Homes for Sale near David Gregory School

• 

  

  

  /50

  $1,498,000

  • 5 Beds
  • 4 Baths

  11 Katharina Place, Township of Washington, NJ 07676

  Live the Resort Lifestyle Every Day! Tucked away on a quiet cul-de-sac in one of the areaa€TMs most desirable neighborhoods, this exceptional 5-bedroom Colonial offers the ultimate blend of luxury, comfort, and convenience. From its striking curb appeal to the show-stopping backyard oasis, this home is a rare find. Step inside to a beautifully designed interior with elegant formal living and

  Ghada Abbasi Coldwell Banker, Ridgewood

  

  11 Katharina Place, Township of Washington, NJ 07676
• 

  

  

  /27

  $1,399,000

  • 3 Beds
  • 3.5 Baths

  230 Knickerbocker Rd, Tenafly, NJ 07670

  Welcome to 230 Knickerbocker Road, in the desirable town of Tenafly! Once you step inside this Move-In-Ready home, all youa€TMll need to do is unpack! This unique home is stunning with high-end upgrades throughout. It will exceed your expectations in every way. The property offers 1800 sq feet on a beautiful resort like setting. This is the home youa€TMll want to entertain guests by the patio, or

  Gina Gregory Century 21 Calabrese Realty

  

  230 Knickerbocker Rd, Tenafly, NJ 07670
• 

  

  

  /43

  $625,000

  • 3 Beds
  • 1.5 Baths

  281 4th Ave, Westwood, NJ 07675

  Charming Farmhouse Colonial with Modern Touches! This beautiful farmhouse colonial offers stunning curb appeal, timeless character, and modern charm. From the inviting front porch to the private backyard oasis, every detail is designed for comfort and stylea€”just move right in, everythinga€TMs already been done for you! The main level features a living room, a versatile office or bedroom, a

  Josephine DeBartolo Keller Williams Valley Realty

  

  281 4th Ave, Westwood, NJ 07675
• 

  

  

  /3

  $485,000

  • 4 Beds
  • 2 Baths

  307 Schepis Ave, Saddle Brook, NJ 07663

  Welcome to Saddle Brooka€TMs Hidden Gem! Situated in one of the areaa€TMs most sought-after neighborhoods, this charming 4-bedroom, 2-bath home offers unbeatable value and location. With over 1,400 square feet, you'll enjoy spacious rooms, great curb appeal, and thoughtful updates including a newer roof, windows, hot water heater, and furnace. Perfectly located just minutes from top-rated

  Joseph Kapon RE/MAX Properties Select

  

  307 Schepis Ave, Saddle Brook, NJ 07663
• 

  

  

  /31

  $2,850,000 Open Mon 4:30PM - 7PM

  • 5 Beds
  • 4.5 Baths

  33 Woodfield Ln, Saddle River, NJ 07458

  Coming Soon a€“ Showings Begin 8/2! Welcome to this beautifully maintained spacious 5-bedroom, 4.5-bath home, perfectly located in prestigious Saddle River, Designed for all ages and lifestyles, this inviting property offers quiet luxury, a flexible entertainment layout, and effortless indoor-outdoor living. A brand-new 6-bedroom septic system (install 8/2025) adds tremendous value and future

  Jack Yao Realmart Realty, LLC

  

  33 Woodfield Ln, Saddle River, NJ 07458
• 

  

  /31

  $799,000

  • 4 Beds
  • 2 Baths

  571 Laurel Rd, Ridgewood, NJ 07450

  Welcome to this charming 4-bedroom, 2-full-bath Cape Cod home located in the highly sought-after Somerville/Dada€TMs Night neighborhood! Featuring a recently renovated kitchen and deck, this home is perfect for entertaining both inside and out. The light-filled first floor boasts gleaming hardwood floors, a bright and airy layout, and two comfortable bedrooms, while the second floor offers two

  Megan Murphy Keller Williams Village Square Realty

  

  571 Laurel Rd, Ridgewood, NJ 07450
• 

  

  /50

  $1,278,777

  • 5 Beds
  • 5 Baths

  15 Oak Trail Rd, Hillsdale, NJ 07642

  Exquisite 5-BR Expanded Tandy-Allen Ranch featuring a Resort-Like Backyard in the Heart of Hillsdale! Set on over an acre of serene, professionally landscaped property, this home offers beautiful curb appeal and luxurious living inside and out. Step into a warm, welcoming foyer that leads to a bright, open floor plan featuring gleaming hardwood floors throughout. The formal living room with a

  Paula Clark Keller Williams Valley Realty

  

  15 Oak Trail Rd, Hillsdale, NJ 07642
• 

  

  /31

  $795,000

  • 4 Beds
  • 2.5 Baths

  279 Washington Ave, Dumont, NJ 07628

  WELCOME HOME! This fully renovated and well-laid-out split-level is located in the heart of charming Dumont. This home offers a spacious open floor plan with hardwood floors throughout. First Level: Bright living room, formal dining room, and a newly updated eat-in kitchen (EIK) with a peninsula, quartz countertops, and stainless steel appliances. Second Level: Features two spacious bedrooms and

  Anas Dara Coldwell Banker, Ridgewood

  

  279 Washington Ave, Dumont, NJ 07628
• 

  

  /26

  $799,000

  • 4 Beds
  • 2.5 Baths

  12 Lakeview Ave, Rochelle Park, NJ 07662

  Only 3 years young! New Home on New Foundation has all the extra space and storage you need! This home features Open Concept Layout with Hardwood Flooring throughout. Large Windows allow in plenty of Natural Light! Bonus Family Room feature and 2nd floor laundry add to your everyday convenience. Each bedroom has their own walk-in closet! Primary ensuite has a large, spacious and modern primary

  Merna Testino Keller Williams Town Life

  

  12 Lakeview Ave, Rochelle Park, NJ 07662
• 

  

  /43

  $497,450

  • 2 Beds
  • 1.5 Baths

  16 American Legion Terrace, Dumont, NJ 07628

  WELCOME TO THIS STUNNING DUPLEX! EXPERIENCE THE PERFECT BLEND OF LUXURY AND EFFICIENCY IN THIS BEAUTIFULLY DESIGNED HOME. EVERY DETAIL HAS BEEN THOUGHTFULLY CURATED W/PREMIUM FINISHES AND ULTIMATE COMFORT. STEP INSIDE THE BRIGHT AND INVITING LR, WHICH SEAMLESSLY OPENS TO THE DINING AREA FEATURING A BREAKFAST NOOK FOR MORNING COFFEE. FIND A GOURMET KITCHEN WITH CUSTOM WOOD CABINETRY, QUARTZ

  Roberta Gomez Whitley Realty

  

  16 American Legion Terrace, Dumont, NJ 07628
• 

  

  /26

  $549,000

  • 3 Beds
  • 1 Bath

  878 Lincoln Ave, Maywood, NJ 07607

  Welcome to 878 Lincoln Avenue, a charming 3-bedroom, 1-bath Cape Cod in the heart of Maywood. Set on a 50x100 lot, this move-in-ready home offers a newly updated kitchen with granite countertops, stainless steel appliances, and a Bosch dishwasher. The open-concept layout features a spacious living room and dining area with sliders leading to a deck, perfect for entertaining or relaxing in the

  Richard Solimando Keller Williams Valley Realty

  

  878 Lincoln Ave, Maywood, NJ 07607
• 

  

  /26

  $549,000

  • 3 Beds
  • 1 Bath

  407 Golf Ave, Maywood, NJ 07607

  Move in ready colonial with great character throughout, on one of Maywood's most desired streets! Features include open layout from large living rm to the dining rm & to the eat in kitchen w/corian counters. Terrific Bonus Sunroom overlooks the backyard perfect for relaxing in the late summer days! 3 BRs on the 2nd flr with HUGE kingsize primary BR! Hardwood flrs. Large unfinished bsmt w/bonus rm

  Sheldon Neal RE/MAX Real Estate Limited

  

  407 Golf Ave, Maywood, NJ 07607
• 

  

  /41

  $599,888

  • 2 Beds
  • 1 Bath

  16 Sullivan Dr, Emerson, NJ 07630

  Welcome to this beautifully updated and meticulously maintained open concept ranch, offering the ease of single level living with modern touches throughout. This inviting home features 2 spacious bedrooms and 1 modern full bathroom, thoughtfully designed for comfort and functionality. The heart of the home is the bright, sun drenched living space where the kitchen, dining and family room flow

  Christian Di Stasio Prominent Properties Sotheby's International Realty-Tenafly

  

  16 Sullivan Dr, Emerson, NJ 07630
• 

  

  /37

  $810,000

  • 4 Beds
  • 3.5 Baths

  316 Colonial Blvd, Township of Washington, NJ 07676

  Move In Ready! Welcome to this beautifully updated Center Hall Cape Cod, located in one of the area's most sought-after neighborhoods. Perfectly situated with easy access to major highways, shopping, dining, and everyday conveniences, this home offers the best of comfort and location. Boasting 4 bedrooms and 3.5 bathrooms, this home combines classic charm with modern updates. The newly renovated

  Margaret Neary Terrie O'Connor Realtors-Saddle River

  

  316 Colonial Blvd, Township of Washington, NJ 07676
• 

  

  /5

  $249,000

  • 1 Bath

  15-21 Plaza Rd Unit D, Fair Lawn, NJ 07410

  Welcome to this bright and airy second-floor studio apartment, featuring an open floor plan that maximizes both comfort and functionality. This unit offers a stylish layout ideal for modern living. Enjoy the convenience of being just steps away from shops, cafes, public transportation, and everything the neighborhood has to offer. Whether you're working from home or exploring the area, this

  Anna Lepishina Prominent Homes Realty, LLC

  

  15-21 Plaza Rd Unit D, Fair Lawn, NJ 07410
• 

  

  /17

  $619,900

  • 3 Beds
  • 2.5 Baths

  260 Sherman Ave, Teaneck, NJ 07666

  Charming spacious colonial with beautiful natural woodwork and hardwood floors throughout. After entering through the front vestibule featuring two benches, the first floor features large living room with den/family room/office. Large formal dining room with Pella sliding door to enclosed oversize rear porch with screen/storm windows, leading out to large yard with two large decks, great for

  Matt Goldman Russo Real Estate

  

  260 Sherman Ave, Teaneck, NJ 07666
• 

  

  /33

  $1,400,000

  • 4 Beds
  • 3.5 Baths

  40-03 Taylor Rd, Fair Lawn, NJ 07410

  Welcome to this amazing new house built on an existing foundation. Colonial style home, great curb appeal and quality construction. Very large kosher kitchen with plenty of cabinet space, dual sinks, dual dishwashers and dual ovens. Breakfast are with sliding door leading to a large deck overlooking the amazing 123 feet deep property. The second floor features large master bedroom with master

  Bruria Laura Bussi Weichert Realtors, Tenafly-Cresskill

  

  40-03 Taylor Rd, Fair Lawn, NJ 07410
• 

  

  /49

  $1,125,000

  • 3 Beds
  • 3 Baths

  447 Summit Ave, Oradell, NJ 07649

  For those dreaming of a life that blends beauty, creativity, and convenience, this enchanting cedar shake saltbox in Oradella€TMs coveted "Latchstring" neighborhood is a rare find. Set on nearly half an acre of manicured grounds - complete with a koi pond, storybook landscaping, and majestic backyard - this early 1900s home feels like a luxurious storybook estate, overflowing with character,

  Aryana Oveissi Christie's International Real Estate Group-Summit

  

  447 Summit Ave, Oradell, NJ 07649
• 

  

  /22

  $639,000

  • 4 Beds
  • 2 Baths

  155 Liberty Rd, Teaneck, NJ 07666

  BACK IN THE MARKET!!!! Move- in Ready Corner Lot 4 BRs 2 Full Bath with Excellent Location for NYC commuters blocks away from Knickerbocker Country Club, just bring your personal belonging and move in. Tastefully updated with gorgeous hardwood flooring throughout the house. First Floor features Large Master BR, 2nd BR and Full Bath. The second floor features two additional BRs. Large Privatively

  Francisco Alcantara Century 21 A.G. Realty Group

  

  155 Liberty Rd, Teaneck, NJ 07666
• 

  

  /18

  $540,000

  • 2 Beds
  • 1.5 Baths

  1161 Kensington Rd, Teaneck, NJ 07666

  Charming Cape Cod, in the prime West Englewood section of Teaneck, with major expansion potential. Currently one-floor living featuring an updated kitchen with stainless steel appliances, granite countertops, and ample cabinetry. Spacious living room with fireplace, two large bedrooms, and one oversized full bath with separate shower stall. Full-length unfinished basement with 0.25 batha€”sink

  Barbara Page Keller Williams Valley Realty

  

  1161 Kensington Rd, Teaneck, NJ 07666
• 

  

  /25

  $569,000

  • 4 Beds
  • 1.5 Baths

  830 Soldier Hill Rd, Emerson, NJ 07630

  Experience this 4 Bedroom Colonial situated in the highly sought-after section of Emerson located in a strollable area with sidewalks within 15 miles to NYC! The First Floor features an Open Concept Floor Plan offering gorgeous hardwood flooring all-throughout, a large Living Room, Formal Dining Room, Kitchen with Stainless Steel Appliances, custom Backsplash, plenty of Cabinet space & convenient

  EVAN MEGNIN KELLER WILLIAMS - NJ METRO GROUP

  

  830 Soldier Hill Rd, Emerson, NJ 07630
• 

  

  /8

  $650,000

  • Land
  • 0.00 Acre

  291 Lake Shore Dr, Haworth, NJ 07641

  Rare Opportunity: 14,624 SF Buildable Lot with Town-Approved Plans! Unlock the potential of this spacious 14,624 square foot buildable lot, located in a highly desirable subdivision. This rare offering comes complete with concept plans already approved by the town, streamlining your path to construction. Whether you're a developer, investor, or planning to build your dream home, this property is

  Tamar Rapaport Keller Williams Town Life

  

  291 Lake Shore Dr, Haworth, NJ 07641
• 

  

  /8

  $1,350,000

  • 4 Beds
  • 2 Baths

  287 Lake Shore Dr, Haworth, NJ 07641

  Presented by The Rapaport. Investor Special: Home + Buildable Lot a€“ 2 Parcels, 1 Profitable Opportunity Seize this rare opportunity to acquire two separately deeded parcels totaling 29,250 SF in an approved subdivision a€” perfect for immediate income and future development. 13,626 SF Lot with Existing Home, generate rental income right away or renovate for resale. Solid structure with strong

  Tamar Rapaport Keller Williams Town Life

  

  287 Lake Shore Dr, Haworth, NJ 07641
• 

  

  /13

  $688,000

  • 4 Beds
  • 2 Baths

  287 Lake Shore Dr, Haworth, NJ 07641

  Presented by The Rapaport Group 9178481784 4-Bedroom Home on Generous 13,626 Sq Ft Lot in Desirable Haworth, NJ Perfectly situated on one of Hawortha€TMs main streets, this 4-bedroom, 2-bath home sits on a deep and beautifully maintained 13,626 sq ft property, offering a rare combination of space and location. A welcoming front porch adds character and curb appeal, while inside, the home offers a

  Tamar Rapaport Keller Williams Town Life

  

  287 Lake Shore Dr, Haworth, NJ 07641
• 

  

  /47

  $749,000

  • 3 Beds
  • 2.5 Baths

  26 O Neil St, Bergenfield, NJ 07621

  Welcome to this stunning 3-bedroom, 2.5-bathroom home that perfectly blends comfort and style. Step into an inviting open - concept living space filled with natural light, ideal for both relaxing and entertaining. The modern kitchen features sleek countertops, stainless steel appliances, and ample cabinetry perfect for the home chef. Upstairs, you'll find three spacious bedrooms. Enjoy outdoor

  Jorge Velasquez RE/MAX Professionals 1

  

  26 O Neil St, Bergenfield, NJ 07621
• 

  

  /44

  $808,777

  • 4 Beds
  • 3 Baths

  68 Lincoln Ave, Westwood, NJ 07675

  Beautiful 4-BR Center Hall Colonial with Gorgeous In-Ground Pool in Westwood! Welcome to this move-in ready gem featuring a spacious and inviting foyer. The modern, bright eat-in kitchen includes white cabinetry, granite countertops, a peninsula breakfast bar, stainless steel appliances, and a picture window that fills the space with natural light. The formal dining room features French doors to

  Paula Clark Keller Williams Valley Realty

  

  68 Lincoln Ave, Westwood, NJ 07675
• 

  

  /6

  $490,000

  • 3 Beds
  • 1 Bath

  46 Tenney Ave, River Edge, NJ 07661

  A Rare Gem with Rich History in a Prime Location a€“ Sold As Is Step into timeless potential with this one-of-a-kind historic home, originally built in 1927 as the very first model residence by the towna€TMs visionary developer. Located in one of the most sought-after communities, this architectural treasure is ready to be brought back to its former glory. Offered in As Is condition and in need

  Lynda Ann Fritsch Century 21 Concept 100

  

  46 Tenney Ave, River Edge, NJ 07661
• 

  

  /48

  $749,000

  • 3 Beds
  • 2.5 Baths

  26 Oneil St, Bergenfield, NJ 07621

  Welcome to this stunning 3-bedroom, 2.5-bathroom residence perfectly blends modern comfort with timeless style. Step into a bright and airy open-concept living space, ideal for both everyday living and entertaining. The sleek, modern kitchen is a chef's delight, featuring stainless steel appliances, quartz countertops, and ample cabinet space. Upstairs, you'll find three generously sized

  KLARY SOLORZANO RE/MAX PROFESSIONALS I

  

  26 Oneil St, Bergenfield, NJ 07621
• 

  

  /48

  $525,000

  • 3 Beds
  • 2 Baths

  124 Washington Ave, Elmwood Park, NJ 07407

  Welcome to 124 Washington Ave - a beautifully expanded Cape Cod full of warmth, style, and modern comforts. This 3-bedroom, 2-bath home is ideally situated on a fenced corner lot. Step inside to find gleaming hardwood floors, bay windows, and recessed lighting throughout the main living spaces. The open-concept kitchen and dining area features rich granite countertops, stainless steel appliances,

  JUSTIN MARCHESE Aldo's Realty

  

  124 Washington Ave, Elmwood Park, NJ 07407
• 

  

  /31

  $798,000

  • 4 Beds
  • 2.5 Baths

  699 Kent Ave, Teaneck, NJ 07666

  Amazing 4 bed colonial so close to center of Teaneck and 2 blocks to Cedar Lane. Bus stop at corner of Kent and River and blocks to Terhune Park. This home was lovingly cared for and the Living Room has a gas fireplace and custom brick wall. The Dining Room and Rec Room are adjacent and all have gleaming hardwood floors. The Rec room has a 1/2 bath. The kitchen is oversized with a separate

  Louis Pennacchio KELLER WILLIAMS METROPOLITAN

  

  699 Kent Ave, Teaneck, NJ 07666
• 

  

  /32

  $725,000

  • 3 Beds
  • 1 Bath

  143 Delmar Ave, Glen Rock, NJ 07452

  Curb appeal abounds at this well-maintained ranch-style home featuring a living room, dining area, and a light-filled family room with a cozy gas fireplace. The modern kitchen is a chefa€TMs delight, offering shaker-style cabinetry, neutral colored granite countertops, a gas stove with oven, an additional double oven, and a breakfast bara€”perfect for enjoying your morning coffee. The

  Nekije Rizvani Keller Williams Village Square Realty - Wyckoff

  

  143 Delmar Ave, Glen Rock, NJ 07452
• 

  

  /15

  $575,000

  • 3 Beds
  • 1 Bath

  134 Highview Place, Bogota, NJ 07603

  Discover this beautifully renovated 3-bedroom home in the heart of Bogota, NJ, perfect for modern living. Featuring fresh paint, new flooring throughout, a brand-new kitchen with sleek cabinets, granite countertops, and new appliances, plus a fully updated bathroom with a stylish new vanity. The spacious living and dining rooms offer ample space for entertaining, while the full unfinished

  Ruben Moya Synergy Realty Group

  

  134 Highview Place, Bogota, NJ 07603
• 

  

  /27

  $540,000

  • 2 Beds
  • 3 Baths

  175 Rochelle Ave Unit 321, Rochelle Park, NJ 07662

  Welcome to Windsor Court Condominiums! A luxury (80 unit) midrise featuring a gated ground level parking garage, an elegant lobby, community room and, fitness center. This 3rd floor 2-story penthouse boasts 2 bedrooms, 3 full baths, and a spacious loft perfect for relaxing with room for an in-home office. Open concept dining room and living room have hardwood floors and a vaulted ceiling. French

  Stephanie Sotell-Lesslauer Keller Williams Village Square Realty

  

  175 Rochelle Ave Unit 321, Rochelle Park, NJ 07662
• 

  

  /21

  $425,000

  • 1 Bed
  • 1.5 Baths

  521 Piermont Ave Unit 225, Rivervale, NJ 07675

  This sophisticated apartment delights from first entry. It offers a bright open floor plan allowing for personalization of an extensive living space. Similarly, the bedroom is oversized and ensuite with two walk-in closets and an updated two room bath. A half bath offers additional convenience. Large sliders from the living area access a 30 ft. bslcony with beautiful views. Just completed

  REGINA SHEERAN COLDWELL BANKER REALTY

  

  521 Piermont Ave Unit 225, Rivervale, NJ 07675
• 

  

  /26

  $635,000

  • 3 Beds
  • 2 Baths

  101 Large Ave, Hillsdale, NJ 07642

  Charming and beautifully updated home in the heart of Hillsdale! This 3-bedroom, 2 full bathroom home offers warmth, character, and smart updates throughout. The bright living room flows into a cozy dining area, creating a great space for everyday living and entertaining. The renovated kitchen features stylish cabinetry, updated appliances, and an efficient layout designed for both function and

  Deborah Felder Coldwell Banker, Fort Lee

  

  101 Large Ave, Hillsdale, NJ 07642
• 

  

  /45

  $1,050,000 Open Wed 5PM - 8PM

  • 5 Beds
  • 3.5 Baths

  39-05 Knott Terrace, Fair Lawn, NJ 07410

  Welcome to this immaculate and thoughtfully designed home at 39-05 Knott Terrace, offering an exceptional blend of comfort and convenience. This property, in truly pristine condition, provides ample living space across multiple levels, perfect for modern lifestyles. The first floor boasts a flowing layout, featuring a bright living room, an elegant dining room, a well-appointed kitchen, and a

  Partha Panwala Christie's International Real Estate Group-HoHoKus-Ridgewood East

  

  39-05 Knott Terrace, Fair Lawn, NJ 07410
• 

  

  /36

  $760,000

  • 3 Beds
  • 3 Baths

  17 Wilson St, South Hackensack, NJ 07606

  Dona€TMt miss this incredible opportunity to own a beautifully renovated and spacious two-family home in a prime residential neighborhood just minutes from NYC trains and buses, making it a commutera€TMs dream! This charming residence offers the perfect blend of comfort, functionality, and convenience. The first-floor unit features a thoughtfully designed layout with generous bedrooms, a full

  Nancy Polio Signature Realty NJ LLC

  

  17 Wilson St, South Hackensack, NJ 07606
• 

  

  /29

  $750,000

  • 4 Beds
  • 4 Baths

  314 Salem St, New Milford, NJ 07646

  Welcome to 314 Salem Street, a distinguished residence nestled in the heart of New Milford, NJ. This meticulously renovated home offers four spacious bedrooms and four modern bathrooms, perfectly designed to accommodate a variety of lifestyles. The property boasts elegant hardwood floors throughout, providing a warm and inviting atmosphere. The recently updated kitchen is a culinary enthusiast's

  Roi Klipper Corcoran Infinity Properties, Ridgewood

  

  314 Salem St, New Milford, NJ 07646
• 

  

  /25

  $659,000

  • 4 Beds
  • 2 Baths

  548 Bryant Place, Rivervale, NJ 07675

  This adorable 4 bedroom, 2 full bath cape cod style home set on a quiet side street, welcomes you to River Vale! Closeby to the heart of town this charming home is perfect for first time buyers or downsizers, offering one floor living with the primary bedroom and a full bath on the first floor. Cute porch, nice size yard with deck, one car garage and part finished basement with rec room. With

  Dawn Buldo Keller Williams Valley Realty

  

  548 Bryant Place, Rivervale, NJ 07675
• 

  

  /10

  $179,999

  • 1 Bed
  • 1 Bath

  985 Teaneck Rd Unit 1J, Teaneck, NJ 07666

  1 bedroom co-op with comfortable living space on the 1st floor. This bright unit features an open layout, generous room size, and ample closet space throughout. Convenient on-site laundry is available in the building. Centrally located near shopping, dining, parks, schools, houses of worship, and major highways. A commuters dream, there are plenty of public transit options available to NYC or

  Karen Seliger Vera & Nechama Realty

  

  985 Teaneck Rd Unit 1J, Teaneck, NJ 07666

Showing Results 81 - 120, Page 3 of 16