Kalamazoo, MI Homes for Sale

• 

  

  

  /47

  $510,000

  • 5 Beds
  • 5 Baths
  • 4,042 Sq Ft

  5162 Tillman St, Kalamazoo, MI 49009

  Custom Home on 2.28 Acres in Maplewood Farms - Mattawan Schools. Set on 2.28 acres in the established Maplewood Farms neighborhood, this custom-built home offers a combination that's hard to find: Mattawan Schools, multiple bedroom suites, and flexible space that's ready to enjoy! Inside, the main level features a welcoming living room with a cathedral ceiling and gas fireplace - an inviting spot

  Diane Vandenberg Lakes & Country Real Estate Inc

  5162 Tillman St, Kalamazoo, MI 49009
• 

  

  

  /37

  $409,900 Open Sun 3PM - 5PM

  • 4 Beds
  • 2.5 Baths
  • 3,016 Sq Ft

  6760 Annandale Dr, Kalamazoo, MI 49009

  Fantastic 2-story home in the desirable Applegate Trails community in Texas Township, offering low property taxes, community events, clubhouse & pool (additional fee), and award-winning Portage Schools (12th St Elem, West Middle, Northern High). The main level features a bright, spacious family room, kitchen with center island & included appliances, dining area with slider to the patio,

  Madelyn Rome Jaqua, REALTORS

  6760 Annandale Dr, Kalamazoo, MI 49009
• 

  

  

  /24

  $225,000

  • 3 Beds
  • 1 Bath
  • 1,024 Sq Ft

  3426 Ash St, Kalamazoo, MI 49001

  Enjoy total peace of mind in this move-in-ready ranch! This home is the best of both worlds, beautifully renovated and now supercharged with BRAND NEW BIG-TICKET UPGRADES. Forget future repairs and high utility bills. This home features a NEW Furnace, NEW Central AC, NEW Windows, and NEW Blown-in Attic Insulation (all done in 2025). Meticulously maintained, the kitchen features new flooring.

  Chris Fayling Jaqua, REALTORS

  3426 Ash St, Kalamazoo, MI 49001
• 

  

  

  /56

  $495,000

  • 5 Beds
  • 5 Baths
  • 4,687 Sq Ft

  405 Park Ave, Kalamazoo, MI 49004

  Welcome home! Beautifully maintained English Tudor on a spacious corner lot overlooking Parchment's Kindleberger Park. This remarkable home is filled with character & architectural detail, offering 5 bedrooms, 3 full baths & 2 half baths. Through the front door, you're greeted by a grand entryway featuring gorgeous wood archways. The spacious living room offers a stone fireplace & large Pella

  Shauna N. Knight-Major RE/MAX Advantage

  405 Park Ave, Kalamazoo, MI 49004
• 

  

  

  /19

  $99,900

  • 2 Beds
  • 1 Bath
  • 805 Sq Ft

  637 Davis St, Kalamazoo, MI 49007

  2-bed 1-bath home in the heart of the Vine Neighborhood Downtown Kalamazoo. Currently a rental with a month to month tenant, could make a great rental or owner occupant home. Private location tucked behind the other homes on Davis Street. Call today for a private showing!

  Adam Atwood Five Star Real Estate

  637 Davis St, Kalamazoo, MI 49007
• 

  

  /5

  $159,000

  • Land
  • 1.41 Acres
  • $112,766 per Acre

  6735 Seeco Dr, Kalamazoo, MI 49009

  1.4 acre land parcel on popular West side of Kalamazoo. Just off 9th Street, this parcel is located on Seeco Drive, which the Township plans to extend thru the adjacent neighborhood. The neighboring parcel was recently split, and the portion fronting West Main will be the new home of Maple Hill Auto Subaru. There is a large office building on the South side of Seeco Drive. WalMart, Home Depot and

  Maureen Daniel Callander Commercial

  6735 Seeco Dr, Kalamazoo, MI 49009
• 

  

  /52

  $249,900

  • 4 Beds
  • 2 Baths
  • 2,321 Sq Ft

  2313 S Westnedge Ave, Kalamazoo, MI 49008

  Home is eligible for the Kalamazoo Promise . This 4-bedroom, 2-bath Westnedge Hill bungalow offers classic charm with thoughtful updates and a prime location. Built-ins, crown molding, and a sunlit living room with a cozy fireplace create a warm and welcoming atmosphere. The updated kitchen features stainless steel appliances, while recent improvements like a new roof and washer/dryer add

  Jeff Glover Keller Williams Professionals

  2313 S Westnedge Ave, Kalamazoo, MI 49008
• 

  

  /33

  $974,500

  • 4 Beds
  • 2.5 Baths
  • 2,269 Sq Ft

  7558 W D Ave, Kalamazoo, MI 49009

  84 peaceful acres in Alamo Twp surrounds this 4 bedroom, 2 1/2 bedroom tri-level in the desired Otsego school district. The home is centered in the middle of the acreage for a private setting among tillable land, & woods with a pond to enjoy viewing deer, & other wildlife. Entry level features a family room with fireplace , 4th BR if needed or ideal for office or hobby room. There's a convenient

  Wendy Conner Greenridge Cornell & Associates

  7558 W D Ave, Kalamazoo, MI 49009
• 

  /2

  $159,900 Pre-Foreclosure

  • 3 Beds
  • 1 Bath
  • 1,448 Sq Ft

  5165 Willette Ave, Kalamazoo, MI 49048

  Welcome to this charming three-bedroom, one-bath ranch in the heart of Comstock Township! This cozy home features a spacious living area, a well-appointed kitchen, and three comfortable bedrooms. Enjoy the convenience of a two-car detached garage and a peaceful backyard perfect for relaxation or entertaining. Don’t miss out on this wonderful opportunity!

  Drew Pursley Gateway Brokerage

  

  5165 Willette Ave, Kalamazoo, MI 49048
• 

  

  /20

  $199,900

  • 3 Beds
  • 1.5 Baths
  • 1,653 Sq Ft

  1030 Dwillard Dr, Kalamazoo, MI 49048

  OPEN HOUSE SAT 12/13 NOON-1:30 PMClassic East Side Colonial with Timeless CharmThis character-filled two-story Colonial offers space, warmth, and original details throughout. Step inside to a huge formal living room with a gas log fireplace and a formal dining room that opens to a porch overlooking the fenced backyard. The spacious kitchen features an eating area, built-in double oven,

  Melody Stirk Strong Properties, LLC

  1030 Dwillard Dr, Kalamazoo, MI 49048
• 

  

  /26

  $134,999

  • 3 Beds
  • 1 Bath
  • 1,000 Sq Ft

  1908 E Stockbridge Ave, Kalamazoo, MI 49001

  Welcome to your next move-in-ready home! This charming 3 bedroom, 1 bathroom ranch offers comfortable single-level living, a spacious layout, and a massive garage/workshop that's perfect for hobbies, storage, or home-based business needs.Step inside and enjoy abundant natural light throughout the open living room, highlighted by updated windows, fresh interior paint, and durable flooring. The

  Will Howson Coldwell Banker Realty

  1908 E Stockbridge Ave, Kalamazoo, MI 49001
• 

  

  /43

  $580,000

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

  5250 Queen Victoria Ln, Kalamazoo, MI 49009

  Discover refined living in Rudgate: five generous beds, four-and-a-half baths-all fully remodeled. Spacious kitchen flows into the family room, anchored by a beautiful fireplace remodel. Owner's suite on main, three beds up with two fresh baths. Basement has brand-new flooring over a large open rec space and remodeled bath. Forty-four hundred square feet!

  David Emmons Five Star Real Estate

  5250 Queen Victoria Ln, Kalamazoo, MI 49009
• 

  

  /16

  $94,700

  • 1 Bed
  • 1 Bath
  • 724 Sq Ft

  113 Inverness Ct Unit C, Kalamazoo, MI 49006

  Enjoy low maintenance living in this beautiful, move-in ready condo with ample natural light in the Cloisters of Westwood. Conveniently located near WMU, the Arboretum Trails, West Main shopping and downtown's many dining and entertainment options. Featuring an open flow from kitchen to dining area to living room that then leads to your large, garden patio with wooded views just perfect for

  Bill Zehner O'Brien Real Estate

  113 Inverness Ct Unit C, Kalamazoo, MI 49006
• 

  /2

  $950,000

  • Land
  • 1.38 Acres
  • $688,406 per Acre

  717 & 823 S Drake Rd Unit Pcl 3A, Kalamazoo, MI 49006

  OFFICE/RETAOFFICE/RETAIL DEVELOPMENT OPPORTUNITY: Join Mercantile Bank, Sprout Early Care & Preschool and the Parkway Flats 241-unit apartment complex on Kalamazoo's west side. Fronting Drake Road and/or Arboretum Parkway, parcels range from 0.64 - 2.56 acres. Located at lighted intersection - just south of W. Main retail corridor and west of the WMU campus - adjacent to Linden Grove Middle

  Jodi Milks NAI Wisinski of West Michigan

  717 & 823 S Drake Rd Unit Pcl 3A, Kalamazoo, MI 49006
• 

  

  /26

  $245,000

  • 2 Beds
  • 1 Bath
  • 1,135 Sq Ft

  5418 Keyes Dr, Kalamazoo, MI 49004

  0.4 mi to Kindleberger Park • Fenced yard • Updated bath • Extra-deep garage • Basement rec spaceSingle-story ranch in Cooper Township offering 1,135 sq ft above grade plus finished basement space for hobbies or storage. Recent bathroom update adds modern fixtures and tile. Spacious living area with hardwood flooring and natural light. Kitchen opens to dining nook overlooking the fenced

  Blaine Allen BHG Connections

  5418 Keyes Dr, Kalamazoo, MI 49004
• 

  

  /35

  $309,900

  • 3 Beds
  • 1.5 Baths
  • 1,692 Sq Ft

  6779 E Mn Ave, Kalamazoo, MI 49048

  OPEN HOUSE SUNDAY Nov 23rd 3:00- 4:00 Pm. Don't miss out on this country charmer located on 1.2 ACRES. Home features many UPDATES including a newer roof, furnace, A/C, new carpeting throughout the 2nd floor, new luxury vinyl installed in the side entry and 1/2 bath, stainless steel appliances 2022. Other improvements include an electric fence , high speed internet, and a Reverse Osmosis water

  CARLE WATTS Lifestyles Real Estate and Staging LLC

  6779 E Mn Ave, Kalamazoo, MI 49048
• 

  

  /35

  $319,900

  • 3 Beds
  • 3 Baths
  • 1,988 Sq Ft

  7191 Glendora Ln Unit 9, Kalamazoo, MI 49009

  Better than new this gently lived in 3 bedroom 3 full bath condo is ready to go! Move right in and enjoy the space w/ beautiful cabinetry, FP and open vaulted living room, kitchen and eating area. All living can be done on the main floor including the laundry area with a sliding barn door. Great size primary suite w/ large closet with custom custom built in's, and full bath. As a bonus is the 2nd

  Joyce Vos Chuck Jaqua, REALTOR

  7191 Glendora Ln Unit 9, Kalamazoo, MI 49009
• 

  

  /20

  $84,900

  • 1 Bed
  • 1 Bath
  • 682 Sq Ft

  3659 Kenbrooke Ct, Kalamazoo, MI 49006

  3659 Kenbrooke Court - End Unit Condo with Sunset ViewsEnjoy incredible sunsets from this desirable end unit in Kenbrooke Court! The kitchen features wood cabinets, an electric range, and refrigerator. The spacious living room opens through sliding glass doors to a private patio—perfect for relaxing or entertaining. Convenient storage is available under the stairs. Upstairs, the large primary

  Melody Stirk Strong Properties, LLC

  3659 Kenbrooke Ct, Kalamazoo, MI 49006
• 

  

  /10

  $25,000

  • Land
  • 0.19 Acre
  • $131,579 per Acre

  619 Lake St, Kalamazoo, MI 49001

  Welcome to this exceptional 0.189-acre buildable lot, perfectly located in the vibrant city of Kalamazoo. This prime piece of land offers a rare opportunity to create the custom home you've always envisioned. Nestled in an established neighborhood, the property provides the ideal blend of privacy and convenience — just minutes from downtown amenities, parks, schools, and major highways.

  Tucker Onderlinde Smallegan Real Estate

  619 Lake St, Kalamazoo, MI 49001
• 

  

  /26

  $155,000

  • 3 Beds
  • 1.5 Baths
  • 1,448 Sq Ft

  1312 Wells Place, Kalamazoo, MI 49001

  Welcome to Wells Place! 3 bedroom, 1.5 bath home on two lots for the price of one! This home features main floor laundry and a primary bedroom with an attached half bath. All the appliances stay with the home, making it move-in ready. Additional features include an enclosed front porch, a large detached 2-stall garage, and a fenced in yard! This house is ready for you to make it your own. Sale

  Alex Jeffries CENTURY 21 Affiliated

  1312 Wells Place, Kalamazoo, MI 49001
• 

  

  /11

  $499,999

  824 S Westnedge Ave, Kalamazoo, MI 49008

  This mixed-use property in the Vine Neighborhood has a good rental history in the residential units, which are all affordable efficiency and one-bedroom apartments. Each unit has newer flooring and paint, separate electric and gas for cooking (landlord pays for heat & water), and an off-street parking space. The commercial units have a new storefront, new water heater, and a newer membrane roof.

  Rob Peterson Dover Birch & Associates

  824 S Westnedge Ave, Kalamazoo, MI 49008
• 

  

  /19

  $144,837

  • 3 Beds
  • 2 Baths
  • 1,172 Sq Ft

  617 Wheaton Ave, Kalamazoo, MI 49008

  Welcome to 617 Wheaton Avenue, a 3-bedroom, 2-bath home in the heart of Kalamazoo. Currently used as a rental property, this home is an excellent opportunity for investors or anyone seeking a versatile residence with strong income potential. Inside, you'll find a functional floor plan with spacious living areas, three comfortable bedrooms, and two full bathrooms. The layout provides flexibility

  Brynn Bird Michigan Top Producers

  617 Wheaton Ave, Kalamazoo, MI 49008
• 

  

  /18

  $73,000

  • 3 Beds
  • 2 Baths

  3566 W Wembley Ln, Kalamazoo, MI 49009

  This beautiful mobile home in Huntington Estates offers the perfect mix of space and comfort. Featuring three bedrooms and two bathrooms, the layout is designed for convenience with the master bedroom including a private connected bathroom. The home has a huge living area that flows into the kitchen, which comes with a new sink and sleek black appliances. The bedrooms are located toward the back

  Tara Crago First Choice Mobile Home Sales

  3566 W Wembley Ln, Kalamazoo, MI 49009
• 

  

  /11

  $110,000

  • Land
  • 1.24 Acres
  • $88,710 per Acre

  5760 Dutch Pine Ct Unit 36, Kalamazoo, MI 49009

  Scott Carlson Carlson, REALTORS & Development, LLC

  5760 Dutch Pine Ct Unit 36, Kalamazoo, MI 49009
• 

  

  /34

  $245,900

  1516 Nazareth Rd, Kalamazoo, MI 49048

  Live in one unit and rent the other to offset or cover your mortgage-don't miss this opportunity! Multi family duplex. Excellent opportunity for owner-occupants or investors! This well-maintained duplex offers 2 updated 2 bed / 1 bath units with separate entrances, private laundry in each unit, and strong rental history. Both units feature new flooring, fresh paint, and updated light fixtures.

  Amanda Atwood Five Star Real Estate

  1516 Nazareth Rd, Kalamazoo, MI 49048
• 

  

  /38

  $145,000

  • 3 Beds
  • 2 Baths
  • 1,461 Sq Ft

  923 E Stockbridge Ave, Kalamazoo, MI 49001

  0.6 mi to Upjohn Park • 1.2 mi to Downtown Kalamazoo • Kalamazoo Promise eligible Welcome to this 3-bedroom, 2-bath traditional home offering 1,461 sq ft of finished living space in the heart of Kalamazoo. Fresh updates include new flooring and paint throughout, giving the home a clean, move-in-ready feel. The main level features a functional layout with a comfortable living area, dining space,

  Blaine Allen BHG Connections

  923 E Stockbridge Ave, Kalamazoo, MI 49001
• 

  

  /28

  $399,000

  • 4 Beds
  • 3 Baths
  • 2,496 Sq Ft

  332 Club View Dr, Kalamazoo, MI 49009

  Kalamazoo Promise Qualified!This warm and inviting 4-bedroom, 3-bath home is filled with natural light and surrounded by peaceful, wooded views. Cathedral ceilings, skylights, and French doors create an open, airy feel, leading you from the main living area out to a wrap-around deck perfect for morning coffee, gatherings, or simply unwinding at the end of the day. The finished walkout

  Michael Jones ERA Reardon Realty

  332 Club View Dr, Kalamazoo, MI 49009
• 

  

  /3

  $15,000

  • Land
  • 0.2 Acre
  • $75,000 per Acre

  665 Shields St, Kalamazoo, MI 49048

  Build or place your home on this lot in the Shields Addition neighborhood of Comstock Charter Township with lower taxes and great location near Gull Rd for shopping, dining, and services and Sprinkle Rd. for access to highways and business corridor. The lot has 60 ft. of frontage and extends back 133 ft. Electricity and natural gas are available. Homes are on well and septic.

  Gloria Royal ERA Reardon Realty

  665 Shields St, Kalamazoo, MI 49048
• 

  

  /4

  $249,000

  • Land
  • 2.5 Acres
  • $99,600 per Acre

  2 Industry Dr Unit Commercial, Kalamazoo, MI 49009

  Commercial land available for Development. 2.5 acres of land along Parkview Avenue. Land split would be required and this parcel would be zoned C: Local Business District. See Article 10 for permitted uses. The city water is approximately 500' away and sewer is to the site. The topography is flat as this has always been farm land. All existing irrigation systems and farming equipment are not part

  Dave Keyte Callander Commercial

  2 Industry Dr Unit Commercial, Kalamazoo, MI 49009
• 

  

  /33

  $409,900

  • 5 Beds
  • 2.5 Baths
  • 3,376 Sq Ft

  6107 Equestrian Woods Ct Unit 267, Kalamazoo, MI 49009

  Move-in ready beauty in Applegate! Fresh interior paint and brand-new carpet give this 5-bed, 2.5-bath home a crisp, modern feel from the moment you walk in. The open main level features a huge living room, granite & stainless kitchen with island, dining area, and bonus sunroom. Upstairs you'll find a convenient loft, laundry, three generous bedrooms, and a spacious primary suite with walk-in

  Natalie Rowe RE/MAX Advantage

  6107 Equestrian Woods Ct Unit 267, Kalamazoo, MI 49009
• 

  

  /26

  $230,000

  • 4 Beds
  • 2 Baths
  • 1,507 Sq Ft

  5590 Lucerne Ave, Kalamazoo, MI 49048

  Welcome to this adorable and move in ready 4 bedroom and 2 bathroom gem nestled in a highly desired Comstock neighborhood.Primary floor features the 3 main bedrooms and updated bathroom. Basement is partially finished with 1 bonus extra bedroom and living room. Make these your office, home gym or your home theater.The laundry room and unfinished space round out the basement.(2nd

  Juliet Altman Bellabay Realty, LLC

  5590 Lucerne Ave, Kalamazoo, MI 49048
• 

  

  /20

  $195,000

  • 2 Beds
  • 1 Bath
  • 976 Sq Ft

  4637 Weston Ave, Kalamazoo, MI 49006

  Very well maintained two-bedroom condo in Leisure Pointe Condominiums, a 55+ community. Main floor laundry with washer & dryer included. Three-season porch off of living room. Good sized kitchen with newer stove, refrigerator, dishwasher & microwave. Air conditioning replaced in 2019 and water heater in 2022. Full basement. One car detached garage. Visit the website at

  Diane Bornhorst Berkshire Hathaway HomeServices MI

  4637 Weston Ave, Kalamazoo, MI 49006
• 

  

  /22

  $495,900

  • 4 Beds
  • 3.5 Baths
  • 3,532 Sq Ft

  7839 Clydesdale Ave Unit 93, Kalamazoo, MI 49009

  Welcome to this gorgeous 4-bedroom, 3.5-bath home, ideally situated near Kalamazoo Valley, local shopping, dining, parks, and more! The seller is highly motivated and offering a $1,500 closing cost credit, making this an incredible opportunity. As you enter, you'll be greeted by brand-new carpeting throughout and a whole-home audio system, bringing both comfort and modern convenience to every

  Greg Miller Berkshire Hathaway HomeServices MI

  7839 Clydesdale Ave Unit 93, Kalamazoo, MI 49009
• 

  

  /31

  $324,900

  • 4 Beds
  • 2.5 Baths
  • 3,039 Sq Ft

  6208 Meadowview Ave, Kalamazoo, MI 49048

  Beautiful 1,639 sq ft brick ranch in desirable Gull Meadows. Home offers great layout for entertaining. Custom kitchen has maple cabinetry, built-in desk, pantry & snack bar for bar stools & laminate floor. Spacious eating area features 2-way fireplace & French door leading to brick patio & fenced back yard. Large living room has coved ceiling, fireplace & bay window. Main bath has curb-less

  Kathryn Peterson Hughey, REALTORS Inc.

  6208 Meadowview Ave, Kalamazoo, MI 49048
• 

  $399,900 New Construction

  • 3 Beds
  • 3 Baths
  • 2,122 Sq Ft

  273 Hickory Valley Dr, Kalamazoo, MI 49009

  Ranch style condo with larger kitchen complete with walk-in pantry and snack ledge in island. Primary suite features a private bathroom, spacious walk-in closet with optional access to main floor laundry. A second bedroom is at the front of the condo and has its own private bathroom as well. Powder bathroom and mudroom for guests to use. This floorplan is a 2 and 3 unit in the Redstone Farms,

  Interra Homes Builder

  273 Hickory Valley Dr, Kalamazoo, MI 49009
• 

  

  /30

  $313,700

  • 2 Beds
  • 2 Baths
  • 1,316 Sq Ft

  222 N Kalamazoo Mall Unit 320, Kalamazoo, MI 49007

  A rare opportunity to own a beautiful, historic, two-bedroom, downtown condo. The exposed brick gives a rustic, yet modern feel. The character in the wood floors speaks to history of the building. The open concept floorplan allows for the natural light to spread through the entire space. The primary bedroom has an attached full bathroom. A private balcony overlooks the Kalamazoo cityscape and the

  Nate Hawthorne Chuck Jaqua, REALTOR

  222 N Kalamazoo Mall Unit 320, Kalamazoo, MI 49007
• 

  

  /27

  $158,900

  • 2 Beds
  • 1.5 Baths
  • 874 Sq Ft

  2921 Virginia Ave, Kalamazoo, MI 49004

  2 Bedroom, 1 1/2 bath, full basement, 2 car garage with large partially fenced in rear yard. Kalamazoo Promise eligible. Two main floor bedrooms with plenty of closet space. Upstairs is just waiting to be finished off. Attractive rear yard that opens up to an adjacent heavily wooded area.

  Douglas Post The Lo Company, LLC

  2921 Virginia Ave, Kalamazoo, MI 49004
• 

  

  /7

  $119,900

  • Land
  • 0.16 Acre
  • $749,375 per Acre

  415 Oakland Dr, Kalamazoo, MI 49007

  Kalamazoo development opportunity. Vacant parcel in the Vine/South street neighborhood. Numerous possibilities for the property include building townhomes, parking, and many more uses. The parcel is zoned LW1 - Live-Work 1 District . The former convenience store directly next door is also currently for sale. The property is also directly adjacent to a historic district, but is located outside the

  Daniel O'Brien O'Brien Real Estate

  415 Oakland Dr, Kalamazoo, MI 49007
• 

  

  /3

  $15,000

  • Land
  • 0.05 Acre
  • $300,000 per Acre

  826 Vine Place, Kalamazoo, MI 49008

  This unique parcel is located in the heart of the historic Vine Neighborhood in downtown Kalamazoo. This land was previously improved with a historic home that was destroyed by fire in 2024. The damaged structure was demolished in compliance with the City of Kalamazoo, and the remaining parcel is an excellent investment opportunity. Property is zoned for residential, multi-dwelling (RM-15).

  Jeremy Blair eXp Realty LLC

  826 Vine Place, Kalamazoo, MI 49008
• 

  

  /23

  $89,900

  • 1 Bed
  • 1 Bath
  • 650 Sq Ft

  756 W Kilgore Rd Unit 108, Kalamazoo, MI 49008

  Welcome to easy living in this beautifully maintained 675 sq ft condo, perfectly situated near shopping and i-94. Whether you're a first-time buyer, downsizing, or looking for a smart investment, this cozy 1-bedroom, 1-bath unit offers comfort, convenience, and unbeatable value.

  Craig Babb RE/MAX Advantage

  756 W Kilgore Rd Unit 108, Kalamazoo, MI 49008

Showing Results 321 - 360, Page 9 of 14