Ulster County NY Houses for Sale

• 

  

  

  /37

  $824,000

  • 4 Beds
  • 3 Baths
  • 1,456 Sq Ft

  40 Maxs Place, Kingston, NY 12401

  Tucked away on a quiet private road, this exceptional property offers a rare blend of privacy, style, and resort-like amenities—all just minutes from Woodstock and the best of the Catskills. At the heart of this beautifully updated home is a truly remarkable feature: a 40x60 indoor pool and sauna, creating an all-season sanctuary that's as perfect for quiet morning swims as it is for

  Leigh Wagner-Quintana Keller Williams Realty HV Nort

  40 Maxs Place, Kingston, NY 12401
• 

  

  

  /24

  $359,000

  • 2 Beds
  • 1.5 Baths
  • 1,192 Sq Ft

  31 Prince St, Kingston, NY 12401

  First Time Home Buyer, Or Someone Looking for Easy Living, Seller says Bring Offers. This Beautifully Renovated Energy-Efficienct home in the Heart of Kingston is waiting for your to call home. This property has been meticulously curated to blend modern comforts while retaining charming character. The open layout seamlessly connects the living, dining and kitchen areas, great for entertaining or

  Yameil Nunez Serhant LLC

  31 Prince St, Kingston, NY 12401
• 

  

  

  /17

  $349,000

  • 2 Beds
  • 2 Baths
  • 2,205 Sq Ft

  7257 New York 52, Greenfield Park, NY 12435

  THIS 2.205 SQFT chalet-style building has a desirable Ulster County location. It was originally built as a restaurant, BUT canbe used as a creative space or office. or residential. It hosts a commercial kitchen, two 1/2 baths (Men's & Womans rooms) two large rooms, back deck and pull downstairs to stand up attice, space with flooring, part basement with walk in cooler the property also has a 1987

  Jeoffrey Devor BHHS HUDSON VALLEY PROP-NP

  7257 New York 52, Greenfield Park, NY 12435
• 

  

  

  /40

  $750,000

  • 2 Baths
  • 2,575 Sq Ft

  155 Main St, High Falls, NY 12440

  Currently the much beloved Spy Social Eatery restaurant, this amazing location offers the potential to renovate the classic 1880's building into your dream house. A great location on the edge of High Falls proper, set up on the hill and across from the waterfalls. Lots of space to create whatever you want. A stunning residence, a work and live situation... All subject to zoning approval.

  Amy Levine BHHS HUDSON VALLEY PROP-NP

  155 Main St, High Falls, NY 12440
• 

  

  

  /56

  $274,500

  • 3 Beds
  • 1 Bath
  • 864 Sq Ft

  22 Hill St, Napanoch, NY 12458

  This delightful 3-bedroom, 1-bath home is brimming with warmth and character. It showcases original wood trim and gleaming hardwood floors throughout. Perfectly sized, it offers a spacious living room, an open kitchen and dining area, and a separate three-season porch with glass windows framing captivating views of the majestic Shawangunk Ridge.The full basement provides ample storage or

  Mary Sheeley Century 21 Stoeckeler R.E.

  22 Hill St, Napanoch, NY 12458
• 

  

  /41

  $489,900

  • 4 Beds
  • 2 Baths
  • 1,538 Sq Ft

  170 Old Route 209, Hurley, NY 12443

  Meticulously maintained 2 story home in Historic Hurley with seasonal views to the rear, and a newly refurbished Rocking Chair Front Porch. Gleaming hardwood floors, and one bedroom 1 bath on the main floor. This home features 4 bedrooms and 2 full baths.. The walk-up attic will fulfill all of your storage needs. Property is located minutes from The Hurley rail trail which goes all the way to

  Randy Spiesman Weichert, REALTORS The Spiesma

  170 Old Route 209, Hurley, NY 12443
• 

  

  /33

  $579,000

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

  328 John Joy Rd, Woodstock, NY 12498

  Nearly Six Lush, Scenic And Private Acres Located Eight Minutes From The Heart Of Woodstock! This Home Features Two / Possibly Three Bedrooms And Two Full Baths. Meticulously Maintained! Enjoy Sunrises Or Sunsets From The Wrap Around Deck. Relax And Take In All Of The Tranquility While Sitting Stream Side Or Enjoy The Changing Of The Leaves During The Beautiful Fall Season While Sipping Hot

  Michael Alpert Daniel Gale Sothebys Intl Rlty

  328 John Joy Rd, Woodstock, NY 12498
• 

  

  /59

  $769,000

  • 4 Beds
  • 3 Baths
  • 1,804 Sq Ft

  26 Cowboy Trail, Saugerties, NY 12477

  Expansive Cape Cod Retreat in Saugerties - Style, Space & Versatility on 3.6 Private AcresWelcome to your dream home in the heart of Saugerties! This 4000+ sq ft home perfectly blends design with everyday comfort, all set on 3.6 peaceful and private acres in the beautiful Hudson Valley.Inside, you'll find 3 spacious bedrooms and 3 full bathrooms on the main level, along with a

  Ron Knowles Century 21 Alliance-NP

  26 Cowboy Trail, Saugerties, NY 12477
• 

  

  /25

  $450,000

  • 3 Beds
  • 2 Baths
  • 1,376 Sq Ft

  58 Baker Rd, Bearsville, NY 12409

  MOTIVATED SELLER! Discover the perfect blend of comfort, creativity, and seclusion in this charming 3-bedroom, 2-bath home nestled on almost 3 acres of varied landscape—meadows, wooded areas, striking rock outcroppings, and breathtaking mountain views. Whether you’re seeking a full-time residence or a weekend escape, this property offers a unique mix of relaxation and opportunity. Step inside to

  Heather Martin United RE Hudson Valley Edge

  58 Baker Rd, Bearsville, NY 12409
• 

  

  /34

  $245,000

  • 3 Beds
  • 1 Bath
  • 1,332 Sq Ft

  274 Canal St, Ellenville, NY 12428

  WELCOME HOME TO ELLENVILLE'S HIDDEN GEM!ATTENTION: WHY RENT WHEN YOU CAN OWN THIS BEAUTIFULLY MAINTAINED, MOVE-IN READY 3 BEDROOM 1 BATH FOR JUST $245,000?Step into a space that’s been lovingly cared for and thoughtfully updated—no gimmicks, no fluff, just a solid home at a fair price. From the inviting front entry with brand-new decking to the cozy 3-season room off the kitchen, this

  Joseph Abbamonte Howard Hanna Rand Realty

  274 Canal St, Ellenville, NY 12428
• 

  

  /28

  $235,000

  • 4 Beds
  • 2 Baths
  • 1,986 Sq Ft

  86 Henry St, Kingston, NY 12401

  Great opportunity to put your personal touch on a classic brick home in the heart of Kingston close to the Uptown Stockade district with shops and eateries. This house has major upgrades including a newer roof, updated 200 amp electric, on demand heat and hot water boiler, new sewer line from in the house to the street. This house will need a cash buyer or a construction loan in addition to

  Louis Naccarato Berardi Realty

  86 Henry St, Kingston, NY 12401
• 

  

  /40

  $439,000

  • 4 Beds
  • 2 Baths
  • 1,968 Sq Ft

  123 Barclay Ln, Saugerties, NY 12477

  Move right into this freshly updatedcaptivating Cape Cod located on a quiet cul-de-sac. This charming home features a desirable first floor primary suite, large walk-in closet and a brand new full bath. The open concept kitchen flows to the dining and living rooms. Enhanced with stylish new LVP (water-proof, scratch-proof) flooring throughout both floors. Upstairs you'll find three

  Sharon Farley Corcoran Country Living

  123 Barclay Ln, Saugerties, NY 12477
• 

  

  /34

  $340,000

  • 2 Beds
  • 2 Baths
  • 1,131 Sq Ft

  368 Hillside Ave, Hurley, NY 12443

  Nestled on a private dead-end street in the serene and picturesque town of Hurley, NY, this two-bedroom, two-bath home offers a golden opportunity to create your dream retreat. While the house is in need of a roof and some TLC, it sits on a sprawling 1.6 acre parcel bursting with potential and natural beauty offering ample space for gardening, outdoor activities, and personal projects. Enjoy the

  Kristen Zigouras eXp Realty

  368 Hillside Ave, Hurley, NY 12443
• 

  

  /50

  $639,900

  • 4 Beds
  • 2.5 Baths
  • 2,450 Sq Ft

  Lot 20 - 10 Silo Ridge, Wallkill, NY 12589

  This beauty was just completed! Welcome home to Huckleberry Ridge and this stunning Cherrystone model 4-bedroom, 2.5-bathroom home offers an incredible opportunity for those seeking both comfort and entertainment. As you step inside, you'll be greeted by a main floor that is thoughtfully designed for relaxation and enjoyment. Whether you prefer unwinding in the living room or spending time in

  Frank Golio Howard Hanna Rand Realty

  Lot 20 - 10 Silo Ridge, Wallkill, NY 12589
• 

  

  /51

  $759,000

  • 3 Beds
  • 2 Baths
  • 1,532 Sq Ft

  97 John Joy Rd, Woodstock, NY 12498

  The best of both worlds!A boho cottage paradise and a modern ADU (Accessory Dwelling Unit). Peace and tranquility and 3 miles from the center of the most famous small town in the world. Five-star dining and unique shopping opportunities.The property is situated adjacent to the Thorne Preserve - 60 acres boasting the most painted views of Overlook Mountain. The preserve is a

  Benjamin Armento Coldwell Banker Village Green

  97 John Joy Rd, Woodstock, NY 12498
• 

  

  /25

  $534,000

  • 3 Beds
  • 2 Baths
  • 2,592 Sq Ft

  484 Dewitt Mills Rd, Kingston, NY 12401

  Welcome to your dream two level home in the heart of Rosendale! This beautifully renovated bricked wood raised raised ranch sits on a serene 3.75-acre lot and is move in ready. Built with care by the original builder for his own family, this home offers quality craftsmanship throughout. Enjoy a spacious layout featuring a two story slate fireplace, a long, gated driveway and attached 2 car

  REEM UWAIS Century 21 Hudson Valley Rlty.

  484 Dewitt Mills Rd, Kingston, NY 12401
• 

  

  /34

  $2,400,000

  • 5 Beds
  • 2.5 Baths
  • 2,784 Sq Ft

  220 Vista Maria Rd, Pine Bush, NY 12566

  Once part of George Inness Jr's iconic 350-acre Chetolah estate. This 5 bedroom, 2.5 bath historic Cragsmoor home includes 3 lots totaling over 34 acres of pristine land with a mix of woodlands, original trails, meadow, pond, stream, expansive views and bordering the 5000-acre Sam's Point preserve for easy hiking enjoyment. An additional cabin is located to the east of the house that has

  Carolyn Peters-Baker Keller Williams Realty HV Nort

  220 Vista Maria Rd, Pine Bush, NY 12566
• 

  

  /35

  $399,000

  • 3 Beds
  • 2 Baths
  • 1,534 Sq Ft

  10 N Ohioville Rd, New Paltz, NY 12561

  Opportunity is knocking! Two for the price of one, put finishing touches on 2nd building and zoning permits business rental, income to apply to mortgage or taxes. Beautifully restored classic two story home, built in 1903, located just minutes from the village of New Paltz, easy access to NYS Thruway, Hudson Valley rail trail, living room features a natural stone fireplace, bay windows flood the

  CAROLYN DE MICHELE

  10 N Ohioville Rd, New Paltz, NY 12561
• 

  

  /35

  $595,000

  • 4 Beds
  • 2.5 Baths
  • 2,370 Sq Ft

  295 Borden Rd, Wallkill, NY 12589

  Nestled amongst picturesque cornfields, this beautiful 4 bedroom, 2.5 bathroom colonial offers over 2300 square feet of comfortable loving space. Located in the WALLKILL school district, this home perfectly blends peaceful country living with convenient access to both the Hamlet of Wallkill and the nearby Village of Walden. This home features beautiful hardwood floors, central air, and a freshly

  Gary MacEntee Keller Williams Realty

  295 Borden Rd, Wallkill, NY 12589
• 

  

  /34

  $349,900

  • 3 Beds
  • 2 Baths
  • 2,238 Sq Ft

  108 John St, Kingston, NY 12401

  Discover the allure of this renovated single-story home, perfectly situated in the desirable East Kingston, NY. This residence seamlessly combines character and modern comfort, featuring three inviting bedrooms, two well-appointed full baths, and plenty of living space to accommodate your needs and lifestyle, including an open den which can be used as a computer room, library or anything else

  Valeria Rios HomeSmart Homes & Estates

  108 John St, Kingston, NY 12401
• 

  

  /34

  $499,000

  • 3 Beds
  • 2 Baths
  • 1,818 Sq Ft

  27 Sands Ave, Milton, NY 12547

  This charming Victorian, meticulously renovated as of June 2025, offers 1,818 square feet of generously proportioned living space, plus an oversized two-story garage with a full second floor—ideal for an art studio, workshop, music space, or home office.Perched across the street from Milton-on-Hudson's new riverfront park, this home enjoys an expansive front lawn from its rocking chair

  Lesli Uribe Corcoran Country Living

  27 Sands Ave, Milton, NY 12547
• 

  

  /26

  $280,000

  • 3 Beds
  • 1 Bath
  • 781 Sq Ft

  103 Gross St, Kingston, NY 12401

  Sweet one story 3 bedroom and 1 bath house! Back porch with deck to enjoy along with hardwood floors in all but one bedroom. Spacious Kitchen that steps onto the side deck for grilling. Freshly painted! Off street parking which is amazing. This house is across the street from an elementary school ..Double lot. Lot to the left of house is included. Space for a garage as well. Basement with

  Jeanne Boice Howard Hanna Rand Realty

  103 Gross St, Kingston, NY 12401
• 

  

  /39

  $675,000

  • 5 Beds
  • 4 Baths
  • 3,270 Sq Ft

  19 Pompeys Cave Rd, High Falls, NY 12440

  Two for one! 19 Pompeys Cave boasts opportunity with two, fully permitted, living spaces attached as one. This makes for a fantastic investment opportunity where you can live in one, and rent the other or use both as full time rentals. In the original portion of the house, enjoy simple one level ranch style-living. Open space between the kitchen, living and dining room makes for an easy and

  Zachary Jarvis BHHS Nutshell Realty

  19 Pompeys Cave Rd, High Falls, NY 12440
• 

  

  /37

  $384,999

  • 3 Beds
  • 1.5 Baths
  • 1,526 Sq Ft

  42 Bona Ventura Ave, Wallkill, NY 12589

  HAMLET OF WALLKILL! Welcome home to 42 Bona Ventura Avenue. This captivating home is the perfect blend of modern day living and a window into the past with many original featuresintact. Just standing in front of this home you’ll fall in love with its perfect setting in the hamlet. The Trex front porch is the perfect place to start and end your day. As you walk in you’ll be enveloped by the

  Glenn Ramcharitar Rita Levine Real Estate

  42 Bona Ventura Ave, Wallkill, NY 12589
• 

  

  /46

  $395,000

  • 3 Beds
  • 1 Bath
  • 1,338 Sq Ft

  153 New Salem Rd, Kingston, NY 12401

  Take a look at this charming three bedroom, one bath traditional two story home plus heated studio in the quaint area of Eddyville with seasonal views of the Rondout Creek. Kitchen with breakfast/beverage bar, dining area, living room and spacious screened in porch complete the main floor layout. Upper level features three bedrooms, one full bath with attic access for storage. Lower level offers

  Meghan Betterton Howard Hanna Rand Realty

  153 New Salem Rd, Kingston, NY 12401
• 

  

  /15

  $319,900

  • 3 Beds
  • 1.5 Baths
  • 1,742 Sq Ft

  110 W Bridge St, Saugerties, NY 12477

  Step into this 3-bedroom, 1.5-bath home located in the village of Saugerties. The first floor boasts an inviting layout, featuring a spacious kitchen, a living room, and a dining area perfect for family gatherings. This level also includes one of the three bedrooms with a walk-in closet, a convenient half bath, and a full bath, making it ideal for single level living if needed. Sunlight shines

  Megan Rios Berardi Realty

  110 W Bridge St, Saugerties, NY 12477
• 

  

  /18

  $289,000

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

  1126 Flatbush Rd, Kingston, NY 12401

  Lots of house for the money here, this interesting and unique 4 bedroom, 1 and a half bath home offers a lot including 3.7 acres and large spaces inside especially on the main level along with an open feel with 2 bedrooms, 1 bath and a utility/laundry room on the 1st floor. Upstairs you'll find 2 more bedrooms and a half bath (which is currently not hooked up) with some original details like

  Mercedes Ross Coldwell Banker Village Green

  1126 Flatbush Rd, Kingston, NY 12401
• 

  

  /35

  $399,000

  • 4 Beds
  • 2 Baths
  • 1,786 Sq Ft

  3 Friedlander Dr, Kerhonkson, NY 12446

  Public Remarks: Welcome to 3 Friedlander Drive! A versatile, energy-efficient ranch with income potential. This well-maintained, upgraded one-level home offers exceptional flexibility and value. With 4 bedrooms, 2 full baths, and dual living areas, it can serve as a single-family home, in-law suite, mother-daughter, extended family setup, or an income-producing rental. Key features: major

  Pamela Hoveling Halter Associates Realty Inc

  3 Friedlander Dr, Kerhonkson, NY 12446
• 

  

  /48

  $469,900

  • 4 Beds
  • 2 Baths
  • 2,168 Sq Ft

  25 Birmingham Ln, Kingston, NY 12401

  Nestled just minutes from Kingston, Rosendale, High Falls, and New Paltz, this inviting two-story, four-bedroom, two-bath home offers comfort, space, and convenience on a beautifully landscaped 0.82-acre lot. The main level features generous living and dining areas—ideal for entertaining—along with a versatile bedroom, perfect for guests or a home office, plus a functional mudroom and a

  Philip Kelly Howard Hanna Rand Realty

  25 Birmingham Ln, Kingston, NY 12401
• 

  

  /23

  $249,000

  • 2 Beds
  • 1 Bath
  • 600 Sq Ft

  126 Hommelville Rd, Saugerties, NY 12477

  *Investment Opportunity*Adorable 2-bedroom cottage on a picturesque country road just a 5 minute drive to the Village of Saugerties. Nestled on a serene .46-acre lot, this home offers the perfect blend of rustic charm and modern convenience, making it an ideal rental property or year-round residence. Updated kitchen, hardwood floors , washer/dryer ...set on beautiful surroundings, this

  Amy Owens Coldwell Banker Village Green

  126 Hommelville Rd, Saugerties, NY 12477
• 

  

  /31

  $649,500

  • 3 Beds
  • 2 Baths
  • 1,750 Sq Ft

  110 Brown Station Rd, Olivebridge, NY 12461

  Escape to this beautifully updated 3-bedroom, 2-bath Cape home located in the heart of Olive Bridge. Set on a generous lot, the residence blends modern comfort with rustic charm. Inside, you'll find beamed ceilings and elegant hardwood floors throughout, enhancing the spacious layout that's perfect for both relaxation and entertaining. The first floor features a large living/dining area, a full

  Megan Rios Berardi Realty

  110 Brown Station Rd, Olivebridge, NY 12461
• 

  

  /25

  $224,999

  • 2 Beds
  • 1 Bath
  • 903 Sq Ft

  6 Institution Rd, Napanoch, NY 12458

  This delightful home offers the perfect blend of cozy living and fantastic potential! Boasting beautiful hardwood floors throughout most of the house, it's the ideal place to call home.Recently updated for modern living with lots of charm, character and abundant natural light filling each room.The full basement offers endless possibilities for storage, a home gym, or a finished recreation

  Joe Stoeckeler Century 21 Stoeckeler R.E.

  6 Institution Rd, Napanoch, NY 12458
• 

  

  /18

  $180,000

  • 2 Beds
  • 1 Bath
  • 912 Sq Ft

  931 Orlando St, Kingston, NY 12401

  Come see this charming two-bedroom, one-bathroom cottage that sits along the Esopus Creek, blending rustic charm with modern comfort. The cozy interior features luxury vinyl floors, and plenty of windows creating a warm, inviting atmosphere. The kitchen is compact yet functional, with modern appliances. Bedrooms are simple but cozy. The bathroom is thoughtfully designed with natural stone

  Jeffery Dolfinger Century 21 Hudson Valley Rlty.

  931 Orlando St, Kingston, NY 12401
• 

  

  /18

  $650,000

  • 6 Beds
  • 4 Baths
  • 2,006 Sq Ft

  343 Washington Ave, Kingston, NY 12401

  Investment opportunity with this 4-family rental property consisting of 2 two-bedroom apartments and 2 one-bedroom apartments. 3 units currently rented and one available as a possibly owner occupant providing immediate cash flow. Uptown Kingston is known for its rich history, vibrant culture, and community-oriented atmosphere. Residents will love the nearby parks, shops, and dining options,

  Louis Naccarato Berardi Realty

  343 Washington Ave, Kingston, NY 12401
• 

  

  /24

  $1,750,000

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

  3 Scenic Meadow Dr, New Paltz, NY 12561

  Welcome to “The Dairy”, the debut model in the exclusive Hudson Creekside community, where timeless elegance meets sustainable design. Nestled on over 2.7 private acres, this 3-bedroom, 4-bathroom home offers a harmonious blend of modern sophistication and eco-conscious living.Step inside and be greeted by vaulted ceilings and wide-plank hardwood floors, creating a warm, airy atmosphere.

  KATHRYN GREAVEN eXp Realty

  3 Scenic Meadow Dr, New Paltz, NY 12561
• 

  

  /34

  $469,900

  • 4 Beds
  • 2 Baths
  • 1,522 Sq Ft

  122 New Salem Rd, Kingston, NY 12401

  Welcome to this fully renovated home nestled in the peaceful and desirable Town of Esopus. This 4-bedroom, 2-bathroom home has been thoughtfully revovated with modern finishes while maintaining its original charm, offering the perfect balance of comfort and style.The unique layout offers an open-concept living area filled with natural light, ideal for family gatherings or entertaining

  Craig Williams Dugo Realty

  122 New Salem Rd, Kingston, NY 12401
• 

  

  /31

  $699,900

  • 4 Beds
  • 2.5 Baths
  • 2,542 Sq Ft

  31 Sawyer Way, Wallkill, NY 12589

  Luxury living in the Plattekill area! Imagine crafting your perfect home in the heart of the picturesque Hudson Valley! This exceptional opportunity in the desirable Silo Ridge development allows you to personalize a stunning 4-5 bedroom home with 2.5-bathrooms. Colonial-style home with the guidance of a renowned local builder known for their meticulous craftsmanship and attention to detail.

  Frank Golio Howard Hanna Rand Realty

  31 Sawyer Way, Wallkill, NY 12589
• 

  

  /33

  $699,900

  • 4 Beds
  • 2.5 Baths
  • 2,760 Sq Ft

  27 Sawyer Way, Wallkill, NY 12589

  This amazing home has a modern contemporary feel with a farmhouse vibe! Situated in a desirable private subdivision called Silo Ridge. Nestled in the heart of the Hudson Valley! Our well known builder, provides you with a high quality home with the utmost attention to detail and quality craftsmanship. This stunning 4-bedroom, 2.5-bathroom Colonial style home is located in the town of

  Frank Golio Howard Hanna Rand Realty

  27 Sawyer Way, Wallkill, NY 12589
• 

  

  /50

  $624,900

  • 4 Beds
  • 2.5 Baths
  • 2,400 Sq Ft

  Lot 18 - 20 Silo Ridge Dr, Wallkill, NY 12589

  Welcome to the McKinley model, 1 of only 5 lots left in this desirable Huckleberry Estates development! This stunning Colonial boasts over 2400 sq ft of grand living space, featuring an entrance foyer, 4 bedrooms (1 on the first floor), 2.5 baths, a gourmet kitchen, family room, living room, and formal dining room. The home has not been started yet so you'll have the exciting opportunity to

  Frank Golio Howard Hanna Rand Realty

  Lot 18 - 20 Silo Ridge Dr, Wallkill, NY 12589
• 

  

  /29

  $549,000

  • 4 Beds
  • 2.5 Baths
  • 2,250 Sq Ft

  494 Dewitt Mills Rd, Kingston, NY 12401

  This beautiful, raised ranch house sits on 11.4 acres. It is a peaceful country setting which is close to major roads and great local amenities. Located next to the Wallkill Valley Rail Trail, minutes away from the Kingston waterfront with many restaurants, sailing and kayaking. The private property includes a chicken coup, large shed and garden. The 2,250 square foot home has 4 bedrooms, 1

  Jacqueline Franco Stewart Win Morrison Realty-K

  494 Dewitt Mills Rd, Kingston, NY 12401

Showing Results 521 - 560, Page 14 of 16