Nine Mile Falls, WA Homes for Sale under $400,000

• 

  

  

  /22

  $300,000

  • 6 Beds
  • 3 Baths
  • 1,800 Sq Ft

  1117 W Providence Ave, Spokane, WA 99205

  Fully leased duplex in the Garland District offering immediate income. Each 900 sq ft unit features 2 oversized bedrooms, 1 bathroom, in-unit laundry, a full kitchen, and a primary bedroom with double closets. One unit has recent updates including new flooring, paint, A/C, and blinds, while the other includes a newer refrigerator installed in 2024. Property includes an individual carport and

  Luke Mischke Coldwell Banker Tomlinson

  1117 W Providence Ave, Spokane, WA 99205
• 

  

  

  /36

  $374,900

  Open Sun 12PM - 2PM $15K PRICE DROP

  • 2 Beds
  • 1.5 Baths
  • 1,694 Sq Ft

  1032 E 33rd Ave, Spokane, WA 99203

  South Hill bungalow full of charm, updates, and opportunity! Lovingly owned by the same family for the past 36 years, this well-maintained home features a covered front porch, hardwood floors, two main-floor bedrooms, an updated bathroom (2020), and a bright kitchen with breakfast nook. Major updates include electrical, furnace, and central A/C (2018), plus a brand-new gas fireplace insert and

  Jill Klinke Windermere Manito, LLC

  1032 E 33rd Ave, Spokane, WA 99203
• 

  

  

  /19

  $240,000

  $20K PRICE DROP

  • 2 Beds
  • 1 Bath
  • 840 Sq Ft

  1324 E Broad Ave, Spokane, WA 99207

  Convenient Bungalow! This Cute - 2 Bedroom / 1 Bathroom Home Features: Newer Vinyl Windows, Updated Bathroom, Main Floor Utilities with Storage, Vinyl Flooring with some Wood Floors, Baseboard Heaters, New Hot Water Tank (6 months ago) and All Appliances Stay. There is a Private Fenced Backyard with Play Equipment and a New Concrete Patio for BBQing or Relaxing. The 1 Car Garage with a New Metal

  Kelly Hewson Keller Williams Spokane - Main

  1324 E Broad Ave, Spokane, WA 99207
• 

  

  

  /34

  $359,900

  • 3 Beds
  • 1 Bath
  • 1,792 Sq Ft

  4424 N Hawthorne St, Spokane, WA 99205

  Fully renovated and move-in ready, this 3-bedroom, 1-bath rancher blends modern updates with classic charm. Extensive remodels and updates throughout. Features include hardwood floors, updated stainless steel appliances, granite and tile surfaces, a remodeled bathroom, updated HVAC, an 8KW high-capacity solar system, and updated electrical and plumbing. The finished basement offers all-new

  Jessica Side Realty One Group Eclipse

  4424 N Hawthorne St, Spokane, WA 99205
• 

  

  

  /21

  $325,000

  • 2 Beds
  • 2 Baths
  • 1,050 Sq Ft

  864 S Sherman St Unit 876, Spokane, WA 99202

  GREAT INVESTMENT OPPORTUNITY: DUPLEX NEAR HOSPITALS AND PERRY DISTRICT. Start with or add this cash flowing rental property to your portfolio. Both units are 1BR/1BA with 525 sqft (1,050 sqft total). Both in good condition. Almost 100% occupied since Dec 2021. Solid tenants.

  Rich King Keller Williams Spokane - Main

  864 S Sherman St Unit 876, Spokane, WA 99202
• 

  

  /13

  $120,000

  • 3 Beds
  • 2 Baths
  • 1,248 Sq Ft

  2311 W 16th Ave Unit 243, Spokane, WA 99224

  This 3 bedroom/2 bath house has been nicely maintained and had updates throughout the years. It has an open concept floor plan making it great for entertaining and gatherings. The Living room has a wood fireplace giving it that cozy feeling. The kitchen has a snack bar with room for seating. There is a separate dining room with built-in cabinets. The bathrooms both have walk-in showers. The home

  Courtney Butler Cascade MHC

  2311 W 16th Ave Unit 243, Spokane, WA 99224
• 

  

  /8

  $100,000

  • 1 Bed
  • 1 Bath
  • 550 Sq Ft

  1127 W Gordon Ave, Spokane, WA 99205

  Opportunity knocks steps away from the Garland District. This property is ideal for investors, flippers, or developers looking to unlock value in a rapidly evolving area. The existing home offers potential for renovation, rental income, or redevelopment, while the lot itself presents exciting possibilities for future use. Adjacent parcel at 1133 W Gordon is also available, creating a rare chance

  Scott Heyamoto eXp Realty, LLC

  1127 W Gordon Ave, Spokane, WA 99205
• 

  

  /20

  $240,000

  $20K PRICE DROP

  • 2 Beds
  • 1 Bath
  • 968 Sq Ft

  818 E Courtland Ave, Spokane, WA 99207

  This cute 2 bed 1 bath rancher was renovated in 2024 and is ready for you! Don't let the square footage fool you as it is used very well with room for you to call home. Kitchen has had new base cabinets and counter tops and updated appliances. Updated light fixtures throughout w/ ceiling fans in the bedrooms. Central heating/AC. Newer flooring throughout and updated bathroom. Fenced back yard

  Mindy Jo Lyons RE/MAX Inland Empire

  818 E Courtland Ave, Spokane, WA 99207
• 

  

  /46

  $400,000

  $25K PRICE DROP

  • 5 Beds
  • 2.5 Baths
  • 2,086 Sq Ft

  1930 E Marshall Ave, Spokane, WA 99207

  Fully rebuilt Craftsman near Gonzaga University with strong Airbnb and investor potential. All major systems are new, including plumbing, electrical, gas heating, ductwork, lighting, flooring, and walls for efficient, low-maintenance living. This 5-bed, 3-bath home offers a flexible layout for owner-occupants or investors. Main level features a gas fireplace, built-in cabinetry, and an open

  Dave Reynolds Source Real Estate

  1930 E Marshall Ave, Spokane, WA 99207
• 

  

  /33

  $210,000

  • 2 Beds
  • 1.5 Baths

  2121 E Upriver Dr Unit 3, Spokane, WA 99207

  Newly remodeled and move-in ready! This charming 2-bedroom, 1.5-bath home offers 1,040 sq ft of comfortable living space with fresh updates throughout, including brand-new flooring and paint. Enjoy beautiful secondary waterfront living with scenic river views right across the street. The bright kitchen comes fully equipped with a stove, dishwasher, refrigerator, and microwave, while the

  Alex Ganea Engel & Volkers Western Frontier

  2121 E Upriver Dr Unit 3, Spokane, WA 99207
• 

  

  /28

  $365,000

  $20K PRICE DROP

  • 3 Beds
  • 1.5 Baths
  • 2,172 Sq Ft

  5616 N Lincoln St, Spokane, WA 99205

  Welcome to this beautifully updated 3- main floor bedrooms, 2-bath Shadle area home that's truly move-in ready! Thoughtfully renovated from top to bottom, this property features brand-new windows, doors, flooring, fresh paint in and out, smart siding, and fascia- offering both modern style and long-term peace of mind. Inside, you'll find a bright and inviting layout with fresh finishes

  Darren Lawson Windermere City Group

  5616 N Lincoln St, Spokane, WA 99205
• 

  

  /37

  $385,000

  • 3 Beds
  • 1.5 Baths
  • 1,988 Sq Ft

  2903 W Sharp Ave, Spokane, WA 99201

  Beautifully updated North Central Craftsman filled with character, charm, and major system upgrades already completed. This timeless home blends classic architectural details with the peace of mind buyers are looking for, including newer windows (2024), updated fencing, newer roofs on both the home and garage (2022), a spacious replacement deck, and central A/C with updated electrical service.

  Chelsea McFarland Prime Real Estate Group

  2903 W Sharp Ave, Spokane, WA 99201
• 

  

  /25

  $179,000

  • Land
  • 30,927 Sq Ft
  • $252,113 per Acre

  56XX E Eastwood Ave, Spokane Valley, WA 99212

  Excellent Spokane Valley infill opportunity on .71 acres zoned MFR — Multi-Family Residential. This parcel offers development potential for multifamily, duplex, or residential use, subject to City of Spokane Valley approval. MFR zoning may allow a variety of housing types, with final unit count, site layout, and development requirements to be verified by Buyer with the City of Spokane Valley.

  Todd Spencer Coldwell Banker Tomlinson

  56XX E Eastwood Ave, Spokane Valley, WA 99212
• 

  

  /50

  $320,000

  • 3 Beds
  • 1 Bath
  • 1,846 Sq Ft

  947 E Ermina Ave, Spokane, WA 99207

  3 bed, 1 bath home in the Gonzaga District—attention investors! All bedrooms are located upstairs, leaving the main floor open for entertaining. Enjoy a spacious layout featuring a large kitchen with quartz countertops, updated cabinetry, and a separate formal dining room. The backyard offers great space for gatherings and outdoor enjoyment. Property includes a 2-car garage with a planned ADU

  Latrice Williams Vision Properties

  947 E Ermina Ave, Spokane, WA 99207
• 

  

  /25

  $305,000

  $20K PRICE DROP

  • 4 Beds
  • 1.5 Baths

  4811 N Lincoln St, Spokane, WA 99205

  Mild fixer with 4+ bedrooms and 2 baths in downtown Spokane. This classic brick rambler offers original hardwood flooring on the main level, a spacious living room, and a wood-burning fireplace that adds warmth and character. The lower level provides excellent flexibility with a large rec/family room, primary bedroom, bonus room or office, and a full utility room. Outside, enjoy a fully fenced

  Laura Barry Kelly Right Real Estate of Spokane

  4811 N Lincoln St, Spokane, WA 99205
• 

  

  /32

  $319,900

  • 3 Beds
  • 2 Baths
  • 1,919 Sq Ft

  614 E Glass Ave, Spokane, WA 99207

  Welcome to this 1930 brick bungalow with thoughtful modern upgrades, multifunctional living spaces, and exceptional longterm care. This home retains its solid craftsmanship and timeless low maintenance brick exterior. The property features a small, easycare landscape with a sprinkler system and layout that blends original charm with major functional improvements. Upstairs, you'll find 2 bedrooms

  Elizabeth Beard eXp Realty, LLC

  614 E Glass Ave, Spokane, WA 99207
• 

  

  /36

  $340,000

  • 4 Beds
  • 2 Baths
  • 1,592 Sq Ft

  4607 N Gst St, Spokane, WA 99205

  Versatile 4-bed, 2-bath home with serious income potential, in-law setup, or multi-generational living! Two fully self-contained levels — each with its own kitchen, living room, and laundry — offer the ultimate flexibility: live up, rent down, or house the whole family with everyone's privacy intact. The upper and lower units have separate entrances, making this a turnkey house hack or long-term

  Jody Lee REAL Broker LLC

  4607 N Gst St, Spokane, WA 99205
• 

  

  /41

  $325,000

  • 3 Beds
  • 1 Bath
  • 1,768 Sq Ft

  4117 E Frederick Ave, Spokane, WA 99217

  Perfectly positioned in a central location, this charming 3-bedroom rancher backs directly to Minnehaha Park with unbeatable access to the Centennial Trail, bus routes, Esmeralda Golf Course, and the elementary school just blocks away! Step out your back door and straight into the park for endless outdoor fun and convenience. Inside, you’ll find a spacious basement family room with incredible

  Brenda McKinley Windermere Valley

  4117 E Frederick Ave, Spokane, WA 99217
• 

  

  /44

  $365,000

  • 3 Beds
  • 2 Baths
  • 1,546 Sq Ft

  4311 N Wall St, Spokane, WA 99205

  Welcome to this beautifully maintained North Side home with timeless charm and thoughtful updates. The main floor features hardwood floors, a bright and spacious living room, and an inviting eat-in kitchen with custom cabinetry. You’ll also find a generously sized bedroom and a beautifully updated full bath. Downstairs, the fully finished basement offers two additional bedrooms, a large secondary

  Aimee Peters eXp Realty, LLC

  4311 N Wall St, Spokane, WA 99205
• 

  

  /16

  $160,000

  • Land
  • 11,325 Sq Ft
  • $615,385 per Acre

  3616 W 21st Ave, Spokane, WA 99224

  LOTS SOUTH OF GRANDVIEW ON 21ST.Prime build-ready lots available in a new development! Enjoy the flexibility of no HOA, with curbed streets, water and sewer hookups, and power at the property line. Bring your builder and create the home you've always envisioned in this growing community.

  Sharre Anderson Amplify Real Estate Services

  3616 W 21st Ave, Spokane, WA 99224
• 

  

  /5

  $360,000

  • 4 Beds
  • 5 Baths
  • 3,180 Sq Ft

  34 E Glass Ave, Spokane, WA 99207

  Exceptional opportunity to own one of the largest homes in the area! Offering up to 6 bedrooms and 4–5 bathrooms, this spacious daylight two-story provides incredible flexibility for multi-generational living, extended guests, or home office needs. Huge attached garage with alley access adds convenience and functionality. Located in a well-established neighborhood with curbs & sidewalks, just

  Matt Hagwood Kelly Right RE of Spokane LLC

  

  34 E Glass Ave, Spokane, WA 99207
• 

  

  /44

  $335,000

  • 4 Beds
  • 1.5 Baths
  • 2,088 Sq Ft

  604 E Queen Ave, Spokane, WA 99207

  Buyers got cold feet! You can still see this spacious home that sits on a corner lot. 4 bedrooms 2 baths with large family room in basement. Garage and carport. Covered patio for those days to enjoy the outdoors. Planter boxes with storage shed in the back yard. Nice vinyl fencing in the back yard. This can be your new home today!

  Bettina Ricker Best Choice Realty

  604 E Queen Ave, Spokane, WA 99207
• 

  

  /26

  $335,000

  $1K PRICE DROP

  • 4 Beds
  • 2 Baths
  • 1,728 Sq Ft

  4127 E 2nd Ave, Spokane, WA 99202

  Completely updated home has new vinyl siding, maintenance free exterior, new vinyl windows, fresh interior paint throughout, all new flooring, all new kitchen cabinets and quartz countertop, new stainless steel appliances, new bathtubs, toilets and vanity. Finished basement with 2 bedrooms and full baths. The backyard is completely fenced for dogs and has plenty of room for kids to play. The main

  Kevin Saw Kelly Right Real Estate of Spokane

  4127 E 2nd Ave, Spokane, WA 99202
• 

  

  /19

  $399,900

  • Land
  • 10,018 Sq Ft
  • $1,738,696 per Acre

  810 E Plateau Rd, Spokane, WA 99203

  A remarkably rare offering in one of Spokane’s most prestigious South Hill enclaves. Located at 810 E Plateau Rd, this pristine 0.23-acre (10,064 sq ft) parcel presents an unparalleled opportunity to build a brand-new custom home in a deeply established, historic neighborhood. Zoned RSF, this level, tree-lined property sits merely steps from the highly coveted Hutton Elementary School, offering

  William Hoss Evey COBALT BROKERS

  810 E Plateau Rd, Spokane, WA 99203
• 

  

  /26

  $170,000

  Open Sun 11AM - 2PM

  • 2 Beds
  • 1 Bath
  • 836 Sq Ft

  1711 W 7th Ave Unit 106, Spokane, WA 99204

  Substantially updated main level condo. Brand new carpet and paint throughout. Very affordable condo fees. Quality kitchen with granite counters, stainless appliances, ceramic tile floors. Newer vinyl slider opens onto private patio. Newer bath with new ceramic tile tub surround. Carport. Laundry (washer/dryer included) is located inside the unit. Short term rentals, AirBNB etc are not allowed

  Bob Cooke R.H. Cooke & Associates

  1711 W 7th Ave Unit 106, Spokane, WA 99204
• 

  

  /42

  $399,000

  $6K PRICE DROP

  • 4 Beds
  • 3 Baths
  • 3,561 Sq Ft

  927 E Augusta Ave, Spokane, WA 99207

  Step into this character-filled triplex just blocks from Gonzaga University, where classic charm and everyday livability come together. Fresh exterior paint enhances its welcoming curb appeal, while timeless architectural details reflect the home’s original character. The main-floor residence offers a warm, spacious layout ideal for comfortable living, complete with high ceilings, abundant

  Cynthia Upp Coldwell Banker Tomlinson

  927 E Augusta Ave, Spokane, WA 99207
• 

  

  /20

  $290,000

  • 2 Beds
  • 1 Bath
  • 743 Sq Ft

  1224 E Central Ave, Spokane, WA 99208

  Thoughtfully remodeled and designed to make the most of every square foot, this 2-bedroom, 1-bath home offers a rare combination of style and functionality. The open-concept layout centers around a spacious kitchen with a large eat-up peninsula that creates a natural gathering space for meals, conversation, and everyday life while maximizing both workspace and storage. Throughout the home, modern

  Adam Salas REAL Broker LLC

  1224 E Central Ave, Spokane, WA 99208
• 

  

  /34

  $399,999

  Open Sun 2PM - 4PM $10K PRICE DROP

  • 3 Beds
  • 2 Baths
  • 1,482 Sq Ft

  4218 E Fairview Ave, Spokane, WA 99217

  Built in 2021, this beautifully designed 3 bed, 2 bath home offers modern comfort in a prime location just minutes from I-90, SCC, and the new N/S Freeway. Conveniently located near Esmeralda Golf Course, the Spokane River, and the Centennial Trail, this 1,482 sq ft home combines accessibility with outdoor recreation. The open-concept layout features quartz countertops, soft-close cabinetry,

  Jeff Thomas Amplify Real Estate Services

  4218 E Fairview Ave, Spokane, WA 99217
• 

  

  /28

  $299,000

  $11K PRICE DROP

  • 3 Beds
  • 2 Baths
  • 1,732 Sq Ft

  718 E Empire Ave, Spokane, WA 99207

  EXCELLENT value in this nicely updated northside 3 bedroom and 2 bathroom home! Checkout the enclosed front sun porch, perfect for reading or alone time. Newer LVP flooring on the main floor. A coffered ceiling, crown molding and wide trim add the the craftsman charm. The formal dining room adds a gathering space and the white cabinet kitchen has tile countertops and SS appliances. 1 main floor

  Seth Maefsky Keller Williams Realty Coeur d

  718 E Empire Ave, Spokane, WA 99207
• 

  

  /19

  $395,000

  $44K PRICE DROP

  • 3 Beds
  • 2 Baths
  • 2,340 Sq Ft

  708 E Decatur Ave, Spokane, WA 99208

  Charming 1950's 3-bedroom rancher updated in 2024, improvements to both main floor & lower level. Oversized detached 2-car garage accessed via a paved alley with additional concrete parking space. A bright sunroom with glass sliders opens to spacious backyard fully fenced front & back with complete sprinkler system.

  Greg Durheim Windermere Manito, LLC

  708 E Decatur Ave, Spokane, WA 99208
• 

  /2

  $185,000

  $10K PRICE DROP

  • 2 Beds
  • 1 Bath
  • 1,168 Sq Ft

  918 E Olympic Ave, Spokane, WA 99207

  Property to be sold AS-IS. Please DO NOT disturb tenant. Call Brenda Tampien for any questions you may have. Will need 24hr notice to view the home.

  Brenda Tampien eXp Realty 4 Degrees

  918 E Olympic Ave, Spokane, WA 99207
• 

  

  /41

  $365,000

  • 3 Beds
  • 1.5 Baths
  • 2,716 Sq Ft

  2702 W Gardner Ave, Spokane, WA 99201

  Welcome home to this gorgeous, spacious turn-of-the-century home in West Central! Situated on a corner lot, this home features a huge living space and formal dining room with high ceilings and so much original character. All 3 bedrooms are on the second floor and all have their own walk-in closet. Both bathrooms are also spacious and feature a claw foot tub. Washer/dryer included in the sale and

  Jonas Elber RE/MAX of Spokane

  2702 W Gardner Ave, Spokane, WA 99201
• 

  

  /31

  $399,000

  • 3 Beds
  • 2 Baths
  • 2,733 Sq Ft

  1130 W Nora Ave, Spokane, WA 99205

  INVESTOR ALERT! Fantastic opportunity to purchase a great centrally located 4-plex near the popular Monroe District. Fabulous long-term tenants are on leases in two units, and two recently renovated units are vacant and ready to rent. The property features updated vinyl windows, new electrical service (all units are individually metered), newer electric hot water tank and newer wall heaters. The

  Tracy Penna Windermere North

  1130 W Nora Ave, Spokane, WA 99205
• 

  

  /42

  $345,000

  Open Sun 12PM - 2PM

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

  1201 W Garland Ave, Spokane, WA 99205

  Timeless charm meets thoughtful modern updates in this beautifully renovated home located in the heart of the historic Garland District. Just blocks from shopping, restaurants, and the iconic Garland Theater, this property offers the perfect blend of character, comfort, and convenience. Inside, you’ll find gorgeous hardwood floors, a spacious open layout ideal for entertaining, and a stunning

  Seth Maefsky Keller Williams Realty Coeur d

  1201 W Garland Ave, Spokane, WA 99205
• 

  

  /30

  $365,000

  • 3 Beds
  • 1.5 Baths
  • 2,034 Sq Ft

  4008 N Cedar St, Spokane, WA 99205

  Updated and move-in ready just blocks from the heart of the Garland District! This 3-bedroom, 1.5-bathroom home offers the perfect mix of original charm and practical upgrades, including refinished hardwood floors on the main level, a remodeled kitchen and bathroom, vinyl windows and a brand new roof. The main floor features 2 bedrooms and a full bath, while the basement includes an additional

  Emily Silcock eXp Realty, LLC Branch

  4008 N Cedar St, Spokane, WA 99205
• 

  

  /22

  $150,000

  • 1 Bed
  • 1 Bath
  • 1,042 Sq Ft

  2404 W 2nd Ave Unit K, Spokane, WA 99201

  Experience historic charm and modern comfort in this beautifully updated studio condo in Spokane’s desirable Browne’s Addition. Located on the third floor of the iconic Weil House, this immaculate unit has been thoughtfully renovated while preserving its timeless character. Features include beautiful hardwood floors, and a cozy updated kitchen that offers both style and convenience. This

  Beth Anderson John L Scott, Spokane Valley

  2404 W 2nd Ave Unit K, Spokane, WA 99201
• 

  

  /16

  $299,000

  • 3 Beds
  • 3 Baths
  • 1,920 Sq Ft

  3815 W Francis Ave, Spokane, WA 99205

  A nice and welcoming Northwest Shadle rancher with some recent updates. The home is currently improved with 1 above grade bedroom. Although county records do indicate it has 2 legal above grade bedrooms, the prior owner opened up the 2 bedrooms and made it one large suite. It can easily be returned to it's original 2 bedrooms. Updating includes newer stainless steel appliances in the kitchen with

  Breton Van Sloten First Look Real Estate

  3815 W Francis Ave, Spokane, WA 99205
• 

  

  /32

  $340,000

  $10K PRICE DROP

  • 3 Beds
  • 2 Baths
  • 1,350 Sq Ft

  3923 N Hawthorne St, Spokane, WA 99205

  This home is cute as a button, with years of worry free living! You'll find this gem just a short walk to all that the Garland district has to offer. This home has fresh interior & exterior paint, new A/C in 2022, solar panels added 09/2022, roof in 2020, water heater 2021, the sewer line has even been replaced (2022). With beautiful hardwood floors throughout the main floor. Full finished

  Lacie Gimeno Coldwell Banker Tomlinson

  3923 N Hawthorne St, Spokane, WA 99205
• 

  

  /31

  $225,000

  • 2 Beds
  • 1 Bath
  • 880 Sq Ft

  1418 W 6th Ave Unit 104, Spokane, WA 99204

  Don’t miss this fantastic 2-bedroom 1-bath condo in the desirable Terrace View Condominiums. The home features an updated kitchen and bathroom, a spacious primary bedroom with a walk-in closet, and new high-efficiency windows and sliding glass door. Enjoy the convenience of dedicated, secured covered parking and a prime location near hospitals, medical facilities, and downtown Spokane’s dining

  Ross Boatsman R. C. Schwartz & Associates

  1418 W 6th Ave Unit 104, Spokane, WA 99204
• 

  

  /15

  $400,000

  • 3 Beds
  • 1.5 Baths

  627 W Dalton Ave, Spokane, WA 99205

  Welcome to this Charming 1907 Vintage Corbin Park Area Classic! One Family Owned for the Past 40 years! This 1.5 Storey Home features 3 Bedrooms, 2 Bathrooms with an Open Staircase. Enjoy the Old Fashioned Front Sitting Porch & Shade Trees. You'll appreciate the Gas Fireplace, Formal Dining Room, Kitchen Eating Space with just steps down to a Large Family Room (converted from the Original

  Gina McKenzie Realty One Group Eclipse

  627 W Dalton Ave, Spokane, WA 99205

Showing Results 361 - 400, Page 10 of 13