324 S Claymont St · Wilmington, DE 19801

$164,000

3 bd · 1.0 ba · 1,325 sqft · Townhouse public records · 71 Days on market

Built 1890 1,742 sqft lot $124/sqft · at area comps Est $156k · at est.

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Why this score? — see what drove the C+ 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 +28.8/30.0
• DSCR +10.0/10.0
• 1% rule +6.8/10.0
• ARV discount +5.3/15.0
• Livability +3.2/5.0
• Rent growth +2.9/5.0
• Schools +2.5/10.0
• Condition / age +2.5/5.0
• Appreciation +0.0/10.0

Listing remarks MLS

Seller is offering $5,000 IN SETTLEMENT ASSISTANCE. Modern Living Meets Riverfront Convenience Welcome to 324 S Claymont St, a stunningly reimagined residence where modern style meets urban convenience. This 3-bedroom, 1-bathroom home has been meticulously renovated with a commitment to quality, offering a "turn-key" lifestyle in the heart of the City of Wilmington. The Living Area: Features durable luxury plank flooring and a crisp, modern color palette. Open Concept Dining: The living space flows effortlessly into a spacious dining area, perfect for hosting dinner parties or intimate gatherings. Newly Renovated Kitchen: A true centerpiece featuring sleek white cabinetry, gorgeous countertops, and a full suite of brand-new appliances. The Upper Level: Rest & Refresh The second floor serves as a quiet retreat with three well-appointed bedrooms. Comfort Underfoot: Brand-new carpeting and fresh paint in every room. The Bathroom: A sparkling, newly updated sanctuary featuring modern fixtures and a full-sized bathtub/shower combo. Outdoor Living & Location Private Backyard: Step outside to a rear yard ideal for weekend barbecues, gardening, or a secure space for pets. Unbeatable Location: Enjoy a high-energy lifestyle with incredible walkability. You are steps away from: The Riverfront & Business District Local Breweries & Trendy Restaurants Major Commuter Routes: Instant access to Rt 202 and I-95. Nightlife & Shopping: The best of Wilmington is right at your doorstep. Schedule your private tour today and experience this renovation first-hand!

Key facts

• Private backyard
• Unbeatable location
• Built 1890

Tags

• RIVERFRONT CONVENIENCE
• NEWLY RENOVATED KITCHEN
• PRIVATE BACKYARD
• UNBEATABLE LOCATION
• MAJOR COMMUTER ROUTES

What this means for you Summary

Snapshot

• This is a 3-bed/1.0-bath townhouse listed at $164k.

Deal economics

• At list price, monthly cash flow is $89 ($1k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($2k rent vs $164k).
• Recommended offer: $154k (6.0% below list) — sets the bar for market timing.
• Cap rate 10.3% vs local median 5.7% in Wilmington — 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 64/100 on livability (#52 in DE) — a middle-class / working-renter tenant base. Strengths: cost of living A+, housing A; Watch: employment D+, commute D, crime F.
• Christina School District (suburban): math 22% / reading 33% proficiency, ranked #18 of 26 in DE (top 69%) — low school quality limits family demand, transient renter base, plan for 1-2y turnover.
• Zoned schools: The Bayard School (math 3% / reading 10%, grade F, #102 of 105 statewide, top 97%, 508 students, 0% FRL); Newark High School (math 27% / reading 42%, grade F, #18 of 40 statewide, top 49%, 1,105 students, 0% FRL) — zoned schools average 0% FRL vs 50% district-wide (50 pts lower); this property's tenant base skews higher-income than the district average.
• Market conditions: Rents rising (+1.6%/yr); 75 active listings in the ZIP; 40 comparable units currently listed for rent nearby; rentals at typical pace (median 21d on market — plan ~3-4 weeks tenant-placement turnaround); 1,367 units permitted in New Castle County in 2024 (201 in 5+ unit buildings).
• This rent runs 44% of the median local income ($53k/yr) — at the standard rent-burdened threshold; future hikes will face affordability resistance.

Forward outlook

• Local home prices are declining (-3.0%/yr); year-one equity from $1k of loan paydown is wiped out by about $5k of value loss. Plan a longer hold.
• New Castle County population projected at +9% by 2050 — modest demand growth; plan on rents tracking national, not racing it.

Negotiation context

• It's been on market 71 days — a 6% lower offer ($154k) is reasonable based on typical stale-listing flexibility.
• 3 sale attempts since 11y ago; this cycle's ask has dropped $10k (6%) from the opening price — seller is motivated, your offer sets the floor, not the list.
• Current owner paid $20k; list at $164k implies a 720% gain — meaningful room to come down on a strong offer.

Risks & watch-outs

• Watch-outs: flood insurance adds $460/mo; built in 1890 — expect roof / HVAC / electrical / plumbing capex.
• Climate carrying-cost: in FEMA flood zone AE (mandatory federal flood insurance); major wind risk, 27% chance of damaging wind over 30y; extreme-heat days projected 7→16/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.

Recommended offer $154,160 (6.0% below list)

Questions for the listing agent

1. It's been on market 71 days. Have you received any prior offers? Is the seller open to a 6% concession, seller financing, or rate buy-down credit?
2. Built in 1890 — 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. Schools are D-rated, which usually means shorter tenancies and higher turnover. Who's the typical renter profile here, and what's been the actual vacancy rate?
7. Crime grade is F in this area — have there been break-ins, vandalism, or insurance claims at this property in the last 3 years? What carrier currently insures it and at what premium?
8. 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.
9. 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.
10. 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: 1.18% ✓
• Cap rate: 10.32%
• Cash-on-cash: 14.37%
• DSCR: 1.64
• GRM: 7.1

CMA / ARV

• ARV (median comp): $156,319
• List price: $164,000
• Delta: 4.91%
• Verdict: FAIR
• Comps: 20 within 1.0 mi

Show comp detail 12 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
434 S Heald St	0.12mi	3/2.0	1,350 (+2%)	0mo	$92,500	$69	87
423 New Castle Ave	0.11mi	3/1.0	1,348 (+2%)	7mo	$124,000	$92	86
310 S Claymont St	0.03mi	3/1.0	1,250 (-6%)	5mo	$170,000	$136	85
326 New Castle Ave	0.07mi	3/1.5	1,225 (-8%)	6mo	$150,000	$122	78
602 Townsend St	0.24mi	3/1.0	1,150 (-13%)	0mo	$219,900	$191	66
426 S Heald St	0.12mi	4/3.5 (+1)	1,475 (+11%)	2mo	$236,000	$160	59
408 S Claymont St	0.06mi	4/3.5 (+1)	1,500 (+13%)	2mo	$240,000	$160	59
501 E 5th St	0.66mi	4/2.5 (+1)	1,325 (0%)	0mo	$236,000	$178	58
706 Bennett St	0.66mi	4/1.5 (+1)	1,325 (0%)	9mo	$135,000	$102	55
836 Bennett St	0.74mi	3/1.5	1,450 (+9%)	1mo	$229,900	$159	47
835 Bennett St	0.75mi	3/1.5	1,450 (+9%)	4mo	$232,500	$160	44
910 E Twenty Seventh St	0.60mi	4/2.5 (+1)	1,225 (-8%)	8mo	$245,000	$200	42

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

Projected returns pro-forma

-3.0% appreciation · 1.59% rent growth · sell at horizon

5-year hold

• IRR: -14.4%
• Equity multiple: 0.49×
• Total profit: $-23,368
• Equity at exit: $24,453

10-year hold

• IRR: -8.6%
• Equity multiple: 0.50×
• Total profit: $-22,915
• Equity at exit: $14,180

Cash invested: $45,920 (down + closing). Projections, not guarantees.

Landlord ↔ Tenant lean methodology

• Overall (STATE): 70 Landlord-Friendly
• State Delaware: 70 Landlord-Friendly · D+7
• County: — inherits STATE
• City: — inherits STATE

Court of Common Pleas hears L&T; moderate-paced. No state rent control.

Methodology + full state rankings →

ZIP-level market 19801

• Rents YoY: 1.6%
• Active inventory: 75
• Price-to-rent: 7.1×

Monthly cashflow live

• Estimated rent: $1,929 high
• Mortgage (P&I): −$860
• Tax from tax record: −$46 /mo · $549/yr
• Insurance: −$68
• Flood insurance flood zone: −$460 /mo · $5,525/yr
• HOA: −$0
• Vacancy / Maint / Mgmt: −$405
• Net cashflow: $89

Break-even live

Break-even rent $1,816

Max offer price $164,000

Occupancy floor 90%

Sensitivity live

Price	-10% $182	-5% $136	+0% $89	+5% $43	+10% $-3
Rent	-10% $-63	-5% $13	+0% $89	+5% $166	+10% $242
Rate	-1.0pp $172	-0.5pp $131	base $89	+0.5pp $47	+1.0pp $4

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: $41,000
• Closing costs: $4,920
• Reserves months: —
• Total cash needed: —

Rent comps 40 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
606 S Claymont St Wilmington, DE	2.0	1.0	1000	$1,399	$1.40	20d	1	0.23mi
606 S Claymont St Wilmington, DE	2.0	1.0	1000	$1,399	$1.40	18d	1	0.23mi
401 A St Wilmington, DE	2.0	1.0–2.0	716	$2,605	$3.64	0d	12	0.49mi
115 Christina Landing Dr Wilmington, DE	1.0–2.0	1.0–2.0	1195	$2,796	$2.34	0d	11	0.78mi
105 Christina Landing Dr #1105 Wilmington, DE	2.0	2.0	1150	$2,500	$2.17	45d	1	0.80mi
105 Christina Landing Dr #1503 Wilmington, DE	2.0	2.0	1025	$2,500	$2.44	18d	1	0.80mi
105 Christina Landing Dr Wilmington, DE	2.0	2.0	1025	$2,400	$2.34	12d	1	0.80mi
928 Kirkwood St Wilmington, DE	3.0	1.5	1150	$1,700	$1.48	19d	1	0.86mi
1004 N Spruce St Wilmington, DE	3.0	1.5	1075	$1,800	$1.67	20d	1	0.88mi
1026 Bennett St Wilmington, DE	3.0	1.0	1125	$1,685	$1.50	0d	1	0.89mi
605 E 10th St Wilmington, DE	3.0	1.0	1200	$1,850	$1.54	26d	1	0.90mi
517 N Shipley St Wilmington, DE	2.0	1.0–2.0	822	$2,670	$3.25	0d	15	1.00mi
518 E 12th St Wilmington, DE	2.0	1.0	875	$1,425	$1.63	22d	1	1.03mi
225 W 4th St Unit 2 Wilmington, DE	2.0	1.0	1000	$1,599	$1.60	45d	1	1.03mi
801 N Market St Unit 207 Wilmington, DE	2.0	2.0	1239	$1,895	$1.53	7d	1	1.05mi
1124 Clifford Brown Walk Wilmington, DE	2.0	1.0	1240	$1,625	$1.31	45d	1	1.06mi
703 Orange St Wilmington, DE	1.0–2.0	1.0	800	$1,475	$1.84	45d	1	1.07mi
530 Harlan Blvd #519 Wilmington, DE	2.0	2.0	1192	$2,250	$1.89	26d	1	1.09mi
116 W 9th St Wilmington, DE	1.0–2.0	1.0–2.0	813	$2,270	$2.79	0d	17	1.12mi
913 N Market St Wilmington, DE	1.0–2.0	1.0–2.0	974	$1,985	$2.04	45d	5	1.12mi
801 N Orange St Wilmington, DE	3.0	1.0–3.0	1118	$3,991	$3.57	0d	115	1.13mi
331 Justison St Wilmington, DE	1.0–2.0	1.0–2.0	859	$2,205	$2.57	0d	9	1.13mi
212 W 9th St Unit 204 Wilmington, DE	2.0	2.0	1671	$1,745	$1.04	7d	1	1.16mi
212 W 9th St Unit 204 Wilmington, DE	2.0	2.0	1671	$1,795	$1.07	45d	1	1.16mi
507 W 4th St Wilmington, DE	3.0	1.5	1075	$1,800	$1.67	14d	1	1.17mi
228 W 9th St Unit 201 Wilmington, DE	2.0	2.0	1031	$1,695	$1.64	46d	1	1.18mi
839 N Tatnall St Unit 101 Wilmington, DE	2.0	2.0	1211	$1,750	$1.45	7d	1	1.19mi
918 E 17th St Unit 1 Wilmington, DE	3.0	1.0	1100	$1,795	$1.63	0d	1	1.20mi
1001 N Orange St Wilmington, DE	1.0–2.0	1.0–2.0	833	$2,135	$2.56	0d	61	1.22mi
1217 N King St Wilmington, DE	3.0	1.5	1300	$2,145	$1.65	20d	1	1.24mi
617 W 6th St Unit 617 B Wilmington, DE	3.0	1.0	1000	$1,600	$1.60	7d	1	1.27mi
709 Windsor St Unit 3 Wilmington, DE	2.0	1.0	980	$1,500	$1.53	45d	1	1.30mi
711 Windsor St Wilmington, DE	2.0	1.0	980	$1,460	$1.49	45d	1	1.30mi
107 W 13th St Wilmington, DE	3.0	1.5	1325	$1,895	$1.43	45d	1	1.35mi
820 W 7th St Wilmington, DE	3.0	1.0	1000	$1,650	$1.65	45d	1	1.41mi
613 W 10th St Wilmington, DE	2.0	1.0	1100	$1,745	$1.59	45d	1	1.43mi
205 Porter St Wilmington, DE	2.0	1.5	1200	$1,700	$1.42	17d	1	1.43mi
1029 Lancaster Ave Wilmington, DE	4.0	1.5	1375	$1,900	$1.38	26d	1	1.46mi
25 Stroud St Wilmington, DE	3.0	1.0	1200	$1,795	$1.50	5d	1	1.47mi
21 Stroud St Unit 1 Wilmington, DE	3.0	1.5	1875	$1,900	$1.01	45d	1	1.48mi

Listing history 22 events

1. 2026-06-21
   days on market $164,000 Active 71 DOM
2. 2026-06-18
   days on market $164,000 Active 68 DOM
3. 2026-06-17
   price $164,000 Active 67 DOM
4. 2026-06-17
   days on market $168,000 Active 67 DOM
5. 2026-06-16
   days on market $168,000 Active 66 DOM
6. 2026-06-15
   days on market $168,000 Active 65 DOM
7. 2026-06-13
   days on market $168,000 Active 63 DOM
8. 2026-06-13
   days on market $168,000 Active 62 DOM
9. 2026-06-09
   days on market $168,000 Active 59 DOM
10. 2026-06-08
    days on market $168,000 Active 58 DOM
11. 2026-06-07
    statusdays on market $168,000 Active 57 DOM
12. 2026-06-02
    statusdays on market $168,000 Active Under Contract 54 DOM
13. 2026-06-01
    days on market $168,000 Active 53 DOM
14. 2026-05-31
    days on market $168,000 Active 52 DOM
15. 2026-04-28
    price $168,000 1605-char remark

    Show marketing remark (1605 chars)

    Seller is offering $5,000 IN SETTLEMENT ASSISTANCE. Modern Living Meets Riverfront Convenience Welcome to 324 S Claymont St, a stunningly reimagined residence where modern style meets urban convenience. This 3-bedroom, 1-bathroom home has been meticulously renovated with a commitment to quality, offering a "turn-key" lifestyle in the heart of the City of Wilmington. The Living Area: Features durable luxury plank flooring and a crisp, modern color palette. Open Concept Dining: The living space flows effortlessly into a spacious dining area, perfect for hosting dinner parties or intimate gatherings. Newly Renovated Kitchen: A true centerpiece featuring sleek white cabinetry, gorgeous countertops, and a full suite of brand-new appliances. The Upper Level: Rest & Refresh The second floor serves as a quiet retreat with three well-appointed bedrooms. Comfort Underfoot: Brand-new carpeting and fresh paint in every room. The Bathroom: A sparkling, newly updated sanctuary featuring modern fixtures and a full-sized bathtub/shower combo. Outdoor Living & Location Private Backyard: Step outside to a rear yard ideal for weekend barbecues, gardening, or a secure space for pets. Unbeatable Location: Enjoy a high-energy lifestyle with incredible walkability. You are steps away from: The Riverfront & Business District Local Breweries & Trendy Restaurants Major Commuter Routes: Instant access to Rt 202 and I-95. Nightlife & Shopping: The best of Wilmington is right at your doorstep. Schedule your private tour today and experience this renovation first-hand!

16. 2026-04-09
    listed $174,000 Active 1605-char remark

    Show marketing remark (1605 chars)

    Seller is offering $5,000 IN SETTLEMENT ASSISTANCE. Modern Living Meets Riverfront Convenience Welcome to 324 S Claymont St, a stunningly reimagined residence where modern style meets urban convenience. This 3-bedroom, 1-bathroom home has been meticulously renovated with a commitment to quality, offering a "turn-key" lifestyle in the heart of the City of Wilmington. The Living Area: Features durable luxury plank flooring and a crisp, modern color palette. Open Concept Dining: The living space flows effortlessly into a spacious dining area, perfect for hosting dinner parties or intimate gatherings. Newly Renovated Kitchen: A true centerpiece featuring sleek white cabinetry, gorgeous countertops, and a full suite of brand-new appliances. The Upper Level: Rest & Refresh The second floor serves as a quiet retreat with three well-appointed bedrooms. Comfort Underfoot: Brand-new carpeting and fresh paint in every room. The Bathroom: A sparkling, newly updated sanctuary featuring modern fixtures and a full-sized bathtub/shower combo. Outdoor Living & Location Private Backyard: Step outside to a rear yard ideal for weekend barbecues, gardening, or a secure space for pets. Unbeatable Location: Enjoy a high-energy lifestyle with incredible walkability. You are steps away from: The Riverfront & Business District Local Breweries & Trendy Restaurants Major Commuter Routes: Instant access to Rt 202 and I-95. Nightlife & Shopping: The best of Wilmington is right at your doorstep. Schedule your private tour today and experience this renovation first-hand!

17. 2016-05-12
    historical
18. 2016-02-19
    listed $49,900
19. 2015-09-07
    soldstatus $20,000 Sold
20. 2015-09-04
    status Under Contract
21. 2015-09-04
    soldstatus $20,000
22. 2015-08-22
    listed $30,000 Active

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

Tax reassessment forecast DE · Partial reset (capped growth)

• Current annual tax: $549 · $46/mo
• Projected year-2 tax: $750 · $63/mo
• Expected delta: +$201/yr (+$17/mo · 36.6%)

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

Climate risk First Street

• 🌊 Flood 8/10 Severe FEMA zone AE · 95% chance over 30 yrs
• 🔥 Wildfire 1/10 Low
• 🌡 Heat 8/10 Severe 7 d/yr ≥102°F today · 16 d/yr by 30 yrs out
• 💨 Wind 6/10 Major 27% chance of damaging wind over 30 yrs
• 🫁 Air quality 3/10 Moderate 3 unhealthy d/yr today · 5 by 30 yrs out

Taxation est. · year 1

• Rental income: $23,148
• − Mortgage interest: −$9,187
• − Property taxes: −$549
• − Insurance: −$6,345
• − Repairs & maintenance: −$1,852
• − Management: −$1,852
• − Depreciation: −$4,771
• Taxable loss: −$1,407
• Est. tax savings @ 24.0%: +$338
• After-tax cash flow: $1,410/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: Christina School District
• NCES district ID: 1000200
• Math proficiency: 22% ▼ -12.00%
• Reading proficiency: 33% ▼ -5.00%
• Median HH income: $58,838
• Composite: 24.93/100
• National rank: #7567
• State rank: #18 of 26 in DE

Livability — Wilmington

• Score: 64/100
• State rank: #52
• US rank: #14251

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: Wilmington, DE
• County: New Castle County · 483,412 people
• City population: 173,480
• Metro: Philadelphia-Camden-Wilmington, PA-NJ-DE-MD
• Population (ZIP): 16,327
• Household income: $52,810
• Rent vs Own: 69.4% rent · 30.6% own
• Severe rent burden: 919.0

Population outlook (New Castle County) Hauer SSP2

• Today (2025): 594,686 people
• By 2030: 609,164 · +2.4%
• By 2040: 632,154 · +6.3%
• By 2050: 649,068 · +9.1%
• By 2075: 687,771 · +15.7%
• By 2100: 694,961 · +16.9%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Predominantly Black (67%)
• Race & ethnicity: Black 67% White 15% Hispanic / Latino 9% Two or more races 7% Asian 4%
• Hispanic origin (detail): Mexican 3% Puerto Rican 4%
• Common ancestry: Romanian 1% Slovak 1% Italian 1%
• Foreign-born: 9% · Canada, China, Vietnam
• Languages at home: 87% English-only · Spanish 7% Other Indo-European 2% Chinese 1%

Political lean MEDSL · New Castle

• 2024 margin: Solid D (+32.6) · D 65.5% · R 32.9% · Other 1.6%
• 2008→2024 swing: -8.1pp toward R · 2008: 40.6pp · 2024: 32.6pp
• All cycles: 2024: D+32.6 2020: D+37.1 2016: D+29.6 2012: D+34.1 2008: D+40.6

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▼ -112.65%
• Current HPI: 151.1288
• Rent YoY: ▲ 1.59%
• Metro: Philadelphia-Camden-Wilmington, PA-NJ-DE-MD
• State GDP YoY: —
• F500 in state: 0

Price history

+460.0% since first listed

8 events — show timeline

• 2026-04-28 Price Changed $168,000 BRIGHT MLS
• 2026-04-09 Listed $174,000 BRIGHT MLS
• 2016-05-12 Listing Removed — BRIGHT MLS
• 2016-02-19 Listed $49,900 BRIGHT MLS
• 2015-09-07 Sold (MLS) $20,000 TREND
• 2015-09-04 Pending — TREND
• 2015-09-04 Sold (Public Records) $20,000 Public Records
• 2015-08-22 Listed $30,000 TREND

Property tax history

+3.9%/yr

Latest (2024): $549 · +2.6% YoY. Source: county tax records.