1,191

Dutchess County NY Homes for Sale

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  • /23

    $799,000

    New Construction
    • 4 Beds
    • 2.5 Baths
    • 2,166 Sq Ft

    991 Freedom Rd, Pleasant Valley, NY 12569

    TO BE BUILT – The Vanderbilt Model Colonial on Over 3 Acres!This stunning 4-bedroom, 2.5-bath colonial offers the perfect blend of elegance and functionality. The thoughtfully designed main level features a formal living room and dining room, a spacious family room that showcases a gas fireplace and a wall of windows, seamlessly opening to the kitchen with quartz counters, a center island,

    John Gabriel Jr KW MidHudson

    991 Freedom Rd, Pleasant Valley, NY 12569
  • /22

    $475,000

    $24K PRICE DROP
    • 3 Beds
    • 2 Baths
    • 1,976 Sq Ft

    319 Blue Hill Rd, Hopewell Junction, NY 12533

    Idyllically perched on the corner of Blue Hill and Shenandoah, this Hudson Valley gem, where heritage meets modern warmth, 319 Blue Hill Road awaits. A timeless property, perfectly move-in ready features three bedrooms, two updated baths, seamlessly integrated central air conditioning and new luxury vinyl plank flooring. The magnificent fully roofed front porch spans the entire width of the home

    Nancy Bryson K. Fortuna Realty, Inc.

    319 Blue Hill Rd, Hopewell Junction, NY 12533
  • /37

    $575,000

    • 3 Beds
    • 2.5 Baths
    • 2,093 Sq Ft

    47 Martin Rd, Hopewell Junction, NY 12533

    Beautifully Maintained 3 Bedroom Home on Private 1.23 Acres. Welcome to this well maintained 3 bedroom, 2 1/2 bath home offering space, comfort, and privacy in a serene setting. Thoughtfully updated with recent improvements, this home is move-in ready and perfect for today’s lifestyle. The main level features a spacious, open concept kitchen complete with elegant marble countertops and stainless

    Agent Photo

    Sharon Sheil

    Coldwell Banker Realty

    47 Martin Rd, Hopewell Junction, NY 12533
  • /19

    $407,000

    • 3 Beds
    • 1 Bath
    • 1,075 Sq Ft

    11 Princeton St, Red Hook, NY 12571

    Neat and Tidy Ranch Style Home in Quiet Neighborhood. In same family for over 30 years this home has been well maintained and updated with the utmost attention to detail and care. A very sweet, covered Porch welcomes you into a nice sized Living Room with Vaulted Ceiling that flows into the newly updated Kitchen with ample cabinetry, stainless appliances and sleek countertops. A nice subway tile

    Catherine Mondello Mondello Upstate Properties

    11 Princeton St, Red Hook, NY 12571
  • /3

    $165,999

    • Land
    • 2.35 Acres
    • $70,638 per Acre

    1 Middlebush Rd, Wappingers Falls, NY 12590

    Prime 2.35-acre corner parcel in desirable Wappingers Falls. Excellent visibility and road frontage along a well-traveled roadway. Ideal opportunity for a custom home, investment, or potential development subject to approvals. Conveniently located near Route 9, I-84, Metro-North, shopping, dining, and local amenities. Whether you're a builder, developer, investor, or future homeowner looking to

    Emmanuel Depas Depas Properties Inc

    1 Middlebush Rd, Wappingers Falls, NY 12590
  • /25

    $499,000

    $48K PRICE DROP
    • 3 Beds
    • 2 Baths
    • 1,544 Sq Ft

    27 Goldfinch Dr, Salt Point, NY 12578

    Surrounded by mature trees and open lawns, this thoughtfully designed, custom-built passive solar 3 bedroom, 2 bathroom home offers the perfect blend of energy efficiency, natural beauty, and modern comfort. Expansive windows fill the home with abundant natural light while showcasing peaceful views of the surrounding property. Lovingly maintained, this tranquil retreat is ideal for artists,

    Kimberly Baker BHHS Hudson Valley Properties

    27 Goldfinch Dr, Salt Point, NY 12578
  • /30

    $725,000

    • 3 Beds
    • 3 Baths
    • 2,430 Sq Ft

    8 Willow Rd, Beacon, NY 12508

    Welcome home to this beautifully redesigned and updated 3 bedroom, 3 bath expanded ranch, ideally situated on a wonderful lot in a peaceful setting just minutes from local hiking and outdoor recreation. With a stunning mountain backdrop and plenty of open space, this property offers both privacy and the opportunity to create the outdoor oasis you’ve been dreaming of. Inside, the thoughtfully

    Michele Rios BHHS Hudson Valley Properties

    8 Willow Rd, Beacon, NY 12508
  • /18

    $379,900

    • 4 Beds
    • 2 Baths

    18 Grant St, Poughkeepsie, NY 12601

    Fully Rented Is This Affordable Two Family Home For Sale. Each Unit Has Living Room, Kitchen, Two Bedrooms And Separate Utilities (Gas And Electric). This One Is Within Walking Distance To Restaurants, Beauty And Na.il Salons And Other General Services. Prior Day's Notice Is Needed For Showings. Agents Please See Other Remarks.

    Agent Photo

    Joyce Stanton

    Century 21 Hudson Valley Rlty.

    18 Grant St, Poughkeepsie, NY 12601
  • /2

    $950,000

    • Land
    • 78.25 Acres
    • $12,141 per Acre

    205-199 E Fallkill Rd, Hyde Park, NY 12538

    Prime Hudson Valley Acreage: 78.25 Private Acres in Clinton Corners, NYEscape to the heart of the historic Hudson Valley with this expansive 78.25-acre parcel, offering a rare combination of absolute privacy, majestic natural beauty, and unmatched regional accessibility. Tucked away in a quiet, low-traffic enclave of Clinton Corners, this pristine property serves as a blank canvas with

    Steven Collier BHHS Hudson Valley Properties

    205-199 E Fallkill Rd, Hyde Park, NY 12538
  • /49

    $1,100,000

    • 4 Beds
    • 3.5 Baths
    • 5,000 Sq Ft

    5 Albertanna Ct, Hopewell Junction, NY 12533

    Welcome to luxury living in the heart of Hopewell Junction. Nestled on a beautifully landscaped corner lot in one of the area’s most sought-after neighborhoods, this exceptional Colonial offers over three levels of thoughtfully designed living space, seamlessly blending timeless elegance, quality craftsmanship, and modern comfort.Step through the grand two-story foyer and immediately

    INGRID LEILADHAR eXp Realty

    5 Albertanna Ct, Hopewell Junction, NY 12533
  • /13

    $399,000

    $26K PRICE DROP
    • 3 Beds
    • 1 Bath
    • 1,406 Sq Ft

    858 Route 52, Fishkill, NY 12524

    Opportunity awaits at 858 Route 52 in Fishkill, ideally situated just minutes from I-84 with excellent visibility and convenient access. This property offers tremendous potential for investors, contractors, or buyers looking to renovate and make it their own. The existing home provides a solid opportunity to restore, reimagine, or redevelop. Whether you're searching for your next renovation

    Ryan LaLuna McGrath Realty Inc

    858 Route 52, Fishkill, NY 12524
  • /49

    $399,000

    $26K PRICE DROP
    • 3 Beds
    • 1 Bath

    2 Verven Rd, Poughkeepsie, NY 12603

    Welcome to this beautifully maintained 3-bedroom, 1 bath home offering the perfect blend of comfort and convenience. Featuring a functional layout, updated kitchen with stainless steel appliances, quartz countertops, new cabinetry, spacious living areas, and abundant natural light throughout, this home is designed for modern living. Gleaming hardwood floors in excellent condition flow throughout

    Eliana Amodio Amodio Real Estate & Prop

    2 Verven Rd, Poughkeepsie, NY 12603
  • /31

    $1,375,000

    • 3 Beds
    • 3 Baths
    • 1,979 Sq Ft

    43 & 45 South St, Rhinebeck, NY 12572

    Properties of this caliber are seldom available in the Village of Rhinebeck. Ideally situated on one of its most desirable streets, this tastefully renovated Cape-style home blends timeless character with modern comfort and exceptional craftsmanship. From the moment you enter, a sense of calm and comfort welcomes you. Elegantly designed living spaces, high-end finishes, and an effortless

    Dana Goldberg Houlihan Lawrence, Inc.

    43 & 45 South St, Rhinebeck, NY 12572
  • /37

    $949,000

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

    5012 Route 9, Staatsburg, NY 12580

    The White Hydrangea Homestead located in the Hudson Valley. This 1804 farmhouse where charm meets modern comfort. Surrounded by evergreens, wooded privacy, and hydrangea gardens, stone walls and landscaping .The property is set back, shielded by mature landscaping, where it remains secluded and peaceful despite its location along Route 9.Staatsburg is a hidden treasure, known for its

    David White Owner Entry.com

    5012 Route 9, Staatsburg, NY 12580
  • /28

    $1,375,000

    • 3 Beds
    • 3 Baths
    • 1,979 Sq Ft

    43 & 45 South St, Rhinebeck, NY 12572

    Properties of this caliber are seldom available in the Village of Rhinebeck. Ideally situated on one of its most desirable streets, this tastefully renovated Cape-style home blends timeless character with modern comfort and exceptional craftsmanship. From the moment you enter, a sense of calm and comfort welcomes you. Elegantly designed living spaces, high-end finishes, and an effortless

    Dana Goldberg Houlihan Lawrence Inc.

    43 & 45 South St, Rhinebeck, NY 12572
  • /15

    $285,000

    $15K PRICE DROP
    • 3 Beds
    • 1.5 Baths
    • 1,200 Sq Ft

    3 Hudson Heights Dr, Poughkeepsie, NY 12601

    Ready for its next chapter, this 3-bedroom, 1.5-bath townhouse in Hudson Heights is waiting for someone to make it their own. Ideally located just minutes from the Mid-Hudson Bridge, Metro-North train station, restaurants, shopping, the waterfront, and everything the City of Poughkeepsie has to offer, you'll love the convenience this location provides.The home features a spacious primary

    Gina Bonato Keller Williams Realty Partner

    3 Hudson Heights Dr, Poughkeepsie, NY 12601
  • /17

    $850,000

    • 1 Bed
    • 1 Bath
    • 960 Sq Ft

    660 Sharon Station Rd, Millerton, NY 12546

    Build Your Dream Home in a Spectacular Hudson Valley Setting Set on 9.88 private acres, this remarkable property offers the perfect blend of natural beauty, privacy, and development potential. Hidden among mature trees and accessed by a winding drive, the property opens to a scenic homesite where an existing one-bedroom cottage enjoys expansive views stretching east toward Sharon and west toward

    Arleen Shepley Elyse Harney Real Estate

    660 Sharon Station Rd, Millerton, NY 12546
  • /30

    $439,930

    $34K PRICE DROP
    • 3 Beds
    • 1.5 Baths
    • 1,480 Sq Ft

    39 Raker Rd, Poughkeepsie, NY 12603

    WELCOME HOME! Fresh painting just completed! You won't want to miss this well maintained raised ranch on a cul-de-sac in the desirable Sutton Park subdivision with most affordable Wappingers school district taxes! When you enter the main level of the home you will immediately notice the beautiful open concept for the kitchen, dining, and living room. The kitchen offers a modern feel and has

    Christopher Acuti RE/MAX Town & Country

    39 Raker Rd, Poughkeepsie, NY 12603
  • /24

    $1,100,000

    1425 Centre Rd, Rhinebeck, NY 12572

    28 Acres in Rhinebeck | Turnkey Equestrian Facility with Rare Residential and Commercial Zoning Set on over 28 private acres in one of the Northeast's most established equestrian and lifestyle corridors, Black Rock Farm offers a rare opportunity to own a fully operational equestrian estate just minutes from the villages of Rhinebeck and Millbrook. More than simply a horse farm, this property

    Anthony Flores Upstate Down

    1425 Centre Rd, Rhinebeck, NY 12572
  • /27

    $499,000

    $176K PRICE DROP
    • 3 Beds
    • 2 Baths
    • 1,978 Sq Ft

    272 van Wyck Lake Rd, Fishkill, NY 12524

    Lovely, upgraded home on secluded lot features three bedrooms and two full baths on main level. Large living room with natural flow to open dining room and kitchen. Stainless appliances. Lower level is a fully finished living room with washer dryer and garage entry. Minutes from I-84 and Highway 9 with shopping, restaurants and amenities.House is also for rent: month-to-month, $3,500/month +

    Valerie Foster K. Fortuna Realty, Inc.

    272 van Wyck Lake Rd, Fishkill, NY 12524
  • /23

    $450,000

    $50K PRICE DROP
    • 3 Beds
    • 1 Bath
    • 2,344 Sq Ft

    2 Wilbur Blvd, Poughkeepsie, NY 12603

    Southside Poughkeepsie Colonial with Incredible Flexibility & Potential!!Charming and filled with natural light, this 3-bedroom colonial offers the perfect blend of character, comfort, and opportunity. Featuring beautiful hardwood floors throughout, a versatile bonus room ideal for a home office, den, guest room, or potential 4th bedroom, and an updated kitchen with granite countertops and

    Beatrice Dorlean-Cornet BHHS Hudson Valley Properties

    2 Wilbur Blvd, Poughkeepsie, NY 12603
  • /34

    $674,000

    $101K PRICE DROP
    • 4 Beds
    • 2.5 Baths
    • 2,362 Sq Ft

    326 Mills Cross Rd, Staatsburg, NY 12580

    This beautiful Custom built home has and does it all. Drive down the driveway and this gorgeous Colonial unfolds. As you enter the foyer the story begins. To your left is a large Living Room front to back design, bathed in sun light with hardwood floors and a beautiful fireplace. Off the living room is the Family Room with hardwood floors and another stunning fireplace. Beyond that is a spacous

    Brian Woolsey BHHS Hudson Valley Properties

    326 Mills Cross Rd, Staatsburg, NY 12580
  • /18

    $85,000

    $5K PRICE DROP
    • 2 Beds
    • 2 Baths
    • 980 Sq Ft

    1040 Violet Ave Unit Lot 36, Hyde Park, NY 12538

    Welcome to easy, comfortable living in this well maintained one-level home located in a peaceful and friendly 55+ community. This charming residence offers the perfect blend of comfort, convenience, and style.Step inside to find a bright and spacious floor plan with plenty of natural light, creating a warm and inviting atmosphere. The home features a large living room with alcove for

    Christopher Redahan Asset Property Realty Services

    1040 Violet Ave Unit Lot 36, Hyde Park, NY 12538
  • /47

    $599,999

    • 3 Beds
    • 2 Baths
    • 1,716 Sq Ft

    70 Barmore Rd, Lagrangeville, NY 12540

    Great Opportunity, to make this your homestead or weekend retreat to enjoy The Hudson Valley! This Quintessential Circa 1796 Farmhouse is located on a bucolic country road with idyllic views of horses and picket Fences. Enjoy the covered front porch and breathe in the peace and tranquility that this 10.80 acre parcel has to offer along with two large barns. Both barns have two stories with great

    LORIE KUPETZ Exit Realty Connections

    70 Barmore Rd, Lagrangeville, NY 12540
  • /8

    $3,495,000

    • Land
    • 234 Acres
    • $14,936 per Acre

    317 Skunks Misery Rd, Millerton, NY 12546

    Rarely does a property of this caliber become available. Spanning approximately 234 acres across two contiguous parcels (162 acres and 71.5 acres), this exceptional offering features productive hay and corn fields, rolling farmland, mature woodlands, and breathtaking long-range views of the Taconic Mountains and Catskills. Multiple elevated building sites provide the opportunity to create a

    Helen Murray William Pitt Sothebys Int Rlty

    317 Skunks Misery Rd, Millerton, NY 12546
  • /29

    $565,000

    $23K PRICE DROP
    • 2 Beds
    • 1.5 Baths
    • 1,336 Sq Ft

    618 Bean River Rd, Millerton, NY 12546

    2-4 Lot Subdivision, includes secluded 2BR/2BA RANCH w/2 large decks, all wood floors and wood siding + detached 2 car garage on 7+acres in Hamlet zone (possible subdivision into 2 lots) Plus adjoining 8 acre parcel. Adjoining 4 acre boha parcel can be added for $125,000. Great location between Pine Plains Village and Millerton on quiet road off Route 199. New well installed. Easy to show with

    David Birch Barns and Farms Realty LLC

    618 Bean River Rd, Millerton, NY 12546
  • /34

    $465,000

    $10K PRICE DROP
    • 2 Beds

    13 Saint Lukes Place, Beacon, NY 12508

    Opportunity awaits with this two-family home on a quiet lot in the heart of Beacon. Each unit offers 2 bedrooms, making it ideal as an income property, owner-occupied investment, or future single-family conversion. Conveniently located near Main Street, shopping, dining, and Metro-North. A rare chance to own an affordable property with plenty of potential in Beacon!

    Francesca Coletto Compass Greater NY, LLC

    13 Saint Lukes Place, Beacon, NY 12508
  • /46

    $770,000

    $25K PRICE DROP
    • 5 Beds
    • 3.5 Baths
    • 3,776 Sq Ft

    21 Vail Rd, Poughkeepsie, NY 12603

    One-level living at its finest! This sprawling ranch offers 5 bedrooms, 3.5 baths, and over 2 private acres in the Arlington School District. A circular driveway welcomes you to this spacious home designed for comfortable living and effortless entertaining. The sun-filled interior features an eat-in kitchen with abundant cabinetry, large windows throughout, and sliders leading to the beautifully

    John Gabriel Jr KW MidHudson

    21 Vail Rd, Poughkeepsie, NY 12603
  • /3

    $49,000

    • Land
    • 1 Acre
    • $49,000 per Acre

    0 Budd Ln Unit KEY1018006, North East, NY 12546

    Small level lot, convenient to Millerton NY on quiet dead end road with little traffic.

    David Birch Barns and Farms Realty LLC

    0 Budd Ln Unit KEY1018006, North East, NY 12546
  • /22

    $320,000

    • 1 Bed
    • 1.5 Baths
    • 1,044 Sq Ft

    49 Aveonis Ct, Fishkill, NY 12524

    Ready for a 55+ community? Well, here's your new home. Nothing to do but pack your bags and move in. The community is well maintained and provides a tranquil, quiet setting, while being close to all the amenities the Hudson Valley has to offer...shopping, gyms, entertainment, dining out, and historical sites a short drive away. Want to stay home? OK, you will be happy here in this beautifully

    Donna Tiffany EXIT REALTY CONNECTIONS

    49 Aveonis Ct, Fishkill, NY 12524
  • /24

    $570,000

    $25K PRICE DROP
    • 7 Beds

    109 Shenandoah Rd, Hopewell Junction, NY 12533

    Don't miss this unique multi-unit investment opportunity in a highly desirable location with convenient access to Interstate 84 and the Taconic State Parkway.The property features three separate living spaces, including a spacious two-bedroom main residence occupying the first and second floors, a one-bedroom basement apartment, and a detached two-bedroom cottage. The cottage is currently

    Anthony Hardisty Sams Realty

    109 Shenandoah Rd, Hopewell Junction, NY 12533
  • /40

    $599,000

    $26K PRICE DROP
    • 3 Beds
    • 2 Baths
    • 2,057 Sq Ft

    11 Kessler Dr, Hyde Park, NY 12538

    Nestled beside the historic estate of Franklin D. Roosevelt in Hyde Park, New York, lies a unique opportunity to own a piece of American history. The property boasts a freshly painted exterior, providing a clean and inviting look. Inside you will find beautiful hardwood floors and custom woodwork. Its private location ensures tranquility, while still offering convenient access to local amenities.

    KEVIN HOWE BHHS Hudson Valley Properties

    11 Kessler Dr, Hyde Park, NY 12538
  • /33

    $555,000

    • 4 Beds
    • 2.5 Baths
    • 1,846 Sq Ft

    30 Hudson Dr, Hyde Park, NY 12538

    Welcome to 30 Hudson Drive in Hyde Park, NY — a wonderful opportunity to own a home in a highly desirable neighborhood known for its peaceful setting, pride of ownership, and welcoming community atmosphere. From the moment you arrive, you’ll appreciate the beautiful curb appeal and meticulously maintained landscaping that surrounds this property, creating a warm and inviting first impression. The

    Thomas Klug HV Premier Properties Realty

    30 Hudson Dr, Hyde Park, NY 12538
  • /17

    $575,000

    • Land
    • 41.72 Acres
    • $13,782 per Acre

    513 Rossway Rd, Pleasant Valley, NY 12569

    Rare opportunity to own a truly special 41.7-acre parcel in the Town of LaGrange, ideally located just east of the Taconic State Parkway for an easy commute while enjoying the beauty and tranquility of the Hudson Valley. This exceptional property offers breathtaking sweeping mountain and vista views, over 360 feet of road frontage, and endless possibilities. Five large fields are currently being

    Nicole Porter Houlihan Lawrence Inc.

    513 Rossway Rd, Pleasant Valley, NY 12569
  • /43

    $899,000

    • 3 Beds
    • 2 Baths
    • 1,686 Sq Ft

    73 Lake Ellis Rd, Wingdale, NY 12594

    A rare opportunity for the dedicated equestrian, this beautiful gentleman’s farm is set on nearly 9 acres of gently rolling countryside, offering the ideal balance of privacy, usability and convenience. Whether you’re an active competitor, trail rider or simply seeking a peaceful horse property, this special offering provides the setting to pursue your passion.Perfect as a full-time residence

    Lonnie Lum Coldwell Banker Realty

    73 Lake Ellis Rd, Wingdale, NY 12594
  • /28

    $675,000

    • 6 Beds
    • 6 Baths
    • 3,744 Sq Ft

    67 Academy St, Poughkeepsie, NY 12601

    Four Family Multi Unit Building For Sale Consisting Of (3) Two Bedroom Apartments And (1) Studio. Property Hosts A Total Of Six Bedrooms And Six Full Bathrooms With Each Apt Having Its Own Individual Level As Well As Separate Utilities. Added Bonus: Two Apartments Feature Two Full Bathrooms The Convenience Of Being Inner City With Amenities Such As On The Bus Routes, Close To

    Agent Photo

    Joyce Stanton

    Century 21 Hudson Valley Rlty.

    67 Academy St, Poughkeepsie, NY 12601
  • /48

    $650,000

    • 5 Beds
    • 3 Baths
    • 2,936 Sq Ft

    133 N Smith Rd, Lagrangeville, NY 12540

    RARE FIND.......Tucked away on 1.23 private acres in desirable LaGrangeville, this beautifully maintained duplex offers the perfect blend of comfort, flexibility, and opportunity. Surrounded by mature trees and peaceful countryside, the property provides a private retreat while remaining conveniently located near the Taconic State Parkway, Routes 55 and 82, Millbrook Village, parks, dining, and

    Arleen Sepulveda KW Hudson Valley North

    133 N Smith Rd, Lagrangeville, NY 12540
  • /18

    $240,000

    $10K PRICE DROP
    • 2 Beds
    • 1.5 Baths
    • 1,000 Sq Ft

    2740 South Rd Unit A2, Poughkeepsie, NY 12601

    Welcome to Greenbriar Condominiums where this 2 bedroom condo is looking for you to call it home. This second floor end unit has a nice eat in kitchen with a balcony overlooking a courtyard where you can sip your favorite drink and get ready to start your day or relax. The big living room receives plenty of natural sunlight. Down the hall you will find the full bathroom and 2 bedrooms with a half

    JUSTIN BURPEE K. Fortuna Realty, Inc.

    2740 South Rd Unit A2, Poughkeepsie, NY 12601
  • /16

    $899,000

    • Land
    • 49.36 Acres
    • $18,213 per Acre

    0 Mallory Rd Unit KEY1016545, Union Vale, NY 12585

    Nearly 50 acres of enchanted woodland in the heart of Clove Valley, just minutes from the Village of Millbrook and within the Millbrook Central School District. Meandering trails wind through mature forest, past centuries-old stone walls and a picturesque pond, opening to sweeping countryside and distant Catskill views. A place of extraordinary beauty and complete privacy, where every season

    DOMINIQUE SHUMINOV William Pitt Sothebys Int Rlty

    0 Mallory Rd Unit KEY1016545, Union Vale, NY 12585
  • /29

    $595,000

    • 4 Beds
    • 2 Baths
    • 2,464 Sq Ft

    5 Millbank Rd, Poughkeepsie, NY 12603

    Huge 4 bedroom, 2 bathroom Spackenkill raised ranch situated on beautiful park-like property. Large living room w/fireplace, which flows seamlessly to dining room and screened in porch overlooking the expansive backyard. Four well proportioned bedrooms and two full bathrooms on main level. Lower level family room and laundry room. New boiler & oil tank, newer roof & windows. Enjoy the

    Dan Axtmann BHHS Hudson Valley Properties

    5 Millbank Rd, Poughkeepsie, NY 12603

Showing Results 601 - 640, Page 16 of 18

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