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35 Northridge Dr #35 North Reading. MA 01864

$499,900

Condo

2 Bedrooms

2 Bathrooms

1,574 sq ft

1 Parking Spots

Built in 1999

MARKET ADJUSTMENT This over 55 development has a golf course nearby and an easy stroll to restaurants, shopping and coffee. Just a couple of minutes and you are on Route 93. The complex tucked away in a private enclave off route 28, features plenty of parking and a clubhouse with some open space for lounging. The unit itself is comfortable with a U shaped kitchen and counter/stool area complete with electric stove, refrigerator & dishwasher. (washer & dryer left as gifts) As you walk in you are greeted with a two story foyer, the open dining area - living room distinct with a fireplace and exterior deck. The master bedroom features a walk in closet and a full bath. The garage and utility area are within easy access to the front hall and coat area. Plenty of storage and a comfortable condo fee makes this a great opportunity for folks who are seeking their independence but don't want to plow and maintain a big yard area.

This listing has been viewed 23 times in the past 22 days

Last Updated: November 26th, 2024 at 6:43am

Conservation Area

Highway Access

House Of Worship

Public School

Shopping

Golf

Park

Medical Facility

Bike Path

Tennis Court(s)

Private School

Adult Community

General Information for 35 Northridge Dr, North Reading, Massachusetts 01864

Property TypeResidential

Property Sub TypeResidential

Price$499,900

Price per sqft$317.60

MLS #73309656

Handicap Access / FeaturesYes

List Date2024-11-05

List Price$499,900

Building Construction StatusReady for Occupancy

Special Listing Conditions

Specific Zoning Coderes

StateMassachusetts

Street NameNorthridge Dr

Unit

CityNorth Reading

Zip Code01864

CountyMiddlesex

StatusActive

MLS Status

AssociationNo

Covered Parking Spaces1

Energy FeaturesNo

Heating Y/NYes

Heating System

Heat Zones1

Sold Date

Green Energy Efficient

Green Energy Generation

Property Sub TypeResidential

C_SType_TempCondominium

Property C Style

Entry Level2

Entry LocationUnit Placement(Upper)

Association ManagementProfessional - Off Site,Owner Association

Units Owner Occupied0

Owner Occupancy Source

MLSPIN_UNIT_BUILDING35

Number of Units56

Pet PolicyYes

Building Area SourcePlans

Building Area Total1574

Building Area Units0

Building Construction StatusReady for Occupancy

CarportNo

Close Date

Close Price$0

Covered Parking Spaces1

Listing Service

MLSPIN_COMPLEX_COMPLETE

UnparsedAddress35 Northridge Dr # 35, North Reading MA 01864

Zoning

Interior Features for 35 Northridge Dr, North Reading, Massachusetts 01864

Master BathYes

* Approx. Living Area Total1,574 sq ft

Living Area Includes BasementNo

* Living Area Source3

Bedrooms2

* # Fireplaces1

Bathrooms (Total)2

Full Baths2

* # Half Baths0

* # Rooms

Basement

* CoolingNo

Heating System

AppliancesClubhouse

Air ConditioningNo

* CoolingNo

Energy FeaturesNo

Electric

Living Area Disclosureliving area is approximate. does not count oversi

Living Area Includes BasementNo

Door Features

ElectricYes

Electric$0

MLS Area (Major)

OffMarketDate

Exterior Features for 35 Northridge Dr, North Reading, Massachusetts 01864

Covered Parking Spaces1

* Parking Spaces1

* Sewer Utilities

* Water Utilities

* Year Built1999

Year Built Details

Year Built SourcePublic Records

Year Built Effective

Exterior Features

Horse PermittedNo

Horse Amenities

Parking Features

Utilities

Disclosures for 35 Northridge Dr, North Reading, Massachusetts 01864

Buyer Agent Compensation2

Contingency

Financing

Disclosures

Documents AvailableFloor Plans, Master Deed, Rules & Regs, Unit Deed

Exclusions

For Sale By OwnerNo

MLSPIN_COMP_BASED_ON

MLSPIN_COOP_COMP

MLSPIN_DISCLOSUREN

Lead PaintNone

Living Area Disclosureliving area is approximate. does not count oversi

Living Area Includes BasementNo

Senior Community1

Facilitator Compensation2

TransactionBrokerCompensationType%

BuyerAgencyCompensationType%

Financial Information for 35 Northridge Dr, North Reading, Massachusetts 01864

Association Fee$534

Association Fee FrequencyMonthly

Associaton Fee IncludesInsurance, Maintenance Grounds, Maintenance Structure, Reserve Funds, Sewer, Snow Removal, Trash

AssociationNo

Assessed Value

Real Estate Tax$0

Tax Year

Optional Fee$0

Optional Fee Includes

MLSPIN_SOLD_PRICE_PER_SQFT$0

OriginalListPrice$525,000

Lifestyle Information for 35 Northridge Dr, North Reading, Massachusetts 01864

Association AmenitiesClubhouse

FireplaceYNNo

GarageYNNo

Waterview

Pool Features

SeniorCommunityYN1

Waterfront Features

Location information for 35 Northridge Dr, North Reading, Massachusetts 01864

Elementary School

Middle School

High School

Neighborhood (WPL, not MLS)Ipswich

Marketing History for 35 Northridge Dr, North Reading, Massachusetts 01864

MLSPIN_MARKET_TIME_BROKER20

MLSPIN_MARKET_TIME_PROPERTY99

PurchaseContractDate

Agent Information for 35 Northridge Dr, North Reading, Massachusetts 01864

Agent NamePriscilla Fitzgerald

Agent MLS IDB0401935

Agent Phone #978-852-5566

Agent Phone Area

Office NameFitzgerald & Associates

Office Phone978-664-4709

Office Phone Area

Office MLS IDB21201

Buyer Agent MLS ID

Buyer Office MLS ID

Team Members

MLSPIN_MANAGEMENTProfessional - Off Site,Owner Association

Payment Calculator

, Interest

Property Taxes $0

Principal & Interest 3080.22

HOA Dues $534

Term

Interest

Home Price

Down Payment

Exclusive Listing Agent

Priscilla Fitzgerald

Fitzgerald & Associates

Agent Phone

(978) 852-5566

Office Phone

(978) 664-4709

Text Agent Call Agent Call Office

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    [field_3295] => 0
    [field_3297] => 
    [field_3303] => 
    [f_3304_options] => ,3,
    [f_3304] => 1
    [f_3305_options] => ,12,
    [f_3305] => 0
    [field_3307] => 
    [field_3308] => 
    [field_3309] => 
    [field_3310] => 
    [field_3226] => 0
)

Array
(
    [property_type] => Array
        (
            [field_id] => 3
            [type] => property_types
            [name] => Property Type
            [value] => Residential
        )

[field_3236] => Array
        (
            [field_id] => 3236
            [type] => select
            [name] => PropertySubType
            [value] => Condominium
        )

[listing] => Array
        (
            [field_id] => 2
            [type] => listings
            [name] => Listing Type
            [value] => For Sale
        )

[field_3176] => Array
        (
            [field_id] => 3176
            [type] => number
            [name] => Full Bathrooms
            [value] => 2
        )

[field_3175] => Array
        (
            [field_id] => 3175
            [type] => select
            [name] => Status
            [value] => Active
        )

[field_3299] => Array
        (
            [field_id] => 3299
            [type] => select
            [name] => Property Category
            [value] => Residential
        )

[field_3298] => Array
        (
            [field_id] => 3298
            [type] => select
            [name] => Property Type
            [value] => Condominium
        )

[f_140] => Array
        (
            [field_id] => 140
            [type] => feature
            [name] => Pet Policy
            [values] => Array
                (
                    [0] => Yes
                )

)

[field_54] => Array
        (
            [field_id] => 54
            [type] => text
            [name] => Building Name
            [value] => North Ridge
        )

[field_55] => Array
        (
            [field_id] => 55
            [type] => number
            [name] => Floor Number
            [value] => 0
        )

[googlemap_ln] => Array
        (
            [field_id] => 51
            [type] => text
            [name] => Longitude
            [value] => W72° 53' 23'' 
        )

[googlemap_lt] => Array
        (
            [field_id] => 52
            [type] => text
            [name] => Latitude
            [value] => N42° 34' 56.6'' 
        )

[field_2111] => Array
        (
            [field_id] => 2111
            [type] => text
            [name] => Office Name
            [value] => Fitzgerald & Associates
        )

[field_3000] => Array
        (
            [field_id] => 3000
            [type] => text
            [name] => Agent MLSID
            [value] => B0401935
        )

[field_3045] => Array
        (
            [field_id] => 3045
            [type] => price
            [name] => HOA_FEE
            [raw] => 534
            [unit_id] => 260
            [value] => $534
            [price_only] => $534
        )

[f_3046] => Array
        (
            [field_id] => 3046
            [type] => feature
            [name] => ASSC_FEE_INCLUDES
            [values] => Array
                (
                    [0] => Snow Removal
                    [1] => Sewer
                    [2] => Reserve Funds
                    [3] => Insurance
                    [4] => Maintenance Structure
                    [5] => Trash
                    [6] => Maintenance Grounds
                )

)

[field_3056] => Array
        (
            [field_id] => 3056
            [type] => price
            [name] => ClosePrice
            [raw] => 0
            [unit_id] => 260
            [value] => $0
            [price_only] => $0
        )

[field_3069] => Array
        (
            [field_id] => 3069
            [type] => price
            [name] => LIST_PRICE_PER_SQFT
            [raw] => 317.6
            [unit_id] => 260
            [value] => $318
            [price_only] => $318
        )

[field_3071] => Array
        (
            [field_id] => 3071
            [type] => number
            [name] => MARKET_TIME_BROKER
            [value] => 20
        )

[field_3072] => Array
        (
            [field_id] => 3072
            [type] => number
            [name] => MARKET_TIME_BROKER_PREV
            [value] => 0
        )

[field_3075] => Array
        (
            [field_id] => 3075
            [type] => datetime
            [name] => ModificationTimestamp
            [value] => 25/11/2024 08:05:00
        )

[field_3092] => Array
        (
            [field_id] => 3092
            [type] => select
            [name] => Adult Community
            [value] => 1
        )

[field_3094] => Array
        (
            [field_id] => 3094
            [type] => price
            [name] => SOLD_PRICE_PER_SQFT
            [raw] => 0
            [unit_id] => 260
            [value] => $0
            [price_only] => $0
        )

[field_3095] => Array
        (
            [field_id] => 3095
            [type] => number
            [name] => STREET_NUM
            [value] => 35
        )

[field_3098] => Array
        (
            [field_id] => 3098
            [type] => text
            [name] => TransactionBrokerCompensation
            [value] => 2
        )

[field_3109] => Array
        (
            [field_id] => 3109
            [type] => number
            [name] => FIRE_PLACES
            [value] => 1
        )

[field_3112] => Array
        (
            [field_id] => 3112
            [type] => number
            [name] => HEAT_ZONES
            [value] => 1
        )

[field_3118] => Array
        (
            [field_id] => 3118
            [type] => price
            [name] => NOI
            [raw] => 0
            [unit_id] => 260
            [value] => $0
            [price_only] => $0
        )

[field_3120] => Array
        (
            [field_id] => 3120
            [type] => number
            [name] => NO_UNITS
            [value] => 56
        )

[field_3131] => Array
        (
            [field_id] => 3131
            [type] => number
            [name] => COOLING_ZONES
            [value] => 1
        )

[field_3134] => Array
        (
            [field_id] => 3134
            [type] => select
            [name] => SQUARE_FEET_INCL_BASE
            [value] => No
        )

[field_3156] => Array
        (
            [field_id] => 3156
            [type] => text
            [name] => SQUARE_FEET_DISCLOSURES
            [value] => living area is approximate.  does not count oversi
        )

[field_3164] => Array
        (
            [field_id] => 3164
            [type] => boolean
            [name] => AvailableNow
            [value] => No
        )

[field_3168] => Array
        (
            [field_id] => 3168
            [type] => price
            [name] => SEC_DEPOSIT
            [raw] => 0
            [unit_id] => 260
            [value] => $0
            [price_only] => $0
        )

[field_3171] => Array
        (
            [field_id] => 3171
            [type] => text
            [name] => Office Phone
            [value] => 978-664-4709
        )

[field_3172] => Array
        (
            [field_id] => 3172
            [type] => text
            [name] => Agent Phone
            [value] => 978-852-5566
        )

[field_3177] => Array
        (
            [field_id] => 3177
            [type] => select
            [name] => AccessibilityFeatures
            [value] => No
        )

[field_3178] => Array
        (
            [field_id] => 3178
            [type] => boolean
            [name] => AdditionalParcelsYN
            [value] => No
        )

[field_3179] => Array
        (
            [field_id] => 3179
            [type] => select
            [name] => AssociationFeeFrequency
            [value] => Monthly
        )

[field_3181] => Array
        (
            [field_id] => 3181
            [type] => select
            [name] => AttachedGarageYN
            [value] => 1
        )

[field_3182] => Array
        (
            [field_id] => 3182
            [type] => select
            [name] => BuildingAreaSource
            [value] => Plans
        )

[field_3183] => Array
        (
            [field_id] => 3183
            [type] => number
            [name] => BuildingAreaTotal
            [value] => 1574
        )

[field_3184] => Array
        (
            [field_id] => 3184
            [type] => select
            [name] => BuildingAreaUnits
            [value] => Square Feet
        )

[field_3185] => Array
        (
            [field_id] => 3185
            [type] => text
            [name] => BuyerAgencyCompensation
            [value] => 2
        )

[field_3186] => Array
        (
            [field_id] => 3186
            [type] => select
            [name] => BuyerAgencyCompensationType
            [value] => %
        )

[f_3188] => Array
        (
            [field_id] => 3188
            [type] => feature
            [name] => CommunityFeatures
            [values] => Array
                (
                    [0] => Conservation Area
                    [1] => Highway Access
                    [2] => House Of Worship
                    [3] => Public School
                    [4] => Shopping
                    [5] => Golf
                    [6] => Park
                    [7] => Medical Facility
                    [8] => Bike Path
                    [9] => Tennis Court(s)
                    [10] => Private School
                    [11] => Adult Community
                )

)

[field_3189] => Array
        (
            [field_id] => 3189
            [type] => price
            [name] => ConcessionsAmount
            [raw] => 0
            [unit_id] => 260
            [value] => $0
            [price_only] => $0
        )

[f_3190] => Array
        (
            [field_id] => 3190
            [type] => feature
            [name] => ConstructionMaterials
            [values] => Array
                (
                    [0] => Frame
                )

)

[field_3191] => Array
        (
            [field_id] => 3191
            [type] => select
            [name] => CoolingYN
            [value] => 1
        )

[field_3192] => Array
        (
            [field_id] => 3192
            [type] => number
            [name] => ParkingTotal
            [value] => 1
        )

[field_3193] => Array
        (
            [field_id] => 3193
            [type] => number
            [name] => CoveredSpaces
            [value] => 1
        )

[f_3196] => Array
        (
            [field_id] => 3196
            [type] => feature
            [name] => DocumentsAvailable
            [values] => Array
                (
                    [0] => Master Deed
                    [1] => Floor Plans
                    [2] => Unit Deed
                    [3] => Rules & Regs
                )

)

[field_3197] => Array
        (
            [field_id] => 3197
            [type] => number
            [name] => DocumentsCount
            [value] => 4
        )

[field_3200] => Array
        (
            [field_id] => 3200
            [type] => price
            [name] => ElectricExpense
            [raw] => 0
            [unit_id] => 260
            [value] => $0
            [price_only] => $0
        )

[field_3202] => Array
        (
            [field_id] => 3202
            [type] => number
            [name] => EntryLevel
            [value] => 2
        )

[field_3203] => Array
        (
            [field_id] => 3203
            [type] => text
            [name] => EntryLocation
            [value] => Unit Placement(Upper)
        )

[field_3205] => Array
        (
            [field_id] => 3205
            [type] => date
            [name] => ExpirationDate
            [value] => 01/01/1900
        )

[field_3206] => Array
        (
            [field_id] => 3206
            [type] => select
            [name] => FarmLandAreaUnits
            [value] => Square Feet
        )

[field_3208] => Array
        (
            [field_id] => 3208
            [type] => select
            [name] => FireplaceYN
            [value] => 1
        )

[field_3211] => Array
        (
            [field_id] => 3211
            [type] => number
            [name] => GarageSpaces
            [value] => 1
        )

[field_3212] => Array
        (
            [field_id] => 3212
            [type] => select
            [name] => GarageYN
            [value] => 1
        )

[field_3216] => Array
        (
            [field_id] => 3216
            [type] => price
            [name] => GrossIncome
            [raw] => 0
            [unit_id] => 260
            [value] => $0
            [price_only] => $0
        )

[field_3217] => Array
        (
            [field_id] => 3217
            [type] => select
            [name] => HeatingYN
            [value] => 1
        )

[field_3220] => Array
        (
            [field_id] => 3220
            [type] => price
            [name] => InsuranceExpense
            [raw] => 0
            [unit_id] => 260
            [value] => $0
            [price_only] => $0
        )

[field_3222] => Array
        (
            [field_id] => 3222
            [type] => text
            [name] => ListingAgreement
            [value] => Exclusive Right To Sell
        )

[field_3223] => Array
        (
            [field_id] => 3223
            [type] => date
            [name] => ListingContractDate
            [value] => 05/11/2024
        )

[field_3226] => Array
        (
            [field_id] => 3226
            [type] => area
            [name] => LotSizeSquareFeet
            [value] => 0 Sqft
            [raw] => 0
            [unit_id] => 1
        )

[field_3230] => Array
        (
            [field_id] => 3230
            [type] => price
            [name] => OperatingExpense
            [raw] => 0
            [unit_id] => 260
            [value] => $0
            [price_only] => $0
        )

[field_3231] => Array
        (
            [field_id] => 3231
            [type] => price
            [name] => OriginalListPrice
            [raw] => 525000
            [unit_id] => 260
            [value] => $525,000
            [price_only] => $525,000
        )

[field_3234] => Array
        (
            [field_id] => 3234
            [type] => textarea
            [name] => PrivateOfficeRemarks
            [value] => Occupancy can be immediate. REQUEST copy of deed e
        )

[field_3239] => Array
        (
            [field_id] => 3239
            [type] => select
            [name] => TransactionBrokerCompensationType
            [value] => %
        )

[field_3240] => Array
        (
            [field_id] => 3240
            [type] => text
            [name] => UnparsedAddress
            [value] => 35 Northridge Dr # 35, North Reading MA 01864
        )

[field_3241] => Array
        (
            [field_id] => 3241
            [type] => price
            [name] => WaterSewerExpense
            [raw] => 0
            [unit_id] => 260
            [value] => $0
            [price_only] => $0
        )

[field_3243] => Array
        (
            [field_id] => 3243
            [type] => text
            [name] => YearBuiltDetails
            [value] => Actual
        )

[field_3245] => Array
        (
            [field_id] => 3245
            [type] => text
            [name] => YearBuiltSource
            [value] => Public Records
        )

[field_3248] => Array
        (
            [field_id] => 3248
            [type] => datetime
            [name] => OriginalEntryTimestamp
            [value] => 05/11/2024 16:44:00
        )

[field_3257] => Array
        (
            [field_id] => 3257
            [type] => select
            [name] => MLSPIN_COMPLEX_COMPLETE
            [value] => Ready for Occupancy
        )

[field_3260] => Array
        (
            [field_id] => 3260
            [type] => text
            [name] => MLSPIN_DISCLOSURE
            [value] => N
        )

[field_3265] => Array
        (
            [field_id] => 3265
            [type] => price
            [name] => MLSPIN_GRE
            [raw] => 0
            [unit_id] => 260
            [value] => $0
            [price_only] => $0
        )

[field_3266] => Array
        (
            [field_id] => 3266
            [type] => price
            [name] => MLSPIN_HTE
            [raw] => 0
            [unit_id] => 260
            [value] => $0
            [price_only] => $0
        )

[field_3272] => Array
        (
            [field_id] => 3272
            [type] => text
            [name] => MLSPIN_LEAD_PAINT
            [value] => None
        )

[field_3277] => Array
        (
            [field_id] => 3277
            [type] => text
            [name] => MLSPIN_MAIN_LO
            [value] => B21201
        )

[field_3279] => Array
        (
            [field_id] => 3279
            [type] => text
            [name] => MLSPIN_MANAGEMENT
            [value] => Professional - Off Site,Owner Association
        )

[field_3280] => Array
        (
            [field_id] => 3280
            [type] => number
            [name] => MLSPIN_MARKET_TIME_PROPERTY
            [value] => 99
        )

[field_3281] => Array
        (
            [field_id] => 3281
            [type] => price
            [name] => MLSPIN_MGF
            [raw] => 0
            [unit_id] => 260
            [value] => $0
            [price_only] => $0
        )

[field_3282] => Array
        (
            [field_id] => 3282
            [type] => price
            [name] => MLSPIN_MSE
            [raw] => 0
            [unit_id] => 260
            [value] => $0
            [price_only] => $0
        )

[field_3284] => Array
        (
            [field_id] => 3284
            [type] => number
            [name] => MLSPIN_OH_FLAG
            [value] => 1
        )

[field_3285] => Array
        (
            [field_id] => 3285
            [type] => price
            [name] => MLSPIN_OPTIONAL_FEE
            [raw] => 0
            [unit_id] => 260
            [value] => $0
            [price_only] => $0
        )

[field_3290] => Array
        (
            [field_id] => 3290
            [type] => price
            [name] => MLSPIN_PRICE_PER_SQFT
            [raw] => 317.6
            [unit_id] => 260
            [value] => $318
            [price_only] => $318
        )

[field_3292] => Array
        (
            [field_id] => 3292
            [type] => price
            [name] => MLSPIN_RFS
            [raw] => 0
            [unit_id] => 260
            [value] => $0
            [price_only] => $0
        )

[field_3293] => Array
        (
            [field_id] => 3293
            [type] => price
            [name] => MLSPIN_RME
            [raw] => 0
            [unit_id] => 260
            [value] => $0
            [price_only] => $0
        )

[field_3294] => Array
        (
            [field_id] => 3294
            [type] => text
            [name] => MLSPIN_UNIT_BUILDING
            [value] => 35
        )

[field_3295] => Array
        (
            [field_id] => 3295
            [type] => select
            [name] => MLSPIN_WATERVIEW_FLAG
            [value] => No
        )

[field_3296] => Array
        (
            [field_id] => 3296
            [type] => select
            [name] => OpenParkingYN
            [value] => 1
        )

[field_3301] => Array
        (
            [field_id] => 3301
            [type] => select
            [name] => RoomMasterBathroomFeatures
            [value] => Yes
        )

[f_3304] => Array
        (
            [field_id] => 3304
            [type] => feature
            [name] => AssociationAmenities
            [values] => Array
                (
                    [0] => Clubhouse
                )

)

[field_3306] => Array
        (
            [field_id] => 3306
            [type] => price
            [name] => GrossScheduledIncome
            [raw] => 0
            [unit_id] => 260
            [value] => $0
            [price_only] => $0
        )

[field_3311] => Array
        (
            [field_id] => 3311
            [type] => number
            [name] => BRE_Total_Parking
            [value] => 2
        )

)

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35 Northridge Dr #35 North Reading. MA 01864

$499,900

General Information for 35 Northridge Dr, North Reading, Massachusetts 01864

Interior Features for 35 Northridge Dr, North Reading, Massachusetts 01864

Exterior Features for 35 Northridge Dr, North Reading, Massachusetts 01864

Disclosures for 35 Northridge Dr, North Reading, Massachusetts 01864

Financial Information for 35 Northridge Dr, North Reading, Massachusetts 01864

Lifestyle Information for 35 Northridge Dr, North Reading, Massachusetts 01864

Location information for 35 Northridge Dr, North Reading, Massachusetts 01864

Marketing History for 35 Northridge Dr, North Reading, Massachusetts 01864

Agent Information for 35 Northridge Dr, North Reading, Massachusetts 01864

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Exclusive Listing Agent

Priscilla Fitzgerald

Fitzgerald & Associates

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27 More Photos

Active

35 Northridge Dr #35 North Reading. MA 01864

$499,900

General Information for 35 Northridge Dr, North Reading, Massachusetts 01864

Interior Features for 35 Northridge Dr, North Reading, Massachusetts 01864

Exterior Features for 35 Northridge Dr, North Reading, Massachusetts 01864

Disclosures for 35 Northridge Dr, North Reading, Massachusetts 01864

Financial Information for 35 Northridge Dr, North Reading, Massachusetts 01864

Lifestyle Information for 35 Northridge Dr, North Reading, Massachusetts 01864

Location information for 35 Northridge Dr, North Reading, Massachusetts 01864

Marketing History for 35 Northridge Dr, North Reading, Massachusetts 01864

Agent Information for 35 Northridge Dr, North Reading, Massachusetts 01864

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Exclusive Listing Agent

Priscilla Fitzgerald

Fitzgerald & Associates

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