Murphy, NC Homes for Sale

• 

  

  

  /25

  $30,000

  • Land
  • 1 Acre
  • $30,000 per Acre

  Lot 20 Wilderness Creek Way, Murphy, NC 28906

  Surround your new home with the peaceful beauty of nature within this one-acre lot with electricity and water available. This lot is located inside the beautiful Wilderness Creek Falls community. This gated community offers hiking trails, and a wonderfully large community common area surrounded by streams, with a pavilion, picnic area, and a fire pit next to its own private waterfall! Close to

  Marie Kumar EXIT Realty Mtn View Prop.

  Lot 20 Wilderness Creek Way, Murphy, NC 28906
• 

  

  

  /76

  $599,900

  • 5 Beds
  • 4 Baths

  43 Hitchcock St, Murphy, NC 28906

  Charming 1970s Home with Income-Generating Apartment on a Peaceful Street in Downtown Murphy Welcome to this spacious 4-bedroom, 3-bathroom home situated on an impressive 4 city lots, located on a peaceful street just a short walk from the vibrant heart of downtown Murphy. This property combines the character of a classic 1970s home with the potential for modern updates, making it a fantastic

  The Autumn Ritz Team Virtual Realty - Aug Chronicle

  43 Hitchcock St, Murphy, NC 28906
• 

  

  

  /36

  $399,000

  • 2 Beds
  • 3 Baths

  85 Flat Top Trail Unit 64, Murphy, NC 28906

  This mountain Chalet with mountain views is in the popular Highland Creek community. Home has an open floor plan with great room with vaulted wood ceiling, wood floor and stone fireplace. The black appliances in the kitchen contrast well with the wood tone cabinets plus a breakfast bar/island. Down the hall is the guest bed and bath as well as the laundry area. Upstairs is a spacious loft with

  Donna Mousa Mountain Aire Realty

  

  85 Flat Top Trail Unit 64, Murphy, NC 28906
• 

  

  

  /5

  $28,000

  • Land
  • 1.03 Acres
  • $27,184 per Acre

  Lt 527-4 Farmers Top Dr, Murphy, NC 28906

  Beautiful building lot in the much sought after community of Tarheel. With limited trimming/tree removal the view would be astounding. A driveway has been pushed in off Farmers Top Drive to a level area at the top of this lot. Tarheel is noted for its privacy as well as close proximity to downtown Murphy. Perfect location for a vacation getaway, investment property or full time residence.

  Beverly Koon EXIT Realty Mtn View Prop.

  Lt 527-4 Farmers Top Dr, Murphy, NC 28906
• 

  

  

  /43

  $437,900

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

  331 Vineyard Creek Way, Murphy, NC 28906

  Beautiful Modern Mountain Cabin! Gorgeous 2-bedroom, 3-bath home with an owner's suite on the main level featuring a double vanity, walk-in tile shower, and spacious walk-in closet. The great room offers a cozy gas log fireplace featuring Tennessee fieldstone and a Sequoia live-edge mantle, plus a tongue-and-groove wood ceiling that enhances the cabin's warm mountain charm. French doors open onto

  Helen Russell EXIT Realty Mtn View Prop.

  331 Vineyard Creek Way, Murphy, NC 28906
• 

  

  /7

  $24,800

  • Land
  • 1.32 Acres
  • $18,788 per Acre

  Lot 49 Burger Rd, Murphy, NC 28906

  Experience the beauty of mountain living with Lot 49 in the prestigious Ivy Bend subdivision, nestled just off Burger Road in Murphy, NC. This gently rolling, sloped, and wooded lot offers a peaceful, private setting surrounded by nature. Take in the quiet serenity and enjoy seasonal mountain views that enhance the natural charm of the property. Whether you're dreaming of a full-time home or a

  Derrick Palmer Department Of Veterans Affairs

  Lot 49 Burger Rd, Murphy, NC 28906
• 

  

  /6

  $75,000

  • Land
  • 1.21 Acres
  • $61,983 per Acre

  Tr 47 Majestic Mountain Trail, Murphy, NC 28906

  Imagine a lifestyle enveloped by the majestic mountains of Murphy, NC, where each day greets you with expansive views and the fresh, invigorating mountain air. Introducing a pristine 1.21-acre, level and open lot a perfect canvas awaiting the blueprint of your dream home. This exceptional property comes fully prepared with underground utilities and access via a well-maintained paved road,

  Joey Reid Appalachian Land Company

  Tr 47 Majestic Mountain Trail, Murphy, NC 28906
• 

  

  /36

  $325,000

  • 2 Beds
  • 2 Baths

  340 Mountain Top Dr, Murphy, NC 28906

  Escape to this charming 2-bedroom, 2-bath chalet-style log cabin, perched on Mountain Top Drive in the friendly small town of Murphy, North Carolina. Breathtaking long-range mountain views greet you from nearly every window in this fully furnished retreat. Inside, warm wooden floors, high ceilings, and authentic cabin character create a cozy, welcoming feel. Gather around the inviting floor to

  Kellie Coulter Coldwell Banker High Country

  

  340 Mountain Top Dr, Murphy, NC 28906
• 

  

  /44

  $479,800

  • 4 Beds
  • 3.5 Baths
  • 3,478 Sq Ft

  1082 Valley River Ave, Murphy, NC 28906

  A traditional southern charmer in this two-story 4BR 3.5BA in city limits of Murphy w/1BR 1BA apartment over the detached garage. Cross the threshold of the front door & enter an extremely large foyer w/coffered ceilings & a fireplace that sets the refined tone of this home. A stately staircase up to a landing that can be a library or game room w/French doors out to a covered balcony for more

  Joey Reid Appalachian Land Company

  1082 Valley River Ave, Murphy, NC 28906
• 

  

  /16

  $28,000

  • Land
  • 34,848 Sq Ft
  • $35,000 per Acre

  Lot 5 Ivy Log Dr, Murphy, NC 28906

  Get your new home building site for the Holidays! Don't miss out on our exclusive sale on mobile home lots starting at just $35k in the brand new subdivision of Acorn Hollow, located off Ivy Log Rd in the picturesque Hanging Dog Area of Beautiful Murphy NC. Minutes to Downtown Murphy.

  Elizabeth Yeoman EXIT Realty Mtn View Prop.

  Lot 5 Ivy Log Dr, Murphy, NC 28906
• 

  

  /57

  $300,000

  • 3 Beds
  • 2 Baths

  904 Midway Creek Rd, Murphy, NC 28906

  Tucked away at the end of the road for exceptional privacy, this very well maintained 3 bedroom, 2 bath doublewide sits on 2.36 beautiful acres with a level yard and picturesque creek flowing through the property. Enjoy peaceful outdoor living with a gazebo, hot tub, screened porch, deck, and circle driveway that makes coming and going easy. Inside, you'll find comfortable main level living with

  Dan O'Connell Exp Realty, LLC (Mls Only)

  904 Midway Creek Rd, Murphy, NC 28906
• 

  

  /31

  $69,900

  • Land
  • 3.54 Acres
  • $19,746 per Acre

  Lot 67 Wilderness Creek Way, Murphy, NC 28906

  JUST REDUCED!! If you are looking to build your forever mountain home, this BIG lot is for you. Welcome to 3.54 +/- acres of land with a stunning mountain view, almost at the end of the road, and privacy. Underground utilities available. Located in one of Western NC's rarest and amazing natural amenities this Wilderness Creek Falls has to offer. Upscale gated community with high-end homes. Enjoy

  Mary Schuler BIG Realty!

  Lot 67 Wilderness Creek Way, Murphy, NC 28906
• 

  

  /6

  $48,500

  • Land
  • 1.07 Acres
  • $45,327 per Acre

  6-3 Katerina Ln, Murphy, NC 28906

  UNRESTRICTED! INVESTORS, BUILDERS, DEVELOPERS!!! Serene 1+ acre lot with paved drive leading to a building pad with 3-bedroom septic system installed. Property also has access to a drilled well (pump and water line needed). Fiber Optic Internet and electric available on P'tree Mtn Estates Dr. If you are seeking UNRESTRICTED acreage, look no further! Seasonal mountain views, top a few trees and

  Sally A Bates BHGRE Metro Brokers - Blairsville

  6-3 Katerina Ln, Murphy, NC 28906
• 

  

  /72

  $549,000

  New Construction

  • 3 Beds
  • 2 Baths
  • 1,577 Sq Ft

  460 River Mountain Rd, Murphy, NC 28906

  Nestled on a serene, wooded interior lot with gently rolling slopes, this stunning new construction home perfectly blends traditional charm with modern luxury. Arrive via a well-maintained, private paved asphalt road and pass through the secure gated entrance to find a striking exterior crafted from wood siding and stone veneer, topped with a durable metal roof and a welcoming front porch.

  Kaitlynn Pope Department Of Veterans Affairs

  460 River Mountain Rd, Murphy, NC 28906
• 

  

  /21

  $190,000

  • 1 Bed
  • 1 Bath
  • 500 Sq Ft

  385 Old Whitener Rd, Murphy, NC 28906

  Your mountain getaway awaits! This easily accessible retreat features a new metal roof, a beautiful creek, and a recently updated septic system, offering comfort and peace of mind. Surrounded by the natural beauty of the mountains, this property provides everything you need to relax and feel right at home. Whether you're looking for a weekend escape, vacation rental, or full-time retreat, this is

  Blake Dockery Virtual Realty - Aug Chronicle

  385 Old Whitener Rd, Murphy, NC 28906
• 

  

  /5

  $20,000

  • Land
  • 37,461 Sq Ft
  • $23,256 per Acre

  0 Hidden Ln Unit 158270, Murphy, NC 28906

  Build Your Mountain Getaway in Hidden Lane Estates, located in Murphy, NC. Beautiful 0.86-acre residential lot located in the peaceful Hidden Lane Estates community in Murphy, NC. This property offers the perfect combination of privacy, convenience, and mountain living. Property Features include paved road access, community water available, gentle, buildable lot, quiet neighborhood setting, great

  Joey Reid Appalachian Land Company

  0 Hidden Ln Unit 158270, Murphy, NC 28906
• 

  

  /42

  $460,000

  New Construction $25K PRICE DROP

  • 3 Beds
  • 3.5 Baths

  324 Golden Eagle Dr, Murphy, NC 28906

  Don't miss this stunning modern cabin that seamlessly blends rustic charm with contemporary comfort. Situated on a wooded lot of over an acre, this spacious 3-bedroom, 3.5-bath home features two master suites-one on each level-along with two bonus rooms, including a recreation room. The open-concept kitchen boasts granite countertops and a large island, while the main-level laundry adds everyday

  Deborah Wilson Coldwell Banker High Country

  

  324 Golden Eagle Dr, Murphy, NC 28906
• 

  

  /40

  $239,900

  • 3 Beds
  • 2 Baths
  • 1,692 Sq Ft

  67 Lowell St, Murphy, NC 28906

  This well-maintained three bedroom, two bath home is conveniently located within the city limits on a quiet street bordering U.S. Forest Service property, offering a peaceful setting with a natural backdrop. Situated on a 0.36 +/-acre lot, the property features a fully fenced yard—perfect for pets, play, or gardening. Inside, you'll find a functional floor plan with a versatile bonus room that

  Dexter Hubbard ReMax Mountain Properties

  67 Lowell St, Murphy, NC 28906
• 

  

  /14

  $279,900

  • 2 Beds
  • 2 Baths

  67 Brandys Way, Murphy, NC 28906

  Tucked away in the woods yet conveniently located just off a paved state road, this charming 2 bedroom, 2 bath cabin offers the perfect blend of privacy and accessibility. Only minutes from historic downtown Murphy, Harrah's Cherokee Valley River Casino & Hotel, hiking trails, and Hiwassee Lake for boating and swimming. Inside, you'll find beautiful oak hardwood floors and a spacious great room

  Carol Robinson Coldwell Banker High Country

  67 Brandys Way, Murphy, NC 28906
• 

  

  /39

  $269,800

  • 2 Beds
  • 2 Baths
  • 864 Sq Ft

  54 Hawthorne Ln, Murphy, NC 28906

  BRAND NEW CONSTRUCTION! 2bed/2bath cabin with gorgeous rough cut wood siding, metal roof, and full length covered back porch to rock away the days overlooking the view of the mountains. Large crawl space for storage and access. Step inside from your covered entry porch to an all wood, open floor plan with vaulted ceiling, lots of windows for natural light, stone fireplace, kitchen with beautiful

  Poltrock Team Department Of Veterans Affairs

  54 Hawthorne Ln, Murphy, NC 28906
• 

  

  /16

  $13,000

  • Land
  • 1 Acre
  • $13,000 per Acre

  Lot 62 & Creek Lot A Stone Ridge Falls Subdivision, Murphy, NC 28906

  **Motivated seller- bring offers!** Are you looking to build your mountain home, and would love to have a spot to fish with the kids or grandkids? Look no further than this very special opportunity to live in a peaceful gated community AND hold deeded access to trout fishing in Owl Creek (without the flood risk to your home)! Enjoy the tranquility of fishing in the creek or just sitting on the

  Christina Toole Coldwell Banker High Country

  Lot 62 & Creek Lot A Stone Ridge Falls Subdivision, Murphy, NC 28906
• 

  

  /9

  $14,900

  • Land
  • 31,798 Sq Ft
  • $20,411 per Acre

  Lot 62 Highland Ridge Trail, Murphy, NC 28906

  Private and secluded 0.73 acre wooded lot located at the end of the road in desirable Angel Mountain Estates. This mountain property offers beautiful long-range winter mountain views with the potential for year-round views through selective clearing. Paved blacktop roads provide easy access, and the community features an attractive entrance with a pond and pavilion. Power and water are available

  Cynthia Nichole Creech Whitetail Properties Real Estate, LLC

  Lot 62 Highland Ridge Trail, Murphy, NC 28906
• 

  

  /44

  $289,000

  • 2 Beds
  • 1 Bath

  64 Timberline Rd, Murphy, NC 28906

  Fall in love with this adorable 2 bedroom/1 bathroom cabin nestled inside a wooded 6.42-acre oasis with a branch and garden area. This cottage gem features a cozy living area complete with wood beamed ceilings, a large brick fireplace with wood stove insert, kitchen and dining area, full bathroom with tile shower, and two bedrooms. Inside second bedroom is a ladder that leads to an attic bonus

  Marie Kumar EXIT Realty Mtn View Prop.

  64 Timberline Rd, Murphy, NC 28906
• 

  

  /28

  $79,999

  • Land
  • 2.69 Acres
  • $29,739 per Acre

  4, 5 &6 Mountain Wood Dr, Murphy, NC 28906

  Awesome Wells Lake 3 lots for sale together =2.69 3 lots combined as one tract with septic system already installed and county approved on center lot #5. Flanking lots #4 and #6 cannot be developed but they provide a quiet buffer between you and your neighbors. There is a shared well for lots 1-6 with a connection at the roadside near lots. Electricity and cable are also available at the road .

  Sandra Daley Appalachian Mountain and Lake Properties

  4, 5 &6 Mountain Wood Dr, Murphy, NC 28906
• 

  

  /20

  $284,900

  • 2 Beds
  • 2 Baths
  • 640 Sq Ft

  433 Damon's Trail, Murphy, NC 28906

  Escape to your own mountain retreat just 15 minutes from downtown Murphy! Nestled on over an acre, this charming furnished 2BR/2BA single-level cabin blends rustic character with modern updates, offering the perfect balance of comfort and convenience. Step inside to an open-concept layout with vaulted ceilings, warm wood floors, and a beautifully updated kitchen featuring granite countertops, new

  Elizabeth Yeoman EXIT Realty Mtn View Prop.

  433 Damon's Trail, Murphy, NC 28906
• 

  

  /17

  $99,800

  • Land
  • 32,670 Sq Ft
  • $133,067 per Acre

  674 Warbler Rd, Murphy, NC 28906

  Unbelievable VIEWS! Rare opportunity to own a parcel of Mountain view land in a quiet subdivision with 2 bedroom septic tank installed, shared well and electric hook up already in place, at a great price! Minimal restrictions, perfect for building your dream cabin, tiny home or just park your RV and stay as long as you want. Easy access, little traffic, close to the Ga. and Tn. line. Just minutes

  Dottie Colestock BIG Realty!

  674 Warbler Rd, Murphy, NC 28906
• 

  

  /100

  $1,250,000

  • 5 Beds
  • 4.5 Baths

  115 Dawsons Ln, Murphy, NC 28906

  Fabulous Mountain Country Estate | 5 BR | 4.5 BA | Nearly 10 Acres This exceptional country estate in the mountains of Western North Carolina is designed to satisfy the most discerning buyer—and then some. Perfectly positioned on nearly 10 acres of gently rolling, partially open and partially wooded unrestricted land, the setting offers privacy, beauty, and convenience with easy access from a

  Michelle Spies Carolina Mountain Homes

  115 Dawsons Ln, Murphy, NC 28906
• 

  

  /21

  $23,500

  $6K PRICE DROP

  • Land
  • 2.4 Acres
  • $9,792 per Acre

  Lot 7 Daybreak Blvd, Murphy, NC 28906

  2.4 Acres – Murphy, NC | Mountain Views | Owner Financing Available Private 2.4-acre wooded lot in a quiet mountain community near Murphy, NC. Features mature trees, natural privacy, and a usable area that may be suitable for a future homesite or recreational use (buyer to verify). Road access available. Ideal for a cabin, weekend retreat, or RV-style getaway. Located minutes from downtown Murphy

  Ralph Harvey LISTWITHFREEDOM.COM

  Lot 7 Daybreak Blvd, Murphy, NC 28906
• 

  

  /103

  $329,800

  • 2 Beds
  • 2 Baths
  • 1,900 Sq Ft

  149 Sandy Ln, Murphy, NC 28906

  Welcome home to easy mountain living with room to spread out! This well-maintained 1,900+/- sqft manufactured home on a permanent foundation offers the perfect blend of comfort, convenience, and functionality all situated on 2.08+/- unrestricted acres just 10 minutes from downtown Murphy. Featuring 2 bedrooms plus an additional bonus room ideal for a home office, guest room, or potential 3rd

  Poltrock Team Department Of Veterans Affairs

  149 Sandy Ln, Murphy, NC 28906
• 

  

  /39

  $360,000

  New Construction

  • 3 Beds
  • 2 Baths

  5 Feather Fork Trail, Murphy, NC 28906

  This beautiful three-bedroom, two-bath home, set on over an acre of wooded land, is a true dream retreat. Board-and-batten wood siding paired with a durable metal roof creates a timeless exterior that blends seamlessly with the natural surroundings. Step inside to a warm and inviting Great Room, where rich wood floors span the main level and a soaring vaulted tongue-and-groove ceiling adds

  Deborah Wilson Coldwell Banker High Country

  5 Feather Fork Trail, Murphy, NC 28906
• 

  /2

  $10,000

  • Land
  • 34,848 Sq Ft
  • $12,500 per Acre

  Lot 27 Joe Brown Hwy, Murphy, NC 28906

  Just minutes from town and minutes from the lake, this unrestricted vacant lot is waiting for you, come make it yours today.

  Blake Dockery REMAX Town & Country - Murphy

  Lot 27 Joe Brown Hwy, Murphy, NC 28906
• 

  

  /7

  $18,500

  • Land
  • 1.02 Acres
  • $18,137 per Acre

  TBD Atoah Loop, Murphy, NC 28906

  Nestled on 1.02 acres of pristine land, this beautiful property offers a rare opportunity to embrace the serenity and peace of nature's splendor. Surrounded by lush, gently wooded terrain, it provides the perfect backdrop for building your dream home or a secluded mountain retreat. Here, you can immerse yourself in the calming sounds of nature and enjoy breathtaking views that will soothe your

  Poltrock Team Department Of Veterans Affairs

  TBD Atoah Loop, Murphy, NC 28906
• 

  

  /73

  $399,900

  • 2 Beds
  • 2 Baths
  • 1,644 Sq Ft

  3021 Hanging Dog Rd, Murphy, NC 28906

  PRICE REDUCTION, A BRAND NEW ROOF and a NEW RADON MITIGATION SYSTEM was just installed. Beautiful D-Log cabin with impressive timber beams inside. Sits on 3.45 private acres. This 2 bedroom/2 bathroom home has all the charm that you are looking for in a cabin in the woods. There is a spacious sun room that feels like you are sitting in a tree house. Step outside the sun room onto the 3 tier deck

  Debbie Jackson Carolina Mountain Homes

  3021 Hanging Dog Rd, Murphy, NC 28906
• 

  

  /22

  $449,000

  • 3 Beds
  • 2 Baths
  • 1,700 Sq Ft

  39 Horseshoe Branch Ln, Murphy, NC 28906

  Brand new construction on Paradise Mountain! Gorgeous mountain home. Pick your colors and pick the type of flooring, the color of your cabinets, a stain of your wood, and even the of Rock for your fireplace. There's so many beautiful choices. This costume home has a beautiful view, paved roads, all within this private mountain community. Only a few homes left. Just minutes to town. Very scenic,

  Lawrence Weiss Vista Realty

  39 Horseshoe Branch Ln, Murphy, NC 28906
• 

  

  /34

  $252,450

  • 2 Beds
  • 2 Baths
  • 817 Sq Ft

  158 Mountain Stream Rd, Murphy, NC 28906

  Mountain Retreat Ready for Your Next Move! Nestled among the trees and offering the peaceful mountain lifestyle you've been dreaming of, this charming 2-bedroom, 2-bath home is the perfect escape from the everyday. With a full bathroom on each level, a beautiful creek, a cozy outdoor fire pit, and an expansive screened-in deck featuring a room-sized sliding glass door, you'll enjoy the sights and

  Blake Dockery Virtual Realty - Aug Chronicle

  158 Mountain Stream Rd, Murphy, NC 28906
• 

  /2

  $28,000

  • Land
  • 37,897 Sq Ft
  • $32,184 per Acre

  Lot 19 Ivy Log Dr, Murphy, NC 28906

  Get your new home building site for the Holidays! Don't miss out on our exclusive sale on mobile home lots starting at just $35k in the brand new subdivision of Acorn Hollow, located off Ivy Log Rd in the picturesque Hanging Dog Area of Beautiful Murphy NC. Minutes to Downtown Murphy.

  Elizabeth Yeoman EXIT Realty Mtn View Prop.

  Lot 19 Ivy Log Dr, Murphy, NC 28906
• 

  /2

  $28,000

  • Land
  • 36,154 Sq Ft
  • $33,735 per Acre

  Lot 20 Ivy Log Dr, Murphy, NC 28906

  Get your new home building site for the Holidays! Don't miss out on our exclusive sale on mobile home lots starting at just $35k in the brand new subdivision of Acorn Hollow, located off Ivy Log Rd in the picturesque Hanging Dog Area of Beautiful Murphy NC. Minutes to Downtown Murphy.

  Elizabeth Yeoman EXIT Realty Mtn View Prop.

  Lot 20 Ivy Log Dr, Murphy, NC 28906
• 

  

  /20

  $220,000

  • Land
  • 20 Acres
  • $11,000 per Acre

  20 AC Pack Mountain Rd, Murphy, NC 28906

  Discover the ultimate freedom to build your dream mountain getaway on this beautiful 20-acre parcel in Murphy, North Carolina. With absolutely no restrictions, this fully wooded land offers a true blank canvas for your vision, whether you are planning a sprawling custom home, an off-grid cabin, or a private compound. The property boasts a gorgeous canopy of timber, featuring excellent mature

  Casey Hawkins Appalachian Land Company

  20 AC Pack Mountain Rd, Murphy, NC 28906
• 

  

  /68

  $374,800

  $15K PRICE DROP

  • 2 Beds
  • 3 Baths
  • 2,494 Sq Ft

  255 Birchwood Cir, Murphy, NC 28906

  This FULLY FURNISHED two-bedroom, three-bathroom mountain chalet offers a generous floor plan, a finished lower level, and a bonus room, all set on one acre in a quiet, wooded neighborhood with paved roads. A circular gravel driveway provides easy access and ample parking. From the drive, steps lead to a full-length front porch that wraps seamlessly around to an expansive back deck and then to an

  Poltrock Team Department Of Veterans Affairs

  255 Birchwood Cir, Murphy, NC 28906
• 

  

  /5

  $33,999

  $4K PRICE DROP

  • Land
  • 2.3 Acres
  • $14,782 per Acre

  355 Wilderness Creek Way, Murphy, NC 28906

  This vacant lot offers an excellent opportunity to build your future home or make a smart investment. Situated in Hothouse Township, the property features 2.3 acres of wooded terrain. A community well is available, and a septic system is required (per seller). Enjoy a peaceful setting while remaining conveniently located near shopping, dining, schools, and major highways, providing easy access to

  Thomas Larry McCreary, Jr. MRE Brokerage Services LLC

  

  355 Wilderness Creek Way, Murphy, NC 28906

Showing Results 121 - 160, Page 4 of 15