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Homes for Sale near St Joseph School

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  • /11

    $50,000

    • 2 Beds
    • 1 Bath
    • 672 Sq Ft

    876 41st Place NE Unit 31 Pl NE, Salem, OR 97301

    A 1979 trailer that has been updated through the years with interior and exterior paint, laminate flooring, A/C ready for the summer time. This is a great and affordable home, close to Lancaster Mall, restaurants,and close to bus transportation. This home is located on a Senior Park in NE Salem.

    Antonio Trejo TU CASA CORPORATION

    876 41st Place NE Unit 31 Pl NE, Salem, OR 97301
  • /36

    $399,000

    • 2 Beds
    • 1 Bath
    • 924 Sq Ft

    227 Commercial St NE, Salem, OR 97301

    Newly built in 2022, Downtown Salem Loft Condominium, listed for the first time. This 2-bedroom, 1.5-bath condo has been a successful fully furnished rental, offering flexibility for owner-occupants or investors. The open-concept layout features modern finishes and natural light throughout, with direct access to two private decks for outdoor enjoyment. The location provides close proximity to

    Marta Guajardo HOMESMART REALTY GROUP

    227 Commercial St NE, Salem, OR 97301
  • /40

    $425,000

    • 3 Beds
    • 2 Baths
    • 1,457 Sq Ft

    4806 Capistrano Ct NE, Salem, OR 97305

    NEW ROOF! Charming, well-maintained single-level ranch featuring 3 bed/2 bath, offering comfort and convenience throughout. Fresh interior paint creates a bright, inviting feel. Located at the end of a quiet cul-de-sac, this home offers added privacy and minimal traffic. Step outside to a fully fenced backyard with a mature hedge providing ultimate privacy-perfect for relaxing or entertaining

    LYNETTE HAWKINS REALTY ONE GROUP WILLAMETTE VALLEY

    4806 Capistrano Ct NE, Salem, OR 97305
  • /25

    $330,000

    • 2 Beds
    • 1 Bath
    • 820 Sq Ft

    1925 Liberty St NE, Salem, OR 97301

    See 3-D video/tour at bottom/left of pictures.You Must See, Move-in ready totally and beautifully remodeled (quality work), new Windows, door, Siding, flooring, kitchen, ext/int paint, and much much more, Close to downtown, Covered carport and shed, fenced back yard, please use shoe covers.

    Francisco Garcia COLDWELL BANKER MOUNTAIN WEST REAL ESTATE, INC.

    1925 Liberty St NE, Salem, OR 97301
  • /46

    $729,900

    • 4 Beds
    • 3.5 Baths
    • 3,325 Sq Ft

    391 McNary Heights Dr N, Keizer, OR 97303

    Striking curb appeal at Ten At McNary. This beautiful 4 bed/3.5 bath home features vaulted living and family rooms filled with natural light, plus an office w/built-in bookshelves and desk overlooking tree-filled views. Spacious bedrooms throughout. The lower level offers true dual living potential with a kitchenette, family room w/gas fireplace, large bedroom and bath - perfect for guests or

    DENISE BOWERS HomeSmart Realty Group

    391 McNary Heights Dr N, Keizer, OR 97303
  • /26

    $129,900

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

    3554 Turner Rd SE, Salem, OR 97302

    HOME WARRANTY OFFERED! Stunning Fully Remodeled Manufactured Home! This beautifully upgraded 3-bedroom, 2-bath home is located in a well-maintained park and offers the perfect blend of comfort and modern style. Step into a spacious open-concept layout featuring a massive kitchen island—ideal for cooking, entertaining, and family gatherings. The bright living room is highlighted by a gorgeous

    KATHY CAMPOS MESEN REALTY OF AMERICA, LLC

    3554 Turner Rd SE, Salem, OR 97302
  • /31

    $1,350,000 New Construction

    • 6 Beds
    • 3.5 Baths
    • 2,882 Sq Ft

    Model B Ballyntyne Rd, Salem, OR 97302

    Custom home TO BE BUILT w/accepted offer by Comfort Homes LLC #152024. Open floor plan concept. Conveniently located to all your needs! 5 acre parcel! Home features a primary & office on main +4 bdrms @ 2nd floor including 2nd primary suite or oversized bonus room, gourmet kitchen w/ professional appl package, XL walk in shower w/ bench, soaking tub, tandem garage, many designer finishes

    Ilya Makarenko HOMESMART REALTY GROUP

    Model B Ballyntyne Rd, Salem, OR 97302
  • /9

    $1,650,000

    • 5,528 Sq Ft

    1348-1366 12th St SE, Salem, OR 97302

    This 10 unit complex was completely renovated in 2017. 100% occupied and attaining solid rents on a good unit mix. In place property management. Assumable financing for a qualified purchaser. Fixed rate at 4.030%. Loan matures in 2032.

    Brandon Whitehead SMI REAL ESTATE

    1348-1366 12th St SE, Salem, OR 97302
  • /41

    $505,000

    • 3 Beds
    • 2 Baths
    • 1,802 Sq Ft

    2217 Juliet Ct S, Salem, OR 97302

    3-bed,2-bath single level home nestled in a quiet cul-de-sac. Bright and airy open-concept living area featuring vaulted ceilings, large windows and hardwood floors. The spacious living room flows seamlessly into the modern kitchen with granite countertops and cozy breakfast nook. Adjacent dining area is ideal for entertaining and family dinners.Primary suite boasts generous walk-in

    Robert Foss JMG JASON MITCHELL GROUP

    2217 Juliet Ct S, Salem, OR 97302
  • /9

    $149,900

    • Land
    • 0.19 Acre
    • $788,947 per Acre

    2446 Morrow Ct NW, Salem, OR 97304

    Fully developed West Salem lot ready to build! Possible Seller carry terms available. Brand new 4-Plex plans have been approved by City of Salem and permits are ready to pick up. This is turn-key and shovel ready. All utilities are present at the lot. Geotech engineering completed. Can be sold individaully or together with 2 other lots on same dead end street. Can be sold as a build job for a 4

    Zach Zeek HOMESMART REALTY GROUP

    2446 Morrow Ct NW, Salem, OR 97304
  • /45

    $365,000

    • 3 Beds
    • 3 Baths
    • 1,569 Sq Ft

    271 McNary Heights Dr N, Keizer, OR 97303

    Completely updated two-story condo near McNary Golf Course! 1,569 sq ft with 3 spacious bedrooms and 3 baths. Light and bright interior with new luxury vinyl plank flooring on main and new carpet upstairs. Freshly painted with an updated kitchen featuring quartz counters and new appliances. Primary bath remodeled. Enjoy the new extended deck plus upper deck for outdoor living. Easy I-5 access and

    Gladys Blum BLUM REAL ESTATE

    271 McNary Heights Dr N, Keizer, OR 97303
  • /49

    $420,000

    • 3 Beds
    • 1 Bath
    • 1,248 Sq Ft

    4370 Gary St NE, Keizer, OR 97303

    Charming 3-bedroom, 1-bath home located in a convenient Keizer neighborhood. Features a functional floor plan with comfortable living spaces and a practical layout. A standout feature is the large detached shop in the backyard or Possible ADU or workshop, storage, hobbies, or potential home-based projects. The spacious yard provides room for entertaining, gardening, or future possibilities.

    JOSE CABRERA SMI REAL ESTATE

    4370 Gary St NE, Keizer, OR 97303
  • /19

    $539,900 New Construction

    • 4 Beds
    • 2.5 Baths
    • 2,306 Sq Ft

    Ashland Plan at Coburn Terrace, Salem, OR 97302

    The first level of this two-story home is occupied by an open floorplan where the Great Room, kitchen and dining room share a footprint. Sliding glass doors lead to a patio for effortless indoor-outdoor living and entertaining. A tech space is ideal for getting paperwork done or working from home. All four bedrooms are found upstairs, including the owner’s suite with an en-suite bathroom and

    Lennar Builder
    2690 Mount St Helens Ave SE Unit 36040678, Salem, OR 97302
  • /24

    $825,000

    • 4 Beds
    • 2.5 Baths
    • 2,449 Sq Ft

    3321 Felton St S, Salem, OR 97302

    Built in 2022 and thoughtfully upgraded throughout this beautifully maintained home offers flexible living with 4 bedrooms (large non-conforming 4th bdrm ), a dedicated office and a spacious three-car garage. The primary suite is conveniently located on the main level creating comfortable main-floor living, while upstairs features three additional bedrooms and a full bath. SSoaring 9-foot

    SEAN DOONEY KELLER WILLIAMS REALTY PORTLAND PREMIERE

    3321 Felton St S, Salem, OR 97302
  • /22

    $249,500

    • 2 Beds
    • 1 Bath
    • 648 Sq Ft

    4070 Beck Ave SE, Salem, OR 97317

    Great Investment Opportunity or 1st home with repairs. Sold As-Is. Possible tear down and rebuild with duplex or townhomes. High convenience score for groceries, shopping, gas, and entertainment. County states home is a 2 bedroom but shows as a 1 bedroom w/bonus.

    Kristin CONTRAS-CONDON HomeSmart Realty Group

    4070 Beck Ave SE, Salem, OR 97317
  • /11

    $434,900 New Construction

    • 3 Beds
    • 2.5 Baths
    • 1,785 Sq Ft

    4036 Kurth St S, Salem, OR 97302

    Introducing Tally Meadows, South Salem’s newest development now under construction! Enjoy modern, stylish condo living that blends luxury, affordability, & convenience. This desirable end unit offers 1,785 SF w 3 bed + office, 2.5 bath. Fully applianced kitchen including Refrig. Great Rm w/ fireplace. LVP Flooring. Primary Bdrm w/ WI closet & ensuite w dbl sinks & tile walk in shower. 2 car

    Gladys Blum BLUM REAL ESTATE

    4036 Kurth St S, Salem, OR 97302
  • /27

    $124,000

    • 2 Beds
    • 2 Baths
    • 1,618 Sq Ft

    5154 Nordic Ct N, Keizer, OR 97303

    Solid home with room to make it your own! 2 bed, 2 full bath, plus a nice office with a built-in desk. Located in a super quiet all-ages park! Convenient access to I-5, restaurants, and shopping, but still feels tucked away. Large kitchen with ample amounts of storage, formal and casual dining, low-maintenance fully fenced backyard, covered patio area, 2 storage sheds, fresh exterior paint, and a

    Ross Martinson PARAMOUNT REAL ESTATE SERVICES

    5154 Nordic Ct N, Keizer, OR 97303
  • /3

    $79,900

    • Land
    • 0.19 Acre
    • $420,526 per Acre

    360 View Dr NW, Salem, OR 97304

    Rare Opportunity: Affordable View Lot in West Salem. ?Bring your builder and your vision to this prime 0.19-acre (8,276 sq ft) building site in the desirable 97304 zip code. Perched on View Drive NW, this property offers excellent value with scenic territorial vistas and glimpses of the river. The sloped topography is perfectly suited for a daylight basement design, allowing you to maximize

    Greg Messick REALTYNET

    360 View Dr NW, Salem, OR 97304
  • /50

    $387,000

    • 2 Beds
    • 1 Bath
    • 1,278 Sq Ft

    2243 32nd Ave NE, Salem, OR 97301

    This charming cape cod has been owned by the same family for over 60 years! Started as a 4 bedroom and can be converted back. Many updates over the years including added insulation, fireplace completely rebuilt, hardiplank siding and more. Plenty of parking in the oversized driveway and double car garage. 12x16 shed. Large fenced backyard, perfect for gardening, entertaining or just letting your

    Kathy Hauge LEGACY REAL ESTATE

    2243 32nd Ave NE, Salem, OR 97301
  • /50

    $649,900

    • 5 Beds
    • 4 Baths
    • 2,616 Sq Ft

    931 Orchard St N, Keizer, OR 97303

    Rare Opportunity on .28 acres!Fully remodeled single-level home w/4 beds/2baths/1976sqft. + 640 sqft. ADU!Features include separate LR/FR divided by gourmet kitchen w/large island,SS appliances,quartz counters,new cabinetry,high ceilings,skylights & new HVAC.Private en-suite set apart from other rooms,w/dual vanities & deck access.Property includes a detached ADU w/additional kitchen & 2bed/2bath

    Eric Wellard RE/MAX INTEGRITY - SALEM

    931 Orchard St N, Keizer, OR 97303
  • /35

    $529,900

    • 4 Beds
    • 2 Baths
    • 2,380 Sq Ft

    4694 Tragen Ct SE, Salem, OR 97302

    Move-in ready South Salem gem on a quiet cul-de-sac! New roof, heat pump, fresh interior & exterior paint, updated kitchen, and gutters. Fenced backyard backing to mature trees with a private hot tub and plum tree. Steps to Woodmansee Park, schools, WinCo, and transit. Smart-home features throughout. Agent related to seller.

    NICHOLE MILLER REAL BROKER

    4694 Tragen Ct SE, Salem, OR 97302
  • /50

    $1,145,000 New Construction

    • 3 Beds
    • 2 Baths
    • 1,842 Sq Ft

    Model D Ballyntyne Rd, Salem, OR 97302

    Beautiful 1 level home TO BE BUILT w/accepted offer by Comfort Homes LLC #152024. Stunning home, tastefully decorated, well thought out finishes inside and out. Wonderful single level plan, comfort and style awaits in the light and bright vaulted great room, lovely floor, custom built in cabinets w/cozy gas FP & formal dining area. Custom kitchen w/gorgeous cabinets, beautiful quartz countertops

    Ilya Makarenko HOMESMART REALTY GROUP

    Model D Ballyntyne Rd, Salem, OR 97302
  • /32

    $589,900

    • 4 Beds
    • 2.5 Baths
    • 2,880 Sq Ft

    2620 Dalke Ridge Dr NW, Salem, OR 97304

    Open House Sunday 02/15 2:00-4:00! Enjoy stunning views from this elegant custom built home w/oversized 3 car garage. The gourmet kitchen features slab granite counters, stainless steel appliances, new cooktop and spacious pantry. The kitchen opens to the dining area & great room. There's also a office/potential 4th bedroom on the 1st floor. Well designed w/ high trayed & vaulted ceilings as well

    Brian Smith COLDWELL BANKER MOUNTAIN WEST REAL ESTATE, INC.

    2620 Dalke Ridge Dr NW, Salem, OR 97304
  • /27

    $675,000

    • 4 Beds
    • 5 Baths
    • 2,723 Sq Ft

    2572 & 2574 Arroyo Ridge Ct NW, Salem, OR 97304

    What a remarkable duplex in great condition & in a desirable neighborhood in the hills of West Salem. Either consider this one for an investment property or an owner occupied unit with the flexibility of having an attached dwelling for extra income or for someone you care about. Low maintenance landscaping, easy access with flat driveway into the shared 3 bay garage. This property gives a private

    Brian White PARAMOUNT REAL ESTATE SERVICES

    2572 & 2574 Arroyo Ridge Ct NW, Salem, OR 97304
  • /45

    $499,999 Pre-Foreclosure

    • 3 Beds
    • 2.5 Baths
    • 2,026 Sq Ft

    150 Rolling Hills Ave SE, Salem, OR 97306

    Enjoy life in the beautiful close-in South Salem hills. Spacious rooms are ideal for entertaining, a stone fireplace and high ceilings! This light and bright home features large windows and a view to Mt Hood! Cook's kitchen features a 5-burner gas stove, and granite countertops. Spacious ensuite primary with recessed lighting, jetted tub, walk-in closet with dual vanity. Private fenced backyard

    David Schacher COLDWELL BNKR/COMMERCIAL DIV

    150 Rolling Hills Ave SE, Salem, OR 97306
  • /47

    $385,000

    • 3 Beds
    • 1 Bath
    • 1,226 Sq Ft

    4020 Gary St NE, Keizer, OR 97303

    Move-in ready, fully updated, single level, 3bdrm home on a large lot with RV parking, & enough space for a potential shop. Large kitchen features granite counter-tops, glass-tile backsplash, stainless steel appliances, and a spacious, rustic island. LVP flooring throughout. Enjoy the big, fully fenced backyard, covered patio, and a separate fenced area with raised garden boxes. Nearby park,

    DEBBIE DAILEY REALTY ONE GROUP WILLAMETTE VALLEY

    4020 Gary St NE, Keizer, OR 97303
  • /35

    $312,000

    • 2 Beds
    • 1 Bath
    • 704 Sq Ft

    1095 Candlewood Dr NE, Keizer, OR 97303

    Charming and move-in ready 2-bedroom, 1-bath home situated on a spacious and level 0.31-acre lot. The interior has been beautifully remodeled with updated finishes throughout and a fully tiled bathroom. Enjoy the large, flat yard with plenty of room for outdoor living and entertaining. The property also includes a detached shop, perfect for storage, hobbies, or workspace. A great opportunity with

    KATHY CAMPOS MESEN REALTY OF AMERICA, LLC

    1095 Candlewood Dr NE, Keizer, OR 97303
  • /32

    $475,000

    • 4 Beds
    • 2 Baths
    • 1,656 Sq Ft

    960 Shipping St NE, Salem, OR 97301

    YOU MUST SEE; Beautifully remodeled/move-in ready, top of the line/great quality remodeled 4bd/2 full baths with partially finished basement for entertainment, new in 2023: Heat pump, Roof, vinyl windows and more, 1-car detached garage with access to back yard, Large area for RV park (or your toys)

    Francisco Garcia COLDWELL BANKER MOUNTAIN WEST REAL ESTATE, INC.

    960 Shipping St NE, Salem, OR 97301
  • /2

    $2,075,000

    • Land
    • 9.12 Acres
    • $227,522 per Acre

    0 Wallace Rd NW Unit 468567809, Salem, OR 97304

    This offering presents a prime 1.82 and 7.30-acre parcel of Residential Medium Density (RM2) zoned land located in the rapidly growing West Salem neighborhood, directly adjacent to the highly anticipated Marine Drive corridor. With proximity to major transportation routes, expanding infrastructure, and a thriving local community, this site offers significant potential for multifamily development

    David Keys Norris & Stevens Investment Real Estate Services

    0 Wallace Rd NW Unit 468567809, Salem, OR 97304
  • /8

    $365,000

    • Land
    • 0.53 Acre
    • $688,679 per Acre

    3005 Portland Rd NE, Salem, OR 97301

    Consisting of five tax lots totaling approximately .53 acres, is ideally situated near I5and boasts urban renewal incentives. With its advantageous location and IC zoningwith Portland/Fairgrounds Overlay, this offering holds immense potential fordevelopment.Urban Renewal allows for a 1:1 match of applicable expenses (see link for details).Example: $600,000 is spent on applicable costs, Buyer can

    Alex Rhoten COLDWELL BNKR/COMMERCIAL DIV

    3005 Portland Rd NE, Salem, OR 97301
  • /30

    $445,000 Open House 3/07

    • 3 Beds
    • 2 Baths
    • 1,500 Sq Ft

    4030 Hennessy Ln NE, Keizer, OR 97303

    MOTIVATED SELLERS! Move-in ready in a quiet location! This updated home boasts new carpet, paint, and landscaping, with an open floor-plan and soaring cathedral ceilings. Enjoy a main-level primary, bonus loft, and a spacious covered deck. With potential for RV/trailer space, this well maintained home is a must-see. Schedule your showing today!

    CAYLAN JOHN STARK EXP REALTY, LLC

    4030 Hennessy Ln NE, Keizer, OR 97303
  • /20

    $439,000

    • 3 Beds
    • 2 Baths
    • 1,943 Sq Ft

    2956 Bridgeport Ave SE, Salem, OR 97306

    Discover this clean and well maintained 3-bedroom, 2-bathroom single-level home in Salem. This 1,943 sq. ft. residence offers peace of mind with a newer roof, updated plumbing throughout, and a new water heater. The kitchen features a new garbage disposal and perfectly functioning appliances, while a new back door leads to the fenced yard. This move-in-ready home is situated on a 6,534 sq. ft.

    Jared English Congress Realty

    2956 Bridgeport Ave SE, Salem, OR 97306
  • /30

    $449,850

    • 3 Beds
    • 2 Baths
    • 1,618 Sq Ft

    782 Lockwood Ln S, Salem, OR 97302

    Beautifully updated, this stunning home blends modern finishes with warm inviting spaces. Open floor plan with beam ceilings and ample windows flood the home w/ natural light bringing the outdoors in. Great room with fireplace, remodeled kitchen with granite counters, large dining area, family room, office with storage, and large utility room. Updated LVP Vinyl Plank flooring, carpet, hardware,

    Rick Maurmann COLDWELL BANKER MOUNTAIN WEST REAL ESTATE, INC.

    782 Lockwood Ln S, Salem, OR 97302
  • /49

    $948,000

    • 3 Beds
    • 3.5 Baths
    • 2,689 Sq Ft

    410 50th Ave NW, Salem, OR 97304

    Elegant home poised on 3 acres in West Salem. Outdoor space abounds with walking trails, patio, & gazebo stationed by pond & waterfall beneath a picturesque Oregon canopy. Be it entertaining with a formal dining room, tranquility in the hidden sitting areas on the property, or family gatherings on the patio and in the gazebo, this 3 bed/4bath home with detached ADU allows for a variety of uses.

    SEAN ANDERSON HOMESTAR BROKERS

    410 50th Ave NW, Salem, OR 97304
  • /24

    $349,000

    • 3 Beds
    • 2 Baths
    • 1,796 Sq Ft

    3185 Link Ct S, Salem, OR 97302

    Come check out this 3 bed 2 bathroom zero lot line home in the Golfers Park community near Salem Golf Course. This two story home has vaulted ceiling, primary bedroom on the main level, separate living and family room, AC, and a corner lot with a yard.

    CHAD JONES HOMESMART REALTY GROUP

    3185 Link Ct S, Salem, OR 97302
  • /30

    $379,900

    • 3 Beds
    • 1 Bath
    • 1,008 Sq Ft

    4313 Sylvia Ct SE, Salem, OR 97317

    Charming, move-in-ready 3-bedroom, 1-bath ranch-style home, perfect for first-time buyers or downsizing! Lovingly and particularly maintained, it boasts a modern 3-year-old roof, efficient air conditioning, and a spacious 2-car garage. Nestled on a generous, beautifully kept lot, this cozy gem offers comfort and value, ready to welcome you home. This property should qualify for FHA or VA

    EMMA KLINE KELLER WILLIAMS CAPITAL CITY

    4313 Sylvia Ct SE, Salem, OR 97317
  • /16

    $159,900

    • 3 Beds
    • 2 Baths
    • 1,404 Sq Ft

    642 Royalty (#12) Cir NE Unit 12, Salem, OR 97301

    Welcome to this well-maintained 1998 manufactured home located in the desirable Centerview Estates, a 55+ community. This spacious 3-bed, 2-bath home also features a bonus office/den—perfect for working from home or extra hobby space. Enjoy peace of mind with a brand-new HVAC system installed in 2024, along with low-maintenance Leaf Guard gutters. Outdoor features a back deck ideal for relaxing

    SHYRA CASTRONOVO HOMESMART REALTY GROUP

    642 Royalty (#12) Cir NE Unit 12, Salem, OR 97301
  • /32

    $477,900

    • 3 Beds
    • 2.5 Baths
    • 1,763 Sq Ft

    5285 Anaconda Dr S, Salem, OR 97302

    Enjoy stunning Mt. Jefferson views from the bay window in the living room and the 2nd floor primary bedroom of this home with three bedrooms, updated features. This perfect hosting home has the covered patio with hot tub, dog run, RV parking, and oversized garage offer comfort and convenience inside and out. Make this home your own!

    SCOTT ROBBLEE HOMESMART REALTY GROUP

    5285 Anaconda Dr S, Salem, OR 97302
  • /45

    $400,000

    • 5 Beds
    • 2.5 Baths
    • 1,974 Sq Ft

    1280 4th St NE, Salem, OR 97301

    Ooh la la!!! Charming 1910 featuring a vintage front porch and original hardwood floors. This 5 bdrm 1.5 bth home offers 1,974 sq ft of living space with a thoughtfully remodeled kitchen offering SS appliances, updated cabinetry, LVP flooring, and a farmhouse sink. Basement space offers flexible use for storage and potential for finished spaces. Enjoy a fully fenced back yard, shop, covered deck

    Amy Clark BRIGHTHOME REAL ESTATE GROUP

    1280 4th St NE, Salem, OR 97301
  • /12

    $38,000

    • 2 Beds
    • 1 Bath
    • 840 Sq Ft

    4766 Amber St NE, Salem, OR 97301

    Check out this charming & cozy home featuring vaulted ceilings & open floor plan. Well designed kitchen w/dining nook, pantry & coffee bar. Home is on a corner lot in Royal Estates, a 55+ park, providing water, sewer, garbage and access to community clubhouse.

    Amy Clark BRIGHTHOME REAL ESTATE GROUP

    4766 Amber St NE, Salem, OR 97301

Showing Results 561 - 600, Page 15 of 18

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