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Emerald Point Dr 28278 NC Property Records
Residential Property Data Records on
Emerald Point Dr, 28278, NC
We found
71
addresses on Emerald Point Dr, 28278, NC.
9701 Emerald Point Dr #1
Charlotte, NC 28278
Estimated Value
$424,000
Estimated Equity
$424,000
Beds
2
Baths
1.5
Living Area
1,472 SqFt
Year Built
1989
Last Sale Date
7/8/2002
Purchase Price
$165,000
9701 Emerald Point Dr #2
Charlotte, NC 28278
Estimated Value
$422,000
Estimated Equity
$295,015
Beds
2
Baths
1.5
Living Area
1,472 SqFt
Year Built
1989
Last Sale Date
6/30/2009
Purchase Price
$267,500
9701 Emerald Point Dr #3
Charlotte, NC 28278
Estimated Value
$424,000
Estimated Equity
$424,000
Beds
2
Baths
1.5
Living Area
1,472 SqFt
Year Built
1989
Last Sale Date
4/29/1998
Purchase Price
$130,000
9701 Emerald Point Dr #4
Charlotte, NC 28278
Estimated Value
$433,000
Estimated Equity
$322,669
Beds
2
Baths
2
Living Area
1,472 SqFt
Year Built
1989
Last Sale Date
9/21/2017
Purchase Price
$230,000
9701 Emerald Point Dr #5
Charlotte, NC 28278
Estimated Value
$455,000
Estimated Equity
N/A
Beds
2
Baths
2.5
Living Area
1,472 SqFt
Year Built
1989
Last Sale Date
9/14/2023
Purchase Price
$415,000
9701 Emerald Point Dr #6
Charlotte, NC 28278
Estimated Value
$429,000
Estimated Equity
$203,742
Beds
3
Baths
2.5
Living Area
1,472 SqFt
Year Built
1989
Last Sale Date
9/22/2021
Purchase Price
$287,000
9709 Emerald Point Dr #1
Charlotte, NC 28278
Estimated Value
$474,000
Estimated Equity
$194,031
Beds
2
Baths
2
Living Area
1,981 SqFt
Year Built
1990
Last Sale Date
9/15/2016
Purchase Price
$235,000
9709 Emerald Point Dr #10
Charlotte, NC 28278
Estimated Value
$428,000
Estimated Equity
$151,000
Beds
2
Baths
2
Living Area
1,092 SqFt
Year Built
1990
Last Sale Date
10/15/2021
Purchase Price
$315,000
9709 Emerald Point Dr #11
Charlotte, NC 28278
Estimated Value
$427,000
Estimated Equity
$427,000
Beds
2
Baths
2
Living Area
1,092 SqFt
Year Built
1990
Last Sale Date
4/21/2023
Purchase Price
$405,000
9709 Emerald Point Dr #12
Charlotte, NC 28278
Estimated Value
$436,000
Estimated Equity
$436,000
Beds
2
Baths
2
Living Area
1,330 SqFt
Year Built
1990
Last Sale Date
10/23/2024
Purchase Price
$440,000
9709 Emerald Point Dr #2
Charlotte, NC 28278
Estimated Value
$500,000
Estimated Equity
$297,372
Beds
2
Baths
2
Living Area
1,627 SqFt
Year Built
1990
Last Sale Date
4/25/2016
Purchase Price
$217,500
9709 Emerald Point Dr #3
Charlotte, NC 28278
Estimated Value
$500,000
Estimated Equity
$500,000
Beds
3
Baths
3
Living Area
1,627 SqFt
Year Built
1990
Last Sale Date
8/19/2015
Purchase Price
$235,000
9709 Emerald Point Dr #5
Charlotte, NC 28278
Estimated Value
$423,000
Estimated Equity
$423,000
Beds
2
Baths
2
Living Area
1,330 SqFt
Year Built
1990
Last Sale Date
6/29/2022
Purchase Price
$385,000
9709 Emerald Point Dr #7
Charlotte, NC 28278
Estimated Value
$411,000
Estimated Equity
$235,876
Beds
2
Baths
2
Living Area
1,092 SqFt
Year Built
1990
Last Sale Date
5/11/2017
Purchase Price
$225,000
9709 Emerald Point Dr #8
Charlotte, NC 28278
Estimated Value
$428,000
Estimated Equity
$276,350
Beds
2
Baths
2
Living Area
1,330 SqFt
Year Built
1990
Last Sale Date
11/20/2019
Purchase Price
$270,000
9709 Emerald Point Dr #9
Charlotte, NC 28278
Estimated Value
$433,000
Estimated Equity
$319,932
Beds
2
Baths
2
Living Area
1,330 SqFt
Year Built
1990
Last Sale Date
7/12/2013
Purchase Price
$172,000
9710 Emerald Point Dr
Charlotte, NC 28278
Estimated Value
N/A
Estimated Equity
N/A
Beds
N/A
Baths
N/A
Living Area
N/A
Year Built
N/A
Last Sale Date
5/25/1990
Purchase Price
N/A
9717 Emerald Point Dr #1
Charlotte, NC 28278
Estimated Value
$424,000
Estimated Equity
$216,753
Beds
2
Baths
2
Living Area
1,325 SqFt
Year Built
1991
Last Sale Date
5/3/2019
Purchase Price
$275,000
9717 Emerald Point Dr #2
Charlotte, NC 28278
Estimated Value
$429,000
Estimated Equity
$240,893
Beds
2
Baths
2
Living Area
1,325 SqFt
Year Built
1991
Last Sale Date
3/30/2023
Purchase Price
$192,500
9717 Emerald Point Dr #3
Charlotte, NC 28278
Estimated Value
$403,000
Estimated Equity
$80,754
Beds
2
Baths
2
Living Area
1,330 SqFt
Year Built
1991
Last Sale Date
4/27/2017
Purchase Price
$170,000
9800 Emerald Point Dr
Charlotte, NC 28278
Estimated Value
N/A
Estimated Equity
N/A
Beds
N/A
Baths
N/A
Living Area
N/A
Year Built
N/A
Last Sale Date
6/5/1996
Purchase Price
N/A
9801 Emerald Point Dr #1
Charlotte, NC 28278
Estimated Value
$440,000
Estimated Equity
$440,000
Beds
2
Baths
2
Living Area
1,325 SqFt
Year Built
1986
Last Sale Date
N/A
Purchase Price
N/A
9801 Emerald Point Dr #10
Charlotte, NC 28278
Estimated Value
$433,000
Estimated Equity
$148,872
Beds
2
Baths
2
Living Area
1,330 SqFt
Year Built
1986
Last Sale Date
2/19/2001
Purchase Price
N/A
9801 Emerald Point Dr #12
Charlotte, NC 28278
Estimated Value
$423,000
Estimated Equity
$423,000
Beds
2
Baths
2
Living Area
1,092 SqFt
Year Built
1986
Last Sale Date
4/24/2014
Purchase Price
$168,000
9801 Emerald Point Dr #13
Charlotte, NC 28278
Estimated Value
$427,000
Estimated Equity
$427,000
Beds
2
Baths
2
Living Area
1,092 SqFt
Year Built
1986
Last Sale Date
5/13/1999
Purchase Price
$122,500
9801 Emerald Point Dr #14
Charlotte, NC 28278
Estimated Value
$408,000
Estimated Equity
$408,000
Beds
2
Baths
2
Living Area
1,092 SqFt
Year Built
1986
Last Sale Date
6/19/2020
Purchase Price
$213,500
9801 Emerald Point Dr #15
Charlotte, NC 28278
Estimated Value
$428,000
Estimated Equity
$365,503
Beds
2
Baths
2
Living Area
1,330 SqFt
Year Built
1986
Last Sale Date
6/21/2021
Purchase Price
$293,000
9801 Emerald Point Dr #3
Charlotte, NC 28278
Estimated Value
$426,000
Estimated Equity
$426,000
Beds
2
Baths
2
Living Area
1,087 SqFt
Year Built
1986
Last Sale Date
7/12/2023
Purchase Price
$400,000
9801 Emerald Point Dr #4
Charlotte, NC 28278
Estimated Value
$425,000
Estimated Equity
$425,000
Beds
2
Baths
2
Living Area
1,087 SqFt
Year Built
1986
Last Sale Date
1/17/2023
Purchase Price
$325,000
9801 Emerald Point Dr #6
Charlotte, NC 28278
Estimated Value
$443,000
Estimated Equity
$191,198
Beds
2
Baths
2
Living Area
1,330 SqFt
Year Built
1986
Last Sale Date
12/9/2016
Purchase Price
$215,000
9801 Emerald Point Dr #7
Charlotte, NC 28278
Estimated Value
$427,000
Estimated Equity
$199,608
Beds
2
Baths
2
Living Area
1,092 SqFt
Year Built
1986
Last Sale Date
7/30/2021
Purchase Price
$308,500
9801 Emerald Point Dr #8
Charlotte, NC 28278
Estimated Value
$426,000
Estimated Equity
$141,511
Beds
2
Baths
2
Living Area
1,092 SqFt
Year Built
1986
Last Sale Date
1/11/2022
Purchase Price
$320,000
9808 Emerald Point Dr #1
Charlotte, NC 28278
Estimated Value
$575,000
Estimated Equity
$433,006
Beds
3
Baths
3
Living Area
1,981 SqFt
Year Built
1988
Last Sale Date
7/13/2016
Purchase Price
$266,000
9808 Emerald Point Dr #10
Charlotte, NC 28278
Estimated Value
$416,000
Estimated Equity
$416,000
Beds
2
Baths
2
Living Area
1,092 SqFt
Year Built
1988
Last Sale Date
5/27/2021
Purchase Price
$252,000
9808 Emerald Point Dr #12
Charlotte, NC 28278
Estimated Value
$411,000
Estimated Equity
$411,000
Beds
2
Baths
2
Living Area
1,330 SqFt
Year Built
1988
Last Sale Date
7/30/2018
Purchase Price
$180,000
9808 Emerald Point Dr #3
Charlotte, NC 28278
Estimated Value
$606,000
Estimated Equity
$485,106
Beds
3
Baths
3
Living Area
1,627 SqFt
Year Built
1988
Last Sale Date
10/23/2017
Purchase Price
$308,000
9808 Emerald Point Dr #4
Charlotte, NC 28278
Estimated Value
$437,000
Estimated Equity
$437,000
Beds
3
Baths
3
Living Area
1,981 SqFt
Year Built
1988
Last Sale Date
4/8/2014
Purchase Price
$167,000
9808 Emerald Point Dr #6
Charlotte, NC 28278
Estimated Value
$426,000
Estimated Equity
$282,065
Beds
2
Baths
2
Living Area
1,092 SqFt
Year Built
1988
Last Sale Date
8/31/2015
Purchase Price
$186,000
9808 Emerald Point Dr #7
Charlotte, NC 28278
Estimated Value
$424,000
Estimated Equity
$194,944
Beds
2
Baths
2
Living Area
1,092 SqFt
Year Built
1988
Last Sale Date
12/16/2021
Purchase Price
$307,000
9808 Emerald Point Dr #8
Charlotte, NC 28278
Estimated Value
$438,000
Estimated Equity
$239,702
Beds
2
Baths
2
Living Area
1,330 SqFt
Year Built
1988
Last Sale Date
4/8/2024
Purchase Price
$437,000
9808 Emerald Point Dr #9
Charlotte, NC 28278
Estimated Value
$434,000
Estimated Equity
$434,000
Beds
2
Baths
2
Living Area
1,330 SqFt
Year Built
1988
Last Sale Date
5/20/2014
Purchase Price
$177,500
9809 Emerald Point Dr #1
Charlotte, NC 28278
Estimated Value
$396,000
Estimated Equity
$203,275
Beds
2
Baths
2
Living Area
1,119 SqFt
Year Built
1985
Last Sale Date
11/4/2019
Purchase Price
$185,000
9809 Emerald Point Dr #10
Charlotte, NC 28278
Estimated Value
$447,000
Estimated Equity
$173,524
Beds
2
Baths
2
Living Area
1,092 SqFt
Year Built
1985
Last Sale Date
4/28/2022
Purchase Price
$360,000
9809 Emerald Point Dr #12
Charlotte, NC 28278
Estimated Value
$455,000
Estimated Equity
$455,000
Beds
2
Baths
2
Living Area
1,330 SqFt
Year Built
1985
Last Sale Date
10/3/2023
Purchase Price
$455,000
9809 Emerald Point Dr #2
Charlotte, NC 28278
Estimated Value
$434,000
Estimated Equity
$381,355
Beds
2
Baths
2
Living Area
1,087 SqFt
Year Built
1985
Last Sale Date
6/23/2004
Purchase Price
$121,000
9809 Emerald Point Dr #3
Charlotte, NC 28278
Estimated Value
$421,000
Estimated Equity
$327,802
Beds
2
Baths
2
Living Area
1,087 SqFt
Year Built
1985
Last Sale Date
5/5/2016
Purchase Price
$153,000
9809 Emerald Point Dr #4
Charlotte, NC 28278
Estimated Value
$478,000
Estimated Equity
$191,884
Beds
3
Baths
2
Living Area
1,981 SqFt
Year Built
1985
Last Sale Date
10/6/2021
Purchase Price
$413,000
9809 Emerald Point Dr #5
Charlotte, NC 28278
Estimated Value
$418,000
Estimated Equity
$205,235
Beds
2
Baths
2
Living Area
1,124 SqFt
Year Built
1985
Last Sale Date
4/21/2021
Purchase Price
$290,000
9809 Emerald Point Dr #6
Charlotte, NC 28278
Estimated Value
$429,000
Estimated Equity
$337,485
Beds
2
Baths
2
Living Area
1,092 SqFt
Year Built
1985
Last Sale Date
3/25/2003
Purchase Price
$112,000
9809 Emerald Point Dr #7
Charlotte, NC 28278
Estimated Value
$429,000
Estimated Equity
$119,167
Beds
2
Baths
2
Living Area
1,092 SqFt
Year Built
1985
Last Sale Date
11/29/2023
Purchase Price
$395,000
9809 Emerald Point Dr #8
Charlotte, NC 28278
Estimated Value
$441,000
Estimated Equity
$253,764
Beds
2
Baths
2
Living Area
1,330 SqFt
Year Built
1985
Last Sale Date
12/17/2019
Purchase Price
$285,000
9809 Emerald Point Dr #9
Charlotte, NC 28278
Estimated Value
$438,000
Estimated Equity
$390,821
Beds
2
Baths
2
Living Area
1,124 SqFt
Year Built
1985
Last Sale Date
6/16/2000
Purchase Price
$124,000
9816 Emerald Point Dr #1
Charlotte, NC 28278
Estimated Value
$536,000
Estimated Equity
$465,199
Beds
3
Baths
3
Living Area
1,981 SqFt
Year Built
1988
Last Sale Date
12/19/2008
Purchase Price
$303,000
9816 Emerald Point Dr #10
Charlotte, NC 28278
Estimated Value
$415,000
Estimated Equity
$415,000
Beds
2
Baths
2
Living Area
1,092 SqFt
Year Built
1988
Last Sale Date
4/21/2023
Purchase Price
$320,000
9816 Emerald Point Dr #12
Charlotte, NC 28278
Estimated Value
$424,000
Estimated Equity
$339,657
Beds
2
Baths
2
Living Area
1,330 SqFt
Year Built
1988
Last Sale Date
5/24/2016
Purchase Price
$183,000
9816 Emerald Point Dr #2
Charlotte, NC 28278
Estimated Value
$468,000
Estimated Equity
$468,000
Beds
3
Baths
3
Living Area
1,627 SqFt
Year Built
1988
Last Sale Date
6/29/1998
Purchase Price
$150,000
9816 Emerald Point Dr #4
Charlotte, NC 28278
Estimated Value
$590,000
Estimated Equity
$388,569
Beds
3
Baths
3
Living Area
1,981 SqFt
Year Built
1988
Last Sale Date
3/30/2020
Purchase Price
$360,000
9816 Emerald Point Dr #5
Charlotte, NC 28278
Estimated Value
$440,000
Estimated Equity
$274,073
Beds
2
Baths
2
Living Area
1,330 SqFt
Year Built
1988
Last Sale Date
7/10/2015
Purchase Price
$200,000
9816 Emerald Point Dr #6
Charlotte, NC 28278
Estimated Value
$425,000
Estimated Equity
$425,000
Beds
2
Baths
2
Living Area
1,092 SqFt
Year Built
1988
Last Sale Date
8/10/2022
Purchase Price
$380,000
9816 Emerald Point Dr #7
Charlotte, NC 28278
Estimated Value
$422,000
Estimated Equity
$422,000
Beds
2
Baths
2
Living Area
1,092 SqFt
Year Built
1988
Last Sale Date
7/19/2011
Purchase Price
$140,000
9816 Emerald Point Dr #8
Charlotte, NC 28278
Estimated Value
$422,000
Estimated Equity
$169,100
Beds
2
Baths
2
Living Area
1,330 SqFt
Year Built
1988
Last Sale Date
N/A
Purchase Price
N/A
9816 Emerald Point Dr #9
Charlotte, NC 28278
Estimated Value
$425,000
Estimated Equity
$334,662
Beds
2
Baths
2
Living Area
1,330 SqFt
Year Built
1988
Last Sale Date
10/24/2013
Purchase Price
$168,000
9817 Emerald Point Dr #1
Charlotte, NC 28278
Estimated Value
$575,000
Estimated Equity
$575,000
Beds
3
Baths
3
Living Area
1,981 SqFt
Year Built
1990
Last Sale Date
3/25/2011
Purchase Price
$199,000
9817 Emerald Point Dr #10
Charlotte, NC 28278
Estimated Value
$438,000
Estimated Equity
$152,469
Beds
2
Baths
2
Living Area
1,092 SqFt
Year Built
1990
Last Sale Date
8/30/2022
Purchase Price
$420,000
9817 Emerald Point Dr #11
Charlotte, NC 28278
Estimated Value
$416,000
Estimated Equity
$142,524
Beds
2
Baths
2
Living Area
1,092 SqFt
Year Built
1990
Last Sale Date
4/8/2022
Purchase Price
$320,000
9817 Emerald Point Dr #2
Charlotte, NC 28278
Estimated Value
$567,000
Estimated Equity
$567,000
Beds
2
Baths
2
Living Area
1,627 SqFt
Year Built
1990
Last Sale Date
2/14/2020
Purchase Price
$340,000
9817 Emerald Point Dr #3
Charlotte, NC 28278
Estimated Value
$448,000
Estimated Equity
$51,904
Beds
2
Baths
2
Living Area
1,627 SqFt
Year Built
1990
Last Sale Date
10/14/2021
Purchase Price
$375,000
9817 Emerald Point Dr #4
Charlotte, NC 28278
Estimated Value
$521,000
Estimated Equity
$367,408
Beds
2
Baths
2
Living Area
1,981 SqFt
Year Built
1990
Last Sale Date
10/16/2017
Purchase Price
$315,000
9817 Emerald Point Dr #6
Charlotte, NC 28278
Estimated Value
$409,000
Estimated Equity
$341,934
Beds
2
Baths
2
Living Area
1,092 SqFt
Year Built
1990
Last Sale Date
2/20/2020
Purchase Price
$215,500
9817 Emerald Point Dr #7
Charlotte, NC 28278
Estimated Value
$428,000
Estimated Equity
$65,935
Beds
2
Baths
2
Living Area
1,092 SqFt
Year Built
1990
Last Sale Date
6/30/2023
Purchase Price
$410,000
9817 Emerald Point Dr #9
Charlotte, NC 28278
Estimated Value
$392,000
Estimated Equity
$392,000
Beds
2
Baths
2
Living Area
1,330 SqFt
Year Built
1990
Last Sale Date
2/18/2022
Purchase Price
$280,000
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Emerald Point Dr, 28278, NC
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Estimated Value
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Beds
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Year Built
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2718 S Point Rd
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2031 S Point Rd
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Beds
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4641 Craigmoss Ln
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Purchase Price
$235,000
9512 Durness Dr
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Estimated Value
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Estimated Equity
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Beds
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Baths
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Living Area
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Year Built
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Last Sale Date
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Purchase Price
$291,000
707 John Douglas Dr
Belmont, NC 28012
Estimated Value
$439,000
Estimated Equity
$205,216
Beds
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Baths
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Living Area
1,614 SqFt
Year Built
2001
Last Sale Date
9/18/2020
Purchase Price
$273,000
3012 Applewood Point Ln
Belmont, NC 28012
Estimated Value
$953,000
Estimated Equity
$953,000
Beds
4
Baths
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Living Area
3,960 SqFt
Year Built
2009
Last Sale Date
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Purchase Price
$535,000
1544 Reflection Pointe Blvd
Belmont, NC 28012
Estimated Value
$1,935,000
Estimated Equity
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Beds
3
Baths
3
Living Area
2,614 SqFt
Year Built
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Last Sale Date
7/17/2017
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$810,000
10902 Kinnairds St
Charlotte, NC 28278
Estimated Value
$433,000
Estimated Equity
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Beds
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Baths
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Living Area
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Year Built
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Last Sale Date
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Purchase Price
$267,500
13008 Brown Grier Rd
Charlotte, NC 28273
Estimated Value
$427,000
Estimated Equity
$208,856
Beds
4
Baths
2.5
Living Area
1,952 SqFt
Year Built
1998
Last Sale Date
9/22/2020
Purchase Price
$277,000
9400 Sweetleaf Pl
Charlotte, NC 28278
Estimated Value
$1,810,000
Estimated Equity
$1,810,000
Beds
3
Baths
4
Living Area
3,627 SqFt
Year Built
2019
Last Sale Date
3/12/2024
Purchase Price
$1,750,000
9259 Egret Rdg
Belmont, NC 28012
Estimated Value
$1,645,000
Estimated Equity
$1,117,021
Beds
5
Baths
3
Living Area
3,890 SqFt
Year Built
2006
Last Sale Date
5/29/2014
Purchase Price
$685,000
13528 Plowstone Ct
Charlotte, NC 28278
Estimated Value
$556,000
Estimated Equity
$187,487
Beds
4
Baths
2.5
Living Area
3,120 SqFt
Year Built
2005
Last Sale Date
6/28/2018
Purchase Price
$285,000
10729 Bere Island Dr
Charlotte, NC 28278
Estimated Value
$548,000
Estimated Equity
$293,842
Beds
5
Baths
3.5
Living Area
3,640 SqFt
Year Built
2011
Last Sale Date
1/4/2012
Purchase Price
$280,000
9221 Egret Rdg
Belmont, NC 28012
Estimated Value
$2,093,000
Estimated Equity
$2,093,000
Beds
4
Baths
3
Living Area
8,517 SqFt
Year Built
2006
Last Sale Date
1/31/2013
Purchase Price
$745,000
7212 Kilsyth St
Charlotte, NC 28273
Estimated Value
$510,000
Estimated Equity
$277,199
Beds
4
Baths
3.5
Living Area
2,938 SqFt
Year Built
2013
Last Sale Date
2/28/2014
Purchase Price
$243,000
Streets Near
Emerald Point Dr, 28278, NC
Street
Properties
Avg. Beds
Avg. Baths
Avg. Property Value
Avg. Property Size
Last Sale Date
Barrands Ln
73
4
3
$476,000
2,710 Sq.Ft.
3/10/2025
Castlecove Rd
70
4
3
$537,908
3,181 Sq.Ft.
2/28/2025
Centerline Dr
67
4
2
$409,908
2,297 Sq.Ft.
1/5/2024
Glenburn Ln
166
3
3
$454,181
2,422 Sq.Ft.
3/18/2025
Hermsley Rd
70
4
3
$502,906
3,091 Sq.Ft.
4/3/2024
Inverness Bay Rd
109
4
3
$520,266
2,951 Sq.Ft.
3/10/2025
Lake Pointe Dr
75
4
3
$1,019,946
4,468 Sq.Ft.
3/31/2025
Rock Island Rd
72
4
3
$552,406
2,474 Sq.Ft.
4/10/2025
Seamill Rd
108
3
2
$449,896
2,654 Sq.Ft.
3/25/2025
Stowe Derby Dr
117
3
2
$392,652
2,140 Sq.Ft.
4/14/2025
Additional Questions?
Looking for off-market properties in 28278, NC?
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 28278, NC 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 28278, NC?
The median home value in 28278, NC is $503,000, with an average home value of $600,073. The average price per square foot for homes in the area is $163.97.
How Can I Find Pre-foreclosures or Distressed Properties in 28278, NC?
Foreclosures and distressed properties in 28278, NC 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.
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