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El Dorado County CA Homes for Sale with Acreage

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  • /92

    $575,500

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

    5021 Banbury Cross Rd, Shingle Springs, CA 95682

    Talk about a view. If a country view & privacy is what you're into this 2 story, 3bdrm 2ba 5+ acre ready to move in home is for you. This country home greets you with a well maintained exterior a good roof and a 3 sided porch with charming country touches. The front door opens to an entry way into a tastefully decorated interior throughout. To the left a hall with a double door closet then a huge

    Mike Mendez eXp Realty of California Inc

    5021 Banbury Cross Rd, Shingle Springs, CA 95682
  • /99

    $2,875,000

    • 5 Beds
    • 7 Baths
    • 6,000 Sq Ft

    1106 Clearview Dr, El Dorado Hills, CA 95762

    This CAPTIVATING approx. 6000SF custom home with 5 Bedrooms, 5 full baths, and 2 half baths captures some of the most coveted, close-in panoramic views of Folsom Lake stretching across the main body and South Fork of the lake with extended views to downtown Sacramento. The grand Great Room with soaring ceilings and floor to ceiling fireplace has a retractable glass door that opens to a covered

    Debi Ambroff Coldwell Banker Realty

    1106 Clearview Dr, El Dorado Hills, CA 95762
  • /29

    $299,000

    • Land
    • 21.25 Acres
    • $14,071 per Acre

    3501 Elysian Way, Placerville, CA 95667

    21 private acres just minutes from town. This is a property you need to walk through to fully appreciate. The property features a network of cut-in roads, providing easy access throughout. There are multiple established building sites spread across the property, each positioned for privacy among the trees. Suitable for a primary residence, additional structures, or a multi-use setup. The land is

    Ava Hartwick RE/MAX Gold

    3501 Elysian Way, Placerville, CA 95667
  • /22

    $140,000

    $30K PRICE INCREASE
    • Land
    • 10.01 Acres
    • $13,986 per Acre

    6880 Wentworth Springs Rd, Georgetown, CA 95634

    Discover the perfect blend of privacy, space, and convenience with this 10-acre parcel just minutes from Georgetown proper. Nestled in the peaceful Sierra foothills, this beautiful property offers endless possibilities for your dream custom home, horse property, or private country retreat. With gently rolling terrain, open usable areas, and scenic natural surroundings, the land is ideally suited

    Beverley Ramm RE/MAX GOLD

    6880 Wentworth Springs Rd, Georgetown, CA 95634
  • /65

    $899,000

    • 4 Beds
    • 4 Baths
    • 3,327 Sq Ft

    3371 Lake Tahoe Blvd Unit 6, South Lake Tahoe, CA 96150

    Sierra Shores Lakefront!This 1/4-share luxury townhome offers a rare opportunity for truly carefree lakefront ownership. Exempt from South Tahoe's short-term rental restrictions, this property provides valuable potential for vacation rental income. Over $120,000 in recent updates include designer furnishings, new appliances, window coverings, and more. The unique features and idyllic setting will

    Michael Keller Keller Properties

    3371 Lake Tahoe Blvd Unit 6, South Lake Tahoe, CA 96150
  • /32

    $499,000

    • 3 Beds
    • 2 Baths
    • 2,442 Sq Ft

    3680 Greenwood Rd, Greenwood, CA 95635

    Peaceful foothill retreat on over eleven acres. This single-story home offers 2442 square feet with three bedrooms and two baths. It features a large greenhouse, a brand new roof, and fresh interior paint throughout. Inside, you'll find an open floor plan, a gourmet kitchen with island, a cozy family room with fireplace, central air, and decks that take in the surrounding views. The property has

    Barbara Tomkinson Patti Smith Real Estate

    3680 Greenwood Rd, Greenwood, CA 95635
  • /45

    $1,750,000

    • 4 Beds
    • 3 Baths
    • 2,389 Sq Ft

    784 Salmon Falls Rd, El Dorado Hills, CA 95762

    Welcome to a rare lakeview retreat completely surrounded by protected BLM land, offering unmatched privacy, breathtaking views, and a true escape just minutes from town. Perched above the South Fork of Folsom Lake, this fully remodeled home captures sweeping water and rolling hill views from nearly every angle, with no immediate neighbors and a setting that simply cannot be replicated. Inside,

    Matthew Marmorstein Realty ONE Group Complete

    784 Salmon Falls Rd, El Dorado Hills, CA 95762
  • /87

    $1,200,000

    • 5 Beds
    • 5 Baths
    • 3,700 Sq Ft

    1200 W El Largo Dr, Placerville, CA 95667

    Welcome to this charming home in Placerville, where sweeping Sierra Mountain and sunset views create a truly special setting. Step inside to a bright, open floor plan enhanced by fresh interior paint and abundant natural light. The inviting family room features soaring vaulted ceilings with skylights and a cozy fireplace, while a glass door seamlessly connects indoor and outdoor living. The

    Kelli Griggs Navigate Realty

    1200 W El Largo Dr, Placerville, CA 95667
  • /37

    $4,200,000

    • 4 Beds
    • 5 Baths
    • 2,858 Sq Ft

    710 Fallen Leaf Rd, South Lake Tahoe, CA 96150

    Discover your own slice of alpine paradise on the pristine shores of Fallen Leaf Lake. This remarkable compound offers a unique opportunity to own a piece of nature's beauty, boasting breathtaking views of Fallen Leaf Lake and the majestic Mt. Tallac. Encompassing almost 13 acres of land, main home and two summer cabins with 65 feet of prime water frontage, this property is truly a mountain

    Jackie Arthur Compass

    710 Fallen Leaf Rd, South Lake Tahoe, CA 96150
  • /82

    $1,690,000

    • 4 Beds
    • 3.5 Baths
    • 5,538 Sq Ft

    4941 D Agostini Dr, Somerset, CA 95684

    Tucked away on 47 private acres, this executive estate offers soaring views, elegance & seclusion. This refined custom home with arched windows & doorways, sits in harmony with Sierra Foothills surroundings & beautiful nature, flanked by award-winning vineyards. Gaze across the panoramic view, stretching north to Tahoe, from refreshing infinity pool/spa & expansive deck. Compliant with defensible

    Terri Chapman Chapman Real Estate Group

    4941 D Agostini Dr, Somerset, CA 95684
  • /17

    $250,000

    • Land
    • 1.48 Acres
    • $168,919 per Acre

    3335 Morel Way, Diamond Springs, CA 95667

    Welcome to arguably the most coveted lot (#32) in all of Long View Estates. Perched at the very top of the neighborhood, this nearly 1.5-acre parcel offers truly unparalleled views and the perfect canvas to build your dream estate. A road runs along the right side of the property, providing added accessibility and convenience. Surrounded by established luxury custom homes and elegant newer

    Joseph Gonzales Vista Sotheby's International Realty

    3335 Morel Way, Diamond Springs, CA 95667
  • /53

    $585,000

    • Land
    • 1.18 Acres
    • $495,763 per Acre

    4111-Lot#114 Laterite Dr, El Dorado Hills, CA 95762

    Explore the incredible opportunity to acquire a prime lot at Le Capitan at The Promontory. This rare offering boasts breathtaking panoramic views, showcasing the stunning beauty of Folsom Lake. Visualize building your dream home in this exclusive location, with every corner of your custom-designed residence tailored to your lifestyle. The expansive lot provides the perfect canvas to create a

    Nick Sadek Nick Sadek Sotheby's International Realty

    4111-Lot#114 Laterite Dr, El Dorado Hills, CA 95762
  • /41

    $850,000

    • Land
    • 48.26 Acres
    • $17,613 per Acre

    0 Placerville Dr Unit 225115338, Placerville, CA 95667

    Iconic 48 acres in PRIME location in city limits perfect for development! Zoned Commercial, Business professional & Residential. 1000' commercially zoned frontage along highly trafficked Placerville Dr, offers unbeatable exposure. Property neighbors HWY 50, Gov/county offices, Library, Large apartment complex, Movie Theater, Shopping, Home Depot, Raley's Supermarket & Fairgrounds. Property has

    Joseph Gonzales Vista Sotheby's International Realty

    0 Placerville Dr Unit 225115338, Placerville, CA 95667
  • /99

    $1,780,000

    • 2 Beds
    • 3.5 Baths
    • 4,621 Sq Ft

    4800 Abbey Rd, Placerville, CA 95667

    Luxury Resort-Like Estate! Two homes, two pools, three garages, pickleball court, and long-range VIEWS!!! Perched atop 11 private acres, this is the kind of property that reveals itself slowly...and leaves a lasting impression. Beyond the private gated approach, you're greeted by Koi ponds with a bridge and waterfalls set before the over 4,600 square foot main home. This custom-built,

    Sarah Stone-Francisco Century 21 Cornerstone Realty

    4800 Abbey Rd, Placerville, CA 95667
  • /8

    $219,950

    $40K PRICE DROP
    • Land
    • 1 Acre
    • $219,950 per Acre

    859 Villa Del Sol, El Dorado Hills, CA 95762

    This empty residential lot is in the well established custom home community of SouthPointe In El Dorado Hills. It has many trees & a nice view of Folsom Lake. During construction, removing some trees will improve the view.

    Jim Greer Elliott Homes

    859 Villa Del Sol, El Dorado Hills, CA 95762
  • /29

    $324,900

    • Land
    • 2.82 Acres
    • $115,213 per Acre

    2660 Sleepy Hollow Dr, Shingle Springs, CA 95682

    Picture this: 3 private acres with direct lake frontage on Quail Lake in exclusive Sleepy Hollow. This secluded cul-de-sac lot offers everything equestrian enthusiasts and lake lovers dream of - miles of riding trails at your doorstep and stunning water views from your future home. The mostly level terrain is perfect for building your dream estate while maintaining those gorgeous lake vistas.

    Joanna Zakharchenko Realty ONE Group Complete

    2660 Sleepy Hollow Dr, Shingle Springs, CA 95682
  • /47

    $469,000

    Open Sun 2PM - 5PM
    • 3 Beds
    • 2 Baths
    • 2,400 Sq Ft

    9427 Grizzly Flat Rd, Grizzly Flats, CA 95636

    Nestled in the Forest in Grizzly Flats, this attractive property invites you to discover a residence where comfort meets the tranquility of nature. Bright and Beautiful Contemporary Silvercrest Grand Manor Manufactured home with 3 bedrooms and two baths is situated on 4.30 Acres with a year round creek running through the downslope of the acres. All rooms are oversized with lots of windows

    April Stewart LPT Realty, Inc

    9427 Grizzly Flat Rd, Grizzly Flats, CA 95636
  • /40

    $825,000

    $24K PRICE DROP
    • 4 Beds
    • 4 Baths
    • 2,452 Sq Ft

    1259 Bonanza Ave, South Lake Tahoe, CA 96150

    Flexible Dual-Living Tahoe Retreat on a Rare One-Acre Lot!Tucked among the pines in South Lake Tahoe, this unique duplex-style property sits on a rare and level one-acre parcel, offering exceptional flexibility for full-time living, multi-generational use, or long-term rental income.Each unit features 2 bedrooms, 2 bathrooms, and a spacious loft area, providing versatile space that can be used as

    Brent Johnson Chase International - South La

    1259 Bonanza Ave, South Lake Tahoe, CA 96150
  • /53

    $610,000

    • Land
    • 1.28 Acres
    • $476,562 per Acre

    4103-Lot#115 Laterite Dr, El Dorado Hills, CA 95762

    Explore the incredible opportunity to acquire a prime lot at Le Capitan at The Promontory. This rare offering boasts breathtaking panoramic views, showcasing the stunning beauty of Folsom Lake. Visualize building your dream home in this exclusive location, with every corner of your custom-designed residence tailored to your lifestyle. The expansive lot provides the perfect canvas to create a

    Nick Sadek Nick Sadek Sotheby's International Realty

    4103-Lot#115 Laterite Dr, El Dorado Hills, CA 95762
  • /10

    $220,000

    • Land
    • 2.39 Acres
    • $92,050 per Acre

    0 Product Dr Unit 225043752, Cameron Park, CA 95682

    **Prime Commercial Lot in Barnett Business Park** Discover this versatile 2.39-acre parcel zoned for Commercial/Professional Office use, located in the highly sought-after Barnett Business Park. This thriving commercial and industrial hub is strategically positioned between Shingle Springs and Cameron Park, offering excellent connectivity and business potential. The lot is ready for development

    Walter Mathews Coldwell Banker Realty

    0 Product Dr Unit 225043752, Cameron Park, CA 95682
  • /17

    $199,000

    • Land
    • 1.08 Acres
    • $184,259 per Acre

    2060 Huckleberry Rd, Twin Bridges, CA 95721

    Build your legacy in the heart of the Sierra Nevada, just minutes from Sierra-at-Tahoe Resort, on this exceptional 1.08-acre homesite tucked within the gated community of Huckleberry Ridge. Set against the dramatic backdrop of Mount Ralston, the property offers beautiful mountain views, a peaceful setting, and the kind of privacy that makes every season feel like a retreat. With existing

    Ken & Jana Bednar Chase International - South La

    2060 Huckleberry Rd, Twin Bridges, CA 95721
  • /25

    $290,000

    • Land
    • 40 Acres
    • $7,250 per Acre

    0 40ac Sweeney Rd Unit 226059299, Somerset, CA 95684

    Escape the Fast Pace - Peaceful 40 Acres in Somerset. Looking for a private retreat away from the hustle and bustle of everyday life? Discover this serene 40-acre property nestled in the natural beauty of Somerset, surrounded by majestic Oak, Pine, and Cedar trees. This peaceful land features a gently flowing creek, as well as its own well and septic system, offering both beauty and utility. With

    Aaron Work RE/MAX Gold

    0 40ac Sweeney Rd Unit 226059299, Somerset, CA 95684
  • /35

    $99,000

    • Land
    • 5.76 Acres
    • $17,188 per Acre

    3280 Chipmunk Trail, Georgetown, CA 95634

    Breathtaking 5.76-acre parcel in the heart of Georgetown! This property offers sweeping views of the surrounding hills, valley and Sacramento city lights and endless potential for your dream home or retreat. Public water fees have been paid. Water is available and ready to install. This parcel combines convenience with country living. Enjoy the tranquility of nature while being just minutes from

    Beverley Ramm RE/MAX GOLD

    3280 Chipmunk Trail, Georgetown, CA 95634
  • /11

    $795,000

    • Land
    • 1.4 Acres
    • $567,857 per Acre

    0 Sandstone Dr, El Dorado Hills, CA 95762

    Prime 1.4-Acre Lot in El Dorado Hills Business Park Exceptional opportunity to own a 1.4-acre level lot in the highly sought-after El Dorado Hills Business Park. Zoned for both commercial and industrial use, this property is ideal for an owner-user looking to build and operate their business among a well-established network of successful enterprises. With flexible development potential and

    Bill Sadek Engel & Volkers Roseville

    0 Sandstone Dr, El Dorado Hills, CA 95762
  • /58

    $3,400,000

    • 3 Beds
    • 3 Baths
    • 3,106 Sq Ft

    6700 Horizon Dr, Placerville, CA 95667

    Set between Sacramento and Lake Tahoe, Horizon Canyon is a secluded riverfront estate where luxury, recreation, and natural beauty converge across 41 private acres along the North Fork of the Cosumnes River. Designed as a destination for gathering, entertaining, and renewal, the property features two beautifully crafted villas with six bedrooms and nearly 6,000 square feet of refined living space

    Kristina Agustin Vista Sotheby's International Realty

    6700 Horizon Dr, Placerville, CA 95667
  • /80

    $1,699,000

    • 4 Beds
    • 4.5 Baths
    • 4,304 Sq Ft

    5670 China Hill Rd, El Dorado, CA 95623

    Introducing one of the area's most compelling family estates. An extraordinary 10-acre gated retreat designed for those who value land, legacy, and the experience of bringing people together. Crafted for a life deeply rooted in tradition, this remarkable 4,300+ sqft residence embodies the spirit of true generational living, where sweeping views, gorgeous Tahoe-inspired grounds with a flowing

    Joseph Gonzales Vista Sotheby's International Realty

    5670 China Hill Rd, El Dorado, CA 95623
  • /18

    $220,000

    • Land
    • 1.14 Acres
    • $192,984 per Acre

    3098 Oakwood Rd, Cameron Park, CA 95682

    RARE 1-ACRE HILLTOP WITH STUNNING VIEWS! Opportunities like this don’t come often! This prime Cameron Park lot offers breathtaking panoramic views and is ready to build with water, sewer, power, and utilities already in place—saving you tens of thousands in setup costs. An engineered retaining wall adds even more value, making it the perfect foundation for your dream home. Imagine expansive

    Michael Trueba Bhhs Drysdale Properties

    3098 Oakwood Rd, Cameron Park, CA 95682
  • /17

    $165,000

    • Land
    • 8.16 Acres
    • $20,221 per Acre

    3460 Almosta Rd, Placerville, CA 95667

    Private end of the road Oak studded parcel with Beautiful Canyon views, seasonal creek and shared pond, moss rock outcroppings Nature at it's best. Multiple building sites. Close to local conveniences, wineries and 25 min. to Historic Placerville. This parcel has Deeded River Access to the private community swimming hole. 2 ADJOINING PARCELS ALSO FOR SALE: MLS# 226027548 Home on 7.24 acres MLS#

    Janice Davies Century 21 Select Real Estate

    3460 Almosta Rd, Placerville, CA 95667
  • /25

    $65,000

    • Land
    • 4.33 Acres
    • $15,012 per Acre

    6583 Casa Contenta Dr, Somerset, CA 95684

    Ready for your dream home..4.33 Acres of Usable land with a Driveway cut-in, pad, Water tank & Electricty at the street. This parcel offers the ideal blend of space, privacy & opportunity to build a custom estate, country home, weekend retreat, as well as, adding an ADU. Peaceful rural setting, yet minutes from beautiful wineries & shopping. Come create the lifestyle you've always imagined!

    Cindi LeMaster Real Broker

    6583 Casa Contenta Dr, Somerset, CA 95684
  • /27

    $237,999

    $51K PRICE DROP
    • Land
    • 20.27 Acres
    • $11,741 per Acre

    3000 Gravel Ct, Placerville, CA 95667

    Come stake your claim in historic Placerville! This golden opportunity to own 20+ lush acres in the beautiful hills is calling. Still closeby to grocery shopping and fun downtown Placerville events, you will love the location! Your enchanting property yearns to have you build your dream home, family compound, or horse sanctuary, with a plethora of different possible build sites mostly cleared,

    Mickie Giacomini, Realtor® TSG Premier Realty

    3000 Gravel Ct, Placerville, CA 95667
  • /78

    $1,150,000

    • 4 Beds
    • 2.5 Baths
    • 3,398 Sq Ft

    1991 Quartz Creek Ln, Placerville, CA 95667

    Tucked among the rolling hills of the Sierra foothills, this inviting home offers the perfect blend of comfort, privacy, and natural beauty. Set on a peaceful, tree-studded 5 acre parcel surrounded by mature oaks and scenic views, it provides a tranquil retreat just minutes from town. Inside, the home is bright and welcoming, with wooden vaulted ceilings that add warmth, character, and a sense of

    Karen Duffy RE/MAX GOLD

    1991 Quartz Creek Ln, Placerville, CA 95667
  • /4

    $47,500

    $12K PRICE DROP
    • Land
    • 10 Acres
    • $4,750 per Acre

    0 Tin Ranch Rd Unit 223106359, Georgetown, CA 95634

    Secluded 10 acres in the Sierra Foothills. The approximate elevation is around 3000 feet. The views off the property are of the surrounding forest. Abundant wildlife, borders miles of USFS land, lots of OHV trails, equestrian trails and staging areas. Sunny clearings are also present. The property was NOT scared by recent wildfire burns.

    James Kasper Windermere Signature Properties El Dorado Hills/Folsom

    0 Tin Ranch Rd Unit 223106359, Georgetown, CA 95634
  • /90

    $777,000

    • 4 Beds
    • 3.5 Baths
    • 2,972 Sq Ft

    2065 Hotchkiss Ct, Cool, CA 95614

    Magnificent Views!!! As you walk through the entry way, You GASP at the enormity of the Sierra Mountain VIEWS! This Custom upgraded family home features 2 acres of pristinely cared for property, 4bd/4ba, 2972 SqFt gives you room for Multi generational living! Or rental income! The cozy fireplace sets the tone for your Sierra Foothills lifestyle. From your custom upgraded kitchen you can take your

    Annette Gregg Cool Land and Homes by Keller Williams

    2065 Hotchkiss Ct, Cool, CA 95614
  • /38

    $725,000

    • Land
    • 1.05 Acres
    • $689,819 per Acre

    6684 Western Sierra (Lot 140) Way, El Dorado Hills, CA 95762

    Located behind the guarded gates of the Serrano Country Club Golf Course Community in El Dorado Hills amongst multi-million dollar homes, this large private parcel is over an acre (1.06 acres) and backs to a greenbelt. There are no time restrictions on when you would have to start construction of your dream home. With its gated villages and quiet streets, Serrano offers serenity and security - a

    Angela Dameri BERKSHIRE HATHAWAY Home Services NorCal Real Estate

    6684 Western Sierra (Lot 140) Way, El Dorado Hills, CA 95762
  • /39

    $650,000

    • Land
    • 165.29 Acres
    • $3,932 per Acre

    165 Freshwater Ln, El Dorado, CA 95623

    Beautiful Rural & Private acreage with gentle, rolling topography (see maps), and very good agricultural opportunities. A 100 GPM well has been drilled, PLUS the sellers also had a Graphical Soil Analysis performed. Good roads provide easy, gentle access to and through key areas of this picturesque terrain where there are many beautiful choices for construction of homes, shops, barns, arenas,

    Gary Peters Gary Peters, R. E. Broker

    165 Freshwater Ln, El Dorado, CA 95623
  • /14

    $425,000

    • Land
    • 8.96 Acres
    • $47,433 per Acre

    6721 Eaton Rd, Georgetown, CA 95634

    Highly visible 9‑acre commercial/industrial parcel on the edge of Georgetown with 300ft of Wentworth Springs street frontage and steady recreation traffic exposure. Seller financing is available. The land is 100% usable with gentle terrain, mature sugar pines, and established internal access roads and trails. Comes with water rights. Power at multiple spots. Access from 3 different sides.

    Shirlee George American Heritage Land & Home

    6721 Eaton Rd, Georgetown, CA 95634
  • /17

    $100,000

    • Land
    • 10 Acres
    • $10,000 per Acre

    4720 Blaze Trail, Somerset, CA 95684

    Discover the perfect canvas for your dream home on this stunning 10-acre parcel nestled in the mountains of historic El Dorado County. This exceptional property offers a rare blend of privacy, natural beauty, and usable space, ideal for creating your own peaceful retreat. Surrounded by serene landscapes, the land features a picturesque year-round creekperfect for relaxing afternoons, picnicking,

    Patricia Babish RE/MAX Gold

    4720 Blaze Trail, Somerset, CA 95684
  • /37

    $399,000

    • Land
    • 1.14 Acres
    • $350,000 per Acre

    1166 Clearview Dr, El Dorado Hills, CA 95762

    Dream house lake view lot available in the exclusive Southpointe gated community of El Dorado Hills. Over one acre of land with spectacular views of Folsom Lake. Build your dream home and join this community of beautiful and exclusive homes! The lot features sculptural rock outcroppings. Enjoy the lakeside trail from inside or outside of the community. Be sure to check out the video or drone

    Ali Hashemi Legacy Real Estate

    1166 Clearview Dr, El Dorado Hills, CA 95762
  • /73

    $599,900

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

    2100 Stardome Ln, Cool, CA 95614

    Well-maintained, top quality, custom, frame home built around an efficient dome design offering 3 bedrooms, 2.5 bathrooms and approximately 2,900 square feet of unique living space. The home is designed for entertaining, with pre-wiring for a home theater, an included large screen TV, outdoor kitchen, expansive patios and decks, above-ground pool, and personal hot tub. The recently remodeled

    David White Windermere Signature Properties Auburn

    2100 Stardome Ln, Cool, CA 95614
  • /14

    $169,000

    • Land
    • 10.02 Acres
    • $16,866 per Acre

    0 Cosumnes View Trail Unit 226046796, Placerville, CA 95667

    Rare Riverfront Property: Build Your Dream Homestead. Discover the perfect canvas for your dream home on this exquisite 10-acre parcel of lush, private land near Somerset. Enjoy approximately 200 feet of direct access to the Middle Fork of Cosumnes River right at the base of the property, offering stunning views of the neighboring foothills. Situated just minutes away from the renowned Fairplay

    Erin Kennedy Nick Sadek Sotheby's International Realty

    0 Cosumnes View Trail Unit 226046796, Placerville, CA 95667

Showing Results 521 - 560, Page 14 of 16

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