Monterey, TN Homes for Sale under $100,000

• 

  

  

  /8

  $45,000

  • Land
  • 0.86 Acre
  • $52,326 per Acre

  980 Eastridge Pass, Monterey, TN 38574

  Lots now selling! GORGEOUS GATED COMMUNITY! Whether it is a stunning VIEW lot or a private interior lot, these lots in this private community are a must see! Enjoy the picnic area with views of the rolling mountains and natural landscapes. Fiber optics, underground electric, sewer, city water, natural gas available. Centrally located between Crossville and Cookeville and a short drive to

  

  Doreen Sherrill

  Crye-Leike Brown Realty

  (931) 240-2538

  980 Eastridge Pass, Monterey, TN 38574
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• 

  

  

  /14

  $50,000

  • Land
  • 0.54 Acre
  • $92,593 per Acre

  103 Westridge Trail, Monterey, TN 38574

  Lots now selling! GORGEOUS GATED COMMUNITY! Whether it is a stunning VIEW lot or a private interior lot, these lots in this private community are a must see! Enjoy the picnic area with views of the rolling mountains and natural landscapes. Fiber optics, underground electric, sewer, city water, natural gas available. Centrally located between Crossville and Cookeville and a short drive to

  

  Doreen Sherrill

  Crye-Leike Brown Realty

  (931) 616-4782

  103 Westridge Trail, Monterey, TN 38574
• 

  

  

  /19

  $29,900

  • Land
  • 2.1 Acres
  • $14,238 per Acre

  0 Creek Dr Unit 30, Monterey, TN 38574

  Discover the perfect blend of privacy and convenience with this beautiful 2.1acre lot in the highly desirable Cumberland Cove community, ideally situated between Crossville and Cookeville. Enjoy peaceful country living surrounded by nature while still being just a short drive to shopping, dining, and local attractions. This property features over 400 feet of road frontage, offering excellent

  

  Kristi Tollett

  Highlands Elite Real Estate

  (931) 208-6387

  0 Creek Dr Unit 30, Monterey, TN 38574
• 

  

  

  /8

  $45,000

  • Land
  • 2.37 Acres
  • $18,987 per Acre

  Lot 59 Moss Bend Trail, Monterey, TN 38574

  Lots now selling! GORGEOUS GATED COMMUNITY! Whether it is a stunning VIEW lot or a private interior lot, these lots in this private community are a must see! Enjoy the picnic area with views of the rolling mountains and natural landscapes. Fiber optics, underground electric, sewer, city water, natural gas available. Centrally located between Crossville and Cookeville and a short drive to

  

  Doreen Sherrill

  Crye-Leike Brown Realty Cumberland Cove

  (931) 600-5307

  Lot 59 Moss Bend Trail, Monterey, TN 38574
• 

  

  

  /8

  $45,000

  • Land
  • 0.53 Acre
  • $84,906 per Acre

  46 Westridge Trail, Monterey, TN 38574

  Lots now selling! GORGEOUS GATED COMMUNITY! Whether it is a stunning VIEW lot or a private interior lot, these lots in this private community are a must see! Enjoy the picnic area with views of the rolling mountains and natural landscapes. Fiber optics, underground electric, sewer, city water, natural gas available. Centrally located between Crossville and Cookeville and a short drive to

  

  Doreen Sherrill

  Crye-Leike Brown Realty

  (931) 367-2894

  46 Westridge Trail, Monterey, TN 38574
• 

  

  /14

  $50,000

  • Land
  • 1.13 Acres
  • $44,248 per Acre

  164 Westridge Trail, Monterey, TN 38574

  Lots now selling! GORGOUSE GATED COMMUNITY! Whether it is a stunning VIEW lot, or a private interior lot. These lots in this private community is a must see! Enjoy the picnic area with views of the rolling mountains and natural landscapes. Fiber optics, underground electric, sewer, city water, natural gas available. Centrally located between Crossville and Cookeville and a short drive to

  

  Doreen Sherrill

  Crye-Leike Brown Realty

  (931) 340-5765

  164 Westridge Trail, Monterey, TN 38574
• 

  

  /8

  $40,000

  • Land
  • 0.95 Acre
  • $42,105 per Acre

  1121 Eagle Roost Ct, Monterey, TN 38574

  Lots now selling! GORGEOUS GATED COMMUNITY! Whether it is a stunning VIEW lot or a private interior lot, these lots in this private community are a must see! Enjoy the picnic area with views of the rolling mountains and natural landscapes. Fiber optics, underground electric, sewer, city water, natural gas available. Centrally located between Crossville and Cookeville and a short drive to

  

  Doreen Sherrill

  Crye-Leike Brown Realty

  (931) 416-0989

  1121 Eagle Roost Ct, Monterey, TN 38574
• 

  

  /15

  $50,000

  • Land
  • 0.93 Acre
  • $53,763 per Acre

  Lot 112 Westridge Trail, Monterey, TN 38574

  Lots now selling! GORGEOUS GATED COMMUNITY! Whether it is a stunning VIEW lot or a private interior lot, these lots in this private community are a must see! Enjoy the picnic area with views of the rolling mountains and natural landscapes. Fiber optics, underground electric, sewer, city water, natural gas available. Centrally located between Crossville and Cookeville and a short drive to

  

  Doreen Sherrill

  Crye-Leike Brown Realty Cumberland Cove

  (931) 888-3926

  Lot 112 Westridge Trail, Monterey, TN 38574
• 

  

  /15

  $40,000

  • Land
  • 0.25 Acre
  • $160,000 per Acre

  Lot 138A Westridge Trail, Monterey, TN 38574

  Lots now selling! GORGEOUS GATED COMMUNITY! Whether it is a stunning VIEW lot or a private interior lot, these lots in this private community are a must see! Enjoy the picnic area with views of the rolling mountains and natural landscapes. Fiber optics, underground electric, sewer, city water, natural gas available. Centrally located between Crossville and Cookeville and a short drive to

  

  Doreen Sherrill

  Crye-Leike Brown Realty Cumberland Cove

  (931) 914-0624

  Lot 138A Westridge Trail, Monterey, TN 38574
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  /7

  $45,000

  • Land
  • 2.8 Acres
  • $16,071 per Acre

  0 Little Place Unit 23, Monterey, TN 38574

  

  Ed Parrott

  Keller Williams Realty

  (931) 404-5875

  0 Little Place Unit 23, Monterey, TN 38574
• 

  

  /8

  $50,000

  • Land
  • 0.89 Acre
  • $56,180 per Acre

  716 Eastridge Pass, Monterey, TN 38574

  Lots now selling! GORGEOUS GATED COMMUNITY! Whether it is a stunning VIEW lot or a private interior lot, these lots in this private community are a must see! Enjoy the picnic area with views of the rolling mountains and natural landscapes. Fiber optics, underground electric, sewer, city water, natural gas available. Centrally located between Crossville and Cookeville and a short drive to

  

  Doreen Sherrill

  Crye-Leike Brown Realty

  (931) 240-3792

  716 Eastridge Pass, Monterey, TN 38574
• 

  /2

  $11,500

  • Land
  • 1.22 Acres
  • $9,465 per Acre

  Lot 5 Cumberland Lakes Dr, Monterey, TN 38574

  Build your dream home in the peaceful Cumberland Lakes community! Lot 5 on Cumberland Lakes Drive offers a beautiful setting with gently rolling terrain and scenic natural surroundings in Monterey, TN. Enjoy the tranquility of country living while still being conveniently located near town amenities, outdoor recreation, and major roadways. This lot provides the perfect canvas for a custom home,

  

  Kathy Dunn

  Highlands Elite Real Estate LLC

  (931) 360-5298

  Lot 5 Cumberland Lakes Dr, Monterey, TN 38574
• 

  /2

  $41,500

  • Land
  • 4.4 Acres
  • $9,432 per Acre

  Lot 8 Creek Dr, Monterey, TN 38574

  One-of-a-kind opportunity! This beautiful 4.4-acre property offers exceptional privacy with the back of the lot bordering Bridge Creek. Your own natural oasis right in your backyard. Imagine relaxing to the sound of flowing water, surrounded by mature hardwoods, mountain laurel and a stunning natural landscape that feels untouched and serene. This is the kind of setting buyers dream about but

  

  Doreen Sherrill

  Crye-Leike Brown Realty

  (931) 281-8950

  Lot 8 Creek Dr, Monterey, TN 38574
• 

  

  /15

  $50,000

  • Land
  • 0.84 Acre
  • $59,524 per Acre

  Lot 118 Westridge Trail, Monterey, TN 38574

  ots now selling! GORGEOUS GATED COMMUNITY! Whether it is a stunning VIEW lot or a private interior lot, these lots in this private community are a must see! Enjoy the picnic area with views of the rolling mountains and natural landscapes. Fiber optics, underground electric, sewer, city water, natural gas available. Centrally located between Crossville and Cookeville and a short drive to

  

  Doreen Sherrill

  Crye-Leike Brown Realty Cumberland Cove

  (931) 458-1029

  Lot 118 Westridge Trail, Monterey, TN 38574
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  /7

  $35,000

  • Land
  • 0.86 Acre
  • $40,698 per Acre

  Lot 1 Wind Rush Way, Monterey, TN 38574

  Lots now selling! GORGEOUS GATED COMMUNITY! Whether it is a stunning VIEW lot or a private interior lot, these lots in this private community are a must see! Enjoy the picnic area with views of the rolling mountains and natural landscapes. Fiber optics, underground electric, sewer, city water, natural gas available. Centrally located between Crossville and Cookeville and a short drive to

  

  Doreen Sherrill

  Crye-Leike Brown Realty Cumberland Cove

  (931) 616-1667

  Lot 1 Wind Rush Way, Monterey, TN 38574
• 

  

  /14

  $100,000

  • Land
  • 0.71 Acre
  • $140,845 per Acre

  1085 Eastridge Pass, Monterey, TN 38574

  Lots now selling! GORGEOUS GATED COMMUNITY! Whether it is a stunning VIEW lot or a private interior lot, these lots in this private community are a must see! Enjoy the picnic area with views of the rolling mountains and natural landscapes. Fiber optics, underground electric, sewer, city water, natural gas available. Centrally located between Crossville and Cookeville and a short drive to

  

  Doreen Sherrill

  Crye-Leike Brown Realty

  (931) 914-3098

  1085 Eastridge Pass, Monterey, TN 38574
• 

  

  /8

  $45,000

  • Land
  • 2.19 Acres
  • $20,548 per Acre

  860 Eastridge Pass, Monterey, TN 38574

  Lots now selling! GORGEOUS GATED COMMUNITY! Whether it is a stunning VIEW lot or a private interior lot, these lots in this private community are a must see! Enjoy the picnic area with views of the rolling mountains and natural landscapes. Fiber optics, underground electric, sewer, city water, natural gas available. Centrally located between Crossville and Cookeville and a short drive to

  

  Doreen Sherrill

  Crye-Leike Brown Realty

  (931) 575-6589

  860 Eastridge Pass, Monterey, TN 38574
• 

  

  /14

  $40,000

  • Land
  • 0.23 Acre
  • $173,913 per Acre

  125 Westridge Trail, Monterey, TN 38574

  Lots now selling! GORGEOUS GATED COMMUNITY! Whether it is a stunning VIEW lot or a private interior lot, these lots in this private community are a must see! Enjoy the picnic area with views of the rolling mountains and natural landscapes. Fiber optics, underground electric, sewer, city water, natural gas available. Centrally located between Crossville and Cookeville and a short drive to

  

  Doreen Sherrill

  Crye-Leike Brown Realty

  (931) 600-5578

  125 Westridge Trail, Monterey, TN 38574
• 

  

  /8

  $40,000

  • Land
  • 1.15 Acres
  • $34,783 per Acre

  1131 Moss Bend Tr, Monterey, TN 38574

  Lots now selling! GORGEOUS GATED COMMUNITY! Whether it is a stunning VIEW lot or a private interior lot, these lots in this private community are a must see! Enjoy the picnic area with views of the rolling mountains and natural landscapes. Fiber optics, underground electric, sewer, city water, natural gas available. Centrally located between Crossville and Cookeville and a short drive to

  

  Doreen Sherrill

  Crye-Leike Brown Realty

  (931) 345-3114

  1131 Moss Bend Tr, Monterey, TN 38574
• 

  /2

  $25,000

  • Land
  • 3.1 Acres
  • $8,065 per Acre

  21 Bent Tree Rd, Monterey, TN 38574

  Build Your Dream Home on this Gorgeous 3.1-Acre Wooded Homesite in Prestigious Cumberland Cove - Tucked Away on a Quiet Cul-de-Sac with Multiple Gentle Building Sites!Imagine waking up every morning surrounded by towering hardwoods, listening to the whisper of the wind through the trees and the gentle trickle of nearby creeks. This is peaceful, private, plateau living at its very finest. City

  

  Victoria Carmack

  1 Source Realty Pros

  (931) 813-9677

  21 Bent Tree Rd, Monterey, TN 38574
• 

  

  /11

  $19,800

  • Land
  • 1.01 Acres
  • $19,604 per Acre

  164 Parkview Place, Monterey, TN 38574

  ***OWNER FINANCING AVAILABLELocated in Cumberland Cove, this 1.01-acre lot offers the same peaceful mountain lifestyle that makes this community so desirable. Surrounded by natural beauty and set within a quiet, well-kept neighborhood, the property is ideal for building a private residence where space, privacy, and a slower pace of life take center stage. If you are looking for more land

  Dean Clark D & D Dreamland Properties, LLC

  164 Parkview Place, Monterey, TN 38574
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  /10

  $38,995

  • Land
  • 2.2 Acres
  • $17,725 per Acre

  0 Pinney Place, Monterey, TN 38574

  Parcel #: 007 023.00Address: Pinney Pl. Monterey, TN 38574County: CumberlandTaxes $60/yearHOA $11.50/monthZoning: ResidentialCumberland Cove subdivisionPower AvailablePublic waterWill need septicTerms:Cash Price: $38,995, plus a $549 document feeOwner Financing: $500 down, plus a $549 document fee, then $505.50/mo. for 120 months

  Aubrey Custalow Everland Equity / MT Land Ventures LLC

  0 Pinney Place, Monterey, TN 38574
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  /7

  $100,000

  • Land
  • 0.72 Acre
  • $138,889 per Acre

  815 Eastridge Pass, Monterey, TN 38574

  Lots Now Available & Selling! Gorgeous Gated Community within Cumberland Cove. Whether you are searching for a stunning view or a private interior, these lots are worth your time to view. Enjoy the picnic area (common area) with breathtaking views of the rolling mountains & natural landscapes. Underground utilities including electric, sewer, water, fiber optics & natural gas. Centrally located

  Greg Barnwell Crye-Leike Brown Realty

  815 Eastridge Pass, Monterey, TN 38574
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  /7

  $50,000

  • Land
  • 1.03 Acres
  • $48,544 per Acre

  1050 Eastridge Pass, Monterey, TN 38574

  Lots Now Available & Selling! Gorgeous Gated Community within Cumberland Cove. Whether you are searching for a stunning view or a private interior, these lots are worth your time to view. Enjoy the picnic area (common area) with breathtaking views of the rolling mountains & natural landscapes. Underground utilities including electric, sewer, water, fiber optics & natural gas. Centrally located

  Greg Barnwell Crye-Leike Brown Realty

  1050 Eastridge Pass, Monterey, TN 38574
• 

  

  /3

  $29,900

  • Land
  • 4 Acres
  • $7,475 per Acre

  0 Icy Cove Tr Unit 37, Monterey, TN 38574

  Wooded 4 acre property in the quiet country setting of Cumberland Cove. City water, natural gas, fiber optic internet, electric & phone available at street. 3 private parks for Cove Residents with hiking trails, waterfalls, caves, creeks and fantastic scenic views. 25 minutes to Cookeville or Crossville where you'll find all amenities. 90 minutes to Nashville, Knoxville or Chattanooga. Light

  Warren Schreier Cumberland Cove Real Estate Inc

  0 Icy Cove Tr Unit 37, Monterey, TN 38574
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  /5

  $16,000

  • Land
  • 1.03 Acres
  • $15,489 per Acre

  00 Divide Trail, Monterey, TN 38574

  Welcome to the beautiful Cumberland Lakes community! With a very active neighborhood watch, community center, quarterly newsletter, two dam-controlled lakes with boat ramp access, three common parks, picnic areas, and a community clubhouse, 25 miles of hiking or biking paved roads throughout this beautiful wooded community!!! This buildable lot is ready for your dream home! POA $175/yr. No HOA

  Tammy Jo Atkins Highlands Elite Real Estate LLC - Baxter

  00 Divide Trail, Monterey, TN 38574
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  /22

  $19,900

  • Land
  • 1.2 Acres
  • $16,583 per Acre

  lot # 16 Laurel Loop, Monterey, TN 38574

  This property is located in the beautiful Cumberland Lakes community. This level 1.2 wooded acres is in a quite area and was previously evaluated and approved for a 3 bedroom septic. The community boasts a center, two dam-controlled lakes with boat ramp access, three common parks, picnic areas, and a community clubhouse for property owners to enjoy. Directly behind the lot is a 1023 acre property

  Terrill Clark Tennessee Southern Properties LLC

  lot # 16 Laurel Loop, Monterey, TN 38574
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  /6

  $26,999

  • Land
  • 2 Acres
  • $13,500 per Acre

  Lot 8 Anne Rd, Monterey, TN 38574

  Welcome to peaceful Cumberland Lakes! This beautiful wooded lot offers a great possible building opportunity with a serene country setting within a private, well-maintained community. Enjoy access to two private lakes with boat ramps for electric-powered boats, kayaks, and canoes, along with parks, picnic areas, and a community clubhouse. There are restrictions to help preserve the quality of the

  David Eldridge The Real Estate Collective

  Lot 8 Anne Rd, Monterey, TN 38574
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  /2

  $50,000

  • Land
  • 0.41 Acre
  • $123,051 per Acre

  00 Speck Ave, Monterey, TN 38574

  Located in the heart of Monterey, this level building lot offers an excellent opportunity to bring your vision to life. Whether you're considering a primary residence or investment property, enjoy the convenience of nearby local amenities while still appreciating the peaceful, small-town atmosphere Monterey is known for. With easy access and a desirable setting, this lot is a solid foundation for

  Kelly Morgan The Realty Firm

  00 Speck Ave, Monterey, TN 38574
• 

  

  /6

  $75,000

  786 E Eastridge Pass, Monterey, TN 38574

  Lot 50 in The Bluffs at Cumberland Cove with great sunset views! 3 other adjacent lots available that will total almost 500 feet of bluff frontage! Take your pick with other options that may work best for your needs and your build. Will sell all 4 lots together, 2 adjacent lots together, or end lots individually. Call me now for more details!

  Keith McCoy Cumberland Mountain Realty

  786 E Eastridge Pass, Monterey, TN 38574
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  /8

  $29,900

  0 Cumberland Lakes Dr Unit 1291370, Monterey, TN 38574

  This lot in Cumberland Lakes is conveniently located between Crossville and Cookeville. Electricity is available at the road, but a well is needed for water. Local homeowners confirm good water quality. A great opportunity to build your dream home or retreat. *Buyer to verify all information before making an offer.

  Emma Tebault Third Tennessee Realty and Associates LLC

  0 Cumberland Lakes Dr Unit 1291370, Monterey, TN 38574
• 

  

  /16

  $19,900

  • Land
  • 2 Acres
  • $9,950 per Acre

  0 Creek Dr Unit 11363533, Monterey, TN 38574

  *OWNER FINANCING AVAILABLE! CALL FOR MORE DETAILS! Check out this 2 acre lot located in Cumberland Cove! Cumberland Cove is situated between Crossville and Cookeville. A beautiful country setting that is close to shopping and activities! Electric, gas, water and high speed internet available at the road. Call today for more information! Check out cumberlandcovepoa .com for more information on

  Donna Baisley Baisley Hometown Realty, LLC

  0 Creek Dr Unit 11363533, Monterey, TN 38574
• 

  /2

  $20,000

  • Land
  • 1.03 Acres
  • $19,417 per Acre

  0 Mountain Ash Dr Unit 236190, Monterey, TN 38574

  Nestled in the highly desirable Cumberland Cove subdivision, this stunning 1+ acre lot offers the perfect canvas for your dream home. The land features a mix of flat to gently rolling terrain, making it ideal for a variety of home styles and landscaping visions. Enjoy the peaceful, natural setting while being part of a sought-after community known for its spacious lots and serene atmosphere. With

  Abbie Norwood The Real Estate Collective

  0 Mountain Ash Dr Unit 236190, Monterey, TN 38574
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  /6

  $27,500

  • Land
  • 1.18 Acres
  • $23,404 per Acre

  Lot 38 Crystal Point, Monterey, TN 38574

  This is approx. 1 acre property located on Crystal Pt cut-de-sac. Very private country setting for this wooded property with a small creek at back boarder and a potential Seasonal Lake View. Good flat building site on property. Private Parks have boat ramps for your electric powered boats, canoes or Kayaks with picnic areas. There is also a community clubhouse. Mild restrictions maintain the

  Warren Schreier Cumberland Cove Real Estate, Inc.

  Lot 38 Crystal Point, Monterey, TN 38574
• 

  

  /10

  $13,900

  • Land
  • 1.03 Acres
  • $13,495 per Acre

  0 Divide Tr Unit 8, Monterey, TN 38574

  This peaceful lot in Cumberland Lakes offers a secluded setting with easy access to Crossville and Cookeville. Electricity is available at the road, and while a well is needed, local homeowners report good water quality. A perfect spot for your dream home or getaway. *Buyer to verify all information before making an offer.

  Emma Dayton Third Tennessee Realty and Associates

  0 Divide Tr Unit 8, Monterey, TN 38574
• 

  

  /6

  $26,999

  • Land
  • 2 Acres
  • $13,500 per Acre

  0 Anne Rd Unit 8, Monterey, TN 38574

  Welcome to peaceful Cumberland Lakes! This beautiful wooded lot offers a great possible building opportunity with a serene country setting within a private, well-maintained community. Enjoy access to two private lakes with boat ramps for electric-powered boats, kayaks, and canoes, along with parks, picnic areas, and a community clubhouse. There are restrictions to help preserve the quality of the

  David Eldridge THE REAL ESTATE COLLECTIVE

  0 Anne Rd Unit 8, Monterey, TN 38574
• 

  

  /3

  $29,900

  • Land
  • 4 Acres
  • $7,475 per Acre

  0 Icy Cove Tr Unit 1263632, Monterey, TN 38574

  Wooded 4 acre property in the quiet country setting of Cumberland Cove. City water, natural gas, fiber optic internet, electric & phone available at street. 3 private parks for Cove Residents with hiking trails, waterfalls, caves, creeks and fantastic scenic views. 25 minutes to Cookeville or Crossville where you'll find all amenities. 90 minutes to Nashville, Knoxville or Chattanooga. Light

  Warren Schreier Cumberland Cove Real Estate

  0 Icy Cove Tr Unit 1263632, Monterey, TN 38574
• 

  

  /15

  $42,000

  • Land
  • 3.2 Acres
  • $13,125 per Acre

  0 Cumberland Lakes Dr Unit 229234, Monterey, TN 38574

  Nestled in the serene Cumberland Lakes subdivision, this 3.28-acre lot offers a tranquil escape surrounded by nature's beauty. Located within a 1,080-acre forest, this property is graced with a stunning creek, adding to its natural charm. The Lakes community boasts quiet country living with 632 wooded lots and picturesque homes encircling four pristine lakes. Residents enjoy access to two boat

  Shannon Gomez Keller Williams Realty DBA Cookeville RE Company

  0 Cumberland Lakes Dr Unit 229234, Monterey, TN 38574
• 

  

  /5

  $27,500

  • Land
  • 1.3 Acres
  • $21,154 per Acre

  Lot 17 T Rd, Monterey, TN 38574

  Build your dream home on this perfect lot nestled in the highly sought after Cumberland Cove subdivision. This 1.3-acre lot offers a mix of cleared and wooded land with a peaceful creek along the back of the property. Enjoy the privacy of a scenic mountain community while being just minutes from Monterey, a short drive to Cookeville, and close to hiking and outdoor recreation at Cumberland

  Brooke Phillips The Real Estate Collective

  Lot 17 T Rd, Monterey, TN 38574
• 

  /2

  $12,000

  • Land
  • 1.02 Acres
  • $11,765 per Acre

  0 Halfway Rd Unit 1310129, Monterey, TN 38574

  Build Your Dream in Cumberland Lakes!Nestled within the tranquil beauty of Cumberland Lakes subdivision, this picturesque 1-acre lot awaits your vision. Surrounded by nature's serenity, this parcel offers the perfect canvas to build your dream home or weekend getaway. Enjoy community amenities, including private lake access,and picnic areas, . Located conveniently near Monterey and

  Heather Cowart Highlands Elite Real Estate

  0 Halfway Rd Unit 1310129, Monterey, TN 38574

Showing Results 41 - 80, Page 2 of 5