1,045

Homes for Sale near Franklin High School

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  • /12

    $66,360

    • Land
    • 36,546 Sq Ft
    • $79,094 per Acre

    Lot #21 Porter Creek Rd, Franklin, NC 28734

    Come home to Porter Creek where the lifestyle for your family and friends is like a dream come true. This country setting which was once an 80-acre farm is located just outside the city limits with paved roads, city water and fiber for high speed internet. The magic unfolds as you enter with ponds, creek, stone pavers and the rustic country gate that opens to luxurious mountain living. The

    Evelyn Owens Keller Williams Realty Of Franklin

    Lot #21 Porter Creek Rd, Franklin, NC 28734
  • /19

    $95,000

    • Land
    • 37,897 Sq Ft
    • $109,195 per Acre

    534 Porter Creek Dr, Franklin, NC 28734

    Located in the beautiful gated community of Porter Creek, this 0.87-acre lot offers the perfect setting for your future mountain home. With underground utilities, water available, septic installed, and fiber-optic internet, much of the groundwork is already complete — making this an exceptional build-ready property. The terrain is gently rolling and open, making site prep straightforward and

    Dan O'Connell Exp Realty, LLC (Mls Only)

    534 Porter Creek Dr, Franklin, NC 28734
  • /51

    $279,000

    $10K PRICE DROP
    • 3 Beds
    • 2 Baths

    97 Mountain Pride Ridge, Franklin, NC 28734

    Views for days in this spacious 3-bed, 2-bath mountain retreat, offering spectacular Smoky Mountain vistas from the front deck and nearly every room in the home. All protected by a new roof!!! The large primary suite features a walk-in closet and a generous bath with a walk-in shower and oversized soaking tub. Two additional bedrooms—each impressively sized—share a well-appointed bath. Two

    John Evans Re/Max Elite Realty

    97 Mountain Pride Ridge, Franklin, NC 28734
  • /16

    $285,000

    • Land
    • 16.36 Acres
    • $17,421 per Acre

    0 Bradley Creek Rd Unit 26046509, Cowee, NC 28734

    Nestled at the end of a quiet country road, this exceptional 16.36-acre portion of the original 35.47-acre property offers a rare opportunity to own a private mountain retreat surrounded by natural beauty. The land features a stunning blend of open level land, mature hardwoods, and flowing water, creating a peaceful setting that feels worlds away from the pace of everyday life. At the heart of

    Melissa Mossbarger Realty One Group Vibe

    0 Bradley Creek Rd Unit 26046509, Cowee, NC 28734
  • /3

    $340,000

    $30K PRICE DROP
    • Land
    • 17,424 Sq Ft
    • $850,000 per Acre

    TBD Upper Lake Rd Unit 69, Highlands, NC 28741

    Discover this beautiful 0.4 acre land lot within Highlands, NC town limits and only 1 mile to Main Street. The lot resides on the slopes of desirable Big Bear Pen mountain and is close to multiple luxury homes, providing a Buyer the opportunity to own within a highly respected area. The Seller has partially cleared the lot. Public water access available at the street. A key consideration is

    John Sheehan MOUNTAIN LIFE REAL ESTATE, LLC

    TBD Upper Lake Rd Unit 69, Highlands, NC 28741
  • /37

    $260,000

    $10K PRICE DROP
    • 4 Beds
    • 4 Baths

    130 First St, Franklin, NC 28734

    Zoned FC2 Small Commercial, this unique offering includes an amazing older 4BR, 4BATH home on 1 acre.. A great home for development, investment, or live-work opportunities... perfect for rental income. This large character-filled home is ready for renovation, ideal for repurposing or redevelopment. This property delivers the zoning, frontage, and location to make whatever you want to

    John Becker Bald Head Realty

    130 First St, Franklin, NC 28734
  • /28

    $25,000

    • Land
    • 17,424 Sq Ft
    • $62,500 per Acre

    Lot 4 Piney Grove Rd, Franklin, NC 28734

    A great little lot with huge potential! Take a drive up this lovely & well maintained gravel road to this gentle laying lot with what appears to be great view potential! There is overhead electric on neighboring properties. The Restrictions are light. Only 600 Minimum sq feet heatable floor space required to build. Bring your plans and your contractor and get ready to make your mountain home

    Lynda Suttles Bald Head Realty

    Lot 4 Piney Grove Rd, Franklin, NC 28734
  • /17

    $250,000

    • Land
    • 1.02 Acres
    • $245,098 per Acre

    0 Franklin Rd Unit 1003668, Highlands, NC 28741

    Beautiful views of Lake Sequoyah on this 1.02 acre lot that has been improved and prepped for building your mountain oasis in the delightful town of Highlands, NC! Bordering public forestry land and on the edge of city limits, this lot is a rare find! Public water and sewer availabilty create a site that is ready for the next step. A public boat ramp is also directly across the street to launch

    Kasie Campbell Poss Realty Group - Clayton

    0 Franklin Rd Unit 1003668, Highlands, NC 28741
  • /11

    $24,000

    • Land
    • 43,124 Sq Ft
    • $24,242 per Acre

    Unlisted Address

    Two adjoining lots in the Valley View Subdivision being offered together for a total of 0.99 acres. Conveniently located just minutes west of Franklin, this property offers rolling topography with a peaceful mountain setting and year-round views. The land is suitable for a single-family residence under the existing subdivision restrictions (minimum 800 sq ft, no mobile homes), preserving the

    Dan O'Connell Exp Realty, LLC (Mls Only)

    Unlisted Address
  • /7

    $175,000

    • Land
    • 2,178 Sq Ft
    • $3,500,000 per Acre

    19 W Highlands Way, Scaly Mountain, NC 28775

    Experience the pinnacle of luxury and serenity at 19 W. Highlands Way in Wildflower Creek Motor Coach Resort, nestled in the heart of Scaly Mountain, NC. This premium lot features a stylish covered porch perfect for savoring morning sunrises or evening stargazing, paired with a spacious storage shed to keep your gear organized. This lot is an idyllic mountain retreat for your high-end motorcoach.

    Chip Durpo Durpo Realty Associates

    19 W Highlands Way, Scaly Mountain, NC 28775
  • /48

    $615,000

    • 3 Beds
    • 3 Baths

    57 Willow Place, Franklin, NC 28734

    Don't miss out on this opportunity to live in the Executive Estate in the Mill Creek Country Club. This home is finished with hardwood flooring, tile, and luxury vinyl flooring. The spacious kitchen boasts granite countertops, built in oven/microwave, stainless steel appliances, and a walk-in pantry. The master bedroom is complete with a walk-in closet, a jetted/heated tub and a walk-in shower.

    Isaiah Johns Mountain Pro Real Estate Prof.

    57 Willow Place, Franklin, NC 28734
  • /39

    $274,999

    $24K PRICE DROP
    • 3 Beds
    • 1.5 Baths
    • 1,832 Sq Ft

    57 Gribble Rd, Franklin, NC 28734

    Convenient to shopping and to downtown Franklin, this home on the Georgia Road would be great for a permanent home or rental. The main level contains all 3 bedrooms and 1 1/2 bathrooms. Home was renovated two years ago and hall bathroom has a new vanity and mirror that was just added. Enjoy a warm bath or shower and enjoy the heated bathroom floor! Current owner added mini-splits on the main

    Renee Corbin Blue Ridge Premier Realty

    57 Gribble Rd, Franklin, NC 28734
  • /6

    $12,000

    • Land
    • 22,215 Sq Ft
    • $23,529 per Acre

    1 Holly Ridge Dr, Topton, NC 28781

    Nice lot located in the well-established development of El- Shaddai, perched high above the crystal clear waters of Nantahala Lake. Enjoy crisp, cool summer days with an elevation over 3400ft. This lot has a small knoll and gentle terrain, making it easy to build your peaceful retreat. Community water is available, and power is also nearby. Centrally located to many of the area's amenities such

    Stacy Hyatt Appalachian Real Estate

    1 Holly Ridge Dr, Topton, NC 28781
  • /17

    $259,900

    $10K PRICE DROP
    • 2 Beds
    • 1 Bath
    • 396 Sq Ft

    527 Saunders Lot 14 Rd, Franklin, NC 28734

    SELLER OFFERING $20,000 OFF TO FIRST 10 TURN KEY HOME BUYERS. The power has just been turned on to this house. This house has never been lived in. Turnkey 2024 "Madison" Model tiny home on 0.24-acre- Lot #14 This 538 sq ft park model features 2 bedroom, 1 bath, and a loft. Modern design, efficient layout. Peaceful Meadows spans 28 acres and will feature 78 homes at completion. Residents enjoy a

    Joanna Radford Poss Realty

    527 Saunders Lot 14 Rd, Franklin, NC 28734
  • /24

    $39,900

    $20K PRICE DROP
    • Land
    • 29,185 Sq Ft
    • $59,552 per Acre

    320 Orenda Dr, Franklin, NC 28734

    PRICE IMPROVEMENT! Motivated Seller! Your new homestead awaits! A lovely 0.67+/- acre lot in the Orenda Vista subdivision, the sellers have provided a well permit, 2-bedroom septic, and a fresh gravel driveway into the house pad area. No restrictions means you can park your RV, build your tiny home, or have a full modular or stick-built home of your dreams put in. A little stream runs through the

    Christopher Farlow Keller Williams Realty Of Franklin

    320 Orenda Dr, Franklin, NC 28734
  • /36

    $40,000

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

    Lot 12 Cliff View Dr, Franklin, NC 28734

    NEW PRICE!! Beautiful 4.00 acre tract in sought after Cliff View development. Peaceful setting with excellent long range mountain views! Easy access with well maintained, wide gravel roads. Driveway and freshly graded building site is ready! Underground Power in place. New septic & well permits. 1400 minimum square footage to build. Stick built on site homes only. No modulars, mobile or

    Stephanie Sainz Bald Head Realty

    Lot 12 Cliff View Dr, Franklin, NC 28734
  • /14

    $60,000

    • Land
    • 2.08 Acres
    • $28,846 per Acre

    Lot 10 Elkhorn Ridge Dr, Franklin, NC 28734

    Welcome to one of Macon County's well-regarded subdivisions, Elkhorn Ridge, located in the highly desirable Patton Valley area of Franklin. This 2.08-acre lot lays nicely and offers END OF ROAD PRIVACY, an excellent building site with some prep and the potential for a stunning long-range mountain view with tree clearing. PLUS ACCESS TO COMMUNITY WATER. Tucked away for privacy, the property

    Caity Conner Realty One Group Vibe

    Lot 10 Elkhorn Ridge Dr, Franklin, NC 28734
  • /85

    $499,900

    $40K PRICE DROP
    • 2 Beds
    • 1 Bath

    38 Camp Ultima Blvd, Franklin, NC 28734

    Dreaming of a unique Western NC hospitality venture where you can live, work, and create unforgettable mountain memories - all from the comfort of home? This vintage glamping retreat in the heart of the Smoky Mountains awaits its next steward! Welcome to Southern Belles Glamping, a one-of-a-kind "Glampground" nestled on 2.9 gentle unrestricted acres featuring 6 beautifully restored vintage

    Kelly Penland Realty One Group Vibe

    38 Camp Ultima Blvd, Franklin, NC 28734
  • /93

    $2,250,000

    $249K PRICE DROP
    • 6 Beds
    • 5.5 Baths

    26 Valentine Ln, Highlands, NC 28741

    Just minutes from Main Street in Highlands, yet tucked just outside the town limits, this fully furnished mountain retreat offers the rare balance of convenience, privacy, and unforgettable mountain charm. Whether you’re searching for a personal getaway, full-time residence, or income-producing investment, this property is ready to enjoy from day one and currently operates as a successful

    Sarah Strawn Keller Williams Great Smokies

    26 Valentine Ln, Highlands, NC 28741
  • /42

    $359,900

    • 3 Beds
    • 3 Baths

    43 Mar Bob Trail, Otto, NC 28763

    Nestled in the peaceful Otto area, this inviting 3-bedroom, 3-bath home offers a functional floor plan & beautiful private setting. A paved circular driveway provides easy access & ample parking, complemented by a main-level covered carport & attached one-car basement garage. Step inside to an open split-bedroom floor plan featuring vaulted ceilings, abundant natural light, & a striking stone

    Katelyn VanderWoude Re/Max Elite Realty

    43 Mar Bob Trail, Otto, NC 28763
  • /48

    $929,000

    $20K PRICE DROP
    • 3 Beds
    • 3.5 Baths
    • 4,355 Sq Ft

    323 Mashburn Branch Rd, Franklin, NC 28734

    Welcome to a home where space, privacy, and intentional design come together. Situated on 4.5 unrestricted acres, this freshly renovated 4,300 sq ft property offers a rare blend of usable land, wooded surroundings, and a setting that feels private yet highly convenient. Featuring an open floor plan with true main-level living, the home is anchored by a warm wood-burning fireplace. Designed for

    Stefanie Conley Keller Williams Great Smokies

    323 Mashburn Branch Rd, Franklin, NC 28734
  • /22

    $239,900

    New Construction
    • 1 Bed
    • 1 Bath
    • 397 Sq Ft

    527 Saunders Rd Unit LOT 52, Franklin, NC 28734

    SELLER OFFERING $20,000 OFF TO FIRST 10 TURN KEY HOME BUYERS. The power has just been turned on to this house. This house has never been lived in. Turnkey Blackberry Model tiny home on 0.44-acre Lot #52! This 397 sq ft, 12' x 43' park model offers 1 bedroom, 1 bath, and a covered front porch-perfect for enjoying peaceful outdoor living. Peaceful Meadows spans 28 acres and will feature 78 homes at

    Joanna Radford Poss Realty

    527 Saunders Rd Unit LOT 52, Franklin, NC 28734
  • /57

    $119,900

    • Land
    • 4.22 Acres
    • $28,412 per Acre

    00 Carolina Crest Dr, Franklin, NC 28734

    Close to downtown Franklin 4.22 Acres with PRIVACY, MOUNTAIN VIEWS & Paved Road Access! 7 lots purchased to create a PRIVATE knoll top setting at 2450 feet elevation! Lots 21 & Lot 23 both have current 3BR septic approvals and shared rights to the well located on lot 16 Carolina Crest Unit 1. The connection to the well on lot 16 is located between lots 21 and 23 in a black utility box. These lots

    Jamie Stamey Unique Properties Of Franklin

    00 Carolina Crest Dr, Franklin, NC 28734
  • /50

    $246,900

    $3K PRICE DROP
    • 2 Beds
    • 2 Baths

    78 Conners Park, Franklin, NC 28734

    Spacious home in the desirable Clarks Chapel area offering privacy, usable land, a great neighborhood and well-rounded outdoor living space. 2 Bed, 2 Bath +1 Bonus Room Situated on 0.82+/- acres, the property features usable yard space in both the front and back, along with a fire pit area that's perfect for evenings outdoors. Enjoy the covered front porch or the decks on both sides of the

    Evan Klatt Re/Max Elite Realty

    78 Conners Park, Franklin, NC 28734
  • /8

    $349,999

    • Land
    • 31.01 Acres
    • $11,287 per Acre

    TBD Coweeta Lab Rd, Otto, NC 28763

    Discover 31 acres of unrestricted, unzoned land in beautiful Otto, NC! With no HOA and endless possibilities, this rare offering consists of three parcels with easy access off publicly maintained Coweeta Lab Road. The property is wooded, offering a peaceful natural setting, yet the topography is very favorable for building. You'll find multiple potential homesites with a mix of long-range

    Spencer Kirkpatrick Highlands Sotheby's International Realty (Mls)

    TBD Coweeta Lab Rd, Otto, NC 28763
  • /55

    $1,550,000

    • 3 Beds
    • 3.5 Baths
    • 1,996 Sq Ft

    2778 Lakey Creek Rd, Franklin, NC 28734

    Remarkable multi-dwelling homestead w/multiple outbuildings on 60 pristine acres with LONG RANGE MOUNTAIN views from the "Balcony of Heaven (see the VIDEO!) And backed up to USFS lands! Privacy Abounds! NO Expense was spared to make this beautiful Home & Cabin safe, secure & private with seemingly endless amenities. The Main Home 3br/3.5 bath is built very strong, energy efficient, and easy to

    John Becker Bald Head Realty

    2778 Lakey Creek Rd, Franklin, NC 28734
  • /11

    $99,000

    $16K PRICE DROP
    • Land
    • 7.5 Acres
    • $13,200 per Acre

    00 Murphy Rd, Franklin, NC 28734

    Priced to sell. Seven and a half unrestricted acres with big Eastern view potential. Two bedroom septic installed. Gated property, off an easily accessed state mainteined road. There is an old well on the property, however, there is no pump and the seller has no pertanent information. Perfect property for out door living, such as four wheeling, camping , hunting. This property is also great to

    David James Evergreen Home & Land Dba Realty World Desoto Trail

    00 Murphy Rd, Franklin, NC 28734
  • /5

    $39,000

    • Land
    • 2.54 Acres
    • $15,354 per Acre

    Lot 19 Preserve Valley Rd, Nantahala, NC 28781

    Perched in an exclusive subdivision off Little Choga Road in Nantahala, this breathtaking 2.54-acre lot boasts stunning mountain views, offering an ideal setting for your dream retreat, where you can create a spacious homesite tailored to your vision of mountain serenity. Just minutes from the pristine Lake Nantahala, this property provides easy access to a wealth of outdoor activities, including

    Allison Ralph Nantahala Real Estate

    Lot 19 Preserve Valley Rd, Nantahala, NC 28781
  • /56

    $9,975,000

    New Construction
    • 7 Beds
    • 9 Baths

    1406 Falls Dr W, Highlands, NC 28741

    The ultimate in luxury and amenities in the Highlands and Cashiers area: over 9000 heated and cooled square feet, 7 bedrooms all with en-suite baths and walk-in closets, 2 half baths, 2000-bottle wine cellar, separate wine tasting room, gun/safe room, sauna/massage room, golf simulator room, workout room, theater, billiard room, bourbon tasting room/speak easy, gourmet kitchen with the highest

    Joe Deckman Highlands Sotheby's International Realty - DT

    1406 Falls Dr W, Highlands, NC 28741
  • /81

    $2,580,000

    $110K PRICE DROP
    • 4 Beds
    • 4.5 Baths

    146 Satulah Rd, Highlands, NC 28741

    Behind the iconic stone pillars of Satulah Mountain, one of Highlands’ most coveted addresses, lies a beautifully reimagined mountain cottage where timeless character meets refined modern living.Just moments from Main Street, yet tucked away in a peaceful setting, this exceptional property offers the rare luxury of strolling to Highlands’ renowned restaurants, boutiques, galleries, and the

    Patrick Gleeson Christie's International Real Estate Highlands-Cashiers

    146 Satulah Rd, Highlands, NC 28741
  • /10

    $49,900

    • Land
    • 34,848 Sq Ft
    • $62,375 per Acre

    Lot 17 Kimberly, Franklin, NC 28734

    Tiny Mountain Estates offers a blend of modern convenience and Mountain beauty, an ideal community for anyone looking to simplify, downsize, or smart investment. Here, you own your land (no lot-rent uncertainty). Each tract is served by underground power, community water, and a septic system, helping you avoid many of the upfront costs and unknowns that come with raw land. Designed with tiny

    Jon Tharp Keller Williams Realty Of Franklin

    Lot 17 Kimberly, Franklin, NC 28734
  • /11

    $29,750

    • Land
    • 1.79 Acres
    • $16,620 per Acre

    Lot 5 Corbin Rd, Franklin, NC 28734

    Discover the perfect place to build your mountain retreat on this beautiful 1.79-acre homesite in the peaceful Cedar Creek community of Franklin, NC. Featuring gently rolling terrain and mature hardwoods, this property offers the potential for stunning long-range mountain views and picturesque views overlooking Corbin Pasture with selective tree clearing. Whether you're dreaming of a full-time

    Allison MacDowell Keller Williams Realty Of Franklin

    Lot 5 Corbin Rd, Franklin, NC 28734
  • /56

    $159,000

    $10K PRICE DROP
    • 3 Beds
    • 2 Baths

    40 Garden Ln, Franklin, NC 28734

    Escape to the peace and quiet of the countryside with this charming cottage-style home on a private 1-acre lot. Offering a perfect balance of seclusion and convenience, enjoy a peaceful setting just a short drive from town. This unique property features a 3BR/2BA single-wide with a spacious great room and oversized primary suite added on. The large kitchen offers abundant cabinet space, an eat-in

    Jessica Mason Mason Peak Mountain Properties, LLC

    40 Garden Ln, Franklin, NC 28734
  • /45

    $355,000

    $10K PRICE DROP
    • 3 Beds
    • 3.5 Baths

    208 Maple St, Franklin, NC 28734

    Located inside the city limits of Franklin, this well-built brick home offers the perfect opportunity to add your personal touch while enjoying an unbeatable location just minutes from downtown. Featuring 3 bedrooms, 3.5 baths, and a spacious primary suite, this home provides a flexible floor plan with an office or bonus room ideal for working from home, hobbies, or additional guest space. The

    Jessica Mason Mason Peak Mountain Properties, LLC

    208 Maple St, Franklin, NC 28734
  • /39

    $399,000

    • 3 Beds
    • 2 Baths
    • 1,550 Sq Ft

    381 Woodcrest Cir, Franklin, NC 28734

    Franklin NC Mountain getaway home. 3 Bedrooms 2 Full baths and a full unheated/unfinished basement which includes a single car garage, laundry area, and workshop/storage. Nearly 360-degree mountain winter views. A wall of windows is in the living, kitchen, dining area which extend upwards to the vaulted ceiling allowing the mountain view inside. Plenty of storage in the kitchen with a spacious

    John Becker Bald Head Realty

    381 Woodcrest Cir, Franklin, NC 28734
  • /128

    $1,150,000

    • 4 Beds
    • 4.5 Baths
    • 5,094 Sq Ft

    198 Stonecreek Dr, Franklin, NC 28734

    WELCOME TO YOUR VERY OWN 3.32 ACRE PRIVATE PARK - 200' FRONTAGE ON LARGE CARTOOGECHAYE CREEK - FISHERMAN'S PARADISE - CATCH TROUT DIRECTLY OFF YOUR PRIVATE DECK OVERLOOKING LARGE, RUSHING CREEK - WALK DOWN YOUR PRIVATE, COMPOSITE, CROSSTIE STEPS INTO WATER WITH YOUR KAYAKS - Home has a NEW ROOF Installed May, 2025 - Huge GARAGE has large Workshop area with Full Bath and Fish Cleaning Station and

    Jackie Wilson Wilson Realty

    198 Stonecreek Dr, Franklin, NC 28734
  • /19

    $69,900

    • Land
    • 25,700 Sq Ft
    • $118,475 per Acre

    13 Little Choga Rd, Topton, NC 28781

    Nantahala Ridge Lot with a deeded Boat Slip & Mountain ViewsBuild your dream mountain getaway in the desirable gated community of Nantahala Ridge! This beautiful lot offers good mountain views and comes with a deeded boat slip, providing convenient access to enjoy the recreational opportunities of Nantahala Lake. Community water is available, making this property even more attractive for

    Jennifer Solesbee Nantahala Real Estate

    13 Little Choga Rd, Topton, NC 28781
  • /68

    $369,900

    $10K PRICE DROP
    • 2 Beds
    • 1.5 Baths

    1079 Crestview Dr, Otto, NC 28763

    **PRICE REDUCTION**MOTIVATED SELLER** This home is ready for its new owners to move in after closing without changing a single detail! Not a beat was missed during renovation and slight remodeling of this home to perfection! Located in the quiet hills of Otto, this home is perched on a knoll and provides pleasant scenery throughout all four seasons. The quality materials used including barnwood,

    Matthew Iannuzzi Unique Properties Of Franklin

    1079 Crestview Dr, Otto, NC 28763
  • /9

    $25,000

    • Land
    • 1.13 Acres
    • $22,124 per Acre

    Lot 27 Dobson Rd, Franklin, NC 28734

    This beautiful, elevated lot is ready for your dream home, with driveway in and a portion of the lot cleared. Water rights are already in place. Located in a gated community, you'll be welcomed by an elegant entrance featuring a waterfall, scenic pond, and charming signage that sets the tone for this tranquil neighborhood. Residents also enjoy access to a shared pond and gazebo—perfect for

    Evelyn Owens Keller Williams Realty Of Franklin

    Lot 27 Dobson Rd, Franklin, NC 28734
  • /15

    $53,000

    • Land
    • 2.69 Acres
    • $19,703 per Acre

    Lot 55 Highlands Pass, Franklin, NC 28734

    Come and check out this very buildable lot in the Highlands Pass development, Gated Community, Gorgeous overlook, waterfalls, hiking trails, picnic areas, bring your house plans and get ready for living in nature!

    John Pippio Re/Max Elite Realty

    Lot 55 Highlands Pass, Franklin, NC 28734

Showing Results 561 - 600, Page 15 of 18

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