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$1,430,000
6 Beds 4.1 Baths 10651858 MLS
Exceptional home offering 4,800 square feet of thoughtfully designed living space with 6 spacious bedrooms +FROG and 4.5 baths. The open-concept kitchen flows seamlessly into the expansive family room w/a gas fireplace, creating the perfect layout for entertaining & everyday living. Enjoy abundant natural light & flexible living areas, plus tons of storage! Step outside to your private backyard retreat featuring a covered patio, outdoor kitchen, expanded patio area with firepit & hot tub, plus a large, fenced yard with lush green lawn, butterfly garden, & vegetable garden. Enjoy neighborhood amenities including a clubhouse, exercise room, pool, biking paths, playgrounds, ponds & more. Just 7 min from Sandbridge beach & close to fresh produce stands – you will love the convenience of this amazing home. Come check it out today!

2836 Camarillo Lane, Virginia Beach

$995,000
5 Beds 4.1 Baths 10651459 MLS
Welcome to 3044 Jimmy Mobley Way in the desirable Kingston Estates community of Virginia Beach! This stunning 5-bedroom, 4.5-bath home offers beautiful curb appeal with a stone-accented exterior, covered front porch, gorgeous landscaping, oversized driveway, and a rare 3-car garage-complete with separate Split HVAC. Newer luxury carpet and freshly painted interior. Inside, the open-concept floor plan features beautiful LVP flooring, abundant natural light, and a spacious living area with a gas fireplace. The gourmet kitchen boasts white shaker cabinetry, quartz countertops, a large center island, farmhouse sink, tile backsplash, stainless steel appliances including a double oven, and a built-in wine rack—perfect for entertaining. The spacious primary suite offers a luxurious retreat with a large en-suite bath featuring dual vanities, tiled shower, and an expansive walk-in closet. With five bedrooms and four-and-a-half baths, there’s plenty of space for family, guests, or a home office. Additional highlights include an insulated 3-car garage with a mini-split system, fully fenced backyard, new oversized custom gazebo. Enjoy the community walking trail directly in front of the home. Conveniently located in the sought-after Princess Anne area, close to schools, shopping, dining, parks, and major roadways. A beautiful home offering space, style, functionality, and an exceptional Virginia Beach location!

3044 Jimmy Mobley Way, Virginia Beach

$3,895,000
4 Beds 3.2 Baths 10651899 MLS
A rare and elegant deep waterfront offering in the heart of Bay Colony, this exceptional four bedroom residence with three full and two half bathrooms captures expansive Crystal Lake views from almost every room. Set on an oversized 1.1 acre professionally landscaped lot, the property offers an extraordinary sense of privacy and tranquility, with lush gardens, mature trees, fountains, water features, and a picturesque pond overlooking Crystal Lake. A large circular drive protected by mature hedging leads to the new 2026 gated entry, covered porch, brick walkway, and beautiful double front doors. Inside, a soaring cathedral foyer with skylights opens to elegant living spaces framed by floor-to-ceiling Anderson windows and spectacular water views. Rich hardwood floors, crown molding, wide baseboards, refined architectural details, a gourmet chef’s kitchen, butler's pantry and two separate wet bars elevate the home. Enjoy the convenience of two luxurious primary suites, one on the first floor with its own private wing with fireplace, bookshelves, walk-in closet, private sitting area, and upgraded primary bath, and the second primary option on the second floor offering a separate sitting area and luxurious bathroom. Outdoors, a gazebo on the dock provides the perfect setting for enjoying all waterfront living has to offer, and features 21.5 tons of rip rap added to the bulkhead in October 2025. A truly distinctive Bay Colony estate where luxury, privacy, precise architecture, and extraordinary deep waterfront living combine.

1230 E Bay Shore Drive, Virginia Beach

$380,000
4 Beds 2.1 Baths 10651831 MLS
INVESTOR SPECIAL! CASH ONLY. AS-IS. MOTIVATED SELLER. Located in the desirable Glenwood neighborhood, this traditional 2-story 4-bedroom, 2.5-bath home with 2-car attached garage offers an excellent opportunity for investors seeking a full interior rehab. Major systems have been updated, including roof (2021), HVAC/furnace (2022), windows (2019), and a new composite deck (2025). Interior requires significant rehabilitation, including flooring, deep cleaning, painting, hardware repairs and bathroom leak repair. Buyers are encouraged to conduct thorough due diligence and review seller disclosures. Seller offers no repairs or credits. Proof of funds required. 10-14 day closing preferred. Seller prioritizes speed and certainty of closing.

1044 Creekview Ridge Court, Virginia Beach

$245,000
2 Beds 2 Baths 10651836 MLS
Move-in ready with convenient elevator access, this beautiful condo in sought-after Riveranne at Kempsville Landing offers single-level living with a fantastic layout. Features 9-foot ceilings, an open, inviting design, and peaceful wooded river view. Spacious living room with gas fireplace opens to a beautiful private balcony. The kitchen's breakfast bar flows seamlessly into the living area, while the formal dining room provides an elegant space for entertaining. Expansive Primary Suite features a vanity area, and attached bathroom with jetted tub. Coming home feels effortless, with elevator access delivering you just steps from your front door. Tucked away in a private setting, yet centrally located near highways, shopping, dining, and Town Center!

300 Riveranne Court Unit 313, Virginia Beach

$375,000
3 Beds 2.1 Baths 10651792 MLS
Light, bright, and beautifully refreshed! This spacious 3-bedroom, 2.5-bath condo offers lots of comfortable living space plus an attached garage. Freshly painted throughout with all-new flooring, including stylish plank flooring and carpet. The open kitchen features a breakfast bar and flows easily into the dining area, while the inviting living room boasts a gas fireplace. Upstairs, the spacious primary suite features tall ceilings, a private bath, and a walk-in closet. Enjoy your own privacy-fenced patio for relaxing or entertaining. Recent updates include a new dishwasher (2025), HVAC (2022), and hot water heater (2020). Condo fees include water, sewer, and trash pickup. Community amenities include a clubhouse, pool, and playgrounds. Move-in ready and waiting for you!

1833 Staple Inn Drive, Virginia Beach

$725,000
4 Beds 3 Baths 10651366 MLS
Experience coastal living at its finest in this beautifully maintained two-story, 4-bedroom, 3-bath condominium nestled within a gated Chesapeake Bay community in Virginia Beach. Enjoy breathtaking bay views from the great room, kitchen, office, and private balcony, creating the perfect backdrop for everyday living and entertaining. The open-concept floor plan is designed to maximize natural light and water views, featuring luxury vinyl plank flooring throughout the main living areas, a soaring vaulted ceiling, and a cozy gas fireplace that serves as the focal point of the great room. The spacious kitchen flows seamlessly into the living and dining areas, making gatherings effortless. Enjoy the private balcony overlooking the bay, where spectacular sunrises and refreshing coastal breezes await. Relax at the community pool or the beach and start enjoying the beach lifestyle with your flip flops and beach towel.

3232 Silver Sands Circle Unit 300, Virginia Beach

$424,900
4 Beds 2.1 Baths 10651668 MLS
This 4 bedroom, 2.5 bath home delivers space, storage, and a two car garage. The main level features an open concept layout with a generous kitchen, granite countertops, stainless steel appliances, abundant cabinetry, and plenty of room to entertain. Upstairs, you'll find four generously sized bedrooms, providing flexibility for a growing family, guests, a home office, or whatever your lifestyle requires. Built in 2013 and located in the desirable Salem/Lynnhaven area, you're minutes from shopping, dining, major interstates, and military installations. And there's more value in the low-maintenance lifestyle: the HOA costs handles exterior landscaping and includes water and trash, giving you the convenience of homeownership without the constant exterior upkeep. If you're looking for a true 4-bedroom home with a 2-car garage, nearly 2,000 square feet, and low-maintenance in Virginia Beach, this deserves a look. *Assumable at a 4.7 rate*

4321 Cattail Lane, Virginia Beach

$665,000
4 Beds 2.1 Baths 10651631 MLS
Welcome home! Beautifully maintained in highly sought after neighborhood & school district in VB. From the moment you walk in the front door, the gorgeous Brazilian cherry hardwood floors usher you into the main living space, conveniently open to the kitchen & breakfast nook. Downstairs you’ll also find the dining room, formal sitting room/flex space, & generous primary suite, complete w/ huge marble bathroom, dual fully tiled shower, soaking tub, water closet, walk-in closet, & heated floors! Relax in your 3/4 year sunroom or play in the 20k gal pool. Upstairs has new carpet, along w/ the other 3 bedrooms, hallway bath, & huge walk in attic w/ plenty of storage. Backyard is low maintenance w/ mostly stamped concrete & small patch of grass for pets or starting a small garden. Neighborhood has a growing social committee w/ annual events. Stumpy Lake nearby for golf, fishing, kayaking, & trails. Take a peek at recent upgrades list during your tour! Some photos were virtually staged using AI.

2600 Wildcat Lane, Virginia Beach

$665,000
4 Beds 4 Baths 10651739 MLS
Coastal Living at its Finest in Bay Villas! This stunning 2023 condo is located just a short bike ride from Chesapeake Beach & Bay. Features 2-unit townhouse style residences, offering the perfect blend of luxury, comfort, & convenience. This spacious 3-story home features 4BR, 4FB, & 2-car garage. The thoughtfully designed floor plan includes 1st floor BR or flex space w/ FB ideal for guests, home office, or recreation room. The 2nd floor showcases an open-concept living area w/a gas fireplace, dining space, & beautifully appointed Chef's kitchen featuring custom maple cabinetry w/ soft-close doors & drawers, oversized island, granite countertops, & stainless steel appliance package. The 3rd floor offers a convenient laundry area, a secondary bedroom w/ FB, & spacious primary suite designed for relaxation w/ large walk in closet and custom full bath. Two covered porches provide the perfect spaces to enjoy coastal breezes while premium features throughout include 9-ft ceiling, luxury vinyl plank, tankless water heater & outdoor shower

2330 Pleasure House Road Unit B, Virginia Beach

$410,000
3 Beds 2.1 Baths 10651565 MLS
Welcome home to one of the largest floor plans offered in these units, featuring 3 bedrooms, 2.5 baths, an attached 1-car garage and the flexibility of primary bedrooms both upstairs and downstairs! The thoughtfully opened-up kitchen creates an inviting, open-concept living space perfect for entertaining and social gatherings. A rolling island provides additional storage and prep space, while the built-in dining bench is ready to pair with your favorite table and chairs for maximum seating. The downstairs primary features a clever fold-down table perfect for a desk, vanity, crafts or other uses. Upstairs, enjoy a second primary bedroom plus an additional bedroom and a walk-in attic with convenient, easy-access storage. HVAC is only 2 years old! Enjoy low-maintenance condo living with a community pool, grounds maintenance and sewer included in the condo association.

5300 Bramcote Place, Virginia Beach

$360,000
2 Beds 2.2 Baths 10651495 MLS
Welcome to 1521 Brendle Court, a 3-bedroom townhome with 2 full and 2 half baths and 2,080 square feet across three levels in Carriage Mill. Attached one-car garage, cul-de-sac lot, fenced backyard. The entry level has a room with a fireplace, a closet, a half bath, and its own door out to the backyard, which works well as an office, guest space, or den. The second level is the living room with a gas fireplace, the dining room, an eat-in kitchen with a breakfast area, another half bath, and a door to the elevated deck with steps down to the yard. The third level holds the bedrooms, including the primary with a double-sink bath. Recent updates: heat pump replaced within the last 18 months, both full baths updated, a full new kitchen appliance package, fresh paint, and new carpet throughout. Home warranty conveys and the seller will consider closing cost assistance. The HOA is $13 a month and covers ground maintenance and the playgrounds. This one is fee simple, not a condo, so there is no project approval required for VA or FHA financing. Zoned for Tallwood High, Brandon Middle, and Fairfield Elementary. Easy access to I-64, about 21 minutes to Naval Station Norfolk and 26 to the NAS Oceana main gate, with shopping and dining nearby in Kempsville. Schedule your showing today.

1521 Brendle Court, Virginia Beach

$598,000
4 Beds 2.1 Baths 10651446 MLS
Show this one first! Welcome to this spacious 4-bedroom, 2.5-bath home in the highly sought-after Courthouse Estates community. Ideally located to Oceana and Dam Neck bases, area schools, and everyday conveniences. This home is nestled in a neighborhood known for its tree-lined streets, and scenic walking and biking paths. ** 2026 upgrades include Anderson front and rear storm doors, garbage disposal, refrigerator, wood privacy fencing in the front and back, AC unit (new condenser & booster), new furnace and a beautifully renovated primary bathroom featuring a soaking tub, custom shower, and all-new tile. ** Roof is 2018 with 30-year architectural shingles. 2021 gas water heater. Outdoor highlights include, in ground sprinkler system, and detached shed/workshop. POA covers: maintaining common area site in the community including; site improvements, entrance signage, site fencing, irrigation systems, landscape lighting, flagpole, and portions of stormwater ponds. Seller to provide clear T/M letter.

3128 Nansemond Loop, Virginia Beach

$995,000
4 Beds 3 Baths 10651137 MLS
Tucked into a convenient nearly half acre in sought after Middle Plantation, this immaculate, beautifully appointed brick home pairs resort- style living with exceptional craftsmanship. Every improvement has been thoughtfully approached using premium materials and systems. Ready to enjoy from day one, it’s the kind of home that makes every day feel like vacation. The heart of the home is a beautifully appointed gourmet kitchen with abundant cabinetry, granite countertops, center island with gas cooktop, stainless steel appliances, and sun-kissed breakfast area overlooking the back yard. The spacious family room with its gas fireplace and impressive custom wet bar creates a natural gathering space, while formal living and dining rooms offer additional room for entertaining. An expansive bonus room provides even more flexibility. The primary suite feels like a retreat of its own, with a spa inspired bath featuring dual vanities, beautiful tile work, a Jacuzzi tub, and an oversized glass-enclosed shower. Generously sized bedrooms and secondary baths carry the same sense of comfort and quality throughout the home. But step outside and discover what truly sets this home apart: Surrounded by mature trees and lush landscaping, the backyard boasts a heated salt water pool, a thousand feet of paver surround, and a refurbished deck beneath a canopy of trees. A powered custom built pool shed and multiple outdoor gathering areas make it easy to imagine summer afternoons becoming long evenings with friends. Improvements here go far beyond what you can see. Premium Anderson windows, a whole-house Generac 22KW generator, a fully encapsulated crawl space with a dehumidifier, upgraded 17 seer two zone HVAC, highly efficient Rinnai tankless hot water heater, and other substantial upgrades provide the kind of efficiency, comfort and peace of mind that buyers rarely find all in one home. A spacious two car garage and abundant storage complete this exceptional property. This is more than a beautifully renovated home — it’s a life style. Come experience it for yourself!

908 Kings Cross, Virginia Beach

$695,000
4 Beds 3 Baths 10651372 MLS
Welcome to 2600 Einstein Drive in the sought-after West Neck 55+ community of Virginia Beach! This beautifully maintained home offers an open, spacious design with gorgeous hardwood floors, soaring vaulted ceilings, and oversized windows filling the great room with natural light. The gourmet kitchen features granite countertops, tile backsplash, stainless steel appliances, abundant cabinetry, and a breakfast area that opens to the dining and living spaces—perfect for entertaining. The first-floor primary suite offers a relaxing retreat with a spa-like bath featuring a soaking tub, separate shower, and dual vanities. A flexible room off the foyer with a full bath is ideal for a home office, den, or guest space, while the second-floor loft provides additional living or hobby space. Enjoy the beautifully landscaped, fully fenced backyard, two-car garage, and extra-wide driveway. West Neck offers an exceptional lifestyle with a clubhouse, pool, walking trails, and a variety of social amenities. Conveniently located near shopping, dining, medical facilities, beaches, and all that Virginia Beach has to offer!

2600 Einstein Drive, Virginia Beach

$879,000
3 Beds 3.1 Baths 10651408 MLS
Welcome to 4409 Taylor Place, nestled in a charming 30-home community with a neighborhood lake, gazebo, dog park and beautiful sunset views. Meticulously cared for and thoughtfully upgraded, this move-in-ready home is filled with natural light and features plantation shutters throughout. The first-floor primary suite offers a spacious walk-in closet and ensuite with double sinks and an oversized walk-in shower. The open kitchen and living area showcase a dramatic two-story cathedral ceiling, granite countertops, large center island, gas fireplace and built-in bookcases. A butler's pantry with illuminated cabinetry connects the kitchen and dining area. Upstairs, the loft overlooks the living space and offers flexibility for a possible fourth bedroom and ensuite. Enjoy an epoxy-finished garage with overhead storage and professionally designed landscaping featuring decorative rock and steppingstones. A wonderful place to call home!

4409 Taylor Place, Virginia Beach

$300,000
2 Beds 2.1 Baths 10651391 MLS
Discover easy, low-maintenance living in this beautifully maintained two-story condo-style townhome. Soaring 10-foot ceilings and an open-concept design create a bright, airy feel throughout the main level, where abundant natural light fills the spacious living areas. The inviting family room features an open concept is ideal for both everyday living and entertaining. Step outside to your private, fenced patio complete with a storage shed, providing the perfect space to unwind, garden, or host friends and family. Upstairs, you'll find two generously sized primary suites, each offering a walk-in closet and a private en-suite bathroom for exceptional comfort and privacy. A versatile bonus room provides the flexibility to serve as a home office, guest room, fitness space, or hobby area. A new HVAC brings comfort for the warmer months while cozy gas fireplace offers a place to lounge in the cooler seasons.

5320 Elston Lane, Virginia Beach

$304,000
3 Beds 2 Baths 10651315 MLS
Welcome to 898 Old Clubhouse Road! Recently renovated from top to bottom, this three-bedroom, two-bath townhouse features two ensuite bedrooms—one upstairs and one downstairs—with a double-sink vanity in the upstairs bath. Updates include a brand-new HVAC system, new carpet, flooring, paint, bathroom tile, kitchen cabinets, granite countertops and light fixtures throughout. The upstairs loft offers a great hangout, recreation or flex space and could easily be converted into a fourth bedroom. A spacious driveway provides parking for three to four vehicles. Conveniently located in Virginia Beach’s Green Run area near shopping, dining, military installations and major roads. Please text the listing agent to schedule a showing.

898 Old Clubhouse Road, Virginia Beach

$1,400,000
5 Beds 4.1 Baths 10651257 MLS
Exceptional living awaits in The Reserve at Great Neck, where timeless elegance meets resort-style luxury in this beautifully appointed home. Offering 5 bedrooms and 4 baths, the thoughtfully designed floor plan provides remarkable space and privacy, with en-suite bath access for every bedroom. At the heart of the home is a true chef’s kitchen, completely remodeled with professional-grade Wolf cooking, Sub-Zero refrigeration, polished and leathered granite countertops, custom cabinetry, refrigerated bar drawers, and sophisticated finishes throughout. The kitchen flows seamlessly into the impressive family room, anchored by a newly custom-designed fireplace and mantel that creates a striking focal point. Plantation shutters, extensive hardwood flooring, surround sound, upgraded lighting, and newly replaced windows throughout—including the distinctive arched windows—further enhance the home. The expansive primary suite is a retreat of its own, featuring newly installed hardwood floors and an elegantly updated bath with new cabinetry, fixtures, and a frameless glass shower. Outside, the property transforms into a private oasis designed for both entertaining and unwinding. Mature trees and lush greenery surround the electrically heated saltwater pool, expansive stone patio, and one-of-a-kind pergola, creating an extraordinary sense of seclusion. Gather around the natural-gas fire feature on cool evenings or enjoy summer days poolside in a setting that feels worlds away. With gracious proportions, superior craftsmanship, extensive upgrades, and an unforgettable outdoor setting, this remarkable residence offers a rare opportunity to own in one of Great Neck’s most sought-after communities. Be sure to explore the 3D and video tours for a closer look at everything this distinctive property has to offer.

1576 Godfrey Lane, Virginia Beach

$449,999
3 Beds 2.1 Baths 10651173 MLS
Unlock incredible value with this home, now listed below market price! This stunning gem offers unique features that set it apart, all without the hassle of an HOA. Don't let this amazing opportunity slip away—it's a must-see! Recently refreshed, the deck has been revitalized, the exterior power-washed, and the living room and 2nd-floor primary suite beautifully painted. This delightful, meticulously maintained 3-bedroom, 2.5-bath home showcases 2 primary suites, an inviting open-concept kitchen, and a flexible loft space, all exuding warmth and a sense of comfort. With a Trane HVAC and furnace serviced every six months since 2010, a 2016 roof, a 2018 water heater, a gas range added in June 2026, modern kitchen appliances from 2020, a 2016 washer, a 2025 dryer, and a Sentricon system, this home embodies peace of mind and quality living. Book your tour now before it's too late!

2005 Damascus Court, Virginia Beach

$565,000
4 Beds 2.1 Baths 10651318 MLS
Welcome home to this impressive 3,218 sq. ft. 4-bedroom home in the desirable Brigadoon neighborhood of Virginia Beach, situated on a spacious 0.47-acre lot. Enjoy a double-car garage, fireplace with gas logs, zoned TRANE heat pump, encapsulated crawlspace with dehumidifiers, and a roof replaced in 2025. Approximately 880 sq. ft. of finished bonus/flex space with hot/cold water and drain infrastructure offers endless possibilities. Enjoy your private backyard retreat featuring a 36-ft. deck with sunken Jacuzzi and built-in speakers, 16-ft. gazebo, and heated saltwater in-ground pool with solar heating, multi-color lights, and automatic cleaner. Full pool bath with indoor/outdoor showers. Fully paid solar system helps keep energy costs low, plus a 22kW GENERAC whole-house generator. Upstairs washer/dryer convey!

1644 Macgregory Street, Virginia Beach

$749,000
5 Beds 3 Baths 10650751 MLS
Beautiful one-owner home in Hunts Pointe on the Elizabeth subdivision! Approx. 3,125 sq. ft., 5BR/3BA on a Newly surveyed 13,945-sq.-ft. (.32-acre) 6 ft white vinyl fenced lot. Dramatic 2-story family room with gas fireplace & mantel, high ceiling, plus formal living & dining rooms. Spacious kitchen features granite counter tops, maple cabinetry, stainless appliances, gas range, walk-in pantry, large island with prep sink, eat-in area & ceramic tile. True 1st-floor bedroom currently used as office. Primary suite offers Frenchdoor entry, tray ceiling, 2 walk-in closets & 2 storage rooms; bath has double sink vanity & jetted tub with ceramic tile surround. One other bedroom has a walk-in closet. Both HVAC systems replaced 8/2023. Fully owned solar-no loan/lease 2019, Andersen windows, LVT, & carpeted bedrooms. Large attic with solar fan, deck, hot tub, shed, raised garden beds & fruit trees. Ring security, kitchen appliances, washer/dryer & blinds convey. Seller-provided home warranty.

557 Hunts Pointe Drive, Virginia Beach

$410,000
4 Beds 2.1 Baths 10651218 MLS
Enjoy spacious living, low-maintenance convenience, and a great Virginia Beach location. Generous living areas and well-sized bedrooms offer plenty of flexibility, while the room over the garage provides additional space along with built-in storage. Recent updates include newer laminate flooring and a newer water heater. With the opportunity to add your own style and finishing touches, this home offers a great foundation for creating a space that feels uniquely yours. The HOA includes front yard maintenance, making everyday upkeep a little easier. Neighborhood amenities include a community pool, playgrounds, and clubhouse, offering convenient options for recreation and relaxation. Two car garage. Located near shopping, dining, major roadways, military installations, and Virginia Beach’s beaches, this home brings together space, convenience, and community amenities in one appealing package.

5565 Port Royal Drive, Virginia Beach

$2,495,000
5 Beds 4 Baths 10650308 MLS
North Alanton living at its finest! This 5-bedroom, 4-full-bath, 3,928 sq ft ranch offers a major renovation and addition, an open floor plan, and an elegant kitchen with island seating, gas range, double oven, ice maker, and extra refrigerator. Deep water setting in a protected cove just a two-minute boat ride from Broad Bay, with dock, floating dock, and boat lift currently holding a 21-foot boat. Private natural setting perfect for boating, paddle boarding, birdwatching, entertaining, or relaxing. Primary suite opens to the pool, spa/hot tub, and deck, with large walk-in closet and bath with heated tile floor, jetted tub, marble top, and two-head shower. Features include tray ceilings, built-ins, two fireplaces, surround sound/Sonos, outdoor kitchen/bar, outdoor shower, professionally landscaped yard, generator, 3-zone HVAC, washer/dryer areas up and down, storage, deep 2-car garage with workbenches, deeded rights to North Alanton boat ramp and dock, and highly sought-after schools.

1832 N Alanton Drive, Virginia Beach

Some listings may be duplicated in the search results due to the co-mingling of listings from more than one multiple listing service. Should there be different listing information between the duplicated listings; user is advised to verify the accuracy of the listing information before making any financial decisions.