Monmouth County NJ Homes for Sale with No HOA Fee

• 

  

  

  /44

  $1,650,000

  • 8 Beds
  • 5 Baths
  • 2,608 Sq Ft

  104 Pear St, Oakhurst, NJ 07755

  104 Pear St is the opportunity everyone has been waiting for. Eight bedrooms, five full bathrooms and pool tucked away on a beautiful, small street on an approximately 116x100 lot. A center hall colonial in the heart of Oakhurst is becoming extremely hard to come by. There are four bedrooms and two full baths upstairs and two bedrooms and two full baths on the main floor. The newly renovated,

  Morris Assouline RE/MAX Elite

  104 Pear St, Oakhurst, NJ 07755
• 

  

  

  /77

  $2,799,000

  • 7 Beds
  • 5 Baths
  • 4,800 Sq Ft

  370 Wall St, Eatontown, NJ 07724

  Welcome to this exceptional modern NEW CONSTRUCTION home set on over one acre in prime Eatontown. Offering approximately 4,800 sq ft, this 7-bedroom, 5-full-bath home features high ceilings, a bright open layout, and a sleek kitchen with stainless steel appliances. Set back for added privacy, the expansive property showcases a stunning concrete in-ground pool and hot tub with beautiful tiled

  Michael Ades Cathy Ades Real Estate LLC

  370 Wall St, Eatontown, NJ 07724
• 

  

  

  /47

  $850,000

  • 4 Beds
  • 2.5 Baths
  • 2,901 Sq Ft

  639 Tennent Rd, Manalapan, NJ 07726

  Bank on the Market! Spacious nearly 3,000 sq ft home in the heart of Manalapan with top-rated schools! This 4-5BR home offers a versatile layout featuring formal LR & DR, large FR, and an eat-in kitchen with plenty of space for everyday living and entertaining. A 1st floor office can serve as a 5th BR. Generously sized bedrooms throughout. The primary suite features a private bath & WIC. Partial

  Anna Safonova NJ Realty Pros

  639 Tennent Rd, Manalapan, NJ 07726
• 

  

  

  /30

  $599,900

  • 4 Beds
  • 4 Baths

  211 Dewitt Ave, Asbury Park, NJ 07712

  Brand new construction home from the ground up. This home is deceiving in size and offers four bedrooms, two full + two half baths, a master suite with attached bath, walk in closet and sitting area, 2nd floor laundry and a bonus 3rd floor area. Well thought out, modern finishes run through all 3 levels of the home and are unexpected at this price point. A one car attached garage, one car

  Kenneth Rickel Space & Company

  211 Dewitt Ave, Asbury Park, NJ 07712
• 

  

  

  /4

  $2,999,999

  • Land
  • 29 Acres
  • $103,448 per Acre

  370 Millstone Rd, Millstone Township, NJ 08510

  Incredible opportunity for any developers or investors looking for an absolutely spectacular piece of property consisting of three different lots/parcels combining for 29 acres of PRIME REAL ESTATE in Monmouth County. Property can be delivered with approvals for 10 Buildable lots and sellers can finalize the subdivision approvals with township. Never been on the open market before this is a one

  Aleksandr Pritsker EXP Realty

  370 Millstone Rd, Millstone Township, NJ 08510
• 

  

  /37

  $3,900,000

  • 4 Beds
  • 2.5 Baths
  • 2,304 Sq Ft

  919 Ocean Ave N, Long Branch, NJ 07740

  This fabulous Mantoloking beach house is just steps from the beach! This bright and happy home features four beautifully decorated bedrooms, along with two full bathrooms and one powder room. Large open format living, dining, and sun-rooms open up to a well-appointed gourmet kitchen. Brazilian hardwood floors. Step outside to your own private oasis; the private and peaceful backyard is home to

  Rosemary Joyce M. Van Sciver REALTORS

  919 Ocean Ave N, Long Branch, NJ 07740
• 

  

  /46

  $5,100,000

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

  500 Corlies Ave, Allenhurst, NJ 07711

  Amazing home in West Allenhurst with beautiful views of the lake and has a new in ground pool. This house boasts a great white kitchen with stainless appliances. Gorgeous space for entertaining in your dining room, living room and den overlooking the lake. Stunning primary suite with beautiful bathroom. Finished basement with housekeepers' quarters. Come and see this beautiful home today.

  Cathrine Ades Cathy Ades Real Estate LLC

  500 Corlies Ave, Allenhurst, NJ 07711
• 

  

  /6

  $310,000

  • 3 Beds
  • 1 Bath
  • 884 Sq Ft

  117 Laurel St, Long Branch, NJ 07740

  Opportunity knocks at 117 Laurel Street in Long Branch! Situated on a generously sized lot, this property offers endless potential for investors, builders, or buyers ready to create their vision from the ground up. The home requires a full interior renovation, making it the perfect canvas for a complete transformation. With ample yard space and strong upside in a desirable location, this is your

  Michael Mizrahi Weichert Realtors

  117 Laurel St, Long Branch, NJ 07740
• 

  

  /38

  $665,000

  • 4 Beds
  • 1.5 Baths
  • 1,932 Sq Ft

  18 Claire Cir, Howell, NJ 07731

  Charming 4 bedroom 1.5 bath on oversized corner lot in the middle of Howell! The home offers a spacious floor plan with 3 levels of living. Tastefully decorated this home offers decorative molding, hardwood floors, and plenty of storage. Guests are greeted in tiled foyer that leads into oversized family room with wood burning fireplace. Lower level also includes half bath, laundry room, and a

  Bill Hagan EXP Realty

  18 Claire Cir, Howell, NJ 07731
• 

  

  /25

  $1,250,000

  • 3 Beds
  • 2.5 Baths
  • 1,572 Sq Ft

  6 Cook St, Monmouth Beach, NJ 07750

  Charming 3 bedroom, 2 1/2 bath colonial tucked away on a quiet dead end street, just a short walk to the beach and town. This inviting home features an eat-in-kitchen, a spacious family room with sliders leading to a large deck - perfect for entertaining - and a cozy living room with fireplace. Enjoy a private rear yard ideal for summer gatherings or relaxing evenings outdoors. Priced right and

  Barbara Shirvanian Woodie Shore Homes Shirvanian Realty

  6 Cook St, Monmouth Beach, NJ 07750
• 

  

  /40

  $995,000

  • 4 Beds
  • 2.5 Baths
  • 2,270 Sq Ft

  720 Talmadge Ave, Ocean Township, NJ 07755

  Fantastic colonial in Oakhurst with 4 bedrooms and 2.5 baths. This very well maintained home, at approx 2,270 sf, offers a modern look with hardwood floors throughout. The kitchen comes with beautiful stone countertops, stainless steel appliances including a double oven and wine fridge, a large island and under-counter lighting. Central A/C and forced hot air to keep you comfortable ithroughout

  Morris Assouline RE/MAX Elite

  720 Talmadge Ave, Ocean Township, NJ 07755
• 

  

  /34

  $879,000 Open Sat 12PM - 2PM

  • 4 Beds
  • 2.5 Baths
  • 2,200 Sq Ft

  267 N 5th Ave, Long Branch, NJ 07740

  Beautiful 4 bedroom 2 1/2 bath shore colonial built in 2019 by KELLY BUILDERS located in Red Hot North Long Branch! This stunning home features hardwood floors, Anderson silverline windows, timberline roof, granite counter tops, stainless steel appliances with direct entry from the garage, private fenced in yard with hot tub. Conveniently located one mile from Long Branch beaches & Seven

  Susan Ricker O'Brien Realty, LLC

  267 N 5th Ave, Long Branch, NJ 07740
• 

  

  /15

  $849,000

  • 4 Beds
  • 2 Baths
  • 1,499 Sq Ft

  49 Middlesex Rd Unit B, Matawan, NJ 07747

  High-income producing updated 2-family on oversized lot generating $80K+/yr. Up/down layout: two units, each 2 BR/1 BA, plus laundry in each unit. Rare attached 4-car garage with 15' high doors (4 separate bays) rented separately for extra income. Upper unit features bright LR w/ cathedral ceiling, 2 skylights; kitchen/dining w/ laminate floors, cherry cabinets & full appliance pkg. Updated bath

  Susan Marcrie RE/MAX Innovation

  49 Middlesex Rd Unit B, Matawan, NJ 07747
• 

  

  /41

  $2,690,000

  • 4 Beds
  • 2.5 Baths
  • 2,168 Sq Ft

  1049 Norwood Ave, Long Branch, NJ 07740

  Fabulous renovated high-tech home! With beautiful POOL! Chefs' sleek kitchen overlooking pool area. 4 gorgeous designed bedrooms and 2.5 updated baths. Perfect for entertaining! Finished basement. Front and back porch. Terrific location! Steps to Deal and a few blocks to the beach. Move right in! Turn key!! Hurry!!

  Adele Cohen Irwin Leventer Real Estate Inc

  1049 Norwood Ave, Long Branch, NJ 07740
• 

  

  /16

  $359,000

  • 2 Beds
  • 1 Bath

  258 Jackson St, Matawan, NJ 07747

  This property consists of three lots (lot 12, 13,14) with over 150' of frontage on Hwy 34 located one block North of Main Street. Currently a single family home on the property with a detached garage.

  Lynn Parry Jersey Property Group Realty

  258 Jackson St, Matawan, NJ 07747
• 

  

  /30

  $1,299,000

  • 3 Beds
  • 1.5 Baths
  • 1,440 Sq Ft

  615 Corlies Ave, Allenhurst, NJ 07711

  LOCATION, LOCATION, LOCATION! Adorable Allenhurst Beach house, Charming front porch , 3 large bedrooms and 1.5 baths, Enter into your lovely formal living room with original built ins, a working fireplace , open to the formal dining room with a lovely picture window, Large eat in newer kitchen with stainless steel appliances and granite countertops, large pantry closet, sliding door from the

  Milo Sutton G & G Agency Inc

  615 Corlies Ave, Allenhurst, NJ 07711
• 

  

  /3

  $260,000

  • 2 Beds
  • 1 Bath
  • 654 Sq Ft

  73 Oak St, Keansburg, NJ 07734

  Welcome to Charming 2 Story Cottage in the beach community of Keansburg. This beautifully remodeled 2-bedroom, 1-bath home has been freshly painted, making it move-in ready and waiting for you to add your personal touch. 1st Bedroom is downstairs and 2nd bedroom upstairs. The layout allows for ample natural light, perfect little home. There is the large side driveway, providing great off-street

  Claude Dennis Jason Mitchell Real Estate New Jersey, LLC

  73 Oak St, Keansburg, NJ 07734
• 

  

  /35

  $1,700,000

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

  2 Youmans Ave, Eatontown, NJ 07724

  Wow here is your opportunity to own a great house sitting on a 185x195 lot in sought after Eatontown. This house has been updated with a newer kitchen. Bright airy dining room and den. Come and see this great house today. Close to houses of worship, shopping and beaches. Call today!

  Marc Levy Cathy Ades Real Estate LLC

  2 Youmans Ave, Eatontown, NJ 07724
• 

  

  /18

  $515,000

  • 3 Beds
  • 1 Bath
  • 1,132 Sq Ft

  304 Palmer Ave, Neptune, NJ 07753

  Updated ranch in Sunshine Village offering modern comfort, energy savings, and an easy shore lifestyle. Highlights include an updated kitchen and bath, engineered flooring, central A/C, gas heat, tankless hot water and a Timberline roof, plus leased solar panels for added efficiency. Set on a generous 100x100 lot with space to relax and entertain. Convenient to Cookman Ave, Asbury Park beaches,

  Jason McGuire Jersey Property Group Realty

  304 Palmer Ave, Neptune, NJ 07753
• 

  

  /39

  $620,000

  • 3 Beds
  • 2 Baths

  126 Newbury Rd, Howell, NJ 07731

  Welcome to 126 Newbury Road, located in the desirable Candlewood section of Howell Township. This charming ranch-style home offers comfortable one-level living with 3 bedrooms, 2 full bathrooms, and a full unfinished basement--perfect for future expansion or storage. The kitchen overlooks the family room, creating a great flow for everyday living and entertaining. Cozy up by the wood-burning

  Michael Sclafani RE/MAX Central

  126 Newbury Rd, Howell, NJ 07731
• 

  

  /27

  $7,490,000

  • 6 Beds
  • 5.5 Baths
  • 3,694 Sq Ft

  57 Darlington Rd, Deal, NJ 07723

  Exquisite Coastal Luxury -- Just Half a Block from the Ocean | 57 Darlington Ave, Deal, NJ Welcome to 57 Darlington Avenue, a spectacular 6-bedroom, 5.5-bathroom residence nestled in the heart of Deal, NJ, only steps from the shore. Available after May 15. This 3,700 sq ft architectural gem offers elegant coastal living with a stunning open floor plan, soaring ceilings, and an abundance of

  Victor David Kraiem EXP Realty

  57 Darlington Rd, Deal, NJ 07723
• 

  

  /14

  $849,000

  • 2 Baths
  • 1,499 Sq Ft

  49 Middlesex Rd, Matawan, NJ 07747

  High-income producing 2-Family on a large lot generating $80,000+ annually. This updated up/down property features two units, each offering 2 bedrooms and 1 full bath with laundry in each unit. Additionally, a rare attached 4-car garage with 15-foot-high doors (four separate bays/doors) rented separately. The upper unit showcases a bright living room with cathedral ceilings, two skylights, and

  Susan Marcrie RE/MAX INNOVATION

  

  49 Middlesex Rd, Matawan, NJ 07747
• 

  

  /25

  $739,900 Open Sat 12PM - 3PM

  • 4 Beds
  • 2.5 Baths
  • 1,886 Sq Ft

  183 Pine Brook Rd, Manalapan Township, NJ 07726

  Welcome to this spacious 4-bedroom, 2.5-bath split-level home set on a large, private lot. The main level features a convenient bedroom, ideal for guests, a home office, or multigenerational living. Beautiful cherry hardwood floors add warmth and character throughout the main living areas. The thoughtfully designed layout offers plenty of space for both everyday living and entertaining. The

  Nicole Rokosz Weichert Realtors-Old Bridge

  183 Pine Brook Rd, Manalapan Township, NJ 07726
• 

  

  /36

  $1,649,000

  • 5 Beds
  • 5 Baths
  • 3,599 Sq Ft

  2 Slopebrook Ln, Colts Neck, NJ 07722

  This impressive colonial home offers 3,599 sq. ft. of elegant living space plus a fully finished 1,632 sq. ft. basement, all set on a beautifully landscaped 1.71-acre lot. Designed for both comfort and entertaining, the home features five spacious bedrooms, three full bathrooms and two additional half baths. The gourmet kitchen is appointed with granite countertops, quality appliances, and rich

  James Johnson Weichert Realtors-Sea Girt

  2 Slopebrook Ln, Colts Neck, NJ 07722
• 

  

  /40

  $2,100,000

  • 6 Beds
  • 3 Baths
  • 2,848 Sq Ft

  280 Oakley Ave, Long Branch, NJ 07740

  Stunning 6 bedroom home with 3 full baths. This home offers great living space on the upper level with an open kitchen, dining and living room. Great closet space throughout. Lower level has a second family room, 3 bedrooms and another full bath. Great yard is 125X100 with room for a pool. Close to beach, shopping and houses of worship. Call today!

  Cathrine Ades Cathy Ades Real Estate LLC

  280 Oakley Ave, Long Branch, NJ 07740
• 

  /2

  $590,000

  • 3 Beds
  • 2 Baths
  • 1,112 Sq Ft

  19 Summit Ave, Atlantic Highlands, NJ 07716

  Handy Owner Occupants & Investors, take advantage of this rare opportunity! Three bedroom Ranch approximately 250 ft above sea level with an astounding ocean view awaiting your creative touch. This approx. 133'x108' lot sits on a cul de sac overlooking Atlantic Highlands. Within close proximity to Garden State Parkway and beaches. 6 minutes to NYC Ferry. 1 hr to NYC Port Authority.

  Fitz-Gregory Murrell Investors Realty Services, LLC

  19 Summit Ave, Atlantic Highlands, NJ 07716
• 

  

  /36

  $1,150,000 Open Sat 1PM - 3PM

  • 5 Beds
  • 3.5 Baths
  • 1,946 Sq Ft

  148 Heck Ave, Ocean Grove, NJ 07756

  Welcome to 148 HECK AVE. An exceptional opportunity to own the home of your dreams in quaint Ocean Grove. This stunning Victorian residence offers generous space, classic charm, and abundant natural light. Situated on a desirable corner lot, the home features numerous windows that fill the interior with sunshine throughout the day.Upon entry, you are welcomed by a bright and inviting foyer

  Michelle Green Jack Green Realty

  148 Heck Ave, Ocean Grove, NJ 07756
• 

  

  /40

  $1,699,000

  • 3 Beds
  • 2 Baths
  • 1,618 Sq Ft

  294 Brighton Ave, Long Branch, NJ 07740

  Prime Location !!!! Huge Lot 100' x 141' deepBuild Your Dream Home Here !! Plans are waiting for you. Home consists of 3 Bedrooms, 2 bathrooms on Deep lot. New plans are waiting with potential to build 6,600 sq. ft Dream home with 5 bedrooms, 6 bathrooms, luxury pool, with outdoor kitchen and bar. Property near shopping, beaches, houses of worship. This is true gem !! Don't wait.

  Raquel Gadeloff Cathy Ades Real Estate LLC

  294 Brighton Ave, Long Branch, NJ 07740
• 

  

  /36

  $1,999,000

  • 5 Beds
  • 4 Baths
  • 8,269 Sq Ft

  3 Tolas Dr, Holmdel, NJ 07733

  Imagine living in a home where every day feels like a resort getaway. Set on sweeping lawns with mature trees on a private cul de sac, this Holmdel estate blends elegance with comfort. The chef's kitchen flows into sunlit gathering rooms, perfect for Sunday dinners or holiday celebrations. A year-round indoor pool and spa retreat invite relaxation, while the game and bar room set the stage for

  Theresa Kuyl Real Broker, LLC- Red Bank

  3 Tolas Dr, Holmdel, NJ 07733
• 

  /2

  $350,000

  • 2 Beds
  • 1 Bath
  • 706 Sq Ft

  979 N Concourse, Keyport, NJ 07735

  Investment Opportunity Knocks! Two Structures on One Property. Two Bedroom, One Bath Ranch plus a back structure that can be used an Office / Studio. This property is being sold AS IS, with Buyer responsible for CCO / Smoke Cert.

  John Natale Real Broker, LLC

  979 N Concourse, Keyport, NJ 07735
• 

  

  /56

  $999,999

  • 5 Beds
  • 4 Baths
  • 3,026 Sq Ft

  5 Washington Ave, Morganville, NJ 07751

  Located in the prestigious Triangle Oaks community of Morganville, this beautifully maintained , North East facing center hall colonial offers over 3,000 square feet of living space with 5 bedrooms and 4 bathrooms. The home features hardwood floors throughout and generously sized rooms ideal for comfortable living and entertaining. The kitchen offers custom stone countertops and stainless steel

  Alice Schoemann Coldwell Banker Realty

  5 Washington Ave, Morganville, NJ 07751
• 

  

  /23

  $519,900

  • 3 Beds
  • 2 Baths
  • 1,409 Sq Ft

  224 Sunset Ln, Howell, NJ 07731

  Welcome to quiet & serene Land O' Pines- Howell's best kept secret! Your beautiful 2-story, 3-bed, 2-full bath half-Cape home sits nestled on a fenced-in extended lot featuring an above-ground pool, shed, detached garage, and patio perfect for pets and parties! Your eat-in kitchen leads to the dining and living rooms plus a first-story master bedroom with direct outdoor access! Spacious laundry

  James Adams Dolphin Realty

  224 Sunset Ln, Howell, NJ 07731
• 

  

  /49

  $649,000

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

  133 Starlight Rd, Howell, NJ 07731

  Welcome to this beautifully maintained 3BR, 2.5BA home that wows inside and out! A two-story tiled foyer with crown molding and chandelier leads to an open, airy upper level with wood-laminate floors. Updated kitchen features maple cabinetry w/ rope crown, granite counters, tile backsplash, pantry, soft-close drawers, and stainless appliances, plus a breakfast area and pass-through to the dining

  Susan Marcrie RE/MAX Innovation

  133 Starlight Rd, Howell, NJ 07731
• 

  

  /40

  $2,399,000

  • 7 Beds
  • 5.5 Baths
  • 3,554 Sq Ft

  495 Westwood Ave, Long Branch, NJ 07740

  LOCATION, LOCATION, LOCATION! Home is recently built 2023! This corner property can be yours! Last one available! Boasting 4 floors of modern yet timeless in design TRUE MAGNIFICENCE , Featuring 7 spacious bedrooms and 5.5 Bathrooms, Bright natural light , lovely tile and white oak floors, Large formal Dining room, built in bar area, State of the art Kitchen with double sink , triple oven,

  Milo Sutton G & G Agency Inc

  495 Westwood Ave, Long Branch, NJ 07740
• 

  

  /31

  $850,000

  • 6 Beds
  • 4 Baths
  • 2,400 Sq Ft

  148 Dewitt Ave, Asbury Park, NJ 07712

  Renovated two-family home in the heart of Asbury Park, offering style, space, and exceptional income potential. This turnkey property is ideal for an owner-occupant seeking flexibility or an investor looking for a strong addition to their portfolio.Each unit offers a thoughtfully designed layout featuring three bedrooms and two full bathrooms, along with in-unit laundry for added convenience.

  Gerine Skamarak EXIT Realty East Coast Shirvanian

  148 Dewitt Ave, Asbury Park, NJ 07712
• 

  

  /77

  $1,999,999

  • 6 Beds
  • 5 Baths
  • 5,537 Sq Ft

  2 Warrenton Ln, Colts Neck, NJ 07722

  Beautiful custom built ALL BRICK Colonial home. Situated on 1.46 private acres. 6 Bedroom and 5 Bath, 5537 sq. ft. This home has plenty of room for an entire family. Each room was designed to capture sunlight and to visually obtain an exterior view from every angle of every room. The family room offers vaulted ceiling and skylights. Step into the screened sunroom and relax overlooking your

  Lisa Stellato DiTommaso Real Estate

  2 Warrenton Ln, Colts Neck, NJ 07722
• 

  

  /29

  $899,000

  • 2 Beds
  • 1.5 Baths
  • 992 Sq Ft

  6 Beach St, Sea Bright, NJ 07760

  Just one block from the sparkling shores of the Atlantic, this charming Sea Bright retreat effortlessly blends coastal living with modern convenience. Featuring 2 bedrooms, 1.5 baths, and an unbeatable location, this home is your gateway to the ultimate beachside lifestyle--whether you're craving a relaxing vacation escape, investment property or a year-round haven. Step inside to find a bright,

  Tara Coffey Compass New Jersey LLC

  6 Beach St, Sea Bright, NJ 07760
• 

  

  /59

  $635,000

  • 3 Beds
  • 1 Bath
  • 1,228 Sq Ft

  17 Crestview Dr, Middletown, NJ 07748

  Welcome to this charming 3-bedroom, 1-bath custom ranch located in desirable Fairview. First level features 3 bedrooms, a full bath,living room, dining room, & kitchen-each accented with beautiful hardwood floors. Lower level offers a family rm with gas fireplace. Full basement complete with a family area, office, & workshop. Step outside to enjoy a large,fully fenced yard with a convenient gate

  Catherine Lacey-Cusano Coldwell Banker Realty

  17 Crestview Dr, Middletown, NJ 07748
• 

  

  /30

  $576,000

  • 3 Beds
  • 1.5 Baths
  • 1,540 Sq Ft

  608 Wayside Rd, Neptune, NJ 07753

  WELCOME to 608 Wayside Road in Neptune!This charming 3-bedroom, 1.5-bath home offers a comfortable layout with plenty of potential. Featuring a bright living area, a functional kitchen, and well-sized bedrooms, this home is perfect for anyone looking to make it their own. The additional half bath adds everyday convenience, while the overall layout provides both functionality and flexibility.

  Robin Pickett Keller Williams Avon Realty

  608 Wayside Rd, Neptune, NJ 07753
• 

  

  /5

  $300,000

  • Land
  • 0.34 Acre
  • $882,353 per Acre

  48 Charles St, Matawan, NJ 07747

  Build your dream home on this prime corner lot at the corner of Ruth Place in the highly sought-after Freneau section of Aberdeen Township. Generous 150x100 (approx. 15,000 square ft) property offering excellent long-term potential in an established neighborhood with a small stream at the rear of the lot. Enjoy a convenient location close to major commuter routes, transportation, shopping, and

  Alzira Farinhas RE/MAX Innovation

  48 Charles St, Matawan, NJ 07747

Showing Results 481 - 520, Page 13 of 18