1,508

Monmouth County NJ Homes for Sale with No HOA Fee

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  • /6

    $135,900

    • 2 Beds
    • 1 Bath

    9 Mary Ann Ct Unit 9, Keansburg, NJ 07734

    Own your own home in a quiet, well-maintained neighborhood! This 2 bed/1 bath home has plenty of living space. Every day could feel like a vacation! Call us today to schedule a showing and see all the benefits of living in Palmer Meadows, a professionally managed community. Ask about our special incentive programs! This one won't last long!

    Tori Coil Palmer Meadows

    9 Mary Ann Ct Unit 9, Keansburg, NJ 07734
  • /35

    $825,000

    • 2 Beds
    • 2 Baths
    • 1,029 Sq Ft

    675 Ocean Ave Unit 5J, Long Branch, NJ 07740

    Experience luxurious coastal living in this stunning, two-bedroom, two-bath condo nestled in an oceanfront building in Long Branch, New Jersey. Adorned with exquisite features, including a cozy fireplace, walk-in closets, large balcony, private parking, and a newly renovated kitchen boasting granite counters and modern appliances, this residence offers unparalleled comfort and style. Indulge in

    Olga Dukhovny UNITED NATIONAL REALTY GROUP INC

    675 Ocean Ave Unit 5J, Long Branch, NJ 07740
  • /79

    $1,100,000

    • 4 Beds
    • 2.5 Baths
    • 2,680 Sq Ft

    19 Northwoods Rd, Ocean, NJ 07712

    Seller is replacing multiple windows. The home is located on one of the largest lots in the neighborhood, backs to the woods, has a large driveway leading to the two car garage, & newly fenced backyard. The large back yard has two sheds, gas heated inground pool w/ replaced liner, newer deck, & irrigation system. Inside has plenty of space main level features two large living rooms each with a

    Nicholas Torsiello Berkshire Hathaway HomeServices Fox & Roach - Ocean

    19 Northwoods Rd, Ocean, NJ 07712
  • /65

    $2,250,000

    • 5 Beds
    • 4.5 Baths
    • 4,770 Sq Ft

    139 Stone Hill Rd, Colts Neck, NJ 07722

    Explore this stunningly renovated home with over 4600 square feet of living space and an amazing backyard oasis. This ranch-style home has been fully updated and is highlighted by the brand-new kitchen that any chef would be eager to cook in. It is flanked by a separate butler's pantry on one end, and a custom wet bar on the other. The main level also features dual living spaces, huge bonus room,

    David Adlai-Gail Coldwell Banker Residential Brokerage

    139 Stone Hill Rd, Colts Neck, NJ 07722
  • /31

    $675,000

    • 4 Beds
    • 2.5 Baths
    • 2,038 Sq Ft

    149 9th St, Belford, NJ 07718

    Welcome to this charming expanded ranch home, offering a perfect blend of classic appeal and modern potential. Situated on a large, professionally landscaped lot, this spacious property features 4 bedrooms and 2.5 baths with the potential for mother/daughter living. The living room boasts a wood burning stove and opens to the bright dining room. The expansive primary suite is a true retreat,

    Kristen Pierson Jones O'Brien Realty, LLC

    149 9th St, Belford, NJ 07718
  • /25

    $630,000

    • 3 Beds
    • 3 Baths
    • 2,024 Sq Ft

    76 9th St, Belford, NJ 07718

    Opportunity awaits in Belford!This 3 bedroom, 3 full bath home offers a versatile layout with tons of potential to make it your own. The first floor features the primary bedroom suite along with an additional bedroom, offering convenient one-level living. An open living area flows into the kitchen and dining space, ideal for gatherings and everyday living.Upstairs, you'll find a spacious third

    Valerie Vargas Keller Williams Realty West Monmouth

    76 9th St, Belford, NJ 07718
  • /54

    $1,100,000

    • 3 Beds
    • 2.5 Baths
    • 1,765 Sq Ft

    14 Seadrift Ave, Highlands, NJ 07732

    Living at Its Finest -Modern Home with Panoramic Views Welcome to your dream retreat! This stunning,3 bed /2.5 bath custom-built coastal retreat is a brand-new rebuild, designed with style and comfort in mind. Featuring custom plantation blinds, rich hardwood floors, designer finishes, and a custom stone fireplace, the open-concept layout exudes warmth and elegance. The gourmet kitchen offers

    Graziella Caruso EXP Realty

    14 Seadrift Ave, Highlands, NJ 07732
  • /7

    $1,250,000

    0 Hill Rd, Allentown, NJ 08501

    Magnificent property, Zoned AR offering over 76 Acres of scenic bliss. Farmland preservation will ensure the agricultural integrity of the property continunes. Ideal for farming, tree farm, horses, crops, possible winery. Check with the Monmouth County Board of Agriculture for your intended use. There are currently no structures or utilities on the property,Nearby attractions include: Historic

    Christina Huang Weichert Realtors-East Brunswick

    0 Hill Rd, Allentown, NJ 08501
  • /40

    $769,990

    • 4 Beds
    • 3 Baths
    • 2,148 Sq Ft

    42 Cherry Tree Farm Rd, Middletown, NJ 07748

    Newly renovated 4 bedroom, 3 bathroom split level home. Kitchen with quartz countertops, marble decorative backsplash, new stainless steel appliances, range hood, built in microwave unit, and upgraded pull out drawers. Large island, great for entertaining and additional seating. Enormous living room and formal dining room with open layout. Master bedroom with ensuite bath feat. double vanity,

    Lara Glassman Keller Williams Realty Central Monmouth

    42 Cherry Tree Farm Rd, Middletown, NJ 07748
  • /35

    $662,900

    • 4 Beds
    • 2 Baths
    • 1,620 Sq Ft

    414 Oak Tree Rd, Freehold, NJ 07728

    This home was completely rebuilt, remodeled/updated and expanded in January - May of this year. Added an extended size garage, master bedroom, master bathroom and walk-in closet. Installed brand new roof, installed new siding, new floors, new modern kitchen with full set of new appliances. Also completely replaced all plumbing and power supply system, including a new septic system and water

    Rachna Nuthra RealtyMark Select

    414 Oak Tree Rd, Freehold, NJ 07728
  • /26

    $729,900

    • 4 Beds
    • 2.5 Baths
    • 1,792 Sq Ft

    49 Barn Swallow Blvd, Marlboro, NJ 07746

    Welcome Home to Comfort and Convenience.Step into luxury and comfort with this stunning end-unit home located in the desirable Glenbrook neighborhood of Marlboro.This bright and spacious home features 4 bedrooms, 2.5 bathrooms, a convenient two-car garage, and a full basement ideal for customization and personalized living spaces.As you enter, experience a welcoming blend of style and comfort.

    Igor Zaslavskiy Formula Realty, LLC

    49 Barn Swallow Blvd, Marlboro, NJ 07746
  • /23

    $624,900

    • 3 Beds
    • 2.5 Baths

    3 Mendon Dr, Howell, NJ 07731

    Let's welcome this well-manicured Colonial to the market w/ 3 bedrooms, 2.5 baths located in desirable Woodstone. With a spacious Living room, separate formal dining room, and eat-in kitchen w/ a pantry for additional storage space. Separate Laundry Room. The master suite features dual closets- his and hers along slide w/ a full bathroom. An inviting backyard like no other w/ a concrete patio,

    Klaudia Piotrowicz HALO REALTY

    3 Mendon Dr, Howell, NJ 07731
  • /39

    $2,600,000

    • 4 Beds
    • 3.5 Baths
    • 2,715 Sq Ft

    12 Harbor Ct, West Long Branch, NJ 07764

    Beautifully Renovated home in the heart of West Long Branch. 5 bedrooms, 3 1/2 baths, Chefs kitchen, Large family room, cozy Den, stunning dinning room! Finished basement. Large master suite with luxury bathroom. Fabulous Recreational backyard with Tennis court and basketball courts.

    Adele Cohen Irwin Leventer Real Estate Inc

    12 Harbor Ct, West Long Branch, NJ 07764
  • /60

    $940,000

    • 4 Beds
    • 3 Baths
    • 3,069 Sq Ft

    35 High Ridge Rd, Ocean, NJ 07712

    The sign you have been waiting for is finally here. Welcome to a rare opportunity in the highly desirable Wayside community, where lifestyle, location, and serenity come together. This beautifully maintained four-bedroom, three-bath house is more than a home; it's your family's next chapter waiting to be written. Set on a tranquil, park-like lot, the classic curb appeal and meticulously

    Sarah Bandy Jason Mitchell Real Estate New Jersey

    35 High Ridge Rd, Ocean, NJ 07712
  • /23

    $1,275,000

    • 6 Beds
    • 4 Baths
    • 3,157 Sq Ft

    31 Riverside Ave, Red Bank, NJ 07701

    Outstanding Investment Opportunity in the Heart of Red Bank! This well-maintained 4-family property offers the perfect blend of location, condition, and rental potential. Featuring a total of 6 bedrooms and 4 full bathrooms, the building is comprised of two 2-bedroom units and two 1-bedroom units , an ideal mix for strong rental income.Units 1 & 2 each offer 1 bedroom and 1 full bath, while Units

    Jacob Khodakov Signature Realty NJ

    31 Riverside Ave, Red Bank, NJ 07701
  • /40

    $1,100,000

    • 5 Beds
    • 4 Baths
    • 3,008 Sq Ft

    14 Tuscan Dr, Freehold, NJ 07728

    Welcome to 14 Tuscan Drive, a truly exceptional custom Colonial located in the highly sought-after Chatham Ridge development in Freehold Twp. Offered by the original owners, this home is unlike any other in the neighborhood, featuring a striking full brick front and meticulously landscaped grounds that make a lasting first impression. This spacious and well-maintained residence offers five

    Dominick Ali Jr. Goldstone Realty

    14 Tuscan Dr, Freehold, NJ 07728
  • /66

    $919,000

    • 4 Beds
    • 4 Baths
    • 2,905 Sq Ft

    22 Enclosure Dr, Morganville, NJ 07751

    Absolutely Stunning 4B4B colonial w/ Finished Basement truly has it all—LOCATION, CONDITION & LAYOUT. A nice open floor plan from the kitchen leads into the family room featuring a fireplace and HWfloors. Formal living&dining room located off the kitchen area. The EIK features granite counter tops, tiled flooring, and stainless-steel appliances. Sliding doors leads to the oversized deck

    Hong Luo Realmart Realty LLC.

    22 Enclosure Dr, Morganville, NJ 07751
  • /28

    $750,000

    • 6 Beds
    • 3 Baths
    • 2,872 Sq Ft

    114 Greymoor Rd, Howell, NJ 07731

    Welcome to this Beautiful, Sprawling 2870 sq ft home Situated on apx 1/2 acre lot. SIX BEDROOMS! 3 FULL BATHROOMS! Amazing, Practical Layout! Large L-shaped Dining & Living Room w/ Hardwood Flooring! Nice Eat-in Kitchen Features Stainless steel appliances. LARGE Bedrooms. Master Suite w/ WIC and master bathroom. Huge Playroom! Beautiful Bathrooms. Attached double garage. Exquisite park like,

    Esther Goodman Good Choice Realty

    114 Greymoor Rd, Howell, NJ 07731
  • /25

    $799,000

    • 3 Beds
    • 2 Baths
    • 1,652 Sq Ft

    208 E Bergen Place, Red Bank, NJ 07701

    Welcome to 208 East Bergen Place, a beautifully updated 3-bedroom, 2-bathroom home tucked just off Arthur Avenue in one of Red Bank's most desirable neighborhoods. With its open floor plan, this home offers a warm and inviting living space that flows effortlessly from the living room—complete with a cozy fireplace—to the dining area and kitchen, making it perfect for both everyday living and

    Allison Gregory Resources Real Estate

    208 E Bergen Place, Red Bank, NJ 07701
  • /45

    $724,900

    • 4 Beds
    • 2 Baths
    • 1,588 Sq Ft

    330 Broad St, Eatontown, NJ 07724

    Like NEW CONSTRUCTION. Fully renovated. 5 Year Warranty! 4 br/2 bath. In-Law Suite or Mother/Daughter. Bright open floorplan with that New Home feel! Wood & Laminate plank floors. New HVAC, Roof, Tankless Water Heater, Washer/Dryer, Kitchen with SS Appliances and granite tops, 2 new baths. Tilt in Windows. 200 Amp service. Plenty of Closets/ Attic & under stair storage, and shed. Direct entry

    Melissa Brooks Real Broker, LLC- Red Bank

    330 Broad St, Eatontown, NJ 07724
  • /36

    $1,149,000

    • 4 Beds
    • 2 Baths
    • 1,968 Sq Ft

    606 Deal Rd, Ocean, NJ 07712

    WONDERFUL WEST DEAL when you FOREVER own this RENOVATED and WIDE Expanded Ranch sitting on a 137x110 foot wide beautiful lot. Located ACROSS From SERINE & RELAXING ''Joe Palaia Park'' and the BACK PERIMETER of home is TREE LINED for maximum PRIVACY. Be impressed by the living room / dining room ENTIRE WALLS OF BRIGHT WINDOWS to enjoy and host in STYLE, Brand new White & Bright Stainless

    Alex Saka Avenue Realty NJ

    606 Deal Rd, Ocean, NJ 07712
  • /13

    $339,500

    • 2 Beds
    • 1 Bath

    250 Forest Ave, North Middletown, NJ 07748

    Welcome to this well loved and maintained home in Middletown Township. Offering a large backyard with above ground pool, off street parking for multiple vehicles and a one car detached garage. Inside you'll find a kitchen with plenty of counterspace and cabinets, two sun drenched bedrooms, a breakfast nook, and a living room opened to a bonus room. This home is conveniently located to mass

    Candace Karavolas Keller Williams Realty Freehold

    250 Forest Ave, North Middletown, NJ 07748
  • /3

    $193,000

    • Land
    • 0.43 Acre
    • $448,837 per Acre

    2108 Florence Ave, Hazlet, NJ 07730

    Welcome to Hazlet's prime real estate opportunity! Calling all builders and investors to secure a substantial piece of property for your custom home in monmouth county. This property is walking distance to a diverse selection of dining options, retail stores, and essential services. Call me today to discuss the details of this lot.

    Debra Malanga Keller Williams Avon Realty

    2108 Florence Ave, Hazlet, NJ 07730
  • /6

    $1,250,000

    • Land
    • 76 Acres
    • $16,447 per Acre

    45 Hill Rd, Allentown, NJ 08501

    Magnificent property, Zoned AR offering over 76 Acres of scenic bliss. Farmland preservation will ensure the agricultural integrity of the property continunes. Ideal for farming, tree farm, horses, crops, possible winery. Check with the Monmouth County Board of Agriculture for your intended use. There are currently no structures or utilities on the property, Nearby attractions include: Historic

    Christina Huang WEICHERT CO REALTORS

    45 Hill Rd, Allentown, NJ 08501
  • /45

    $650,000

    • 4 Beds
    • 2 Baths
    • 1,950 Sq Ft

    136 Iron Ore Rd, Manalapan, NJ 07726

    Welcome home to this spacious and charming Bi Level nestled in the very desirable Manalapan Twp! Sitting on 1.3 acres hosting a sprawling front yard with a long driveway and a lovely garden patio, this home offers incredible curb appeal and room to grow. Inside find a bright and inviting living room with a large picture window that flows seamlessly into the formal dining area, perfect for

    Matt Merritt Keller Williams Realty Freehold

    136 Iron Ore Rd, Manalapan, NJ 07726
  • /41

    $800,000

    • 4 Beds
    • 2.5 Baths
    • 2,562 Sq Ft

    214 Woodcrest Dr, Freehold, NJ 07728

    Discover this beautifully updated colonial home situated on a coveted corner lot in the heart of Freehold Township. With 4 bedrooms and 2.5 bathrooms, this residence offers ample space and comfort for modern living. The lower level showcases a stunning country kitchen featuring a REFURBISHED MONITOR CIRCA 1920'S REFRIGERATOR, granite countertops, GLENDALE 1915 STOVE (NOW CONVERTED TO GAS AND

    Bradly Trebotica Keller Williams Realty Ocean Living

    214 Woodcrest Dr, Freehold, NJ 07728
  • /50

    $5,249,000

    • 9 Beds
    • 5.5 Baths
    • 4,084 Sq Ft

    1 Ocean Ave S, Allenhurst, NJ 07711

    You'll be captivated by the ocean views and lakefront ambiance in this beautiful, updated home completed with newer kitchen and bathrooms, central air, seven bedrooms 4.5 bathrooms in main house plus updated guest cottage boasts 2 bedrooms, 1 bathroom for a total of 9 bedrooms 5.5 baths. Enjoy entertaining in the beautiful living room and dining room, front porch and inviting backyard while

    Grace Marcus Sonya Grill Real Estate

    1 Ocean Ave S, Allenhurst, NJ 07711
  • /12

    $3,600,000

    • Land
    • 0.11 Acre
    • $32,727,273 per Acre

    800 Fourth St, Sea Girt, NJ 08750

    A fabulous opportunity to design your own beach retreat in one of the most charming seaside towns along the Atlantic. 800 Fourth Avenue will is situated on a 75x150 lot offering four levels of luxury living just a short distance to the beach & boardwalk and a few blocks to town. Sea Girt is a special seaside town meant for long beach days, midday lunch at the Parker House and bike rides along

    Denise Dreyer Ward Wight Sotheby's International Realty

    800 Fourth St, Sea Girt, NJ 08750
  • /23

    $695,000

    • 4 Beds
    • 2 Baths
    • 1,695 Sq Ft

    3104 Sunset Ave, Ocean, NJ 07712

    Welcome Home to this charming 4-Bedroom Home with Saltwater Pool, Solar Panels- Just 2 Minutes to the Park and Major Highways! This beautifully maintained 4-bedroom, 2 full bath home offers the perfect mix of comfort, upgrades, and outdoor living and a nearby park, ideal for strolls, playtime, or peaceful morning coffee. Inside, you'll find a traditional layout with spacious, light-filled rooms.

    Jonathan Diaz Realty Of America

    3104 Sunset Ave, Ocean, NJ 07712
  • /14

    $399,000

    • 3 Beds
    • 1.5 Baths
    • 1,520 Sq Ft

    269 Port Monmouth Rd, North Middletown, NJ 07748

    Charming Single-Family Home on Expansive Property with Detached Garage. Set on a deep lot, this delightful 3-bedroom, 1.5-bath home offers the perfect blend of privacy, space, and potential. A standout feature is the oversized 2-car detached garage—ideal for car enthusiasts, hobbyists, or extra storage. Inside, you'll find a classic layout with comfortable living areas, a bright and airy kitchen,

    Maureen Yetman C21 Thomson & Co.

    269 Port Monmouth Rd, North Middletown, NJ 07748
  • /39

    $740,000

    • 4 Beds
    • 3 Baths
    • 2,529 Sq Ft

    257 Port Monmouth Rd, Middletown Township, NJ 07748

    Built in 2023 this 4BR, 3 BA home is ready for family, company or a house full of pets. Approximately 3,600 sf, including lower level there is PLENTY OF ROOM to spread out. The open floor plan highlights the beautiful kitchen w/ white quartz counters, full backsplash, an 8ft island with seating & sliders that lead out to an oversized deck. Stainless Steel appliances, including range hood,

    Paul Cook Real Broker, LLC- Red Bank

    257 Port Monmouth Rd, Middletown Township, NJ 07748
  • /42

    $1,599,000

    • 4 Beds
    • 2.5 Baths
    • 2,308 Sq Ft

    2146 Spruce Dr, Sea Girt, NJ 08750

    Well maintained 4 bedroom, 2.5 bath colonial on oversized 155x150 property in desirable Sea Girt Estates.The inviting front porch welcomes you into this charming home. The first floor has an expansive formal living room, half bath, formal dining room, sun-drenched kitchen, and bright family room with skylights. The second floor has a primary bedroom with ensuite full bath and walk in closet, plus

    Kerry Tarigo Diane Turton, Realtors-Sea Girt

    2146 Spruce Dr, Sea Girt, NJ 08750
  • /52

    $1,499,000

    • 5 Beds
    • 3.5 Baths
    • 3,200 Sq Ft

    6 Quid Place, Manalapan, NJ 07726

    Welcome to this beautiful 5-6 bedrooms house nestled in heart of Manalapan. As you enter through the two-story foyer, spacious formal living room and spacious formal dining area adorned with decorative molding. Hardwood floors throughout. 3 zones baseboard heat and central AC. The family, room featuring french doors and wood fireplace with sliding door to cozy florida room with trex

    Marina Katsan Realty One Group Central

    6 Quid Place, Manalapan, NJ 07726
  • /45

    $2,299,000

    • 4 Beds
    • 3 Baths
    • 2,251 Sq Ft

    342 Lincoln Ave, Avon By the Sea, NJ 07717

    Come see this meticulously maintained home that sits on a corner lot just 3 blocks to the beach in beautiful Avon-by-the-Sea. This turnkey home comes fully furnished and ready for summer occupants. Recent upgrades in 2024 include new roof, siding, gutters, windows, floors on first floor, furnace, and hot water heater. Plus, new HVAC and upgrades to kitchen & bathroom in 2018. Enjoy the ocean

    James Child RE/MAX Achievers

    342 Lincoln Ave, Avon By the Sea, NJ 07717
  • /43

    $1,199,000

    • 4 Beds
    • 3 Baths
    • 3,564 Sq Ft

    4 Hummingbird Ct, Howell, NJ 07731

    Welcome to 4 Hummingbird Ct! Located on a quiet cul-de-sac, situated on a private acre lot this estate-like home features 4 Bedrooms (Possible 5th) and 3.5 full bathrooms. This charming Colonial boast 3,564 square feet. Upon entering, you will be greeted by the 2-story foyer that continues into the Bright and Open family room with gas fireplace. Updated eat in kitchen with a large center island,

    Casey Quinn RE/MAX at Barnegat Bay

    4 Hummingbird Ct, Howell, NJ 07731
  • /11

    $384,900

    • 3 Beds
    • 1 Bath
    • 1,468 Sq Ft

    204 W Sylvania Ave, Neptune, NJ 07753

    *Under contract but continue to show* This delightful 3-bedroom, 1-bathroom cape style home is perfectly situated to enjoy the best of the Jersey Shore lifestyle. Step inside to discover a bright, inviting living space and abundant natural light. The main level features a bedroom, living room, family room dining room, a full bath and an eat in kitchen. Upstairs, you'll find two additional

    Eric Hoffman Keller Williams Realty East Monmouth

    204 W Sylvania Ave, Neptune, NJ 07753
  • /28

    $475,000

    • 3 Beds
    • 2 Baths

    72 Jackson St, Freehold, NJ 07728

    Charming 3-bed, 2-bath home in the heart of Freehold, NJ! Just under 1,200 sq ft, this well-maintained property features beautiful hardwood floors throughout and a functional layout perfect for comfortable living or investment. With two full bathrooms and spacious bedrooms, it offers excellent value and rental potential. Priced to sell—don't miss this opportunity to own in a desirable location

    John Anthony Scotto EXP Realty

    72 Jackson St, Freehold, NJ 07728
  • /32

    $625,000

    • 4 Beds
    • 2.5 Baths
    • 2,457 Sq Ft

    318 Bayview Ave, Union Beach, NJ 07735

    Look no further, this 2457 sf raised ranch on a double lot on a quiet street is your next home. This 4 bed, 2-1/2 bath home has wonderfully updated and maintained with spacious bedrooms and an open floor plan in the common areas ready for gathering and entertaining inside or on the deck (hot tub is staying). Love to entertain or need play space, check out the lower level with the wet bar and

    Karen Smith Keller Williams Realty Freehold

    318 Bayview Ave, Union Beach, NJ 07735
  • /17

    $1,200,000

    • 6 Beds
    • 7 Baths
    • 5,695 Sq Ft

    147 Church St, Middletown Township, NJ 07718

    A unique investment opportunity with significant multi-family and residential development potential is now available in the Belford section of Middletown. Situated in an R7 zone where commercial use is permitted, this offering spans three contiguous parcels and includes a fully operational funeral home with an outstanding reputation for compassionate service in the community.The rear lot,

    Isaac Nussbaum Real Broker, LLC- Toms River

    147 Church St, Middletown Township, NJ 07718
  • /79

    $2,699,000

    • 6 Beds
    • 4 Baths
    • 4,730 Sq Ft

    1413 Gully Rd, Wall Township, NJ 07753

    New to the market comes one of the most incredible properties in the entire Jersey Shore area. Long, private driveway leads to almost 4 acres of completely private and tranquil property on the Glendola Reservoir with some of the BEST WATER VIEWS you'll ever see! Spacious 4,700 sq. ft. custom Shore Colonial features 4-car garage, 2 Master Bedrooms, Gourmet Kitchen, partially finished Basement,

    Gregory Rice Coldwell Banker Realty

    1413 Gully Rd, Wall Township, NJ 07753

Showing Results 601 - 640, Page 16 of 18

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