1,904

Westchester County NY Homes for Sale

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  • /24

    $750,000

    • 3 Beds
    • 2.5 Baths
    • 1,569 Sq Ft

    25 Alta Vista Dr, Yonkers, NY 10710

    Single family home ready for customization. A sound template with many possibilities. Peaceful charming neighborhood conveniently located near central avenue in Yonkers. Above ground basement with own separate entrance & radiant heated floor, washer dryer hook ups and more. On main level you'll find an ample living room with stone fireplace, separate dining area with beamed ceiling, kitchen &

    Tina Ortiz Julia B Fee Sothebys Int. Rlty

    25 Alta Vista Dr, Yonkers, NY 10710
  • /9

    $280,000

    • Land
    • 0.22 Acre
    • $1,272,727 per Acre

    1 Avondale Rd, Yonkers, NY 10710

    Vacant Land in the highly desired Crestwood neighborhood. The majority of the land has been cleared in preparation for you to build your dream home.Lot dimensions 62 ft X 176 ft

    Matthew Bizzarro Bizzarro Agency, LLC

    1 Avondale Rd, Yonkers, NY 10710
  • /19

    $195,000

    • 1 Bed
    • 1 Bath
    • 800 Sq Ft

    68 E Hartsdale Ave Unit 3-K, Hartsdale, NY 10530

    Commuter's dream! 10 minute walk to Hartsdale train station, 30 minutes to Grand Central. Welcome to Country Club Apartments, a pre-war building! Updated 800 square foot unit featuring an entry foyer with a coat closet, large living room with fireplace, eat-in-kitchen with stainless steel appliances, granite counter tops and backsplash, bedroom with walk-in closet and full bathroom. This unit

    Dean Nugent Mary Jane Pastor Realty

    68 E Hartsdale Ave Unit 3-K, Hartsdale, NY 10530
  • /33

    $699,000 Open Thu 5PM - 7PM

    • 3 Beds
    • 2 Baths
    • 1,400 Sq Ft

    157 Beechwood Ave, Mount Vernon, NY 10553

    Classic Charm Meets Modern Comfort Just Steps from Pelham’s BestWelcome to 157 Beechwood Avenue, a stylish 3-bedroom, 2-bath Colonial that blends classic charm with thoughtful modern updates. Located on a quiet residential street near the Pelham border, this home offers the rare opportunity to enjoy the amenities of a walkable town center with the space and flexibility of a single-family

    Lillian Leone Keller Williams Realty Group

    157 Beechwood Ave, Mount Vernon, NY 10553
  • /30

    $599,000

    • 2 Beds
    • 2.5 Baths
    • 1,616 Sq Ft

    175 Horseshoe Cir, Ossining, NY 10562

    Welcome to Fox Hill! This generously sized 2-bedroom, 2.5-bath townhouse with a versatile loft/den is located in one of the area’s most desirable developments. The bright eat-in kitchen features granite countertops, wood cabinetry, and stainless steel appliances. The open layout seamlessly connects the dining room to the living room with wood burning fireplace. Enjoy the large deck with just a

    Mary Ann Tighe Houlihan Lawrence Inc.

    175 Horseshoe Cir, Ossining, NY 10562
  • /16

    $1,400,000

    • 6 Beds
    • 4 Baths
    • 3,940 Sq Ft

    68 Loring Ave, Yonkers, NY 10704

    This beautiful brick Colonial is a legal two-family home with a finished, above-ground basement. Situated in Lincoln Park, it features spacious rooms, a sunken living room, and two full bathrooms in each of the 3-bedroom units. Additional highlights include a large concrete patio, a two-car garage, and abundant storage throughout. Finished Family room with a wet bar in the above ground basement

    Aidan Ruane David Ruane Realty Associates

    68 Loring Ave, Yonkers, NY 10704
  • /26

    $425,000

    • 1 Bed
    • 1 Bath
    • 900 Sq Ft

    914 Wynnewood Rd Unit 3R, Pelham, NY 10803

    Set against the serene backdrop of Pelham Country Club, this beautifully renovated one-bedroom residence blends classic pre-war architecture with modern luxury. Enjoy sweeping golf course views from every window in this light-filled, Tudor-style condo—an elegant retreat just minutes from shops, dining, parks, and the Pelham Metro-North station. Inside, a sun-drenched living room features a

    Elizabeth Ritchie Julia B Fee Sothebys Int. Rlty

    914 Wynnewood Rd Unit 3R, Pelham, NY 10803
  • /9

    $275,000

    • 1 Bed
    • 1 Bath
    • 1,100 Sq Ft

    1200 Midland Ave Unit 8F, Bronxville, NY 10708

    Welcome to this 1100 Square Foot one bedroom with walk in closet and great sunlight & one bath. Features Large Living Room Dining room and renovated galley Kitchen. Long hallway to bedroom & bathroom with closet space in every direction. One parking space included. Bronxville Knolls Tower. This is a doorman building. Huge living room and formal dining room with door leading to Terrace. Wood

    Anthony DeCioccio RE/MAX Prestige Properties

    1200 Midland Ave Unit 8F, Bronxville, NY 10708
  • /35

    $1,299,000

    • 3 Beds
    • 2.5 Baths
    • 2,900 Sq Ft

    9 Glenbrooke Dr, White Plains, NY 10605

    The Large, Small House – One-Level Living at Its FinestThis charming ranch-style home is the perfect blend of ease and elegance — a large, small house with generously sized rooms and thoughtfully designed spaces, all on one convenient level.Set within an intimate, select community, this home offers low-maintenance living with an HOA that handles landscaping, tree care, and even snow

    Alix Prince Julia B Fee Sothebys Int. Rlty

    9 Glenbrooke Dr, White Plains, NY 10605
  • /40

    $899,900

    • 4 Beds
    • 2.5 Baths
    • 2,922 Sq Ft

    2 Ann Place, Valhalla, NY 10595

    Not Your Average Cape – Sophisticated Charm in Valhalla! Welcome to this striking brick corner home in the heart of Valhalla, located in the sought-after Town of Mount Pleasant. Gracefully positioned on a corner lot, this brick Valhalla home immediately captivates with its manicured landscaping, expansive driveway, and signature bay window. Step inside and be swept away by the expansive living

    Gino Bello Howard Hanna Rand Realty

    2 Ann Place, Valhalla, NY 10595
  • /31

    $1,865,000

    • 5 Beds
    • 5 Baths
    • 2,970 Sq Ft

    18 Forest Ln, Scarsdale, NY 10583

    Welcome to this picture-perfect Center-Hall Colonial, where classic architectural beauty meets modern-day comfort. Nestled on a tree-lined street in the coveted Edgewood neighborhood, this gracious home has been lovingly maintained and thoughtfully updated, offering the perfect blend of tradition, warmth, and functionality. The main level welcomes you with a light-filled living room, complete

    Michele Lilly Houlihan Lawrence Inc.

    18 Forest Ln, Scarsdale, NY 10583
  • /33

    $1,175,000

    • 3 Beds
    • 3.5 Baths
    • 2,170 Sq Ft

    28 Wyldwood Dr, Tarrytown, NY 10591

    Tucked into the wooded hillsides of Tarrytown, this elegant townhome in the Wyldwood community offers a rare blend of scale, style, and amenities—just 35 minutes from Manhattan.Step inside to a light-filled layout designed for both everyday living and effortless entertaining. The main level features hardwood floors, an open-concept living and dining area with a fireplace, and seamless

    Richard Blanchet Compass Greater NY, LLC

    28 Wyldwood Dr, Tarrytown, NY 10591
  • /44

    $799,000

    • 4 Beds
    • 2 Baths
    • 1,677 Sq Ft

    130 Cresthill Rd, Yonkers, NY 10710

    Discover the perfect blend of suburban tranquility & modern elegance in this breathtaking, fully updated residence, tailored for those embarking on their homeownership journey, city commuters craving peace after a long day, or individuals seeking a stylish downsize. Embrace the warmth of an open-concept living space, where natural light dances across new custom cabinetry, glistening quartz

    Tony Murphy Houlihan Lawrence Inc.

    130 Cresthill Rd, Yonkers, NY 10710
  • /13

    $364,900

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

    36 Huntington Cir, Peekskill, NY 10566

    Welcome to care-free living in one of Peekskill’s most desirable garden-style communities! This third-floor (TOP FLOOR) two-bedroom, two-bath condo offers approximately 1,100 square feet of comfortable living space with a terrace. Step inside to a sun-drenched living and dining area with sliding glass doors that lead to your own private terrace—the perfect spot for morning coffee or winding down

    Brad Schneider Century 21 Elite Realty

    36 Huntington Cir, Peekskill, NY 10566
  • /26

    $699,000

    • 3 Beds
    • 3 Baths
    • 1,520 Sq Ft

    3 Ivy Place, Hartsdale, NY 10530

    A great opportunity awaits the buyer of this charming and updated home, located on a quiet cul de sac in Hartsdale, and within the desirable Ardsley school district. This split level offers three large bedrooms and a beautifully renovated kitchen on a level lot. From the entry hall, head downstairs, where you'll find living room with an impressive brick, wood-burning fireplace for cozy winter

    Melanie Dobbs Compass Greater NY, LLC

    3 Ivy Place, Hartsdale, NY 10530
  • /48

    $5,750,000

    • 5 Beds
    • 4.5 Baths
    • 6,230 Sq Ft

    328 Mclain St, Bedford Hills, NY 10507

    Designed and built between 1906 and 1907 by renowned architects Delano and Aldrich as the country house of Judge Learned Hand, this gracious Colonial has been wonderfully preserved and maintained for more than a century. Set behind a gated, tree-lined gravel driveway, this exceptional example of early 20th-century Georgian architecture offers a comforting sense of privacy and

    Christine Foster Corcoran Legends Realty

    328 Mclain St, Bedford Hills, NY 10507
  • /31

    $749,000

    • 4 Beds
    • 3 Baths
    • 1,930 Sq Ft

    303 Helena Ave, Yonkers, NY 10710

    Welcome to this timeless and lovingly maintained expanded ranch home, cherished and cared for by the same family for more than 35 years. Nestled in the quiet Colonial Heights neighborhood, this beautifully maintained residence offers the perfect blend of classic charm and modern flexibility. This charming single-family home has the perfect mother/daughter setup—two private living spaces under one

    Ayana Miller Real Broker NY LLC

    303 Helena Ave, Yonkers, NY 10710
  • /20

    $178,000

    • 1 Bed
    • 1 Bath
    • 910 Sq Ft

    30 Clinton Place Unit 2F, New Rochelle, NY 10801

    Welcome to this beautifully maintained and generously sized 1-bedroom, 1-bath co-op offering over 900 square feet of comfortable living space in one of New Rochelle's most desirable locations. Just steps from vibrant downtown shopping, acclaimed restaurants, scenic beaches, and picturesque parks, this home combines convenience with classic charm.This rare 5-room layout features a sunken

    Marina Kolmer William Raveis Real Estate

    30 Clinton Place Unit 2F, New Rochelle, NY 10801
  • /24

    $585,000

    • 3 Beds
    • 2.5 Baths
    • 1,720 Sq Ft

    24 Wild Birch Farms, Cortlandt Manor, NY 10567

    Welcome to 24 Wild Birch Farms, a stunning 3-bedroom, 2.5-bath end-unit townhouse-style condo, nestled in the sought-after Wild Birch Farms community of Cortlandt Manor, NY. This beautifully designed townhome offers the perfect blend of modern comfort and vibrant community living. The first floor boast a spacious entry way that is open to the eat-in kitchen, ideal for casual meals and flows

    Anthony Tompkins Century 21 Hire Realty

    24 Wild Birch Farms, Cortlandt Manor, NY 10567
  • /3

    $165,000

    • 1 Bed
    • 1 Bath
    • 850 Sq Ft

    3 Cascade Terrace Unit 1E, Yonkers, NY 10703

    AO as of 7/17/25... Still Showing until Contract is executed... Welcome to your future haven! Nestled in a serene cul-de-sac, this charming 1-bedroom, 1-bath garden-style apartment invites you to embark on a creative renovation journey. Imagine the possibilities as you transform this space into your personalized oasis, with additional room for a cozy home office or a tranquil

    Eric Agosto Compass Greater NY, LLC

    3 Cascade Terrace Unit 1E, Yonkers, NY 10703
  • /45

    $899,000 Open Sat 2PM - 4PM

    • 3 Beds
    • 3 Baths
    • 2,200 Sq Ft

    54 Maria Ln, Yonkers, NY 10710

    Welcome to 54 Maria Lane, an inviting split-level home located in the desirable Yonkers Heights neighborhood, just a stone's throw from the Crestwood train station and Scarsdale Road. This charming well landscaped residence offers three spacious bedrooms and three full bathrooms, providing ample space for family and guests. The home features modern LED lighting and beautiful hardwood floors

    Joseph Cosentino Westchester Realty Consultants

    54 Maria Ln, Yonkers, NY 10710
  • /34

    $1,895,000

    • 4 Beds
    • 3 Baths
    • 2,541 Sq Ft

    23 Montrose Rd, Scarsdale, NY 10583

    Welcome to 23 Montrose Road! This stately Greenacres Tudor is set on a deep, lush .37-acre property, beautifully landscaped with mature evergreens and vibrant perennial gardens. Ideally located just one block from the newly renovated Greenacres Elementary School with its fabulous playground and playing fields!This welcoming residence blends classic architectural charm with thoughtful updates

    Dawn Knief Julia B Fee Sothebys Int. Rlty

    23 Montrose Rd, Scarsdale, NY 10583
  • /33

    $609,000

    • 3 Beds
    • 2 Baths
    • 2,250 Sq Ft

    204 Seward St, Buchanan, NY 10511

    ACCEPTED OFFER. Inviting Buchanan Split-Level with Finished Basement & Pool with a BRAND NEW ROOF 1/2025Discover this spacious 2250 sq ft brick split-level home, ideally situated on a quiet dead-end street in the charming Village of Buchanan. This 3-bedroom, 2-full bath residence offers comfortable living across multiple levels. The main floor features a beautiful kitchen with

    Kelly Mahoney Joseph Baratta Company Realty

    204 Seward St, Buchanan, NY 10511
  • /33

    $665,000

    • 2 Beds
    • 2 Baths
    • 1,220 Sq Ft

    18 English Ln, Dobbs Ferry, NY 10522

    Welcome to this delightful two-bedroom, two-bath home tucked away on a quiet street in the heart of Dobbs Ferry. Full of curb appeal and nestled on a beautifully treed oversized lot, this home offers a rare blend of privacy, walkability and potential. Step inside and you'll find a well - maintained and exceptionally clean interior with a traditional layout. While the home offers an

    Debra Westbrook Coldwell Banker Realty

    18 English Ln, Dobbs Ferry, NY 10522
  • /15

    $665,000 Open Wed 5PM - 7PM

    • 2 Beds
    • 2 Baths
    • 1,232 Sq Ft

    701 Ridge Hill Blvd Unit 10 B, Yonkers, NY 10710

    Sponsor incentive!!! 6 months of cc's/ HOA's covered by the sponsor with a contract signed by 7/31. Welcome to this spaciously laid out condo located at 701 Ridge Hill Blvd in Yonkers, NY, where modern living meets unparalleled amenities. This roomy 1,232 square foot residence offers a seamless blend of comfort and style, featuring two generous bedrooms and two well-appointed bathrooms among its

    Eric Agosto Compass Greater NY, LLC

    701 Ridge Hill Blvd Unit 10 B, Yonkers, NY 10710
  • /30

    $1,995,000

    • 4 Beds
    • 4.5 Baths
    • 5,500 Sq Ft

    31 Colonial Rd, White Plains, NY 10605

    Wow – a 1938 colonial brought into the modern world with a thoughtful renovation and located on a rare double lot in Old Oak Ridge – a prestigious, sought-after neighborhood in White Plains. (4583 ) square feet with (1631) sq feet finished lower level. 4 bedrooms,4.5 baths, including a bonus room to make your own. Finishes include: slate roof, granite exterior on first floor, terrazzo floors in

    Dalia Valdes Julia B Fee Sothebys Int. Rlty

    31 Colonial Rd, White Plains, NY 10605
  • /16

    $975,000

    • 3 Beds
    • 1 Bath
    • 1,288 Sq Ft

    42 Deane Place, Larchmont, NY 10538

    Phenomenal opportunity in Larchmont awaits. This one-of-a-kind property boasts breathtaking panoramic views of the Premium River Conservation Area. A bird lover's paradise. Natural light and sea breezes fill this charming home just waiting for your touches and architectural vision. Home boast large deck for splendid water views, circular 1st floor flow, wood burning fireplace and hardwood floors

    Lisa Goodrich - Zedlovich Guard Hill Realty

    42 Deane Place, Larchmont, NY 10538
  • /43

    $849,900

    • 6 Beds
    • 3 Baths
    • 5,227 Sq Ft

    71 Dell Ave, Mount Vernon, NY 10553

    Location, location, location !!! Newly Renovated Duplex Two-Family Home! with a fully finished basement that is great for storage and entertainment and be a Landlord to the Top floor. 3 Bedrooms Unit! 1 bath Walk into a cozy open living room with hardwood floors and then walk on to the sunny eat-in kitchen. Upstairs, enjoy 2-bedrooms with ample closets and natural sunlight throughout. The 3rd

    Paloma Carvajal Suero P R O Links Realty Inc

    71 Dell Ave, Mount Vernon, NY 10553
  • /12

    $205,000

    • 1 Bed
    • 1 Bath
    • 700 Sq Ft

    2261 Palmer Ave Unit 2A, New Rochelle, NY 10801

    Discover the opportunity to make this one bedroom co-op your own! Featuring a generous layout with plenty of natural light, this unit offers a large living area, perfect for relaxing or entertaining. The stand-up feature is the serene bathroom with a soaking tub – ideal for unwinding after a long day. Located in the desired Dorchester building, this presents a fantastic canvas for customization

    Michelle Drenga Weichert Realtor Future Vision

    2261 Palmer Ave Unit 2A, New Rochelle, NY 10801
  • /21

    $450,000

    • 1 Bed
    • 1 Bath
    • 829 Sq Ft

    85 N Broadway Unit 2H, White Plains, NY 10603

    Step back in time at The Chateau and view this charming one bedroom unit. All of the updating has been purposely keeping the original details. Corner unit with wooded views off the living room. The kitchen cabinets, bathroom fixtures, and lighting fixtures are all in keeping with the 1925 era. Located conveniently to downtown White Plains with transportation, stores and restaurant nearby.

    Gary Leogrande Keller Williams NY Realty

    85 N Broadway Unit 2H, White Plains, NY 10603
  • /22

    $575,000

    • 3 Beds
    • 1.5 Baths
    • 1,284 Sq Ft

    1777 Central St, Yorktown Heights, NY 10598

    Nestled in the heart of downtown Yorktown Heights, this charming colonial-style home boasts a delightful front porch and a rich history as the original carriage house for the Methodist church. Enjoy the convenience of a short stroll to town, places of worship, and more. The home features beautiful hardwood floors throughout, a living and dining room with exposed beams, and an eat-in kitchen with

    Anna Priskie Compass Greater NY, LLC

    1777 Central St, Yorktown Heights, NY 10598
  • /19

    $200,000

    • 1 Bed
    • 1 Bath
    • 850 Sq Ft

    33 Barker Ave Unit 6K, White Plains, NY 10601

    Bright and spacious 1-Bedroom Co-op in the heart of downtown White Plains. Welcome to this spacious 1-bedroom, 1-bath corner unit located in a well-kept co-op building in vibrant Downtown White Plains. This bright unit features Parquet wood floors throughout and oversized windows that flood the space with natural light. The large living room offers ample space for entertaining, while the separate

    Judith Kelly Houlihan Lawrence Inc.

    33 Barker Ave Unit 6K, White Plains, NY 10601
  • /27

    $404,999

    • 2 Beds
    • 2 Baths
    • 1,200 Sq Ft

    370 Central Park Ave Unit 3D, Scarsdale, NY 10583

    This very spacious co-op in the sought-after Edgemont school district has a renovated kitchen and two renovated bathrooms, and a separate dining room. The entry hall has 2 closets, and opens to a large living room with wood parquet floors, crown molding and a new air conditioner in the wall. Terrific contemporary kitchen has white cabinetry, granite countertops with an undermount sink,

    Marilyn Krizansky Houlihan Lawrence Inc.

    370 Central Park Ave Unit 3D, Scarsdale, NY 10583
  • /37

    $155,000

    • 2 Beds
    • 1 Bath
    • 1,000 Sq Ft

    29 Abeel St Unit 4L, Yonkers, NY 10705

    Two Bedroom coop in sought after Valentine Gardens. This corner two bedroom co-op includes all utilities and is bright and airy with plenty of room to move around. The eat-in-kitchen has lots of cabinets, quartz counters, stainless steel appliances and a window in the eating area provides light and fresh air. The sunny living room opens to the large dining area. The corner main bedroom is

    Beverly Morris BHG Real Estate Choice Realty

    29 Abeel St Unit 4L, Yonkers, NY 10705
  • /44

    $699,000

    • 2 Beds
    • 2 Baths
    • 1,352 Sq Ft

    46 Alta Place, Yonkers, NY 10710

    Welcome to your dream home, perfect for 1st-time buyers, commuters, or those looking to downsize into comfort & style. Immerse yourself in this impeccable 2-3 bedroom, 2-bathroom no step ranch, nestled in the tranquility of a private cul-de-sac in sought-after Colonial Heights. Revel in an open floor plan that radiates with natural light, complementing the pristine hardwood floors & elegant crown

    Tony Murphy Houlihan Lawrence Inc.

    46 Alta Place, Yonkers, NY 10710
  • /36

    $1,200,000

    • 4 Beds
    • 2.5 Baths
    • 2,447 Sq Ft

    21 Kipp St, Chappaqua, NY 10514

    Step into this beautifully updated 4-bedroom, 2.5-bathroom home, just a short stroll from the vibrant shops, dining, and charm of downtown Chappaqua. Perfectly situated for an easy city commute, this home offers the ideal blend of convenience and tranquility. Inside, you'll find generously sized rooms filled with natural light. The serene primary suite provides a peaceful retreat at the end of

    Vanessa Catalano Julia B Fee Sothebys Int. Rlty

    21 Kipp St, Chappaqua, NY 10514
  • /34

    $1,325,000

    • 3 Beds
    • 3 Baths
    • 2,186 Sq Ft

    249 Old Post Rd, Mount Kisco, NY 10549

    Located just minutes from the heart of Bedford Village, 249 Old Post Road offers a rare opportunity to renovate, restore, or rebuild on nearly 5 private acres. Set back from the road and surrounded by mature trees, the property provides a peaceful, usable landscape with stone walls, a pool, and a vintage barn with endless possibilities. The existing home offers a flexible footprint, spacious room

    Brian Milton Compass Greater NY, LLC

    249 Old Post Rd, Mount Kisco, NY 10549
  • /10

    $125,000

    • 1 Bath
    • 600 Sq Ft

    20 Secor Place Unit 5L, Yonkers, NY 10704

    Beautiful Studio for sale. This unit is on the 5th floor of the Sherwood Hill Complex which is set back off of Yonkers Avenue. This is a spacious, open flow studio with 2 double closet and 1 single closet. The kitchen has white cabinets with stainless steel appliances. The Sherwood Hill complex is 6 stories high and this unit is on the 5th floor. The building has 2 elevators, a laundry room

    Sheryl Davitt Venture Realty Assoc. LTD

    20 Secor Place Unit 5L, Yonkers, NY 10704
  • /40

    $879,000

    • 3 Beds
    • 2 Baths
    • 1,767 Sq Ft

    167 Hillview Ave, Yonkers, NY 10704

    Presenting a wonderful 2 family with tons of curb appeal, perfect for 1st-time buyers, savvy investors, or daily commuters searching for the ideal blend of comfort & convenience! Immerse yourself in this stunning duplex, showcasing total move-in readiness with modern updates & meticulous maintenance throughout. This gem features a 1st-floor living space bathed in natural light, boasting a cozy

    Tony Murphy Houlihan Lawrence Inc.

    167 Hillview Ave, Yonkers, NY 10704
  • /36

    $579,000

    • 2 Beds
    • 2 Baths
    • 1,185 Sq Ft

    50 Columbus Ave Unit 611, Tuckahoe, NY 10707

    Welcome to Luxury Living at the Tower Club in Tuckahoe! Be the first to enjoy this 2025 fully renovated, sun-filled corner unit at the highly desirable Tower Club. This spacious and stylish 2-bedroom, 2-bathroom Condo offers the perfect blend of modern elegance and everyday comfort. Step inside to find gleaming wood floors, fresh paint throughout, and brand-new everything—from the stunning eat-in

    Tracey Di Brino Houlihan Lawrence Inc.

    50 Columbus Ave Unit 611, Tuckahoe, NY 10707

Showing Results 521 - 560, Page 14 of 18

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