5,071

Ranch Style Homes for Sale in New York

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  • /44

    $249,900

    $15K PRICE DROP
    • 4 Beds
    • 3 Baths
    • 1,680 Sq Ft

    795 Tiona Rd, Newark Valley, NY 13811

    Nestled on a sprawling 3-acre lot in Newark Valley, this property features 1,680 sqft of versatile livingspace. A standout highlight is the massive detached structure, currently configured for equestrian use buteasily convertible into an expansive double garage. Additionally, the residence includes a convenientattached garage for seamless access. The interior offers a functional

    Derek Greene Listing by The Greene Realty Group

    795 Tiona Rd, Newark Valley, NY 13811
  • /22

    $674,900

    • 3 Beds
    • 2.5 Baths
    • 2,499 Sq Ft

    105 Yoruk Forest Ln Unit 5, Rush, NY 14543

    Rare opportunity to own a nearly completed custom-built ranch on over 6.24 private acres in Rush with desirable Rush-Henrietta schools. Offering 2,499 sq ft, this home features an open-concept layout and is ready for the next owner to bring their personal vision to life.The great room showcases a cathedral ceiling, transom windows, and a designated space for a gas fireplace, creating a bright

    Jack Rosati Listing by RE/MAX Realty Group

    105 Yoruk Forest Ln Unit 5, Rush, NY 14543
  • /50

    $599,999

    $25K PRICE DROP
    • 3 Beds
    • 3 Baths
    • 3,038 Sq Ft

    3212 Lockport Rd, Oakfield, NY 14125

    1st TIME OFFERED!!! Picture yourself in this Custom-built Craftsman style ranch home!! This gorgeous home features over 3,000 sq.ft. of living area. The owners built this beautiful home in 1999 with all of the bells and whistles!! A chef's delight kitchen with Quartz counters, center island, custom cabinetry and all NEW appliances in 2025, enjoy eating in the formal dining room with built in

    John Gerace Listing by Gerace Realty LLC

    3212 Lockport Rd, Oakfield, NY 14125
  • /36

    $750,000

    • 5 Beds
    • 3 Baths

    339 Halbert Dr, Holbrook, NY 11741

    Welcome to this beautiful 5-bedroom, 3-bathroom expanded ranch that seamlessly blends space, comfort, and contemporary updates. Nestled on a quiet street, this home features an inviting open layout and a fully finished basement, perfect for relaxation and entertainment. The impressive upstairs extension, completed in 2015, has three spacious bedrooms and two luxurious full bathrooms, including a

    LeighAnn deGroot Signature Premier Properties

    339 Halbert Dr, Holbrook, NY 11741
  • /9

    $650,000

    New Construction
    • 3 Beds
    • 2 Baths
    • 1,817 Sq Ft

    36 Lyndon Rd, Queensbury, NY 12804

    QUEENSBURY SPEC HOME by Foothills Builders. This 1,817 SF ranch style home is slated to be constructed in the desirable Rolling Ridge neighborhood, and will be ready Summer 2026. It offers an open-concept layout with 3 bedrooms and 2 bathrooms. Set on a spacious 0.75-acre lot, it features quality finishes and thoughtful upgrades throughout. Enjoy proximity to Lake George and convenient access to

    Matthew Rafferty Realize Brokers

    36 Lyndon Rd, Queensbury, NY 12804
  • /21

    $525,000

    $74K PRICE DROP
    • 3 Beds
    • 1 Bath
    • 888 Sq Ft

    1 Pine Rd, Middle Island, NY 11953

    This newly three-bedroom Ranch fully renovated on a corner lot property fully fenced. Driveway re-done all cement. All wood flooring throughout the house, Waser/Dryer hook up. New electrical system. Great starter home or looking to downsize. Low taxes close to all shopping and hospitals nearby. Don't let this opportunity pass you by.

    Eman Prestyly H & G Realty New York

    1 Pine Rd, Middle Island, NY 11953
  • /25

    $569,900

    • 4 Beds
    • 2 Baths
    • 2,432 Sq Ft

    263 Riley Rd, New Windsor, NY 12553

    Great investment opportunity or live in one unit and rent out the other! Set back off the road on 1.3 private acres, this well-maintained two-family property offers strong income potential with below-market rents and separate utilities for each unit. Ample parking plus additional off-street parking and a large detached finished garage provide excellent flexibility for tenants or owner use. Each

    Jeffrey Lyons Curasi Realty, Inc.

    263 Riley Rd, New Windsor, NY 12553
  • /36

    $649,500

    New Construction
    • 4 Beds
    • 3 Baths
    • 3,000 Sq Ft

    TBD Crawford St, Pine Bush, NY 12566

    NEW CONSTRUCTION at a Great Value for 3000 sq ft right outside of Pine Bush - Experience modern design and high quality craftsmanship in this stunning home offering approximately 3,000 sq ft, 4 bedrooms, and 3 full baths. The MAIN LEVEL features an open concept layout with soaring 16’ ceilings, spacious bedrooms, and a private primary suite with vaulted ceiling, walk-in closet, and a beautifully

    Philip Barnao eXp Realty

    TBD Crawford St, Pine Bush, NY 12566
  • /32

    $1,095,000

    • 3 Beds
    • 2 Baths
    • 1,217 Sq Ft

    277 South Blvd, Nyack, NY 10960

    Perched high in the historic Upper Grandview community, this mid-century modern ranch captures sweeping Hudson River views and the iconic Mario Cuomo Bridge, illuminated in changing colors each evening against the river skyline. Set on a scenic hillside surrounded by natural beauty and neighboring state parkland, this three bedroom, two bath home, offers a rare opportunity to own a piece of one

    Bobbie Procida Ellis Sotheby's Intl Realty

    277 South Blvd, Nyack, NY 10960
  • /30

    $549,000

    • 3 Beds
    • 1.5 Baths
    • 1,478 Sq Ft

    48 Upton Dr, Sound Beach, NY 11789

    The search is over! Welcome to 48 Upton Drive, Sound Beach. An immaculate move in ready ranch style home located in Miller Place School district. 48 Upton is close to shopping, amazing restaurants, beaches and other places and space to enjoy. Recent updates include new paver walkway and patio, concrete driveway, full property vinyl fencing, chimney and liner, gutters, deck, builders' windows

    Marlene Patti Signature Premier Properties

    48 Upton Dr, Sound Beach, NY 11789
  • /28

    $285,000

    • 3 Beds
    • 2 Baths
    • 1,200 Sq Ft

    6403 Milles Dr, Rome, NY 13440

    Welcome home to 6403 Milles Drive in Rome, NY! Enjoy low Town of Lee taxes and close proximity to Griffiss Business and Technology Park, Chobani, MVCC, Delta Reservoir, and Town of Lee Park. This 3-bedroom, 2-bath home offers an easy, all-one-level layout with the kind of flow that just makes sense. It has been fully renovated from top to bottom over the past 10 years including all new windows,

    Sara Willis Listing by Howard Hanna Real Estate

    6403 Milles Dr, Rome, NY 13440
  • /40

    $235,000

    $14K PRICE DROP
    • 2 Beds
    • 1 Bath
    • 910 Sq Ft

    65 Dania Dr, Buffalo, NY 14225

    Cozy 2 bedroom brick ranch on quiet neighborhood street. Bright, open living spaces with hardwood floors through out. Large fully applianced eat in kitchen. Enjoy a fully fenced backyard with a welcoming patio- Great for outdoor dinging and entertaining. Practical updates include new hot water tank. Attached Garage for convenience and extra storage. WELCOME HOME!!!

    Robert Platek Listing by WNY Metro Roberts Realty

    65 Dania Dr, Buffalo, NY 14225
  • /24

    $519,000

    Coming Soon
    • 2 Beds
    • 1 Bath
    • 920 Sq Ft

    22 Salem Place, Copiague, NY 11726

    This well-cared for beauty on a quiet block may be just what you are looking for! Thoughtfully renovated, open-concept, bright and airy 2 bedroom + bonus room ranch boasts brand new vinyl siding. This move-in ready gem brings with it an updated kitchen w/ granite counter and large butcher block peninsula for breakfast and/or cook prep. The dining area has sliders leading to a generous outside

    John Roach Realty Values NY

    22 Salem Place, Copiague, NY 11726
  • /49

    $425,000

    • 3 Beds
    • 2.5 Baths
    • 2,164 Sq Ft

    5046 Bradbury Dr, Syracuse, NY 13215

    Sophisticated & High-End!Welcome to this stunning, completely transformed 2,164 sq. ft. white-washed brick ranch, perfectly situated on a gorgeous, sprawling one-acre lot in Onondaga Hill. No detail has been overlooked in this top-to-bottom renovation, featuring gleaming refinished hardwoods, stylish barn-style closet doors, brand-new bedroom carpeting, and modern lighting throughout. The

    Theresa Arnold Listing by Coldwell Banker Prime Prop,Inc

    5046 Bradbury Dr, Syracuse, NY 13215
  • /19

    $138,500

    $20K PRICE DROP
    • 2 Beds
    • 1 Bath
    • 1,096 Sq Ft

    18 Hillside Place, Highland, NY 12528

    Looking for a great opportunity? Look no more! This property has tons of potential and is average in living space size for the neighborhood. It is located close to main roads with easy access to local amenities, such as shopping, banking, schools, and various eateries. Per our bpo/tax describe the property as a SFR (ranch) built in 1950. It has a GLA of approx. 1096 and has 2 bedrooms and 1bath,

    Christopher Rose Listing by REALHome Services & Solutions

    18 Hillside Place, Highland, NY 12528
  • /20

    $284,995

    $15K PRICE DROP
    • 3 Beds
    • 2 Baths
    • 1,798 Sq Ft

    772 Bear Swamp Rd, Peru, NY 12972

    Well-maintained ranch set on a .23-acre lot. Bright living room features a cozy natural gas stove. The open kitchen offers granite countertops, stainless steel appliances, and flows seamlessly into the dining area and adjoining office space. A spacious family room with sliding doors leads to a deck overlooking the backyard--great for relaxing or entertaining. The primary suite includes a private

    Brandy McDonald Century 21 The One

    772 Bear Swamp Rd, Peru, NY 12972
  • /15

    $649,000

    • 2 Beds
    • 2 Baths
    • 1,064 Sq Ft

    347 E Pine St, Long Beach, NY 11561

    Welcome to 347 East Pine Street beautifully updated 2 bedroom Ranch with a versatile den, perfectly situated in Long Beach's desirable East End. This inviting residence features a new kitchen, new bathrooms, new pluming and electrical too with modern finishes, ideal for both everyday living and entertaining. The spacious living room/dining room combination offers an open, airy layout filled with

    Maryann Milovcic Douglas Elliman Real Estate

    347 E Pine St, Long Beach, NY 11561
  • /48

    $779,900

    • 3 Beds
    • 3 Baths
    • 2,028 Sq Ft

    340 Osceola Rd, Jefferson Valley, NY 10535

    Experience modern living in this masterfully updated 3-bedroom, 3-bathroom home nestled in the sought-after Yorktown area — ideally positioned for those who love the outdoors, with easy access to local bike trails, Fahnestock State Park, and FDR State Park just minutes away. Set on a beautifully landscaped, park-like property that feels like a private oasis, this exceptional home blends natural

    Christine Ricci Keller Williams NY Realty

    340 Osceola Rd, Jefferson Valley, NY 10535
  • /14

    $139,000

    • 0.5 Baths
    • 1,053 Sq Ft

    888 New York 41, Smithvle Flts, NY 13841

    Set on 5.6 acres with road frontage, this open floor plan ranch offers tons of potential — currently used as a commercial space, it could easily convert to a full time home or getaway. With a well, electric, gas hot water, oil heat, and sheds for outdoor storage, the essentials are in place. Just 30 mins to Cortland, 45 mins to Binghamton, and close to Stump Pond and Cincinnatus Lake, it's a

    Nicole LaMacchia Signature Premier Properties

    888 New York 41, Smithvle Flts, NY 13841
  • /26

    $387,000

    $12K PRICE DROP
    • 3 Beds
    • 2 Baths
    • 2,344 Sq Ft

    135 Andrus St, Malone, NY 12953

    Come view this outstanding, newer ranch style home on 3.59 acres with extensive river frontage on Salmon River. Home sets back off road, for complete privacy. Walls are poured concrete with geothermal heating and hot water and in floor radiant heat. Home features spacious heating area, great for entertaining and 3 large bedrooms. Home has 2 baths with custom hickory cabinets and vanities.

    Ed Legacy North Country Realty

    135 Andrus St, Malone, NY 12953
  • /50

    $389,900

    • 3 Beds
    • 2.5 Baths
    • 1,820 Sq Ft

    390 Otis Ln, Cape Vincent, NY 13618

    This beautiful large ranch home is only 20 years old, located just outside the village limits (no village taxes), and around the corner from the historic Tibbets Point Lighthouse! This home offers single floor living with an open floor plan perfect for entertaining. Enter in from the covered front porch into the foyer that offers a large double door coat closet, to the left is an oversized living

    Jennifer Waite Listing by Hometown Real Estate Services

    390 Otis Ln, Cape Vincent, NY 13618
  • /29

    $469,000

    • 3 Beds
    • 2 Baths
    • 1,976 Sq Ft

    231 New York 208, New Paltz, NY 12561

    Welcome to this charming ranch home, offering comfort, flexibility, and breathtaking mountain views. Beautiful hardwood floors flow throughout the main level, while the inviting living room features a cozy fireplace perfect for relaxing evenings. The eat-in kitchen offers generous built-in pantry space and abundant storage, making everyday living both functional and convenient.The first floor

    Dawn Passante Coldwell Banker Village GreenN

    231 New York 208, New Paltz, NY 12561
  • /26

    $1,599,999

    • 8 Beds
    • 5 Baths
    • 2,800 Sq Ft

    16118 122nd Ave, Jamaica, NY 11434

    This remarkable new two-family home offers 2,800 square feet of living space (excluding the basement) sitting on a 40x100 lot. It features eight generous bedrooms and five stylish bathrooms. Central air conditioning ensures year-round comfort, with elegant chandeliers enhancing the aesthetic. Complete with a fireplace, which creates a perfect gathering space. The fully finished basement, with

    Brandon Nandalall Prestige Homes NY Inc

    16118 122nd Ave, Jamaica, NY 11434
  • /27

    $230,000

    • 2 Beds
    • 2.5 Baths
    • 1,206 Sq Ft

    421 Elmhaven Dr, Vestal, NY 13850

    421 Elmhaven is a 2 bedroom ranch centrally located, with a layout that’s anything but cookie cutter. Step inside and check out the new black vinyl tile throughout the main floor and epoxy finished basement floors. You’ll find standout features including a dedicated office space, first floor laundry, walk-in bathtub, and a thorough home security system! Closet and storage space are NOT limited

    Nadia Murphy HOWARD HANNA

    421 Elmhaven Dr, Vestal, NY 13850
  • /42

    $499,000

    $101K PRICE DROP
    • 3 Beds
    • 1 Bath
    • 1,300 Sq Ft

    6 Rugby Dr, Shirley, NY 11967

    Discover 6 Rugby Drive in Shirley with stunning WATERVIEWS of the bay, a resort-style backyard, and major upgrades already done. This is a lifestyle on the south shore of Long Island where everyday living feels like a weekend getaway. This move in ready home feels bright, modern, and has an open concept, with 2 bedrooms and 1 full bath (previously configured as a 3 bedroom). Highlights include

    Jessica Tenney Realty Connect USA L I Inc

    6 Rugby Dr, Shirley, NY 11967
  • /22

    $878,000

    $10K PRICE DROP
    • 6 Beds
    • 2 Baths
    • 1,875 Sq Ft

    2 Dwarf Ln, Wantagh, NY 11793

    In the ‘D’ section of Wantagh - The Gateway to Jones Beach - sits a Levittown expanded and dormered ranch that boasts 6 bedrooms and 2 full baths. There is an updated kitchen, complete with granite countertops that includes a double sided fireplace which adds comfort and ambiance to both the kitchen and den / formal dining room. An additional room is perfect for a formal living room. Relax in an

    Edna Jade Go Realty Connect USA LLC

    2 Dwarf Ln, Wantagh, NY 11793
  • /24

    $969,990

    110-03 Guy R Brewer Blvd Unit 40, Jamaica, NY 11433

    Raj Marajh RAJ MARAJH REALTY LLC

    110-03 Guy R Brewer Blvd Unit 40, Jamaica, NY 11433
  • /31

    $139,000

    $21K PRICE DROP
    • Land
    • 3.6 Acres
    • $38,611 per Acre

    0 Yellow Lake Drive Lpt, Rossie, NY 13679

    Lakefront Escape on Yellow Lake! Enjoy 3.6 acres of peace and privacy with this 3-bedroom fully furnished cabin overlooking scenic Yellow Lake — a true outdoor paradise! Whether you love duck hunting, fishing, kayaking, water and winter sports, this spot has it all. Cozy up after a day on the water or spend evenings taking in the views from your own slice of the North Country. Year-round fun and

    Stacy Faunce Listing by Keller Williams Northern New York

    0 Yellow Lake Drive Lpt, Rossie, NY 13679
  • /26

    $1,600,000

    $50K PRICE INCREASE
    • 5 Beds
    • 4.5 Baths
    • 4,292 Sq Ft

    4 Hilltop Place, Monsey, NY 10952

    One of a kind, contemporary custom home, located in the heart of Monsey, this exceptional ranch offers 5 bedrooms and 4.5 bathrooms with thoughtful design, high-end finishes, and outstanding functionality throughout. The main level welcomes you with a marble-floored foyer leading to a formal dining room and a beautifully appointed office with rich wood-paneled walls. The open Italian kitchen is a

    Lonna Ralbag Rodeo Realty Inc

    4 Hilltop Place, Monsey, NY 10952
  • /49

    $1,179,000

    Open Sat 2PM - 4PM
    • 5 Beds
    • 3 Baths
    • 2,576 Sq Ft

    119 Alhambra Rd, Massapequa, NY 11758

    Newly renovated waterfront home in Biltmore Shores featuring stunning end-of-canal views and 45 feet of bulkhead. Located in a quiet beach community in South Massapequa, this property offers beach access just down the road and is within close proximity to Massapequa Lake with scenic public trails including the Bethpage bikeway. Optional membership to the Biltmore Shores Beach Club provides access

    Salvatore Dicristo Signature Premier Properties

    119 Alhambra Rd, Massapequa, NY 11758
  • /2

    $990,000

    $80K PRICE DROP
    • 3 Beds
    • 1.5 Baths
    • 1,146 Sq Ft

    151-67 27th Ave, Flushing, NY 11354

    Discover this charming detached residence perfectly situated in one of Northern Flushing/Whitestone most coveted enclaves. Nestled on a quiet, picturesque tree-lined block, this property offers the ultimate balance of suburban tranquility and modern city convenience.

    Jun Hua Xu Winzone Realty Inc

    151-67 27th Ave, Flushing, NY 11354
  • /29

    $265,000

    Open Sat 11:30AM - 12:30PM $10K PRICE DROP
    • 4 Beds
    • 2 Baths
    • 1,440 Sq Ft

    1013 Main St, Vestal, NY 13850

    Welcome to 1013 Main Street, a fully renovated ranch offering the ultimate in single-level living — no stairs, no compromise. The primary bathroom is a true retreat with exquisite tile work and a luxurious soaker jet tub, while the second full bathroom features a walk-in shower — perfect for guests or those with mobility needs. Generously sized bedrooms offer ample closet and storage space

    Vincent Lucenti EXIT REALTY HOMEWARD BOUND

    1013 Main St, Vestal, NY 13850
  • /21

    $799,999

    • 3 Beds
    • 2 Baths
    • 2,123 Sq Ft

    750 Shore Walk, Lindenhurst, NY 11757

    OPPORTUNITY TO CREATE YOUR DREAM WATERFRONT HOME IN THE VILLAGE OF LINDENHURST. THIS FEMA-COMPLIANT, RAISED INLINE RANCH IS MID-CONSTRUCTION WITH THE FRAME ALREADY IN PLACE AND PLANS FULLY APPROVED. THE PROPOSED LAYOUT OFFERS 3 BEDROOMS, INCLUDING A PRIMARY SUITE WITH AN ENSUITE BATH AND WALK-IN CLOSET, 2 FULL BATHROOMS, AND A SPACIOUS OPEN-CONCEPT MAIN LEVEL WITH VAULTED CEILINGS, DESIGNED FOR A

    Nicolas Barberio Realty Advisors Inc

    750 Shore Walk, Lindenhurst, NY 11757
  • /42

    $699,990

    • 3 Beds
    • 2 Baths
    • 1,650 Sq Ft

    6 Canterbury Ct, East Setauket, NY 11733

    Nestled on a quiet cul-de-sac in one of East Setauket's most charming neighborhoods, 6 Canterbury Court is the kind of home where life's most treasured moments unfold — holidays around the table, birthdays, lazy summer afternoons, and everything in between. This warm and inviting 3-bedroom, 2-bath ranch has been lovingly cared for and is ready to welcome its next chapter. Beautiful hardwood

    Kate Works Compass Greater NY LLC

    6 Canterbury Ct, East Setauket, NY 11733
  • /50

    $1,500,000

    • 4 Beds
    • 3.5 Baths
    • 3,312 Sq Ft

    9 Abbey Woods Unit PVT, Pittsford, NY 14534

    SPECTACULAR ARCHITECT-DESIGNED! THIS RARE, ONE-OF-A-KIND PROPERTY OFFERS PITTSFORD ONE-FLOOR LIVING AT ITS BEST! LOCATION! LOCATION! LOCATION! SET ON OVER 1+ ACRES OF A PRIVATE NATURE PARADISE! WORTHY OF BEING FEATURED IN ARCHITECTURAL DIGEST... THIS LUXURY, HIGH-END CONTEMPORARY RANCH HOME HAS IT ALL! A STUNNING BRICK FRONT WITH A CIRCULAR DRIVEWAY, BEAUTIFUL PAVER WALKWAY, AND EXQUISITE

    Rich Testa Listing by Howard Hanna

    9 Abbey Woods Unit PVT, Pittsford, NY 14534
  • /16

    $177,000

    • 2 Beds
    • 1 Bath
    • 1,180 Sq Ft

    57 Maple Ave, Fredonia, NY 14063

    Quaint 2 bedroom, 1 bath ranch style home. 2 car detached garage and plenty of outdoor space. Bright home with plenty of window light and a cozy wood burning fireplace. A cute place to call home. Nice patio to enjoy outdoor activities. More pictures coming. Conveniently located in the Village of Fredonia, near SUNY Fredonia, close to shopping and Lake Erie.

    Jackie Hills Listing by Premier Realty & Investments

    57 Maple Ave, Fredonia, NY 14063
  • /48

    $385,000

    $40K PRICE DROP
    • 2 Beds
    • 1 Bath
    • 884 Sq Ft

    669 N Division St, Peekskill, NY 10566

    A fully renovated 2-bedroom home with bonus space and true expansion potential. Step inside to an updated main level featuring a modern kitchen with quartz countertops, a bright living area, and two comfortable bedrooms. Downstairs, the full walkout basement opens up several possibilities — home office, recreation room, guest space, or extended living. A previous bathroom was removed, but all

    Bryan Dale eXp Realty

    669 N Division St, Peekskill, NY 10566
  • /40

    $2,650,000

    • 3 Beds
    • 2 Baths
    • 1,800 Sq Ft

    56765 Route 48, Greenport, NY 11944

    Beautiful, expansive soundfront retreat offering rare, direct waterfront access with no bluff and sweeping 180-degree panoramic views. Set on .75 acres, this exceptional 3-bedroom, 2-bath home features a waterside gunite pool perfectly positioned to capture breathtaking sunsets over the Sound. The interior showcases modern finishes and an open-concept layout designed for effortless indoor-outdoor

    Kris Pilles East End Luxury Ltd

    56765 Route 48, Greenport, NY 11944
  • /63

    $835,000

    New Construction
    • 3 Beds
    • 2 Baths
    • 2,150 Sq Ft

    116 Schuurman Rd, Castleton-On-hudson, NY 12033

    SPEC HOME READY NOW!!!! Welcome to your new home, a thoughtfully designed residence that seamlessly balances your everyday needs with your aesthetic desires. Experience the harmonious blend of modern luxury and rustic charm in a curated kitchen, ideal for both entertaining and intimate gatherings.The primary suite offers a spa-like retreat, featuring a bathroom that marries sleek minimalism

    Cynthia Ward KW Platform

    116 Schuurman Rd, Castleton-On-hudson, NY 12033
  • /2

    $1,100,000

    $11M PRICE DROP
    • 3 Beds
    • 3 Baths
    • 2,523 Sq Ft

    63 Pennsylvania Ave, Massapequa, NY 11758

    This is a lovely mother daughter home located in Massapequa .

    Michelle Littrean Lettre Realty Inc

    63 Pennsylvania Ave, Massapequa, NY 11758

Showing Results 641 - 680, Page 17 of 18

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