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Homes for Sale near Buffalo Academy of the Sacred Heart

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  • /8

    $124,164

    • 3 Beds
    • 1 Bath
    • 1,328 Sq Ft

    164 Millicent Ave, Buffalo, NY 14215

    THIS IS OPPORTUNITY FOR RENTER TO BECOME A HOME OWNER OR INVESTOR TO COLLECT RENT;TOUR HOME WITH VISION TO MAKE YOUR DREAM HOME WITH YOUR PERSONAL TOUCH & DESIRES; ENTER INTO THE "so much potential zone" LARGE LIVING ROOM W/MANTLE & ARTIFICIAL FIREPLACE;FLOWS TO FORMAL DINING ROOM;KITCHEN HAS MANY CABINETS AND WILL LOOK GREAT WITH STAINLESS STEEL APPLIANCES;2BR'S& REMODELED BATH ON 1ST

    Carmen Billups Listing by Howard Hanna WNY Inc.

    164 Millicent Ave, Buffalo, NY 14215
  • /21

    $109,900

    • 3 Beds
    • 1 Bath
    • 1,424 Sq Ft

    73 Quincy St, Buffalo, NY 14212

    Welcome to 73 Quincy Street —This well-maintained single-family property features 3 bedrooms, 1 full bathroom, a large living and dining area. The home sits on a quiet residential block with easy access to I-90, downtown and Walden Shopping Plaza. Lower-level floor features a spacious living room & formal dining room, large front windows. Eat-in kitchen w/lots of cabinets and appliances incl.

    Abubakar Mohamed Listing by Towne Housing Real Estate

    73 Quincy St, Buffalo, NY 14212
  • /5

    $80,000

    • Land
    • 0.07 Acre
    • $1,106,501 per Acre

    105-109-113 Nevada Ave, Buffalo, NY 14211

    4 adjacent Residential lots Included in sale 109 Nevada SBL140200-101-390-0004-044-000, Lot size 30 x 107. 113 Nevada SBL 140200-101-390-0004-045-000 lot size 30 x 107, and 90 Montana Ave SBL 140200-101-390-0004-026-000 Lot size 30x x105. MUST BE SOLD TOGTHER. Taxes for 109, 113 Nevada and 90 Montana, are the same for each property

    Frank Pietrangeli Listing by Hooper Realty

    105-109-113 Nevada Ave, Buffalo, NY 14211
  • /36

    $194,900

    • 4 Beds
    • 2 Baths
    • 1,394 Sq Ft

    157 Roosevelt Ave, Buffalo, NY 14215

    Original contract died when buyer financing failed just days before closing. Buyers are crushed but their loss could be your great opportunity. Beautifully renovated single family home! This 2 story home has been updated with brand new kitchen, stainless steel appliances, and modern cabinetry. Fresh paint, updated bathrooms, new flooring, new windows. Newly tear off roof, new hot water tank.

    Muhammad Ahsan Listing by Howard Hanna WNY Inc.

    157 Roosevelt Ave, Buffalo, NY 14215
  • /7

    $40,000

    • Land
    • 0.09 Acre
    • $452,489 per Acre

    51 Brownell St, Buffalo, NY 14212

    2 Adjacent lot. Must be sold together. 55 Brownell included with sale. SBL 140200-112-320-0001-031-000. Lot size 33 x 115. Must be sold together.

    Frank Pietrangeli Listing by Hooper Realty

    51 Brownell St, Buffalo, NY 14212
  • /5

    $40,000

    • Land
    • 0.08 Acre
    • $523,560 per Acre

    74-76 Colorado Ave, Buffalo, NY 14211

    2 Adjacent residential lots. Included in sale is 76 Colorado SBL140200-101-390-0005-025-000. Lot size 30 x 112. Must be sold together.

    Frank Pietrangeli Listing by Hooper Realty

    74-76 Colorado Ave, Buffalo, NY 14211
  • /26

    $134,900

    • 3 Beds
    • 1 Bath
    • 865 Sq Ft

    106 Gallatin Ave, Buffalo, NY 14207

    Welcome to this beautifully renovated single-family home in the heart of Riverside! This 3-bedroom, 1-bath home has been thoughtfully updated from top to bottom, offering modern finishes while maintaining its original charm. Step into a bright and spacious living area with fresh paint, new flooring, and updated lighting throughout. The newly renovated kitchen features sleek cabinetry,

    Dana Mislin-Langa Listing by 716 Realty Group WNY LLC

    106 Gallatin Ave, Buffalo, NY 14207
  • /14

    $199,000

    • 6 Beds
    • 2 Baths
    • 2,652 Sq Ft

    1510 E Delavan Ave Unit N, Buffalo, NY 14215

    This large double sitting right on the corner of East Delavan and Roma Avenue features 6 bedrooms and a 2 baths and a two car garage facing the side street.Offers will be reviewed as they come in.

    Carver Jarmon Listing by WNY Metro Roberts Realty

    1510 E Delavan Ave Unit N, Buffalo, NY 14215
  • /48

    $350,000

    • 10 Beds
    • 4 Baths
    • 2,520 Sq Ft

    1080 Walden Ave, Buffalo, NY 14211

    Incredible opportunity for investors and owner-occupants alike! This unique property offers a 3-unit mixed-use building plus a separate single-family home — all on one lot and fully income-producing. The main building features a storefront with private office and full bathroom, currently rented at $900/month, plus two well-maintained residential units, each generating $900/month. The residential

    Haza Taha Listing by MJ Peterson Real Estate Inc.

    1080 Walden Ave, Buffalo, NY 14211
  • /41

    $449,000

    • 3 Beds
    • 4 Baths
    • 3,501 Sq Ft

    1042 Elmwood Ave, Buffalo, NY 14222

    Looking for an prime location investment property that stands out? This exceptional 4-unit in the Elmwood Village is steps from Delaware Park, Bidwell, and some of Buffalo's best shops, museums and restaurants. The spacious 1st flr studio unit features an updated kitchen and bath, hardwood floors, decorative fireplace, and access to a lovely front porch—a bright, welcoming space with tons of

    Jesse Lunn Listing by HUNT Real Estate Corporation

    1042 Elmwood Ave, Buffalo, NY 14222
  • /27

    $179,900

    • 4 Beds
    • 4 Baths
    • 1,980 Sq Ft

    293 Halstead Ave, Buffalo, NY 14212

    Wow, looking for the perfect 2 family home! This gem has 2 bedrooms and 2 baths in each unit. Double lot has a 4 car garage and shed. Modern eat in kitchens and each unit has 1st floor laundry, central air and roomy living rooms. Many appliances stay. Perfect investment or owner occupied. Front and rear unit are each 2 floors. There are ring doorbells on each unit. Front refrigerator, TV wall

    Annabelle Aquilina Listing by HUNT Real Estate Corporation

    293 Halstead Ave, Buffalo, NY 14212
  • /3

    $44,900

    • Land
    • 0.1 Acre
    • $449,000 per Acre

    26 Harding Ave, Buffalo, NY 14217

    Rare opportunity to purchase a vacant lot zoned for one or two-family development in the Town of Tonawanda. The parcel is level, clear, and ready for development. Located within close proximity to the Village of Kenmore. Land will be parceled off from the home located at 26 Harding Avenue.

    Frank Silla Listing by Serota Real Estate LLC

    26 Harding Ave, Buffalo, NY 14217
  • /24

    $195,000

    • 4 Beds
    • 1.5 Baths
    • 1,580 Sq Ft

    41 Victoria Ave, Buffalo, NY 14214

    Welcome to 41 Victoria Ave - a spacious 4 bedroom, 1.5 bath home located on a quiet street in Buffalo's East Side. This property offers generous living space, featuring a large living room, formal dining area, and a bright eat-in kitchen. The home includes an updated half bath on the first floor for added convenience. Four nicely sized bedrooms and a full bath upstairs. Enjoy the enclosed front

    Crystal Moye Listing by HUNT Real Estate Corporation

    41 Victoria Ave, Buffalo, NY 14214
  • /24

    $225,000

    • 4 Beds
    • 1 Bath
    • 1,260 Sq Ft

    511 Capen Blvd, Buffalo, NY 14226

    Discover an exceptional opportunity with this charming four-bedroom Cape Cod home, ideally situated within the Amherst School District. This property boasts an electric pet fence, ensuring both safety and convenience for your furry companions.The location is truly unbeatable, with a wealth of amenities just five-blocks away. Enjoy easy access to a golf course, a movie theater, a grocery

    Joseph Frentz Listing by Berkshire Hathaway Homeservices Zambito Realtors

    511 Capen Blvd, Buffalo, NY 14226
  • /19

    $119,900

    • 5 Beds
    • 1.5 Baths
    • 1,826 Sq Ft

    48 Grimes St, Buffalo, NY 14212

    Welcome to 48 Grimes St. Currently the property is used as a single family but the property can be utilized for 2 families with permission from city govt. Already in county and tax bills property class/type as2 family residential. It has 2 large living rooms, 2 large dining, 5 bedrooms, 1.5 bathrooms and 1 large kitchen ready and other kitchen space available to be built. Rear house storage room

    Mohammed Uddin Listing by WNY Metro Roberts Realty

    48 Grimes St, Buffalo, NY 14212
  • /34

    $119,900

    • 4 Beds
    • 1 Bath
    • 1,126 Sq Ft

    1046 E Ferry St Unit N, Buffalo, NY 14211

    Welcome to 1046 E Ferry St – a spacious corner lot single-family home in Buffalo’s east side! The lower level features 2 bedrooms, a generous living room, formal dining area, kitchen, and a full bathroom. The upper level offers 2 additional bedrooms with potential space to add another bathroom—perfect for extended family or customization. The home includes a full basement, providing ample storage

    Md Nazmul Hussain Listing by HUNT Real Estate Corporation

    1046 E Ferry St Unit N, Buffalo, NY 14211
  • /18

    $159,900

    • 7 Beds
    • 3 Baths
    • 2,152 Sq Ft

    97 Kail St, Buffalo, NY 14207

    Discover a prime investment—or the perfect owner-occupied opportunity—at 97 Kail St, Buffalo, NY. This well-maintained 3-unit property blends classic charm with strong income potential, making it both a smart financial move and a comfortable place to owner occupy. 2 car garage and double wide lot for additional parking are added perks. 2 units are tenant occupied and 1 unit is vacant.

    Raymond Smith Listing by Buffalo First Realty Group Inc

    97 Kail St, Buffalo, NY 14207
  • /4

    $169,000

    • 4 Beds
    • 1 Bath
    • 1,369 Sq Ft

    109 Stanley St, Buffalo, NY 14206

    Great single family home in Buffalo's Lovejoy Neighborhood! This 2-story home offers 4 spacious bedrooms and 1 full bathroom. The first floor features a cozy living room, formal dining room, family room, and kitchen with vinyl & hardwood floors throughout. All rooms are generous room sizes. The full basement and attic provide plenty of space for storage. The exterior features a covered porch

    Lidia Egleston Listing by Howard Hanna WNY Inc.

    109 Stanley St, Buffalo, NY 14206
  • /2

    $169,000

    • 5 Beds
    • 1 Bath
    • 1,534 Sq Ft

    340 Gold St, Buffalo, NY 14206

    Welcome to this spacious Single Family Home in Buffalo’s Lovejoy Neighborhood! This home offers 5 generously sized bedrooms and 1 full bath with living room, family room, formal dining room, kitchen, and first-floor laundry. The full basement and attic provides ample space for storage. The exterior features a covered front porch and shed. This charming home has plenty of space, character, and

    Lidia Egleston Listing by Howard Hanna WNY Inc.

    340 Gold St, Buffalo, NY 14206
  • /21

    $309,900

    • 3 Beds
    • 1 Bath
    • 1,552 Sq Ft

    33 Frontenac Ave, Buffalo, NY 14216

    Welcome to 33 Frontenac- This 3-bedroom, 1-bath home features a beautifully updated kitchen with sleek quartz countertops, perfect for cooking and entertaining. Enjoy peace of mind with a 5-year-old tear-off roof and central AC that's just 5 years young. Outside, you’ll find a fully fenced yard—ideal for pets, play, or outdoor gatherings—and a convenient garage for extra storage or workspace.

    Todd Halas Listing by Superlative Real Estate, Inc.

    33 Frontenac Ave, Buffalo, NY 14216
  • /29

    $220,500

    • 5 Beds
    • 2 Baths
    • 1,352 Sq Ft

    290 Riverside Ave, Buffalo, NY 14207

    Beautifully fully updated colonial style home located in Buffalo's Riverside neighborhood. This home features 4 bedrooms, 1 multi-use room, two beautifully tiled bathrooms. A rare first floor bedroom and bathroom provide convenience; washer dryer hookups have been added to the lower-level bathroom. The heart of the home new updated eat in kitchen that spills seamlessly into the dining living room

    Sandra DeVargas Listing by WNY Metro Roberts Realty

    290 Riverside Ave, Buffalo, NY 14207
  • /8

    $132,900

    • 3 Beds
    • 1.5 Baths
    • 966 Sq Ft

    2275 Broadway St, Buffalo, NY 14212

    Great home for a family or investment property, situated on the Broadway bus line in Sloan NY. Property has three good size bedrooms with one bath and possible half bath on second floor. Property has a lot in rear of home that can be included in this sale, lot has 7 parking spaces and a garage, this would provided purchaser with plenty of off street parking for guest. Information regarding lot

    Andre Scott Listing by Scott Realty Group LLC

    2275 Broadway St, Buffalo, NY 14212
  • /23

    $99,000

    • 3 Beds
    • 2 Baths
    • 1,935 Sq Ft

    218 Strauss St, Buffalo, NY 14211

    Handyman Special! This large 2-family home, offering nearly 2,000 square feet of living space, is an opportunity for investors or owner-occupants looking to add value through renovation. Owner has begun the process of rehab, this property has great potential to be transformed into a rental or multi-generational home. The roof is approximately 10 years old (per previous owner), and some updated

    Lori Adams Listing by eXp Realty

    218 Strauss St, Buffalo, NY 14211
  • /36

    $199,899

    • 2 Beds
    • 1.5 Baths
    • 1,135 Sq Ft

    72 Old Lyme Dr Unit 3, Buffalo, NY 14221

    Charming & Stylish Condo in the Heart of Williamsville!Welcome to 72 Old Lyme Unit 3—a beautifully updated 2-bedroom, 1.1-bath condominium offering 1,135 square feet of stylish, low-maintenance living in one of Williamsville’s most desirable and convenient locations.Step inside to find distressed hickory hardwood floors throughout the main living areas, paired with shiplap wall accents that add

    Dee Cammilleri Listing by Howard Hanna WNY Inc.

    72 Old Lyme Dr Unit 3, Buffalo, NY 14221
  • /50

    $355,000

    • 5 Beds
    • 2.5 Baths
    • 2,788 Sq Ft

    232 Joseph Dr, Tonawanda, NY 14150

    What an Amazing Find! Lives like a ranch, with all the amenities and income of a duplex. This all brick ranch boasting 3 bedrooms 1 full bath & half bath off the master with a private entrance lives like a single with endless possibilities. Full apartment above the garage with separate entry can be utilized as an in-law suite, student apartment, income etc... with all separate utilities boasting

    Donna Littlefield Listing by Howard Hanna WNY Inc.

    232 Joseph Dr, Tonawanda, NY 14150
  • /21

    $275,000

    • 2 Beds
    • 2 Baths
    • 1,900 Sq Ft

    83 Bryant St Unit 7AB, Buffalo, NY 14209

    WELCOME TO EASY CITY LIVING IN THIS CHARMING CO OP LOCATED IN ONE OF BUFFALOS ARCHITECTURALLY BEAUTIFUL BUIDINGS. THIS PROPERTY FEATURES A LARGE LIVING ROOM WITH BEAUTIFUL VIEWS OF DOWNTOWN BUFFALO, BUILT IN BOOK CASES AND STUNNING FIREPLACE. TWO NICE SIZE BEDROOM AND TWO FULL BATHS. THE FORMAL DINNING ROOM IS PERFECT FOR ENTERTAINING A NEWER KITCHEN WITH CHERRY CABINETS AND QUARTZ COUNTER

    Liz Brady Listing by Gurney Becker & Bourne

    83 Bryant St Unit 7AB, Buffalo, NY 14209
  • /18

    $194,000

    • 4 Beds
    • 2 Baths
    • 1,536 Sq Ft

    376 Norfolk Ave, Buffalo, NY 14215

    Welcome to 376 Norfolk! The property has undergone massive remodel, brand new roof and new vinyl siding just done recently. This completely renovated house has many brand new/ updates include: New vinyl plank flooring in both upper and lower unit, New bathroom with new tub surround/ fixtures/ vanity, New kitchen cabinet/counter top/ faucet. New exterior / interior doors, New windows, New

    Kazuko Boylan Listing by Boylan Group Inc.

    376 Norfolk Ave, Buffalo, NY 14215
  • /25

    $255,000

    • 3 Beds
    • 2 Baths
    • 1,434 Sq Ft

    32 Bernhardt Dr Unit 5, Buffalo, NY 14226

    Sensational 3-bedroom condo just steps away from specialty shops and dining in the Heart of Snyder!Filled with sunlight, this lovely home has spectacular spaces to entertain and is conveniently located on the first floor. Bright white kitchen with all appliances included and built-in shelving, large living and dining area, and 3 nice sized bedrooms and 2 full baths. Gleaming hardwoods, all

    Karen Baker Listing by Howard Hanna WNY Inc

    32 Bernhardt Dr Unit 5, Buffalo, NY 14226
  • /4

    $169,500

    • 3 Beds
    • 1 Bath
    • 1,225 Sq Ft

    4 Regina Place, Buffalo, NY 14208

    Welcome to this 4-bedroom corner home nestled in the heart of the Hamlin Park community. Well maintained with Private driveway/off-street parking. Minutes from Canisius college, public transportation, and the 33-expressway for commuters. Showings start on July 11th. Seller reserves the right to set offer deadline.

    Ebony Thomas Listing by WNY Metro Roberts Realty

    4 Regina Place, Buffalo, NY 14208
  • /21

    $229,900

    • 1 Bed
    • 1 Bath
    • 713 Sq Ft

    1088 Delaware Ave Unit 6C, Buffalo, NY 14209

    Welcome to one of the most sought after Condos in Buffalo. Delaware Towers 6C. Bright 1 bedroom, one bath updated space. Beautiful city views, Delaware Ave side of building, spacious covered patio, 1 covered garage space and storage unit included in sale. Open floor plan, updated kitchen with stainless steel appliances, updated bath and more. Pets ok with some restrictions and needed

    Amy Winklhofer Listing by Century 21 North East

    1088 Delaware Ave Unit 6C, Buffalo, NY 14209
  • /22

    $150,000

    • 5 Beds
    • 2 Baths
    • 1,680 Sq Ft

    196 Kilhoffer St Unit B, Buffalo, NY 14211

    Come and check out this nice double! Very, very nice double currently owner occupied but they are moving but since they have owned this home, they have updated many expensive items such as: windows (many) up and down, hot water heater, forced air heating units, all electrical, roofing, siding, laminate flooring some, carpeting, 2 bathroom fixtures, tub and tiles, just a great opportunity to live

    Gina DuBois Listing by WNY Metro Roberts Realty

    196 Kilhoffer St Unit B, Buffalo, NY 14211
  • /12

    $274,900

    • 4 Beds
    • 2 Baths
    • 2,844 Sq Ft

    2572 Sheridan Dr, Tonawanda Town, NY 14150

    The possibilities are almost endless! This 2-unit building with full walk-up attic has been gutted to the studs. All ceilings, walls, bath fixtures, and flooring have been removed. Water is off. The only electric “on” is for the sump pump. Best to view during daylight hours. Both units can be 2 bedrooms and 1 bath each with “in-unit” laundry hook-ups. Owner had architectural plans drawn. Since

    Donna Herberger Listing by HUNT Real Estate Corporation

    2572 Sheridan Dr, Tonawanda Town, NY 14150
  • /35

    $164,900

    • 4 Beds
    • 2 Baths
    • 1,367 Sq Ft

    154 Wakefield Ave, Buffalo, NY 14214

    Welcome to 154 Wakefield Ave!Nestled in a family-friendly neighborhood, this charming and versatile home offers 4 bedrooms, a spacious living room, a large kitchen, and 2 full bathrooms. The open dining area provides the potential to be converted into an additional bedroom, and the second floor features ample space ideal for a home office. Recently refreshed with some new paint, updated

    Mohammed Uddin Listing by WNY Metro Roberts Realty

    154 Wakefield Ave, Buffalo, NY 14214
  • /25

    $170,000

    • 1 Bed
    • 1 Bath
    • 784 Sq Ft

    1088 Delaware Ave Unit 3B, Buffalo, NY 14209

    The Towers at Delaware is located on the picturesque tree lined streets of Delaware Ave - conveniently located near Downtown Buffalo, The Elmwood Village and Allentown. Make this Mid Century Modern iconic Buffalo building your home, and you'll be steps from countless festivals, restaurants, shops museums and entertainment! Complete with brand new luxury vinyl flooring throughout and freshly

    Lisa Myers Listing by Keller Williams Realty Lancaster

    1088 Delaware Ave Unit 3B, Buffalo, NY 14209
  • /33

    $169,500

    • 2 Beds
    • 1.5 Baths
    • 1,135 Sq Ft

    59 Old Lyme Dr Unit 3, Buffalo, NY 14221

    Updated 2 bedroom 1 1/2 bath condo in great Amherst location, shows pride of ownership. Freshly painted with new flooring throughout this second-floor condo boasts 2 large bedrooms, primary with attached 1/2 bath, bright functional kitchen, spacious living room, full bath and dining room. Full basement with your own laundry area and storage room.

    Robert Rentz Listing by WNY Metro Roberts Realty

    59 Old Lyme Dr Unit 3, Buffalo, NY 14221
  • /3

    $169,000

    • 5 Beds
    • 2 Baths
    • 2,244 Sq Ft

    34 Reservation St, Buffalo, NY 14207

    Long 3/2 double, private backyard, rear utility rooms with storage, Boiler heat, 1st floor occupied at $750/mo, month to month lease. New roof, gutters, and updated siding. Great tenants that would like to stay. Upper unit to be rented for $850/mo. Close to Wegmans and Downtown Blackrock.

    Vincent Rondinelli Listing by Rondinelli Real Estate

    34 Reservation St, Buffalo, NY 14207
  • /32

    $154,900

    • 3 Beds
    • 1 Bath
    • 1,064 Sq Ft

    269 Westminster Ave, Buffalo, NY 14215

    Welcome to 269 Westminster Ave. Nestled in a family-friendly neighborhood, this charming 3-bedroom, 1-bathroom and a spacious front porch perfect for relaxing outdoors. The home has been recently revitalized with new paint, Some flooring, a fairly-new roof and siding enhancing its appeal and comfort. Inside, you'll discover generously sized bedrooms, a full bathroom, Livingroom, Dining and a

    Mohammed Uddin Listing by WNY Metro Roberts Realty

    269 Westminster Ave, Buffalo, NY 14215
  • /3

    $85,000

    • 3 Beds
    • 1 Bath
    • 2,458 Sq Ft

    1112 E Lovejoy St, Buffalo, NY 14206

    Opportunity is knocking with this mixed-use property located on a high traffic Lovejoy street. The major work is already complete and this property is ready for the finishing work to restore the glory it once had. Updates include all new electrical service and wiring, all new pex plumbing, 90% new windows, major structural improvements and a few more smaller ticket items. The zoning offers the

    Dominic Lettieri Listing by WNY Metro Roberts Realty

    1112 E Lovejoy St, Buffalo, NY 14206
  • /38

    $975,000

    • 3 Beds
    • 4 Baths
    • 2,400 Sq Ft

    673 Potomac Ave, Buffalo, NY 14222

    Contemporary, luxurious elegance in the heart of the Elmwood Village! 673 Potomac stuns with exceptional style and finishes; gorgeous hickory hardwood floors, thoughtful design, and high end finishes throughout! With incredible curb appeal, this beautiful three story townhome offers a show-stopping chef’s kitchen with granite countertops, brand new stainless Thermadore appliances, and huge

    Lisa Simme Listing by MJ Peterson Real Estate Inc.

    673 Potomac Ave, Buffalo, NY 14222
  • /27

    $249,000

    • 6 Beds
    • 3 Baths
    • 2,049 Sq Ft

    641 Woodlawn Ave Unit 5D, Buffalo, NY 14211

    Spectacular two unit on the East side of Buffalo. First floor unit is spacious, and lives like a single family house with 3 beds, 1 full bath, and formal living and kitchen. Second unit has 2 beds, 1 full bath, living room and a turret room that oversees the balcony. The attic has its own furnace and a brand new bathroom and a living area that also has a bedroom. Brand new updated heating

    Pratheep Sakas Listing by Keller Williams Realty WNY

    641 Woodlawn Ave Unit 5D, Buffalo, NY 14211

Showing Results 481 - 520, Page 13 of 17

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