Homes for Sale near St Mark Elementary School

• 

  

  

  /32

  $369,000

  $16K PRICE DROP

  • 2 Beds
  • 2 Baths
  • 1,221 Sq Ft

  207 Admirals Walk, Buffalo, NY 14202

  Experience the pinnacle of urban sophistication in this refined sanctuary perched high above the pulse of the city. This is not just a residence. It is a front row seat to the skyline, where floor to ceiling glass frames the sweeping, panoramic views that transform from golden hour glows to a shimmering tapestry of midnight lights. This unit is one of the only that allows direct access from your

  Alison Burke Listing by Keller Williams Realty WNY

  

  207 Admirals Walk, Buffalo, NY 14202
• 

  

  

  /47

  $699,999

  • 4 Beds
  • 5 Baths
  • 3,144 Sq Ft

  829 Auburn Ave, Buffalo, NY 14222

  Stunning Historic Home in Elmwood Village | Fully Renovated & Move-In ReadyWelcome to 829 Auburn Avenue, a beautifully restored 1905 Victorian offering over 3,144 square feet of timeless elegance and modern luxury in Buffalo’s premier Elmwood Village neighborhood. This 4-bedroom, 2 full and 3 half-bath home blends historic character with high-end updates for a true turnkey opportunity. Fully

  Christopher Wietig Listing by Buffalo Property Partners LLC

  

  829 Auburn Ave, Buffalo, NY 14222
• 

  

  

  /25

  $146,000

  • 1 Bed
  • 1 Bath
  • 895 Sq Ft

  73 Henel Ave Unit 5, Amherst, NY 14226

  Discover this bright, inside-unit gem featuring vaulted ceilings and an open-concept living and dining area. Enjoy relaxing on your covered patio with direct views of the sparkling pool. The spacious bedroom offers a peaceful retreat, and a little TLC will easily transform this space into a spectacular home. Relax by the pool. Great location. Walk to Wegmans or BJ'S. Storage and laundry are in

  Hua Yang Listing by Keller Williams Realty WNY

  

  73 Henel Ave Unit 5, Amherst, NY 14226
• 

  

  

  /32

  $125,000

  Open Sun 1PM - 3PM

  • 4 Beds
  • 2 Baths
  • 2,010 Sq Ft

  253 Gold St, Buffalo, NY 14206

  Discover this beautiful updated ready to move multi family home with 2 bedrooms and 1 bathroom at the lower and upper unit along with crawl basement and crawl attic space located on east side of Buffalo, Close to religious facility. The entire property was remodeled, renovated along with fresh paint. The exquisite interiors with wonderful wooden work make you feel at home with comfort, peace and

  Raqib Mahmud Listing by HUNT Real Estate Corporation

  

  253 Gold St, Buffalo, NY 14206
• 

  

  

  /27

  $205,000

  New Construction

  • 3 Beds
  • 1.5 Baths
  • 1,365 Sq Ft

  288 Miami St, Buffalo, NY 14204

  This newly constructed home features 3 bedrooms, 1.5 baths, and brand-new appliances—perfect for first-time buyers or those continuing their homeownership journey. Thoughtfully designed for modern living, the home offers comfort, efficiency, and a functional two-story layout. Located on a neighborhood street with convenient access to public transportation, this property provides both

  Yvonne Bailey Listing by City of Buffalo

  

  288 Miami St, Buffalo, NY 14204
• 

  

  /4

  $10,000

  • Land
  • 3,271 Sq Ft
  • $133,156 per Acre

  248 Adams St, West Seneca, NY 14206

  Tucked along an amazing residential block on Buffalo’s East Side, 248 Adams Street offers a blank canvas for new construction and creative redevelopment. Measuring approximately 30 x 110 feet (.0751 acres), this parcel provides an ideal footprint for a single-family home, infill development, or a thoughtfully designed urban garden space. Surrounded by established homes and ongoing neighborhood

  Ayat Nieves Listing by Iconic Real Estate

  

  248 Adams St, West Seneca, NY 14206
• 

  

  /20

  $199,000

  Open Sun 1PM - 3PM

  • 3 Beds
  • 1 Bath
  • 875 Sq Ft

  634 Loretta St, Tonawanda, NY 14150

  Welcome to this well-maintained 3-bedroom ranch, offering comfortable one-floor living with a bright, updated interior. The home features hardwood floors and an updated kitchen with soft close cabinetscreating a warm and functional space for everyday cooking and gathering. Thoughtful, recessed lighting enhances the kitchen, living room, and office, creating a clean modern look. A convenient

  Gino Albini Listing by MJ Peterson Real Estate Inc.

  

  634 Loretta St, Tonawanda, NY 14150
• 

  

  /42

  $189,900

  $10K PRICE DROP

  • 4 Beds
  • 2 Baths
  • 1,718 Sq Ft

  132 Ontario St, Buffalo, NY 14207

  Welcoming front porch. Massive living room. Beautiful kitchen with granite countertops, white cabinets, and stainless steel appliances. Dinette area. New flooring throughout. Freshly painted throughout. New carpeting. 4 bedrooms. Both bathrooms are completely updated. 2nd floor laundry. New windows. New drywall, trim, and doors. Updated: architectural roof, electrical and hot water tank. Large

  Samantha Muscato Listing by Iconic Real Estate

  

  132 Ontario St, Buffalo, NY 14207
• 

  

  /20

  $235,000

  $35K PRICE DROP

  • 4 Beds
  • 2 Baths
  • 1,320 Sq Ft

  168 Callodine Ave, Buffalo, NY 14226

  Spacious single family home located in the desirable Amherst area, within the Sweet Home school district. This property offers generous living space, a functional layout, and great potential for both owner occupants and investors. Conveniently located near shopping, restaurants, schools, and major highways, providing easy access to all Amherst has to offer. Strong opportunity to personalize or

  Crystal Moye Listing by HUNT Real Estate Corporation

  

  168 Callodine Ave, Buffalo, NY 14226
• 

  

  /29

  $119,900

  • 3 Beds
  • 1.5 Baths
  • 1,401 Sq Ft

  934 Kensington Ave, Buffalo, NY 14215

  Great opportunity at 934 Kensington Ave! This 3-bedroom, 1.5-bath home offers strong potential for both investors and owner-occupants looking to build equity. The property features a functional layout with spacious living areas and solid bones, ready for your personal touch or updates. One key highlight is the shared driveway with the neighboring property at 930 Kensington Ave, making this an

  Fuzayel Ahmed Listing by HUNT Real Estate Corporation

  

  934 Kensington Ave, Buffalo, NY 14215
• 

  

  /50

  $1,199,000

  • 4 Beds
  • 9,672 Sq Ft

  196 Linwood Ave, Buffalo, NY 14209

  Welcome to this spectacular 5 unit in Buffalo’s desirable Linwood Historic District—an area known for its tree-lined streets, architectural charm, and proximity to Elmwood Village and the Medical Campus. This expansive property features a massive, brick residence divided into 4 beautiful apartments loaded with original charm including Inlaid Hardwood floors, ornate trim work, period moldings, a

  Matthew Klafehn Listing by Park Realty of WNY LLC

  

  196 Linwood Ave, Buffalo, NY 14209
• 

  

  /32

  $145,000

  • 4 Beds
  • 1.5 Baths
  • 1,100 Sq Ft

  88 Lewis St, Buffalo, NY 14206

  Welcome to 88 Lewis Street! This updated Cape Cod offers 4 bedrooms, 1.5 baths, and a functional layout with two bedrooms and a full bath on the first floor, plus two additional bedrooms and a half bath upstairs. The spacious eat-in kitchen provides plenty of room for cooking and gathering, while first-floor laundry hookups add everyday convenience. Recent improvements include new flooring

  Jack Winterhalter Listing by Howard Hanna WNY Inc.

  

  88 Lewis St, Buffalo, NY 14206
• 

  

  /27

  $195,000

  • 3 Beds
  • 1 Bath
  • 1,164 Sq Ft

  120 Leonard Post Dr, Buffalo, NY 14211

  Enjoy this charming brick Cape Cod home, ideally located near the Galleria Mall, Walden Avenue, and Harlem Road—close to shopping, dining, and all amenities. Featuring a new roof and updated mechanicals, this wellmaintained Cheektowaga home offers a comfortable and inviting layout. The private backyard provides a peaceful retreat, while the generously sized sunroom adds extra living space perfect

  Charisse Vaughn Listing by Symphony Real Estate LLC

  

  120 Leonard Post Dr, Buffalo, NY 14211
• 

  

  /30

  $379,900

  • 6 Beds
  • 3.5 Baths
  • 2,506 Sq Ft

  545 Niagara St, Buffalo, NY 14201

  Exciting opportunity on Buffalo's West Side! This Fully renovated two-family property is ideal for an owner-occupant looking to offset housing costs with rental income or for an investor seeking a turnkey addition to their portfolio. Conveniently located near D'Youville University, Lasalle Park, Downtown Buffalo, shopping, dining, public transportation, & major thruway systems. The lower unit

  Tisha Jeffries Listing by Buffalo First Realty Group Inc

  

  545 Niagara St, Buffalo, NY 14201
• 

  

  /26

  $191,250

  • 1 Bed
  • 1.5 Baths
  • 850 Sq Ft

  251 Main St Unit 302, Buffalo, NY 14203

  Welcome to The Glenny! One of Buffalo's most beautiful and historic buildings is now on the market for the first time. The iconic façade harkens back to the early days of Buffalo, while maintaining its impressive and distinctive presence on the Main Street corridor. Built in 1873 and most recently an apartment building, 36 fully renovated condominium units are available to purchase with varying

  Deacon Tasker Listing by HUNT Real Estate Corporation

  

  251 Main St Unit 302, Buffalo, NY 14203
• 

  

  /8

  $585,000

  • 6 Beds
  • 7,407 Sq Ft

  337 Prospect Ave, Buffalo, NY 14201

  Welcome to 337-339 Prospect Avenue! This fantastic 6-unit investment property in Buffalo’s Prospect Ave Corridor/ West Side neighborhood! Featuring 2 1-bedroom apartments 2 2-bedroom apartments 2 3-bedroom apartments with bright layouts, and classic Buffalo brick 3 story charm. Approx. 7,400 sq ft building on a compact 2,665 sq ft lot with utilities are separately metered (gas and electric),

  Patrick Hannon Listing by Good Carbon Community LLC

  

  337 Prospect Ave, Buffalo, NY 14201
• 

  

  /9

  $163,000

  $14K PRICE DROP

  • 4 Beds
  • 2 Baths
  • 1,804 Sq Ft

  64 Wyandotte Ave, Buffalo, NY 14207

  Investor Opportunity: 64 Wyandotte Avenue, Buffalo, NY 14207, this turnkey 2-family duplex in the established Riverside neighborhood offers immediate cash flow and strong value-add potential.The property features 1,804 sq ft across two units with a total of 4 bedrooms and 2 bathrooms on a 0.15-acre lot. Built in 1922, it has the classic solid construction common in Buffalo’s West Side — perfect

  Alan Findlay Listing by Blue Eagle Realty Corp.

  

  64 Wyandotte Ave, Buffalo, NY 14207
• 

  

  /17

  $219,900

  • 6 Beds
  • 2.5 Baths
  • 1,737 Sq Ft

  77 Meech Ave, Buffalo, NY 14208

  Attention all investors! 6 bedroom 2.5 bath single family property. Tenants leases were up June 1. This property rented for $2500 a month! Just steps away from Canisius College makes it the ideal rental property! Updates include: furnace 2017, roof 2017 full tear off, updated 150 amp service 2017, new bathroom 2024. Some new appliances 2025. Showings begin immediately! Open house Saturday

  Kelly Limina Listing by HUNT Real Estate Corporation

  

  77 Meech Ave, Buffalo, NY 14208
• 

  

  /29

  $200,000

  • 2 Beds
  • 1 Bath
  • 976 Sq Ft

  125 Edward St Unit 4C, Buffalo, NY 14201

  Bright, airy top-floor condo in a secure, well-maintained building in the heart of Buffalo’s vibrant Allentown district. This beautifully updated 2-bedroom unit is filled with natural light thanks to expansive windows and an open, spacious layout. Enjoy all-new flooring and fresh paint throughout, along with a newer kitchen featuring granite countertops and modern finishes. Perfectly situated in

  Dianne Michlinski Listing by HUNT Real Estate Corporation

  

  125 Edward St Unit 4C, Buffalo, NY 14201
• 

  /2

  $169,900

  • 6 Beds
  • 2 Baths
  • 2,332 Sq Ft

  53 Kehr St, Buffalo, NY 14211

  Multi-unit upper/lower property in Buffalo! Each unit has a practical layout with well-sized rooms, featuring 3 bedrooms, 1 full bathroom, an eat-in kitchen, formal dining room, and living room with original hardwood floors. Newer mechanical updates include both furnaces and hot water tanks (2025). The lower unit includes a porch, and the upper unit has a balcony, giving each unit private outdoor

  Sonya Jindra Listing by WNY Metro Roberts Realty

  

  53 Kehr St, Buffalo, NY 14211
• 

  /2

  $16,000

  • Land
  • 3,001 Sq Ft
  • $232,221 per Acre

  137 Kosciuszko St, Buffalo, NY 14212

  This lot could be the site of your investing house or dream home.Close to local amenities, schools,hospital, and public transportation for easy access to everything you need. Don't miss your chance to invest in your future and create the home you've always envisioned.

  Lubna Islam Listing by HUNT Real Estate Corporation

  

  137 Kosciuszko St, Buffalo, NY 14212
• 

  

  /24

  $129,900

  • 3 Beds
  • 1 Bath
  • 1,288 Sq Ft

  442 Goethe St, Buffalo, NY 14212

  Welcome to 442 Goethe Street in Buffalo's Lovejoy neighborhood! This beautifully renovated 3-bedroom, 1-bath home offers a bright and spacious layout with a finished attic providing flexible space for a bedroom, office, or recreation area. Major updates include a newer roof (2019) and a recently replaced hot water heater. The home also features a dedicated laundry area, a detached two-car garage

  Kazi Rashid Listing by Towne Housing Real Estate

  

  442 Goethe St, Buffalo, NY 14212
• 

  

  /26

  $154,900

  $10K PRICE DROP

  • 3 Beds
  • 1 Bath
  • 924 Sq Ft

  312 Cambridge Ave, Buffalo, NY 14215

  Welcome to 312 Cambridge Ave, a well-maintained single-family home offering 3 bedrooms and 1 full bathroom. This home features a remodeled kitchen and bathroom along with luxury vinyl flooring that adds a clean, updated feel throughout the living space. A full basement provides excellent storage or workspace options, while the full attic offers potential for future expansion, with space that

  Joshua McDougall Listing by HUNT Real Estate Corporation

  

  312 Cambridge Ave, Buffalo, NY 14215
• 

  /2

  $165,000

  • 1 Bed
  • 1 Bath
  • 692 Sq Ft

  4849 Harlem Rd, Buffalo, NY 14226

  Seller Inherited Family Property. Very old home in need of everything. .41 acre lot with 270 Ft depth allows for new build of any size. Property is tenant occupied for many years.

  Gino Albini Listing by MJ Peterson Real Estate Inc.

  

  4849 Harlem Rd, Buffalo, NY 14226
• 

  

  /47

  $179,000

  • 4 Beds
  • 2 Baths
  • 1,967 Sq Ft

  225 Longnecker St, Buffalo, NY 14206

  Stunning Renovated Gem in the Heart of Buffalo! Discover the perfect blend of modern luxury and spacious living at 225 Longnecker St. This meticulously renovated 1,967 sq. ft. single-family home offers an expansive layout designed for comfort and style. Key Highlights: Move-In Ready: Freshly painted interiors featuring, new luxurious vinyl flooring throughout the entire home. Abundant Space: 4

  MD Mamun Listing by Keller Williams Realty WNY

  

  225 Longnecker St, Buffalo, NY 14206
• 

  

  /50

  $499,000

  • 3 Beds
  • 4 Baths
  • 4,960 Sq Ft

  2740 Main St, Buffalo, NY 14214

  A distinctive three-story brick office building offering 4,960± SF of character-rich commercial space on a prominent corner at Main Street & Morris Avenue in Buffalo’s vibrant University Heights district. Built in 1945, the property retains exceptional period detail—rich oak paneling, hand-painted wall murals, a grand turned staircase, decorative fireplaces, and leaded-glass windows—while

  Timothy Boyle Listing by Timothy P Boyle

  

  2740 Main St, Buffalo, NY 14214
• 

  

  /32

  $199,900

  • 4 Beds
  • 1 Bath
  • 976 Sq Ft

  51 Crocker St, Buffalo, NY 14212

  Welcome to this beautifully updated and move-in ready home offering the perfect blend of comfort, charm, and modern convenience. This 3-bedroom, 1-bath home features spacious living areas and thoughtful updates throughout. Tax records reflect 4 bedrooms; however, the two upstairs bedrooms were combined to create a large primary bedroom with built-in dressers. The space can easily be converted

  Susan Mecca Listing by WNY Metro Roberts Realty

  

  51 Crocker St, Buffalo, NY 14212
• 

  

  /50

  $419,900

  $60K PRICE DROP

  • 6 Beds
  • 2 Baths
  • 3,952 Sq Ft

  47 Fargo Ave, Buffalo, NY 14201

  This exceptional two-family home sits on an expansive double lot, offering rare space and privacy in the Fargo Estate Historic District. Set on over one-third of an acre, the property features a spacious 3/3 layout, including an impressive two-story owner’s suite with generous room sizes, multiple balconies, a large kitchen ideal for entertaining, and a convenient second-floor laundry room.

  Damian O'meally Listing by Keller Williams Realty WNY

  

  47 Fargo Ave, Buffalo, NY 14201
• 

  

  /50

  $624,900

  • 5 Beds
  • 2.5 Baths
  • 2,665 Sq Ft

  40 Jewett Pkwy, Buffalo, NY 14214

  Located in the heart of Buffalo’s coveted Parkside neighborhood, and just steps away from Frank Lloyd Wright's Martin House, 40 Jewett Parkway blends timeless architectural character with many modern updates across three full floors of living space. A grand living room with fireplace opens through glass doors to a large front porch, creating the perfect setting for relaxing or entertaining. The

  Warren Teall Listing by HUNT Real Estate Corporation

  

  40 Jewett Pkwy, Buffalo, NY 14214
• 

  

  /29

  $199,999

  $25K PRICE DROP

  • 6 Beds
  • 4 Baths
  • 4,003 Sq Ft

  122 Austin St, Buffalo, NY 14207

  Excellent opportunity to own a well maintained 4 unit property offering strong income potential, flexible living options, and future upside for both investors and owner occupants alike. Whether you are looking to expand your portfolio or , begin your investment journey by taking advantage of a rare house hacking opportunity, this property checks all the boxes. Three vacant units have been

  Ryan Dill Listing by 716 Realty Group WNY LLC

  

  122 Austin St, Buffalo, NY 14207
• 

  /2

  $40,000

  • Land
  • 3,271 Sq Ft
  • $532,623 per Acre

  81 Montana Ave, Buffalo, NY 14211

  2 Adjacent residential lots. Included in the sale is 68 Colorado Ave SBL140200-101-390-0005-037-000 Lot size 29 x 107. MUST BE SOLD TOGETHER.

  Frank Pietrangeli Listing by Hooper Realty

  

  81 Montana Ave, Buffalo, NY 14211
• 

  

  /5

  $68,875

  $6K PRICE DROP

  • Land
  • 2,278 Sq Ft
  • $1,316,922 per Acre

  231 Oxford Ave, Buffalo, NY 14209

  Nestled in the Oxford Triangle and just 2 blocks from Delaware Avenue, you will love this lot and its proximity to cultural and recreational gems. 231 Oxford is within walking distance to Delaware Park, Gates Circle, Bidwell Parkway, and the Elmwood Village and steps from the historic Forest Lawn Cemetery and Canisius University. So much potential for those looking to build and investors alike.

  Melissa Conroy Listing by MJ Peterson Real Estate Inc.

  

  231 Oxford Ave, Buffalo, NY 14209
• 

  

  /46

  $169,000

  • 3 Beds
  • 1 Bath
  • 1,225 Sq Ft

  4 Regina Place, Buffalo, NY 14208

  Welcome to this charming, move-in-ready home nestled in the heart of the Hamlin Park community. This property features 3 bedrooms and 1 full bath, including a convenient first-floor bedroom and bathroom. The country kitchen offers ample cabinet storage and a pantry, along with a bonus office space ideal for remote work or study. Ideally located just minutes from Canisius University and Route 33,

  Ebony Thomas Listing by WNY Metro Roberts Realty

  

  4 Regina Place, Buffalo, NY 14208
• 

  

  /3

  $119,900

  • 3 Beds
  • 1 Bath
  • 1,401 Sq Ft

  930 Kensington Ave, Buffalo, NY 14215

  Welcome to 930 Kensington Ave, Buffalo, NY 14215—a solid 3-bedroom, 1-bath home offering a great opportunity for investors. This property features a functional layout with spacious living areas, making it easy to update and add value over time. Whether you're looking to expand your rental portfolio or move in and make it your own, this home has strong potential. One standout feature is the shared

  Fuzayel Ahmed Listing by HUNT Real Estate Corporation

  

  930 Kensington Ave, Buffalo, NY 14215
• 

  

  /30

  $249,900

  • 8 Beds
  • 2.5 Baths
  • 3,150 Sq Ft

  2473 Bailey Ave, Buffalo, NY 14215

  Location !! Location !! Location!! This prime property on Bailey Avenue is located in an N-3E zoning district, offering flexibility for a wide range of residential, commercial, and mixed-use development opportunities. The site includes a vacant lot and a convenient drive-through setup with capacity for approximately 10–15 vehicles—ideal for businesses seeking efficient, customer-friendly service.

  Mohammed Nowaz Listing by HUNT Real Estate Corporation

  

  2473 Bailey Ave, Buffalo, NY 14215
• 

  

  /12

  $115,000

  • 2 Beds
  • 1 Bath
  • 2,676 Sq Ft

  1269 Fillmore Ave, Buffalo, NY 14211

  Excellent mixed-use investment opportunity! This commercial/residential property offers the perfect combination of business potential and rental income. The first floor features a restaurant/ store front space with great visibility and strong street presence, ideal for an owner-operator or commercial tenant. The upper level includes a spacious residential apartment, providing an additional source

  Shirajum Monira Listing by Keller Williams Realty WNY

  

  1269 Fillmore Ave, Buffalo, NY 14211
• 

  

  /48

  $200,000

  $25K PRICE DROP

  • 8 Beds
  • 3.5 Baths
  • 3,416 Sq Ft

  2143 Niagara St, Buffalo, NY 14207

  Value-add investment opportunity on Niagara Street! This unique property features two residential buildings plus a detached garage, offering strong cash flow potential for investors or owner-occupants. The front single-family home is a spacious 5-bedroom, 1.5-bath colonial with a functional layout including a living room, dining room, and kitchen, plus a first-floor bedroom and four additional

  David Coric Listing by Keller Williams Realty Lancaster

  

  2143 Niagara St, Buffalo, NY 14207
• 

  

  /43

  $450,000

  • 3 Beds
  • 2.5 Baths
  • 1,991 Sq Ft

  58 Amherstdale Rd, Buffalo, NY 14226

  The kind of backyard that turns every summer into a staycation—and the updates are already done.Some homes impress on paper. This one changes the way you live. At 58 Amherstdale, mornings begin with sunlight streaming through the sunroom, afternoons are spent cooling off in the saltwater pool, and evenings naturally gather on the newly finished patio beneath the expansive awning while the

  Colleen Collier Listing by RE/MAX Plus

  

  58 Amherstdale Rd, Buffalo, NY 14226
• 

  /2

  $34,500

  • Land
  • 3,301 Sq Ft
  • $455,145 per Acre

  133 Thompson St, Buffalo, NY 14207

  Amazing Development Opportunity in Buffalo’s Historic Black Rock Neighborhood! Bring your architectural blueprints or investment plans to this prime residential vacant lot located at 133 Thompson Street. Situated on a quiet, established street on Buffalo's vibrant West Side, this rectangular, flat parcel offers the perfect canvas for a custom single-family home or a multi-family build. This lot

  Mary Valle Listing by Century 21 North East

  

  133 Thompson St, Buffalo, NY 14207
• 

  

  /27

  $205,000

  New Construction

  • 3 Beds
  • 1.5 Baths
  • 1,365 Sq Ft

  256 Hewitt Ave, Buffalo, NY 14215

  This newly constructed home features 3 bedrooms, 1.5 baths, and brand-new appliances—perfect for first-time buyers or those continuing their homeownership journey. Thoughtfully designed for modern living, the home offers comfort, efficiency, and a functional two-story layout. Located on a neighborhood street with convenient access to public transportation, this property provides both

  Yvonne Bailey Listing by City of Buffalo

  

  256 Hewitt Ave, Buffalo, NY 14215

Showing Results 121 - 160, Page 4 of 18