4734 Saint Bernard Ave · New Orleans, LA 70112

$279,900

4 bd · 3.5 ba · 2,832 sqft · SingleFamily public records · 93 Days on market

Built 1979 6,534 sqft lot Est $433k · 35% under

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Why this score? — see what drove the B grade

The composite is a weighted blend of 9 inputs, each scored 0–100. Each bar is that input's sub-score; the figure is the points it added to the 100-point composite (weight × sub-score).

• Cash flow +25.5/30.0
• ARV discount +15.0/15.0
• DSCR +8.5/10.0
• 1% rule +7.5/10.0
• Appreciation +4.4/10.0
• Livability +4.0/5.0
• Rent growth +2.7/5.0
• Condition / age +2.5/5.0
• Schools +1.6/10.0

Listing remarks MLS

2 Story Large Stately style home Bayou Saint John area in the Bancroft Park Subdivision. This house boasts large marble foyer with formal dining room on your left and formal living room on your right which opens to the large size den, brick fireplace and the open style kitchen with plenty of cabinets space and nice size pantry. Also downstairs off the kitchen is a separate bedroom which measures about 22 x 13 with full bath and its on AC/Heat system. Upstairs features 4 bedroom with one bedroom and Master bedroom having access to the front balcony through French doors. Master has 2 separate walk-in closets and full bath. Just bring your personal touches to turn this diamond in the rough into your grand home. Call for your appointment today.

Key facts

• 6,534 sq ft lot
• 2 parking spots
• Built 1979

What this means for you Summary

Snapshot

• This is a 4-bed/3.5-bath single-family listed at $280k.

Deal economics

• At list price, monthly cash flow is $587 ($7k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($3k rent vs $280k).
• Recommended offer: $255k (9.0% below list) — sets the bar for market timing.
• Cap rate 9.1% vs local median 4.4% in New Orleans — top-decile yield for the area; either an underpriced asset or a hidden risk that comps aren't pricing in. Stress-test before assuming the spread holds.

Location & tenants

• Location reads 81/100 on livability (#3 in LA, #1,383 nationally) — a professional / high-income tenant draw. Strengths: amenities A+, commute A+, health & safety A+; Watch: crime C-, employment D.
• Orleans Parish (urban): math 11% / reading 27% proficiency, ranked #69 of 98 in LA (top 70%) — low school quality limits family demand, transient renter base, plan for 1-2y turnover; 68% free/reduced lunch — lower-income household profile, screen leases tightly.
• Market conditions: Rents flat; 83 active listings in the ZIP; 11 comparable units currently listed for rent nearby; rentals at typical pace (median 24d on market — plan ~3-4 weeks tenant-placement turnaround); 45% of comp listings sitting > 30 days — soft ceiling on asking rent; lower-income renter base — watch delinquency; 710 units permitted in Orleans Parish in 2024 (244 in 5+ unit buildings).
• At $3,491/mo this rent would consume 216% of the median local household income ($19k/yr) (locally 795% of renters already pay >50% of income on rent) — very limited rent-growth headroom before tenants either downsize or default.

Forward outlook

• Local home prices are declining (-1.2%/yr); year-one equity from $2k of loan paydown is wiped out by about $3k of value loss. Plan a longer hold.
• Orleans County population projected at +61% by 2050 — long-run rental-demand tailwind backs the buy-and-hold thesis.

Negotiation context

• It's been on market 93 days — a 9% lower offer ($255k) is reasonable based on typical stale-listing flexibility.
• 6 sale attempts since 28y ago; this cycle's ask has dropped $25k (8%) from the opening price — seller is motivated, your offer sets the floor, not the list.
• Current owner paid $143k; list at $280k implies a 96% gain — meaningful room to come down on a strong offer.

Risks & watch-outs

• Watch-outs: flood insurance adds $66/mo.
• Climate carrying-cost: severe flood risk; severe wind risk, 99% chance of damaging wind over 30y; extreme-heat days projected 7→21/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.

Recommended offer $254,709 (9.0% below list)

Questions for the listing agent

1. It's been on market 93 days. Have you received any prior offers? Is the seller open to a 9% concession, seller financing, or rate buy-down credit?
2. Built in 1979 — when were the roof, HVAC, electrical panel, plumbing, and water heater last replaced?
3. What's the actual annual flood-insurance premium (NFIP or private), and is the property in a SFHA with mandatory coverage?
4. Why hasn't it sold? Are there any deal-killer items the seller is aware of (foundation, flood, title, zoning, code violations)?
5. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
6. What's the average days-on-market for RENTAL listings here right now (not sales)? A rising rental-DOM trend means longer vacancies and softer asking-rent achievability than the comps imply.
7. What's the recent tenant-quality profile in this submarket — average credit score on applications, eviction rate, late-payment / NSF rate, and stable-employment percentage? A property-management company in the area should have these aggregated.
8. How much new for-sale + rental construction is in the pipeline within 1–3 miles? Heavy new supply typically softens prices + rents 12–24 months out; constrained supply supports both.

Investment metrics

• 1% rule: 1.25% ✓
• Cap rate: 9.09%
• Cash-on-cash: 10.01%
• DSCR: 1.45
• GRM: 6.7

CMA / ARV

• ARV (on-the-fly): $433,296
• Comps found: 12

Show comp detail 12 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
4734 Saint Bernard Ave	0.00mi	4/3.5	2,831 (-0%)	0mo	$250,000	$88	100
4726 Owens Blvd	0.05mi	4/2.5	3,100 (+10%)	1mo	$400,000	$129	77
4430 Saint Bernard Ave	0.17mi	5/3.5 (+1)	2,860 (+1%)	13mo	$167,400	$59	74
15 Park Island Dr	0.31mi	5/5.0 (+1)	2,925 (+3%)	7mo	$1,085,000	$371	64
1608 King Dr	0.55mi	4/3.0	2,651 (-6%)	2mo	$615,000	$232	60
1608 Charlton Dr	0.60mi	3/2.5 (-1)	2,865 (+1%)	1mo	$590,000	$206	60
1482 Granada Dr	0.39mi	4/3.0	2,445 (-14%)	0mo	$595,000	$243	57
9 Chatham Dr	0.75mi	4/3.0	2,851 (+1%)	8mo	$435,000	$153	56
1244 Gardena Dr	0.36mi	5/3.0 (+1)	2,470 (-13%)	0mo	$320,000	$130	54
1353 Crescent Dr	0.59mi	4/2.5	3,058 (+8%)	12mo	$290,000	$95	46
1239 Seville Dr	0.33mi	3/2.5 (-1)	2,416 (-15%)	8mo	$180,000	$75	45
1618 Charlton Dr	0.67mi	4/3.0	2,416 (-15%)	4mo	$612,000	$253	40

Match score weights: distance 35% · size 25% · config 20% · recency 20%. Top-matched comps best support the ARV.

Projected returns pro-forma

-1.18% appreciation · 0.95% rent growth · sell at horizon

5-year hold

• IRR: 2.2%
• Equity multiple: 1.09×
• Total profit: $7,237
• Equity at exit: $65,207

10-year hold

• IRR: 7.0%
• Equity multiple: 1.61×
• Total profit: $47,993
• Equity at exit: $66,483

Cash invested: $78,372 (down + closing). Projections, not guarantees.

Landlord ↔ Tenant lean methodology

• Overall (STATE): 90 Strongly Landlord-Friendly
• State Louisiana: 90 Strongly Landlord-Friendly · R+12
• County: — inherits STATE
• City: — inherits STATE

5-day notice; no state rent control; civil-law jurisdiction; landlord-favorable.

Methodology + full state rankings →

ZIP-level market 70112

• Home prices YoY: -0.8%
• Rents YoY: 0.9%
• Active inventory: 83
• Price-to-rent: 6.7×

Monthly cashflow live

• Estimated rent: $3,491 high
• Mortgage (P&I): −$1,468
• Tax from tax record: −$520 /mo · $6,238/yr
• Insurance: −$117
• Flood insurance flood zone: −$66 /mo · $798/yr
• HOA: −$0
• Vacancy / Maint / Mgmt: −$733
• Net cashflow: $587

Break-even live

Break-even rent $2,748

Max offer price $279,900

Occupancy floor 78%

UW: 25.0% down · 7.5% · 30yr · 1.5% tax · 5.0% vac · 8.0% maint · 8.0% mgmt

Financing live

Cash to close

• Down payment: $69,975
• Closing costs: $8,397
• Reserves months: —
• Total cash needed: —

Rent comps 11 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
4727 Saint Bernard Ave New Orleans, LA	3.0	2.0	2000	$2,000	$1.00	15d	1	0.06mi
9 Park Island Dr New Orleans, LA	3.0	3.0	3353	$8,500	$2.54	15d	1	0.29mi
5024 Paris Ave New Orleans, LA	4.0	3.0	2116	$3,000	$1.42	15d	1	0.56mi
5532 Saint Bernard Ave New Orleans, LA	4.0	4.0	2907	$5,000	$1.72	43d	1	0.61mi
1310 Allen Toussaint Blvd New Orleans, LA	5.0	3.0	2858	$3,150	$1.10	15d	1	1.06mi
6749 General Haig St New Orleans, LA	3.0	3.0	2650	$2,600	$0.98	43d	1	1.16mi
6817 General Haig St New Orleans, LA	3.0	2.5	2281	$3,200	$1.40	43d	1	1.19mi
5923 General Haig St New Orleans, LA	3.0	2.5	2057	$2,800	$1.36	43d	1	1.26mi
1901 Gentilly Blvd New Orleans, LA	3.0	2.5	2205	$4,000	$1.81	43d	1	1.27mi
958 Allen Toussaint Blvd New Orleans, LA	3.0	2.5	2200	$2,600	$1.18	23d	1	1.40mi
6369 Canal Blvd New Orleans, LA	3.0	2.0	2000	$2,600	$1.30	14d	1	1.47mi

Listing history 23 events

1. 2026-04-26
   status Pending 750-char remark

   Show marketing remark (750 chars)

   2 Story Large Stately style home Bayou Saint John area in the Bancroft Park Subdivision. This house boasts large marble foyer with formal dining room on your left and formal living room on your right which opens to the large size den, brick fireplace and the open style kitchen with plenty of cabinets space and nice size pantry. Also downstairs off the kitchen is a separate bedroom which measures about 22 x 13 with full bath and its on AC/Heat system. Upstairs features 4 bedroom with one bedroom and Master bedroom having access to the front balcony through French doors. Master has 2 separate walk-in closets and full bath. Just bring your personal touches to turn this diamond in the rough into your grand home. Call for your appointment today.

2. 2026-04-26
   status Pending

   Show marketing remark (750 chars)

   2 Story Large Stately style home Bayou Saint John area in the Bancroft Park Subdivision. This house boasts large marble foyer with formal dining room on your left and formal living room on your right which opens to the large size den, brick fireplace and the open style kitchen with plenty of cabinets space and nice size pantry. Also downstairs off the kitchen is a separate bedroom which measures about 22 x 13 with full bath and its on AC/Heat system. Upstairs features 4 bedroom with one bedroom and Master bedroom having access to the front balcony through French doors. Master has 2 separate walk-in closets and full bath. Just bring your personal touches to turn this diamond in the rough into your grand home. Call for your appointment today.

3. 2026-04-01
   price $279,900 750-char remark

   Show marketing remark (750 chars)

   2 Story Large Stately style home Bayou Saint John area in the Bancroft Park Subdivision. This house boasts large marble foyer with formal dining room on your left and formal living room on your right which opens to the large size den, brick fireplace and the open style kitchen with plenty of cabinets space and nice size pantry. Also downstairs off the kitchen is a separate bedroom which measures about 22 x 13 with full bath and its on AC/Heat system. Upstairs features 4 bedroom with one bedroom and Master bedroom having access to the front balcony through French doors. Master has 2 separate walk-in closets and full bath. Just bring your personal touches to turn this diamond in the rough into your grand home. Call for your appointment today.

4. 2026-04-01
   price $279,900

   Show marketing remark (750 chars)

   2 Story Large Stately style home Bayou Saint John area in the Bancroft Park Subdivision. This house boasts large marble foyer with formal dining room on your left and formal living room on your right which opens to the large size den, brick fireplace and the open style kitchen with plenty of cabinets space and nice size pantry. Also downstairs off the kitchen is a separate bedroom which measures about 22 x 13 with full bath and its on AC/Heat system. Upstairs features 4 bedroom with one bedroom and Master bedroom having access to the front balcony through French doors. Master has 2 separate walk-in closets and full bath. Just bring your personal touches to turn this diamond in the rough into your grand home. Call for your appointment today.

5. 2026-03-06
   price $284,900 750-char remark

   Show marketing remark (750 chars)

   2 Story Large Stately style home Bayou Saint John area in the Bancroft Park Subdivision. This house boasts large marble foyer with formal dining room on your left and formal living room on your right which opens to the large size den, brick fireplace and the open style kitchen with plenty of cabinets space and nice size pantry. Also downstairs off the kitchen is a separate bedroom which measures about 22 x 13 with full bath and its on AC/Heat system. Upstairs features 4 bedroom with one bedroom and Master bedroom having access to the front balcony through French doors. Master has 2 separate walk-in closets and full bath. Just bring your personal touches to turn this diamond in the rough into your grand home. Call for your appointment today.

6. 2026-03-06
   price $284,900

   Show marketing remark (750 chars)

   2 Story Large Stately style home Bayou Saint John area in the Bancroft Park Subdivision. This house boasts large marble foyer with formal dining room on your left and formal living room on your right which opens to the large size den, brick fireplace and the open style kitchen with plenty of cabinets space and nice size pantry. Also downstairs off the kitchen is a separate bedroom which measures about 22 x 13 with full bath and its on AC/Heat system. Upstairs features 4 bedroom with one bedroom and Master bedroom having access to the front balcony through French doors. Master has 2 separate walk-in closets and full bath. Just bring your personal touches to turn this diamond in the rough into your grand home. Call for your appointment today.

7. 2026-03-06
   price $289,900 750-char remark

   Show marketing remark (750 chars)

   2 Story Large Stately style home Bayou Saint John area in the Bancroft Park Subdivision. This house boasts large marble foyer with formal dining room on your left and formal living room on your right which opens to the large size den, brick fireplace and the open style kitchen with plenty of cabinets space and nice size pantry. Also downstairs off the kitchen is a separate bedroom which measures about 22 x 13 with full bath and its on AC/Heat system. Upstairs features 4 bedroom with one bedroom and Master bedroom having access to the front balcony through French doors. Master has 2 separate walk-in closets and full bath. Just bring your personal touches to turn this diamond in the rough into your grand home. Call for your appointment today.

8. 2026-03-06
   price $289,900

   Show marketing remark (750 chars)

   2 Story Large Stately style home Bayou Saint John area in the Bancroft Park Subdivision. This house boasts large marble foyer with formal dining room on your left and formal living room on your right which opens to the large size den, brick fireplace and the open style kitchen with plenty of cabinets space and nice size pantry. Also downstairs off the kitchen is a separate bedroom which measures about 22 x 13 with full bath and its on AC/Heat system. Upstairs features 4 bedroom with one bedroom and Master bedroom having access to the front balcony through French doors. Master has 2 separate walk-in closets and full bath. Just bring your personal touches to turn this diamond in the rough into your grand home. Call for your appointment today.

9. 2026-03-05
   price $389,900 750-char remark

   Show marketing remark (750 chars)

   2 Story Large Stately style home Bayou Saint John area in the Bancroft Park Subdivision. This house boasts large marble foyer with formal dining room on your left and formal living room on your right which opens to the large size den, brick fireplace and the open style kitchen with plenty of cabinets space and nice size pantry. Also downstairs off the kitchen is a separate bedroom which measures about 22 x 13 with full bath and its on AC/Heat system. Upstairs features 4 bedroom with one bedroom and Master bedroom having access to the front balcony through French doors. Master has 2 separate walk-in closets and full bath. Just bring your personal touches to turn this diamond in the rough into your grand home. Call for your appointment today.

10. 2026-03-05
    price $389,900

    Show marketing remark (750 chars)

    2 Story Large Stately style home Bayou Saint John area in the Bancroft Park Subdivision. This house boasts large marble foyer with formal dining room on your left and formal living room on your right which opens to the large size den, brick fireplace and the open style kitchen with plenty of cabinets space and nice size pantry. Also downstairs off the kitchen is a separate bedroom which measures about 22 x 13 with full bath and its on AC/Heat system. Upstairs features 4 bedroom with one bedroom and Master bedroom having access to the front balcony through French doors. Master has 2 separate walk-in closets and full bath. Just bring your personal touches to turn this diamond in the rough into your grand home. Call for your appointment today.

11. 2026-01-23
    listed $304,900 Active 750-char remark

    Show marketing remark (750 chars)

    2 Story Large Stately style home Bayou Saint John area in the Bancroft Park Subdivision. This house boasts large marble foyer with formal dining room on your left and formal living room on your right which opens to the large size den, brick fireplace and the open style kitchen with plenty of cabinets space and nice size pantry. Also downstairs off the kitchen is a separate bedroom which measures about 22 x 13 with full bath and its on AC/Heat system. Upstairs features 4 bedroom with one bedroom and Master bedroom having access to the front balcony through French doors. Master has 2 separate walk-in closets and full bath. Just bring your personal touches to turn this diamond in the rough into your grand home. Call for your appointment today.

12. 2026-01-23
    listed $304,900 Active

    Show marketing remark (750 chars)

    2 Story Large Stately style home Bayou Saint John area in the Bancroft Park Subdivision. This house boasts large marble foyer with formal dining room on your left and formal living room on your right which opens to the large size den, brick fireplace and the open style kitchen with plenty of cabinets space and nice size pantry. Also downstairs off the kitchen is a separate bedroom which measures about 22 x 13 with full bath and its on AC/Heat system. Upstairs features 4 bedroom with one bedroom and Master bedroom having access to the front balcony through French doors. Master has 2 separate walk-in closets and full bath. Just bring your personal touches to turn this diamond in the rough into your grand home. Call for your appointment today.

13. 2025-03-17
    price $340,000
14. 2025-03-17
    price $340,000
15. 2024-12-19
    price $324,000
16. 2024-12-19
    price $324,000
17. 2024-08-14
    price $399,999
18. 2024-07-10
    listed $399,999 Active
19. 2023-06-09
    listed $419,999
20. 2001-01-16
    soldstatus $143,000
21. 2001-01-16
    soldstatus $143,000
22. 1998-07-27
    listed $136,000
23. 1998-07-27
    listed $136,000

ⓘ Source: listings_history table (triggers on properties + properties_extension) + one-shot backfill from property_details.listing_events for pre-trigger history.

Tax reassessment forecast LA · Resets to sale price

• Current annual tax: $6,238 · $520/mo
• Projected year-2 tax: $6,238 · $520/mo
• Expected delta: $0/yr ($0/mo · 0.0%)

ⓘ Screening estimate from a state-policy table — verify with the county assessor before closing.

Climate risk First Street

• 🌊 Flood 8/10 Severe FEMA zone X (shaded) · 60% chance over 30 yrs
• 🔥 Wildfire 1/10 Low
• 🌡 Heat 10/10 Extreme 7 d/yr ≥108°F today · 21 d/yr by 30 yrs out
• 💨 Wind 10/10 Extreme 99% chance of damaging wind over 30 yrs
• 🫁 Air quality 4/10 Moderate 4 unhealthy d/yr today · 4 by 30 yrs out

Taxation est. · year 1

• Rental income: $41,889
• − Mortgage interest: −$15,679
• − Property taxes: −$6,238
• − Insurance: −$2,197
• − Repairs & maintenance: −$3,351
• − Management: −$3,351
• − Depreciation: −$8,143
• Taxable income: $2,931
• Est. tax owed @ 24.0%: −$703
• After-tax cash flow: $6,341/yr

For passive investors: Depreciation is non-cash, so a rental often shows a tax loss while cash-flowing — sheltering income. Rental losses are passive: they offset passive income freely, and up to $25,000/yr can offset ordinary (W-2) income if you actively participate and your MAGI is under $100k (phasing out to $0 by $150k); unused losses carry forward. On sale, claimed depreciation is recaptured at up to 25%, and gains may owe capital-gains tax (a 1031 exchange can defer both). Figures are a year-1 estimate at your 24.0% rate — not tax advice; consult a CPA.

Schools (NCES district)

• District: Orleans Parish
• NCES district ID: 2201170
• Math proficiency: 11% ▼ -52.00%
• Reading proficiency: 27% ▼ -46.00%
• Median HH income: $37,011
• Composite: 15.78/100
• National rank: #9271
• State rank: #69 of 98 in LA

Livability — New Orleans

• Score: 81/100
• State rank: #3
• US rank: #1383

Category grades

Amenities A+ Commute A+ Cost of living B+ Crime C- Employment D Housing B- Health & safety A+ User ratings D-

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: New Orleans, LA
• County: Orleans Parish · 338,817 people
• City population: 338,817
• Metro: New Orleans-Metairie, LA
• Population (ZIP): 3,490
• Household income: $19,395
• Rent vs Own: 90.7% rent · 9.3% own
• Severe rent burden: 795.0

Population outlook (Orleans County) Hauer SSP2

• Today (2025): 513,025 people
• By 2030: 575,781 · +12.2%
• By 2040: 700,174 · +36.5%
• By 2050: 826,541 · +61.1%
• By 2075: 1,123,374 · +119.0%
• By 2100: 1,355,609 · +164.2%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Diverse neighborhood (Simpson 0.65)
• Race & ethnicity: Black 48% White 32% Asian 9% Hispanic / Latino 6% Two or more races 5%
• Hispanic origin (detail): Mexican 1%
• Common ancestry: Lithuanian 7% Serbian 2% Romanian 1%
• Foreign-born: 12% · China, Canada
• Languages at home: 87% English-only · Spanish 4% Other Indo-European 3% Chinese 3%

Political lean MEDSL · Orleans

• 2024 margin: Solid D (+67.0) · D 82.2% · R 15.2% · Other 2.7%
• 2008→2024 swing: +6.7pp toward D · 2008: 60.3pp · 2024: 67.0pp
• All cycles: 2024: D+67.0 2020: D+68.2 2016: D+66.2 2012: D+62.5 2008: D+60.3

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▼ -1.18%
• Current HPI: 149.1655
• Rent YoY: ▲ 0.95%
• Metro: New Orleans-Metairie, LA
• State GDP YoY: ▲ 3.29%
• F500 in state: 10

Industry mix (Fortune 500 HQ in LA)

Industry	F500 HQs	Revenue
▸Telecommunications	2	$23B
▸Utilities	1	$12B
▸Wholesale / Distribution	1	$5B
▸Advertising	1	$2B

Price history

+105.8% since first listed

23 events — show timeline

• 2026-04-26 Pending — AcadianaMLS
• 2026-04-26 Pending — GSREIN
• 2026-04-01 Price Changed $279,900 AcadianaMLS
• 2026-04-01 Price Changed $279,900 GSREIN
• 2026-03-06 Price Changed $284,900 AcadianaMLS
• 2026-03-06 Price Changed $284,900 GSREIN
• 2026-03-06 Price Changed $289,900 AcadianaMLS
• 2026-03-06 Price Changed $289,900 GSREIN
• 2026-03-05 Price Changed $389,900 AcadianaMLS
• 2026-03-05 Price Changed $389,900 GSREIN
• 2026-01-23 Listed $304,900 GSREIN
• 2026-01-23 Listed $304,900 AcadianaMLS
• 2025-03-17 Price Changed $340,000 AcadianaMLS
• 2025-03-17 Price Changed $340,000 GSREIN
• 2024-12-19 Price Changed $324,000 AcadianaMLS
• 2024-12-19 Price Changed $324,000 GSREIN
• 2024-08-14 Price Changed $399,999 GSREIN
• 2024-07-10 Listed $399,999 AcadianaMLS
• 2023-06-09 Listed $419,999 AcadianaMLS
• 2001-01-16 Sold (Public Records) $143,000 Public Records
• 2001-01-16 Sold (MLS) $143,000 GSREIN
• 1998-07-27 Listed $136,000 AcadianaMLS
• 1998-07-27 Listed $136,000 GSREIN

Property tax history

+10.9%/yr

Latest (2026): $6,238 · +1.1% YoY. Source: county tax records.