Homes for Sale in 78631

• 

  

  

  /17

  $325,000

  234 Lower Reservation Rd, Harper, TX 78631

  Beautiful 18.1-acre Hill Country property with 574 feet of frontage on Lower Reservation Road in Harper, TX. The land features a newly installed gate and driveway, making access easy and convenient. Electricity is available at the road, and a 1-d-1 agricultural exemption is already in place. This tract offers classic Hill Country character with towering live oak trees, minimal cedar, and great

  Calvin Smajstrla Reno Realty Group

  234 Lower Reservation Rd, Harper, TX 78631
• 

  

  

  /8

  $299,999

  18885 Rr 479 Unit 3, Harper, TX 78631

  Long-distance Hill Country views make this property a must-see. Beautiful, mature oak trees are scattered throughout the land, which features gentle to rolling terrain and no cedar trees. Ideally located just 30 minutes from Kerrville and Fredericksburg, the ranch offers both privacy and convenience. Abundant wildlife, including axis and whitetail deer, roam the property, with hunting permitted.

  Jerry O'Hern Fore Premier Properties

  18885 Rr 479 Unit 3, Harper, TX 78631
• 

  

  

  /15

  $275,400

  • Land
  • 16.21 Acres
  • $16,991 per Acre

  1357 Legacy Oaks Dr Unit 19, Harper, TX 78631

  Lot 19 in the Legacy Oaks Ranch Subdivision offers 16.2 acres of gently rolling, highly buildable Hill Country land featuring native grasses and an exceptional stand of mature oak trees. The property is dotted with large Live Oak, Spanish Oak, Red Oak, and other hardwoods, creating both scenic beauty and ideal wildlife habitat. Additional acreage is available immediately adjacent to this tract

  Clayton Sears Real Estate Advisory Team, LLC

  

  1357 Legacy Oaks Dr Unit 19, Harper, TX 78631
• 

  

  

  /6

  $250,000

  • Land
  • 10.05 Acres
  • $24,876 per Acre

  21688 Fm 2093 Unit 7, Harper, TX 78631

  Picturesque 10+ acres consisting of rolling terrain accented by the Pedernales River along the West boundary. Gorgeous Cedar Elms and Spanish Oak line the river along with scenic limestone rock bluffs. Ag exempt. Located just 1 mile South of Harper or 20 minutes from Charming Fredericksburg. Ideal setting for your dream home or weekend fun. (Pederrnales River is typically dry in this area.)

  Scott Frantzen eXp Realty-Absolute Charm Real Estate Group

  

  21688 Fm 2093 Unit 7, Harper, TX 78631
• 

  

  

  /11

  $275,000

  • Land
  • 12 Acres
  • $22,917 per Acre

  2112 Turkey Ridge Ln, Harper, TX 78631

  Secluded hunting oasis just 3.9 miles to Harper. 12 acres with picturesque long range views and rolling hills. Property has a high pressure water well and two electric meters in place. With water and electricity already set up, start construction tomorrow. In the meantime park your own travel trailer, create an instant getaway. Create a family compound or a dream hunting getaway. Ag exemption is

  Jaylynn Perkins REALTY EXECUTIVES Kerrville

  2112 Turkey Ridge Ln, Harper, TX 78631
• 

  

  /88

  Call for Price

  • Land
  • 58.43 Acres

  20459 Fm 479, Harper, TX 78631

  Welcome to JAG Ranch, a refined 58.43 acre Hill Country estate located just outside Harper, Texas in Kimble County. Privately tucked behind extensive groves of mature trees, this low-fenced ranch offers a rare blend of luxury living, native Hill Country wildlife, and recreational amenities. The property is anchored by a classic Texas limestone residence, a fully equipped guest house, a barn for

  LandMen Team Members Texas LandMen

  20459 Fm 479, Harper, TX 78631
• 

  

  /9

  $210,000

  • 2 Beds
  • 1.5 Baths
  • 1,247 Sq Ft

  23229 Hwy 290, Harper, TX 78631

  Midcentury charmer with potential in unrestricted downtown HARPER, TX near restaurants and stores. Wood look floors, updated kitchen and bath with quaint picket fence in front and small guest house and backyard. Across from Harper schools and walking distance to Library and area attractions. Do I hear Air BnB, Landscape company, or Coffee House, Gift Store? Unlimited ideas abound!!! Come see this

  Lucy Burton CENTURY 21 The Hills Realty

  23229 Hwy 290, Harper, TX 78631
• 

  

  /40

  $1,159,150

  • Land
  • 91.17 Acres
  • $12,714 per Acre

  563 J b Rd, Harper, TX 78631

  Turnkey 91-acre ranch consisting of a lovely 3-bed, 2-bath ranch style home with a great open floor plan, with Saltillo tile floors throughout the home. Located in the heart of the Hill Country, less than 30 mi to Fredericksburg or Kerrville, this unique ranch offers the perfect blend of comfort, privacy, and natural beauty across an expansive landscape, with the wet weather Falls Prong Creek

  Clayton Sears Real Estate Advisory Team, LLC

  

  563 J b Rd, Harper, TX 78631
• 

  

  /9

  $179,000

  • Land
  • 5 Acres
  • $35,800 per Acre

  0 McVea Woods Rd Off S Ranch Road 783 Unit 11630489, Kerrville, TX 78028

  Stunning 5 Acres in Sought-After Loma Vista Gated Hill Country Community Welcome to Loma Vista, an exclusive gated community in the heart of the Texas Hill Country. This beautiful 5-acre tract offers stunning views, peaceful surroundings, and an unbeatable location near Kerrville, Fredericksburg, and Bandera just 30 minutes to an hour from San Antonio. *Property Features: Gorgeous raw land with

  Becca Vizza Ranch King Realty LLC

  0 McVea Woods Rd Off S Ranch Road 783 Unit 11630489, Kerrville, TX 78028
• 

  

  /18

  $272,000

  • Land
  • 7.5 Acres
  • $36,267 per Acre

  00 N Brooklyn Dr Unit 35, Harper, TX 78631

  Awesome 7.5 +/- Acres, The Newest Gated Community "The HIDEOUT RANCH" Level, Great Views. Hardwood Trees. Test Water Well On site, 750' Trinity, Just needs a pump installed. Quotes & test data available from Well Company. Capable of producing 10 - 15 GPM easily. 1,600 SF min. build requirement. Guest house, additional garages, Barndominiums allowed. Personal livestock are permitted. Camping is

  Randy Purswell Fore Premier Properties

  00 N Brooklyn Dr Unit 35, Harper, TX 78631
• 

  

  /47

  $750,000

  • Land
  • 57.16 Acres
  • $13,121 per Acre

  2165 Farm To Market 479 Unit 10, Harper, TX 78631

  This 57.16-acre ranch is located west of Harper and northwest of Kerrville near the county line in northwestern Kerr County and offers a blend of ranch land and recreational appeal. The property currently benefits from an agricultural tax exemption and can be maintained through your own ranching operation or by allowing a neighboring rancher to continue rotating livestock on the land. With

  Neel Reeh Real Estate Advisory Team, LLC

  

  2165 Farm To Market 479 Unit 10, Harper, TX 78631
• 

  

  /90

  $995,000

  • Land
  • 44.94 Acres
  • $22,141 per Acre

  Highway 479, Harper, TX 78631

  Located off highway 479 in the highly desired Harper area is this extremely unique property with a year around spring fed draw and big views. Selective clearing has exposed large live oak trees and lots of grass. This property is ag-exempt and comes with a blind and feeder set up and ready to hunt. Cleared and ready for someone to build and enjoy all the Hill Country has to offer.Priced

  Trey Sullivan Trey Sullivan Real Estate

  Highway 479, Harper, TX 78631
• 

  

  /20

  $285,000

  • Land
  • 6.12 Acres
  • $46,569 per Acre

  Lot 52 Brooklyn Dr Unit 52, Harper, TX 78058

  Discover peace and tranquility on one of the finest lots in The Hideout Ranch. Nestled in the far northwest corner of the subdivision, this private, picturesque 6.12-acre ag-exempt lot features stunning views from a gently rolling landscape adorned with mature hardwoods. An existing 720' well, as well as underground utilities to include electricity and fiber optic, are already in place,

  Dorys Prentice Fore Premier Properties

  Lot 52 Brooklyn Dr Unit 52, Harper, TX 78058
• 

  

  /45

  $999,975

  • 2 Beds
  • 1 Bath
  • 936 Sq Ft

  3527 Stapp Ranch Rd, Harper, TX 78631

  Neat, well-built cabin with great hunting and long-range views! The cabin and related improvements create the ambiance you desire when enjoying your ranch. It sits on a high point and offers distant views of the surrounding country. The ranch is located west of Harper and less than 1.5 hours from San Antonio and 2 hours from Austin. An automatic entry gate and a well-maintained entry road

  Neil Schneider Whitetail Properties Real Estate

  3527 Stapp Ranch Rd, Harper, TX 78631
• 

  

  /11

  $175,000

  • Land
  • 3.01 Acres
  • $58,120 per Acre

  LOT 130 Dillon Ridge Dr, Kerrville, TX 78028

  This 3.011-acre Hill Country homesite is located in Loma Vista Ranch, a gated acreage community near Kerrville offering paved roads, large tracts, and elevated views. The property features a wide, usable building area near the road, ideal for a custom home, shop, and outdoor living space. The lot sits at higher elevation with long-range valley and Hill Country views, while mature oak and cedar

  Catherine Kling eXp Realty LLC / Tinsley Realty Group

  LOT 130 Dillon Ridge Dr, Kerrville, TX 78028
• 

  

  /38

  $232,000

  • Land
  • 17.83 Acres
  • $13,012 per Acre

  1632 Link Unit 4, Doss, TX 78618

  Seeking an UNRESTRICTED slice of Hill Country paradise? Welcome to your future oasis in Doss, TX. This stunning property offers flexible purchase options—available as 10 or 20-acre tracts—making it ideal for investors, homesteaders, or recreational buyers alike. The land is beautifully wooded with mature live oaks, post oaks, Spanish oaks, and cedar, all set among native grasses. The terrain

  Mimi Bartel & Adam Carroll Fore Premier Properties

  

  1632 Link Unit 4, Doss, TX 78618
• 

  

  /38

  $135,509

  • Land
  • 10.08 Acres
  • $13,450 per Acre

  1632 Link Unit 9, Doss, TX 78618

  Seeking an UNRESTRICTED slice of Hill Country paradise? Welcome to your future oasis in Doss, TX. This stunning property offers flexible purchase options—available as 10 or 20-acre tracts—making it ideal for investors, homesteaders, or recreational buyers alike. The land is beautifully wooded with mature live oaks, post oaks, Spanish oaks, and cedar, all set among native grasses. The terrain

  Mimi Bartel & Adam Carroll Fore Premier Properties

  

  1632 Link Unit 9, Doss, TX 78618
• 

  

  /38

  $134,500

  • Land
  • 10.01 Acres
  • $13,433 per Acre

  1632 Link Unit 3, Doss, TX 78618

  Seeking an UNRESTRICTED slice of Hill Country paradise? Welcome to your future oasis in Doss, TX. This stunning property offers flexible purchase options—available as 10 or 20-acre tracts—making it ideal for investors, homesteaders, or recreational buyers alike. The land is beautifully wooded with mature live oaks, post oaks, Spanish oaks, and cedar, all set among native grasses. The terrain

  Mimi Bartel & Adam Carroll Fore Premier Properties

  

  1632 Link Unit 3, Doss, TX 78618
• 

  

  /38

  $134,500

  • Land
  • 10.02 Acres
  • $13,430 per Acre

  1632 Link Unit 1, Doss, TX 78618

  Seeking an UNRESTRICTED slice of Hill Country paradise? Welcome to your future oasis in Doss, TX. This stunning property offers flexible purchase options—available as 10 or 20-acre tracts—making it ideal for investors, homesteaders, or recreational buyers alike. The land is beautifully wooded with mature live oaks, post oaks, Spanish oaks, and cedar, all set among native grasses. The terrain

  Mimi Bartel & Adam Carroll Fore Premier Properties

  

  1632 Link Unit 1, Doss, TX 78618
• 

  

  /38

  $134,500

  • Land
  • 10.02 Acres
  • $13,422 per Acre

  1632 Link Unit 7, Doss, TX 78618

  Seeking an UNRESTRICTED slice of Hill Country paradise? Welcome to your future oasis in Doss, TX. This stunning property offers flexible purchase options—available as 10 or 20-acre tracts—making it ideal for investors, homesteaders, or recreational buyers alike. The land is beautifully wooded with mature live oaks, post oaks, Spanish oaks, and cedar, all set among native grasses. The terrain

  Mimi Bartel & Adam Carroll Fore Premier Properties

  

  1632 Link Unit 7, Doss, TX 78618
• 

  

  /3

  $135,000

  • Land
  • 3.05 Acres
  • $44,262 per Acre

  000 Dekoch Ridge Unit 123, Kerrville, TX 78028

  Great Price and Great Building site in the fabulous Loma Vista Ranch subdivision.

  Ardie Vargas CENTURY 21 The Hills Realty

  000 Dekoch Ridge Unit 123, Kerrville, TX 78028
• 

  

  /38

  $134,500

  • Land
  • 10.01 Acres
  • $13,433 per Acre

  1632 Link Unit 6, Doss, TX 78618

  Seeking an UNRESTRICTED slice of Hill Country paradise? Welcome to your future oasis in Doss, TX. This stunning property offers flexible purchase options—available as 10 or 20-acre tracts—making it ideal for investors, homesteaders, or recreational buyers alike. The land is beautifully wooded with mature live oaks, post oaks, Spanish oaks, and cedar, all set among native grasses. The terrain

  Mimi Bartel & Adam Carroll Fore Premier Properties

  

  1632 Link Unit 6, Doss, TX 78618
• 

  

  /38

  $159,665

  • Land
  • 11.87 Acres
  • $13,450 per Acre

  1632 Link Unit 12, Doss, TX 78618

  Seeking an UNRESTRICTED slice of Hill Country paradise? Welcome to your future oasis in Doss, TX. This stunning property offers flexible purchase options—available as 10 or 20-acre tracts—making it ideal for investors, homesteaders, or recreational buyers alike. The land is beautifully wooded with mature live oaks, post oaks, Spanish oaks, and cedar, all set among native grasses. The terrain

  Mimi Bartel & Adam Carroll Fore Premier Properties

  

  1632 Link Unit 12, Doss, TX 78618
• 

  

  /38

  $255,000

  • Land
  • 20 Acres
  • $12,750 per Acre

  1632 Link, Doss, TX 78618

  Seeking an UNRESTRICTED slice of Hill Country paradise? Welcome to your future oasis in Doss, TX. This stunning property offers flexible purchase options—available as 10 or 20-acre tracts—making it ideal for investors, homesteaders, or recreational buyers alike. The land is beautifully wooded with mature live oaks, post oaks, Spanish oaks, and cedar, all set among native grasses. The terrain

  Mimi Bartel & Adam Carroll Fore Premier Properties

  

  1632 Link, Doss, TX 78618
• 

  

  /3

  $210,000

  • Land
  • 10.01 Acres
  • $20,979 per Acre

  18043 Farm To Market 479, Harper, TX 78631

  A blank canvas other than some vintage oaks trees that will provide an ideal setting for your new home. There is a bit of elevation so you will have some views. Area along 479 would make a nice coastal bermuda pasture for your horse or a few cattle. Electric is on site, Property is fenced on 2 sides, currently has ag exemption. Some restrictions will be in place, but you can bring in a new mobile

  Dennis Kusenberger RE/MAX Town & Country

  

  18043 Farm To Market 479, Harper, TX 78631
• 

  

  /30

  $1,450,000

  • 3 Beds
  • 2 Baths
  • 1,908 Sq Ft

  315 Rieger Rd, Harper, TX 78631

  Tremendous all-around property offering a turn-key ranch with a Historic 3 Br/ 2 Ba Rock Home, built in 1939 accented by numerous outbuildings offering plenty of storage for implements, atvs, etc. Also included is a 3 Br/ 2B guest home, built in 1980, with a detached insulated 3 car garage that also would make an ideal workshop. Nice views from the homes overlooking the Tx Hill Country. 2 Water

  Scott Frantzen eXp Realty-Absolute Charm Real Estate Group

  

  315 Rieger Rd, Harper, TX 78631
• 

  

  /31

  $320,000

  • Land
  • 7.55 Acres
  • $42,401 per Acre

  Lot 13 Pitre Springs Rd Unit 13, Kerrville, TX 78028

  This beautiful 7.54-acre AG exempt property in the gated Loma Vista Ranch community offers expansive Hill Country scenery and the space to create your ideal retreat. A 600' well is already in place, adding significant value for future development. The cleared property features multiple ideal build sites, allowing flexibility to design and build to suit your needs. Located just minutes from

  Dorys Prentice Fore Premier Properties

  Lot 13 Pitre Springs Rd Unit 13, Kerrville, TX 78028
• 

  

  /10

  $1,695,000

  • Land
  • 157 Acres
  • $10,796 per Acre

  18043 Farm To Market 479, Harper, TX 78631

  Long time family ranch, located on RR 479 only 8 miles to downtown Harper and within the Harper ISD. Straight property lines, rectangular shape and perimeter fenced, this gently rolling acreage has nice coverage of oaks, very little cedar and several building sites with some excellent views. Not extremely rocky and there are two old abandoned field areas. There are three draws that transverse the

  Dennis Kusenberger RE/MAX Town & Country

  

  18043 Farm To Market 479, Harper, TX 78631
• 

  

  /14

  $399,500

  • 3 Beds
  • 1 Bath
  • 1,480 Sq Ft

  371 Kimble Oaks Dr, Harper, TX 78631

  Looking for a project? Then this is the one for you. Estimated to be 1930ish construction that awaits your makeover. Secluded setting between some heritage oaks is where you can breathe some new beginnings into this classic home. Behind the home is a 3 car garage/workshop area that has an upstairs that can be a guest area or man cave. Several old outbuildings, a cowboy pool, electronic operated

  Dennis Kusenberger RE/MAX Town & Country

  

  371 Kimble Oaks Dr, Harper, TX 78631
• 

  /2

  $1,395,000

  • Land
  • 136.98 Acres
  • $10,184 per Acre

  17987 Farm To Market 479, Harper, TX 78631

  In addition to being an ideal recreation tract with minimal restrictions, there are also multiple building sites, several of which have nice views. Electric service runs along FM 479 and also along the majority of the length of the tract from east/west line. Ag exemption is in place with a month to month grazing lease. There are several ravines which could be developed into pond sites. While

  Dennis Kusenberger RE/MAX Town & Country

  

  17987 Farm To Market 479, Harper, TX 78631
• 

  

  /19

  $249,000

  • Land
  • 13.6 Acres
  • $18,309 per Acre

  0 Legacy Oaks Dr Unit 25891432, Harper, TX 78631

  Discover 13.6 acres in Legacy Oaks Ranch, a gated, acreage community in the heart of the Texas Hill Country near Harper. This perimeter lot offers rolling terrain, water capture system, deer feeder, mature native oaks, and wide Hill Country views-ideal for a full-time residence or weekend retreat. Rifle hunting is permitted, making this property well-suited for recreational enjoyment. Legacy Oaks

  Laura Cooper eXp Realty Land & Ranch

  0 Legacy Oaks Dr Unit 25891432, Harper, TX 78631
• 

  

  /47

  $350,000

  • 3 Beds
  • 1.5 Baths
  • 1,428 Sq Ft

  92 Turkey Dr, Harper, TX 78631

  Discover Hill Country living on this beautiful .48-acre property featuring charm, space, and practical amenities throughout. This inviting 3-bedroom, 1.5-bath home offers a spacious layout, a generous living room provides plenty of space for comfort and everyday living, a large kitchen with an oversized island-perfect for cooking, entertaining, or gathering with friends. The kitchen opens

  Carrie Partridge Connect Realty.com

  92 Turkey Dr, Harper, TX 78631
• 

  

  /17

  $249,000

  • Land
  • 13.6 Acres
  • $18,309 per Acre

  LOT 22 Legacy Oaks Dr, Harper, TX 78631

  Discover 13.6 acres in Legacy Oaks Ranch! Build 2 Single Family Homes + 2 Guest houses on each parcel here, ask for guidelines. Taxes are less than $50/year, wildlife exemption! Don't miss your chance at this limited availability, gated, acreage community in the heart of the Texas Hill Country near Harper. Rifle hunting allowed on this perimeter lot with rolling terrain, water capture system,

  Laura Cooper eXp Realty LLC

  LOT 22 Legacy Oaks Dr, Harper, TX 78631
• 

  

  /22

  $150,000

  • Land
  • 6.3 Acres
  • $23,821 per Acre

  Lot 12 Turn Out Ln, Harper, TX 78631

  Discover your Texas Hill Country getaway on Lot 12 Turn Out Lane in Harper, TX 78631. This 6.297 acre homesite sits at the end of a quiet cul de sac inside the gated Maverick Ranch community in Gillespie County, served by Harper ISD. Underground utilities are in place and CTEC electricity is already on site, making it easy to start planning your custom build, weekend ranch retreat, or future

  Ryan Rendon Fore Premier Properties

  Lot 12 Turn Out Ln, Harper, TX 78631
• 

  

  /22

  $150,000

  • Land
  • 6.3 Acres
  • $23,821 per Acre

  Lot 12 Turn Out Ln Unit 12, Harper, TX 78631

  Discover your Texas Hill Country getaway on Lot 12 Turn Out Lane in Harper, TX 78631. This 6.297 acre homesite sits at the end of a quiet cul-de-sac inside the gated Maverick Ranch community in Gillespie County, served by Harper ISD. Underground utilities are in place and CTEC electricity is already on site, making it easy to start planning your custom build, weekend ranch retreat, or future

  Ryan Rendon Fore Premier Properties

  Lot 12 Turn Out Ln Unit 12, Harper, TX 78631
• 

  

  /8

  $260,000

  • Land
  • 12 Acres
  • $21,667 per Acre

  TBD Crooked Tree Cir, Harper, TX 78631

  Beautiful 12 acre property in a double gated community just outside of Harper and about 45 min from Fredericksburg. Find your peace and quiet serenity and OWN it! Electricity available at the street. Lots of native trees, cacti and wild life. Submerge yourself in the hill country!

  Gwena Margolis Realty of America, LLC

  TBD Crooked Tree Cir, Harper, TX 78631
• 

  

  /5

  $249,000

  • Land
  • 11 Acres
  • $22,636 per Acre

  10 S Ranch Road 783, Harper, TX 78631

  11 Acres in the Heart of Texas Hill Country. Imagine your Dream home with whitetail and exotic deer, plus Native Wildlife, roaming your ranch. (Hunting is allowed. Deer season has started.) The property currently has low AG-exempt taxes. Your Ranch has nice Oak Trees and great topsoil for Horses or Cattle. Just a few minutes to Harper, TX., & under 15 minutes to Kerrville, TX. & about 30 Minutes

  Wiley Cloud Texas Hill Country Realty Co.

  10 S Ranch Road 783, Harper, TX 78631
• 

  

  /98

  $1,195,000

  • Land
  • 20.05 Acres
  • $59,601 per Acre

  21789 Fm 2093, Harper, TX 78631

  Located just south of Harper, this 20 acre Hill Country homestead offers a rare blend of privacy, thoughtful improvements, and exceptional access. The property sits minutes from the amenities, cafes, and grocery options in Harper, with Fredericksburg-one of Texas's premier destinations for dining, wineries, and shopping -just an easy drive to the east. Also a short drive to the south is access to

  Joey Bellington Whitetail Properties Real Estate

  21789 Fm 2093, Harper, TX 78631
• 

  

  /101

  $1,195,000

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

  21789 Farm To Market Road 2093, Harper, TX 78631

  Located just south of Harper, this 20 acre Hill Country homestead offers a rare blend of privacy, thoughtful improvements, and exceptional access. The property sits minutes from the amenities, cafs, and grocery options in Harper, with Fredericksburg one of Texas's premier destinations for dining, wineries, and shopping just an easy drive to the east. Also a short drive to the south is access to

  Joey Bellington Whitetail Properties Real Estate

  21789 Farm To Market Road 2093, Harper, TX 78631
• 

  

  /21

  $369,000

  • 3 Beds
  • 2 Baths
  • 1,512 Sq Ft

  88 Wendel Rd, Harper, TX 78631

  Discover 7.8 unrestricted acres offering endless possibilities—ideal for homesteading, horses, and 4-H projects.The property features a 1512 sf, 3-bedroom, 2-bath manufactured home set on level, usable land, making the entire acreage easily accessible. 360 sf covered, relaxing front porch. Plenty of room for a barn, workshop or whatever your vision requires. Enjoy the freedom of country living

  Lisa Koenig Hill Country Luxury Living

  88 Wendel Rd, Harper, TX 78631

Showing Results 81 - 120, Page 3 of 9