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Jefferson County TN Homes for Sale

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  • /12

    $85,000

    • Land
    • 1.2 Acres
    • $70,833 per Acre

    Lot 75 Stone Bridge Dr, Dandridge, TN 37725

    Buildable Lot with Stunning Lake & Mountain Views on Douglas Lake - 1.2 Acres in Gated Community! Discover the perfect canvas for your dream home or short-term rental in the prestigious Stone Bridge Subdivision, located in scenic Dandridge. This 1.2-acre lot boasts breathtaking views of Douglas Lake and the Smoky Mountains, offering a serene and picturesque backdrop. Situated in a gated

    Kevin Keck Realty Executives Associates

    Lot 75 Stone Bridge Dr, Dandridge, TN 37725
  • /29

    $999,000

    • 3 Beds
    • 3.5 Baths
    • 1,814 Sq Ft

    1283 Highway 139 Unit 405c, Dandridge, TN 37725

    PRICE IMPROVEMENT!!! JUST IN TIME FOR LAKE SEASON!!!This is a rare offering of a beautifully updated 2 level Penthouse. This residence contains 3 bedrooms, 3.5 baths with numerous custom touches. This floor plan at Harbor Crest just does not come available very often. The soaring vaulted living area features spectacular Douglas Lake views from a massive wall of windows. The kitchen and living

    Todd Smith Prime Mountain Properties

    1283 Highway 139 Unit 405c, Dandridge, TN 37725
  • /36

    $650,000

    • 4 Beds
    • 4 Baths
    • 2,400 Sq Ft

    1065 Valley Home Rd, Dandridge, TN 37725

    Fully remodeled and updated from exterior to interior Income producing Turnkey DUPLEX! Sitting on 1.67 acres directly across from the Dandridge Golf & Country Club. Fully Furnished, SUPER clean with new great quality furniture, flooring, granite counter tops and appliances. 1,700+ sqft of storage in lower walkout basement. Checkout the reviews on airbnb.com. This is a peaceful place to

    Doug Swiggum Keller Williams Properties

    1065 Valley Home Rd, Dandridge, TN 37725
  • /25

    $749,900

    • Land
    • 30 Acres
    • $24,997 per Acre

    792 Rh Ellis Rd, Dandridge, TN 37725

    RARE FIND - 30.33 Acres on Dumplin Creek! Just minutes from I-40 Exit 417 in Dandridge, this unique property offers hundreds of feet of creek frontage and endless possibilities. A tear-down structure is on site, and the land is easily subdividable (with county/zoning approval). The rolling, three-tier topography is gently sloped and well-suited for development. Options could include 20± lots at

    TAMMY FRANKLIN Franklin Realty

    792 Rh Ellis Rd, Dandridge, TN 37725
  • /43

    $484,000

    • 3 Beds
    • 2 Baths
    • 2,125 Sq Ft

    3320 Hazelwood Ct, White Pine, TN 37890

    Tucked away at the end of a quiet cul-de-sac, this home offers exceptional privacy with a nature-friendly backyard that connects to miles of scenic walking paths on the former Baneberry Golf Course. Completely refreshed, it feels like new construction with updated flooring, paint and stain, windows, fixtures, appliances, and a spacious deck designed for entertaining or peaceful relaxation. The

    TAMMY FRANKLIN Franklin Realty

    3320 Hazelwood Ct, White Pine, TN 37890
  • /2

    $69,700

    • Land
    • 1.38 Acres
    • $50,507 per Acre

    Lot 18 Kaylee Dr, Jefferson City, TN 37760

    What a wonderful neighborhood to build your dream home in on this 1.38 acre lot! This subdivision offers underground utilities including electric, water and natural gas are available. There is a 3 bedroom septic permit already done! Trilight fiber internet is also available! Restrictions include site built home only with a minimum of 1600sf, if more than one story must be 1200sf on main floor and

    Melinda Hale Franklin Realty

    Lot 18 Kaylee Dr, Jefferson City, TN 37760
  • /18

    $129,900

    • Land
    • 4.02 Acres
    • $32,313 per Acre

    Lot 23 Caywood Rd, Dandridge, TN 37725

    a 4-acre lakefront lot on Caywood Rd in Dandridge, beautifully set along the shores of Douglas Lake. This lush, wooded parcel offers a private haven with a prime building spot at the top of the property, currently home to a shed. Power is already available on-site, making it an excellent choice for RV enthusiasts or those envisioning a cozy home. With selective tree clearing, you could unlock

    Taylor Clay The Real Estate Depot

    Lot 23 Caywood Rd, Dandridge, TN 37725
  • /31

    $325,000

    • Land
    • 40,510 Sq Ft
    • $349,462 per Acre

    Lot 38 English Mountain Pointe, White Pine, TN 37890

    This property is a beautiful easy build lot located in the Sunset Pointe Community in White Pine, TN. It is situated in a gated community with access to the beautiful Douglas Lake at the community dock beside of the Sunset Pavillion. This mostly cleared lot features a gorgeous build site that is the perfect location for your new East Tennessee home. This neighborhood is quiet and peaceful, and

    Taylor Clay The Real Estate Depot, LLC

    Lot 38 English Mountain Pointe, White Pine, TN 37890
  • /37

    $649,000

    • 3 Beds
    • 3 Baths
    • 1,700 Sq Ft

    174 Lakeshore Bay Dr, Jefferson City, TN 37760

    Cherokee Bay is a steadily growing Planned Unit Development that is truly one of a kind, especially for this part of East Tennessee. The developer wanted to assure people that things would be done right so nearly all of the amenities were completed first and foremost. These include; a one mile long walking trail, a heated infinity edge lakeside swimming pool with a sun bathing soaking ledge, a

    Bruce Hull Lake Homes Realty

    174 Lakeshore Bay Dr, Jefferson City, TN 37760
  • /37

    $799,000

    • 4 Beds
    • 3 Baths
    • 2,892 Sq Ft

    182 Lakeshore Bay Dr, Jefferson City, TN 37760

    Cherokee Bay is a steadily growing Planned Unit Development that is truly one of a kind, especially for this part of East Tennessee. The developer wanted to assure people that things would be done right so nearly all of the amenities were completed first and foremost. These include; a one mile long walking trail, a heated infinity edge lakeside swimming pool with a sun bathing soaking ledge, a

    Bruce Hull Lake Homes Realty

    182 Lakeshore Bay Dr, Jefferson City, TN 37760
  • /61

    $1,399,000

    • 3 Beds
    • 5 Baths
    • 5,489 Sq Ft

    1689 U S 25w, New Market, TN 37820

    Have you ever wondered why so many people are choosing East Tennessee as their new home? It seems every week brings another story of someone drawn by the region's scenic beauty, and affordable living. No state income tax. Low property taxes. Low insurance costs. Not as cold as New York. Not as hot as Florida. No coastal hurricanes. No big snakes or alligators. Less crime in this part of

    Felix Valdes Cherokee Lake Realty

    1689 U S 25w, New Market, TN 37820
  • /37

    $449,000 New Construction

    • 2 Beds
    • 2 Baths
    • 1,292 Sq Ft

    178 Lakeshore Bay Dr, Jefferson City, TN 37760

    Cherokee Bay is a steadily growing Planned Unit Development that is truly one of a kind, especially for this part of East Tennessee. The developer wanted to assure people that things would be done right so nearly all of the amenities were completed first and foremost. These include; a one mile long walking trail, a heated infinity edge lakeside swimming pool with a sun bathing soaking ledge, a

    Bruce Hull Lake Homes Realty

    178 Lakeshore Bay Dr, Jefferson City, TN 37760
  • /9

    $199,900

    • Land
    • 39,639 Sq Ft
    • $219,670 per Acre

    Par 005.00 Aaron St, Sevierville, TN 37876

    BEAUTIFUL DOUGLAS LAKEFRONT LOT NOW INCLUDES A 21 FT RV/CAMPER (2021 MODEL)!! Private cul-de-sac and easy, gentle access to the water in a gorgeous deep-water cove. All land across the cove is TVA land!! (No houses, only deer). All corners of the lot are marked. Graded and graveled driveway, and house seat already put in along with your own deck right on the lake!! Super location on the

    Betty Rivera Prime Mountain Properties

    Par 005.00 Aaron St, Sevierville, TN 37876
  • /19

    $179,900

    • Land
    • 1 Acre
    • $179,900 per Acre

    1442 Waterfront Dr, Dandridge, TN 37725

    What a great opportunity to own a nice lot for your home and have a lakefront property with a dock that is being conveyed as well. If you love a nice country setting and also want a lake front lot with dock for your boat or jet skis, this is the property for you. Owner to offer financing!!

    Jon Woods Southern Woods Properties

    1442 Waterfront Dr, Dandridge, TN 37725
  • /15

    $29,900

    • Land
    • 2.34 Acres
    • $12,778 per Acre

    0 Fortunato Dr, Baneberry, TN 37890

    Discover an incredible opportunity to own 2.34 acres of private, undeveloped land in the heart of Baneberry, TN! This package deal includes 5 parcels, perfect for developers, investors, or those dreaming of building their ideal home(s) in a serene, natural setting. Key Features: Total Acreage: 2.34 acres across 5 parcels, offering ample space for multiple home sites. Soil Testing Completed:

    Taylor Clay The Real Estate Depot

    0 Fortunato Dr, Baneberry, TN 37890
  • /12

    $669,000

    • Land
    • 64 Acres
    • $10,453 per Acre

    0 French Mill Rd, Dandridge, TN 37725

    Residential Development Land Near Knoxville & Pigeon Forge This developable land offers a great location just minutes from historic Dandridge, TN, and Carson-Newman University, with Knoxville, Pigeon Forge, and Gatlinburg less than 30 minutes away. Water and electric utilities are available at the road, making it well-suited for residential development or a private estate. Located near Piedmont

    Chris Orr National Land Realty

    0 French Mill Rd, Dandridge, TN 37725
  • /23

    $524,900 New Construction

    • 3 Beds
    • 2 Baths
    • 3,358 Sq Ft

    422 Mcguire Rd, New Market, TN 37820

    Stunning New Construction Home Near Patriot Hill Golf Course! This newly constructed 3-bedroom, 2-bathroom home offers over 3,300 sq. ft. of living space on a spacious 1+ acre lot. The home boasts a fully finished basement, perfect for additional living or entertaining space. The owner's suite is generously sized. LVP flooring flows seamlessly through the living room, dining room, foyer, and

    Raj Cheema Southland REALTORS, Inc.

    422 Mcguire Rd, New Market, TN 37820
  • /58

    $3,250,000

    • 3 Beds
    • 4.5 Baths
    • 4,650 Sq Ft

    428 River Bend Dr, Dandridge, TN 37725

    Welcome to 428 River Bend Drive, a stunning home perched on a hillside with sweeping panoramic views of Douglas Lake. Offering 4,650 sq. ft. of living space on 1.51 unrestricted acres, this property combines elegance, comfort, and functionality—without the constraints of an HOA.Designed with entertaining in mind, the heart of the home is the impressive kitchen, featuring dual islands,

    Shawn Wilmoth United Real Estate Solutions

    428 River Bend Dr, Dandridge, TN 37725
  • /34

    $319,900

    • 3 Beds
    • 2 Baths
    • 1,380 Sq Ft

    839 Quiet Oaks Way, Dandridge, TN 37725

    Welcome to this inviting 3-bedroom, 2-bath, one-level home built in 2018, offering modern comfort and easy living. Featuring durable laminate floors and an open-concept layout, the spacious living room flows seamlessly into the kitchen—perfect for everyday living and entertaining. Set on a generous 0.5-acre lot, the property boasts a nice big yard with plenty of space for gardening, play, or

    Steve Carpenter RE/MAX Real Estate Ten Midtown

    839 Quiet Oaks Way, Dandridge, TN 37725
  • /15

    $174,900

    • Land
    • 2.45 Acres
    • $71,388 per Acre

    142 Arbor Ln, Dandridge, TN 37725

    This prime parcel of land in a sought-after subdivision offers the perfect canvas for your dream home. Level and fully cleared, the lot is build-ready, making it an ideal choice for those looking to start construction right away. With utilities available, you can jumpstart your project with ease. Enjoy exclusive access to the lake through the community boat ramp, perfect for boating, fishing, and

    142 Arbor Ln, Dandridge, TN 37725
  • /21

    $99,000

    • Land
    • 38,332 Sq Ft
    • $112,500 per Acre

    Lot 27 Stone Shore Way, Dandridge, TN 37725

    Escape to tranquility with this beautiful lakefront lot nestled in a peaceful cove on Douglas Lake, located within the exclusive gated community of Stonebridge in Dandridge, TN. This gently sloping lot is perfectly suited for a walkout basement-style home, offering stunning, serene views of the cove and surrounding natural beauty—ideal for relaxing on your future back porch. As part of the

    Taylor Clay The Real Estate Depot, LLC

    Lot 27 Stone Shore Way, Dandridge, TN 37725
  • /15

    $369,000

    • Land
    • 3.82 Acres
    • $96,597 per Acre

    1835 Hammer Rd, Dandridge, TN 37725

    3.82 Acres Close to Town - With Pole Barn and Douglas Lake Proximity!! Don't miss this rare opportunity to own 3.82 beautifully laying acres just minutes from town! This property offers the perfect blend of convenience and country charm-whether you're looking to build, invest, or simply enjoy a piece of land close to everything. Property has utility water, natural gas, and soil work already

    Jon Woods Southern Woods Properties

    1835 Hammer Rd, Dandridge, TN 37725
  • /20

    $39,900

    • Land
    • 1.53 Acres
    • $26,078 per Acre

    Lot 87 Stone Vista Way, Dandridge, TN 37725

    The beautiful 1.53 acre property sits in the lakefront community of Stonebridge on Douglas Lake and is a perfect place for your dream Tennessee mountain home to enjoy with family. This community offers the convenience of a gated community, as well as the club house, community boat launch, community boat dock and on-site utilities it will be tough to find a property like this one at this price.

    Taylor Clay The Real Estate Depot

    Lot 87 Stone Vista Way, Dandridge, TN 37725
  • /37

    $449,500

    • 3 Beds
    • 2.5 Baths
    • 1,447 Sq Ft

    1928 Bouldercrest Dr, Dandridge, TN 37725

    Lake Views and Serenity - Your Dream Home AwaitsTucked away in a peaceful lakefront enclave just off Douglas Dam Road (Hwy 139), this fully updated 3-bedroom, 2.5-bathroom retreat offers the ideal blend of modern luxury and serene East Tennessee living. With approximately 275 feet of shoreline views on the sought-after Douglas Lake, this home is a rare gem in Historic Dandridge, just minutes

    Agent Photo

    Robert Tucker

    Weichert, REALTORS - Tiger Real Estate

    (865) 830-6419

    1928 Bouldercrest Dr, Dandridge, TN 37725
  • /43

    $470,000

    • 1 Bed
    • 2 Baths
    • 2,030 Sq Ft

    1854 Chapel Rd, Sevierville, TN 37876

    NEW MOUNTAIN VIEW HOME! With 3 BONUS ROOMS And a finished Basement in the beautiful DOUGLAS LAKE private community 'Angler Woods'. An Open-living concept with lots of light and those beautiful mountain views from almost every room! Granite tops, SS appliances, T & G ceilings, a beautiful soaking tub overlooking the mountains, a large back deck to lounge from as you enjoy the sunset or morning

    Oscar Valle Wallace

    1854 Chapel Rd, Sevierville, TN 37876
  • /57

    $449,900

    • 3 Beds
    • 1.5 Baths
    • 2,429 Sq Ft

    2409 Valley Home Rd, Talbott, TN 37877

    Charming 1900s Colonial-Style Home on 4.22 Acres - Talbott, TN Step back in time and experience the timeless elegance of this beautifully maintained 2-story Colonial-style home, offering 2,429 sq ft of character, charm, and comfort. Nestled on a generous 4.22-acre lot in scenic Talbott, TN, this unique property blends classic architecture with the space and functionality today's lifestyle

    April McKinney Goddard Real Estate & Auction

    2409 Valley Home Rd, Talbott, TN 37877
  • /29

    $50,000

    • Land
    • 1.25 Acres
    • $40,000 per Acre

    Lot 7 Parrotts Chapel Rd, Sevierville, TN 37876

    Summer is right around the corner and this is your chance to start planning your future on the lake. *** Welcome to Parrotts Landing, a beautiful and peaceful community offering lake access and scenic surroundings. This generous 1.25-acre lot provides the perfect canvas to build your custom home. The property features gently rolling land, mature trees, and a tranquil setting that feels both

    Tabitha Tuft MG Rise Real Estate Group

    Lot 7 Parrotts Chapel Rd, Sevierville, TN 37876
  • /20

    $89,900

    • Land
    • 34,848 Sq Ft
    • $112,375 per Acre

    Lot 49 Sunset Blvd, White Pine, TN 37890

    This property is a beautiful easy build lot located in the Sunset Pointe Community in White Pine, TN. It is situated in a gated community with access to the beautiful Douglas Lake at the community dock beside of the Sunset Pavillion. Enjoy a day out on the water by the community boat dock facilities where you can purchase your very own BOAT SLIP for only $24,900. This mostly cleared lot features

    Taylor Clay The Real Estate Depot

    Lot 49 Sunset Blvd, White Pine, TN 37890
  • /22

    $48,900

    • Land
    • 1.16 Acres
    • $42,155 per Acre

    0 Stone Bridge Dr Unit 17 1312391, Dandridge, TN 37725

    Price Reduced, Exquisite property located in the gated community of Stone Bridge Subdivision. Enjoy the serenity of the water fall at the entrance just inside the gate, paved roads with a stone bridge crossing into the residential area. Access lot 17 from Stone Bridge Dr or Cul-de-sac below. This property has its own Deeded boat slip and Aqua Green septic system! This community has a private Club

    Sharon Vagasky Rocky Top Realty

    0 Stone Bridge Dr Unit 17 1312391, Dandridge, TN 37725
  • /14

    $44,900

    • Land
    • 28,314 Sq Ft
    • $69,077 per Acre

    Lots 15 W View Dr, Strawberry Plains, TN 37871

    Seller says sell! Conveniently located near Knoxville, Kodak, Sevierville, and Jefferson City, you'll also be close to both Cherokee and Douglas Lakes—and just across the road from the Holston River. Light restrictions allow for a minimum 1,000 sq. ft. stick-built home, making this a great opportunity for spec home builders to create the affordable homes so many buyers are seeking. Additional lot

    Burlin Allen RE/MAX Between the Lakes Dandridge

    Lots 15 W View Dr, Strawberry Plains, TN 37871
  • /13

    $99,900

    • Land
    • 30,056 Sq Ft
    • $144,783 per Acre

    Lot 76 Meadow Rose Dr, White Pine, TN 37890

    Improvements galore! City water, city sewer, city trash, buried power, gas ready, high speed and fiber internet choices AND beautiful mountain views...the brand new Pine Meadows neighborhood has it all! Design & build your dream house on this lovely lot! With just 3 miles from the interstate, 40 miles from downtown Knoxville, 48 miles from the Great Smoky Mountains National Park, and less than 10

    Lea Bradley Realty Executives Associates

    Lot 76 Meadow Rose Dr, White Pine, TN 37890
  • /12

    $71,000

    • Land
    • 30,056 Sq Ft
    • $102,899 per Acre

    Lot 71 Vista Ridge Dr, White Pine, TN 37890

    Improvements Galore! City water, city sewer, city trash, buried power, gas ready, high speed and fiber internet choices AND beautiful mountain views...the brand new Pine Meadows neighborhood has it all! Design & build your dream house on this lovely lot! With just 3 miles from the interstate, 40 miles from downtown Knoxville, 48 miles from the Great Smoky Mountains National Park, and less than 10

    Lea Bradley Realty Executives Associates

    Lot 71 Vista Ridge Dr, White Pine, TN 37890
  • /12

    $71,000

    • Land
    • 1.03 Acres
    • $68,932 per Acre

    Lot 39 Meadow Vista Way, White Pine, TN 37890

    Improvements galore! City water, city sewer, city trash, buried power, gas ready, high speed and fiber internet choices AND beautiful mountain views...the brand new Pine Meadows neighborhood has it all! Design & build your dream house on this lovely lot! With just 3 miles from the interstate, 40 miles from downtown Knoxville, 48 miles from the Great Smoky Mountains National Park, and less than 10

    Lea Bradley Realty Executives Associates

    Lot 39 Meadow Vista Way, White Pine, TN 37890
  • /14

    $80,500

    • Land
    • 33,541 Sq Ft
    • $104,545 per Acre

    Lot 72 Vista Ridge Dr, White Pine, TN 37890

    Improvements Galore! City water, city sewer, city trash, buried power, gas ready, high speed and fiber internet choices AND beautiful mountain views...the brand new Pine Meadows neighborhood has it all! Design & build your dream house on this lovely lot! With just 3 miles from the interstate, 40 miles from downtown Knoxville, 48 miles from the Great Smoky Mountains National Park, and less than 10

    Lea Bradley Realty Executives Associates

    Lot 72 Vista Ridge Dr, White Pine, TN 37890
  • /10

    $90,000

    • Land
    • 43,124 Sq Ft
    • $90,909 per Acre

    Lot 56 Meadow Vista Way, White Pine, TN 37890

    Improvements Galore! City water, city sewer, city trash, buried power, gas ready, high speed and fiber internet choices AND beautiful mountain views...the brand new Pine Meadows neighborhood has it all! Design & build your dream house on this lovely lot! With just 3 miles from the interstate, 40 miles from downtown Knoxville, 48 miles from the Great Smoky Mountains National Park, and less than 10

    Lea Bradley Realty Executives Associates

    Lot 56 Meadow Vista Way, White Pine, TN 37890
  • /10

    $95,000

    • Land
    • 30,927 Sq Ft
    • $133,803 per Acre

    Lot 4 Pine Meadows Dr, White Pine, TN 37890

    Improvements galore! City water, city sewer, city trash, buried power, gas ready, high speed and fiber internet choices AND beautiful mountain views...the brand new Pine Meadows neighborhood has it all! Design & build your dream house on this lovely lot! With just 3 miles from the interstate, 40 miles from downtown Knoxville, 48 miles from the Great Smoky Mountains National Park, and less than 10

    Lea Bradley Realty Executives Associates

    Lot 4 Pine Meadows Dr, White Pine, TN 37890
  • /14

    $69,900

    • Land
    • 1.88 Acres
    • $37,181 per Acre

    0 Emerald Pointe Blvd Unit 1311330, Sevierville, TN 37876

    1.88 Acre Lot with Lake Access & Stunning Views in The Peninsulas on Douglas Lake Looking for a place to build your dream home near the water—without the lakefront price tag? This 1.88-acre lot offers long-range lake views, generous road frontage, and easy access to Douglas Lake, all within a gated community in the Dandridge/Sevierville area. Located within walking distance to one of the

    Darlene Derosia Smoky Mountain Real Estate Cor

    0 Emerald Pointe Blvd Unit 1311330, Sevierville, TN 37876
  • /14

    $69,900

    • Land
    • 1.88 Acres
    • $37,181 per Acre

    Lot 56 Emerald Pointe Blvd, Sevierville, TN 37876

    1.88 Acre Lot with Lake Access & Stunning Views in The Peninsulas on Douglas Lake Looking for a place to build your dream home near the water—without the lakefront price tag? This 1.88-acre lot offers long-range lake views, generous road frontage, and easy access to Douglas Lake, all within a gated community in the Dandridge/Sevierville area. Located within walking distance to one of the

    Darlene Derosia Smoky Mountain Real Estate Cor

    Lot 56 Emerald Pointe Blvd, Sevierville, TN 37876
  • /43

    $749,900

    • 2 Beds
    • 2 Baths
    • 1,217 Sq Ft

    1269 Highway 139 Unit 304b, Dandridge, TN 37725

    Experience Lakefront Living at Harbor Crest on Douglas Lake! This 2 Bedroom, 2 Bathroom residence has just undergone an extensive Six Figure Renovation - Custom Everything! Cabinets, vanities, tile, hardwood flooring, fireplace, etc. have all been carefully crafted to create this masterpiece. This home has fabulous, million dollar lake views from the living area and master bedroom which both

    Todd Smith Prime Mountain Properties

    1269 Highway 139 Unit 304b, Dandridge, TN 37725
  • /18

    $79,900

    • Land
    • 28,314 Sq Ft
    • $122,923 per Acre

    Lot 9 Stone Cove Way, Dandridge, TN 37725

    Discover the perfect opportunity to build your dream home on this stunning 0.65-acre lot in the prestigious Stonebridge community, a gated haven nestled along the serene shores of Douglas Lake in Dandridge, Tennessee. This expansive lot offers ample space for a custom residence, surrounded by the natural beauty and tranquility of East Tennessee. Stonebridge provides an exclusive lifestyle with

    Taylor Clay The Real Estate Depot

    Lot 9 Stone Cove Way, Dandridge, TN 37725

Showing Results 481 - 520, Page 13 of 16

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