1,286

Buffalo, NY Homes for Sale with No HOA Fee

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  • /39

    $199,900

    • 6 Beds
    • 2 Baths
    • 2,219 Sq Ft

    39 Elgas St, Buffalo, NY 14207

    Variable Pricing! Owners will consider offers between $199,900 – $250,000+. Don’t miss this fantastic opportunity to own a 3/3 two-family front brick home with an attached garage—perfect for both investors and owner-occupants! Conveniently located near Riverside Park, this property offers both charm and functionality. Both units are vacant and move-in ready, making it ideal for immediate

    Chaya Adelman Listing by Arrowhead Property Management, LLC

    39 Elgas St, Buffalo, NY 14207
  • /31

    $224,999

    Open Sun 1PM - 3PM Pre-Foreclosure
    • 3 Beds
    • 1 Bath
    • 1,350 Sq Ft

    67 Elaine Ct, Buffalo, NY 14225

    Welcome home to this beautifully maintained Cape Cod offering the perfect blend of charm and modern updates! Step inside to a warm and inviting living room featuring a cozy wood-burning fireplace, flowing seamlessly into the spacious eat-in kitchen complete with rich wood cabinetry, a large center island, abundant storage, and recessed lighting. The home offers comfortable living with bright,

    David Harris Listing by Iconic Real Estate

    67 Elaine Ct, Buffalo, NY 14225
  • /46

    $279,900

    • 7 Beds
    • 2.5 Baths
    • 1,743 Sq Ft

    31 Hughes Ave, Buffalo, NY 14208

    In the shadow of Canisius University, this seven bedroom, two and one-half bathroom home with a 2 car garage would make a perfect owner-occupied home or an excellent student rental property. Currently vacant, it was previously rented continuously at $500 per bedroom. The first floor has a spacious living room, a large dining room and there is an updated kitchen with plenty of counters and cabinet

    James Mack Listing by Gurney Becker & Bourne

    31 Hughes Ave, Buffalo, NY 14208
  • /19

    $154,900

    • 3 Beds
    • 1.5 Baths
    • 1,276 Sq Ft

    23 Albert Ave, Buffalo, NY 14207

    Welcome to 23 Albert Ave in the City of Buffalo! This single-family home offers a great opportunity for both owner-occupants and investors. The property features 3 bedrooms and 1.5 bathrooms with vinyl flooring throughout and solid mechanics. The home offers a spacious layout along with a full basement and full attic, providing additional storage and potential for extra living space. Outside, the

    Emmanuel Williams Listing by WNY Metro Roberts Realty

    23 Albert Ave, Buffalo, NY 14207
  • /2

    $257,500

    $24K PRICE DROP
    • 4 Beds
    • 2 Baths
    • 2,252 Sq Ft

    19 Park St, Buffalo, NY 14201

    Property is available for online auction only. See Realty Bid for property, auction, showing & bidding information.

    Brian Brockman Bang Realty

    19 Park St, Buffalo, NY 14201
  • /48

    $229,000

    $6K PRICE DROP
    • 6 Beds
    • 2 Baths
    • 2,200 Sq Ft

    68 Princeton Place, Buffalo, NY 14210

    Open Sunday, July 19, 2026 1-3 pm. Welcome to 68 Princeton Place! This charming two-family home features two spacious apartments, each offering three generously sized bedrooms, a large living room, formal dining room, and separate utilities, making it ideal for both owner-occupants and investors. Each apartment also includes a versatile bonus room that can easily be used as a home office,

    Rob Vickers Listing by Howard Hanna WNY Inc.

    68 Princeton Place, Buffalo, NY 14210
  • /30

    $239,900

    Open Sun 1PM - 3PM
    • 3 Beds
    • 1.5 Baths
    • 1,056 Sq Ft

    249 Boncroft Dr, Buffalo, NY 14224

    Ultra efficient storybook ranch in West Seneca. Blown in insulation also foam insulation in the basement. New high efficiency furnace, updated electrical and brand new sump pump with drain tile. Newer roof under 10years young. Lovely, quiet street leads you to this charming 3 bedroom ranch. Covered entry with composite decking opens to a welcoming foyer. Spacious and Sunny living room at the

    Nicholas Leszczynski Listing by HUNT Real Estate ERA

    249 Boncroft Dr, Buffalo, NY 14224
  • /21

    $419,000

    • 10 Beds
    • 4 Baths
    • 4,780 Sq Ft

    125 Hawley St, Buffalo, NY 14213

    Rare, unique, money making multi-family located one block from Buffalo State University. Property features a 2-family, side by side double in the front & 3 single family houses in the rear. Tenants paying their own gas & electric. Currently 1 vacant, rent ready apartment. Large lot with 2 separate driveways. Property consists of 2 parcels, 125 Hawley is 4058 Sqft. with 4 units. & 129 Hawley is a

    Matthew Klafehn Listing by Park Realty of WNY LLC

    125 Hawley St, Buffalo, NY 14213
  • /28

    $189,900

    • 5 Beds
    • 2 Baths
    • 1,376 Sq Ft

    37 Northrup Place, Buffalo, NY 14214

    VRP Seller will consider offers between $189,900-$219,900. Welcome to 37 Northrup Place, a spacious 5-bedroom, 2-bath home full of character and opportunity in a convenient Buffalo location. Offering generous living space and a flexible layout, this home is ready for its next owner to make it their own. A major recent improvement includes a roof that's approximately one year old, providing peace

    Sugath Liyanage Listing by Pioneer Star Real Estate Inc.

    37 Northrup Place, Buffalo, NY 14214
  • /45

    $279,000

    $61K PRICE DROP
    • 4 Beds
    • 2 Baths
    • 2,360 Sq Ft

    539 Plymouth Ave, Buffalo, NY 14213

    Charming Buffalo West Side two family property. Discover the blend of historic character and functional fixability in this meticulously maintained property. The owner-occupied lower unit offers an eat in kitchen complete with stainless steel refrigerator, built in stove an oven, plus a living room, dining room, 2 bedrooms in the first level and 1 bathroom on the first level, 2 additional bedrooms

    Sandra DeVargas Listing by WNY Metro Roberts Realty

    539 Plymouth Ave, Buffalo, NY 14213
  • /3

    $64,900

    • 2 Beds
    • 1 Bath
    • 768 Sq Ft

    210 Person St, Buffalo, NY 14212

    Attention Investors & Flippers! Bring your tools and vision to this diamond in the rough, packed with incredible sweat-equity potential. This property offers a fantastic blank canvas for a complete renovation or a high-yield addition to your rental portfolio. Major Capital Expense Done: A brand-new roof was installed just 1 year ago, giving you a massive head start on the big-ticket items.The

    Ben Schwed Listing by Soul Side Real Estate Solutions Inc

    210 Person St, Buffalo, NY 14212
  • /2

    $49,100

    • Land
    • 3,031 Sq Ft
    • $705,460 per Acre

    24 Rustic Place, Buffalo, NY 14211

    Vacant residential lot at 24 Rustic Pl, Buffalo, NY 14211 offering excellent potential for future development or investment. Conveniently located with easy access to major roads, shopping, schools, and public transportation. Subject to municipal approvals, the property may offer the opportunity for use as off-street parking or other permitted uses. Some photos does have virtual staging for

    MD Mamun Listing by Keller Williams Realty WNY

    24 Rustic Place, Buffalo, NY 14211
  • /38

    $369,777

    • 6 Beds
    • 2 Baths
    • 2,236 Sq Ft

    467 W Delavan Ave, Buffalo, NY 14213

    Louis Vinci Listing by Howard Hanna WNY Inc.

    467 W Delavan Ave, Buffalo, NY 14213
  • /38

    $249,900

    • 2 Beds
    • 1.5 Baths
    • 1,404 Sq Ft

    7 Joseph St, Buffalo, NY 14225

    Renovated Cheektowaga Cape Cod Home! This 2-bedroom, 1 full and 1 half bath, 1,404 square foot Cape Cod home sits on 0.15 acres and is located in the Maryvale School District. The home features a remodeled kitchen and full bathroom as well as new luxury vinyl tile throughout the rest of the home. The second floor finished living space provides you with additional square footage for you to use.

    Aaron Stanley Listing by green home revolution LLC

    7 Joseph St, Buffalo, NY 14225
  • /19

    $299,900

    • 4 Beds
    • 2 Baths
    • 1,539 Sq Ft

    289 S Union Rd, Buffalo, NY 14221

    Remarks: Nestled in a prime location within walking distance to the Village of Williamsville and Main Street shopping, this charming 4-bedroom, 2-bathroom two-story home offers both convenience and a fantastic layout. The main floor features a living room, kitchen, a bedroom, and a full bath, while the second floor holds three additional bedrooms and a second full bathroom for excellent

    Boris Zinaja Listing by Realty Smith Inc.

    289 S Union Rd, Buffalo, NY 14221
  • /14

    $199,000

    • 4 Beds
    • 2 Baths
    • 1,791 Sq Ft

    57 Floss Ave, Buffalo, NY 14211

    Welcome to this well-maintained multi-family home offering a great opportunity for both owner-occupants and investors. The lower unit features 2 bedrooms and 1 full bathroom, while the upper unit also offers 2 bedrooms and 1 full bathroom. Both units include spacious kitchens, updated bathrooms, comfortable living areas, and nicely sized bedrooms. This property has been carefully maintained over

    Shirajum Monira Listing by Keller Williams Realty WNY

    57 Floss Ave, Buffalo, NY 14211
  • /37

    $199,000

    • 4 Beds
    • 1 Bath
    • 1,336 Sq Ft

    114 Wex Ave, Buffalo, NY 14211

    Welcome to 114 Wex Ave, Buffalo, NY 14211! This beautifully fully renovated 4-bedroom, 1-bath single-family home is truly move-in ready with no work needed. Step inside to find brand-new flooring throughout, freshly painted interiors, and a bright, inviting atmosphere filled with natural light. The spacious formal living room and formal dining room provide the perfect setting for everyday living

    Shirajum Monira Listing by Keller Williams Realty WNY

    114 Wex Ave, Buffalo, NY 14211
  • /20

    $119,000

    $34K PRICE INCREASE
    • 4 Beds
    • 2 Baths
    • 2,061 Sq Ft

    539 Sherman St, Buffalo, NY 14211

    Investor opportunity in the heart of Buffalo! This spacious multi-family property at 539 Sherman St offers over 2,000 sq ft of living space with strong income potential. Built in 1910, the property features 4 bedrooms and 2 full baths across two units, making it ideal for owner-occupants or savvy investors looking to expand their portfolio. Conveniently located near schools, public

    Raju Ahmed Listing by Towne Housing Real Estate

    539 Sherman St, Buffalo, NY 14211
  • /18

    $129,900

    $20K PRICE DROP
    • 4 Beds
    • 1 Bath
    • 1,549 Sq Ft

    69 Thornton Ave, Buffalo, NY 14215

    Welcome to 69 Thornton Ave, located in the City of Buffalo! This spacious 4-bedroom, 1 full bath single-family home offers a great opportunity for both owner-occupants and investors alike. The property features a functional layout with generous living space, along with a full basement that includes laundry—adding convenience for everyday living. Vinyl siding provides low-maintenance exterior

    Emmanuel Williams Listing by WNY Metro Roberts Realty

    69 Thornton Ave, Buffalo, NY 14215
  • /18

    $114,000

    • 5 Beds
    • 2.5 Baths
    • 1,578 Sq Ft

    40 Ashley St, Buffalo, NY 14212

    Welcome to 40 Ashley St, Buffalo, NY 14212! Don’t miss this excellent investment or owner-occupant opportunity. This two-unit property features a total of 5 bedrooms, 2 full bathrooms, 1 half bathroom, and 2 kitchens, making it ideal for rental income or multi-generational living. The front unit features a spacious duplex-style layout with 3 bedrooms, 1.5 bathrooms, a bright living room, formal

    Md Nabi Islam Listing by Keller Williams Realty WNY

    40 Ashley St, Buffalo, NY 14212
  • /5

    $80,000

    • Land
    • 3,149 Sq Ft
    • $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
  • /23

    $150,000

    • 5 Beds
    • 3 Baths
    • 2,860 Sq Ft

    48 Dirkson Ave Unit 3, Buffalo, NY 14224

    SALE IS PART OF AN ESTATE. BEING SOLD IN "AS IS, WHERE IS" CONDITION.NEWER ROOF AND SOME NEWER WINDOWS. 1ST FLOOR HAS TENANT. 2ND AND 3RD UNITS ARE VACANT. PRICE REFLECTS UPDATING THAT NEEDS TO BE DONE TO 2ND AND 3RD FLOOR UNITS.1ST FLOOR UNIT HAS BOTH A OPEN FRONT AND ENCLOSED BACK PORCH.2ND FLOOR UNIT HAS ENCLOSED BACK PORCH. 1ST FLOOR HAS BOILER. 2ND FLOOR HAS A FORCE HOT AIR FURNACE.

    Michael Kaney Listing by Century 21 North East

    48 Dirkson Ave Unit 3, Buffalo, NY 14224
  • /19

    $219,900

    $20K PRICE DROP
    • 5 Beds
    • 3 Baths
    • 2,852 Sq Ft

    290 Massachusetts Ave, Buffalo, NY 14213

    ***Turn Key investement oportunity.**** This fully rented with quality tenants building was fully renovated 4 years ago. New roof, new windows, new siding, new front porch, new hot water tanks, new space heaters in upper units, new hot water baseboard heat lower units, new bathrooms, new kitchens new flooring, updated elctrical, and much more. Don't miss out on this money maker opportunity or

    Jason Redding Listing by Rosato Management Services

    290 Massachusetts Ave, Buffalo, NY 14213
  • /26

    $299,900

    Open Sun 1PM - 3PM
    • 3 Beds
    • 1.5 Baths
    • 1,176 Sq Ft

    454 Campus Dr, Buffalo, NY 14226

    Welcome to 454 Campus Dr. a fully renovated and delightfully chic 3 bedroom 1/2 bath ranch in the heart of Amherst. From the moment you pull up, you’ll appreciate the phenomenal curb appeal featuring all new siding, updated windows and doors, and a welcoming front overhang designed for everyday convenience. Step inside to discover a bright, modern interior unified by stylish, neutral luxury vinyl

    Jennifer Ranaletti Listing by HUNT Real Estate ERA

    454 Campus Dr, Buffalo, NY 14226
  • /15

    $1,200,000

    • 115,000 Sq Ft

    71 Tonawanda St, Buffalo, NY 14207

    Prime development opportunity at 57–71 Tonawanda Street in Buffalo. This offering includes a fully planned 84-unit residential project with comprehensive architectural, electrical, plumbing, and full site plans already completed—saving significant time and upfront development costs. A Phase I Environmental Site Assessment has been completed, providing added confidence for investors and

    Kenneth Smith Listing by Buffalo First Realty Group Inc

    71 Tonawanda St, Buffalo, NY 14207
  • /34

    $164,900

    • 4 Beds
    • 1.5 Baths
    • 1,648 Sq Ft

    253 Benzinger St, Buffalo, NY 14206

    Welcome to 253 Benzinger st, a well-maintained home offering comfort & space. It features 4 well-appointed bedrooms and 1.5 baths. Step inside through a welcoming front foyer that sets a warm and hospitable tone for the rest of the home. The main floor boasts a bright and airy living room, a formal dining area and the 1st bedroom. A practical kitchen layout offers ample room for meal preparation

    Mohammed Nowaz Listing by HUNT Real Estate ERA

    253 Benzinger St, Buffalo, NY 14206
  • /46

    $3,500,000

    • 21 Beds
    • 35,323 Sq Ft

    68 Days Park, Buffalo, NY 14201

    68 Days Park is a 21-unit multi-family property in the Allentown Historic Preservation District, walking distance to the Buffalo Niagara Medical Campus known as the "Days Park Commons". It sits on more than a half-acre lot and includes parking for 36 vehicles. 14 of the units are 2 bedrooms. 12 of those two-bedroom units have 1 bath. 2 of those 2-bedroom units has 1.5 baths and one of them is a 2

    Carmelo Parlato Listing by Gurney Becker & Bourne

    68 Days Park, Buffalo, NY 14201
  • /32

    $259,900

    • 5 Beds
    • 2 Baths
    • 2,168 Sq Ft

    46 Krakow St, Buffalo, NY 14206

    Welcome to 46 Krakow, a beautifully renovated double in the heart of Kaisertown. Improvements include remodeled kitchens and baths, recessed lighting, new Berber and luxury vinyl flooring throughout, tasteful modern accents, newer tear-off roof, vinyl windows, new baseboard radiators, high efficiency furnace, new Pex plumbing and first floor laundry room. Nothing to do but move right in! EQUAL

    Jessica Gildea Listing by Teal Realty Management Solutions LLC

    46 Krakow St, Buffalo, NY 14206
  • /49

    $3,800,000

    New Construction
    • 6 Beds
    • 8 Baths
    • 8,776 Sq Ft

    11 Sanctuary Ct, Buffalo, NY 14221

    An incredible and rarely available opportunity to bring the floor plans from one of Brownstone Homes’ most remarkable custom builds to the 10th and final lot in this exclusive cul-de-sac at 11 Sanctuary Court in Amherst. Located within the sought-after Williamsville School District, this proposed modern luxury estate offers approximately 8,800 sq ft of finished living space with a rare 6 bedroom,

    Andrew Marlinski Listing by Keller Williams Realty WNY

    11 Sanctuary Ct, Buffalo, NY 14221
  • /34

    $125,000

    $5K PRICE DROP
    • 5 Beds
    • 2 Baths
    • 1,281 Sq Ft

    418 Ideal St, Buffalo, NY 14206

    Welcome home to this affordable Cape Cod offering plenty of space and endless potential to make it your own! Step inside to a welcoming entry that opens into the spacious living room and dining area, creating a comfortable layout for everyday living. The good-sized kitchen offers ample cabinet space, an eating area, and appliances are included. The first floor features three bedrooms and a

    Natali Barham Listing by Century 21 North East

    418 Ideal St, Buffalo, NY 14206
  • /50

    $244,900

    • 2 Beds
    • 1 Bath
    • 1,296 Sq Ft

    20 Emerald Dr, Buffalo, NY 14224

    This lovely well maintained Cape Cod style home offers numerous recent updates within the past 3 years. The list includes a new premium shingle [with transferable warranty] tear off roof with full weather shield and gutter guards, garage roof also replaced, new living room picture window and you will find replacement thermopane windows throughout the rest of the house. The backyard is stunning

    Joyce Crispino Listing by Howard Hanna

    20 Emerald Dr, Buffalo, NY 14224
  • /2

    $26,900

    • Land
    • 12,632 Sq Ft
    • $92,759 per Acre

    23 Sherman St, Buffalo, NY 14206

    Welcome to 23 Sherman St. Add this vacant lot in downtown Buffalo to your real estate portfolio. This residential lot is cleared and ready for construction. The Lot at 19 Sherman can be bundled with this one. They are both priced to sell. All information is deemed reliable but not guaranteed.

    Marilyn Robinson Listing by Mootry Murphy & Burgin Realty Group LLC

    23 Sherman St, Buffalo, NY 14206
  • /22

    $122,999

    $2K PRICE DROP
    • 3 Beds
    • 1 Bath
    • 1,350 Sq Ft

    136 Humason Ave, Buffalo, NY 14211

    Welcome to 136 Humason, located in the desirable Schiller Park neighborhood. This well-maintained home offers three generously sized bedrooms and one full bathroom. The exterior features low-maintenance vinyl siding, newer windows, and a newer roof. Inside, you’ll find spacious rooms with hardwood floors throughout. The kitchen showcases beautiful woodwork and built-in cabinetry, adding character

    Ryan Devin Listing by HUNT Real Estate ERA

    136 Humason Ave, Buffalo, NY 14211
  • /44

    $219,900

    $5K PRICE DROP
    • 4 Beds
    • 1.5 Baths
    • 1,728 Sq Ft

    141 Westminster Ave, Buffalo, NY 14215

    Welcome to this completely renovated move-in-ready single family residence in highly desirable area of Buffalo.It is conveniently situated within minutes of I-90 and 33 Highway, Galaria Mall, UB South Campus, and easy access to the airport and downtown Buffalo.. This charming residence is calling to its new owner with a spacious living room complemented by a sunlit enclosed porch that can serve

    AKM Husen Listing by Howard Hanna WNY Inc.

    141 Westminster Ave, Buffalo, NY 14215
  • /2

    $120,000

    $45K PRICE INCREASE
    • 3 Beds
    • 1 Bath
    • 1,145 Sq Ft

    84 Thompson St, Buffalo, NY 14207

    Investor Opportunity: 84 Thompson St, Buffalo, NY 14207 -Vacant rehab character project in the established Black Rock neighborhood — a classic Buffalo fix-and-flip or BRRRR candidate on a quiet dead-end street with a large yard. 3 beds, 1 bath • 1,145 sq ft living space Built 1890 on a ~3,200 sq ft lot (vinyl siding, low-maintenance exterior) Currently vacant and in need of rehab — perfect for

    Alan Findlay Listing by Blue Eagle Realty Corp.

    84 Thompson St, Buffalo, NY 14207
  • /46

    $264,900

    $15K PRICE DROP
    • 4 Beds
    • 2.5 Baths
    • 2,274 Sq Ft

    131 Burch Ave, Buffalo, NY 14210

    Huge double lot is T-Shaped, fully fenced and has Apple and Pear trees. Lots this large are uncommon for the area and it spans close to 1/4 acre with frontage on Burch Ave and Wildwood Place. When we say rebuilt from ground up it's not an understatement. Owner started with a complete new foundation, drain tiles and basement walls. Updated and remodeled kitchens, bathrooms, windows, roofing,

    Steven Martin Listing by Howard Hanna WNY Inc.

    131 Burch Ave, Buffalo, NY 14210
  • /47

    $339,900

    $25K PRICE DROP
    • 5 Beds
    • 2,458 Sq Ft

    93 Martin Ave, Buffalo, NY 14219

    Attention investors and owner-occupants! Well-maintained 5-unit residential property in the heart of Blasdell. The main building offers a spacious 3-bedroom apartment with a covered front porch and three 1-bedroom units. The rear cottage includes 1 bedroom, living room, kitchen, and a full bath. Each unit has seen various updates over the years. Ample off-street parking with a large driveway and

    Michael Kearns Listing by WNY Metro Roberts Realty

    93 Martin Ave, Buffalo, NY 14219
  • /32

    $274,900

    $5K PRICE DROP
    • 4 Beds
    • 2 Baths
    • 2,464 Sq Ft

    43 Hawthorne Ave, Buffalo, NY 14223

    Fantastic Two-Unit Brick Home in the Kenilworth Neighborhood! Easy to show and full of opportunity! This well-maintained, all-brick two-unit home is located in the desirable Kenilworth neighborhood and offers excellent potential for both owner-occupants and investors.The property features a private driveway, a two-car garage, and a full basement for additional storage or future possibilities.

    Hope Young-Watkins Listing by WNY Metro Roberts Realty

    43 Hawthorne Ave, Buffalo, NY 14223
  • /2

    $129,900

    • Land
    • 8,751 Sq Ft
    • $646,590 per Acre

    451 S Park Ave, Buffalo, NY 14204

    Building lots in the developing First Ward neighborhood. All three parcels combine to over 160 square feet of frontage. Located less than a mile from Larkinville, Key Bank Center, Buffalo Creek Casio where all amenities are just a short distance away! Sale includes 461 South Park with Parcel ID: 140200-122-320-0005-011-000 and 455 South Park with Parcel ID:140200-122-320-0005-008-100.

    Paul Milley Listing by Park Realty of WNY LLC

    451 S Park Ave, Buffalo, NY 14204
  • /45

    $550,000

    • 1 Bed
    • 3 Baths
    • 1,720 Sq Ft

    133 School St, Buffalo, NY 14213

    Welcome to The Triangle House, brought to life by Artist Ben Perrone and Architect Kevin Connors! This home boasts 1,700 Square Feet of economically engineered living space. Situated on a 6,000 Square Foot lot overlooking a quiet park, this home is ready to be appreciated by the artist in you. The home opens up to a beautiful open floorplan with a Pneumatic Elevator and suspended staircase

    Courtland Van Deusen Listing by Coldwell Banker Integrity Real Estate

    133 School St, Buffalo, NY 14213

Showing Results 601 - 640, Page 16 of 18

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