Contact your REALTOR directly in order to obtain the most up-to-date information available. Operating in the state of New York as GR Affinity, LLC in lieu of the legal name Guaranteed Rate Affinity, LLC. & updates. 2-2 garages with openers. Auctioneer/Real Estate Agent (937) 477-0263 . If you are using a screen reader, or having trouble reading this website, please call Redfin Customer Support for help at 1-844-759-7732. 16 Kettering, OH, USA houses for sale: pool . Hardwood span floors, Neutral paint covers walls. 3400 Southdale Dr, Kettering, OH 45409 $399,000 5 bds 4 ba 3,966 sqft - House for sale Price cut: $10,900 (Feb 24) 4862 Arrowhead Dr, Dayton, OH 45440 $285,000 4 bds 2 ba 1,505 sqft - House for sale 4 days on Zillow 3247 Aerial Ave, Dayton, OH 45429 $259,900 3 bds 2 ba 1,484 sqft - House for sale Price cut: $5,000 (Feb 27) Addresses for each unit are 3069 Shroyer Road, 447 Cushing Ave, and 449 Cushing Ave.
Kettering, OH Residential Land for Sale | Land And Farm Kettering homes for sale range from $32K - $2.6M with the avg price of a 2-bed single family home of $119K. Contact the school or district directly to verify enrollment eligibility. We are continuously working to improve the accessibility of our web experience for everyone, and we welcome feedback and accommodation requests. A Most livable home! Completely remodeled kitchens & bathrooms. Kettering, OH Real Estate & Homes for Sale 116 Homes Sort by Relevant Listings Brokered by Prodigy Properties Pending $53,522 3 bed 2.5 bath 2,117 sqft 0.46 acre lot 5108 Far Hills Ave,.
Kettering, OH Homes For Sale - Ohio Real Estate | BEX Realty This well maintained brick apartment building consists of four 1-bedroom, 1 bath apartments. 3812 Elmira Dr, Kettering, OH 45439 is a 3 bed, 1 bath, 1,040 sqft house now for sale at $155,000. Cozy Covered front porch and basement.
3812 Elmira Dr, Kettering, OH 45439 | Estately | MLS# 881616 The data relating to real estate for sale on this website comes in part from the Broker Reciprocity program of the Multiple Listing Service of Greater Cincinnati. The email or password you entered is incorrect. Freshly Painted Lovely 1266 Sq Ft Vinyl sided 3 or 4 bedroom, 2 bath One story home.
3125 Rushland Dr Kettering, OH 45419 - Xome.com Amazing Kettering location! General form error. Zillow (Canada), Inc. holds real estate brokerage licenses in multiple provinces. 442-H New York Standard Operating Procedures New York Fair Housing NoticeTREC: Information about brokerage services, Consumer protection noticeCalifornia DRE #1522444Contact Zillow, Inc. Coldwell Banker and the Coldwell Banker logos are trademarks of Coldwell Banker Real Estate LLC. So you are looking for single family homes for sale in Kettering, OH? Remodeled kitchen with quartz counters, updated bathrooms with granite counters. Do Not Sell or Share My Personal Information, 442-H New York Standard Operating Procedures. Most of the housing growth in this city took place prior to the 1960s. Zillow, Inc. holds real estate brokerage licenses in multiple states. Added 1st floor 1/2 bath in "breezeway" mud room along with coat closet. This is the one you have been waiting for. Enjoy a convenient 1 car attached garage. Convenient first floor laundry adjacent to the kitchen. Therere 2BRs. View more property details and sales history on Xome. 9' ceilings! Check with the applicable school district prior to making a decision based on these boundaries. The view and vaulted ceilings make this home so special. Excellent choice!
and the desirable Centerville School District. Zillow, Inc. does not display the entire Cincinnati MLS Broker Reciprocity database on this web site. The price and tax history data displayed is obtained from public records and/or MLS feeds from the local jurisdiction. The properties displayed may not be all the properties available through Broker Reciprocity. This site uses cookies and related technologies, as described in our, Do Not Sell or Share My Personal Information. All of our Kettering foreclosure homes for sale will include price, square footage, property address, home owner's name and contact information, number of bedrooms and baths. Long Time owner well maintained. Use filters to narrow your search by price, square feet, beds, and baths to find homes that fit your criteria. Pool could be converted to a spa. Cant find anything in the $250K - $300K price range? Seller also has another property for sale on Wiltshire, and 2 on corona that he would consider selling as a package.
Home for Sale: 864 sq. Working on getting that corrected. Ft. This home has many updates. Zillow, Inc. does not display the entire Cincinnati MLS Broker Reciprocity database on this web site. Estate sell make a offer Lovely 3 Bedroom Brink Ranch on Park like huge lot with trees. 2023 Coldwell Banker. The home is zone heated with three fu. View photos, research land, search and filter more than 0 listings | Land and Farm Professionally re-stained hardwood floors that are stunning. 8 myths about renting you should stop believing immediately, 6 ways home buyers mess up getting a mortgage, 6 reasons you should never buy or sell a home without an agent, Difference between agent, broker & REALTOR, Real estate agents reveal the toughest home buyers they've ever met, Do Not Sell or Share My Personal Information. Ft: 936, Bedrooms: 2, Baths: 1. Ft. Stop Looking and get in here before it GONE!! Springboro Office - Coldwell Banker Heritage, Kettering Office - Coldwell Banker Heritage, Berkshire Hathaway HomeServices Professional Realty, Home buyers reveal: 'What I wish I had known before buying my first home, Debunked! 2832 Gladstone Street, Kettering, OH 45439. View photos, property record valuation and tax data for 1304 Flowerdale Ave Kettering OH 45429. $399,000. Ash Tree preservation treatment 2020. Kettering OH Nearby Real Estate & Homes for Sale. 4424 Timberwilde Dr, Kettering, OH 45440 is for sale. There is off-street parking with a garage which includes four parking spaces in the rear. Cape Cod Homes for Sale - Kettering, OH - 14 Listings | Trulia Kettering, OH Cape Cod Homes for Sale Sort: New Listings 14 homes cape-cod-homes NEW CONSTRUCTION BUILDABLE PLAN 3D VIEW $394,900+ 2bd 2ba 1,463 sqft The Cape Cod Plan in Cottages of Beavercreek, Dayton, OH 45430 NEW CONSTRUCTION BUILDABLE PLAN 3D VIEW $292,990+ 4bd 3ba 1,903 sqft website, call If you're looking to sell your home in the Kettering area, our listing agents can help you get the best price. There is a second lower level that offers storage and is unfinished. The data relating to real estate for sale on this website comes in part from the Broker Reciprocity programs of the MLS of Greater Cincinnati, Inc.. Those listings held by brokerage firms other than Zillow, Inc. are marked with the Broker Reciprocity logo and house icon. Disclaimer: School attendance zone boundaries are supplied by Pitney Bowes and are subject to change. 2521 Oakley Avenue, Kettering, OH 45419.
3131 Southdale Drive 1, Kettering, OH, 45409 Point2 2550 Barryknoll St, Dayton, OH 45420 $159,900 Brand new windows. Buying a home for the first time can be terrifyingly intimidating A pre-approval letter from a lender makes your offer stronger. The working gas fixture is operational. View more property details, sales history and Zestimate data on Zillow. all separate utilities, owner back bills tenant in addition to rent for W/ S, tenant pays trash . Information is deemed reliable but not guaranteed. Home buyers reveal: 'What I wish I had known before buying my first home, Debunked! Well maintained landscaping with a handsome exterior will make. The Coldwell Banker System is comprised of company owned offices which are owned by a subsidiary of Anywhere Advisors LLC and franchised offices which are independently owned and operated. 2 Bd bungalow. One of the few ready to build available lots in Kettering. MLS # 881753 Real estate agents affiliated with Coldwell Banker are independent contractor sales associates and are not employees of Coldwell Banker.
Comfortable Vintage-style home near bus/shops. MLS # 881302 (could be combined) one small common wall. The listing brokers offer of compensation is made only to participants of the MLS where the listing is filed. Our Kettering real estate stats and trends will give you more information about home buying and selling trends in Kettering. Refinished hardwood floors throughout. The building has a full basement with washer and dryer hook ups.
34 Homes for Sale in Kettering City School District | PropertyShark Protect your home and budget with an American Home Shield home warranty.
3 Bedroom Homes for Sale in Kettering OH | Zillow Kettering > Homes Kettering, OH Homes With By Owner For Sale ( 12 results) 1 199,900 118 Winding Way Homes 4 Bedroom 2 Bathroom By Owner Basement Land Garage Fireplace The living room, with hardwood floors and cozy brick fireplace, is the perfect space to relax at the end of the day. Fireplace in each unit with log lighters, can be converted to gas logs. Ohio > Kettering, OH Homes for Sale > 3400 Southdale Drive, Kettering, OH Details; Add to Favorites Request More Info. It is a reasonably short walk to access primary schools from anywhere in Kettering. So you are looking for multi family homes for sale in Kettering, OH? A small number of restaurants and cafes are available as well. . 3 Beds. All rights reserved. Very well maintained 3 bedroom, 2 full bath Kettering brick ranch located on great corner lot!
Cape Cod Homes for Sale - Kettering, OH - 14 Listings | Trulia Redfin has a local office at 8044 Montgomery Rd. Private Tour Select date and request your own property tour: 02 Mar 2 separate patios. Low maintenance exterior with large fully fenced in rear yard and deck. This triplex with all units currently leased includes a 2 bedroom unit with 1 car garage, and two 1 bedroom units with 1 car garage. Lot is heavily wooded/honeysuckle. About the ratings: GreatSchools ratings are based on a comparison of test results for all schools in the state. Note. This city is quiet overall, as the streets are quite tranquil - however noise can be an issue near the railway line. Check out this 100+ year old farmhouse that still has signs of the underground railroad in the basement. * Recently remodeled home completely redone from the underfloor to the ceilings!! Large open basement that provides ample space for storage or the ab, On a cul-de-sac within walking distance to parks, schools and the YMCA. Water heater new in 2019.
Kettering, OH Real Estate & Homes for Sale | RE/MAX The listing brokers offer of compensation is made only to participants of the MLS where the listing is filed.
3,945 Kettering Homes for Sale - Kettering OH Real Estate - Movoto Used under license. each unit has self clean stove, dishwasher, disposer, microwave and refrigera. $389,900.
Kettering OH Single Family Homes for Sale - Homes.com Sched. 34 homes for sale in Kettering City School District. FOR SALE $255000 4310 Wallington Dr Kettering, OH 45440 - MLS #223003210 | 3 BedsTotal 2.00 Baths! Kettering is home to approximately 56,078 people and 26,780 jobs. * New furnace being installed next week!! Extremely lovely and open four bedroom home. No Homes for Sale in Kettering, OH Explore Similar Homes Within 10 Miles of Kettering, OH $104,000 3 Beds 3 Baths 4167 Tangletree Ct, Dayton, OH 45414 Are you ready to get a great deal on a piece of real estate? Water heater 4 or 5 years old. Kettering, OH Multi Family Homes for Sale & Real Estate 11 Homes Sort by Relevant Listings Brokered by Bill Lee & Associates Inc. New For Sale $309,900 6 bed 2 bath 2,509 sqft 0.26 acre lot. All the heavy lifting has been done, see the HOA approved building plans that are included in the purchase of the lot. $165,000 USD: Governors Hill breath taking first floor unit with lots of natural light, marble entry, large living room overlooking the patio, dining room with hardwood floors, large kitchen with eating area, 2.5 .
2521 Oakley Avenue, Kettering, OH, 45419 Point2 3 Bedroom Homes for Sale in Kettering OH 32 Agent listings 2 Other listings Sort by: Homes for You 3856 Longridge Dr, Dayton, OH 45429 $143,200 3 bds2 ba1,080 sqft - House for sale 14 hours ago 4559 Burchdale St, Dayton, OH 45440 $289,000 3 bds2 ba1,549 sqft - House for sale 1 day on Zillow Loading. Disclaimer: School attendance zone boundaries are supplied by Pitney Bowes and are subject to change. This browser is no longer supported. Nice clean brick ranch.The living room has an adorable dining area off the kitchen which is complete with a large window with view of the yard. 52,272Sqft Lot. Each office independently owned and operated. ft. home is a 3 bed, 2.0 bath property. Don't Miss Out, Come See Today! Virtual Tour Pending Our Kettering foreclosure listings posted on this page will include pre-foreclosures, short sales, sheriff sales and bank foreclosure homes. For Sale - 3131 Southdale Dr #1, Kettering, OH - $165,000. Updated 3 bedroom 2 bath ranch featuring more than 2,000 square feet of living space. Brokerage. Kettering, OH Recreational Land for Sale - Page 1 of 1. Only conventional financing & cash offers will be accepted. 4 bds; 3 ba; 2,032 sqft - House for sale.
Kettering Real Estate | Find Houses & Homes for Sale in Kettering, OH View 42 photos of this 3 bed, 2 bath, 1770 sqft. Kettering is a minimally walkable city in Montgomery County with a Walk Score of 41. For Sale. foot 3 bed, 2 bath house for sale. Home is being sold in "as is" condition, and seller will not make any repairs. This is a non-elevator building, 15 steps to the garage. 4424 Timberwilde Dr, Kettering, OH 45440 is a single-family home for sale listed on the market for 1 day. 3 br 3.5 ba 1,700 sqft Get Pre-Approved. Redfin is redefining real estate and the home buying process in Kettering with industry-leading technology, full-service agents, and lower fees that provide a better value for Redfin buyers and sellers. To View Pictures, go to: www.Bobhogstrom.com or AuctionZip.com ID #: . Coldwell Banker Realty and Guaranteed Rate Affinity, LLC share common ownership and because of this relationship the brokerage may receive a financial or other benefit. See property details, photos, nearby real estate with school and open house information. Information is deemed reliable but not guaranteed. 3 Bd. $885,000. If you wish to report an issue or seek an accommodation, please let us know. .. abundance of closet s. No Steps, Low maintenance! to Dayton. The lot lines go about 25' on the left of the trees and up to the fence on the right side and all the way to the back fence line at a angle. 1.5 Baths 1,176 Sq. MLS# 1765443. The spacious and inviting living room is anchored by a striking fireplace and opens to a stunning kitchen renovation that is truly a cook's dream. 2832 Gladstone Street, Kettering, OH, USA 45439 See 17 Photos, description and maps; Bedrooms: 2; Full Baths: 1; Square Feet: 864; Price: 125650; MLS ID: 881630. . New homes are getting added all the time.
3131 Southdale Dr #5, Dayton, OH 45409 | MLS #881753 | Zillow MLS# 1765443. View 43 photos of this 3 bed, 1 bath, 864 sqft. Kitchen totally remodeled with new cabinets, granite counters, slate flooring and SS appliances. Estately uses only necessary cookies which are essential to ensure the best user experience. The Cape Cod Plan in Cottages of Beavercreek, Cedar w/ Full Basement Plan in Willow Hills, Birch w/ Full Basement Plan in Willow Hills. Redfin is redefining real estate and the home buying process in Kettering with industry-leading technology, full-service agents, and lower fees that provide a better value for Redfin buyers and sellers.
Kettering OH Single Family Homes For Sale - 27 Homes | Zillow Effective Kitchen, its adjacent to Dining room for easy delivery. You are not required to use Guaranteed Rate Affinity, LLC as a condition of purchase or sale of any real estate. The properties displayed may not be all of the properties available through Broker Reciprocity. - Price listed is the minimum bid. That is why we have compiled a list of 81 single family homes that are currently for sale within Kettering, OH residential boundaries, including open house listings. Kettering OH Luxury Homes 35 Agent listings 9 Other listings Sort: Price (High to Low) 1216 E Dorothy Ln, Dayton, OH 45419 $1,200,000 15 bds 15 ba 8,388 sqft - Multi-family home for sale 4 days on Zillow 5081 Rolling Woods Trl, Dayton, OH 45429 $1,195,000 3 bds 6 ba 6,813 sqft - House for sale Video Walkthrough Loading. Environmental risk data is provided by Risk Factor, a product of First Street Foundation. Featuring a simple Open floor plan front to back, its flow desirable. $275,000. ft. of luxurious living space. READ REDFIN'S FAIR HOUSING POLICY. The 730 sq. to Chillicothe, 50 min. View details, map and photos of this condo property with 3 bedrooms and 3 total baths. It is occasionally difficult for pedestrians to move around in this city since running common errands is at times challenging on foot. The listings of some real estate brokerage firms have been excluded. Tastefully updated in neutral tones you will fall in love at first sight!
2832 Gladstone Street, Kettering, OH 45439 House for Sale - realestate This error applies to the full form. Updated Multi-family duplex in the heart of Kettering. This 9408 square foot multi family home has 24 bedrooms and 13.0 bathrooms.
Kettering, OH Multi Family Homes for Sale & Real Estate Kettering, OH Real Estate & Homes For Sale - Homesnap Kettering, OH Real Estate & Homes For Sale 25 Results Ohio Dayton Metro Area Montgomery County Washington Township Kettering Date arrow_downward Price arrow_upward Beds More 1 2 3 $285,000 For Sale 4862 Arrowhead Drive Dayton, OH 45440 4 Beds 2 Baths 0.29 Acres star_border 1 2 3 $195,000
1118 Lincoln Park Blvd, Kettering, OH 45429 | Zillow Location near highway access, schools, shopping, and more.
You'll love the updated kitchen with its new cabinets, quartz countertops, and open layout. Great location, ONE OF A KIND! .per owner, the sq. .
4424 Timberwilde Dr, Kettering, OH, 45440 | MLS #881369 | RocketHomes Some of the hottest neighborhoods near Kettering, OH are Walnut Hills, Linden Heights, Belmont, Shroyer Park, Historic Inner East. We are continuously working to improve the accessibility of our web experience for everyone, and we welcome feedback and accommodation requests. VIDEO. Ceramic tile in entry. 2 Ba. Make this home your own.
1304 Flowerdale Ave Kettering, OH 45429 - Xome.com ft. condo is a 3 bed, 3.0 bath unit. single family is a 2 bed, 1.0 bath unit. Get instant access to property photos so you can explore the home online. An ideal home to Start, Downsize, Right Size. Over 90k dollars worth of renovations!!
4310 Wallington Dr, Kettering, OH 45440 - MLS #223003210 Public Auction Sale: Houck Public Auction - Kettering, OH Kettering, OH Land for Sale between 11 and 50 Acres A truly unique West Kettering home that is unlike anything you . Location, charm and so many updates! Court Ordered Sale. Brokerage. Spruce w/ Full Basement Plan in Willow Hills, Aspen w/ Full Basement Plan in Willow Hills, Hazel w/ Full Basement Plan in Willow Hills. The schools near 4424 Timberwilde Dr, include Prass Elementary School, Kettering Middle School and Kettering Fairmont High School. REDFIN and all REDFIN variants, TITLE FORWARD, WALK SCORE, and the R logos, are trademarks of Redfin Corporation, registered or pending in the USPTO. Words ca. Ideal location between NCR CC and Moraine CC. With some tlc this home will be perfect for owner occupant, or investment. Schedule your showing today! In fact, there are schools, universities, school districts and lastly parks nearby. 20 x 6 covered front patio. Type: Single Family Residential, Sq.
Now available, .33 acre lot in West Kettering's The Ridge. For further questions on requirements for building on this lot contact City of Kettering and Montgomery County. Patio and walkway around the home. The properties displayed may not be all of the properties available through Broker Reciprocity. The 730 sq.ft. Only minutes away from shopping and restaurants at The Greene, Delco Park and I-675. Springboro Office - Coldwell Banker Heritage, Berkshire Hathaway HomeServices Professional Realty, Kettering Office - Coldwell Banker Heritage, Home buyers reveal: 'What I wish I had known before buying my first home, Debunked! (Two) Three bedroom units with individual full basements. Court Ordered Sale by Private Selling Officer. This impressive home is approximately 6,800 sq. This is a carousel with tiles that activate property listing cards. For Sale - 56 E Rahn Rd, Kettering, OH - $61,305. If you wish to report an issue or seek an accommodation, please, 442-H New York Standard Operating Procedures. room.
Kettering, OH Single Family Homes For Sale - 103 Listings - Trulia 56 E Rahn Rd, Kettering, OH 45429 - MLS 1765028 - Coldwell Banker Kettering is a minimally walkable city in Montgomery County with a Walk Score of 41. Rich Flowers. In the past month, 39 homes have been sold in Kettering. single-family home with a list price of $139900. Updated January 2023: By searching, you agree to the Terms of Use, andPrivacy Policy. In the past month, 39 homes have been sold in Kettering. Build your dream home on nearly half acre lot in Kettering.
$61,305. 6076 Pleasant Valley Rd, Camden, OH 45311 . In past 10 years: Replacement Windows, Furnace, electric re-wired, complete tear-off of old roof. Realtor.com wants to make sure you can search single family homes with ease. Copyright 2023, MLS of Greater Cincinnati, Inc. All rights reserved No stone left un turned on this one so reach out and schedule a tour today! Trulia is a registered Trademark of Zillow, Inc. Zillow, Inc. holds real estate brokerage, Do Not Sell or Share My Personal Information, Zillow Group is committed to ensuring digital accessibility for individuals with disabilities. 5364 Landau Dr #38 Kettering, OH 45429 SOLD in 37 Days on 06/12/2020 $118,000 2 Bd 2 Ba 1,470 Sqft ($80/Sqft) Property Details Home Value ($/Sqft) $80/Sqft Home Value Estimate $160,917 Time on Movoto 949 Days Property Type Condominium County Montgomery ClimateCheck Risk 36 Moderate GreatSchools Rating 6/10 - 6/10 Lot Size 1,307 Sqft HOA Fees View property details, photos, and neighborhood info. The first floor offers large family room, fireplace, dining area, kitchen and 2 bedrooms with full bath. We are continuously working to improve the accessibility of our web experience for everyone, and we welcome feedback and accommodation requests. 2521 Oakley Ave , Kettering, OH 45419-2349 is a single-family home listed for-sale at $120,000. Conveniently located just outside of the small town of Frankfort Ohio and just 20 min. IDX information is provided exclusively for personal, non-commercial use, and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. This frame and vinyl bungalow was completely renovated within the past 3 years and features a spacious living room, separate dining room, updated eat in kitchen with bright cabinets, stove and refrigerator, 2 comfortable bedrooms, and renovated bath.
please call., Kettering, OH, 45439 - MLS ID#881630 - Single Family Home Kettering Homes for Sale: Kettering, OH Real Estate | Redfin 2,310 Sq Ft. 56 E Rahn Rd, Dayton, OH 45429. Oversized two car garage and 1 1/2 acres where 4 homes could be built. Check with the applicable school district prior to making a decision based on these boundaries. Hide Contact Share Map Just Listed 1/3 4417 Sunnydale Pl, Kettering, OH 45429. Beautifully updated kitchen with new stainless-steel appliances. .. or just Simplify.
Kettering, OH Single Family Homes for Sale | realtor.com IDX information is provided exclusively for personal, non-commercial use, and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Some features of this website may not work until you update to a supported browser. Beautiful white cabinets with granite counter tops Fully renovated basement with huge rec. Each office is independently owned and operated. to Columbus and 90 min. Information is thought to be correct but not guaranteed. Listed are all Kettering Homes For Sale, ranging in size from approximately 600 to over 5,400 square feet and in price from $20,000 to around $670,000.Each property is unique, with some having as few as 1 bedrooms and 1 baths and others offering up to 5 . There are 111 active homes for sale in Kettering, OH. Only showing 5 of 3bedroom ranch gas heat, central air, new carpet, fenced yard storage shed. A truly unique West Kettering home that is unlike anything you have ever seen before. Many people choose to live near Kettering, OH because of its good reputation as well as its proximity to several parks and recreational areas. All rights reserved, Additional Information About 4424 Timberwilde Dr, Kettering, OH 45440, Home Buyers Reveal: 'What I Wish I Had Known Before Buying My First Home, Selling Your Home? Well, this is your chance to own a fantastic 3 bedroom, 2 bath, brick ranch. Our top-rated real estate agents in Kettering are local experts and are ready to answer your questions about properties, neighborhoods, schools, and the newest listings for sale in Kettering. In fact, there are schools, universities, school districts and lastly parks nearby. However, high schools are not particularly numerous and thus not always within walking distance. Kettering, OH Single Family Homes for Sale 82 Homes Sort by Relevant Listings Brokered by Prodigy Properties New For Sale $61,305 3 bed 2.5 bath 2,310 sqft 0.86 acre lot 56 E Rahn Rd,. It is designed to be a starting point to help parents make baseline comparisons, not the only factor in selecting the right school for your family.
3400 Southdale Drive, Kettering, OH 45409 | Homes & Land Dayton Homes for Sale: Dayton, OH Real Estate | Redfin The listings of some real estate brokerage firms have been excluded.