1,159

Homes for Sale near Oliver Elementary School

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  • /48

    $674,960

    New Construction $28K PRICE DROP
    • 3 Beds
    • 2.5 Baths
    • 1,898 Sq Ft

    10571 SE Heritage Rd, Happy Valley, OR 97086

    This impressive 1,898 plan is all about giving you more for your space. It offers one of the most requested floor plan features: a primary bedroom suite on the main level. The suite is complete with a bath and generous walk-in closet that has an additional option to add a washer and dryer for your convenience. No need to haul laundry in this plan! The great room leads into an L-shaped kitchen

    Holden Wiseman SEKISUI HOUSE PNW, INC

    10571 SE Heritage Rd, Happy Valley, OR 97086
  • /20

    $389,900

    New Construction $30K PRICE DROP
    • 3 Beds
    • 2.5 Baths
    • 1,190 Sq Ft

    475 NE 72nd Ave Unit 7, Portland, OR 97213

    Welcome home. I’m a newly built Montavilla condo offering modern design, flexible living, and an accessible path to homeownership across three thoughtfully planned levels. Built by a multi-year Street of Dreams builder and Builder of the Year award winner by the Home Building Association, I pair elevated finishes with abundant natural light and an efficient use of space. Step inside and discover

    Darryl Bodle Keller Williams Realty Portland Premiere

    475 NE 72nd Ave Unit 7, Portland, OR 97213
  • /36

    $130,000

    • 2 Beds
    • 2 Baths
    • 924 Sq Ft

    8750 SE 155th Ave Unit 23B, Happy Valley, OR 97086

    Welcome to quaint Happy Valley Mobile Park! This lovely all-ages community is nestled among the trees, offering a peaceful setting while keeping all of Happy Valley's amenities close at hand. This refreshed two-bedroom, two-bathroom home features a bright, open floor plan filled with natural light. An updated kitchen offers newer countertops and appliances. Two spacious bedrooms are complemented

    John McKay Premiere Property Group, LLC

    8750 SE 155th Ave Unit 23B, Happy Valley, OR 97086
  • /2

    $455,000

    • 3 Beds
    • 2.5 Baths
    • 1,121 Sq Ft

    2763 SE 101st Ave, Portland, OR 97266

    Welcome to this beautifully built new construction home featuring 3 bedrooms, 2.5 bathrooms, and a modern layout designed for comfortable living. Enjoy spacious living areas, stylish finishes, and the peace of mind that comes with owning a brand-new home. Conveniently located near the freeway, shopping, and dining, making everyday commuting and errands a breeze. Plus, take advantage of an

    Georgetown Realty Inc Georgetown Realty Inc.

    2763 SE 101st Ave, Portland, OR 97266
  • /39

    $197,000

    $18K PRICE DROP
    • 1 Bed
    • 1 Bath
    • 574 Sq Ft

    318 NE Roberts Ave Unit 308, Gresham, OR 97030

    **Seller will cover the first 12 months of HOA dues if negotiated into a full-price offer** Buyers may also receive a closing cost credit with use of the seller’s preferred lender. This condo is one of 20+ available in the building — call to learn about lender incentives and which floorplans are still available! This beautifully updated, light and bright corner condo with dual covered balconies,

    Cary Knight John L. Scott Portland Metro

    318 NE Roberts Ave Unit 308, Gresham, OR 97030
  • /13

    $109,000

    $20K PRICE DROP
    • 3 Beds
    • 2 Baths
    • 988 Sq Ft

    16745 SE Division St Unit 163, Portland, OR 97236

    Located in the age-qualified manufactured home community of Portland Mobile Estates, this 2024 Fleetwood home has 3 bedrooms and 2 bathrooms and is approximately 988 sq. ft. This home comes with kitchen appliances, washer/dryer hook-ups, and has a great floor plan with a spacious layout, great location and much more! Portland Mobile Estates offers a friendly atmosphere, community swimming pool,

    Kelsey Campbell Portland Mobile Estates

    16745 SE Division St Unit 163, Portland, OR 97236
  • /38

    $366,000

    $13K PRICE DROP
    • 3 Beds
    • 2.5 Baths
    • 1,423 Sq Ft

    2597 SE 105th Ave Unit 3, Portland, OR 97266

    This lovely townhouse-style condo has it all! Enjoy an open floor plan with original hardwood floors throughout the main level, creating a warm and inviting feel. The fenced, private yard is a wonderful bonus, offering space for BBQs, outdoor relaxing, and added privacy.Upstairs, you’ll find three spacious bedrooms, including a generous primary suite with a walk-in closet and full private

    Lisa Bettendorf Premiere Property Group, LLC

    2597 SE 105th Ave Unit 3, Portland, OR 97266
  • /41

    $649,900

    $550K PRICE DROP
    • 3 Beds
    • 3 Baths
    • 2,628 Sq Ft

    2440 SE Regner Rd, Gresham, OR 97080

    Come and Live in this Beautiful English Style Home with 2628 sqft of Amazing Architectural Design. Large Living Room with a Wood Burning Fireplace and View of the surrounding trees. Formal Dining Room Great for Family Dinners or Parties. Huge Primary Bedroom with 2 Doors could be transformed into 2 Bedrooms. Downstairs has a Laundry Room, Family Room and 3rd Bedroom with access to the Back Patio

    Sharon Alexander RE/MAX Advantage Group

    2440 SE Regner Rd, Gresham, OR 97080
  • /33

    $275,000

    • 3 Beds
    • 1.5 Baths
    • 1,272 Sq Ft

    23850 NE Treehill Dr Unit T3850, Wood Village, OR 97060

    The best of both worlds! Love the idea of a townhouse but want to skip the exterior maintenance? This is the one. Unlike a traditional stacked condo, this residence features a distinct multi-level floor plan that separates living & sleeping spaces, offering the privacy of a single-family home. With all new waterproof vinyl plank flooring & newly refinished harddwoods throughout! A patio space

    Jennifer Chau Portland Digs

    23850 NE Treehill Dr Unit T3850, Wood Village, OR 97060
  • /48

    $509,900

    • 3 Beds
    • 2.5 Baths
    • 1,953 Sq Ft

    3371 SW Redfern Place, Gresham, OR 97080

    Looking for a well-built home in a desirable neighborhood? Tucked into a quiet cul-de-sac near schools and shopping, this home checks several boxes with a fenced yard, a backyard pond with a waterfall, sprinklers in both the front and back yards, a tool shed, and a concrete patio for entertaining. The spacious tri-level home features hardwood floors in the entry, a vaulted living room and formal

    Michelle Smith RE/MAX Equity Group

    3371 SW Redfern Place, Gresham, OR 97080
  • /32

    $499,000

    Open Sun 1PM - 3PM $36K PRICE DROP
    • 4 Beds
    • 2 Baths
    • 1,718 Sq Ft

    3543 SE 64th Ave, Portland, OR 97206

    Move in ready, and motivated to sell! Make your best memories in this fully remodeled modern farmhouse. Enjoy sipping morning coffee on the spacious front porch, and host weekend BBQ's in your fully fenced backyard. Full house remodel in 2019 with SS appliances, all new major mechanicals, and new roof on home and garage in 2026 with 10 year transferrable warranty. Full finished basement with

    Rebecca Wilson MORE Realty

    3543 SE 64th Ave, Portland, OR 97206
  • /27

    $460,000

    Open Sun 2PM - 4PM
    • 3 Beds
    • 1.5 Baths
    • 1,161 Sq Ft

    3431 NE 132nd Ave, Portland, OR 97230

    Darling mid-century ranch on a spacious corner lot in the sought-after Argay Terrace neighborhood! This well-maintained 3-bedroom, 1.5-bath home offers timeless character with gleaming oak hardwood floors, abundant natural light, and a functional single-level layout. The updated kitchen features granite countertops, stainless steel appliances, a gas cooktop, convection wall oven, two pantries,

    Chandler Schur Lovejoy Real Estate

    3431 NE 132nd Ave, Portland, OR 97230
  • /13

    $369,900

    New Construction $20K PRICE DROP
    • 2 Beds
    • 2.5 Baths
    • 980 Sq Ft

    6729 SE Gladstone St, Portland, OR 97206

    Last home left in this beautiful fee simple community built by Street of Dreams builder and Builder of the Year award winner! Don;t miss your chance to be welcomed home by this brand new detached home in popular Foster-Powell! Thoughtfully crafted with quality, efficiency, and long term durability in mind. Two bedrooms and two and a half baths, including a convenient half bath on the main floor.

    Darryl Bodle Keller Williams Realty Portland Premiere

    6729 SE Gladstone St, Portland, OR 97206
  • /3

    $760,000

    $90K PRICE DROP
    • Land
    • 7,405 Sq Ft
    • $4,470,588 per Acre

    0 SE Clay St, Portland, OR 97216

    Ever dream of building your own single family home, developing a cottage cluster? Maybe you’re ready to take on an income generating multi-family project or maybe you’ve got visions of creating your own community, a place for you and all your people. It doesn't get better than this! On the edge of Colonial Heights, blocks to Ladd's, one block south of Hawthorne, just north of Division. Any

    Lee McKnight Cascade Hasson Sotheby's International Realty

    0 SE Clay St, Portland, OR 97216
  • /41

    $689,900

    $10K PRICE DROP
    • 4 Beds
    • 3 Baths
    • 2,657 Sq Ft

    14153 SE Apple Ct, Happy Valley, OR 97086

    Welcome to this beautifully updated home tucked at the end of a quiet cul-de-sac in highly desirable Happy Valley! Enjoy sweeping territorial views—perfect for relaxing evenings or watching seasonal fireworks.This move-in ready home features fresh interior and exterior paint, brand new luxury vinyl plank flooring on the main level, and new carpet upstairs. A light-filled entry with soaring

    Guo Chen MORE Realty

    14153 SE Apple Ct, Happy Valley, OR 97086
  • /3

    Call for Price

    • 8 Beds
    • 3 Baths

    9726 SE Clinton St, Portland, OR 97266

    These homes are offered together as part of a 13-property, 43-unit residential portfolio that is 98% leased, primarily located in Southeast and Northeast Portland, and will be sold via Sealed Bid Auction on June 3, 2026.This offering includes three leased single-family homes situated on an 18,975± sq. ft. corner tax lot at SE 98th and SE Clinton, just east of I-205 near the SE Division Street

    John Rosenthal Realty Marketing / Northwest

    9726 SE Clinton St, Portland, OR 97266
  • /48

    $789,000

    Open Sun 11AM - 1PM
    • 5 Beds
    • 2 Baths
    • 2,480 Sq Ft

    7100 SE Harrison Ct, Portland, OR 97215

    **Seller is requesting offers toBe submitted by Sunday at 6pm** Rare opportunity to own a beautifully updated split-level home adjacent to Mount Tabor Park, with over $500,000 in recent updates. Set at the end of a quiet dead-end street, 2-minute walk from the dog park. **MULTI-GEN LIVING: Designed for flexible, multi-generational living, an ADA-accessible ramp leads to the upper level while a

    Phil Carscallen MORE Realty

    7100 SE Harrison Ct, Portland, OR 97215
  • /23

    $419,995

    New Construction $20K PRICE DROP
    • 3 Beds
    • 2.5 Baths
    • 1,545 Sq Ft

    3830 SW 35th St, Gresham, OR 97080

    The property is located at 3830 SW 35TH STREET GRESHAM OR 97080 priced at 419995, the square foot and stories are 1545, 2.The number of bath is 2, halfbath is 1 there are 3 bedrooms and 1 garages. For more details please, call or email.

    D.R. Horton Builder
    3830 SW 35th St, Gresham, OR 97080
  • /7

    $489,995

    New Construction
    • 3 Beds
    • 2.5 Baths
    • 1,554 Sq Ft

    3637 SW Mawrcrest Ave, Gresham, OR 97080

    Welcome to the Westview at Butler Creek Crossing in Gresham, Oregon. This fabulous floor plan measures at 1,554 square feet with 3 bedrooms plus a tech niche, 2.5 bathrooms, and an attached 2 car-garage. Heading into the home, there is a grand entry way that will lead you into the designated dining room area with a nearby coat closet. As you step further into the home and walk past the door to

    D.R. Horton Builder
    3637 SW Mawrcrest Ave, Gresham, OR 97080
  • /10

    $533,999

    New Construction
    • 3 Beds
    • 2.5 Baths
    • 1,860 Sq Ft

    3640 SW 38th St, Gresham, OR 97080

    Welcome to the Onyx at 3640 SW 38th Street in Piper Ridge! This thoughtfully designed two story home offers an open and inviting layout with a spacious great room that flows seamlessly into the kitchen and dining area. A large kitchen island, walk-in pantry, and covered patio create the perfect setting for everyday living and easy entertaining. Upstairs, the private primary suite features a

    Taylor Morrison Builder
    3640 SW 38th St, Gresham, OR 97080
  • /22

    $329,900

    • 2 Beds
    • 1 Bath
    • 816 Sq Ft

    8024 NE Fremont St, Portland, OR 97213

    Welcome home to this beautifully remodeled 2-bedroom, 1-bath home offering modern updates and an inviting open-concept layout. The brand-new kitchen features new cabinetry, quartz countertops, a stylish tile backsplash, and a clean contemporary design perfect for everyday living and entertaining. The fully remodeled bathroom adds a fresh, modern touch, while thoughtful updates throughout make

    Diep Tran MORE Realty

    8024 NE Fremont St, Portland, OR 97213
  • /2

    $799,000

    • 3 Beds
    • 3 Baths
    • 4,320 Sq Ft

    3037 NE Rocky Butte Rd, Portland, OR 97220

    Fantastic Buy, View Property, with ADU on the Crest of Rocky Butte.

    Fred Mueller Premiere Property Group, LLC

    3037 NE Rocky Butte Rd, Portland, OR 97220
  • /17

    $125,000

    • Land
    • 7,840 Sq Ft
    • $694,444 per Acre

    00 SE Duke St, Portland, OR 97236

    Don't miss this rare opportunity to own a 0.18-acre residential lot in one of the area's most desirable and convenient locations. Approved for a residential home, this ready-to build homesite offers the perfect canvas to bring your vision to life; whether you're building your forever home or your next investment. Nestled in a peaceful, established neighborhood with a beautiful wooded backdrop,

    Eduardo Reyes Keller Williams Realty Portland Premiere

    00 SE Duke St, Portland, OR 97236
  • /27

    $205,000

    • 2 Beds
    • 1 Bath
    • 1,552 Sq Ft

    3317 SE 122nd Ave Unit 14, Portland, OR 97236

    Looking for an investment property: 2-bed, 1-bath condo. The layout is open and flows naturally. In-unit laundry. This location is extremely convenient. Located in the vicinity of the freeway access. In close proximity to the shops. The HOA dues are low. This is a great choice for those who are first-time home buyers or investors. Experience a variety of opportunities with this property by

    Tony Gonzalez Keller Williams PDX Central

    3317 SE 122nd Ave Unit 14, Portland, OR 97236
  • /42

    $325,000

    $6K PRICE INCREASE
    • 3 Beds
    • 2.5 Baths
    • 1,540 Sq Ft

    21795 NE Larkspur Ln, Fairview, OR 97024

    Step into comfort and convenience in this 3-bedroom, 2.5-bath townhouse located in a highly desirable community. This inviting home features a spacious and functional layout with a cozy gas fireplace that creates the perfect atmosphere for relaxing evenings at home. Enjoy peaceful mornings or unwind after a long day on the private back patio, offering a quiet outdoor retreat ideal for

    Maria Elmore Farrell Realty & Property Management, Inc

    21795 NE Larkspur Ln, Fairview, OR 97024
  • /48

    $219,900

    • 2 Beds
    • 1.5 Baths
    • 896 Sq Ft

    11953 SE Holgate Blvd, Portland, OR 97266

    Welcome to a well-maintained community in one of Southeast Portland's convenient neighborhoods! This home offers a fantastic floor plan with comfortable living spaces and a layout that's both functional and inviting. Whether you're a first-time buyer, looking to downsize, or searching for an investment opportunity, you'll appreciate the chance to add your own style and make it truly your own.Step

    Cassandra Skelley PDX Dwellings LLC

    11953 SE Holgate Blvd, Portland, OR 97266
  • /18

    $275,000

    • 3 Beds
    • 2.5 Baths
    • 1,504 Sq Ft

    4930 SE 122nd Ave Unit 7, Portland, OR 97236

    An affordable opportunity to get into ownership! Outstanding price per square foot! Newer carpet. Boasts and open modern floor plan. With three generous sized bedrooms and a convenient upstairs laundry. Perfect investment/rental property. Water, sewer and trash are all included with the HOA fees. Easy access to Tri-met, shopping, and freeway. Seller to do no repairs.

    Nicholas Sackman MORE Realty

    4930 SE 122nd Ave Unit 7, Portland, OR 97236
  • /38

    $575,000

    Open Sun 12PM - 2PM $20K PRICE DROP
    • 3 Beds
    • 1.5 Baths
    • 1,794 Sq Ft

    2237 SE 139th Ave, Portland, OR 97233

    Assumable VA Loan at 4.25% Rare opportunity in Southeast Portland. This beautifully remodeled home sits on a dividable half acre lot, offering the comfort for today and opportunity for tomorrow.The stunning remodeled kitchen features quartz countertops, stainless steel appliances, updated lighting, and modern finishes designed to bring family and friends together. Fresh interior and exterior

    David Brownlee Modern Realty

    2237 SE 139th Ave, Portland, OR 97233
  • /13

    $349,900

    New Construction $10K PRICE DROP
    • 3 Beds
    • 2.5 Baths
    • 970 Sq Ft

    3272 SE 115th Ave, Portland, OR 97266

    Welcome home—I’ve been thoughtfully designed to help you realize the dream of homeownership. Nestled in a peaceful, park-like setting with no HOA, I’m part of a collection of detached cottages built with care and sophistication by a multi-year Street of Dreams builder and Builder of the Year award winner by the Home Building Association. My foundation is strong, my finishes are custom, and my

    Darryl Bodle Keller Williams Realty Portland Premiere

    3272 SE 115th Ave, Portland, OR 97266
  • /30

    $1,180,000

    $50K PRICE DROP
    • 3 Beds
    • 3 Baths

    8550 SE Brooklyn St, Portland, OR 97266

    Modern 3 plex built in 2020. These units are a great option for an owner-occupant. Live in one unit and use the other 2 units as income to offset your monthly payments. Also, this property would work as a multi-generational property. Each unit has 3 bedrooms and 2.5 baths.

    Manli Chen Pete Anderson Realty Assoc, Inc.

    8550 SE Brooklyn St, Portland, OR 97266
  • /8

    $139,900

    New Construction $20K PRICE DROP
    • Studio
    • 1 Bath
    • 384 Sq Ft

    10985 E Burnside St Unit 19, Portland, OR 97216

    FHA FINANCING NOW AVAILABLE with Julia Garriott at Lifetime Home Loans! No money down - 100% financing options available! Don’t miss this chance to stop renting and own a stunning, modern new construction condo from a quality, local builder! This stylish corner unit features elevated designs and finishes, including tall ceilings, contemporary cabinetry, and highly desirable air conditioning.

    Darryl Bodle Keller Williams Realty Portland Premiere

    10985 E Burnside St Unit 19, Portland, OR 97216
  • /48

    $750,000

    • 5 Beds
    • 2.5 Baths
    • 3,228 Sq Ft

    3800 SW Rodlun Rd, Gresham, OR 97080

    Nestled on a beautiful acre lot in Southwest Gresham, this light-filled home offers space, versatility, and endless possibilities. The inviting floor plan is perfect for entertaining, featuring high ceilings in the entry and living room, large bay windows that fill the home with natural light. The kitchen features stainless steel appliances and a cozy breakfast nook. The partially finished

    Julie Loder Premiere Property Group, LLC

    3800 SW Rodlun Rd, Gresham, OR 97080
  • /38

    $359,900

    New Construction $30K PRICE DROP
    • 2 Beds
    • 2.5 Baths
    • 1,014 Sq Ft

    4071 SW Mckinley St Unit 36, Gresham, OR 97080

    THIS HOME QUALIFIES FOR THE WELCOME HOME GRESHAM BUYER DOWNPAYMENT ASSISTANCE PROGRAM.Directions to Home: From SE 190th Ave, turn onto SE Giese Rd.Continue on SE Giese Rd, then turn onto SW Linneman Dr.Turn onto SW 31st Ave, then left onto SW Dunway Ave.Turn left onto SW McKinley St.Homes will be on the right.This beautifully designed home features a thoughtfully landscaped front yard complete

    Jason Shuler John L. Scott Sandy

    4071 SW Mckinley St Unit 36, Gresham, OR 97080
  • /22

    $59,000

    • 2 Beds
    • 1 Bath
    • 684 Sq Ft

    522 SE 199th Ave, Portland, OR 97233

    Lovely home with lots of grass and yard with a great outdoor covered porch. Beautifully maintained home, owner has replaced all the flooring in the home in last 7 years, updated bathroom in the last 2 years, new Milgard windows, new furnace, new insulation in crawl, large central air unit, newer oven, and fridge. Excellent opportunity to own a very clean and meticulous home.

    JoAnne Flood Keller Williams Realty Portland Elite

    522 SE 199th Ave, Portland, OR 97233
  • /37

    $379,900

    New Construction Open Sun 2PM - 4PM
    • 3 Beds
    • 2.5 Baths
    • 1,214 Sq Ft

    8429 NE Hassalo St, Portland, OR 97220

    Exquisite new construction 3 bed/ 2.5 bath townhome in Montavilla. Before you even step foot inside this home you will notice the landscaping, wide path, ring camera and solid, windowed front door - all indications of the attention to detail that has gone into the building of this home. Spacious main floor with kitchen island, stainless steel appliances, quartz countertops, transom sliding door,

    Sara Bettinger Premiere Property Group, LLC

    8429 NE Hassalo St, Portland, OR 97220
  • /11

    $58,000

    $14K PRICE DROP
    • 2 Beds
    • 1 Bath
    • 460 Sq Ft

    21401 NE Sandy Blvd Unit 160, Fairview, OR 97024

    Discover comfortable, low-maintenance living in this beautifully maintained 2015 Fleetwood Park Model. Located in the peaceful Portland Fairview RV Park, this 2-bedroom, 1-bath home offers approximately 460 square feet of efficiently designed space.The interior features vaulted ceilings throughout the living, dining, and kitchen areas, creating an open and airy feel. The kitchen comes fully

    Alice Randall JAM SERVICES LLC

    21401 NE Sandy Blvd Unit 160, Fairview, OR 97024
  • /24

    $685,000

    $64K PRICE DROP
    • 4 Beds
    • 3.5 Baths
    • 3,200 Sq Ft

    1510 NE Village St, Fairview, OR 97024

    This 4 bedroom 3 1/2 bath home has spacious and open living area with a large entrance, cozy fireplace. and ample space to live and entertain. 2 of the bedrooms, including the primary, have their own bathrooms attached. The room in the front of the house can be used for a den, office, or great room. The 3rd bedroom at the top of the stairs is huge and can be used for a media room, play room, or

    Michelle Haage ERA Freeman & Associates

    1510 NE Village St, Fairview, OR 97024
  • /38

    $229,000

    $10K PRICE DROP
    • 2 Beds
    • 1 Bath
    • 889 Sq Ft

    318 NE Roberts Ave Unit 203, Gresham, OR 97030

    **Seller will cover the first 12 months of HOA dues if negotiated into a full-price offer** Buyers may also receive a closing cost credit with use of the seller’s preferred lender. This condo is 1 of 20+ for sale in the building. Call to see lender incentives & which floorplans are still available. This beautifully updated light and bright condo offers the best of city living in the heart of

    Cary Knight John L. Scott Portland Metro

    318 NE Roberts Ave Unit 203, Gresham, OR 97030
  • /31

    $180,000

    $5K PRICE DROP
    • 2 Beds
    • 1 Bath
    • 746 Sq Ft

    273 SE 162nd Ave Unit 310, Portland, OR 97233

    Ask about lender Rate Buydown! This exceptional SE Portland condo in the Rockwood neighborhood offers a rare opportunity for both first-time buyers and savvy investors. With no rental cap in place, this property is a standout choice for those looking to build immediate equity or secure a high-potential addition to their rental portfolio. The layout is designed for easy living and low maintenance,

    John Laney Epique Realty

    273 SE 162nd Ave Unit 310, Portland, OR 97233
  • /45

    $1,175,000

    • Land
    • 33,105 Sq Ft
    • $1,546,053 per Acre

    2075 NE 240th Ave, Wood Village, OR 97060

    Opportunity Zone! General Commercial Zoning. Outstanding opportunity to take advantage of affordable housing subsidies available in Oregon. Prime location with an extraordinary amount of due diligence already completed. Bus stop at lot corner. Possible 61 apartments and 1 office space.

    Eric Squires All Professionals Real Estate

    2075 NE 240th Ave, Wood Village, OR 97060

Showing Results 481 - 520, Page 13 of 18

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