Homes for Sale near Spring Garden Academy

• 

  

  

  /19

  $225,000

  • 3 Beds
  • 1 Bath
  • 1,440 Sq Ft

  248 S Saint Bernard St, Philadelphia, PA 19139

  Property being sold in as-is condition.Seller makes no representations regarding the condition of the property. Buyer is responsible for obtaining the U&O certificate and for all transfer taxes. Sale is limited to cash or hard money buyers only. Buyer is also responsible for the full clean-out of the property.

  Ryan Lockstein Rosedale Real Estate LLC

  248 S Saint Bernard St, Philadelphia, PA 19139
• 

  

  

  /21

  $339,900

  • 2 Beds
  • 1.5 Baths
  • 1,018 Sq Ft

  2548 Kern St, Philadelphia, PA 19125

  This beautifully rehabbed 2-bedroom, 1.5-bath gem blends comfort and character just steps from all the action. Enjoy a spacious living room with a cozy fireplace, a first-floor powder room, and a large backyard perfect for relaxing or entertaining. Upstairs, you'll find two generously sized bedrooms and a full bath with both a stall shower and soaking tub. All this, just minutes from Fishtown’s

  Christopher Somers KW Empower

  2548 Kern St, Philadelphia, PA 19125
• 

  

  

  /31

  $590,000

  • 3 Beds
  • 2 Baths
  • 2,127 Sq Ft

  2103 E Susquehanna Ave, Philadelphia, PA 19125

  Welcome to this beautiful 3 bedroom, 2 bathroom home with a private on car attached garage, perfectly situated in the heart of Fishtown. Step inside to a bright and spacious main level featuring a comfortable living area and a stylish eat-in kitchen complete with stainless steel appliances, granite countertops, and generous cabinetry. Hardwood flooring, soaring ceilings, and oversized windows are

  Jim Onesti KW Empower

  2103 E Susquehanna Ave, Philadelphia, PA 19125
• 

  

  

  /16

  $589,900

  • 2 Beds
  • 2 Baths
  • 1,119 Sq Ft

  224 30 W Rittenhouse Square Unit 1401, Philadelphia, PA 19103

  Spacious, updated two bedroom with a private balcony at The Dorchester on Rittenhouse Square! This home features a large, open great room with hardwood floors, ample space for living and dining, and access to the private north-facing balcony showcasing city views. The fully updated kitchen features white shaker cabinetry, granite countertops, an undermount sink, stainless steel appliances, and a

  Allan Domb Allan Domb Real Estate

  224 30 W Rittenhouse Square Unit 1401, Philadelphia, PA 19103
• 

  

  

  /3

  $35,900

  • Land
  • 0.04 Acre
  • $897,500 per Acre

  4923 Royal St, Philadelphia, PA 19144

  HUGE LOT! ATTENTION Investors and Builders!! Great opportunity in one of the fastest-growing zip codes in Philadelphia! LOCATION LOCATION LOCATION...get in now while you still can. This area has tons of development! The PERFECT sized property is 16 FEET WIDE and 104 FEET DEEP!! This is a can't miss opportunity. Bring your offers fast, this one won't last long!

  Eric Feinberg Keller Williams Realty Group

  4923 Royal St, Philadelphia, PA 19144
• 

  /2

  $35,000

  • Land
  • 0.02 Acre
  • $1,750,000 per Acre

  2084 E Elkhart St, Philadelphia, PA 19134

  CORNER PROPERTY! ATTENTION Investors and Builders!! Great opportunity in one of the fastest-growing zip codes in Philadelphia! LOCATION LOCATION LOCATION...get in now while you still can. This area has tons of development! The PERFECT sized property is 14 FEET WIDE and 62 FEET DEEP!! This is a can't miss opportunity. Bring your offers fast, this one won't last long!

  Eric Feinberg Keller Williams Realty Group

  2084 E Elkhart St, Philadelphia, PA 19134
• 

  

  /3

  $44,900

  • Land
  • 0.04 Acre
  • $1,122,500 per Acre

  3609 Weikel St, Philadelphia, PA 19134

  ATTENTION Investors and Builders!! Great opportunity in one of the fastest-growing zip codes in Philadelphia! LOCATION LOCATION LOCATION...get in now while you still can. This area has tons of development! The PERFECT sized property is 20 FEET WIDE and 77.5 FEET DEEP!! This is a can't miss opportunity. Bring your offers fast, this one won't last long!

  Eric Feinberg Keller Williams Realty Group

  3609 Weikel St, Philadelphia, PA 19134
• 

  

  /19

  $799,999

  • Studio
  • 2,799 Sq Ft

  2722 Master St, Philadelphia, PA 19121

  Calling all owner-occupants in search of 5% down payment acquisitions! 2722 Master is a boutique, newly built ±2800 SF triplex ideally sited on a corner lot right off the park in Brewerytown — one of Philly's most dynamic neighborhoods. The apartment building features three (3) units (2x1, 3x2, 2x1 units) with tremendous natural light and design-driven interiors. This is a high-growth rental

  Ryan McManus Keller Williams Liberty Place

  2722 Master St, Philadelphia, PA 19121
• 

  

  /33

  $559,000

  • 3 Beds
  • 2 Baths
  • 1,324 Sq Ft

  2528 Carpenter St, Philadelphia, PA 19146

  Pack your bags and move right into this stunning Graduate Hospital townhome!Step inside to a spacious living room with gleaming hardwood floors, recessed lighting, custom built-ins, and abundant natural light - offering the perfect canvas to showcase your style. The generous dining area is ideal for hosting, especially with the return of dinner parties.The home is currently being

  Reid Rosenthal BHHS Fox & Roach At the Harper, Rittenhouse Square

  2528 Carpenter St, Philadelphia, PA 19146
• 

  

  /18

  $239,999

  • 3 Beds
  • 1.5 Baths
  • 1,061 Sq Ft

  3097 Memphis St, Philadelphia, PA 19134

  3097 Memphis Street, a stunning three-bedroom, one-and-a-half-bath townhome in the Port Richmond neighborhood! Fully renovated just a year ago, this spacious gem boasts modern central air, an open floor plan perfect and a convenient half bath on the first floor. Upstairs, you'll find three cozy bedrooms and a sleek full bathroom. While outside, a large, private backyard offers endless

  Marc Bennett KW Empower

  3097 Memphis St, Philadelphia, PA 19134
• 

  

  /16

  $209,000 Open Sun 12PM - 2PM

  • 4 Beds
  • 2 Baths
  • 1,998 Sq Ft

  2632 N 17th St, Philadelphia, PA 19132

  Stunning Fully Renovated 4-Bedroom Row Home in North Philadelphia. Discover modern comfort and style at 2632 N 17th St, Philadelphia PA, a beautifully renovated 1,998 sq ft row home in North Philadelphia. This spacious 4-bedroom, 2-full-bath residence, fully updated in 2014, blends contemporary upgrades with classic charm, perfect for families or professionals seeking urban convenience. Step

  Michael Sroka EXP Realty, LLC

  2632 N 17th St, Philadelphia, PA 19132
• 

  

  /15

  $245,000

  • 3 Beds
  • 1 Bath
  • 1,584 Sq Ft

  7816 Fayette St, Philadelphia, PA 19150

  Move-In Ready Row Home with Parking, New Kitchen & Great Storage! Welcome to this beautifully maintained and immaculately clean row home, offering a perfect blend of comfort, style, and functionality. This move-in ready property features gleaming hardwood floors, a brand-new kitchen, a spacious basement, off-street parking, and a charming front yard—ideal for first-time buyers or anyone looking

  Kate Vail Elfant Wissahickon-Rittenhouse Square

  7816 Fayette St, Philadelphia, PA 19150
• 

  

  /24

  $263,900

  • 1 Bed
  • 1 Bath
  • 800 Sq Ft

  825 N 29th St Unit 4I, Philadelphia, PA 19130

  Welcome to the Historic Brewery Condominiums—a unique opportunity to own a one-bedroom unit in one of Fairmount’s most iconic buildings, primed for personal touches. Located at 825 N. 29th Street, this spacious condo is situated in the former Bergdoll Brewery, renowned for its rich history, dramatic architecture, and unbeatable location. Unit 4I features soaring ceilings with original archways

  Dava Costello OCF Realty LLC - Philadelphia

  825 N 29th St Unit 4I, Philadelphia, PA 19130
• 

  

  /17

  $441,000

  • 3 Beds
  • 2.5 Baths
  • 1,354 Sq Ft

  221 E Slocum St, Philadelphia, PA 19119

  Discover the allure of this meticulously renovated detached residence nestled in the heart of West Mount Airy. This 2-story gem, boasting 3 bedrooms and 2.5 baths, unfolds with a private yard, promising the epitome of comfortable living. The home features an inviting open concept, enhanced by 9-foot ceilings adorned with recessed lighting, pristine hardwood flooring, and a striking natural stone

  Russell Dinkins Liberty Bell Real Estate & Property Management

  221 E Slocum St, Philadelphia, PA 19119
• 

  

  /31

  $254,475

  • 4 Beds
  • 3 Baths
  • 2,175 Sq Ft

  1151 W Venango St, Philadelphia, PA 19140

  Fully renovated 4BR, 3BA townhome offering over 2,100 sq ft in the revitalizing Allegheny West section of Philadelphia. Features include solid hardwood floors installed less than 2 years ago, soaring ceilings, a classic turned staircase, and preserved original wood details. The first floor offers formal living and dining rooms, an updated tile kitchen with cherry cabinetry and black appliances, a

  Robert Noble Vylla Home

  1151 W Venango St, Philadelphia, PA 19140
• 

  

  /11

  $210,000 Open House 8/16

  • 2 Beds
  • 1 Bath
  • 756 Sq Ft

  2421 N Leithgow St, Philadelphia, PA 19133

  Welcome to 2421 N Leithgow St, a beautifully renovated home in the heart of Old Kensington. This 2-bedroom, 1-bathroom property has been thoughtfully reimagined from top to bottom with a complete gut renovation—offering you peace of mind and stylish city living.Step inside to a bright and airy open-concept first floor, perfect for entertaining or relaxing. The seamless flow from the

  Ashley Rivera JG Real Estate LLC

  2421 N Leithgow St, Philadelphia, PA 19133
• 

  

  /21

  $274,900

  • 1 Bed
  • 1 Bath
  • 625 Sq Ft

  825 00 N 29th St Unit 4G, Philadelphia, PA 19130

  Welcome to The Brewery Condominiums. Located in the heart of Fairmount ,minutes from the river driveand the Benjamin Franklin Parkway. Our community offers parking, and a new sophisticated inter com system with live feed cameras, Convenient bus lines nearby, easy access to the airport and Broad Street line.FAIRMOUNT has many restaurants and food markets including ALDI and WHOLE

  michael franks Compass RE

  825 00 N 29th St Unit 4G, Philadelphia, PA 19130
• 

  

  /31

  $490,000 Open Sat 11AM - 12PM

  • 4 Beds
  • 3 Baths
  • 2,466 Sq Ft

  1447 N 28th St, Philadelphia, PA 19121

  Welcome to the heart of Brewerytown! Located at 1447 N 28th Street, this spacious 4-bedroom, 3-bath townhome was built in 2017 and offers approximately 2,500 sq ft of modern living space. The open-concept main floor is filled with natural light and features a large kitchen with quartz countertops, high-end appliances, and ample cabinet space. Just off the kitchen, step out to your private

  Jhaelin Castillo Real of Pennsylvania

  1447 N 28th St, Philadelphia, PA 19121
• 

  

  /19

  $79,900

  • 1 Bed
  • 1 Bath
  • 74,340 Sq Ft

  5720 Wissahickon Ave Unit B-18, Philadelphia, PA 19144

  This one-bedroom and 1 bathroom coop unit B-18 is in an excellent location that is well maintained. It sits above Lincoln Drive. Close to Regional train station, Germantown, East Falls, Chestnut Hill, stores, restaurants, Germantown and Chestnut Hill business corridors and more. This coop has its own internal community, which is friendly and engaging and Community room on premises, option to walk

  Linda Rountree Keller Williams Real Estate Tri-County

  5720 Wissahickon Ave Unit B-18, Philadelphia, PA 19144
• 

  

  /30

  $355,000

  • 3 Beds
  • 2 Baths
  • 1,224 Sq Ft

  628 Gerhard St, Philadelphia, PA 19128

  Welcome to 628 Gerhard Street, a two-story brick townhome on a quiet street in the heart of Roxborough. Step inside to a sunlit and welcoming living room featuring a decorative fireplace, ceiling fan, and wood floors with an elegant inlay. The formal dining room is ideal for entertaining and flows seamlessly into the eat-in kitchen, which offers access to the back steps and back area perfect for

  Randy Myer BHHS Fox & Roach-Haverford

  628 Gerhard St, Philadelphia, PA 19128
• 

  

  /13

  $238,000

  • 2 Beds
  • 1.5 Baths
  • 1,000 Sq Ft

  2606 Wilmot St, Philadelphia, PA 19137

  **Welcome to 2606 Wilmot Street – a beautifully updated 2-bedroom, 1.5-bath home nestled in the heart of Bridesburg.This move-in ready property offers the perfect blend of charm and modern convenience. Step inside to discover brand new windows throughout, fresh carpeting, and an updated kitchen that opens to a convenient first-floor half bath. The spacious and private outdoor area is ideal

  Jamie Parson Keller Williams Real Estate-Langhorne

  2606 Wilmot St, Philadelphia, PA 19137
• 

  

  /15

  $269,000

  • 3 Beds
  • 2.5 Baths
  • 1,180 Sq Ft

  4207 Aspen St, Philadelphia, PA 19104

  This fully renovated home features brightly lit recessedceiling lights and spaciousopen concept living anddining areas with premiumlaminate flooring and a beautiful staircase. Everything in this home isbran new including apowerful heating and airconditioning system, aspacious first floor half bathplus a breakfast bar. Themodern kitchen has slow-close

  Halissa Li Realty Mark Associates - KOP

  4207 Aspen St, Philadelphia, PA 19104
• 

  

  /29

  $217,000

  • 1 Bath
  • 650 Sq Ft

  301 Race St Unit 112, Philadelphia, PA 19106

  Experience urban living at its finest in this oversized studio condo at 301 Race St, nestled in the historic Wireworks building. Enter through a charming gated courtyard and into the secure entryway, where you’re welcomed by a modern lobby complete with mailboxes and a package room. Conveniently located on the first floor, this thoughtfully designed space blends modern convenience with industrial

  Rada Rann KW Empower

  301 Race St Unit 112, Philadelphia, PA 19106
• 

  

  /18

  $139,000

  • 3 Beds
  • 1.5 Baths
  • 1,020 Sq Ft

  2534 W Sergeant St, Philadelphia, PA 19132

  Completely renovated row home Ready to rent immediately after closing. Very good shape 3 bedrooms / 1 1/2 bath1020 Sq Ft Lot size 15 x 57Occuppied by tenants Showing by appointment

  Tobias Biddle Quality Real Estate-Broad St

  2534 W Sergeant St, Philadelphia, PA 19132
• 

  

  /35

  $359,875

  • 3 Beds
  • 2 Baths
  • 1,188 Sq Ft

  7919 Michener Ave, Philadelphia, PA 19150

  You surely won't be disappointed with 7919 Michener Ave. in the desirable neighborhood of Mount Airy. This completely remodeled home will check all of your boxes. Three bedrooms and 2 fully updated bathrooms. All new chef's dream kitchen and a great open space for entertaining or just enjoying daily family meals. The finished walkout basement adds additional living space. Convenient garage

  Cecelia Vlahakis Wynn Real Estate LLC

  7919 Michener Ave, Philadelphia, PA 19150
• 

  

  /19

  $215,000

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

  1555 N Alden St, Philadelphia, PA 19131

  Fully renovated end-of-row townhouse in West Philadelphia! This 2 story home features a modern open layout, new flooring, recessed lighting, a sleek kitchen with stainless steel appliances, and quartz countertops. Upstairs offers spacious bedrooms and an updated full bath. Additional upgrades include new windows, HVAC, electrical, and plumbing. Move in ready with a clean basement. Conveniently

  Brayni Ledesma Keller Williams Realty - Atlantic Shore

  1555 N Alden St, Philadelphia, PA 19131
• 

  

  /38

  $259,900

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

  4416 E Howell St, Philadelphia, PA 19135

  This is the one This unique well-kept brick stone front gorgeous home awaits you Located on a quiet clean block home features 3-bedroom 1 bath on the main floor. Lots of closet space Completely finish Basement with 2-bedroom storage room, kitchen and full bathroom Entertaining backyard also a shed for extra storage Entrance wheelchair accessible Home is central to transportation and shopping

  Ingrid Bowes BrokersRealty.com - Stroudsburg

  4416 E Howell St, Philadelphia, PA 19135
• 

  

  /15

  $125,000

  • 3 Beds
  • 1 Bath
  • 1,458 Sq Ft

  2157 N Van Pelt St, Philadelphia, PA 19121

  Investment opportunity for a Buyer purchasing "AS Is Condition" in conveniently located North Central area.Very spacious straight through living room, dining room, kitchen and back yard. three (3) bedroom and bath. Buyer is responsible for ALL Certifications and U&O prior to Closing. Buyer's inspection for Buyer's information ONLY. No repairs made to facilitate financing. Seller makes

  Norma Pierce Coldwell Banker Hearthside Realtors

  2157 N Van Pelt St, Philadelphia, PA 19121
• 

  

  /23

  $239,500

  • Studio
  • 1,590 Sq Ft

  4026 L St, Philadelphia, PA 19124

  This well-maintained duplex is perfect for investors or buyers looking to live in one unit and rent out the other. The property offers two spacious units and separate utilities. The first-floor unit is currently rented at $1,060 per month while the second-floor unit is vacant, renovated, and ready for occupancy. Garage is also vacant and available for new owner to use or rent. Located in a prime

  Dor-Noshe Maymon Realty Mark Associates

  4026 L St, Philadelphia, PA 19124
• 

  

  /10

  $395,000

  • 3 Beds
  • 2.5 Baths
  • 1,426 Sq Ft

  1133 Knorr St, Philadelphia, PA 19111

  The Home Located in Northeast Philadelphia, Well maintained Beautiful home. 3 Beds, 2 full and 1 Half Bath , complete basement with Garage. Call for appointment.24 Hr Notice.

  Jinu Mathew High Lite Realty LLC

  1133 Knorr St, Philadelphia, PA 19111
• 

  /2

  $199,999

  • Land
  • 0.64 Acre
  • $312,498 per Acre

  5301 R Belfield Ave, Philadelphia, PA 19144

  **For Sale: Exceptional Vacant Lot in Germantown, Philadelphia – 28,070 SqftImage illustrates what can be done with variance/approval from local RCO or city of Philadelphia. Buyer is advise to do his/her due diligence on what can or can’t be done. This is a as is where is deal. Discover a remarkable opportunity to create your own private community on this expansive 28,070 sqft vacant lot

  STEVE BURKE JR. Tesla Realty Group, LLC

  5301 R Belfield Ave, Philadelphia, PA 19144
• 

  

  /30

  $624,900

  • 2 Beds
  • 2 Baths
  • 1,322 Sq Ft

  105 S 12th St Unit 402, Philadelphia, PA 19107

  Experience the perfect fusion of timeless character and contemporary luxury in this meticulously upgraded two-bedroom, two-bath condo, located in the vibrant heart of Midtown Village in Center City, Philadelphia. With stunning arched brick ceilings and walls, this sophisticated residence offers an unparalleled urban retreat.The open and spacious floor plan is ideal for effortless

  Erica Masusock Enliven Real Estate, LLC

  105 S 12th St Unit 402, Philadelphia, PA 19107
• 

  

  /19

  $375,000

  • 5 Beds
  • 3 Baths
  • 880 Sq Ft

  43 E Narragansett St, Philadelphia, PA 19144

  If you're looking for new a construction home without the price tag, look no more! Located in an area that qualifies for the $10K Prosperity Grant that's open to all buyers. Experience the epitome of sophistication in this exquisitely renovated 5-bedroom, 3-bathroom single-family residence located in the vibrant heart of East Germantown, Philadelphia. This elegant three-story masterpiece blends

  Charles Crummy Higgins & Welch Real Estate, Inc.

  43 E Narragansett St, Philadelphia, PA 19144
• 

  

  /60

  $6,500,000

  • 5 Beds
  • 7 Baths
  • 6,574 Sq Ft

  901 N Penn St Unit P2401-2, Philadelphia, PA 19123

  Exquisite and once-in-a-lifetime opportunity to own the largest penthouse home at Waterfront Square, Philadelphia's premier gated Waterfront Community. This extraordinary 5-bedroom, 7- bathroom residence has been completely reimagined-stripped to the studs and rebuilt with timeless elegance and craftmanship.Every inch of this home reflects meticulous attention to detail and uncompromising

  Deborah Centofanti KW Empower

  901 N Penn St Unit P2401-2, Philadelphia, PA 19123
• 

  

  /42

  $725,000

  • 2 Beds
  • 2.5 Baths
  • 1,619 Sq Ft

  901 N Penn St Unit P802, Philadelphia, PA 19123

  Experience elevated city living in this stunning 2- bedroom,2-5 bath Waterfront condo located in one of Philadelphia's most desirable neighborhoods, Northern Liberties. Floor -to-ceiling windows frame breathtaking, unobstructed views of the city skyline and the iconic Ben Franklin Bridge, creating a dramatic backdrop for everyday life. The spacious residence features

  Deborah Centofanti KW Empower

  901 N Penn St Unit P802, Philadelphia, PA 19123
• 

  

  /17

  $229,900

  • 3 Beds
  • 1.5 Baths
  • 1,056 Sq Ft

  1330 N Newkirk St, Philadelphia, PA 19121

  1330 N Newkirk Street is a nostalgic Philadelphia home in the heart of vibrant Brewerytown. This well appointed home was renovated throughout in 2019 and features highlights such as being freshly painted, hardwood flooring throughout, and pleasing modern aesthetics home buyers seek today! The main floor features an inviting open concept living and dining room, a half bathroom for convenience and

  Jennifer Thompson RE/MAX One Realty

  1330 N Newkirk St, Philadelphia, PA 19121
• 

  

  /17

  $285,000

  • 3 Beds
  • 1.5 Baths
  • 1,440 Sq Ft

  159 E Mayland St, Philadelphia, PA 19144

  Welcome to this beautifully renovated 3-bedroom, 1.5-bathroom home, offering modern style, functionality, and open-concept living in a sleek and spacious layout. This home features a seamless flow from the kitchen to the living and dining areas—ideal for both entertaining and everyday living.The main level showcases elegant chocolate bamboo flooring, creating a warm, upscale feel. The

  Florence Roche MAXWELL REALTY COMPANY

  159 E Mayland St, Philadelphia, PA 19144
• 

  

  /33

  $319,000

  • 3 Beds
  • 2.5 Baths
  • 1,176 Sq Ft

  4327 Cresson St, Philadelphia, PA 19127

  Welcome to this great home right in the heart of Manayunk! This beautifully maintained 3-bedroom, 2.5-bath residence blends timeless charm with modern convenience—just one block from vibrant Main Street, making it a true pedestrian’s paradise.Inside, you’ll find hardwood floors, freshly steam cleaned carpets, and high ceilings that create a spacious and airy feel. The large kitchen offers

  Cordell Becker Becker Capital, LLC

  4327 Cresson St, Philadelphia, PA 19127
• 

  

  /4

  $260,000

  • 3 Beds
  • 4 Baths
  • 2,040 Sq Ft

  2526 W Sergeant St, Philadelphia, PA 19132

  DO YOU HEAR THAT? IT's OPPORTUNITY KNOCKING! Property is close distance to the Philadelphia Art Museum, Dell Entertainment Center and the Philadelphia Zoo. Weather your growing your family or settling into your first home 2526-2528 Sergeant St. offers the space, style and warmth your looking for. This property is situated on a double lot, and offers incredible space, comfort and functionality,

  Keith Morrison RE/MAX Prime Real Estate

  2526 W Sergeant St, Philadelphia, PA 19132
• 

  

  /35

  $390,000

  • 1 Bed
  • 1 Bath
  • 1,431 Sq Ft

  201 59 N 8th St Unit 202, Philadelphia, PA 19106

  *SHOWINGS START 8/2* Welcome to The MetroClub #202! This massive (1431 square feet) 1 bedroom, 1 bath condo with DESIGNATED GATED 1-CAR PARKING exudes style in the heart of Philadelphia. A convenient hall closet and spacious entry way welcome you to the unit, but the soaring 13ft ceilings and oversized windows are the true show stopper as you enter this sun-drenched property. The espresso wood

  Rachel Shaw Elfant Wissahickon Realtors

  201 59 N 8th St Unit 202, Philadelphia, PA 19106

Showing Results 441 - 480, Page 12 of 18