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
Gladman Way 40514 KY Property Records
Residential Property Data Records on
Gladman Way, 40514, KY
We found
64
addresses on Gladman Way, 40514, KY.
3717 Gladman Way
Lexington-Fayette, KY 40514
Estimated Value
$352,000
Estimated Equity
$352,000
Beds
N/A
Baths
2.5
Living Area
1,690 SqFt
Year Built
1977
Last Sale Date
10/27/2011
Purchase Price
$163,000
3800 Gladman Way
Lexington-Fayette, KY 40514
Estimated Value
$395,000
Estimated Equity
$232,848
Beds
N/A
Baths
2
Living Area
1,622 SqFt
Year Built
1976
Last Sale Date
10/20/2006
Purchase Price
$175,000
3804 Gladman Way
Lexington-Fayette, KY 40514
Estimated Value
$374,000
Estimated Equity
$374,000
Beds
4
Baths
2.5
Living Area
1,656 SqFt
Year Built
1976
Last Sale Date
10/12/2023
Purchase Price
$206,000
3805 Gladman Way
Lexington-Fayette, KY 40514
Estimated Value
$388,000
Estimated Equity
$388,000
Beds
N/A
Baths
2.5
Living Area
2,320 SqFt
Year Built
1977
Last Sale Date
N/A
Purchase Price
N/A
3808 Gladman Way
Lexington-Fayette, KY 40514
Estimated Value
$396,000
Estimated Equity
$396,000
Beds
N/A
Baths
2
Living Area
1,624 SqFt
Year Built
1978
Last Sale Date
N/A
Purchase Price
N/A
3809 Gladman Way
Lexington-Fayette, KY 40514
Estimated Value
$362,000
Estimated Equity
$362,000
Beds
N/A
Baths
2
Living Area
1,616 SqFt
Year Built
1976
Last Sale Date
N/A
Purchase Price
N/A
3812 Gladman Way
Lexington-Fayette, KY 40514
Estimated Value
$342,000
Estimated Equity
$135,450
Beds
3
Baths
2.5
Living Area
1,720 SqFt
Year Built
1978
Last Sale Date
9/11/2017
Purchase Price
$178,500
3813 Gladman Way
Lexington-Fayette, KY 40514
Estimated Value
$362,000
Estimated Equity
$348,589
Beds
N/A
Baths
2.5
Living Area
1,604 SqFt
Year Built
1976
Last Sale Date
N/A
Purchase Price
N/A
3816 Gladman Way
Lexington-Fayette, KY 40514
Estimated Value
$373,000
Estimated Equity
$373,000
Beds
N/A
Baths
2.5
Living Area
1,431 SqFt
Year Built
1977
Last Sale Date
N/A
Purchase Price
N/A
3817 Gladman Way
Lexington-Fayette, KY 40514
Estimated Value
$382,000
Estimated Equity
$382,000
Beds
N/A
Baths
2
Living Area
1,487 SqFt
Year Built
1976
Last Sale Date
N/A
Purchase Price
N/A
3820 Gladman Way
Lexington-Fayette, KY 40514
Estimated Value
$350,000
Estimated Equity
$97,680
Beds
3
Baths
2.5
Living Area
1,708 SqFt
Year Built
1977
Last Sale Date
3/25/2022
Purchase Price
$275,000
3821 Gladman Way
Lexington-Fayette, KY 40514
Estimated Value
$404,000
Estimated Equity
$404,000
Beds
4
Baths
2.5
Living Area
1,450 SqFt
Year Built
1976
Last Sale Date
8/31/2022
Purchase Price
$355,000
3824 Gladman Way
Lexington-Fayette, KY 40514
Estimated Value
$380,000
Estimated Equity
$380,000
Beds
N/A
Baths
2.5
Living Area
1,608 SqFt
Year Built
1979
Last Sale Date
N/A
Purchase Price
N/A
3825 Gladman Way
Lexington-Fayette, KY 40514
Estimated Value
$395,000
Estimated Equity
$395,000
Beds
N/A
Baths
2.5
Living Area
1,734 SqFt
Year Built
1976
Last Sale Date
N/A
Purchase Price
N/A
3828 Gladman Way
Lexington-Fayette, KY 40514
Estimated Value
$361,000
Estimated Equity
$361,000
Beds
N/A
Baths
2.5
Living Area
1,688 SqFt
Year Built
1976
Last Sale Date
N/A
Purchase Price
N/A
3829 Gladman Way
Lexington-Fayette, KY 40514
Estimated Value
$353,000
Estimated Equity
$167,418
Beds
4
Baths
3
Living Area
1,500 SqFt
Year Built
1976
Last Sale Date
10/31/2019
Purchase Price
$126,000
3832 Gladman Way
Lexington-Fayette, KY 40514
Estimated Value
$410,000
Estimated Equity
$254,122
Beds
4
Baths
3
Living Area
1,428 SqFt
Year Built
1976
Last Sale Date
7/29/2008
Purchase Price
$190,000
3833 Gladman Way
Lexington-Fayette, KY 40514
Estimated Value
$372,000
Estimated Equity
$372,000
Beds
N/A
Baths
2
Living Area
1,608 SqFt
Year Built
1979
Last Sale Date
N/A
Purchase Price
N/A
3836 Gladman Way
Lexington-Fayette, KY 40514
Estimated Value
$394,000
Estimated Equity
$123,795
Beds
3
Baths
2.5
Living Area
1,386 SqFt
Year Built
1976
Last Sale Date
6/17/2021
Purchase Price
$315,000
3837 Gladman Way
Lexington-Fayette, KY 40514
Estimated Value
$387,000
Estimated Equity
$387,000
Beds
N/A
Baths
2.5
Living Area
1,608 SqFt
Year Built
1979
Last Sale Date
N/A
Purchase Price
N/A
3840 Gladman Way
Lexington-Fayette, KY 40514
Estimated Value
$422,000
Estimated Equity
$97,245
Beds
N/A
Baths
2.5
Living Area
2,204 SqFt
Year Built
1977
Last Sale Date
N/A
Purchase Price
N/A
3841 Gladman Way
Lexington-Fayette, KY 40514
Estimated Value
$364,000
Estimated Equity
$275,764
Beds
N/A
Baths
2.5
Living Area
1,581 SqFt
Year Built
1977
Last Sale Date
N/A
Purchase Price
N/A
3844 Gladman Way
Lexington-Fayette, KY 40514
Estimated Value
$386,000
Estimated Equity
$315,459
Beds
N/A
Baths
2.5
Living Area
1,500 SqFt
Year Built
1976
Last Sale Date
N/A
Purchase Price
N/A
3848 Gladman Way
Lexington-Fayette, KY 40514
Estimated Value
$344,000
Estimated Equity
$221,333
Beds
4
Baths
2.5
Living Area
1,538 SqFt
Year Built
1976
Last Sale Date
3/11/2019
Purchase Price
$172,000
3852 Gladman Way
Lexington-Fayette, KY 40514
Estimated Value
$384,000
Estimated Equity
$147,876
Beds
4
Baths
2.5
Living Area
1,584 SqFt
Year Built
1976
Last Sale Date
N/A
Purchase Price
N/A
3853 Gladman Way
Lexington-Fayette, KY 40514
Estimated Value
$397,000
Estimated Equity
$351,143
Beds
N/A
Baths
2.5
Living Area
1,536 SqFt
Year Built
1976
Last Sale Date
N/A
Purchase Price
N/A
3856 Gladman Way
Lexington-Fayette, KY 40514
Estimated Value
$370,000
Estimated Equity
$346,836
Beds
N/A
Baths
2
Living Area
1,276 SqFt
Year Built
1976
Last Sale Date
N/A
Purchase Price
N/A
3857 Gladman Way
Lexington-Fayette, KY 40514
Estimated Value
$395,000
Estimated Equity
$395,000
Beds
4
Baths
3
Living Area
1,666 SqFt
Year Built
1976
Last Sale Date
N/A
Purchase Price
N/A
3860 Gladman Way
Lexington-Fayette, KY 40514
Estimated Value
$380,000
Estimated Equity
$263,123
Beds
4
Baths
2.5
Living Area
2,293 SqFt
Year Built
1976
Last Sale Date
3/4/2014
Purchase Price
$188,900
3861 Gladman Way
Lexington-Fayette, KY 40514
Estimated Value
$429,000
Estimated Equity
$343,222
Beds
N/A
Baths
2.5
Living Area
1,724 SqFt
Year Built
1978
Last Sale Date
N/A
Purchase Price
N/A
3865 Gladman Way
Lexington-Fayette, KY 40514
Estimated Value
$478,000
Estimated Equity
$203,093
Beds
5
Baths
3.5
Living Area
2,285 SqFt
Year Built
1977
Last Sale Date
8/15/2023
Purchase Price
$437,000
3868 Gladman Way
Lexington-Fayette, KY 40514
Estimated Value
$367,000
Estimated Equity
$367,000
Beds
N/A
Baths
3
Living Area
1,538 SqFt
Year Built
1976
Last Sale Date
N/A
Purchase Price
N/A
3869 Gladman Way
Lexington-Fayette, KY 40514
Estimated Value
$407,000
Estimated Equity
$240,847
Beds
N/A
Baths
3
Living Area
1,490 SqFt
Year Built
1976
Last Sale Date
N/A
Purchase Price
N/A
3872 Gladman Way
Lexington-Fayette, KY 40514
Estimated Value
$341,000
Estimated Equity
$341,000
Beds
3
Baths
2
Living Area
1,338 SqFt
Year Built
1976
Last Sale Date
7/19/2016
Purchase Price
$166,000
3873 Gladman Way
Lexington-Fayette, KY 40514
Estimated Value
$392,000
Estimated Equity
$320,052
Beds
N/A
Baths
2
Living Area
1,705 SqFt
Year Built
1978
Last Sale Date
N/A
Purchase Price
N/A
3877 Gladman Way
Lexington-Fayette, KY 40514
Estimated Value
$353,000
Estimated Equity
$228,768
Beds
N/A
Baths
2
Living Area
1,921 SqFt
Year Built
1978
Last Sale Date
N/A
Purchase Price
N/A
3881 Gladman Way
Lexington-Fayette, KY 40514
Estimated Value
$346,000
Estimated Equity
$57,687
Beds
4
Baths
2.5
Living Area
1,261 SqFt
Year Built
1976
Last Sale Date
8/1/2017
Purchase Price
$186,500
3885 Gladman Way
Lexington-Fayette, KY 40514
Estimated Value
$400,000
Estimated Equity
$297,198
Beds
3
Baths
2.5
Living Area
1,350 SqFt
Year Built
1976
Last Sale Date
9/11/2020
Purchase Price
$294,000
3888 Gladman Way
Lexington-Fayette, KY 40514
Estimated Value
$377,000
Estimated Equity
$137,266
Beds
4
Baths
3
Living Area
1,620 SqFt
Year Built
1976
Last Sale Date
1/6/2021
Purchase Price
$278,000
3889 Gladman Way
Lexington-Fayette, KY 40514
Estimated Value
$279,000
Estimated Equity
$279,000
Beds
3
Baths
2
Living Area
1,338 SqFt
Year Built
1977
Last Sale Date
10/25/2019
Purchase Price
$156,000
3892 Gladman Way
Lexington-Fayette, KY 40514
Estimated Value
$357,000
Estimated Equity
$296,554
Beds
N/A
Baths
1.5
Living Area
1,323 SqFt
Year Built
1976
Last Sale Date
N/A
Purchase Price
N/A
3893 Gladman Way
Lexington-Fayette, KY 40514
Estimated Value
$356,000
Estimated Equity
$40,993
Beds
N/A
Baths
1.5
Living Area
1,350 SqFt
Year Built
1976
Last Sale Date
12/2/2014
Purchase Price
$152,550
3896 Gladman Way
Lexington-Fayette, KY 40514
Estimated Value
$373,000
Estimated Equity
$373,000
Beds
4
Baths
2.5
Living Area
1,323 SqFt
Year Built
1976
Last Sale Date
5/6/2020
Purchase Price
$243,000
3897 Gladman Way
Lexington-Fayette, KY 40514
Estimated Value
$371,000
Estimated Equity
$130,733
Beds
3
Baths
2.5
Living Area
1,884 SqFt
Year Built
1976
Last Sale Date
N/A
Purchase Price
N/A
3900 Gladman Way
Lexington-Fayette, KY 40514
Estimated Value
$356,000
Estimated Equity
$300,574
Beds
3
Baths
2.5
Living Area
1,323 SqFt
Year Built
1976
Last Sale Date
N/A
Purchase Price
N/A
3901 Gladman Way
Lexington-Fayette, KY 40514
Estimated Value
$379,000
Estimated Equity
$379,000
Beds
3
Baths
3
Living Area
1,377 SqFt
Year Built
1976
Last Sale Date
12/28/2020
Purchase Price
$285,000
3904 Gladman Way
Lexington-Fayette, KY 40514
Estimated Value
$383,000
Estimated Equity
$354,924
Beds
N/A
Baths
2
Living Area
1,630 SqFt
Year Built
1977
Last Sale Date
N/A
Purchase Price
N/A
3905 Gladman Way
Lexington-Fayette, KY 40514
Estimated Value
$411,000
Estimated Equity
$411,000
Beds
4
Baths
3
Living Area
1,338 SqFt
Year Built
1976
Last Sale Date
6/16/2021
Purchase Price
$356,720
3908 Gladman Way
Lexington-Fayette, KY 40514
Estimated Value
$355,000
Estimated Equity
$274,280
Beds
3
Baths
2.5
Living Area
1,215 SqFt
Year Built
1976
Last Sale Date
N/A
Purchase Price
N/A
3909 Gladman Way
Lexington-Fayette, KY 40514
Estimated Value
$352,000
Estimated Equity
$40,744
Beds
3
Baths
2.5
Living Area
1,294 SqFt
Year Built
1976
Last Sale Date
3/28/2024
Purchase Price
$308,000
3912 Gladman Way
Lexington-Fayette, KY 40514
Estimated Value
$366,000
Estimated Equity
$199,531
Beds
N/A
Baths
2
Living Area
1,350 SqFt
Year Built
1976
Last Sale Date
N/A
Purchase Price
N/A
3916 Gladman Way
Lexington-Fayette, KY 40514
Estimated Value
$369,000
Estimated Equity
$369,000
Beds
N/A
Baths
2.5
Living Area
1,450 SqFt
Year Built
1977
Last Sale Date
N/A
Purchase Price
N/A
3917 Gladman Way
Lexington-Fayette, KY 40514
Estimated Value
$348,000
Estimated Equity
$251,440
Beds
N/A
Baths
2.5
Living Area
1,970 SqFt
Year Built
1976
Last Sale Date
N/A
Purchase Price
N/A
3920 Gladman Way
Lexington-Fayette, KY 40514
Estimated Value
$371,000
Estimated Equity
$321,594
Beds
4
Baths
3
Living Area
1,305 SqFt
Year Built
1977
Last Sale Date
1/5/2007
Purchase Price
$145,080
3921 Gladman Way
Lexington-Fayette, KY 40514
Estimated Value
$385,000
Estimated Equity
$385,000
Beds
4
Baths
2.5
Living Area
1,450 SqFt
Year Built
1977
Last Sale Date
2/2/2021
Purchase Price
$287,000
3924 Gladman Way
Lexington-Fayette, KY 40514
Estimated Value
$364,000
Estimated Equity
$277,365
Beds
N/A
Baths
2.5
Living Area
1,450 SqFt
Year Built
1977
Last Sale Date
N/A
Purchase Price
N/A
3925 Gladman Way
Lexington-Fayette, KY 40514
Estimated Value
$363,000
Estimated Equity
$363,000
Beds
N/A
Baths
2
Living Area
1,276 SqFt
Year Built
1977
Last Sale Date
N/A
Purchase Price
N/A
3928 Gladman Way
Lexington-Fayette, KY 40514
Estimated Value
$376,000
Estimated Equity
$195,689
Beds
3
Baths
2.5
Living Area
1,450 SqFt
Year Built
1977
Last Sale Date
12/13/2017
Purchase Price
$215,000
3929 Gladman Way
Lexington-Fayette, KY 40514
Estimated Value
$351,000
Estimated Equity
$351,000
Beds
N/A
Baths
2.5
Living Area
1,392 SqFt
Year Built
1977
Last Sale Date
N/A
Purchase Price
N/A
3932 Gladman Way
Lexington-Fayette, KY 40514
Estimated Value
$363,000
Estimated Equity
$106,089
Beds
4
Baths
2.5
Living Area
1,450 SqFt
Year Built
1977
Last Sale Date
5/15/2023
Purchase Price
$328,000
3933 Gladman Way
Lexington-Fayette, KY 40514
Estimated Value
$358,000
Estimated Equity
$244,691
Beds
3
Baths
2.5
Living Area
1,220 SqFt
Year Built
1976
Last Sale Date
8/24/2012
Purchase Price
$162,000
3937 Gladman Way
Lexington-Fayette, KY 40514
Estimated Value
$362,000
Estimated Equity
$362,000
Beds
4
Baths
2.5
Living Area
1,232 SqFt
Year Built
1976
Last Sale Date
6/7/2012
Purchase Price
$155,000
3941 Gladman Way
Lexington-Fayette, KY 40514
Estimated Value
$365,000
Estimated Equity
$365,000
Beds
N/A
Baths
2
Living Area
1,450 SqFt
Year Built
1977
Last Sale Date
N/A
Purchase Price
N/A
3945 Gladman Way
Lexington-Fayette, KY 40514
Estimated Value
$358,000
Estimated Equity
$308,697
Beds
3
Baths
2
Living Area
1,752 SqFt
Year Built
1976
Last Sale Date
N/A
Purchase Price
N/A
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
Gladman Way, 40514, KY
4109 Palomar Blvd
Lexington-Fayette, KY 40513
Estimated Value
$617,000
Estimated Equity
$315,364
Beds
4
Baths
3.5
Living Area
2,264 SqFt
Year Built
1988
Last Sale Date
10/2/2017
Purchase Price
$394,900
2249 Stone Garden Ln
Lexington-Fayette, KY 40513
Estimated Value
$323,000
Estimated Equity
$323,000
Beds
2
Baths
2
Living Area
1,726 SqFt
Year Built
1988
Last Sale Date
2/8/2011
Purchase Price
$180,000
2220 Valencia Dr
Lexington-Fayette, KY 40513
Estimated Value
$335,000
Estimated Equity
$335,000
Beds
3
Baths
2
Living Area
1,461 SqFt
Year Built
1993
Last Sale Date
12/11/2020
Purchase Price
$230,000
4219 Reserve Rd #104
Lexington-Fayette, KY 40514
Estimated Value
$231,000
Estimated Equity
$231,000
Beds
2
Baths
2
Living Area
1,041 SqFt
Year Built
2006
Last Sale Date
10/23/2023
Purchase Price
$160,600
4120 Amberwood Ct
Lexington-Fayette, KY 40513
Estimated Value
$589,000
Estimated Equity
$338,921
Beds
4
Baths
2.5
Living Area
2,902 SqFt
Year Built
1994
Last Sale Date
6/3/2015
Purchase Price
$335,000
3488 Grasmere Dr
Lexington-Fayette, KY 40503
Estimated Value
$417,000
Estimated Equity
$257,678
Beds
3
Baths
2.5
Living Area
2,199 SqFt
Year Built
1979
Last Sale Date
4/24/2012
Purchase Price
$184,000
4020 Palomar Blvd
Lexington-Fayette, KY 40513
Estimated Value
$630,000
Estimated Equity
$370,044
Beds
4
Baths
2.5
Living Area
2,688 SqFt
Year Built
1988
Last Sale Date
3/2/2009
Purchase Price
$315,000
3517 Robinhill Way
Lexington-Fayette, KY 40513
Estimated Value
$347,000
Estimated Equity
$239,682
Beds
3
Baths
2.5
Living Area
1,897 SqFt
Year Built
1996
Last Sale Date
9/16/2014
Purchase Price
$183,000
4005 Palmetto Springs Way
Lexington-Fayette, KY 40513
Estimated Value
$454,000
Estimated Equity
$50,010
Beds
3
Baths
3
Living Area
1,976 SqFt
Year Built
1994
Last Sale Date
8/30/2011
Purchase Price
$210,000
2149 Mangrove Dr
Lexington-Fayette, KY 40513
Estimated Value
$314,000
Estimated Equity
$176,162
Beds
2
Baths
2
Living Area
1,648 SqFt
Year Built
1998
Last Sale Date
3/24/2014
Purchase Price
$190,000
1821 Hopemont Ct
Lexington-Fayette, KY 40514
Estimated Value
$395,000
Estimated Equity
$395,000
Beds
3
Baths
3
Living Area
1,595 SqFt
Year Built
1979
Last Sale Date
6/18/2020
Purchase Price
$252,900
2249 Shannawood Dr
Lexington-Fayette, KY 40513
Estimated Value
$548,000
Estimated Equity
$548,000
Beds
3
Baths
3
Living Area
2,474 SqFt
Year Built
1993
Last Sale Date
12/6/2024
Purchase Price
$568,500
4184 Clemens Dr
Lexington-Fayette, KY 40514
Estimated Value
$387,000
Estimated Equity
$48,005
Beds
3
Baths
3.5
Living Area
1,895 SqFt
Year Built
1992
Last Sale Date
10/18/2024
Purchase Price
$425,000
4218 Reserve Rd #202
Lexington-Fayette, KY 40514
Estimated Value
$194,000
Estimated Equity
$194,000
Beds
3
Baths
2
Living Area
1,445 SqFt
Year Built
2006
Last Sale Date
5/5/2016
Purchase Price
$95,000
2224 Stone Garden Ln
Lexington-Fayette, KY 40513
Estimated Value
$353,000
Estimated Equity
$353,000
Beds
3
Baths
2.5
Living Area
1,822 SqFt
Year Built
1988
Last Sale Date
12/28/2015
Purchase Price
$219,000
4037 Palomar Blvd
Lexington-Fayette, KY 40513
Estimated Value
$717,000
Estimated Equity
$375,257
Beds
4
Baths
4.5
Living Area
2,768 SqFt
Year Built
1989
Last Sale Date
8/11/2017
Purchase Price
$425,000
Streets Near
Gladman Way, 40514, KY
Street
Properties
Avg. Beds
Avg. Baths
Avg. Property Value
Avg. Property Size
Last Sale Date
Blenheim Way
92
4
3
$559,826
2,738 Sq.Ft.
10/10/2024
Clemens Dr
77
3
2
$377,558
1,562 Sq.Ft.
10/18/2024
Cornwall Dr
81
4
2
$494,101
2,968 Sq.Ft.
3/17/2025
Forsythe Dr
162
3
2
$362,228
1,638 Sq.Ft.
3/28/2025
Fort Harrods Dr
130
3
2
$436,427
2,321 Sq.Ft.
2/28/2025
Grasmere Dr
89
4
3
$470,393
2,241 Sq.Ft.
10/1/2024
Lyon Dr
140
4
3
$448,743
2,414 Sq.Ft.
3/21/2025
Palmetto Dr
104
4
3
$529,574
2,470 Sq.Ft.
11/20/2024
Rabbits Foot Trl
132
3
3
$676,677
2,693 Sq.Ft.
10/8/2024
Wellington Way
206
3
2
$476,168
2,653 Sq.Ft.
10/9/2024
Additional Questions?
Looking for off-market properties in 40514, KY?
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 40514, KY 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 40514, KY?
The median home value in 40514, KY is $361,000, with an average home value of $377,870. The average price per square foot for homes in the area is $148.64.
How Can I Find Pre-foreclosures or Distressed Properties in 40514, KY?
Foreclosures and distressed properties in 40514, KY 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