Homes for Sale near St. Teresa Regional School

• 

  

  

  /13

  $230,000

  • 3 Beds
  • 1 Bath
  • 1,125 Sq Ft

  25 Golden Ave, Mount Ephraim, NJ 08059

  Welcome to 25 Golden! A bungalow with 3 bedrooms and 1 bath. . Located on a very quiet and quaint street. The house is located on one of the biggest lots you can fine. Lots of room to expand. It's a great starter home or empty nester home. The house is being sold as is inspection is for buyers knowledge only. Buyer is responsible for CO. More pics to come! Read driving directions.

  Johanna Marino Coldwell Banker Realty

  25 Golden Ave, Mount Ephraim, NJ 08059
• 

  

  

  /7

  $239,000

  • 2 Beds
  • 1 Bath
  • 1,069 Sq Ft

  415 Rankin Ave, Woodbury, NJ 08096

  Two bedroom home on a quiet street, needs some work. Large back yard with deck, fish pond, two sheds. Selling strictly as-is, buyer responsible for all certifications and inspections. Buyer also responsible for removing all articles in the house. Price reflects these conditions.

  David Strauss Action USA Jay Robert Realtors

  415 Rankin Ave, Woodbury, NJ 08096
• 

  

  

  /35

  $202,000

  • 2 Beds
  • 2.5 Baths
  • 2,146 Sq Ft

  301 Browning Ln Unit 20, Cherry Hill, NJ 08003

  Remarkable price for this spacious two story condo. First floor features a living room and dining room open to one another with plenty of windows. There is a back door entrance to the private backyard and patio for barbecuing or nature watching. The kitchen has many cabinets and room for a kitchen table as well. There is a powder room with a washer & dryer in the closet. The master bedroom

  Louise Capri EXP Realty, LLC

  301 Browning Ln Unit 20, Cherry Hill, NJ 08003
• 

  

  

  /5

  $1,400,000

  • Land
  • 12 Acres
  • $121,739 per Acre

  63 Kelly Driver Rd, Gloucester Township, NJ 08021

  Land of Opportunity. Now available is a Rare Opportunity to purchase over 11 acres of vacant land located on the scenic Kelly Driver Road in Gloucester Township. This beautiful stretch of road is already home to a number of impressive residences, making this property an outstanding location for your vision. Whether you’re seeking to build your dream estate, explore development potential, or

  Jonathan Mendys RE/MAX Access

  63 Kelly Driver Rd, Gloucester Township, NJ 08021
• 

  

  

  /29

  $849,999

  • 4 Beds
  • 2 Baths
  • 1,844 Sq Ft

  219 W Summit Ave, Haddonfield, NJ 08033

  What a Gem! This beautifully maintained 4-bedroom, 2-bathroom home in the desirable town of Haddonfield is truly move-in ready. Pride of ownership is evident throughout this turn-key property, with thoughtful updates and modern touches at every turn.The spacious kitchen and open living area provide both functionality and style, while custom storage solutions add convenience throughout

  Melissa Bernardin AM Realty Advisors LLC

  219 W Summit Ave, Haddonfield, NJ 08033
• 

  

  /39

  $499,900

  • 5 Beds
  • 2 Baths
  • 2,013 Sq Ft

  41 Payson Ave, Audubon, NJ 08106

  Step inside this lovely bright and cheerful expanded Audubon bungalow and you’ll find a home that combines charm with plenty of space. The enclosed front porch sets the tone for a welcoming interior, leading into a bright living room with warm hardwood floors and timeless details. Just beyond is the updated kitchen, designed with both style and function in mind. A large center island, stainless

  Kathy Mcdonald BHHS Fox & Roach - Haddonfield

  41 Payson Ave, Audubon, NJ 08106
• 

  

  /25

  $879,900

  • 4 Beds
  • 2 Baths
  • 2,391 Sq Ft

  2 Evergreen Ln, Haddonfield, NJ 08033

  True American4 square with charming front porch and located steps from downtown and next to the park and schools! This 4 bedroom 2 bath home features original hardwood flooring, updated bath on the second floor and a full bath on the main level, plus a third floor walk up. The kitchen has plenty of room for a table, newer appliances, and rear staircase. There is also 2 zone central air, roof in

  Val Nunnenkamp Keller Williams Realty - Marlton

  2 Evergreen Ln, Haddonfield, NJ 08033
• 

  

  /13

  $109,900

  • 3 Beds
  • 1 Bath
  • 1,040 Sq Ft

  3156 Alabama Rd, Camden, NJ 08104

  A three-bedroom, one-bath row house located in an urban neighborhood, this property offers great potential but is in need of repair. The home features a traditional layout with a living room, dining area, and kitchen on the main level, along with three bedrooms and a full bath upstairs. While the structure is solid, the interior and exterior both show signs of wear, including outdated finishes,

  Euguene Alford Sell All Properties LLC Realty

  3156 Alabama Rd, Camden, NJ 08104
• 

  

  /25

  $325,000

  • 2 Beds
  • 1.5 Baths
  • 1,339 Sq Ft

  24 Pinecrest Dr, Woodbury, NJ 08096

  Lakebridge beauty! This lovely rancher sits on an oversized corner lot with a fenced backyard featuring a patio and awning, perfect for outdoor enjoyment. The home offers a foyer entrance leading to a spacious living room that overlooks the sunroom, which has sliding doors to the back patio. Inside, you’ll find an eat-in kitchen, two bedrooms, and 1.5 baths, along with a convenient laundry room

  Rose Simila Home and Heart Realty

  24 Pinecrest Dr, Woodbury, NJ 08096
• 

  

  /28

  $284,900

  • 2 Beds
  • 1.5 Baths
  • 2,039 Sq Ft

  617 Stratford Ave, Woodbury Heights, NJ 08097

  Come check out this rancher located in desirable Woodbury Heights. This home has approx. 2,039 square foot of space but does need a little TLC and redecorating. Loads of potential here. Living room, dining room, family room with fireplace, eat-in kitchen, den, sewing room/utility room, 2 bedrooms and 1.5 baths. There is also a large workshop for hobbies and projects. There is a side covered

  Robert Duffield BHHS Fox & Roach-Mullica Hill South

  617 Stratford Ave, Woodbury Heights, NJ 08097
• 

  

  /12

  $259,900

  • 2 Beds
  • 1 Bath
  • 792 Sq Ft

  25 5th Ave, Glendora, NJ 08029

  Totally redone two bedroom, one bath ranch home that features brand new kitchen with granite countertops, breakfast bar, shaker style cabinets, ceramic tile backsplash and new stainless steel appliances, dishwasher, disposal, stove, refrigerator and microwave. There are new Lifetime floors and recessed lighting. Living room/Dining room has new wall to wall carpet with fresh paint. The bedrooms

  Bill Souders BHHS Fox & Roach - Haddonfield

  25 5th Ave, Glendora, NJ 08029
• 

  

  /15

  $329,900

  • 3 Beds
  • 1.5 Baths
  • 1,360 Sq Ft

  339 Comly Ave, Oaklyn, NJ 08107

  The home was remodeled in 2019 with a newer Kitchen and a full stainless steel appliance package. The kitchen has been completely opened to the dining area to provide the perfect entertaining spot. Not only is there a generously sized living room, but there is also a large, bright, and sunny family room with access to a half bath on the first floor of this home. Upstairs are three large

  Brad Tomaziefski Real Broker, LLC

  339 Comly Ave, Oaklyn, NJ 08107
• 

  

  /57

  $837,500

  • 5 Beds
  • 3.5 Baths
  • 3,244 Sq Ft

  359 Bortons Mill Rd, Cherry Hill, NJ 08034

  Step into style & comfort in this stunning 3244 sq ft custom home situated on a .47 acre lot in desirable Barclay Farms. With 5 spacious bedrooms, 3.5 baths, impressive architectural details & thoughtfully designed living spaces, this unique property offers the perfect blend of elegance, versatility & modern comfort. Based on a very popular Paparone floor plan & 10 years younger than

  Darlene Borda BHHS Fox & Roach-Cherry Hill

  359 Bortons Mill Rd, Cherry Hill, NJ 08034
• 

  

  /49

  $539,000

  • 3 Beds
  • 1.5 Baths
  • 1,561 Sq Ft

  1100 Mansion Ave, Haddon Township, NJ 08108

  NEWTON LAKE BEAUTY! This spacious three-bedroom, one-and-a-half-bath home combines modern comfort with functional design across multiple levels. Mature landscaping and an inviting covered porch presents a welcoming entrance to this beautiful home. The open-concept main living area is warm and inviting, with natural light streaming through large windows and lovely sliders, allowing a seamless

  Wendy Kreifels HomeSmart First Advantage Realty

  1100 Mansion Ave, Haddon Township, NJ 08108
• 

  

  /21

  $225,000

  • 3 Beds
  • 1 Bath
  • 816 Sq Ft

  139 Gehrig Ave, Gloucester City, NJ 08030

  This well-kept rancher features 3 bedrooms and 1 full bath, a spacious Florida Room, and a full basement offering plenty of storage or expansion potential. The home is equipped with central A/C, forced hot air heating, and Whirlpool appliances for added comfort and convenience. A private driveway provides easy parking, while the large backyard with a gazebo is ideal for entertaining. Energy

  Fred Colon Nest Seekers International

  139 Gehrig Ave, Gloucester City, NJ 08030
• 

  

  /39

  $485,000

  • 4 Beds
  • 2.5 Baths
  • 2,716 Sq Ft

  10 Alton Way, Sewell, NJ 08080

  Welcome to 10 Alton Way in the desirable Surrey Lake community of Washington Township! This spacious Wethersfield model colonial offers 4 bedrooms and 2.5 baths with over 2,700 sq. ft. of living space, making it an ideal choice for growing families who want both comfort and room to expand. From the moment you enter, you’ll appreciate the welcoming layout, featuring a cozy wood-burning fireplace

  Brenda Richmond Keller Williams Realty - Moorestown

  10 Alton Way, Sewell, NJ 08080
• 

  

  /66

  $499,900

  • 3 Beds
  • 2 Baths
  • 1,552 Sq Ft

  900 Eldridge Ave, Oaklyn, NJ 08107

  Pefection! Our 3 BR, 2 BA Open Concept Colonial is THE home you’ve dreamt of owning! This special home was brought up to the 21st Century with a yearlong major gut renovation, making your new home experience perfect! What’s new? Let’s see... Kitchen with 42” Shaker Style Cabinets, a Peninsula for added seating, Quartz countertops, Stainless Steel appliances, a small room off the kitchen for a

  Kathleen Boggs-Shaner BHHS Fox & Roach - Haddonfield

  900 Eldridge Ave, Oaklyn, NJ 08107
• 

  

  /29

  $249,900

  • 3 Beds
  • 1 Bath

  486 Dewey Rd, Bellmawr, NJ 08031

  HURRY! This 3-bedroom, 1-bath ranch home is PRICED TO SELL. It has been well-maintained over the years. However, it does need some updating, and the price reflects this. It has solid bones, a fenced yard, a shed, central air, and public utilities. An addition was added to the kitchen some years ago, and now it's spacious with cathedral ceilings, plenty of cabinets, and countertop space for

  Howard Winters KELLER WILLIAMS REALTY ATLANTIC SHORE-Northfield

  

  486 Dewey Rd, Bellmawr, NJ 08031
• 

  

  /14

  $239,900

  • 3 Beds
  • 1 Bath
  • 1,120 Sq Ft

  610 Broadway, Westville, NJ 08093

  Welcome to this freshly updated 3-bedroom, 1-bath townhome offering charm and modern comfort. Step inside to find a bright and inviting living space with stylish updates throughout. The functional layout includes three spacious bedrooms, a bathroom, and a full basement providing plenty of storage or potential for additional living space. Outside, enjoy your own private courtyard—perfect for

  Francesco Pullella HOF Realty

  610 Broadway, Westville, NJ 08093
• 

  

  /9

  $169,900

  • 3 Beds
  • 1 Bath
  • 1,224 Sq Ft

  404 Hudson St, Gloucester City, NJ 08030

  **Professional Photos Coming Soon**This Gloucester City townhouse offers 3 bedrooms and 1 full bathroom, just minutes from Philadelphia with quick access to I-295. The main level includes a mudroom, spacious living areas, and hardwood flooring beneath the carpet. Upstairs you’ll find three bedrooms and a full bath with a tub. The home needs some TLC but has tons of potential—an excellent

  Robert Greenblatt Weichert Realtors - Moorestown

  404 Hudson St, Gloucester City, NJ 08030
• 

  

  /34

  $468,000

  • 3 Beds
  • 1.5 Baths
  • 1,850 Sq Ft

  4 E Haddon Ave, Oaklyn, NJ 08107

  4 E Haddon Avenue — This beautifully renovated 3-bedroom, 1.5-bath home offers the perfect combination of style, comfort, and convenience. Step inside to discover stunning new LVP flooring, a private glass-enclosed office, and elegant marble tile accents. The gourmet kitchen is equipped with premium Forno stainless steel appliances and solid shaker doors, creating a sleek and timeless space for

  Yekaterina Rogov Real Broker, LLC

  4 E Haddon Ave, Oaklyn, NJ 08107
• 

  

  /9

  $278,000

  • 3 Beds
  • 1 Bath
  • 1,056 Sq Ft

  1209 Cooper St, Woodbury, NJ 08096

  Welcome home. This charming residence boats modern upgrades and a prime convivence. Featuring a roof and HVAC system that is three years old; ensuring year round comfort and peace of mind. The spacious deck overlooks a lush backyard perfect for relaxing evenings or entertaining guests. Ideally located just minutes from 295 and the NJ Turnpike, with easy access to public transportation making

  Richard Bradin Weichert Realtors-Cherry Hill

  1209 Cooper St, Woodbury, NJ 08096
• 

  

  /30

  $310,000

  • 3 Beds
  • 2 Baths
  • 1,372 Sq Ft

  27 Progress Ave, Woodbury, NJ 08096

  Open house cancelled. Welcome to 27 Progress Avenue, a charming cape cod in the heart of Woodbury. Offering 1,372 square feet, this home features three bedrooms and two full bathrooms, blending comfort with character.Step inside to find new floors and ceramic tile throughout, adding warmth and durability. The kitchen shines with a brand-new refrigerator and dishwasher, while the water

  Melissa Brown RE/MAX Preferred - Mullica Hill

  27 Progress Ave, Woodbury, NJ 08096
• 

  

  /25

  $330,000

  • 3 Beds
  • 2 Baths
  • 1,395 Sq Ft

  1040 Lexington Dr, Woodbury, NJ 08096

  Don’t let this rancher slip away!Welcome home to this charming 3-bedroom, 2-bath rancher situated on a desirable corner lot in Deptford. From the moment you arrive, you’ll be greeted by a convenient horseshoe driveway that adds both curb appeal and easy access.Inside, the home has been freshly painted and features updated bathrooms for a modern touch. The spacious sunroom is

  Edgar Pizarro Weichert Realtors-Turnersville

  1040 Lexington Dr, Woodbury, NJ 08096
• 

  

  /28

  $285,000

  • 3 Beds
  • 1 Bath
  • 1,168 Sq Ft

  322 W Washington Ave, Magnolia, NJ 08049

  Great Rancher in a great location. 3 bedrooms, 1 bathroom. eat in kitchen and large family room.Needs TLC but priced accordingly.

  Kenneth Weidler BHHS Fox & Roach-Washington-Gloucester

  322 W Washington Ave, Magnolia, NJ 08049
• 

  

  /38

  $450,000

  • 4 Beds
  • 2 Baths
  • 1,348 Sq Ft

  317 W Graisbury Ave, Audubon, NJ 08106

  Hark! Fair travelers of dwelling and hearth,Attend thine eyes upon this stately abode at 317 West Graisbury Street, where charm and comfort entwine as lovers in spring.Lo, a wraparound porch most noble, its timbers renewed, doth bid thee enter. Within, the staircase of timeless grace and hardwood floors that gleam like polished oak in summer’s sun dost greet all who cross the threshold.

  Jeremiah Kobelka Real Broker, LLC

  317 W Graisbury Ave, Audubon, NJ 08106
• 

  

  /49

  $1,100,000

  • 4 Beds
  • 2.5 Baths
  • 2,444 Sq Ft

  351 Bellevue Ave, Haddonfield, NJ 08033

  Welcome home to 351 Bellevue Avenue, a charming 4-bedroom, 2.5-bath home nestled in the heart of Haddonfield. This beautifully maintained property offers the perfect blend of comfort and style, with spacious living areas and thoughtful details throughout.Step inside to find a warm and inviting layout, ideal for both everyday living and entertaining. The open concept kitchen flows seamlessly

  Michael Yost HomeSmart First Advantage Realty

  351 Bellevue Ave, Haddonfield, NJ 08033
• 

  

  /25

  $300,000

  • 3 Beds
  • 1 Bath
  • 1,116 Sq Ft

  7 Malibu Dr, Magnolia, NJ 08049

  **Multiple offers received - highest and best due by Sunday 9/7 at 5:30pm** Nestled in the charming Catalina Hills neighborhood in Magnolia (Gloucester Township), this delightful 3-bedroom ranch-style home offers a perfect blend of comfort and functionality. Lovingly maintained by the same family since it was built, this exceptionally cared for home is ready for its new owners. One level living

  Steve Salemno HomeSmart First Advantage Realty

  7 Malibu Dr, Magnolia, NJ 08049
• 

  

  /34

  $299,000

  • 3 Beds
  • 3 Baths
  • 1,320 Sq Ft

  161 Pulaski Ave, Blackwood, NJ 08012

  Stunning Home for Sale in Blackwood, New Jersey. This inviting residence sits on a 0.45-acre lot with excellent soil for planting and gardening, offering outstanding indoor-outdoor living in a convenient Blackwood location. The property features newer HVAC systems, including central air and a basement split system, with all major components approximately 1 year old for peace of mind. Inside,

  GAVIN ESTRADA Weichert Realtors-Haddonfield

  161 Pulaski Ave, Blackwood, NJ 08012
• 

  

  /41

  $574,900

  • 4 Beds
  • 2 Baths
  • 2,650 Sq Ft

  212 Crystal Lake Ave, Audubon, NJ 08106

  Welcome to this versatile home in the heart of Audubon, NJ! When you arrive, pull onto Prospect Ave to park in the rear driveway. The upper level offers plenty of space & room for entertainment. There are 2 comfortable bedrooms, including the primary, along with a full bath & an updated kitchen with tons of storage space. The primary bedroom features access to the serene & peaceful deck. There

  Jaimee Solar Keller Williams Realty - Marlton

  212 Crystal Lake Ave, Audubon, NJ 08106
• 

  

  /32

  $345,000

  • 3 Beds
  • 1 Bath
  • 900 Sq Ft

  315 Woodbury Turnersville Rd, Grenloch, NJ 08032

  Step into this charming 3-bedroom, 1-bathroom home in the sought-after Grenloch Terrace section of Washington Township. Nestled on a spacious corner lot, this home blends comfort and convenience with a detached garage and a full basement just waiting for your finishing touches.Start your mornings with coffee in the enclosed sunroom/patio, host weekend gatherings with friends, or unwind at

  Edward Munin Keller Williams Realty - Marlton

  315 Woodbury Turnersville Rd, Grenloch, NJ 08032
• 

  

  /30

  $275,000

  • 3 Beds
  • 1 Bath
  • 1,412 Sq Ft

  410 Walnut Ave, Laurel Springs, NJ 08021

  This charming 3-bedroom, 1-bathroom Colonial home, built in 1940, presents a prime investment opportunity. With a lot size of 0.17 acres, the property features a level yard and a garden/lawn view, enhancing its appeal for potential renters or future buyers. The interior boasts an eat-in kitchen equipped with essential appliances, including a built-in range, refrigerator, washer, dryer, and water

  Carol Minghenelli Compass New Jersey, LLC - Haddon Township

  410 Walnut Ave, Laurel Springs, NJ 08021
• 

  

  /55

  $850,000

  • 5 Beds
  • 2 Baths
  • 2,658 Sq Ft

  225 9th Ave, Haddon Heights, NJ 08035

  Welcome to 225 9th Avenue, a rare opportunity to own a timeless home in the heart of Haddon Heights, a community known for its tree-lined streets, historic charm, and unbeatable small-town feel. Perfectly set on a large corner lot, this residence blends classic character with thoughtful modern updates, creating a home that is as functional as it is inviting.Step onto the wrap-around porch,

  Alexandra DiFilippo Keller Williams Realty - Moorestown

  225 9th Ave, Haddon Heights, NJ 08035
• 

  

  /3

  $250,000

  • 4 Beds
  • 2 Baths
  • 1,727 Sq Ft

  1337 Lincoln Ave, West Deptford, NJ 08096

  Calling all investors and handy homeowners, this is the opportunity you've been waiting for! Located in the desirable West Deptford Township, this property offers great investment potential and endless possibilities. With four bedrooms, two full baths, very spacious sunroom and a newer roof, detached garage, long driveway, the right vision and renovation, this diamond in the rough can transform

  Marco Nunez Realty Mark Advantage

  1337 Lincoln Ave, West Deptford, NJ 08096
• 

  

  /22

  $349,000

  • 3 Beds
  • 2.5 Baths
  • 1,436 Sq Ft

  27 Franklin Cir, Somerdale, NJ 08083

  Stunning Stone Front Townhome in a Prime Location! Welcome home to this beautifully upgraded 3 bedroom, 2.5 bath residence with garage and full basement. The inviting foyer opens to a bright living area, while the spacious master suite boasts TWO walk in closets and a private bath. Upstairs laundry and a stylish hall bath add everyday convenience.The finished lower level features a

  Liping Wu HomeSmart First Advantage Realty

  27 Franklin Cir, Somerdale, NJ 08083
• 

  

  /23

  $249,900

  • 1 Bed
  • 1 Bath
  • 623 Sq Ft

  760 Woodland Ave, Woodbury Heights, NJ 08097

  Charming 1-bedroom, 1-bath retreat nestled on an expansive 100x150 lot, offering privacy and space galore! Enjoy modern comfort with two new mini-split units (installed April 2025) providing efficient heating and cooling, plus a tankless hot water heater (2 years old) for endless hot water. Freshly painted with new carpeting (May 2024), vinyl siding, and a remodeled bathroom (January 2025), this

  Robert Dick Keller Williams Realty - Washington Township

  760 Woodland Ave, Woodbury Heights, NJ 08097
• 

  

  /37

  $220,000

  • 2 Beds
  • 1.5 Baths
  • 1,092 Sq Ft

  34 Chestnut St, Woodbury, NJ 08096

  Welcome home to 34 Chestnut St which is nestled in the heart of Woodbury!! This home has been lovingly maintained by its current owner. Step onto the relaxing front porch and as you enter the home you are welcomed by the spacious living room, followed by the dining room which is used as a family room along with the eat in kitchen and powder room. Off the kitchen you have a beautiful spacious

  Sadiyyah Maamoon RE/MAX Preferred - Sewell

  34 Chestnut St, Woodbury, NJ 08096
• 

  

  /16

  $259,000

  • 2 Beds
  • 1 Bath
  • 720 Sq Ft

  703 Washington Ave, Woodbury, NJ 08096

  Welcome to 703 Washington in Woodbury! This adorable and affordable home features 2 bedrooms and 1 bathroom, offering cozy and comfortable living throughout. The eat-in kitchen is beautifully updated with granite counters and stainless steel appliances, while high-end vinyl flooring and neutral paint flow seamlessly through the home. A full unfinished basement provides a laundry area and plenty

  Rose Simila Home and Heart Realty

  703 Washington Ave, Woodbury, NJ 08096
• 

  

  /41

  $339,000

  • 5 Beds
  • 1.5 Baths
  • 1,747 Sq Ft

  78 Hopkins St, Woodbury, NJ 08096

  Beautifully Renovated 5 Bed 1.5 Bath Colonial with Full Basement and 3 Finished Levels in thriving Woodbury is sure to impress! Charming rocking chair front porch welcomes you into a spacious, sophisticated, and tastefully redesigned interior with generous room sizes, new luxury flooring, and plenty of natural light all through. Versatile foyer makes a great home office nook. Formal living room

  Robert Dekanski RE/MAX 1st Advantage

  78 Hopkins St, Woodbury, NJ 08096
• 

  

  /3

  $139,900

  • 2 Beds
  • 1.5 Baths
  • 1,267 Sq Ft

  36 Chiswick Dr, Lindenwold, NJ 08021

  Elegant Townhome Living at 36 Chiswick Drive. Experience refined comfort in this beautifully appointed 2-bedroom, 1.5-bath townhome designed for effortless living. From the moment you enter, you're greeted by sleek newer laminate flooring and an open, welcoming ambiance. The upgraded kitchen showcases sophisticated finishes, including custom cabinetry, chic tile backsplash, and contemporary

  Kelli Ciancaglini Keller Williams Hometown

  36 Chiswick Dr, Lindenwold, NJ 08021

Showing Results 81 - 120, Page 3 of 16