Lower Merion Township, PA Homes for Sale

• 

  

  

  /3

  $375,000

  Coming Soon

  • 3 Beds
  • 2.5 Baths
  • 1,730 Sq Ft

  20 Montgomery Ave Unit D, Bala Cynwyd, PA 19004

  Welcome to 20 Montgomery Ave #D, a spacious 3-bedroom, 2.5-bath townhouse in the highly sought-after Bala Cynwyd section of Lower Merion Township. Thoughtfully refreshed with new carpet throughout, this three-story home offers a functional layout with a one-car garage, an assigned parking space, and central air. The main level features laminate hardwood flooring, a bright living room with a

  Elan Elkaim KW Empower

  20 Montgomery Ave Unit D, Bala Cynwyd, PA 19004
• 

  

  

  /28

  $415,000

  • 3 Beds
  • 1.5 Baths
  • 1,280 Sq Ft

  4795 Silverwood St, Philadelphia, PA 19128

  Welcome to this beautifully renovated porch-front home in the heart of Manayunk. Ideally located just minutes from Main Street, regional rail train stations, and the Schuylkill River Trail, this move-in-ready property offers the perfect combination of modern updates and convenience. The home has been renovated throughout and features a brand-new kitchen with stylish finishes, updated bathrooms,

  Colin Good Compass RE

  4795 Silverwood St, Philadelphia, PA 19128
• 

  

  

  /25

  $300,000

  $25K PRICE DROP

  • 4 Beds
  • 2 Baths
  • 1,170 Sq Ft

  4857 Umbria St, Philadelphia, PA 19127

  Welcome to 4857 Umbria Street, a fully renovated 4 bedroom, 2 bathroom Manayunk townhome offering true turnkey living with hardwood floors throughout and an exceptional oversized private rear yard, with a PPA parking lot located directly across the street. This home has just undergone a complete cosmetic overhaul including newly sanded and stained hardwood flooring across all levels and fresh

  Frank DeFazio BHHS Fox & Roach-Center City Walnut

  4857 Umbria St, Philadelphia, PA 19127
• 

  

  

  /27

  $485,000

  • 2 Beds
  • 2 Baths
  • 1,305 Sq Ft

  264 W Montgomery Ave Unit 304, Ardmore, PA 19003

  Welcome to the Mansard House! Come experience this lovely two bed, two bath, unit for sale in a quiet building nestled in the heart of the Main Line. Enter through the front door and immediately feel at home. The natural light plays beautifully off of the finished parquet hardwood floors found throughout the unit. The kitchen has been thoughtfully upgraded over the years to include newer counter

  William Wolverton Wolverton & Company LLC

  264 W Montgomery Ave Unit 304, Ardmore, PA 19003
• 

  

  

  /13

  $1,348,000

  New Construction $189K PRICE INCREASE

  • 5 Beds
  • 4 Baths
  • 2,875 Sq Ft

  Lot 1 Arden Rd, West Cnshohocken, PA 19428

  QUICK DELIVERY! This house will be ready by summer 2026! Now is your chance to own a rare new construction house in Upper Merion and the Upper Merion School District. Upper Merion was just ranked as one of the best places to live by Fortune Magazine. You'll own one of 4 new construction lots in a community with no HOA or lot premiums. With 5 Bedrooms and 4 Full Baths, this new home will provide

  Kevin Houghton KW Greater West Chester

  Lot 1 Arden Rd, West Cnshohocken, PA 19428
• 

  

  /26

  $339,000

  $16K PRICE DROP

  • 3 Beds
  • 1.5 Baths
  • 1,328 Sq Ft

  412 Delmar St, Philadelphia, PA 19128

  Welcome to this beautifully renovated and meticulously maintained 3 bedroom, 1.5 bath brick twin, offering the perfect blend of charm and modern updates! A covered front porch welcomes you into a spacious living room featuring high ceilings, large sun-filled windows and convenient under-stair storage. A charming archway leads into the dining area, highlighted by stunning built-ins. This area

  Al LaBrusciano Keller Williams Real Estate-Blue Bell

  412 Delmar St, Philadelphia, PA 19128
• 

  /2

  $1,695,000

  $305K PRICE DROP

  • Land
  • 1.42 Acres
  • $1,193,662 per Acre

  22 Foxwood Cir, Bryn Mawr, PA 19010

  Discover an extraordinary opportunity to create your dream estate on this stunning 1.42-acre lot, nestled in an exclusive cul-de-sac that promises both privacy and prestige. This remarkable parcel of land is a blank canvas, ready for your vision to unfold amidst a backdrop of natural beauty and tranquility. Imagine waking up each day to the gentle rustle of leaves and the serene sounds of nature,

  Jeff Pendergast Compass RE

  22 Foxwood Cir, Bryn Mawr, PA 19010
• 

  

  /29

  $265,000

  • Studio
  • 1,842 Sq Ft

  5201 Euclid St, Philadelphia, PA 19131

  Three-Unit Wynnefield Property with Income Potential A rare triplex offering flexible living options and steady rental income in a prime Philadelphia location. Set in the heart of Wynnefield, this property is minutes from St. Joseph’s University, the Please Touch Museum, and the green spaces of Fairmount Park. City Avenue’s shopping and dining are right around the corner, and commuters will

  Justin Bresson Keller Williams Main Line

  5201 Euclid St, Philadelphia, PA 19131
• 

  

  /32

  $152,000

  $7K PRICE DROP

  • 1 Bed
  • 1 Bath
  • 600 Sq Ft

  1030 E Lancaster Ave Unit 410, Bryn Mawr, PA 19010

  Bright & Light 1 Bedroom on the fourth floor of the Radnor House. Brand NEW kitchen cabinetry with granite counter tops and new appliances, including microwave being installed. Eat-in-Kitchen, dining area, living room, bedroom, hall bath. Gorgeous hardwood floors. Refrigerator, gas stove, DW, A/C wall units, , coin-op laundry on lower level, on-site maintenance, large off-street parking lot,

  Dina Holt Springer Realty Group

  1030 E Lancaster Ave Unit 410, Bryn Mawr, PA 19010
• 

  

  /18

  $259,500

  • 1 Bed
  • 1 Bath
  • 858 Sq Ft

  1637 Oakwood Dr Unit S121, Penn Valley, PA 19072

  BUYER'S FINANCING FELL THROUGH - BACK ON THE MARKET! This is your opportunity to move into a beautiful 1st floor unit at the Oak Hill South Terrace. Kitchen has cherry cabinets, with granite countertops, stainless steel appliances, under cabinet lighting and neutral floor tile. Neutral wall to wall carpeting in living room, dining room and bedroom. Custom window treatments. Redone bathroom with

  Fay Mushlin Herbert Yentis & Company-Philadelphia

  1637 Oakwood Dr Unit S121, Penn Valley, PA 19072
• 

  

  /26

  $499,900

  • 4 Beds
  • 2.5 Baths
  • 2,568 Sq Ft

  237 Pensdale St, Philadelphia, PA 19128

  James Parrella Parrella Realty & Propert Management

  237 Pensdale St, Philadelphia, PA 19128
• 

  

  /39

  $379,900

  $20K PRICE DROP

  • 4 Beds
  • 1.5 Baths
  • 2,163 Sq Ft

  302 Fountain St, Philadelphia, PA 19128

  Refreshed and ready for a new owner! This four bedroom Roxborough twin has tons of space inside and out. The main floor has original wood floors through the living and dining spaces. The airy kitchen is well appointed with stainless appliances and new vinyl flooring. To the rear you will find a very useful mudroom/laundry room with powder room that leads out to the sun-drenched patio and yard.

  Rob Kowalchik Compass RE

  302 Fountain St, Philadelphia, PA 19128
• 

  

  /37

  $545,000

  $104K PRICE DROP

  • 2 Beds
  • 2 Baths
  • 1,496 Sq Ft

  41 Conshohocken State Rd Unit 603, Bala Cynwyd, PA 19004

  Refreshed price!!!Step into luxury and comfort with this beautifully renovated 2-bedroom, 2-bathroom condominium at the Fairmont. Spanning 1,496 square feet, this thoughtfully designed home offers an inviting open floor plan that seamlessly blends style and functionality. The entryway greets you with gleaming cherry hardwood floors, a spacious coat closet, and an oversized storage closet. The

  Gail Kardon Compass RE

  41 Conshohocken State Rd Unit 603, Bala Cynwyd, PA 19004
• 

  

  /56

  $1,100,000

  • 3 Beds
  • 3.5 Baths
  • 3,190 Sq Ft

  4574 Riverside Way, Philadelphia, PA 19127

  Welcome to life at The Locks, Manayunk's premier waterfront community located on a along the Schuylkill River. Offering a rare blend of privacy, luxury, and convenience, this exceptional townhome places you just steps from Main Street's restaurants, shops, nightlife and the Towpath, while providing easy access to Center City and the Main Line. Built in 2019, this beautifully upgraded residence

  ERIN RIGO Keller Williams Main Line

  4574 Riverside Way, Philadelphia, PA 19127
• 

  

  /47

  $650,000

  $25K PRICE DROP

  • 5 Beds
  • 2 Baths
  • 2,157 Sq Ft

  562 Barrett Ave, Haverford, PA 19041

  Welcome to 562 Barrett Ave, a 3 Story, 5-6 Bedroom and 2 Full Bath, Haverford treasure with character, space, and unbeatable walkability, nestled on one of the most charming, tree lined streets, within the award winning Lower Merion Township. This classic home offers timeless architectural details, generous living spaces, and an unbeatable location just steps from everything the Main Line has to

  Hala Imms BHHS Fox & Roach-Rosemont

  562 Barrett Ave, Haverford, PA 19041
• 

  

  /32

  $365,000

  • 2 Beds
  • 2 Baths
  • 1,144 Sq Ft

  1655 Oakwood Dr Unit CONDO 316, Penn Valley, PA 19072

  Welcome to the coveted Oak Hill Condominium North Terrace, where comfort, convenience, and modern living come together in this beautifully maintained 2-bedroom, 2-bathroom condo. This spacious residence offers an open and inviting layout featuring a bright living and dining area, perfect for entertaining or relaxing at home. The updated kitchen includes ample cabinetry, modern appliances, and

  Linda Glass Compass RE

  1655 Oakwood Dr Unit CONDO 316, Penn Valley, PA 19072
• 

  

  /26

  $149,900

  • 3 Beds
  • 1 Bath
  • 1,399 Sq Ft

  5718 W Oxford St, Philadelphia, PA 19131

  1,400 sf property in need of work, handyman special... located between West Parkside & Overbrook farms! 3 bedrooms. 1 bath, basement and garage. Recently homes in that area have been sold for over 300k Excellent investment to renovate and live in it or flip it!! Seller never lived in the property. Property is sold in AS-IS conditions!!! Any questions call the agent.Seller is related to the

  Artur Santos Premier Real Estate Inc

  5718 W Oxford St, Philadelphia, PA 19131
• 

  

  /70

  $2,499,900

  $100K PRICE DROP

  • 6 Beds
  • 7.5 Baths
  • 7,945 Sq Ft

  50 Fairview Rd, Penn Valley, PA 19072

  Stunning home on one of Penn Valley’s most desirable streets. Extensively renovated in 2019, this exceptional custom home offers 6 bedrooms, 7 full baths, and 1 half bath across more than 8,000 square feet of beautifully designed living space. Privately situated on a 2.78-acre interior lot, the home showcases a sophisticated transitional style, oversized windows, and wide-plank hardwood floors

  Jessica Enochs BHHS Fox & Roach-Haverford

  50 Fairview Rd, Penn Valley, PA 19072
• 

  

  /34

  $600,000

  $10K PRICE DROP

  • 3 Beds
  • 2.5 Baths
  • 2,088 Sq Ft

  259 Leverington Ave, Philadelphia, PA 19127

  Welcome to this stunning contemporary home in Manayunk, offering the perfect blend of city convenience and modern comfort. Built just a few years ago, this light-filled home features a dramatic two-story glass wall, 2-CAR GARAGE The open-concept main level includes a gourmet kitchen with 42" cabinetry, quartz countertops, and Bosch appliances, flowing into a spacious living area with a gas

  Noah Berson KW Empower

  259 Leverington Ave, Philadelphia, PA 19127
• 

  

  /49

  $1,375,000

  • 4 Beds
  • 3.5 Baths
  • 3,925 Sq Ft

  206 Kalos St, Philadelphia, PA 19128

  206 Kalos Street delivers the rare combination of luxury new construction, thoughtful designer upgrades, and one of Philadelphia’s most connected outdoor lifestyles — all tucked within the coveted Wissahickon/Manayunk corridor. Built less than a year ago and benefiting from a full 10-year tax abatement, this expansive townhome offers nearly 4,000 square feet of elevated living space, a two-car

  Erica McDonald Howard Hanna Real Estate Services

  206 Kalos St, Philadelphia, PA 19128
• 

  

  /45

  $529,900

  $95K PRICE DROP

  • 5 Beds
  • 3 Baths
  • 2,855 Sq Ft

  370 Paoli Ave, Philadelphia, PA 19128

  A rare opportunity in Roxborough, this expansive ranch home sits on just over half an acre and offers exceptional versatility, privacy, and investment potential. The main home features four bedrooms and two full baths, including a private primary suite that is thoughtfully separated from the other bedrooms, complete with its own full bath and a covered terrace, ideal for morning coffee or quiet

  Luisa Ramondo Kurfiss Sotheby's International Realty

  370 Paoli Ave, Philadelphia, PA 19128
• 

  

  /36

  $995,000

  Coming Soon

  • 5 Beds
  • 3.5 Baths
  • 2,160 Sq Ft

  424 Haverford Ave, Narberth, PA 19072

  Situated on an extra-wide lot in the heart of Narberth, 424 Haverford Avenue seamlessly blends timeless character with thoughtful updates, offering exceptional indoor and outdoor living in one of Lower Merion Township's most sought-after neighborhoods! A welcoming front porch leads into the center hall foyer, complete with a convenient coat closet and beautiful hardwood floors that continue

  John Duffy Duffy Real Estate-Narberth

  424 Haverford Ave, Narberth, PA 19072
• 

  

  /16

  $167,000

  $47K PRICE DROP

  • 2 Beds
  • 2 Baths
  • 1,222 Sq Ft

  1001 City Ave Unit W-816, Wynnewood, PA 19096

  Welcome to the coveted Green Hill community on 23 acres of lush landscaped grounds on the Main Line. Prepare to find great value with this spacious, 2 bedroom, 2 bathroom 1222 Sq.Ft. condominium home in the preferred West Building, poised for your personal touches and imagination. Embrace the warmth of natural light from the large windows in every room. This generously sized unit promises easy

  Christine DiJulio Engel & Völkers

  1001 City Ave Unit W-816, Wynnewood, PA 19096
• 

  

  /61

  $3,595,000

  • 5 Beds
  • 7 Baths
  • 10,194 Sq Ft

  737 Eagle Farm Rd, Villanova, PA 19085

  Real estate taxes under appeal. Attorney forsees a meaningful reduction. At the end of a cul-de-sac in Villanova, on 1.26 level, manicured acres, this Pohlig-built stone manor home demonstrates the construction discipline and architectural consistency that define the builder’s work. A front-to-rear center hall organizes the first floor, with the staircase set centrally and light drawn from both

  Robin Gordon BHHS Fox & Roach-Haverford

  737 Eagle Farm Rd, Villanova, PA 19085
• 

  

  /23

  $385,000

  $15K PRICE DROP

  • 2 Beds
  • 2 Baths
  • 1,250 Sq Ft

  118 Montrose Ave Unit C, Bryn Mawr, PA 19010

  Welcome to 118 Montrose — a refined penthouse offering the perfect blend of space, style, and everyday functionality. Featuring Radnor school district at an affordable level. Spanning 1,238 square feet, this thoughtfully designed residence delivers elevated living with an ideal layout for both relaxing and entertaining.Inside, you’re greeted by a warm entry foyer that opens into a bright,

  Leo Day Compass RE

  118 Montrose Ave Unit C, Bryn Mawr, PA 19010
• 

  

  /28

  $329,999

  New Construction

  • 2 Beds
  • 2 Baths
  • 1,100 Sq Ft

  4013 Marilyn Dr Unit A95, Philadelphia, PA 19131

  Why rent when you can own a brand-new luxury townhome with a 10-year tax abatement for a comparable monthly cost? Welcome to Wynnefield Heights Square, one of Philadelphia’s most exciting new construction communities. This beautifully designed 2-bedroom, 2-bath residence offers the perfect combination of modern style, low-maintenance living, and long-term value. Sunlight pours through oversized

  Ryan Quinn Space & Company

  4013 Marilyn Dr Unit A95, Philadelphia, PA 19131
• 

  

  /20

  $152,500

  $12K PRICE DROP

  • 2 Beds
  • 1 Bath
  • 1,226 Sq Ft

  191 Presidential Blvd Unit R414, Bala Cynwyd, PA 19004

  Welcome to Residence R414 at 191 Presidential Blvd, a spacious condominium in one of Bala Cynwyd’s most prestigious full-service buildings. This light-filled home features an open living and dining area, private balcony, and the convenience of all utilities included in the monthly fee. Residents enjoy resort-style amenities including a pool, fitness center, tennis courts, social rooms, and

  Dawn Masenya Vylla Home

  191 Presidential Blvd Unit R414, Bala Cynwyd, PA 19004
• 

  

  /5

  $125,000

  • Land
  • 1,742 Sq Ft
  • $3,125,000 per Acre

  5661 Lebanon Ave, Philadelphia, PA 19131

  Seller is related to Agent.

  Poonam Singhal VORO Keystone, LLC

  5661 Lebanon Ave, Philadelphia, PA 19131
• 

  

  /30

  $425,000

  • 3 Beds
  • 1.5 Baths
  • 1,480 Sq Ft

  4326 Mitchell St, Philadelphia, PA 19128

  Looking for a sweet and spacious Roxborough home? Look no further, 4326 Mitchell Street has it all. With a wrap around front porch and original features inside and out, this home is charming, functional, and well updated.The entry way invites you in, and leads you first into the office. With French doors, this bonus room can be used as an additional living space, for guests, working from

  Ang Yannessa Real of Pennsylvania

  4326 Mitchell St, Philadelphia, PA 19128
• 

  

  /15

  $2,600,000

  • 6 Beds
  • 6 Baths
  • 6,065 Sq Ft

  1443 Lanes End, Villanova, PA 19085

  Nestled on a beautifully landscaped 0.79-acre lot in the sought-after Harriton Farm neighborhood of Villanova, this elegant center hall Colonial offers 5 bedrooms, 4 full bathrooms, and 2 half bathrooms with exceptional indoor and outdoor living spaces. A heated inground pebble pool with jacuzzi/hot tub and expansive flagstone patio create a private backyard retreat perfect for relaxing or

  Damon Michels KW Main Line - Narberth

  1443 Lanes End, Villanova, PA 19085
• 

  

  /15

  $185,000

  • 3 Beds
  • 1 Bath
  • 1,232 Sq Ft

  5316 W Columbia Ave, Philadelphia, PA 19131

  Showings are drive by only until June. Looking to buy a home this summer, add this listing to your summer showing schedule!

  Yve Banks Valor Real Estate, LLC.

  5316 W Columbia Ave, Philadelphia, PA 19131
• 

  

  /22

  $469,000

  • Studio
  • 1,606 Sq Ft

  7034 Valley Ave, Philadelphia, PA 19128

  Exceptional DUPLEX in a highly desirable Roxborough location! Just minutes from public transportation, shopping, dining, and local parks, this well-maintained property offers both convenience and investment potential. Each spacious unit features two bedrooms with ample closet space, a full kitchen that flows seamlessly into a dining area, and a large, comfortable living room perfect for everyday

  Al LaBrusciano Keller Williams Real Estate-Blue Bell

  7034 Valley Ave, Philadelphia, PA 19128
• 

  

  /15

  $314,900

  $5K PRICE DROP

  • 3 Beds
  • 1 Bath
  • 1,170 Sq Ft

  107 Kingsley St, Philadelphia, PA 19127

  Welcome to this beautifully updated 3-bedroom, 1-bath home offering the perfect blend of modern upgrades and classic Philadelphia charm in the heart of Manayunk. Step inside to a bright and spacious main level featuring a traditional yet open flow, enhanced by recessed lighting, wide-plank flooring, and abundant natural light. The living and dining areas provide ample space for both relaxing and

  Lisa Murphy Compass RE

  107 Kingsley St, Philadelphia, PA 19127
• 

  

  /46

  $449,900

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

  260 Roxborough Ave, Philadelphia, PA 19128

  Welcome to 260 Roxborough Ave, a stunning home located in Philadelphia’s highly desirable Manayunk neighborhood. This exceptional residence perfectly blends timeless design, modern luxury, and everyday comfort, all while offering unparalleled convenience to Main Street Manayunk, Regional Rail service, the Schuylkill River Trail, and easy access to Center City Philadelphia's finest dining,

  William Sarr Weichert Realtors

  260 Roxborough Ave, Philadelphia, PA 19128
• 

  

  /3

  $575,000

  $24K PRICE DROP

  • 2 Beds
  • 1 Bath
  • 1,200 Sq Ft

  317 Marywatersford Rd, Bala Cynwyd, PA 19004

  Fantastic opportunity to build your dream home in the heart of Bala Cynwyd! This .30-acre corner property offers endless potential—whether you choose to design a custom residence or reimagine the existing 1,200 sq ft, 2-bedroom, 1-bath home currently on site. Located in one of Lower Merion’s most desirable neighborhoods, this property sits just steps from the Belmont Hills Library, community

  Damon Michels KW Main Line - Narberth

  317 Marywatersford Rd, Bala Cynwyd, PA 19004
• 

  

  /27

  $324,900

  • 4 Beds
  • 2.5 Baths
  • 1,811 Sq Ft

  5517 Hunter St, Philadelphia, PA 19131

  Luxury city living awaits in this beautifully renovated 3-story townhome featuring 4 bedrooms and 3 full bathrooms. From the moment you enter, you'll appreciate the attention to detail, modern design, and high-end finishes throughout. The open floor plan is ideal for entertaining, while the kitchen boasts sleek cabinetry, quartz countertops, and stainless-steel appliances. Spacious bedrooms,

  Joshua Farley Real of Pennsylvania

  5517 Hunter St, Philadelphia, PA 19131
• 

  

  /26

  $305,000

  $45K PRICE DROP

  • 4 Beds
  • 1.5 Baths
  • 1,080 Sq Ft

  436 Lemonte St, Philadelphia, PA 19128

  Discover this thoughtfully updated 4-bedroom, 1.5-bath home in the heart of Roxborough, perfectly situated within walking distance to Main Street Manayunk, the Ivy Ridge train station, and Gorgas Park, offering the ideal balance of city convenience and neighborhood charm. Inside, you’ll find a bright, airy layout with a seamless flow and a unique split staircase that enhances the open feel, while

  Scott Lipschutz Keller Williams Realty Devon-Wayne

  436 Lemonte St, Philadelphia, PA 19128
• 

  

  /36

  $749,900

  • 4 Beds
  • 2 Baths
  • 2,342 Sq Ft

  112 Marple Rd, Haverford, PA 19041

  Convenient and spacious, this 4-bedroom, 2-full-bath ranch home sits on a beautiful one acre lot in a prime Haverford location. Offering a versatile floor plan, it is ideal for those seeking to downsize, enjoy one-floor living, or work from home with dedicated living and workspace areas featuring separate entrances. It is also well suited for extended families, multigenerational living, or caring

  Sarah Siah Coldwell Banker Realty

  112 Marple Rd, Haverford, PA 19041
• 

  

  /88

  $272,000

  $15K PRICE DROP

  • 5 Beds
  • 2 Baths
  • 1,596 Sq Ft

  1669 N 56th St, Philadelphia, PA 19131

  Welcome Home! This impressive property boasts an expansive layout, designed for both comfort and versatility, with five generously sized bedrooms, two full bathrooms, and two fully equipped kitchens. It presents an exceptional investment opportunity for individuals seeking a rent-free living experience, with the potential for one unit to cover mortgage and utility expenses, making financial

  Odesa Turner Realty Mark Cityscape-Huntingdon Valley

  1669 N 56th St, Philadelphia, PA 19131
• 

  

  /34

  $237,500

  • 3 Beds
  • 2 Baths
  • 1,070 Sq Ft

  5904 Turner St, Philadelphia, PA 19151

  Welcome to 5904 Turner Street, a beautifully modernized 3-bedroom, 2-bathroom home renovated just afew years ago in Philadelphia’s desirable 19151 zip code. The bright, open-concept main floor features asleek kitchen that steps directly out onto a spacious private rear deck—perfect for outdoor dining andentertaining. Upstairs holds three generously sized bedrooms and an updated full

  Derek Greene The Greene Realty Group

  5904 Turner St, Philadelphia, PA 19151

Showing Results 281 - 320, Page 8 of 12