Wyoming Homes for Sale with No HOA Fee

• 

  

  

  /22

  $469,900

  • 4 Beds
  • 2 Baths
  • 1,848 Sq Ft

  5111 S Center St, Casper, WY 82601

  Move in ready! Why wait for new?!? Stripped to the studs inside and out this beautiful home is practically new construction. Located in the Sunrise Hills neighborhood at the base of the mountain. Everything is brand new: roof, windows, siding, stone, insulation, drywall, texture, trim, doors, cabinets, flooring, fixtures AND plumbing, electrical service. Four full egress windows in the basement.

  Leslie M Bower LPT Realty

  5111 S Center St, Casper, WY 82601
• 

  

  

  /33

  $445,900

  • 4 Beds
  • 3 Baths
  • 2,622 Sq Ft

  380 Sheep Creek Dr, Rock Springs, WY 82901

  Listed by AAA Properties, LLC – Jannel Fossen | (307) 389 - 0903 Welcome to one of the largest corner lots in the desirable City’s Edge Subdivision by White Mountain Library! This spacious home features an open-concept layout with vaulted ceilings. Recent updates include fresh interior paint, luxury plank vinyl (LPV) flooring, new baseboard trim on the main level. ***BRAND NEW*** carpet

  Jannel Fossen AAA Properties, LLC

  380 Sheep Creek Dr, Rock Springs, WY 82901
• 

  

  

  /24

  $415,000

  • 4 Beds
  • 4 Baths
  • 2,155 Sq Ft

  1408 Sunny Hill Dr, Cheyenne, WY 82001

  Rare find on quiet cul-de-sac in Sunrise Estates! Home offers lots of natural light, newer carpet, newer marble flooring, newer heater, vaulted ceiling. Basement features recreational room, wet bar and mini fridge for entertaining with built in surround sound stereo system. Two car garage has new garage door with engine hoist and heater. Fully fenced in back yard with partial stone wall. Patio

  Diane Bendinskis Selling Homes Network

  1408 Sunny Hill Dr, Cheyenne, WY 82001
• 

  

  

  /23

  $425,000

  • 6 Beds
  • 3 Baths
  • 2,454 Sq Ft

  361 Chalmette Ct, Cheyenne, WY 82009

  Welcome to this beautiful ranch-style home tucked away in a peaceful Cheyenne cul-de-sac! Offering 6 spacious bedrooms and 3 full bathrooms. Enjoy the warmth of gorgeous hardwood floors on the main level and the abundance of natural light from full egress windows in the finished basement. With generous storage throughout and plenty of room to grow, this home is both functional and inviting.

  Amber Cano Dynamic Real Estate, LLC

  361 Chalmette Ct, Cheyenne, WY 82009
• 

  

  

  /21

  $499,900

  • 3 Beds
  • 2.5 Baths
  • 2,058 Sq Ft

  120 Carriage Dr, Evanston, WY 82930

  Immaculate well maintained ranch style home located at the end of a quiet street. From the moment you step in side you will see the pride in ownership. This 3 bedroom 2 bath home features a sunken living room, spacious layout and a full basement for additional living or storage space. NO neighbors on the side and a private backyard. Don’t miss out on this gem. Call Darcy Maldonado 307-708-0236

  Darcy Maldonado UNiTY Group Real Estate

  120 Carriage Dr, Evanston, WY 82930
• 

  

  /29

  $444,000

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

  2755 Hitching Post Dr, Green River, WY 82935

  Stunning Mountain Modern Home with Gorgeous Upgrades & Panoramic Views Experience the perfect blend of modern design and mountain charm in this beautifully upgraded home, ideally situated on a prime corner lot. Flooded with natural light from expansive windows, this residence offers breathtaking mountain views from nearly every room. Thoughtfully designed with high-end finishes throughout, the

  Moriah Teuscher RE/MAX Big Country

  2755 Hitching Post Dr, Green River, WY 82935
• 

  

  /26

  $495,000 Open Sat 11AM - 1PM

  • 3 Beds
  • 2 Baths
  • 1,764 Sq Ft

  738 S Thurmond St, Sheridan, WY 82801

  Find yourself at home in this charming, original Craftsman located in one of Sheridan's most historic neighborhoods. Just blocks from downtown, this three-bedroom, two-bath home offers both classic character and convenience. Wood floors throughout and original custom features make this home a unique charmer. It includes a detached garage that would make a great shop, as well as a shed with ample

  Victoria Gray CENTURY 21 BHJ Realty, Inc.

  738 S Thurmond St, Sheridan, WY 82801
• 

  

  /37

  $440,000

  • 4 Beds
  • 3 Baths
  • 2,684 Sq Ft

  300 Cedar St, Green River, WY 82935

  Step into modern comfort with this beautifully remodeled 4-bedroom, 3-bathroom home. Every detail has been thoughtfully updated, including brand-new appliances, flooring, furnace, AC unit and custom-designed bathrooms and kitchen featuring elegant granite countertops. The heart of the home is an expansive open-concept living area, where the kitchen seamlessly flows into a bright and airy space

  Alyssa Olds Brokerage Southwest

  300 Cedar St, Green River, WY 82935
• 

  

  /36

  $435,000

  • 4 Beds
  • 3 Baths
  • 2,640 Sq Ft

  5402 Laura Dawn Ave, Cheyenne, WY 82009

  Welcome to easy living in this centrally located, spacious, ranch-style home featuring 4 bedrooms and 3 bathrooms, perfectly situated on a desirable corner lot. You'll feel right at home with the large room sizes and central gas fireplace. The primary suite offers a private retreat with a full ensuite bathroom, providing comfort and convenience. Thoughtfully designed with low-maintenance living

  Kelsie Renneisen Peak Properties, LLC

  5402 Laura Dawn Ave, Cheyenne, WY 82009
• 

  

  /9

  $450,000

  • 5 Beds
  • 2.5 Baths
  • 2,436 Sq Ft

  1720 Maroon Dr, Cheyenne, WY 82001

  Spacious 5-Bedroom Home in a Fantastic Neighborhood! Welcome to this beautifully maintained 5-bedroom, 3-bathroom home. With plenty of space for family, guests, or a home office setup, this property offers the perfect blend of comfort and functionality. Step inside to an open and inviting layout featuring a large living area, well-appointed kitchen, and ample natural light throughout. The main

  Krista Boyer Peak Properties, LLC

  1720 Maroon Dr, Cheyenne, WY 82001
• 

  

  /144

  $445,000

  • 3 Beds
  • 3 Baths
  • 2,072 Sq Ft

  3310 Tee Ct, Gillette, WY 82718

  Wyoming Views... Boy oh Boy, You've Got to See This One! Beautiful Home in Westover Hills Subdivision!!Don't miss this stunning 3-bedroom, 2.75-bath home nestled in a peaceful cul-de-sac in the highly desirable Westover Hills Subdivision. This property offers the perfect blend of modern style, smart functionality, and everyday comfort.Inside, you'll find two spacious living rooms

  Melody Estabrook Signature Real Estate Group

  3310 Tee Ct, Gillette, WY 82718
• 

  

  /51

  $460,000

  • 4 Beds
  • 2 Baths
  • 1,782 Sq Ft

  13 Wild Prairie Rd, Gillette, WY 82718

  Experience the best of country living with this exceptionally nice home situated on 8.44 acres between Gillette and Wright! This property offers the perfect blend of comfort, space, and functionality. Bring your animals - there's plenty of room for horses with newly added horse stables. A brand-new whole-house water system adds convenience and peace of mind. The home features a spacious and

  Summer Robertson Team Properties Group, LLC

  13 Wild Prairie Rd, Gillette, WY 82718
• 

  

  /29

  $439,000

  • 3 Beds
  • 3 Baths
  • 1,736 Sq Ft

  1138 Fleming Blvd, Sheridan, WY 82801

  CALL TODAY TO VIEW YOUR NEW HOME located in the Woodland Park Subdivision. Enjoy that great edge of town feel in Sheridan County's southern corridor. From your front door you can drive 5 miles to Big Horn, Wyoming, 2.5 miles to Sheridan, Wyoming and 6.4 miles to the Sheridan County Airport. This move-in ready 3 bedroom, 3 bath home also offers a Built-in Murphy Bed in the family room to

  Daniel (Dan) Burkhart ABC Realty Company

  1138 Fleming Blvd, Sheridan, WY 82801
• 

  

  /30

  $414,500

  • 2 Beds
  • 2 Baths
  • 945 Sq Ft

  1290 Burton St Unit D, Sheridan, WY 82801

  Stylish, Secure & Low-Maintenance Living!This 2 bed, 2 bath condominium offers the perfect lock-and-leave lifestyle with enhanced security features and a modern, refined feel throughout. You'll love the tasteful finishes, private patio/courtyard for morning coffee or evening unwinding, and the convenience of an onsite gym for light workouts.Located near medical offices, the hospital, and

  Shauna Hernandez Summit Realty Group Inc.

  1290 Burton St Unit D, Sheridan, WY 82801
• 

  

  /33

  $450,000

  • 3 Beds
  • 2 Baths
  • 1,800 Sq Ft

  650 N Happy Glen Ln, Evansville, WY 82636

  This rare acreage offers a peaceful lifestyle with beautiful tree coverage, wonderful neighbors, and a breathtaking backyard view from your covered patio. The spacious main house features 3 bedrooms and 2 baths, an oversized 2-car garage, a heated and accessible well house, plus a large shed and dog pens. A charming sunroom and a cold storage room offer flexibility for hobbies, crafts, or even

  Rita Parker No Place Like Home Real Estate, Inc.

  650 N Happy Glen Ln, Evansville, WY 82636
• 

  

  /11

  $475,000

  • 4 Beds
  • 1 Bath
  • 1,407 Sq Ft

  208 E Montana St, Sheridan, WY 82801

  Large lot in town, nearly 1/2 acre waiting for the right new owner. Many possibilities with this R-2 zoned property. Older home on site with 4 beds and one bath, needs TLC and a face lift, the bones are good and new roof installed last fall. Close to the Coffeen Elementary School on S. Sheridan Av.

  Oly Olson Compass Real Estate

  208 E Montana St, Sheridan, WY 82801
• 

  

  /27

  $455,000

  • 5 Beds
  • 3 Baths
  • 3,252 Sq Ft

  2440 Belmont Rd, Casper, WY 82604

  Welcome to 2440 Belmont Road — a spacious and inviting ranch-style home with a walk-out basement, ideally located on a desirable cul-de-sac. Situated on a generous 0.57-acre lot with no backyard neighbors, this property offers uninterrupted western sunsets and breathtaking views that stretch for miles. Featuring 5 bedrooms (2 non-conforming) and 3 bathrooms, this well-maintained home offers

  Tracie Calkin Platinum Properties of Casper

  2440 Belmont Rd, Casper, WY 82604
• 

  

  /16

  $480,000

  • 4 Beds
  • 3 Baths
  • 3,840 Sq Ft

  218 Crest Dr, Torrington, WY 82240

  This is an upscale brick home in the Dillman County Estates. The house is constructed with 2x6 Construction. The property is fenced for horses. There is a small horse barn. There are lots of mature trees. Besides the attached garage the is another detached garage 768 square feet. There is a detached storage building 528 sq. ft. This property is immaculate condition. The HOA is $35 dollars .

  Blair Newman Newman Realty

  218 Crest Dr, Torrington, WY 82240
• 

  

  /19

  $224,900

  • 3 Beds
  • 2.5 Baths
  • 2,103 Sq Ft

  77A 26th St, Wheatland, WY 82201

  This 3-bedroom, 2.5-bathroom twin home is move-in ready. The main floor features an open living room, dining area, kitchen, and half bathroom. The beautiful kitchen features a pantry and black appliances. The dining area has sliding glass doors leading to the privacy fenced backyard. Upstairs are three bedrooms and two bathrooms including a master suite with a walk-in closet and private

  Lisa Cochran R.I.T.E Agency

  77A 26th St, Wheatland, WY 82201
• 

  

  /4

  $155,500

  • Land
  • 0.94 Acre
  • $165,426 per Acre

  514 W Hugus Ave, Saratoga, WY 82331

  Looking for a place to build your dream home or a duplex to live in one side and rent the other side. This wonderful property offers all the pleasures of country living with in town conveniences. Beautiful views of the Snowy Range Mountains. Clear views of Elk Mountain and Kennedy Peak. As well as great views of Sheep Rock with its beautiful sunsets. At the end of a dead-end street, quiet and

  Carolyn Terry Haven Real Estate, LLC

  514 W Hugus Ave, Saratoga, WY 82331
• 

  

  /22

  $239,000

  • 4 Beds
  • 2 Baths
  • 2,340 Sq Ft

  2102 E F St, Torrington, WY 82240

  This 4-bedroom, 2-bath home offers generous space and solid potential, perfectly positioned on a corner lot with a convenient underground sprinkler system, an oversized 2-car garage as well as a nice sized storage shed for extra storage. Inside you will find, a cozy wood-burning fireplace, and a relaxing jetted tub. The home is packed with storage, including abundant built-in cupboards

  Irene Reese 307 Realty Professionals

  2102 E F St, Torrington, WY 82240
• 

  

  /34

  $348,000

  • 2,400 Sq Ft

  1308 High St, Rawlins, WY 82301

  Fantastic investment property that has just become available at 1308 High Street. This is a wonderful opportunity for those looking to invest in real estate or find a place to call home while generating rental income from other units. The property at 1308 High Street offers three unique units, each with its own charm and modern updates. The main unit, 1308 High, boasts a cozy fireplace, a

  Veronica Pell Sage Creek Realty

  1308 High St, Rawlins, WY 82301
• 

  

  /21

  $265,000

  • 2 Beds
  • 1 Bath
  • 1,089 Sq Ft

  820 E 7th St, Cheyenne, WY 82007

  Step into comfort and style with this beautifully remodeled 2-bedroom, 1-bath home. Featuring a spacious main floor primary bedroom and convenient main floor laundry, this home offers functionality at every turn. The open layout is filled with natural light thanks to large windows that enhance the home's bright and airy feel. Enjoy the ease of modern living with updated finishes throughout and a

  Lexi Leckemby Coldwell Banker, The Property Exchange

  820 E 7th St, Cheyenne, WY 82007
• 

  

  /7

  $297,000

  • 1 Bed
  • 1 Bath
  • 400 Sq Ft

  1761 Willow Trail, Sheridan, WY 82801

  Rare find! Over 1.8 acres of elbow room in the city of Sheridan with a garage, shop area, RV Port and small living quarters all under 1 roof! Borders a city property/park area. Watch the deer stroll by while you to create your own private oasis!

  Jason Koltiska CENTURY 21 BHJ Realty, Inc.

  1761 Willow Trail, Sheridan, WY 82801
• 

  

  /30

  $325,000

  • 3 Beds
  • 2 Baths
  • 1,578 Sq Ft

  1731 E Pershing Blvd, Cheyenne, WY 82001

  Charming Updated Rancher in Prime Location! Welcome to this beautifully updated Ranch-style home that perfectly blends classic character with modern amenities! Featuring 3 bedrooms, 2 bathrooms, and a 1-car attached garage, this home offers comfortable living in a fantastic central location. Step inside to discover timeless arch doorways and gleaming hardwood floors that add warmth and charm to

  Justin Howell #1 Properties

  1731 E Pershing Blvd, Cheyenne, WY 82001
• 

  

  /16

  $55,580

  • Land
  • 6 Acres
  • $9,023 per Acre

  Lot 10 Pine Ridge Estates, Upton, WY 82730

  Escape to Wyoming freedom with this 6.16-acre property in Upton, just minutes from the scenic Black Hills and Newcastle. Perfect for building or long-term investment with no restrictions.This quiet, rural property offers privacy and natural beauty with a pre-existing driveway for easy access. The partially wooded land provides shade and seclusion, ideal for hunting, off-grid living, or

  Teigen Marchant Keller Williams Realty Black Hills

  Lot 10 Pine Ridge Estates, Upton, WY 82730
• 

  

  /17

  $137,000

  • 3 Beds
  • 1 Bath
  • 918 Sq Ft

  514 Daley St, Rawlins, WY 82301

  This Affordable One Level home boasts 3 bedrooms and 1 bath. The property has an oversized 1-car garage featuring a brand-new garage door. Moreover, the home has been well-maintained and upgraded in recent years. It comes with a newer furnace, sewer line, carpet, windows, and doors. To top it all off, the roof is also new, providing peace of mind for years to come. Additionally, there are two

  Veronica Pell Sage Creek Realty

  514 Daley St, Rawlins, WY 82301
• 

  

  /37

  $267,000

  • 3 Beds
  • 2 Baths
  • 1,680 Sq Ft

  211 E Goshen St, Moorcroft, WY 82721

  You won't want to miss this exceptionally well-maintained 3 bed 2 bath home that blends comfort, style, and functionality. Featuring two spacious living areas, this home offers flexibility for relaxing, entertaining,.Enjoy the open-concept layout with a large kitchen perfect for gatherings, and a gorgeous built-in entertainment center that adds both charm and convenience.Step outside to a fully

  Summer Robertson Team Properties Group, LLC

  211 E Goshen St, Moorcroft, WY 82721
• 

  

  /6

  $74,500

  • Land
  • 0.47 Acre
  • $158,511 per Acre

  147 S 4th St, Cowley, WY 82420

  Fantastic opportunity to purchase a city lot in the Town of Cowley! This .47 acre (20473 sq. ft) corner lot is in a premium subdivision with mountain views. Lot includes City water, sewer, natural gas, and fiber optic internet to the property line. There are basic subdivision covenants to protect you and your investment, BUT NO HOA fees. Keep the small town feel but only 23 mi. to Powell, 47

  Joseph Wootan ListWithFreedom.com

  147 S 4th St, Cowley, WY 82420
• 

  

  /41

  $265,000

  • 3 Beds
  • 2 Baths
  • 1,308 Sq Ft

  700 5th Ave W, Rock Springs, WY 82901

  ONE LEVEL HOME WITH LARGE GARAGE! This 3 bedroom 2 bath home has an open floor plan with laminate hardwood floors, large eat-in kitchen, and sun room/mudd room for extra space. Home sits on a large fenced corner lot with landscaped yard with sprinkler system, green house private patio. The heated garage is 1240 sq ft with space for 3-4 vehicles, and there is room for RV parking. The roof,

  Stacy Pivic Brokerage Southwest

  700 5th Ave W, Rock Springs, WY 82901
• 

  

  /25

  $330,000

  • 3 Beds
  • 2 Baths
  • 1,309 Sq Ft

  1060 Evans St, Laramie, WY 82070

  Welcome to this delightful 3 bed, 2 bathroom perfect for those seeking cozy and comfort. As you enter, you are greeted by a bright and inviting living space that flows into the dining area and well-appointed kitchen. It features all main floor living for ease and comfort. Enjoy the porch perfect for morning coffee or step outside to the back yard to discover your private outdoor oasis which

  Trenille Young Century 21 Bell Real Estate

  1060 Evans St, Laramie, WY 82070
• 

  

  /36

  $385,000

  • Studio
  • 1,014 Sq Ft

  702 E 2nd St, Cheyenne, WY 82007

  DUPLEX! DOWNSTAIRS NOT RENTED, MOVE IN READY! UPSTAIRS RENTED AT $1625.00 PER MONTH UNTIL MAY 2026!Owner occupy or rent! ALL BRAND NEW - Completed gutted Duplex! NEW EVERYTHING, INVESTOR READY, MOVE INREADY! Excellent opportunity! 2 separate meters. 3 bed, 1 bath, upper. 3 bed, 1 bath, lower, BOTH with Washer and Dryer hookupoption and STORAGE. 2012NEW shed. NEW roof and HVAC system. Forced air

  Natalee Newsom N & N Realty, LLC

  702 E 2nd St, Cheyenne, WY 82007
• 

  

  /46

  $2,250,000

  • 3 Beds
  • 4 Baths
  • 4,000 Sq Ft

  13981 Us Hwy 189 & 191, Bondurant, WY 82922

  Perched atop 6.7 acres with sweeping views of the Gros Ventre and Wyoming Mountain Ranges, this meticulously maintained 4,000 SF home is the ultimate Wyoming retreat. Bordering Bridger-Teton National Forest, the property offers direct access to world-class snow machining, hiking, cross-country skiing, and horseback riding right out your back gate. The open floorplan features expansive living

  Melissa Harrison Keller Williams Jackson Hole

  13981 Us Hwy 189 & 191, Bondurant, WY 82922
• 

  

  /32

  $337,500 Open Sat 1PM - 3PM

  • 3 Beds
  • 2 Baths
  • 1,680 Sq Ft

  4825 E 12th St, Cheyenne, WY 82001

  Charming 3-bedroom, 2-bathroom home on a spacious corner lot in the desirable Sun Valley subdivision! Offering 1,680 sq ft of living space, this home features a functional layout with a finished basement and a flexible bonus room perfect as a 4th bedroom, home office, or gym. Enjoy recent updates including a remodeled lower-level bathroom and a newer heating system for added comfort and

  CAITLIN WHITING eXp Realty, LLC

  4825 E 12th St, Cheyenne, WY 82001
• 

  

  /23

  $8,016,000 Open Sat 10AM - 12PM

  • 3 Beds
  • 4.5 Baths
  • 3,408 Sq Ft

  338 Hidden Hollow Dr, Jackson, WY 83001

  These single family Hidden Hollow homes with pristine Elk Refuge views have it all. Designed by Northworks, all have three en suite bedrooms with a fourth flex suite with a bunk area and a dedicated bathroom. William Ohs cabinetry, Wolf, Miele and Sub Zero appliances, including ample wine coolers and coffee systems. Vaulted ceilings, gas fireplaces, white oak flooring and professionally designed

  Brenda Wylie Todd Domenico Real Estate LLC

  338 Hidden Hollow Dr, Jackson, WY 83001
• 

  

  /44

  $685,000

  • 3 Beds
  • 2.5 Baths
  • 1,972 Sq Ft

  1506 E Fairview Dr, Dubois, WY 82513

  SPRAWLING RANCH STYLE HOME. This immaculately beautiful home is located on the golf course in Dubois! With fairway frontage this custom home sports 3 bedrooms, 2.5 baths, 2x6 walls (fiberglass insulation w/vapor barriers), set-in windows, oak hardwood floors & solid oak doors, cathedral ceiling, recessed lighting, zoned heat, laundry room, water softener and plenty of storage . The great room

  Tami Hansen Gannett Realty

  1506 E Fairview Dr, Dubois, WY 82513
• 

  

  /33

  $316,000

  • 3 Beds
  • 2.5 Baths
  • 1,680 Sq Ft

  1100 Cedar Ave, Kemmerer, WY 83101

  Welcome to 1100 Cedar Ave. A beautiful remodeled home on a spacious corner lot! Located right in the heart of Kemmerer. This home offers comfort, convenience, and room to grow. Inside enjoy main level living with 2 bedrooms and a full bathroom plus a Master suite with bathroom, large walk in shower and a walk-in closet. The kitchen has beautiful granite countertops and black stainless steel

  Parker Lewis Big Wyo Realty

  1100 Cedar Ave, Kemmerer, WY 83101
• 

  

  /14

  $225,000

  • 3 Beds
  • 1 Bath
  • 988 Sq Ft

  222 N 7th St, Thermopolis, WY 82443

  This classic ranch offers comfortable, single level living on an attractive corner lot. Step inside to hardwood floors, a spacious kitchen, and nice functional layout. Outside, enjoy a detached double garage, covered storage, and mature yard space with room to garden or play, and the convenience of a quiet yet accessible location close to downtown, schools, our beautiful nine-hole golf course,

  Christine Johnston Properties West, Inc.

  222 N 7th St, Thermopolis, WY 82443
• 

  

  /22

  $325,000

  • 4 Beds
  • 2 Baths
  • 1,976 Sq Ft

  1017 S 3rd St, Laramie, WY 82070

  Flexibility! This property can serve as a comfortable single-family home or a lucrative two-unit rental, thanks to a fully separate basement apartment with private access. Featuring a solid rental history and excellent income potential, this home sits on a high-visibility corner lot—ideal for those looking to live in or invest in a walkable neighborhood. Just blocks from local bars,

  Lisa Moehrke Hammontree Real Estate

  1017 S 3rd St, Laramie, WY 82070
• 

  

  /30

  $289,500

  • 2 Beds
  • 1 Bath
  • 1,216 Sq Ft

  1335 Robin Ln, Riverton, WY 82501

  This charming and well-maintained ranch-style home is situated on a large .51-acre lot on the edge of town. Offering over 1200 square feet of living space on one level, this 2-bedroom, 1-bathroom home features a fantastic floor plan with numerous large windows throughout that allow for abundant natural light and beautiful views of the maturely landscaped yard. You are sure to appreciate the two

  Katie Vroman Wind River Realty Inc

  1335 Robin Ln, Riverton, WY 82501

Showing Results 521 - 560, Page 14 of 18