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Waterfront Homes for Sale in Pennsylvania

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  • /60

    $250,000

    • 2 Beds
    • 1 Bath
    • 1,192 Sq Ft

    44 Island Rd, Mount Bethel, PA 18343

    Riverfront retreat with breathtaking views of the Delaware River! Nestled on a quarter-acre lot, this charming 2-bedroom, 1-bath home offers 1,192 square feet of comfortable living space and a rare opportunity to enjoy waterfront living year-round. The heart of the home is the expansive great room, featuring a dramatic wall of windows that captures stunning panoramic river views and fills the

    Valerie Jones Keller Williams Northampton

    44 Island Rd, Mount Bethel, PA 18343
  • /7

    $300,000

    $50K PRICE DROP
    • Land
    • 3.76 Acres
    • $79,787 per Acre

    0 Masthope Plank Rd Unit PM-140893, Lackawaxen, PA 18435

    PRICE IMPROVEMENT LEVEL RIVERFRONT OPPORTUNITY! This is a rare opportunity to build your dream home on a stunning 3.76-acre riverfront lot with NO HOA. Enjoy over 800 feet of length from the road frontage to the back of your very own riverfront providing a private setting. Enjoy the beautiful incredible breathtaking views and water access overlooking the Delaware River. Do you love fishing,

    Katherine Bennett RE/MAX Crossroads

    0 Masthope Plank Rd Unit PM-140893, Lackawaxen, PA 18435
  • /59

    $450,000

    $25K PRICE DROP
    • 6 Beds
    • 1 Bath
    • 4,000 Sq Ft

    190 Snake Rd, Ebensburg, PA 15931

    Welcome to 190 Snake Road in Ebensburg, PA! This 4.9-acre property offers a well-designed home built in 2022, a stable, & a detached two-car garage w/ a kitchen built in 2021, providing plenty of space for living, storage, & hobbies. The main floor of the home includes a large kitchen & dining area, spacious living room, first-floor bedroom w/ double closets, office, pantry, bonus room, & a

    Hunter Ott Howard Hanna Bardell Realty Altoona

    190 Snake Rd, Ebensburg, PA 15931
  • /49

    $535,000

    $90K PRICE DROP
    • 3 Beds
    • 1.5 Baths
    • 4,583 Sq Ft

    320 Carpenters Ln, Pennsdale, PA 17756

    Steeped in 18th Century History with documented Quaker lineage and recognized Underground Railroad ties. Original limestone walls with embedded fossils, wide-plank floors, beamed ceilings, Dutch doors, winder staircases, walk-in fireplace with beehive oven, and oversized rooms rarely found in historic homes. 1797 Springhouse built by John & Elizabeth Carpenter -- one of the last remaining

    Angie Knight Adventure Realty - Muncy

    320 Carpenters Ln, Pennsdale, PA 17756
  • /93

    $849,900

    • Land
    • 149 Acres
    • $5,704 per Acre

    0 Reynoldsdale Rd, New Paris, PA 15554

    Some properties are simply built different. This is one of them. What began six years ago as an overgrown, impenetrable stretch of raw ground has been methodically and masterfully transformed into one of the finest whitetail, bear, and turkey hunting properties in the region and the results speak for themselves. The current owners inherited a blank slate and poured years of vision, sweat, and

    Jack Brown WHITETAIL PROPERTIES REAL ESTATE LLC (PA)

    0 Reynoldsdale Rd, New Paris, PA 15554
  • /38

    $630,000

    • 5 Beds
    • 1.5 Baths
    • 2,812 Sq Ft

    1278 Mary Pratt Rd, Nicholson, PA 18446

    Discover the rare opportunity to own over 93 acres of diverse and usable land in the peaceful countryside of Lenox Township. This classic 3-story farmhouse offers 5 bedrooms, 1.5 bathrooms, and the timeless character of a true Pennsylvania homestead. The property features a remarkable blend of open pasture and wooded acreage, making it ideal for farming, livestock, recreation, or establishing

    Skyla Nealy Wyoming Valley Real Estate

    1278 Mary Pratt Rd, Nicholson, PA 18446
  • /39

    $268,000

    • 3 Beds
    • 1 Bath
    • 1,568 Sq Ft

    2310 Eagle Cove, Auburn, PA 17922

    Your private 3BR/1BA contemporary sanctuary awaits! Tucked away on a secluded lot surrounded by the beauty of nature, this meticulously renovated home offers the ultimate retreat. Step outside to listen to the tranquil sounds of a small stream flowing gently through your property—a perfect backdrop for relaxation. Inside, discover a bright, move-in ready space refreshed with neutral paint tones

    Abby Nelson Keller Williams Platinum Realty - Schuylkill

    2310 Eagle Cove, Auburn, PA 17922
  • /2

    $599,900

    0 Allegheny Blvd, Sugarcreek, PA 16323

    112 Acres located in Venango County situated along the Allegheny River in Sugarcreek Boro. This property is zoned C-1, permitted uses, special exceptions & conditional uses are in supplements. The property is made up of 2 parcels. 107+ Acres are located along the North Side of Allegheny blvd. 5+ Acres are located on the south side of Allegheny River Blvd with Allegheny River Frontage with water

    David Hall ERA JOHNSON REAL ESTATE INC.

    0 Allegheny Blvd, Sugarcreek, PA 16323
  • /48

    $779,000

    Open Sun 1PM - 3PM
    • 4 Beds
    • 2.5 Baths
    • 2,293 Sq Ft

    155 Baylors Rd, Nicholson, PA 18446

    Exceptional Baylors Lake waterfront opportunity featuring approximately 160 feet of shoreline on one of Northeastern Pennsylvania's most desirable non-motorized lakes. Enjoy the best of Pennsylvania lake living with breathtaking views and natural beauty right outside your door.Built in 2010 and meticulously maintained, this 4-bedroom, 2.5-bath home offers approximately 2,500 square feet of

    Darlene Dalessandro Next Door Real Estate LLC

    155 Baylors Rd, Nicholson, PA 18446
  • /3

    $200,000

    0 Salisbury St, Summit Township, PA 15552

    Grab this opportunity for your future oasis! Bordering the Casselman river, this level 14+ acre parcel has potential unmatched! Seller is including 10 sewage taps that have already been paid for. Situated in Summit Twp this ground is unrestricted and holds possibilities such as, campground, residential community, commercial, or just your future home site. Close to Rt 219 and near shopping and

    Wendy Kelly BERKSHIRE HATHAWAY THE PREFERRED REALTY

    0 Salisbury St, Summit Township, PA 15552
  • /50

    $899,900

    • 1 Bed
    • 2 Baths
    • 1,370 Sq Ft

    1000 Grandview Ave Unit 1207, Pittsburgh, PA 15211

    Top-Floor Corner Condo with Iconic Mount Washington Views Perched along Grandview Avenue in the heart of Mount Washington, this exceptional top-floor corner condo captures breathtaking panoramic views of the Pittsburgh skyline from one of the city’s most coveted vantage points. This one-bedroom, two-full-bath residence offers an elevated blend of luxury, innovation, and convenience.

    Michelle Pappan ENGEL & VOLKERS SEWICKLEY

    1000 Grandview Ave Unit 1207, Pittsburgh, PA 15211
  • /23

    $1,250,000

    • Land
    • 11.87 Acres
    • $105,307 per Acre

    Lot 2C Dunn Ln, Ararat Township, PA 18465

    This 11.8-acre lakefront lot offers the perfect blend of privacy and natural beauty. The wooded property boasts breathtaking views of Dunn Lake and Sugarloaf Mountain, with 597 feet of private lake frontage on a stunning glacial lake. The level terrain allows for easy lake access, making it an ideal spot for your dream home where cherished memories can be created. Situated on a gated private lane

    Lauri Pass Pass Realty

    Lot 2C Dunn Ln, Ararat Township, PA 18465
  • /2

    $119,900

    • Land
    • 2.08 Acres
    • $57,644 per Acre

    PARCEL 0003 Island Rd, Lock Haven, PA 17745

    Discover your own riverside retreat on Island Road. This 2-acre property offers a rare combination of river frontage and acreage, with land extending on both sides of the road. Enjoy direct access to the water for fishing, kayaking, canoeing, and countless days spent along the river's edge. The tranquil setting provides the perfect escape from the pace of everyday life while remaining easily

    Dave Winkleman ANCHOR REALTY, LLC

    PARCEL 0003 Island Rd, Lock Haven, PA 17745
  • /35

    $699,000

    • 3 Beds
    • 2 Baths
    • 1,348 Sq Ft

    822 Dogwood Ct, Hawley, PA 18428

    Are you ready to spend your days on the Lake? This Lakefront home in Hemlock Farms has everything you need to enjoy Lakefront life in Hemlock Farms. Flat driveways with plenty of parking space for guests AND a very easy walk to the lake with cleared and level space for playing and relaxing. Let the sunshine in the beautiful windows while enjoying the warmth of the brick fireplace. Take a look

    Patty Magie Davis R. Chant - Lords Valley

    822 Dogwood Ct, Hawley, PA 18428
  • /124

    $1,995,000

    • 4 Beds
    • 4.5 Baths
    • 4,127 Sq Ft

    129 Valleyview Rd, Greentown, PA 18426

    Experience timeless elegance and modern comfort in this exceptional French Country Estate set on 80 private acres. Held by the same family since 1887, this remarkable property offers breathtaking views of rolling fields and forests, along with a level of privacy rarely found today.A dramatic floor-to-ceiling glass entry welcomes you into a light-filled home featuring expansive Kolbe

    Lorraine Collins Davis R. Chant - Lake Wallenpaupack

    129 Valleyview Rd, Greentown, PA 18426
  • /37

    $324,900

    Coming Soon
    • 1 Bed
    • 1.5 Baths
    • 856 Sq Ft

    901 N Penn St Unit F1507, Philadelphia, PA 19123

    Welcome home to Residence F1507, a spacious and highly desirable one-bedroom residence in the prestigious Reef at Waterfront Square. One parking license is included. Located in the newest of Waterfront Square's three towers, the Reef is the only building in the community featuring a four-pipe HVAC system, allowing residents to enjoy both heating and air conditioning year-round. Beautifully

    Naomi Kurzyna Compass RE

    901 N Penn St Unit F1507, Philadelphia, PA 19123
  • /15

    $65,000

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

    316 Bank St, Titusville, PA 16354

    ONLY CASH OR CONVENTIONAL WILL BE CONSIDERED by the SELLER. Here is a GREAT INVESTMENT property for your portfolio. Tenants would like to remain in the home. They are currently paying $750. mo.,all utilities (city services, gas and electric), maintain the land and do snow removal. The floor plan includes Two full baths (one on each level) 3 bedrooms, one on main level, a sit-in kitchen, and

    Judy Cochran Kriner Real Estate LLC

    316 Bank St, Titusville, PA 16354
  • /29

    $1,299,000

    • 2 Beds
    • 1 Bath

    189 Conneaut Lake Rd, Greenville, PA 16125

    This extraordinary property features 99 acres of pristine natural beauty, a stunning 15-acre private lake, and a custom-built log cabin. As you enter the property, the winding driveway meanders through a majestic oak woodland, gradually revealing expansive, sunlit meadows and breathtaking views of the glistening lake. The cabin is a peaceful retreat with rustic charm and modern comfort. A wide,

    Adam Cannon PIATT SOTHEBY'S INTERNATIONAL REALTY

    189 Conneaut Lake Rd, Greenville, PA 16125
  • /12

    $70,000

    $80K PRICE DROP
    • Land
    • 2 Acres
    • $35,000 per Acre

    Lot 1 Neals Run Rd, Saltlick Township, PA 15622

    Have you been looking for a secluded piece of land to build a dream home? The mountain stream of Neal's Run flows through the front portion of these two acres. The land has been perc tested and approved for a pressure-dosed elevated sand mound bed system. Parcels of land like this don't appear on the market very often. Bring your vision and make it your own!

    Michele Meucci AL MEUCCI REAL ESTATE

    Lot 1 Neals Run Rd, Saltlick Township, PA 15622
  • /46

    $999,900

    • 3 Beds
    • 2.5 Baths
    • 3,125 Sq Ft

    70 Heyburn Rd, Chadds Ford, PA 19317

    Simply, the million dollar view! in the heart of Chadds Ford Township, Unionville Chadds Ford School District. One of only 9 homes situated on Karver Lake. Lovingly built by the original owner, have coffee on your new deck (2026) just enjoying sunrise and sunsets, with an elevated view of your lake! A super private lot, bordered by protected farm land, the historical Kuerner Farm, often a subject

    Christine Hallman SCOTT REALTY GROUP

    70 Heyburn Rd, Chadds Ford, PA 19317
  • /3

    $13,000,000

    • Land
    • 24,829 Sq Ft
    • $22,807,018 per Acre

    417 423 N Chris Columbus Blvd, Philadelphia, PA 19123

    2 Acres on Waterfront In Prime Locationfor Development By-Right Development PotentialPier25 is a by-right development site permitting a broad range of uses, including multifamily, for-sale residential, retail, office, and hotel. A recent highest-and-best-use analysis identifies multifamily residential with supporting commercial uses as the optimal development strategy. The property has

    David Cohen Compass RE

    417 423 N Chris Columbus Blvd, Philadelphia, PA 19123
  • /5

    $275,000

    • Land
    • 2.07 Acres
    • $132,850 per Acre

    13 & 14 Aleeda Blvd, Bear Creek Township, PA 18702

    Build your dream home on this stunning 2.07-acre lot in beautiful Lake Aleeda, nestled in the scenic mountains of Bear Creek, PA. Surrounded by nature and breathtaking lake views, this property offers the perfect blend of privacy, tranquility, and upscale lake living. Enjoy peaceful mornings, abundant wildlife, and year-round outdoor recreation including kayaking, fishing, hiking, and more.

    Jason Giomboni Team eXp Realty- Scranton/Wilkes-Barre

    13 & 14 Aleeda Blvd, Bear Creek Township, PA 18702
  • /3

    $325,000

    • Land
    • 55 Acres
    • $5,909 per Acre

    0 Shadigee Creek Rd Unit PWBPW253079, Starrucca, PA 18462

    Escape the noise of the city and discover what freedom really is on this absolutely beautiful 55-acre property that also includes an additional 11-acre lot for a total of 66 acres. Additional 11-acre parcel is included in sale. Parcel ID: 23-0-0131-0016.A002

    Michael Smith Keller Williams RE Hawley

    0 Shadigee Creek Rd Unit PWBPW253079, Starrucca, PA 18462
  • /10

    $410,000

    • Land
    • 21,780 Sq Ft
    • $820,000 per Acre

    1482 Bearcat Cove, Auburn, PA 17922

    Think forward into your future build. Situated on a generous half-acre lot along the main section of Lake Wynonah, this rare parcel offers an unbeatable combination of scenic views, desirable positioning, and recreational potential. With southern exposure and stunning westerly sunset views, your future home will enjoy light and beauty all day long. Nestled at the end of a peaceful cul-de-sac, the

    Abby Nelson Keller Williams Platinum Realty - Schuylkill

    1482 Bearcat Cove, Auburn, PA 17922
  • /17

    $150,000

    112 River Rd, East Millsboro, PA 15433

    Discover the untapped potential of this exceptional 4.0-acre riverfront property, offering nearly 200 feet of highly sought-after waterfront. Just 12 minutes from Toll Road 43, this rare offering provides the perfect balance of privacy, accessibility, and natural beauty. Envision your dream retreat—whether it’s a private estate, weekend getaway, or recreational escape. With electricity and water

    Adam Giles PLACE TRUST, INC.

    112 River Rd, East Millsboro, PA 15433
  • /28

    $525,000

    • 5 Beds
    • 2 Baths
    • 2,912 Sq Ft

    144 Blue Gill Ln, New Milford, PA 18834

    First Time Ever Offered for Sale - Spectacular Lakefront Living!Just in time for summer, this exceptional custom-crafted lakefront home is being offered for sale for the very first time. Perfectly positioned on Upper Lake, a desirable lake in the Blue Ridge School District, this one-of-a-kind property showcases some of the most breathtaking panoramic lake views imaginable and provides a front-row

    Christina Cosmello Berkshire Hathaway Home Services Preferred Properties

    144 Blue Gill Ln, New Milford, PA 18834
  • /12

    $729,900

    • Studio
    • 14,778 Sq Ft

    232 S Diamond St, Shamokin, PA 17872

    Attention Investors: This 12-property portfolio is seeking new owners. Properties are situated in Shamokin, Lansford, Lewistown, and Sunbury, with some vacancies. The majority of occupied properties are month-to-month leases, with tenants responsible for utilities, facilitating a smooth transition for new owners. Undervalued rents present substantial potential within this portfolio. The current

    Eugene prentice EXP Realty, LLC

    232 S Diamond St, Shamokin, PA 17872
  • /28

    $25,000

    • Land
    • 33,976 Sq Ft
    • $32,051 per Acre

    0 River Rd Unit PALA2087470, Pequea, PA 17565

    Discover a unique opportunity to own .78 acres along scenic Pequea Creek. This mostly level, partially cleared parcel offers a peaceful setting surrounded by nature, making it an ideal retreat for outdoor enthusiasts and those seeking privacy. Enjoy direct creek frontage and frequent wildlife sightings. Enjoy camping, fishing, tubing all while being conveniently located near the Enola Low Grade

    Emma Gaskins Realty ONE Group Unlimited

    0 River Rd Unit PALA2087470, Pequea, PA 17565
  • /147

    $239,000

    $50K PRICE INCREASE
    • Land
    • 28.32 Acres
    • $8,439 per Acre

    0 Holbrook Rd, Bridgewater Township, PA 18801

    SELLER FINANCING AVAILABLE Discover a truly exceptional opportunity in Montrose, PA—approximately 28± acres of pure Northeastern Pennsylvania beauty, once cherished as a private hunting and fishing camp and now ready for your next great vision. This property is a rare blend of open meadows, mature woods, and a peaceful pond, creating a landscape that feels both secluded and full of possibility.

    Rob Freyer Charis Realty Group

    0 Holbrook Rd, Bridgewater Township, PA 18801
  • /36

    $282,500

    New Construction $1K PRICE DROP
    • 4 Beds
    • 2 Baths
    • 1,684 Sq Ft

    123 Crooked Pine Ln, Scott, LA 70583

    *Receive up to $10,000 in incentives and a FREE Refrigerator on this MOVE IN READY Energy Star Certified home located in The Pines in Scott. This home features the Rosette Farmhouse I floorplan with 4 bedrooms and 2 bathrooms across 1,684 sq. ft. Exterior landscaping includes up to 10 pallets of sod. Inside, a solid beam lintel welcomes you into the dining and living areas, where a coffered,

    Tassie Fonseca Lamplighter Realty, LLC

    123 Crooked Pine Ln, Scott, LA 70583
  • /2

    $899,000

    • Land
    • 40 Acres
    • $22,475 per Acre

    0 Kimberly Cir, Clarks Summit, PA 18411

    Beautiful Lake Front Land in the Abingtons! Preliminary sub-division of 13 lots that were all perc tested. See photos for map

    Jennifer McGinley Next Door Real Estate LLC

    0 Kimberly Cir, Clarks Summit, PA 18411
  • /2

    $37,900

    • Land
    • 25,700 Sq Ft
    • $64,237 per Acre

    Lot #9 Weathervane Dr, Slippery Rock Township, PA 16057

    Paula Burtner HOWARD HANNA REAL ESTATE SERVICES

    Lot #9 Weathervane Dr, Slippery Rock Township, PA 16057
  • /87

    $3,250,000

    $200K PRICE DROP
    • 4 Beds
    • 3.5 Baths
    • 7,144 Sq Ft

    2230 Creek Rd, Glenmoore, PA 19343

    PRICE IMPROVEMENT!! Welcome to Grist Mill Farm- The dream that turned into a reality!! This 7,000 sq ft Masterpiece was built in 2007 and sits on 35 acres of which 25 acres is wooded. The home was built with historic elegance, modern comfort, luxury and function. Starting out w/ a circular driveway, that features a Cast Iron Sugar Kettle fountain w/ water and elec. with the millstone being from

    Denise Frame Howard Hanna Real Estate Services

    2230 Creek Rd, Glenmoore, PA 19343
  • /45

    $425,000

    • 2 Beds
    • 2 Baths
    • 1,096 Sq Ft

    45 Midlake Dr Unit 101G, Lake Harmony, PA 18624

    Lakefront, First-Floor, Turnkey, Beautiful Views!--It Doesn't Get Better Than This! Unbeatable Midlakes location with jaw-dropping lake views--so close you can practically touch the water. Enjoy year-round scenery, including Big Boulder Ski Area lit up all winter long. Prime location in the community! First-floor unit = walk right off of your patio to the lake. Inside features spacious rooms,

    Erin Fleckenstein Weichert Realtors - Bethlehem

    45 Midlake Dr Unit 101G, Lake Harmony, PA 18624
  • /50

    $1,699,000

    • 5 Beds
    • 4 Baths
    • 2,450 Sq Ft

    182 Lennon Rd, Greentown, PA 18426

    Premier Deep-Water Lakefront home on 1/2 acre on Lake Wallenpaupack. 117' Waterfront & Private Dock in Sheltered Cove. Luxury 5-Bed, 4-Bath Lake Wallenpaupack Retreat Property . Experience the pinnacle of lakefront living on Lake Wallenpaupack. Nestled in highly sought-after Hemlock Point/Ironwood Cove. This exceptional waterfront home sits on a prime half-acre lot. Enjoy rare peace of mind and

    Charlie & Lynn Kimler Iron Valley R E Innovate

    182 Lennon Rd, Greentown, PA 18426
  • /50

    $255,000

    $10K PRICE DROP
    • 3 Beds
    • 1 Bath
    • 956 Sq Ft

    39407 Schoppert Dr, Centerville, PA 16404

    Welcome to 39407 Schoppert Dr, Centerville, PA – Escape the everyday at this charming 950 sq ft camp/seasonal getaway nestled along beautiful Oil Creek. This 3-bedroom, 1-bath home sits just steps from the water and offers approximately 9 acres with an impressive 1,400 feet of creek frontage. Set back off the roadway on its own private drive, the property provides privacy, seclusion, and a true

    Shane Wills Coldwell Banker Select - Edinboro

    39407 Schoppert Dr, Centerville, PA 16404
  • /20

    $28,000

    $32K PRICE DROP
    • Land
    • 2.51 Acres
    • $11,155 per Acre

    0 Union Ave, Altoona, PA 16602

    Approximately 2.51 acres off Union Ave in logan township! This property features a predominantly wooded landscape with picturesque hills and slopes. The varied topography offers possibilities for creative land use as well as having historical connection to The Baker Mansion Estate!

    Chelsey Stayer Perry Wellington Realty, LLC

    0 Union Ave, Altoona, PA 16602
  • /100

    $635,000

    • 3 Beds
    • 2.5 Baths
    • 2,169 Sq Ft

    2257 Ridge Rd, Hooversville, PA 15936

    2257 Ridge Road - Hooversville, PA 15936 Nestled in the scenic countryside of Somerset County, this beautifully restored farmhouse offers the perfect blend of rural charm, functional agricultural infrastructure, recreational opportunity, and income-producing potential. Surrounded by rolling pastures and picturesque views, this exceptional property is ready for its next owner to enjoy everything

    Logan Dominick Mossy Oak Properties Pennsylvania Land Professionals, LLC

    2257 Ridge Rd, Hooversville, PA 15936
  • /124

    $1,800,000

    • 6 Beds
    • 5.5 Baths
    • 6,006 Sq Ft

    917 Lower Cherry Valley Rd, Stroudsburg, PA 18360

    60 Acre Stream front Private Estate in Cherry Valley. This exquisite property offers Multiple Dwellings has incredible views of the Appalachian Mountains extending past Cherry Creek. The existing improvements on the property include the following: a Charming 3 Bedroom/3 Bath Single Family Home with Slate Roof, a 3-story 3 Bedroom/2 Bath Carriage House Constructed atop Original 1832 Restored

    Mike O'Donnell MORE Modern Real Estate LLC

    917 Lower Cherry Valley Rd, Stroudsburg, PA 18360
  • /50

    $1,080,000

    $120K PRICE DROP
    • 3 Beds
    • 3 Baths
    • 3,357 Sq Ft

    4382 River Rd, Equinunk, PA 18417

    MODERN RIVERFRONT CHALET ON 22+ ACRES ALONG PENNSYLVANIA'S ''RIVER OF THE YEAR''!Experience a setting like no other! This stunning Beaver Mountain home sits high above the Wild & Scenic Upper Delaware River on 22.65 acres, boasting over 1,100 feet of pristine, private river frontage. Recently honored as Pennsylvania's River of the Year, the Delaware offers unmatched beauty, recreation, and

    Bill O'Neill RE/MAX WAYNE

    4382 River Rd, Equinunk, PA 18417

Showing Results 481 - 520, Page 13 of 18

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