vermont homes for sale by ownervermont homes for sale by owner

check your free credit scores now. The trademarks MLS, Multiple Listing Service and the associated logos are owned by CREA and identify the quality of services provided by real estate professionals who are members of CREA. This home comes with 25 acres of land with great proximity to hiking trails, snow machine trails, four wheeler trails and all while being conveniently located close to Lake Seymour (within 2 miles!) Homes For Sale By Owner In Vermont136 Homes Available. This information is deemed reliable, but not guaranteed. Open House Sat, Dec 17 1:00 PM - 4:00 PM Add to calendar, VEGETABLE AND FLOWER GARDENS HIGH CEILINGS DECORATIVE PLASTER CEILING MOLDINGS BEAUTIFUL PLASTER CEILING MOLDING RUBBER ROOF OLD VICTORIAN HOMES TIN CEILING Listing by: (518) 273-1636 BRIEF DESCRIPTION Beautiful, old, significantly preserved Victorian home is for sale at 141 Oakwood Ave, Troy, NY 12180, & ldquo; as is & rdquo; , for $330,000 OBO. 93 Single Family 10 Condos 4 Town Homes 0 Multi Family 10 Land Parcels 18 Others. Browse through Vermont cheap homes for sale and get instant access to relevant information, including property descriptions, photos and maps.If you're looking for specific price intervals, you can also use the filtering options to check out cheap homes for sale under $300,000, $200,000, $100,000 and $50,000. We are looking for that someone who has a love for old Victorian homes! ", -- Ginny G., Richmond 10/17/22 AP $675,000 SP $675,000, "I wanted to let you knowI closed 720 templeton rd MONTPELIER, VT 05602. You can fill out, sign, and submit all your seller's paperwork on the Houzeo app. Clevers Concierge Team can help you compare local agents and negotiate better rates. Each choice has its own pros and cons as well as costs: If you choose to use a flat-fee MLS company, you'll have to offer a buyer's agent commission. If you are thinking of selling your Charlotte home, try our flat fee listing service, Our list fees start at $499, and may save you $15,000 in real estate commissions. 2 Beds 1 Baths. It is designed to be a starting point to help parents make baseline comparisons, not the only factor in selecting the right school for your family. With this house you can be in the middle of the action but with 2.75 acres it is very private. We get it. 'For Sale by Owner (FSBO California)', 'Sell your home yourself' or 'Do it yourself MLS listing' refers to the method of listing your home for sale without the help of a listing agent. days on market . Searching cheap houses for sale in Vermont has never been easier on PropertyShark! These receipts also provide the buyer with information about who to contact if they discover issues with the repairs in the future. Homes For Sale in Milton, VT Homes For Sale in Milton, VT. Price: to Beds: Baths: placeFilter By Location. You and the buyer (or their agent) will also have to agree upon contract contingencies, how closing costs are divided, the timeline, and more. Listing by: (347) 992-0382 4 Family House for sale on Massive Beautiful 125x125 lot, located just across the street from the ever popular Community Gardens (delicious fresh produce regularly), and in close proximity to RPI. In the event forms are lost or errors are discovered in the future, a correction statement and agreement requires you, the buyer, or their lender, to replace or fix those documents if need be. Beautiful Views from property, especially from 3rd floor. Bethel and Randolph towns are area small commute of 4+ miles North and South. Perfect for hanging out with friends and family after a day on the hill or just to relax. Vermont has over 800 lakes, ponds, and reservoirs, with 220 of them being larger than 20 acres in size. Documentation proving any major repairs or changes to the house help verify its value. Find your next affordable home or property here Skip to main content MoreLess Buy All Homes for Sale in Vermont Condos for Sale in Vermont Sell Home Value Estimator Rent Apartments for Rent in Vermont Updated January 2023: By searching, you agree to the Terms of Use, andPrivacy Policy. Also, focus on creating a homey atmosphere for buyers. Its a portal only accessible by licensed real estate brokers and agents who can list your property, search for users data, or find home buyers. All rights reserved. As-Is cash sale. IDX information is provided exclusively for consumers' personal, non-commercial use, that it may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. To get an accurate idea of what your house is worth, look at comparable listings in your area. Fortunately our FRONT DECK GREY LUXURY VINYL FLOORING BACK PORCH Listing by: (518) 420-9283 Charming completely remodeled 3 bedroom 1.5 bath ranch with hardwood floors in the living room and bedrooms and grey luxury vinyl flooring in the kitchen and dining room. Thank Property Consists of an open meadow. Understanding their priorities will help you identify what features of your property to highlight in your listing and attract more interest. Home Sold. 1993-2023Picket Fence Preview Inc. All rights reserved. In a typical sale, the seller also agrees to a commission rate for the realtor who brings the buyer to the table, which runs between 2.00% to 2.93%. You have to pay extra for pricing assistance several local competitors offer this for free. Marketing your home by writing a listing description, taking high-quality photos, posting the listing on different sites (free and/or paid), and promoting your home on social media, in print ads, and via word of mouth. The living room flows seamlessly into the dining area and gourmet kitchen, which features stainless steel appliances and gas range. A detailed list of all the costs associated with the sale and who pays them. Contact RNESU for eligibility. 1.75 hours to Boston. If you wish to report an issue or seek an accommodation, please let us know. The MLS is how real estate agents find homes for their clients, and typically a buyer's agent commission is included to incentivize these realtors to show the house to their clients. REDFIN IS COMMITTED TO AND ABIDES BY THE FAIR HOUSING ACT AND EQUAL OPPORTUNITY ACT. Does it have the same number of bedrooms and bathrooms? Just a couple blocks to Church St, Burlington 7BR 2BA, Big Duplex - Location, location. Large rear yard could add a garage or out buildings. 23 ft bar. Information deemed to be reliable but not guaranteed. homeFor Sale By Owner Buyers Guide.com. When you sell your home, there are four common scenarios when it comes to commissions: The table below shows how this could break down in Vermont: Once you find a buyer for your house, it's time to start the closing process. The furnace is natural gas and 4 years old, very large woodstove in good working order. The median list price in Vermont is $400,000 and the average price per square foot is $198. Organization is key when showing your home to potential buyers. New leeching fields in designed by areas& apos; top engineer and installed in 2007 LOCATION! Remember, to succeed at selling a house by owner you'll need to: If you'd like some professional guidance with no strings attached, Clever can help. New homes are getting added all the time. For example, Clever pre-negotiates 1% listing fees (or $3,000 for homes under $350,000) with top-rated local agents. The MLS may, at its discretion, require use of other disclaimers as necessary to protect Participants and/or the MLS from liability. If you wish to report an issue or seek an accommodation, please let us know. Benefit from our 29 years of experience helping people just like you SUCCESSFULLY sell by owner! House is a 5 + bedroom, 2 baths, dining area, kitchen with wood stove and sitting area/ mud room space possibility with separate entry. Many closing documents are legally binding agreements. Instead, they'll refer you to a Montana-based broker who will list your property. Redfin has a local office at 15 Constitution Dr 1st Floor, Bedford, NH 03110. This is basically a receipt that includes both your information and the buyer's. Click here to start saving. Clever pre-negotiates lower listing fees with top agents in your area. And, unlike many similar companies, Clever pre-negotiates big discounts on your behalf, so you can save thousands without sacrificing on service. For Sale Monthly Rental Bed. 1923 US Route 7 South . "But spending money on high-end features to take it from good to extravagant will be a waste.". Price it too high and the listing goes stale, forcing a price drop that could make buyers wary of the home. Roof less then 1 yr old, 3 yr old heating system and 2 yr old hot water tank. Substantial Savings Note: A resale value of more than 100% indicates a profitable repair. REX is available in the following areas: AZ, CA, CO, FL, GA, MD, NV, NJ, OR, PA, TX, WA, DC. Even if your buyer has an agent, you'll still avoid paying 2.19% to 3.12% in listing commissions. Homes, Houses & Apartments For . Any errors can derail your sale and cost you thousands in fees or in costs to re-list your house. Homes For Sale in Saint Albans, VT Homes For Sale in Saint Albans, VT. Price: to Beds: Baths: placeFilter By Location. Tile flooring in 1/2 bath. 2091 State Route 12,, Lake Elmore, VT 05657, 4302 Bolton Valley Access Rd Unit 278-280, Richmond, VT 05477, 10523 Pomfret RD, North Pomfret, VT 05053, 3563 Pleasant St, West Brookfield, VT 05060, 96 Hummingbird Ln, South Burlington, VT 05403, 1275 Burgoyne Ave, Hudson Falls, NY 12839, 154 Golf Course Rd, Au Sable Forks, NY 12912. COZY CONDO Cozy condo in the Bolton Valley resort. It & rsquo; s potentially four bedroom but registered as three bedroom house, two full bathrooms. Understanding Vermont's housing trends will provide some guidance on what your home is worth and how much it No listing commission, which could save you 2.66%, based on the Vermont average. Clever gives you the savings of FSBO without the added stress! What the seller loves about this home On the edge of a quiet town with all the things you need close by. that sits on one side of the property. price / sq. Browse 1 Charlotte, Vermont Homes for sale by owner and real estate listings, or sell your home with a low cost flat fee on ByOwner. This browser is no longer supported. This home is located at 69 High St, Plainfield, VT 05667. Driveway in place and lots of clearing done. For example, a Clever survey of local real estate professionals found that in Vermont, sellers often cover 1.60% to 2.40% of buyers' closing costs. There's a better option. Its advertising misrepresents the significant risks of its pricing model and marketing approach. Log In Sign Up. Big basement for storage or a workshop. Do not sell or share my personal information. Very fond memories of spending weekends & amp; several holidays throughout childhood. Heading to Florida tomorrow for a Learn more. 2022 Clever Real Estate. It will also list the final price of the home and what was included in the sale. What the seller loves about this home This home is located in a small town with great neighbors. days on market 76 5 homes for sale Norwich, VT Avg. In Vermont, an attorney must assist with real estate transactions. Houzeo is Americas #1 For Sale By Owner Platform Best house to raise kids, all schools are with in 1 mile distance. "Smell plays a huge part in how buyers will perceive and remember your house. one story home, with 12 X12 shed (5 years old) and 1/4 acre of lawn and garden up against woods. Sold. Beautiful Views from property, especially from 3rd floor. When you sell your house as a For Sale By Owner (FSBO), a Flat Fee MLS in Vermont is a perfect option that will save you at least half the traditional full commission. You should also consider offering these popular seller concessions: FSBO isn't a perfect fit for everyone. Browse 1 for rent by owner and real estate listings in 05440 Vermont. Great home for a large family in Pomfret. Our top-rated real estate agents in Vermont are local experts and are ready to answer your questions about properties , neighborhoods, schools, and the newest listings for sale in Vermont. That's more of YOUR Money, in YOUR pocket! "We closed last Thursday, for our Buy or sell with Houzeo. Residential or commercial renovation ready, with potential for new construction and subdivision. Main living area includes cozy kitchen with dining area and large living room. You and Bill were very helpful. If you are considering selling -- or buying -- in Charlotte, we maintain a consistently revised inventory (updated on 03/04/2023). Land, Condos, Waterfront, Cottages, Investment, Commercial Properties since 1993, Click on state image to search for property. List with a top agent for just $3,000 or 1%. FSBO sellers who find a buyer without an agent, save an additional 2.46%, the average buyer's agent commission rate in Vermont. Use filters to narrow your search by price, square feet, beds, and baths to find homes that fit your criteria. Redfin offers real savings and is a proven brand. Vermont Real Estate & Homes For Sale 1,485 Agent listings 111 Other listings Sort: Homes for You 117 Osgood Hill Road, Essex, VT 05452 Listing provided by NEREN $485,000 3 bds 3 ba 2,160 sqft - Active 3D Tour 13 Randolph Avenue, Randolph, VT 05060 Listing provided by NEREN $585,000 5 bds 2 ba 2,995 sqft - Active Price cut: $35,000 (Feb 5) For Sale By Owner Homes. It is a newer plastic tank and new pipe to house site from septic tank. Upstairs is 11 bedrooms, laundry room, 2 full baths and a huge 25 x 25 rec room. Vermont Mobile & Manufactured Homes for Sale 59 Homes Sort by Relevant Listings Brokered by Ridgeline Real Estate New For Sale $120,000 2 bed 1.5 bath 896 sqft 18 1/2 East St, Essex. The home has been historically maintained, and features 12 foot ceilings, fire places in each room, Palladian window, with large center hallway. Copyright: 2023 Redfin. Do not sell or share my personal information. Enter your zip code below to get started! These websites tend to list all MLS entries so your FSBO home will likewise appear. Energy Star home built in 2012 with home office and theater room. Sellers looking for a lot of a-la-carte options. If you're looking to sell your home in the Vermont area, our listing agents can help you get the best price. View photos, see new listings, compare properties and get information on open houses. $175,000. If you want to ramp up interest, check out ByOwner.com. The septic is in great shape. This house was part of the Underground Railroad, and was featured in a James Coburn movie, & quot; American, Nice little single family home located in the town of Barnard Vermont. This home sits on a little over 3/4 of an acre, plenty of space for the kids or animals to roam, Listing by: (518) 932-1707 Beautiful Entrepreneurs Dream plenty of parking for Business owners What the seller loves about this home Beautiful for family that wants to make money, BLANK PALLET Listing by: (518) 760-1091 4 Bedrooms, 1 full baths, large lot with lots of space for the family to play or entertain. Save Search. Analyze details about the houses and how they compare to yours. Ask yourself: Answering these questions honestly will help you see if your price is in the right ballpark. 4 Sumner Lane Wilmington, VT 05363. Further, if you list FSBO, you'll likely receive multiple calls from agents offering to connect you with their buyersif you pay them a competitive buyer's agent commission (typically 2.46% in Vermont). Master bedroom suite includes ample closet space, a bathroom wit. Pergo on entire main floor. REX has a 4.7 out of 5 rating (1,041 reviews) across popular review sites like Google and Zillow. You want to put your home's best foot forward. LEARN: 239 Depot Street Bennington, VT 05201. This home is a blank pallet for you to come in and use your imagination to make it your very own. All rights reserved. 1; $106,795. You may contact us if have any questions/suggestions for improving our site. Excellent spot to raise a family. FOR SALE BY OWNER. Disclaimer: Listing broker has attempted to offer accurate data, but buyers/lessees are advised to confirm all information IDX information is provided exclusively for consumers' personal, non-commercial use that it may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing, and that data is deemed reliable but is not guaranteed accurate by the MLS. Copyright: 2023 Redfin. There is a 2 bedroom conventional septic in place. my case as well! Our sellers save in the neighborhood of $average seller saves $15,000 by using ByOwner. Sitting in the shade in the back yard enjoying a cool breeze. This 1200 square foot single family home has 3 bedrooms and 1.0 bathrooms. 3 Beds 1.5 Baths. You'll want to have amazing Paquette Road Saint Albans, VT 05478. Homes, Houses & Apartments For Rent By Owner In 05440, VT (1) . Unit 1: Large office, large kitchen w/ pantry, laundry hookups Unit 2: Large kitchen/pantry, dishwasher, laundry hookups in basement, Listing by: (518) 599-3303 3-4 bdrm, 1 bath, laundry room, mudroom, kitchen, open dining & amp; livingroom with fireplace & amp; Waterview of creek , family room 2 upstairs bedrooms. It& apos; s a caring community and the Prosper Valley School and Woodstock Union school are great small schools for children. If you're thinking about listing your home for sale by owner, you probably don't want to pay high real estate fees. New Roof, updated plumbing. If you don't love your Clever partner agent, you can request to meet with another, or shake hands and go a different direction. Has unfunctional oil furnace that needs to be removed/ replaced. We closed on our Small upgrades and repairs can do a lot to sway potential buyers. Very cozy living room/ dining room combo with vaulted ceiling, 2 bedrooms, one with washer and dyer, fully applianced galley kitchen, full bathroom and loft on both ends. With over 5,000 sellers listing their properties for sale on Houzeo, buyers get the advantage of easily browsing through the Exclusive Inventory of homes for sale. testimonials on Picket Fence that document the frequent friendship & quot; Bunk house& quot; is a 14x30 open concept with electric and propane heat. Brokerage. This home is located at 69 High St, Plainfield, VT 05667. house on May 12 and are now homeless! Over the past 2 years, this home has had quiet the transformation from new vinyl siding, replacement windows, new shingles in the garage and back of the house, light fixtures through out, living room remodel, and of course the kitchen! 2 sheds with electric. 3 bed rooms. soon. Zillow (Canada), Inc. holds real estate brokerage licenses in multiple provinces. 442-H New York Standard Operating Procedures New York Fair Housing NoticeTREC: Information about brokerage services, Consumer protection noticeCalifornia DRE #1522444Contact Zillow, Inc. Homes For Sale By Owner In Rutland County, VT28 Homes Available. To avoid an expensive mistake, consider working with a low commission realtor instead. Generations of family have lived in this beautiful country home. However, there is a solid argument for offering a buyer's agent commission. With the aid and exposure ByOwner affords a For Sale By Owner, the profit is larger because financial cost to the seller is smaller. Find your dream for sale by owner in Vermont using the tools above. By offering to pay the buyer's legal fees, you can sweeten the deal. Sell on your own without being alone. Look at recent sales data in your area on Zillow or other real estate sites to find an accurate price point for homes of comparable size and condition to yours. The house is not habitable due to structural and roof and will not qualify for financing. I will not pay real estate commissions. If having a buyer inspection was part of the sales agreement, you should receive a copy of the results before closing. The right family would do very well with this property- living, working and leasing. David and Lori Fitzgerald, Westford May 17,2022. Before deciding to sell your home by owner, weigh all the pros and cons to make the right choice for your situation. Vacationers that we meet on the trails or by the lake marvel at the fact that we live here year round! Low utilities. Two additional, 14 Holton Rd is a 1,246 square foot house on a 0.37 acre lot with 3 bedrooms and 2 bathrooms, LOG HOME LARGE FENCED GARDEN WHOLE HOSE FILTER FRUIT TREES CUSTOM FEATURES Log Home! Convenient location with in walking distance to restaurants and stores. Kitchen looks out, Property is owned by Owner/Broker and wife. Furnace installed in the garage. The state also has 23,000 miles of rivers and streams, and 300,000 acres of wetlands. Chittenden Town Reservoir for wonderful camping, swimming and Kayaking. Cleared site where old cabin was, ready to build! This process varies by state heres a quick breakdown of Vermonts requirements. If you are using a screen reader, or having trouble reading this website, please call Redfin Customer Support for help at 1-844-759-7732. Stairs leading to finished attic can be accessed through master bedroom. Research shows that FSBO homes typically sell for about 6% less than those listed with agents AND you'll still usually be on the hook for offering a competitive buyer's agent commission. The listing brokers offer of compensation is made only to participants of the MLS where the listing is filed. There are 2158 active homes for sale in the state of Vermont. you so much for all the help! 15 to 20 minutes from downtown Woodstock Vermont. Vermont For Sale by Owner 0 Agent listings 75 Other listings Sort: Homes for You 2091 State Route 12, Lake Elmore, VT 05657 $189,000 2.3 acres lot - For sale by owner 17 hours ago 72 Outwater Rd, Bennington, VT 05201 $175,000 4 bds 3 ba 2,800 sqft - For sale by owner 12 hours ago Loading. Located equidistance between Plattsburgh and Lake Placid, NY. Clever has pre-negotiated low commission rates with top agents in all 50 states and Washington, DC. This will give buyers peace of mind that they won't have to worry about big issues any time soon. We do not have any active properties in 05440. You can also add appeal by noting any special features of the landscape such as lakes, ponds, woods, etc. Best low commission real estate companies, Best we buy houses for cash companies, Are you a top realtor? As you step inside, you will be greeted by a grand foyer that leads to a cozy living room with a gas fireplace and large windows that provide an abundance of natural light. Was previously on the market but wanted to keep it a bit longer. Cement walls with a dirt floor What the seller loves about this home Lot of updates in the past 5 years makes for easy maintenance and upkeep, close to popular destinations, in town with walking distance to amenities. 4,000 Sq. When you enter your address, Houzeo auto-fills publicly available data about your property. The company won't be your listing broker. However, the buyer has to pay an average of 2%-3% of the final purchasing price, out of which a substantial amount goes towards paying the mortgage fees. We'll explain the ins and outs of any costs, Vermont FSBO paperwork, pricing strategies, and more. Safe. TREC:Info About Brokerage Services,Consumer Protection Notice. Sort by: Popular Cities in . It offers latest FSBO homes, Owner homes,houses for sale, town-homes/condos for sale, land for sale, multi family homes for sale and commercial property for sale by owner listings in Vermont. In most cases, a valid passport, driver's license, or other form of Vermont-issued ID. Use filters to narrow your search by price, square feet, beds, and baths to find homes that fit your criteria. For listings in Canada, the trademarks REALTOR, REALTORS, and the REALTOR logo are controlled by The Canadian Real Estate Association (CREA) and identify real estate professionals who are members of CREA. You can have it checked out but no contingencies on contract! Whenever you go to buy a house for sale by owner California, you eliminate the listing agent and get in touch with the home seller directly. View photos, prices, listing details and find your ideal rental on ByOwner. You want your house to meet buyers' expectations. Open floor concept on the first floor with original craftsman built features, exposed beams, hardwood floors, and large wood fireplace add to the warmth and ambiance of the home. Redfin is redefining real estate and the home buying process in Vermont with industry-leading technology, full-service agents, and lower fees that provide a better value for Redfin buyers and sellers. Products . In addition, you'll want to take professional photos of your newly staged home in order to advertise and market your home's potential. Your listing comes with all the state seller's disclosures that you'll need. ft Avg. SEARCH; . Front covered porch to relax and enjoy the beautiful sunsets. REXs promise of huge savings is misleading. Join Clevers network, What FSBO sellers in Vermont need to know, Sell with a top local agent for just $3,000 or 1% listing fees. Save your filters to get instant new home alerts. Come take a look at it, it might surprise you. Numerous updates and improvements over the last, Big Burlington Duplex - Location, location, location! Selling furnished. 2 Single Family 0 Condos 0 Town Homes 0 Multi Family 0 Land Parcels 0 Others. All Rights Reserved - Privacy Policy | Terms & Conditions| Consent to Contact Customer | TREC Consumer Protection Notice | Information About Brokerage Services, Be specific about large updates youve made in the last 5 years, such as rewiring electric, putting in a new roof, or installing a new furnace. Here are some key pricing metrics that will help you decide the best listing price for your home and market: Once you've decided on a price, it's time to write a listing description that speaks to local buyers. Read reviews from real Clever customers here. At the moment, 1 houses are now active and available. 2.3 improved acres right across from Lake Elmore with great views of Lake Elmore and Mt. However, selling FSBO has risks. Franklin County, VT Real Estate & Homes For Sale Sort: New Listings 98 homes NEW - 6 HRS AGO 3D VIEW 2 ACRES $379,900 3bd 3ba 1,722 sqft (on 2 acres) 202 Birch Lane, Enosburg Falls, VT 05450 NEREN, Active NEW - 17 HRS AGO 0.28 ACRES $299,000 4bd 2ba 2,435 sqft (on 0.28 acres) 52 North Avenue, Richford, VT 05476 NEREN, Active IntelliList Listing Management; Houzeo Showings . 14 Cedar Point Rd, Grand Isle, VT 05458 $1,500,000 3 bds For Sale by Owner Real Estate in VT & NH: Single Family Homes, Tenants are month-to-month. Buy a home in Vermont, New Hampshire, Maine, real estate sell, waterfront, lakefront, condo, townhouse, commercial, investment. 5 Beds. This house has a crawl space and has been lived in up until Sept 2022. RE: Killington Mountain School, Mount Saint Joseph Academy, Burr & amp; Burton Academy in Manchester and RHS. incredibly scenic, quiet and If you had a pre-sale inspection, you'll want the results to compare to the buyer's inspection. Thanks for using FSBOHomeListings.com services. If you're looking to sell your home in the Vermont area, our listing agents can help you get the best price. Unit 2 family - rents could be higher. Clever is a quick, easy, and free way to find a top-rated local agent. As a FSBO seller, you automatically avoid paying a listing commission. Listed 7 Days Ago. With access to our Charlotte, Vermont flat fee MLS listing service, you are set free from the dreaded six percent commission so often expected by traditional real estate agents. Based on Vermont's average commission rates, that could leave 2.19% to 6.05% of your sale price in your pocket. What FSBO sellers in Vermont need to know | Vermont FSBO paperwork | Vermont real estate commissions | How to list FSBO | FSBO pros and cons | Tips for selling without a realtor | FSBO alternatives. If you're searching for 'houses for sale near me by owner', then Houzeo has some great recommendations waiting for you! Large bedrooms beautiful woodwork.
Philadelphia Parking Ticket By License Plate, Columbine High School Football State Championship, Articles V