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$1,550,000
5 Beds ⋅ 4.1 Baths ⋅ 10652812 MLS
Timeless coastal elegance defines this waterfront residence. Meticulously maintained, well appointed and thoughtfully updated, this home offers 5 bedrooms, 4.5 baths and is the epitome of casual luxury. Spacious rooms with expansive river views, high ceilings and tall windows. Updated kitchen and primary bathroom. Screened porch, open deck and private second floor balcony all face the river. Dock and boat lift. Shown by appointment only with the listing agent present.

7304 Shirland Avenue, West Norfolk
$299,000
2 Beds ⋅ 2 Baths ⋅ 10651231 MLS
Beautiful WATERFRONT 2-bedroom, 2-bathroom end unit condominium on the 11th floor. Newer Kitchen Appliances, remodeled bathrooms with walk-in showers. Enjoy stunning sunrises and Lafayette River views from your balcony. The condominium has one assigned parking space. The condominium fees cover gas, electric, HVAC, water, sewer, trash removal, ground maintenance, 7-day reception desk coverage, elevator usage, Cox Ultimate Cable package (250+ Channels}, access to the saltwater pool, library, expansive community/meeting room with water views, and a full kitchen. Residents also have access to a boat dock, with boat slips available for yearly resident rental, an outdoor grilling area, assigned storage. Lastly, a full-time Maintenance Supervisor and Condo Manager are on site.

7320 Glenroie Avenue Unit 11J, West Norfolk
$575,000
10652453 MLS
Welcome to 937 Little Bay Avenue—a beautifully cared-for 2-bedroom, 1-bath beachfront cottage offering relaxed coastal living directly on Little Bay with detached one bedroom garage/apartment. Step outside to your own private sandy beach, enjoy expansive water views, and experience the charm of a true Norfolk beach bungalow. Garage apartment is currently rented for $1,150 per month, providing an immediate income stream. The main home and garage apartment share a water meter while featuring separate electrical service. Abundant private off-street parking provides plenty of room for residents and guests. This rare property offers the perfect combination of waterfront lifestyle and investment potential—ideal as a primary residence, second home, vacation rental, family compound, or long term rental opportunity. Conveniently located near military bases, beaches, dining, shopping, and everything Coastal Virginia has to offer, in an area known for strong rental demand.nego

937 Little Bay Avenue, North Norfolk
$369,000
5 Beds ⋅ 2 Baths ⋅ 10651818 MLS
Welcome to this mid-century all-brick home in the Bayview Park area of Norfolk, Virginia. Built to last, this unique home features original hardwood flooring, including beautiful oak floors downstairs and pine floors upstairs, giving the home a warm, cabin-like feel. The versatile floor plan offers a first-floor bedroom, full bath, office space, living room, dining room, kitchen, sunroom and garage. Efficient mini-splits provide heating and cooling with radiator backup heat. Outside, enjoy a large, serene backyard surrounded by mature pine and magnolia trees, plus access to a finger of the creek, great for kayaking, paddleboarding, canoeing, fishing and exploring Norfolk's marshes and wetlands. An all-brick detached workshop adds even more flexibility. Located on a quiet street near Wards Corner, Ocean View, Naval Station Norfolk, JEB Little Creek.

8591 Margaret Avenue, North Norfolk
$725,000
3 Beds ⋅ 2.1 Baths ⋅ 10650622 MLS
A rare waterfront retreat at the end of a quiet dead-end street in sought-after Lakewood, known for its mature trees, beautiful homes & peaceful setting. Set along a tidal inlet of the Lafayette River, this distinctive mid-century modern home offers beautiful water views, spectacular sunsets & deep-water access at higher tides from a private pier added in 2023 with composite decking & ladder. Nearly every room & major system has been updated, while timeless character remains with terrazzo flooring, rich hardwoods, custom millwork & expansive windows. The 1st floor features gracious living & dining rooms, a den with gas fireplace & updated kitchen with 6-burner gas range. The 1st-floor primary suite includes an updated ensuite with clawfoot tub/shower & oversized walk-in closet, which could be converted back to a 4th bedroom. A large, private yard with mature landscaping, expansive brick patio, walkways, & attached garage complete this exceptional waterfront property.

1300 Shaw Place, West Norfolk
$640,000
3 Beds ⋅ 2 Baths ⋅ 10650270 MLS
Set against a picturesque marina backdrop, this updated 3-bedroom, 2-bath condo offers comfortable living, generous storage, and beautiful views. The second-floor main living area features a semi-open concept kitchen, living, & dining space. The updated kitchen offers refreshed cabinetry, added storage, and an extended pass-through with a full bar. Two spacious bedrooms, a full updated bath, and ample closet space complete this level. Upstairs, the spacious primary suite offers a private retreat with an expansive deck and a fully updated bath. Waterproof LVP runs throughout, with new tile in the entryway. Some updates include a new roof (2025), balcony coverings and subflooring (2026), Thompson Creek sliding doors & primary window (2022), tankless water heater, updated lighting, & more. A one-car garage plus two-car parking pad adds convenience. The community offers a pool, clubhouse, tennis, & other amenities. Convenient to East Beach, the Bay, beaches, bases, restaurants, & highways.

9455 Mooring Drive, North Norfolk
$549,999
3 Beds ⋅ 3.1 Baths ⋅ 10650018 MLS
Tucked inside Bay Point, this home offers a flexible layout and easy coastal living just minutes from the beach. Featuring 3 spacious en suite bedrooms - including a first-floor primary suite with an updated bath and walk-in shower - plus two additional en suites on the top level for privacy and comfort. The main living level is filled with natural light and offers an open flow between the living, dining, and kitchen spaces - including an updated kitchen with a custom coffee bar - perfect for everyday living or entertaining. Attached 1-car garage. Enjoy Bay Point's peaceful setting with community clubhouse, pool, tennis courts, and marina access. Condo fee includes master insurance, trash, landscaping, and grounds maintenance. Pet-friendly (2 pets, combined weight up to 80 lbs), golf carts allowed, and fencing permitted (see 9538 Bay Front Drive for example). Just moments from Shore Drive dining, beaches, and bases.

9508 Bay Front Drive, North Norfolk
$200,000
10649163 MLS
Build your waterfront dream home. An exceptional opportunity to own one of East Ocean View’s premier waterfront homesites. This approximately 0.26 acre deep water lot offers breathtaking southern exposure overlooking pretty lake and provides an idyllic setting to build your custom coastal retreat. Pier/slip included and has water and electricity. This property offers tranquil waterfront living. Convenient to beaches, Little Creek, Naval Station Norfolk, downtown Norfolk, Virginia Beach, shopping, dining, entertainment and interstates.

9505 7th Bay Street, North Norfolk
$539,000
3 Beds ⋅ 2.1 Baths ⋅ 10647889 MLS
Experience exceptional waterfront living at Tanner's Landing in Riverview. This beautifully updated 3-bedroom, 2.5-bath residence is perfectly positioned to capture almost panoramic views of the Lafayette River from nearly every room. Fresh interior paint, luxury vinyl plank flooring, and a stylish kitchen bar create a sophisticated yet inviting space for entertaining. The open-concept design showcases the stunning water views, while the chef's kitchen features a gas cooktop, abundant cabinetry, generous counter space, pantry, and additional freezer. The serene primary suite offers a walk-in closet, an additional closet, and a private balcony overlooking the river; the perfect place to enjoy your morning coffee or evening sunsets. Gated, secure covered parking, two assigned spaces, private storage, and a carefree lifestyle complete this exceptional waterfront offering.

4250 Granby Street Unit 106, West Norfolk
$254,900
2 Beds ⋅ 2 Baths ⋅ 10646640 MLS
Live where others vacation! Beautiful Little Bay-front condo w/direct beach access, cathedral ceilings & no neighbors above! This move-in-ready home has been thoughtfully updated over the past 3 years w/renovated baths, updated kitchen w/granite countertops & appliances, coastal LVP flooring, new carpet, windows, sliding glass doors, storm door, washer & dryer, private sauna & recessed electric fireplace w/remote control & customizable flame colors to set the perfect mood. Enjoy mornings by the water, afternoons at the community pool & evenings watching beautiful Little Bay sunsets. Conveniently located 1.6 miles to Ocean View Fishing Pier & 2 miles to Ocean View Beach Park featuring summer concerts, festivals & waterfront events. Whether a year-round home, weekend retreat, or investment opportunity, this condo offers the coastal lifestyle you've been waiting for—where every day feels like a getaway!

833 Little Bay Avenue Unit I, North Norfolk
$780,000
4 Beds ⋅ 2.1 Baths ⋅ 10645710 MLS
Waterfront living at its finest! This beautifully updated home offers two deeded boat slips-one with a 12,000 lb lift and one with a 9,000 lb equipped with electric and fresh water making it a boaters dream. Spend your days fishing, paddle boarding, kayaking, or boating straight from your backyard. In the evenings, relax on the front porch and take in the breathtaking sunsets over the water. Inside, the freshly painted interior feels bright and inviting. The chef's kitchen was fully remodeled in 2022 and features top of the line Cafe appliances, stylish finishes, and exceptional functionality for easy entertaining. Additional upgrades include a new generator hookup, new moisture barrier for added peace of mind. Ideally located just around the corner from exciting new shopping & dining, Cova brewery, in sought after East Beach, easy access to military bases, interstate, and the beach.

4206 Pretty Lake Avenue Unit B, North Norfolk
$245,000
3 Beds ⋅ 3 Baths ⋅ 10645116 MLS
Take a look at this beautiful and spacious 3-bedroom, 3-bathroom, one of which has a shower condo unit on the 7th floor and enjoy stunning sunsets from your balcony.. This Condo features 3 bedrooms two of which are primary bedrooms with en-suite primary baths and comes with two assigned parking spaces and storage.. The condo fees cover gas, electric, HVAC, water, sewer, trash removal, 7-day reception desk coverage, doormen, elevator usage, Cox Ultimate TV Cable package, access to the saltwater pool, library, expansive community/meeting room with water views, and ground maintenance. Residents also have access to a boat dock, with boat slips available for yearly resident rental, and lobby level guest rooms for nightly rental

7320 Glenroie Avenue Unit 7G, West Norfolk
$745,000
3 Beds ⋅ 2 Baths ⋅ 10644181 MLS
Stop scrolling, this may be the best waterfront value you'll find! This stylish 3-bedroom, 2-bath home offers approximately 3,000 sq. ft. of space with room for just about every chapter of your life. The inviting dining room showcases beautiful water views, making family dinners, holiday gatherings, and backyard BBQ bragging rights. Even better. Downstairs welcomes you with a spacious bedroom, a relaxing foyer featuring custom built-ins perfect for displaying your favorite collections and a warm, inviting family room that's made for movie nights, game days, and gathering with the people who matter most. Cozy never looked so good. Upstairs is one enormous flex space, seriously, it's huge. Media room? Home office? Game room? Guest retreat? Dance studio? You decide. You'll also love the oversized walk-in attic, making holiday decorations easy to store and even easier to find. Outside nature steals the show. Step outside and enjoy peaceful waterfront living where nature provides the entertainment. The birds are so active you may find yourself shopping for a bird camera before patio furniture. If you've been waiting for an affordable waterfront home with charm, personality, and endless possibilities, your search just found its address. Waterfront living, endless possibilities, and an unbeatable value...what are you waiting for?

120 West Belvedere Road, West Norfolk
$219,000
2 Beds ⋅ 1 Baths ⋅ 10644057 MLS
Welcome to Ocean View, where you will fall in love with this end unit condo right on the Chesapeake Bay. Are you ready for stunning views and refreshing coastal breezes? This 2-bedroom condo offers a charming floor plan with a cozy living room, dining area and kitchen. Enjoy a private patio watching the sunrises and the luxury of just being steps from the beach with private access. Assigned parking adds convenience and you're right in the heart of everything East Beach has to offer.

900 E Ocean View Avenue Unit 11, North Norfolk
$675,000
4 Beds ⋅ 2.1 Baths ⋅ 10643696 MLS
If you like fishing, kayaking or enjoying the water front for all it has to offer, LOOK NO FURTHER!! THIS IS THE HOME YOU'VE BEEN LOOKING FOR!! New Construction just a few blocks from Ocean View Beach, minutes to Naval Base Norfolk Little Creek Base a City-Approved Golf Cart Community. This 4-bedroom, 2.5-bath home offers a prime location with an exquisite waterfront view, an open floor plan great for entertaining, everyday beach experience. The kitchen features granite countertops, a spacious island, stainless steel appliances, electric stove, microwave, dishwasher, all open to the family room with an electric fireplace. come see this beautiful home and make your dream come true.

3819 Pretty Lake Avenue, North Norfolk
$875,000
3 Beds ⋅ 3 Baths ⋅ 10643651 MLS
Welcome to this exceptional, updated 3-bedroom, 3-bath waterfront home in the heart of Willoughby Beach. Situated on a rare double lot with a private beach, you'll enjoy breathtaking Chesapeake Bay sunsets each evening. Embrace the coastal lifestyle with a private pier, floating dock with power and water, outdoor shower, spacious sunroom, and a large deck perfect for entertaining with natural gas hookups for a grill and fire pit, plus a hot tub. Inside, the warm and inviting living room features an oversized wood-burning fireplace and beautiful exposed wood beams. The first-floor primary suite offers a clawfoot soaking tub with beach and dock views. Recent updates include replacement windows, roof, HVAC, water heater, and an encapsulated crawlspace with a sump pump and dehumidifier. Custom details are found throughout—too many to list. Schedule your private showing today and discover what it means to live where other people vacation!

759 Ocean View Avenue W, North Norfolk
$340,000
2 Beds ⋅ 2 Baths ⋅ 10643256 MLS
Experience effortless waterfront living in this well maintained 2-bedroom, 2-bath residence in Norfolk's coveted Historic Freemason District. Thoughtfully updated kitchen and baths blend timeless style with modern convenience, while the foyer opens to living and dining areas anchored by a cozy wood-burning fireplace. The true showstopper is the expansive private balcony—an outdoor living room you'll enjoy for at least eight months of the year, perfect for morning coffee, evening cocktails, or entertaining friends. The generous primary suite features a walk-in closet, with additional storage and assigned garage parking adding everyday convenience. Located in a full-service building with a marina offering boat slips (subject to availability), you'll love being just moments from the Elizabeth River Trail, restaurants, festivals, arts, and all the energy of downtown Norfolk. Relaxed, refined, and ready to enjoy. Potential for Closing Cost Assistance with acceptable offer.

255 College Cross Unit 53, West Norfolk
$227,000
3 Beds ⋅ 3 Baths ⋅ 10641766 MLS
Well maintained and spacious 3 bedroom 3 full bathroom condo tucked away in a quiet corner of Norfolk on the Lafayette river. Enjoy your evenings on your private balcony or enjoy the serene park like grounds of the Algonquin house with a beautiful waterfront scene complete with a private dock, pool, and grilling patio. Condo fees include electric, water, hot water, sewer, trash, heating/air-conditioning, basic cable, and two reserved off-street parking spaces, doormen, 24/7 front desk attendant. Have a boat? Slips can be rented on an annual basis.

7320 Glenroie Avenue Unit 2G, West Norfolk
$649,900
4 Beds ⋅ 3 Baths ⋅ 10641039 MLS
Welcome to this beautifully updated brick ranch offering 4 bedrooms and 3 full bathrooms in a stunning waterfront setting. The home features a completely renovated kitchen with modern finishes that opens to comfortable living spaces designed for everyday living and entertaining. A large secondary living room provides additional space to relax and gather with family and friends. Enjoy expansive porches overlooking the water, where you can unwind in the hot tub and take in breathtaking sunrise views. The outdoor area is ideal for entertaining with a fire pit and plenty of space to host guests. Water enthusiasts will appreciate the private dock with boat lift, two jet ski lifts, and a large yard offering room to enjoy the waterfront lifestyle to the fullest.

801 Fontaine Avenue, East Norfolk
$209,900
2 Beds ⋅ 2 Baths ⋅ 10640574 MLS
Wake up to breathtaking bay views and enjoy the rare luxury of your own private beach! This charming condo offers the perfect opportunity to enjoy waterfront living while adding your own personal touches. Featuring several recent updates, the home is move-in ready with plenty of potential to customize and create the coastal retreat you've always envisioned. Spend your days relaxing on the private sandy beach, launching a kayak, watching spectacular sunsets, or simply enjoying the peaceful waterfront setting. Conveniently located near dining, shopping, and entertainment, this is an exceptional opportunity to own a slice of the Chesapeake Bay lifestyle. Whether you're searching for a primary residence, vacation getaway, or investment property, this waterfront gem is ready for its next chapter. Come see the possibilities and make it your own!

9601 9th View Street Unit 204, North Norfolk
$675,000
3 Beds ⋅ 3 Baths ⋅ 10640404 MLS
Imagine ending each day with the sun setting over the Lafayette River as sailboats drift past in the distance. Nestled in Larchmont, one of Norfolk's most sought-after waterfront neighborhoods, 1200 N Fairwater offers a rare opportunity to enjoy waterfront living with timeless character and breathtaking views. The sunroom quickly becomes everyone's favorite room in the house, providing a front-row seat to spectacular sunsets year-round. Outside, the expansive waterfront patio was made for entertaining, evening cocktails, and gathering around a firepit with friends and family. A private dock is already in place, with room to add a boat lift, while the concrete bulkhead is in excellent condition. Recent improvements include renovated bathrooms, an updated kitchen, replacement of the flat roofs and sunroom roof, a well-maintained slate roof, a rare dry basement, one-car garage, and flood insurance currently less than $1,200 per year. **Offering one of the most compelling values for deep-water waterfront living in West Norfolk, this is a rare opportunity to own a private dock, exceptional views, and timeless character at an incredible price.** Some photos were virtually staged using AI.

1200 N Fairwater Drive, West Norfolk
$799,900
4 Beds ⋅ 2.1 Baths ⋅ 10639675 MLS
Experience coastal living at its finest in this stunning waterfront home located in the Winona area of Norfolk. This beautifully renovated residence boasts breathtaking sunsets and water views from multiple vantage points. The airy, sunlit living space features large windows that frame picturesque scenes. Enjoy evenings on the expansive deck overlooking the serene water, perfect for entertaining or simply unwinding. With four spacious bedrooms and renovations throughout, this property seamlessly combines comfort, luxury, and nature's beauty.

1433 Huntington Crescent, West Norfolk
$939,000
4 Beds ⋅ 3 Baths ⋅ 10639727 MLS
Waterfront living at its best! Offering over 2,600 sq ft plus 500+ sq ft of flexible ground-level recreation space, this home features a private pier with navigable deep-water access to the Chesapeake Bay. The open-concept great room with hardwood floors, dining area, and spacious kitchen flows to a large covered deck perfect for entertaining. A main-level guest room or office, full bath, and large laundry room provide added convenience. The primary suite boasts a luxurious bath, private deck, and stunning sunset views. Three decks, a ground-level patio, fenced backyard, abundant storage, tankless Rinnai water heater, and a two-car garage complete this exceptional property. Launch your boat from your backyard or enjoy the beach just steps away. Convenient access to parks, pier and military bases.

623 W Ocean View Avenue, North Norfolk
$384,000
3 Beds ⋅ 2 Baths ⋅ 10637205 MLS
Waterfront brick ranch in well established area. This 3br, 2bth home has formal LR, DR plus Sunken Den. Beautiful Kit. has granite counters and stainless steel appliances. Interior was renovated in 2017. 2019-2021 the owner has completed a new roof, windows w/ lifetime warranty, sliding glass door (from DR to porch w/lifetime warranty), 17 Solar panels (25 year warranty), insulation and moisture protection throughout crawl, 5 crawl support piers(25 year warranty) & new roof installed on screened porch. Enjoy the water view from the large screened porch w/ two ceiling fans or deck;great for entertaining.

8033 Tarpon Place, North Norfolk
$319,000
3 Beds ⋅ 2.1 Baths ⋅ 10635876 MLS
Check out this beautiful, spacious 3-bedroom, 2.5-bathroom condo end unit on the 5th floor. The unit features an ensuite bathroom in the huge primary bedroom and includes two assigned parking spaces. You can enjoy stunning sunsets from your balcony. The condo fees cover a variety of amenities, including gas, electricity, HVAC, water, sewer, trash removal, a 7-day reception desk, doorman services, elevator usage, and the Cox Ultimate Cable package. Residents also have access to a saltwater pool, a library, a large community/meeting room with water views, and ground maintenance. The Algonquin House features a full-time on-site condominium manager and maintenance supervisor.

7320 Glenroie Avenue Unit 5D, West Norfolk
$169,000
1 Beds ⋅ 1 Baths ⋅ 10634430 MLS
Updated Waterfront unit on the beautiful Lafayette River! Condo fees include gas, electric, HVAC, water, sewer, trash removal, and Cox Ultimate Cable (250 Channels). Seven-day receptionists, doormen, assigned reserved off-street parking, elevator, saltwater pool, library, expansive community/meeting room with water views and full kitchen, ground maintenance, boat dock, boat slips available for yearly resident rental, outdoor grilling area, assigned storage, full-time condo manager and building maintenance staff, master insurance policy. Additionally, Guest rooms can be reserved for $100 a day. The Algonquin House is located in the heart of the Algonquin Park neighborhood

7320 Glenroie Avenue Unit 9A, West Norfolk
$1,600,000
10634189 MLS
Rare waterfront midterm rental investment opportunity! This unique quad multifamily property sits on a quiet dead-end road and backs directly to the creek with deep water access, offering incredible potential for investors or owner-occupants alike. Units 1 & 3 feature fresh paint completed in 2025. Unit 1 has new faceplates outlets, switches and all appliances convey. Updated dock improvements (2026) with newer electrical boxes and cables (2025), and newer plumbing to the docks with backflow valves installed in 2026. The property also includes a large finished basement complete with a full bath, heating and cooling, refrigerator, and sink. Enjoy being just moments from water access, local cafes, and popular kayak and paddleboard rental spots, making it easy to experience the river lifestyle. 16 Docks and boat slips add even more value and appeal to this one-of-a-kind waterfront property.

765 48th Street, West Norfolk
$175,000
2 Beds ⋅ 2 Baths ⋅ 10631909 MLS
Take a look at this beautiful 2-bedroom, 2-bathroom condominium unit on the 3rd floor. You can enjoy stunning sunsets from your balcony. The condo has one assigned parking space. The condominium fees cover gas, electric, HVAC, water, sewer, trash removal, ground maintenance, 7-day reception desk coverage and doorman, elevator usage, Cox Ultimate Cable package (250+ Channels}, access to the saltwater pool, library, expansive community/meeting room with water views, and a full kitchen. Residents also have access to a boat dock, with boat slips available for yearly resident rental, an outdoor grilling area, assigned storage. Lastly, a full-time Maintenance Supervisor, Condo Manager, Front Desk Receptionist, and Doormen are on site.

7320 Glenroie Avenue Unit 3E, West Norfolk
$355,000
2 Beds ⋅ 2 Baths ⋅ 10629812 MLS
Live every Day like a Vacation! FINEST Upgraded Unit available. Stunning Sunrises/Sunsets, passing Sailboats, huge Ships, playful Dolphins & soaring Waterfowl are yours to enjoy from this beautiful Bayfront Condo. Million Dollar views in the Heart of Ocean View on the Chesapeake Bay! Large Private Balcony overlooking the Beach & Bay and Tennis Courts. A welcoming community with great amenities: exercise room, tennis courts, fenced private pool, social events room, library, private beach access, extra storage, reserved parking, 24-hour management/security, & much more. Your new Beach Home – Huge master bedroom with a nicely renovated master bath w/ walk-in closet, newer HVAC, & bright sunny rooms- each with a wonderful Bay view- You’ll feel the gentle breezes, smell the salty air, and hear the rolling waves. Check out the photos and aerial video! Highest Vantage Point in the Building! Also overlooks Million Dollar Homes at Pinewell by the Bay next door! Easy to show NOW!

100 E Ocean View Avenue Unit 1009, North Norfolk
$235,000
3 Beds ⋅ 3 Baths ⋅ 10614713 MLS
Take a look at this beautiful and spacious 3-bedroom, 3-bathroom condo unit on the 5th floor and enjoy stunning sunsets from your balcony. The unit features a renovated kitchen with new appliances, countertops, and LVP Floors. The Condo also features two primary bedrooms with en-suite primary baths and comes with two assigned parking spaces and storage. The condo fees cover gas, electric, HVAC, water, sewer, trash removal, 7-day reception desk coverage, doormen, elevator usage, Cox Ultimate TV Cable package, access to the saltwater pool, library, expansive community/meeting room with water views, and ground maintenance. Residents also have access to a boat dock, with boat slips available for yearly resident rental.

7320 Glenroie Avenue Unit 5G, West Norfolk

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.