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Homes for Sale near Universal School

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  • /46

    $369,900

    • 4 Beds
    • 2 Baths
    • 2,084 Sq Ft

    23 Plymouth Ave, Buffalo, NY 14201

    Nestled in the heart of Allentown’s vibrant and artsy district, this charming 4-bedroom, 2 full bath home blends classic character with thoughtful modern updates, creating the perfect city retreat. The private back yard features brand new sod and the front of the home boasts a welcoming facade that reflects the artistic energy of the neighborhood. Step inside to find spacious, light-filled living

    Pieter Louw Listing by HUNT Real Estate Corporation

    23 Plymouth Ave, Buffalo, NY 14201
  • /20

    $130,000

    • 6 Beds
    • 2 Baths
    • 1,974 Sq Ft

    511 Winslow Ave, Buffalo, NY 14211

    This spacious duplex is ready for its next chapter! Featuring two units, each with 3 bedrooms and 1 full bath, this property is perfect for investors or owner-occupants looking to generate rental income. Highlights include: New cabinets and countertops for a fresh start in the kitchens, recently painted throughout, offering a clean and updated look, a mix of hardwood and carpet flooring for

    Cheyenne Castro-Santos Listing by Howard Hanna WNY Inc.

    511 Winslow Ave, Buffalo, NY 14211
  • /30

    $184,900

    • 5 Beds
    • 2 Baths
    • 1,879 Sq Ft

    48 Glenwood Ave, Buffalo, NY 14209

    Welcome to 48 Glenwood Ave, located in the heart of Buffalo's desirable 14209 area! This charming property offers Upper and Lower Units with 5 bedrooms and 2 full baths. Spacious rooms in this 1,879 SqFt living space, Lot size 6,336 SqFt. Positive curb appeal starts with the newer concrete sidewalk and driveway leading to the bright enclosed front porch. Much fresh paint. Both baths feature

    Muhammad Ahsan Listing by Howard Hanna WNY Inc.

    48 Glenwood Ave, Buffalo, NY 14209
  • /17

    $170,000

    • 4 Beds
    • 2 Baths
    • 2,135 Sq Ft

    35 Erskine Ave, Buffalo, NY 14215

    Great investment opportunity in desired Kensington neighborhood. This double sits on a quite tree lined street close to highway and public transportation. Both units have 2 bedrooms with formal dining rooms, large living areas and hardwood flooring. The upper offers a balcony to relax on. Both units have long term, mo./mo. tenants that pay on time. The house sports a nice sized yard and 2 car

    Lynne Logan Listing by Howard Hanna WNY Inc.

    35 Erskine Ave, Buffalo, NY 14215
  • /17

    $199,900

    • 5 Beds
    • 2 Baths
    • 1,766 Sq Ft

    31 Benzinger St, Buffalo, NY 14206

    Excellent Investment opportunity! This vacant, fully updated two-unit home is turnkey and ready to generate income. Both units have been modernized throughout and include new appliances. The lower unit features three bedrooms and one full bath, while the upper offers two bedroom,one full bath and a walk-up attic access for added storage. The partially fenced backyard provides privacy and minimal

    Heather Mcguire Listing by Realty ONE Group Empower

    31 Benzinger St, Buffalo, NY 14206
  • /37

    $615,000

    • 4 Beds
    • 2.5 Baths
    • 2,674 Sq Ft

    171 Bryant St, Buffalo, NY 14222

    Looking to own a rare piece of Buffalo history? This stately Second Empire Victorian home is a rare gem showcasing stunning 11 foot ceilings, copious amounts of natural lighting, original hardwood flooring, and intricate details of its former owners. A large living room with gas fireplace (NRTC) and floor to ceiling windows gives you access via French doors to a covered porch to enjoy your

    Heather Baker Listing by Signature Real Estate Services

    171 Bryant St, Buffalo, NY 14222
  • /36

    $109,900

    • 3 Beds
    • 1 Bath
    • 1,058 Sq Ft

    32 Schuele Ave, Buffalo, NY 14215

    Welcome to this 3-bedroom, 1-bathroom bungalow in the City of Buffalo. Step inside to find hardwood floors and natural woodwork flowing through the spacious living and dining rooms. Large eat-in kitchen provides plenty of room for meal prep and additional den/office space offers flexibility for a home office or potential 4th bedroom. Enjoy outdoor living on the covered front porch or back deck,

    Cassandra Whitney Listing by MJ Peterson Real Estate Inc.

    32 Schuele Ave, Buffalo, NY 14215
  • /32

    $99,900

    • 3 Beds
    • 1 Bath
    • 1,160 Sq Ft

    52 Elmer Ave, Buffalo, NY 14215

    Vacant, ready-to-move-in single-family home with three bedrooms, one full bathroom, a full basement, a wide driveway, and a decent backyard featuring a deck for outdoor activities.Offers will be entertained as they come in.The property is being sold "as is", seller will do no repairs due to buyer's home or bank inspection.

    Mohammad Rahman Listing by Keller Williams Realty WNY

    52 Elmer Ave, Buffalo, NY 14215
  • /49

    $995,000

    • 4 Beds
    • 5 Baths
    • 3,805 Sq Ft

    28 Penhurst Park, Buffalo, NY 14222

    Beautiful Penhurst Park! With three fully finished levels, hardwood floors, beautiful woodwork, and a gracious floorplan, this home is a true city gem. Inviting foyer leads to bright, spacious living room with wood burning fireplace and large, beautiful windows. Formal dining room offers vintage chandelier, and is perfect for entertaining. Expansive eat-in kitchen, Private study with built in

    Christopher Lavey Listing by MJ Peterson Real Estate Inc.

    28 Penhurst Park, Buffalo, NY 14222
  • /31

    $309,999

    • 4 Beds
    • 2 Baths
    • 1,362 Sq Ft

    367 Huntington Ave, Buffalo, NY 14214

    Welcome to 367 Huntington, an historic row house that has been stunningly updated from top to bottom! This North buffalo gem offers 1,362 sqft with 4 bedrooms and 2 full bathrooms. In 2025 the exterior received a major facelift with new roofs and siding with a transferable warranty. Inside enjoy a mix of traditional character and modern convenience with all-new plumbing, a hot water tank,

    Brandon Kmiotek Listing by HUNT Real Estate Corporation

    367 Huntington Ave, Buffalo, NY 14214
  • /50

    $270,000

    • 6 Beds
    • 2 Baths
    • 2,264 Sq Ft

    392 Fargo Ave Unit 2, Buffalo, NY 14213

    Discover this beautifully renovated 2-unit property in the heart of Buffalo’s vibrant West Side. Each apartment offers 3 bedrooms and 1 bathroom, with super tall ceilings, completely redone from top to bottom with no detail overlooked. Inside you’ll find brand-new kitchens with stainless steel appliances, new bathrooms, and fully updated systems including new wiring, new plumbing, new insulation,

    Charles Glander Listing by Avant Realty LLC

    392 Fargo Ave Unit 2, Buffalo, NY 14213
  • /21

    $230,000

    • 4 Beds
    • 1 Bath
    • 1,679 Sq Ft

    55 Remoleno St, Buffalo, NY 14220

    Well-maintained home in a convenient Buffalo location. This property features 3 bedrooms and 1 bathroom, a bright living area, as well as a functional kitchen. The property includes a private backyard and is close to schools, shopping, and local amenities. A practical and convenient option for buyers seeking a residential property in the area.

    Crystal Moye Listing by HUNT Real Estate Corporation

    55 Remoleno St, Buffalo, NY 14220
  • /47

    $1,895,000

    • 22 Beds
    • 25,600 Sq Ft

    1941 Hertel Ave, Buffalo, NY 14214

    1941 & 1945 Hertel Avenue are two, all brick, 3 story. identical, 12-unit apartment buildings, totaling 24 units in the heart of North Buffalo. The buildings both have separate utilities, full basements, and a parking lot for all 24 units. They are comprised of 22 1-bedroom units and 2 studio apartments. There is 1 studio apartment on the first floor of each building and 1 laundry room on the

    Carmelo Parlato Listing by Gurney Becker & Bourne

    1941 Hertel Ave, Buffalo, NY 14214
  • /50

    $1,850,000

    • 14 Beds
    • 18,990 Sq Ft

    2473 Elmwood Ave, Kenmore, NY 14217

    2473 Elmwood Avenue is a 14-unit apartment complex located in the village of Kenmore at the corner of Elmwood and Westgate. Comprised of 2 brick buildings, the front building is made up of ten 2-bedroom units and the rear building has four 1-bedroom units and eight private garages. The front building has updated windows; the apartments were all updated in 2016/2017 and a new roof in 2018. The

    Carmelo Parlato Listing by Gurney Becker & Bourne

    2473 Elmwood Ave, Kenmore, NY 14217
  • /5

    $74,999

    • 3 Beds
    • 1 Bath
    • 1,184 Sq Ft

    17 California St, Buffalo, NY 14213

    Charming Upper West Side Gem – Finish It Your Way! Welcome to 17 California Street, a beautiful and charming home nestled in Buffalo’s desirable Upper West Side neighborhood. This house is bursting with potential and is perfect for an investor or a buyer looking to put their own personalized touches on a promising project. The major work is already underway—this home just needs the final updates

    Moghees Mian Listing by eXp Realty

    17 California St, Buffalo, NY 14213
  • /27

    $179,900

    • 6 Beds
    • 2 Baths
    • 2,346 Sq Ft

    26 Pleasant Place, Buffalo, NY 14208

    Welcome to this charming 2-unit home in the heart of Buffalo, NY, where historic craftsmanship meets modern convenience. Both units offer a spacious and thoughtfully designed layout, featuring three comfortable bedrooms and a well-appointed bathroom. The property proudly showcases its original woodwork, with exquisite details that reflect the craftsmanship of a bygone era. Each unit benefits from

    Natalie Dellavalle Listing by Howard Hanna WNY Inc.

    26 Pleasant Place, Buffalo, NY 14208
  • /48

    $345,000

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

    442 Baynes St, Buffalo, NY 14213

    Investor or Owner-Occupant Opportunity Near Elmwood Village! Don’t miss this beautifully maintained 2-family home at 442 Baynes St, Buffalo — just steps from the Elmwood Strip and a short walk to Buffalo State College. Each spacious unit offers 3 bedrooms, separate utilities/meters, and updated systems, making this a turn-key investment or ideal owner-occupant opportunity.Recent updates

    Ryan Neidrauer Listing by 716 Realty Group WNY LLC

    442 Baynes St, Buffalo, NY 14213
  • /24

    $304,900

    • 2 Beds
    • 2 Baths
    • 1,185 Sq Ft

    2917 Main St Unit 320, Buffalo, NY 14214

    Experience the ease of condo living in the heart of North Buffalo’s established residential neighborhoods.Located at 2917 Main Street, just minutes from vibrant Hertel Avenue, this well-maintained 87-unit complex offers the perfect blend of style, comfort, and convenience. This is a beautiful corner unit featuring two spacious bedrooms with generous closet space and a modern full bathroom.

    Steve Persico Listing by 716 Realty Group WNY LLC

    2917 Main St Unit 320, Buffalo, NY 14214
  • /4

    $134,900

    • 3 Beds
    • 1 Bath
    • 1,283 Sq Ft

    315 Cornwall Ave, Buffalo, NY 14215

    Welcome to this well-sized single-family home offering nearly 1,300 sq. ft. of living space, featuring 3 bedrooms and 1 full bath. The home boasts a functional layout with generous room sizes, making it ideal for comfortable living.Located on Cornwall Avenue in a convenient Buffalo neighborhood, you’ll be close to schools, shopping, parks, and public transportation. With its great

    Earl Altheide Listing by Irish Jones Realty

    315 Cornwall Ave, Buffalo, NY 14215
  • /29

    $144,900

    • 4 Beds
    • 2 Baths
    • 1,085 Sq Ft

    129 Roma Ave, Buffalo, NY 14215

    Check out this well-maintained multi-family property — a perfect addition to your investment portfolio. Featuring a classic upper-lower layout, this home offers a total of 3 bedrooms and 2 bathrooms. Both units are currently tenant-occupied, providing immediate rental income for a seamless transition to the next owner.Located in a convenient Buffalo neighborhood, this property is close to

    Earl Altheide Listing by Irish Jones Realty

    129 Roma Ave, Buffalo, NY 14215
  • /10

    $144,900

    • 4 Beds
    • 2 Baths
    • 1,498 Sq Ft

    112 Hazelwood Ave, Buffalo, NY 14215

    Discover this well-maintained multi-family property — perfect for adding to your investment portfolio or an ideal choice for first-time homebuyers looking to offset their mortgage with rental income. This classic upper-lower home offers nearly 1,500 sq. ft. of living space with a total of 4 bedrooms and 2 bathrooms. The lower unit is vacant and move-in ready, while the upper unit is

    Earl Altheide Listing by Irish Jones Realty

    112 Hazelwood Ave, Buffalo, NY 14215
  • /44

    $249,900

    • 6 Beds
    • 2 Baths
    • 2,416 Sq Ft

    239 Florida St, Buffalo, NY 14208

    Welcome to 239 Florida Street, a well-maintained and beautifully updated multi-family home located in the heart of Buffalo. This property offers an excellent opportunity for both investors and owner-occupants, with each spacious unit featuring 3 generous bedrooms, a comfortable living room, a formal dining room, a functional kitchen, and a fully upgraded bathroom. Thoughtful updates throughout

    Md Nazmul Hussain Listing by HUNT Real Estate Corporation

    239 Florida St, Buffalo, NY 14208
  • /50

    $899,000

    • 8 Beds
    • 5.5 Baths
    • 7,184 Sq Ft

    280 Pine Ridge Rd, Cheektowaga, NY 14225

    Who wants to live in a mansion that was part of the development of Cheektowaga & helped launch Grover Cleveland's presidential career? 7000 SF masterpiece was built w/ exquisite craftmanship/style/sophistication. As you enter you will notice a huge foyer w/coffer ceiling/natural woodwork/cozy reception area w/FP. The elegant woodwork throughout the home showcases the skilled carpentry of yester

    Kimberly Nemeth Listing by Howard Hanna WNY Inc

    280 Pine Ridge Rd, Cheektowaga, NY 14225
  • /3

    $154,900

    • 4 Beds
    • 1 Bath
    • 1,286 Sq Ft

    121 Hagen St, Buffalo, NY 14211

    Welcome to 121 Hagen Street! This single-family home offers 1,286 sq. ft. of living space with 4 bedrooms and 1 full bath, providing plenty of room for comfortable living. The functional layout includes generously sized bedrooms and a spacious main living area, making it a great choice for families or anyone looking for extra space. Located in a convenient Buffalo neighborhood, this property is

    Earl Altheide Listing by Irish Jones Realty

    121 Hagen St, Buffalo, NY 14211
  • /35

    $219,900

    • 3 Beds
    • 1 Bath
    • 1,201 Sq Ft

    183 Claude Dr, Buffalo, NY 14206

    Pampered inside and out! This spacious MAINTENANCE FREE 3 BR, 1 Bath Cape style home offers move in condition. Custom blinds, updated flooring, and oversized 2 car garage -ONE SIDE FOR CAR - THE OTHER SIDE FOR STORAGE. Kitchen stove and refrigerator and basement dryer all included in as is condition on the day of closing. 2nd Floor SPACIOUS 3rd Bedroom. Full basement with laundry - POOL

    Peggy Reynolds Listing by Howard Hanna WNY Inc.

    183 Claude Dr, Buffalo, NY 14206
  • /22

    $139,000

    • 5 Beds
    • 1 Bath
    • 1,181 Sq Ft

    28 Pooley Place, Buffalo, NY 14213

    Welcome to this beautifully remodeled 5-bedroom, 1-bath home in the heart of Buffalo. Step inside to find fresh updates throughout, including brand new flooring, modern finishes, and a bright, open layout. The updated kitchen is a standout, featuring sleek white cabinetry, stylish backsplash, and brand new stainless steel appliances that are included with the sale. The bathroom has been

    Dana Mislin-Langa Listing by 716 Realty Group WNY LLC

    28 Pooley Place, Buffalo, NY 14213
  • /29

    $209,999

    • 2 Beds
    • 1 Bath
    • 983 Sq Ft

    493 Harrison Ave, Buffalo, NY 14223

    Charming & Updated Home in the Town of Tonawanda! Welcome to 493 Harrison Ave, a beautifully maintained 2-bedroom, 1-bath home with an extra bonus room perfect for a home office, playroom, or cozy guest space. This move-in-ready gem offers modern updates, a prime location, and plenty of charm! ** Features You’ll Love: -Updated Kitchen & Flooring – Fresh, modern finishes ready for your personal

    Brian Hillery Listing by HUNT Real Estate Corporation

    493 Harrison Ave, Buffalo, NY 14223
  • /4

    $45,000

    • Land
    • 0.31 Acre
    • $145,161 per Acre

    107 David Ave, Buffalo, NY 14225

    Welcome to 107 David Ave, Cheektowaga! This spacious vacant lot measures 100 ft of frontage by 135 ft deep, offering plenty of room to design and build the home or investment property you’ve always envisioned. The property is surrounded by everyday conveniences—schools, restaurants, shopping centers, and parks are just minutes away. With quick access to downtown Buffalo and only a short drive to

    Walter Mysiak Listing by WNY Metro Roberts Realty

    107 David Ave, Buffalo, NY 14225
  • /2

    $14,900

    • Land
    • 0.07 Acre
    • $216,255 per Acre

    135 Kosciuszko St, Buffalo, NY 14212

    Welcome to 135 Kosciuszko Street, Buffalo NY. Residential building lot, Seller will not pay for any survey or abstract, this is at the buyers cost. Located in the N-3R zoning district, it offers a wide range of development opportunities. This offers a wide range of development opportunities. Perfect for single family home, or multi-family housing, making this lot an excellent choice for

    Christine Sass Listing by Berkshire Hathaway Homeservices Zambito Realtors

    135 Kosciuszko St, Buffalo, NY 14212
  • /39

    $139,000

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

    145 Kilhoffer St, Buffalo, NY 14211

    Welcome to this beautifully renovated single family house, -perfect for growing families,multi-generational living,or simply looking for extra space, completely ready for you to move in—just bring your furniture! Charming 5 spacious bedrooms and 1.5 full bathroom home nestled in one of desirable neighborhood. The Main level features has fully renovated kitchen and plenty of cabinate space.wall

    Shirajum Monira Listing by Keller Williams Realty WNY

    145 Kilhoffer St, Buffalo, NY 14211
  • /37

    $949,000

    • 3 Beds
    • 3.5 Baths
    • 2,698 Sq Ft

    258 Lakefront Blvd, Buffalo, NY 14202

    Allow us to introduce the West End Townhomes in Buffalo's vibrant downtown waterfront community. Prepare to be wowed by the custom finishes that offer what today's buyer is looking for in comfort, space, and sophistication. These 20 newly built 3 story townhomes feature 3 bedrooms, 3.5 bathrooms, and attached 2-car garage. They also include high ceilings, hrdwd flrs, sun-drenched views from every

    John Heffron Listing by Gurney Becker & Bourne

    258 Lakefront Blvd, Buffalo, NY 14202
  • /39

    $375,000

    • 4 Beds
    • 1.5 Baths
    • 2,356 Sq Ft

    90 Maplewood Ave, Buffalo, NY 14224

    VR PRICING. Seller will entertain offer's $375,000.00 to $400,000.00 and above. Step into this stunning home where nautical elegance meets artisan craftsmanship in a truly one-of-a-kind retreat. Every corner of this residence reflects a deep appreciation for life by the water, with carefully curated details that set it apart.Throughout the home, unique, one-of-a-kind wall paintings evoke the

    John Schmelzinger Listing by Howard Hanna WNY Inc.

    90 Maplewood Ave, Buffalo, NY 14224
  • /28

    $179,900

    • 3 Beds
    • 1 Bath
    • 1,610 Sq Ft

    2623 Seneca St, Buffalo, NY 14224

    Welcome to this charming 3-bedroom, 1-bathroom home in West Seneca! This delightful 1,610 sq ft residence is ideally located close to many conveniences, including Cazenovia Park & Golf Course. Step inside and be greeted by the warmth of gleaming woodwork as you enter the bright, spacious 20x11 living room. This room features a large leaded glass window and flows seamlessly into the 12x11 formal

    Timothy Maciejewski Listing by Keller Williams Realty Lancaster

    2623 Seneca St, Buffalo, NY 14224
  • /47

    $375,000

    • 4 Beds
    • 2 Baths
    • 1,922 Sq Ft

    286 Carolina St, Buffalo, NY 14201

    The Key To Your Dream Investment Property is here at 286 Carolina Street in Downtown Buffalo ! This 2 Unit Multi Family home has been completely remodeled inside & out. Location is appealing and close to all your shopping & dining needs along w/thruway access. Enjoy the nearby attractions that offer all your lifestyle needs both day & night such as; the Allentown Art district , Elmwood Ave,

    John Santora III Listing by Keller Williams Realty WNY

    286 Carolina St, Buffalo, NY 14201
  • /30

    $129,900

    • 4 Beds
    • 2 Baths
    • 1,210 Sq Ft

    104 Pershing Ave, Buffalo, NY 14211

    Welcome to 104 Pershing Ave, Buffalo, NY 14211 – a spacious single-family home offering comfort and functionality in a convenient location. The lower level features 2 bedrooms, a bright living room, formal dining room, a well-sized kitchen, a full bathroom, and the added benefit of first-floor laundry for everyday ease. Upstairs you’ll find 2 additional bedrooms along with a half bathroom,

    Md Nazmul Hussain Listing by HUNT Real Estate Corporation

    104 Pershing Ave, Buffalo, NY 14211
  • /33

    $329,000

    • 2 Beds
    • 1.5 Baths
    • 1,432 Sq Ft

    125 Edward St Unit 1J, Buffalo, NY 14201

    Rare find in this area! End-unit condo/townhouse with its own private entrance and exceptional architectural character! Step inside to soaring 11’ ceilings, dramatic palladium windows, and an abundance of natural light. The living room features exposed brick walls and a wood-burning fireplace, creating the perfect blend of style. A contemporary updated kitchen with granite countertops. A tiled

    Dianne Michlinski Listing by HUNT Real Estate Corporation

    125 Edward St Unit 1J, Buffalo, NY 14201
  • /42

    $450,000

    • 4 Beds
    • 2.5 Baths
    • 1,979 Sq Ft

    42 Lancaster Ave, Buffalo, NY 14222

    VRP pricing: owner will consider offers between $450,000 to $495,000 or higher.This exceptional 4-bedrm, 2.5-bath home offers over 2,000 sqft of beautifully finished living space across 3 floors. The 1st floor features newly remodeled custom kitchen w granite countertops, functional island, ceiling-height cabinets, built-in microwave drawer, & durable Blanco Silgranit composite sink. A bright &

    Joseph Trifilo Listing by HUNT Real Estate Corporation

    42 Lancaster Ave, Buffalo, NY 14222
  • /41

    $895,000

    • 5 Beds
    • 5 Baths
    • 5,088 Sq Ft

    543 Franklin St, Buffalo, NY 14202

    Experience the best of historic Allentown living in this one-of-a-kind 1852 residence at 543 Franklin Street. Fully restored with modern updates, this versatile property blends timeless charm with contemporary comfort. The main home boasts hardwood floors, a remodeled kitchen with island, spacious dining and living areas, a front sitting room, bar room, office, and a primary suite with two

    Lisa Felgemacher Listing by HUNT Real Estate Corporation

    543 Franklin St, Buffalo, NY 14202
  • /48

    $259,000

    • 6 Beds
    • 2 Baths
    • 2,487 Sq Ft

    56 Eastwood Place, Buffalo, NY 14208

    Welcome to 56 Eastwood! A beautiful, move in ready, investment property right across the street from Canisius University! This excellent 3/3 bedroom double has expansive rooms and tall ceilings, featuring eat in kitchens, formal dining rooms and large living rooms with fireplaces. Hardwood floors and gleaming natural woodwork throughout showcasing its Buffalo character and charm. Newer furnaces

    Kyle Zitnik Listing by Keller Williams Realty WNY

    56 Eastwood Place, Buffalo, NY 14208
  • /49

    $190,000

    • 6 Beds
    • 2 Baths
    • 1,584 Sq Ft

    462 Kensington Ave, Buffalo, NY 14214

    Welcome to this beautifully renovated and charming multi-family house located on 462 Kensington Ave! What a loocation! Centrally located in Buffalo! walking distance to Elementary school, High school, blocks away from ECMC, Sisters Hospital grocery stores, restaurants, public transportation and more! This recently updated, move-in ready two family home offers 6 bedrooms and 2 bathroom, the

    Andrew Scott Listing by Scott Realty Group LLC

    462 Kensington Ave, Buffalo, NY 14214

Showing Results 441 - 480, Page 12 of 18

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