3,849

Waterfront Homes for Sale in Massachusetts

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  • /20

    $915,000

    • 1 Bed
    • 1 Bath
    • 795 Sq Ft

    100 Lovejoy Wharf Unit 5H, Boston, MA 02114

    Welcome to Lovejoy Wharf - located at the intersection of the Waterfront, North End and West End. With millions of new square feet recently constructed around this site, there has never been a better time to enjoy the nightlife and entertainment experiences. This Related Beal, boutique-style, condo building enjoys best-in-class professional management, 24 hr concierge and has a full suite of

    Paul Whaley Coldwell Banker Realty - Boston

    100 Lovejoy Wharf Unit 5H, Boston, MA 02114
  • /37

    $650,000

    • 2 Beds
    • 1 Bath
    • 1,200 Sq Ft

    1 Essex Way, Yarmouth Port, MA 02675

    Experience convenient single-level living in this cozy ranch-style home, ideally located in Yarmouth Port just off scenic Route 6A. This inviting property features beautifully maintained hardwood floors, elegant French doors, and a flowing layout that enhances both comfort and functionality. A bright sunroom with charming beamed ceilings offers the perfect space to relax and unwind, while the

    Kristen Corcoran Coldwell Banker Realty - Leominster

    1 Essex Way, Yarmouth Port, MA 02675
  • /42

    $429,000

    • 2 Beds
    • 2 Baths
    • 1,166 Sq Ft

    175 Cottage St Unit 501, Chelsea, MA 02150

    Welcome to Millcreek Condominiums, This 2 Bedroom 2 Bathroom corner unit is ready for immediate occupancy. This home features new vinyl flooring, freshly painted walls ceilings and trim, new light fixtures, sliders that lead to a balcony. walk in closets and in unit laundry. This is a gated community with on site management, there is a gym and locker rooms with saunas, this property is just mins

    Ann Marie Wilcox Berkshire Hathaway HomeServices Commonwealth Real Estate

    175 Cottage St Unit 501, Chelsea, MA 02150
  • /36

    $949,000

    • 4 Beds
    • 2.5 Baths
    • 2,536 Sq Ft

    2 Baron Way, Littleton, MA 01460

    Nestled off Spectacle Pond Rd,stroll to the scenic "Spectacle Pond"or to the tranquil trails of "Whitetail Woods".This classic Saltbox Colonial style home sits in a setting blending beautifully with its natural surroundings-ideal for the outdoor enthusiasts to enjoy nature's beauty. With 4 beds, 2.5 baths, encompassing over 2500 sq ft, you'll have flexibility of formal entertaining AND casual

    Patricia Lee ERA Key Realty Services

    2 Baron Way, Littleton, MA 01460
  • /32

    $2,700,000

    • 4 Beds
    • 5.5 Baths
    • 5,393 Sq Ft

    95 Black Rock Dr Unit 95, Hingham, MA 02043

    Tucked within the prestigious Black Rock Country Club, this rare final-phase 4-bedroom home blends luxury and comfort throughout. Expertly curated landscaping welcomes you, setting the stage for this remarkable home. Inside, hardwood flooring and abundant natural light flow across the open-concept main level. Soaring ceilings, a gas fireplace, and custom built-ins bring charm and warmth. The

    Suzanne Troyer Compass

    95 Black Rock Dr Unit 95, Hingham, MA 02043
  • /10

    $995,000

    • 4 Beds
    • 3 Baths
    • 2,370 Sq Ft

    19 Harvest Ln, Hingham, MA 02043

    Lovely 2,370 sq ft home with open foyer, high ceilings, hardwood floors and abundant natural light. The oversized living room with fireplace flows into a formal dining room. Adjacent to the large kitchen is a bright spacious family room with a fireplace. The kitchen slider opens to a screened porch overlooking the in-ground pool, deck and private yard. The lower level includes a full bath,

    Darin Thompson Stuart St James, Inc.

    19 Harvest Ln, Hingham, MA 02043
  • /36

    $979,900

    • 4 Beds
    • 2.5 Baths
    • 2,683 Sq Ft

    65 Oakmont Rd, Yarmouth Port, MA 02675

    Nestled at 65 Oakmont Rd, Barnstable, MA, this inviting single-family residence in Barnstable County offers a wonderful opportunity to embrace comfortable living in a ready-to-move-in condition. The living room is a focal point of relaxation, featuring a fireplace that promises warmth and ambiance, complemented by elegant crown molding that adds a touch of sophistication to the space. Imagine

    Gerald Coughlan Kinlin Grover Compass

    65 Oakmont Rd, Yarmouth Port, MA 02675
  • /37

    $419,000

    • 2 Beds
    • 1 Bath
    • 1,080 Sq Ft

    41 Bridgeport St, Worcester, MA 01604

    Buyers can receive up to 3% cashback when they buy this mint-condition, beautifully updated home that offers sunny southern exposure & a level fenced yard with two decks, perfectly set on a quiet residential dead-end street. The updated, fully equipped eat-in kitchen features quartz countertops, stylish cabinetry, SS appliances, recessed lighting, & a walk-in pantry. The updated full bath

    Consumers Best Choice Team Keller Williams Pinnacle MetroWest

    41 Bridgeport St, Worcester, MA 01604
  • /40

    $975,000

    • 3 Beds
    • 3.5 Baths
    • 2,553 Sq Ft

    57 Fairhaven Ln, Marstons Mills, MA 02648

    Privacy and serenity define this center entrance Colonial set on a level lot abutting acres of conservation land. Hardwood floors and fresh paint throughout, plus a newly finished lower level, enhance this 3 bed, 3.5 bath home. The open-concept first floor features a living room with new gas fireplace flowing to the dining area and a gorgeous kitchen with updated appliances, lighting, and new

    Douglas Nahigian Douglas Elliman Real Estate - Wellesley

    57 Fairhaven Ln, Marstons Mills, MA 02648
  • /31

    $1,429,000

    • 3 Beds
    • 2 Baths
    • 1,505 Sq Ft

    33 A St Unit 404, Boston, MA 02127

    INTRODUCING SOUTH BOSTON’S NEWEST BOUTIQUE BUILDING OFFERING A COLLECTION OF 2 & 3 BEDROOM ELITE RESIDENCES W/ GARAGE PARKING. RESIDENCE 404 PRESENTS AN EXPANSIVE OPEN FLOOR-PLAN W/ REFINED FINISHES FEATURING 3 BEDROOMS + LARGE OFFICE THAT COULD BE USED AS A 4TH BEDROOM. CUSTOM 2 TONE CABINETRY W/ OVERSIZED ISLANDS, STAINLESS STEEL APPLIANCES INCLUDING PANELED REFRIGERATOR AND QUARTZ COUNTERTOPS.

    Joyce Lebedew Joyce Lebedew Real Estate

    33 A St Unit 404, Boston, MA 02127
  • /38

    $699,000

    • 3 Beds
    • 2 Baths
    • 1,561 Sq Ft

    99 Route 130, Forestdale, MA 02644

    Ready to sell, just reduced! Years of cherished memories have been made at this special property and now it's ready for new beginnings. Set on 1.37 acres of beautifully manicured lawn and gardens, this unique home offers incredible potential. The property includes two separate spaces, two-bedroom, one-bath apartment and the second floor 1 bedroom 1 bathroom accessory apartment ideal for

    Victoria Harrison Farr Sotheby's International Realty - Sandwich Brokerage

    99 Route 130, Forestdale, MA 02644
  • /8

    $299,000

    • 2 Beds
    • 1 Bath
    • 706 Sq Ft

    3 Bridgeview Cir Unit 53, Tyngsboro, MA 01879

    Quiet Riverfront Condo tucked away from Route 3A yet close to the Nashua line and stores, restaurants and entertainment including The Nash Casino, Pheasant Lane Mall and much more.Recent updates to unit include a heat Pump, hot water heater and dishwasher

    Kris Lippi Get Listed Realty, LLC

    3 Bridgeview Cir Unit 53, Tyngsboro, MA 01879
  • /35

    $2,795,000

    • 19 Beds
    • 28 Baths
    • 11,744 Sq Ft

    126 Massachusetts 28, Harwich, MA 02671

    The property is situated on over 2.22 acres of waterfront property overlooking The Herring River. The site has two landing areas, with dockage potential, where easy access to Nantucket Sound can be found by traveling south on the river to open waters of The Sound via Kayak, Paddle Board, Canoe or the like. The land is improved by four buildings with 11,900 SF. The main building is 7,922 square

    Chris Manning William Raveis Real Estate & Homes Services

    126 Massachusetts 28, Harwich, MA 02671
  • /26

    $2,975,000

    • 4 Beds
    • 5 Baths
    • 3,427 Sq Ft

    269-271 Commercial St, Provincetown, MA 2657

    A rare chance to own a waterfront address in Provincetown's busiest district. This offering brings together the well known Tin Pan Alley restaurant business and a harborfront building of 3,427 sq. ft. on a 3,255 sq. ft. lot. The street level is home to a well-equipped dining venue with a bar, entertainment space, and a commercial kitchen. Above, two floors provide a four-bedroom residence with

    Isi Georgiev Gibson Sotheby's International Realty

    269-271 Commercial St, Provincetown, MA 2657
  • /30

    $1,595,000

    • 5 Beds
    • 3 Baths
    • 1,810 Sq Ft

    22 Old Lighthouse Rd, Vineyard Haven, MA 02568

    Located in a quiet enclave off Main Street, Vineyard Haven and just a half-mile to the vibrant restaurant and shopping scene in the village, and even closer to the library, Owen Little Beach, and Yacht Club. Thoughtfully designed across three finished levels featuring hardwood floors, a cozy fireplace, and a seamless layout, the home is ideal for entertaining. The design is casual but practical,

    Jessie Holtham Wallace & Co. Sotheby's International Realty

    22 Old Lighthouse Rd, Vineyard Haven, MA 02568
  • /41

    $698,000

    • 4 Beds
    • 3.5 Baths
    • 2,583 Sq Ft

    7 Nipmuck Dr, Webster, MA 01570

    Welcome to 7 Nipmuck Dr! Stunning 4-bedroom, 3.5-bath home in one of Webster’s most desirable neighborhoods. Expanded with a custom 1,200 sq. ft. addition, this property offers exceptional space & style. Completely renovated by an acclaimed interior designer, every room feels magazine-worthy—featuring curated finishes, elegant lighting, and a beautifully flowing layout. The gourmet kitchen,

    andrea castinetti Castinetti Realty Group

    7 Nipmuck Dr, Webster, MA 01570
  • /17

    $616,000

    • 2 Beds
    • 2.5 Baths
    • 1,250 Sq Ft

    272 Lincoln St Unit 302, Marlborough, MA 01752

    Acquire fully furnished, move-in-ready condos in Marlborough's newest community—built for immediate rental income. Modern open-concept layouts feature oversized windows, wide-plank wood flooring, quartz kitchen countertops, stainless steel appliances, and peninsula seating. Spacious bedrooms, stylish baths, in-unit laundry, central air, and a private balcony check every box tenants demand. Each

    Crystal Paolini Coldwell Banker Realty - Newton

    272 Lincoln St Unit 302, Marlborough, MA 01752
  • /12

    $919,000 New Construction

    • 3 Beds
    • 2.5 Baths
    • 2,018 Sq Ft

    7 Tadpole Way, Plymouth, MA 02360

    Redbrook’s New Neighborhood - The Preserve on the Agawam - Reserve your beautiful single level home designed and built by South Shore premier Bulder EJ Pontiff. Relax in a peaceful setting surrounded by conservation land along the Agawam River. This White Oak home features an expansive cathedral ceiling great room with spacious kitchen and living area. Primary suite overlooking serene woodland.

    Sue Meharg E.J. Pontiff Properties

    7 Tadpole Way, Plymouth, MA 02360
  • /28

    $1,150,000

    • 3 Beds
    • 2 Baths
    • 1,900 Sq Ft

    46 Sunset Ave, Hull, MA 02045

    Wake up to breathtaking ocean views! Direct waterfront home with a panoramic bay vista from nearly every room. Situated on a corner lot with privacy, enchanting perennial gardens and ample parking for guests. This seven room home features 3 bedrooms, two full baths (one en suite) and a large wrap-around porch, ideal for outdoor dining or simply relaxing while soaking in the beautiful views. The

    Justine Augenstern Coldwell Banker Realty - Hull

    46 Sunset Ave, Hull, MA 02045
  • /16

    $560,000

    • 1 Bed
    • 1.5 Baths
    • 615 Sq Ft

    3 Kemble Place Unit 2, Boston, MA 02127

    Discover your dream urban retreat in this exquisite City Point 1-bedroom, 1.5-bathroom upper duplex penthouse, boasting three decks. This sun-kissed gem features elegant hardwood floors throughout, enhancing the spacious living room adorned with charming exposed brick and a cozy office nook. The designated dining room offers the perfect setting for intimate dinners, while the efficient galley

    Chris Fitzpatrick

    3 Kemble Place Unit 2, Boston, MA 02127
  • /37

    $28,500,000

    • 9 Beds
    • 9.5 Baths
    • 4,959 Sq Ft

    36 Easton St, Nantucket, MA 02554

    Welcome to your stunning waterfront retreat on the picturesque New England Island of Nantucket. This exquisite single-family home features 9 BR and 9 1/2 BA, newly renovated and expanded to offer incomparable luxury and comfort. Step inside the 1st floor and be captivated by the elegant beachy style, professionally decorated to create a serene and welcoming atmosphere. The 1st floor offers an

    Hedyeh Renstrup Maury People Sotheby's International Realty

    36 Easton St, Nantucket, MA 02554
  • /25

    $529,900

    • 3 Beds
    • 1 Bath
    • 1,251 Sq Ft

    13 Collins St, Salisbury, MA 01952

    Opportunity awaits at this charming property located less than 2 miles from Salisbury Beach and the Brook Casino! Whether you’re a first-time homebuyer, investor, or contractor looking for your next project, this home offers incredible potential in a highly desirable location.Situated on a spacious lot with room for possible expansion, this property is perfect for those with vision and

    Rose Compres Jason Mitchell Group

    13 Collins St, Salisbury, MA 01952
  • /2

    $139,000

    • Land
    • 1.72 Acres
    • $80,814 per Acre

    30 Nathaniel St, Plymouth, MA 02360

    Development Rights for potential 3 units in existing Condo Association ( This is not a parcel of land for sale but is development rights) . Restricted to 55 or older . Free standing or duplex condos. Will need a new special permit in buyer's name. Zoning board approved by special permit for 5 units in 2015, owner amended and only built 2 (See attached). About 1 mile to Plymouth Center. Located at

    Albert White Plymouth Sails Realty, LLC

    30 Nathaniel St, Plymouth, MA 02360
  • /27

    $899,000

    • 2 Beds
    • 1 Bath
    • 1,086 Sq Ft

    14 Woodbury St, Beverly, MA 01915

    Beverly Cove! Enjoy one-level living with an attached garage just steps to the ocean and Lynch Park. This property is located in the heart of Beverly Cove and offers endless possibilities to customize and make your own. It features an open floor plan with a large fireplaced living room, a sunny kitchen with a dining area, two spacious bedrooms with large closets, and a full bathroom with a tub

    Deborah Terlik Keller Williams Realty Evolution

    14 Woodbury St, Beverly, MA 01915
  • /32

    $829,999

    • 3 Beds
    • 2 Baths
    • 2,477 Sq Ft

    143 Burrill St Unit 301, Swampscott, MA 01907

    Set within a thoughtfully restored church building, this one-of-a-kind condominium offers character, comfort, and convenience. Distinctive architecture defines this beautifully converted residence, ideally located near the beach, restaurants, shops, and commuter rail. This pristine three-level home with private entrance showcases original wood beams, stained-glass windows, soaring ceilings, and

    Daniela Cafaro Berkshire Hathaway HomeServices Warren Residential

    143 Burrill St Unit 301, Swampscott, MA 01907
  • /30

    $455,000

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

    111 Daniel Shays Hwy Unit 29, Belchertown, MA 01007

    Opportunity knocks in 55+ Summerhill Estates located near BLCH Center! This Garden Style, end unit condo built in 2022 is the newest in SHE & touts a 2-car garage. The 2-bedrm, 2 bath unit w/ ensuite main bedroom is beloved for the open floor plan w/ skylit cathedral ceiling & gas fireplace, Luxury Vinyl Plank & tile floors, propane heat & central A/C. Still, the meticulous owners kept improving

    Sally Malsch 5 College REALTORS®

    111 Daniel Shays Hwy Unit 29, Belchertown, MA 01007
  • /35

    $699,900 Open Sat 12PM - 2PM

    • 4 Beds
    • 1 Bath
    • 1,692 Sq Ft

    35 Locust St, Wareham, MA 02532

    Welcome to a rebuilt multi level Cape in Broad Cove Bay, in historic village of Onset. A 1 minute walk to the beach. Your newly rebuilt home w. large light-filled foyer, leads to an open living room w/ three first-floor bedrooms, & chef's kitchen. Room for a dining table with outdoor views of a patio backyard area. A beautiful huge 2nd flr. primary bedroom, has skylights, & private bathroom. You

    Joseph Kwiatkowski Today Real Estate, Inc.

    35 Locust St, Wareham, MA 02532
  • /7

    $259,900

    • Land
    • 28.68 Acres
    • $9,062 per Acre

    Lot B Brimfield Rd, Monson, MA 01057

    If you build in the back area of this property you would have a very private setting full of peace and serenity. Have a small cabin or a large retreat both would fit here nicely. If you have family who you would like near by but not too close there is a potential for more lots along the expansive frontage. Complete with a babbling brook this large acreage could be yours today. Seller had a bridge

    Sue Como Buy Rite Home

    Lot B Brimfield Rd, Monson, MA 01057
  • /6

    $1,575,000

    • 2 Beds
    • 1 Bath
    • 924 Sq Ft

    47 Quenames Rd, Chilmark, MA 02535

    On a beautiful 3.02-acre parcel in Chilmark, 47 Quenames Road offers privacy, outstanding value, and excellent potential. The year-round 2-bedroom home features first-floor living, an open floorplan with living and dining space, a kitchen remodeled in 2023, two bedrooms, and a full bath with tub. A new roof (2023) and outdoor deck with bluestone patio area overlooks the lawn and the natural

    Dawn Bellante Sandpiper Realty, Inc.

    47 Quenames Rd, Chilmark, MA 02535
  • /5

    $200,000

    • Land
    • 5.1 Acres
    • $39,216 per Acre

    0 Hortonville Rd Unit 73464143, Swansea, MA 02777

    This property is currently on the market, presenting a fantastic opportunity for potential buyers. Located in the highly desirable Hortonville section of Swansea, this expansive 5.1 acre lot offers ample space and potential for your dream home or future development. The location combines the charm of a tranquility with the convenience of nearby amenities, making it an ideal choice for those

    Jade Garcia revolv Real Estate

    0 Hortonville Rd Unit 73464143, Swansea, MA 02777
  • /39

    $299,000

    • 1 Bed
    • 1 Bath
    • 667 Sq Ft

    49 Munroe St Unit 406, Lynn, MA 01901

    Affordability opportunity. Your North Shore coastal lifestyle awaits! Top floor industrial brick-&-beam loft is beautifully designed, featuring dramatic ceiling height + an adaptable open-concept floor plan. Large windows flood the space with light + offer a unique, private view of a public art mural. Experience the neighborhood's diverse businesses, eateries, museums, art galleries, murals, YMCA

    Soraya Cacici Nest Forward

    49 Munroe St Unit 406, Lynn, MA 01901
  • /9

    $129,900

    • 2 Beds
    • 1 Bath

    50 Mustang Ave, Marlborough, MA 01752

    Beautifully Renovated! Clean home ready to move in...Water Heater .,and Furnace only a couple years old. Great Value!! Don't miss out!

    Deanna Blais ERA Key Realty Services - Distinctive Group

    50 Mustang Ave, Marlborough, MA 01752
  • /9

    $795,000

    • 3 Beds
    • 3 Baths
    • 2,010 Sq Ft

    12 Leeds St, Boston, MA 02127

    Outstanding standalone opportunity at 12 Leeds Street in Andrew Square — a separately deeded redevelopment parcel with strong investor or owner-occupant appeal. Located moments from the Andrew Square MBTA Station and Dorchester Avenue, this property grants easy access to major Boston hubs including the South End, Seaport, and Downtown. Benefit from the area’s substantial development momentum and

    Jeff Hamilton Columbus and Over Group, LLC

    12 Leeds St, Boston, MA 02127
  • /32

    $3,500,000

    • 4 Beds
    • 3 Baths
    • 1,625 Sq Ft

    3 Carver Ct, Provincetown, MA 02657

    Tucked away on a private lane in Provincetown’s town center, this reimagined 1850s home blends period charm with modern comfort. Designed by a renowned local architect and crafted by Cape Cod’s finest artisans, the 3BR/3BA residence offers gracious proportions, high ceilings, and elegant herringbone floors alongside updated systems and a propane fireplace. The chef’s kitchen with wet bar opens to

    Mike Minore Gibson Sotheby's International Realty

    3 Carver Ct, Provincetown, MA 02657
  • /29

    $699,900

    • 4 Beds
    • 2.5 Baths
    • 2,390 Sq Ft

    32 Admiral Halsey Rd, Plymouth, MA 02360

    Classic Colonial set on a quiet cul-de-sac in Plymouth's Sea Heights neighborhood. This home has a great layout with plenty of space inside and out. The large family room is one of the best features, with a fireplace, vaulted ceiling, skylights, and a slider leading to a large wooden deck, bringing in tons of natural light and making it easy to enjoy indoor/outdoor living. The kitchen is spacious

    Patricia Pierce Compass

    32 Admiral Halsey Rd, Plymouth, MA 02360
  • /16

    $750,000

    • 4 Beds
    • 2 Baths
    • 1,608 Sq Ft

    25-27 Lawn Ave, Quincy, MA 02169

    Nice Up & Down two-family property offering strong rental potential. Each unit features 2 bedrooms, 1 full bath, and private entrances. Current rents are below market value, with leases ending in June and August. Property needs some updates but presents a great opportunity for investors or owner occupants.

    Christine Chen East West Real Estate, LLC

    25-27 Lawn Ave, Quincy, MA 02169
  • /17

    $1,769,000 New Construction

    • 4 Beds
    • 2.5 Baths
    • 3,200 Sq Ft

    453 Clapp Rd, Scituate, MA 02066

    TO BE BUILT: Create your own custom design on this prime lot along scenic Clapp Road. This rare offering creates the perfect canvas for your custom dream home offering easy highway access and close proximity to Scituate’s beaches. Partner with a respected local builder who manages the entire process. Features may include 9 ft and cathedral ceilings, a chef’s kitchen with walk in butler’s pantry,

    Siobhan Hunter Misanko William Raveis R.E. & Home Services

    453 Clapp Rd, Scituate, MA 02066
  • /2

    $2,999,995

    • Land
    • 11.24 Acres
    • $266,903 per Acre

    184 REAR Hart St, Beverly, MA 01915

    Rare opportunity to develop 3 approved Estate worthy lots - all on buildable flat level land tucked down a driveway set back off of Hart Street. Part of an 11 acre space create an estate-style setting highlighted by two scenic ponds, mature trees, stone walls, & abutting Essex County Greenbelt Trails, surrounded by multi-million-dollar estates. Ideally located just minutes to Beverly residents-

    Candice Hodgson Lyv Realty

    184 REAR Hart St, Beverly, MA 01915
  • /30

    $1,350,000

    • 2 Beds
    • 2 Baths
    • 2,354 Sq Ft

    48 N Shore Dr Unit 3&7, South Dartmouth, MA 02748

    Located in Round Hill —one of South Dartmouth’s most iconic waterfront communities—this stunning two-level Mansion condominium offers the unique opportunity to embrace elevated coastal living. With 2 bedrooms, 2 full baths and a 2300+/- sq ft footprint, this residence showcases lofty ceilings, a bright open floor plan on both levels, and a sleek, move-in-ready interior with coastal contemporary

    Team MCM Gibson Sotheby's International Realty

    48 N Shore Dr Unit 3&7, South Dartmouth, MA 02748
  • /40

    $2,900,000

    • 4 Beds
    • 3.5 Baths
    • 3,015 Sq Ft

    21 Cockachoiset Ln, Barnstable, MA 02655

    A custom home in the quaint seaside Village of Osterville! Perfectly nestled alongside Crosby Boat Yard, Nauticus Marina, Oyster Harbors Marina, The Chart Room and well-known West Bay, you will find this top of line crafted 4 bedroom, 3.5 bathroom home. Hand-selected flooring and natural lighting fill the open-concept entertaining spaces and private rooms, creating an elevated living experience.

    Cynthia Houlihan Berkshire Hathaway HomeServices Robert Paul Properties

    21 Cockachoiset Ln, Barnstable, MA 02655

Showing Results 601 - 640, Page 16 of 18

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