Marshall County AL Homes for Sale with No HOA Fee

• 

  

  

  /56

  $479,900

  • 4 Beds
  • 2.5 Baths
  • 2,449 Sq Ft

  602 Country Club Rd, Albertville, AL 35951

  Live the golf course lifestyle - without the restrictions! This 2021, meticulously maintained, home sits on 1.10 acres directly across from the course, offering the perfect blend of privacy, space, and convenience just minutes from town. Inside, you'll find a move-in ready layout with modern finishes and a massive upstairs bedroom with great potential for a playroom, mancave, or home office!

  Aleah Richards MarMac - Cullman

  602 Country Club Rd, Albertville, AL 35951
• 

  

  

  /33

  $269,999

  • 3 Beds
  • 2 Baths
  • 1,453 Sq Ft

  436 Granite Cir, Albertville, AL 35950

  Well-maintained 3 bed, 2 bath home in a great Albertville neighborhood. Pride of ownership shows throughout this one, extremely clean and move-in ready. Spacious layout with a large deck that’s perfect for relaxing or entertaining!! Comes with an extra lot giving you additional space and value. A perfect starter home just minutes from Sand Mountain Amphitheater, shopping, and schools.

  Taylor Camper Ainsworth Real Estate, LLC

  436 Granite Cir, Albertville, AL 35950
• 

  

  

  /28

  $399,900

  • 3 Beds
  • 2 Baths
  • 1,933 Sq Ft

  1830 Cherokee Ridge Dr, Cherokee Ridge, AL 35175

  Welcome to luxury living in the highly sought after Cherokee Ridge! This beautifully designed home offers 3/2 with an open floor plan with soaring 10-ft ceilings throughout, creating a spacious and airy feel perfect for both everyday living and entertaining. Elegant details set this home apart, including a coffered ceiling in the dining area, tray ceiling in the living room, complemented by a

  Amy Poole Ainsworth Real Estate, LLC

  1830 Cherokee Ridge Dr, Cherokee Ridge, AL 35175
• 

  

  

  /19

  $230,000

  • 4 Beds
  • 2 Baths
  • 1,520 Sq Ft

  1481 Lowery Rd NE, Arab, AL 35016

  Located just outside the Arab City limits, this home is move in ready! Beautiful wood floors, large living room, four bedrooms and two baths make this one a must see. Home sits on 1.66 acres (recent survey is available.) There is a one car attached carport and storage shed will remain

  Teressa Campbell BH&G Southern Premiere Agency

  1481 Lowery Rd NE, Arab, AL 35016
• 

  

  

  /37

  $299,900

  • 4 Beds
  • 2 Baths
  • 1,730 Sq Ft

  181 Lee Ave, Boaz, AL 35957

  Get ready to fall in love with this stunning 4-bedroom, 2-bath home featuring vaulted ceilings, an open floor plan, over 1,700 sqft of modern living space, and a 2 car garage! Built in 2021, it offers granite countertops, a fenced backyard, and plenty of room to make it your own. Located in a desirable neighborhood that brings peace and convenience, this home has everything you’re looking for!

  Trey Ritchie Leading Edge RE Group-Gtsv.

  181 Lee Ave, Boaz, AL 35957
• 

  /2

  $220,000

  • Land
  • 3.21 Acres
  • $68,536 per Acre

  LOT 10/11 Wyeth Dr, Guntersville, AL 35976

  Beautiful treed homesites on scenic Wyeth Drive near Lake Guntersville ranging from 1 to 3 acres, offering privacy, space, and select lots with a peaceful creek. Properties are not waterfront but enjoy close proximity to the lake, boat launches, waterfront dining at Top O' The River, Shopping, & City Harbor. Exceptional opportunity to build your custom home with the convenience of nearby

  Jennifer Greenway Dynasty Real Estate Services

  LOT 10/11 Wyeth Dr, Guntersville, AL 35976
• 

  

  /50

  $305,000

  • 3 Beds
  • 2.5 Baths
  • 2,137 Sq Ft

  332 Ohara Dr, Albertville, AL 35950

  Fully updated and move-in ready! This 3 bed, 2 bath home sits on approx. 4.8 acres in an established subdivision, offering a rare amount of usable land. Fresh paint throughout with new granite countertops in the kitchen and bathrooms. The kitchen features updated cabinetry and great flow into the main living area with plenty of natural light. The primary suite includes a walk-in closet and

  Brittany Sims Matlock Realty Group, LLC

  332 Ohara Dr, Albertville, AL 35950
• 

  

  /41

  $315,000

  • 3 Beds
  • 2 Baths
  • 2,014 Sq Ft

  445 Golfview Dr NE, Arab, AL 35016

  Welcome to this beautifully updated ranch home set on a generous lot with views of Twin Lakes Golf Course right in your backyard. Offering 3 bedrooms and 2 bathrooms, this home blends comfort, style, & thoughtful upgrades throughout. The spacious owner’s suite features a large walk-in closet, a cozy sitting area, and a beautifully updated bathroom. The kitchen has been tastefully renovated with

  Paula Cook Weichert Realtors-The Sp Plce

  445 Golfview Dr NE, Arab, AL 35016
• 

  

  /58

  $324,500

  • 4 Beds
  • 3 Baths
  • 2,470 Sq Ft

  214 10th Ave NE, Arab, AL 35016

  Beautiful 4 bedroom, 3 bath home in the heart of Arab. This smart, eco-friendly home has been completely rebuilt and features new HVAC, roof, electrical, plumbing, windows, gas tankless water heater, LVP flooring, and granite countertops. The upper level offers an open concept kitchen, dining, and living area with skylights providing natural light, along with two bedrooms, two baths, and a

  Lindsey Ray Weichert Realtors Cullman

  214 10th Ave NE, Arab, AL 35016
• 

  

  /44

  $650,000

  • 4 Beds
  • 3 Baths
  • 3,262 Sq Ft

  97 Turning Leaf, Union Grove, AL 35175

  Step into elevated living in this stunning open-concept home designed to impress! A chef’s dream kitchen features stainless KitchenAid appliances, granite, gas cooktop, ice maker & trash compactor—perfect for hosting in style. Unwind on the screened porch overlooking a private, fenced wooded lot. The luxurious main-level primary suite offers a spa-like bath, custom shower, dual vanities & private

  Nancy Smith Down Home Real Estate

  97 Turning Leaf, Union Grove, AL 35175
• 

  

  /44

  $455,000

  • 3 Beds
  • 3.5 Baths
  • 2,469 Sq Ft

  215 Wilson Rd, Scottsboro, AL 35769

  Tucked away on a quiet, secluded road, this stunning 2021-built home offers the perfect blend of modern comfort and peaceful living. With seasonal views of Lake Guntersville and nature all around, you’ll often spot deer and turkey right from your own yard. Inside, you’ll find 10-foot ceilings, LVP flooring, and tile throughout, creating a clean and cohesive feel. The open living space is anchored

  Olivia Morton Leading Edge RE Group-Gtsv.

  215 Wilson Rd, Scottsboro, AL 35769
• 

  

  /40

  $414,900

  • 4 Beds
  • 3 Baths
  • 2,431 Sq Ft

  829 10th St NW, Arab, AL 35016

  Rare gem inside the city limits 4 bed, 3 bath on almost 1 acre with beautiful ornamental and fruit trees. Enjoy sipping your coffee or sweet tea on the well shaded, covered back porch in the summer or while looking out the front bay window at the golden yellow leaves of the giant ginkgo tree in the fall. The home comes with new hickory hardwood floors, dimmable lighting, fresh paint throughout,

  Daniel Franks Re/Max Heritage

  829 10th St NW, Arab, AL 35016
• 

  

  /24

  $269,000

  • 3 Beds
  • 2 Baths
  • 1,367 Sq Ft

  3816 Hopwood Ave, Guntersville, AL 35976

  Wow! This one checks all the boxes with the location you are looking for at an affordable price! With 3 bedrooms, two bathrooms, an open floor plan and a detached garage this one is perfect! The large flat lot is great for playing, entertaining, or relaxing. Enjoy Lake Guntersville at the neighborhood park just steps away. Do not miss your chance to make it yours!

  Amy Poole Ainsworth Real Estate, LLC

  3816 Hopwood Ave, Guntersville, AL 35976
• 

  

  /35

  $239,830

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

  43 Devon Cir, Albertville, AL 35951

  Conveniently located between Guntersville and Albertville, this move-in ready home features three bedrooms, two baths, two car garage. All new interior, appliances, new cabinets, granite counter tops, roof and water heater.

  Shelli Walker South Towne Realtors, LLC

  43 Devon Cir, Albertville, AL 35951
• 

  

  /8

  $50,000

  • Land
  • 0.47 Acre
  • $106,383 per Acre

  .47 acres Willow Beach Rd, Guntersville, AL 35976

  This beautiful lot offers the perfect blend of peaceful seclusion and unbeatable convenience. Tucked away from the hustle and bustle of town, yet just minutes from Guntersville vibrant downtown, City harbor, shopping and a variety of local restaurants. Imagine waking up surrounded by the charm of the mature seasoned tree setting while enjoying the access to everything you need. With good road

  Isabel Rodriguez KW Huntsville

  .47 acres Willow Beach Rd, Guntersville, AL 35976
• 

  

  /46

  $367,500

  • 3 Beds
  • 2 Baths
  • 1,528 Sq Ft

  3105 Willow Beach Rd, Guntersville, AL 35976

  Move in ready property! Pack your bags & make this home! Or enjoy the fantastic Airbnb rental income that these super hosts have created. Close to City Harbor, DT Guntersville, shopping & restaurants.Charming bungalow has winter views & sits high on the property. Relax on a lazy afternoon on front porch swing bed or enjoy dining alfresco in the back area. The flow of the house is fantastic with 3

  Isabel Rodriguez KW Huntsville

  3105 Willow Beach Rd, Guntersville, AL 35976
• 

  

  /7

  $250,000

  • 1 Bed
  • 1 Bath
  • 2,000 Sq Ft

  1 Warrenton Rd, Guntersville, AL 35976

  Have you been looking for acreage tucked away in the woods? This 3+ACRE parcel is being offered with a high-end 25x40 2-story build that you could easily convert into your own custom home. Please see proposed sketch of future home conversion plans. If the 2,000 sq.ft. building is not big enough then use this structure as your workshop/massive garage and BUILD your DREAM HOME on this beautiful

  Daranee Sigle City Harbour Real Estate, LLC

  1 Warrenton Rd, Guntersville, AL 35976
• 

  

  /25

  $280,000

  • 3 Beds
  • 2 Baths
  • 1,430 Sq Ft

  1848 Mobbs School Rd, Arab, AL 35016

  Looking for a home in the Country? Private freshly painted 3 bedroom/2 bath home with 30 yr dimensional shingles. Board and batten vinyl siding. Craftsman style front door. Recessed lights throughout. Custom cabinets with matching vanities and granite tops. 6 ft custom tile shower in the master. Double closets in the master. Access from the dining room and utility room to the long back deck.

  Teresa Gilreath American Dream Realty Team LLC

  1848 Mobbs School Rd, Arab, AL 35016
• 

  

  /45

  $3,399,500

  • 5 Beds
  • 6 Baths
  • 4,413 Sq Ft

  1310 Buck Island Dr, Guntersville, AL 35976

  Exquisite custom-built main channel lakefront estate on Buck Island, set on a 1.34-acre point lot with 515 feet of pristine shoreline. This 5BR/6BA residence showcases refined elegance with extensive crown molding, granite countertops, and a grand kitchen island. Designed for elevated lake living, enjoy a screened side porch and expansive lakeside veranda with breathtaking sunrise and sunset

  Ken Williams Lake Homes Realty of North Al

  1310 Buck Island Dr, Guntersville, AL 35976
• 

  

  /35

  $150,000

  • 1 Bed
  • 1 Bath
  • 526 Sq Ft

  400 Whitaker Dr, Grant, AL 35747

  Fully furnished, turnkey 1-bedroom, 1-bath property currently operating as a successful Airbnb, located near Lake Guntersville! Completely redone in 2023, this charming retreat offers modern finishes, thoughtful design, and peaceful surroundings. Enjoy nearby access to Honeycomb Creek Campground, multiple boat launches, and everything Lake Guntersville has to offer — boating, fishing, hiking, and

  Paula Mahalik KW Huntsville

  400 Whitaker Dr, Grant, AL 35747
• 

  

  /29

  $210,000

  • Land
  • 10.23 Acres
  • $20,528 per Acre

  10.23 acres Bishop Mount Rd, Grant, AL 35747

  Amazing opportunity to own your very own level turn key mini farm & or hunting tract consisting of about 10 acres located on Bishop Mountain Road Grant, Al, just a few minutes drive off Hwy 431 in the Honeycomb area. The location is ideal since it's only minutes from a TVA public boat launch to access Lake Guntersville & about 25 minutes to Governors Drive, close to Huntsville's medical district.

  Bert Phillips Ainsworth Real Estate, LLC

  10.23 acres Bishop Mount Rd, Grant, AL 35747
• 

  

  /31

  $350,000

  • Land
  • 22 Acres
  • $15,909 per Acre

  22 acres Bishop Mount Rd, Grant, AL 35747

  Amazing opportunity to own your very own level turn key mini farm land & or hunting tract consisting of about 22.5 acres located on Bishop Mountain Road Grant, Al, just a few minutes drive off Hwy 431 in the Honeycomb area. The location is ideal since it's only minutes from a TVA public boat launch to access Lake Guntersville & about 25 minutes to Governors Drive, close to Huntsville's medical

  Bert Phillips Ainsworth Real Estate, LLC

  22 acres Bishop Mount Rd, Grant, AL 35747
• 

  

  /9

  $225,000

  • Land
  • 1.7 Acres
  • $132,353 per Acre

  302 McCorkle Mountain Rd, Scottsboro, AL 35769

  THE VIEW YOU’VE BEEN CHASING! OWN THE BEST SEAT IN NORTH ALABAMA. PERCHED ON THE BROW OF 302 MCCORKLE MOUNTAIN RD, THIS 1.7+-ACRE BUILDABLE LOT OFFERS A PERMANENT, UNOBSTRUCTED PANORAMA OF LAKE GUNTERSVILLE AND THE TENNESSEE RIVER VALLEY. WHILE OTHERS LOOK THROUGH THE TREES, YOU’LL LOOK OVER THEM. A "BLUFF LOT," VIEW OF THE HORIZON. BUILD-READY: POWER & COUNTY WATER ALREADY ON-SITE. PRIME ACCESS:

  Jennifer Michaels Legend Realty

  302 McCorkle Mountain Rd, Scottsboro, AL 35769
• 

  

  /36

  $160,000

  • 2 Beds
  • 1 Bath
  • 634 Sq Ft

  375 Whitaker Dr, Grant, AL 35747

  Fully furnished, turnkey 2 bedroom/1 bath charming and efficiently designed tiny cabin paired with a spacious pole barn—perfect for the avid fisherman or outdoor enthusiast. Thoughtfully laid out for low-maintenance living, with ample space for boats, gear, and equipment. Simple, functional, and authentic—what you see is exactly what you get. Great investment opportunity for a short-term rental,

  Paula Mahalik KW Huntsville

  375 Whitaker Dr, Grant, AL 35747
• 

  

  /40

  $234,900

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

  104 10th Ave NE, Arab, AL 35016

  Welcome home! This charming 3 bed, 2 bath property offers the perfect blend of comfort and convenience, ideally situated on a spacious third of an acre lot right in the heart of town. Enjoy peace of mind with a new roof installed in 2023 and a fully encapsulated crawlspace for added efficiency and protection. With its prime in-town location inside the city limits, you'll love being just minutes

  Jacob Mcdonald Southern Elite Realty

  104 10th Ave NE, Arab, AL 35016
• 

  

  /30

  $160,000

  • 2 Beds
  • 1 Bath
  • 634 Sq Ft

  355 Whitaker Dr, Grant, AL 35747

  Fully furnished, turnkey 2 bedroom/1 bath charming and efficiently designed tiny cabin paired with a spacious pole barn—perfect for the avid fisherman or outdoor enthusiast. Thoughtfully laid out for low-maintenance living, with ample space for boats, gear, and equipment. Simple, functional, and authentic—what you see is exactly what you get. Great investment opportunity for a short-term rental,

  Paula Mahalik KW Huntsville

  355 Whitaker Dr, Grant, AL 35747
• 

  

  /21

  $245,000

  • Land
  • 20.6 Acres
  • $11,893 per Acre

  20.6 Acres Murphy Hill Rd, Langston, AL 35755

  Discover the possibilities with this beautiful 20.6-acre tract, your blank canvas for a future homestead, private retreat, or investment opportunity. Ideally located just 15 minutes from Lake Guntersville State Park and 25 minutes from City Harbor, this property offers the perfect balance of peaceful country living and convenient access to local attractions. Situated between Guntersville and

  Jamie Troup RE/MAX Today

  20.6 Acres Murphy Hill Rd, Langston, AL 35755
• 

  

  /32

  $313,480

  • 3 Beds
  • 2 Baths
  • 1,844 Sq Ft

  109 Canterbury Cir, Arab, AL 35016

  This move-in ready 3-bedroom, 2-bath home offers 1,844 sq ft in a great location within the Arab City School District. The open floor plan, hardwood floors, and sunroom create a bright and inviting space. The backyard is perfect for entertaining. Enjoy easy access to Arab City Park just down the road and a convenient 30-minute commute to Redstone Arsenal. So many great updates! Per Sellers:

  Donna Black Southern Elite Realty

  109 Canterbury Cir, Arab, AL 35016
• 

  

  /24

  $195,500

  • 2 Beds
  • 1 Bath
  • 980 Sq Ft

  640 Apollo Rd, Arab, AL 35016

  Some homes have a look. This one has a feeling, too. 640 Apollo Road delivers classic farmhouse character in a setting that needs to be experienced to truly be appreciated...quiet street, rolling hills, mature trees. Board-and-batten exterior, cedar-post covered porch, and fresh landscaping set the tone before you ever step inside. Open living and kitchen flow seamlessly across rich hardwood

  Bob Jackson Sage Realty Group, LLC

  640 Apollo Rd, Arab, AL 35016
• 

  

  /50

  $289,900

  • 4 Beds
  • 2.5 Baths
  • 2,600 Sq Ft

  1425 Hickory Ln NE, Arab, AL 35016

  Beautiful English Tudor on a corner 2.3 acre lot in a sought-after neighborhood in Arab City School district. Features include vaulted ceilings, hardwood floors, brick fireplace, crown molding, and abundant natural light. Primary suite on main level with jetted tub and separate shower. Upstairs offers three bedrooms and a balcony overlooking the living area. This home is perfect for buyers

  Bonnie Shipp Southern Elite Realty

  1425 Hickory Ln NE, Arab, AL 35016
• 

  

  /30

  $198,000

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

  274 Beulah Cut-Off Rd, Albertville, AL 35950

  Prime location with endless possibilities. This full brick charmer offers 3bd 2 baths, open eat-in kitchen w/ample cabinet space. Formal dining room, living room and a cozy den w/rock fireplace. Private master suite w/bath and walk-in closet. Large sunroom with relaxing natural light. Attached garage and detached garage/workshop. Tours daily.

  Sandy McCord South Towne Realtors, LLC

  274 Beulah Cut-Off Rd, Albertville, AL 35950
• 

  

  /30

  $560,000

  • 4 Beds
  • 3.5 Baths
  • 3,000 Sq Ft

  2571 Cherokee Ridge Dr, Cherokee Ridge, AL 35175

  Stunning 4BR/3.5BA home with high-end finishes throughout! Open floorplan with beautiful hardwood floors in main living areas. Gourmet kitchen features custom cabinetry, stainless appliances, granite countertops, and a spacious walk-in pantry flowing seamlessly into family room and dining area. Luxurious primary suite offers a zero-entry shower, double vanities, and an oversized walk-in closet.

  Patricia Bobo Ainsworth Real Estate, LLC

  2571 Cherokee Ridge Dr, Cherokee Ridge, AL 35175
• 

  

  /29

  $350,000

  • 2 Beds
  • 1 Bath
  • 1,252 Sq Ft

  15 Pine Dale Dr, Guntersville, AL 35976

  The Ultimate Lake Guntersville Canvas. Rare opportunity on Buck Island! This property features a home on 1.77 wooded acres, offering privacy and a beautiful natural setting with direct access to Lake Guntersville just a short walk away at the shared waterfront parcel. Included is a dedicated 2-slip pier/dock, with boat house potential, providing immediate lake enjoyment. Ideally positioned in a

  Melanie Sutton Re/Max Heritage

  15 Pine Dale Dr, Guntersville, AL 35976
• 

  

  /12

  $220,000

  • 4 Beds
  • 1 Bath
  • 1,889 Sq Ft

  900 Brown St, Boaz, AL 35957

  Don’t miss this incredible opportunity in Boaz, Alabama! This spacious home features four large bedrooms and one full bath, offering plenty of room for a growing family or investment potential. Situated on a desirable corner lot, the property also includes a detached garage with a loft and a separate workshop—perfect for storage, hobbies, or additional workspace. Conveniently located directly

  Truman Milner Main Street Realty Plus, LLC

  900 Brown St, Boaz, AL 35957
• 

  

  /3

  $19,900

  • Land
  • 0 Acre

  XX 10th St SW, Arab, AL 35016

  Need to build in the city limits of Arab? Need a half acre lot? This lot would meet the bill for sure. You can build and be inside the city limits for Arab City School system, while convenient to it all. You'll enjoy the short commute to Marshall Medical North, Redstone Arsenal and Cullman too.

  Brenda King GRI, MRP Re/Max Heritage

  XX 10th St SW, Arab, AL 35016
• 

  

  /35

  $359,900

  • 3 Beds
  • 2 Baths
  • 1,764 Sq Ft

  49 Dorchester Cir, Albertville, AL 35951

  Full brick rancher sitting on a huge double lot (.88 acres), built in 2017 and move-in ready! This home features a split floor plan with 3 bedrooms and 2 bathrooms. The spacious master suite includes an en suite bath with a double vanity and walk-in closet. The kitchen offers a large island and walk-in pantry. Enjoy plenty of room to entertain out back under the covered patio. Additional features

  Hunter Rowland North Alabama Realty

  49 Dorchester Cir, Albertville, AL 35951
• 

  

  /29

  $275,000

  • Land
  • 9.85 Acres
  • $27,919 per Acre

  9.85 Appaloosa Dr, Guntersville, AL 35951

  Almost 10 acres of predominantly level manicured acreage located in the City limits of Guntersville with an Albertville zip code. Build your dream home overlooking the large fresh water flowing private lake (pond) that is included with this purchase. The location is ideal for Guntersville School system, Lake Guntersville State Park, TVA public boat launch, all only minutes away. Buy or invest now

  Bert Phillips Ainsworth Real Estate, LLC

  9.85 Appaloosa Dr, Guntersville, AL 35951
• 

  

  /32

  $455,000

  • 3 Beds
  • 2 Baths
  • 2,126 Sq Ft

  1526 Needmore Rd, Albertville, AL 35950

  Experience comfort, craftsmanship, and space in this beautiful 3-bedroom, 2-bath home with 2,126 sq ft on 3 acres in Marshall County. This property offers peaceful country living with easy access to nearby towns. Inside features engineered hardwood floors, tile in the kitchen and baths, custom tiled showers, crown molding, and a cozy brick fireplace. Outdoor living is just as impressive with a

  Cliff Glansen FlatFee.com

  1526 Needmore Rd, Albertville, AL 35950
• 

  

  /22

  $169,000

  • 3 Beds
  • 2 Baths
  • 899 Sq Ft

  515 Darnell St, Boaz, AL 35957

  Welcome to this freshly updated home in the heart of Boaz! With some updates already completed, this home is ready for its next owner to move right in and make it their own. Conveniently located near Boaz City Schools, shopping, and local amenities, you’ll love the ease of everyday living. The layout is practical and inviting, making it a great fit for anyone looking for comfort, convenience, and

  Olivia Morton Leading Edge RE Group-Gtsv.

  515 Darnell St, Boaz, AL 35957
• 

  

  /22

  $249,900

  • 2 Beds
  • 3 Baths
  • 2,050 Sq Ft

  212 Oakland Ave, Boaz, AL 35957

  Discover comfort, space, and timeless craftsmanship in this beautifully maintained full-brick home offering approx. 2,050 sq ft, featuring 2 bedrooms and 3 baths. From the moment you step inside, you’ll appreciate the natural light, hardwood floors, and thoughtful layout that make this home truly special. Large Living Room with a cozy fireplace and tons of windows that fill the space with natural

  Jeff Overstreet South Towne Realtors, LLC

  212 Oakland Ave, Boaz, AL 35957

Showing Results 201 - 240, Page 6 of 18