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$179,000
263953 MLS
Build your dream mountain home in Blowing Rock with the potential for beautiful mountain views. Combined, Lots 27 and 28 in desirable Hillwinds Estates offer approximately 1.49 acres within the Blowing Rock city limits. A topographical survey has already been completed, providing valuable information for planning and potentially reducing upfront costs associated with the building process. A significant advantage of this property is access to Blowing Rock city water and sewer, eliminating the need for a private well and septic system. Underground utilities are also available, and the property is accessed by a city-maintained road. The left side of the property, the terrain becomes more moderate, offering an area of particular interest when considering potential homesite placement. With thoughtful site planning and selective tree clearing, the property offers mountain view potential while providing the convenience of municipal services and proximity to all that Blowing Rock has to offer. Per the sellers, the property owners association is voluntary with no regular annual dues; assessments are made only when maintenance needs arise. Roads serving the property are city maintained.

Lots 27 & 28 High Ridge Lane, Blowing Rock

$179,000
263444 MLS
Build your dream mountain retreat in the heart of Banner Elk on this exceptional homesite offering the perfect combination of convenience, privacy, and breathtaking long-range mountain views. Ideally located just minutes from downtown Banner Elk, world-class dining, boutique shopping, Sugar Mountain and Beech Mountain ski resorts, championship golf, hiking, wineries, and the countless outdoor adventures that make the High Country one of North Carolina's premier destinations. Lot 4 Elk Creek Drive features paved access, city water and sewer availability, and an outstanding building site within the architecturally controlled community of Elk Creek, where thoughtful design standards help preserve the beauty, character, and long-term value of the neighborhood. Whether you're planning a full-time residence, mountain getaway, or investment property, short-term rentals are permitted (subject to the community's governing documents), creating exceptional flexibility for future ownership. For those seeking additional privacy or a larger estate setting, the adjacent Lot 3 is also available and may be purchased together (see listing 263428). An existing driveway already provides convenient access to both parcels, creating a rare opportunity to own an expanded homesite with enhanced privacy in one of Banner Elk's most desirable mountain communities. Enjoy the peace of mind that comes with a well-maintained community while being just minutes from everything the High Country has to offer. Whether your vision is a luxury mountain residence, a seasonal escape, or an income-producing retreat, this exceptional property provides the perfect canvas to bring it to life.

Lot 4 Elk Creek Drive, Banner Elk

$179,000
263118 MLS
Experience breathtaking mountain views from this premium 2.06-acre parcel in the newest premier development, Wilderness Reserve at Wildcat. This lot is the perfect canvas for your mountain retreat, offering the flexibility of no timeline to build and the freedom to choose your own builder. With a comfortable 875-square-foot minimum, this property is great place for a cozy getaway or a custom mountain estate. Wilderness Reserve is a gated community designed for adventure and relaxation, featuring miles of ATV trails and a stunning streamside park. Ideally situated for easy access to Boone, Blowing Rock, and the Blue Ridge Parkway, this location offers the perfect blend of seclusion and convenience. Don't miss your chance to own a piece of the High Country

85 Eagle Watch Circle, Deep Gap

$179,000
262896 MLS
2 lots together overlooking the legendary New River which is believed to be the second oldest river in the world. Build your dream home with breathtaking river views away from the busy-ness and hustle. 20 minutes from Boone but close to all the high country amenities, including kayaking, tubing, hiking, skiing, golfing, and all the outdoor adventures the high country is known for. It's the perfect get away for the river enthusiast or the river appreciator. This property has direct access to the river; others in the development have access also through this property's river frontage. Experience mountain living at it finest with spectacular views of one of the world's oldest rivers. Create an unforgettable place to call home.

TBD New River Farms Road, Fleetwood

$179,000
1 Beds ⋅ 1 Baths ⋅ 260476 MLS
In the desirable Holiday Beech Villas community, this turnkey mountain condominium offers the ability to walk to the slopes at Beech Mountain Resort, where winter skiing and snowboarding transition into summer concerts, mountain biking and seasonal festivals. Fully furnished and ready for immediate enjoyment, the property provides an ideal setting for a personal mountain retreat or a lucrative short-term vacation rental in one of North Carolina’s premier high-elevation destinations. This residence features a flexible one-bedroom layout that has been thoughtfully configured to accommodate two separate sleeping areas, allowing additional space for guests. The open-concept living area is spacious and inviting, offering a comfortable place to relax after a day on the slopes or trails. Large sliding doors provide natural light and open to a private deck with scenic mountain views. The primary sleeping area offers direct access to the spacious deck, creating a seamless connection between indoor and outdoor living. The eat-in kitchen flows easily into the living area, making the space well-suited for weekend getaways or extended stays. Outdoor living is highlighted by a new deck and porch, providing a welcoming space to enjoy fresh mountain air and long-range views. The Holiday Beech Villas community is undergoing significant exterior improvements, including new decks and walkways, updated siding, insulation, grading and drainage upgrades, enhancing the long-term durability and appeal of the community. POA fees include water, sewer, cable and internet, and owners also enjoy access to a community clubhouse. Property owners also have opportunity to join the Beech Mountain Club, a private mountain club offering amenities such as a heated outdoor pool, fitness center and classes, dining venues, social events, tennis and pickleball courts, and optional golf memberships. Beech Mountain is a four-season destination known for its cool summer climate and abundant outdoor recreation. Nearby amenities include Fred’s Mercantile, local restaurants, coffee shops, parks and seasonal attractions such as the Land of Oz. With its furnished interior, flexible sleeping layout, recent community improvements and convenient access to Beech Mountain Resort, this condominium presents an excellent opportunity for a personal mountain getaway or potential lucrative short-term vacation rental in one of North Carolina’s popular mountain communities.

100 Lower Holiday Lane Unit C308, Beech Mountain

$179,000
2 Beds ⋅ 2 Baths ⋅ 259218 MLS
Pulling into the Driveway you notice the beautiful stone chimney. From the moment you walk through the front door, you will appreciate the care and attention to detail in this charming two-bedroom, one-and-a-half-bath Land Harbor cottage. The original RV park model has been completely remodeled to include a half bath, a laundry area, and a primary bedroom. The updated kitchen is sure to impress with updated appliances coffee bar, and generous pantry storage. Here you also find the dining area. The large living room offers the option to reinstall a wood-burning stove or gas fireplace kit; the flue is still intact. The current propane heater now provides comfort on chilly evenings, giving ambiance of a cozy fire. Multiple skylights brighten the home with abundant natural light. The guest bedroom features ample windows and a Murphy bed that conveniently tucks away, if needed. You’ll appreciate the original hardwood floors in this part of the home, and the owner notes that the same flooring continues beneath the carpet in the living room. Luxury vinyl plank flooring has been added to the remodeled areas. The full bathroom includes a stand-up shower, granite countertops, and plenty of storage, including a utility closet. Upstairs, you’ll find a large attic space with windows and an area that could potentially be converted into additional space with a bit of creativity. Built-ins throughout the home add to its charm, making this Land Harbor property a must-see. Outside, you will find a covered patio/carport area with walk around decking leading to an open entertaining back deck. Ample parking is also provided at this home. Location is within walking distance to the Golf House and Patio Grill. POA dues include swimming pool, water, sewer, cable tv, internet, 24/7 security, trash collection and road maintenance. SOLD Completely Furnished!

103 Teaberry Lane, Newland

$179,000
258150 MLS
Beautiful land with a lot of flat ground, roadbeds in place, and mountain views located in scenic Creston close to Pond Mountain Game Lands and the New River. This property, made up of two parcels, has springs and a creek on it. Included in the purchase is a cabin shell that is built on a 16*12 frame and 6*6 rutters and can be moved to a different spot on the property. However, you will probably want to leave it right where it is, sit on the 6 ft porch, and wonder what took you so long to get back to the simplicity of life as you gaze upon the mountain peaks surrounding you. There is a small family cemetery on the hill to the right near the entrance to the land. This is a property, priced to sell, is like no other with altitudes reaching a little above 3400 ft.

TBD Bryan Davis Road, Creston

$178,000
1 Beds ⋅ 1 Baths ⋅ 264460 MLS
TURN-KEY Upper-Level Condo – Walk to Beech Mountain Resort! Updated and move-in ready, this charming upper-level condo offers long-range sunrise VIEWS, level entry with NO stairs, and a highly walkable location near Beech Mountain Resort and local coffee shop. Features include AIR conditioning, stainless steel appliances, new flooring, carpet, doors, windows, shiplap accents, fresh paint, and a beautiful built-in tiled shower. Just the right amount of space for a special getaway. Enjoy natural light through floor-to-ceiling sliding doors or relax by the new electric fireplace. The spacious deck offers opportunity for coffee sunrises and includes an awning for rainy days. POA fees include water, sewer, cable, and internet. Owners also enjoy access to a clubhouse with laundry facilities. Ideal as a personal retreat or short-term rental investment in a four-season destination with skiing, mountain biking, hiking, and more. Beech Mountain offers high elevation living and an escape from hot summers down south. There is a town at the top of Beech which includes a coffee shop, Fred's Mercantile, dog park, playground, and restaurants. Summers bring live concerts within walking distance and interactive experiences at the Land of Oz. With Beech being a nature preserve, deer and bear can be seen on occasion. rental grossed $27.7k in 2025

101 Upper Holiday Lane Unit H332, Beech Mountain

$178,000
256646 MLS
Discover the enchanting new gated community of Poplar Forest, just five minutes from Boone, where you can plant your roots on a stunning 1.21-acre lot. This beautifully sloping lot is the perfect canvas for your dream home, elevated on a hill that features breathtaking views of Howard's Knob. Picture yourself surrounded by the natural beauty of Howard's Creek Valley, marveling at the seasonal changes. With an approved septic permit for five bedrooms, this space invites families, guests, and pets to thrive in comfort and freedom. The south-facing orientation floods the area with natural light and presents spectacular views to the west, creating a cozy sanctuary in a picturesque setting. Embrace the potential for short-term rentals, transforming this opportunity into a valuable investment thanks to its excellent location, fast fiber-optic internet, and a minimum square footage requirement of just 1,200 square feet. For outdoor enthusiasts, the vast space beckons for hiking and reveling in the majestic mountain vistas. Enjoy the beauty of the great outdoors while having essential services just moments away. In just five minutes, you can immerse yourself in the vibrant town of Boone, offering shopping, healthcare, and an array of exciting activities, including skiing, delightful dining, and scenic hiking trails. Plus, with Appalachian State University nearby, this remarkable location truly shines!

Lot 24 Poplar Forest Drive, Boone

$178,000
2 Beds ⋅ 2 Baths ⋅ 253142 MLS
*PRICED TO SELL - BEST VALUE AT PINNACLE INN* Your affordable mountain getaway awaits! Wake up to find yourself above the clouds in this desirable 3rd floor unit…TURNKEY 2 BEDROOM UNIT OFFERS SPECTACULAR LONG RANGE LAYERED MTN VIEWS & SKI SLOPE VIEW to the left. Top floor, so no noise from neighbors above. All of the work has been done...LVP flooring, entire unit has been repainted, refrigerator and ceiling fans have been updated. Two portable a/c units convey. This two bedroom unit is ready for rentals! Sleeps 4 with king bed in primary bedroom and twin beds in guest room. At an elevation of over 5,000 ft, this location is ideal for all four seasons! Enjoy snowy winters and cool summers on Beech Mtn. Wood burning fireplace is cozy after a day of skiing. Just minutes from the Beech Mountain Resort. Escape the heat in the summer months. Take in the cool mountain air from the covered porch. Summer temps on Beech Mtn rarely exceed 80 degrees! PET FRIENDLY-Owners can have 2 pets/unit and the Beech Mtn Dog Park is adjacent to Pinnacle Inn! ONLY PAY FOR ELECTRIC because the $471/month POA Fee includes water, sewer, fiber optic internet, trash, local phone and the MANY AMENITIES at Pinnacle Inn: Indoor pool, pickleball, tennis, hot tub, fitness, sauna, game room, mini golf, grills & more! PRIME LOCATION on Beech Mtn & amenities are hard to find! Not far from Fred's General Store, Restaurants, Breweries, Playground, Sledding Hill & Wedding Venues. Beech Mtn Resort is nearby for skiing, tubing, ice skating, mtn biking, concerts, etc. Less than 10 minutes to downtown Banner Elk.

301 Pinnacle Inn Road Unit 4313, Beech Mountain

$175,000
2 Beds ⋅ 2 Baths ⋅ 264483 MLS
Public Remarks Tucked away near the charming communities of Spear, Plumtree, Newland, and Spruce Pine, this well-maintained home offers the peaceful mountain lifestyle you’ve been searching for. One of the true highlights is the opportunity to sit on your front porch and listen to the soothing sounds of Henson Creek as it babbles nearby—a simple luxury that makes mountain living feel even more special. The home sits elevated above the creek, providing peace of mind after Hurricane Helene while still allowing you to enjoy the beauty and sounds of the water from your porch. And when it comes to storage, this property delivers! A detached garage with electricity and an attached carport provides plenty of room for vehicles, hobbies, equipment, or projects, while an additional wooden storage shed offers even more space. Convenience is also close at hand, with a nearby coffee shop and country store offering food, hardware, and everyday essentials. You’ll enjoy the quiet of a mountain setting without feeling far from the communities and amenities of the High Country. Well cared for and ready for its next owner, this property is a wonderful opportunity to enjoy creekside mountain living, abundant storage, and a convenient location all in one.

2850 Henson Creek, Newland

$175,000
264453 MLS
Build your dream home on beautiful Lots 56 & 57 with views of the High Country's majesty! Located in the desirable gated Silver Springs Farm Estates community amongst other multimillion dollar homes within 1 mile of the town of Banner Elk. The neighborhood’s many features include natural beauty with glorious mountain views, incredible year-round weather, no thru streets, easily accessible, beautiful park & dedicated observation area, located within driving distance of the High Country’s finest for all four seasons: hiking, golfing, fishing, rafting, skiing, snow tubing, zip lining, shopping, dining, the Blue Ridge Parkway, Grandfather Mountain & so much more! Enjoy the finest living in this quiet seclusion in a wooded, meticulously landscaped community with healthy HOA. Details of approved builder program available upon request. If purchasing connecting lots, discounts available!

Lots 56 and 57 Silver Springs Farm Road, Banner Elk

$175,000
264254 MLS
Homesite 1303 Reynolds Parkway offers a setting defined by dramatic topography and sweeping mountain views. Set along Reynolds Parkway, the 2.05-acre homesite rises above the surrounding landscape, creating a striking canvas for a home designed to embrace the natural character of the mountains. The homesite’s natural elevation is part of what makes it so compelling, creating the potential for an architectural approach that reveals the landscape in layers. Generous acreage provides room for privacy and thoughtful positioning, while expansive rear porches and walls of windows could make the most of the sweeping views and create a seamless connection between the home and the outdoors. Its location places Homesite 1303 within convenient reach of The Meadows Pool and Pavilion, nearby trailheads, and the many experiences that shape life at Blue Ridge Mountain Club—from wellness and recreation to dining and gathering spaces. The result is a homesite that offers both a dramatic sense of place and everyday connection to the life of the community. For those drawn to architecture that responds to the land, Homesite 1303 Reynolds Parkway offers the scale, elevation, and mountain setting to create something truly distinctive. At Blue Ridge Mountain Club, life extends well beyond the home—shaped by access to miles of trails, a full-service wellness and fitness center, dining experiences, and a calendar of seasonal gatherings and traditions. Set within more than 6,000 acres of mountain landscape, the community offers a rare balance of outdoor adventure, daily convenience, and meaningful connection.

1303 Reynolds Parkway, Boone

$175,000
2 Beds ⋅ 2 Baths ⋅ 262897 MLS
Welcome to 986 Wagoner Access Road in Jefferson, NC—a beautifully renovated mountain retreat that offers the perfect combination of modern updates, peaceful surroundings, and an unbeatable High Country location. Whether you’re searching for a full-time residence, a weekend mountain retreat, or a turnkey investment property, this move-in-ready home delivers exceptional value. Originally built in 1981, this 2-bedroom, 2-bath home has been thoughtfully remodeled from top to bottom. Nearly every surface has been updated, including a completely redesigned kitchen and bathrooms featuring new cabinetry, new tub and shower surrounds, stylish fixtures, updated lighting, fresh interior paint, beautiful new flooring, brand-new appliances, and a spacious new deck great for relaxing and taking in the mountain scenery. Privacy is one of this property’s greatest features. Surrounded by the natural beauty of the North Carolina High Country and overlooking neighboring farmland, you’ll enjoy peaceful mornings, frequent visits from local wildlife, and breathtaking views of iconic Mount Jefferson right from your living room, kitchen, and owners suite. Beyond Mount Jefferson, you’ll appreciate panoramic views of multiple surrounding mountain peaks that showcase the beauty of every season. Outdoor enthusiasts will love the location. New River State Park is less than two-tenths of a mile away, placing kayaking, canoeing, tubing, fishing, hiking, and endless outdoor adventures just moments from your doorstep. You’re also only minutes from historic downtown West Jefferson, where you’ll enjoy local restaurants, art galleries, boutique shopping, breweries, and year-round community events. If you’ve been searching for a renovated home for sale in Jefferson, NC with mountain views, privacy, and convenient access to the New River and West Jefferson, this property is a rare opportunity. Simply bring your suitcase—everything else has already been done. Just move in and start enjoying everything the North Carolina High Country has to offer.

986 Wagoner Access Road, Jefferson

$175,000
262327 MLS
Two beautiful lots with driveway and building site recently put in. This gently sloping tract offers long range views with some tree removal, and beautiful seasonal views if you prefer to keep the trees for privacy. There is easy access to power and high speed internet off of the state maintained gravel road. This property is 25 minutes to Boone and Watauga Lake. Plenty of wildlife and privacy, and the grading is already done for you to be able to build your dream mountain getaway. The driveway is a gentle slope and the flat building site offers you the opportunity to have easy access for building. The tax value for lot 33 is 51,000.00 and the tax value for lot 34 is 74,000.00 with a combined value of 125,000.00. Taxes for lot 33 are 188.05, and lot 34 are 272.69 combined they are 460.74. See tax bills in supplements. The POA for Mountain Meadows is inactive to the best of my knowledge. If you are using LandGlide, please open the app before going to property.

TBD Hattie Hill Road, Vilas

$175,000
261543 MLS
Nestled at over 4,100 feet in elevation within the gated mountain community of Monteagle, this beautifully secluded 2.53-acre homesite offers an extraordinary opportunity to create your dream retreat in the heart of the North Carolina mountains. Tucked away at the end of a private drive serving only two homes, this is one of the most private and peaceful lots in the neighborhood, surrounded by lush woods, rolling pastures, and breathtaking mountain scenery that create a true sense of escape from everyday life. As you arrive, the soothing sounds of a gently flowing creek bordering the property immediately set the tone for the tranquility and serenity this property offers. The combination of elevation, privacy, and natural beauty creates an idyllic mountain setting with cool summer temperatures, incredible scenery, and the peaceful atmosphere Monteagle is known for. With minimal traffic and unmatched seclusion, this homesite offers the rare opportunity to enjoy complete privacy while still being part of one of the High Country’s most sought-after gated communities. Monteagle’s picturesque landscape provides the perfect backdrop for a full-time residence or mountain getaway, with flexible minimum building requirements allowing for a variety of home styles and sizes. Whether you envision a cozy mountain cottage or a larger custom retreat, the setting offers endless possibilities to bring your vision to life. Despite its peaceful and secluded feel, the property remains conveniently located just a short drive from Banner Elk Winery, local ski resorts, restaurants, shopping, hiking, and everything the High Country has to offer. Opportunities to own a homesite with this level of privacy, elevation, creek frontage, and natural beauty within Monteagle are becoming increasingly rare.

Lot 98 Eagle Peak Trail, Banner Elk

$175,000
260777 MLS
Rare find in the High Country. Beautiful 1.33 Acre Lake Lot located close proximity to the entrance in Headwaters At Banner Elk Gated Community. Have the best of both worlds being in the Mountains and on the Man-Made Lake. Only 15 minutes from Downtown Banner Elk! Easy access from paved road. Gentle building site that extends down to the water's edge where you can fish, canoe and kayak from your own backyard. You can walk/hike to Stoney Creek Park, Lakeside Pavillion and Deer Creek Park from your front door. Lots of amenities, including lakes, parks, tennis court & walking trails. The Clubhouse is nearby and features a gourmet kitchen, spacious great room, dining room, game room, fitness center & theater room. Headwaters is a short drive to downtown Banner Elk, which has skiing, restaurants, mountain biking, shopping, summer theater and concerts. Seller is Motivated. Make An Offer!

LL4 Woodlake Loop Road, Elk Park

$175,000
259440 MLS
Located in the Poplar Forest subdivision just 3 miles outside of Boone, this 1.74-acre residential lot offers an excellent opportunity to build a mountain home in one of the High Country’s most central and convenient locations. Surrounded by mature hardwoods and set above the road, the property provides a peaceful, wooded setting while maintaining easy paved access. The interior of the property offers a level, usable building area well suited for a thoughtfully designed home, with seasonal mountain views that can be enjoyed and enhanced from the homesite. The layout of the land allows a residence to be positioned comfortably within the landscape, creating a sense of privacy and connection to the surrounding natural environment. From this location, Boone, Blowing Rock, West Jefferson, and the Blue Ridge Parkway are all easily accessible. The property is well positioned for enjoying skiing, hiking, fishing, and the wide range of outdoor recreation the High Country is known for, making it a practical and appealing location for a primary residence or mountain retreat. This property combines build potential, natural surroundings, and proximity to the region’s most popular destinations, offering a strong foundation for creating a home in the heart of the High Country.

Lot 14 Poplar Forest Drive, Boone

$175,000
257623 MLS
Homesite C-109 in The Lodges at Eagles Nest is a picturesque 1.11-acre property perched at 3,800-plus feet of elevation, featuring dramatic mountain views of the surrounding ridgelines, a gently sloping building envelope that is shaped for you, mature hardwoods, and rhododendrons framing the building site. The property is located in the Cabin section of the community, allowing for homes of 1,200 heated square feet and up. The property is positioned in a secluded area of the community with no through traffic, just a short drive to the Great Camp amenity center and the front gate for easy access to town. The property has a preliminary evaluation reporting suitable soils for a four-bedroom traditional septic system. Letter to be provided upon request. A 3,000-plus-acre development with elevations of up to 5,200 feet, The Lodges at Eagles Nest offers the most dynamic mountain community experience in all North Carolina High Country. Boasting panoramic views as far as the eye can see, the land features incredible waterfalls, boulders, streams, an expansive nature preserve and access to the beautiful Elk River. The unique amenities of Eagles Nest include miles of pristine trails for hiking, mountain biking and ATV riding, Eagles Nest Winery, Eagles Nest River Club, The Great Camp, The North Pavilion, Camp Eagles Nest, onsite Dollar General and the brand new Epic Chophouse Restaurant. Call today to schedule a tour of this magnificent property in the hottest-selling community in The Blue Ridge Mountains, The Lodges at Eagles Nest!

C-109 Mossy Bark Trail, Banner Elk

$175,000
254124 MLS
HARD TO FIND flat buildable lot in the High Country of the NC mountains. Solitude Summit is a gated community that offers picturesque landscapes and breathtaking, long-range layered mountain views that include Three Top, Pond and Whitetop Mountains along with access to Three Top Creek – a state-stocked trout stream in the historic Todd area. Roads are paved and underground power is in place. Community entrance sits between two trout streams and provides a common area which includes a pavilion, waterfall and small pond. Buildings must be 1500 SQ FT minimum finished living space and vacation rentals are allowed. (See Amended Restrictions Book 507 Page 355). Todd is located between Boone and West Jefferson and is situated near a bend of the South Fork of the New River. Enjoy amenities like Outdoor recreation, music events, arts and so much more. Awe mountain living with all the convenience!

Lot #10 Solitude Lane, Todd

$174,999
263683 MLS
Nestled in the heart of Boone in a premier, established gated community, this exceptional corner lot presents a rare opportunity to build your dream mountain home just minutes from the charm of quaint historic downtown Boone, with its vibrant shops, eclectic dining, and renowned Appalachian State University. Gently sloping with a desirable south-facing orientation, the property lays beautifully for a daylight basement or garage underneath the house. Situated at the corner of Fire Pink Road and Lady Slipper Lane, it offers ultimate design flexibility with options for a graceful approach off either street. Enjoy the peace, privacy, and natural beauty of the Blue Ridge Mountains combined with the effortless convenience of city water, city sewer, and underground utilities. With so few vacant parcels remaining in such a peaceful and prime High Country location, this outstanding lot is truly a hidden gem ready for your architectural vision.

Lot 50 Fire Pink Road, Boone

The information from this search is provided by the High 'Country Multiple Listing Service. Please be aware that not all listings produced from this search will be of this real estate company. All information is deemed reliable, but not guaranteed. Please verify all property information before entering into a purchase.”