Homes for Sale in 28445

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  /6

  $260,000

  • Land
  • 4.24 Acres
  • $61,321 per Acre

  0000 Hines Stump Sound Church Rd, Holly Ridge, NC 28445

  Opportunity awaits in Holly Ridge! This 4.24 acre tract sits just outside of the city limits within the Holly Ridge ETJ and is zoned R-offering flexible residential developement. With the potenital to be subdivided into four buildable lots, it's an ideal opportunity. A recent soil scientist report is available. Enjoy the peace of a rural setting while being mintues away from Surf City, Topsail

  Olivia Morris Fathom Realty NC LLC

  0000 Hines Stump Sound Church Rd, Holly Ridge, NC 28445
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  /50

  $399,900 New Construction

  • 3 Beds
  • 2 Baths
  • 1,579 Sq Ft

  325 N Dyson St, Holly Ridge, NC 28445

  Welcome to your coastal dream! This beautifully finished Cape Cottage style coastal home in the heart of growing Holly Ridge is ready to be yours! Built by Swan Song Properties, led by respected Steve and Sara Dutton, this thoughtfully designed residence showcases quality craftsmanship and carefully curated details that set it apart from traditional new construction. Offering over 1500 sq ft,

  Desiree Taron Coldwell Banker Sea Coast Advantage Rlty

  325 N Dyson St, Holly Ridge, NC 28445
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  /57

  $489,000

  • 5 Beds
  • 3 Baths
  • 2,476 Sq Ft

  153 Poplar Branch Way, Hampstead, NC 28443

  Embrace Coastal Living in this Spacious Family Home! Just minutes from sun-kissed beaches, imagine biking to the local parks, savoring local cuisine, and enjoying vibrant entertainment. This stunning 5-bedroom, 3-bath home offers an open-concept design, perfect for modern living. It features a downstairs master bedroom with additional downstairs bedrooms. Upstairs you will find two more bedrooms

  Shawn Mcclellan Coldwell Banker Sea Coast Advantage-Hampstead

  153 Poplar Branch Way, Hampstead, NC 28443
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  /57

  $599,000

  • 4 Beds
  • 3 Baths
  • 2,564 Sq Ft

  310 Lightning Bug Ln, Holly Ridge, NC 28445

  Step into coastal elegance at 310 Lightning Bug Lane, nestled in the sought-after gated community of Summerhouse on Everett Bay. This immaculately maintained four-bedroom, three-bath home blends timeless style with modern comfort in an open, light-filled floor plan designed for both everyday living and effortless entertaining. Inside, you'll find thoughtful architectural details including tray

  Rasa Love RE/MAX Essential

  310 Lightning Bug Ln, Holly Ridge, NC 28445
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  /40

  $860,000 New Construction

  • 4 Beds
  • 4.5 Baths
  • 2,140 Sq Ft

  704 N New River Dr, Surf City, NC 28445

  COME VIEW THIS NEW CONSTRUCTION WITH 4 BEDROOMS, 4.5 BATHS WITH AN ELEVATOR. THIS PROPERY WILL BOAST GRANITE COUNTERTOPS, LVP FLOORING, FLAT TRIM INTERIOR. LOCATED WITHIN WALKING DISTANCE TO RESTAURANTS AND PUBS IN SURF CITY. DEEDED BEACH AND SOUND EASEMENTS. GREAT PERMANENT HOME. SECOND HOME, AND WILL OFFER GREAT RENTAL INCOME POTENTIAL.

  Linda Manning Carolina Real Estate

  704 N New River Dr, Surf City, NC 28445
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  /61

  $1,050,000

  • 4 Beds
  • 3 Baths
  • 2,184 Sq Ft

  2305 S Shore Dr, Surf City, NC 28445

  Second row home with protected ocean and sound views, an elevator for ease of living in this three story beach house. Never rented, well maintained, and in pristine condition. There's a private beach access just across the street on oceanfront. A total of 4 bedrooms, 3 full baths featuring an updated gourmet kitchen (2024) with quartz countertops and new KitchenAid appliances, a open living area

  Sandy Ledbetter Intracoastal Realty Corp.

  2305 S Shore Dr, Surf City, NC 28445
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  /53

  $875,000

  • 4 Beds
  • 4 Baths
  • 1,997 Sq Ft

  825 N New River Dr Unit B, Surf City, NC 28445

  Welcome to your Soundside Oasis! This modern luxury townhouse comes fully furnished and is located in the heart of Surf City. With gorgeous sound views and private beach access, this townhouse makes beach living easy. Currently a successful five star short-term rental, it's the perfect blend of coastal comfort and investment potential. No detail was missed. The spacious open-concept living and

  Joseph Dalton Dalton Realty

  825 N New River Dr Unit B, Surf City, NC 28445
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  /7

  $65,500

  • Land
  • 0.16 Acre
  • $409,375 per Acre

  157 Whispering Pine Ln, Holly Ridge, NC 28445

  Build your dream coastal home located in the premier Summerhouse on Everett Bay community. This spacious homesite offers the perfect opportunity to design and build your custom home in one of coastal North Carolina's most sought-after gated waterfront communities. Set among beautiful homes and mature coastal landscaping, this lot provides the ideal setting for your new construction vision —

  Bizz Baker Better Homes and Gardens Real Estate Treasure

  157 Whispering Pine Ln, Holly Ridge, NC 28445
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  /45

  $387,900

  • 4 Beds
  • 2.5 Baths
  • 2,303 Sq Ft

  215 Chalet Rd, Holly Ridge, NC 28445

  Up to $6,000 in buyer incentives! $4,000 seller credit + $2,000 lender credit available with preferred lender. Thoughtfully Updated and Exceptionally Charming Coastal HomeLocated in the desirable Reserve at Holly Ridge, this beautifully maintained 4bed, 2.5 bath home offers a refined blend of comfort, quality, and coastal style. Carefully chosen updates and functional improvements make this

  Tiffany Hudson Coastal Realty Associates LLC

  215 Chalet Rd, Holly Ridge, NC 28445
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  /62

  $670,714

  • 3 Beds
  • 2 Baths
  • 1,466 Sq Ft

  714 Ocean Blvd, Topsail Beach, NC 28445

  In the heart of the Topsail Beach business district sits this 3-bedroom, 2-bath classic beach home, a true vintage representation of old-school island living. Surrounded by restaurants, shopping, entertainment, and local markets, the accessibility alone sets this property apart for both personal enjoyment and rental appeal.Enjoy close proximity to Serenity Point and the Jolly Roger Pier,

  Joe Zuba Coldwell Banker Sea Coast Advantage

  714 Ocean Blvd, Topsail Beach, NC 28445
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  /27

  $649,500

  • 2 Beds
  • 1 Bath
  • 720 Sq Ft

  417 N Shore Dr, Surf City, NC 28445

  Coastal charm meets modern comfort at this active Airbnb with easy access to the beach! You must see this beautifully updated 2 BR, 1 BA coastal cottage perfectly positioned to capture all that Surf City has to offer. Relax and rock your cares away on the wrap around front porch, where ocean breezes blow and sounds of waves set the tone for your stay. Inside you'll find inviting coastal decor and

  Michelle Quinn Berkshire Hathaway HomeServices Carolina Premier Properties

  417 N Shore Dr, Surf City, NC 28445
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  /62

  $549,990 New Construction

  • 3 Beds
  • 3 Baths
  • 2,117 Sq Ft

  161 Twining Rose Ln, Holly Ridge, NC 28445

  Coastal charm meets resort style living! The Stanley Martin Mainland II offers a thoughtful, first floor focused layout for comfort and flexibility. The primary suite sits on the main level and features an ensuite bath and spacious closet. On the main floor also enjoy an open kitchen, living, and dining area ideal for hosting and everyday living, along with two additional bedrooms, a full

  Catherine Buttine Destination Realty Corporation, LLC

  161 Twining Rose Ln, Holly Ridge, NC 28445
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  /23

  $283,930 New Construction

  • 3 Beds
  • 2.5 Baths
  • 1,373 Sq Ft

  229 Senna Dr, Holly Ridge, NC 28445

  Welcome to the Watercrest at the Townhomes at Gateway Commons in Holly Ridge, an incredible opportunity to own near the coast while the area continues to grow. This 3-bedroom, 2.5-bath townhome offers a spacious open-concept main level with durable LVP flooring, a modern kitchen overlooking the living area, and plenty of room for entertaining or relaxing after a day at the beach. Upstairs

  Megan Ingram Dream Finders Realty LLC

  229 Senna Dr, Holly Ridge, NC 28445
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  /86

  $799,000

  • 3 Beds
  • 3 Baths
  • 2,700 Sq Ft

  Unlisted Address

  566 Moss Lake Lane captures Summerhouse living at its finest -- a stunning custom-built home, thoughtfully designed, meticulously maintained, and perfectly positioned with unobstructed views of Moss Lake. This home was intentionally designed for seamless four-season indoor-outdoor living. The main living area flows effortlessly into a spectacular four-season room, where a wall of windows fills

  Nancy Hays Coldwell Banker Sea Coast Advantage

  Unlisted Address
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  /42

  $969,000 New Construction

  • 4 Beds
  • 4.5 Baths
  • 2,172 Sq Ft

  717 N New River Dr Unit B, Surf City, NC 28445

  A $10,000 builder/seller credit now being offered on new construction townhome with water views in Surf City This new construction 4 bedroom, 4.5 bath townhome offers sound views and a highly desirable island location within walking distance to beach access, dining, and shopping. Designed for low-maintenance ownership and strong rental appeal, the property features an open-concept layout,

  Bizz Baker Better Homes and Gardens Real Estate Treasure

  717 N New River Dr Unit B, Surf City, NC 28445
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  /31

  $800,000

  • 3 Beds
  • 3 Baths
  • 1,315 Sq Ft

  819 S Topsail Dr, Surf City, NC 28445

  Imagine a coastal retreat with front-row views of the Intracoastal Waterway and unforgettable sunsets. Set on an expansive 1.34-acre soundfront lot, enjoy a daily spectacle of passing boats and the iconic Surf City bridge illuminating the horizon. Inside, the spacious kitchen features stainless steel appliances and a custom wood floor that opens to the main living area, where vaulted ceilings and

  Christina Howard Coldwell Banker Sea Coast Advantage-Hampstead

  819 S Topsail Dr, Surf City, NC 28445
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  /21

  $304,900 New Construction

  • 4 Beds
  • 2.5 Baths
  • 1,876 Sq Ft

  214 Sandpiper Place, Sneads Ferry, NC 28460

  **COMPLETED NEW CONSTRUCTION** Offering $2,000 USE AS YOU CHOOSE, REFRIGERATOR, and a FENCE!! Located just 4 miles from the back gate of Camp Lejeune and minutes from Topsail's beaches, restaurants, and all things Sneads Ferry, this 1,876 sq ft townhome offers the easy coastal lifestyle you've been looking for. Inside, you'll find an open layout with a primary suite on the main level, an attached

  Kylie Parkhurst Better Homes and Gardens Real Estate Treasure

  214 Sandpiper Place, Sneads Ferry, NC 28460
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  /41

  $319,999 New Construction

  • 3 Beds
  • 2.5 Baths
  • 1,418 Sq Ft

  116 N Grassland Rd Unit Th 17, Surf City, NC 28445

  Welcome to 116 N. Grassland Road located in our Waterside community in Surf City, North Carolina. The Pearson floor plan is a 3-bedroom, 2.5-bath, 1,418 sq ft gem that combines modern convenience with style and charm. Step inside and discover a bright and airy open floor plan designed for both relaxing and entertaining. The kitchen is a showstopper with granite countertops, stainless steel

  D.R. Horton Builder

  116 N Grassland Rd Unit Th 17, Surf City, NC 28445
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  /34

  $337,500

  • 3 Beds
  • 2 Baths
  • 1,559 Sq Ft

  229 Red Carnation Dr, Holly Ridge, NC 28445

  Welcome to 229 Red Carnation Drive! Situated on a wide corner lot in one of Holly Ridge's most desirable neighborhoods, this charming 3-bedroom, 2-bath home features a split floor plan for added privacy and vaulted ceilings that enhance the spacious layout. A flexible bonus room can serve as a 4th bedroom, office, or guest space. Enjoy grilling and relaxing in the spacious backyard—perfect for

  Cathy Seck RE/MAX Executive

  229 Red Carnation Dr, Holly Ridge, NC 28445
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  /2

  $2,000,000 Coming Soon

  • 8 Beds
  • 5 Baths
  • 4,400 Sq Ft

  1617 S Shore Dr, Surf City, NC 28445

  This stunning 2024-built 8-bedroom, 5-bathroom beach home sits in a prime second-row location in Surf City, with public beach access just steps away. Fully furnished and immediately rental-ready, the property offers approximately 4,400 square feet of modern coastal luxury that comfortably sleeps 24 guests. Thoughtfully designed for high-performing short-term rentals, it features a private

  Team KBT Realty Keller Williams Innovate-KBT

  1617 S Shore Dr, Surf City, NC 28445
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  /46

  $425,000 Coming Soon

  • 4 Beds
  • 2.5 Baths
  • 2,325 Sq Ft

  406 Anchor Hitch Ct, Sneads Ferry, NC 28460

  Welcome to 406 Anchor Hitch Ct. in the sought-after Oyster Landing community of Sneads Ferry--where coastal convenience meets modern comfort. This spacious 4-bedroom, 2.5-bath home offers a thoughtfully designed layout with an open-concept main living area, perfect for everyday living and entertaining. The heart of the home features a large kitchen island, white cabinetry, quartz countertops,

  Alex Morrison Johns Century 21 Coastal Advantage

  406 Anchor Hitch Ct, Sneads Ferry, NC 28460
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  /70

  $799,900 Open Fri 4PM - 6PM

  • 3 Beds
  • 2 Baths
  • 1,527 Sq Ft

  9105 W 9th St, Surf City, NC 28445

  Boater's dream in Surf City with private boat ramp! This turnkey 3 bedroom, 2 full bath, canal front home is fully equipped for year round living on the water, a vacation home or as an investment property. Featuring a boat lift, jet ski floater, 4 pilings for an additional lift and a private boat ramp, you'll have unmatched convenience with direct access from your backyard. Bring your boat or jet

  Taylor Reed Coldwell Banker Sea Coast Advantage

  9105 W 9th St, Surf City, NC 28445
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  /18

  $269,900

  • 2 Beds
  • 1 Bath
  • 950 Sq Ft

  431 Morris Landing Rd, Holly Ridge, NC 28445

  BACK on MARKET . Funding fell through Completely Remodeled Charming Cottage in The Village at Morris Landing - 5 Minutes from the Beach! Be the first to own in The Village at Morris Landing, a brand-new 17-home coastal community in Holly Ridge, NC. This charming, renovated 1000 sq. ft. cottage-style home offers the perfect blend of comfort, style, and low-maintenance living--all just 5 minutes

  Pete Mairs Jason Mitchell Real Estate

  431 Morris Landing Rd, Holly Ridge, NC 28445
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  /26

  $265,000

  • 3 Beds
  • 2.5 Baths
  • 1,572 Sq Ft

  409 Vandemere Ct, Holly Ridge, NC 28445

  This turn-key townhouse offers the ideal balance of coastal access and everyday convenience, perfectly positioned in Holly Ridge- just minutes from Topsail Island beaches and Camp Lejeune. Inside, a bright, open-concept main level provides a functional- yet refined living space, ideal for both relaxing after long days and entertaining with ease. The kitchen features stainless steel appliances,

  Ashley Polk BlueCoast Realty Corporation

  409 Vandemere Ct, Holly Ridge, NC 28445
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  /5

  $135,000

  111 N New River Dr Unit I21, Surf City, NC 28445

  Dry Slip I21 at Topsail Island Yacht Club is on the second level and the dimensions are 35 feet long, 9 feet 6 inches wide, 10 feet 9 inches high. The slip can handle a maximum weight of 10,000 pounds. This is the largest roofed dry slip in the area. Take the worry out of boating. The staff will take care of launching and retrieving your boat while you relax on the spacious decks or lounge by the

  Hunter Tayloe Island Real Estate, Inc.

  111 N New River Dr Unit I21, Surf City, NC 28445
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  /36

  $579,000 Open Sat 11AM - 1PM

  • 3 Beds
  • 2 Baths
  • 930 Sq Ft

  610 N Topsail Dr, Surf City, NC 28445

  Lil Nauti -- 610 N Topsail Dr. speaks North Carolina coastal living at its best. Situated in Surf City between two beach access points on the third row, Lil Nauti, is a cozy, completely renovated historic coastal cottage on a spacious lot. The home features a deeded access to North Shore Dr. for more convenient beach access. The large lot provides ample parking for multiple vehicles, a golf cart,

  Spencer Weston Berkshire Hathaway HomeServices Carolina Premier Properties

  610 N Topsail Dr, Surf City, NC 28445
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  /10

  $969,000 New Construction

  • 4 Beds
  • 4.5 Baths
  • 2,172 Sq Ft

  918-721 N New River Dr, Surf City, NC 28445

  Come view this new construction 4 bedroom, 4.5 bath, with elevator. This property will boast granite counter tops, LVP flooring, flat trim interior. Property is located walking distance from restaurants and pubs in Surf City. Beach and sound easement. Great permanent home, or second home, and will offer great rental income potential.

  Jim Cornelison Carolina Real Estate

  918-721 N New River Dr, Surf City, NC 28445
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  /50

  $319,999 New Construction

  • 3 Beds
  • 2.5 Baths
  • 1,418 Sq Ft

  136 N Grassland Rd Unit 7, Surf City, NC 28445

  New Townhome Construction in Surf City!Waterside Townhomes are now available, offering the perfect blend of coastal living and modern convenience. The Pearson floor plan is a thoughtfully designed two-story townhome featuring a single-car garage and open-concept main living area—ideal for entertaining or everyday living. The kitchen overlooks the dining and living spaces and is equipped with

  Team D.R. Horton D.R. Horton, Inc

  136 N Grassland Rd Unit 7, Surf City, NC 28445
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  /67

  $860,000 New Construction

  • 3 Beds
  • 2.5 Baths
  • 2,174 Sq Ft

  209 Shell Rd Unit 3b, Surf City, NC 28445

  Don't miss this perfect opportunity to own a piece of Island Paradise!! Coastal elegance awaits in this exceptional new-construction beach home, perfectly positioned just steps from the shoreline. Located 2nd row from the ocean, this residence offers the rare combination of modern craftsmanship and timeless coastal charm. With 4 spacious bedrooms and 4.5 beautifully appointed baths, the home is

  Lori Smith Coldwell Banker Sea Coast Advantage

  209 Shell Rd Unit 3b, Surf City, NC 28445
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  /26

  $1,947,000

  • 4 Beds
  • 4.5 Baths
  • 3,678 Sq Ft

  9091 W 9th St, Surf City, NC 28445

  Meticulously maintained and furnished waterfront home available to experience coastal island living. The home affords an expansive, thoughtfully designed reverse floor plan, with the ground floor area featuring an outdoor shower and ample covered parking areas available for inclement weather entry to either side of a conditioned and finished entry foyer and storage area with an elevator and

  William Piner William Piner Realty, LLC

  9091 W 9th St, Surf City, NC 28445
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  /2

  $1,250,000

  • Land
  • 30.98 Acres
  • $40,349 per Acre

  Tr 1 Nc Highway 210 E, Surf City, NC 28445

  Over 30 acres of land on Hwy 210 East to Surf City with 425' of road frontage. Golden opportunity for development and convenient to area beaches and all the new shopping off island in Surf City. One of the last large tracts of land this convenient to everything. Only about 30 minutes from Wilmington or Jacksonville.

  Cheryl Moseley Lewis Realty

  Tr 1 Nc Highway 210 E, Surf City, NC 28445
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  /71

  $640,000

  • 4 Beds
  • 2.5 Baths
  • 2,830 Sq Ft

  541 Moss Lake Ln, Holly Ridge, NC 28445

  YOU FOUND THE ONE! Located in the highly sought-after Summerhouse on Everett Bay, this beautifully maintained home offers the perfect blend of coastal lifestyle, convenience, and community amenities. Residents enjoy resort-style features including a luxury clubhouse, pools with lazy river, fitness center, walking trails, playground, tennis courts, day docks, boat launch access, and more with

  Desiree Taron Coldwell Banker Sea Coast Advantage Rlty

  541 Moss Lake Ln, Holly Ridge, NC 28445
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  /26

  $95,000

  • Land
  • 1.82 Acres
  • $52,198 per Acre

  138 Royal Palms Way, Holly Ridge, NC 28445

  Welcome to Lot 138 in the coveted, gated community of Royal Palms. This is a rare opportunity to own 1.82 acres of land in a lush, waterfront, water-access neighborhood just minutes from the coast. With soil testing already completed, you can begin building your dream home with confidence and ease. This expansive homesite is bordered by HOA-protected green space for enhanced privacy and can also

  Aimee Sposeep REAL Broker LLC

  138 Royal Palms Way, Holly Ridge, NC 28445
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  /40

  $860,000 New Construction

  • 4 Beds
  • 4.5 Baths
  • 2,140 Sq Ft

  706 N New River Dr, Surf City, NC 28445

  COME VIEW THIS NEW CONSTRUCTION, WITH 4 BEDROOMS, 4.5 BATHS WITH AN ELEVATOR. THIS PROPERTY WILL BOAST GRANITE COUNTERTOPS, LVP FLOORING, FLAT TRIM INTERIOR. LOCATED WITHIN WALKING DISTANCE TO RESTAURANTS AND PUBS IN SURF CITY. DEEDED BEACH AND SOUND EASEMENTS. GREAT PERMANENT HOME, SECOND HOME, AND WILL OFFER GREAT INCOME POTENTIAL.

  Linda Manning Carolina Real Estate

  706 N New River Dr, Surf City, NC 28445
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  /45

  $1,999,998

  • 7 Beds
  • 6.5 Baths
  • 4,169 Sq Ft

  98 Oleander Ct, Surf City, NC 28445

  Imagine waking up right where Surf City meets Topsail Beach. 98 Oleander Court is a rare legacy estate in the private Bland Shores community that offers something almost impossible to find: permanent, protected views. This isn't just one lot; it's two. You're securing the luxury residence plus the deeded oceanfront parcel directly across the street. Because that beachfront lot is unbuildable,

  Denis Murphy Coldwell Banker Sea Coast Advantage

  98 Oleander Ct, Surf City, NC 28445
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  /19

  $149,900

  • Land
  • 0.2 Acre
  • $749,500 per Acre

  119 Whispering Pine Ln, Holly Ridge, NC 28445

  RARE DOUBLE LOT OPPORTUNITY! (Lot 155 also available MLS #100535836) Welcome to Summerhouse on Everett Bay. North Carolina Resort Style living at its finest. Build your forever home on this beautiful lot in one of the most desirable locations in Eastern NC! Play some tennis, pickleball, basketball, work out in the fitness center, or relax in the spectacular clubhouse and pool. If boating is your

  Scott Reinschmidt Cardoso & Company

  119 Whispering Pine Ln, Holly Ridge, NC 28445
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  /65

  $461,000 New Construction

  • 3 - 4 Beds
  • 2 - 5 Baths
  • 2,193+ Sq Ft

  Wells Plan at Summerhouse, Holly Ridge, NC 28445

  Legacy Homes by Bill Clark Builder

  101 Spicer Lake Dr Unit 36497905, Holly Ridge, NC 28445
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  /35

  $480,100

  • 5 Beds
  • 3 Baths
  • 2,407 Sq Ft

  106 Mesa Ln, Surf City, NC 28445

  Welcome to your dream coastal-home retreat in the beautiful town of Surf City! This 5 bedroom, 3 bath home is nestled within Waterside community. This spacious residence offers modern finishes, thoughtful design, and the perfect blend of comfort and beach-town living. A flexible floor plan: one bedroom and full bath on the main level — perfect for an office, guest suite, or in-law space —

  Bizz Baker Better Homes and Gardens Real Estate Treasure

  106 Mesa Ln, Surf City, NC 28445
• 

  

  /40

  $415,000 New Construction

  • 3 Beds
  • 2.5 Baths
  • 1,797+ Sq Ft

  Oakley Plan at Summerhouse, Holly Ridge, NC 28445

  Legacy Homes by Bill Clark Builder

  101 Spicer Lake Dr Unit 36456856, Holly Ridge, NC 28445
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  /58

  $1,275,000 New Construction

  • 4 Beds
  • 3 Baths
  • 2,998 Sq Ft

  106 Diamond Point Ct, Surf City, NC 28445

  It's a Channel Marker Builders Home! Welcome to The Fort Caswell Floorplan, a luxury elevated coastal home in Diamond Point with stunning Water views and walkable access to the Surf City bridge, shops, and dining, offering over 3,000 heated sq ft, 4 bedrooms, 3 baths, a saline pool, and a deeded boat slip. $25,000 buyer credit available for a limited time that may be applied toward closing costs,

  Kristen Downing RE/MAX Executive

  106 Diamond Point Ct, Surf City, NC 28445

Showing Results 281 - 320, Page 8 of 9