657

Homes for Sale near Ocean Academy Charter School

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  • /14

    $375,000

    • 2 Beds
    • 2 Baths

    12 Maidstone Way, Manchester, NJ 08759

    Bright, Sunny, Beautiful Home. Fully Renovated with New Roof, New Appliances. Bonus Room with French Doors and an Enclosed Porch. Close to Clubhouse for convenience.

    Gina Tempera Crossroads Realty Manchester

    12 Maidstone Way, Manchester, NJ 08759
  • /24

    $549,000

    • 5 Beds
    • 2 Baths
    • 1,872 Sq Ft

    21 Nathan Ave, Manchester, NJ 08759

    Stunning fully renovated bilevel home in Manchester, NJ! This spacious 5-bedroom, 2-bathroom gem features modern finishes throughout, including a sleek kitchen with new appliances, stylish bathrooms, and fresh flooring. Large living spaces, plenty of natural light, and a private backyard make this home perfect for family living. Move-in ready and waiting for you!

    Michael Mizrahi Weichert Realtors

    21 Nathan Ave, Manchester, NJ 08759
  • /16

    $267,500 Open Sun 12PM - 3PM

    • 2 Beds
    • 2 Baths
    • 1,474 Sq Ft

    1130 Thornbury Ln Unit B, Manchester, NJ 08759

    Welcome to your perfect retirement retreat! This spacious and thoughtfully designed 2-bedroom, 2-bathroom unit offers the ideal balance of comfort, privacy, and convenience. Beautiful Kitchen with all new appliances. Located within a vibrant, amenity-filled active adult community, this home is a wonderful place to relax and enjoy your golden years. Located in a convenient, peaceful 55+

    Daniel Worth Diane Turton, Realtors-Wall

    1130 Thornbury Ln Unit B, Manchester, NJ 08759
  • /5

    $295,000

    • Land
    • 0.28 Acre
    • $1,053,571 per Acre

    000 River Ave Unit Block 1136 Lot 8, Lakewood, NJ 08701

    River Avenue Map D, Block 1136, Lot 8 (R-10A). Lot size is 120 x 100. Vacant land in one of the last undeveloped areas of Lakewood. Close to schools and major roads. Near Oak Street, Albert Avenue, and Vermont Avenue. Please note - Currently, there is NO well and NO septic onsite. There are also NO roads and NO utilities to the site. As indicated throughout this listing, the property is a

    Christopher Carr HomeZu

    000 River Ave Unit Block 1136 Lot 8, Lakewood, NJ 08701
  • /23

    $95,000

    • 1 Bed
    • 1 Bath
    • 970 Sq Ft

    17A Dove St Unit A, Manchester, NJ 08759

    Updated co-op in 55+ Cedar Glen West community in Manchester NJ. Freshly painted, newer windows, Central Air, shaker style cabinets with crown molding, newer counter and backsplash, and beautiful hardwood flooring. A new furnace and hot water heater have been installed by the HOA, as was a new Timberline roof. Great maintenance program includes taxes, water, sewer, outside repairs and snow

    Linda Miotto Crossroads Realty Manchester

    17A Dove St Unit A, Manchester, NJ 08759
  • /48

    $235,000

    • 2 Beds
    • 2 Baths
    • 986 Sq Ft

    70 Dorchester Dr, Lakewood Township, NJ 08701

    Renovated charming 2 Br 2 Full Bath ranch in a scenic Adult (55+) Leisure Village. This excellent location is close to beaches, shopping, and county parks. It is centrally located between New York City, Atlantic City, and Philadelphia. Amenities include a clubhouse, two outdoor pools, fitness center, 7 Lakes w/marina, boating & fishing, Golf Course. Features Brand New beautiful kitchen, granite

    Albina Vityuk Absolute Homes Realty, LLC

    70 Dorchester Dr, Lakewood Township, NJ 08701
  • /6

    $890,000

    • 2 Beds
    • 1 Bath
    • 888 Sq Ft

    10 Cedar St, Lakewood, NJ 08701

    GREAT OPPORTUNITY ALERT!Excellent location in the desirable Pine Street area!Tremendous potential awaits! Build your DREAM HOME on this beautiful 50x150 lot!PLUS, instant cash flow with CURRENT TENANTS paying top dollar rent!Schedule a showing TODAY!

    Elky Weingarten Blue Key Realty, LLC

    10 Cedar St, Lakewood, NJ 08701
  • /29

    $559,000

    • 2 Beds
    • 2 Baths
    • 1,647 Sq Ft

    107 Eagle Ridge Cir, Lakewood, NJ 08701

    Pride in original ownership at its finest! 2 large bedrooms, a bonus room great for a formal dining room or office and 2 full bathrooms. Beautiful open living concept connected to an amazing bright and airy kitchen. This home is less than 8 years young and it shows. Beautiful finishes and clever upgrades truly set this home apart. Situated on a corner lot with beautiful outdoor space featuring

    Francis Esposito Weichert Realtors-Brick

    107 Eagle Ridge Cir, Lakewood, NJ 08701
  • /28

    $268,000

    • 2 Beds
    • 2 Baths
    • 1,243 Sq Ft

    490B New Castle Ct, Manchester, NJ 08759

    Welcome to this well kept 2 bedroom, 2 bath Stratford mode home in Leisure Village West, a gated active adult community offering fantastic amenities and vibrant lifestyle. This charming home features an updated kitchen with modern finishes and a newer central air system. The bright and airy sunroom provides an ideal space to relax and unwind. A laundry room adds to the home's practicality.

    Kyran Libot Weichert Realtors-Forked River

    490B New Castle Ct, Manchester, NJ 08759
  • /26

    $98,000

    • 1 Bed
    • 1 Bath
    • 970 Sq Ft

    9 C Dove St Unit C, Manchester Township, NJ 08759

    This Beautiful Home in Cedar Glen West a Vibrant 55+ Co-Op Community! 1 Bedroom 1 Bath with Gas Cooking, Gas Heat and Central A/C. Gleaming Hardwood Floors throughout, Freshly Painted Walls, Newer Front Door and Beautiful Full Glass Storm Door. The Covered Porch provides a perfect spot to relax and enjoy the tranquil surroundings. The back unit offers additional privacy and Beautiful landscaping.

    Eleanor Krauss Crossroads Realty Manchester

    9 C Dove St Unit C, Manchester Township, NJ 08759
  • /76

    $369,000

    • 2 Beds
    • 2 Baths
    • 1,551 Sq Ft

    34 Wycombe Way, Lakehurst, NJ 08759

    PRICE IMPROVED!!! Come see this STUNNING,WELL MAINTAINED 1551 SQ FT. WESTPORT MODEL W/ DEN!! Features Woodburning FIREPLACE in LR, OPEN FRONT PORCH, 2BR, 2 NEWER BATHS,NEWER DOUBLE HUNG INSULATED WINDOWS THROUGHOUT! SLIDING GLASS DOORS OFF DINING ROOM LEADING TO COZY ENCLOSED SIDE SCREENED IN PORCH.UPDATED, EIK QUARTZ COUNTERTOPS,SS APPLIANCES SIDE ENTRANCE TO PATIO.BRIGHT & AIRY DEN OFF KITCHEN

    Janice Cummiskey Better Homes and Gardens Real Estate Murphy & Co

    34 Wycombe Way, Lakehurst, NJ 08759
  • /6

    $375,000

    • 2 Beds
    • 2 Baths
    • 1,456 Sq Ft

    2606 Meadow Lake Dr, Toms River, NJ 08755

    Bring your rennovation ideas to this cute Ashford model located within the fantastic Lakeridge 55+ community. With 2 bedrooms, 2 bathrooms and a spacious interior of 1,456 sq.ft., this property offers comfortable living space for its residents, plus a charming 3 season sunroom. Solid house just waiting for your updates, this is a great opportunity for someone looking to revamp and remodel.

    Ronnie Glomb Your Town Realty

    2606 Meadow Lake Dr, Toms River, NJ 08755
  • /35

    $141,900

    • 1 Bed
    • 1 Bath
    • 970 Sq Ft

    12 A Robin St Unit A, Manchester Township, NJ 08759

    This Stunning Updated 1 Bedroom Co-Op in Serene Cedar Glen West is a must-see home. This home has all the upgrades you could want. The Kitchen has a double gas oven, beautiful cabinets with an abundance of storage, Bonus beverage fridge, and Tile floors. The Bedroom has custom built closets with every detail thought out perfectly. The bathroom has a shower stall with glass doors and gorgeous tile

    Eleanor Krauss Crossroads Realty Manchester

    12 A Robin St Unit A, Manchester Township, NJ 08759
  • /19

    $749,000

    • 2 Beds
    • 1 Bath
    • 863 Sq Ft

    781 River Ave, Lakewood, NJ 08701

    Located on highly desirable Route 9, this property offers excellent frontage and visibility. The ranch home features a cozy layout with an unfinished basement, ready for your personal touch. In the back, you'll find a detached garage beautifully converted into a studio space—perfect for creative projects, a home office, or rental income. With its income potential, flexible layout, and prime

    Joshua Spiegel Imperial Real Estate Agency

    781 River Ave, Lakewood, NJ 08701
  • /76

    $1,495,000

    • 5 Beds
    • 3.5 Baths
    • 3,067 Sq Ft

    1818 Rolling Ridge Ln, Toms River, NJ 08755

    Nestled in the serene North Dover section of Toms River, this exquisite home sits on over two acres of lush, well-maintained property. The house itself spans 4,000 square feet, boasting a completely remodeled kitchen that features stunning granite countertops and a striking waterfall center island, perfect for culinary enthusiasts and entertainers alike.Upon entering, you are greeted by

    Shalom Ohayon Blue Key Realty, LLC

    1818 Rolling Ridge Ln, Toms River, NJ 08755
  • /32

    $96,900

    • 2 Beds
    • 1 Bath

    7 Walnut St Unit C, Toms River, NJ 08757

    Welcome to Cedar Glen Homes. This active adult community is one of Ocean County's most affordable places to live as well as being a well maintained Community. Perfect for Year Round or Snow Bird Living; your choice ! This home features 2 Bedrooms, 1 Bath, spacious Living Room, Eat In Kitchen and Sunroom/Porch which can be used as an office, or just relax and enjoy your morning coffee, thermal

    Maria Matarazzo C21/ Solid Gold Realty

    7 Walnut St Unit C, Toms River, NJ 08757
  • /25

    $674,900

    • 3 Beds
    • 3 Baths
    • 2,717 Sq Ft

    66 Crooked Stick Rd, Jackson, NJ 08527

    This lovely home in Westlake Adult community. San Remo model with loft. 3 bedrooms 3 bathrooms, a spacious home layout, and modern amenities. Central vacuum. Beautiful, heated tile floor throughout Ideal for those seeking a comfortable and luxurious living space.Turnkey home. Best view of golf course. Beautiful patio!!!

    Eva Marie Gorham Weichert Realtors-Freehold

    66 Crooked Stick Rd, Jackson, NJ 08527
  • /2

    $3,300,000

    • Land
    • 2.60 Acres
    • $1,269,231 per Acre

    419 Joe Parker Rd, Lakewood, NJ 08701

    2.6 Acres - 419 Joe Parker Rd, 301 Joe Parker Rd, 295 Joe Parker Rd - Being Sold Together. Conceptual ideas for schools attached.

    Israel Silber HomeSmart First Advantage

    419 Joe Parker Rd, Lakewood, NJ 08701
  • /2

    $3,300,000

    • 1,667 Sq Ft

    295 Joe Parker Rd, Lakewood, NJ 08701

    2.6 Acres - 295 Joe Parker Rd, 301 Joe Parker Rd, 419 Joe Parker Rd - Being Sold Together. Conceptual ideas for schools attached.

    Israel Silber HomeSmart First Advantage

    295 Joe Parker Rd, Lakewood, NJ 08701
  • /41

    $1,349,000

    • 8 Beds
    • 5.5 Baths

    39 Manetta Place, Lakewood, NJ 08701

    Dreaming about new construction in the heart of town here is your opportunity! Stunning single family home built by Dubin builders at the end of the cul-de-sac. Impressive front with partial stone front and wrought iron handrail. Gorgeous foyer with large ceramic tiling and oak handrail leading to 2nd floor. Extra wide dining room with sparkling hardwood flooring and many spotlights! Enticing

    Moses Levy HomeSmart First Advantage

    39 Manetta Place, Lakewood, NJ 08701
  • /39

    $795,000

    • 4 Beds
    • 2.5 Baths
    • 2,508 Sq Ft

    451 Brewers Bridge Rd, Jackson, NJ 08527

    Nestled on 2 private acres, this 4-bedroom, 2.5-bath home offers serene living with modern conveniences. Set back from the road with a circular driveway, it features a warm and inviting interior with a spacious living room, an updated kitchen with modern appliances, and a cozy family room. The upper level includes a tranquil primary suite with an en-suite bath and three additional generously

    Danielle Arena C21/ Action Plus Realty

    451 Brewers Bridge Rd, Jackson, NJ 08527
  • /55

    $950,000

    • 4 Beds
    • 3.5 Baths

    1601 Thames Way, Toms River, NJ 08755

    Welcome to one of the hottest neighborhoods of Eagles Nest located in the highly desirable North Dover section of Toms River. With over $50k of improvements, this corner lot home offers everything and more that you are looking for. Interior: 4br/2.5bth, 2 car garage, hardwood throughout first floor, custom molding stunning &spacious kitchen w/sliders to the backyard/pool and open floor plan to

    Efraim Feder Imperial Real Estate Agency

    1601 Thames Way, Toms River, NJ 08755
  • /4

    $3,999,999

    • Land
    • 1.83 Acres
    • $2,185,792 per Acre

    1111 Vine Ave, Lakewood, NJ 08701

    2.4-Acre Development Opportunity - Ideal for School or Daycare. This spacious 2.4-acre lot is approved for up to 51,675 sq ft of school or daycare construction. Located in a thriving area, it's perfect for creating a modern educational facility with classrooms, play areas, and ample parking. Utilities are available at the street for easy development. Whether for a private school, daycare, or

    Joshua Spiegel Imperial Real Estate Agency

    1111 Vine Ave, Lakewood, NJ 08701
  • /14

    $1,299,000

    • 6 Beds
    • 3 Baths
    • 3,126 Sq Ft

    907 Park Terrace, Lakewood, NJ 08701

    VERY RARE FIND - PRIME LOCATION IN LAKEWOOD!Come see this spacious 6-bedroom home with abundant living space. The house is currently over 3,100 sq. ft., PLUS it has an additional unfinished oversizedwalk-up attic, large enough for 3 bedrooms and a full bath. Includes a full Pesach kitchen and ample storage. All this, situated on a serene, magnificentoversized lot (backing to the woods) on a quiet

    David Holtz Four Points Realty

    907 Park Terrace, Lakewood, NJ 08701
  • /41

    $1,274,900

    • 5 Beds
    • 2.5 Baths
    • 3,090 Sq Ft

    233 Medjay Ln, Toms River, NJ 08755

    Welcome to 233 Medjay Lane, an exquisite, custom-built home nestled on over an acre, on a serene cul-de-sac, backing to Riverwood Park's beautiful greenery. This 5-bedroom home boasts oak hardwood floors throughout, highlighted by intricate herringbone designs in the front rooms. Enter through the stunning front door into an elegant foyer filled with natural light. The spacious, modern kitchen

    Blimi Meisels Imperial Real Estate Agency

    233 Medjay Ln, Toms River, NJ 08755
  • /71

    $1,725,000

    • 6 Beds
    • 3.5 Baths
    • 4,476 Sq Ft

    1021 Bal Harbor Dr, Toms River, NJ 08755

    Welcome to The Baron Model. A luxurious home to be built in the prestigious new Palm Estates development in North Dover. Estimated delivery Summer/Fall 2025. This stunning residence will boast a modern front exterior featuring clad & stucco, striking black windows with no-maintenance siding, fascia, and soffits. The property will be landscaped, including sod, a sprinkler system for both the front

    Isaac Nussbaum Real Broker, LLC- Toms River

    1021 Bal Harbor Dr, Toms River, NJ 08755
  • /35

    $650,000

    • 5 Beds
    • 2 Baths
    • 1,719 Sq Ft

    314 Ashford Rd, Toms River, NJ 08755

    Welcome to 314 Ashford in Weatherly Park neighborhood. This 4-Bedroom, 2-Bathroom home offers a delightful living space with a spacious living room, dining room, and a cozy family room, perfect for relaxation and gatherings. From the dining room, step out onto the deck that overlooks the nice backyard, providing an excellent spot for outdoor entertaining. Upstairs 2 bedrooms provide

    Yaniv Waknin Keller Williams Realty Monmouth/Ocean

    314 Ashford Rd, Toms River, NJ 08755
  • /30

    $125,000

    • 1 Bed
    • 1 Bath
    • 970 Sq Ft

    2 Heron St Unit D, Manchester Township, NJ 08759

    Updated 1 BR 1 BA Co-op in the 55+ community of Cedar Glen West. Great location with lots of privacy. Featuring a freshly painted interior, updated kitchen and bathroom, new windows, & new doors Cedar Glen West has a monthly maintenance fee that includes taxes, snow removal, HWH, Furnace & roof repair or replacement, amenities, water/trash and more. Nestled in Manchester in Ocean County and

    Linda Miotto Crossroads Realty Manchester

    2 Heron St Unit D, Manchester Township, NJ 08759
  • /2

    $799,000

    • Land

    00 Hope Chapel Rd, Lakewood, NJ 08701

    Capitalize on this rare opportunity to own one of these 6 premium lots: Lot #14.07, #14.08, #14.09, #14.10, and #14.11, located in a peaceful cul-de-sac, each ranging from 15,000 to 20,000 sq. ft., nestled in one of central Lakewood's most sought-after neighborhoods. Situated near Hope Hill, Cleartream, and Tori Ct, this area offers both convenience and exclusivity. These spacious lots provide

    Yosef Jankelovits Imperial Real Estate Agency

    00 Hope Chapel Rd, Lakewood, NJ 08701
  • /111

    $1,299,000

    • 4 Beds
    • 4.5 Baths
    • 3,921 Sq Ft

    2218 Longest Dr, Toms River, NJ 08755

    Spectacular colonial home features 4 bedrooms 3.5 baths, beautiful kitchen with white wood cabinetry, center island, granite countertops and breakfast area hardwood floors throughout living room and formal dining room. Breathtaking two story family room with stone surround fireplace and full wall windows. Mater bedroom with double walk in closet and separate sitting nook area. Relaxing master

    Efraim Feder Imperial Real Estate Agency

    2218 Longest Dr, Toms River, NJ 08755
  • /71

    $1,875,000

    • 6 Beds
    • 3.5 Baths
    • 4,476 Sq Ft

    1013 Bal Harbor Dr, Toms River, NJ 08755

    Welcome to The Baron Model + Pool Included. A luxurious home to be built in the prestigious new Palm Estates development in North Dover. Estimated delivery Summer/Fall 2025. This stunning residence will boast a modern front exterior featuring clad & stucco, striking black windows with no-maintenance siding, fascia, and soffits. The property will be landscaped, including sod, a sprinkler system

    Isaac Nussbaum Real Broker, LLC- Toms River

    1013 Bal Harbor Dr, Toms River, NJ 08755
  • /10

    $995,000

    • 4 Beds
    • 2.5 Baths
    • 2,092 Sq Ft

    38 Roselle Ct, Lakewood, NJ 08701

    Lovely 1/4 of an acre property on cul-de-sac. Value is primarily in the land. 3 bedroom, 1.5 bath bi-level home in need of TLC. Hardwood flooring. Newer boiler and brand new air conditioning. Public water and public sewer. Sale is subject to seller's firm relocation. Photos/lawn are enhanced.

    Blima Goldberger Waxman Realty

    38 Roselle Ct, Lakewood, NJ 08701
  • /35

    $985,000

    • 3 Beds
    • 2 Baths
    • 1,775 Sq Ft

    598 Basso St, Jackson, NJ 08527

    Discover serenity in this stunning 1.48-acre estate near the Jackson Trails Development. Nestled in a park-like setting, this beautiful home features an inground saltwater pool with a cascading waterfall, perfect for relaxation. The property boasts a full finished basement, providing ample space for entertainment or hobbies. Recent updates include a luxurious primary bathroom. Located adjacent to

    Matthew Conde C21/ Action Plus Realty

    598 Basso St, Jackson, NJ 08527
  • /17

    $800,000

    • Land
    • 1.24 Acres
    • $645,161 per Acre

    2013 Coconut Grove Ct, Toms River, NJ 08755

    Choose your Lot, choose a Model & Bring your Builder | Modern Luxury, Engineered to Endure - Welcome to Palm Estates, Toms Rivers Newest Luxury Development in the heart of North Dover. Crafted by the award-winning HHDESIGNERS, Palm Estates is a prime location for everything you need & want. Begin by selecting from 18 exclusive lots (ranging from .554 AC-1.635 AC) available in the serene Palm

    Isaac Nussbaum Real Broker, LLC- Toms River

    2013 Coconut Grove Ct, Toms River, NJ 08755
  • /17

    $625,000

    • Land
    • 0.55 Acre
    • $1,136,364 per Acre

    1022 Bal Harbor Dr, Toms River, NJ 08755

    Choose your Lot, choose a Model & Bring your Builder | Modern Luxury, Engineered to Endure - Welcome to Palm Estates, Toms Rivers Newest Luxury Development in the heart of North Dover. Crafted by the award-winning HHDESIGNERS, Palm Estates is a prime location for everything you need & want. Begin by selecting from 18 exclusive lots (ranging from .554 AC-1.635 AC) available in the serene Palm

    Isaac Nussbaum Real Broker, LLC- Toms River

    1022 Bal Harbor Dr, Toms River, NJ 08755
  • /82

    $1,589,000

    • 5 Beds
    • 4.5 Baths
    • 3,820 Sq Ft

    65 Chicanos Dr, Lakewood, NJ 08701

    Rare find! Well-kept, immaculate, move-in condition expanded, colonial home with newer roof. Featuring, 3,800+ sq. ft with 5 bedrooms, 3.5 baths + full finished basement with playroom, 2 additional rooms and a full bathroom. HW flooring in foyer, LR, DR, and study. Plenty of spotlights. Bright and airy, large, EIK with center island; abundant counters and cabinets and doors to additional kitchen.

    Blima Goldberger Waxman Realty

    65 Chicanos Dr, Lakewood, NJ 08701
  • /45

    $1,650,000

    • 5 Beds
    • 3.5 Baths

    140 Newington Ln, Toms River, NJ 08755

    Immaculate, North Dover colonial that offers 3510sqft of living space on top two levels plus a full, 878 fully finished, walkout, basement with kitchen, full bath, storage. Two story foyer and family room viewed by 2nd floor bridge. Walk out of the basement through a double french door to the back yard that offers privacy of a wooded conservation area, beautiful Inground pool, paver stepped

    Blimi Meisels Imperial Real Estate Agency

    140 Newington Ln, Toms River, NJ 08755
  • /2

    $380,000

    • Land
    • 0.68 Acre
    • $558,824 per Acre

    413 B Lake Shore Dr, Brick Township, NJ 08723

    .68 Acre Waterfront Lot on Lake Riviera - A Rare Opportunity! Make the most of your custom home design on this exceptional .68-acre waterfront property, perfectly positioned on one of the wider sections of scenic Lake Riviera. With an impressive 83 feet of street frontage extending approximately 230 feet before narrowing near the shoreline, this lot spans a total depth of 508 feet — offering both

    Dawn White Diane Turton, Realtors-Wall

    413 B Lake Shore Dr, Brick Township, NJ 08723
  • /2

    $175,000

    • 2 Beds
    • 1 Bath
    • 928 Sq Ft

    76 Dorchester Dr, Lakewood Township, NJ 08701

    Leisure Village Marlboro model. The open floor plan is a standout feature, creating a seamless flow between the living, dining, and kitchen areas. Including a washer, dryer, stove, and refrigerator provides excellent convenience. The 12x12 ceramic tile flooring throughout the home is visually appealing, highly durable, and easy to maintain. One of the highlights of this lovely home is the light

    Lawrence McCown Keller Williams Realty Monmouth/Ocean

    76 Dorchester Dr, Lakewood Township, NJ 08701
  • /2

    $279,000 Open Sun 12PM - 2PM

    • 2 Beds
    • 1 Bath

    636A Devonshire Ln Unit 636A, Manchester, NJ 08759

    Be prepared to be ''wowed''!! Beautifully renovated 2 bedroom condo on a quiet cul de sac. A fully remodeled kitchen boasting brand new cabinetry, crown molding, granite counters, stainless steel appliances ideal for daily living & entertaining. New flooring throughout and modern paint colors. Spacious living and dining room. Outside has a private patio & a welcoming front porch for greeting

    Kari McGuiness Crossroads Realty Ocean Cty Regional Office

    636A Devonshire Ln Unit 636A, Manchester, NJ 08759

Showing Results 561 - 600, Page 15 of 17

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