Welcome to 10 Elmwood - located in one of the most sought-after neighborhoods in Rutland City, offering unbeatable mountain views, privacy and convenience. This immaculate home is tucked away on a quiet road yet just minutes to shopping, dining, outdoor recreation, hospitals and local amenities. Featuring four spacious bedrooms, including a first-floor office that could easily be converted into a main-level bedroom creating flexible living options to suit any buyers needs. Inviting hardwoods flow throughout the 1st floor that connect to the newly installed carpets on the staircase and 2nd floor. In the living room, you will be tempted to stay a while with the charming fireplace being the center of attention -perfect for those cozy nights in. The partially finished basement offers additional space with great potential for even more possibilities—ideal for creating a home gym, man cave, or additional living area. Step outside and enjoy the new TREX decking, thoughtfully designed to connect from the kitchen’s sliding door to the dining room, making indoor-outdoor entertaining seamless. The deck overlooks a rare, oversized city lot with mature trees giving a sense of serene privacy. With nearly half an acre you have the space for gardening, pets, entertaining or simply just kicking your feet up at the end of the day and relaxing. With modern amenities, generous living space, and an unbeatable location, this home truly standouts amongst the crowd. Don’t miss your chance to be the new owners of this lovely home. Scheduled your private showing today!
Located in Rutland City's desirable Northeast neighborhood, this hillside ranch sits on a rare 0.83-acre lot, offering an exceptional amount of outdoor space while still being close to everything the city has to offer. Step inside through the spacious foyer and you'll immediately appreciate the home's thoughtful layout. The large kitchen is the heart of the home, featuring abundant cabinetry, built-ins, and plenty of room for cooking, gathering, and everyday living. Just off the kitchen is a cozy flex space that would make a wonderful breakfast nook, library, sitting area, or home office. The formal dining room and expansive living room are ideal for entertaining, connected by a striking back-to-back brick fireplace and complemented by built-in shelving and hardwood floors. Down the hall, you'll find two guest bedrooms, a full bath, and a primary suite with its own private ensuite bathroom. The walkout lower level provides even more living space with a comfortable family room centered around a wood stove, an additional bonus room perfect for hobbies, a home gym, or office, plus laundry and storage areas. The oversized attached two-car garage offers plenty of room for vehicles and extra storage. Outside, the spacious backyard provides room for gardening, recreation, entertaining, or simply relaxing and enjoying the setting. Conveniently located near Rutland Regional Medical Center, Killington and Pico ski resorts, regional lakes, shopping, dining, and year-round outdoor recreation, this property offers the perfect blend of space, comfort, and convenience.
Tucked near the end of a dead-end road in Rutland’s desirable Northeast neighborhood, this beautifully built 2022 Cape offers modern design, comfort and convenience. This three-bedroom, two-bath home features clean lines, bright interiors and a thoughtful layout. The spacious, open kitchen—complete with stainless steel appliances—flows seamlessly into the dining area, creating an ideal space for gathering and entertaining. Natural light fills the living spaces, adding warmth and an inviting feel throughout. The main level includes a bedroom, offering flexibility for guests, a home office or convenient one-level living. The second level features two additional bedrooms, a full bath and the added convenience of an upstairs washer and dryer—perfectly designed for easy everyday living. The finished lower level provides a large family room with radiant heat, ideal for relaxing, hosting or creating flexible living space to suit your needs. Ideally located near schools, the hospital and everyday amenities, this home combines peaceful neighborhood living with easy access to everything Rutland has to offer. Move-in ready, modern and low-maintenance—this is one you won’t want to miss. Call for your private viewing today.
Wonderful townhouse in highly sought-after Heritage Hill offering an open layout, over 2,000 square feet of finished living space, abundant natural light, and airy, comfortable living areas throughout. A truly inviting home that combines space, style, smart design, and easy living in one of the area’s most desirable neighborhoods. This spacious two-bedroom, two-bath townhouse features a thoughtfully designed kitchen with quartz countertops, attractive cabinetry, floating shelves, clever storage solutions, and an adjacent dining area ideal for everyday living and entertaining. The sun-filled living room is rich with character and warmth, highlighted by dramatic 18-foot cathedral ceilings, unique architectural windows, gas fireplace, and custom built-in bookcases. A beautiful sunroom provides additional living space with sliding windows and roll-down shades, creating a relaxing retreat to enjoy throughout the seasons. The first-floor primary bedroom offers comfort and convenience with an attached bath and three closets, providing a peaceful and functional private space. Upstairs, a loft area with skylights overlooks the main living space and leads to two additional rooms and a full bath, perfect for guests, office space, studio or hobbies. Storage is abundant throughout the home, and the tiled entry offers direct access to the oversized attached garage with even more storage space. Additional highlights include a modern high-efficiency boiler with on-demand hot water, landscaped grounds, low-traffic surroundings, and an attractive neighborhood setting. Heritage Hill living at its best!
Welcome to this very spacious single-family home located in one of Rutland City’s most desirable neighborhoods. Offering the perfect combination of comfort, privacy, and convenience, this property is ideally situated close to shopping, dining, schools, parks, and everyday amenities. Inside, you’ll find a thoughtfully designed layout with generous living spaces, four comfortable bedrooms, and three bathrooms, providing plenty of room for family, guests, or a home office setup. Bright and inviting interiors create a warm atmosphere throughout the home. Step outside to a large deck overlooking an expansive private yard—an ideal setting for entertaining, summer gatherings, outdoor dining, or simply enjoying your own peaceful retreat. With ample space for recreation, gardening, or relaxation, the backyard offers endless possibilities. This appealing home combines neighborhood appeal with practical convenience, making it a wonderful place to call home. Don’t miss your chance to own a home in one of Rutland City’s sought-after locations. Schedule your private showing today!
Spacious and energy-efficient, this beautifully maintained 4-bedroom, 2 full-bath home offers character, flexibility, and numerous updates throughout. The inviting front foyer welcomes you into a warm living room featuring crown molding and a cozy pellet stove. An open dining room showcases an eye-catching chandelier and flows to a den with an attached renovated bathroom, creating a versatile space for guests, a home office, or first floor living. The kitchen opens to a bright breakfast sunroom with a sliding glass door leading to a wraparound deck featuring low-maintenance Trex composite decking. Both the front staircase and a convenient rear stairway provide access to the second floor, where you'll find four bedrooms, a newly renovated full bathroom, and a spacious laundry room with potential for conversion to a kitchenette or additional living space. Enjoy views of the beautiful perennial gardens from the back deck, with additional space available for vegetable gardening. The garden shed (8x12) offers outside storage space. Originally configured as a two-family home and now used as a single-family residence, this property offers flexibility to suit a variety of needs. Skiers take notice of this property as a second home! The walk-out basement is insulated and dry, featuring interior access, a sump pump, utility sink, workbench, and updated mechanical systems include a Buderus furnace and hybrid hot water heater. Additional efficiency upgrades include solar panels, three mini-split heat pumps, a pellet stove, replacement windows, and foam insulation, making this home exceptionally comfortable and economical to live in. The picturesque covered front porch, updated systems, and thoughtful improvements complete this move-in ready home. Close to hospital, schools, shopping and year-round recreation makes this a great find. See the 'List of Improvements' attached.
Welcome to this well-maintained 3-bedroom, 2-bath ranch offering comfortable one-level living while blending timeless 1950s character with thoughtful updates throughout. Nestled on a beautiful 2.19-acre lot in the highly sought-after Rutland Town School District, this inviting home features abundant natural light, warm wood floors, and an open-concept layout connecting the updated kitchen and living area, all enhanced by heat pumps providing efficient air conditioning and comfort. A coveted mudroom entry adjacent to the attached garage adds everyday convenience, while three generously sized bedrooms provide ample living space. The thoughtfully updated primary bath showcases modern finishes, stylish paint colors, tile flooring, and a step-in shower, while the second bath retains its charming vintage appeal. Major improvements completed within the past 15 years include a kitchen renovation, primary bath remodel, some replacement windows, Buderus boiler, roof, exterior paint, and the installation of three heat pumps. The full basement with bulkhead access offers exceptional storage and future potential. Outside, enjoy a peaceful and private backyard featuring mature shade trees, perennial gardens, and plenty of room to relax or entertain. Conveniently located near Rutland amenities, golf, and Pine Hill Park, this property offers the perfect balance of privacy, comfort, and accessibility.
Tucked away on a private corner lot in one of Rutland City's most desirable neighborhoods, this sprawling ranch offers something increasingly difficult to find—space to gather, space to retreat, and a setting that feels worlds away from the pace of everyday life. Imagine starting your morning with coffee overlooking mountain views as sunlight fills the main living spaces, then ending the day poolside while family and friends linger over conversation beneath a summer sky. Thoughtfully positioned outdoor spaces create multiple destinations to enjoy the property surrounding the sparkling generously sized in-ground pool, this home was designed for enjoying the beauty of every season and every moment in between. Inside, generous room sizes and an abundance of natural light create a warm and welcoming atmosphere throughout. The expansive living room provides the perfect backdrop for holiday gatherings and celebrations, while the dining area and adjacent sitting room anchored by a wood-burning fireplace invite quieter evenings at home. The layout offers flexibility for today's lifestyles, whether you're hosting large family gatherings, working remotely, or simply enjoying room to spread out and recharge, with extra space to customize for your favorite creative endeavors. The walkout lower level expands the possibilities even further, offering flexible space for recreation, movie nights, game days, or casual gatherings around the built-in bar after a day spent poolside.—there is room here for everyone and everything. Upstairs, three spacious bedrooms and three bathrooms provide comfort and convenience, while abundant storage throughout the home ensures everyday living remains organized and effortless. The Outside features mature landscaping, privacy, and mountain views with a resort-style pool just minutes from city amenities. More than a home, it’s a private retreat where life slows and connection comes naturally.
Beautifully Furnished Ranch in Desirable Rutland City Neighborhood. Welcome to this exceptional 3-bedroom, 2.5-bath single-family ranch, set on a generous quarter-acre corner lot in one of Rutland City’s most sought after neighborhoods. Offered fully furnished, this home is truly move-in ready and has been thoughtfully designed for comfort, privacy, and entertaining. The main level features an inviting open floor plan, ideal for both everyday living and hosting guests. With seamless flow between indoor and outdoor spaces, the home is perfectly suited for entertaining year-round. The finished basement expands your living space and includes a bar area and recreation room, offering endless possibilities for game nights, gatherings, or relaxation. Outside, the very private backyard is surrounded by natural fencing and includes a storage shed, new hot tub(2025), and a deck with a picnic table—creating a peaceful retreat and an entertainer’s dream. Previously operated as a successful Airbnb, this property offers excellent versatility—whether you’re seeking a turnkey investment, a primary residence, or a second home. With abundant recreational space inside and out, this home is equally perfect for families and those who love to host. A rare opportunity to own a fully furnished, well-maintained home in a prime Rutland City location—this one truly has it all, Welcome Home.
HUGE PRICE REDUCTION! Motivated Seller! This is the home people search for in a newer development. Luxury plank flooring, 4-bedrooms, 3 FULL baths delivering the space, layout and location buyers obsess over. Inside, the vibe is clean, modern and built for real life. The new kitchen has been done right: granite countertops, massive center island, an abundance of cabinets, modern stainless steel appliances including a wine/beverage fridge and plenty of workspace that will inspire your inner chef. The kitchen flows seamlessly to the living room and dining area with sliders leading to the large back deck with Trex decking overlooking the backyard. First floor primary suite and full bath with a luxurious jetted tub, second bedroom on the main level plus two additional large bedrooms upstairs- one with the start of a huge walk-in closet waiting for someone to finish it. Full basement ready to become the ultimate family room, game room, gym or all the above and a Buderus boiler and a whole house air filtration system providing clean fresh air throughout the home. Amazing oversized two car garage with overhead storage, new inviting front deck and privacy on both sides with bordering trees. Walking distance to downtown restaurants, shops, and events and Rutland County Farmers Market- offers fresh, local flavors. For adventure seekers, Killington Ski Area is just a scenic drive away, delivering world-class skiing and year-round mountain recreation.
OPEN HOUSE Saturday June 6th from 9:30 to 11:00. Recently Adjusted Price - Over $25K Reduction. Proctor - Home to historic landmarks like Wilson Castle, the Proctor Free Library, Carriage Trails, and the beloved Proctor Pool, this charming town offers both beauty and community spirit. This well maintained home is tucked into a desirable neighborhood and sits on a landscaped lot that includes a stone retaining wall and privacy fence. The kitchen, featuring white cabinetry, granite countertops, tile backsplash, and KitchenAid gas cook-top opens to a dining area big enough to gather with friends and family and connects to the living room with a large west facing picture window, built-ins, all with oak hardwood flooring and cooled by centrally located mini split. Totaling four bedrooms, 2.5 baths, the home includes a large primary bedroom, with three closets with a private bath. As characterized by the raised ranch, a style of home with finished living space below the main floor, the lower level offers a carpeted family room, a separate office with built-ins, and a dedicated workshop. This well maintained home has vinyl replacement windows, vinyl sided exterior, and is generator set and ready with Reliance ProTran transfer switch so you'll never be with out power. The attached garage - a must for living in Vermont - offers extra storage space. Enjoy outdoor living on your private back deck, with awning, that opens to a nice lawn complete with a handy storage shed to hold all your lawn and gardening tools. A well-regarded local school system and recreational opportunities make this an ideal place to call home.
PUBLIC OPEN HOUSE May 30 from 11:00am-12:00pm. The One You've Been Waiting For! Set in a beloved, convenient neighborhood, this split-level home wraps you in all the right spaces - an open living and dining room that spills out to a back deck, a primary bedroom with private ensuite, a finished lower level ready for whatever life calls for, and a fully fenced backyard built for lazy afternoons. Add a two-car garage and a price point that leaves room to refresh and make it entirely yours. Solid, welcoming, and ready for its next chapter.
**BACK ON THE MARKET** Due to no fault to the Seller, Pre Inspection and under appraised value! Wake up to feeling the morning sun and watching its beauty crest over the mountains ~ it is truly captivating and right outside your windows and front door! This newly updated three-bedroom home perfectly balances comfort, convenience, and Vermont charm. Location matters and this one is hard to beat. Less than 15 minutes from Rutland Regional Medical Center and local golf courses, under 20 minutes from Lake Bomoseen, and just 35 minutes from world-class skiing at Killington. The interior features new appliances and countertops, as well as a versatile bonus room suitable for a sunroom, home office, or fourth bedroom. The layout includes both spacious and functional kitchen that opens seamlessly into the dining area, refinished hardwood floors throughout, with two front-facing bedrooms with scenic picture windows, and a primary bedroom with a newly renovated private bath, offering privacy and comfort at the end of the day. The finished walkout basement provides valuable additional living space, including a family room with a wood-burning stove, a laundry area, and a flexible add'l bonus room for a home office, gym, or hobby space. The basement also houses a one-car garage and a workshop with plenty of storage space. Outside, the property boasts a sprawling front yard that captures the morning sun and a fully private backyard secluded from neighboring homes. Wonderful sun exposure for raised garden beds and a large shed, ideal for storage or small-scale farming. The combination of mountain views, privacy, and convenient access to recreation and amenities don’t come along often. Come see what life could look like here for you!
Welcome to this charming 3 bedroom, 2-bath Cape-style home, where modern finishes meet classic character in a peaceful neighborhood setting. Offering two floors of inviting living space, this home is thoughtfully designed for comfort, functionality, and style. A first-floor bedroom and full bathroom provide added convenience and flexibility, ideal for guests, one-level living, or a home office setup. Inside, you’ll appreciate the blend of timeless details and tasteful updates that create a warm and welcoming atmosphere throughout. The usable basement offers excellent additional space for storage, hobbies, a workout area, playroom, or future expansion to fit your needs. The exterior is just as appealing, featuring a welcoming front porch, a bright sunroom, a garage, and a fenced-in backyard perfect for entertaining, pets, gardening, or simply relaxing outdoors. Whether you're enjoying quiet mornings on the porch or hosting gatherings in the backyard, this home offers a wonderful balance of charm and practicality. Located in a quiet neighborhood close to downtown shopping, dining, and everyday amenities, and just a short drive to the mountain for skiing, hiking, and year-round outdoor recreation, this property offers the perfect blend of convenience, character, and lifestyle. Schedule a private tour today!
Spacious 4-bedroom, 3-bath split-level home located in Rutland City. This well-designed property features a large mudroom and a convenient first-floor primary suite complete with a full bathroom. One of the additional bedrooms or a space in the finished basement can easily be used as a home office, perfect for remote work or a quiet study area. The second level offers an open-concept layout with a generous living room, dining area, and kitchen, ideal for both everyday living and entertaining. Just a few steps up, you’ll find the remaining bedrooms along with an additional full bathroom. The finished basement adds even more versatility, featuring a kitchenette and a ¾ bath, great for guests, a playroom, hobby space, or home office setup. Outside, enjoy a fully fenced backyard that’s perfect for kids, pets, and outdoor gatherings.
This home features , 4 or 5 bedrooms, 3 bathrooms , formal dining room, living on the main level and a great family room upstairs which could be used as a master bedroom, nice woodwork throughout, great floor plan has a nice flow to it, very well kept up and so many updates , including fully weatherized top to bottom this past summer, Windows are new, upstairs has been painted 4 years ago and the carpet is also only 4 years old upstairs.Attic has been insulated and electrical outlets available, pretty much usable space if needed, Back porch has new railings. And there is even a partial treehouse in the back yard. and a newer shed. Fenced for your little ones and pets so they are safe, a nice porch in the front and another big porch in the back for outdoor relaxation, also there is an electric car charger in the driveway Garden has peach trees, a cherry tree, elderberries, hazelnuts, blueberries, raspberries, blackberries, red and black currant, boysenberry, grape, grape kiwi, etc . It's a wonderful house for a family, who wants to walk to the school, to downtown, and who want to harvest the Vermont summers’ fruits right from their back yard.
This beautiful four-bedroom, two-story Foursquare home offers a blend of historic charm and peace of mind. Featuring four large bedrooms, a formal dining room with original built-in shelves, a versatile first-floor office, a three-season porch and established perennial gardens. The property is designed for comfortable and practical living with a spacious, classical layout. Upgraded electrical, a rebuilt chimney with liner and mini-splits help to make this precious home safe, quietly modern and ready for your arrival.
Versatile and well-maintained property offering the rare opportunity to enjoy homeownership with built-in income. The main residence features a comfortable 2-bedroom, 1.5-bath layout, while two additional units—a 1-bedroom apartment and an efficiency studio—provide immediate rental income. Currently, the owner occupies the main unit, with the other two units leased, creating an ideal setup for a buyer looking to offset their mortgage from day one. Whether you continue this arrangement, adjust rents over time, or eventually transition the property to suit your needs, the flexibility here is a major advantage. The property has been well cared for and is already functioning smoothly as a multi-unit, making for an easy transition. Located in a residential neighborhood with convenient access to local amenities, schools, and outdoor recreation, this is a unique chance to own a home that works for you financially while still providing the comfort of a primary residence.
Tucked away on a quiet dead-end street in desirable Rutland Town, this charming Cape offers comfort, convenience, and classic character. Step inside to find beautiful hardwood floors and a spacious living room centered around a cozy fireplace, creating the perfect gathering space for family and friends. The formal dining room is ideal for entertaining, while the kitchen features a breakfast bar with seating and opens nicely to the dining area for easy everyday living. A convenient 3/4 bath completes the first floor. Upstairs, you'll find two comfortable bedrooms and a full bathroom. An attached garage provides direct access and additional storage, while the large, level backyard offers plenty of room for gardening, recreation, pets, or simply enjoying the outdoors. Located just minutes from downtown Rutland's shopping, dining, and amenities, as well as world-class outdoor recreation at Killington and Pico Ski Resorts, this home combines a peaceful neighborhood setting with easy access to everything the area has to offer.
Discover space, character, and modern convenience in this beautifully renovated and meticulously maintained Victorian farmhouse–style home. Offering 2,679 square feet of living space, this expansive two-story residence features five generously sized bedrooms and two full bathrooms, ideal for a variety of living arrangements. A welcoming entry foyer showcases the home’s original staircase and timeless charm. The spacious living and dining rooms are filled with natural light, creating a warm and inviting setting for everyday living and entertaining. At the center of the home is a thoughtfully updated kitchen (2022) featuring white cabinetry, solid-surface countertops, and stainless steel appliances. The main level also includes a bedroom, full bath, office, and an oversized mudroom with convenient rear entry. Upstairs, you’ll find four additional bedrooms, a full bath, a centrally located family room, and a second office, along with a separate second-floor entrance accessed by a covered exterior stairway—offering added flexibility. Recent improvements completed in 2022 include updated bathrooms, fresh interior paint, new carpeting, luxury vinyl plank flooring, and a new furnace with upgraded mechanicals. With low-maintenance vinyl siding, replacement windows, a dedicated Generac backup generator, and pride of ownership throughout, this home is truly move-in ready. Set on a pleasant, tree-lined street with ample off-street parking, the property offers easy access to local schools, shopping, dining, and community amenities, as well as year-round recreational opportunities just a short drive away, including the world-class Killington-Pico Resort. Combining generous space, thoughtful updates, and convenient Rutland City location, this home is a standout opportunity. Enjoy the virtual property tour with floor plan and photographs.
Motivated Sellers! Beautifully maintained and updated, this elegant 4-bedroom Victorian blends timeless character with modern efficiency in one of Vermont’s most charming small towns. Rich architectural details, gleaming hardwood floors, and a classic bay window create warm, inviting living spaces filled with natural light. The flexible floor plan offers exceptional versatility. The main level features an updated kitchen with light-filled pantry, formal dining room, spacious living room, full bath, private office, and a first-floor bedroom option-ideal for guests or one-level living. Upstairs, you’ll find three additional bedrooms, a walk-in closet and a second full bath. Efficiency and comfort are key highlights, with extensive insulation improvements including R-49 wall insulation, spray foam in the basement, blown-in attic insulation, replacement windows, updated electrical, newer boiler, and low-maintenance vinyl siding. Practical features include generous storage in the front and rear mudrooms, a heated one-car detached garage with shelving and newer roof, and a three-season porch overlooking the fully fenced backyard—perfect for relaxing, entertaining, or enjoying time with pets. Located in the historic marble town of Proctor, this home offers tree-lined streets, strong community spirit, local schools (K–12), and easy access to year-round recreation. Just a short drive to Pico and Killington for skiing and mountain biking, with nearby golf, walking trails, Otter Creek access, Olympus Pool plus seasonal in-line and ice skating in town. Convenient to Rutland’s regional amenities while maintaining true village charm. Move-in ready and offering flexibility, efficiency, and classic Vermont character-this is a rare opportunity in a sought-after community. Conditioned upon sellers finding suitable housing.
This move-in ready 3-bedroom, 2-bathroom home is set in a quiet, newer community just minutes from Rutland amenities, with extensive updates completed throughout 2025–2026. The stylish kitchen showcases freshly painted cabinetry, stainless steel appliances, a new hood and open shelving, and attractive countertops that seamlessly connect to the open living and dining areas. A breakfast bar adds casual seating and preserves the home’s airy, open feel. The lower level features new luxury vinyl plank flooring throughout, offering a modern and durable finish. All three bedrooms are generously sized, with ample closet space and abundant natural light. The main level includes a full bath with a new double-sink marble vanity, complemented by a second three-quarter bathroom upstairs. A versatile bonus room provides the perfect space for a home office, den, or creative retreat, and mini-split systems on each floor ensure efficient, year-round comfort. Outside, enjoy a newly paved driveway, a spacious crushed stone patio along the south side, raised garden beds within a fenced enclosure, and established perennial landscaping. Additional storage includes a storage room off the entry, garden shed, and full-house crawl space, making this thoughtfully updated home a low-maintenance option in a peaceful, well-located setting.
Welcome home to this beautifully renovated three-bedroom ranch nestled in a neighborhood setting. Thoughtfully updated throughout, this move-in ready home offers the perfect blend of comfort, style, and convenience. The inviting interior features a stunning spa-inspired bathroom, a well-appointed kitchen with elegant marble flooring, and the convenience of main-level laundry. Enjoy year-round comfort with a mini-split system providing efficient heating and cooling. Outdoor living is equally appealing with a welcoming covered front porch, spacious back deck ideal for entertaining or relaxing, and an insulated, attached garage for added convenience. A 14' x 10' shed with electricity offers excellent space for hobbies, storage, or a workshop. Set in a tree lined neighborhood suggesting a strong sense of community, this property delivers easy living in a location close to everyday amenities, local lakes and ski areas. Whether you're looking to downsize, purchase your first home, or simply enjoy one-level living, this beautifully updated ranch is ready to welcome you home.
© 2026 Northern New England Real Estate Network, Inc. All rights reserved. This information is deemed reliable but not guaranteed. The data relating to real estate for sale on this web site comes in part from the IDX Program of NNEREN. Subject to errors, omissions, prior sale, change or withdrawal without notice.
