Iowa 1-Story Homes for Sale

• 

  

  

  /32

  $339,900

  • 3 Beds
  • 2 Baths
  • 1,577 Sq Ft

  938 15th Ave SE, Altoona, IA 50009

  Welcome to Altoona's Tuscany neighborhood! This 3-bed ranch in a mature neighborhood is now for sale! As you walk in the front door, you're greeted with an open-concept kitchen and living area, where vaulted ceilings and rich wood laminate plank flooring create a spacious warm feel. The kitchen features granite countertops, tiled backsplash, stainless steel appliances and a pantry. The primary

  Megan Avila Century 21 Signature

  938 15th Ave SE, Altoona, IA 50009
• 

  

  

  /35

  $419,900

  • 2 Beds
  • 2 Baths
  • 1,833 Sq Ft

  290 240th Ave Unit 23, Arnolds Park, IA 51331

  Bright & Beautiful 2 Bed, 2 Bath in Sought-After Bridges Bay Community Dripping in natural light, this stunning 2-bedroom, 2-bathroom home is located in the heart of Arnolds Park, within the highly desirable Bridges Bay community. Enjoy an open, airy layout perfect for relaxing or entertaining, all just steps from the area's top amenities—pools, restaurants, waterpark, and the lake! Whether

  Nick Steffes Integrity Real Estate

  290 240th Ave Unit 23, Arnolds Park, IA 51331
• 

  

  

  /32

  $489,900

  • 2 Beds
  • 2 Baths
  • 1,628 Sq Ft

  9421 NE 28th Ct, Ankeny, IA 50021

  A rare find in Ankeny - acreage living without sacrificing convenience or comfort! Nestled on a beautifully maintained 1.08-acre corner lot just east of I-35, this updated home offers the perfect blend of privacy, mature trees, and quick access to downtown Des Moines (only 15 minutes away!). With no HOA and no covenants, you'll enjoy freedom and flexibility alongside a well-designed layout

  Zack Barragan RE/MAX Precision

  9421 NE 28th Ct, Ankeny, IA 50021
• 

  

  

  /19

  $239,900

  • 3 Beds
  • 1 Bath
  • 1,229 Sq Ft

  4004 Franklin Ave, Des Moines, IA 50310

  Charming Beaverdale 1.5 story full of character & updates in one of Des Moines' most beloved neighborhoods. You'll love the arched doorways, original hardwood floors beneath the carpet, 3 bedrooms, spacious full bath and the bright, functional kitchen featuring white cabinetry, stainless steel appliances, and a gas range. The finished attic is a total bonus space with stunning hardwood floors and

  Stevie O'meara RE/MAX Concepts

  4004 Franklin Ave, Des Moines, IA 50310
• 

  

  

  /35

  $215,000

  • 3 Beds
  • 2 Baths
  • 1,484 Sq Ft

  809 W Ashland Ave, Indianola, IA 50125

  Check out this completely renovated home sitting in a beautiful mature neighborhood. Upon entering the front door you will immediately fall in love with the white trim, high ceilings and beautiful LVP floors flowing throughout the main floor. The eat-in kitchen is like nothing else you will find in this price range with quartz countertops, subway tile backsplash, and stainless steel appliances.

  Apryl Young Realty ONE Group Impact

  809 W Ashland Ave, Indianola, IA 50125
• 

  

  /42

  $225,000

  • 2 Beds
  • 2 Baths
  • 1,404 Sq Ft

  1908 McDonald St, Sioux City, IA 51104

  Welcome to 1908 McDonald Street—a beautifully updated 2-bedroom, 2-bathroom home that perfectly combines comfort, style, and functionality. Flooded with natural light and featuring hardwood flooring throughout, this home offers a warm and inviting atmosphere from the moment you step inside. The kitchen has been thoughtfully renovated with granite countertops, newer cabinets, and modern finishes,

  Hannah Koerselman Keller Williams Siouxland

  1908 McDonald St, Sioux City, IA 51104
• 

  

  /31

  $264,000

  • 3 Beds
  • 2 Baths
  • 1,291 Sq Ft

  524 1st St, West Des Moines, IA 50265

  Discover this beautifully updated 3-bedroom, 2-bath home nestled in the heart of West Des Moines, just a short walk from the vibrant shops, restaurants, and events of historic Valley Junction. Step inside to a fully remodeled kitchen featuring modern finishes and an open layout perfect for everyday living and entertaining. The spacious primary bedroom is tucked away in a cozy loft and offers a

  Eva Jorgenson Weichert, Realtors - 515 Agency

  524 1st St, West Des Moines, IA 50265
• 

  

  /17

  $160,000

  • 3 Beds
  • 1 Bath
  • 997 Sq Ft

  3419 E 37th St, Des Moines, IA 50317

  Here's a great fixer upper with wonderful equity potential! This cute Sheridan Gardens 3 bedroom, 1 bath home, with a two-car garage & huge fenced backyard, is perfect for a homebuyer looking to put in some sweat equity and cosmetic updates! This home is priced well below market value & qualified buyers may also be eligible for a forgivable NFC grant for improvements. Located within a quiet

  Heather Bittner RE/MAX Revolution

  3419 E 37th St, Des Moines, IA 50317
• 

  

  /12

  $179,000

  • 3 Beds
  • 0.5 Baths
  • 1,260 Sq Ft

  16672 160th St, Wellsburg, IA 50680

  This home is currently listed as a delayed showing. Under no circumstances will any showings be allowed until July 18 at 8am. Sellers will not accept any proposed purchase agreements/offers until 9am on the first day of showings July 20, 2025. Enjoy the privacy and serenity of rural living while still being within reach of modern conveniences. This is a rare opportunity to own your own

  Sharon Johnson RE/MAX REAL ESTATE CENTER

  16672 160th St, Wellsburg, IA 50680
• 

  

  /12

  $194,500

  • 3 Beds
  • 1 Bath
  • 936 Sq Ft

  435 E Watrous Ave, Des Moines, IA 50315

  Cute affordable home that is move-in ready! Enter the ranch home from the front door to the living room. The living room has new luxury vinyl plank flooring, fresh paint and recess lights. Just off the living room toward the back of the home are 3 bedrooms and a full bath. To the right of the living room is the kitchen, with new luxury vinyl plank flooring, an electric stove,

  Terry Anderson RE/MAX Revolution

  435 E Watrous Ave, Des Moines, IA 50315
• 

  

  /60

  $850,000

  • 4 Beds
  • 3 Baths
  • 2,433 Sq Ft

  200 Timber Dr, Council Bluffs, IA 51503

  This is a once in a lifetime property - don't let it slip by. 25 acres of plush privacy with million dollar views. This incredible sprawling ranch offers a dining room, family room and master bedroom that overlooks the Omaha skyline. The lower level has a large office, family room and incredible bar for entertaining large parties. There is ample storage throughout the home. The beautiful backyard

  Susan Noland-Hunter Heartland Properties Inc

  200 Timber Dr, Council Bluffs, IA 51503
• 

  

  /15

  $206,500

  • 2 Beds
  • 2 Baths
  • 1,074 Sq Ft

  112 Wild Rose Ln, Solon, IA 52333

  Zero Entry condo featuring 2 bedrooms, 2 bathrooms, and an open layout with LVP flooring in the kitchen, dining, and living areas. Enjoy stainless steel appliances, in-unit washer/dryer, and a private patio off the dining room. 1-car attached garage and ample storage. HOA covers lawn care and snow removal for easy, low-maintenance living. Photos of a similar home. Agent is related to the seller.

  Greyson Conlon Robertson Real Estate Inc

  

  112 Wild Rose Ln, Solon, IA 52333
• 

  

  /21

  $199,900

  • 2 Beds
  • 1 Bath
  • 971 Sq Ft

  4207 Madison Ave, Des Moines, IA 50310

  This beautifully updated ranch is nestled in a quiet, established neighborhood and move-in ready from top to bottom. Featuring 2 bedrooms, 1 full bath, and a cozy family room with a sunny bay window, this home is full of charm and comfort. Enjoy the fully fenced yard, an attached garage, and an extra-wide driveway with plenty of parking space. A perfect fit for anyone looking for easy living in a

  Erika Hansen RE/MAX Real Estate Center

  4207 Madison Ave, Des Moines, IA 50310
• 

  

  /22

  $309,500

  • 4 Beds
  • 3 Baths
  • 2,706 Sq Ft

  2802 W 5th St, Sioux City, IA 51103

  One of a kind in-town mini acreage! This unique home has full living quarters up and down, four bedrooms, 3.5 baths, .59 acres, 2 garages storage galore, plus an awesome gazebo in the huge private back yard. Nestled in on it's huge lot, you can birdwatch on the spacious deck, play a game of bags, football, soccer or just enjoy the peace and tranquility of its quiet location!

  Julie Stevenson Fischer Premier Realty Group

  2802 W 5th St, Sioux City, IA 51103
• 

  

  /49

  $299,900

  • 3 Beds
  • 2 Baths
  • 1,332 Sq Ft

  2115 Vantage Point Rd, Muscatine, IA 52761

  This custom-built, 1-owner home is nestled on an almost 2 acre wooded lot that provides year round views of the Mississippi River! You'll enjoy the open concept living/dining and kitchen with custom built-ins that provide a nice separation of spaces and a wood burning fireplace. Glass sliding doors to the covered deck frame the gorgeous view! The main level provides ample inside and outside

  THE LOFGREN TEAM REAL ESTATE RESOURCE ASSOCIATES

  2115 Vantage Point Rd, Muscatine, IA 52761
• 

  

  /28

  $329,900 Open Sun 12PM - 1:30PM

  • 3 Beds
  • 2 Baths
  • 2,042 Sq Ft

  303 S Park View Dr, Eldridge, IA 52748

  Must see 3-bed, 2-bath home in Park View! Enjoy cool nights reading next to the fireplace or those great summer nights out on the back deck. This home has had many updates including: recently finished basement with a spa like bath and large walk in shower, main floor has been opened up with all new flooring throughout most of the home. Come see it today!

  Tom Farrell Prestige Realty QC

  

  303 S Park View Dr, Eldridge, IA 52748
• 

  

  /21

  $829,000

  • 3 Beds
  • 3.5 Baths
  • 2,804 Sq Ft

  1037 Us 75 Ave, Rock Rapids, SD 51246

  Perfect acreage for those who love nature and/or want a hobby farm. Perched on a hill with breathtaking views of the Rock River, this immaculate 9.07-acre property is the perfect blend of privacy, freedom, and modern comfort. This ranch-style home offers zero-entry access, 3-bedrooms, 4 baths, and 2,804 square feet of beautifully maintained living. There is an oversized attached 2-car garage, 5

  Tony Ratchford Keller Williams Realty Sioux Falls

  1037 Us 75 Ave, Rock Rapids, SD 51246
• 

  

  /66

  $850,000

  • 4 Beds
  • 3 Baths
  • 4,833 Sq Ft

  200 Timber Ln, Council Bluffs, IA 51503

  This is a once in a lifetime property - don't let it slip by. 25 acres of plush privacy with million dollar views. This incredible sprawling ranch offers a dining room, family room and master bedroom that overlooks the Omaha skyline. Every view from this lovely home is fabulous. The lower level has a large office, family room and incredible bar for entertaining large parties. There is ample

  Susan Noland - Hunter Heartland Properties

  200 Timber Ln, Council Bluffs, IA 51503
• 

  

  /35

  $230,000 Open Sun 10:30AM - 12PM

  • 2 Beds
  • 2 Baths
  • 1,510 Sq Ft

  4611 Dunn Ave, Marion, IA 52302

  Welcome to your new home! This beautifully maintained, ranch style house with a two car garage has an eat-in kitchen, large living room with two bedrooms all on the main level. The spacious outdoor deck and flat backyard offers plenty of space to grill out, enjoy a early morning cup of coffee and to entertain guests on these long summer evenings! The finished basement includes a full bathroom,

  Steve Besler EXIT Unlimited

  4611 Dunn Ave, Marion, IA 52302
• 

  

  /26

  $375,000

  • 4 Beds
  • 3 Baths
  • 2,457 Sq Ft

  615 34th Ave, Marion, IA 52302

  Welcome to 615 34th Avenue in Marion! This spacious 4-bedroom, 3-bath ranch home is located in the popular Linn-Mar School District and offers 2,457 SqFt of finished living space. Designed with 9-foot ceilings and abundant natural light, this home creates a bright and open feel throughout. The main floor features a functional layout with a breakfast bar, pantry, and convenient main-level laundry

  Bob Kalous SKOGMAN REALTY

  615 34th Ave, Marion, IA 52302
• 

  

  /31

  $205,000

  • 3 Beds
  • 2 Baths
  • 1,880 Sq Ft

  2355 Rhomberg Ave, Dubuque, IA 52001

  Welcome to this charming 3-bedroom, 2-bath ranch-style home ideally located near the River and just steps from Dairy Queen! This well-maintained property features a spacious layout with an oversized 2-car garage, perfect for extra storage or a workshop area. Enjoy the ease of single-level living with generous bedrooms, an inviting living space, and a functional kitchen layout. The convenient

  Paula Bodish Remax Advantage

  2355 Rhomberg Ave, Dubuque, IA 52001
• 

  

  /35

  $529,900 Open Sun 2PM - 3:30PM

  • 4 Beds
  • 3 Baths
  • 2,516 Sq Ft

  52539 230th St, Glenwood, IA 51534

  Welcome home to this 4 bed, 3 bath, 1.44 acre ranch home. Updates: new roof, gutters, flooring, interior doors, trim, bathroom remodel, and paint. The main level features 3 beds, 2 baths, laundry room, living room, kitchen with a pantry and dining room with access to the backyard deck. The lower levels features the 4th bed, 1 bath, a family room, and walk out access to the backyard patio.

  Katrina Blakley Embarc Realty

  52539 230th St, Glenwood, IA 51534
• 

  

  /25

  $240,000

  • 4 Beds
  • 2.5 Baths
  • 2,040 Sq Ft

  2539 Vernon Ct SE, Cedar Rapids, IA 52403

  Perfect for First-Time Homebuyers!This updated 4-bedroom home features a bright living room with vaulted ceilings and plenty of natural light. The main level offers a full bathroom, while the private primary suite includes its own full bath. You’ll also find a convenient half bath in the finished basement—great for extra storage.The tandem 2-stall attached garage provides plenty of

  Katelyn Nikolaev Pinnacle Realty LLC

  2539 Vernon Ct SE, Cedar Rapids, IA 52403
• 

  

  /35

  $185,000

  • 2 Beds
  • 1 Bath
  • 864 Sq Ft

  816 Boyd St, Des Moines, IA 50316

  Completely remodeled and move-in ready! This 2-bedroom home features a brand-new kitchen and bathroom, offering modern updates with timeless style. One of the bedrooms boasts a huge walk-in closet a rare find at this size. Bright 3-seasons room and spacious back porch overlooking the backyard. With 864 sq ft of thoughtfully updated living space, this home combines comfort, function, and style in

  Brett Opdahl RE/MAX Precision

  816 Boyd St, Des Moines, IA 50316
• 

  

  /25

  $210,000

  • 3 Beds
  • 1 Bath
  • 1,176 Sq Ft

  819 Valley St, Center Point, IA 52213

  Enjoy small-town living on a big lot! This 3 bedroom, 1 bathroom home is just a short walk to schools and a nearby park. One bedroom is now used as a laundry room, but it can be changed back if you need more bedroom space. The home has some handicap accessible features to help with easy living and a simple layout that’s easy to enjoy. There’s lots of room outside for play, pets, or a garden. It’s

  Luke Slaymaker Realty87

  819 Valley St, Center Point, IA 52213
• 

  

  /30

  $309,000

  • 3 Beds
  • 2.5 Baths
  • 1,820 Sq Ft

  915 Cedar St, Story City, IA 50248

  Welcome to this beautifully maintained ranch-style home offering comfort, space and functionality all in one! This home features an attached two-car garage and an extra shed in the back yard--perfect for additional storage or hobby space. Inside you'll find a spacious well-designed kitchen complete with stainless steel appliances, ample cabinetry, and a large island ideal for gathering

  Tyler Frederiksen Norsemen Realty Team - Friedrich Iowa Realty

  915 Cedar St, Story City, IA 50248
• 

  

  /42

  $320,000

  • 2 Beds
  • 2 Baths
  • 1,794 Sq Ft

  2048 Hunters Ridge Dr, Mason City, IA 50401

  Step into the peaceful surroundings of Hunters Ridge with this charming townhouse, offering an open-concept layout designed for easy living. The spacious living room, featuring vaulted ceilings, leads to a bright and airy 3-season room—your own peaceful escape where you can enjoy nature at its best. The kitchen is a chef’s dream, with ample cabinetry, a central island, and abundant natural light.

  Jane Fischer JANE FISCHER & ASSOCIATES LLC

  2048 Hunters Ridge Dr, Mason City, IA 50401
• 

  

  /30

  $465,000

  • 4 Beds
  • 3 Baths
  • 3,183 Sq Ft

  502 Larch Ln, Iowa City, IA 52245

  This Rochester Hills condo is spacious, beautiful and exemplifies easy living. Upon entering you'll find a large living area with gas fireplace, built ins, 10' ceilings and a great view of the timber below, which you can take in from the deck. Kitchen has new SS refrigerator, dishwasher and microwave, new quartz countertops & new sink. Eat in kitchen leads to a 4 season room perfect for

  Jeff Edberg Lepic-Kroeger, REALTORS

  

  502 Larch Ln, Iowa City, IA 52245
• 

  

  /49

  $650,000

  • 7 Beds
  • 4 Baths
  • 4,848 Sq Ft

  3501 W 32nd St, Sioux City, IA 51103

  This one-of-a-kind 7-bedroom, 4-bathroom custom-built home offers the perfect balance of luxury, space, and privacy, all set on 14 acres of huntable land, space for horses and with no chance of future development—thanks to its prime location backing up to scenic Stone Park. Step inside to find an expansive layout with wide stairways and hallways, ideal for comfortable living and accessibility.

  Toni Delfs Keller Williams Siouxland

  3501 W 32nd St, Sioux City, IA 51103
• 

  

  /35

  $219,900

  • 3 Beds
  • 1 Bath
  • 910 Sq Ft

  1212 Burnham Ave, Des Moines, IA 50315

  Updated 3 bedroom ranch that is ready for new memories. This home has fresh paint, new flooring, light fixtures. New kitchen cabinets with granite counter tops and new appliances. Nice size living room. The lower level is partial finished with a dry bar this lower level is great if you like to entertain Nice size yard and oversized garage. Come take a look at this updated home Still a little

  Dawn Edwards Realty ONE Group Impact

  1212 Burnham Ave, Des Moines, IA 50315
• 

  

  /22

  $145,000

  • 2 Beds
  • 1 Bath
  • 960 Sq Ft

  1220 Illinois St, Sidney, IA 51652

  Very nice, 2 bedroom, well maintained home with very spacious yard. Room to build a garage, shop or add on to the home. Newer flooring , water heater and numerous updates. Roomy entry / laundry room. This one is move in ready! Schedule an appointment today!

  Deb Bennett NP Dodge Real Estate - Council Bluffs

  1220 Illinois St, Sidney, IA 51652
• 

  

  /26

  $244,900

  • 4 Beds
  • 2 Baths
  • 2,146 Sq Ft

  408 Terrace Rd, Iowa City, IA 52245

  Discover the possibilities in this mid-century modern ranch, perfectly situated on Iowa City’s desirable east side tree lined streets—just minutes from schools, parks, shopping, and restaurants. This solid home is ready for its next chapter and offers great bones, timeless style, and room to grow. The kitchen features sleek modern cabinetry, abundant storage, and stainless steel appliances

  Angie Eichhorst Urban Acres Real Estate

  

  408 Terrace Rd, Iowa City, IA 52245
• 

  

  /35

  $875,000

  • 4 Beds
  • 3.5 Baths
  • 1,977 Sq Ft

  10803 NE 118th Ave, Maxwell, IA 50161

  Wonderful country oasis close to the city and amenities. This stunning custom built home sits on over 9 acres. It bumps up against county-owned land, meaning no neighbors and plenty of public hunting access nearby. Inside the home you will appreciate custom craftsman details throughout. Features include reclaimed barn doors and wooden ceiling beams. The large windows allow warm natural light. A

  Adam Bentz Agency Iowa

  10803 NE 118th Ave, Maxwell, IA 50161
• 

  

  /25

  $199,500

  • 4 Beds
  • 3 Baths
  • 2,150 Sq Ft

  200 Drexel Dr SW, Cedar Rapids, IA 52404

  This beautifully charming home is perfect for first-time buyers or those looking to downsize. Featuring 3–4 spacious bedrooms, 1 full bath, and 2 half baths, there’s plenty of room to live and entertain. You'll love the gleaming hardwood floors, open floor plan, and two main living areas on the main level—ideal for hosting family and friends. Stay cozy by the wood-burning fireplace or unwind in

  Alexis Kemp RE/MAX CONCEPTS

  200 Drexel Dr SW, Cedar Rapids, IA 52404
• 

  

  /28

  $239,900 Open Sun 12PM - 1:30PM

  • 3 Beds
  • 2.5 Baths
  • 2,288 Sq Ft

  805 W 17th St, Vinton, IA 52349

  Enjoy peace of mind with a roof, siding, and gutters all less than two years old at this spacious and well-maintained 3-bedroom, 2.5-bath ranch just blocks from the middle school! Situated on a generous 0.28-acre lot, this home offers the perfect blend of comfort, updates, and convenience.Step inside to find 1,288 sq ft on the main level featuring a bright living area, updated full bath,

  Raymond Siddell Keller Williams Legacy Group

  805 W 17th St, Vinton, IA 52349
• 

  

  /35

  $650,000

  • 4 Beds
  • 3 Baths
  • 1,878 Sq Ft

  1694 McBride Ridge Ct, Winterset, IA 50273

  Acreage for sale in Winterset Iowa! 4.99 acres almost completely fenced with trees and a shared pond. Perfect location just 100 yards off the paved Cumming Road. Four bedroom three bath walkout ranch home built in 2003. Over 3300 total sf. Main level offers a family room with fireplace, dining area, kitchen, laundry room, 3 bedrooms and 2 baths. The owner suite has French doors, bath and a huge

  Michelle Price Realty ONE Group Impact

  1694 McBride Ridge Ct, Winterset, IA 50273
• 

  

  /43

  $599,000

  • 5 Beds
  • 3 Baths
  • 3,007 Sq Ft

  5112 Scenic View Ct SW, Cedar Rapids, IA 52404

  Less than a year old and feels brand new, without the building hassle. This stunning ranch home in the College Community School District offers over 3,000 sq ft of beautifully finished living space! Featuring 5 bedrooms and 3 full bathrooms, the home boasts a newly finished lower level complete with a storm shelter, gorgeous bar area, expansive rec room, two bedrooms, and nearly 600 sq ft of

  Melissa Langhurst Realty87

  5112 Scenic View Ct SW, Cedar Rapids, IA 52404
• 

  

  /45

  $295,000

  • 4 Beds
  • 2 Baths
  • 2,012 Sq Ft

  1109 12th St NE, Sioux Center, IA 51250

  Situated in Country View, this 4 bed, 1.75 bath home is move-in ready and offers functional and cozy living space and convenient location! Built in 2002, this home offers 1,000 square feet of main floor living space, spacious 0.23 acre lot, full/finished basement, and 2 stall attached garage! Situated within steps of schools and parks, as well as near Dordt University and the All Seasons Center,

  Jennifer Jansen Epic Realty Inc.

  1109 12th St NE, Sioux Center, IA 51250
• 

  

  /26

  $254,900 Open Sun 2PM - 3:30PM

  • 2 Beds
  • 2 Baths
  • 1,884 Sq Ft

  5616 Dostal Dr SW, Cedar Rapids, IA 52404

  Amazing Zero Lot line /Twin home with no HOA fees! Open floor plan with open kitchen/dining area, spacious living room with vaulted ceiling & a slider onto large, private patio overlooking the completely fenced back yard! 2 spacious bedrooms on the main, 2 full baths. Beautifully finished lower level family room, perfect spot for entertaining or movie night! Office space & LL laundry room

  Rita Kenney Realty87

  5616 Dostal Dr SW, Cedar Rapids, IA 52404
• 

  

  /35

  $289,900

  • 3 Beds
  • 2.5 Baths
  • 1,580 Sq Ft

  1108 Hillcrest Ct, Chariton, IA 50049

  Welcome to 1108 Hillcrest Ct, a well-cared-for ranch home tucked in a quiet Chariton cul-de-sac. This 3-bedroom, 2.5-bath home offers a bright, spacious living area with an open floor plan dining room, along with an eat-in kitchen for everyday meals. The kitchen features thoughtful details, including a built-in pull-out mixer stand and a built-in wall toaster oven. A classic intercom system and a

  Adam Curran Peoples Company

  1108 Hillcrest Ct, Chariton, IA 50049

Showing Results 561 - 600, Page 15 of 18