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Columbia County NY Homes for Sale

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  • /22

    $1,749,000

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

    251 Viewmont Rd, Germantown, NY 12526

    In a bucolic setting in Germantown, this stunning modern farmhouse sits amongst rolling hills on a quiet country road. The five acre parcel has a beautiful pond and is made up of open green fields and forest, and there is a barn with a new standing seam metal roof, water and sewer. The 3BD 3BA main house was built in 2020 and looks and feels brand new. You'll find vaulted ceilings and white oak

    Annabel Taylor Four Seasons Sotheby's Int.

    251 Viewmont Rd, Germantown, NY 12526
  • /36

    $395,000

    $50K PRICE DROP
    • 3 Beds
    • 1 Bath
    • 1,008 Sq Ft

    127 Queechy Shores, Canaan, NY 12029

    Welcome to Queechy Lake Cottage, a vintage Hudson Valley retreat in a private community in Northern Columbia County. Built in the 1930s and renovated in 2017/18, this charming three bedroom cottage offers indoor-outdoor living perfect for a family with a large deck, screened-in porch, fire pit, and rare beach lake access. The open living area has vaulted ceilings and the large, lovely screened

    Anthony D'Argenzio Houlihan Lawrence

    127 Queechy Shores, Canaan, NY 12029
  • /17

    $324,000

    • Land
    • 5.34 Acres
    • $60,674 per Acre

    Lot 3 County Route 6, Clermont, NY 12526

    Set against a backdrop of stunning panoramic views, this parcel offers a private drive and a peaceful, secluded atmosphere. With all BOH approvals and perc tests completed, this lot is ready for your vision, whether for a custom home or a smart investment. It offers a perfect blend of privacy, natural beauty, and convenience in the highly desirable Hudson Valley. Future driveway already roughed

    Brock Anderson Four Seasons Sotheby's Int.

    Lot 3 County Route 6, Clermont, NY 12526
  • /47

    $749,000

    $46K PRICE DROP
    • 3 Beds
    • 2 Baths
    • 2,357 Sq Ft

    8 Chapel Dr, Valatie, NY 12184

    Formally refered to as ''The Lady of the Lake,'' 8 Chapel Drive is a historical church reimagined as a design-forward residence. Sitting on just under an acre overlooking Kinderhook Lake, this home has been renovated from top to bottom, while preserving the full scale and drama of its original sanctuary. After passing through the vestibule, the main living space opens to expansive, 20+ foot

    Kelcey Otten Compass Greater NY, LLC d/b/a

    8 Chapel Dr, Valatie, NY 12184
  • /7

    $125,000

    $35K PRICE DROP
    • Land
    • 4.35 Acres
    • $28,736 per Acre

    Lot 34 Vista Ln, Copake, NY 12516

    Wooded 4+ acre building lot in Copake NY. Build your dream home on this spacious, wooded, 4+ acre lot in scenic Copake. Conveniently located just minutes from Copake Lake, Ancram, the Taconic Parkway, and a variety of outdoor and recreational activities. Enjoy peaceful country living with easy access to shopping, dining, and local attractions. A perfect blend of seclusion and convenience. If you

    Allen Olmsted Listing by Canaan Realty

    Lot 34 Vista Ln, Copake, NY 12516
  • /21

    $90,000

    $5K PRICE DROP
    • 3 Beds
    • 2 Baths

    71 County Route 28b Unit 11, Valatie, NY 12184

    LIKE-NEW HOME! 2025 Champion 3Bed/2Bath Manufactured home in Kinderhook / Valatie NY.Want something low-maintenance and modern? Then look no further! Exterior Features: NO neighbors behind you! 2 ways of entry/exit, Vinyl siding, Asphalt Shingled roof, home is on a Cement Pad, Vinyl Skirting. Interior Features: Modern Rolled Vinyl flooring(NO Carpets!), Double-paned Tilt-out windows, Stainless

    Adam Shelmerdine IRE INVESTMENTS

    71 County Route 28b Unit 11, Valatie, NY 12184
  • /5

    $86,000

    $3K PRICE DROP
    • Land
    • 5 Acres
    • $17,200 per Acre

    155 Shaver, Canaan, NY 12029

    Ideal location for commercial or residential construction or combination of both. Site is close to junction of Routes 22 and 295 and Queechy Lake. Access to the Berkshires (Richmond & Tanglewood) and New Lebanon and Rensselaer County & Jiminy Peak. Lots of gravel on property. Zoned commercial (C-2) Close to Massachusetts & Berkshires.

    David Birch Barns & Farms Realty, LLC

    155 Shaver, Canaan, NY 12029
  • /55

    $1,525,000

    • 4 Beds
    • 4.5 Baths
    • 3,666 Sq Ft

    83 Schmeichel Rd, Hillsdale, NY 12529

    Custom contemporary home built in 1996 with thoughtful gathering spaces. Main floor has a vaulted ceiling living room with fireplace, open to dining and the eat-in-kitchen. Down a hall to the south end there is the primary suite, a powder room, laundry, the den with a vaulted ceiling and a woodstove and access to the garage. On the north side of the main living room is a large entry foyer, a

    Jennifer Harvey Compass Greater NY LLC

    83 Schmeichel Rd, Hillsdale, NY 12529
  • /55

    $619,000

    $26K PRICE DROP
    • 5 Beds
    • 3.5 Baths
    • 2,948 Sq Ft

    182 Four Corners Rd, Ancramdale, NY 12503

    This special newly listed property has a long list of features unrivaled by any other for sale in its class. To start, the main home features four bedrooms, two full baths, a living room with propane fireplace, dining room with hardwood floors and kitchen with updated appliances.... in addition, a new roof and ALL new windows. The walkout basement level features a fully updated and equipped

    Margaret Bower Avenia Columbia County RE Specialist

    182 Four Corners Rd, Ancramdale, NY 12503
  • /32

    $2,675,000

    • 4 Beds
    • 4 Baths
    • 2,600 Sq Ft

    336 Main St, Germantown, NY 12526

    All of the charm of an old farmhouse with none of the headaches. This c2005 build has sweeping views of the Catskill Mountains and loads of charm. Down a long, tree lined driveway, you're just two minutes from the historic hamlet of Germantown but you feel like you're in a world of your own. Peaceful, private and quiet, 336 Main Street truly offers the best of both worlds. Rocking chairs line the

    Annabel Taylor Four Seasons Sotheby's Int.

    336 Main St, Germantown, NY 12526
  • /30

    $1,195,000

    $805K PRICE DROP
    • 2 Beds
    • 2 Baths
    • 1,419 Sq Ft

    75 Upper Hollow Rd, Hillsdale, NY 12529

    A rare 193-acre estate in Austerlitz/Hillsdale, very close to the Berkshire border. The charming 3-bed cottage overlooks a pristine pond with a bordering creek. The wooded land has clearly marked and maintained hiking trails. Recently renovated, the cottage features an updated bathroom and an expanded living room, blending modern comfort with rustic charm. Geothermal heating and air conditioning

    Janet Kain The Kinderhook Group, Inc.

    75 Upper Hollow Rd, Hillsdale, NY 12529
  • /20

    $450,000

    • 3 Beds
    • 1 Bath
    • 2,070 Sq Ft

    157 Falls Rd, Hudson, NY 12534

    Mid Century one level on a gorgeous parcel outside Hudson. Quiet road with 13+ usable acres. Pond, stream and trails. A house that was loved by the same family since it was built. Greeted by a large screened porch overlooking the heart shaped pond. Eat in kitchen open to living room. Three bedrooms and one bath. Finished lower level with pellet stove. Oversized two car garage. Separate shed. The

    Tracy Tassinari Gabel Real Estate

    157 Falls Rd, Hudson, NY 12534
  • /43

    $725,000

    • 4 Beds
    • 4 Baths
    • 3,244 Sq Ft

    578 Fischer Rd, Kinderhook, NY 12106

    Tucked away on a quiet country road in the desirable Town of Kinderhook, this extraordinary turnkey retreat offers the perfect blend of privacy, recreation, and investment potential. Set on just over 12 acres spanning two separate parcels, this fully furnished 4-bedroom, 2 full and 2 half bath property is being sold completely equipped--simply bring your toothbrush and start enjoying the Hudson

    Michael Castellano Gilcrest Properties

    578 Fischer Rd, Kinderhook, NY 12106
  • /34

    $2,750,000

    • 3 Beds
    • 1 Bath
    • 1,400 Sq Ft

    3591 U S Highway 9, Hudson, NY 12534

    Discover a remarkable development opportunity near Hudson, NY a sprawling 145-acre property that combines the tranquility of open farmland with a unique commercial advantage. Positioned along the well-traveled US Route 9, this property offers approximately 20 acres of commercial frontage, making it an ideal location for a range of developments. The property's prime location brings the charm and

    Kevin Mullaney eRealty Advisors, Inc.

    3591 U S Highway 9, Hudson, NY 12534
  • /50

    $7,995,000

    $4M PRICE DROP
    • 8 Beds
    • 10 Baths
    • 8,000 Sq Ft

    47 White Bridge Rd, Old Chatham, NY 12136

    Where History Breathes and Beauty Dwells: WHITE BRIDGE FARM c1775 Welcome to White Bridge Farm, an exquisite historic18th century estate restored and designed honoring and preserving the history with imagination and perfection. White Bridge Farm will take your breath away at every turn from the original restored iron main gate to magical stonewalls, pathways and gardens landscaped to intrigue all

    Nancy Felcetto Brown Harris Stevens HV LLC

    47 White Bridge Rd, Old Chatham, NY 12136
  • /59

    $1,900,000

    $50K PRICE DROP
    • 5 Beds
    • 5 Baths
    • 6,049 Sq Ft

    747 Columbia St, Hudson, NY 12534

    These are two adjacent buildings on two parcels. One is the 3-story building that currently houses Li'l Deb's Oasis (747 Columbia Street).There is one fully renovated Studio apt on the second floor rear. The second floor above the restaurant currently serves as a private dining room and there is also a fantastic third floor attic space. Could make a deluxe duplex apartment. The second building is

    Victor Mendolia The Kinderhook Group, Inc.

    747 Columbia St, Hudson, NY 12534
  • /27

    $750,000

    • 4 Beds
    • 2.5 Baths
    • 3,108 Sq Ft

    82 Maple Hill Ln, Pine Plains, NY 12567

    Light-filled 2006 home blends privacy with effortless convenience. An open-air front porch and a generous backyard frame inviting indoor/outdoor living. Inside, the living room centers on a charming stove, while the chef’s kitchen echoes the home’s airy feel with an island and open plan ideal for entertaining. The first-floor primary suite is a private retreat with a freestanding tub and tiled

    Liza Reiss Elyse Harney Real Estate

    82 Maple Hill Ln, Pine Plains, NY 12567
  • /28

    $625,000

    • 4 Beds
    • 2.5 Baths
    • 2,228 Sq Ft

    311 Middle Rd, Hudson, NY 12534

    Classic Colonial style, generous living space and a setting just outside Hudson define this four-bedroom, three-bath residence. Built in 2005 and sited on just under an acre, the home is set nicely off the road with a welcoming front porch, rear patio, and attached two-car garage. The interior offers a traditional layout with multiple gathering spaces, including a formal dining room, family room

    Ryan Wexler Corcoran Country Living

    311 Middle Rd, Hudson, NY 12534
  • /32

    $995,000

    • 4 Beds
    • 3 Baths
    • 3,692 Sq Ft

    11 S South 6th St, Hudson, NY 12534

    Sky High Bliss A rare opportunity to own a mixed-use gem just half a block from Warren Street. The light-filled retail space below offers a warm, inviting atmosphere with a charming, approachable feel, thoughtfully designed for convenience and flow, ideal for display and customer engagement. Above, an outstanding, freshly painted duplex unfolds with natural light and effortless charm, featuring a

    Miles Vidor Nicole Vidor Real Estate Inc.

    11 S South 6th St, Hudson, NY 12534
  • /5

    $225,000

    • Land
    • 2.39 Acres
    • $94,142 per Acre

    8 Stonegate Off Birch Hill Rd, Copake, NY 12521

    Prime vacant land at Stonegate, a tranquil exclusive subdivision at Copake lake to build your dream home. Lot 8 is BOHA approved and offers serene natural surroundings with utilities available.Perfect for Lake enthusiasts and all that nature has to offer.Enjoy convenient access to amenities and nearby attractions. Plus, Copake Lake access with an HOA private community dock and available boat

    Maria DiSalvo Coldwell Banker Prime

    8 Stonegate Off Birch Hill Rd, Copake, NY 12521
  • /13

    $1,080,000

    $5K PRICE INCREASE
    • Land
    • 72 Acres
    • $15,000 per Acre

    0 Yonderview Rd Unit ONEH6300032, Hillsdale, NY 12529

    Picturesque farmland located close to the Village of Hillsdale, only 1.8 to Catamount Ski Area, and 9.5 miles to Great Barrington. Extensive road frontage, totaling 3979 feet on Yonderview Road and Route 23. Barn complex. This parcel is zoned RU in the Town of Hillsdale. Property currently enjoys an agricultural exemption. Survey available. Inspect Now!

    Robert D Ferris R. Ferris Real Estate, LLC

    0 Yonderview Rd Unit ONEH6300032, Hillsdale, NY 12529
  • /50

    $785,000

    • 4 Beds
    • 2 Baths
    • 3,448 Sq Ft

    168 County Route 26a, Stuyvesant, NY 12173

    Welcome to Wendover House, an 1862 brick Second Empire estate set on 8+ pastoral acres in the historic river town of Stuyvesant, a short stroll to the Hudson River. Built at the height of Hudson River trade, when Stuyvesant Landing operated as a major port and brick Second Empire residences were the mark of prosperity, Wendover House is defined by its original mansard roof and handsome brick

    Anthony D'Argenzio Houlihan Lawrence, Inc

    168 County Route 26a, Stuyvesant, NY 12173
  • /28

    $4,950,000

    $2M PRICE DROP
    • 6 Beds
    • 6 Baths
    • 6,309 Sq Ft

    890 Bald Mountain Rd, Austerlitz, NY 12017

    Located in a private gated community of large acreage land holders, this exquisite enclave of 3 homes, on 84 acres, hasbeen listed in Interior Design magazine. The main house is a stunning post and beam contemporary home, combining steel, glass, wood and stone panels. It overlooks the gunite pool, surrounded by stone walls and the two additional designed and inviting cottages. Continuing past

    Janet Kain The Kinderhook Group, Inc.

    890 Bald Mountain Rd, Austerlitz, NY 12017
  • /19

    $185,000

    $34K PRICE DROP
    • 3 Beds
    • 2 Baths
    • 1,300 Sq Ft

    13 Mahoney Rd, Stuyvesant, NY 12173

    This is an adult community must be 55+ to live there. Welcome to easy, carefree living in this beautifully maintained 3-bedroom, 2-bath single-level home located in a desirable 55+ community. Designed for comfort and convenience, this home offers a bright, open layout with spacious living and dining areas that are perfect for everyday living and entertaining.The well-appointed kitchen

    Kim Voltz Anderson Agency

    13 Mahoney Rd, Stuyvesant, NY 12173
  • /24

    $170,000

    • Land
    • 3.8 Acres
    • $44,737 per Acre

    0 Jackson Corners Rd Unit KEY1006768, Gallatin, NY 12571

    Build Your Waterfront Forever Home: 5.10 Picturesque Acres along the Jan Kill River.Close your eyes and listen to the gentle, rhythmic sound of rushing water. Imagine stepping out onto your future back deck with a warm cup of coffee, watching the morning mist rise over the river as the sun filters through the trees. This isn't just a piece of land—it is the canvas for your dreams and the

    KELLY ROMANO Keller Williams Realty

    0 Jackson Corners Rd Unit KEY1006768, Gallatin, NY 12571
  • /24

    $215,000

    • 2 Beds
    • 1 Bath
    • 855 Sq Ft

    42 State Route 9h, Hudson, NY 12534

    Charming cottage-style home featuring original character and unique architectural details, ready for renovation and updating. A cozy foyer and staircase welcome you into the combined living and dining area. The living room is highlighted by a wall of built-in bookcases and three large windows that provide great natural light. The dining area features what appear to be French doors leading

    KIMBERLEY MILLER BHHS HUDSON VALLEY PROP-R

    42 State Route 9h, Hudson, NY 12534
  • /9

    $315,000

    • Land
    • 60 Acres
    • $5,250 per Acre

    0 Frenchs Hill Rd Unit KEY965033, New Lebanon, NY 12125

    Great Wooded Parcel with long frontage on Town Maintained Gravel Road, great privacy. Approval has expired for minor subdivision 1.8, 1.4, 5.4 and 55.5 acre lots. Easy access to Pittsfield and Albany via route 20.

    David Birch Barns and Farms Realty LLC

    0 Frenchs Hill Rd Unit KEY965033, New Lebanon, NY 12125
  • /23

    $425,000

    • 3 Beds
    • 1.5 Baths
    • 1,860 Sq Ft

    211 Sigler Rd, Pine Plains, NY 12567

    Tucked away on a quiet country road and surrounded by open fields and natural beauty, this charming ranch-style home offers the perfect blend of comfort, flexibility, and peaceful country living. Set on a manageable .25-acre lot this 3-bedroom, 2-bath home features approximately 1,860 square feet of living space with hardwood floors throughout the main level. The fully finished lower level

    Richard Brenner Rich Brenner Realty, LLC

    211 Sigler Rd, Pine Plains, NY 12567
  • /37

    $350,000

    $50K PRICE DROP
    • 4 Beds
    • 1.5 Baths
    • 1,564 Sq Ft

    82 County Road 26a, Stuyvesant, NY 12173

    Seize a rare opportunity to own a piece of local history with this magnificent Victorian home, officially listed on the National Register of Historic Places. Hitting the market for the first time since 1955, this residence is located within the highly coveted Stuyvesant Landing Historic District and stands as a true landmark of architectural character and untapped potential. From the moment you

    Taylor Gioeni Beach & Bartolo Realtors

    82 County Road 26a, Stuyvesant, NY 12173
  • /38

    $675,000

    • 4 Beds
    • 2 Baths
    • 4,100 Sq Ft

    263 Maple Ln, Valatie, NY 12184

    * OPEN HOUSE MAY 2nd 12-2 * Steeped in nearly two centuries of Columbia County heritage, The Sutherland House offers a rare opportunity to become the next steward of one of the Kinderhook areas earliest and most architecturally significant residences and an opportunity to further restore and personalize over time.Originally part of a sprawling 800-acre farm, this distinguished 1838 Italianate

    Brittany Craig Houlihan Lawrence Inc.

    263 Maple Ln, Valatie, NY 12184
  • /12

    $399,900

    • Land
    • 42.25 Acres
    • $9,465 per Acre

    0 County Road 15, Gallatin, NY 12567

    42.25 acres of untouched wilderness in the heart of Gallatin, just 5 minutes from Lake Taghkanic State Park. This extraordinary parcel is a living tapestry of ecosystems--rolling woods, natural wetlands, dramatic elevation changes, and the headwaters of historic Dove Creek, locally known for generations as Doove Creek. Flowing through the hamlet of Snyderville in the northwestern corner of

    Michael Castellano Gilcrest Properties

    0 County Road 15, Gallatin, NY 12567
  • /20

    $225,000

    $25K PRICE DROP
    • Land
    • 26.9 Acres
    • $8,364 per Acre

    Lot 2 Snydertown Rd, Craryville, NY 12521

    Up for sale for the first time in several decades is 26.9 acres in the town of Claverack. This parcel offers a rare opportunity to shape your own Upstate retreat with gradual slope from Snydertown Road to a beautiful creek and immense habitat. Carefully curated trails throughout create a pathway to your vision where you can find the perfect building site. Set along a quiet country road yet just

    Daniel Mahar Mahar Real Estate, LLC

    Lot 2 Snydertown Rd, Craryville, NY 12521
  • /10

    $450,000

    • Land
    • 33.48 Acres
    • $13,441 per Acre

    0 Bate Rd Unit 20263268, Claverack, NY 12521

    Far-reaching views from this private, 33 acre, hilltop site make this the perfect location to build your country hideaway. Centrally located in the beautiful Columbia Co town of Claverack, these heavily-wooded, parcels offer easy access to the Taconic State Parkway and 2 hrs to NYC. The hilltop acreage has a cleared house site. Both parcels have BOHA for septic and the electric runs through the

    Alan Weaver Alan Weaver, Lic. RE Broker

    0 Bate Rd Unit 20263268, Claverack, NY 12521
  • /51

    $2,895,000

    • 7 Beds
    • 4 Baths
    • 5,188 Sq Ft

    311 County Route 13, Old Chatham, NY 12136

    Set in the heart of Old Chatham, this classic Colonial rests on an exceptional 101-acre landscape of rolling pasture, woodland, and wide-open country views. From its elevated vantage point, the home looks out over a 2.5-acre swimmable pond, open fields, and a stretch of Hudson Valley scenery that changes beautifully with the seasons. Flooded with natural light, the seven-bedroom home offers

    Nikki Carchedi Stone House Properties, LLC

    311 County Route 13, Old Chatham, NY 12136
  • /42

    $540,000

    $115K PRICE DROP
    • 5 Beds
    • 4 Baths
    • 3,248 Sq Ft

    19 Lovers Ln, New Lebanon, NY 12125

    Large home with room for everyone! This 5 bed 4 bath (2 full upstairs, 2 half baths on the first floor) home features 2 kitchens, 2 living rooms, and 2 dining rooms as it was once a 2 family home. It's spacious and bright, has a beautiful wrap around rocking chair porch, two enclosed porches, a barn, and just under 3.5 acres. Sit by the fire at night, walk across the street to the Corkscrew Rail

    Melissa Dimassimo STONE HOUSE PROPERTIES, LLC

    19 Lovers Ln, New Lebanon, NY 12125
  • /36

    $365,000

    $30K PRICE DROP
    • 3 Beds
    • 1.5 Baths
    • 1,392 Sq Ft

    152 Main St, Philmont, NY 12565

    Welcome to Hawthorne Cottage, a circa 1900 updated residence on Main Street in the heart of Philmont's historic district, set on a sloping lot with a stone wall and partial woodland in one of Columbia County's most authentic small villages. The home has been fully renovated. Open shelving and curated details create inviting living spaces full of warmth and character. The kitchen includes butcher

    Anthony D'Argenzio Houlihan Lawrence

    152 Main St, Philmont, NY 12565
  • /50

    $1,670,000

    • 3 Beds
    • 4 Baths
    • 4,220 Sq Ft

    1202 Jackson Corners Rd, Red Hook, NY 12571

    Welcome to an exceptional waterfront retreat in the heart of Red Hook, where refined design meets effortless lifestyle. Nestled along the serene Roe Jan Kill as it winds through your backyard, this remarkable residence offers picturesque water views and a setting that feels both private and inspiring. Living like a three-bedroom home, the layout is thoughtfully designed with generous proportions,

    Christopher Ferraro RE/MAX Town & Country

    1202 Jackson Corners Rd, Red Hook, NY 12571
  • /39

    $875,000

    • 4 Beds
    • 2.5 Baths
    • 2,380 Sq Ft

    114 Main St, Germantown, NY 12526

    Location, location... Welcome to the House of Hearts. This charming 4-bedroom, 2.5-bath home was built in 1850. The fully renovated property sits on Main Street, just half a mile from the center of the village of Germantown. The 2,000-square-foot living space includes wide-board hardwood floors throughout. There’s a first-floor primary bedroom with a walk-in closet and en suite bathroom. A large

    Anthony Winters Upstate Down

    114 Main St, Germantown, NY 12526
  • /20

    $1,695,000

    • Land
    • 127 Acres
    • $13,346 per Acre

    0 Mitchell St Unit 249980, Hillsdale, NY 12529

    Mitchell St is one of the most picturesque roads in Hillsdale and this property has a beautiful gentleness to it. Comprising of three separate contiguous lots (35.2 acres, 43.1 acres and 48.8 acres per assessor); access comes in off the southern most lot (43.10) and meanders through the property by a pond site, open meadows, old fruit trees and views of the hills around. The middle lot takes you

    Jen Harvey COMPASS MASSACHUSETTS , LLC GB

    0 Mitchell St Unit 249980, Hillsdale, NY 12529
  • /7

    $125,000

    • Land
    • 4.4 Acres
    • $28,409 per Acre

    Lot 34 County Route 27, Copake, NY 12516

    Wooded 4+acre building lot in Copake, NY. Build your dream home on this spacious, wooded 4+ acre lot in scenic Copake. Conveniently located just minutes from Copake Lake, Ancram, the Taconic Parkway, and a variety of outdoor and recreational activities. Enjoy peaceful country living with easy access to shopping, dining, and local attractions. A perfect blend of seclusion and convenience. If you

    Allen Olmsted Canaan Realty

    Lot 34 County Route 27, Copake, NY 12516

Showing Results 401 - 440, Page 11 of 14

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