Try our
Lite Plan
for only $29 a month
Free Trial
Search
Features
Pricing
Customers
Contact
Log In
FREE Trial
Home
Search
Features
Pricing
Customers
About Us
Contact
Log In
Jayne St Lone Tree IA Property Records
Residential Property Data Records on
Jayne St, Lone Tree, IA
We found
68
addresses on Jayne St, Lone Tree, IA.
102 W Jayne St
Lone Tree, IA 52755
Estimated Value
N/A
Estimated Equity
N/A
Beds
N/A
Baths
N/A
Living Area
4,380 SqFt
Year Built
1974
Last Sale Date
N/A
Purchase Price
N/A
103 W Jayne St
Lone Tree, IA 52755
Estimated Value
$116,000
Estimated Equity
$116,000
Beds
N/A
Baths
N/A
Living Area
N/A
Year Built
N/A
Last Sale Date
9/9/2010
Purchase Price
$70,000
104 W Jayne St
Lone Tree, IA 52755
Estimated Value
N/A
Estimated Equity
N/A
Beds
N/A
Baths
N/A
Living Area
2,640 SqFt
Year Built
1880
Last Sale Date
N/A
Purchase Price
N/A
105 W Jayne St
Lone Tree, IA 52755
Estimated Value
$173,000
Estimated Equity
$173,000
Beds
N/A
Baths
1.5
Living Area
1,314 SqFt
Year Built
1900
Last Sale Date
N/A
Purchase Price
N/A
106 E Jayne St
Lone Tree, IA 52755
Estimated Value
$186,000
Estimated Equity
$186,000
Beds
N/A
Baths
1
Living Area
N/A
Year Built
2016
Last Sale Date
N/A
Purchase Price
N/A
106 W Jayne St
Lone Tree, IA 52755
Estimated Value
$187,000
Estimated Equity
$79,070
Beds
3
Baths
2
Living Area
1,680 SqFt
Year Built
1900
Last Sale Date
5/2/2006
Purchase Price
$95,000
107 E Jayne St
Lone Tree, IA 52755
Estimated Value
N/A
Estimated Equity
N/A
Beds
N/A
Baths
N/A
Living Area
4,200 SqFt
Year Built
1981
Last Sale Date
11/30/2023
Purchase Price
$55,000
107 W Jayne St
Lone Tree, IA 52755
Estimated Value
$188,000
Estimated Equity
$188,000
Beds
3
Baths
2.5
Living Area
1,412 SqFt
Year Built
1912
Last Sale Date
N/A
Purchase Price
N/A
108 W Jayne St
Lone Tree, IA 52755
Estimated Value
$180,000
Estimated Equity
$180,000
Beds
3
Baths
1
Living Area
1,693 SqFt
Year Built
1872
Last Sale Date
N/A
Purchase Price
N/A
109 E Jayne St
Lone Tree, IA 52755
Estimated Value
$181,000
Estimated Equity
$181,000
Beds
2
Baths
2
Living Area
884 SqFt
Year Built
1992
Last Sale Date
N/A
Purchase Price
N/A
109 W Jayne St
Lone Tree, IA 52755
Estimated Value
N/A
Estimated Equity
N/A
Beds
N/A
Baths
N/A
Living Area
1,680 SqFt
Year Built
1953
Last Sale Date
6/28/2012
Purchase Price
$40,000
110 E Jayne St
Lone Tree, IA 52755
Estimated Value
$182,000
Estimated Equity
$43,143
Beds
3
Baths
2
Living Area
1,530 SqFt
Year Built
1920
Last Sale Date
4/8/2021
Purchase Price
$150,000
110 W Jayne St
Lone Tree, IA 52755
Estimated Value
$285,000
Estimated Equity
$285,000
Beds
4
Baths
2.5
Living Area
1,428 SqFt
Year Built
1963
Last Sale Date
N/A
Purchase Price
N/A
111 E Jayne St
Lone Tree, IA 52755
Estimated Value
$250,000
Estimated Equity
$108,477
Beds
3
Baths
3
Living Area
2,090 SqFt
Year Built
1948
Last Sale Date
5/1/2013
Purchase Price
$35,000
111 W Jayne St
Lone Tree, IA 52755
Estimated Value
$173,000
Estimated Equity
$173,000
Beds
2
Baths
1.5
Living Area
1,592 SqFt
Year Built
1900
Last Sale Date
2/26/2013
Purchase Price
$70,000
112 W Jayne St
Lone Tree, IA 52755
Estimated Value
$177,000
Estimated Equity
$177,000
Beds
4
Baths
1
Living Area
1,408 SqFt
Year Built
1897
Last Sale Date
N/A
Purchase Price
N/A
115 W Jayne St
Lone Tree, IA 52755
Estimated Value
$190,000
Estimated Equity
$108,546
Beds
2
Baths
1.5
Living Area
1,136 SqFt
Year Built
1974
Last Sale Date
N/A
Purchase Price
N/A
117 W Jayne St
Lone Tree, IA 52755
Estimated Value
$153,000
Estimated Equity
$153,000
Beds
3
Baths
1
Living Area
1,163 SqFt
Year Built
1900
Last Sale Date
N/A
Purchase Price
N/A
200 E Jayne St
Lone Tree, IA 52755
Estimated Value
$246,000
Estimated Equity
$246,000
Beds
3
Baths
2.5
Living Area
1,568 SqFt
Year Built
1981
Last Sale Date
N/A
Purchase Price
N/A
200 W Jayne St
Lone Tree, IA 52755
Estimated Value
$151,000
Estimated Equity
$151,000
Beds
3
Baths
1
Living Area
1,228 SqFt
Year Built
1951
Last Sale Date
1/10/2005
Purchase Price
$83,000
201 E Jayne St
Lone Tree, IA 52755
Estimated Value
$188,000
Estimated Equity
$188,000
Beds
3
Baths
2.5
Living Area
1,590 SqFt
Year Built
1900
Last Sale Date
N/A
Purchase Price
N/A
201 W Jayne St
Lone Tree, IA 52755
Estimated Value
$165,000
Estimated Equity
$88,076
Beds
3
Baths
1
Living Area
1,367 SqFt
Year Built
1900
Last Sale Date
8/15/2022
Purchase Price
$62,000
202 W Jayne St
Lone Tree, IA 52755
Estimated Value
$194,000
Estimated Equity
$77,471
Beds
3
Baths
2.5
Living Area
1,448 SqFt
Year Built
1900
Last Sale Date
7/20/2020
Purchase Price
$161,500
204 E Jayne St
Lone Tree, IA 52755
Estimated Value
$242,000
Estimated Equity
$214,108
Beds
5
Baths
2.5
Living Area
2,215 SqFt
Year Built
1900
Last Sale Date
N/A
Purchase Price
N/A
204 W Jayne St
Lone Tree, IA 52755
Estimated Value
$146,000
Estimated Equity
$91,613
Beds
2
Baths
1
Living Area
864 SqFt
Year Built
1975
Last Sale Date
5/11/2010
Purchase Price
$75,000
205 E Jayne St
Lone Tree, IA 52755
Estimated Value
$197,000
Estimated Equity
$65,618
Beds
2
Baths
2
Living Area
1,120 SqFt
Year Built
1953
Last Sale Date
12/23/2021
Purchase Price
$157,000
205 W Jayne St
Lone Tree, IA 52755
Estimated Value
$228,000
Estimated Equity
$125,040
Beds
1
Baths
2
Living Area
1,791 SqFt
Year Built
1923
Last Sale Date
7/17/2009
Purchase Price
$90,000
206 E Jayne St
Lone Tree, IA 52755
Estimated Value
$179,000
Estimated Equity
$27,292
Beds
4
Baths
1.5
Living Area
1,980 SqFt
Year Built
1914
Last Sale Date
5/7/2024
Purchase Price
$170,000
207 E Jayne St
Lone Tree, IA 52755
Estimated Value
$201,000
Estimated Equity
$39,257
Beds
2
Baths
1
Living Area
1,504 SqFt
Year Built
1900
Last Sale Date
7/30/2018
Purchase Price
$149,500
207 W Jayne St
Lone Tree, IA 52755
Estimated Value
$172,000
Estimated Equity
$63,916
Beds
2
Baths
2
Living Area
2,184 SqFt
Year Built
1900
Last Sale Date
7/26/2016
Purchase Price
$124,000
208 W Jayne St
Lone Tree, IA 52755
Estimated Value
$358,000
Estimated Equity
$8,585
Beds
5
Baths
3
Living Area
1,917 SqFt
Year Built
2014
Last Sale Date
9/29/2023
Purchase Price
$375,000
210 E Jayne St
Lone Tree, IA 52755
Estimated Value
$244,000
Estimated Equity
$9,033
Beds
4
Baths
2
Living Area
2,038 SqFt
Year Built
1914
Last Sale Date
6/5/2018
Purchase Price
$196,500
211 E Jayne St
Lone Tree, IA 52755
Estimated Value
$210,000
Estimated Equity
$83,567
Beds
3
Baths
1.5
Living Area
1,724 SqFt
Year Built
1926
Last Sale Date
10/27/2017
Purchase Price
$152,000
211 W Jayne St
Lone Tree, IA 52755
Estimated Value
$236,000
Estimated Equity
$168,849
Beds
3
Baths
3
Living Area
1,658 SqFt
Year Built
1900
Last Sale Date
4/26/2012
Purchase Price
$151,000
212 W Jayne St
Lone Tree, IA 52755
Estimated Value
$172,000
Estimated Equity
$96,257
Beds
3
Baths
2
Living Area
1,688 SqFt
Year Built
1850
Last Sale Date
5/15/2020
Purchase Price
$110,000
215 W Jayne St
Lone Tree, IA 52755
Estimated Value
$176,000
Estimated Equity
$176,000
Beds
4
Baths
1.5
Living Area
2,026 SqFt
Year Built
1900
Last Sale Date
9/22/2017
Purchase Price
$102,500
216 W Jayne St
Lone Tree, IA 52755
Estimated Value
$433,000
Estimated Equity
$433,000
Beds
N/A
Baths
2
Living Area
1,723 SqFt
Year Built
1964
Last Sale Date
N/A
Purchase Price
N/A
300 E Jayne St
Lone Tree, IA 52755
Estimated Value
$207,000
Estimated Equity
$145,087
Beds
2
Baths
1.5
Living Area
1,695 SqFt
Year Built
1900
Last Sale Date
N/A
Purchase Price
N/A
300 W Jayne St
Lone Tree, IA 52755
Estimated Value
$201,000
Estimated Equity
$27,914
Beds
2
Baths
1.5
Living Area
1,566 SqFt
Year Built
1900
Last Sale Date
3/1/2022
Purchase Price
$185,000
301 E Jayne St
Lone Tree, IA 52755
Estimated Value
$212,000
Estimated Equity
$106,308
Beds
4
Baths
2.5
Living Area
1,680 SqFt
Year Built
1900
Last Sale Date
5/24/2021
Purchase Price
$115,000
302 W Jayne St
Lone Tree, IA 52755
Estimated Value
$155,000
Estimated Equity
$36,511
Beds
2
Baths
1
Living Area
1,176 SqFt
Year Built
1900
Last Sale Date
1/25/2018
Purchase Price
$102,000
303 E Jayne St
Lone Tree, IA 52755
Estimated Value
$167,000
Estimated Equity
$105,464
Beds
N/A
Baths
1
Living Area
768 SqFt
Year Built
1960
Last Sale Date
7/27/2008
Purchase Price
$89,000
304 W Jayne St
Lone Tree, IA 52755
Estimated Value
$163,000
Estimated Equity
$163,000
Beds
N/A
Baths
1
Living Area
1,352 SqFt
Year Built
1900
Last Sale Date
N/A
Purchase Price
N/A
305 W Jayne St
Lone Tree, IA 52755
Estimated Value
$168,000
Estimated Equity
$3,237
Beds
2
Baths
2
Living Area
1,203 SqFt
Year Built
1900
Last Sale Date
8/8/2024
Purchase Price
$162,000
306 E Jayne St
Lone Tree, IA 52755
Estimated Value
$195,000
Estimated Equity
$117,855
Beds
4
Baths
1
Living Area
1,558 SqFt
Year Built
1900
Last Sale Date
3/12/2020
Purchase Price
$65,000
307 E Jayne St
Lone Tree, IA 52755
Estimated Value
$288,000
Estimated Equity
$288,000
Beds
3
Baths
2
Living Area
2,654 SqFt
Year Built
1900
Last Sale Date
N/A
Purchase Price
N/A
308 E Jayne St
Lone Tree, IA 52755
Estimated Value
$188,000
Estimated Equity
$188,000
Beds
N/A
Baths
1.5
Living Area
1,236 SqFt
Year Built
1900
Last Sale Date
N/A
Purchase Price
N/A
308 W Jayne St
Lone Tree, IA 52755
Estimated Value
$157,000
Estimated Equity
$157,000
Beds
2
Baths
2
Living Area
1,680 SqFt
Year Built
1900
Last Sale Date
9/17/2021
Purchase Price
$12,000
310 E Jayne St
Lone Tree, IA 52755
Estimated Value
$287,000
Estimated Equity
$219,105
Beds
4
Baths
2
Living Area
2,550 SqFt
Year Built
1911
Last Sale Date
N/A
Purchase Price
N/A
310 W Jayne St
Lone Tree, IA 52755
Estimated Value
$138,000
Estimated Equity
$63,823
Beds
2
Baths
1
Living Area
720 SqFt
Year Built
1900
Last Sale Date
9/19/2019
Purchase Price
$86,000
311 E Jayne St
Lone Tree, IA 52755
Estimated Value
$163,000
Estimated Equity
$48,887
Beds
3
Baths
1
Living Area
1,792 SqFt
Year Built
1892
Last Sale Date
2/24/2022
Purchase Price
$135,000
311 W Jayne St
Lone Tree, IA 52755
Estimated Value
$166,000
Estimated Equity
$166,000
Beds
3
Baths
1
Living Area
1,444 SqFt
Year Built
1900
Last Sale Date
7/6/2015
Purchase Price
$110,000
312 W Jayne St
Lone Tree, IA 52755
Estimated Value
$97,000
Estimated Equity
$97,000
Beds
N/A
Baths
1
Living Area
784 SqFt
Year Built
1973
Last Sale Date
N/A
Purchase Price
N/A
313 W Jayne St
Lone Tree, IA 52755
Estimated Value
$145,000
Estimated Equity
$145,000
Beds
4
Baths
1
Living Area
1,200 SqFt
Year Built
1900
Last Sale Date
N/A
Purchase Price
N/A
315 W Jayne St
Lone Tree, IA 52755
Estimated Value
$178,000
Estimated Equity
$122,887
Beds
4
Baths
2
Living Area
1,736 SqFt
Year Built
1992
Last Sale Date
9/23/2009
Purchase Price
$99,000
316 W Jayne St
Lone Tree, IA 52755
Estimated Value
$186,000
Estimated Equity
$101,000
Beds
3
Baths
1
Living Area
1,650 SqFt
Year Built
1900
Last Sale Date
11/11/2015
Purchase Price
$50,000
317 W Jayne St
Lone Tree, IA 52755
Estimated Value
$176,000
Estimated Equity
$176,000
Beds
2
Baths
1.5
Living Area
1,736 SqFt
Year Built
1900
Last Sale Date
N/A
Purchase Price
N/A
400 E Jayne St
Lone Tree, IA 52755
Estimated Value
$190,000
Estimated Equity
$152,067
Beds
5
Baths
1.5
Living Area
2,048 SqFt
Year Built
1915
Last Sale Date
N/A
Purchase Price
N/A
401 E Jayne St
Lone Tree, IA 52755
Estimated Value
$231,000
Estimated Equity
$231,000
Beds
4
Baths
2.5
Living Area
2,528 SqFt
Year Built
1887
Last Sale Date
N/A
Purchase Price
N/A
402 E Jayne St
Lone Tree, IA 52755
Estimated Value
$142,000
Estimated Equity
$142,000
Beds
N/A
Baths
1
Living Area
840 SqFt
Year Built
1900
Last Sale Date
N/A
Purchase Price
N/A
404 E Jayne St
Lone Tree, IA 52755
Estimated Value
$211,000
Estimated Equity
$158,438
Beds
3
Baths
1
Living Area
1,514 SqFt
Year Built
1913
Last Sale Date
4/19/2005
Purchase Price
$94,000
405 E Jayne St
Lone Tree, IA 52755
Estimated Value
$117,000
Estimated Equity
$117,000
Beds
2
Baths
2
Living Area
1,012 SqFt
Year Built
1900
Last Sale Date
5/18/2021
Purchase Price
N/A
407 E Jayne St
Lone Tree, IA 52755
Estimated Value
$244,000
Estimated Equity
$129,924
Beds
3
Baths
3
Living Area
2,314 SqFt
Year Built
1902
Last Sale Date
5/30/2013
Purchase Price
$133,000
410 E Jayne St
Lone Tree, IA 52755
Estimated Value
$365,000
Estimated Equity
$230,796
Beds
3
Baths
1
Living Area
1,252 SqFt
Year Built
1900
Last Sale Date
7/22/2024
Purchase Price
$155,000
411 E Jayne St
Lone Tree, IA 52755
Estimated Value
$193,000
Estimated Equity
$193,000
Beds
3
Baths
2
Living Area
1,574 SqFt
Year Built
1900
Last Sale Date
3/10/2023
Purchase Price
$98,507
501 E Jayne St
Lone Tree, IA 52755
Estimated Value
$92,000
Estimated Equity
$92,000
Beds
N/A
Baths
N/A
Living Area
N/A
Year Built
N/A
Last Sale Date
N/A
Purchase Price
N/A
503 E Jayne St
Lone Tree, IA 52755
Estimated Value
$165,000
Estimated Equity
$165,000
Beds
2
Baths
1
Living Area
1,040 SqFt
Year Built
1900
Last Sale Date
N/A
Purchase Price
N/A
505 E Jayne St
Lone Tree, IA 52755
Estimated Value
$251,000
Estimated Equity
$61,769
Beds
3
Baths
1.5
Living Area
1,812 SqFt
Year Built
1900
Last Sale Date
7/14/2021
Purchase Price
$200,000
7 Day FREE Trial Gives You Complete Data Access
Property Lookup
Retrieve an in-depth view of a property’s characteristics and situational data.
Owner Lookup
Lookup by name or number to view all properties historically linked to an individual.
Property Search
Search for a list of properties based on location and 130+ criteria filters.
Owner Contact Information
Access phone numbers and email addresses associated with property owners, relatives and associates.
Property Comps
Pull a list of property comparables using multi-sourced data and stackable filters.
Market Trends
View a variety of up-to-date market trends and statistics by location.
Get Started Today
Investment Properties near on
Jayne St, Lone Tree, IA
113 W Commercial St
Lone Tree, IA 52755
Estimated Value
$239,000
Estimated Equity
$239,000
Beds
2
Baths
1
Living Area
1,320 SqFt
Year Built
1900
Last Sale Date
2/24/2011
Purchase Price
$5,000
317 Taylor Dr
Lone Tree, IA 52755
Estimated Value
$250,000
Estimated Equity
$161,718
Beds
4
Baths
2
Living Area
1,155 SqFt
Year Built
2011
Last Sale Date
12/23/2011
Purchase Price
$180,000
224 Taylor Dr
Lone Tree, IA 52755
Estimated Value
$286,000
Estimated Equity
$83,057
Beds
3
Baths
2
Living Area
1,040 SqFt
Year Built
2011
Last Sale Date
8/31/2020
Purchase Price
$224,000
518 S Devoe St
Lone Tree, IA 52755
Estimated Value
$217,000
Estimated Equity
$119,592
Beds
2
Baths
2.5
Living Area
1,448 SqFt
Year Built
1962
Last Sale Date
5/2/2018
Purchase Price
$162,000
305 E Elm St
Lone Tree, IA 52755
Estimated Value
$164,000
Estimated Equity
$16,612
Beds
3
Baths
1
Living Area
1,617 SqFt
Year Built
1929
Last Sale Date
10/19/2023
Purchase Price
$148,500
300 S Devoe St
Lone Tree, IA 52755
Estimated Value
$134,000
Estimated Equity
$52,536
Beds
2
Baths
1
Living Area
1,124 SqFt
Year Built
1950
Last Sale Date
2/3/2021
Purchase Price
$100,000
301 S Center St
Lone Tree, IA 52755
Estimated Value
$201,000
Estimated Equity
$121,618
Beds
3
Baths
2
Living Area
1,549 SqFt
Year Built
1900
Last Sale Date
11/16/2010
Purchase Price
$169,000
231 Taylor Dr
Lone Tree, IA 52755
Estimated Value
$240,000
Estimated Equity
$207,226
Beds
3
Baths
2
Living Area
1,119 SqFt
Year Built
2011
Last Sale Date
3/15/2011
Purchase Price
$25,000
515 S Riggs St
Lone Tree, IA 52755
Estimated Value
$175,000
Estimated Equity
$39,985
Beds
3
Baths
2
Living Area
1,152 SqFt
Year Built
1900
Last Sale Date
8/18/2021
Purchase Price
$148,000
300 W Jayne St
Lone Tree, IA 52755
Estimated Value
$201,000
Estimated Equity
$27,914
Beds
2
Baths
1.5
Living Area
1,566 SqFt
Year Built
1900
Last Sale Date
3/1/2022
Purchase Price
$185,000
202 W Elm St
Lone Tree, IA 52755
Estimated Value
$257,000
Estimated Equity
$-25,176
Beds
3
Baths
1.5
Living Area
1,649 SqFt
Year Built
1900
Last Sale Date
6/29/2022
Purchase Price
$229,000
404 S Devoe St
Lone Tree, IA 52755
Estimated Value
$332,000
Estimated Equity
$332,000
Beds
3
Baths
3
Living Area
1,614 SqFt
Year Built
1994
Last Sale Date
9/30/2013
Purchase Price
$215,000
300 W Dougherty Dr
Lone Tree, IA 52755
Estimated Value
$224,000
Estimated Equity
$104,616
Beds
3
Baths
2
Living Area
1,288 SqFt
Year Built
1982
Last Sale Date
8/20/2015
Purchase Price
$146,000
211 W Jayne St
Lone Tree, IA 52755
Estimated Value
$236,000
Estimated Equity
$168,849
Beds
3
Baths
3
Living Area
1,658 SqFt
Year Built
1900
Last Sale Date
4/26/2012
Purchase Price
$151,000
407 E Jayne St
Lone Tree, IA 52755
Estimated Value
$244,000
Estimated Equity
$129,924
Beds
3
Baths
3
Living Area
2,314 SqFt
Year Built
1902
Last Sale Date
5/30/2013
Purchase Price
$133,000
401 S Center St
Lone Tree, IA 52755
Estimated Value
$164,000
Estimated Equity
$5,147
Beds
3
Baths
1.5
Living Area
1,672 SqFt
Year Built
1900
Last Sale Date
4/3/2017
Purchase Price
$107,000
Streets Near
Jayne St, Lone Tree, IA
Street
Properties
Avg. Beds
Avg. Baths
Avg. Property Value
Avg. Property Size
Last Sale Date
Brady St
49
3
2
$252,341
1,425 Sq.Ft.
11/15/2024
Center St
42
3
2
$212,025
1,663 Sq.Ft.
4/28/2023
Devoe St
71
3
2
$219,761
3,629 Sq.Ft.
3/25/2025
Dougherty Dr
44
3
2
$215,705
1,226 Sq.Ft.
9/26/2023
Elm St
60
3
2
$196,207
1,682 Sq.Ft.
7/24/2024
Main St
51
3
2
$240,229
3,795 Sq.Ft.
8/22/2024
Perkins St
64
2
2
$197,370
2,130 Sq.Ft.
2/15/2025
Sand Rd
70
3
2
$347,759
2,131 Sq.Ft.
9/19/2023
Vine Ave
54
3
3
$397,406
1,927 Sq.Ft.
6/14/2024
Walnut Ave
76
2
2
$197,070
2,283 Sq.Ft.
5/8/2024
Additional Questions?
Looking for off-market properties in Lone Tree, IA?
Traditional methods include networking with contractors, scouting neighborhoods ("driving for dollars"), or purchasing leads from wholesalers can be tedious. PropertyReach streamlines this process with predictive analytics and neighborhood benchmarks, using Lone Tree, IA property records and MLS failed listings to refine your search. Effortlessly compare properties, access owner contact details, and secure the best off-market deals at the right price.
What is the median home value in Lone Tree, IA?
The median home value in Lone Tree, IA is $228,000, with an average home value of $255,012. The average price per square foot for homes in the area is $113.31.
How Can I Find Pre-foreclosures or Distressed Properties in Lone Tree, IA?
Foreclosures and distressed properties in Lone Tree, IA can be found through public records, foreclosure notices, and auction announcements from the county clerk or sheriff’s office. PropertyReach streamlines this by aggregating public and MLS data, making it easier to identify distressed properties and connect with owners directly.
Try PropertyReach for FREE