Try our
Lite Plan
for only $29 a month
Free Trial
Search
Features
Pricing
Customers
Contact
Log In
FREE Trial
Home
Search
Features
Pricing
Customers
About Us
Contact
Log In
Euclid Ave 83864 ID Property Records
Residential Property Data Records on
Euclid Ave, 83864, ID
We found
50
addresses on Euclid Ave, 83864, ID.
102 S Euclid Ave
Sandpoint, ID 83864
Purchase Price
$3,904,084
Living Area
33,830 SqFt
Units
39
Baths
N/A
Year Built
1922
Property Type
General
Ownership Type
Corporate
APN
RPS39000000020A
Subdivision
Scotts Plat
School District
Lake Pend Oreille School District 84
113 S Euclid Ave
Sandpoint, ID 83864
Estimated Value
$674,000
Living Area
2,272 SqFt
Beds
3
Baths
2
Year Built
1942
Property Type
Single Family
Ownership Type
Corporate
APN
RPS024300A013AA
Subdivision
Laws Addn
School District
Lake Pend Oreille School District 84
200 S Euclid Ave
Sandpoint, ID 83864
Estimated Value
$770,000
Living Area
2,294 SqFt
Beds
4
Baths
3
Year Built
1930
Property Type
Single Family
Ownership Type
Individual
APN
RPS024400G0010A
Subdivision
Laws 2nd Addn
School District
Lake Pend Oreille School District 84
212 S Euclid Ave
Sandpoint, ID 83864
Estimated Value
$572,000
Living Area
1,049 SqFt
Beds
2
Baths
1
Year Built
1950
Property Type
Single Family
Ownership Type
Corporate
APN
RPS024400G023BA
Subdivision
Cpwrs
School District
Lake Pend Oreille School District 84
213 S Euclid Ave
Sandpoint, ID 83864
Estimated Value
$658,000
Living Area
1,453 SqFt
Beds
3
Baths
1
Year Built
1925
Property Type
Single Family
Ownership Type
Trust
APN
RPS024300H0130A
Subdivision
Laws Addn
School District
Lake Pend Oreille School District 84
214 S Euclid Ave
Sandpoint, ID 83864
Estimated Value
$583,000
Living Area
1,532 SqFt
Beds
2
Baths
2
Year Built
1929
Property Type
Single Family
Ownership Type
Individual
APN
RPS024400G023CA
Subdivision
Laws 2nd Addn
School District
Lake Pend Oreille School District 84
301 S Euclid Ave
Sandpoint, ID 83864
Estimated Value
$447,000
Living Area
906 SqFt
Beds
2
Baths
1
Year Built
1900
Property Type
Single Family
Ownership Type
Related
APN
RPS024400P0220A
Subdivision
Laws 2nd Addn
School District
Lake Pend Oreille School District 84
302 S Euclid Ave
Sandpoint, ID 83864
Estimated Value
$790,000
Living Area
1,833 SqFt
Beds
5
Baths
2
Year Built
1930
Property Type
Single Family
Ownership Type
Individual
APN
RPS024400J0010A
Subdivision
Laws 2nd Addn
School District
Lake Pend Oreille School District 84
306 S Euclid Ave
Sandpoint, ID 83864
Estimated Value
$570,000
Living Area
1,994 SqFt
Beds
4
Baths
2
Year Built
1925
Property Type
Single Family
Ownership Type
Corporate
APN
RPS024400J0020A
Subdivision
Laws 2nd Addn
School District
Lake Pend Oreille School District 84
307 S Euclid Ave
Sandpoint, ID 83864
Estimated Value
$524,000
Living Area
809 SqFt
Beds
2
Baths
1
Year Built
1925
Property Type
Single Family
Ownership Type
Individual
APN
RPS024400P0210A
Subdivision
Laws 2nd Addn
School District
Lake Pend Oreille School District 84
310 S Euclid Ave
Sandpoint, ID 83864
Estimated Value
$610,000
Living Area
1,607 SqFt
Beds
3
Baths
1
Year Built
1910
Property Type
Single Family
Ownership Type
Individual
APN
RPS024400J0030A
Subdivision
Laws 2nd Addn
School District
Lake Pend Oreille School District 84
311 S Euclid Ave
Sandpoint, ID 83864
Estimated Value
$485,000
Living Area
1,080 SqFt
Beds
3
Baths
1
Year Built
1948
Property Type
Single Family
Ownership Type
Trust
APN
RPS024400P0200A
Subdivision
Laws 2nd Addn
School District
Lake Pend Oreille School District 84
313 S Euclid Ave
Sandpoint, ID 83864
Estimated Value
$889,000
Living Area
2,142 SqFt
Beds
3
Baths
3
Year Built
1950
Property Type
Single Family
Ownership Type
Individual
APN
RPS024400P0190A
Subdivision
Laws 2nd Addn
School District
Lake Pend Oreille School District 84
314 S Euclid Ave
Sandpoint, ID 83864
Estimated Value
$527,000
Living Area
1,224 SqFt
Beds
3
Baths
1
Year Built
1915
Property Type
Single Family
Ownership Type
Individual
APN
RPS024400J0040A
Subdivision
Laws 2nd Addn
School District
Lake Pend Oreille School District 84
315 S Euclid Ave
Sandpoint, ID 83864
Estimated Value
$514,000
Living Area
1,152 SqFt
Beds
2
Baths
1
Year Built
1910
Property Type
Single Family
Ownership Type
Multiple
APN
RPS024400P0180A
Subdivision
Cpwrs
School District
Lake Pend Oreille School District 84
316 S Euclid Ave
Sandpoint, ID 83864
Estimated Value
$592,000
Living Area
1,582 SqFt
Beds
3
Baths
2
Year Built
1951
Property Type
Single Family
Ownership Type
Related
APN
RPS024400J0050A
Subdivision
Laws 2nd Addn
School District
Lake Pend Oreille School District 84
321 S Euclid Ave
Sandpoint, ID 83864
Estimated Value
$577,000
Living Area
1,572 SqFt
Beds
3
Baths
1
Year Built
1905
Property Type
Single Family
Ownership Type
Related
APN
RPS024400P0170A
Subdivision
Cpwrs
School District
Lake Pend Oreille School District 84
322 S Euclid Ave
Sandpoint, ID 83864
Estimated Value
$518,000
Living Area
1,672 SqFt
Beds
3
Baths
1
Year Built
1931
Property Type
Single Family
Ownership Type
Multiple
APN
RPS024400O0010A
Subdivision
Laws 2nd Addn
School District
Lake Pend Oreille School District 84
323 S Euclid Ave
Sandpoint, ID 83864
Estimated Value
$580,000
Living Area
1,585 SqFt
Beds
3
Baths
2
Year Built
1907
Property Type
Single Family
Ownership Type
Individual
APN
RPS024400P016AA
Subdivision
Laws 2nd Addn
School District
Lake Pend Oreille School District 84
324 S Euclid Ave
Sandpoint, ID 83864
Estimated Value
$608,000
Living Area
1,825 SqFt
Beds
3
Baths
2
Year Built
1920
Property Type
Single Family
Ownership Type
Individual
APN
RPS024400O0020A
Subdivision
Laws 2nd Addn
School District
Lake Pend Oreille School District 84
325 S Euclid Ave
Sandpoint, ID 83864
Estimated Value
$879,000
Living Area
1,454 SqFt
Beds
3
Baths
2
Year Built
1908
Property Type
Single Family
Ownership Type
Trust
APN
RPS024400P014AA
Subdivision
Laws 2nd Addn
School District
Lake Pend Oreille School District 84
326 S Euclid Ave
Sandpoint, ID 83864
Estimated Value
$574,000
Living Area
1,438 SqFt
Beds
3
Baths
1
Year Built
1930
Property Type
Single Family
Ownership Type
Trust
APN
RPS024400O0030A
Subdivision
Laws 2nd Addn
School District
Lake Pend Oreille School District 84
329 S Euclid Ave
Sandpoint, ID 83864
Estimated Value
$766,000
Living Area
3,136 SqFt
Beds
3
Baths
2
Year Built
1925
Property Type
Single Family
Ownership Type
Trust
APN
RPS024400P013AA
Subdivision
Laws 2nd Addn
School District
Lake Pend Oreille School District 84
330 S Euclid Ave
Sandpoint, ID 83864
Estimated Value
$523,000
Living Area
1,158 SqFt
Beds
3
Baths
1
Year Built
1917
Property Type
Single Family
Ownership Type
Related
APN
RPS024400O0040A
Subdivision
Laws 2nd Addn
School District
Lake Pend Oreille School District 84
332 S Euclid Ave
Sandpoint, ID 83864
Estimated Value
$552,000
Living Area
1,176 SqFt
Beds
2
Baths
2
Year Built
1927
Property Type
Single Family
Ownership Type
Related
APN
RPS024400O0050A
Subdivision
Laws 2nd Addn
School District
Lake Pend Oreille School District 84
333 S Euclid Ave
Sandpoint, ID 83864
Estimated Value
$543,000
Living Area
1,296 SqFt
Beds
2
Baths
1
Year Built
1915
Property Type
Single Family
Ownership Type
Individual
APN
RPS024400P0120A
Subdivision
Laws 2nd Addn
School District
Lake Pend Oreille School District 84
334 S Euclid Ave
Sandpoint, ID 83864
Estimated Value
$570,000
Living Area
1,290 SqFt
Beds
2
Baths
2
Year Built
1927
Property Type
Single Family
Ownership Type
Individual
APN
RPS024400O0060A
Subdivision
Laws 2nd Addn
School District
Lake Pend Oreille School District 84
401 S Euclid Ave
Sandpoint, ID 83864
Estimated Value
$627,000
Living Area
1,312 SqFt
Beds
2
Baths
1
Year Built
1930
Property Type
Single Family
Ownership Type
Individual
APN
RPS0331000015AA
Subdivision
Peterson'S Add
School District
Lake Pend Oreille School District 84
402 S Euclid Ave
Sandpoint, ID 83864
Estimated Value
$851,000
Living Area
2,690 SqFt
Beds
2
Baths
3
Year Built
1950
Property Type
Single Family
Ownership Type
Related
APN
RPS0506001001AA
Subdivision
Wheelans Add
School District
Lake Pend Oreille School District 84
410 S Euclid Ave
Sandpoint, ID 83864
Estimated Value
$647,000
Living Area
2,448 SqFt
Beds
2
Baths
2
Year Built
1950
Property Type
Single Family
Ownership Type
Related
APN
RPS0506001002AA
Subdivision
Cpwrs
School District
Lake Pend Oreille School District 84
414 S Euclid Ave
Sandpoint, ID 83864
Estimated Value
$720,000
Living Area
1,680 SqFt
Beds
4
Baths
2
Year Built
1949
Property Type
Single Family
Ownership Type
Related
APN
RPS0506001004AA
Subdivision
Cpwrs
School District
Lake Pend Oreille School District 84
418 S Euclid Ave
Sandpoint, ID 83864
Estimated Value
$561,000
Living Area
1,973 SqFt
Beds
3
Baths
2
Year Built
1951
Property Type
Single Family
Ownership Type
Related
APN
RPS0506001005AA
Subdivision
Cpwrs
School District
Lake Pend Oreille School District 84
419 S Euclid Ave
Sandpoint, ID 83864
Estimated Value
$872,000
Living Area
2,282 SqFt
Beds
4
Baths
2
Year Built
1925
Property Type
Single Family
Ownership Type
Individual
APN
RPS0331000017AA
Subdivision
Petersons Add
School District
Lake Pend Oreille School District 84
420 S Euclid Ave
Sandpoint, ID 83864
Estimated Value
$540,000
Living Area
1,048 SqFt
Beds
2
Baths
1
Year Built
1925
Property Type
Single Family
Ownership Type
Corporate
APN
RPS0228003001AA
Subdivision
Lake Park Addn
School District
Lake Pend Oreille School District 84
422 S Euclid Ave
Sandpoint, ID 83864
Estimated Value
$687,000
Living Area
1,754 SqFt
Beds
3
Baths
2
Year Built
1934
Property Type
Single Family
Ownership Type
Individual
APN
RPS0228003002AA
Subdivision
Lake Park Addn
School District
Lake Pend Oreille School District 84
423 S Euclid Ave
Sandpoint, ID 83864
Estimated Value
$792,000
Living Area
1,683 SqFt
Beds
2
Baths
2
Year Built
1919
Property Type
Single Family
Ownership Type
Related
APN
RPS0228002021AA
Subdivision
Cpwrs
School District
Lake Pend Oreille School District 84
427 S Euclid Ave
Sandpoint, ID 83864
Estimated Value
$689,000
Living Area
1,968 SqFt
Beds
4
Baths
2
Year Built
1910
Property Type
Single Family
Ownership Type
Individual
APN
RPS0228002020AA
Subdivision
Lake Park Addn
School District
Lake Pend Oreille School District 84
428 S Euclid Ave
Sandpoint, ID 83864
Estimated Value
$1,194,000
Living Area
3,360 SqFt
Beds
4
Baths
3
Year Built
1912
Property Type
Single Family
Ownership Type
Related
APN
RPS0228003003AA
Subdivision
Cpwrs
School District
Lake Pend Oreille School District 84
431 S Euclid Ave
Sandpoint, ID 83864
Estimated Value
$518,000
Living Area
988 SqFt
Beds
2
Baths
1
Year Built
1920
Property Type
Single Family
Ownership Type
Trust
APN
RPS02280020190A
Subdivision
Lake Park Addn
School District
Lake Pend Oreille School District 84
436 S Euclid Ave
Sandpoint, ID 83864
Estimated Value
$868,000
Living Area
1,860 SqFt
Beds
3
Baths
2
Year Built
1910
Property Type
Single Family
Ownership Type
Related
APN
RPS0228003005AA
Subdivision
Cpwrs
School District
Lake Pend Oreille School District 84
439 S Euclid Ave
Sandpoint, ID 83864
Estimated Value
$944,000
Living Area
2,050 SqFt
Beds
4
Baths
3
Year Built
1910
Property Type
Single Family
Ownership Type
Related
APN
RPS0228002017BA
Subdivision
Lake Park Addn
School District
Lake Pend Oreille School District 84
501 S Euclid Ave
Sandpoint, ID 83864
Estimated Value
$671,000
Living Area
1,328 SqFt
Beds
3
Baths
3
Year Built
1910
Property Type
Single Family
Ownership Type
Trust
APN
RPS02280020160A
Subdivision
Lake Park Addn
School District
Lake Pend Oreille School District 84
502 S Euclid Ave
Sandpoint, ID 83864
Estimated Value
$1,231,000
Living Area
3,511 SqFt
Beds
4
Baths
3
Year Built
1906
Property Type
Single Family
Ownership Type
Related
APN
RPS02280060010A
Subdivision
Cpwrs
School District
Lake Pend Oreille School District 84
504 S Euclid Ave
Sandpoint, ID 83864
Estimated Value
$1,073,000
Living Area
3,110 SqFt
Beds
4
Baths
2
Year Built
1900
Property Type
Single Family
Ownership Type
Related
APN
RPS0228006002AA
Subdivision
Lake Park Addn
School District
Lake Pend Oreille School District 84
505 S Euclid Ave
Sandpoint, ID 83864
Estimated Value
$746,000
Living Area
2,232 SqFt
Beds
4
Baths
3
Year Built
1915
Property Type
Single Family
Ownership Type
Individual
APN
RPS02280020150A
Subdivision
Lake Park Addn
School District
Lake Pend Oreille School District 84
509 S Euclid Ave
Sandpoint, ID 83864
Estimated Value
$905,000
Living Area
2,273 SqFt
Beds
4
Baths
3
Year Built
1910
Property Type
Single Family
Ownership Type
Multiple
APN
RPS0228002013AA
Subdivision
Lake Park Addn
School District
Lake Pend Oreille School District 84
513 S Euclid Ave
Sandpoint, ID 83864
Estimated Value
$903,000
Living Area
2,840 SqFt
Beds
6
Baths
4
Year Built
1904
Property Type
Single Family
Ownership Type
Trust
APN
RPS0228002012AA
Subdivision
Lake Park Addn
School District
Lake Pend Oreille School District 84
514 S Euclid Ave
Sandpoint, ID 83864
Estimated Value
$795,000
Living Area
1,956 SqFt
Beds
4
Baths
2
Year Built
1910
Property Type
Single Family
Ownership Type
Trust
APN
RPS0228006003AA
Subdivision
Lake Park Addn
School District
Lake Pend Oreille School District 84
601 S Euclid Ave
Sandpoint, ID 83864
Assessed Value
$3,294,088
Living Area
4,453 SqFt
Beds
4
Baths
3
Year Built
1908
Property Type
Single Family
Ownership Type
Related
APN
RPS0228008001CA
Subdivision
Lake Park Addn
School District
Lake Pend Oreille School District 84
Euclid Ave
Sandpoint, ID 83864
Purchase Price
$3,904,084
Lot SqFt.
11,935
Beds
N/A
Baths
N/A
Year Built
N/A
Property Type
Commercial Vacant Land
Ownership Type
Corporate
APN
RPS39000000030A
Subdivision
Lake Street Business Park
School District
Lake Pend Oreille School District 84
7 Day FREE Trial Gives You Complete Data Access
Property Lookup
Retrieve an in-depth view of a property’s characteristics and situational data.
Owner Lookup
Lookup by name or number to view all properties historically linked to an individual.
Property Search
Search for a list of properties based on location and 130+ criteria filters.
Owner Contact Information
Access phone numbers and email addresses associated with property owners, relatives and associates.
Property Comps
Pull a list of property comparables using multi-sourced data and stackable filters.
Market Trends
View a variety of up-to-date market trends and statistics by location.
Get Started Today
Investment Properties near on
Euclid Ave, 83864, ID
517 S Lincoln Ave
Sandpoint, ID 83864
Estimated Value
$721,000
Living Area
2,504 SqFt
Beds
3
Baths
2
Year Built
1997
Property Type
Single Family
Ownership Type
Trust
APN
RPS36230010050A
Subdivision
Creekside
School District
Lake Pend Oreille School District 84
111 Hawkins Rd
Sagle, ID 83860
Estimated Value
$941,000
Living Area
3,946 SqFt
Beds
3
Baths
2
Year Built
1987
Property Type
Single Family
Ownership Type
Related
APN
RP56N02W030050A
Municipality
LAND PEND OREILLE SD 84
School District
Lake Pend Oreille School District 84
228 Jasper Loop
Ponderay, ID 83852
Estimated Value
$589,000
Living Area
2,320 SqFt
Beds
3
Baths
5
Year Built
2021
Property Type
Single Family
Ownership Type
Trust
APN
RPP39140020170A
Subdivision
Retreat At Bay Trail
School District
Lake Pend Oreille School District 84
80 W Hill Dr
Sagle, ID 83860
Estimated Value
$1,571,000
Living Area
3,570 SqFt
Beds
3
Baths
3
Year Built
1996
Property Type
Single Family
Ownership Type
Multiple
APN
RP002800000080A
Subdivision
Mountain Pine
School District
Lake Pend Oreille School District 84
2419 N Boyer Ave
Sandpoint, ID 83864
Estimated Value
$536,000
Living Area
1,739 SqFt
Beds
3
Baths
2
Year Built
1984
Property Type
Single Family
Ownership Type
Related
APN
RPS00000106685A
Subdivision
Cpwrs
School District
Lake Pend Oreille School District 84
1210 W Superior St
Sandpoint, ID 83864
Estimated Value
$539,000
Living Area
1,452 SqFt
Beds
3
Baths
2
Year Built
1947
Property Type
Single Family
Ownership Type
Related
APN
RPS0196009009AA
Subdivision
International Addn
School District
Lake Pend Oreille School District 84
1513 Autumn Ln
Sandpoint, ID 83864
Estimated Value
$607,000
Living Area
1,522 SqFt
Beds
3
Baths
2
Year Built
2008
Property Type
Single Family
Ownership Type
Multiple
APN
RPS38080020080A
Subdivision
Maplewood Village
School District
Lake Pend Oreille School District 84
1601 Larch St
Sandpoint, ID 83864
Estimated Value
$433,000
Living Area
1,056 SqFt
Beds
3
Baths
1
Year Built
1976
Property Type
Single Family
Ownership Type
Individual
APN
RPS0562002004TA
Subdivision
Ohadi Acres
School District
Lake Pend Oreille School District 84
1613 Mosshart St
Sandpoint, ID 83864
Estimated Value
$531,000
Living Area
1,620 SqFt
Beds
3
Baths
2
Year Built
2020
Property Type
Single Family
Ownership Type
Multiple
APN
RPS38900020040A
Subdivision
Cpwrs
School District
Lake Pend Oreille School District 84
1208 Forsythia Ave
Sandpoint, ID 83864
Estimated Value
$602,000
Living Area
1,876 SqFt
Beds
3
Baths
3
Year Built
2006
Property Type
Single Family
Ownership Type
Individual
APN
RPS37470040070A
Subdivision
Ponderosa Park
School District
Lake Pend Oreille School District 84
506 E Mountain View Dr
Sandpoint, ID 83864
Estimated Value
$440,000
Living Area
1,312 SqFt
Beds
3
Baths
1
Year Built
1920
Property Type
Rural Residence
Ownership Type
Related
APN
RPS00000108501A
Subdivision
Boise Meridian Township 57 Sec
School District
Lake Pend Oreille School District 84
201 Jasper Loop
Ponderay, ID 83852
Estimated Value
$676,000
Living Area
3,650 SqFt
Beds
4
Baths
3
Year Built
1974
Property Type
Single Family
Ownership Type
Related
APN
RPP38120000010A
Subdivision
Lutzke Subdv
School District
Lake Pend Oreille School District 84
929 W Lake St
Sandpoint, ID 83864
Estimated Value
$558,000
Living Area
1,620 SqFt
Beds
2
Baths
1
Year Built
1957
Property Type
Single Family
Ownership Type
Multiple
APN
RPS024500E008BA
Subdivision
Laws 3rd Addn
School District
Lake Pend Oreille School District 84
23 Cedarwood Ln
Sagle, ID 83860
Estimated Value
$1,252,000
Living Area
2,090 SqFt
Beds
3
Baths
2
Year Built
1983
Property Type
Single Family
Ownership Type
Individual
APN
RP002800000190A
Subdivision
Mtn Pine Shores
School District
Lake Pend Oreille School District 84
1217 Kinnikinnik Ave
Sandpoint, ID 83864
Estimated Value
$476,000
Living Area
1,528 SqFt
Beds
1
Baths
1
Year Built
1995
Property Type
Single Family
Ownership Type
Individual
APN
RPS36160040240A
Subdivision
Ponderosa Park
School District
Lake Pend Oreille School District 84
921 Main St
Sandpoint, ID 83864
Estimated Value
$861,000
Living Area
1,685 SqFt
Beds
3
Baths
2
Year Built
2020
Property Type
Single Family
Ownership Type
Multiple
APN
RPS050001401A0A
Subdivision
West End Addn
School District
Lake Pend Oreille School District 84
Streets Near
Euclid Ave, 83864, ID
Street
Properties
Avg. Beds
Avg. Baths
Avg. Property Value
Avg. Property Size
Last Sale Date
1st Ave
100
3
2
$759,684
3,354 Sq.Ft.
1/21/2025
Boyer Ave
173
3
2
$567,853
1,762 Sq.Ft.
4/21/2025
Cedar St
127
3
2
$498,102
2,374 Sq.Ft.
4/2/2025
Church St
105
3
2
$522,015
3,218 Sq.Ft.
2/3/2025
Ella Ave
108
3
2
$516,745
2,129 Sq.Ft.
2/18/2025
Iberian Way
104
2
2
$589,740
875 Sq.Ft.
3/20/2025
Lake St
100
3
2
$549,719
1,893 Sq.Ft.
8/21/2024
Main St
101
3
2
$467,539
1,673 Sq.Ft.
12/4/2024
Pine St
220
3
2
$626,663
2,027 Sq.Ft.
4/8/2025
Sandpoint Ave
106
3
2
$1,384,354
2,055 Sq.Ft.
3/19/2025
Additional Questions?
Looking for off-market properties in 83864, ID?
Traditional methods include networking with contractors, scouting neighborhoods ("driving for dollars"), or purchasing leads from wholesalers can be tedious. PropertyReach streamlines this process with predictive analytics and neighborhood benchmarks, using 83864, ID property records and MLS failed listings to refine your search. Effortlessly compare properties, access owner contact details, and secure the best off-market deals at the right price.
What is the median home value in 83864, ID?
The median home value in 83864, ID is $647,000, with an average home value of $781,185. The average price per square foot for homes in the area is $372.38.
How Can I Find Pre-foreclosures or Distressed Properties in 83864, ID?
Foreclosures and distressed properties in 83864, ID can be found through public records, foreclosure notices, and auction announcements from the county clerk or sheriff’s office. PropertyReach streamlines this by aggregating public and MLS data, making it easier to identify distressed properties and connect with owners directly.
Try PropertyReach for FREE