Weld County CO Homes for Sale with No HOA Fee

• 

  

  

  /23

  $209,900

  • Land
  • 10 Acres
  • $20,990 per Acre

  0 County Road 88 Unit Lot A 1039543, Ault, CO 80610

  Welcome to Lot A, an exceptional 10-acre tract in Ault, Colorado, where wide-open skies meet mountain vistas which are framed by surrounding lush hay fields. With the convenience of modern access nestled along two county-maintained paved roads, Lot A offers unobstructed mountain views of the Front Range and a peaceful rural setting, bordered by irrigated farmland that enhances its sense of

  Jason Legler Platinum Land Company

  0 County Road 88 Unit Lot A 1039543, Ault, CO 80610
• 

  

  

  /26

  $475,000

  • 4 Beds
  • 3 Baths
  • 2,148 Sq Ft

  1000 Glacier Ct, Windsor, CO 80550

  Do you want a home with a LARGE LOT and plenty of room to play? This is it! HUGE side yard for RV, boat, trailer and toy parking. Bring it all. NO METRO, NO HOA. You have tons of freedom here, and this home is situated at the end of a quiet cul-de-sac. NEW furnace and AC unit in 2025, new water heater in 2023, new clothes washer and dryer in 2024. Three bedrooms and two full bathrooms on the main

  Jared Grimes Grimes Real Estate

  1000 Glacier Ct, Windsor, CO 80550
• 

  

  

  /4

  $259,900

  • 3 Beds
  • 2 Baths
  • 1,432 Sq Ft

  200 Kattell St, Erie, CO 80516

  Investor Alert! A 1,432 sq ft manufactured home on a 0.34-acre lot in the heart of Erie, ready for a full renovation or potential redevelopment. The property offers a spacious lot with mature trees, no HOA, and low annual taxes—ideal for a rental project, flip, or new construction. Located in a growing area with easy access to downtown Erie, schools, parks, and major commuter routes. Bring your

  Hussein Garcia Keller Williams Realty Downtown LLC

  

  200 Kattell St, Erie, CO 80516
• 

  

  

  /10

  $138,500

  • 3 Beds
  • 2 Baths
  • 1,080 Sq Ft

  2063 1st Ave Unit 263, Greeley, CO 80631

  Step into a beautiful designated home featuring a well-flowing floor plan, stainless steel appliances, and solid 2x6 exterior walls for lasting durability. The large lot offers plenty of yard space-perfect for relaxing , entertaining, or creating your own outdoor retreat. Inside, enjoy the comfort of a walk-in shower and thoughtfully planned living areas. Fencing is available upon community

  Vicente Vega Ruiz Keller Williams 1st Realty

  2063 1st Ave Unit 263, Greeley, CO 80631
• 

  

  

  /22

  $449,000

  • 5 Beds
  • 2 Baths
  • 2,860 Sq Ft

  2118 13th St, Greeley, CO 80631

  Don't miss out on this charming home!!! Built in 1957, this brick ranch style 1,430 sf home has a full finished basement, 5 bedrooms (2 non-conforming) and 2 baths. Kitchen has a KitchenAid Dishwasher, KitchenAid Electric Range as well as an Amana Refrigerator. Home has 2 fireplaces, wet bar, large utility room with ample storage and a sink. Other amenities include a coved patio, alley access and

  Terry Wiedeman Kreps Wiedeman

  2118 13th St, Greeley, CO 80631
• 

  

  /29

  $425,000

  • 4 Beds
  • 3 Baths
  • 2,011 Sq Ft

  1218 8th St, Greeley, CO 80631

  Fully Rented Downtown Greeley Tri-Plex = Great Investment Opportunity! SELLER IS OFFERING BUYER CONCESSIONS! The major items have been taken care of including TWO NEW FURNACES, THREE NEW WATER HEATERS, NEW ROOF AND GUTTERS IN 2024! Discover an excellent opportunity to own a versatile multi-unit property in the heart of downtown Greeley! Unit 1 (main floor level): 1 bed, 3/4 bath - currently

  Christina L Koder RE/MAX Alliance-Greeley

  1218 8th St, Greeley, CO 80631
• 

  

  /50

  $525,000

  • 4 Beds
  • 2 Baths
  • 1,344 Sq Ft

  7488 Richard Ave, Fort Lupton, CO 80621

  Welcome to your future haven! This charming home is designed for both comfort and fun, featuring a spacious living room with soaring vaulted ceilings perfect for entertaining or simply relaxing after a long day. Wood floors add warmth throughout, while the dining area is ready for cozy dinners or lively gatherings. Kitchen is a true gem with stainless steel appliances, gleaming granite counters,

  Obed Avalos Navigate Realty

  

  7488 Richard Ave, Fort Lupton, CO 80621
• 

  

  /14

  $315,000

  • 2 Beds
  • 1 Bath
  • 720 Sq Ft

  2341 5th Ave, Greeley, CO 80631

  WOW!! Here's a GEM of a house and a 24 x 36 shop with a 12' door. So much is either new or newer in this home. Stainless steel appliances, new tile backsplash, newer flooring, new double pane windows and newer siding. Enjoy peace of mind with major updates already completed: a new furnace (2016), air conditioning (2019), roof (2024), and a freshly installed lawn and sprinkler system as of July

  Ryan Andre Sears Real Estate

  2341 5th Ave, Greeley, CO 80631
• 

  

  /30

  $498,500

  • 6 Beds
  • 3 Baths
  • 2,975 Sq Ft

  1419 10th Ave, Greeley, CO 80631

  Located close to a vibrant college area, this spacious 6-bedroom, 3-bathroom home offers a perfect blend of charm, functionality, and investment potential. Just blocks from the university and hospital, the property boasts excellent walkability to campus, medical facilities, dining, and downtown amenities. Ideal for a primary residence, rental, or multi-generational living. Enjoy the welcoming

  Louise Bates Group Centerra

  1419 10th Ave, Greeley, CO 80631
• 

  

  /35

  $459,900 Open Sun 12PM - 2PM

  • 5 Beds
  • 3 Baths
  • 1,991 Sq Ft

  364 49th Avenue Place, Greeley, CO 80634

  This is THE ONE! Come see this charming home in peaceful Weber West neighborhood. The home boasts five bedrooms and three updated bathrooms, and two living areas with elegant luxury vinyl plank flooring. You'll love entertaining and relaxing in the spacious and private backyard with its well-maintained lawn and lush landscaping, including a paved patio and pergola. Located in cul-de-sac of the

  Reba Tipton Coldwell Banker Realty-NOCO

  364 49th Avenue Place, Greeley, CO 80634
• 

  

  /20

  $236,900

  • 938 Sq Ft

  228 Elm St, Lochbuie, CO 80603

  Investor Special. Sold "as-is". This property works to hold as a rental unless the new buyer is adept and able to purge this MOBILE HOME. The moble home will not qualify for lending purposes and will be transfered as personal property. Please refer to Weld County Parcel ID as M6456186 (228 Elm St #1) If you have the cash, give this plave a face lift and enjoy.

  Craig Levy Brokers Guild Real Estate

  

  228 Elm St, Lochbuie, CO 80603
• 

  

  /30

  $325,000

  • 4 Beds
  • 1 Bath
  • 1,436 Sq Ft

  1324 10th St, Greeley, CO 80631

  Welcome to 1324 10th Street, a delightful 4-bedroom, 1-bathroom home that seamlessly blends historic charm with modern updates. Built in 1899, this 1,400 sq ft residence sits on a spacious 9,500 sq ft lot, offering ample outdoor space and a prime location less than a mile from downtown Greeley. Some key features include spacious living with two bedrooms on the main floor and two upstairs. This

  Janey Moran The Agency - Denver

  

  1324 10th St, Greeley, CO 80631
• 

  

  /22

  $379,900

  • 4 Beds
  • 2 Baths
  • 2,228 Sq Ft

  4740 Everglade Ct, Greeley, CO 80634

  Welcome to 4740 Everglade Court in Greeley, Colorado! Nestled on a quiet cul-de-sac. This 4-bedroom, 2-bath home offers 2,228 sq ft of living space with a spacious and flexible layout. The open-concept main floor features a bright living room, a dining area, and a well-appointed kitchen-perfect for entertaining and everyday living. Additional highlights include central AC, ample driveway parking,

  Jonas Ginther Bliss Realty Group

  4740 Everglade Ct, Greeley, CO 80634
• 

  

  /17

  $1,500,000

  • 2,400 Sq Ft

  2716 23rd Ave, Greeley, CO 80634

  Turnkey restaurant opportunity in a high-traffic area just off Hwy 34, surrounded by gas station, retail centers, and residential neighborhoods. This free-standing building features ample on-site parking and great visibility from a busy corridor with strong daily traffic counts. The sale includes the building infrastructure with essential restaurant fixtures such as the kitchen hood exhaust

  Ariel Flores Keller Williams-Preferred Rlty

  2716 23rd Ave, Greeley, CO 80634
• 

  

  /40

  $2,250,000

  • 6 Beds
  • 4 Baths
  • 5,342 Sq Ft

  34178 County Road 19, Windsor, CO 80550

  TWO Custom Built homes on a 5+ acre country estate located just minutes from downtown Windsor. This unique property boasts the main house with 5,248 total sqft. A ranch style home with 3 nice sized bedrooms on the main level. Eat in kitchen, formal dining, large great room, nice sized mud room, 10 1/2 x 11 walk-in pantry, beautiful kitchen with under cabinet LED lighting, open floor plan, heated

  Stephanie Klein Group Harmony

  34178 County Road 19, Windsor, CO 80550
• 

  

  /32

  $389,000

  • 4 Beds
  • 2 Baths
  • 2,007 Sq Ft

  2801 W 12th St, Greeley, CO 80634

  Welcome to 2801 W 12th Street in Greeley, CO - a beautifully maintained 4-bedroom, 2-bathroom all-brick ranch nestled on a desirable corner lot in an established neighborhood with no HOA. Built in 1962, this charming home blends timeless character with thoughtful updates and a functional layout. Inside, you'll find spacious living areas filled with natural light, multiple family and living rooms,

  Jamie Kimberlin Tallent Co. Real Estate

  2801 W 12th St, Greeley, CO 80634
• 

  

  /39

  $315,000

  • 2 Beds
  • 2 Baths
  • 1,313 Sq Ft

  67376 Broadway, Hereford, CO 80732

  This two-story single-family home offers 2 bedrooms and 2 full bathrooms with approximately 1,313 square feet of finished living space on 2.47 acres. The main level includes both bedrooms, a full bathroom, living room with a fireplace, kitchen, sunroom, laundry area, and access to a large deck. The upper level offers a spacious loft and a second full bathroom, making it a potential option for a

  Jennifer Neiberger Sellstate Altitude Property Group

  

  67376 Broadway, Hereford, CO 80732
• 

  

  /40

  $946,000

  • 3 Beds
  • 2 Baths
  • 2,204 Sq Ft

  27432 County Road 62 75, Gill, CO 80624

  Looking for agricultural property that has been well maintained and with upgrades, look no more! This charming, 3 bedroom 2 full bath ranch style home boasts 10 acres, with not one but TWO large shops 24x48 RV shop with 50 amp service and 40x80 shop with 40x30 fully heated, insulated and cement flooring the 40x50 is ideal for storage of farm equipment, stalls, hay or whatever you can imagine.

  Kimberlee Rios Realty One Group Fourpoints CO

  27432 County Road 62 75, Gill, CO 80624
• 

  

  /12

  $347,000

  • 3 Beds
  • 1 Bath
  • 1,037 Sq Ft

  221 4th St, Frederick, CO 80530

  Are you ready for your next investment/flip or scrape opportunity? This home, built in 1908 has seen it's fair share of history! Located only a 2-3 minute walk to Historic Frederick's "downtown", this property features a house with two smaller bedrooms and a main bedroom with attached full bathroom. NOTE on Inclusions: Seller has hired a clean-out person therefore anything left in the house or on

  Peter Marck Brokers Guild Real Estate

  

  221 4th St, Frederick, CO 80530
• 

  

  /33

  $450,000

  • 4 Beds
  • 3 Baths
  • 2,576 Sq Ft

  2409 Dock Dr, Evans, CO 80620

  Welcome to your idyllic home in Evans, CO! This charming ranch-style home masterfully combines contemporary comfort with unparalleled convenience. Perfectly positioned in a serene cul-de-sac, the property promises privacy and tranquility, just moments away from the bustling heart of Evans. Inside, the residence boasts a generous layout featuring four spacious bedrooms and three modern bathrooms,

  Desarey Fajardo Keller Williams 1st Realty

  2409 Dock Dr, Evans, CO 80620
• 

  

  /15

  $310,000

  • 2 Beds
  • 1 Bath
  • 1,144 Sq Ft

  17450 Highway 14, Ault, CO 80610

  Quaint 2 bedroom/1 bathroom ranch home features spacious living space with vaulted ceilings, lots of natural lighting and open floor plan. Large family room, spacious kitchen with bar area and center island, walk-in pantry and dining area. Primary bedroom with walk-in closet. 5-piece bathroom with walk-in shower, soaking tub, double vanity and beautiful tile throughout. Laundry room with

  Karen Varner Crosstown Prop Mgmt & RE

  17450 Highway 14, Ault, CO 80610
• 

  

  /9

  $138,500 Open Sun 10AM - 12PM

  • 3 Beds
  • 2 Baths
  • 1,080 Sq Ft

  2063 1st Ave Unit 456, Greeley, CO 80631

  Step into a beautifully designed home featuring a well-flowing floor plan, stainless steel appliances, and solid 2x6 exterior walls for lasting durability. The large lot offers plenty of yard space-perfect for relaxing, entertaining, or creating your own outdoor retreat. Inside, enjoy the comfort of a walk-in shower and thoughtfully planned living areas. Fencing is available upon community

  Vicente Vega Ruiz Keller Williams 1st Realty

  2063 1st Ave Unit 456, Greeley, CO 80631
• 

  

  /18

  $390,000

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

  1611 39th Street Ct, Evans, CO 80620

  Great single level home in the heart of Evans. Lots of Upgrades- new carpet- new LVT- fresh paint- updated lighting and fixtures- new butcher block counters and updated bathrooms! Outside has lots to offer. Covered patio right off the kitchen. Large fenced in back yard with a garden area. Huge cull-da-sac, (kickball anyone?) with lots of extra parking. Buyer to verify all school and measurement

  Jordan Beck Oneway.realty

  1611 39th Street Ct, Evans, CO 80620
• 

  

  /39

  $315,000

  • 2 Beds
  • 1 Bath
  • 1,012 Sq Ft

  2706 7th Ave, Greeley, CO 80631

  $5000 LENDER CREDIT for the buyer toward purchasinga this cute, 1930's 2 bed, 1 bath bungalow with detached, 1-car garage sits on a 7000 SF lot with a young maple out front. Updates: New Roof in 2022, updated bathroom & new attic insulation 2021, new Anderson windows &;central A/C installed 2020, insulation garage door opener & metal garage roof 2017. Main level windows bring in good light

  Robin Glasener RE/MAX Nexus

  2706 7th Ave, Greeley, CO 80631
• 

  

  /40

  $415,000

  • 5 Beds
  • 2 Baths
  • 2,240 Sq Ft

  615 18th St, Greeley, CO 80631

  Calling all Investors looking to add a Charming, Updated and Cash Flowing Asset to their portfolio! This is a TRUE 7.2% CAP RATE! This charming bungalow is currently situated as a Duplex with two lovely tenants (one has been there 3+ years and both want to stay). You can also turn the home back into a spacious SFR with MIL suite if preferred. Use as a college rental and rent per room for added

  Lisa Schoen Khaya Real Estate LLC

  

  615 18th St, Greeley, CO 80631
• 

  

  /30

  $475,000

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

  4521 Mesa Verde Dr, Greeley, CO 80634

  You won't believe all the extras in this home in West Hill N Park. The enclosed wood fence yard overlooks the green space that can never be built on. The minute you park in front of the house you will know pride in ownership. Enter into the beautiful barnwood style luxury vinyl floors that flow through the main and enjoy the elegant fireplace in the living area. From the custom paint colors,

  Cathy Goza Group Centerra

  4521 Mesa Verde Dr, Greeley, CO 80634
• 

  

  /21

  $495,000

  • 4 Beds
  • 2 Baths
  • 1,612 Sq Ft

  16373 Barley Ave, Fort Lupton, CO 80621

  Your perfect little slice of heaven! Peaceful country setting on over an acre and only 9 minutes to town. Bring up to 4 horses and all your toys to your fabulous new home. Spacious open floor plan with lots of natural light. Big kitchen, dining room and patio for entertaining. 2 car garage and attached carport in front. Loafing shed in back for the animals. Fabulous upgrades: beautiful laminate

  Sherri Smith Roots Real Estate

  16373 Barley Ave, Fort Lupton, CO 80621
• 

  

  /26

  $525,000

  • 7 Beds
  • 3 Baths
  • 2,586 Sq Ft

  1838 8th Ave, Greeley, CO 80631

  CBRE is pleased to present 1838 8th Avenue, a beautiful rental property located in one of the fastest-growing communities in the state and within walking distance of the University of Northern Colorado and downtown Greeley. In 2024, a new, class-four impact-resistant roof was put on, and the property also features an income-producing detached garage. Front and back decks just painted weeks ago.

  Charlie Mitelhaus CBRE, Inc.

  

  1838 8th Ave, Greeley, CO 80631
• 

  

  /26

  $559,900

  • 7 Beds
  • 3 Baths
  • 3,216 Sq Ft

  1718 11th Ave, Greeley, CO 80631

  Welcome to 1718 11th Ave, an Outstanding and Prime Location Rental Triplex that is nestled in the heart of Greeley and near the University of Northern Colorado Campus. Alley access with ample off-street parking at the rear of the property. This great 3-Unit property has Two Units with 3-beds and 1-bath, Basement Unit has 1-bed and 1-bath with a separate entrance in the rear. Each Unit is

  Matthew Revitte Pro Realty Old Town

  1718 11th Ave, Greeley, CO 80631
• 

  

  /18

  $510,000

  • 4 Beds
  • 3.5 Baths
  • 2,353 Sq Ft

  2229 Podtburg Cir, Johnstown, CO 80534

  Back on the market with new improvements and upgrades! Perfect for the growing family with a fully finished basement. Private location, tucked away in one of the more mature neighborhoods in Johnstown. Very close to shops, parks, and I25. This is an ideal location. Home backs to a 60' green belt with a great view. Optional buy down available with use of preferred lender. Call agent for details.

  Matthew K Miller Second Story Homes Real Estate

  2229 Podtburg Cir, Johnstown, CO 80534
• 

  

  /9

  $465,000

  • Land
  • 1.21 Acres
  • $384,298 per Acre

  1611 Skyway Dr, Longmont, CO 80504

  Strategically located along Highway 119 in unincorporated Weld County, this 1.21-acre parcel offers high visibility and convenient access just east of Longmont, with direct connectivity to I-25. Adjacent to Sandstone Ranch Recreation Center and just one mile from the new UCHealth Longs Peak Hospital, the site sits at the heart of a rapidly growing commercial corridor.Zoned for flexible commercial

  Melissa Golba Golba Group Real Estate LLC

  1611 Skyway Dr, Longmont, CO 80504
• 

  

  /31

  $530,000

  • 4 Beds
  • 1.5 Baths
  • 2,940 Sq Ft

  229 E Union Ave, La Salle, CO 80645

  Welcome to this exceptionally clean ranch-style home in LaSalle! Offering 4 spacious bedrooms and 2 bathrooms, this property is move-in ready. Enjoy the convenience of a 2-car attached garage plus an additional 2-car detached garage - perfect for extra vehicles, toys, or a workshop. Situated on a large lot, there's plenty of room to garden, play, or entertain. Don't miss this well-maintained home

  Michael Tennessen RE/MAX Alliance-Greeley

  229 E Union Ave, La Salle, CO 80645
• 

  

  /32

  $805,000

  • 3 Beds
  • 2 Baths
  • 2,108 Sq Ft

  57300 County Road 21, Carr, CO 80612

  Nestled on 78-acre parcel of fenced land, this remarkable property is a rancher's paradise, offering everything you need to start or expand your operation. With a 2,880-square-foot barn thoughtfully designed for efficiency, it features two spacious 12x35 stalls, 12ft overhead doors, loft, water, 220v power, and a pipe-fenced sorting area that is ranch-ready. The corrals, set with Hoskins

  Claudia Hewel Ventana Realty Group, LLC

  

  57300 County Road 21, Carr, CO 80612
• 

  /2

  $5,915,261

  • Land
  • 139 Acres
  • $42,685 per Acre

  0 Welker Ave Unit 1039203, Mead, CO 80542

  Outstanding interchange development site at the NWC of I-25and Welker Avenue in Mead, CO. The site is approximately 138 gross acres with approximately 25 developable acres zoned forcommercial and approximately 68 developable acres zoned forresidential. The adjacency to, and visibility from, I-25 makes this sitean appealing location for residential and commercial developersalike. Ideal commercial

  Jake Hallauer NAI Affinity

  0 Welker Ave Unit 1039203, Mead, CO 80542
• 

  

  /29

  $390,000

  • 4 Beds
  • 2 Baths
  • 1,726 Sq Ft

  1602 35th St, Evans, CO 80620

  Don't miss out on this fantastic 4 bedroom, 2 bath ranch style home in the desirable Platte Valley Sub! Fenced yard with a shed & gazebo make for excellent outdoor living! 2 Car attached garage & RV Parking, too! A/C & Tankless Water Heater less than 2 years old, Furnace 4 years old. Newer windows & roof for peace of mind! All appliances included, and they're newer, too! Come see this fantastic

  Sean Dougherty RE/MAX Alliance-FTC South

  1602 35th St, Evans, CO 80620
• 

  

  /21

  $325,000

  • 3 Beds
  • 1 Bath
  • 1,330 Sq Ft

  3608 Golden St, Evans, CO 80620

  Discover the charm of this quaint home cherished by the same family since 1958! Located in a well-established quiet neighborhood, this home is ready for new memories to be made! The covered front entry welcomes you inside to a spacious living room with a large picture window that adds warmth and tons of natural light! With 3 cozy bedrooms and a full bath, this home features an eat-in kitchen with

  Ethan Cozzens Austin & Austin Real Estate

  3608 Golden St, Evans, CO 80620
• 

  

  /32

  $340,000

  • 2 Beds
  • 1 Bath
  • 1,014 Sq Ft

  3514 Marigold St, Evans, CO 80620

  Have you been searching for an affordable, well-maintained home? Look no further-you've found it! This inviting home is packed with upgrades and improvements that make homeownership a breeze. Enjoy peace of mind with a new furnace and central A/C, new Andersen windows, and a new sprinkler system. It gets even better-the class 4 roof is only seven years old. The dishwasher was replaced just last

  Lestel Meade CENTURY 21 Elevated

  3514 Marigold St, Evans, CO 80620
• 

  

  /20

  $89,900

  • 3 Beds
  • 2 Baths
  • 1,216 Sq Ft

  435 N 35th Ave Unit 126, Greeley, CO 80631

  Beautifully remodeled 3-bedroom, 2-bathroom mobile home offering comfort, style, and convenience at an affordable price. This spacious home features an open-concept living area with updated flooring, fresh interior paint, and modern finishes throughout. Central heating and air conditioning keep the home comfortable year-round. Located in a well-maintained community with easy access to shopping,

  Erendira Torres SORA Realty

  435 N 35th Ave Unit 126, Greeley, CO 80631
• 

  

  /40

  $425,000

  • 3 Beds
  • 1 Bath
  • 1,008 Sq Ft

  315 Laurel Ave, Eaton, CO 80615

  Welcome to this inviting ranch-style home in Eaton Commons, thoughtfully laid out for comfort, ease, and connection. Inside, vaulted ceilings and an open layout are complemented by plenty of natural light, creating a bright and welcoming feeling throughout. The kitchen is both functional and inviting, with rich wood cabinetry, granite countertops, a full tile backsplash, all appliances -

  Christine Gwinnup LPT Realty, LLC.

  315 Laurel Ave, Eaton, CO 80615
• 

  

  /40

  $495,000

  • 3 Beds
  • 1 Bath
  • 1,296 Sq Ft

  247 Tipple Pkwy, Frederick, CO 80530

  Welcome to 247 Tipple Pkwy in Frederick, CO. Recently completely remodeled and ready to move in home! Wonderful historic property in Old Town Frederick on a MASSIVE 15,600 SF lot with alley access for parking up to 4 vehicles!!!! Several mature, beautiful trees as well as 8 newer trees and lots of perennials for seasonal color. Ranch floor plan with total square footage all on one level. Newer

  Jace Thorpe Neuhaus Real Estate Inc

  247 Tipple Pkwy, Frederick, CO 80530

Showing Results 121 - 160, Page 4 of 18