North Bay Condo

(617 relevant results)
Sort by
Apartment for sale: 330 SIXTH Avenue W Unit# 503, North Bay

24 photos

$224,900

330 Sixth Avenue W Unit# 503, North Bay, Ontario P1B 9G1

1 beds
1 baths
7 days

Cassells to Sixth Ave. West (building behind Tim Horton's) Centrally located renovated spacious one bedroom condo in North Bay, Ontario. The building and unit has seen many upgrades over the years. The building is a security building that has been re-sided, insulated, upgraded windows, and

Apartment for sale: 40 JUDGE Avenue Unit# 19, North Bay

43 photos

$259,900

40 Judge Avenue Unit# 19, North Bay, Ontario P1A 1B4

2 beds
1 baths
49 days

Lakeshore Drive to Judge Avenue. This is an amazing recreational beachfront condo with excellent views of the lake. Look no further than this 2 bedroom, 1 bathroom WATERFRONT condominium on the beautiful sandy shores of Lake Nipissing. This place has it all. Tucked away, this little piece of

Apartment for sale: 810 MAIN Street W Unit# 302, North Bay

25 photos

$259,900

810 Main Street W Unit# 302, North Bay, Ontario P1B 2V9

2 beds
1 baths
5 days

Take Cassells West to Main, right on Main W. Condo Build on your right hand side corner of Durril and Main West. Welcome to this beautifully maintained, adult-only brick condominium! This sunlit open-concept condo features modern upgrades, includes a contemporary kitchen and updated flooring.

Row / Townhouse for sale: 604 BANNER Avenue Unit# 14, North Bay

31 photos

$289,900

604 Banner Avenue Unit# 14, North Bay, Ontario P1A 1X8

3 beds
2 baths
17 days

LAKESHORE DRIVE TO BANNER AVENUE. NEAR CHURCHILL'S RESTAURANT. WELCOME TO THE SUNSET STRIP OF NORTH BAY. DESIREABLE SUNSET CONDOMINIUMS JUST A SHORT WALK TO SANDY SUNSET BEACH & PARK ON BEAUTIFUL LAKE NIPISSING. DINE NEXT DOOR AT UPSCALE CHURCHILL'S FINE DINING. THIS 3 BEDROOM 1 1/2 BATH CONDO

Apartment for sale: 537 ANN Street Unit# C, North Bay

39 photos

$399,900

537 Ann Street Unit# C, North Bay, Ontario P1B 5L4

2 beds
2 baths
44 days

ALGONQUIN AVE TO FRONT STREET, LEFT ON ANN STREET. Imagine living in a beautiful, recently built home with gorgeous finishings, high end appliances and having all your exterior maintenance obligations taken care of for you. This is your opportunity! This fantastic 2 bedroom 1.5 bath condo has

Apartment for sale: 161 LINDSAY Street Unit# 406, North Bay

38 photos

$339,900

161 Lindsay Street Unit# 406, North Bay, Ontario P1B 8P6

2 beds
1 baths
13 days

Giroux St to Johnston Rd to Lindsay St. Welcome to Woodlands II Condominium located in the heart of the popular neighbourhood known as Graniteville. This condominium unit is 820 sq/ft and features an updated floorplan that includes a spacious primary bedroom and a den. The den provides the

Apartment for sale: 624 LAKESHORE Drive Unit# 1, North Bay

39 photos

$369,900

624 Lakeshore Drive Unit# 1, North Bay, Ontario P1A 2E8

2 beds
2 baths
5 days

LAKESHORE DRIVE ACROSS FROM CHURCHHILLS RESTAURANT. Welcome to Emerald Woods Located across from Sunset Beach on the Beautiful Shores of Lake Nipissing, this 2 Bedroom condo features 1900 s.f of finished living space. This split-entry bungalow features an open concept kitchen area with the

Row / Townhouse for sale: 604 BANNER Avenue Unit# 3, North Bay

47 photos

$299,999

604 Banner Avenue Unit# 3, North Bay, Ontario P1A 1X8

3 beds
2 baths
13 days

LAKESHORE DRIVE TO BANNER Discover your ideal lifestyle in this move-in ready 3-bedroom, pet-friendly townhome/condominium, located directly across from picturesque Lake Nipissing. Enjoy lake views from your back deck (between the homes across the street)—perfect for capturing photos of

Row / Townhouse for sale: 893 LAKESHORE Drive Unit# 9, North Bay

6 photos

$229,900

893 Lakeshore Drive Unit# 9, North Bay, Ontario P1A 2H1

3 beds
2 baths
44 days

Lakeshore Drive turn right into 893 unit at the back with sign on property. Welcome to 893 Unit 9 Lakeshore Dr, a well maintained condo/townhouse community on a quiet strip with a rural and generously treed feel. This 3 bedroom 2 full bath townhouse features a full walk out basement with separate

Row / Townhouse for sale: 850 LAKESHORE Drive Unit# 19, North Bay

37 photos

$269,900

850 Lakeshore Drive Unit# 19, North Bay, Ontario P1A 2G8

3 beds
1 baths
5 days

Lakeshore Drive to 850 Lakeshore Drive. Turn into complex and unit second on the left Discover this beautifully upgraded two-storey townhouse, offering an ideal blend of style and convenience. Upstairs, you’ll find three spacious bedrooms and a well-appointed bathroom, perfect for comfortable

Apartment for sale: 624 LAKESHORE Drive Unit# 37, North Bay

34 photos

$344,900

624 Lakeshore Drive Unit# 37, North Bay, Ontario P1A 2E8

3 beds
2 baths
61 days

ACROSS FROM CHURCHILLS, BEFORE CORNER GOING SOUTH Ready for you to move in before Christmas holidays! Welcome to a charming 2+1 bedroom condominium townhome offering the perfect blend of comfort and convenience. Step inside and be greeted by a welcoming foyer with stairs leading to both the

4319 HIGHWAY 11 N, North Bay

16 photos

$1,140,000

4319 Highway 11 N, North Bay, Ontario P1B 8G3

0 beds
0 baths
166 days

Hwy 11 North of North Bay 10 minutes to property Seller willing to hold a second VTB mortgage to cover your down payment. Want a cash flowing property that meets the 1% rule? What will the property cash flow produce as interest rates decline? Turnkey 13 Unit residential complex sitting on 1

Multi-Family for sale: 380 FISHER STREET, North Bay

31 photos

$750,000

380 Fisher Street, North Bay, Ontario P1B 2E1

0 beds
0 baths
14 days

McIntyre St E & Fisher St Welcome to 380 Fisher Street! Located in the thriving city of North Bay, this unique nine-unit property combines a spacious Victorian home with a commercial building, creating a fantastic investment opportunity. Four units have already been fully renovated, while five

7 - 191 BOOTH ROAD, North Bay

12 photos

$899,000

7 - 191 Booth Road, North Bay, Ontario P1A 4K3

0 beds
0 baths
154 days

Booth Road & Birchs Road Business for Sale: Established Northern Airport Service Business since 1974. This reputable business includes three Mercedes Benz Sprinters with custom seating for 13 passengers, connecting passengers to Toronto Pearson Airport and servicing over 20 hotels in the direct

380 FISHER STREET, North Bay

30 photos

$750,000

380 Fisher Street, North Bay, Ontario P1B 2E1

0 beds
0 baths
14 days

Welcome to 380 Fisher Street! Located in the thriving city of North Bay, this unique nine-unit property combines a spacious Victorian home with a commercial building, creating a fantastic investment opportunity. Four units have already been fully renovated, while five units await transformation

Apartment for sale: 300 GLEN ROUGE Drive, North Bay

13 photos

$239,900

300 Glen Rouge Drive, North Bay, Ontario P1A 3K9

3 beds
1 baths
154 days

LAKEHEIGHTS ROAD TO GLEN ROUGE DRIVE Discover an exceptional investment opportunity with this 3 bedroom condo townhouse located in Birchwood Village. Living in a condo offers an easy lifestyle for those busy professionals or snow birds. Enjoy being within walking distance to the Lake/beach,

447 MAIN Street E, North Bay

8 photos

$1,325,000

447 Main Street E, North Bay, Ontario P1B 1B6

0 beds
0 baths
6 days

On Main between Fisher Street and Regina This income-generating property on the east side of Downtown North Bay features ten updated residential units (nine 1-bed and one 2-bed) with secure entry and shared laundry. The commercial unit, currently leased to a local antique shop, provides stable

House for sale: 452 SURREY Drive, North Bay

11 photos

$1,200,000

452 Surrey Drive, North Bay, Ontario P1C 1E5

4 beds
3 baths
42 days

Airport Rd to Surrey Dr Welcome to your brand new dream home at 452 Surrey Dr., nestled in one of the most prestigious and sought-after neighborhoods in North Bay. This exquisite residence boasts over 3,500 square feet above grade, offering ample space and luxury. Overlooking the city and the

House for sale: 5 ZEPHYR Heights, North Bay

50 photos

$1,195,000

5 Zephyr Heights, North Bay, Ontario P1B 8G2

4 beds
3 baths
252 days

AIRPORT RD, RIGHT ON TOWER DR, LEFT ON WELKIN GROVE, RIGHT ONTO ZEPHYR HEIGHTS. Elegant design and master craftsmanship team up in this custom built, one of a kind, two story dream home. Situated on a masterfully landscaped corner lot with lots of back yard privacy is this 4 bedroom, 3 bathroom

House for sale: 173 SUGARBUSH STREET, North Bay

49 photos

$1,350,000

173 Sugarbush Street, North Bay, Ontario P1C 1M8

3 beds
3 baths
34 days

Hwy 17 West to Algonquin Ave. Take Algonquin Ave. to Airport Rd. Take Airport Rd. and turn right onto Pearce. Follow Pearce to the very end and turn left onto Sugarbush. Experience unparalleled luxury & modern living at 173 Sugarbush Street. Located in one of North Bay’s most exclusive

104 HIGHLAND Road, North Bay

5 photos

$399,000

104 Highland Road, North Bay, Ontario P1B 6K4

0 beds
0 baths
91 days

Corner of Algonquin Ave and Lansdowne Ave Welcome to an exceptional investment opportunity in North Bay's thriving commercial district. This land is nestled in a bustling enclave along Algonquin Avenue, boasting a coveted position at a signalized intersection, ensuring maximum visibility and

House for sale: 131 PENINSULA Road, North Bay

50 photos

$1,395,000

131 Peninsula Road, North Bay, Ontario P1B 8G4

3 beds
3 baths
Today

Highway 63 to Peninsula Road on right just past Wild Cherry Lane. Luxury Living Meets Lakeside Comfort on Trout Lake! Experience the perfect blend of convenience and luxury in this fully remodeled, all-brick home with coveted southern exposure on One Mile Bay. Step into a grand entrance featuring

810 ANN Street, North Bay

13 photos

$1,400,000

810 Ann Street, North Bay, Ontario P1B 5M1

17 beds
9 baths
18 days

Corner of Ann Street and Rose Ave. 810 Ann St., North Bay - Solid and meticulously maintained purpose built 9-PLEX with a strong rental history ensuring consistent income. This Multi-Family Investment Property is fully occupied & comprised of 8 spacious x2 bedroom units with dedicated storage

1150 FERGUSON Street, North Bay

5 photos

$900,000

1150 Ferguson Street, North Bay, Ontario P1B 1Y6

8 beds
6 baths
12 days

Corner of Ferguson and King Street Investment opportunity located in the central residential area of North Bay. 1930 building divided into 6 self contained residential suites. Four one bedroom units and two two bedroom units with average rents around $1285 per unit. (id:27476)

670 LAKESHORE Drive, North Bay

11 photos

$479,900

670 Lakeshore Drive, North Bay, Ontario P1A 2G2

1 beds
1 baths
95 days

Lakeshore Drive South on left hand side. Welcome to 670 Lakeshore Drive, an investment opportunity in the West Ferris neighbourhood of North Bay. This multi-family raised brick bungalow features five units, including one one-bedroom unit and four bachelor units, providing diverse rental options

130 MAIN STREET W, North Bay

21 photos

$174,000

130 Main Street W, North Bay, Ontario P1B 2T5

0 beds
2 baths
97 days

Main St W & Oak St W The very popular Good Glaze Doughnuts on Main Street in North Bay is more than a doughnut shop, it's coffee shop, bakery and a community hub. This cheerful bakery space seats 40 and while it might be large in size it is nonetheless easy to run with minimal staff. A sunny

House for sale: 2625 NORTHSHORE Road, North Bay

50 photos

$1,999,000

2625 Northshore Road, North Bay, Ontario P1B 8G4

4 beds
4 baths
140 days

Highway 63 (Trout Lake Rd) to Peninsula Rd., Left onto Northshore Rd to #2625 Northshore Rd Nestled amongst Trout Lake's prestigious estate properties, 2625 Northshore Road in North Bay, Ontario offers an enchanting blend of warmth and luxury. This executive home or cottage is graced with timber

House for sale: 1111 BEATTIE Street, North Bay

40 photos

$479,999

1111 Beattie Street, North Bay, Ontario P1B 3T2

5 beds
3 baths
105 days

ALGONQUIN TO ELMWOOD, LEFT ON BETTIE OFFERS ANYTIME! Discover this spacious multi-level home nestled in a sought-after neighbourhood. 3 KITCHENS, 5 BEDROOMS, 3 BATHROOMS, 4 PARKING SPOTS. Currently generating a strong rental income of $3,600 per month, this property is an excellent investment

483 1ST AVENUE EAST, North Bay

6 photos

$425,000

483 1st Avenue East, North Bay, Ontario P1B 1K4

9 beds
5 baths
18 days

Right on Regina off of Main St E and left on 1st Ave. This cash flowing 4plex provides a ton of upside to add to your investment portfolio. Though it is cash flowing as-is, the rents are under market and can be increased with tenant turnover and strategic renovations. Currently, the rents are

House for sale: 571B REGAL Road, North Bay

49 photos

$1,199,000

571b Regal Road, North Bay, Ontario P1B 8G4

3 beds
2 baths
91 days

HWY 63 TO PENINSULA RD, RIGHT ON REGAL RD AND GO TO VERY END Completely updated home or cottage on popular Trout Lake! Approximately 175k spent in recent upgrades. This stunning 3-bedroom residence offers the option to easily convert to a 4th bedroom and includes 4 full bathrooms, providing

Triplex for sale: 147 SECOND AVENUE E, North Bay

19 photos

$349,000

147 Second Avenue E, North Bay, Ontario P1B 1L3

5 beds
3 baths
63 days

Main St W/Cassells St Fantastic Investment Opportunity, Gross Income $37,800(2023)!!! This solid brick triplex features separate hydro meters. The main-level 3-bedroom unit was recently renovated and is now ready for new tenants at market rent. Not only do you get to set your own rent, but

525 HIGH Street, North Bay

50 photos

$900,000

525 High Street, North Bay, Ontario P1B 6R5

13 beds
0 baths
55 days

corner of Algonquin Avenue and High Street This centrally located, cash flowing 7-unit multi-family residential building generates an impressive annual gross income of $107,460. The property consists of five spacious 2-bedroom units, one bachelor unit, and a newly renovated 3-bedroom unit

850 CLARENCE Street, North Bay

16 photos

$1,650,000

850 Clarence Street, North Bay, Ontario P1B 3W2

16 beds
12 baths
19 days

Algonquin Avenue to Jane Street. Follow Jane to Clarence. Prime Investment Opportunity! With robust rental income and a solid 8% CAP rate, this property is a strong investment option. This exceptional 12-unit income property is situated in a highly sought-after area, conveniently located on

NE 1/4 LT 18 CON C N/A Street, North Bay

9 photos

$499,900

Ne 1/4 Lt 18 Con C N/a Street, North Bay, Ontario P1B 7R5

0 beds
0 baths
89 days

Trout Lake Rd, left onto Connaught, right onto Norman, left onto Dellandrea, turns into Package, property located at the very end of Packard. Attention Real Estate Developers: An exceptional opportunity awaits with these developable lots at the end of Packard St. Currently zoned as Residential

810-820-826 CASSELLS Street, North Bay

48 photos

$799,900

810-820-826 Cassells Street, North Bay, Ontario P1B 4A6

0 beds
0 baths
147 days

Corner of Cassells St and Third Ave West 810-820-826 Cassells. Accounting Services Business plus office building and apartment & commercial building for sale as a share purchase. Successful accounting service business all set up in 810 Cassells. Comes with all fixtures, chattels. 1585 Sq' office

House for sale: 1150 COPELAND Street, North Bay

23 photos

$399,900

1150 Copeland Street, North Bay, Ontario P1B 3E8

3 beds
1 baths
5 days

Jane to Timmins to Copeland Welcome to 1150 Copeland! Located in a quiet, desirable neighborhood, this charming property features a 3-bedroom, 1-bathroom main house with spacious living areas and plenty of natural light. The attached 1-bedroom, 1-bathroom accessory apartment offers flexible

Fourplex for sale: 483 1ST AVENUE EAST, North Bay

6 photos

$425,000

483 1st Avenue East, North Bay, Ontario P1B 1K4

9 beds
5 baths
82 days

Right on Regina off of Main St E and left on 1st Ave. This cash flowing 4plex provides a ton of upside to add to your investment portfolio. Though it is cash flowing as-is, the rents are under market and can be increased with tenant turnover and strategic renovations. Currently, the rents are

251-257 MAIN Street E, North Bay

50 photos

$1,000,000

251-257 Main Street E, North Bay, Ontario P1B 1B2

0 beds
0 baths
118 days

Take Lakeshore Dr or Algonquin Ave. to Main St. E. Follow to 255. Investment Opportunity – 6 units: 5 residential & 1 commercial. Annual Net Income $67,700. (2) 3 bedroom, (4) 2 bed, (1) 3 bed. 1150 Sqft commercial unit vacant for an owner occupier, or landlord will work with prospective

Fourplex for sale: 483 1ST AVENUE E, North Bay

6 photos

$425,000

483 1st Avenue E, North Bay, Ontario P1B 1K4

9 beds
5 baths
82 days

Regina St This cash flowing 4plex provides a ton of upside to add to your investment portfolio. Though it is cash flowing as-is, the rents are under market and can be increased with tenant turnover and strategic renovations. Currently, the rents are all inclusive but there are separate meters

House for sale: 976 PREMIER Road, North Bay

50 photos

$659,900

976 Premier Road, North Bay, Ontario P1A 2H8

4 beds
3 baths
58 days

Lakeshore to Premier Discover this beautifully transformed detached backsplit home, where contemporary elegance meets a West Coast inspired design sitting on 1.8 acres of land. Boasting 4 spacious bedrooms and 3 well-appointed bathrooms, this residence offers ample space for a family, multiple

House for sale: 88 BEVERLY Road, North Bay

31 photos

$534,900

88 Beverly Road, North Bay, Ontario P1B 7P8

5 beds
2 baths
48 days

Mckeown Ave, left onto Beverly Rd #88 on left side Discover your next family home or investment opportunity in this all-brick, 5-bedroom, 2-bathroom bungalow with a single-car garage. Situated in a prime central location, this property is close to shopping, schools, and the Ski Hill. The home

House for sale: 88 BEVERLY ROAD, North Bay

31 photos

$534,900

88 Beverly Road, North Bay, Ontario P1B 7P8

5 beds
2 baths
47 days

Mckeown Ave, left onto Beverly Rd #88 on left side Discover your next family home or investment opportunity in this all-brick, 5-bedroom, 2-bathroom bungalow with a single-car garage. Situated in a prime central location, this property is close to shopping, schools, and the Ski Hill. The home

Apartment for sale: 1303 - 832 BAY STREET, Toronto (Bay Street Corridor)

19 photos

$850,000

1303 - 832 Bay Street, Toronto (Bay Street Corridor), Ontario M5S 1Z6

2 beds
2 baths
5 days

Bay / College Prime Location. Bay Street's 'Burano Condos': Corner Unit 2 Brs Both With Windows, Perfect For Your First Home, Professionals, Students Or Fantastic Investment Opportunity. North West Corner Unit 2 Bedrooms + Huge Balcony, 2 Baths. Best Downtown Location Steps To 24HrGrocery,

Apartment for sale: 3503 - 955 BAY STREET, Toronto (Bay Street Corridor)

40 photos

$1,698,000

3503 - 955 Bay Street, Toronto (Bay Street Corridor), Ontario M5S 0C6

3 beds
2 baths
106 days

Bay and Wellesley Prime Bay St, Sophisticated Downtown Core location. This 1111 sq ft .(base on builders plan) 3 bed rooms, 2 wash rooms unit brings you luxury and relax and enjoy your private unobstructed south/west view. Upgraded Kitchen Cabinetry, Build-in Fridge. Open Concept. Central Island,

Apartment for sale: 3901 - 311 BAY STREET, Toronto (Bay Street Corridor)

27 photos

$2,099,999

3901 - 311 Bay Street, Toronto (Bay Street Corridor), Ontario M5H 4G5

3 beds
3 baths
10 days

Bay St & Adelaide St W Welcome To The St. Regis Residences - Luxury Living At It's Finest! Beautifully Appointed, Corner Suite With Sweeping North West Views. 2 Spacious Bedrooms + Den And 3 Bathrooms Spanning Over 2,068 Sf Of Functional Living Space. No Detail Has Been Overlooked - 10.5 ft.

House for sale: 1634 NORTHEY'S BAY ROAD, North Kawartha

32 photos

$3,298,000

1634 Northey's Bay Road, North Kawartha, Ontario K0L 2H0

5 beds
5 baths
82 days

Cty Rd 36/Hwy 28/Northey's Bay JAW-DROPPING TURNKEY EXECUTIVE COTTAGE ON STONEY LAKE WITH 200 WATERFRONT, BOATHOUSE, DEEP SWIMMING, & BEACH! 4-season home or cottage on 1.5 acres of serene beauty. Seller willing to take on VTB (Vendor take back mortgage) financing for the right buyer. Sunset

9 - 879 BAY STREET, Toronto (Bay Street Corridor)

4 photos

$2,499,000

9 - 879 Bay Street, Toronto (Bay Street Corridor), Ontario M5S 3K6

0 beds
0 baths
94 days

BAY & GROSVENOR Nestled at the vibrant intersection of Bay and Grosvenor in Toronto, Unit 9 at 879 Bay St offers a compelling opportunity for savvy investors eyeing a lucrative long-term venture. Situated just north of College, this bustling area pulses with urban vitality while retaining its

House for sale: 203 NORTH CHANNEL DRIVE, Georgina (Keswick North)

39 photos

$1,949,900

203 North Channel Drive, Georgina (Keswick North), Ontario L4P 2N2

4 beds
2 baths
32 days

Queensway S & North Channel A true labour of love spanning 4 generations yields spectacular results - This waterfront retreat features gorgeous West-facing views across the bay, stunning grounds & tasteful updates. Enjoy the escape that only waterfront living can provide in this remarkable

Row / Townhouse for sale: 1579 ANSTRUTHER LAKE Road Unit# 20, North Kawartha Twp

41 photos

$499,900

1579 Anstruther Lake Road Unit# 20, North Kawartha Twp, Ontario K0L 1A0

3 beds
2 baths
32 days

Highway 28 to Anstruther Lake Rd to ""The Landing"" Entrance Sign # 1579 -Unit 20 Take a look at this stunning property. Unit 20 is located in a 25 unit freehold condo townhouse complex located on Anstruther Lake inside Kawartha Highlands Provincial Park. This amazing complex offers a Marina

House for sale: 1416 NORTHEY'S BAY ROAD, North Kawartha

39 photos

$3,449,000

1416 Northey's Bay Road, North Kawartha, Ontario K0L 3E0

4 beds
3 baths
126 days

Hwy 28 Gorgeous, Newly renovated, year-round turnkey multi-level property on prestigious Stoney Lake w/ spectacular views. Upper level: open concept, incl. bdrm, office, 3-pc bath, high-end kitchen w/ Subzero Wolf & Miele appliances & sitting area w/ propane fireplace. 16-ft patio doors to

North Bay Condo Listings

Looking for a condo in North Bay? Look no further than our comprehensive listings of North Bay condos. Our listings include a variety of condominiums in North Bay's most desirable neighborhoods. Whether you're looking for a spacious condo with stunning views of the bay or a cozy condo in a quiet neighborhood, we have something for everyone.

North Bay's Best Condominiums

Our listings feature some of the best condominiums in North Bay. From modern, high-rise condos to charming, historic buildings, our listings offer a wide range of options for buyers. Many of our North Bay condos feature amenities such as swimming pools, fitness centers, and on-site parking. Plus, with our easy-to-use search tools, you can quickly find the perfect condo for your needs.

Discover Northern Bay Condos

North Bay is known for its stunning natural beauty and vibrant community. Our listings of Northern Bay condos offer the perfect opportunity to experience all that this region has to offer. Whether you're looking for a vacation home or a permanent residence, our Northern Bay condos are the perfect choice. With easy access to outdoor activities like hiking, skiing, and boating, you'll never run out of things to do in North Bay.