Saginaw County MI Homes for Sale

• 

  

  

  /65

  $475,000

  $20K PRICE DROP

  • 3 Beds
  • 2.5 Baths
  • 1,663 Sq Ft

  9521 Gera Rd, Birch Run, MI 48415

  Nestled on 3 peaceful acres just minutes from Frankenmuth, Birch Run, and I-75, this well-maintained 3-bedroom, 2.5-bath home offers the perfect blend of comfort, convenience, and country living. Built in 2005, the property features an attached 2-car garage plus an additional detached 2-car garage, both connected by a cement driveway. The attached garage includes a floored attic space, and the

  Ammie Burkowski Remax Prime Properties

  

  9521 Gera Rd, Birch Run, MI 48415
• 

  

  

  /76

  $899,000

  Open Sun 2PM - 4PM $102K PRICE DROP

  • 4 Beds
  • 3.5 Baths
  • 5,788 Sq Ft

  5590 Pine Gate Dr, Saginaw, MI 48603

  Welcome to this stunning custom-built all-brick home offering over 5,700 square feet of exceptional living space in Saginaw Township's desirable Pine Gate subdivision. Built in 2002 and situated on a spacious lot, this home features 3-4 bedrooms, 3 full bathrooms, and 1 half bath. Rich oak flooring flows throughout, while the impressive living room showcases soaring ceilings, transom windows, a

  Mark Greskowiak Century 21 Signature Realty

  

  5590 Pine Gate Dr, Saginaw, MI 48603
• 

  

  

  /54

  $124,900

  $24K PRICE DROP

  • 7 Beds
  • 3 Baths
  • 4,100 Sq Ft

  519 Millard St, Saginaw, MI 48607

  Full of history and timeless charm, the Dr. Freeman House is a stunning Victorian masterpiece located in the beautiful Cathedral District of Saginaw. Built in 1884, this impressive 4,100 square foot home offers 7 bedrooms, 3 bathrooms, and 3 fireplaces, hardwood floors, blending classic elegance with modern updates. Rich in character, the home showcases many original handcrafted details,

  Joe Karpuk RE/MAX New Image

  

  519 Millard St, Saginaw, MI 48607
• 

  

  

  /46

  $379,900

  $50K PRICE DROP

  • 4 Beds
  • 4 Baths
  • 3,710 Sq Ft

  5320 Nottingham Dr N, Saginaw, MI 48603

  Welcome to 5320 Nottingham Dr N, where over 4400 sq. ft. of thoughtfully designed living space invites you to embrace a lifestyle of comfort and possibility. Spread across three generous floors, this four-bedroom, four-bathroom home offers space and versatility. The main level captivates immediately, anchored by a dramatic floor-to-ceiling stone fireplace with arched glass doors and rich wood

  Dona Czapp Valley Real Estate

  

  5320 Nottingham Dr N, Saginaw, MI 48603
• 

  

  

  /49

  $673,900

  • 2 Beds
  • 2.5 Baths
  • 3,077 Sq Ft

  4169 Village Green, Freeland, MI 48623

  Welcome to 4169 Village Green in The Greens at Apple Mountain! This beautifully customized, very energy-efficient Cobblestone-built home offers thoughtfully designed main-floor living with accessibility in mind. Wide doorways, spacious rooms, an accessible primary suite and walk-in closet, and barrier-free shower areas allow comfortable movement throughout the home. The open-concept main level

  Jeffrey Thompson Thompson State Wide Real Estate

  4169 Village Green, Freeland, MI 48623
• 

  

  /28

  $350

  • Land
  • 9,583 Sq Ft
  • $1,591 per Acre

  1920 Janes Ave, Saginaw, MI 48601

  Address: 1920 Janes Ave. Saginaw, MI 48601Parcel No. 0-60-0-02-8000-000Address: 309 14th St. Saginaw, MIParcel No. 0-60-0-02-9000-000County: SaginawGreat opportunity to own Two Vacant Residential Lots in Saginaw, MI! These properties—1920 Janes Ave and 309 14th Street —are located side-by-side, offering flexibility for investors, builders, or

  Kenny Tumlin Kalil Enterprise Llc

  1920 Janes Ave, Saginaw, MI 48601
• 

  

  /12

  $6,000

  • Land
  • 14,810 Sq Ft
  • $17,647 per Acre

  2019 Tuscola St, Saginaw, MI 48601

  Strategic infill site with immediate I-675 access. Well-maintained, level parcel near Saginaw Arts and Sciences Academy. Parcel ID: 212120-00000

  Rodney Harris

  2019 Tuscola St, Saginaw, MI 48601
• 

  

  /26

  $8,500

  • Land
  • 26,136 Sq Ft
  • $14,167 per Acre

  211 N 7th St, Saginaw, MI 48607

  4 ADJACENT LOTS · 0.60 ACRES · ONE OWNER211, 217, 221 & 225 N 7th Street, Saginaw, MI 48607 THE SANTOS CLUSTER — MORE LAND, ONE SELLERAll four parcels are owned by us and sold together as one assembled package: one seller, one contract, one closing. That means no chasing down multiple owners, no piecing together a title from four separate deals, and no surprises. Combine the four

  Pedro Santos Santos Solutions Management, LLC

  211 N 7th St, Saginaw, MI 48607
• 

  

  /35

  $5,995

  $5K PRICE INCREASE

  • Land
  • 13,068 Sq Ft
  • $19,983 per Acre

  1511 Carroll St, Saginaw, MI 48601

  SUMMER CLOSEOUT SALE – 3 LOT BUNDLE IN SAGINAW, MI – ONLY $5,995 CASH Investor Special | Build Opportunity | Affordable Michigan LandAddresses:* 1511 Carroll Street* 1513 Carroll Street* 1517 Carroll Street* Saginaw, MichiganDiscount Price: $5,995 CASH for all three lotsProperty Highlights:*Three adjacent lots sold as one package*

  Robyn Morris Sandlewood Enterprises LLC

  1511 Carroll St, Saginaw, MI 48601
• 

  

  /16

  $6,500

  • Land
  • 13,068 Sq Ft
  • $21,667 per Acre

  2712 Robinwood Ave, Saginaw, MI 48601

  Build your vision with this unique opportunity to own two side-by-side residential lots in the City of Saginaw!Whether you're planning a custom home, looking for additional yard space, or seeking an affordable investment, these adjoining parcels provide flexibility that's hard to find.Property Addresses2706 Robinwood Avenue2712 Robinwood AvenueLot Size0.30 Acres

  Marie Hamilton

  2712 Robinwood Ave, Saginaw, MI 48601
• 

  

  /34

  $199,000

  • Land
  • 20 Acres
  • $9,950 per Acre

  0 Sloan Unit 28059930, Burt, MI 48417

  Properties in the legendary Shiawassee National Wildlife Refuge neighborhood are becoming increasingly difficult to find, especially those offering the perfect balance of productive farmland, mature timber, marketable trees, exceptional hunting, and an outstanding building site. Whether you're looking to build your forever home, establish a private hunting retreat, generate farm income, or invest

  William Buckingham Whitetail Properties Real Estate

  0 Sloan Unit 28059930, Burt, MI 48417
• 

  

  /11

  $5,000

  • Land
  • 7,840 Sq Ft
  • $27,778 per Acre

  1524 Ward St, Saginaw, MI 48601

  Discover the opportunity at 1524 Ward St. in Saginaw, Michigan — a flat, buildable lot with all city utilities already connected and flexible Mixed-Use 1 zoning that opens the door to a variety of development possibilities. Whether you're a first-time land buyer, investor, or builder, this lot offers an affordable entry point with real potential. Single family, duplex, and multi-family dwellings

  Easy LLC Easy Keys Properties, LLC

  1524 Ward St, Saginaw, MI 48601
• 

  

  /14

  $300

  • Land
  • 10,890 Sq Ft
  • $1,200 per Acre

  618 N 7th St, Saginaw, MI 48601

  CASH PRICE: $3800FINANCING: $300 down payment, $325/mo for 12 monthsCome Invest in Saginaw! Vacant Land Available For Only $3800.Address: 618 N 7th Street Saginaw, MI 48601Parcel ID: 01-0673-00000Lot Type: Vacant Residential Lot618 N 7th Street is the perfect property to build for residential, commercial or institutional purposes. Zoned for single family homes and

  Nick Swain Acquistion Chief

  618 N 7th St, Saginaw, MI 48601
• 

  

  /34

  $10,000

  $5K PRICE INCREASE

  • Land
  • 6,098 Sq Ft
  • $71,429 per Acre

  1013 Roosevelt Austin Ave, Saginaw, MI 48601

  Located in a fast-growing area near downtown Saginaw, this property offers easy access to some of the citys key destinations. It is just minutes from the Saginaw River and the Dow Event Center, home of the upcoming Michigan Arsenal Arena Football season. The neighborhood is also surrounded by educational institutions, while MyMichigan Medical Center is only a five-minute drive away, adding even

  J MARIE JBYRDMGMT, LLC

  1013 Roosevelt Austin Ave, Saginaw, MI 48601
• 

  

  /23

  $2,000

  $6K PRICE DROP

  • Land
  • 19,602 Sq Ft
  • $4,444 per Acre

  1918 Burt St Unit 3202 Prescott Ave 27, Saginaw, MI 48601

  Own three separately platted lots totaling approximately 0.45 acres with a mix of residential and industrial zoning. This portfolio includes two residential infill lots ideal for future single-family or duplex development (subject to city approval) and one industrial-zoned lot offering potential for business or industrial uses.The residential parcels have city water and sewer available at the

  Hermia Bernard CassRon Forever Homes LLC

  1918 Burt St Unit 3202 Prescott Ave 27, Saginaw, MI 48601
• 

  

  /6

  $5,000

  • Land
  • 5,662 Sq Ft
  • $38,462 per Acre

  1418 Bagley St, Saginaw, MI 48601

  1418 Bagley St., Saginaw, MI 48601BUILD YOUR VISION. OWN THE LAND. CREATE YOUR LEGACY.Take advantage of the opportunity to own approximately 6,005 sq. ft. of residential land in an established Saginaw community. Whether you’re looking for a potential future homesite, an affordable addition to your real-estate portfolio, or land to purchase and hold, 1418 Bagley St. deserves a

  Samara Fant SaMel Legacy Group LLC

  1418 Bagley St, Saginaw, MI 48601
• 

  

  /20

  $2,800

  $1K PRICE DROP

  • Land
  • 6,534 Sq Ft
  • $18,667 per Acre

  1811 Janes Ave, Saginaw, MI 48601

  You don’t need perfect credit.You don’t need a large upfront investment.Secure this lot today and get positioned in a market with strong upside.Property Address1811 Janes Avenue, Saginaw, MI 48601Lot Size0.15 Acres (approximately 6,534 sq ft)ZoningResidentialProperty HighlightsBuildable residential lotLocated in an established

  Nicole Taliafero

  1811 Janes Ave, Saginaw, MI 48601
• 

  

  /50

  $349,000

  • 3 Beds
  • 2 Baths
  • 1,042 Sq Ft

  2095 Brettrager Dr, Saginaw, MI 48601

  Situated on more than 21+ acres in Saginaw County, Michigan, this country County home offers an excellent combination of comfortable living, multiple barns and outbuildings, paved-road access, and outstanding recreational opportunities. At the center of the property is a 1,042-square-foot home featuring three bedrooms and two bathrooms, providing a practical setup for a full-time residence,

  Bill Buckingham Whitetail Properties Real Estate, LLC

  2095 Brettrager Dr, Saginaw, MI 48601
• 

  

  /15

  $5,000

  $2K PRICE INCREASE

  • Land
  • 11,325 Sq Ft
  • $19,231 per Acre

  2447 Baldwin St, Saginaw, MI 48601

  0.26 Acre Buildable Lot in Saginaw – $5,000 – Seller Financing available Price:$5,000Seller Financing AvailableNo bank needed fast approvalAddress:2447 Baldwin St, Saginaw, MILot Size:0.26 AcresProperty Type:Vacant Residential LandProperty Highlights:0.26-acre buildable lotResidential zoningUtilities: water, sewer,

  Aline Clarke RCM ELITE

  2447 Baldwin St, Saginaw, MI 48601
• 

  

  /9

  $500

  • Land
  • 12,632 Sq Ft
  • $1,724 per Acre

  2606 Hazelwood Ave, Saginaw, MI 48601

  2606 Hazelwood Ave, Saginaw, MI 48601Parcel Number: 92-10-3-36-1000-000Own your own piece of Michigan land with flexible financing options! This affordable 0.29-acre lot offers a great opportunity for anyone looking to build, invest, or secure land for the future.PRICINGCash Price: $8,000Owner Financing Available (No Credit Check)Option 1• $1,000

  Sameer Akesson UrbaNest LLC

  2606 Hazelwood Ave, Saginaw, MI 48601
• 

  

  /52

  $5,000

  $5K PRICE INCREASE

  • Land
  • 13,068 Sq Ft
  • $16,667 per Acre

  2805 Gallagher St, Saginaw, MI 48601

  Adjacent Residential Lots in Saginaw | Buy One or Build Big Together!Property Addresses: 2805 & 2815 Gallagher St., Saginaw, MI 48601Property Type: Vacant Residential Land (Two Side-by-Side Lots)HOA: None!Purchase Options: Single Lot or Package DealWe make land ownership simple. No banks, no credit checks, and no prepayment penalties.Option A: Cash Deals

  Alim Frazier Vantara Estates

  2805 Gallagher St, Saginaw, MI 48601
• 

  

  /42

  $370

  $5K PRICE DROP

  • Land
  • 3,484 Sq Ft
  • $4,625 per Acre

  1418 Tuscola St, Saginaw, MI 48601

  1418 Tuscola StreetDiscount Cash Price: $4,995 (Cash Sale Preferred)List Price: $11,990 down payment as low as $370Looking for an affordable place to build your next home or investment property? This is your opportunity! Prime LocationApproximately 2 minutes from I-675 for quick access throughout the Great Lakes Bay Region.Just minutes

  Robyn Morris Sandlewood Enterprises LLC

  1418 Tuscola St, Saginaw, MI 48601
• 

  

  /20

  $300

  $3K PRICE DROP

  • Land
  • 6,534 Sq Ft
  • $2,000 per Acre

  2800 Prescott Ave, Saginaw, MI 48601

  Looking for an affordable way to own real estate in Michigan? This Saginaw property offers an opportunity to secure land for your future with flexible owner financing. Whether you’re planning to build a home, add to your investment portfolio, or simply own a piece of property, this lot provides an affordable path to land ownership.Property Details•Address: 2800 Prescott Ave, Saginaw,

  Hermia Bernard CassRon Forever Homes LLC

  2800 Prescott Ave, Saginaw, MI 48601
• 

  

  /6

  $3,000

  $7K PRICE DROP

  • Land
  • 10,454 Sq Ft
  • $12,500 per Acre

  505 S 24th St, Saginaw, MI 48601

  Build your next investment or dream home at 505 S. 24th Street in Saginaw, Michigan—a residential lot located in an established neighborhood with potential. This parcel sits on approximately 10,454 sq ft offering ample space for new construction or a value-add project in an area with affordable housing demand.Surrounded by existing homes and close to schools, shopping, and everyday

  Damar Martin

  505 S 24th St, Saginaw, MI 48601
• 

  

  /13

  $350

  $5K PRICE DROP

  • Land
  • 8,276 Sq Ft
  • $1,842 per Acre

  1516 Ward St, Saginaw, MI 48601

  1516 Ward Street | $4,300 Cash or $350Down / $300 Mo (14 mo) This 0.19-acre parcel sits in an established Saginaw neighborhood with paved street frontage and water, sewer, and electric already run to the street — no guesswork on utility costs before you build.Zoned MU-1, it allows for single-family, multi-family up to four units, or mixed-use development (buyer to verify with

  Latisha Ghrael Ghrael Enterprises LLC

  1516 Ward St, Saginaw, MI 48601
• 

  

  /24

  $2,300

  $4K PRICE DROP

  • Land
  • 14,374 Sq Ft
  • $6,970 per Acre

  902 Randolph St, Saginaw, MI 48601

  902 Randolph Street, Saginaw, Michigan Cash Price: ONLY $2,300Secure your piece of land in the growing city of Saginaw, MI an affordable opportunity for future homeowners, builders, and smart investors looking to create long-term wealth through real estate ownership.Residential Buildable LotApprox. 14,375 Square Feet Great for Future Home Site or Investment

  Nicole Taliafero

  902 Randolph St, Saginaw, MI 48601
• 

  

  /5

  $500

  • Land
  • 7,405 Sq Ft
  • $2,941 per Acre

  1205 Atwater St, Saginaw, MI 48601

  Pricing & Flexible FinancingWe make land ownership easy with affordable cash discounts or low-entry monthly payments.CASH PRICE: Single Lot: $3500 (Cash price)Seller financing:$4000 ($500 down + 291.67/ mo for 12 months)Signed contract agreement required to finance!Address: 1205 Atwater St, Saginaw, MI 48601 Acres: 0.17 Parcel ID: 90-90-0-96-6000-200Lot

  Bianca Hill Dreams to Keyz LLC

  1205 Atwater St, Saginaw, MI 48601
• 

  

  /55

  $7,000

  $7K PRICE INCREASE

  • Land
  • 10,890 Sq Ft
  • $28,000 per Acre

  2515 Hiland St, Saginaw, MI 48601

  0.25-Acres Buildable Residential Lot in Saginaw | Paved Roads & Utilities Available!Property Address: 2515 Hiland St., Saginaw, MI 48601Size: 0.25 Acres (Approx. 10,890 Sq. Ft.)Zoning: Residential (No HOA!)Purchase Options: Choose Your PathWe make land ownership simple. No banks, no credit checks, and no prepayment penalties.Option 1: Cash

  Alim Frazier Vantara Estates

  2515 Hiland St, Saginaw, MI 48601
• 

  

  /30

  $366,000

  • 2 Beds
  • 1 Bath
  • 1,119 Sq Ft

  2900 S Miller Rd, Saginaw, MI 48609

  Welcome to 2900 S Miller Rd. in Saginaw, Michigan a rare opportunity to own approximately 20+/- acres of productive farmland paired with a charming country home in an outstanding location just minutes from town. Offering the perfect balance of rural living, functionality, and investment potential, this property truly delivers the best of both worlds.As you pull into the property, you

  Grant Dunn Premier Farm Realty Group & Auction

  2900 S Miller Rd, Saginaw, MI 48609
• 

  

  /32

  $314,900

  $15K PRICE DROP

  • 3 Beds
  • 2 Baths
  • 1,812 Sq Ft

  380 S Main St, Freeland, MI 48623

  **PRICE DROP!**Timeless charm on Main Street!** Ideally located in the heart of Freeland between Austin's Flowers & Gifts and Applewood Plaza, this unique Liberty home offers endless possibilities. Featuring 3 bedrooms, 2 full baths, a 1.5-car garage with additional parking, and situated on just over a half-acre with frontage on the Tittabawassee River, this property combines character, space,

  Kimberly Kloha eXp Realty

  380 S Main St, Freeland, MI 48623
• 

  

  /37

  $128,000

  $7K PRICE DROP

  • 4 Beds
  • 1 Bath
  • 1,503 Sq Ft

  1642 Brockway St, Saginaw, MI 48602

  Unlock the massive potential of 1642 Brockway Street, a character-filled 1914 home that is ready for its next chapter. If you have been searching for a property without tackling major renovations, this is the one. This home is a fantastic canvas for first-time buyers looking to customize their space or investors seeking a rental project.Inside, the highly functional floor plan features a spacious

  Tina Langley Keller Williams Preferred

  

  1642 Brockway St, Saginaw, MI 48602
• 

  

  /5

  $219,900

  $30K PRICE DROP

  • Land
  • 3.06 Acres
  • $71,863 per Acre

  VL Bay Rd Unit Parcel C, Saginaw, MI 48604

  3.06 acres of commercial land for development

  Dave Wieland RE/MAX New Image Saginaw

  VL Bay Rd Unit Parcel C, Saginaw, MI 48604
• 

  

  /27

  $95,000

  • 2 Beds
  • 1 Bath
  • 1,073 Sq Ft

  1608 N Oakley St, Saginaw, MI 48602

  A charming 2 bedroom, 1-bath Craftsman-style home, lovingly maintained and full of original character. You'll appreciate the warmth of the original woodwork, exposed ceiling beams, beautiful hardwood floors and wood trim. The spacious living room offers plenty of room to relax and features a brick fireplace and new carpet. The generous dining area opens toward the kitchen, creating a comfortable

  Ruthy Moura Century 21 Signature Realty

  

  1608 N Oakley St, Saginaw, MI 48602
• 

  

  /25

  $69,900

  • 4 Beds
  • 2 Baths
  • 1,727 Sq Ft

  1557 Maine St, Saginaw, MI 48602

  This two-story, two-unit property offers plenty of potential and a great opportunity for an investor or owner-occupant looking for an additional source of rental income. Each unit features 2 bedrooms, 1 full bathroom, a kitchen, and living room, with separate private entrances for added privacy. The property also includes a sunporch and a 2-car detached garage for additional parking and storage.

  Abby Enszer Berkshire Hathaway HomeServices Michigan Real Estate

  1557 Maine St, Saginaw, MI 48602
• 

  

  /30

  $254,900

  $5K PRICE DROP

  • 4 Beds
  • 2 Baths
  • 1,848 Sq Ft

  4060 Diceglie Ct, Saginaw, MI 48604

  Charming Kochville Township Ranch: Turnkey Comfort on a Freshly Paved Cul-de-Sac! Welcome home to the perfect blend of peaceful country living and convenience of town moments away. Nestled on a quiet, dead-end culdesac in highly desirable Kochville Township, this lovely 4-bedroom, 2-bathroom ranch offers the ultimate peace of mind with an incredible list of premium updates. Step inside to an

  Ashley Baynham Berkshire Hathaway HomeServices

  

  4060 Diceglie Ct, Saginaw, MI 48604
• 

  /2

  $10,000

  • Land
  • 8,276 Sq Ft
  • $52,632 per Acre

  645 S 4th Ave, Saginaw, MI 48601

  Vacant residential lot for sale in central Saginaw. This 0.19-acre parcel (approximately 66 ft of frontage by 126 ft deep) sits in the established Heavenrich neighborhood, zoned R-2 for single- or two-family residential use — a flexible opportunity for builders, investors, or neighbors looking to expand. Located in the 48601 zip within the Saginaw City School District, this lot offers easy access

  Paul Burback The Miller Group

  

  645 S 4th Ave, Saginaw, MI 48601
• 

  

  /8

  $99,000

  • 2 Beds
  • 1 Bath
  • 882 Sq Ft

  1717 Ottawa St, Saginaw, MI 48602

  Landlords/Investors, enjoy the guaranteed rental payments with this Section 8 rental property. This 2-bedroom property has undergone many recent updates. Tenant pays $975 directly to the owner. Do Not Disturb tenants! Serious buyers only!

  Vincent Manganello Great Lakes Real Estate Agency LLC

  

  1717 Ottawa St, Saginaw, MI 48602
• 

  

  /14

  $50,000

  • Land
  • 3.15 Acres
  • $15,873 per Acre

  Parcel E W Rolling Hills Dr, Bridgeport Township, MI 48722

  Be a part of the Rolling Hills Development! Professional buildings, mostly medical oriented, already line the streets with opportunities to bring your business to this up and coming area along Dixie Highway, right at the Junction corner. The restriction of this area to be medical based-only development has been removed from Bridgeport Township and they will consider other types of businesses,

  Andrew Keller Knockout Real Estate

  

  Parcel E W Rolling Hills Dr, Bridgeport Township, MI 48722
• 

  

  /52

  $219,900

  $30K PRICE DROP

  • 2 Beds
  • 1 Bath
  • 1,173 Sq Ft

  3814 S Towerline Rd, Bridgeport, MI 48722

  Enjoy the charm of country living in this beautiful log home nestled in a peaceful rural setting. Warm wood interiors and rustic character create a welcoming atmosphere throughout. The home features a large living room with log beams, a spacious bathroom, convenient main-floor laundry, and a large bonus loft that offers endless possibilities as a home office, guest room, recreation area, or

  Kallie Horwath Real Broker, LLC Berkley

  

  3814 S Towerline Rd, Bridgeport, MI 48722
• 

  

  /23

  $81,777

  $8K PRICE DROP

  • 4 Baths
  • 2,633 Sq Ft

  2333 Benjamin St, Saginaw, MI 48602

  An updated Upper/Lower duplex. Both Units update both have original wood floors. Large Rooms in lower unit. 1 bedroom 1 bath lower unit. 2 bedroom 1 bath upper unit. Storage space in the basement for each unit as well as laundry. This property does have tenants we will need to give 24hrs notice to them prior to showing. Also we will need proof of funds prior to scheduling showing as well.

  Arlene Winfield Keller Williams First

  

  2333 Benjamin St, Saginaw, MI 48602

Showing Results 81 - 120, Page 3 of 18