Fort Wayne, IN Homes for Sale with No HOA Fee

• 

  

  

  /18

  $169,000

  • 3 Beds
  • 1.5 Baths
  • 1,704 Sq Ft

  921 Cottage Ave, Fort Wayne, IN 46807

  Updated home in the '07- close to downtown. Beautiful hardwood floors in the living and dining room. Updated kitchen with brand new gas range. All appliances stay including washer and dryer. Tiled bathroom upstairs with 2 additional large bedrooms. Backyard has built-in firepit, fenced-in yard, great patio, and detached garage.

  Britney Brellenthin CENTURY 21 Bradley Realty, Inc

  921 Cottage Ave, Fort Wayne, IN 46807
• 

  

  

  /20

  $320,000 New Construction

  • 5 Beds
  • 3 Baths
  • 2,415 Sq Ft

  ELM Plan at Livingston Lakes, Fort Wayne, IN 46818

  Welcome to the Elm, a spacious and versatile plan offering 2,415 square feet of comfortable living space. This Thoughtfully designed two-story home features 5 bedrooms, 3 bathrooms, and a convenient 2 or 3 car garage. Step into an open and inviting layout perfect for both relaxation and entertainment. The Elm boasts a well-appointed kitchen with ample counter space and a large pantry, ideal for

  D.R. Horton Builder

  1557 Livingston Lakes Way Unit 36206678, Fort Wayne, IN 46818
• 

  

  /2

  $95,900

  • Land
  • 0.24 Acre
  • $399,583 per Acre

  5307 Broad Fields Cove Unit 49, Fort Wayne, IN 46818

  The Ranch at Broad Acres is located west of Lima Road on Hand Road, close to Carroll High School, with easy access to Lima Road.

  Kimberly Ward North Eastern Group Realty

  5307 Broad Fields Cove Unit 49, Fort Wayne, IN 46818
• 

  

  

  /19

  $318,805 Open Sat 12PM - 5PM

  • 3 Beds
  • 2 Baths
  • 1,415 Sq Ft

  12624 Memory Ln, Fort Wayne, IN 46818

  Model homes are OPEN Mon-Wed 1pm - 6pm, Sat-Sun 12-5pm. Floorplan available to build! Lancia's Franklin II ranch with a covered back porch is a popular design. The Franklin II has 1,415 sq.ft. 3 Bedroom, 2 Bath. What we love about this plan is the great open views our the back and it's easy ranch maintenance while still offering the front Bedroom as an alternative Office. The Great Room features

  Jamie Lancia Lancia Homes and Real Estate

  12624 Memory Ln, Fort Wayne, IN 46818
• 

  

  

  /29

  $349,900 New Construction

  • 5 Beds
  • 3 Baths
  • 2,415 Sq Ft

  ELM Plan at Sonora, Fort Wayne, IN 46818

  Welcome to the Elm, a spacious and versatile new construction home floorplan! Step into an open and inviting layout perfect for both relaxation and entertainment. This home boasts a well-appointed kitchen ideal for home cooks and gatherings featuring shaker style cabinets, quartz countertops, stainless steel appliances, and a large center island. The adjoining casual dining and expansive living

  D.R. Horton Builder

  3420 Skywalker Pass Unit 36206710, Fort Wayne, IN 46818
• 

  

  /22

  $620,000

  • 6 Beds
  • 3.5 Baths
  • 3,000 Sq Ft

  2332 N Clinton St, Fort Wayne, IN 46805

  Up for sale is a 3,000 sq ft fully remodeled building with a modern showroom and spacious parking lot, ideal for retail or office use. C2-zoned property allows for many uses or opportunity to develop with it being just a stone's throw from downtown. Can be purchased separately or with the two adjoining parcels(2338 and 2404 N Clinton) What an exceptional commercial opportunity! **Note business is

  Adam Gerig CENTURY 21 Bradley Realty, Inc

  2332 N Clinton St, Fort Wayne, IN 46805
• 

  

  /16

  $113,900

  • 3 Beds
  • 2 Baths
  • 1,816 Sq Ft

  240 E Butler St, Fort Wayne, IN 46803

  Check out this charming 4-Bedroom and 2-bathroom home in the heart of Downtown Fort Wayne. Ideal Investment Opportunity! This property offers plenty of room for families, roommates, or potential tenants. Complete with modern appliances — all less than 2 years old (all included in the sale.) The large front porch adds curb appeal and the perfect spot to relax, while the fenced-in backyard space

  Leanna Hiner Realty of America LLC

  240 E Butler St, Fort Wayne, IN 46803
• 

  /2

  $120,000

  • Land
  • 0.1 Acre
  • $1,200,000 per Acre

  737 E Washington Blvd, Fort Wayne, IN 46802

  Discover this available vacant commercial zoned lot in the heart of downtown — This great Investment is located minutes away from local restaurants, shops, parks, theater, entertainment, and much more. A great opportunity to Create a vision to bring to life in a thriving and flourishing location. 739 E Washington is also for sale.

  Tawana Isabel Rockfield Realty Group

  737 E Washington Blvd, Fort Wayne, IN 46802
• 

  

  /27

  $284,875 New Construction

  • 3 Beds
  • 2 Baths
  • 1,272 Sq Ft

  1217 Catesby Ct, Fort Wayne, IN 46818

  Welcome to 1217 Catesby Court—a single-story home located in Southwest Fort Wayne. The spacious homesite features a relaxing pond view from the backyard patio! Experience low maintenance villa living with master plan irrigation, full landscaping service, and driveway snow removal. From the foyer, you’ll be welcomed into a smartly designed open layout home with 3 bedrooms and 2 bathrooms. The

  D.R. Horton Builder

  1217 Catesby Ct, Fort Wayne, IN 46818
• 

  

  /30

  $220,000

  • 3 Beds
  • 2 Baths
  • 1,200 Sq Ft

  3417 S Anthony Blvd, Fort Wayne, IN 46806

  Welcome to this beautiful, brand-new two-story home offering 3 bedrooms, 2 full bathrooms, and 1,200 square feet of modern living space. The driveway is located to the right of the home, with alley access at the rear. Thoughtfully constructed and move-in ready, this home is designed for comfort and functionality. The main level features an open kitchen and dining area that flows seamlessly into

  Son Huynh CENTURY 21 Bradley Realty, Inc

  3417 S Anthony Blvd, Fort Wayne, IN 46806
• 

  

  /36

  $250,000

  • 3 Beds
  • 4 Baths
  • 1,920 Sq Ft

  1902 Columbia Ave, Fort Wayne, IN 46805

  Welcome to 1902 Columbia Ave in Fort Wayne, ideally situated on a prominent corner lot in the historic Kensington Park neighborhood on Kensington Blvd. This charming 3-bedroom home featuring 2 full baths and 2 half baths beautifully blends classic character with thoughtful modern updates inside and out. Step inside to discover stunning hardwood floors that bring warmth and timeless appeal

  Andrea Gates Coldwell Banker Real Estate Gr

  1902 Columbia Ave, Fort Wayne, IN 46805
• 

  

  /8

  $145,000

  • 3 Beds
  • 1 Bath
  • 1,970 Sq Ft

  3424 Kirkwood Dr, Fort Wayne, IN 46805

  LARGE HOME WITH AN OPEN FLOORPLAN; HARDWOOD FLOORS THROUGHOUT. THE UPSTAIRS DEN CAN BE A FOURTH BEDROOM WITH AN OPEN LOFT.

  Claudia White 5 Star Realty

  3424 Kirkwood Dr, Fort Wayne, IN 46805
• 

  /2

  $320,000

  • 4 Beds
  • 6 Baths
  • 3,592 Sq Ft

  1930 Lafayette St, Fort Wayne, IN 46803

  6 plex close to downtown. 5 units are currently rented. One is ready to be rented and might be by the time this house closes. Current management in place. New management could take over as well. Please allow 48 hours for all showing request.

  Trevor Wright Mike Thomas Associates, Inc.

  1930 Lafayette St, Fort Wayne, IN 46803
• 

  /2

  $11,000

  • Land
  • 0.12 Acre
  • $90,909 per Acre

  808 Florence Ave, Fort Wayne, IN 46808

  Back on the market due to no fault of the Seller or any problems with the property! Lot 198 and lot 199, 2 side-by-side lots totaling 0.121/acre, L-shaped with frontage on Florence of approximately 47' and also frontage on Andrew of approximately 15'. Very convenient location! Just minutes to downtown and really all of Fort Wayne.

  Mike Boykin Community Real Estate, Inc

  808 Florence Ave, Fort Wayne, IN 46808
• 

  

  /36

  $329,450 New Construction

  • 4 Beds
  • 2.5 Baths
  • 2,053 Sq Ft

  1001 Stuckey Pointe Pass, Fort Wayne, IN 46818

  Check out 1001 Stuckey Pointe Pass in Livingston Lakes, a beautifully crafted new construction home. Located on a spacious homesite with the privacy of a cul-de-sac! From the front door, a welcoming foyer leads to a dedicated study that’s perfect for remote work, homework, or hobbies. Just beyond, you’ll enter the open main living space, featuring a spacious great room, casual dining area, and

  D.R. Horton Builder

  1001 Stuckey Pointe Pass, Fort Wayne, IN 46818
• 

  

  /5

  $69,900

  • Land
  • 0.57 Acre
  • $122,632 per Acre

  3325 Lower Huntington Rd, Fort Wayne, IN 46809

  *Very affordable opportunity in the heart of Waynedale's business district - this 1/2 acre lot on the corner of Lower Huntington and Baer Road offers prime potential for redevelopment! *Tons of possibilities for multi-family use or perhaps a small business, the lot is already zoned commercial with great visibility. *The parcel benefits from city utilities, paved road frontage and excellent

  Greg Brown CENTURY 21 Bradley Realty, Inc

  3325 Lower Huntington Rd, Fort Wayne, IN 46809
• 

  

  /19

  $145,000

  • 3 Beds
  • 1.5 Baths
  • 1,460 Sq Ft

  1308 E Rudisill Blvd, Fort Wayne, IN 46806

  Beautifully updated two-story home featuring 3 bedrooms, 1.5 baths, new paint, new flooring, and stylish new cabinets, countertops, and vanities. Enjoy outdoor living with a spacious deck and a detached garage

  Ahtway Freeda Allure Realty LLC

  1308 E Rudisill Blvd, Fort Wayne, IN 46806
• 

  

  /26

  $512,900 Open Sat 12PM - 2PM

  • 4 Beds
  • 2.5 Baths
  • 2,050 Sq Ft

  5326 Fair Creek Run, Fort Wayne, IN 46818

  The Santee by Majestic Homes is a beautiful ranch home that offers 4 bedrooms, 2 1/2 baths, mud room, laundry room, a 3 car garage, and a large covered patio with relaxing views to the large pond. This home offers Cathedral ceilings throughout the kitchen & Great room, soft close doors & drawers, quartz countertops, tiled master shower, walk in closets in the master bedroom and bedrooms 2 & 3,

  Frank Shepler CENTURY 21 Bradley Realty, Inc

  5326 Fair Creek Run, Fort Wayne, IN 46818
• 

  

  /27

  $264,000

  • 3 Beds
  • 2.5 Baths
  • 2,155 Sq Ft

  4825 Wheatridge Rd, Fort Wayne, IN 46835

  Welcome to 4825 Wheatridge Rd, a well-maintained home located in a quiet, established Fort Wayne neighborhood. This property offers a functional layout with comfortable living spaces, making it ideal for both everyday living and entertaining. Inside, you’ll find a bright and inviting interior with neutral finishes that provide a great foundation for your personal style. The living areas flow

  Carly Miller Mike Thomas Assoc., Inc

  4825 Wheatridge Rd, Fort Wayne, IN 46835
• 

  /2

  $1,725,000

  6130 W Wastington Center St, Fort Wayne, IN 46818

  Welcome to 33.68 Acres of potential! Strategically positioned in a high-growth zone just opposite Amazon on W. Washington Center Road. This expansiveproperty boasts exceptional accessibility, mere minutes from the intersection of I-69 and Highway 30. The 33.68 +/- acres present,perfectly suited for commercial ventures or multi-family residential projects. As the new owner, you'll have the

  Larry Smith CENTURY 21 Bradley Realty, Inc

  6130 W Wastington Center St, Fort Wayne, IN 46818
• 

  

  /29

  $199,900

  • 4 Beds
  • 2 Baths
  • 2,232 Sq Ft

  1505 Swinney Ave, Fort Wayne, IN 46802

  *Don’t miss out on this unique duplex offering over 2,200 square feet of living space, just minutes from downtown and the Electric Works project! *Each unit features 2 bedrooms and 1 full bath, for a total of 4 bedrooms and 2 full baths. *The property also includes a full basement, perfect for extra storage or potential expansion, PLUS a 24x24 detached garage. *Central air for both units and one

  Greg Brown CENTURY 21 Bradley Realty, Inc

  1505 Swinney Ave, Fort Wayne, IN 46802
• 

  

  /10

  $89,900

  • 2 Beds
  • 1 Bath
  • 768 Sq Ft

  3309 Central Dr, Fort Wayne, IN 46806

  Whether you’re looking to expand your investment portfolio or find a place to call home, this property checks all the boxes. Recently vacated and ready for immediate occupancy, this long-term rental has been refreshed with new paint and updates throughout, making it truly move-in ready. The home is conveniently located near shopping, dining, and a variety of local amenities, offering everyday

  David Stemen Cornerstone Realty Group

  3309 Central Dr, Fort Wayne, IN 46806
• 

  

  /20

  $79,900 Open Sat 12PM - 2PM

  • 2 Beds
  • 1 Bath
  • 794 Sq Ft

  2605 Westward Dr, Fort Wayne, IN 46809

  ***OPEN HOUSE Saturday 3/7 from 12-2PM***2-bedroom, 1-bath home located in the heart of Waynedale, just minutes from the Fort Wayne International Airport and Lakewood Park! This property offers a functional layout with spacious living areas, an efficient kitchen, and great natural light throughout. Situated on almost a quarter acre, there’s plenty of room for outdoor enjoyment, pets, or

  Ashley Collins Lamb Anthony REALTORS

  2605 Westward Dr, Fort Wayne, IN 46809
• 

  

  /34

  $149,900

  • 3 Beds
  • 1 Bath
  • 1,352 Sq Ft

  445 E Wildwood Ave, Fort Wayne, IN 46806

  Owners are looking for the right buyer to call this beauty their home!!!! Home Sweet Home. You are going to fine nice features in this property, all electrical wiring was recently done, new Ac, new flooring, carpet, light fixtures. The house offers 3 bedrooms, nice size living and dining room. Come and see it yourself

  Lilliana Caro Coldwell Banker Real Estate Gr

  445 E Wildwood Ave, Fort Wayne, IN 46806
• 

  /2

  $250,000

  • Land
  • 0.05 Acre
  • $5,000,000 per Acre

  2225 McKinnie Ave, Fort Wayne, IN 46806

  This sale includes the following property; 021318377031000074 W half of Lot 68 in the South Walton Ave Acre Add; 021318377033000074 South 180 Ft of Lot 67 in the South Walton Ave Acre Add; 021318377029000074 South 120 Ft of Lot 67 in the South Walton Ave Acre Add. List price of $250,000 is for all properties.

  Doris Green 1st Source Realty LLC

  2225 McKinnie Ave, Fort Wayne, IN 46806
• 

  

  /36

  $299,900

  • 6 Beds
  • 2 Baths
  • 2,820 Sq Ft

  1814 College St, Fort Wayne, IN 46802

  Unique Duplex Opportunity Within Walking Distance to Electric Works! Location is everything, and this purpose-built duplex delivers just that—just steps away from the vibrant Electric Works development. Each side of the duplex features three spacious bedrooms, one full bathroom, and a basement. One unit showcases original wood floors, while the other has been updated with modern vinyl plank

  Andrew Kershner Mike Thomas Assoc., Inc

  1814 College St, Fort Wayne, IN 46802
• 

  

  /29

  $210,000

  • 3 Beds
  • 1.5 Baths
  • 1,504 Sq Ft

  2222 Lawndale Dr, Fort Wayne, IN 46805

  Don't miss this rare opportunity to own a stunning home perfectly positioned alongside a peaceful neighborhood park. Step inside, and you will find a spacious layout with the living room that seamlessly blends into the dining area. This provides ample space to make those lasting memories. Upstairs, there are 3 bedrooms with an updated full bath. The new privacy fence is a great bonus for pets, a

  Jerry Jenkins Coldwell Banker Real Estate Gr

  2222 Lawndale Dr, Fort Wayne, IN 46805
• 

  

  /21

  $196,000

  • 3 Beds
  • 3 Baths
  • 1,876 Sq Ft

  1018 Van Buren St, Fort Wayne, IN 46802

  MOTIVATED SELLER. Great opportunity to make this Historical home your own. Boasting 3 large bedrooms and 3 bathrooms and room for a garage. New roof in in 2018, Exterior painted in 2023. Located in West Central this property is within blocks of Promanade Park, the Farmer's Market, Parkview field and Electirc Works. Schedule your showing today! All changes to the exterior and what is subject to

  Regina Lawson CENTURY 21 Bradley Realty, Inc

  1018 Van Buren St, Fort Wayne, IN 46802
• 

  

  /19

  $789,900

  • 4 Beds
  • 1.5 Baths
  • 1,824 Sq Ft

  7405 Wayne Trace, Fort Wayne, IN 46816

  Unique opportunity to acquire a 1.27-acre C2 zoned property featuring both a 2,947 SF restaurant/bar and a 2,736 SF, 4-bedroom residential home, all positioned at 7405/7409 Wayne Trace in Fort Wayne, Indiana. The commercial building operates as an income-producing bar/restaurant, while the residential home offers additional rental income owner-occupant flexibility, or Multifamily redevelopment.

  Jacob Wagner Coldwell Banker Real Estate Group

  7405 Wayne Trace, Fort Wayne, IN 46816
• 

  

  /19

  $307,900 New Construction

  • 4 Beds
  • 2.5 Baths
  • 2,053 Sq Ft

  Bellamy Plan at Thunderhawk, Fort Wayne, IN 46818

  Welcome to the Bellamy, a beautifully designed two-story home with 4 bedrooms, 2.5 bathrooms, and a dedicated home office. As you step through the front door, you’ll find a private study—perfect for working from home or setting up a quiet reading nook. From there, the foyer opens to a spacious great room that flows into the casual dining area and modern kitchen, creating a seamless living space

  D.R. Horton Builder

  8026 Huguenard Rd Unit 37977694, Fort Wayne, IN 46818
• 

  /2

  $165,500 Coming Soon

  • 3 Beds
  • 1.5 Baths
  • 1,344 Sq Ft

  131 E Branning Ave, Fort Wayne, IN 46806

  Start Showing Date: 3/20/2026 The showing date starts on 3/20/2026 for this beautiful, remodeled 3-bedroom, 1.5-bath home, which has been updated from top to bottom. Every detail has been thoughtfully updated to offer modern comfort and style. Every inch of the interior and exterior is brand new! From the moment you step inside, you'll notice the fresh, clean feel of a home that has been fully

  Jerry Jenkins Coldwell Banker Real Estate Gr

  131 E Branning Ave, Fort Wayne, IN 46806
• 

  

  /23

  $489,900 Open Sat 12PM - 2PM

  • 3 Beds
  • 2 Baths
  • 2,092 Sq Ft

  5236 Fair Creek Run, Fort Wayne, IN 46818

  Located in The Fields at Broad Acres is the St. Francis by Majestic Homes. Situated on a pond lot this open concept floorplan offers spacious living with its Large Great room, kitchen, and dining room that offer wonderful views from the large picture window or the oversize windows in the great room. Measuring in at 2,092 sq/ft this 3 bedroom/ 2 bath home feels much larger due to the openness that

  Frank Shepler CENTURY 21 Bradley Realty, Inc

  5236 Fair Creek Run, Fort Wayne, IN 46818
• 

  

  /5

  $50,000

  • Land
  • 0.24 Acre
  • $208,333 per Acre

  3622 & 3628 Logan Ave, Fort Wayne, IN 46803

  Two Fort Wayne City lots available! Each lot is .12 ac. giving you just under a quarter acre on Logan Ave. just off Coliseum Blvd. Lots are being sold together, but each has had a house on them at one point, so you can either connect for one large potential build site, or keep them separate for a great investment opportunity. Schedule your private walk-through today.

  Andy Miller RE/MAX Results

  3622 & 3628 Logan Ave, Fort Wayne, IN 46803
• 

  

  /23

  $368,650 New Construction

  • 4 Beds
  • 2.5 Baths
  • 2,346 Sq Ft

  1416 Stuckey Pointe Pass, Fort Wayne, IN 46818

  Take a look at 1416 Stuckey Pointe Pass, a stunning new construction home in Livingston Lakes. This homesite offers a covered front porch, ideal for relaxing at the end of the day! Inside, the entry foyer leads past a private study before opening up to a thoughtfully designed main floor. The great room, casual dining area, and kitchen are connected in a modern open-concept layout, creating a

  D.R. Horton Builder

  1416 Stuckey Pointe Pass, Fort Wayne, IN 46818
• 

  

  /36

  $304,900

  • 3 Beds
  • 3 Baths
  • 3,482 Sq Ft

  3218 Eastbrook Dr, Fort Wayne, IN 46805

  Come see this Charming Cape Cod sitting elegantly on a hill! 2510 SF + Finished Basement! The Foyer entrance leads to a large, sunny living room w/ brick, gas-log fireplace, threshold arches, and beautiful parquet hardwood floor! LVP is throughout most of the first floor. The Beautiful, Open Kitchen was remodeled in 2006 with Dutch-Made Cabinets, sink & counters, Tall Ceiling & many extras.

  Joel Griebel Coldwell Banker Real Estate Gr

  3218 Eastbrook Dr, Fort Wayne, IN 46805
• 

  

  /3

  $164,900

  • 4 Beds
  • 2 Baths
  • 1,804 Sq Ft

  2808 Witchwood Dr, Fort Wayne, IN 46809

  New construction opportunity ready for your vision. This property is framed and features a completed roof, installed furnace, front entry door, and windows. Concrete inspection has been passed, allowing the project to move forward with confidence. The home is ready for interior and exterior customization, making it ideal for builders, investors, or buyers looking to finish to their own

  Jacob Slater Coldwell Banker Real Estate Gr

  2808 Witchwood Dr, Fort Wayne, IN 46809
• 

  

  /16

  $60,000

  • 2 Beds
  • 2 Baths
  • 728 Sq Ft

  2510 Sheridan Rd Unit AC 41, Fort Wayne, IN 46803

  Move in special! For new buyers, first 3 months free lot rent! Welcome to this 2025 model 14x52 single wide home. Featuring 2 bedrooms and 2 bath in an efficient layout. This home offers modern finishes, energy efficiency and low maintenance living. Conveniently located, you'll enjoy close proximity to shopping, dinning, schools and major highways, making your daily commute and errands a breeze.

  Markie Altimus Realty ONE Group Envision

  2510 Sheridan Rd Unit AC 41, Fort Wayne, IN 46803
• 

  /2

  $2,080,000

  • 2 Beds
  • 1 Bath
  • 910 Sq Ft

  1918 Drexel Ave, Fort Wayne, IN 46806

  Rare opportunity to acquire a 20-property, plug-and-play rental portfolio with tenants already in place, an ideal acquisition for investors seeking immediate income and scalable growth from day one. This offering provides a diversified collection of single-family homes across Fort Wayne, eliminating the time and effort typically required to source, renovate, and stabilize multiple properties.

  Brittany Meza Keller Williams Realty Group

  1918 Drexel Ave, Fort Wayne, IN 46806
• 

  

  /16

  $159,900

  • 2 Beds
  • 1 Bath
  • 1,049 Sq Ft

  4865 Stellhorn Rd, Fort Wayne, IN 46815

  This charming home offers it all! This 2-bedroom is conveniently located near shopping, dining, schools and more. Situated on nearly an acre leaving plenty of space to entertain or build your dream workshop. This property is currently being comfortably used as a 3-bedroom home and can be easily converted to fit your needs. Priced affordably leaving plenty of room to make this place yours!

  Darlene Bullock Sterk Mike Thomas Assoc., Inc

  4865 Stellhorn Rd, Fort Wayne, IN 46815
• 

  

  /36

  $134,900

  • 3 Beds
  • 1 Bath
  • 1,236 Sq Ft

  2911 Broadway, Fort Wayne, IN 46807

  Updated ’07 Opportunity Near Downtown Fort Wayne! Discover 2911 Broadway — a move-in-ready home that perfectly blends modern updates with classic ’07 character. Featuring 3 bedrooms, 1 bath, and 1,152 square feet, this property is an excellent choice for first-time buyers or investors seeking a strong rental opportunity in one of Fort Wayne’s most desirable neighborhoods. Step inside to find a

  Jessica Arnold North Eastern Group Realty

  2911 Broadway, Fort Wayne, IN 46807

Showing Results 81 - 120, Page 3 of 13