Miami County OH Homes under $500,000

• 

  

  

  /22

  $359,990

  New Construction

  • 3 Beds
  • 2 Baths
  • 2,488 Sq Ft

  Aviano with Finished Basement Plan at Carriage Trails - Single Family Homes, Tipp City, OH 45371

  The only builder in highly sought after Carriage Trails with finished basements and luxury interiors at no extra cost. The Aviano single-family home is where convenience meets comfort. Enter through the 2-car garage or the foyer to a light-filled room that’s spacious and stylish. Gather round the table in the formal dining room, then relax in the great room, which opens to the gourmet kitchen

  Ryan Homes Builder

  9409 Lakeside St Unit 38336619, Tipp City, OH 45371
• 

  

  

  /31

  $324,900

  $5K PRICE DROP

  • 3 Beds
  • 2 Baths
  • 1,547 Sq Ft

  9827 Olde Park Dr, Tipp City, OH 45371

  This well-cared-for home offers numerous updates, including updated windows, flooring, HVAC system, water softener, attic access ladder, and additional landscaping designed for added privacy. All appliances convey, including a newer refrigerator, washer, and dryer.Filled with natural light, the spacious living areas create a warm and inviting atmosphere. The home features three bedrooms, two

  Teri Hoops Keller Williams Home Town Rlty

  9827 Olde Park Dr, Tipp City, OH 45371
• 

  

  

  /17

  $375,000

  New Construction

  • 3 Beds
  • 2 Baths
  • 1,706 Sq Ft

  512 Cherry St, Fletcher, OH 45326

  HARD TO FIND SPLIT FLOOR PLAN RANCH IN MOVE IN CONDITION. THIS HOME HAS 3 GENEROUS SIZED BEDROOMS, 2 FULL BATH, A TWO CAR ATTACHED GARAGE IN THE POPULAR MIAMI EAST SCHOOL DISTRICT.WITH OVER 1,700 SQUARE FEET THIS OPEN CONCEPT HOME COMES EQUIPPED WITH NEW QUARTZ TOPS IN KITCHEN AND BATHS, LVP FLOORING THROUGHOUT HOME, CARPET IN BEDROOMS (CAN CONVERT TO LVP IF DESIRED), NEW RANGE, DISHWASHER,

  Gary Kurtz Irongate Inc.

  512 Cherry St, Fletcher, OH 45326
• 

  

  

  /17

  $307,990

  New Construction

  • 4 Beds
  • 2.5 Baths
  • 1,903 Sq Ft

  Cedar Plan at Addison Landing - Single Family Homes, Troy, OH 45373

  Welcome home to the Cedar at Addison Landing - The only new homes in Troy Schools with full basements and everything your new home needs included at no extra cost. The Cedar single-family home blends function and elegance. Enter the foyer and head to the great room, which flows effortlessly into the gourmet kitchen with island, and the dining area. Beyond that, a hall leads to a powder room and

  Ryan Homes Builder

  2291 Lytle Rd Unit 38423876, Troy, OH 45373
• 

  

  

  /81

  $479,900

  $45K PRICE DROP

  • 5 Beds
  • 3.5 Baths
  • 3,412 Sq Ft

  4146 Spicebush Dr, Tipp City, OH 45371

  Welcome to 4146 Spicebush Dr. Tipp City, OH! Located in the desirable and conveniently placed Carriage Trails Subdivision. This home is absolutely incredible and will be certain to Impress! Offering approx. 3,412 Square Feet of living space including the finished basement! 5 to 6 bedrooms, 3.5 Bathrooms! Multi levels allows for the perfect opportunity of multigenerational living options. Pristine

  Jeff Apple Berkshire Hathaway Professional Realty

  

  4146 Spicebush Dr, Tipp City, OH 45371
• 

  

  /28

  $409,990

  New Construction

  • 4 Beds
  • 2.5 Baths
  • 3,133 Sq Ft

  Columbia with Finished Basement Plan at Carriage Trails - Single Family Homes, Tipp City, OH 45371

  The only builder in highly sought after Carriage Trails with finished basements and luxury interiors at no extra cost. The Columbia single-family home is just as inviting as it is functional. Discover a magnificently spacious floor plan with custom flex areas. The welcoming family room effortlessly flows into the gourmet kitchen and dining area, so you never miss a moment. Add a covered porch for

  Ryan Homes Builder

  9409 Lakeside St Unit 36142316, Tipp City, OH 45371
• 

  

  /40

  $280,000

  • 3 Beds
  • 2 Baths
  • 1,624 Sq Ft

  4062 Crane Rd, Tipp City, OH 45371

  Welcome home to this charming 3-bedroom, 2 full bath ranch nestled on approximately 3/4 of an acre just minutes from downtown Tipp City, shopping, dining, and Tipp City Schools! Offering approximately 1,624 sq. ft. of living space, this home combines comfort, functionality, and opportunity.Inside, you’ll find spacious living areas, a cozy fireplace, and extra kitchen cabinetry that will

  Eddy Wells Coldwell Banker Heritage

  4062 Crane Rd, Tipp City, OH 45371
• 

  

  /7

  $299,900

  • 3 Beds
  • 1.5 Baths
  • 1,312 Sq Ft

  2120 E State Route 55, Troy, OH 45373

  Country ranch home situated on 2 scenic acres, offering the perfect blend of peace and space. This home features 3 bedrooms (one in the semi-finished walkout basement) and 1 1/2 bathrooms on the main level. Inside, you’ll find a spacious layout with a living room, family room, and dining room. The kitchen provides abundant cabinetry, while select areas of the home showcase wood flooring. The full

  Kristi Robinette Howard Hanna Real Estate Serv

  2120 E State Route 55, Troy, OH 45373
• 

  

  /15

  $249,900

  • 3 Beds
  • 1 Bath
  • 1,560 Sq Ft

  2065 S Co Road 25a, Troy, OH 45373

  Don't miss out on this opportunity! Property is currently used for automotive sales, but can be used for multiple purposes. Property located on .559 acres. Remodeled living quarters, 3 bedrooms, 1 bath, large living room, family room & kitchen. full unfinished basement. Property is zoned commercial and residential.

  Greg McGillvary Garden Gate Realty, Inc.

  

  2065 S Co Road 25a, Troy, OH 45373
• 

  

  /41

  $292,000

  • 4 Beds
  • 1.5 Baths
  • 2,661 Sq Ft

  224 E Walnut St, Covington, OH 45318

  Step into a rare opportunity to own a true piece of Covington charm—a beautifully maintained two-story home offering 2,661 sq ft of character, craftsmanship, and comfort. Perfectly located in the heart of town, you’ll enjoy easy walking distance to uptown restaurants, the school, both parks, and the splashpad. From the moment you arrive, the expansive front porch invites you to slow down and stay

  Nikki Angle Keller Williams Home Town Rlty

  224 E Walnut St, Covington, OH 45318
• 

  

  /32

  $414,900

  $5K PRICE DROP

  • 3 Beds
  • 2 Baths
  • 1,645 Sq Ft

  920 Old Nursery Trail, Troy, OH 45373

  Welcome to this beautiful 2022 built ranch offering the perfect blend of style, comfort, and convenience. With an inviting open floor plan and high end finishes throughout, this home is designed for effortless living and memorable gatherings. Key features include: 3 spacious bedrooms with excellent natural light. Two modern bathrooms featuring quality fixtures and finishes. A gorgeous, oversized

  Shari Thokey Galbreath REALTORS

  

  920 Old Nursery Trail, Troy, OH 45373
• 

  

  /35

  $419,900

  $8K PRICE DROP

  • 4 Beds
  • 3 Baths
  • 3,132 Sq Ft

  9229 Lakeside St, Tipp City, OH 45371

  Assume the seller's 4.5% VA loan -- a rare opportunity for a qualified buyer to skip today's higher rates and keep payments well below a new mortgage -- and an ideal fit for military families serving at nearby Wright-Patterson AFB. This move-in-ready 2019 ranch in Tipp City's sought-after Carriage Trails community offers immediate occupancy and approximately 2,585 sq ft of finished living space

  Joan Elflein Ohio Broker Direct

  

  9229 Lakeside St, Tipp City, OH 45371
• 

  

  /100

  $324,500

  • 3 Beds
  • 2.5 Baths
  • 1,400 Sq Ft

  6207 Willow Oak Dr, Tipp City, OH 45371

  Welcome to 6207 Willow Oak Drive in Tipp City, Ohio, located within the highly desirable Bethel School District! This beautiful home offers the perfect blend of comfort, space, and functionality. Step inside to discover a welcoming floor plan featuring spacious living areas, 3 bedrooms, 2.5 bathrooms, and plenty of room for everyday living and entertaining. The kitchen offers ample cabinet and

  Kathryn Roberts TMG Realty

  6207 Willow Oak Dr, Tipp City, OH 45371
• 

  

  /4

  $299,990

  New Construction

  • 3 Beds
  • 2 Baths
  • 1,368 Sq Ft

  1369 Goldenrod Dr, Troy, OH 45373

  Country comfort near everyday conveniences, trusted family-owned builder since 1972 with better quality and more included features. This brand-new Lily ranch home offers 1,368 finished square feet with 3 bedrooms, 2 baths, and a 2-car garage. All features and selections are already finalized and no changes are available.Designed for convenient first-floor living, the home includes LVP

  Ronald Kreitzer New Home Star Ohio LLC

  1369 Goldenrod Dr, Troy, OH 45373
• 

  

  /25

  $210,000

  $10K PRICE DROP

  • 3 Beds
  • 1 Bath
  • 879 Sq Ft

  25 N Main St, West Milton, OH 45383

  Welcome to this beautiful, updated gem in West Milton ''The Blue Haven Bungalow'' Features 3 bedrooms and 1 full bath. You are greeted by the covered porch which is perfect for entertaining or simply relaxing. Updates include: Full bathroom with walk in shower. (Over $13,000) Kitchen with Quartz countertops. (2023) Italian tile backsplash (Bud Polley). All appliances. Refrigerator. Stove.

  Julie Larger Sibcy Cline, Inc.

  

  25 N Main St, West Milton, OH 45383
• 

  

  /10

  $499,900

  New Construction $10K PRICE DROP

  • 3 Beds
  • 2 Baths
  • 2,069 Sq Ft

  6501 River Birch St, Tipp City, OH 45371

  New construction in the beautiful Carriage Trails community, featuring the stunning Calvin design. This unique plan offers 3 bedrooms and 2 full baths. The expansive family room is the perfect gathering space. Spacious open kitchen with a large island and walk-in pantry connects to the morning room, that walks out to the patio. The owner's suite features a spacious private bath and walk-in

  Fischer Homes Builder

  6501 River Birch St, Tipp City, OH 45371
• 

  

  /25

  $414,999

  $5K PRICE DROP

  • 3 Beds
  • 2 Baths
  • 1,927 Sq Ft

  2792 Executive Dr, Troy, OH 45373

  Welcome to this charming 3-bedroom, 2-bath ranch home, complete with a spacious 3-car garage. The eat-in open-concept kitchen features a large pantry with ample cabinet space, and it seamlessly flows into the inviting living room, perfect for entertaining. The owner's suite is a true retreat, boasting large double sinks and a spacious walk-in closet. Additional highlights include multiple storage

  Christopher Schroeder R H 2 L

  2792 Executive Dr, Troy, OH 45373
• 

  

  /15

  $339,987

  $9K PRICE DROP

  • 3 Beds
  • 1.5 Baths
  • 960 Sq Ft

  7070 Peters Rd, Tipp City, OH 45371

  This brick ranch style home was gutted and remodeled in 2023. ALL interior photos were taken right after the big remodel. Some wall colors have changed. The original home was 960 square feet until an addition was added that is an additional 546 square feet. Court house records have the sketch, but they failed to add the additional square footage! The rear addition houses a huge 28' x 13' Family

  Sandy Webb RE/MAX Victory + Affiliates

  

  7070 Peters Rd, Tipp City, OH 45371
• 

  /2

  $330,550

  New Construction

  • 4 Beds
  • 2.5 Baths
  • 2,343 Sq Ft

  209 York Dr, New Carlisle, OH 45344

  One of our most versatile and popular floor plans featuring an open floor plan and flex room upstairs and down.

  Arbor Homes Builder

  209 York Dr, New Carlisle, OH 45344
• 

  

  /7

  $314,500

  • Land
  • 23.99 Acres
  • $13,109 per Acre

  4 Dayton-Brandt Rd Unit Lot 4, New Carlisle, OH 45344

  Lot 4 – 23.991 AcresNearly 24 Acres of Privacy & Prestige in Shaw MeadowsA rare opportunity to own nearly 24 acres in the sought-after Shaw Meadows community. This expansive homesite offers a private, open setting complemented by natural tree borders—an ideal canvas for a custom luxury home designed to your exact vision.Exclusively available with D.A. Bowman Construction, a premier

  Dustin Leis Leis Realty Company

  4 Dayton-Brandt Rd Unit Lot 4, New Carlisle, OH 45344
• 

  

  /12

  $464,300

  New Construction

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

  The Arlington Plan at Emerson Crossing, Troy, OH 45373

  The Arlington is a 2,070 sq. ft. open-concept ranch home featuring 3 bedrooms, 2 bathrooms, and flexible living options. Designed for modern living, the kitchen, dining area, and great room create a seamless space for entertaining and everyday life. The kitchen includes a walk-in pantry, large island, and upgraded cabinetry with quartz or granite countertops. The primary suite offers a double

  Legacy Design Homes Builder

  2021 Northbridge Trail Unit 37693227, Troy, OH 45373
• 

  

  /7

  $220,000

  • 3 Beds
  • 2 Baths
  • 2,538 Sq Ft

  1312 Spruce St, Troy, OH 45373

  Online Foreclosure Auction with bidding ending on Wednesday, July 8th at 1PM. See OhioSheriffSales dotcom for full details and to bid online. Bidding starts at $220,000. This ranch home was built in 1922 and remodeled in 2005. The home includes 3 bedrooms, 2 bathrooms, 2,538 sq ft of living space, and a 2-car garage. The 0.79 acre property is located inside of Concord township lines, the Troy CSD

  Chris Cox Ohio Real Estate Auctions LLC

  1312 Spruce St, Troy, OH 45373
• 

  

  /54

  $389,900

  $35K PRICE DROP

  • 4 Beds
  • 2.5 Baths
  • 2,705 Sq Ft

  2571 Sunset Maple Dr, Tipp City, OH 45371

  Discover unparalleled comfort in this captivating 4-bedroom, 2.5-bathroom residence, perfectly situated in Tipp City, OH. This charming 2705 square foot home blends classic brick and wood siding construction with modern amenities, creating an inviting aesthetic. The welcoming facade features a covered porch and an attached garage. Inside, find an inviting interior bathed in natural light,

  James Warden eXp Realty

  2571 Sunset Maple Dr, Tipp City, OH 45371
• 

  

  /16

  $399,900

  • Land
  • 10.4 Acres
  • $38,448 per Acre

  Lot 3 Tipp Elizabeth Rd, Tipp City, OH 45371

  Expansive Lot with Clean Layout, Multiple Building Options in Pastoral SettingA well-proportioned 10.4-acre parcel offering open, gently rolling terrain and multiple ideal building sites—no HOA. The clean layout simplifies planning for a home, barn, or additional structures.With 341 feet of frontage on Tipp Elizabeth Road, access is both practical and efficient. This lot stands out for

  Steven Clark J.M. Williams Realty, LLC

  Lot 3 Tipp Elizabeth Rd, Tipp City, OH 45371
• 

  /2

  $298,990

  New Construction $3K PRICE DROP

  • 4 Beds
  • 2.5 Baths
  • 2,343 Sq Ft

  1505 Cheyenne Ct, Piqua, OH 45356

  One of our most versatile and popular floor plans featuring an open floor plan and flex room upstairs and down.

  Arbor Homes Builder

  1505 Cheyenne Ct, Piqua, OH 45356
• 

  $459,900

  New Construction

  • 5 Beds
  • 3.5 Baths
  • 3,751 Sq Ft

  4335 Windflower Dr, Tipp City, OH 45371

  Join us for our Open House this Saturday from 2-6pm! Enjoy this quick move-in home, ready for you in August and packed with upgrades! The only builder in highly sought after Carriage Trails with finished basements and luxury interiors at no extra cost. The Hudson single-family home fits the way you live. Flex space can be used as a playroom, a library and more. Gather in the spacious family room,

  Ryan Homes Builder

  4335 Windflower Dr, Tipp City, OH 45371
• 

  

  /6

  $329,900

  • 3 Beds
  • 2 Baths
  • 1,727 Sq Ft

  1766 Saratoga Dr, Troy, OH 45373

  Best of Both Worlds! This beautiful 3 bedroom 2 bath brick and vinyl ranch is located in the desired Miami East School district but right down the street from Downtown Troy and all it has to offer. The home has an open floor plan concept with a nice gas fireplace as a focal point and stainless appliances. It has a newer roof and HVAC and charming deck for your morning coffee. More pictures to

  Todd Severt Garden Gate Realty Inc.

  1766 Saratoga Dr, Troy, OH 45373
• 

  

  /24

  $284,000

  $10K PRICE DROP

  • 3 Beds
  • 2.5 Baths
  • 1,520 Sq Ft

  2374 Patterson Ln W, Troy, OH 45373

  Look at these numerous updates! All new LVP flooring throughout the entire home. New appliances, range, refrigerator, dishwasher. New condensing unit. New vanities and toilets in all bathrooms. New sliding glass door. Freshly painted. Open-concept kitchen-dining-family area. Insurance has just confirmed claim for new roof to be installed ASAP. Quiet cul-de-sac location. Fenced-in backyard.

  Laura Becker Keller Williams Home Town Rlty

  2374 Patterson Ln W, Troy, OH 45373
• 

  

  /65

  $289,900

  • 2 Beds
  • 2 Baths
  • 994 Sq Ft

  3495 S Tipp Cowlesville Rd, Tipp City, OH 45371

  Delightfully deceiving bungalow gracefully situated in a great location on 1.534 acre lot. Charming details prevail throughout the home with arched entryways and some areas with hardwood floors under carpet. Living rim open to dining with built-in pantry, keyed to convenience kitchen with walk-out to outdoor entertaining, 2 bedrooms plus bonus study for optional 3rd bedroom (walk-through to

  Jeanie Bates McVety Realty

  

  3495 S Tipp Cowlesville Rd, Tipp City, OH 45371
• 

  

  /35

  $221,000

  Open Sun 1PM - 3PM

  • 3 Beds
  • 2 Baths
  • 1,610 Sq Ft

  606 Boone St, Piqua, OH 45356

  Spacious 2-Story Home in the Heart of Piqua. This charming home offers 3 bedrooms and two fully remodeled bathrooms. The cozy living room flows into the dining area, LVP flooring. Improvements include updated windows, a gas furnace, and a gas hot water heater. Enjoy the covered front porch, perfect for relaxing, and a detached garage that provides excellent space for parking or hobbies. A great

  Patrick Wolf Coldwell Banker Heritage Realtors

  

  606 Boone St, Piqua, OH 45356
• 

  

  /5

  $457,780

  New Construction

  • 4 Beds
  • 2.5 Baths
  • 2,814 Sq Ft

  1442 Goldenrod Dr, Troy, OH 45373

  Country charm with modern convenience—welcome to Somerset Reserve in Troy, a scenic new community by Maronda Homes, a trusted family-owned builder since 1972 known for quality construction and included features. This to-be-built Carlisle floor plan offers spacious two-story living with an open-concept design ideal for everyday living and entertaining. The home features 4 bedrooms, 2.5 baths, a

  Ronald Kreitzer New Home Star Ohio LLC

  1442 Goldenrod Dr, Troy, OH 45373
• 

  

  /37

  $265,000

  $10K PRICE DROP

  • 3 Beds
  • 1 Bath
  • 1,684 Sq Ft

  7947 E State Route 41, Troy, OH 45373

  Experience the charm of country living with the convenience of proximity to town. Delight in your morning coffee on the inviting front porch. The updated kitchen features a large island, perfect for casual dining, complemented by a formal dining room and modern appliances. The home includes a downstairs bedroom, two additional bedrooms upstairs, and a loft with a built-in office. The spacious

  Kim Leis Anderson Leis Realty Company

  7947 E State Route 41, Troy, OH 45373
• 

  

  /6

  $319,500

  • Land
  • 23.99 Acres
  • $13,317 per Acre

  2 Dayton-Brandt Rd, New Carlisle, OH 45344

  Lot 2 – 23.991 AcresExpansive Acreage with Dual Road Frontage for Your Custom Estate VisionWelcome to Shaw Meadows—where luxury living meets wide-open space and refined country living. This impressive 23.991-acre homesite features frontage along both Agenbroad Rd and Dayton-Brandt Rd, offering exceptional flexibility for access, layout, and design of your custom-built home.Exclusively

  Dustin Leis Leis Realty Company

  2 Dayton-Brandt Rd, New Carlisle, OH 45344
• 

  $494,795

  New Construction

  • 3 - 4 Beds
  • 2.5 Baths
  • 2,596 Sq Ft

  The Summit Plan at Emerson Crossing, Troy, OH 45373

  Legacy Design Homes Builder

  2021 Northbridge Trail Unit 37704051, Troy, OH 45373
• 

  

  /10

  $260,000

  • 3 Beds
  • 2.5 Baths
  • 1,712 Sq Ft

  317 Seneca Dr, Pleasant Hill, OH 45359

  Very nice brick ranch. All maintenance has been carefully taken care of. All appliances stay, including newer washer and dryer. Nice quiet area in a small town. Side entrance for 2 car garage. Come out and have a look.

  Carol Haworth Your Lifestyle Realty LLC

  317 Seneca Dr, Pleasant Hill, OH 45359
• 

  

  /17

  $348,284

  New Construction

  • 3 Beds
  • 2 Baths
  • 1,613 Sq Ft

  1704 Chevington Chase, Tipp City, OH 45371

  Welcome home to the Bradford plan by Arbor Homesa thoughtfully designed ranch offering 3 bedrooms, 2 full baths, and a functional layout perfect for everyday living. This home features a charming brick front Elevation B with horizontal siding accents and a 2-car front-load garage with a 2 extension for added storage space.Inside, enjoy an open-concept great room with updated flooring and seamless

  Arbor Homes Builder

  1704 Chevington Chase, Tipp City, OH 45371
• 

  /2

  $311,990

  New Construction

  • 3 Beds
  • 2 Baths
  • 1,613 Sq Ft

  1245 Wind Rock Dr, Troy, OH 45373

  Welcome to the Bradford Model by Arbor Homes! This thoughtfully designed, 1613 sq ft home offers a king-sized Primary suite, 2 additional bedrooms, 2 full baths, an expansive, open concept great room and kitchen as well as a bonus/flex room perfect for a home office. This home offers all of the convenience and space needed for modern living all on 1 level! Contact us today to find out how you

  Ryan Del Monte Keller Williams Seven Hills

  1245 Wind Rock Dr, Troy, OH 45373
• 

  

  /60

  $374,000

  $20K PRICE DROP

  • 4 Beds
  • 3 Baths
  • 2,636 Sq Ft

  4362 Bergamot Dr, Tipp City, OH 45371

  *Motivated to SELL!* Welcome to this beautifully maintained 4-bedroom, 3 full bath Craftsman-style ranch in the Carriage Trails community of Tipp City. Located within Bethel School District. Built in 2013, this home blends timeless design with thoughtful updates and exceptional functionality. Solid oak flooring on the main level, stunning kitchen cabinets and countertops, and stainless steel

  Lindsay Allison Red 1 Realty

  4362 Bergamot Dr, Tipp City, OH 45371
• 

  

  /48

  $389,900

  New Construction

  • 4 Beds
  • 2.5 Baths
  • 2,546 Sq Ft

  2951 Hoying Dr, Troy, OH 45373

  Find yourself at 2951 Hoying Dr in Troy, Ohio at our new home community Reserve at Cliff Oaks! The Bridgeport is a thoughtfully designed two-story home that blends comfort and functionality with modern style. The layout features an open-concept kitchen, dining, and living area, ideal for both entertaining guests and everyday living, all enhanced by 9-foot ceilings throughout the first floor. The

  D.R. Horton Builder

  2951 Hoying Dr, Troy, OH 45373
• 

  /2

  $278,829

  New Construction

  • 3 Beds
  • 2.5 Baths
  • 1,760 Sq Ft

  1554 Chickasaw Way, Piqua, OH 45356

  Introducing The Juniper one of Arbor Homes newest two-story floorplans, offering beautiful exterior designs and flexible options to make it uniquely yours. Choose from multiple upgrades, add a basement for extra space, or expand your great room with a 2 rear and side extension. You can even add a third-car garage for more storage.Step inside to a welcoming hallway and convenient powder bath

  Arbor Homes Builder

  1554 Chickasaw Way, Piqua, OH 45356

Showing Results 201 - 240, Page 6 of 7