Homes for Sale near Chaviva High School

• 

  

  

  /6

  $82,000

  • 4 Beds
  • 2 Baths
  • 2,032 Sq Ft

  14720 Coit Rd, Cleveland, OH 44110

  NO SELLER FINANCE. Duplex property... Investors! Two unit house is a cash flowing machine! Gross rent of$2,700/month or $32,400/year, for a 39% ROI. Repairs are needed. Located less than 10-15minutes to downtown, CWRU, Cleveland Clinic, hospitals & University Circle. Amazingopportunity to just collect rents! 39% ROI, NO SELLER FINANCE.

  Marie Bowe USRealty.com LLP

  14720 Coit Rd, Cleveland, OH 44110
• 

  

  

  /18

  $105,000

  • 2 Beds
  • 1 Bath

  1707 Catalpa Rd, Cleveland, OH 44112

  Welcome home to this well-maintained 2-bedroom, 1-bath colonial full of character and potential! Nestled on a quiet street, this home features a spacious living room, a formal dining room, and a light-filled kitchen ready for your personal touch. Upstairs, you’ll find two generously sized bedrooms and a full bath. The full basement offers ample storage or the perfect canvas for a future rec room.

  Patrice Reynolds Keller Williams Greater Metropolitan

  1707 Catalpa Rd, Cleveland, OH 44112
• 

  

  

  /34

  $360,000

  • 5 Beds
  • 2.5 Baths
  • 2,471 Sq Ft

  1120 Croyden Rd, Cleveland, OH 44124

  Welcome Home! Are you looking for a beautiful home on a gorgeous street? You found it here! Space abounds in this fantastic layout. A semi open floor plan allows for a wonderful entertaining space. Gather in the kitchen and family room or go and chat comfortably out front in the living room. Spend your summer evenings on your deck in the back or quietly sitting on the front porch as you

  Michael Jamieson Berkshire Hathaway HomeServices Stouffer Realty

  1120 Croyden Rd, Cleveland, OH 44124
• 

  

  

  /35

  $199,000

  • 3 Beds
  • 1.5 Baths
  • 2,659 Sq Ft

  3790 Princeton Blvd, Cleveland, OH 44121

  Welcome home to this lovely, well-maintained Colonial nestled in a quiet, family-friendly neighborhood within the South Euclid-Lyndhurst school district.This spacious home features four bedrooms and a full bathroom upstairs, offering plenty of space for a growing family or guests. The first floor boasts a welcoming living room and formal dining room, which flow seamlessly into a cozy

  Sue Grazia McDowell Homes Real Estate Services

  3790 Princeton Blvd, Cleveland, OH 44121
• 

  

  

  /35

  $149,900

  • 5 Beds
  • 2 Baths
  • 2,148 Sq Ft

  15409 Grovewood Ave, Cleveland, OH 44110

  Discover this beautifully updated 5-bedroom, 2 full bathroom home boasting over 2,000 square feet of living space just minutes from Lake Erie! With a spacious layout and modern upgrades throughout, this property offers both comfort and opportunity—ideal for homeowners or investors alike.Recent renovations include fresh paint inside and out, an updated kitchen, remodeled bathrooms,

  Journey Toole Keller Williams Living

  15409 Grovewood Ave, Cleveland, OH 44110
• 

  

  /47

  $245,000

  • 3 Beds
  • 2 Baths
  • 2,775 Sq Ft

  1962 Staunton Rd, Cleveland, OH 44118

  This beautifully-maintained 3-bedroom Cape Cod with Central AC, on highly-desirable Staunton road in Cleveland Heights, has so much to offer its next owner! It boasts 2 remodeled FULL bathrooms, a remodeled kitchen with stainless steel appliances, a must-see primary suite on the second floor, and replacement windows throughout that were upgraded with reflective film. You will enjoy the

  Sophie Boehlen Premier Heights Realty LLC

  1962 Staunton Rd, Cleveland, OH 44118
• 

  

  /23

  $59,900

  • 2 Beds
  • 2 Baths
  • 1,083 Sq Ft

  9910 Anderson Ave, Cleveland, OH 44105

  Calling all Investors for your first or next section 8 cash-flowing rental property! This 2-bedroom, 1-bath home is currently generating $1,000/month in gross rent, fully paid by Section 8, ensuring reliable income from day one! While the property could benefit from some TLC, there's significant upside potential to boost value and equity. Featuring a functional layout, spacious bedrooms, and

  Jack Krusinski RE/MAX Above & Beyond

  9910 Anderson Ave, Cleveland, OH 44105
• 

  

  /31

  $104,900

  • 4 Beds
  • 1 Bath
  • 3,659 Sq Ft

  3338 E 130th St, Cleveland, OH 44120

  Welcome to this charming and meticulously maintained colonial style home with 3 spacious bedrooms on the second floor and one oversized bedroom on the third floor. A fully updated bathroom on the second floor. Updated kitchen with exceptional attention to detail. Formal dining room and living room with elegant appeal. Hardwood floors that flow seamlessly across all levels. Oversized third-floor

  Gladimir Lobo Dwelling Network Advisors

  3338 E 130th St, Cleveland, OH 44120
• 

  

  /36

  $175,000

  • 2 Beds
  • 2 Baths
  • 1,365 Sq Ft

  18975 Van Aken Blvd Unit 401, Shaker Heights, OH 44122

  So much charm, comfort and ease of living in this wonderful 4th floor end unit condominium! Step into a beautifully appointed unit with wood flooring, soothing colors that to open light filled living spaces. An open flow, the Living Room sets the tone of the cosmopolitan vibe. Kitchen walls were opened, adding recessed and pendant lighting, to create a more fluid flow. White cabinetry, granite

  Monica Arredondo-Graham Berkshire Hathaway HomeServices Professional Realty

  18975 Van Aken Blvd Unit 401, Shaker Heights, OH 44122
• 

  

  /6

  $101,250

  • 4 Beds
  • 2 Baths
  • 2,290 Sq Ft

  3349 E 132nd St, Cleveland, OH 44120

  NO SELLER FINANCE Duplex property... Investors! Two unit house is a cash flowing machine! Gross rent of $2,700/month or $32,400/year, for a 32% ROI. Repairs are needed. Located less than 10-15 minutes to downtown, CWRU, Cleveland Clinic, hospitals &University Circle. Amazing opportunity to just collect rents! 32% ROI, NO SELLER FINANCE.

  Marie Bowe USRealty.com LLP

  3349 E 132nd St, Cleveland, OH 44120
• 

  

  /6

  $100,000

  • 4 Beds
  • 2 Baths
  • 2,569 Sq Ft

  474 E 128th St, Cleveland, OH 44108

  NO SELLER FINANCE Duplex property... Investors! Two unit house is a cash flowing machine! Gross rent of $2,700/month or $32,400/year, for a 33% ROI. Repairs are needed. Located less than 10-15 minutes to downtown, CWRU, Cleveland Clinic, hospitals & University Circle. Amazing opportunity to just collect rents! 33% ROI, NO SELLER FINANCE.

  Marie Bowe USRealty.com LLP

  474 E 128th St, Cleveland, OH 44108
• 

  

  /6

  $132,800

  • 8 Beds
  • 2 Baths
  • 2,784 Sq Ft

  11705 Fairport Ave, Cleveland, OH 44108

  NO SELLER FINANCE Duplex property... Investors! Two unit house is a cash flowing machine! Gross rent of $3,850/month or $46,200/year, for a 35% ROI. Repairs are needed. Located less than 10-15 minutes to downtown, CWRU, Cleveland Clinic, hospitals & University Circle. Amazing opportunity to just collect rents! 35% ROI, NO SELLER FINANC

  Marie Bowe USRealty.com LLP

  11705 Fairport Ave, Cleveland, OH 44108
• 

  

  /19

  $110,000

  • 4 Beds
  • 1 Bath
  • 1,260 Sq Ft

  7106 Colfax Rd, Cleveland, OH 44104

  Newly Rehabbed 4 Bedroom, 1 Full Bath Colonial Featuring a Very Spacious First Floor Master Bedroom and covered front porch. The property boasts an oversized garage making this location a mechanics dream! Improvements include newly remodeled kitchen and bathroom. New flooring including laminate and carpeting throughout. The location has several newer homes and has easy access to the

  David Sturgeon Howard Hanna

  7106 Colfax Rd, Cleveland, OH 44104
• 

  

  /16

  $125,000

  • 5 Beds
  • 2 Baths
  • 2,320 Sq Ft

  1639 Avalon Rd, Cleveland, OH 44112

  Spacious 2-family investment property newly rehabbed and leased. Rehab includes Brand New Roof and Hot Water Tanks. Each unit features a living room with fireplace, a formal dining room with built-ins, and good-sized bedrooms. The finished 3rd floor is combined with the upstairs unit to make a 3-bedroom unit. The home backs onto Duggan Park with pool, splash park and basketball courts. Close to

  David Sturgeon Howard Hanna

  1639 Avalon Rd, Cleveland, OH 44112
• 

  

  /32

  $144,417

  • 3 Beds
  • 1 Bath
  • 1,362 Sq Ft

  15417 Parkgrove Ave, Cleveland, OH 44110

  Discover the perfect blend of comfort and convenience in this delightful home located in the vibrant Waterloo Arts District of Cleveland. Just four minutes from Euclid Beach and a mere 13 minutes to downtown Cleveland, this property offers easy access to major highways, making commuting a breeze. As you step through the front porch, you’ll be greeted by luxury plank vinyl flooring that flows

  Victoria Wallis RE/MAX Crossroads Properties

  15417 Parkgrove Ave, Cleveland, OH 44110
• 

  

  /30

  $144,421

  • 4 Beds
  • 1 Bath
  • 1,347 Sq Ft

  15421 Parkgrove Ave, Cleveland, OH 44110

  Welcome to this beautifully renovated home located in Cleveland's vibrant Waterloo Arts District, just 4 minutes from Euclid Beach and 13 minutes to downtown Cleveland. With easy access to major highways, this location offers the perfect balance of suburban tranquility and urban convenience. Upon entering, you'll be greeted by a charming front porch that leads to a spacious interior featuring

  Victoria Wallis RE/MAX Crossroads Properties

  15421 Parkgrove Ave, Cleveland, OH 44110
• 

  

  /34

  $298,000

  • 4 Beds
  • 2.5 Baths
  • 2,126 Sq Ft

  1540 S Belvoir Blvd, Cleveland, OH 44121

  Welcome to your next opportunity on one of South Euclid’s most picturesque, tree-lined streets! This spacious four-bedroom home features beautiful natural wood floors, granite counters in the kitchen, and a layout just waiting for your personal touch. Some updates have been started—now it’s your turn to bring the vision to life. Sitting on nearly half an acre, the backyard is a hidden gem! With

  Christy Morek Keller Williams Citywide

  1540 S Belvoir Blvd, Cleveland, OH 44121
• 

  

  /23

  $299,900

  • 4 Beds
  • 2.5 Baths
  • 2,874 Sq Ft

  2277 Mount Vernon Blvd, Cleveland, OH 44112

  Welcome to this beautifully maintained Cape Cod nestled on the edge of the historic Forest Hills neighborhood in East Cleveland. Offering timeless charm and modern comfort, this spacious home is perfect for those seeking character, functionality, and room to grow. With two bedrooms and a full bath on the main level, this home offers the ease and convenience of true first-floor living—perfect for

  Stephanie Boyer Berkshire Hathaway HomeServices Professional Realty

  2277 Mount Vernon Blvd, Cleveland, OH 44112
• 

  

  /50

  $240,000

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

  17314 Lomond Blvd, Cleveland, OH 44120

  This stunning Tudor-style brick Colonial seamlessly blends timeless architecture with modern comfort. Offering 4 spacious bedrooms and 3 full baths, this turnkey home is designed for both everyday living and elegant entertaining. Step into a generously sized kitchen that provides ample space for cooking and gatherings, while the sizable bedrooms offer comfort and privacy for the whole family.

  Carol Joiner Keller Williams Greater Metropolitan

  17314 Lomond Blvd, Cleveland, OH 44120
• 

  

  /9

  $114,900

  • 3 Beds
  • 2 Baths

  496 Trebisky Rd, Cleveland, OH 44143

  Welcome to this cozy 3-bedroom bungalow, nestled on a spacious half-acre lot and full of potential. With a little TLC, this could be the perfect place to call home. The main floor features a comfortable living room highlighted by a wood-burning fireplace, and a kitchen with ample cabinetry, a double sink, and an included fridge and stove. Enjoy your morning coffee in the charming breakfast nook.

  Joseph Vaccaro EXP Realty, LLC.

  496 Trebisky Rd, Cleveland, OH 44143
• 

  

  /30

  $199,999

  • 3 Beds
  • 1.5 Baths
  • 1,484 Sq Ft

  1783 Maywood Rd, Cleveland, OH 44121

  Welcome to 1783 Maywood Road – a beautifully maintained South Euclid colonial, lovingly owned by the same family for over 50 years. This classic home offers a perfect blend of character, space, and care—inside and out. Featuring 3 generous bedrooms and 1.5 bathrooms, the home boasts hardwood floors throughout the living room, dining room, staircase, and second floor bedrooms. A large picture

  Karla Gerhard Keller Williams Living

  1783 Maywood Rd, Cleveland, OH 44121
• 

  

  /26

  $187,900

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

  4106 Colony Rd, Cleveland, OH 44121

  Welcome to this beautifully maintained 3-bedroom, 1.5-bath ranch offering easy one-floor living with an open floor plan and numerous updates. Enjoy hardwood floors, a sun-filled living room, charming built-ins in the dining area, and a spacious eat-in kitchen. The family room opens to a patio and large backyard with a fire pit—perfect for entertaining. The basement features a finished rec room

  Lisa Levine Century 21 Homestar

  4106 Colony Rd, Cleveland, OH 44121
• 

  

  /45

  $269,900

  • 3 Beds
  • 2 Baths
  • 2,144 Sq Ft

  13415 Shaker Blvd Unit 12K3, Cleveland, OH 44120

  This 2000-square-foot corner Three-bedroom, two-full-bath Moreland Courts unit  has so much to offer. Walking into a gallery-type foyer, you enter the living room that has a woodburning fireplace, built-in bookshelves, and hardwood herringbone floors are in most rooms. There's a large dining room adjoining an updated eat-in kitchen with a convenient pantry. This Three-bedroom unit functions so

  Chris Jurcisin Howard Hanna

  13415 Shaker Blvd Unit 12K3, Cleveland, OH 44120
• 

  

  /41

  $400,000

  • 2 Beds
  • 2.5 Baths
  • 1,622 Sq Ft

  1885 E 119th St, Cleveland, OH 44106

  Are you ready to experience the best of Cleveland? Live in this stunning townhome in the heart of Little Italy / University Circle! This fabulous home features industrial-chic finishes and modern design with walls of glass, high ceilings, floating staircase, and floor to ceiling windows creating an enchanting light-filled residence. Beautiful open kitchen with wood cabinets, natural stone

  Geoffrey Hoffman Howard Hanna

  1885 E 119th St, Cleveland, OH 44106
• 

  

  /14

  $274,900

  • 3 Beds
  • 1.5 Baths
  • 1,383 Sq Ft

  1857 Brainard Rd, Cleveland, OH 44124

  Spectacular 3 Bedroom Brick Ranch * Spacious Living Room with Fireplace * Kitchen features Cherry Cabinets, Stainless Steel Appliances * Beautiful Hardwood Floors throughout * New A/C * Partially Finished Basement * Andersen Windows * Updated Electrical Panel * Great Location with Close Access to Highway * Located Across from Park with Baseball Fields and Walking Trails *

  Randy White Keller Williams Greater Metropolitan

  1857 Brainard Rd, Cleveland, OH 44124
• 

  

  /8

  $450,000

  • 3 Beds
  • 2.5 Baths
  • 1,700 Sq Ft

  3874 Washington Blvd, University Heights, OH 44118

  Gorgeous new construction University Heights! About 1700 sq ft of living area, plus a full, unfinished basement, great for storage or additional living area. Traditional colonial layout, but with an open floor plan first floor: eat-in gourmet kitchen open to the living and dining areas. First floor also includes powder room, mud room, first-floor laundry, and entry foyer. Upstairs are 3 spacious

  Michael Ferrante Century 21 Homestar

  3874 Washington Blvd, University Heights, OH 44118
• 

  

  /18

  $399,900 Open Sun 2PM - 4PM

  • 4 Beds
  • 2.5 Baths
  • 1,982 Sq Ft

  14610 Onaway Rd, Cleveland, OH 44120

  A Classic Shaker Colonial! Situated on a Beautiful Shaded street. Nearly 2000 square feet of living space! Close to schools and public transportation. Spacous thru out! Features include 4 Spacious bedrooms, 2.5 baths, modern kitchen and baths, formal dining, finished rec room, sun room, large fenced yard. Also has 2 fireplaces, central air and much more!

  Bryan Hawkins Keller Williams Living

  14610 Onaway Rd, Cleveland, OH 44120
• 

  

  /33

  $159,000

  • 4 Beds
  • 2 Baths
  • 2,604 Sq Ft

  3363 E 102nd St, Cleveland, OH 44104

  This fully renovated multifamily home offers two spacious 2-bedroom units, making it an ideal turnkey investment property. The interior and exterior have been completely remodeled, ensuring modern comfort and durability for a new owner. Located just off Opportunity Corridor this property sits in a rapidly developing area. With over $2 billion in nearby investment—including upgraded public

  Daniell Collyer Plum Tree Realty, LLC

  3363 E 102nd St, Cleveland, OH 44104
• 

  

  /14

  $115,000

  • Land
  • 0.09 Acre
  • $1,250,000 per Acre

  1515 E 123rd St, Cleveland, OH 44106

  This is your chance to build your dream home on a large vacant parcel situated a few blocks from the CWRU campus! This street boasts new construction homes which create have created a vibrant community. Located only minutes from the dynamic University Circle & Little Italy neighborhoods, you'll enjoy easy access to some of the area's most exciting attractions including top-rated CWRU, world

  Keith Tisch Howard Hanna

  1515 E 123rd St, Cleveland, OH 44106
• 

  

  /13

  $95,000

  • 3 Beds
  • 1 Bath

  18609 Shawnee Ave, Cleveland, OH 44119

  Large home near highway I-90. 3 minute walk to grocery store, bank, restaurants, post office, public transportation and parks. Large living room, dining room and kitchen. Hardwood floors and crown moulding throughout. Newer furnace and hot water tank.

  Gary Norton Keller Williams Greater Metropolitan

  18609 Shawnee Ave, Cleveland, OH 44119
• 

  

  /19

  $169,900

  • 4 Beds
  • 1 Bath

  3270 Berkshire Rd, Cleveland Heights, OH 44118

  Opportunity to acquire this fantastic property in the heart of Cleveland Hts! This home features four bedrooms and one full bathroom. Great location close to everything the city has to offer. Hurry to take advantage of this chance before it's too late!

  Christopher Knight Allstar Management, LLC.

  3270 Berkshire Rd, Cleveland Heights, OH 44118
• 

  

  /27

  $459,000

  • 7 Beds
  • 4 Baths
  • 3,876 Sq Ft

  19627 Winslow Rd, Shaker Heights, OH 44122

  Location! Location! Location! Historic Winslow district. Majestic Shaker Heights one of a kind two family brick Tudor features leaded glass windows, vaulted ceilings, beautiful moldings, hardwood floors throughout. Gorgeous 5 bedroom upstairs unit with two story living room perfect for owner occupant or luxury rental featuring brand new upscale kitchen. Built-in corner cabinets with leaded

  Alec Vinokur Realty Now, Inc.

  19627 Winslow Rd, Shaker Heights, OH 44122
• 

  

  /11

  $150,000

  • 2 Beds
  • 1 Bath
  • 727 Sq Ft

  3935 E 176th St, Cleveland, OH 44128

  Welcome to this cozy 2-bedroom bungalow, perfect for those seeking comfort, convenience, and sustainability. Nestled in a peaceful neighborhood, this home features a large fenced-in backyard with a covered patio that is ideal for pets, gardening, or entertaining guests. The detached garage will provide ample storage and parking. Inside, you'll find an inviting living space, with an updated

  Maureen Cottrell Howard Hanna

  3935 E 176th St, Cleveland, OH 44128
• 

  

  /31

  $325,000 Open Sun 2PM - 3:30PM

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

  2431 Queenston Rd, Cleveland, OH 44118

  **SELLERS ARE MOTIVATED AND NOW OFFERING THE BUYER UP TO $7000 TOWARDS CLOSING COSTS OR RATE BUY DOWN IF AN OFFER IS ACCEPTED BY 7/21/25!** BEAUTIFUL renovated four bedroom Tudor home in the much sought after neighborhood of Cleveland Heights... just blocks away from the best bakery in all of Cleveland! This charming TURN-KEY house is perfect for entertaining as the Chef's kitchen featuring

  Michelle McQuade Howard Hanna

  2431 Queenston Rd, Cleveland, OH 44118
• 

  

  /24

  $299,000 Open Fri 5PM - 7PM

  • 3 Beds
  • 1.5 Baths

  3020 E Derbyshire Rd, Cleveland, OH 44118

  Step inside and discover a wonderful blend of character and modern touches, thoughtfully designed to suit today’s lifestyle in the vibrant community of Cleveland Heights. The home's eye-catching blue exterior and grand entry staircase are complemented by manicured landscaping accented with decorative brick-edged flower beds, creating unforgettable curb appeal. Inside, the foyer opens to a

  Jamie Proctor Keller Williams Citywide

  3020 E Derbyshire Rd, Cleveland, OH 44118
• 

  

  /26

  $99,900

  • 3 Beds
  • 1 Bath
  • 1,605 Sq Ft

  801 Rudyard Rd, Cleveland, OH 44110

  Welcome to this bright and spacious Colonial-style home, complete with an inviting front porch perfect for relaxing afternoons! This charming residence features low-maintenance vinyl windows and siding, as well as a newer hot water tank and updated flooring throughout. Inside, you’ll find three comfortable bedrooms and a full bathroom located on the second floor. The expansive attic offers

  Daniell Collyer Plum Tree Realty, LLC

  801 Rudyard Rd, Cleveland, OH 44110
• 

  

  /23

  $75,000

  • 4 Beds
  • 2 Baths

  10801 Mount Auburn Ave, Cleveland, OH 44104

  Attention all investors! Here’s your chance to secure an affordable, tenant-occupied duplex offering immediate cash flow in a high-demand rental area. This solid 4-bedroom, 2 full bath property is a perfect opportunity for both seasoned investors looking to expand their portfolio and first-time buyers eager to jumpstart their investment journey. Currently occupied by a long-term tenant on a

  Christopher Frederick Coldwell Banker Schmidt Realty

  10801 Mount Auburn Ave, Cleveland, OH 44104
• 

  

  /33

  $259,900

  • 3 Beds
  • 2.5 Baths
  • 2,388 Sq Ft

  4852 Edsal Dr, Cleveland, OH 44124

  Welcome to this charming Lyndhurst Colonial! This beautifully maintained 3-bedroom, 3-bath Colonial is nestled in a desirable Lyndhurst neighborhood. The first floor offers natural lighting, spacious living room, a formal dining room perfect for entertaining, a cozy family room & ceiling fans throughout. The functional kitchen is ideal for daily living & offers plenty of counter & cabinet space

  Mia Brown Mia Brown Realty

  4852 Edsal Dr, Cleveland, OH 44124
• 

  

  /15

  $175,000

  • 3 Beds
  • 1.5 Baths
  • 1,894 Sq Ft

  1039 Argonne Rd, Cleveland, OH 44121

  This charming 3-bedroom, 1.5-bath colonial, nestled in the heart of South Euclid, offers comfortable living with desirable updates. The home boasts an updated eat-in kitchen, perfect for casual dining, and hardwood floors throughout the dining room, living room, and all bedrooms. A spacious den on the first floor is great spot for hosting and enjoying time with family and friends. Laundry area

  Yitzchok Horowitz Carmel Realty, LLC.

  1039 Argonne Rd, Cleveland, OH 44121
• 

  

  /12

  $19,900

  • 6 Beds
  • 2 Baths
  • 2,492 Sq Ft

  8120 Cory Ave, Cleveland, OH 44103

  Attention Investors... Huge 2-family home with 3 bedrooms each unit. Third floor could be additional living space for the up unit. Vinyl sided with Vinyl windows. After full rehab, this property could be a cash cow with projected Gross income as high as $2500-$3000 per month. Located 3 streets South of Wade Park Ave and 3 streets North of Hough Ave. 5 minutes (by car) to the Cleveland

  Gregory Scott RE/MAX Haven Realty

  8120 Cory Ave, Cleveland, OH 44103

Showing Results 401 - 440, Page 11 of 18