7,061

Luxury Homes for Sale in Philadelphia, PA

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  • /2

    $785,000

    • Land
    • 16,988 Sq Ft
    • $2,012,821 per Acre

    328 Manheim St, Philadelphia, PA 19144

    328 W Manheim Street — Development Opportunity in Germantown | RSA-2 Zoned Vacant Land (0.39 Acres)Philadelphia, PA Welcome to 328 W Manheim Street, an exceptional opportunity to secure 0.39 acres of vacant land in the heart of the Germantown section of Philadelphia. This expansive lot offers versatility, generous dimensions, and strong development potential — making it ideal for builders,

    Manny Adames Compass RE

    328 Manheim St, Philadelphia, PA 19144
  • /47

    $784,990 New Construction

    • 4 Beds
    • 4.5 Baths

    2318 E Hazzard St, Philadelphia, PA 19125

    Step into a world of exquisite living at 2318 Hazzard St , where an elegant, one-of-a-kind, new construction home awaits in the hottest and most desirable area of Fishtown! This meticulously crafted sanctuary is a true masterpiece, boasting approximately 3100 sq ft of living space, 4 beds, and 4 1/2 baths. As you enter, you'll be captivated by the radiant and expansive interior, adorned with

    Jona Rizaj OCF Realty LLC - Philadelphia

    2318 E Hazzard St, Philadelphia, PA 19125
  • /49

    $784,900

    • 4 Beds
    • 5 Baths
    • 2,040 Sq Ft

    952 N 5th St, Philadelphia, PA 19123

    Welcome to this beautifully renovated 4-bedroom, 3-bath home nestled in the vibrant heart of Northern Liberties. Combining modern luxury with the charm of one of Philadelphia's most sought-after neighborhoods, this home offers the perfect balance of style, convenience, and comfort. As you enter, you’ll immediately notice the open floor plan, designed for both everyday living and entertaining. The

    Agent Photo

    Nick DeLuca

    KW Empower

    (833) 579-2050

    952 N 5th St, Philadelphia, PA 19123
  • /31

    $784,900

    • 2 Beds
    • 2.5 Baths
    • 2,614 Sq Ft

    1425 Locust St Unit 32A, Philadelphia, PA 19102

    Unique opportunity to own a stunning Full Floor Penthouse residence in the Aria - one of the oldest Art Deco buildings in Philadelphia, designed by Edmund Gilchrist over a century ago. Full 360 views of the city from the 32nd floor overlooking many of the most iconic buildings in the Philadelphia skyline. The elevator opens directly into this stunning full floor residence - a rare luxury in the

    Caitlin Manzo BHHS Fox & Roach-Media

    1425 Locust St Unit 32A, Philadelphia, PA 19102
  • /29

    $780,000

    • 2 Beds
    • 1 Bath
    • 2,652 Sq Ft

    3754 Germantown Ave, Philadelphia, PA 19140

    Great Investment opportunity, Commercial building + Business. It's Large cormercial mixed-use building zoned CMX3 located at the busy intersection of w Butler st & Germantown Ave, close to N Broad st. Being sold "As-Is", condition. and it can also only sold Laundrymat business, washer machine 28+4 large , dryer machine 34. it is old store with steady cash flow. owner need to retired and sell it.

    Rong Dong Legacy Landmark Realty LLC

    3754 Germantown Ave, Philadelphia, PA 19140
  • /2

    $780,000 Coming Soon

    • Land
    • 3,049 Sq Ft
    • $11,142,857 per Acre

    521-525 Mifflin St, Philadelphia, PA 19148

    Rare South Philly offering at 521–523–525 Mifflin St featuring three separately deeded 16x68 parcels being sold together (Tax IDs: 011415100, 011415200, 011415300). The property includes one existing home and two vacant lots, offering exceptional flexibility for an end user or investor. The conservative After-Renovated Value for 525 Mifflin, the house, is $675k+, and pricing for the new

    Stacy Sanseverino KW Empower

    521-525 Mifflin St, Philadelphia, PA 19148
  • /2

    $780,000 Coming Soon

    • 4 Beds
    • 2 Baths
    • 1,954 Sq Ft

    521 Mifflin St, Philadelphia, PA 19148

    Rare South Philly offering at 521–523–525 Mifflin St featuring three separately deeded 16x68 parcels being sold together (Tax IDs: 011415100, 011415200, 011415300). The property includes one existing home and two vacant lots, offering exceptional flexibility for an end user or investor. The conservative After-Renovated Value for 525 Mifflin, the house, is $675k+, and pricing for the new

    Stacy Sanseverino KW Empower

    521 Mifflin St, Philadelphia, PA 19148
  • /23

    $779,999

    • 3 Beds
    • 4 Baths
    • 3,805 Sq Ft

    1545 W Passyunk Ave, Philadelphia, PA 19145

    This is a 2 Buildings at Great Location 1545-1547 w passyunk had been legally consolidated into one with address 1545 w passyunk. First Floor has 2 long term commercial units. Upstairs 2nd and 3rd floor has A Huge 3 bedrooms 1.5 bath apartment with private Deck with roof access to view Center City Skyline almost 2000 sqft living space spanning over both 1545-1547, tenant just vacated and

    Dat Duong Target Realty

    1545 W Passyunk Ave, Philadelphia, PA 19145
  • /32

    $779,900 New Construction

    • 4 Beds
    • 3.5 Baths
    • 2,700 Sq Ft

    269 Delmar St, Philadelphia, PA 19128

    Phase One is gone, Phase Two has begun! Still time to select your kitchen finishes! Welcome to Delmar MNYK, an 8 home new construction development offering 2 car parking, 10 year tax abatements, jaw dropping city views that sit above beautiful landscape, and UNRIVALED OUTDOOR SPACE! A LARGE commonly shared green space is the crowned jewel of this development. Spanning almost the size of the plot

    Michael Scipione Coldwell Banker Realty

    269 Delmar St, Philadelphia, PA 19128
  • /37

    $779,000 Open Sun 12PM - 1:30PM

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

    922 N Marshall St, Philadelphia, PA 19123

    Rare two-car parking, designer finishes, and an unbeatable Northern Liberties location—every box is checked with this one! This striking contemporary home offers over 2,800 square feet of finished living space, 4 bedrooms, 3.5 bathrooms, and two private outdoor spaces, including a stunning roof deck with skyline views. The sleek gray brick and modern siding façade sets the tone, while the 16’

    Matthew Ochs Space & Company

    922 N Marshall St, Philadelphia, PA 19123
  • /2

    $779,000

    • Studio
    • 2,836 Sq Ft

    923 Spring Garden St, Philadelphia, PA 19123

    Unique mixed-use opportunity on vibrant Spring Garden Street! This versatile 3-story property features a high-visibility commercial space on the first floor, ideal for retail, office, or studio use, and a spacious residential unit spanning the second and third floors. The upper levels offer 4 bedrooms, 2 full bathrooms, and 2 full kitchens—perfect for multi-generational living, rental income, or

    Mike Moss Mercury Real Estate Group

    923 Spring Garden St, Philadelphia, PA 19123
  • /2

    $779,000

    • Studio
    • 2,823 Sq Ft

    935 Spring Garden St, Philadelphia, PA 19123

    An exceptional mixed-use offering at 935 Spring Garden Street, this three-story gem blends commercial exposure with residential versatility. The first floor features a bright, street-facing retail space—ideal for a boutique, office, or creative studio. Above, the thoughtfully designed second floor boasts a spacious 2-bedroom, 1-bath apartment with a full kitchen, while the third floor provides a

    Mike Moss Mercury Real Estate Group

    935 Spring Garden St, Philadelphia, PA 19123
  • /2

    $779,000

    • Studio
    • 3,252 Sq Ft

    937 Spring Garden St, Philadelphia, PA 19123

    Exceptional mixed-use property in the heart of vibrant Spring Garden Street! This three-story building features a highly visible first-floor retail space—perfect for a boutique, office, or creative business—offering excellent exposure and steady foot traffic. The second and third floors comprise a spacious 4-bedroom, 2-bath residential unit with two full kitchens, ideal for multi-generational

    Mike Moss Mercury Real Estate Group

    937 Spring Garden St, Philadelphia, PA 19123
  • /2

    $779,000

    • Studio
    • 4,790 Sq Ft

    219-27 Spring Garden St, Philadelphia, PA 19123

    Prime mixed-use property on sought-after Spring Garden Street. The first floor features a high-visibility commercial retail space ideal for a variety of business uses. The second and third floors comprise a spacious 4-bedroom, 2-bath residential unit with a full kitchen, offering excellent potential for rental income or owner-occupancy. The residential space features a functional layout, ample

    Mike Moss Mercury Real Estate Group

    219-27 Spring Garden St, Philadelphia, PA 19123
  • /2

    $779,000

    • Studio
    • 2,304 Sq Ft

    933 Spring Garden St, Philadelphia, PA 19123

    Don’t miss this rare mixed-use gem on lively Spring Garden Street! The first floor offers a bright and versatile retail space with excellent street presence—perfect for a boutique, studio, or small business. Upstairs, the second and third floors feature a spacious 4-bedroom, 2-bath residence complete with two full kitchens, making it ideal for extended families, roommates, or rental flexibility.

    Mike Moss Mercury Real Estate Group

    933 Spring Garden St, Philadelphia, PA 19123
  • /42

    $775,000

    • 5 Beds
    • 3.5 Baths
    • 4,055 Sq Ft

    7804 00 Large St, Philadelphia, PA 19152

    Experience luxury and scale in this rare 10-year-young single-family home. Boasting over 4,000 sq. ft. of meticulously maintained living space, this full furnished 5-bedroom, 3.5-bathroom residence is the perfect blend of modern comfort and convenience. The expansive floor plan is designed for flexibility: the first floor features a formal living room, a full bath, and a versatile 5th bedroom or

    Mohammed Latif Premium Realty Group Inc

    7804 00 Large St, Philadelphia, PA 19152
  • /33

    $775,000

    • 6 Beds
    • 5 Baths
    • 5,608 Sq Ft

    6448 Cherokee St, Philadelphia, PA 19119

    Welcome to 6448 Cherokee Street, a truly impressive stone single-family home nestled in the heart of the desirable West Mount Airy neighborhood of Philadelphia. This substantial 3 story residence offers an exceptional blend of space, character, and functionality, making it ideal for those seeking room to live, work, and entertain. Boasting over 5,600 square feet of above-grade living space, the

    David Scialanca Coldwell Banker Realty

    6448 Cherokee St, Philadelphia, PA 19119
  • /47

    $775,000 Open Sat 12PM - 2PM

    • 5 Beds
    • 5 Baths
    • 4,100 Sq Ft

    523 Fairmount Ave, Philadelphia, PA 19123

    Step into a rare piece of Philadelphia history at 523 Fairmount Avenue, an exceptional 19th‐century residence built as part of the estate of Stephen Girard—one of the city’s most influential figures and the wealthiest man in America at that time. Set in the heart of Northern Liberties, this home offers a scale, level of renovation, and historic pedigree that are nearly impossible to find at this

    Michael Scipione Coldwell Banker Realty

    523 Fairmount Ave, Philadelphia, PA 19123
  • /32

    $775,000

    • 2 Beds
    • 2.5 Baths
    • 2,119 Sq Ft

    300 N 3rd St Unit 102, Philadelphia, PA 19106

    Presenting an exceptional 2,119 square foot, THREE-LEVEL, 2-bedroom plus den 2.5 bathroom condominium that delivers a refined and luxurious living experience. This pet-friendly residence includes DEEDED GARAGE PARKING and is thoughtfully designed to impress at every turn. Enter through the front entrance into a striking foyer that sets the stage for the elegance within. The main level stuns with

    Nancy Alperin MAXWELL REALTY COMPANY

    300 N 3rd St Unit 102, Philadelphia, PA 19106
  • /39

    $775,000

    • 3 Beds
    • 2.5 Baths
    • 2,700 Sq Ft

    3112 Pierview Ln, Philadelphia, PA 19125

    **Major Price Reduction – Now Offered at $785,000 ** Welcome to 3112 Pierview Lane. This stunning 3-bedroom, 2.5-bath townhouse is an extraordinary opportunity to enjoy contemporary design, state-of-the-art upgrades, and the perfect combination of city convenience with peaceful living. There are 7 years remaining on the tax abatement; this home has been kept in truly exceptional condition.

    Renee Paray Coldwell Banker Realty

    3112 Pierview Ln, Philadelphia, PA 19125
  • /28

    $775,000

    • Studio
    • 2,814 Sq Ft

    2318 S Broad St, Philadelphia, PA 19145

    Fantastic income-producing 4-unit property located right on South Broad Street! The first-floor commercial space has been converted into a residential apartment, making this a fully residential, legal 4-unit building. Each unit features updated hardwood floors throughout, providing modern appeal and low maintenance. Rent below Market. The owner pays water and heating, with one central heater

    Joey Fang Canaan Realty Investment Group

    2318 S Broad St, Philadelphia, PA 19145
  • /43

    $775,000

    • 3 Beds
    • 2.5 Baths
    • 2,924 Sq Ft

    119 Federal St, Philadelphia, PA 19147

    Nestled in the charming Pennsport neighborhood, this extra wide, exquisite contemporary townhouse offers a harmonious blend of luxury and comfort, perfect for those seeking an elevated lifestyle. Built in 2008, this meticulously designed residence spans an impressive 2,924 square feet, showcasing high-end finishes and thoughtful details throughout. Step inside where you will find the perfect

    Patricia Dunn EXP Realty, LLC

    119 Federal St, Philadelphia, PA 19147
  • /50

    $775,000

    • Studio
    • 3,318 Sq Ft

    1325 N Franklin St, Philadelphia, PA 19122

    Welcome to 1325 N Franklin Street — a true gem in the heart of Ludlow / Olde Kensington, one of Philadelphia’s most desirable and fast-growing neighborhoods! This quadruplex offers an incredible blend of comfort, income potential, and long-term appreciation surrounded by million-dollar new construction and vibrant city life. Step inside to discover four spacious units that all feel like home. The

    Jania Daniels Real of Pennsylvania

    1325 N Franklin St, Philadelphia, PA 19122
  • /40

    $775,000

    • 3 Beds
    • 3 Baths
    • 2,465 Sq Ft

    1147 53 N 4th St Unit 6E, Philadelphia, PA 19123

    ** NOW OFFERING 4.99% interest rate on qualified Buyers 1st year mortgage**Sleek Penthouse Loft at the Iconic Cigar Factory | 2+ Beds | 3 Baths | Skyline Views | 2,465+ SFWelcome to Penthouse 6E at the historic Cigar Factory—a true New York-style loft in the heart of Northern Liberties. This stunning sixth-floor residence spans over 2,465 square feet and embodies the ultimate blend of

    Michele Cooley BHHS Fox & Roach-Center City Walnut

    1147 53 N 4th St Unit 6E, Philadelphia, PA 19123
  • /50

    $775,000 Open Tue 5:30PM - 7:30PM

    • 4 Beds
    • 3.5 Baths
    • 3,400 Sq Ft

    2368 E Norris St, Philadelphia, PA 19125

    Stunning new construction in one of Philadelphia’s most desirable neighborhoods, offering the perfect blend of modern design, luxury finishes, and everyday convenience. This newly completed 4-bedroom, 3.5-bath residence showcases a bright, open-concept layout with 10-foot ceilings, wide-plank white oak flooring, and a striking architectural staircase that sets the tone from the moment you enter.

    Chelsey Stiles KW Empower

    2368 E Norris St, Philadelphia, PA 19125
  • /13

    $775,000 New Construction

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

    1839 N Hancock St, Philadelphia, PA 19122

    HOMEBUYER LOAN PROGRAM OFFERING $5,000 LENDER CREDIT, NO PMI AND UP TO 100% FINANCING. Welcome home to Millennial Village, a brand new construction gated community in the heart of Olde Kensington with 23 townhomes and 6 condominiums. This exquisite residence embodies city living at its finest and offers an unparalleled lifestyle of style and convenience. Coming home, you will pull into your

    Noah Ostroff KW Empower

    1839 N Hancock St, Philadelphia, PA 19122
  • /13

    $775,000 New Construction

    • 3 Beds
    • 3.5 Baths
    • 2,450 Sq Ft

    1843 Jade Way, Philadelphia, PA 19122

    HOMEBUYER LOAN PROGRAM OFFERING $5,000 LENDER CREDIT, NO PMI AND UP TO 100% FINANCING. Welcome home to Millennial Village, a brand new construction gated community in the heart of Olde Kensington with 23 townhomes and 6 condominiums. This exquisite residence embodies city living at its finest and offers an unparalleled lifestyle of style and convenience. Coming home, you will pull into your

    Fred Capp KW Empower

    1843 Jade Way, Philadelphia, PA 19122
  • /34

    $770,000

    • Studio
    • 4,200 Sq Ft

    3861 Fairmount Ave, Philadelphia, PA 19104

    FULLY RENTED CASH FLOWING HIGH CAP RATE, TAX ABATEMENT, HIGH CAP RATE 2 YEAR TENANTS AMAZING INVESTMENT TRIPLEX Don’t miss this rare opportunity to own a fully rented, high-performing triplex in one of Philadelphia’s strongest rental corridors, just a short walk from Drexel University and the University of Pennsylvania. With strong in-place rental demand, a highly desirable unit mix, and the

    Ben Hooson-Jones KW Empower

    3861 Fairmount Ave, Philadelphia, PA 19104
  • /41

    $769,900

    • Studio
    • 3,595 Sq Ft

    5005 Walnut St, Philadelphia, PA 19139

    LAST 2 of 8 New construction Multifamily homes. INVESTOR or OWNER OCCUPANT OPPORTUNITY! FULLY OCCUPIED with all separate utilities including water. 3,595 sq. ft New Construction. TRIPLEX with ROOF DECK. 10-Year Tax Abatement. Seller Rate buy down offered! All units constructed with Quartz Countertops, Custom Solid Wood Cabinets, High-end Stainless steel appliances and designer fixtures. Full Size

    Christopher Somers KW Empower

    5005 Walnut St, Philadelphia, PA 19139
  • /24

    $769,000

    • 2 Beds
    • 2 Baths
    • 1,300 Sq Ft

    621 23 S 24th St Unit 206, Philadelphia, PA 19146

    Luxe Bloc 23 Condos! ... Rare Corner 2 bed, 2 bath....Euro style with underground garage, terrace, and security .....Floor to 10' ceiling windows with roller blinds... Spacious urban design plus full city view roof deck .. Magazine quality kitchen and baths ... All hardwood finish floors - LED lighting tech features including Nest thermostats and digital locks... Elfa closet shelving / storage

    David Gower Coldwell Banker Realty

    621 23 S 24th St Unit 206, Philadelphia, PA 19146
  • /38

    $765,000

    • 3 Beds
    • 2.5 Baths
    • 2,446 Sq Ft

    239 Lyceum Ave, Philadelphia, PA 19128

    Welcome to 239 Lyceum Avenue, an exceptional opportunity to own one of just 5 luxury townhomes built into the iconic Manayunk Wall. Blending city convenience with a serene, elevated setting, this residence spans 3 thoughtfully designed levels and offers gated parking for 2 cars, 3 private outdoor spaces, and generously scaled bedrooms, including a full floor primary suite. Among the 5 homes, this

    Eileen Cox Long & Foster Real Estate, Inc.

    239 Lyceum Ave, Philadelphia, PA 19128
  • /45

    $765,000

    • 2 Beds
    • 2.5 Baths
    • 1,934 Sq Ft

    211 25 S 4th St Unit 104, Philadelphia, PA 19106

    WOW! Unit 104, also known as Biddle Manor, is one of the largest 2-bedroom homes at the coveted Willings at Independence Park— complete with deeded PARKING and a climate-controlled STORAGE UNIT. A dramatic spiral staircase greets you upon entry, leading into the sun-filled living and dining areas with hardwood floors and recessed lighting. The stylish kitchen features stainless steel appliances,

    Lisa App KW Empower

    211 25 S 4th St Unit 104, Philadelphia, PA 19106
  • /19

    $765,000

    • 2 Beds
    • 2 Baths
    • 1,100 Sq Ft

    1716 Spruce St Unit 4, Philadelphia, PA 19103

    Welcome to this totally renovated 1850 Brownstone converted into 8 condominiums units. The exterior has carefully been restored with each little detail re-constructed. The beautiful hardwood floors, staircase and woodwork has been brought back to its original splendor . The developer kept the original fireplaces with the ornate tile work and firewalls intact. Blending the old with modern

    Matthew Aragona Compass RE

    1716 Spruce St Unit 4, Philadelphia, PA 19103
  • /6

    $765,000 New Construction

    • 3 Beds
    • 2.5 Baths
    • 2,600 Sq Ft

    1736 N Mascher St, Philadelphia, PA 19122

    We welcome you to experience MODA —a stunning new construction enclave in the vibrant and highly sought-after Olde Kensington neighborhood, steps away from the famous Fishtown restaurant district. This new community checks all the boxes for today’s homeowner. This home comes with ONE CAR GARAGE parking, a private roof deck boasting panoramic skyline views, and designer finishes throughout PLUS

    Jim Onesti KW Empower

    1736 N Mascher St, Philadelphia, PA 19122
  • /28

    $764,900

    • 3 Beds
    • 5 Baths
    • 2,408 Sq Ft

    1124 N American St Unit 1, Philadelphia, PA 19123

    Welcome to The Stables Development: a stunning collection of thoughtfully crafted homes in the heart of Northern Liberties. This spacious 3 bedroom, 3 full / 2 half bathroom END UNIT residence features soaring 20-foot ceilings in the living room, 2 car assigned parking, and a private roof deck offering sweeping views. The kitchen is a chef’s dream, equipped with stainless steel appliances, an

    Jim Onesti KW Empower

    1124 N American St Unit 1, Philadelphia, PA 19123
  • /69

    $762,500

    • 4 Beds
    • 4 Baths
    • 3,536 Sq Ft

    8908 Springview Rd, Philadelphia, PA 19115

    A Modern Masterpiece of Cedar and Stone: Experience the perfect blend of organic warmth and contemporary luxury. This stunning single-family residence makes a striking first impression with its timeless cedar exterior, harmonizing beautifully with the surrounding landscape. Inside, the theme of natural elegance continues with gorgeous wood finishes and expansive windows that bathe the home in

    Gregory Damis BHHS Fox & Roach-Center City Walnut

    8908 Springview Rd, Philadelphia, PA 19115
  • /7

    $760,000

    • Studio
    • 2,637 Sq Ft

    900 S 5th St, Philadelphia, PA 19147

    Prime Investment Opportunity in Queen Village | Fully Leased TriplexDiscover a turnkey addition to your portfolio at 900 S 5th Street. This well-maintained corner property is situated in the heart of one of Philadelphia’s most sought-after neighborhoods, offering immediate cash flow and long-term appreciation potential.Unit Mix: Three spacious units, each featuring 2 Bedrooms and 1

    Lisa Li Liberty Real Estate

    900 S 5th St, Philadelphia, PA 19147
  • /33

    $760,000

    • 4 Beds
    • 2.5 Baths
    • 1,625 Sq Ft

    802 N Bambrey St, Philadelphia, PA 19130

    This classic Fairmount townhouse offers expanded living space with the addition of a newly constructed third-floor primary suite and roof deck. The first floor features an open living and dining area and original hardwood floors, detailed millwork, and exposed brick accents that flow into the kitchen with direct access to the private rear patio. The second level hosts three well-proportioned

    James McFadden Kurfiss Sotheby's International Realty

    802 N Bambrey St, Philadelphia, PA 19130
  • /54

    $760,000

    • 3 Beds
    • 2.5 Baths
    • 2,525 Sq Ft

    239 Krams Ave, Philadelphia, PA 19128

    Welcome to the Mountain House, an architectural award-winning property with world class views of Manayunk AND private parking. Meticulously designed and constructed by a premier Philadelphia area builder; this 3 bed, 2.5 bath wonder boasts plenty of living space in addition to a plethora of storage and a private first-floor garage. This home is just steps away from all of the shops, restaurants,

    Jeanne Whipple Elfant Wissahickon Realtors

    239 Krams Ave, Philadelphia, PA 19128
  • /34

    $759,990

    • 5 Beds
    • 3.5 Baths
    • 2,456 Sq Ft

    1306 E Columbia Ave, Philadelphia, PA 19125

    Welcome to 1306 E Columbia Ave, a rarely offered brownstone in the heart of Fishtown. This beautifully designed property perfectly blends modern style with the neighborhood's historic charm, offering the ideal backdrop for your urban lifestyle.Step inside to discover an open-concept main floor bathed in natural light, complete with original refinished hardwood floors, soaring ceilings, and a

    Robert Mika Compass RE

    1306 E Columbia Ave, Philadelphia, PA 19125

Showing Results 601 - 640, Page 16 of 18

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