Homes for Sale near Holy Cross Elementary School

• 

  

  

  /31

  $219,900

  • 3 Beds
  • 2 Baths
  • 1,328 Sq Ft

  1105 Mckinney Ave, Dayton, KY 41074

  Welcome to 1105 McKinney Ave in Dayton, Kentucky -- a charming 3-bedroom, 2-bath home that blends classic character with everyday comfort. Built in 1921, this inviting property offers spacious living areas filled with natural light, an enclosed front porch perfect for relaxing year-round, and a partially finished basement ideal for entertaining or additional living space. Nestled on a quiet

  Timothy Settles Trelora Realty, Inc

  1105 Mckinney Ave, Dayton, KY 41074
• 

  

  

  /27

  $299,000

  • 2 Beds
  • 1 Bath
  • 987 Sq Ft

  323 E 2nd St Unit 208, Covington, KY 41011

  Welcome to one of the most coveted locations in Licking Riverside Historic District! Lined with beautiful historic homes, charming streets, and endless character, this neighborhood offers a lifestyle that's hard to match. Nestled just one street from the river, this beautifully updated 2-bedroom, 1-bath condo at Governors Pointe puts you in the heart of it all. Enjoy an incredible lineup of

  Michele Mamo eXp Realty LLC

  323 E 2nd St Unit 208, Covington, KY 41011
• 

  

  

  /35

  $1,070,000

  New Construction $5K PRICE DROP

  • 3 Beds
  • 2.5 Baths
  • 2,478 Sq Ft

  952 Walnut St, Dayton, KY 41074

  Elevated living at 952 Walnut St in Pottebaum Point, Dayton, KY! This contemp 3-story home offers 3BD/2.5BA + stunning Cinci skyline views from every level. Open 2nd floor feat chef's kit w/ high-end Bosch appl, custom cabs & stylish finishes. Spacious GR & dining area + flex space ideal for study. Private primary suite on main level w/lg WIC & spa-like bath w/ oversized shower. LL includes 2

  Kristin Castillo Comey & Shepherd, Inc.

  952 Walnut St, Dayton, KY 41074
• 

  

  

  /7

  $272,500

  New Construction

  • 2 Beds
  • 2 Baths
  • 1,322 Sq Ft

  4816 Bentwood Hills Dr Unit 9-303, Wilder, KY 41071

  New construction by Fischer Homes in the beautiful Overlook at Sunrock community, featuring the stunning Wexner design. This condo design offers 2 bedrooms and 2 full baths. This design showcases vaulted ceilings and abundant natural light, creating an airy and inviting atmosphere throughout. The heart of this home is an open-concept kitchen that seamlessly connects to the family room perfect for

  Alexander Hencheck HMS Real Estate

  4816 Bentwood Hills Dr Unit 9-303, Wilder, KY 41071
• 

  

  

  /44

  $649,900

  • 4 Beds
  • 2 Baths
  • 2,648 Sq Ft

  Unlisted Address

  Incredible opportunity in the heart of MainStrasse Village! This mixed use brick building offers the perfect combination of historic charm, modern updates, and an unbeatable location. The property features two storefronts fronting Main Street, offering excellent visibility and abundant natural light through large display windows. A full, usable basement with walkout access provides valuable

  Mark Ramler Keller Williams Realty Service

  Unlisted Address
• 

  

  /38

  $259,000

  • 3 Beds
  • 2 Baths
  • 2,632 Sq Ft

  1111 Park Ave, Newport, KY 41071

  If You're a Seasoned Investor or Looking to Start Your Portfolio - This is an Excellent Opportunity! Full Brick 2 Family across from the Entry to Wiedeman Hill in Newport! Surrounded by High End Properties - 3 Minutes to I-275/Newport Shopping Center & Dining! Excellent Low Maintenance Long Term Tenants - Quaint Yard (1st Floor Tenant Maintains the Yard) Full Basement with Laundry Hook ups for

  Cindy Cahill Cahill Real Estate Services

  1111 Park Ave, Newport, KY 41071
• 

  /2

  $620,000

  • Land
  • 19,166 Sq Ft
  • $1,409,091 per Acre

  309 Mount Hope Ave, Cincinnati, OH 45204

  This property is currently 7 parcels that total 0.44 acres. They could be developed into a 6-lot subdivision with 4 riverfront 32.5' wide lots & 2 lots behind, but somewhat elevated to have a possible top floor view of the river. It could also be 5-25' wide riverfront lots with 2 lots behind, all sharing a private street access behind the riverfront lots and in front on the 2-lots behind.

  Joan Elflein Ohio Broker Direct

  

  309 Mount Hope Ave, Cincinnati, OH 45204
• 

  

  /30

  $269,000

  • 2 Beds
  • 2 Baths

  1 Howard Rd, Covington, KY 41011

  Charming Fort Wright Cape Cod, conveniently situated on a large corner lot, offering exceptional value. Features an inviting enclosed porch, finished lower level with full bath, flexible living space, abundant storage, and a spacious yard. Recent updates include a 4 year old roof, 4 year old water heater, new kitchen floors and a new stove. Located just minutes from shopping, dining, schools,

  Eric Granacher Sibcy Cline, REALTORS-Florence

  1 Howard Rd, Covington, KY 41011
• 

  

  /41

  $689,900

  • 3 Beds
  • 3.5 Baths
  • 2,556 Sq Ft

  550 Scenic Dr, Park Hills, KY 41011

  WHAT A FIND -- blink and you might miss it. Tucked away in a private enclave in Park Hills overlooking Cincinnati, this exceptional home offers the perfect blend of privacy, style, and convenience. This 3-bedroom, 4-bath two-story residence features three beautifully finished levels with modern finishes throughout. The stunning kitchen showcases a massive island, ideal for entertaining, and flows

  Michele Mamo eXp Realty LLC

  550 Scenic Dr, Park Hills, KY 41011
• 

  

  /29

  $220,000

  $40K PRICE DROP

  • 4 Beds
  • 3.5 Baths
  • 1,780 Sq Ft

  923 Findlay St, Cincinnati, OH 45214

  *** P R I C E D R O P *** Investor Special - Steps from Findlay Market! Bring your vision to life with this solid brick 2-story in Cincinnati's booming West End! ~New roof & windows ~Plumbing redone ~Half the electric complete ~All building materials included Just steps from Findlay Market, OTR, and Washington Park and only 4 minutes to TQL Stadium! Surrounded by major city redevelopment

  Dorena Richardson Coldwell Banker Realty

  

  923 Findlay St, Cincinnati, OH 45214
• 

  

  /9

  $511,000

  New Construction

  • 3 Beds
  • 3.5 Baths
  • 2,384 Sq Ft

  254 Meridian Way Unit 9-505, Fort Mitchell, KY 41017

  New construction by Fischer Homes in the beautiful The Pinnacle at Fort Mitchell community, featuring the stunning Brookline design. This condo design offers 3 bedrooms 3 full baths, and 1 half baths. The main level showcases an open-concept layout where spacious kitchens with large pantry storage connect flexible dining areas to light-filled family rooms. The upper level provides private

  Alexander Hencheck HMS Real Estate

  254 Meridian Way Unit 9-505, Fort Mitchell, KY 41017
• 

  

  /33

  $499,000

  • 3 Beds
  • 2 Baths
  • 3,590 Sq Ft

  142 E Clifton Ave, Cincinnati, OH 45202

  Welcome to this majestic and eloquent three-bedroom condo, a truly special place filled with warmth, character, and timeless charm, located in Over the Rhine, just a 5 minutes' walk to downtown Cincinnati, and minutes by car to Newport and Covington! This home has been thoughtfully redesigned with expert craftsmanship, featuring designer-quality upgrades throughout with no expense spared. The

  J. J. Harrison Endurance Realty & Investments

  

  142 E Clifton Ave, Cincinnati, OH 45202
• 

  

  /45

  $349,900

  • 2 Beds
  • 2 Baths
  • 1,033 Sq Ft

  353 W 4th St, Cincinnati, OH 45202

  Welcome to 353 W. 4th St., Unit 305 located in Parker Flats in Home Sweet Cincinnati. This 2-bedroom, 2-bathroom condo is filled with natural light. The spacious open-concept layout is perfect for entertaining, featuring garage-style doors that open to a private balcony. The first floor includes a comfortable bedroom and full bathroom, along with ample storage. Upstairs, the primary loft suite

  Megan Stacey Coldwell Banker Realty

  

  353 W 4th St, Cincinnati, OH 45202
• 

  

  /20

  $239,900

  • 1 Bed
  • 1 Bath
  • 715 Sq Ft

  417 Vine St, Cincinnati, OH 45202

  Beautiful loft-style 1-bedroom, 1-bath condo on the 4th floor, just steps from Fountain Square, The Banks, Over-the-Rhine, and everything downtown Cincinnati has to offer. This open-concept unit features spacious living, dining, and kitchen areas with 13+ foot ceilings and large windows that fill the space with natural light. Exposed architectural details, hardwood floors, and a stunning granite

  Beth Brown Clul eXp Realty

  

  417 Vine St, Cincinnati, OH 45202
• 

  

  /28

  $149,900

  $20K PRICE DROP

  • 2 Beds
  • 1 Bath
  • 1,440 Sq Ft

  48 W 28th St, Covington, KY 41015

  Investor special looking for someone to put some extra love into. Charming historic home built in 1914, perfectly blending classic character with modern updates! This inviting property features spacious living areas filled with natural light, original woodwork, and cozy details throughout. The kitchen offers functional space for cooking and gathering, while the bedrooms provide comfortable

  Timothy Settles Trelora Realty, Inc

  48 W 28th St, Covington, KY 41015
• 

  

  /39

  $649,990

  New Construction

  • 4 Beds
  • 2.5 Baths
  • 3,180 Sq Ft

  Huxley Plan at Cityview Station - Masterpiece Collection, Ludlow, KY 41016

  The Huxley by Fischer Homes offers a unique and versatile design with a stunning two-story morning room and 9-foot ceilings on the first floor. The expansive kitchen features a large pantry and customizable options, including a prep space, pocket office, or gourmet prep kitchen with full-size appliances. A flex space off the family room adds functionality, while extra-large secondary bedrooms

  Fischer Homes Builder

  205 Highway Avenue St Unit 36459338, Ludlow, KY 41016
• 

  

  /32

  $535,900

  Open Sun 12PM - 1:30PM $59K PRICE DROP

  • 2 Beds
  • 2.5 Baths
  • 1,664 Sq Ft

  382 Grand Ave, Cincinnati, OH 45205

  Located in the desirable Incline District within a quiet cul-de-sac community, this exceptional condo offers spectacular city and river views from multiple vantage points. Rich in character, the interior features beautiful in-laid hardwood floors, spacious living areas, and an abundance of natural light throughout. Enjoy outdoor living at its finest with wonderful terraces perfect for relaxing or

  Tom Deutsch Coldwell Banker Realty

  

  382 Grand Ave, Cincinnati, OH 45205
• 

  

  /3

  $40,000

  • 2 Beds
  • 1 Bath
  • 1,124 Sq Ft

  627 Brooklyn Ave, Dayton, KY 41074

  ATTENTION INVESTORS....... lots of potential, but needs a lot of work. Covered front and side porches/off street parking/dead end street and convenient location. SOLD ''AS IS''.

  Rob Feldman Keller Williams Realty Service

  627 Brooklyn Ave, Dayton, KY 41074
• 

  

  /9

  $165,000

  • Land
  • 3,920 Sq Ft
  • $1,833,333 per Acre

  35 W 14th St Unit Lot 43, Newport, KY 41071

  Build in Martin's Gate Community, the site of Homearama 2023 in Newport, Kentucky. With sweeping views of the City of Cincinnati, convenient location and just minutes to downtown Cincinnati, this fantastic new community is made up of finished, move-in ready homes and single family building lots. This lot is the perfect opportunity to build a custom house in this prestigious new development. Site

  Michael Hines Coldwell Banker Realty

  35 W 14th St Unit Lot 43, Newport, KY 41071
• 

  

  /31

  $445,000

  $30K PRICE DROP

  • 3 Beds
  • 2.5 Baths
  • 1,343 Sq Ft

  1909 Race St, Cincinnati, OH 45202

  Rare 3bed/2.5bath condo next to Findlay Market! Beautifully renovated in 2022, this 1343sf 2 story unit includes keyless entry & 1 secure, assigned parking space. Stylish kitchen features quartz countertops, island, gas range & subway tile backsplash. 2nd floor Primary Suite w/walk-in closet, dbl vanity & frameless glass shower. Steps to Findlay Market, Rhinegeist & Streetcar stop. Excellent

  Bill Draznik Coldwell Banker Realty

  

  1909 Race St, Cincinnati, OH 45202
• 

  

  /9

  $35,000

  • Land
  • 8,642 Sq Ft
  • $176,411 per Acre

  3513 Latonia Ave, Covington, KY 41015

  Level residential lot. This site could accommodate up to 2 single family homes, duplex, or other potential usage subject to zoning and approval. Rear alley access provides flexibility for off street parking and rear entry garages. Located in Latonia, nearby grocery, convenience, dining, and easy access to I-275.

  Amanda Pertuset Coldwell Banker Realty FM

  3513 Latonia Ave, Covington, KY 41015
• 

  

  /5

  $69,000

  • Land
  • 19,035 Sq Ft
  • $157,895 per Acre

  4 Charity Hill Drive Lot 2, Cold Spring, KY 41076

  Prime custom development-minutes to I275- 10 minutes to Cincinnati 20 minutes to Airport-Boden Builders the Exclusive Builder - Bring your own plans. Builder will assist you in selecting the right lot to fit your home. Builder does work with both Studer Designs and Enzweiler Architect's, if you need assistance in designing your home; both know the development and Builder well. No HOA Fee -

  Rebecca Orth Sibcy Cline, REALTORS-CC

  4 Charity Hill Drive Lot 2, Cold Spring, KY 41076
• 

  

  /35

  $275,000

  • 1 Bed
  • 1 Bath
  • 648 Sq Ft

  11 E Court St, Cincinnati, OH 45202

  Awesome 1 Bed/1 Bath on Court & Vine! Turn Key opportunity to purchase fully furnished. Wood floors throughout with updated bathroom and kitchen stainless steel appliances with waterfall quartz countertop. Light filled living room overlooking Court St! Tax Abatement Through 2032. Parking Available at the Kroger Parking Garage! Additional Storage Located in the Basement.

  Drew Homan Coldwell Banker Realty

  

  11 E Court St, Cincinnati, OH 45202
• 

  

  /38

  $790,000

  • 3 Beds
  • 2.5 Baths
  • 3,000 Sq Ft

  1011 Squire Valley Dr, Villa Hills, KY 41017

  Experience easy, low-maintenance living in this beautifully maintained custom-built Toebben patio home tucked away on a peaceful cul-de-sac in the desirable Country Squire Community. Enjoy an active lifestyle with neighborhood amenities including lakes, swimming pool, clubhouse, basketball, tennis, and pickleball courts. Thoughtfully designed home offers an inviting open-concept layout with

  Kathy Heimbrock Sibcy Cline, REALTORS-Florence

  1011 Squire Valley Dr, Villa Hills, KY 41017
• 

  

  /42

  $284,900

  • 2 Beds
  • 2 Baths
  • 1,300 Sq Ft

  2144 Siena Ave, Covington, KY 41017

  Experience the perfect blend of comfort and convenience in this highly sought-after Wexner model in Siena at Tuscany. Offering a seamless, no-steps layout and the ease of an attached garage, this ~1,300 sq. ft. private entry home delivers a truly effortless lifestyle. Step out onto your covered back balcony patio to relax and take in picturesque, resort-style views looking right out toward the

  Reid Culver RE/MAX Preferred Group

  2144 Siena Ave, Covington, KY 41017
• 

  

  /36

  $649,900

  • 4 Beds
  • 3 Baths
  • 2,818 Sq Ft

  22 Tower Dr Unit 22, Newport, KY 41071

  Enjoy Stunning Views of the Cincinnati Skyline and Riverfront! This 4 bedroom, 3 bath townhome offers an open kitchen, gorgeous hdwd floors, spacious living room and rear deck overlook Breathtaking City Views! Main floor primary bedroom w/ ensuite and laundry provides single floor living. Plenty of living space for a household of any size! Spacious lofted area offers flexible entertaining space

  Lucie Purcell Huff Realty - CC

  22 Tower Dr Unit 22, Newport, KY 41071
• 

  

  /38

  $549,900

  $100K PRICE DROP

  • 4 Beds
  • 3.5 Baths
  • 2,120 Sq Ft

  1221 Martin Dr, Cincinnati, OH 45202

  Homes like this don't come up often in Mt. Adams. River views, a private 2-car driveway, and an address in one of Cincinnati's most talked-about neighborhoods 1221 Martin Drive checks boxes most buyers have given up on finding together. This place was made for people who actually want to live in their home. Multiple decks mean you're never far from a panoramic Ohio River view morning coffee,

  Mike McEntush Coldwell Banker Realty

  

  1221 Martin Dr, Cincinnati, OH 45202
• 

  

  /24

  $275,000

  Open Sun 1PM - 3PM

  • 3 Beds
  • 1 Bath
  • 1,317 Sq Ft

  1122 Mount Allen Rd, Park Hills, KY 41011

  Tucked on a quiet, tree-lined street in Park Hills, this 2-story home offers a simple, low-maintenance lifestyle with the space you actually need. Hardwood floors run through the formal living and dining rooms, creating a clean, functional layout for everyday living and entertaining. The kitchen walks out to a sunroom overlooking a wooded backdrop--an easy spot for morning coffee or winding down

  Brian Smith Keller Williams Realty Service

  1122 Mount Allen Rd, Park Hills, KY 41011
• 

  

  /46

  $229,900

  $20K PRICE DROP

  • 1 Bed
  • 1 Bath
  • 700 Sq Ft

  412 Liberty Hill, Cincinnati, OH 45202

  Charming OTR / Prospect Hill 1 bedroom, 1 bath condo in the historic Liberty Hill Schoolhouse! 700 square feet of well planned space plus an additional 365+ square feet of private outdoor living area all on the 1st floor of a secure building! Beautiful wood floors, exposed brick, updated kitchen w/ GE Cafe appliances and large counter bar, stylish bathroom w/ modern tile & large shower. There is

  James Pitzer Coldwell Banker Realty

  

  412 Liberty Hill, Cincinnati, OH 45202
• 

  

  /27

  $390,990

  New Construction

  • 2 Beds
  • 2 Baths
  • 1,501 Sq Ft

  Edenton Plan at Tuscany - Designer Collection, Covington, KY 41017

  The Edenton by Fischer Homes offers a thoughtfully designed layout that combines spaciousness and convenience. The extra-large family room flows seamlessly into the kitchen, creating the perfect space for everyday living and entertaining. Customize your home with options for a basement or loft to suit your needs or add an optional sunroom with expanded patio and deck features for enhanced outdoor

  Fischer Homes Builder

  3801 Circollo Dr Unit 36660054, Covington, KY 41017
• 

  

  /39

  $294,900

  • 3 Beds
  • 3 Baths
  • 1,882 Sq Ft

  315 Adela Ave, Ludlow, KY 41016

  Welcome to this beautifully updated ranch home in the heart of Ludlow, Kentucky! This charming 3-bedroom, 2 full bath property blends modern updates with comfortable, functional living. Step inside to discover a freshly painted interior and a completely renovated kitchen featuring brand-new stainless steel appliances, quartz countertops, and stylish finishes throughout. Both full bathrooms have

  Pat Tenoever Sibcy Cline, REALTORS-Florence

  315 Adela Ave, Ludlow, KY 41016
• 

  

  /22

  $574,900

  $25K PRICE DROP

  • 2 Beds
  • 2.5 Baths
  • 1,964 Sq Ft

  1 Roebling Way Unit 301, Covington, KY 41011

  Sleek, sophisticated 3rd floor 2-bedroom retreat end-unit with office/flex space. Views of the Roebling Bridge, Cincinnati Skyline, Reds Stadium, fireworks, Covington neighborhood and Kentucky Hills from floor-to-ceiling windows. Open, light-filled floor plan invites you and your guests to relax and enjoy The Ascent with all of its fantastic amenities including 24 hour concierge service, heated

  Lee Robinson Robinson Sotheby's Int. Realty

  1 Roebling Way Unit 301, Covington, KY 41011
• 

  

  /16

  $174,900

  $15K PRICE DROP

  • 2 Beds
  • 1 Bath
  • 1,078 Sq Ft

  3025 W 28th St, Covington, KY 41015

  This charming 2-story home offers a comfortable layout with 5 rooms, including 2 bedrooms and 1 full bath, and has been thoughtfully updated for modern living. Recent improvements include a newer roof, updated kitchen with refreshed cabinetry and finishes, fresh interior paint, and newer flooring throughout, creating a clean and move-in ready feel. The home features a welcoming front

  Cheryl Watson CENTURY 21 Garner Properties

  3025 W 28th St, Covington, KY 41015
• 

  

  /6

  $50,000

  • Land
  • 6,534 Sq Ft
  • $333,333 per Acre

  3274 Lookout Valley, Covington, KY 41017

  Build your dream home on this expansive lot in the desirable Villages of Kyles Lane! Lot 13 at 3274 Lookout Valley Drive offers breathtaking valley views and an exceptional setting to enjoy for years to come. Conveniently located just minutes from downtown Cincinnati and the airport, this prime homesite combines scenic beauty with everyday accessibility. Bring your own builder and take advantage

  Dustin Poe KW Seven Hills Realty

  3274 Lookout Valley, Covington, KY 41017
• 

  

  /5

  $50,000

  • Land
  • 1,437 Sq Ft
  • $1,515,152 per Acre

  1816 Baymiller St, Cincinnati, OH 45214

  Great investment opportunity. Close to downtown, UC, OTR and FC Cincinnati Stadium. Flat lot and ready to build on.

  Monika Deroussel eXp Realty

  

  1816 Baymiller St, Cincinnati, OH 45214
• 

  

  /27

  $150,000

  • 2 Beds
  • 1.5 Baths
  • 1,080 Sq Ft

  309 E 21st St, Covington, KY 41014

  Welcome to this charming and affordable home located in the desirable Wallace Woods neighborhood! Whether you're a first-time buyer looking for a place to call your own or an investor seeking a solid addition to your portfolio, this property offers outstanding potential and value. The inviting covered front porch provides the perfect spot to relax! While inside you'll find character and warmth

  Nicole Riegler RE/MAX Victory + Affiliates

  309 E 21st St, Covington, KY 41014
• 

  

  /3

  $420,000

  • Land
  • 1.41 Acres
  • $297,282 per Acre

  2414 River Rd, Cincinnati, OH 45204

  Capitalize on the ground-work that's been done for the Lower Gateway lots; continue the spirit being developed at the Gateway of River Bend development. This project is approved and ready for someone to purchase this land and hit the ground running. Build on the engineering already developed for the Lower lots. Then construct the 9 single family lots already plotted. Great River and City views.

  Joan Elflein Ohio Broker Direct

  

  2414 River Rd, Cincinnati, OH 45204
• 

  

  /73

  $760,000

  • 3 Beds
  • 2.5 Baths

  207 Kemp Aly, Cincinnati, OH 45202

  Welcome home to this fully renovated 3bed/2.5 Bath located in the heart of OTR. Just steps from TQL Stadium, Washington Park and Music Hall, this home offers and unbeatable location close to some of the city's best dining, entertainment and highway access. Inside you will find a perfect blend of modern updates and historic charm, featuring spacious living areas and thoughtfully designed finishes

  Brian Tiffany Coldwell Banker Realty

  

  207 Kemp Aly, Cincinnati, OH 45202
• 

  

  /49

  $489,000

  • 4 Beds
  • 2.5 Baths
  • 2,754 Sq Ft

  3857 Circollo Dr, Covington, KY 41017

  Prepare to be impressed by this stunning, 2,700+ sq ft home with 4 large sized bedrooms, 2.5 bath and open floor plan! Incredible curb appeal with professional upgraded landscaping & an elegant brick facade are just a few reasons this sophisticated retreat will WOW you from the moment you arrive! Step into a spacious, light-filled family room featuring a dramatic deep-blue accent wall, custom

  Sarah Brooks KW Seven Hills Realty

  3857 Circollo Dr, Covington, KY 41017
• 

  

  /20

  $479,900

  $10K PRICE DROP

  • 3 Beds
  • 2 Baths
  • 2,344 Sq Ft

  2462 River Rd, Cincinnati, OH 45204

  Magnificently updated, gorgeous brick home in East Price Hill High ceilings, wood floors, granite & marble surfaces, & an open concept layout. Living area is on the 2nd floor with a working fireplace separating the kitchen from the huge living room. Kitchen has all new SS appliances & an island for food prep & casual eating. 3 spacious Bedrooms, including one on the first floor with a tiled full

  Joan Elflein Ohio Broker Direct

  

  2462 River Rd, Cincinnati, OH 45204

Showing Results 641 - 680, Page 17 of 18