3,891

Massachusetts Homes for Sale with Water View

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  • /10

    $625,000

    • Land
    • 2.66 Acres
    • $234,962 per Acre

    57 Old Kings Hwy, Truro, MA 2666

    Exceptional opportunity to become the owner of 2.66 Acre Lot in Truro! This parcel is surrounded by the natural beauty of the Cape Cod National Seashore. An intensely quiet part of Truro. Two streets over get grounded walking or viewing the immaculate Longnook oceanside beach. If you care to take a drive, Truro Vineyards, Savory Sweet Escapes for treats and music or the wonderful programs at the

    Tracey Rose Gibson Sotheby's International Realty

    57 Old Kings Hwy, Truro, MA 2666
  • /39

    $2,395,000

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

    237 Storey Ave, Newburyport, MA 01950

    Experience a singular architectural vision, designed by a local architect and crafted by one of Newburyport’s notable master builders, Mark Depiero. This light-filled residence unfolds across three private acres at the end of a secluded drive, offering 600 feet of protected Artichoke Reservoir frontage, a setting where birdwatching mornings, majestic afternoon skies, and fireside evenings define

    Doug Danzey eXp Realty

    237 Storey Ave, Newburyport, MA 01950
  • /42

    $899,900

    • 4 Beds
    • 3 Baths
    • 2,744 Sq Ft

    8 Glen St, Saugus, MA 01906

    Rare waterfront opportunity on the Saugus River with direct access to the ocean, this stunning 2014-built home sits at the end of a quiet dead-end street, offering privacy, views, and an unbeatable setting. Designed for both everyday living and entertaining, the home features high ceilings, an open-concept layout, and high-end finishes throughout. The spacious main level flows seamlessly, filled

    Steven Kenny Cameron Real Estate Group

    8 Glen St, Saugus, MA 01906
  • /29

    $450,000

    • 2 Beds
    • 2 Baths
    • 1,390 Sq Ft

    68 Center St Unit 13, Hyannis, MA 02601

    Beautifully situated within 5-min walking distance from downtown Hyannis, with quick access to the Hyannis–Nantucket Ferry, and less than 5-minute drive to Barnstable, Cape Cod Mall, and Cape Cod Gateway Airport, this light-filled 2-bedroom, 2-bath, 1,393 sqft condo offers a seamless blend of comfort and convenience. Designed to feel open and airy, the home is bathed in natural light, creating a

    Danny Griffin Griffin Realty Group

    68 Center St Unit 13, Hyannis, MA 02601
  • /40

    $650,000

    • 3 Beds
    • 1.5 Baths
    • 1,274 Sq Ft

    60 Fort Meadow Dr, Hudson, MA 01749

    Move-in ready multi-level home with gorgeous views of Fort Meadow. The bright living room features a picture window with a stunning view. Freshly painted throughout with recently refinished hardwood floors. Off the living room is an insulated 450 square foot three season porch with a year-old mini split heating and cooling system. The first level kitchen has plenty of cabinet space and gas range

    Teri Manning Keller Williams Pinnacle MetroWest

    60 Fort Meadow Dr, Hudson, MA 01749
  • /32

    $1,205,000

    • 4 Beds
    • 3 Baths
    • 2,140 Sq Ft

    132 - 134 Elm St Unit 132, Marblehead, MA 01945

    New construction can give you quartz countertops. It can't give you this. Founded in 1629, Marblehead has always done things differently, and 132 Elm Street is proof. Converted from a 1933 church, this residence marries refined luxury - flat front custom-milled cabinets, radiant heated tile floors - with modern efficiency: spray foam insulation and ductless heating/cooling. What it never

    TEAM BRUSIL Keller Williams Realty Boston-Metro | Back Bay

    132 - 134 Elm St Unit 132, Marblehead, MA 01945
  • /31

    $424,999

    • 2 Beds
    • 1.5 Baths
    • 971 Sq Ft

    96 Derby St Unit 1, Salem, MA 01970

    PRICE IMPROVEMENT! Charming condo in a historic area just steps from the water. Features a spacious open floor plan, two large bedrooms with great natural light, and a private entrance. Ideally located a short walk to Salem’s vibrant downtown, full of restaurants, shops, attractions, and entertainment. Conveniently near Salem State University, Salem Common, Salem Willows, Pickering Wharf, and

    Sean Reid Century 21 North East Homes

    96 Derby St Unit 1, Salem, MA 01970
  • /38

    $895,000

    • 2 Beds
    • 1 Bath
    • 624 Sq Ft

    100 Hiawatha Rd Unit 1, Wellfleet, MA 02667

    Quintessential beachside cottage with front row bay views is just steps away from a wide, sandy swimming beach. Enjoy 180-degree water views of the bay and picturesque tidal inlet in one of Wellfleet's most sought-after locations. Tucked away at the end of a sand road, this turnkey, easy-to-own cottage features a water-side patio, a wood-burning fireplace, vaulted ceilings and an outdoor shower.

    Ashley Fawkes Berkshire Hathaway HomeServices Robert Paul Properties

    100 Hiawatha Rd Unit 1, Wellfleet, MA 02667
  • /42

    $849,000

    • 1 Bed
    • 1 Bath
    • 775 Sq Ft

    4 Canal Park Unit PH8, Cambridge, MA 02141

    Available for the first time in 30 years! Exceptional PENTHOUSE unit at the highly sought-after Thomas Graves Landing overlooks the Lechmere Canal and offers a rare blend of privacy, service, and stunning water views. Enjoy garage parking, extra assigned storage, elevator access, 24/7 concierge, and your own private balcony with a southwest-facing panoramic views and scenic walking paths right

    Alex Langos Coldwell Banker Realty - Cambridge

    4 Canal Park Unit PH8, Cambridge, MA 02141
  • /42

    $1,397,500 New Construction

    • 4 Beds
    • 2.5 Baths
    • 3,550 Sq Ft

    76 Robin Hill Rd, Groton, MA 01450

    Here's your chance to own the last new construction home offered on Robin Hill Rd! Beautiful open floor plan design w/ 9’ ceilings on the 1st floor. Huge family room w/ picture window & gas FP. An open flow is maintained into the spacious kitchen featuring Bosch appliances, center island, quartz countertops, dining area, & pantry closet. Dining room w/ wainscoting & crown molding & formal living

    Rachel Brock Compass

    76 Robin Hill Rd, Groton, MA 01450
  • /15

    $299,900

    • 2 Beds
    • 1 Bath
    • 930 Sq Ft

    750 Davol St Unit 321, Fall River, MA 02720

    Located in a 128 unit waterfront high rise, this Point Gloria condo is located on the north corner of the third floor. It has a partial water view, open living/dining room, galley kitchen, a bedroom on each side of the living room and ample closet space. On site laundry facilities, waterfront function room, exercise room and marina. Walking distance to MBTA station, waterfront restaurants and

    Donna Catalan Lamacchia Realty, Inc.

    750 Davol St Unit 321, Fall River, MA 02720
  • /28

    $250,000

    • 1 Bed
    • 1 Bath
    • 636 Sq Ft

    145 Essex Ave Unit 512, Gloucester, MA 01930

    Own a well-maintained low-rise condo in desirable Gloucester, perched above the Annisquam River with breathtaking views that elevate every day living. This 1-bedroom, 1-bath unit features 636 sq ft of efficiently designed space with a bright living area with private balancy, spacious eat-in kitchen, and bedroom with plenty of storage. Enjoy the convenience of private parking, common laundry, and

    Eclipse Group Cameron Real Estate Group

    145 Essex Ave Unit 512, Gloucester, MA 01930
  • /28

    $1,100,000

    • 1 Bed
    • 1.5 Baths
    • 932 Sq Ft

    2 Battery Wharf Unit 2501, Boston, MA 02109

    Experience luxurious penthouse living at Battery Wharf in this beautifully designed 1-bedroom, 1.5-bath home featuring a private entry foyer leading to a sun-soaked open floor plan. The spacious kitchen is outfitted with stainless steel appliances, gas cooking, granite countertops, a dishwasher, and ample cabinet space. A stylish half bath offers marble countertops and built-in storage, while the

    Mario Fiume Anzalone Realty

    2 Battery Wharf Unit 2501, Boston, MA 02109
  • /42

    $2,195,000

    • 4 Beds
    • 4.5 Baths
    • 4,802 Sq Ft

    27 Rivercrest Dr, West Newbury, MA 01985

    A dream for boaters, birders, and anyone drawn to the rhythm of the river, this is waterfront living at its finest. Step outside to your private dock, jet ski pads, and mooring, everything in place for days on the water and unforgettable evenings at home. Wildlife is a daily companion. The pristine riverfront residence offers 14 beautifully designed rooms, 4 bedrooms and 4.5 baths, thoughtfully

    Sharon Cronin Gibson Sotheby's International Realty

    27 Rivercrest Dr, West Newbury, MA 01985
  • /41

    $5,949,000

    • 5 Beds
    • 7.5 Baths
    • 7,413 Sq Ft

    70 McCallar Ln, Concord, MA 01742

    BRAND NEW CONSTRUCTION—Ideally located just under a mile from Concord Center with sidewalks all the way to the center, 70 McCallar Lane offers a rare combination of walkability, privacy, and refined new construction.This thoughtfully designed 7,400+ sq ft home blends architectural craftsmanship with modern comfort. Sun-filled interiors feature expansive windows, soaring 10-foot ceilings, custom

    Jim D' Agostine Country Real Estate Inc.

    70 McCallar Ln, Concord, MA 01742
  • /22

    $699,000

    • 1 Bed
    • 1 Bath
    • 572 Sq Ft

    100 Lovejoy Wharf Unit 5L, Boston, MA 02114

    Welcome to elevated city living at the iconic Lovejoy Wharf. This secure, full-service building offers 24/7 security and an exceptional collection of amenities, including office and meeting space, a children’s room, a game lounge with pool table and kitchen, and a first-class fitness center. Residents also enjoy a stunning rooftop patio featuring grills, fire pits, and beautiful city and

    Dimino Group Century 21 North East

    100 Lovejoy Wharf Unit 5L, Boston, MA 02114
  • /42

    $1,075,000

    • 4 Beds
    • 2.5 Baths
    • 2,974 Sq Ft

    29 Thornton St, Mendon, MA 01756

    Welcome to this beautifully crafted custom new construction home set on a generous 1.3-acre lot, offering both privacy and plenty of space to enjoy outdoors. A charming front porch leads into a welcoming foyer that opens to an expansive open-concept layout, featuring a spacious living room, dining area, and kitchen—perfect for everyday living and effortless entertaining. The living room is

    Joe Alves Better Living Real Estate, LLC

    29 Thornton St, Mendon, MA 01756
  • /4

    $1,640,000 New Construction

    • 3 Beds
    • 2.5 Baths
    • 2,700 Sq Ft

    30 Red Bridge Rd, Wilbraham, MA 01095

    TO BE BUILT....This is one example of a home that Evergreen Design Build can construct on this exceptional 2.8 acre lot in the desired community of Wilbraham. You can pick your design and finishes. Each home is custom built to the buyer's specifications. Homes constructed by Evergreen Design Build are built with exceptional care and attention to detail with state-of-the-art kitchens, including

    Wheway Group Coldwell Banker Realty - Western MA

    30 Red Bridge Rd, Wilbraham, MA 01095
  • /11

    $840,000

    • 3 Beds
    • 1.5 Baths
    • 2,255 Sq Ft

    20 Bolton Rd, Harvard, MA 01451

    Nestled on 1.4 picturesque acres in the heart of Harvard, this classic Royal Barry Wills Cape blends timeless charm with thoughtful updates. Featuring 3 bedrooms, 1 full and 1 half bath, the home showcases a beautifully renovated kitchen with modern finishes and gleaming hardwood floors throughout. Recent upgrades include a new gas heating system and updated electrical, offering comfort and peace

    Suzanne Dutkewych Hazel & Company

    20 Bolton Rd, Harvard, MA 01451
  • /38

    $2,395,000

    • 2 Beds
    • 2.5 Baths
    • 1,448 Sq Ft

    133 Seaport Blvd Unit 2101, Boston, MA 02210

    Experience luxury living on the 21st floor of the Echelon in Boston’s vibrant Seaport District. This spacious 2 bed, 2.5 bath corner residence is highlighted by floor-to-ceiling windows and high ceilings. Sun-drenched with a southern exposure, the home is filled with natural light all day. The unit features oak-plank floors, a distinctive floor plan, open-concept living, and a dining area that

    Rob Ramsdell Gibson Sotheby's International Realty

    133 Seaport Blvd Unit 2101, Boston, MA 02210
  • /11

    $5,475,000

    • 4 Beds
    • 3.5 Baths
    • 6,610 Sq Ft

    241 Shadyside Ave, Concord, MA 01742

    WORLD-CLASS BOSTON ARCHITECT designs a spectacular home incorporating the historic GREENOUGH BARN! Relocated from Carlisle conservation land, the barn has been reimagined to be reconstructed as a MODERN MASTERPIECE on one of the most dramatic lots ever offered for any Concord new construction. Surrounded on 3 SIDES BY CONCORD CONSERVATION LAND that is farmed for sunflower fields. Beyond the

    The Zur Attias Team The Attias Group, LLC

    241 Shadyside Ave, Concord, MA 01742
  • /43

    $14,500,000

    • 4 Beds
    • 4.5 Baths
    • 3,705 Sq Ft

    64 Squibnocket Farm Rd, Chilmark, MA 02535

    Welcome to an extraordinary waterfront retreat, where luxury meets nature perfectly. This exclusive property offers unparalleled access to breathtaking views, serene landscapes, and the soothing sounds of water lapping against the shore. Squibnocket Farm Road is renowned for its unspoiled beauty and tranquility. This sophisticated gated community offers a sense of seclusion while remaining within

    Thomas Wallace Wallace & Co. Sotheby's

    64 Squibnocket Farm Rd, Chilmark, MA 02535
  • /4

    $589,000

    • 2 Beds
    • 1 Bath
    • 1,001 Sq Ft

    134 Sherman St, Quincy, MA 02170

    Attention contractors, builders, and home buyers!!! This house is at a perfect location and on a huge 10,000 square foot lot! This home has great qualities and offers an expansive back yard to add and build upon existing house, and the inside features fireplace, living room, kitchen, dining room with sliders out to a large deck, two good size bedrooms and a full bathroom. There is also a large

    Jing Zheng Keller Williams Realty

    134 Sherman St, Quincy, MA 02170
  • /51

    $3,695,000

    • 4 Beds
    • 5.5 Baths
    • 3,605 Sq Ft

    359 Santuit Rd, Cotuit, MA 2635

    Perched above Shoestring Bay, this magnificent waterfront compound provides a rare combination of privacy, natural beauty, and modern luxury. Designed to deliver an unmatched coastal lifestyle, the property features a private dock that gives access to endless water activities. Thoughtful details are found throughout the residence, from the gourmet kitchen with a Wolf range and granite countertops

    Paul Grover Berkshire Hathaway HomeServices Robert Paul Properties

    359 Santuit Rd, Cotuit, MA 2635
  • /42

    $3,995,000

    • 9 Beds
    • 6.5 Baths
    • 10,987 Sq Ft

    570 Bridge St, Dedham, MA 02026

    Experience refined living in this distinguished 9-bedroom estate set within Dedham’s coveted Precinct 1. Poised on nearly two acres with serene views of the Charles River marshes, the property blends classic elegance with modern comfort. A grand foyer leads to gracious formal living & dining rooms, each with a fireplace and sweeping windows that invite natural light—perfect for entertaining. The

    Linda Dwinell Logan Compass

    570 Bridge St, Dedham, MA 02026
  • /31

    $385,000

    • 3 Beds
    • 2 Baths
    • 1,152 Sq Ft

    41 Upper Rd, Deerfield, MA 01342

    Situated one and a half acres, 41 Upper Road in the picturesque West Deerfield, MA area provides relaxing living, convenient privacy, and access to trails & nature. This single-family residence built in 1996 presents an inviting home with 1,152 sqft. Recently painted and ready for immediate occupancy. The single level living flows from the entry to open kitchen concept with laundry on first

    Alayna Zellmann Ruggeri Real Estate

    41 Upper Rd, Deerfield, MA 01342
  • /42

    $719,900

    • 3 Beds
    • 2 Baths
    • 1,134 Sq Ft

    17 Horseshoe Rd, Dracut, MA 01826

    Completely renovated from top to bottom, this beautiful home invites you to experience comfort, style, and everyday living at its best in a desirable Dracut location. Step inside to a bright and open layout where natural light fills the space, highlighting a brand-new kitchen with modern cabinetry, updated countertops, and stainless steel appliances—perfect for gathering, cooking, and creating

    Cristiano Jarbas Cristiano Jarbas, Inc.

    17 Horseshoe Rd, Dracut, MA 01826
  • /16

    $635,000

    • 2 Beds
    • 1 Bath
    • 1,195 Sq Ft

    106-108 Forest St Unit 106, Arlington, MA 02474

    Beautiful Arlington Heights townhouse offering a bright, functional layout and standout convenience. The well-appointed kitchen features granite counters, stainless steel appliances, gas cooking, and generous cabinet space. A large bay window fills the open dining/living area with natural light, while French doors lead to a private patio and backyard suited for grilling or unwinding outdoors.

    Aranson Maguire Group Compass

    106-108 Forest St Unit 106, Arlington, MA 02474
  • /2

    $350,000

    • Land
    • 18 Acres
    • $19,444 per Acre

    20-11 Sylvester Rd, Northampton, MA 01062

    This 18 acre wooded hillside lot is located on the western side of Sylvester Road. The western boundary of the property abuts City of Northampton conservation land. Though the lot has legal frontage access is over a right of way. I will be necessary to cross a small wetland area to access the building site. Perc Test, plans for the bridge and Notice of Intent are in hand. If your looking for a

    David Murphy The Murphys REALTORS®, Inc.

    20-11 Sylvester Rd, Northampton, MA 01062
  • /27

    $699,000

    • 3 Beds
    • 2 Baths
    • 1,301 Sq Ft

    38 White Oak Trail, Centerville, MA 02632

    Charming 3-bedroom, 2-bath home set on nearly half an acre in a desirable Centerville location. This well-maintained property offers a comfortable layout with hardwood floors, a spacious living area, and a wood-burning fireplace--perfect for cozy evenings. The updated kitchen is ideal for everyday living and entertaining, with easy access to a composite deck that's perfect for summer nights and

    Jem Zinel Today Real Estate, Inc.

    38 White Oak Trail, Centerville, MA 02632
  • /23

    $819,000

    • 2 Beds
    • 2 Baths
    • 1,862 Sq Ft

    64 Middle St Unit 2, Newburyport, MA 01950

    Welcome to one of Newburyport's most coveted South End locations. Step outside and you're one minute from State Street, one block from the best dining, shopping, and nightlife downtown has to offer. Everything that makes Newburyport special is at your doorstep.Unit 2 offers a flexible 2 bedroom, 2 bathroom layout with a third bedroom or dedicated home office, with room to live, work, and host

    Matthew Roberts Keller Williams Realty Evolution

    64 Middle St Unit 2, Newburyport, MA 01950
  • /42

    $1,495,000

    • 4 Beds
    • 3 Baths
    • 2,202 Sq Ft

    57 Oceanside Dr, Scituate, MA 02066

    Experience the ultimate Scituate lifestyle in this impeccably newly renovated Sand Hills gem. Blending 1920s charm with modern luxury, this 4-bedroom, 3-bath retreat offers a front-row seat to the Atlantic just steps from the sand. The open-concept interior features a designer kitchen with a center island and a sun-drenched four-season porch perfect for entertaining. Retreat to the primary suite,

    Kristin Dewey Kornerstone Real Estate Brokerage

    57 Oceanside Dr, Scituate, MA 02066
  • /29

    $1,999,000

    • 2 Beds
    • 2 Baths
    • 1,164 Sq Ft

    135 Seaport Blvd Unit 1807, Boston, MA 02210

    Unit 1807 at 135 Seaport Blvd is your chance to own a piece of one of the most sought after addresses in Seaport. This unit offers a luxurious 2-bedroom, 2-bath floor plan with a private balcony, and valet parking. Not only has it never been lived in, the interior features top-tier upgrades, including recessed lighting, white-gloss Italian cabinetry, gleaming quartz countertops, and

    George Sarkis Douglas Elliman Real Estate - The Sarkis Team

    135 Seaport Blvd Unit 1807, Boston, MA 02210
  • /39

    $800,000

    • 5 Beds
    • 2.5 Baths
    • 3,876 Sq Ft

    10 Oak St, Wareham, MA 02571

    This Sprawling Colonial Style home is perfectly situated across from the Bay, offering peekaboo Water Views! Step into the welcoming breezeway that opens to a bright entry leading to a Family Room & charming Kitchen with built-in hutch- Dining room- Cozy Living room with Home office, Full Bath, & 1st floor Bedroom- All accented by beautiful hardwood floors- Upstairs, you’ll find a large Flex

    Lori Saville Coldwell Banker Realty - Easton

    10 Oak St, Wareham, MA 02571
  • /31

    $599,000

    • 2 Beds
    • 1 Bath
    • 1,208 Sq Ft

    1022 Hancock St Unit 112, Quincy, MA 02169

    The best of both worlds - modern bright condo with charm and history. Huge windows and soaring 12' ceilings instantly draw you into this stunning residence. Modern kitchen with gas cooking, BOSCH appliances, and quartz countertops. 2 spacious bedrooms with generous closet space. Porcelanosa tiled bathroom. In unit laundry. Enjoy direct views of Butler's Pond and Dorothy Quincy Homestead - this

    Audrey Miller Audrey Miller Real Estate, LLC

    1022 Hancock St Unit 112, Quincy, MA 02169
  • /36

    $635,000

    • 2 Beds
    • 2 Baths
    • 1,234 Sq Ft

    8 Ninth St Unit 707, Medford, MA 02155

    Beautifully reimagined from top to bottom, this 7th floor residence blends modern luxury w/effortless convenience. Enjoy an airy open layout framed by tranquil treetop views. The custom wrap around kitchen impresses w/an abundance of slow close cherry cabinetry, generous pantry storage, granite counters, stainless steel appliances (new fridge 2025), tile backsplash & elegant pendant & under

    David Hayes Coldwell Banker Realty - Lexington

    8 Ninth St Unit 707, Medford, MA 02155
  • /42

    $1,575,000

    • 3 Beds
    • 3 Baths
    • 3,924 Sq Ft

    229 S Sea Ave, West Yarmouth, MA 02673

    Coastal Charm Meets Modern Living. Set back from the road on a beautifully landscaped lot, this exceptional contemporary Ranch offers the perfect blend of coastal charm & modern comfort—just minutes to Seagull or Englewood Beach with boat ramp access to Nantucket Sound. This fully renovated home is a rare find—offering more outdoor space than most in the area & designed for effortless year-round

    Kevin Cosgrove Kinlin Grover Compass

    229 S Sea Ave, West Yarmouth, MA 02673
  • /26

    $1,200,000

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

    612 Drift Rd, Westport, MA 02790

    An exceptional opportunity awaits at 612 Drift Rd, Westport, MA. where this single family residence stands as an attractive property in great condition. The kitchen is thoughtfully appointed with elegant open concept to the upstairs flow. The living room offers a comforting ambiance, distinguished by a classic fireplace that provides warmth and a striking beamed ceiling that adds architectural

    Lori Camara Lamacchia Realty, Inc.

    612 Drift Rd, Westport, MA 02790
  • /3

    $849,000 New Construction

    • 3 Beds
    • 2 Baths
    • 1,720 Sq Ft

    11 Bayberry Ln, Mattapoisett, MA 02739

    Brand New Construction in Serene Mattapoisett Neighborhood.Welcome to your dream home in beautiful Mattapoisett, MA! This brand new, single-level residence offers the perfect blend of modern comfort and coastal charm. Nestled in a quiet, cozy neighborhood, this thoughtfully designed home features 3 spacious bedrooms, 2 full bathrooms, and an attached 2-car garage—ideal for both convenience and

    Lisbeth Frey Generous Properties

    11 Bayberry Ln, Mattapoisett, MA 02739
  • /31

    $6,900,000

    • 9 Beds
    • 8 Baths
    • 9,593 Sq Ft

    4 Broadmere Way, Marblehead, MA 01945

    “Broadmere” is an unparalleled Fluen Point estate, perched high on a bluff overlooking the serenity and activity of Salem Sound. Situated on 2 plus acres of private, manicured grounds, this exclusive waterfront property includes over 200’ of shoreline, a stunning 9 bedroom, 9,593 square foot turn-of-the-century mansion, oceanside pool with pool house, and dock with mooring, creating endless

    Jack Attridge William Raveis R.E. & Home Services

    4 Broadmere Way, Marblehead, MA 01945

Showing Results 481 - 520, Page 13 of 18

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