Homes for Sale in 30540

• 

  

  

  /25

  $5,500

  • Land
  • 0.7 Acre
  • $7,857 per Acre

  0 Pamela Ct Unit 7655875, Ellijay, GA 30540

  Build your dream home or cabin in the desirable Coosawattee River Resort! This 0.70-acre lot offers county water, electric, and internet available at the street. Gently laying with ample building space, it’s the perfect setting for your private mountain retreat or vacation rental. Coosawattee River Resort is a gated community with outstanding amenities: river access, 5 river parks, indoor and

  Vince Breitenstein EXP Realty, LLC.

  

  0 Pamela Ct Unit 7655875, Ellijay, GA 30540
• 

  

  

  /10

  $635,000 New Construction

  • 3 Beds
  • 2.5 Baths
  • 2,135 Sq Ft

  953 Round Top Rd, Ellijay, GA 30540

  Barnes Estates by Mardon Construction - Discover five new semi-custom homes to be built in beautiful Ellijay, each on a 1-acre lot with private wooded views. This gorgeous farmhouse-style ranch home features three bedrooms and two & half baths on the main level. Stay connected while escaping it all, with semi-custom craftsmanship inside and out.Welcome friends and family into open, inviting

  Linda Mortensen Atlanta Communities

  

  953 Round Top Rd, Ellijay, GA 30540
• 

  

  

  /9

  $637,500 New Construction

  • 4 Beds
  • 3 Baths
  • 2,455 Sq Ft

  1 Round Top Rd, Ellijay, GA 30540

  Barnes Estates by Mardon Construction - Discover five new semi-custom homes to be built in beautiful Ellijay, each on a 1-acre lot with private wooded views. This gorgeous farmhouse-style ranch home features three bedrooms and two baths on the main level, plus an additional bedroom and bath on the second level-for a total of four bedrooms and three baths. Stay connected while escaping it all,

  Linda Mortensen Atlanta Communities

  

  1 Round Top Rd, Ellijay, GA 30540
• 

  

  

  /9

  $667,999 New Construction

  • 4 Beds
  • 3 Baths
  • 2,455 Sq Ft

  957 Round Top Rd, Ellijay, GA 30540

  Barnes Estates by Mardon Construction - Discover five new semi-custom homes to be built in beautiful Ellijay, each on a 1-acre lot with private wooded views.This gorgeous farmhouse-style ranch home features three bedrooms and two baths on the main level, plus an additional bedroom and bath on the second level—for a total of four bedrooms and three baths. Stay connected while escaping it all,

  Linda Mortensen Atlanta Communities

  

  957 Round Top Rd, Ellijay, GA 30540
• 

  

  

  /9

  $635,000 New Construction

  • 3 Beds
  • 2.5 Baths

  2 Round Top Rd, Ellijay, GA 30540

  Barnes Estates by Mardon Construction - Discover five new semi-custom homes to be built in beautiful Ellijay, each on a 1-acre lot with private wooded views. This gorgeous farmhouse-style ranch home features three bedrooms and two & half baths on the main level. Stay connected while escaping it all, with semi-custom craftsmanship inside and out. Welcome friends and family into open, inviting

  Linda Mortensen Atlanta Communities

  

  2 Round Top Rd, Ellijay, GA 30540
• 

  

  /21

  $72,500

  • Land
  • 5.84 Acres
  • $12,414 per Acre

  LT 17B Lakeland Dr, Ellijay, GA 30540

  Experience the best of North Georgia living on this 5.84-acre private lot. Tucked away in a serene setting, this property features a small creek at the back and a private trail leading directly to Carters Lake. For even more outdoor enjoyment, you'll also have access to a 3.7 acre private pond with a scenic walking trail. Abundant wildlife to enjoy and minutes away from putting a boat in at

  Melani Grindley Coldwell Banker High Country

  

  LT 17B Lakeland Dr, Ellijay, GA 30540
• 

  

  /3

  $28,400

  • Land
  • 1.98 Acres
  • $14,343 per Acre

  340 Morton Dr, Ellijay, GA 30540

  Gated mountain community - Big Buck Mountain. Corner 2-ac Lot with large frontage for multiple options on future Home / guest and driveway locations.

  Sinan Zakaria Listed Simply

  

  340 Morton Dr, Ellijay, GA 30540
• 

  

  /8

  $60,000

  • Land
  • 1.01 Acres
  • $59,406 per Acre

  148 Jake's Landing Way, Ellijay, GA 30540

  Welcome to your slice of tranquility in the North Georgia mountains. Nestled in the peaceful Jakes Landing Overlook subdivision, 148 Jakes Landing Way S offers just over one acre of wooded land, providing the perfect backdrop for your dream home or private mountain retreat. The residential zoning allows flexibility for a variety of home designs, and with modest property taxes, it’s an affordable

  Kevin Seder Atlanta Communities

  

  148 Jake's Landing Way, Ellijay, GA 30540
• 

  

  /28

  $619,900 New Construction

  • 3 Beds
  • 2.5 Baths
  • 2,496 Sq Ft

  90 Cold Springs Rd, Ellijay, GA 30540

  Welcome to The Ivy – an exclusive Blue Ridge Design & Development home nestled on 2.2+/- acres in the peaceful Cold Springs subdivision. This beautiful Craftsman-style residence offers a perfect balance of luxury and function, making it a welcoming space for anyone seeking comfort and style. Upon entering, you'll be captivated by the expansive open-concept kitchen and living area. The space

  Mariyah Martin Compass - E+E Group

  90 Cold Springs Rd, Ellijay, GA 30540
• 

  

  /49

  $375,000

  • 3 Beds
  • 3 Baths
  • 1,716 Sq Ft

  685 Riverview Dr, Ellijay, GA 30540

  Welcome to 685 Riverview, where mountain living meets everyday comfort. This 3-bedroom, 3-bath home sits on a half-acre inside the desirable Coosawattee River Resort, giving you the best of both worlds—peaceful privacy with resort-style amenities at your fingertips. On the main level, you'll find two bedrooms including a bright primary suite with a newly remodeled bathroom, plus a cozy family

  Kerry Bernard REMAX Town & Country - Ellijay

  685 Riverview Dr, Ellijay, GA 30540
• 

  

  /28

  $79,900

  • Land
  • 4.66 Acres
  • $17,146 per Acre

  232 Andes Ridge, Ellijay, GA 30540

  MOTIVATED SELLER'S! BRING OFFERS! MUST SEE 4.66 ACRES!! Beautiful wooded lot 232 on Andes Ridge with amazing mountain views tucked away in this quiet gated community of Falling Waters! This lot is one of the largest and highest elevations in the neighborhood allowing for amazing views. You can vista-cut for one of the BEST VIEWS in the community and sit on your back deck to relax and listen to

  Lisa Cox Keller Williams Realty

  

  232 Andes Ridge, Ellijay, GA 30540
• 

  

  /72

  $524,900

  • 3 Beds
  • 3 Baths
  • 2,305 Sq Ft

  188 Foxhound Dr Unit 13, Ellijay, GA 30540

  Escape to your mountain hideaway in Coosawattee River Resort! This fully furnished, turnkey cabin is the kind of place where memories are made-whether you're hosting family holidays, sneaking away for a weekend with friends, or turning it into a successful rental. Cozy up by the fireplace, roast marshmallows around the fire pit, or sink into the hot tub and watch the stars put on a show. Lovingly

  Kerry Bernard RE/MAX Town & Country

  

  188 Foxhound Dr Unit 13, Ellijay, GA 30540
• 

  

  /5

  $15,000

  • Land
  • 0.66 Acre
  • $22,841 per Acre

  0 Alcan Way Unit 7652137, Ellijay, GA 30540

  Discover Your sanctuary in Coosawattee River Resort in Ellijay GA just an hour north of Atlanta. Coosawattee is a picturesque haven that boasts of three enchanting covered bridges, three stunning pools and thrilling activities such as tubing down the river. There are activities for the entire family to enjoy with a variety of hiking trails, game rooms, clubhouses, workout facilities, or mining

  Paige Conner Maximum One Premier Realtors

  

  0 Alcan Way Unit 7652137, Ellijay, GA 30540
• 

  

  /15

  $89,900

  • Land
  • 3.28 Acres
  • $27,409 per Acre

  0 High River Rd Unit 10608415, Ellijay, GA 30540

  This beautiful 3.28-acre lot in the High River community of Ellijay, GA offers a rare chance to create your own mountain retreat in a serene, gated setting. This parcel provides privacy and natural beauty with gentle topography, mature trees, and scenic surroundings, all while offering convenient access to downtown's amenities. The property sits inside a secure, gated community, adding

  Amber Lawrance RE/MAX Town & Country

  

  0 High River Rd Unit 10608415, Ellijay, GA 30540
• 

  

  /10

  $110,000

  • Land
  • 3.46 Acres
  • $31,792 per Acre

  13 Poetic Ct, Ellijay, GA 30540

  Discover the perfect canvas for your vision with this 3.46-acre homesite. Whether you're dreaming of building your forever home or creating a peaceful weekend retreat, this expansive property offers endless possibilities. Tucked away in nature yet only minutes from downtown Ellijay, you'll enjoy both privacy and convenience. Bring your plans, your imagination, and make this rare opportunity your

  David Bascoe Compass

  

  13 Poetic Ct, Ellijay, GA 30540
• 

  

  /15

  $89,900

  • Land
  • 3.28 Acres
  • $27,409 per Acre

  0 High River Rd Unit 7651483, Ellijay, GA 30540

  This beautiful 3.28-acre lot in the High River community of Ellijay, GA offers a rare chance to create your own mountain retreat in a serene, gated setting. This parcel provides privacy and natural beauty with gentle topography, mature trees, and scenic surroundings, all while offering convenient access to downtown’s amenities. The property sits inside a secure, gated community, adding

  Amber Lawrance RE/MAX Town And Country

  

  0 High River Rd Unit 7651483, Ellijay, GA 30540
• 

  

  /82

  $749,900

  • 4 Beds
  • 3.5 Baths
  • 2,800 Sq Ft

  650 Myna Dr Unit 986, Ellijay, GA 30540

  Down a quiet country road, you'll find 650 Myna-a home where mountain views stretch endlessly and a wide river sparkles below. It's the kind of setting that feels like a peaceful retreat yet close enough to conveniences when you need them. Inside, the soaring great room greets you with a stone fireplace, tongue-and-groove ceilings, and a wall of windows framing the outdoors. The open kitchen and

  Kerry Bernard RE/MAX Town & Country

  

  650 Myna Dr Unit 986, Ellijay, GA 30540
• 

  

  /63

  $499,555

  • 3 Beds
  • 2.5 Baths
  • 2,808 Sq Ft

  144 Monet Dr, Ellijay, GA 30540

  Welcome to 144 Monet — a TURN KEY mountain retreat with separate two-bedroom living quarters, located in the heart of the North Georgia foothills inside Coosawattee River Resort. Sold fully furnished (excluding a small list of personal items), this home is truly move-in ready — perfect as a full-time residence, second home, or flexible investment opportunity. From the moment you step onto the

  Kerry Bernard RE/MAX Town And Country

  

  144 Monet Dr, Ellijay, GA 30540
• 

  

  /50

  $375,000

  • 3 Beds
  • 3 Baths
  • 1,716 Sq Ft

  685 Riverview Dr Unit 487, Ellijay, GA 30540

  Welcome to 685 Riverview, where mountain living meets everyday comfort. This 3-bedroom, 3-bath home sits on a half-acre inside the desirable Coosawattee River Resort, giving you the best of both worlds-peaceful privacy with resort-style amenities at your fingertips. On the main level, you'll find two bedrooms including a bright primary suite with a newly remodeled bathroom, plus a cozy family

  Kerry Bernard RE/MAX Town & Country

  

  685 Riverview Dr Unit 487, Ellijay, GA 30540
• 

  

  /82

  $749,900

  • 4 Beds
  • 3.5 Baths
  • 2,808 Sq Ft

  650 Myna Dr, Ellijay, GA 30540

  Down a quiet country road, you'll find 650 Myna-a home where mountain views stretch endlessly and a wide river sparkles below. It's the kind of setting that feels like a peaceful retreat yet close enough to conveniences when you need them. Inside, the soaring great room greets you with a stone fireplace, tongue-and-groove ceilings, and a wall of windows framing the outdoors. The open kitchen and

  Kerry Bernard RE/MAX Town And Country

  

  650 Myna Dr, Ellijay, GA 30540
• 

  

  /24

  $57,900

  • Land
  • 1.32 Acres
  • $43,864 per Acre

  2601 LT Parker Way, Ellijay, GA 30540

  RIVER VIEW LOT - A NATURE LOVER'S DREAM. Perched high above a roaring, crystal-clear river, this stunning wooded lot offers unmatched natural beauty and seclusion. Set on a hillside, this 1.32 acre property provides serene river views year-round and the constant sound of rushing water is a true natural soundtrack that drowns out the noise of everyday life. Surrounded by towering trees and native

  Alicia Edwards REMAX Town & Country - Ellijay

  2601 LT Parker Way, Ellijay, GA 30540
• 

  /2

  $40,000

  • Land
  • 0.7 Acre
  • $57,143 per Acre

  0 Cataula Ct Unit 7652426, Ellijay, GA 30540

  A private .7 acre lot in the Buckhorn Estates community, this land brings nature to your door with the convenience of the community amenities. The Buckhorn community includes a fishing lake, a river park, and the 18-hole Whitepath Golf Course. Located approximately 80 miles north of Atlanta and 70 miles from Chattanooga, this property is a chance to build a mountain dream home in proximity to

  Jordan Trent Keller Williams Realty Atl Perimeter

  

  0 Cataula Ct Unit 7652426, Ellijay, GA 30540
• 

  

  /3

  $149,000

  • 5 Beds
  • 2 Baths

  145 Knight Rd, Ellijay, GA 30540

  Investors Special: Two homes in need of renovations in Glynn County. 145 Knight Rd and 146 Willow Rd. and one empty lot all share 1.32 acres. Both homes have been gutted and ready for a full renovation. The property has several beautiful huge live oak trees. Located only 15 minutes from the beaches on St. Simons Island and 20 min. to Jekyll Island. Perfect Flip opportunity or investment project.

  Beverly Cleveland Keller Williams Georgia Communities

  

  145 Knight Rd, Ellijay, GA 30540
• 

  

  /39

  $175,000

  • 2 Beds
  • 1 Bath
  • 960 Sq Ft

  328 Morton Dr, Ellijay, GA 30540

  || QUIET AND SECLUDED LOCATION || || NO RENTAL RESTRICTIONS || || SUPER LOW HOA DUES || || LARGE OUTBUILDINGS FOR STORAGE AND WORKSHOP || || NEW METAL ROOF || || NEW WATER HEATER || || GORGEOUS WOODED VIEW WITH PRIVATE SPRING || || GREAT RENTAL INCOME WITH TENANT IN PLACE || ** What You'll See ** When you step inside you'll take in the open living space accented by natural textures that create a

  Rhonda Duffy Duffy Realty of Atlanta

  

  328 Morton Dr, Ellijay, GA 30540
• 

  

  /17

  $10,500

  • Land
  • 0.75 Acre
  • $14,000 per Acre

  LOT 223 Bowline Dr, Ellijay, GA 30540

  This beautiful lot sits just off the road with a gentle slope, dropping about 8–10 feet before leveling out into a spacious, usable area. An old logging road crosses the property, adding character and easy access. It's an ideal building site for a daylight basement home, perfectly positioned to overlook a peaceful, meandering stream. MUST SEE! As part of the resort community, you'll enjoy

  Barry Conner BHGRE Metro Brokers - Ellijay

  LOT 223 Bowline Dr, Ellijay, GA 30540
• 

  

  /13

  $78,000

  • Land
  • 6.23 Acres
  • $12,520 per Acre

  127 Hillside Ln, Ellijay, GA 30540

  PRICE TO SELL!! BRING ALL OFFERS! Welcome to your private mountain sanctuary in the coveted community of High River! This is more than just a piece of land; it's an invitation to a lifestyle defined by tranquility, adventure, and modern comfort. Imagine building your dream home on this exceptional 6.23-acre lot, a significantly larger-than-average lot that offers unparalleled space and setting.

  Mark Kooyman Epique Realty

  127 Hillside Ln, Ellijay, GA 30540
• 

  

  /15

  $59,999

  • Land
  • 4.04 Acres
  • $14,851 per Acre

  Lot 19 Harris Branch Rd, Ellijay, GA 30540

  Very private estate sized lot. Gentle lying with only small sloping makes for easy house placement. NO HOA! Just come and bring your ideas and your builder. Just minutes to Carter's Lake's Harris Branch (beach area) and 10 minutes to the marina. Enjoy hiking, biking, swimming, boating all in your own back yard. Additional acreage available.

  James Ellington REMAX Town & Country - Ellijay

  Lot 19 Harris Branch Rd, Ellijay, GA 30540
• 

  

  /16

  $59,999

  • Land
  • 3.71 Acres
  • $16,177 per Acre

  LOT 1 Harris Branch Rd, Ellijay, GA 30540

  Very private estate sized lot. Gentle lying with only small sloping makes for easy house placement. NO HOA! Just come and bring your ideas and your builder. Just minutes to Carter's Lake's Harris Branch (beach area) and 10 minutes to the marina. Enjoy hiking, biking, swimming, boating all in your own back yard. Additional joining acreage available!

  James Ellington REMAX Town & Country - Ellijay

  LOT 1 Harris Branch Rd, Ellijay, GA 30540
• 

  

  /31

  $10,500

  • Land
  • 0.75 Acre
  • $14,000 per Acre

  LOT 223 Bowline Dr Unit 223, Ellijay, GA 30540

  This beautiful lot sits just off the road with a gentle slope, dropping about 8-10 feet before leveling out into a spacious, usable area. An old logging road crosses the property, adding character and easy access. It's an ideal building site for a daylight basement home, perfectly positioned to overlook a peaceful, meandering stream. MUST SEE! As part of the resort community, you'll enjoy

  Barry Conner BHGRE Metro Brokers

  

  LOT 223 Bowline Dr Unit 223, Ellijay, GA 30540
• 

  

  /28

  $78,000

  • Land
  • 6.23 Acres
  • $12,520 per Acre

  127 Hillside Ln Unit LT 25, Ellijay, GA 30540

  PRICED TO SELL! BRING ALL OFFERS!! Welcome to your private mountain sanctuary in the coveted community of High River! This is more than just a piece of land; it's an invitation to a lifestyle defined by tranquility, adventure, and modern comfort. Imagine building your dream home on this exceptional 6.23-acre lot, a significantly larger-than-average lot that offers unparalleled space and setting.

  Mark Kooyman Epique Realty

  

  127 Hillside Ln Unit LT 25, Ellijay, GA 30540
• 

  

  /17

  $60,000

  • Land
  • 2.04 Acres
  • $29,412 per Acre

  17B Amy Creek Cir, Ellijay, GA 30540

  Discover your own private mountain retreat! This spectacular mountaintop acreage offers sweeping western long-range views that capture the beauty of every sunset. Surrounded by pristine nature, you'll find abundant wildlife right outside your door—perfect for those who cherish peace, privacy, and the great outdoors. Despite the seclusion, this property is just minutes from all the excitement and

  Marc Brandt BHGRE Metro Brokers - Ellijay

  17B Amy Creek Cir, Ellijay, GA 30540
• 

  

  /4

  $60,000

  • Land
  • 2.04 Acres
  • $29,412 per Acre

  17 Amy Creek Cir, Ellijay, GA 30540

  Discover your own private mountain retreat! This spectacular mountaintop acreage offers sweeping western long-range views that capture the beauty of every sunset. Surrounded by pristine nature, you'll find abundant wildlife right outside your door-perfect for those who cherish peace, privacy, and the great outdoors. Despite the seclusion, this property is just minutes from all the excitement and

  Marc Brandt BHGRE Metro Brokers

  

  17 Amy Creek Cir, Ellijay, GA 30540
• 

  

  /10

  $120,000

  • 2 Beds
  • 1 Bath

  4 33rd St, Ellijay, GA 30540

  Escape to tranquility in this charming enclosed camper nestled in Coosawattee River Resort. A nice level lot with a 32' camper included. Sit on the spacious covered 20x20 deck built in 2021. There is a nice privacy fence surrounding the property. The side lofted 10x30 building has electricity as well as washer and dryer hook up and is ready to use as a workshop, home office, art studio, or for

  Nicholas Andrew Holden Keller Williams Elevate

  4 33rd St, Ellijay, GA 30540
• 

  

  /3

  $32,900

  • Land
  • 2.41 Acres
  • $13,651 per Acre

  Lot 32 Oceola Dr, Ellijay, GA 30540

  Beautiful 2.41 acre lot in exclusive gated community of Turkey Knob Estates with multiple building sites and a driveway partially cut from Dover Falls Trail. Conveniently located near historic downtown Ellijay as well as Bear Creek Trail, Fort Mountain, USFS, and Pinhote Trail- mountain bikers and outdoor enthusiasts paradise.

  Michael Stover NorthGroup Real Estate

  Lot 32 Oceola Dr, Ellijay, GA 30540
• 

  

  /26

  $375,000

  • 2 Beds
  • 2 Baths
  • 1,378 Sq Ft

  535 Hidden Valley Trail, Ellijay, GA 30540

  Welcome to Hidden Valley! This charming cabin in the mountains has been lovingly named "Rabbit Hill". It sits on the Little Mountaintown Creek. That's right, not only can you sit out in the screened in porch and listen to the creek while sipping your morning coffee, but you can also walk down for fishing or tubing in the water because your land goes to the center of the creek! Inside the home

  Dan Rohrer One Nest Georgia Inc.

  

  535 Hidden Valley Trail, Ellijay, GA 30540
• 

  

  /40

  $435,777

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

  547 Canaan Rd, Ellijay, GA 30540

  Tucked away in a completely private valley, this 4 BD/3.5 BA home is the mountain retreat you've been searching for! Overlooking two serene ponds on gentle laying land, the property offers endless opportunities to enjoy nature—whether you're riding four-wheelers along established trails, fishing in the fully stocked pond (bass, bluegill, and carp), or hunting right outside your back door. The

  The Cindy West Team Remax Town & Country – The Cindy West Team

  547 Canaan Rd, Ellijay, GA 30540
• 

  

  /28

  $129,000

  • 2 Beds
  • 1 Bath
  • 400 Sq Ft

  54 1st St, Ellijay, GA 30540

  Deeded lot with a 2 bedroom and 1 bath Rv close to the gate and across from the Coosawatttee River. Enclosed Rv under a quality Roof Over and bonus room as well as a porch to sit on and chat with friends. Storage shed included. Washer/Dryer located inside of the shed. Make this a fulltime, parttime residence or income producing property. Cash Purchase only. No traditional financing available.

  Kendall Wiseley BHGRE Metro Brokers - Ellijay

  54 1st St, Ellijay, GA 30540
• 

  

  /20

  $474,900

  • 4 Beds
  • 4 Baths
  • 2,878 Sq Ft

  193 Alm Ln, Ellijay, GA 30540

  Make an Offer! Long Range Seasonal Mountain View Chink Log Home 4-bedroom, 4-bathroom cabin with a Two Car detached garage. This home is perfectly designed for short-term rental, a second home, or full-time mountain living. Private setting with frequent visits from local deer, this property offers both tranquility and adventure for those who love the outdoors. Inside, you'll find a spacious open

  Kendall Wiseley BHGRE Metro Brokers

  

  193 Alm Ln, Ellijay, GA 30540
• 

  

  /7

  $25,000

  • Land
  • 1.6 Acres
  • $15,625 per Acre

  28 Oak Ridge Way, Ellijay, GA 30536

  Looking for a building lot in East Ellijay? Don't' miss this opportunity to grab a little over an acre and a half in a gated community. Building restrictions prevent mobile homes, and anything under 1500 sq ft. Located near all the apple orchards and festivals, vineyards, 20 minutes to downtown Blueridge, hiking nearby, beautiful mountain community. You can build now, or hold the land until you

  Linda Williams Keller Williams Lanier Partners

  

  28 Oak Ridge Way, Ellijay, GA 30536
• 

  

  /12

  $1,200,000

  • Land
  • 134 Acres
  • $8,955 per Acre

  0 Highway 52 W Unit 10598315, Ellijay, GA 30540

  Pristine forested land with Million Dollar Long Range Views from multiple locations. Beautiful waterfalls. Spring fed creek. Surrounded on 3 sides by US Forestry Land providing 134 acres of Pure Privacy! Yet only 5 to 10 minutes from downtown Ellijay and all it's restaurants and shops. Easy access to 575/515 or I-75. Easy drive to Carters Lake and Chatsworth, as well. Two to 3 minutes from Fort

  Robert Wiser Coldwell Banker Realty

  

  0 Highway 52 W Unit 10598315, Ellijay, GA 30540

Showing Results 521 - 560, Page 14 of 16