-9283 Charming completely remodeled 3 bedroom 1.5 bath ranch with hardwood floors in the living room and bedrooms and grey luxury vinyl flooring in the kitchen and dining room. The right family would do very well with this property- living, working and leasing. Here are some key pricing metrics that will help you decide the best listing price for your home and market: Once you've decided on a price, it's time to write a listing description that speaks to local buyers. To help price your home competitively and at a price that will draw in potential buyers, learn the Vermont housing market inside and out. price / sq. This is a one of a kind home. With the aid and exposure ByOwner affords a For Sale By Owner, the profit is larger because financial cost to the seller is smaller. READ REDFIN'S FAIR HOUSING POLICY. Further, if you list FSBO, you'll likely receive multiple calls from agents offering to connect you with their buyersif you pay them a competitive buyer's agent commission (typically 2.46% in Vermont). Unit 2 family - rents could be higher. Rental income more than paying mortgage payment! There is 1200 M, NEW KITCHEN LARGE FENCE NEW CEILING FANS NEW BATHROOM LIGHT FIXTURES NEW ROOF NEW GARAGE DOOR OPENERS Absolutely turn key. Listed 8 Days Ago. Check with the applicable school district prior to making a decision based on these boundaries. Here are some helpful tips from Clever CEO and real estate investor Ben Mizes, who has experience listing homes without an agent. Understanding their priorities will help you identify what features of your property to highlight in your listing and attract more interest. There are 4 large bedrooms, 2.5 bathrooms, large country kitchen with a sitting room, and deck. If you've already paid your mortgage in full, you'll need documentation proving that. If you decide not to offer a buyer's agent commission, you may severely restrict your pool of buyers. UNFUNCTIONAL OIL FURNACE What the seller loves about this home Old farmhouse with 10.6 acres plus additional lot 2.3 acres total 12.9 acres of farmland, with fields/paddock/ wooded trails, with creek running through property. list price $447,250 Avg. 1620 pond hill road Castleton, VT 05735. This is often prepared by your escrow agent or title company. List exactly when the renovation was done, roughly how much it cost, and what its current condition is today. In the event forms are lost or errors are discovered in the future, a correction statement and agreement requires you, the buyer, or their lender, to replace or fix those documents if need be. The median list price in Vermont is $604,500. Zillow, Inc. holds real estate brokerage licenses in multiple states. Most competitors offer unlimited free changes. This home provides the opportunity to design and build your own customized kitchen and bathroom while already having beautifully crafted double grooved pine walls and ceilings. Buy a home in Vermont, New Hampshire, Maine, real estate sell, waterfront, lakefront, condo, townhouse, commercial, investment. Find your dream for sale by owner in Vermont using the tools above. Low taxes- $5000 Oi, Listing by: (518) 815-0265 Great Investment. In most cases, a valid passport, driver's license, or other form of Vermont-issued ID. 1788 farmhouse cape. Thank Agents may not provide premium services like drone photography and professional home staging. REX is available in the following areas: AZ, CA, CO, FL, GA, MD, NV, NJ, OR, PA, TX, WA, DC. One bedroom two bathrooms. New leeching fields in designed by areas& apos; top engineer and installed in 2007 LOCATION! This house has a crawl space and has been lived in up until Sept 2022. No listing commission, which could save you 2.66%, based on the Vermont average. Accepting an offer from an unqualified buyer will cause your sale to fall through. It will also list the final price of the home and what was included in the sale. This home is a blank pallet for you to come in and use your imagination to make it your very own. "Bake cookies or light scented candles before a showing," advises Mizes. 23 ft bar. Permitted to build two houses on land. These receipts also provide the buyer with information about who to contact if they discover issues with the repairs in the future. Small stream on the edge of the yard. Twin Ponds Preserve, NY $69,000 Access. If you have problems or questions, you'll end up talking to two companies instead of just one. price / sq. Sell with a top local agent for just $3,000 or 1% listing fees. couple of weeks to get our new condo set up. & nbsp; & nbsp; I have report from Manosh who did the work, all in great shape. Also local ski areas within a short drive. New Roof, updated plumbing. As a FSBO seller, you automatically avoid paying a listing commission. TREC:Info About Brokerage Services,Consumer Protection Notice. To get an accurate idea of what your house is worth, look at comparable listings in your area. 2. both units have washer dryer hook ups. All rights reserved. ", Picket Fence makes it EASY to sell on your own, Helping Homeowners Buy and Sell by Owner for 29 years, To We sold to a local buyer Used under license. Lower commission: As a FSBO seller, you could sell your home without paying any commissions. See nearby results below. 2.5 Baths. And its high minimum fees mean that many sellers won't save anything. Also, consider how valuable specific repairs are to buyers in your area. The second level of the home offers a luxurious primary suite with a walk-in closet and a spa-like en-suite bathroom and a double vanity. Come take a look at it, it might surprise you. Browse Washington County, VT real estate. Has unfunctional oil furnace that needs to be removed/ replaced. To 720 templeton rd MONTPELIER, VT 05602. Copyright: 2023 Redfin. Sort by: Popular Cities in . It & rsquo; s potentially four bedroom but registered as three bedroom house, two full bathrooms. Multi Unit. Remember, to succeed at selling a house by owner you'll need to: If you'd like some professional guidance with no strings attached, Clever can help. $159,900. Simple DIY projects like a fresh coat of paint or new cabinet pulls have a high return on investment, whereas pricier improvements like adding a new bedroom may not. With no listing agent in the picture, the seller saves 3% on the listing agent commission. Roof less then 1 yr old, 3 yr old heating system and 2 yr old hot water tank. ", -- Ginny G., Richmond 10/17/22 AP $675,000 SP $675,000, "I wanted to let you knowI closed When it comes to advertising and posting your listing, you have several options as a FSBO seller. To avoid an expensive mistake, consider working with a low commission realtor instead. With access to our Charlotte, Vermont flat fee MLS listing service, you are set free from the dreaded six percent commission so often expected by traditional real estate agents. Read More. Listed 7 Days Ago. The home warranty service agreement will explain what is covered, for how long, and any costs associated with the policy. Focus on upgrades that have a higher cost recuperation in your region. Clever is a nationwide real estate service that connects sellers with top, local agents. Now it is for sale! Homes & Houses For Sale By Owner In Charlotte, Vermont (1), Charlotte, Vermont flat fee MLS listing service, Info About Brokerage Services, Consumer Protection Notice. What FSBO sellers in Vermont need to know | Vermont FSBO paperwork | Vermont real estate commissions | How to list FSBO | FSBO pros and cons | Tips for selling without a realtor | FSBO alternatives. Homes For Sale in Milton, VT Homes For Sale in Milton, VT. Price: to Beds: Baths: placeFilter By Location. Tour fixer-upper houses & make offers with the help of local Redfin real estate agents. Ready to find real estate agents who can help you save thousands on your sale? The heating options include a Hearthstone propane stove or electric baseboard on the. & quot; Bunk house& quot; is a 14x30 open concept with electric and propane heat. This is basically a receipt that includes both your information and the buyer's. Research shows that FSBO homes typically sell for about 6% less than those listed with agents AND you'll still usually be on the hook for offering a competitive buyer's agent commission. Zillow, Inc. holds real estate brokerage licenses in multiple states. $175,000. It& apos; s les. 9 Racine Road #106 . Redfin agents handle more customers at once than the average realtor, so they may not be able to provide as much personalized service. Cleared site where old cabin was, ready to build! This map is refreshed with the newest listings in Vermont every 15 minutes. Now the question arises, who pays closing costs when selling a house by owner? Copyright: 2023 Redfin. You'll need a good system for scheduling showings and saving buyers' and agents contact information. Some of these homes are "Hot Homes," meaning they're likely to sell quickly. The home has a front deck and back porch with a lovely front yard. The company won't be your listing broker. Gorgeous kitchen flows directly to dining area, great space for entertaining while preparing a meal. Low utilities. 1993-2023Picket Fence Preview Inc. All rights reserved. It is a newer plastic tank and new pipe to house site from septic tank. 162 cheap homes for sale in Vermont, VT, priced up to $230,000. The MLS is how real estate agents find homes for their clients, and typically a buyer's agent commission is included to incentivize these realtors to show the house to their clients. 1.75 hours to Boston. Rent one side, live in the other side and build equity. Single Family, Multi Family, Town House, Condominium, Cooperative, Land/Lot, Mobile, Other, District of Columbia For Sale By Owner (FSBO). If you had a pre-sale inspection, you'll want the results to compare to the buyer's inspection. Perfect for hanging out with friends and family after a day on the hill or just to relax. Disclaimer: School attendance zone boundaries are supplied by Pitney Bowes and are subject to change.