Rural Homes for Sale in New York

• 

  

  

  /45

  $175,000

  • 4 Beds
  • 2 Baths
  • 1,870 Sq Ft

  248 New York 58, Harrisville, NY 13648

  33 acres Land with 4 Bed 2 Bath Home for Sale, Fine NY! Adirondack Living with Acreage in St. Lawrence County! This property is located on the northern edge of the Adirondack Park and offers the perfect opportunity for country living or a recreational retreat. Situated in a rural setting just outside the hamlet of Fine NY, it offers the luxury of country life with all the amenities. The 1870

  Kirk Goodrow NY OUTDOOR REALTY LLC

  248 New York 58, Harrisville, NY 13648
• 

  

  

  /10

  $49,995

  • Land
  • 12 Acres
  • $4,098 per Acre

  1.19 Mud Brook Rd Unit 19, Lewis, NY 13325

  This 12.2-acre parcel features rolling woodlands overlooking a large wildlife beaver pond - very picturesque and scenic. Located on a seasonal woods road, the property is well suited for an off-grid getaway cabin or hunting camp. An existing interior trail system could be used for nature walks or hunting. The area offers excellent Northern Tier hunting with plenty of signs of deer and gamebirds

  Daniel Christmas CHRISTMAS AND ASSOCIATES INC

  1.19 Mud Brook Rd Unit 19, Lewis, NY 13325
• 

  

  

  /9

  $49,995

  • Land
  • 12 Acres
  • $4,166 per Acre

  1.17 Mud Brook Rd Unit 17, Lewis, NY 13325

  This quiet wooded parcel is perfect for recreational use and features Northern hardwood and hemlock forest framing a large wildlife pond with gently rolling topography. An existing interior trail system could be used for nature walks or hunting. The area offers excellent Northern Tier hunting with plenty of signs of deer and gamebirds on the land. Also, the land is close to Fish Creek and several

  Daniel Christmas CHRISTMAS AND ASSOCIATES INC

  1.17 Mud Brook Rd Unit 17, Lewis, NY 13325
• 

  

  

  /74

  $699,900

  • 2 Beds
  • 1 Bath
  • 1,152 Sq Ft

  2070 Watkins Rd, Moravia, NY 13118

  Whitetail Properties Real Estate is proud to present the gorgeous acres of the Finger Lakes Exotic Farm! Currently operating as a high fence hunting preserve, this land presents a multitude of opportunities for the aspiring entrepreneur, farmer, hunting enthusiast, private estate holder, wildlife/farm-animal breeder, or anyone yearning to take advantage of the unique beauty and spirit New York's

  Timothy Kent WHITETAIL PROPERTIES REAL ESTATE LLC (NY)

  2070 Watkins Rd, Moravia, NY 13118
• 

  

  

  /33

  $59,900

  • Land
  • 3.50 Acres
  • $17,114 per Acre

  268 Potic Mountain Rd, Catskill, NY 12414

  A Great 3.5 Acre Parcel in a Beautiful Setting! Build a home or a retreat on this nice rural parcel. There is a well and an old septic system from a mobile home that has since been removed. The parcel has great proximity to the area's destinations and attractions as it's 7 minutes to Green Lake, 15 minutes to the Village of Catskill, Dutchman's Landing Park, & the Hudson River, 12 minutes to the

  Theodore Banta III RVW Select Properties

  268 Potic Mountain Rd, Catskill, NY 12414
• 

  

  /10

  $53,400

  • Land
  • 11 Acres
  • $4,855 per Acre

  11A County Rd 16, Smyrna, NY 13464

  Spacious 11+/- acre country lot on County Route 16, located just down the road from Beaver Meadow State Forest. The property is two tax parcels, offering ample road frontage and plenty of elbow room to build a home (or two!) in a rural setting. It's an easy commute to Sherburn, Norwich, or Cortland, making it a convenient location for both work and relaxation. Also listed as individual lots

  Allen Olmsted Listing by Canaan Realty

  

  11A County Rd 16, Smyrna, NY 13464
• 

  

  /5

  $24,900

  • Land
  • 5 Acres
  • $4,882 per Acre

  L9.8 County Rd 16, Smyrna, NY 13464

  This 5-acre country lot on County Route 16 is located just down the road from Beaver Meadow State Forest. With over 300 feet of road frontage, it offers a great spot to build a home or enjoy some space in a rural setting. It's an easy commute to Sherburn, Norwich, or Cortland, making it a convenient location for both work and relaxation. A second lot next door could also be purchased for over 11

  Allen Olmsted Listing by Canaan Realty

  

  L9.8 County Rd 16, Smyrna, NY 13464
• 

  

  /5

  $28,500

  • Land
  • 7 Acres
  • $4,254 per Acre

  L9.7 County Rd 16, Smyrna, NY 13464

  This 6+ acre country lot on County Route 16 is located just down the road from Beaver Meadow State Forest. With over 300 feet of road frontage, it offers a great spot to build a home or enjoy some space in a rural setting. It's an easy commute to Sherburn, Norwich, or Cortland, making it a convenient location for both work and relaxation. A second lot next door could also be purchased for over 11

  Allen Olmsted Listing by Canaan Realty

  

  L9.7 County Rd 16, Smyrna, NY 13464
• 

  

  /79

  $260,000

  • Land
  • 34 Acres
  • $7,605 per Acre

  268 Hervey Street Rd, East Durham, NY 12423

  A Beautiful 34.2 Acre Parcel of Land with an Old Dilapidated Cabin. The property is in the charming rural area of Durham. Currently, there's a road, electricity, 1 well, 2 cleared sites, septic plans, and constructions plans for up to 8 luxury container homes. It has great proximity to the area's destinations and attractions as it's only 12 minutes to Windham Ski Mountain, 20 minutes to Hunter

  Theodore Banta III RVW Select Properties

  268 Hervey Street Rd, East Durham, NY 12423
• 

  

  /53

  $2,500,000

  • Land
  • 79 Acres
  • $31,774 per Acre

  1091 Albany Post Rd, Gardiner, NY 12525

  Unveiling a Hidden Gem in Gardiner: Where Luxury Meets Endless Possibilities! Nestled in the heart of Gardiner, this meticulously restored Cape Cod home is a perfect blend of timeless elegance and modern comfort. Boasting 2,200 square feet of beautifully designed living space, this home offers an unparalleled living experience from the moment you step inside. The inviting living room,

  Kyla Thomas Howard Hanna Rand Realty

  1091 Albany Post Rd, Gardiner, NY 12525
• 

  

  /55

  $2,500,000

  • 2 Beds
  • 5 Baths
  • 2,331 Sq Ft

  1091 Albany Post Rd, Gardiner, NY 12525

  Unveiling a Hidden Gem in Gardiner: Where Luxury Meets Endless Possibilities! Nestled in the heart of Gardiner, this meticulously restored Cape Cod home is a perfect blend of timeless elegance and modern comfort. Boasting 2,200 square feet of beautifully designed living space, this home offers an unparalleled living experience from the moment you step inside. The inviting living room,

  Kyla Thomas Howard Hanna Rand Realty

  1091 Albany Post Rd, Gardiner, NY 12525
• 

  

  /16

  $129,000

  • Land
  • 29 Acres
  • $4,448 per Acre

  100 Judd Rd, Windsor, NY 13865

  29 acres in Windsor, NY, a nice rural lot with a high field with views and tons of road frontage! Most of the property has woods and excellent deer hunting. There are plenty of possible building sites and the land is located in a nice section of the countryside. Take a drive by and take a look. Oil & Gas rights were sold off a long time ago and do not convey to a new owner. Over 3,100 feet of

  Christopher Gross UPPER DELAWARE REAL ESTATE

  100 Judd Rd, Windsor, NY 13865
• 

  

  /40

  $479,900

  • 4 Beds
  • 4 Baths
  • 3,246 Sq Ft

  179 Vandenburgh Point Rd, Gloversville, NY 12078

  INVESTORS!! One of a kind rare opportunity: Beautiful rural setting with very nice updated 4 family home along with 5 lot (nicely spaced ) trailer court. 2 lots occupied and 3 available. One unit is owned by owner of property and rents for $900 month other lot is rented for $500 month and 3 are available at $500 per month. Apt house consists of 4 one bedroom apts and down apt has dining room..

  Santo Russo Howard Hanna Capital Inc

  179 Vandenburgh Point Rd, Gloversville, NY 12078
• 

  

  /3

  $134,900

  • Land
  • 0.50 Acre
  • $269,800 per Acre

  30 Givens Ln, Fishkill, NY 12524

  Escape to serenity with this expansive parcel of land in the country, which offers plenty of space & the perfect canvas to build your dream home. Here, you can enjoy the peace and wildlife that define country living while remaining conveniently located to all local amenities. Your rural retreat awaits; come and see what the future could hold. This lot has been approved for a single family home

  Kathleen Carey Joncar Realty Inc

  30 Givens Ln, Fishkill, NY 12524
• 

  

  /15

  $649,000

  • Land
  • 1.17 Acres
  • $554,701 per Acre

  Unlisted Address

  Wonderful Opportunity to own a shy 1.2 Acre lot with both Residential and Commercial possibilities. This land is in the Rural Corridor (RLC) Zoning jurisdiction, and allows for various uses such as Agricultural Production, Antique and Craft Stores, Retail Stores or Shops, Nurseries, Museums, Libraries, Schools, Places of Worship, Parks and Playgrounds, Single-Family and Two-Family Houses.

  Richard Connelly Douglas Elliman Real Estate

  Unlisted Address
• 

  

  /24

  $60,000

  • Land
  • 2.59 Acres
  • $23,166 per Acre

  L26.213 New York 66, Poestenkill, NY 12018

  PRICE IMPROVEMENT! BUY NOW AND BREAK GROUND BEFORE END OF SUMMER!!Charming Country Setting in Averill Park School District...Nestled in a serene country setting, this 2.59-acre parcel offers a perfect blend of privacy and convenience. Located within the highly sought-after Averill Park School District, this picturesque property provides ample space for your dream home, gardens, or

  Amy Magur KW Platform

  L26.213 New York 66, Poestenkill, NY 12018
• 

  

  /4

  $12,500

  • Land
  • 0.70 Acre
  • $17,857 per Acre

  197 Moss Rd, Lewis, NY 12950

  Imagine waking up each morning to the soft glow of dawn as it bathes the landscape in golden hues. Envision your future home with large windows that capture the panoramic views of the countryside, a spacious deck where you can sip your morning coffee as the world awakens, or a cozy fire pit where you can gather with loved ones under a canopy of stars.This property is not just a piece of

  Richard Yeager NY Living Realty

  197 Moss Rd, Lewis, NY 12950
• 

  

  /36

  $349,500

  • 3 Beds
  • 2 Baths
  • 1,570 Sq Ft

  11831 K Francis Kellogg Ln, Adams, NY 13605

  Charming country ranch home offering 3 bedrooms, 2 full bathrooms, and an open concept layout. Features include a cozy living room, a bright kitchen with ample counter space, and a dining area. The home is freshly painted and new carpet its move in ready. There is a full basement that could be finished to add to your living space and a paved driveway with a turn around. Situated on a 2 acre lot

  Karen Peebles Listing by Berkshire Hathaway HomeServices CNY Realty Watn

  

  11831 K Francis Kellogg Ln, Adams, NY 13605
• 

  

  /6

  $12,500

  • Land
  • 0.70 Acre
  • $17,857 per Acre

  L37.100 Moss Rd, Lewis, NY 12950

  Despite its seclusion, this property does not sacrifice connectivity. The rural location offers a respite from the hustle and bustle, yet is within reach of local amenities and community hubs. It's a retreat that keeps you grounded but never isolated, a balance that is truly the best of both worlds. Utility lines, except water and sewer, run along the public road.

  Richard Yeager NY Living Realty

  L37.100 Moss Rd, Lewis, NY 12950
• 

  

  /8

  $50,000

  • Land
  • 4.90 Acres
  • $10,204 per Acre

  L36 County Route 358, Rensselaerville, NY 12147

  Embrace the serenity of 4.9 acres with views of the Northern Catskills and Ski Windham that could be the backdrop to your dream home. Nestled in a prime location, this property offers the perfect blend of rural tranquility and urban convenience. Just a short drive to Albany and a scenic 2.5-hour journey to the heart of NYC, a few minutes to the historic village of Rensselaerville, it's ideal for

  Judith Gabler Gabler Realty, LLC

  L36 County Route 358, Rensselaerville, NY 12147
• 

  

  /10

  $39,995

  • Land
  • 5 Acres
  • $7,366 per Acre

  1.6 Marsh Rd Unit 6, Erin, NY 14838

  Located in Erin, NY on a plowed town road with access to power, this 5-acre property would make an excellent building location for a rural country home or getaway cabin. Grassy meadows at the roadside lead uphill to scattered woodlands. Erin is located in the Finger Lakes region, known for its wineries, restaurants, art and history museums and small-town charm - only 35 minutes to Seneca Lake and

  Daniel Christmas CHRISTMAS AND ASSOCIATES INC

  1.6 Marsh Rd Unit 6, Erin, NY 14838
• 

  

  /33

  $250,000

  • 2 Beds
  • 1.5 Baths
  • 1,680 Sq Ft

  238 Mcewan Rd, Canajoharie, NY 13317

  Country Living at Its FinestThis 30+ acre property offers the perfect blend of rural charm and modern convenience. The home, though currently undergoing a transition, boasts a cozy interior and a spacious deck overlooking the above-ground pool. The small barn and pond add to the property's rustic appeal, making it ideal for horse enthusiasts or those seeking a peaceful

  Brenda Hill Roundtop Realty LLC

  238 Mcewan Rd, Canajoharie, NY 13317
• 

  /2

  $165,000

  • Land
  • 19 Acres
  • $8,518 per Acre

  1750 Youngstown Lockport Rd, Ransomville, NY 14131

  19.37 ACRES W/1352' OF FRONTAGE ON ROUTE #93 TO BE DIVIDED FROM A LARGER PARCEL. ZONED RURAL AGRICULTURAL, A PORTION OF THIS ACREAGE IS PART OF A CONSERVATION PROGRAM WITH SOME RESTRICTIONS. PARCEL IS MOSTLY OPEN LAND WITH A SMALL PORTION OF WOODS AND HEDGEROW. MANY POSSIBILITIES. SIGNS IN PLACE. DRIVE BY TODAY.SEE RELATED LISTINGS B1627665 & B1627621.

  Louis Faery Listing by HUNT Real Estate Corporation

  

  1750 Youngstown Lockport Rd, Ransomville, NY 14131
• 

  

  /14

  $2,400,000

  • Land
  • 24 Acres
  • $99,585 per Acre

  1117 Main Rd, Riverhead, NY 11901

  Formerly known as The Kubby Farm. This is a great opportunity to have multiple revenue streams or live/work. Over 24 acres with rural corridor use and Rb-80 zoning. There are multiple buildings on the property in need of TLC, including retail and a 1700's Farmhouse. Surrounded by development rights sold land yet close proximity to many amenities! Some uses include agricultural production, single

  Sheri Winter Parker Corcoran

  1117 Main Rd, Riverhead, NY 11901
• 

  

  /15

  $1,498,000

  • Land
  • 50 Acres
  • $29,663 per Acre

  4525 Cascade Rd, Lake Placid, NY 12946

  Remarkable and rare offering of a very special slice of the Adirondacks. Prime large acreage in Lake Placid conveniently located and easily accessible for a multitude of purposes. Several cleared level building areas with mixed woods surrounding and 100% privacy. Fantastic mountain views, bordering NYS forested lands and Mount Van Hoevenberg ski trails. Zoned rural use and resource management,

  Bob Miller Bob Miller Real Estate

  4525 Cascade Rd, Lake Placid, NY 12946
• 

  

  /17

  $499,000

  • 3 Beds
  • 1 Bath

  118 Hennett Rd, Valatie, NY 12184

  Nestled on four serene acres of rolling land in the heart of Valatie, this unique property offers a rare opportunity for those seeking to customize their dream home in a peaceful, rural setting. Located at 118 Hennett Road, this 3-bedroom, 1-bathroom home was originally built in 1973 as a single-level home, with a major expansion project started in 1990 to transform the single-level layout into a

  Alex Alvarez Compass Greater NY LLC

  118 Hennett Rd, Valatie, NY 12184
• 

  

  /17

  $64,900

  • Land
  • 11 Acres
  • $5,949 per Acre

  00 Parrott Rd, Veteran, NY 14824

  Looking for the perfect plot to build your dream home? Look no further! This expansive 10.91-acre parcel offers sweeping, unobstructed views to the south, overlooking the picturesque landscape of Horseheads, NY. Whether you're envisioning a private estate, a peaceful getaway, or a homestead, this beautiful open field provides the ideal canvas for endless possibilities. This property combines the

  Samuel Vergason Listing by Howard Hanna Horseheads

  00 Parrott Rd, Veteran, NY 14824
• 

  

  /3

  $79,900

  • Land
  • 2.12 Acres
  • $37,689 per Acre

  909 Washington St, Spencerport, NY 14559

  Discover the potential of this beautiful 2.12-acre lot in desirable Spencerport! Perfectly situated, this spacious parcel provides an ideal backdrop for your custom-built dream home or investment property. Enjoy the blend of rural tranquility and convenient access to Spencerport Village, schools, and main highways. The lot features a balance of open, level space with mature trees nearby for

  Robert Piazza-Palotto Listing by High Falls Sotheby's International

  

  909 Washington St, Spencerport, NY 14559
• 

  

  /19

  $55,000

  • Land
  • 4.30 Acres
  • $12,791 per Acre

  0 Red Hill Rd Unit ONEH6333772, Wurtsboro, NY 12790

  Road frontage 1800 feet. intersection of Red Hill Road and Dug Out Road Zoned Vacant Rural Residential great spot to have your camper trailer log cabin or getaway vacation home.even a new Tiney home. great area for deer hunting. streams to trout fish.check with building department at town of Mamakating for code rules and set backs to build or other get ok for a trailer or camper. take

  John Melchior Howard Hanna Rand Realty

  0 Red Hill Rd Unit ONEH6333772, Wurtsboro, NY 12790
• 

  

  /15

  $32,500

  • Land
  • 1.50 Acres
  • $21,667 per Acre

  4738 Roszyk Hill Lot #1 Rd, MacHias, NY 14101

  Building lot with Great View! 175' Road frontage and approximately 445' deep. 1.5 acres to be determined by survey.Open field bordered by treeline on Northeast side.Triangle shaped lot. Currently farming pasture, clay loam soil with slight to moderate slope. Looks down on the road,with a spectacular view pf surrounding hills, yet rural and private. Minutes to Route 16 or Rt 240. Short drive to

  David Zilker Listing by ERA Team VP Real Estate - Arcade

  

  4738 Roszyk Hill Lot #1 Rd, MacHias, NY 14101
• 

  

  /12

  $69,000

  • Land
  • 10 Acres
  • $6,832 per Acre

  L1.2 Carlisle Rd, Sprakers, NY 12166

  Nestled in the serene countryside of rural Montgomery County, NY, this beautiful 10-acre piece of unimproved land offers the perfect retreat. Enjoy breathtaking views of rolling hills, surrounded by the peace and quiet of nature. With abundant wildlife and ultimate privacy, this property is an ideal spot for those looking to escape the hustle and bustle of city life. Whether you're dreaming of a

  David Joseph Mahoney Berkshire Hathaway Home Services Blake

  L1.2 Carlisle Rd, Sprakers, NY 12166
• 

  

  /51

  $1,500,000

  • 4 Beds
  • 4 Baths
  • 6,052 Sq Ft

  100 Hunters Brae, Lockwood, NY 14859

  This stunning property spans over 83 acres and features a contemporary 4-bedroom. 4-bath home with energy-efficient geothermal heating and cooling, radiant in-floor heat, and a high-efficiency wood boiler. The open-concept kitchen and living area boasts 10-foot ceilings, granite counters, oak cabinets, and a deck overlooking the valley. The dining area has pocket doors and double trayed

  Kelly Sindoni Warren Real Estate-Elmira

  100 Hunters Brae, Lockwood, NY 14859
• 

  

  /50

  $999,999

  • 6 Beds
  • 5 Baths
  • 3,808 Sq Ft

  6331 Route 242 E Unit NYS, Ellicottville, NY 14731

  OWNER FINANCING AVAILABLE. Welcome to the exclusive multi-unit property nestled on a picturesque 2.38 ac estate, this residence combines country elegance with modern living. With 3 meticulously maintained independent living spaces, this property offers comfort & versatility for diverse lifestyles or investment opportunities. Unit 1 expands w/ its 2 bedroom, 2 bath layout, perfect for small

  David Blanchard Listing by Keller Williams Realty Lancaster

  

  6331 Route 242 E Unit NYS, Ellicottville, NY 14731
• 

  

  /50

  $150,000

  • 3 Beds
  • 1 Bath
  • 1,536 Sq Ft

  5 Mc Allister Ave, Antwerp, NY 13608

  Escape to the tranquility of country living with this adorable 3-bedroom 1 bath home, conveniently located just 20 minutes from Ft. Drum. This property offers the perfect blend of rural charm and modern amenities. ** Outdoor Space** Large yard with beautiful landscaping, perfect for gardening or entertaining. recent updates to the bathroom and some flooring throughout. More pictures to come.

  Vicky Taylor Listing by Berkshire Hathaway HomeServices CNY Realty Watn

  

  5 Mc Allister Ave, Antwerp, NY 13608
• 

  

  /21

  $262,500

  • 3 Beds
  • 2.5 Baths
  • 2,292 Sq Ft

  125 County Route 26a, Stuyvesant, NY 12173

  Charming two-bedroom, one-and-a-half-bathroom home in Stuyvesant, built in 1900, sitting on 2.2 acres of tranquil countryside. This house is brimming with original character, from its classic woodwork to the cozy fireplace, creating a warm and inviting atmosphere. It's waiting for new owners to bring it back to life with a little TLC, offering the perfect opportunity to restore its historic charm

  Savannah Miceli Century 21 Alliance-NP

  125 County Route 26a, Stuyvesant, NY 12173
• 

  

  /4

  $22,500

  • Land
  • 1.00 Acre
  • $22,500 per Acre

  261 Lyons Rd, Peru, NY 12901

  Blank canvas treed lot ready for development of your new home. Great location as within 10 minutes to Peru Boat Launch, Adirondack & Bluff Point golf courses & Airport. Quiet, rural location.Restriction: No Single Wides.

  Terry Jandreau Davidson Real Estate Group, LLC

  261 Lyons Rd, Peru, NY 12901
• 

  

  /18

  $519,000

  • Land
  • 42 Acres
  • $12,232 per Acre

  0 Westfall Rd Unit 154554, Ancram, NY 12502

  42-plus acres in the heart of Ancram, New York. Farmland rich in history. With varying topography changes, this wooded parcel offers multiple home site possibilities that will afford buyers options in how they choose to live. Begin your journey by turning down the iconic dead-end dirt road. Savor the calm of a picturesque rural setting as you arrive at the entrance of your future home. Walk the

  Michael Tellerday Houlihan Lawrence, Inc.

  0 Westfall Rd Unit 154554, Ancram, NY 12502
• 

  

  /20

  $3,900,000

  • Land
  • 108 Acres
  • $36,111 per Acre

  57 S Quaker Hill Rd, Pawling, NY 12564

  Seldom does a property like this become available. Two parcels totaling 108 acres create the most idyllic setting on Quaker Hill. Imagine a pastoral retreat blanketed by farmed fields, well-maintained trails, and productive land. With approximately 56 cleared acres, the possibilities are endless. Build your dream country estate, an extended family compound, or an equestrian paradise with ample

  Brian McGrath McGrath Realty Inc

  57 S Quaker Hill Rd, Pawling, NY 12564
• 

  

  /18

  $519,000

  • Land
  • 42 Acres
  • $12,232 per Acre

  0 Westfall Rd, Ancram, NY 12502

  42-plus acres in the heart of Ancram, New York. Farmland rich in history. With varying topography changes, this wooded parcel offers multiple home site possibilities that will afford buyers options in how they choose to live. Begin your journey by turning down the iconic dead-end dirt road. Savor the calm of a picturesque rural setting as you arrive at the entrance of your future home. Walk the

  Michael Tellerday Houlihan Lawrence Inc.

  0 Westfall Rd, Ancram, NY 12502
• 

  

  /7

  $49,900

  • Land
  • 4.91 Acres
  • $10,163 per Acre

  280 Breed Hill Rd, Crown Point, NY 12928

  In addition to the natural serenity, the rural location of this 4.91 acre building lot offers access to a multitude of outdoor and recreational opportunities. Explore nearby hiking trails, fishing and boating in nearby rivers and lakes or simply relax and take in the beauty that surrounds you. There is a pre-existing 550 sq ft structure on the property in need or repair or removal. Property is

  Casey King Julie & Co Realty, LLC

  280 Breed Hill Rd, Crown Point, NY 12928

Showing Results 601 - 640, Page 16 of 18