746

Homes for Sale near P.S. 80 - Highgate Heights Elementary School

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  • /19

    $199,000

    • 1 Bed
    • 1 Bath
    • 539 Sq Ft

    849 Delaware Ave Unit 704, Buffalo, NY 14209

    Welcome to 849 Delaware Avenue #704! This beautifully updated 1-bedroom, 1-bath condo offers stunning views of some of Buffalo’s iconic architecture. Step inside to discover large north-facing windows that flood the open-concept living room and dining area with natural light. This condo has been completely updated. The updates include flooring, recessed lighting, kitchen, bathroom, thermal

    Michael Boland Listing by Howard Hanna WNY Inc.

    849 Delaware Ave Unit 704, Buffalo, NY 14209
  • /37

    $399,000

    • 4 Beds
    • 2.5 Baths
    • 2,239 Sq Ft

    4 Macarthur Dr, Buffalo, NY 14221

    Welcome to 4 Macarthur Drive, this open and bright home has 4 bedrooms, 2.5 baths and is in top rated Williamsville school district. This home you don't want to miss! Elegant foyer welcomes you and leads to airy living and dining area with gleaming hardwoods. Recently updated throughout, including fresh paint 2025 and updated kitchen with newer appliances. Primary bedroom with updated ensuite

    Giavanna Rossi Listing by Howard Hanna WNY Inc

    4 Macarthur Dr, Buffalo, NY 14221
  • /34

    $345,000

    • 3 Beds
    • 2 Baths
    • 1,902 Sq Ft

    26 Harwood Dr, Buffalo, NY 14226

    Owner will consider all offers between $345,000-$390,000 on this beautifully updated 3-bedroom, 2-bath home in Snyder & served by the highly regarded Smallwood Elementary School. Step into a sunlit living & dining room boasting hardwood floors, a cozy gas fireplace, & fresh paint throughout for a crisp, modern feel. The spacious eat-in kitchen features ample cabinetry for abundant storage, a tile

    Joseph Trifilo Listing by HUNT Real Estate Corporation

    26 Harwood Dr, Buffalo, NY 14226
  • /41

    $235,000

    • 3 Beds
    • 1 Bath
    • 1,295 Sq Ft

    356 Knowlton Ave, Buffalo, NY 14217

    Perfectly placed in the Kenmore Village, this three bedroom colonial has all of the original charm that you could ask for! A leaded glass window and mail slot greets you as you enter through the foyer into the bright and airy living room, featuring pristine gumwood woodwork, quaint wall nooks and a delightful fireplace. The formal dining room offers plenty of natural light through the sliding

    Melissa Tropp Listing by HUNT Real Estate Corporation

    356 Knowlton Ave, Buffalo, NY 14217
  • /28

    $385,000

    • 2 Beds
    • 2 Baths
    • 1,214 Sq Ft

    751 W Ferry #4cd Unit 4CD, Buffalo, NY 14222

    Welcome to 751 W Ferry St Unit 4CD! This beautifully renovated co op is located in the charming Tudor Plaza and Buffalo’s vibrant Delaware–West Ferry neighborhood. This spacious 1,214 sq ft unit offers 2 bedrooms and 2 full baths, updated with style and elegance. Step into the welcoming foyer with ample closet space that opens to a sunlit living/dining area. Large windows throughout provide

    Michael Boland Listing by Howard Hanna WNY Inc.

    751 W Ferry #4cd Unit 4CD, Buffalo, NY 14222
  • /2

    $165,000

    • 4 Beds
    • 2 Baths
    • 1,596 Sq Ft

    102 Freund St, Buffalo, NY 14215

    This large brick home offers 4 bed and 2 baths, spacious living areas with unique features. Roof was replaced in 2020. Offers reviewed as they come in.

    Carver Jarmon Listing by WNY Metro Roberts Realty

    102 Freund St, Buffalo, NY 14215
  • /25

    $237,000

    • 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
  • /37

    $149,900

    • 1 Bed
    • 1 Bath
    • 795 Sq Ft

    110 Charter Oaks Dr Unit 3, Buffalo, NY 14228

    Fantastic end unit condo located in highly sought after Charter Oaks Community. So convenient with the 990 and 290 highways, makes any commute a breeze. Large living room with sliding door to nice size upper deck. Dinette area opens to the LR. Modern kitchen with white cabinets, ceramic backsplash, vinyl floor, stove & refrigerator included. Nice size bedroom and closet space,clean modern

    Chaya Adelman Listing by Arrowhead Property Management, LLC

    110 Charter Oaks Dr Unit 3, Buffalo, NY 14228
  • /50

    $385,900

    • 4 Beds
    • 2 Baths
    • 2,030 Sq Ft

    114 Fairways Blvd, Buffalo, NY 14221

    This spacious 4-bedroom, 1.5-bath home offers the best of style, comfort, and convenience. Inside, you’ll find original oak hardwood floors, a kitchen with granite countertops, and plenty of living space. Unwind in your private sauna, entertain on the gorgeous patio, or go for a walk around this quiet neighborhood. Peace of mind comes with recent major updates such as a new boiler, updated

    Kathleen Holler Listing by Howard Hanna WNY Inc.

    114 Fairways Blvd, Buffalo, NY 14221
  • /47

    $239,900

    • 4 Beds
    • 2 Baths
    • 2,072 Sq Ft

    82 John Paul Ct, Buffalo, NY 14206

    Welcome to 82 John Paul Ct, a beautifully updated single-family home located on a quiet cul-de-sac just minutes from downtown Buffalo. Built in 1988, this spacious property offers 4 generously sized bedrooms and 2 full bathrooms, perfect for growing families or those who love to entertain. The home features newly renovated bathrooms, brand-new flooring, fresh paint, and stylish lighting

    Md Nazmul Hussain Listing by HUNT Real Estate Corporation

    82 John Paul Ct, Buffalo, NY 14206
  • /50

    $819,900 Open Sat 12PM - 2PM

    • 5 Beds
    • 3.5 Baths
    • 3,939 Sq Ft

    40 Westfield Rd, Buffalo, NY 14226

    Elegant & beautifully maintained Colonial tucked away on a quiet, tree-lined street in the heart of Snyder’s most desirable and walkable neighborhood. This updated home offering over 4500 sq ft blends classic architecture with modern convenience. From the elegant interiors to the serene backyard retreat, every detail has been curated for everyday living and effortless entertaining. First floor

    Michelle Winer Listing by HUNT Real Estate Corporation

    40 Westfield Rd, Buffalo, NY 14226
  • /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
  • /3

    $44,900

    • Land
    • 0.10 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
  • /48

    $179,900

    • 6 Beds
    • 3 Baths
    • 1,968 Sq Ft

    170 Howard St, Buffalo, NY 14206

    Great investment opportunity or perfect for owner-occupants! This spacious multi-family home offers two distinct units with plenty of updates and living space. The first-floor unit features 2 bedrooms, a full bathroom, a large living room, formal dining area, and an eat-in kitchen—ideal for comfortable everyday living. The upper unit spans the second and third floors, providing a unique layout

    Md Nazmul Hussain Listing by HUNT Real Estate Corporation

    170 Howard St, Buffalo, NY 14206
  • /37

    $134,900

    • 3 Beds
    • 1 Bath
    • 1,250 Sq Ft

    2106 Bailey Ave, Buffalo, NY 14211

    This beautifully updated 3-bedroom, 1-bathroom single-family home is ready for its next owner! Featuring modern finishes throughout, a spacious layout, and a large backyard perfect for relaxing or entertaining, this property offers comfort, style, and peace of mind. Whether you're a first-time buyer or looking to downsize, this turnkey home is a fantastic opportunity to enjoy low-maintenance

    Jewwl Hossain Listing by Red Door Real Estate WNY LLC

    2106 Bailey Ave, Buffalo, NY 14211
  • /21

    $165,000

    • 4 Beds
    • 2 Baths
    • 1,743 Sq Ft

    705 Northumberland Ave, Buffalo, NY 14215

    Here's your chance to own a fully occupied two-unit property in the heart of Buffalo's East Side with a strong rental history spanning over 11 years. Located on a quiet, residential street, 705 Northumberland has been meticulously maintained and thoughtfully updated, making it a solid addition to any investment portfolio. Each unit features 2 bedrooms and 1 full bath, and has just been upgraded

    Andrew Scott Listing by Scott Realty Group LLC

    705 Northumberland Ave, Buffalo, NY 14215
  • /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
  • /42

    $299,900

    • 3 Beds
    • 2 Baths
    • 1,518 Sq Ft

    52 Hawthorne Ave, Buffalo, NY 14223

    Priced to sell! NEW NEW NEW right down to the studs! The beautiful 3/2 Colonial has been completely renovated! New roof, windows, siding, rafters, plumbing, electrical, furnace, HWT, sump pump, flooring, fixtures, cabinetry, trim, lighting... you name it, it's all NEW!! All work was town permitted and compliant. The white kitchen offers quartz tops, stainless appliances and a door to the back

    Lynne Logan Listing by Howard Hanna WNY Inc.

    52 Hawthorne Ave, Buffalo, NY 14223
  • /40

    $149,900

    • 4 Beds
    • 1.5 Baths
    • 1,754 Sq Ft

    31 Sherwood St, Buffalo, NY 14213

    Welcome to 31 Sherwood Street, Buffalo, NY! This two-story home features a spacious layout with a living room, dining area, kitchen, and half bathroom on the lower level. Upstairs, you'll find four generously sized bedrooms and a full bathroom, offering plenty of space for a growing family or guests. The home also includes a full block basement, perfect for storage.

    Md Nazmul Hussain Listing by HUNT Real Estate Corporation

    31 Sherwood St, Buffalo, NY 14213
  • /23

    $1,250,000

    • 9 Beds
    • 15,832 Sq Ft

    1416 Main St, Buffalo, NY 14209

    1416 Main Street is a fully renovated 10-unit mixed-use property in the heart of Buffalo’s vibrant Midtown corridor. Formerly known as Engine 16, this historic fire hall has been revitalized into a modern, income-producing asset while preserving its character. The building features 9 updated residential units—seven 1-bedroom and two 2-bedroom apartments—plus one ground-floor commercial space,

    Kasey Haseley Listing by Chubb-Aubrey Leonard Real Estate

    1416 Main St, Buffalo, NY 14209
  • /49

    $219,900

    • 5 Beds
    • 2 Baths
    • 1,573 Sq Ft

    266 Lackawanna Ave Unit 2, Buffalo, NY 14212

    3/2 multi-family sitting on a huge 6970 Sq ft lot, the lower unit is owner occupied and will be vacant before closing, the upper is tenant occupied, paying $775/mon, always paying on time and would like to stay.The tenant is willing to move out as well if the new owner wants, but expects proper notification and enough time. .The vacant big green lot(260 Lackawanna Ave) next to the property is

    Mohammad Rahman Listing by Keller Williams Realty WNY

    266 Lackawanna Ave Unit 2, Buffalo, NY 14212
  • /29

    $219,900

    • 6 Beds
    • 2 Baths
    • 2,875 Sq Ft

    478 Northland Ave, Buffalo, NY 14211

    Investors' special! Tenant occupied multi-family, with 6 beds and 2 baths and new roof(overlay) ,the property is sitting on a corner lot and conveniently located to all amenities .Long term tenants, would like to stay. Open House July 19th,Saturday, from 1-3PM.Offers,if any,will be reviewed on Friday July 25th at 6:00PM.

    Mohammad Rahman Listing by Keller Williams Realty WNY

    478 Northland Ave, Buffalo, NY 14211
  • /48

    $525,000

    • 4 Beds
    • 2.5 Baths
    • 2,214 Sq Ft

    429 Mill St, Buffalo, NY 14221

    Commanding brick historical home on a rare 3/4 acre treed & private setting just outside of the Village. Very unique & special property in the family for 40yrs. Extensive renovations completed to the highest of standards & materials. Gorgeous kitchen boasts soft-close cabinetry, pull-out shelving, double under-mount sinks, under cabinet lighting, quartz counters, and full suite of s/s appliances.

    Amy Benjamin Listing by HUNT Real Estate Corporation

    429 Mill St, Buffalo, NY 14221
  • /39

    $159,900

    • 4 Beds
    • 1.5 Baths
    • 1,406 Sq Ft

    67 Winslow Ave, Buffalo, NY 14208

    Welcome to 67 Winslow Ave! This beautifully updated home offers a spacious layout with a fully furnished interior—furniture and appliances negotiable! The lower level features a bright living room, an eat-in kitchen, a separate kitchen area, one bedroom, and a convenient half bathroom. Upstairs, you'll find three generously sized bedrooms and a full bathroom. Additional space includes a full

    Md Nazmul Hussain Listing by HUNT Real Estate Corporation

    67 Winslow Ave, Buffalo, NY 14208
  • /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
  • /9

    $320,000

    • 4 Beds
    • 4 Baths
    • 1,606 Sq Ft

    14 Dolphann Dr, Tonawanda, NY 14150

    This property features 2 bedroom with 1 full bathroom on both the upper and lower floor; A huge roofing deck in back yard offer a site to enjoy the leisure time. Newer vinyal flooring and high efficiency furnace. Close to UB north campus, and Asia food market. Walking distance to the Flourishing Niagara Falls Boulevard. Great opportunity for home buyers or rental for investors.

    Hua Yang Listing by Keller Williams Realty WNY

    14 Dolphann Dr, Tonawanda, NY 14150
  • /34

    $234,900

    • 3 Beds
    • 1 Bath
    • 1,100 Sq Ft

    169 Nadine Dr, Buffalo, NY 14225

    Welcome to 169 Nadine Drive! Nestled in a quiet and friendly neighborhood, this beautifully updated 3-bedroom, 1-bath ranch is ready to welcome you home. Enjoy the warmth and elegance of newly refinished hardwood floors throughout the spacious interior. The home features a private backyard, ideal for relaxing or outdoor gatherings, and a generous basement offering excellent potential for

    John Corrao Listing by MJ Peterson Real Estate Inc.

    169 Nadine Dr, Buffalo, NY 14225
  • /45

    $229,900

    • 3 Beds
    • 2 Baths
    • 1,092 Sq Ft

    42 Argus St, Buffalo, NY 14207

    Step into this beautifully remodeled single-family home, fully updated from top to bottom in 2024. A spacious entryway welcomes you into the large living room and formal dining area—perfect for entertaining or everyday comfort. The brand-new kitchen features modern finishes and fixtures, while both full bathrooms have been completely renovated with contemporary style. The layout includes one

    Robyn Sansone Listing by WNYbyOwner.com

    42 Argus St, Buffalo, NY 14207
  • /9

    $799,000

    • 8 Beds
    • 6,319 Sq Ft

    338 Auburn Ave, Buffalo, NY 14213

    338 Auburn Ave is a rare opportunity to own a fully occupied 8-unit apartment building in Buffalo’s vibrant West Side. Each unit features 1 bedroom and 1 bathroom, ideal for steady rental demand. All utilities are included in rent, simplifying management and appealing to tenants. With a strong rental history and a prime location near Elmwood Village, Five Points, and public transportation,

    Kasey Haseley Listing by Chubb-Aubrey Leonard Real Estate

    338 Auburn Ave, Buffalo, NY 14213
  • /14

    $139,900

    • 4 Beds
    • 2 Baths
    • 1,645 Sq Ft

    38 Langmeyer Ave, Buffalo, NY 14215

    Welcome to 38 Langmeyer Avenue — a solid two-family home with a lot of potential. Each unit has 2 bedrooms with a bonus space in the lower unit and a comfortable layout. There’s also a detached one-car garage and a nice outdoor area to enjoy. Whether you’re looking to occupy one unit and rent the other or just want to add to your investment portfolio, this property is a great opportunity.

    Matthew Robinson Listing by WNY Metro Roberts Realty

    38 Langmeyer Ave, Buffalo, NY 14215
  • /18

    $169,000

    • 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
  • /29

    $249,900

    • 4 Beds
    • 2.5 Baths
    • 1,858 Sq Ft

    153 Peinkofer Dr, Buffalo, NY 14225

    Looking for space, this is it! 4 bedrooms 2 1⁄2 baths, with a family room and a wet bar. Electric fireplace in the living room and all windows have been updated. Beautiful outdoor deck for your morning coffee. 1 1⁄2 garage and a 220 EV connection for your electric vehicle. Oak kitchen with a white backsplash and stainless-steel appliances are staying. 1st floor laundry /mud room. You also get

    Rich Santarsiero Listing by Saperston Real Estate Corp

    153 Peinkofer Dr, Buffalo, NY 14225
  • /34

    $139,900

    • 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
  • /21

    $314,900

    • 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
  • /43

    $624,900

    • 8 Beds
    • 4 Baths
    • 5,040 Sq Ft

    806 Cleveland Dr, Buffalo, NY 14225

    Rare opportunity to own an impeccably maintained, income producing 4-unit brick colonial ideally located near I-90, Snyder, and Williamsville, within the sought-after Cleveland Hill School District. This meticulously maintained property offers four spacious 2-bedroom, 1-bathroom units, each featuring a formal dining room, large living room, and two private entrances. The units are bright, clean,

    Aaron Schreiber Listing by HUNT Real Estate Corporation

    806 Cleveland Dr, Buffalo, NY 14225
  • /49

    $359,999

    • 3 Beds
    • 1.5 Baths
    • 1,273 Sq Ft

    31 Noel Dr, Buffalo, NY 14221

    MOVE RIGHT IN. Open Floor Plan. Every inch of this all brick ranch has been renovated or some upgrade in the last 10 years. Ceramic foyer welcomes you. Inviting concrete front porch. Hardwoods in the Living and Dining areas with Custom built ins. Kitchen boasts rich custom wood cabinets, granite countertops. Deep stainless double sinks w pasta faucet, stainless face refrigerator, electric range,

    Suzanne Chaskes Listing by Howard Hanna WNY Inc.

    31 Noel Dr, Buffalo, NY 14221
  • /36

    $189,900

    • 3 Beds
    • 1 Bath
    • 1,113 Sq Ft

    78 Heather Rd, Buffalo, NY 14225

    This charming Cape Cod-style home, situated on a quaint neighborhood street, has 3 bedrooms and 1 bath and is close to everything, with an easy commute location. The kitchen has been updated with a stainless steel sink, granite countertops, abundant cabinetry featuring a pantry for storage, and a first-floor laundry Room with a large storage closet. Fully fenced extra-large yard, deck perfect for

    Kathleen Quebral Listing by Howard Hanna WNY Inc.

    78 Heather Rd, Buffalo, NY 14225
  • /40

    $239,900

    • 3 Beds
    • 1 Bath
    • 988 Sq Ft

    41 Dennis Ln, Buffalo, NY 14227

    Beautifully Renovated Ranch in a Prime Cheektowaga Location! Welcome to 41 Dennis Ln, a beautifully updated and highly sought-after ranch home that's move-in ready and packed with modern charm. Featuring 3 spacious bedrooms and a fully remodeled bathroom, this home combines stylish comfort with everyday functionality. Step inside to discover a stunning renovated kitchen complete with new

    Anthony Dubreville Listing by Keller Williams Realty WNY

    41 Dennis Ln, Buffalo, NY 14227
  • /35

    $199,900

    • 5 Beds
    • 2 Baths
    • 2,092 Sq Ft

    85 Brayton St, Buffalo, NY 14213

    Located in a well-established neighborhood, this classic upper-lower duplex presents a rare opportunity to own a property full of character and untapped potential. Offering over 2,000 sq ft of total living space, this two-family home is perfect for investors, owner-occupants, or those seeking a multigenerational living solution. The lower-level unit features 2 generously sized bedrooms, 1 full

    Yangtian Guo Listing by Keller Williams Realty Greater Rochester

    85 Brayton St, Buffalo, NY 14213

Showing Results 401 - 440, Page 11 of 18

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