Homes for Sale near Ninth District Elementary School

• 

  

  

  /19

  $44,900

  • Land
  • 5,227 Sq Ft
  • $374,167 per Acre

  3283 Lookout Valley, Covington, KY 41017

  Design and build something truly special in the upscale Villages of Kyles Lane—with the freedom to bring your own builder and create a home that fits your lifestyle. This homesite spans approximately .12 acres, making it the 3rd largest lot in the community and about 2x larger than most—a rare advantage that gives you more room for inspired design, outdoor living, and everyday ease. The seller

  

  Doug Mayberry

  Huff Realty - Florence

  (855) 623-1709

  3283 Lookout Valley, Covington, KY 41017
• 

  

  

  /3

  $625,000

  • Land
  • 5,850 Sq Ft
  • $4,653,760 per Acre

  1192 Vistapointe Dr Unit 31, Covington, KY 41011

  Available building lot in the Exclusive Park Pointe development. Bring your own builder or let the team at Joshua One guide you through the process of building your dream home.

  

  Chris Kennedy

  Sibcy Cline, REALTORS-Florence

  (859) 681-6559

  1192 Vistapointe Dr Unit 31, Covington, KY 41011
• 

  

  

  /31

  $199,000

  • 1 Bed
  • 1 Bath
  • 776 Sq Ft

  110 Winding Way Unit A, Covington, KY 41011

  Move Right Into This Updated Condo in The Bluffs at Devou Park! Private, Top Floor Unit Makes You Feel Like You Are Away From It All While Knowing That You Are Just Minutes Away From It All In Covington, Newport & Cincinnati. This Unit Has Been Totally Updated and Ready For Its New Owner. Awesome Views of Northern Kentucky & Cincinnati Skyline! Oversized Covered Parking Stall Include (#15). The

  

  Ben Walling

  Cahill Real Estate Services

  (859) 340-8815

  110 Winding Way Unit A, Covington, KY 41011
• 

  

  

  /21

  $248,800

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

  768 Highland Ave, Fort Wright, KY 41011

  Location to downtown, shopping, and the freeways is everything when searching for the perfect home, and this one has it all. With three bedrooms, two baths, and nothing to do but bring your suitcases, this home is truly move in ready. Not only does it feature new roof, siding, and windows, but the flooring, HVAC, fresh paint, and doors have also all been replaced. The kitchen is beautifully

  

  Cindy Shetterly

  Keller Williams Realty Service

  (859) 762-6308

  768 Highland Ave, Fort Wright, KY 41011
• 

  

  

  /26

  $199,900

  • 2 Beds
  • 2 Baths
  • 1,233 Sq Ft

  2150 Ravine St, Cincinnati, OH 45214

  Unique urban home situated on three city lots with character, space, and opportunity. This three-story home features hardwood floors, exposed ductwork, and two full bathrooms, all in a location within walking distance to the University of Cincinnati, Findlay Market, and Fairview Park. The entire third floor serves as a private primary suite with a sitting area, bedroom, and full bathroom. A

  

  Michael Tekulve

  TREO REALTORS

  (513) 993-5790

  

  2150 Ravine St, Cincinnati, OH 45214
• 

  

  /3

  $182,500

  • Land
  • 11,761 Sq Ft
  • $675,926 per Acre

  Lot 37 Crown Point Cir, Crestview Hills, KY 41017

  The community of Crown Point is a unique opportunity to experience the ease of new home ownership while taking advantage of the setting that this outstanding 42-home community offers. Enjoy easy access to the area's upscale shopping with its boutiques and restaurants, and minutes to downtown Cincinnati and CVG airport. Experience the epitome of luxury living with this unparalleled opportunity to

  

  Clayton Horan

  Horan Rosenhagen Real Estate

  (877) 658-9051

  Lot 37 Crown Point Cir, Crestview Hills, KY 41017
• 

  

  /12

  $165,000

  • 3 Beds
  • 2 Baths
  • 1,364 Sq Ft

  602 Fairbanks Ave, Cincinnati, OH 45205

  Charming 3-bedroom, 2 full bath ranch offering a fantastic opportunity for homeowners and investors alike! This home features a functional one-level layout with spacious living areas, a large eat-in kitchen with wood cabinetry, and a partially finished basement providing additional living or flex space. Enjoy the convenience of a driveway for off-street parking, a covered front porch, and a patio

  

  Brandon Willis

  Keller Williams Seven Hills Re

  (513) 548-3346

  

  602 Fairbanks Ave, Cincinnati, OH 45205
• 

  

  /25

  $179,900

  • 1 Bed
  • 1 Bath
  • 612 Sq Ft

  1341 Main St, Cincinnati, OH 45202

  Own a piece of Cincinnati history in this 1894 historic gem. This functional loft condo is priced to sell, offering the rare chance to build sweat equity in the heart of downtown. Featuring authentic 1890s architecture and original hardwood floors, the space is a blank canvas awaiting your modern touch. Whether you're an investor or a first-time buyer looking to customize your own urban retreat,

  

  Nicole Rankin

  Coldwell Banker Realty

  (513) 927-9937

  

  1341 Main St, Cincinnati, OH 45202
• 

  

  /23

  $229,000

  • 2 Beds
  • 1 Bath
  • 867 Sq Ft

  1302 John St, Newport, KY 41071

  Fully renovated and move-in ready, this charming 2-bedroom, 1-bath home offers modern updates in an unbeatable location! Enjoy stylish finishes, updated systems, and a thoughtfully refreshed interior that blends comfort and character. Take in beautiful views of the iconic Downtown Cincinnati Skyline right from your window or porch! Situated in the heart of Newport, this home puts you close to

  

  Nicholas Groh

  Horan Rosenhagen Real Estate

  (859) 681-8741

  1302 John St, Newport, KY 41071
• 

  

  /5

  $15,000

  • Land
  • 6,991 Sq Ft
  • $93,458 per Acre

  910 Treeline Dr, Covington, KY 41017

  Bring your builder and take advantage of the convenience of living in Ft. Mitchell! Package with lot 906 and spread out a little more!

  

  Kyle Art

  RE/MAX Victory + Affiliates

  (866) 251-7963

  910 Treeline Dr, Covington, KY 41017
• 

  

  /9

  $355,900

  • 3,141 Sq Ft

  2232 Fulton Ave, Cincinnati, OH 45206

  Stately two-family property in a prime Cincinnati location just minutes from Eden Park, Hard Rock Casino, major hospitals, and downtown. This classic building features beautiful hardwood floors, soaring ceilings, and a stunning entrance that showcases the home's historic character while benefiting from updated plumbing and modern conveniences. Unit 1 offers 2 bedrooms and 1 bathroom and features

  

  Helen Papazyan

  Fortune Vine Realty

  (513) 905-4656

  

  2232 Fulton Ave, Cincinnati, OH 45206
• 

  

  /12

  $549,000 New Construction

  • 4 Beds
  • 2 Baths
  • 2,475 Sq Ft

  3921 Circollo Dr, Covington, KY 41017

  New construction by Fischer Homes in the beautiful Tuscany community, featuring the stunning Charles design. This unique plan offers 4 bedrooms 2 full baths, and 1 half baths. The expansive family room is the perfect gathering space. Spacious open kitchen with a large island and walk-in pantry connects to the morning room, that walks out to the patio. The owner's suite features a spacious private

  

  Fischer Homes

  Builder

  3921 Circollo Dr, Covington, KY 41017
• 

  

  /24

  $225,000

  • 3 Beds
  • 1.5 Baths
  • 1,668 Sq Ft

  3155 Beech Ave, Covington, KY 41015

  Here's What You've Been Waiting For....Beautiful 3 Bedroom, 1 1⁄2 Bath Home with Tons of Charm! Main Level Offers Timeless Hardwood Flooring, High Ceilings and Fantastic Natural Light Throughout the Living and Dining Area, Fireplace, Half Bath and An Updated Kitchen with Stainless Steel Appliances, Butcher Block Countertops and Additional Pantry Space. Second Level Complete with 3 Generous Size

  

  Heather Townsend

  Huff Realty - Florence

  (859) 694-9861

  3155 Beech Ave, Covington, KY 41015
• 

  

  /33

  $219,900

  • 1 Bed
  • 1 Bath
  • 697 Sq Ft

  1224 Fisk St, Covington, KY 41011

  OPEN HOUSE Saturday 4/25 from 11-1:00pm! Fully renovated, all-brick beauty in the heart of Covington, walk everywhere! Major updates already done for you: HVAC, metal roof, water heater, kitchen, bath, sewer, whole-home water filtration & more. Zero yard maintenance means more time to enjoy life, not manage it. Just minutes to MainStrasse and seconds to the highway... location doesn't get more

  

  Edward Lindenschmidt

  Keller Williams Advisors

  (859) 694-9295

  1224 Fisk St, Covington, KY 41011
• 

  

  /54

  $775,000

  • 3 Beds
  • 3.5 Baths
  • 2,208 Sq Ft

  20 W 13th St, Cincinnati, OH 45202

  Located in the heart of Over-the-Rhine, this renovated historic home sits just 300 feet from Washington Park and steps from some of Cincinnati's best restaurants, bars, and entertainment. Currently operating as a successful short-term rental, the property is offered fully furnished and turnkey, making it an ideal opportunity for investors or buyers seeking an urban lifestyle home. Inside you'll

  

  Sydney Meyer

  Sibcy Cline, Inc.

  (513) 450-4083

  

  20 W 13th St, Cincinnati, OH 45202
• 

  

  /5

  $15,000

  • Land
  • 3,876 Sq Ft
  • $168,539 per Acre

  906 Treeline Dr, Fort Mitchell, KY 41017

  Bring your builder and enjoy the convenience of Ft Mitchell! Lot 910 is also available, buy as a package and have that much more space!

  

  Kyle Art

  RE/MAX Victory + Affiliates

  (855) 677-0944

  906 Treeline Dr, Fort Mitchell, KY 41017
• 

  

  /24

  $175,000

  • 3 Beds
  • 2 Baths
  • 1,998 Sq Ft

  1508 Kavanaugh St, Covington, KY 41011

  Investor special ! Solid brick 2 story in the heart of Covington minutes to I 75 and downtown. Lots of Character, exposed brick, natural wood work and hardwood floors. Clean-out and lots of demo have already been completed including kitchen and baths. Cash or possibly rehab loans only. NO FHA VA.

  

  Brian Weber

  eXp Realty, LLC

  (859) 517-5004

  1508 Kavanaugh St, Covington, KY 41011
• 

  

  /9

  $322,265 New Construction

  • 2 Beds
  • 2 Baths
  • 1,243 Sq Ft

  3959 Volterra Ln, Covington, KY 41017

  New construction by Fischer Homes in the desirable Tuscany community featuring the Wembley plan with a Western Craftsman elevation. This thoughtfully designed ranch-style home offers open-concept living with 9' ceilings and a seamless flow between the kitchen, dining, and family room. This home is perfect for both everyday living and entertaining!The well-appointed island kitchen includes 42''

  

  Fischer Homes

  Builder

  3959 Volterra Ln, Covington, KY 41017
• 

  

  /24

  $700,000

  • 8 Beds
  • 6.5 Baths
  • 8,316 Sq Ft

  241 E 10th St, Newport, KY 41071

  Reside in this painstakingly restored historic building along Newport's Monmouth Street Corridor! This brick building features 2-1 bed/1 bathroom unit, 1-3 bed/2.5 bath unit, and 1-3 bedroom/2 bath unit. Tenants are responsible for gas/electric. Owner pays water/sanitation. Mostly updated mechanics. New shingle roof. Ample parking lot with multiple spots for each unit. 24-48 hour notice required.

  

  Shane Reno

  Huff Realty - Florence

  (859) 696-1901

  241 E 10th St, Newport, KY 41071
• 

  

  /59

  $875,000

  • 3 Beds
  • 3 Baths
  • 3,320 Sq Ft

  5744 Sanctuary Place, Cincinnati, OH 45230

  Welcome to 5744 Sanctuary Place. Nestled in a unique Riverfront community offering serene living and stunning river views. Residents enjoy exceptional amenities including a dog park, community garden, boat storage, access to the bike trail and a private boat ramp. Panoramic, 360 degree views from the expansive rooftop deck, perfect for entertaining or unwinding. The home features a stylish modern

  

  Jeff Rosa

  eXp Realty

  (513) 586-2637

  

  5744 Sanctuary Place, Cincinnati, OH 45230
• 

  

  /45

  $449,900

  • 3 Beds
  • 1 Bath
  • 1,824 Sq Ft

  406 W 10th St, Newport, KY 41071

  Investor Opportunity - Mixed-Use + Residential Package in Newport! Rare chance to acquire two adjacent properties being sold together in a prime Newport location. 402 W 10th Street is a substantial mixed-use building offering over 5,000 sq ft on a highly visible corner lot. The first floor features a former bar space, currently vacant and ready for your vision, whether that's a new business,

  

  Clayton Horan

  Horan Rosenhagen Real Estate

  (859) 696-6312

  406 W 10th St, Newport, KY 41071
• 

  

  /3

  $75,000

  • Land
  • 10,628 Sq Ft
  • $307,377 per Acre

  214 Grant St, Fort Thomas, KY 41075

  Beautiful Lot in Fort Thomas! Just a few steps from Woodfill Elementary School. The city has already approved exemptions to the standard set back requirements.

  

  Cindy Shetterly

  Keller Williams Realty Service

  (859) 484-8967

  214 Grant St, Fort Thomas, KY 41075
• 

  

  /32

  $289,900

  • 3 Beds
  • 2 Baths
  • 1,636 Sq Ft

  911 Park Ave, Newport, KY 41071

  Get into Newport's East End via this lovely tree-lined street * 3 beds, 2 baths with refinished hardwood floors and new paint throughout. Living room has a nice picture window and ornate fireplace. Between living and dining rooms are operating pocket doors. The kitchen has wood cabinets, LVP flooring and equipped with a gas stove and new refrigerator. Kitchen walks out to a fenced yard with the

  

  Richard Hubbard

  RE/MAX Victory + Affiliates

  (859) 251-2756

  911 Park Ave, Newport, KY 41071
• 

  

  /7

  $90,000

  • Land
  • 30,753 Sq Ft
  • $127,479 per Acre

  2220 New Linden Rd, Newport, KY 41071

  Great opportunity to build home on extra large lot in established neighborhood in Newport Kentucky. Mostly cleared .70 Acre of land on New Linden Road in Newport. Old house has been cleared away and now ready for you to build on (buyer to verify requirements with Planning and Zoning). All utilities available at road. Lot currently has a concrete driveway leading to back of the property. Lot could

  

  Kathy Wolfe

  Keller Williams Realty Service

  (859) 374-7603

  2220 New Linden Rd, Newport, KY 41071
• 

  /2

  $12,500

  • Land
  • 5,227 Sq Ft
  • $104,167 per Acre

  388 Altamont Rd, Covington, KY 41016

  Desirable corner lot ready for your dream home to be built. Utilities at the street include water, city sewer, electric, gas and cable.

  

  Shane Reno

  Huff Realty - Florence

  (859) 605-1565

  388 Altamont Rd, Covington, KY 41016
• 

  

  /32

  $449,900

  • 3 Beds
  • 1.5 Baths
  • 1,814 Sq Ft

  101 Tremont Ave, Fort Thomas, KY 41075

  Welcome to ''The Mageer House,'' a designated Kentucky Landmark recognized by the Kentucky Heritage Council for its architectural significance. This charming 3-bedroom, 1.5-bath home blends historic character with thoughtful updates, featuring hardwood floors, abundant natural light, and stunning original woodwork throughout. Recent improvements include a renovated bathroom, new windows, a new

  

  Clayton Horan

  Horan Rosenhagen Real Estate

  (859) 249-8614

  101 Tremont Ave, Fort Thomas, KY 41075
• 

  

  /17

  $184,900

  • 2 Beds
  • 1 Bath
  • 779 Sq Ft

  2444 Warren St, Covington, KY 41014

  Charming and move-in ready 2-bedroom, 1 full bath home in the heart of Covington! Relax on the inviting covered front porch and enjoy the low-maintenance LVP flooring throughout much of the home. The fenced backyard offers great space for pets, play, or entertaining, and the walk-out unfinished basement provides ample storage or future potential. Recent updates include a newer furnace and water

  

  Cindy Shetterly

  Keller Williams Realty Service

  (859) 350-6649

  2444 Warren St, Covington, KY 41014
• 

  /2

  $75,000

  • Land
  • 7,840 Sq Ft
  • $416,667 per Acre

  705 W Grand Ave, Taylor Mill, KY 41015

  Prime location for high visibility and exposure! *Currently zoned residential, but a great candidate for zone change to commercial use if purchased with adjacent property at 4801 Pride Parkway. Buyer to verify all information.

  

  John Lewin

  Huff Realty - Florence

  (859) 695-3394

  705 W Grand Ave, Taylor Mill, KY 41015
• 

  /2

  $19,000

  • Land
  • 7,405 Sq Ft
  • $111,765 per Acre

  1510 Wheeler St, Covington, KY 41011

  Vacant residential lot in Covington's eastside. The lot is mostly level. Only minutes to downtown Cincinnati. Close to the Licking River Greenway trail. Buyer to verify all information.

  

  John Lewin

  Huff Realty - Florence

  (859) 535-9938

  1510 Wheeler St, Covington, KY 41011
• 

  

  /6

  $275,000

  • Land
  • 15,263 Sq Ft
  • $784,817 per Acre

  19 Sanctuary Place, Cincinnati, OH 45230

  Fabulous Riverview Lot in Greater Cincinnati's Most Spectacular River Front Community! This is an Exceptional opportunity, as this lot is positioned in a tranquil spot at the very end of the community, offering Water & Greenspace Views from all levels! This Community offers a Platinum Leed 10 Year Tax Abatement which saves tens of thousands on taxes! Easy proven designs for review, making it

  

  Jeff Rosa

  eXp Realty

  (513) 951-1760

  

  19 Sanctuary Place, Cincinnati, OH 45230
• 

  

  /25

  $499,800

  • 4 Beds
  • 2 Baths
  • 1,758 Sq Ft

  525 Overton St, Newport, KY 41071

  Historic two-family gem with proven rental income--because your money should be working harder than you do. Spanning three full floors, this property offers a 1-bedroom unit and a 3-bedroom unit, both filled with natural light and timeless character. Separate utilities and shared laundry keep ownership simple and expenses predictable--music to any investor's ears. Set on one of Newport's most

  

  Cindy Shetterly

  Keller Williams Realty Service

  (859) 651-8559

  525 Overton St, Newport, KY 41071
• 

  

  /27

  $174,900

  • 1 Bed
  • 1 Bath
  • 836 Sq Ft

  2200 Victory Pkwy, Cincinnati, OH 45206

  High-rise condo in Walnut Hills with gorgeous city views and amenities galore! This beautifully maintained unit features LVP flooring throughout, a spacious living area, and a well-appointed kitchen with granite countertops, stainless steel appliances, and tons of cabinet space. Enjoy plenty of in-unit storage, in-unit laundry, plus your own separate storage space. Relax on the balcony and take

  

  Meghan Dwyer

  Irongate Inc.

  (513) 998-6356

  

  2200 Victory Pkwy, Cincinnati, OH 45206
• 

  

  /30

  $995,000 New Construction

  • 2 Beds
  • 2 Baths
  • 2,071 Sq Ft

  1 Highland Ave Unit 307, Fort Thomas, KY 41075

  2BR/2BA/Study. Gorgeous luxury condo - in the heart of Ft Thomas Towne Center. One-levelliving. Elevator to private garage. 16x11 covered balcony offers views to street life along Ft.Thomas Ave & eastern exposure to watch sunrises. Gathering room: 13ft floor-to-ceiling bay window & fireplace. 10ft. ceilings throughout unit. Large study. Beautiful kitchen: SubZero/Wolf

  

  Aimee Pelletier

  Sibcy Cline, REALTORS-Florence

  (859) 712-7894

  1 Highland Ave Unit 307, Fort Thomas, KY 41075
• 

  

  /50

  $430,000 New Construction

  • 3 Beds
  • 2.5 Baths

  1333 Russell St, Covington, KY 41011

  Experience luxury living in the heart of Covington. This is a brand new home 3-bed, 2.5-bath home blends high-end finishes with an unbeatable location—minutes to the city, hospitals, shops, restaurants, and parks, plus quick access to I-71/75 and Downtown Cincinnati. Chef's kitchen showcases granite countertops, crown molding, soft-close cabinetry, a large island, and stainless steel appliances.

  

  Alejandro Navarrete

  Huff Realty - Florence

  (859) 295-3562

  1333 Russell St, Covington, KY 41011
• 

  

  /23

  $1,425,000 New Construction

  • 2 Beds
  • 2.5 Baths
  • 3,086 Sq Ft

  1 Highland Ave Unit 203, Fort Thomas, KY 41075

  2 BR/2.5BA/Study. Gorgeous luxe condo- heart of Ft Thomas. One-level living. Elevator toprivate garage. One-of-a-kind corner ''stone tower'' feature in gather room; windows on 3 sides;dramatic fireplace wall; access to 25x11 covered balcony facing S. to Highland Ave. Grand Kitchen with Sub-Zero/Wolf appliances/furniture-grade cabinetry/adjacent bar. Large study.Deluxe primary BR suite

  

  Aimee Pelletier

  Sibcy Cline, REALTORS-Florence

  (859) 374-3445

  1 Highland Ave Unit 203, Fort Thomas, KY 41075
• 

  

  /39

  $655,000 Open Sat 12PM - 4PM

  • 2 Beds
  • 3.5 Baths
  • 2,384 Sq Ft

  95 W 13th St Unit 11, Newport, KY 41071

  Move in ready! The Breckenridge by Ashford Homes. Just completed in an exclusive new community - Martin's Gate - the site of Homerama 2023. Featuring open concept living and unprecedented views of Downtown. An expansive deck & large windows to enjoy the views. Easily accessible and in close proximity to retail, shopping, and the downtown areas.

  

  Patrick Gunning

  Coldwell Banker Realty

  (859) 374-3791

  95 W 13th St Unit 11, Newport, KY 41071
• 

  

  /19

  $1,156,480 New Construction

  • 3 Beds
  • 2.5 Baths
  • 12,414 Sq Ft

  41 Floral Ave, Fort Mitchell, KY 41017

  Custom build your dream ranch home in Fort Mitchell with award-winning Ashley Builders! This thoughtfully designed 1-story home features 3 bedrooms, a first-floor primary suite with a spacious walk-in closet, and convenient first-floor living. The finished lower level offers a large recreation room with walkout access to a patio -- perfect for entertaining. Enjoy outdoor living on the covered

  

  Kimberly Nachazel

  eXp Realty, LLC

  (844) 752-1693

  41 Floral Ave, Fort Mitchell, KY 41017
• 

  

  /9

  $1,850,000 New Construction

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

  5773 Sanctuary Place, Cincinnati, OH 45230

  Step into a whole new lifestyle! This amazing River Community is one of a kind featuring spectacular homes and many additional community amenities including a dog park, boat ramp, fire pit, garden area, walking trail and river access with a small beach. Design the home of your dreams and take advantage of the Platinum Tax Abatement saving you 100's of thousands of dollars. Come and visit today!

  

  Jeff Rosa

  eXp Realty

  (513) 951-5550

  

  5773 Sanctuary Place, Cincinnati, OH 45230
• 

  

  /44

  $645,000 Open Sat 12PM - 4PM

  • 3 Beds
  • 3.5 Baths
  • 2,384 Sq Ft

  105 W 13th St Unit 10, Newport, KY 41071

  Move in Ready! The Breckenridge by Ashford Homes. Now under construction in an exclusive new community - Martin's Gate - the site of Homerama 2023. Featuring high end finishes, open concept living, and unprecedented views of Downtown. An expansive deck & large windows to enjoy the views. Easily accessible and in close proximity to retail, shopping, and the downtown areas.

  

  Patrick Gunning

  Coldwell Banker Realty

  (859) 374-3294

  105 W 13th St Unit 10, Newport, KY 41071
• 

  

  /69

  $1,990,000 Open Sun 1PM - 2:30PM

  • 4 Beds
  • 3.5 Baths

  5751 Sanctuary Place, Cincinnati, OH 45230

  REMARKABLE 5000+ sq' RIVER FRONT HOME! 2 Stunning Primary Suites w/Beautifully Customized Porcelain walk in showers! 3 secondary bedrooms,comfortable study/lounging rm walk out to a covered deck with a fabulous Water View! Joe Zang's infamous attention to detail brings this finish level to unmatched heights! Selections made are Rich and Tasteful offering a clean yet warm elegance to this home.

  

  Jeff Rosa

  eXp Realty

  (513) 935-2534

  

  5751 Sanctuary Place, Cincinnati, OH 45230

Showing Results 81 - 120, Page 3 of 18