Homes for Sale near Saint Agnes School

• 

  

  

  /6

  $699,900

  • Land
  • 0.32 Acre
  • $2,187,188 per Acre

  98 Mississippi River Blvd N - Lot, Saint Paul, MN 55104

  Once-in-a-lifetime opportunity to build a custom luxury home on Mississippi River Boulevard in the highly desirable Shadow Falls neighborhood of Saint Paul. Situated on the bluff overlooking the Mississippi River, this home will offer breathtaking views! The lot is located on the prestigious Mississippi River Boulevard, one of the most desirable addresses in the city. This is one of six lots in

  Christopher Ames RE/MAX Results

  98 Mississippi River Blvd N - Lot, Saint Paul, MN 55104
• 

  

  

  /29

  $299,900

  • 2 Beds
  • 2.5 Baths
  • 1,559 Sq Ft

  820 Emerald St Unit 110, Saint Paul, MN 55114

  Welcome to the heart of Prospect Park! This spacious 2-bedroom, 3-bathroom condo offers modern comfort and unbeatable convenience near the University of Minnesota and University of St. Thomas. Step inside to fresh paint and brand-new carpet throughout, creating a crisp, move-in-ready feel. The large open kitchen flows seamlessly into the dining and living areas—perfect for entertaining or

  Aaron Christen Keller Williams Realty Integrity Lakes

  820 Emerald St Unit 110, Saint Paul, MN 55114
• 

  

  

  /8

  $175,000

  • Land
  • 0.24 Acre
  • $729,167 per Acre

  2401 Commonwealth Ave, Saint Paul, MN 55108

  Opportunity awaits on this rare 0.24 acre lot in the heart of St. Paul’s St. Anthony Park neighborhood. Tucked on a quiet street surrounded by mature trees and established homes, this property offers a unique chance to build new in a sought-after area. The spacious lot provides flexibility for a custom home design with room for outdoor living, gardens, or additional structures. Just minutes from

  Joe Schwartzbauer Real Broker, LLC

  2401 Commonwealth Ave, Saint Paul, MN 55108
• 

  

  

  /30

  $269,900

  • 3 Beds
  • 2 Baths
  • 1,565 Sq Ft

  1002 Marshall Ave, Saint Paul, MN 55104

  Welcome to this Classic Stunning 2 Story home located in the Summit-University neighborhood! You'll love the many updates made to this home including reclaimed hardwood floors, a brand new water heater, new appliances - and so much more!! It's easy living with 3 bedrooms all on one level with large closets and a completely renewed upper-level bathroom! Also, there's tons of storage in the lower

  Keith Castonguay TheMLSonline.com, Inc.

  1002 Marshall Ave, Saint Paul, MN 55104
• 

  

  

  /24

  $229,900

  • 3 Beds
  • 1 Bath
  • 1,730 Sq Ft

  1005 Galtier St, Saint Paul, MN 55117

  Don’t miss out on this charming, move-in ready 3-bedroom, 1-bath home that’s been beautifully updated from top to bottom! Enjoy brand-new flooring, fresh paint, and modern light fixtures throughout. The finished basement adds two non-conforming bedrooms, giving you extra living space or room for guests. Complete with a detached one-car garage and a private patio area.

  Andy Aguilar Rios Bridge Realty, LLC

  1005 Galtier St, Saint Paul, MN 55117
• 

  

  /32

  $749,990 New Construction

  • 3 Beds
  • 4 Baths
  • 1,981 Sq Ft

  856 S Woodlawn Ave, Saint Paul, MN 55116

  End Unit 3 story Fairwood features a gorgeous kitchen centrally located on the main floor between the café & the large gathering room. This will be the perfect space for family dinners & game nights with friends. Final stage of construction, ready for quick move-in. Please visit our model homes for more information this home.

  Lara Bettinger Pulte Homes Of Minnesota, LLC

  856 S Woodlawn Ave, Saint Paul, MN 55116
• 

  

  /34

  $120,000

  • 1 Bed
  • 1 Bath
  • 722 Sq Ft

  2800 Hamline Ave N Unit 112, Roseville, MN 55113

  Great location to small and large shopping malls. Main floor unit has sliding doors to patio and lovely view. ALL rooms in unit just painted. New tile on 3 sides of the tub. Building offers indoor swimming pool, community room, exercise room, and workshop. Underground heated parking (1 stall included) with car wash and security building. Move-in ready!

  Valentina Yarr Edina Realty, Inc.

  2800 Hamline Ave N Unit 112, Roseville, MN 55113
• 

  

  /5

  $376,120 Open Sun 11AM - 6PM

  • 3 Beds
  • 2.5 Baths
  • 1,722 Sq Ft

  1524 Trellis Ln, West Saint Paul, MN 55118

  READY NOW! Ask about special below market rates for CONV/FHA/VA financing and seller paid credits available with affiliate lender. The thoughtful floorplan maximizes space efficiency while maintaining an airy feel throughout. Quality construction by M/I Homes ensures attention to detail in every aspect of the home's design and build. The upstairs owner's bedroom provides a private retreat, while

  Lydia Kalb M/I Homes

  1524 Trellis Ln, West Saint Paul, MN 55118
• 

  

  /20

  $361,000 New Construction

  • 3 Beds
  • 2.5 Baths
  • 1,722 Sq Ft

  1536 Trellis Ln, West Saint Paul, MN 55118

  Discover this stunning new construction townhome at 1536 Trellis Lane in West St. Paul, built by M/I Homes. This thoughtfully designed 1,722 square foot home offers the perfect blend of comfort and functionality. Key Features: 3 bedrooms, 2.5 bathrooms Electric fireplace Patio Loft The home features an open-concept living space that seamlessly connects the main areas, creating an inviting

  M/I Homes Builder

  1536 Trellis Ln, West Saint Paul, MN 55118
• 

  

  /26

  $362,990 New Construction

  • 3 Beds
  • 2.5 Baths
  • 1,722 Sq Ft

  1532 Trellis Ln, West Saint Paul, MN 55118

  Discover this impressive new construction townhome at 1532 Trellis Lane in West St. Paul, built by M/I Homes. This thoughtfully designed 1,722 square foot home offers comfortable living with quality craftsmanship throughout. Home Features: 3 bedrooms, 2.5 bathrooms Open-concept living space Electric fireplace Patio Loft This West St. Paul location provides excellent access to local parks, making

  M/I Homes Builder

  1532 Trellis Ln, West Saint Paul, MN 55118
• 

  

  /39

  $449,900

  • 5 Beds
  • 2 Baths
  • 2,192 Sq Ft

  1801 Chatsworth St N, Saint Paul, MN 55113

  All the upgrades with the charm still intact. Located in the sought-after Reservoir Woods neighborhood, this 5-bedroom home combines move-in ready living with major recent improvements. Enjoy sun-filled living spaces, a remodeled lower level, and multiple outdoor areas including a maintenance-free deck, screen porch, and expansive patio on a generous 1/3-acre lot. Oversized heated 2-car garage

  Joshua Brook Wits Realty

  1801 Chatsworth St N, Saint Paul, MN 55113
• 

  

  /30

  $215,000

  • 4 Beds
  • 2 Baths
  • 1,745 Sq Ft

  634 Van Buren Ave, Saint Paul, MN 55104

  Located in the heart of Saint Paul, this well-maintained duplex offers a fantastic opportunity for both investors and owner-occupants alike. With separate upper and lower units, the layout provides flexibility for rental income, multi-generational living, or owner-occupied investment. The main-level unit features two bedrooms and one full bath, along with a covered porch- perfect for enjoying

  Jason Huerkamp Keller Williams Preferred Rlty

  634 Van Buren Ave, Saint Paul, MN 55104
• 

  

  /39

  $315,000

  • 3 Beds
  • 2 Baths
  • 1,232 Sq Ft

  2433 Youngman Ave, Saint Paul, MN 55116

  Welcome to 2433 Youngman Ave in the heart of Highland Park—where charm meets modern updates. This 1.5-story home offers 3 bedrooms, 2 bathrooms, and a functional layout designed for everyday living. Step inside to find fresh paint and brand-new carpet throughout, giving the home a clean, move-in-ready feel. The main level features beautiful hardwood floors, a bright and inviting living space, and

  Jarid Reeves Epique Realty

  2433 Youngman Ave, Saint Paul, MN 55116
• 

  

  /13

  $149,900

  • 2 Beds
  • 1 Bath
  • 1,050 Sq Ft

  2700 Dale St N Unit A214, Roseville, MN 55113

  Great location condo. Underground heated parking. New carpeting and new luxury vinyl tile in kitchen. Recreation building includes indoor heated pool, sauna, exercise and party area with ping pong and pool table along with outdoor grill and patio area

  David Holt Residential Property Management

  2700 Dale St N Unit A214, Roseville, MN 55113
• 

  

  /14

  $129,900

  • 1 Bed
  • 1 Bath
  • 702 Sq Ft

  500 County Road B W Unit 113, Roseville, MN 55113

  VILLA PARK CONDOS of ROSEVILLE! Ultra convenient, fun Roseville location nestled amongst the trees and wildlife adjacent to Villa Park. Enjoy an active lifestyle with meandering paved trails that connect to Reservoir Woods and Lake McCarrons trail system. Very convenient to Hwy 36, Rosedale Mall, Central Park/HANC/Arboreteum. Recently renovated top to bottom in 2023 with a modern but classic

  Anna Garnaas-Halvorson RE/MAX Results

  500 County Road B W Unit 113, Roseville, MN 55113
• 

  

  /22

  $220,000

  • 5 Beds
  • 2 Baths
  • 1,767 Sq Ft

  955 Burr St, Saint Paul, MN 55130

  Welcome to 955 Burr St, Saint Paul, MN 55130! This spacious home offers 5 bedrooms and 2 bathrooms with the convenience of a 1-car garage. The upper unit includes 2 bedrooms, 1 bathroom, and laundry, providing comfortable everyday living. The lower level features 3 additional bedrooms and another full bathroom, giving you plenty of room for family, guests, or flexible use. With separate living

  Andrew Nguyen LPT Realty, LLC

  955 Burr St, Saint Paul, MN 55130
• 

  

  /15

  $279,000

  • 2 Beds
  • 1 Bath
  • 1,324 Sq Ft

  44 Bernard St E, Saint Paul, MN 55118

  Completely remodeled and move-in ready! This beautifully updated 3-bedroom, 1 full bath home in West Saint Paul has been thoughtfully renovated from top to bottom. Enjoy a bright and inviting interior featuring a modern kitchen with updated cabinetry, countertops, and updated fixtures. The home offers fresh paint, new flooring throughout, and an updated bathroom with stylish finishes. Spacious

  Brian Solos eXp Realty

  44 Bernard St E, Saint Paul, MN 55118
• 

  

  /46

  $514,900

  • 2 Beds
  • 2 Baths
  • 1,027 Sq Ft

  80 Western Ave N Unit 105, Saint Paul, MN 55102

  Rare opportunity to own a luxury urban condo in Cathedral Hill’s sought-after Western Row Condominium—an architecturally distinctive residence in a charming four-story brick building. This spacious, light-filled first-floor unit features hardwood floors, large windows, and a cozy stone gas fireplace. The open-concept layout flows seamlessly from the modern kitchen into the generous living and

  Scott Stevenson Coldwell Banker Realty - Lakes

  80 Western Ave N Unit 105, Saint Paul, MN 55102
• 

  

  /6

  $201,900 Pre-Foreclosure

  • 3 Beds
  • 2 Baths
  • 1,270 Sq Ft

  760 Minnehaha Ave E, Saint Paul, MN 55106

  Great opportunity for St Paul living and close to downtown. Perfect home for an investment or a singlefamily. Large 3 car garage and extra parking/room on dead-end area of Minnehaha. Come check it out today!

  Greg Hilger RE/MAX Advantage Plus

  760 Minnehaha Ave E, Saint Paul, MN 55106
• 

  

  /32

  $159,900

  • 1 Bed
  • 1 Bath
  • 660 Sq Ft

  307 Walnut St Unit 5, Saint Paul, MN 55102

  Incredible opportunity to own a piece of history! This charming 1-bedroom, 1-bath condo with a dedicated parking space is located in the desirable Irvine Park Historic District. The unit features granite countertops, laminate flooring, and an open floor plan filled with natural light. The location truly can’t be beat—just steps from trendy West 7th Street, where you can walk to popular shops,

  Hope Palmer Real Broker, LLC

  307 Walnut St Unit 5, Saint Paul, MN 55102
• 

  

  /27

  $250,000

  • 3 Beds
  • 1 Bath
  • 1,332 Sq Ft

  416 View St, Saint Paul, MN 55102

  Charming West 7th two-story home featuring a full stucco exterior, concrete drive, fenced yard, and welcoming front porch. This home offers great bones and an excellent opportunity for a new owner to add cosmetic updates and bring out its full potential. Inside, you’ll find beautiful original details including oversized woodwork, hardwood floors throughout most spaces, tall ceilings, and a

  Vanessa Floyd Pemberton RE

  416 View St, Saint Paul, MN 55102
• 

  

  /28

  $259,900

  • 3 Beds
  • 2 Baths
  • 1,124 Sq Ft

  1092 Sims Ave, Saint Paul, MN 55106

  Located in the heart of Saint Paul, this charming and move-in ready two-story home blends classic character with key modern updates. Offering 3 bedrooms and 2 bathrooms, this spacious layout features a generous dining room perfect for gatherings and everyday living. Enjoy year-round comfort with central air and a forced-air furnace. The inviting 3-season front porch adds extra living space, while

  Andrew Nguyen LPT Realty, LLC

  1092 Sims Ave, Saint Paul, MN 55106
• 

  

  /24

  $299,900

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

  2900 University Ave SE Unit 208, Minneapolis, MN 55414

  Welcome to this RARE 3 bedroom CORNER unit with 2 underground heated PARKING stalls! LOCATION LOCATION - Close to the University of MN, Huntington Stadium, light rail, Fresh Thyme grocery, Surly Brewing, biking/hiking trails, and so much more . The kitchen offers stainless steel appliances with a large breakfast bar for on-the-go meals or optional adjacent dinette area. Spacious living room with

  Carrie Schmitz Keller Williams Classic Rlty NW

  2900 University Ave SE Unit 208, Minneapolis, MN 55414
• 

  /2

  $1,191,699

  • 4 Beds
  • 3.5 Baths
  • 3,451 Sq Ft

  26XX Lakeview Ct, Little Canada, MN 55117

  SPRING PARADE OF HOME MODEL RIGHT ACROSS THE STREET! DIRECTIONS TO MODEL - 35E TO LITTLE CANADA ROAD. LITTLE CANADA ROAD EAST TO EDGERTON ST. LEFT OR NORTH ON EDGERTON ABOUT ONE BLOCK TO LAKEVIEW CT ON LEFT/WEST. TURN LEFT INTO DEVELOPMENT, MODEL IS FIRST HOME ON LEFT. MODEL HOME IS FOR SALE!! Custom design and build with the team at Hampton Companies in Little Canada's newest executive home

  Mark Fearing Coldwell Banker Realty

  26XX Lakeview Ct, Little Canada, MN 55117
• 

  

  /28

  $369,900

  • 3 Beds
  • 1 Bath
  • 1,768 Sq Ft

  480 Iglehart Ave, Saint Paul, MN 55103

  Looking for something one-of-a-kind in Cathedral Hill? Built in 1854—just before Minnesota became a state—this remarkable limestone home offers the chance to steward a rare piece of local history. Constructed from hand-cut stone likely sourced from early Mississippi River bluffs and area quarries, homes like this were known for their durability, thermal stability, and distinctive character.

  Adam Tafel Real Broker, LLC

  480 Iglehart Ave, Saint Paul, MN 55103
• 

  

  /28

  $249,900

  • 4 Beds
  • 2.5 Baths
  • 1,401 Sq Ft

  1243 Reaney Ave, Saint Paul, MN 55106

  A charming and well-maintained home nestled in the heart of Saint Paul’s East Side. This property may look small on the outside but offers a great deal of character, comfort, and functionality. The home features high ceiling living spaces filled with natural light, a master bedroom with a private bath, and 3 bedrooms on the upper level with a convenient half bath. The interior includes a large

  Mao Lor Keller Williams Integrity Realty

  1243 Reaney Ave, Saint Paul, MN 55106
• 

  

  /53

  $499,999

  • 3 Beds
  • 2 Baths
  • 1,931 Sq Ft

  1947 Field Ave, Saint Paul, MN 55116

  Meticulously maintained 3-bed, 2-bath Mid-Century Modern home in Saint Paul’s desirable Highland Park, situated on a corner lot and truly move-in ready. This charming home blends classic design with extensive modern updates throughout. The main level features an updated family room with fireplace (2016), new subfloor and hardwood flooring (2024), refinished original hardwoods, new baseboard trim,

  Mark Wandersee Weichert, Realtors-Advantage

  1947 Field Ave, Saint Paul, MN 55116
• 

  

  /30

  $1,129,650 New Construction

  • 4 Beds
  • 3 Baths
  • 2,720 Sq Ft

  2870 Victoria St N, Roseville, MN 55113

  Welcome to the Canton II Plan at Victoria Shores on Lake Owasso! This stunning rambler features 4 spacious bedrooms and 3 bathrooms, with a thoughtfully designed kitchen that includes a large walk-in pantry. Enjoy peaceful, vista views of Lake Owasso from your living spaces, creating a serene atmosphere for everyday living. Main level livng with the primary bedroom, a 2nd bedroom/office & laundry

  Tadd Johnson Fieldstone Real Estate Specialists

  2870 Victoria St N, Roseville, MN 55113
• 

  

  /17

  $329,900

  • 3 Beds
  • 2 Baths
  • 2,480 Sq Ft

  253 Richmond St, Saint Paul, MN 55102

  New Roof, Vinyl Siding, Furnace and Hot Water Heater. Remodeled Upper-Level Kitchen with New Appliances. Fresh Paint Throughout. Updates to rear entry stairs. Fantastic Updated Duplex! Great Owner Occupant or Investor Option. Hardwood Floors Throughout. 3 Finished Levels. Upper Unit is 2 Levels

  Tom Gergen Blackbridge Real Estate

  253 Richmond St, Saint Paul, MN 55102
• 

  /2

  $269,900

  • 3 Beds
  • 2.5 Baths
  • 1,730 Sq Ft

  1351 Magnolia Ave E Unit 1351, Saint Paul, MN 55106

  New appliances, fresh coat of paint, new flooring, new carpet. Internet, water and garbage included with association. Convenient location: walking distance to Cub Foods, Aldis and many other places of entertainment. Located minutes walk to Phalen Park and only 10 minutes drive from Maplewood Mall and major highways.

  Abel Yohannes Strata Real Estate Resources

  1351 Magnolia Ave E Unit 1351, Saint Paul, MN 55106
• 

  

  /29

  $775,000

  • Land
  • 0.37 Acre
  • $2,094,595 per Acre

  878 Mississippi River Blvd S, Saint Paul, MN 55116

  Highland Bridge Custom Homes offers a unique opportunity to purchase a lot along the Mississippi River to build your dream home. Our preferred high-quality, local builders and designers will provide all of the guidance and support you need to make your perfect home a reality. Not only is Highland Bridge in the heart of St. Paul, but our community also features 50+ acres of parks and greenways and

  Jim Seabold Coldwell Banker Realty

  878 Mississippi River Blvd S, Saint Paul, MN 55116
• 

  

  /39

  $159,900

  • 2 Beds
  • 2 Baths
  • 1,190 Sq Ft

  2485 Canabury Dr Unit 212, Saint Paul, MN 55117

  Welcome to this desirable Canabury condo offering 2 bedrooms and 2 bathrooms.This is an amazing opportunity you won’t want to miss. This bright and inviting unit features abundant natural light throughout and includes a private primary suite with its own bathroom for added comfort and convenience.Enjoy the ease of same level free laundry and a heated garage complete with a car wash

  Kris Lindahl Kris Lindahl Real Estate

  2485 Canabury Dr Unit 212, Saint Paul, MN 55117
• 

  

  /16

  $244,900

  • 2 Beds
  • 1.5 Baths
  • 892 Sq Ft

  1333 Pacific St, Saint Paul, MN 55106

  This beautiful home offers a private driveway and a spacious car garage. Updated inside and out, the home features fresh paint, new appliances, new flooring, and a brand new AC system to keep you cool during the summer months. The unfinished basement provides excellent potential to add additional living space and increase square footage to suit your needs. With modern updates, functional layout,

  Grigoriy Vayntrub RE/MAX Results

  1333 Pacific St, Saint Paul, MN 55106
• 

  

  /29

  $360,000 Open Sun 11AM - 1PM

  • 5 Beds
  • 2 Baths
  • 1,825 Sq Ft

  936 Jefferson Ave, Saint Paul, MN 55102

  This 5 bedroom, 2 full bath home in Saint Paul gives you the space and flexibility that can be hard to find. Inside, the main level features beautiful LVP flooring that adds a clean, modern look and is built to handle everyday living. The kitchen is both stylish and functional with granite countertops, a tile backsplash, stainless steel appliances, and a breakfast bar that makes a great spot for

  Mitchel Herian Kris Lindahl Real Estate

  936 Jefferson Ave, Saint Paul, MN 55102
• 

  

  /51

  $1,250,000

  • 10 Beds
  • 3 Baths
  • 5,206 Sq Ft

  542 Portland Ave, Saint Paul, MN 55102

  Enter the gorgeous Cathedral Hill neighborhood to find this Diamond. A beautifully renovated triplex walking distance to charming coffee shops, bakeries, grocery stores, top-rated restaurants, and scenic parks. Located just one block north of historic Summit Avenue, the craftsmanship and attention to detail in this property truly shine. This rare find features two spacious 4-bedroom units with

  Nestor Arguello Edina Realty, Inc.

  542 Portland Ave, Saint Paul, MN 55102
• 

  

  /27

  $334,900

  • 3 Beds
  • 1 Bath
  • 1,050 Sq Ft

  2869 Victoria St N, Saint Paul, MN 55113

  Welcome to 2869 Victoria St N, Roseville, MN 55113 — a charming, well-maintained home just across the street from beautiful Lake Owasso! This 3-bedroom, 1-bath home sits on a spacious 0.34-acre lot and offers approx. 1,050 sq ft on the main level. Enjoy a bright living room, functional kitchen, and comfortable bedrooms—all ready for your personal touch.The lower level is unfinished and

  Kurt Evans Coldwell Banker Realty

  2869 Victoria St N, Saint Paul, MN 55113
• 

  

  /6

  $565,000

  • 3 Beds
  • 2 Baths
  • 1,721 Sq Ft

  1025 Colby St, Saint Paul, MN 55116

  Great property backing to Mississippi River Blvd with views of the River through the trees! This 3 level home has 3 bedrooms on upper level with real hardwood floors and full bath. The main level features living room with gas fireplace, separate dining room and an updated kitchen with newer stainless steel appliances. To the back of the home you have a wonderful 24x12 sunroom porch! The 3rd level

  Kary Marpe Edina Realty, Inc.

  1025 Colby St, Saint Paul, MN 55116
• 

  

  /26

  $205,000

  • 2 Beds
  • 1 Bath
  • 981 Sq Ft

  1111 Elway St Unit 506, Saint Paul, MN 55116

  Spacious 2 bedroom 1 bath condominium in a well maintained building and well run association.It offers generous room sizes with a southern exposure and outstanding views over Crosby park and the Mississippi River valley.The rooms are all freshly painted and carpeted. It offers a delightful balcony and a laundry with full sized washer and dryer.There is one underground heated parking

  James Burton Coldwell Banker Realty

  1111 Elway St Unit 506, Saint Paul, MN 55116
• 

  

  /26

  $149,900

  • 2 Beds
  • 2 Baths
  • 1,240 Sq Ft

  2730 Dale St N Unit D309, Saint Paul, MN 55113

  Convenient Roseville location for this 2 bedroom, 2 bath condo with a 1 car heated garage stall. Large living room with a gas fireplace, formal dining room, primary bedroom with 3/4 bath, 3 walk-in closets, deck overlooking the courtyard, and more.

  Ray Hitchcock Edina Realty, Inc.

  2730 Dale St N Unit D309, Saint Paul, MN 55113
• 

  

  /19

  $274,900

  • 3 Beds
  • 1 Bath
  • 909 Sq Ft

  1447 Hague Ave, Saint Paul, MN 55104

  Professionally remodeled by a licensed construction company, this home features a brand-new kitchen with cabinetry, quartz countertops, and appliances. The bathroom has been fully updated, and new carpet throughout gives the home a fresh, move-in-ready feel. Located in Saint Paul’s Hamline-Midway, the home is just minutes from downtown Saint Paul and Minneapolis. Enjoy nearby parks, neighborhood

  Cristy Oldman HOMESTEAD ROAD

  1447 Hague Ave, Saint Paul, MN 55104

Showing Results 441 - 480, Page 12 of 18