9+ Richmond County NC Property Search Tools & Listings


9+ Richmond County NC Property Search Tools & Listings

Finding actual property in Richmond County, North Carolina, includes accessing on-line databases and assets that compile property info, together with possession particulars, tax assessments, and gross sales historical past. These assets usually present superior search functionalities, permitting customers to filter outcomes based mostly on standards similar to property sort, location, worth vary, and acreage.

Entry to complete property information empowers potential consumers, sellers, and traders to make knowledgeable selections. Historic information gives beneficial insights into market traits, whereas present listings provide a real-time view of obtainable properties. This transparency promotes honest market practices and facilitates environment friendly transactions throughout the native actual property market. The supply of such assets additionally streamlines the property analysis course of, saving appreciable effort and time for all events concerned.

The next sections will discover numerous points of the Richmond County, North Carolina, actual property panorama, together with accessible on-line analysis instruments, current market traits, and beneficial suggestions for navigating the property search course of.

1. On-line Databases

On-line databases function the first gateway for conducting property searches in Richmond County, NC. These digital repositories consolidate huge quantities of data relating to properties throughout the county, together with possession particulars, tax assessments, gross sales historical past, and present listings. This centralized entry eliminates the necessity for time-consuming handbook searches throughout disparate sources, similar to bodily county information or particular person actual property brokerage web sites. For example, the Richmond County Tax Division’s web site seemingly gives a web based database accessible to the general public, enabling customers to seek for properties based mostly on handle, parcel quantity, or proprietor title.

The performance of on-line databases considerably impacts the effectivity and effectiveness of property searches. Superior search filters permit customers to refine outcomes based mostly on particular standards, similar to property sort (residential, business, land), worth vary, acreage, and placement. This granular management empowers customers to establish properties matching their actual necessities, saving appreciable effort and time. Furthermore, entry to historic information, similar to previous gross sales costs and evaluation traits, gives beneficial market insights for potential consumers and traders. Understanding current gross sales information for comparable properties in a particular neighborhood permits for extra knowledgeable pricing selections.

In conclusion, leveraging on-line databases is essential for navigating the complexities of the Richmond County, NC actual property market. These assets present a centralized, environment friendly, and data-rich platform for conducting complete property searches. Efficient use of those databases, together with understanding the accessible search filters and deciphering historic information, is important for making knowledgeable selections within the native actual property panorama. The reliability and accessibility of those on-line platforms are more and more very important for transparency and effectivity throughout the fashionable property market.

2. Property Listings

Property listings type the core of any efficient actual property search, representing the accessible stock inside a particular market. Inside the context of a Richmond County, NC property search, these listings present potential consumers and traders with essential info relating to accessible properties. Accessing complete and up-to-date listings is important for a profitable property search.

  • Information Accuracy

    Correct property information is paramount. Listings ought to replicate the true situation and options of the property, together with sq. footage, variety of bedrooms and bogs, lot measurement, and any distinctive traits. Inaccurate information can mislead potential consumers and complicate the transaction course of. Making certain information integrity inside Richmond County, NC property listings is essential for sustaining market transparency and fostering belief between consumers and sellers. Discrepancies between listed and precise property particulars can result in authorized disputes and monetary losses.

  • Accessibility and Availability

    Prepared entry to present property listings is significant for an environment friendly search course of. On-line platforms and actual property agent databases function main sources for these listings. The convenience with which potential consumers can entry these assets instantly impacts the general effectiveness of their Richmond County, NC property search. Restricted entry or outdated info can hinder the search course of and create missed alternatives. Broad entry to listings promotes a good and aggressive market atmosphere.

  • Photographic Illustration

    Excessive-quality pictures are important for conveying the visible enchantment and situation of a property. Correct and complete photographic illustration permits potential consumers to evaluate a property remotely earlier than scheduling bodily viewings. Inside Richmond County, NC property listings, photos play an important function in capturing purchaser curiosity and offering a practical preview of the property. Skilled images that precisely displays the property’s options can considerably affect purchaser notion and decision-making.

  • Pricing Technique

    Itemizing worth considerably influences purchaser curiosity and negotiation methods. Understanding present market values and using acceptable pricing methods is important for attracting certified consumers. Inside a Richmond County, NC property search, analyzing comparable property costs and contemplating market traits is essential for setting aggressive itemizing costs. Overpriced listings can deter potential consumers, whereas underpriced listings can result in misplaced income for sellers. Strategic pricing contributes to environment friendly market dynamics.

These aspects of property listings instantly impression the efficacy of a Richmond County, NC property search. Correct information, readily accessible listings, complete photographic illustration, and strategic pricing all contribute to a clear and environment friendly actual property market. Cautious consideration of those parts empowers each consumers and sellers to make knowledgeable selections and navigate the property market efficiently.

3. Tax Assessments

Tax assessments play an important function in property searches inside Richmond County, NC. These valuations, carried out by the county assessor’s workplace, decide the taxable worth of a property, instantly impacting property taxes. Understanding the function of tax assessments is important for potential consumers and traders conducting property analysis in Richmond County.

  • Property Valuation

    The core operate of a tax evaluation is to find out the market worth of a property. This valuation considers components similar to location, property measurement, situation, and up to date gross sales of comparable properties throughout the space. In Richmond County, NC, tax assessments are carried out periodically to make sure property values replicate present market situations. These valuations function the premise for calculating property taxes, a big expense for property homeowners.

  • Affect on Property Taxes

    Tax assessments instantly affect the quantity of property taxes owed. The assessed worth, multiplied by the native tax charge, determines the annual property tax legal responsibility. For property searches in Richmond County, NC, understanding the present tax evaluation and the native tax charge is essential for estimating future property tax bills. This info permits potential consumers to issue property taxes into their total funding evaluation and finances accordingly.

  • Interesting Assessments

    Property homeowners have the suitable to enchantment a tax evaluation in the event that they consider it’s inaccurate or unfairly excessive. The appeals course of sometimes includes presenting proof supporting a decrease valuation to the county’s board of equalization or the same evaluate board. In Richmond County, NC, understanding the appeals course of is important for property homeowners who consider their tax assessments are incorrect. Efficiently interesting an evaluation can lead to decrease property taxes.

  • Transparency and Public Data

    Tax assessments are usually thought-about public information, accessible to anybody. This transparency permits potential consumers and traders to analysis the tax historical past of a property in Richmond County, NC. Entry to this info gives beneficial insights into previous valuations, tax liabilities, and potential property tax will increase. This transparency fosters knowledgeable decision-making inside the actual property market.

The connection between tax assessments and property searches in Richmond County, NC is integral. Entry to tax evaluation information empowers consumers and traders to make knowledgeable selections about potential property acquisitions. Understanding the valuation course of, impression on property taxes, appeals procedures, and public availability of those information are key parts of a complete property search technique.

4. Possession Particulars

Possession particulars are an important element of property searches inside Richmond County, NC. Accessing this info gives potential consumers, traders, and researchers with key insights into the historical past and present standing of a property. Understanding who owns a property, how lengthy they’ve owned it, and any related liens or encumbrances is prime to creating knowledgeable selections throughout the native actual property market.

  • Present Proprietor Identification

    Figuring out the present authorized proprietor of a property is a main operate of possession particulars inside a property search. This info clarifies possession standing and establishes the suitable get together for inquiries or negotiations. Inside Richmond County, NC, public information sometimes disclose the present proprietor’s title and mailing handle, facilitating contact and verification. Correct proprietor identification is essential for initiating contact and making certain a easy transaction course of.

  • Possession Historical past

    Analyzing the historical past of possession for a given property gives beneficial context. This historic document reveals earlier homeowners, dates of possession transfers, and any related transactions. In Richmond County, NC, accessing this historical past can reveal patterns of possession, potential property disputes, and the frequency of gross sales. This info can inform funding selections and provide insights into the property’s market trajectory.

  • Liens and Encumbrances

    Possession particulars additionally disclose any current liens or encumbrances on a property. Liens symbolize authorized claims towards a property, usually associated to excellent money owed, whereas encumbrances can limit the use or switch of the property. Inside Richmond County, NC property searches, figuring out these components is essential for understanding potential liabilities related to a property. Unresolved liens can complicate property transactions and impression possession rights.

  • Property Switch Data

    Accessing property switch information gives particulars relating to previous gross sales transactions, together with sale costs, dates of switch, and the events concerned. This info presents beneficial market insights, permitting potential consumers and traders to research historic gross sales information and perceive property worth traits inside Richmond County, NC. Evaluating previous gross sales information to present market situations can assist inform pricing methods and negotiation ways.

The supply and accuracy of possession particulars instantly impression the efficacy of property searches in Richmond County, NC. Entry to this info empowers knowledgeable decision-making, facilitates clear transactions, and contributes to a extra environment friendly and secure actual property market. Integrating possession particulars into the property search course of is important for a complete understanding of any given property.

5. Gross sales Historical past

Gross sales historical past varieties a essential element of property analysis inside Richmond County, NC. Analyzing previous transaction information gives beneficial context for understanding present market dynamics and evaluating potential funding alternatives. This historic document reveals traits in property values, frequency of gross sales, and the general well being of the native actual property market. Accessing gross sales historical past information empowers consumers and traders to make knowledgeable selections based mostly on concrete proof slightly than hypothesis.

Analyzing gross sales historical past inside Richmond County, NC permits for the identification of patterns and anomalies. For instance, persistently rising sale costs in a specific neighborhood would possibly point out sturdy demand and potential for future appreciation. Conversely, stagnant or declining sale costs may recommend market saturation or underlying financial components impacting property values. Moreover, inspecting the time properties sometimes spend in the marketplace earlier than promoting gives insights into market liquidity. A short while-on-market usually signifies a vendor’s market, whereas an extended time-on-market would possibly recommend a purchaser’s market. Understanding these nuances by gross sales historical past evaluation is essential for efficient negotiation and knowledgeable decision-making.

Entry to complete gross sales historical past information inside Richmond County, NC empowers knowledgeable decision-making and contributes to a extra environment friendly and clear actual property market. This historic perspective gives a basis for understanding present market situations and predicting future traits. Integrating gross sales historical past evaluation into the property search course of strengthens due diligence efforts and equips consumers, sellers, and traders with the data essential to navigate the complexities of the Richmond County actual property panorama successfully. The flexibility to research historic traits and examine previous gross sales information to present listings gives a big benefit within the aggressive actual property market.

6. Location Filters

Location filters are important instruments inside a Richmond County, NC property search. They refine search outcomes based mostly on geographic parameters, enabling customers to concentrate on particular areas of curiosity throughout the county. This performance considerably streamlines the search course of, eliminating irrelevant listings and highlighting properties inside desired places. The impression of location filters stems from their skill to slim search parameters, saving customers effort and time whereas rising the relevance of returned outcomes. For instance, a person in search of a property throughout the metropolis limits of Rockingham can apply a location filter to exclude listings exterior town boundaries. Equally, filters can goal particular neighborhoods or zip codes inside Richmond County, offering granular management over search outcomes.

The sensible significance of location filters is clear of their skill to focus on particular property varieties inside outlined geographic areas. A person in search of business properties inside Hamlet, NC, can mix location filters with property sort filters to generate a extremely refined checklist of related listings. This exact concentrating on is essential for business traders, builders, and enterprise homeowners in search of properties inside particular market areas. Moreover, location filters play a essential function in residential property searches, permitting customers to concentrate on neighborhoods that align with their way of life preferences, faculty district necessities, or proximity to facilities. The flexibility to outline search parameters based mostly on location considerably enhances the effectiveness and effectivity of property searches inside Richmond County, NC. A possible house owner considering properties close to Richmond Neighborhood School can leverage location filters to prioritize listings inside an outlined radius of the campus. This centered strategy ensures search outcomes align with particular location necessities.

Efficient use of location filters inside a Richmond County, NC property search considerably enhances search effectivity and relevance. By defining exact geographic parameters, customers can shortly establish properties inside desired places, eliminating irrelevant listings and specializing in areas of curiosity. This focused strategy saves time, streamlines the search course of, and empowers customers to make knowledgeable selections based mostly on particular location standards. Understanding the performance and utility of location filters is essential for maximizing the effectiveness of any property search inside Richmond County, NC. The strategic use of those filters is integral to a profitable property search, making certain outcomes are tailor-made to particular location preferences and funding goals.

7. Property Sort

Property sort is a essential filter inside a Richmond County, NC property search. Classifying properties based mostly on their supposed useresidential, business, industrial, agricultural, or vacant landallows customers to refine search outcomes shortly. This categorization instantly impacts search relevance by making certain outcomes align with particular person wants. For instance, a residential residence seeker can filter outcomes to exclude business or industrial listings, focusing solely on accessible houses. Equally, a business investor can filter for retail areas, workplace buildings, or industrial warehouses, streamlining the search course of. Understanding the accessible property varieties inside Richmond County and successfully utilizing property sort filters enhances search effectivity and produces focused outcomes. A developer in search of vacant land for a brand new residential subdivision can filter particularly for undeveloped parcels of an acceptable measurement, eliminating irrelevant listings and focusing their search on viable choices.

The sensible implications of property sort filtering lengthen past primary search performance. Filtering by property sort allows a extra nuanced evaluation of market traits inside Richmond County. By isolating particular property varieties, customers can acquire insights into market phase efficiency, worth fluctuations, and stock ranges. For example, analyzing traits throughout the residential market phase would possibly reveal a scarcity of single-family houses, whereas the business market may exhibit an oversupply of workplace house. This granular understanding of market dynamics informs funding selections and permits customers to tailor their search methods accordingly. Moreover, property sort evaluation gives beneficial information for group planning and growth initiatives inside Richmond County. Figuring out areas with a excessive focus of vacant land may inform selections relating to zoning rules, infrastructure growth, or focused financial growth applications. The sensible significance of property sort extends past particular person property searches, providing beneficial insights for broader market evaluation and group planning.

Efficient utilization of property sort filters is essential for conducting environment friendly and focused property searches inside Richmond County, NC. This categorization allows customers to refine search outcomes, concentrate on related listings, and acquire insights into particular market segments. Understanding the varied property varieties and their implications throughout the native actual property market empowers knowledgeable decision-making and contributes to a extra environment friendly search course of. Integrating property sort evaluation into broader market analysis and group planning initiatives additional amplifies the sensible significance of this categorization inside Richmond County. The flexibility to research traits inside particular property varieties gives a deeper understanding of the complexities throughout the native actual property market and facilitates data-driven selections for traders, builders, and policymakers.

8. Worth Vary

Worth vary acts as a essential filter inside a Richmond County, NC property search, defining the appropriate financial limits for property acquisition. This parameter instantly influences search outcomes, focusing consideration on properties falling inside specified budgetary constraints. Establishing a practical worth vary is important for environment friendly property searches, eliminating properties exterior monetary attain and concentrating efforts on viable choices. The interaction between worth vary and different search standards, similar to property sort and placement, additional refines outcomes, aligning them with particular funding targets and market situations.

  • Market Segmentation

    Worth vary segments the Richmond County actual property market into distinct tiers, every characterised by various property traits and purchaser demographics. Defining a worth vary permits customers to concentrate on particular market segments, aligning search outcomes with their buying energy and property preferences. For example, entry-level houses sometimes fall inside a cheaper price vary than luxurious properties, attracting completely different purchaser demographics and funding methods. Analyzing worth vary segmentation gives insights into market dynamics and helps customers tailor their search methods accordingly.

  • Affordability Evaluation

    Worth vary is intrinsically linked to affordability evaluation. Figuring out a practical worth vary requires contemplating components similar to revenue, debt-to-income ratio, and prevailing rates of interest. Conducting an intensive affordability evaluation earlier than initiating a Richmond County, NC property search ensures that search parameters align with monetary capability. This proactive strategy prevents wasted time on properties exterior monetary attain and focuses efforts on attainable choices. Understanding affordability constraints throughout the context of the native market is essential for a profitable property search.

  • Funding Technique

    Worth vary performs a big function in funding technique. Traders in search of high-yield properties would possibly concentrate on cheaper price ranges, concentrating on distressed properties or undervalued belongings with potential for appreciation. Conversely, traders prioritizing long-term progress would possibly think about greater worth ranges, specializing in established properties in fascinating places. Aligning worth vary with funding goals is important for maximizing returns and mitigating dangers throughout the Richmond County actual property market. The interaction between worth vary and funding technique ensures that property searches align with total monetary targets.

  • Negotiation Ways

    Worth vary influences negotiation ways. Understanding the standard worth vary for comparable properties inside Richmond County empowers consumers to make knowledgeable presents and negotiate successfully. Setting a practical worth vary gives a framework for negotiation, establishing a baseline for acceptable presents and counteroffers. Analyzing current gross sales information throughout the desired worth vary permits consumers to gauge market competitiveness and develop knowledgeable negotiation methods. A well-defined worth vary strengthens the customer’s place throughout negotiations and will increase the chance of securing a good deal.

Worth vary features as an important parameter inside a Richmond County, NC property search, shaping search outcomes and influencing funding methods. Understanding the implications of worth vary, together with market segmentation, affordability evaluation, funding technique, and negotiation ways, is important for conducting efficient property searches and making knowledgeable selections throughout the dynamic Richmond County actual property market. Integrating worth vary issues into each stage of the property search course of empowers consumers, sellers, and traders to navigate the market successfully and obtain their actual property goals.

9. Acreage

Acreage serves as a defining attribute inside Richmond County, NC property searches, significantly for these in search of land or properties with substantial out of doors house. This parameter specifies the land space related to a property, influencing property worth and potential utilization. The importance of acreage stems from its direct impression on property suitability for numerous functions, together with residential growth, agricultural actions, or business ventures. Filtering search outcomes based mostly on acreage permits customers to concentrate on properties assembly particular land space necessities, aligning search outcomes with particular person wants and funding goals. For instance, a purchaser in search of a small residential lot would possibly filter for properties with lower than one acre, whereas a farmer in search of agricultural land would possibly require a minimal of fifty acres. This focused strategy streamlines the search course of, eliminating irrelevant listings and focusing consideration on viable choices.

Sensible implications of acreage inside Richmond County, NC property searches differ based mostly on property sort and supposed use. Residential consumers usually prioritize acreage based mostly on desired yard house, privateness issues, or potential for future growth. Industrial builders assess acreage based mostly on venture necessities, zoning rules, and potential for maximizing constructing density. Agricultural consumers think about acreage in relation to crop manufacturing, livestock grazing, or different agricultural actions. Moreover, acreage influences property valuation, as bigger parcels usually command greater costs, significantly in fascinating places or areas with growth potential. Understanding the implications of acreage throughout numerous property varieties and funding methods is essential for knowledgeable decision-making throughout the Richmond County actual property market. For instance, a developer in search of to construct a multi-family housing advanced would prioritize acreage ample to accommodate the proposed variety of items whereas complying with native zoning ordinances. Conversely, a purchaser in search of a secluded rural retreat would possibly prioritize acreage for privateness and leisure alternatives. The interaction between acreage and property worth is advanced and sometimes relies on components similar to location, accessibility, and growth potential. A small parcel in a densely populated city space would possibly command the next worth per acre than a bigger parcel in a rural space with restricted growth prospects. Analyzing comparable gross sales information based mostly on acreage inside particular places gives beneficial insights for property valuation and funding evaluation.

Efficient use of acreage as a search parameter inside Richmond County, NC property searches considerably enhances search effectivity and relevance. Defining particular acreage necessities streamlines the search course of, focusing consideration on properties aligned with particular person wants and funding goals. Understanding the sensible implications of acreage throughout numerous property varieties, funding methods, and valuation fashions is important for knowledgeable decision-making throughout the advanced Richmond County actual property panorama. Integrating acreage issues into property analysis empowers consumers, sellers, and traders to navigate the market successfully and obtain their actual property targets. The interaction between acreage, property worth, and market dynamics underscores the significance of this parameter throughout the property search course of. Analyzing traits in acreage demand inside particular segments of the Richmond County actual property market can present beneficial insights for builders, traders, and policymakers, informing growth methods and land use planning initiatives.

Steadily Requested Questions

This part addresses widespread inquiries relating to property searches inside Richmond County, NC.

Query 1: The place can property tax info be accessed?

Property tax info is usually accessible by the Richmond County Tax Division’s web site or by contacting their workplace instantly. On-line entry usually contains present tax assessments, fee historical past, and particulars relating to tax charges and deadlines.

Query 2: How can property possession information be obtained?

Property possession information are usually accessible by the Richmond County Register of Deeds. These information could also be accessible on-line or require an in-person request. Data sometimes contains present and historic possession particulars, in addition to any related liens or encumbrances.

Query 3: What assets can be found for researching current property gross sales information?

Latest property gross sales information will be accessed by numerous on-line actual property platforms, a few of which can require subscriptions. The Richmond County Register of Deeds additionally maintains information of property transfers, offering official gross sales information, although entry could differ.

Query 4: How can one decide the zoning rules for a particular property?

Zoning rules for a particular property inside Richmond County will be obtained by the county’s planning or zoning division. These rules dictate permitted land makes use of and growth restrictions inside particular zones.

Query 5: Are there assets accessible for assessing the flood threat of a property?

Flood threat info for properties inside Richmond County can usually be accessed by FEMA’s flood map service heart or by the county’s GIS (Geographic Data System) division. This info helps assess potential flood hazards and insurance coverage necessities.

Query 6: What steps must be taken when discrepancies are found in on-line property information?

Discrepancies in on-line property information must be reported to the related authority, such because the Richmond County Tax Division or Register of Deeds. Offering particular particulars in regards to the discrepancy facilitates investigation and correction of the knowledge.

Thorough analysis and using accessible assets is essential for conducting knowledgeable property searches inside Richmond County, NC. Understanding accessible information sources and in search of clarification when wanted are important steps within the property analysis course of.

Additional exploration of property-specific particulars and due diligence are important steps following the preliminary property search.

Suggestions for Richmond County, NC Property Searches

Efficient property searches require a strategic strategy. The next suggestions present steerage for navigating the Richmond County, NC actual property panorama.

Tip 1: Make the most of A number of On-line Sources

Relying solely on a single on-line database can restrict search scope. Exploring a number of platforms, together with the Richmond County Tax Division web site, actual property portals, and GIS mapping instruments, gives a complete view of obtainable properties and market information.

Tip 2: Refine Searches with Particular Standards

Broad search parameters yield overwhelming outcomes. Using accessible filters, similar to property sort, worth vary, acreage, and placement, narrows search outcomes, focusing consideration on properties aligning with particular necessities.

Tip 3: Analyze Historic Gross sales Information

Understanding previous gross sales traits gives beneficial market insights. Analyzing historic gross sales information for comparable properties informs pricing selections and gives a practical perspective on market worth.

Tip 4: Confirm Data with Official County Data

On-line information will be inaccurate or outdated. Verifying info with official county information, similar to these maintained by the Register of Deeds, ensures information accuracy and prevents potential issues.

Tip 5: Contemplate Skilled Help

Navigating advanced actual property transactions will be difficult. Partaking a certified actual property agent or legal professional gives professional steerage and ensures compliance with authorized and regulatory necessities.

Tip 6: Go to Properties in Individual

On-line listings provide restricted views. Visiting properties in individual permits for a complete evaluation of situation, location, and suitability for supposed use.

Tip 7: Think about Property Taxes and Related Prices

Property possession entails ongoing bills. Factoring in property taxes, insurance coverage prices, and potential upkeep bills gives a practical view of total possession prices.

Tip 8: Analysis Neighborhood Traits

Location considerably impacts property worth and high quality of life. Researching neighborhood traits, similar to faculty districts, crime charges, and proximity to facilities, informs location selections and ensures compatibility with way of life preferences.

Implementing these methods promotes environment friendly and knowledgeable property searches inside Richmond County, NC. Thorough analysis and cautious planning contribute to profitable actual property transactions.

The next conclusion synthesizes key takeaways and presents remaining suggestions for navigating the Richmond County, NC actual property market.

Conclusion

Efficient navigation of the Richmond County, NC actual property market requires a complete understanding of obtainable assets and strategic utilization of search parameters. Entry to on-line databases, coupled with meticulous evaluation of property listings, tax assessments, gross sales historical past, and possession particulars, empowers knowledgeable decision-making. Leveraging location filters, property sort specs, worth vary parameters, and acreage necessities streamlines the search course of, focusing consideration on properties aligning with particular funding goals. Thorough due diligence, together with verification of on-line info towards official county information and in-person property visits, mitigates threat and ensures correct property assessments. Integrating these methods promotes environment friendly and knowledgeable property searches inside Richmond County, NC.

The Richmond County, NC actual property panorama presents various alternatives for consumers, sellers, and traders. Strategic utilization of obtainable assets, coupled with an intensive understanding of market dynamics, empowers knowledgeable decision-making and contributes to profitable actual property transactions. Continued exploration of market traits and diligent analysis stay important for navigating the evolving complexities of the Richmond County property market. Profitable navigation of this market hinges on a proactive and knowledgeable strategy, making certain that funding selections align with each particular person goals and prevailing market situations.