Missouri Homes for Sale with No HOA Fee

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  /3

  $250,000

  • Land
  • 13.39 Acres
  • $18,671 per Acre

  0 Tract 1 Rocheport Reserve Unit 432102, Rocheport, MO 65279

  Build your dream home on this elevated 13+ acre homesite in Rocheport Reserve, the newest custom‑home enclave just west of Columbia. Each lot includes fiber, county water and electric. With 5‑ and 10‑acre plans, enjoy wide‑open views or forested privacy—your choice. Nestled along the scenic Katy Trail, this community offers easy access to the Missouri River, wineries, galleries, and live music in

  

  Stacey Swalla

  Weichert, Realtors - House of Brokers

  0 Tract 1 Rocheport Reserve Unit 432102, Rocheport, MO 65279
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  /82

  $535,000

  $15K PRICE DROP

  • 3 Beds
  • 3 Baths
  • 1,804 Sq Ft

  1416 Highway T, Labadie, MO 63055

  Just what you've been looking for! Nestled on approximately 5 picturesque acres with open fields for horses or other animals and a pole barn, this private country retreat offers the perfect blend of peaceful living and convenience. Ideally located just a short drive from Chesterfield, Wildwood, Labadie, and Washington.This charming ranch home welcomes you with a spacious covered front porch

  

  Janie Schriewer

  RE/MAX Results

  1416 Highway T, Labadie, MO 63055
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  /49

  $360,000

  Pending

  • 4 Beds
  • 3 Baths
  • 2,494 Sq Ft

  667 Rainbow Valley Dr, Highlandville, MO 65669

  Nestled right in the middle of nature on five beautiful, wooded acres, this exceptional property offers tranquil living just feet from the James River. The home features nearly 2,500 square feet of well-designed space, including four bedrooms and three full bathrooms. Inside, you will find two comfortable living areas anchored by a cozy wood-burning stove, creating a warm and inviting atmosphere.

  

  Amanda Satterlee

  The Realty.Group, LLC

  

  667 Rainbow Valley Dr, Highlandville, MO 65669
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  /35

  $245,000

  $7K PRICE DROP

  • 3 Beds
  • 2 Baths
  • 1,436 Sq Ft

  201 Linn St, Trenton, MO 64683

  Brand-new farmhouse-style home is ready to impress! If you've been dreaming of a home that's equal parts stylish, practical, and easy to maintain, this is it! Featuring 9-foot ceilings and an open-concept floor plan, this home feels bright, spacious, and welcoming from the moment you walk in. The kitchen is a showstopper with plenty of workspace and a handy butler's pantry to keep everything

  

  Anita Riley

  RE/MAX Town and Country

  201 Linn St, Trenton, MO 64683
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  /45

  $274,900

  $10K PRICE DROP

  • 4 Beds
  • 1 Bath
  • 1,746 Sq Ft

  171 County Road 5045, Salem, MO 65560

  1.5 story home on 2.89 acres. R-80 schools and minutes to Salem. Dead end road, last home on the road. Lots of unique features. Kitchen has stainless steel appliances with a breakfast bar and nice dining area. Loft with large (CB) master non conforming BR. The loft includes 2 other rooms for office and sitting areas with all carpeted floors. Living area has vaulted ceilings. The floors on the

  

  Richard Pogue

  VIP Properties

  171 County Road 5045, Salem, MO 65560
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  /66

  $1,200,000

  $159K PRICE DROP

  • 2 Beds
  • 2 Baths
  • 1,700 Sq Ft

  21756 Flippin Rd, Warsaw, MO 65355

  This is a rare opportunity to own a private aviation retreat on 120 acres in the heart of Central Missouri! Designed for pilots, outdoor enthusiasts, and those seeking privacy, this incredible property features a 50' x 60' insulated hangar/shop with radiant heated floors, a 40' electric bi-fold hangar door, and approximately 1,200 sq. ft. framed for future living quarters. Fly directly to your

  

  Angie Seaton

  INTEGRITY HOME TEAM

  21756 Flippin Rd, Warsaw, MO 65355
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  /31

  $199,000

  $26K PRICE DROP

  • 3 Beds
  • 2 Baths
  • 1,494 Sq Ft

  1605 McCutchen Rd, Rolla, MO 65401

  Welcome to this well-maintained 3-bedroom, 2-bath home with an attached 2-car garage. This property has been a successful rental and has been exceptionally cared for, making it move-in ready for its next owner. Inside, you'll find durable luxury vinyl flooring throughout and a spacious kitchen complete with stainless steel appliances. The primary suite offers a walk-in shower, while the second

  

  Rene Chasteen

  RE/MAX Heart Of America

  1605 McCutchen Rd, Rolla, MO 65401
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  /45

  $199,800

  $10K PRICE DROP

  • 3 Beds
  • 1.5 Baths
  • 1,176 Sq Ft

  201 S Oak St, Ethel, MO 63539

  Completely repainted, polished, and detail cleaned ranch home all on one level with a fabulous crawl space. The front porch is partially covered and overlooks the pond and property. The house offers a large living room that leads into the eat in kitchen with nice appliances and pantry closet. There are 3 bedrooms with the primary having a half bathroom and the full shared bathroom conveniently

  

  Sonja Gittings

  Tiger Country Realty

  201 S Oak St, Ethel, MO 63539
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  /67

  $275,000

  $40K PRICE DROP

  • 3 Beds
  • 2 Baths
  • 2,225 Sq Ft

  909 Daytona Dr, Lebanon, MO 65536

  This inviting home is ready for immediate enjoyment offering an open floor plan, the kitchen, a delightful space designed for both everyday meals and entertaining, showcases elegant stone countertops and a versatile breakfast bar. The living room's vaulted ceiling creates an expansive atmosphere, providing a perfect backdrop for quiet evenings or lively conversations, all warmed by the inviting

  

  Sherrie Raef

  EXP Realty, LLC

  909 Daytona Dr, Lebanon, MO 65536
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  /11

  $120,000

  • Land
  • 19,602 Sq Ft
  • $266,667 per Acre

  Tbd Redwing Dr, Kimberling City, MO 65686

  Imagine waking up to shimmering water just outside your front door -- no commute to paradise required, because you're already living in it. This waterfront lot on Table Rock Lake hands you a rare blank canvas, and the brush is officially yours. Spanning approximately .45 acres as a double lot, this generous parcel gives you room to dream big, sketch boldly, and finally build the home you've been

  

  Parker Stone

  Keller Williams Tri-Lakes

  

  Tbd Redwing Dr, Kimberling City, MO 65686
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  /22

  $145,000

  • 2 Beds
  • 1 Bath
  • 725 Sq Ft

  302 Hilltop Dr, Wentzville, MO 63385

  Turnkey rental opportunity in the heart of Wentzville! This completely refreshed 2-bedroom, 1-bathroom home is a landlord's dream or the perfect hassle-free primary residence. Step inside to find a bright, modern interior boasting brand-new paint, updated trim, and stylish new cabinets. The fully renovated kitchen is equipped with brand-new appliances, sleek countertops, and a new sink, making it

  

  Stacey Blondin

  Main St. Real Estate

  302 Hilltop Dr, Wentzville, MO 63385
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  /17

  $132,000

  $17K PRICE DROP

  • 2 Beds
  • 1 Bath
  • 770 Sq Ft

  417 Garfield Ave, Moberly, MO 65270

  2-bedroom, 1-bath bungalow with modern updates! This one-level home features a covered front porch, back deck, and a large yard, perfect for relaxing and entertaining. Updated in August 2023, new roof, interior & exterior, electric central AC/heat, bathroom & kitchen appliances.

  

  Carl Plummer

  Weichert, Realtors - House of Brokers

  417 Garfield Ave, Moberly, MO 65270
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  /3

  $150,000

  • 2 Beds
  • 1 Bath
  • 1,307 Sq Ft

  502 S Abat St, Mexico, MO 65265

  Two Investment Houses - Great Opportunity to Add to Your Portfolio!Investors, don't miss this opportunity to add two properties to your portfolio! This package includes two two-bedroom, one-bath bungalows, each offering great potential.502 S. Abat - Updated in 2020, this two-bedroom, one-bath bungalow features vinyl siding, vinyl windows, newer floor coverings, all-new plumbing, a

  

  Betty Jo Sydenstricker

  RE/MAX ON THE MOVE

  502 S Abat St, Mexico, MO 65265
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  /47

  $382,600

  • 4 Beds
  • 2.5 Baths
  • 2,232 Sq Ft

  77 Lookin Up Dr, Marshfield, MO 65706

  Experience the perfect blend of peaceful country living with the convenience of being just minutes from town! This spacious single-level home offers 2,232 square feet with 4 bedrooms, 2.5 bathrooms, an oversized living room, and generously sized bedrooms throughout. Situated on just over 3.5 acres, the property features plenty of level, usable land along with a beautiful wooded area in the back

  

  Donna Taft

  McAfee Real Estate Group, LLC

  

  77 Lookin Up Dr, Marshfield, MO 65706
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  /22

  $299,900

  • 4 Beds
  • 2 Baths
  • 2,066 Sq Ft

  5020 Rainbow Hills Rd, Jefferson City, MO 65109

  Completely REMODELED from top to bottom and truly MOVE IN READY on the West End of Jefferson City! This wonderful 4 bedroom, 2 bathroom home has undergone an extensive transformation with beautiful new finishes throughout. Step inside and immediately appreciate the abundance of windows allowing natural light to pour into the home and showcase everything that is NEW! The kitchen has been

  

  Beth McGeorge Team

  eXp Realty, LLC

  5020 Rainbow Hills Rd, Jefferson City, MO 65109
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  /30

  $1,299,900

  • Land
  • 6 Acres
  • $216,650 per Acre

  5189 W Sunshine St, Brookline, MO 65619

  What a development opportunity here! Booming area approximately 6 acres m/l between Springfield and Republic on highway 60 & currently with 2 entrances off 60. Great highway 60 frontage on west sunshine! Extremely high traffic spot close to James River expressway. Boundry lines in pictures are only estimated. Tax records pic drawing also included in pics. Buyer to do own due diligence on all

  

  Alan Wolken

  Better Homes & Gardens SW Grp

  

  5189 W Sunshine St, Brookline, MO 65619
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  /59

  $2,100,000

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

  2765 SE 75 Rd, Roscoe Township, MO 64776

  Turnkey Cattle Operation - 302.19 Acres of Prime Open Pasture!Hard-to-find 302.19 acres of open pasture designed for maximum productivity. 2 Farms located less than .25 mile from each other. This property is ideal for cattle producers looking for efficient grazing and easy management. The north farm offers 171 Acres, 6 Ponds, a wet weather spring, cattle pens and a small grain silo. Perimeter

  

  Jacquetta Hensley

  Missouri Home, Farm & Land Realty, LLC

  

  2765 SE 75 Rd, Roscoe Township, MO 64776
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  /79

  $575,000

  $73K PRICE DROP

  • 4 Beds
  • 2 Baths
  • 2,177 Sq Ft

  1213 W Pineville Rd, Washburn, MO 65772

  You're not dreaming, this stunning custom built home rests on 5 pastoral acres with modern amenities and upgrades. Luxury VinylPlank flooring, upgraded Tile floors in baths and laundry room, LED Lighting, high efficiency dual fuel HVAC, recirculating hot water, ADT security system. Enjoy an abundance of natural lighting that creates a bright cheerful atmosphere. The open concept layout

  

  Amanda Wells

  Collier and Associates

  

  1213 W Pineville Rd, Washburn, MO 65772
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  /17

  $235,000

  $30K PRICE DROP

  • 1 Bed
  • 1 Bath
  • 576 Sq Ft

  1715 Hideaway Rd Unit H -9, Galena, MO 65656

  Your Lakefront escape awaits! Welcome to the Hideaway. Ever dreamed of a lake home that you didnt have to pay for? This nightly rental is tucked near the end of a peninsula on one of the quietest parts of the lake. walk out your front door to beautiful bluff side views, or walk down your back deck stairs to the gentle slope right to the waters edge. That's right front and back lake views! Shared

  

  Todd Wright

  Alpha Realty MO, LLC

  

  1715 Hideaway Rd Unit H -9, Galena, MO 65656
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  /2

  $100,000

  • Land
  • 4.51 Acres
  • $22,173 per Acre

  736 S Business Highway 13, Lexington, MO 64067

  4.5 Acres commercially zoned lot located off state Business Highway 13 backing to Highway 24.

  

  Nick Gadwood

  NextHome Gadwood Group

  736 S Business Highway 13, Lexington, MO 64067
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  /41

  $245,000

  $3K PRICE DROP Pending

  • 3 Beds
  • 2 Baths
  • 1,377 Sq Ft

  220 Settlers Pass, Waynesville, MO 65583

  This well-maintained three-bedroom, two-bath ranch-style home is situated in the desirable Pioneer Ridge subdivision of Waynesville. Upon entering, you’re welcomed into a spacious living room featuring vaulted ceilings and durable laminate wood flooring that create an open, comfortable feel. The kitchen offers painted cabinetry paired with stainless steel appliances, providing a clean and

  

  Shermetta Gadsden

  EXP Realty, LLC

  220 Settlers Pass, Waynesville, MO 65583
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  /2

  $95,000

  $20K PRICE DROP

  • 2 Beds
  • 1 Bath
  • 882 Sq Ft

  1813 W Lincoln St, Springfield, MO 65806

  Come check out this cute 2 bed 1 bath house. With the current tenant being on a month to month lease, this property provides the flexibility for either an investor or someone looking to be an owner occupant. There is a shed/shop and a nice sized backyard.

  

  Amber Jones

  Valiant Group Real Estate

  

  1813 W Lincoln St, Springfield, MO 65806
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  /13

  $400,000

  • Land
  • 40 Acres
  • $10,000 per Acre

  40ac Business 71 Hwy, Anderson, MO 64831

  Uniquely situated very close to I-49 and abutting the city limits of Anderson, while lying just outside thereof, this 40-acre (+or-) tract of ground has been owned by the same family for more that 150 years and they are now ready to pass the baton. This property abuts Business Highway #71 on the East and is bordered by Hagee Road on the North and Bug Scuffle Lane on the South.With housing

  

  Gary Wasson

  Coldwell Banker Harris McHaney & Faucette

  

  40ac Business 71 Hwy, Anderson, MO 64831
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  /28

  $225,000

  $25K PRICE DROP

  • 3 Beds
  • 2.5 Baths
  • 2,064 Sq Ft

  1416 Franklin Ave, Lexington, MO 64067

  Welcome to this beautifully updated historic home in the heart of Lexington! Full of character and charm, this 3-bedroom, 2.1-bath home offers spacious rooms, tall ceilings, rich hardwood floors, and modern updates throughout. The remodeled kitchen features abundant cabinetry, granite countertops, a center island, and plenty of space to gather. Natural light fills the home, creating a warm and

  

  Lance Tomlin

  ReeceNichols - Lees Summit

  1416 Franklin Ave, Lexington, MO 64067
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  /30

  $154,900

  • 3 Beds
  • 2 Baths
  • 1,600 Sq Ft

  2305 Woodruff Ave, Bethany, MO 64424

  Don't let the exterior fool you - this home offers much more living space than you might expect! Situated on nearly half an acre with plenty of mature shade trees, this property offers a spacious home, covered parking, outdoor living space, and numerous updates completed within the last six years. The main level features a large 20x16 living room, an 18x12 combination kitchen and dining area, and

  

  Tony Nelson

  United Country Nelson Real Estate

  2305 Woodruff Ave, Bethany, MO 64424
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  /6

  $17,500

  • Land
  • 15,681 Sq Ft
  • $48,611 per Acre

  Lot 75 Country Ln, Pine A Township, MO 65611

  Discover the perfect opportunity to build your dream home on this beautiful .36 acre lot in Wood Ridge Estates, located in Blue Eye, MO. Situated on Lot 75 Country Lane, this prime piece of land faces the water and offers a stunning winter view of Table Rock Lake. The lot is enhanced by mature trees, providing a serene and natural setting. With community well and electricity available, this lot

  

  Shannen White

  White Magnolia Real Estate LLC

  

  Lot 75 Country Ln, Pine A Township, MO 65611
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  /19

  $15,900

  $2K PRICE DROP

  • Land
  • 15,246 Sq Ft
  • $45,429 per Acre

  Tbd State Highway Oo, Kimberling City, MO 65737

  Own the View. Own the Traffic. Own the Income Potential.Table Rock Lake Close Billboard Opportunity--where visibility is the real asset.Positioned on nearly ½ acre in the rolling Ozark hills, this property is all about front-row exposure to steady drive-by traffic just minutes from Kimberling City. Whether you're tired of paying monthly billboard rent or ready to create a passive income

  

  Ann Ferguson

  Keller Williams Tri-Lakes

  

  Tbd State Highway Oo, Kimberling City, MO 65737
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  /12

  $80,000

  $30K PRICE DROP

  • 3 Beds
  • 1 Bath
  • 1,033 Sq Ft

  314 S Davis St, Maryville, MO 64468

  Attention Investors! Opportunity awaits with this 3-bedroom home situated on a large double lot zoned R-2 — allowing for duplex potential. Whether you’re looking for your next renovation project or a future development opportunity, this property offers flexibility. Recent improvements include a newer roof and a newer hot water heater, providing added value as you plan your updates or investment

  

  Tina Sherry

  PRIORITY ONE REALTY

  314 S Davis St, Maryville, MO 64468
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  /32

  $134,900

  $5K PRICE DROP Under Contract

  • 2 Beds
  • 1 Bath
  • 860 Sq Ft

  360 W 5th St, Lebanon, MO 65536

  Welcome to this charming home full of character and warmth. From the moment you step inside, you'll notice the beautiful hardwood floors that run through much of the home, adding timeless appeal and a warm, inviting feel, while architectural details like the arched doorways create a unique touch of vintage charm. Blending classic character with modern updates, the home has seen numerous recent

  

  Shelly Hendrix

  RE/MAX Next Generation

  360 W 5th St, Lebanon, MO 65536
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  /32

  $219,900

  • 3 Beds
  • 2 Baths
  • 1,670 Sq Ft

  2959 Meyer Rd, Festus, MO 63028

  Welcome to this well-maintained 3-bedroom, 2-bath home on just under an acre in the DeSoto School District! The main level features three bedrooms, a full bath, comfortable living room, and an eat-in kitchen with tile flooring, while the finished lower level offers even more space with a family room, bar and entertaining area, wood-burning stove, second full bathroom, laundry/mudroom area with

  

  Jerett Rion

  Nash Realty, Inc.

  2959 Meyer Rd, Festus, MO 63028
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  /21

  $74,650

  • Land
  • 9.82 Acres
  • $7,602 per Acre

  TBB State Hwy N, Bourbon, MO 65441

  Escape to your own private retreat on this beautiful 9.82-acre wooded property just outside of Bourbon. Tucked away for peace and privacy yet easily accessible via a well-maintained blacktop road, this land offers endless possibilities. With no known restrictions, you have the freedom to build your dream home, establish a peaceful weekend getaway, or simply enjoy it as a secluded recreational

  

  Sonya Sewald

  Legacy Realty

  TBB State Hwy N, Bourbon, MO 65441
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  /13

  $499,900

  $20K PRICE DROP

  • 2,400 Sq Ft

  11239 Stave Mill Rd, Mountain Grove, MO 65711

  Commercial ~22acre lot with US Highway 60 exposure! Come and build your dream business! Existing well and electric service on property! At corner of Hwy MM and Stave Mill Road at Dunn Exit with entrances off both MM and Stave Mill. Perfectly positioned near large regional employers (L&R Indus, Intercounty Electric, Twin Cities Industrial Park, Wehr Ford & RV, S&H Farm Supply and a new Shetler's

  

  Shelly Smith

  Down Home Realty

  

  11239 Stave Mill Rd, Mountain Grove, MO 65711
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  /63

  $530,000

  Pending

  • 3 Beds
  • 2 Baths
  • 2,240 Sq Ft

  11305 State Route Jj, West Plains, MO 65775

  The property you've been waiting for! 3 bedroom, 2 bathroom home (with an extra non conforming bedroom in the garage remodel) with over 3000 sq ft of heated and cooled shop space that has electric and water including a half bath (plumbed for adding a shower). All of this sits on 33.6 +/- acres just minutes from city limits of West Plains on a paved state highway.The home has luxury vinyl

  

  Denver Wade

  Wild Hills Realty

  

  11305 State Route Jj, West Plains, MO 65775
• 

  

  /13

  $165,000

  Pending

  • Land
  • 5.7 Acres
  • $28,947 per Acre

  31318 Corri Rd, Wright City, MO 63390

  5.70 Beautiful, wooded acres located just minutes from I-70 and conveniently situated just off blacktop frontage. This peaceful property offers the perfect setting to build your dream home or barndominium while enjoying privacy, nature, and easy access to nearby amenities. Lots range from approximately 3 to 5 acres and are subject to minimal restrictions. No mobile or modular homes, junkyards, or

  

  Samantha Richardson

  Main St. Real Estate

  31318 Corri Rd, Wright City, MO 63390
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  /79

  $249,000

  $89K PRICE DROP

  • 3 Beds
  • 2 Baths
  • 14,616 Sq Ft

  118 S Main Street Usa, Marceline, MO 64658

  Upscale Restaurant & Grill in Walt Disney's Hometown!! Numerous Possibilities Located in 3 Buildings with 8784 Sq Ft on the Main and Additional 5832 Sq Ft on Upper Level Totaling 14,616 Sq Ft (Upper Level Income Potential for Apartments) Main Floor Renovated and Ready with 15' 7 Custom Back Bar, Stage for Entertaining or Additional Dining Area. Two Additional Spacious Dining Areas for Private

  

  Julie Green

  Century 21 McKeown and Associates, Inc.

  118 S Main Street Usa, Marceline, MO 64658
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  /29

  $195,000

  $15K PRICE DROP

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

  307 Hickory St, Rockaway Beach, MO 65740

  Welcome home to this updated 3 bedroom, 2 bathroom home located in the Branson School District! Offering a spacious open-concept layout, this home features brand new luxury vinyl flooring, fresh interior paint, new window screens, and a brand new HVAC system for added peace of mind.Step inside to find a large living room filled with natural light and plenty of space for relaxing or

  

  Shannen White

  White Magnolia Real Estate LLC

  

  307 Hickory St, Rockaway Beach, MO 65740
• 

  

  /40

  $113,000

  $42K PRICE DROP

  • 2 Beds
  • 1 Bath
  • 768 Sq Ft

  10240 Silverleaf Rd, Mineral Point, MO 63660

  This property has been placed in an upcoming online event. This charming 2-bedroom, 1-bath home sits on a level lot and has been extensively updated with numerous improvements, including new windows, exterior porch paint, and freshly painted shutters. The interior offers a refreshed living space featuring new flooring, drywall, carpeting, paint, updated bathroom fixtures, lighting, kitchen

  

  Rhonda Overberg

  RE/MAX Best Choice St. Louis

  10240 Silverleaf Rd, Mineral Point, MO 63660
• 

  

  /8

  $39,700

  $2K PRICE DROP

  • Land
  • 36,154 Sq Ft
  • $47,831 per Acre

  Tbd Lovers Ln, Branson West, MO 65737

  0.83-acre lot in Blakewood Subdivision with a favorable slope for a walkout basement and electric already in place. Enjoy a wintertime lake view looking east, with the added benefit of overlooking 136 acres of National Forest land. The view possibly could be expanded to year-round through selective clearing. Located in a quiet, established neighborhood near Table Rock Lake, with convenient access

  

  Tucker Blevins

  Lake Agents, LLC

  

  Tbd Lovers Ln, Branson West, MO 65737
• 

  

  /5

  $375,000

  0 Monroe Road 581 Unit MIS26004701, Perry, MO 63462

  Calling all fisherman, lake lovers, and investors! This is a rare offering of 15 Acres m/l of vacant land within 2.5 miles of the boat ramp at Robert E. Allen Recreation Area at Mark Twain Lake! The property offers blacktop frontage and has a huge potential development. There is a pond on the property and an old horse barn and silo! Turkey and deer frequent the property and there are several nice

  

  Caleb Brown

  Gateway Land and Home, LLC

  0 Monroe Road 581 Unit MIS26004701, Perry, MO 63462
• 

  

  /7

  $79,000

  • 2 Beds
  • 1 Bath
  • 818 Sq Ft

  433 Jean Ave, Saint Louis, MO 63135

  No showings without an accepted offer. 2+ bedroom income property located in Ferguson with a 1 car garage. (Additional sleeping area in back of home was added on prior to this seller's ownership) Newly refreshed interior and passed occupancy inspection. Home is leased at 1100/month for one year. This is a great income producing property and perfect for adding to a portfolio. Buyer is selling as

  

  Tammy Sherrell-Shortt

  Sherrell Realty & Associates

  433 Jean Ave, Saint Louis, MO 63135

Showing Results 601 - 640, Page 16 of 18