Homes for Sale in 38585

• 

  

  

  /8

  $68,929

  $6K PRICE DROP

  • Land
  • 6.1 Acres
  • $11,300 per Acre

  0 Horseshoe Dr Unit 237025, Spencer, TN 38585

  Located in the desirable Hawks Bluff community and just minutes from the breathtaking Fall Creek Falls State Park, this beautiful 6.1-acre level tract offers the perfect blend of privacy, nature, and convenience. With abundant usable land, the property provides an excellent opportunity to build your dream home, weekend retreat, or forever residence without sacrificing seclusion. Electric and

  Heather Skender-Newton Skender-Newton Realty

  0 Horseshoe Dr Unit 237025, Spencer, TN 38585
• 

  

  

  /18

  $279,998

  • Land
  • 27.84 Acres
  • $10,059 per Acre

  27 AC Flatbush Ln, Spencer, TN 38585

  If you are searching for a rare opportunity to own prime acreage in Van Buren County, this exceptional tract delivers! Surveyed at 27.836 acres, this unrestricted property offers the perfect blend of privacy, natural beauty, and endless potential. Mature timber enhances both value and scenic appeal, while a creek gently borders the eastern side, creating a picturesque setting. Accessed via

  Elijah Castelli Elevate Real Estate

  27 AC Flatbush Ln, Spencer, TN 38585
• 

  

  

  /4

  $429,998

  • Land
  • 158.45 Acres
  • $2,714 per Acre

  0 Lick Hollow Branch Unit RTC2992108, Spencer, TN 38585

  Amazing opportunity awaits with this rare 150 acre tract, once envisioned as Spencer Mountain Village, now offering endless potential for your vision! Whether you’re an investor seeking prime development land or a dreamer ready to create the ultimate homestead, this property delivers. With utilities available at the road, you’ll have the foundation to build your dream home, a community, or a

  Elijah Castelli Elevate Real Estate

  0 Lick Hollow Branch Unit RTC2992108, Spencer, TN 38585
• 

  

  

  /9

  $429,998

  • Land
  • 5.56 Acres
  • $77,338 per Acre

  4.5 AC Highway 111, Spencer, TN 38585

  Great development opportunity awaits! Once planned as part of Spencer Mountain Village, this property is now your chance to create something truly special. Spanning approximately 4.5 acres across two parcels, this prime tract offers an ideal setting to build the home of your dreams or explore a variety of development possibilities. With utilities conveniently available at the road, the groundwork

  Elijah Castelli Elevate Real Estate

  4.5 AC Highway 111, Spencer, TN 38585
• 

  

  

  /97

  $699,900

  $50K PRICE DROP

  • 2 Beds
  • 1 Bath
  • 780 Sq Ft

  1438 Phifer Mine Rd, Spencer, TN 38585

  Attention Investors!! Tucked away on a quiet wooded lot, there are two cottages the perfect getway!!! Both cabins are located on a private property and its approximately 15 min drive to the Fall Creek Falls State Park. 25-30 min away from Rock Island, Twin falls and Burgess Falls. Spend your day hiking nearby trails and your evenings lounging on the private deck or by the fire pit. Both cabins

  Lana Drevenchuk Premier Property Group Inc.

  

  1438 Phifer Mine Rd, Spencer, TN 38585
• 

  

  /22

  $48,150

  • Land
  • 4.57 Acres
  • $10,536 per Acre

  Lot 53 Pioneer Ln, Spencer, TN 38585

  NICE 4.57 ACRE BUILDING LOT IN THE HEART OF THE CUMBERLAND PLATEAU. This parcel has a level cleared building site, or go further back into the woods for a more private setting. Enjoy the serenity of a quiet cul-de-sac where each home has plenty of acreage. Electricity and fiber optic internet available right at the road. Convenient to Cookeville, Sparta, McMinnville and Chattanooga and just

  Melissa Harmon RE/MAX Finest

  Lot 53 Pioneer Ln, Spencer, TN 38585
• 

  

  /7

  $36,000

  • Land
  • 3.99 Acres
  • $9,023 per Acre

  Lot 257 Buck Cir, Spencer, TN 38585

  3.99 ACRES! Lot #257 is a gorgeous level buildable lot nestled in the gated community of Long Branch Lakes at Fall Creek Falls. Adjacent lots on either side are for sale as well! Combine lots to create your home, pasture and barn! This parcel lays well, has mature hardwoods, underground electricity is on site, and fiber optic internet and public water are available. Septic permit is needed. Buck

  Melissa Harmon RE/MAX Finest

  Lot 257 Buck Cir, Spencer, TN 38585
• 

  

  /46

  $89,900

  • Land
  • 7.26 Acres
  • $12,383 per Acre

  0 Topside Dr Unit 50, Spencer, TN 38585

  7.26 surveyed acres of Tennessee Paradise in The Ranches at Willow Ridge! Escape to the beauty of Van Buren County with this stunning 7.26-acre property featuring mountain views, mature trees, abundant wildlife, and multiple buildable sites. Modest restrictions are designed to preserve the beauty of the community, improved driveways off the private road with approx 400+ ft of road frontage.

  Debra Dodd No 1 Quality Realty

  0 Topside Dr Unit 50, Spencer, TN 38585
• 

  

  /46

  $115,000

  $10K PRICE DROP

  • 3 Beds
  • 1.5 Baths
  • 952 Sq Ft

  742 Captain Carter Rd, Spencer, TN 38585

  Move in ready! Seller’s are eager to move close to their new grandbaby! This beautiful wooded property offers 4.16 acres that go beyond the creek at the back of the property. All but one small portion of the of the interior of the home has been freshly painted. In 2026 the LVP floors were completed. New Stainless Steel Kitchen Appliances purchased in October of 2025 including dishwasher, stove,

  Dusty White Steve Jernigan Realty

  742 Captain Carter Rd, Spencer, TN 38585
• 

  

  /9

  $74,900

  $25K PRICE DROP

  • 3 Beds
  • 2 Baths
  • 984 Sq Ft

  580 Captain Carter Rd, Spencer, TN 38585

  3 BR4 2 BATH HOME WITH ON LARGE 1 PLUSE ACRE. CONVENIENT TO HWY 111. CLOSE TO STATE PARKS, HIKING AND FISHING. SECOND BUILDING WITH POTENTION TO BE 2ND LIVING QUARTERS. STORAGE BUILDING DOES NOT CONVEY.

  Tammy Price Tri-Star Real Estate & Auction Co, Inc.

  580 Captain Carter Rd, Spencer, TN 38585
• 

  

  /4

  $124,998

  • Land
  • 5 Acres
  • $25,000 per Acre

  0 Mountain Crest Dr, Spencer, TN 38585

  Great development opportunity awaits with this exceptional 5-acre property, once envisioned as Spencer Mountain Village and now ready for your vision to take shape! With utilities conveniently available at the road, this prime parcel offers endless potential, whether you’re planning a private retreat, a small community, or a custom build tailored to your dreams. The land features abundant

  Elijah Castelli Elevate Real Estate

  0 Mountain Crest Dr, Spencer, TN 38585
• 

  

  /20

  $25,000

  • Land
  • 1.52 Acres
  • $16,447 per Acre

  151c Indian Trails Dr, Spencer, TN 38585

  This is wooded lot with Road Frontage on Indian Trail Drive. Pines in the front and hardwoods in the back. You have homesites any place you like on the property and is mostly flat and slightly rolling by the creek. This is rural and these lots are at the end of the street. 6 lots are available and check out the map. There is an Amish community about a mile down Rocky River Rd for produce and farm

  Mike Lamb Century 21 Professional Group

  

  151c Indian Trails Dr, Spencer, TN 38585
• 

  

  /10

  $69,900

  • Land
  • 3.52 Acres
  • $19,858 per Acre

  292 Overlook Dr, Spencer, TN 38585

  Escape to the peaceful, gated community of Rocky River Vista, where this beautiful 3.52-acre wooded lot offers privacy, natural beauty, and everyday convenience. Surrounded by abundant wildlife and tranquil scenery, the property provides an excellent setting for a custom home, with light restrictions that allow flexibility while preserving the area's charm. Residents enjoy access to community

  Taylor Robinson True North Real Estate Services, LLC

  292 Overlook Dr, Spencer, TN 38585
• 

  

  /36

  $53,000

  • Land
  • 5.22 Acres
  • $10,153 per Acre

  0 Camp Creek Rd Unit 1530008, Spencer, TN 38585

  This property feature plenty of building spots ,fenced in the front and along side, access to public water ,fiber, seasonal creek and access to the 2 large lakes an equestrian facility, horse trails and the property has many trails cut through it. There is a store also located not far from these lots. Property has restrictions to keep up property values and appearances' . There are also 2 tracts

  Greg Barkley Fall Creek Falls Realty LLC

  

  0 Camp Creek Rd Unit 1530008, Spencer, TN 38585
• 

  

  /9

  $41,829

  $8K PRICE DROP

  • Land
  • 1.07 Acres
  • $39,093 per Acre

  1.07 AC Hemlock Ln, Spencer, TN 38585

  Welcome to Long Branch Lakes at Fall Creek Falls. Nestled in between Sparta and Chattanooga located in Spencer, TN finds you an area that is a must see. With this property you will enjoy access to an inground pool, tennis and basketball courts, as well as several pavilions. This property offers 219' of Road Frontage. Are you ready to build your dream home in this gated community that offers

  Heather Skender-Newton Skender-Newton Realty

  1.07 AC Hemlock Ln, Spencer, TN 38585
• 

  

  /3

  Call for Price

  • Land
  • 10.19 Acres

  1752 Pine Grove Rd, Spencer, TN 38585

  SELLING AT PUBLIC AUCTION SATURDAY, AUGUST 15TH @ 10AM. SELLING IN TWO TRACTS. Beautiful views! Water and Septic Available. Some concrete pads. Fiber available. This property is full of possibilities. Build that new home or use for recreation. This property has been carefully surveyed into two 5+/- acre tracts! Buy 1 or buy 2 you don't want to miss this opportunity.

  Kirby Williams Donald Hillis Realty & Auction

  1752 Pine Grove Rd, Spencer, TN 38585
• 

  

  /36

  $240,000

  • Land
  • 24.53 Acres
  • $9,784 per Acre

  000 Camp Creek Rd, Spencer, TN 38585

  This property feature plenty of building spots ,fenced in the front and along side, access to public water ,fiber, seasonal creek and access to the 2 large lakes an equestrian facility, horse trails and the property has many trails cut through it.There is a store also located not far from these lots. Property has restrictions to keep up property values and appearances.There are also 2 tracts

  Greg Barkley Fall Creek Falls Realty LLC

  

  000 Camp Creek Rd, Spencer, TN 38585
• 

  

  /8

  $68,929

  $6K PRICE DROP

  • Land
  • 6.1 Acres
  • $11,300 per Acre

  0 Horseshoe Dr Unit 1303546, Spencer, TN 38585

  Located in the desirable Hawks Bluff community and just minutes from the breathtaking Fall Creek Falls State Park, this beautiful 6.1-acre level tract offers the perfect blend of privacy, nature, and convenience. With abundant usable land, the property provides an excellent opportunity to build your dream home, weekend retreat, or forever residence without sacrificing seclusion. Electric and

  Heather Skender-Newton Skender-Newton Realty

  0 Horseshoe Dr Unit 1303546, Spencer, TN 38585
• 

  

  /6

  $13,900

  • Land
  • 1.01 Acres
  • $13,762 per Acre

  0 Hickory Nut Tr Unit 1343227, Spencer, TN 38585

  Discover the peace and beauty of Hawks Bluff! This 1.01-acre lot offers a wonderful opportunity to live your Tennessee dreams in a quiet, wooded mountain community in Spencer. Enjoy the privacy and natural setting Van Buren County is known for, with mild restrictions in place to help protect your investment. Hawks Bluff is conveniently located near Fall Creek Falls State Park, where waterfalls,

  David Eldridge The Real Estate Collective

  0 Hickory Nut Tr Unit 1343227, Spencer, TN 38585
• 

  

  /7

  $38,000

  • Land
  • 4.23 Acres
  • $8,983 per Acre

  Lot 254 Buck Cir, Spencer, TN 38585

  4.23 ACRES! Lot #254 in the gated community of Long Branch Lakes at Fall Creek Falls is the home site you've been searching for. Nice level lot with mature hardwoods, underground electricity, public water, and fiber optic internet available. You will need to install a septic system. Horse lovers will enjoy over 25 miles of hiking/riding trails, and the riding arena located in the impressive

  Melissa Harmon RE/MAX Finest

  Lot 254 Buck Cir, Spencer, TN 38585
• 

  

  /34

  $239,900

  • 3 Beds
  • 1.5 Baths
  • 1,660 Sq Ft

  266 Sparta St, Spencer, TN 38585

  Unlock the potential of this charming home and make it your own! Featuring 3 bedrooms and 1.5 baths, this inviting property offers a spacious living room and a generous dining area, perfect for everyday living and entertaining. With approximately 1,660 square feet of main-level living space (per tax records) and an additional 1,564 square feet of unfinished basement, there’s plenty of room to

  Leah Edwards StillWater Realty & Auction

  266 Sparta St, Spencer, TN 38585
• 

  

  /44

  $360,000

  $296K PRICE INCREASE

  • Land
  • 36.23 Acres
  • $9,937 per Acre

  00 Camp Creek Rd, Spencer, TN 38585

  This property feature plenty of building spots ,fenced in the front and along side, access to public water ,fiber, seasonal creek and access to the 2 large lakes an equestrian facility, horse trails and the property has many trails cut through it. There is a store also located not far from these lots. Property has restrictions to keep up property values and appearances. This is 3 lots you can buy

  Greg Barkley Fall Creek Falls Realty LLC

  

  00 Camp Creek Rd, Spencer, TN 38585
• 

  

  /9

  $53,000

  • Land
  • 6.05 Acres
  • $8,760 per Acre

  6.05 AC Saddle Ln, Spencer, TN 38585

  6.05 ACRES! Lot #46 is nestled in the gated community of Long Branch Lakes at Fall Creek Falls. Nice level home site with mature hardwoods, underground electricity is on site, fiber optic internet is available. Well and septic are needed. Saddle Lane is located near the impressive Equestrian Center. Horse lovers will enjoy over 25 miles of hiking/riding trails, and the riding arena. Long Branch

  Melissa Harmon RE/MAX Finest

  6.05 AC Saddle Ln, Spencer, TN 38585
• 

  

  /30

  $319,900

  $10K PRICE DROP

  • 2 Beds
  • 2 Baths
  • 1,146 Sq Ft

  101 Meadowview Ln, Spencer, TN 38585

  Nestled amidst the vibrant green expanses of a serene horse pasture, this cabin promises an idyllic escape in the heart of nature. Thoughtfully designed with a rustic aesthetic, this cabin offers two cozy bedrooms and two well-appointed bathrooms, making it an ideal retreat for both family vacations and intimate getaways. The spacious covered porch provides a perfect vantage point for

  Gina Knight RE/MAX Finest

  101 Meadowview Ln, Spencer, TN 38585
• 

  /2

  $16,500

  $6K PRICE DROP

  • Land
  • 2.2 Acres
  • $7,500 per Acre

  0 Branch Creek Rd Unit 1335279, Spencer, TN 38585

  Nice large lot conveniently located near Fall Creek Falls state park. This 2.2-acre lot that backs up to Pine Branch Creek. A perfect place if you are wanting to build your dream home in the country of Tennessee! Buyer to verify all information before making an informed offer.

  Shawndrese Kendzie eXp Realty, LLC

  0 Branch Creek Rd Unit 1335279, Spencer, TN 38585
• 

  

  /31

  $99,000

  • Land
  • 9.75 Acres
  • $10,154 per Acre

  0 Meadow Ln Unit RTC3112014, Spencer, TN 38585

  9.75 surveyed ac in the country well known Hawks Bluffs Estate. Seclusion, privacy, mnt views, wildlife {dear, bear, fox, turkey and much more}. The estates amenities offer walking trails, horse trails, picnic areas, playground, bluff site sitting areas and seclusion sites). Underground electric, fiber optics & telephone are available (not connected). Modest restrictions – on file & docs. Easy

  Debra Dodd No 1 Quality Realty

  0 Meadow Ln Unit RTC3112014, Spencer, TN 38585
• 

  

  /6

  $40,000

  • Land
  • 4.3 Acres
  • $9,302 per Acre

  4.3 Acre Saddle Ln, Spencer, TN 38585

  4.3 ACRES! Lot #49 is a gorgeous level corner lot nestled in the gated community of Long Branch Lakes at Fall Creek Falls. Adjacent lots 48 and 47 for sale as well! combine lots to create your home, pasture and barn! This parcel lays well, has mature hardwoods, underground electricity on site, and fiber optic internet is available. Well and septic are needed. Saddle Lane is located near the

  Melissa Harmon RE/MAX Finest

  4.3 Acre Saddle Ln, Spencer, TN 38585
• 

  /2

  $79,500

  • Land
  • 1.22 Acres
  • $65,164 per Acre

  28 Walter Ln, Spencer, TN 38585

  Prime location! Road frontage on Highway 111 and also on Pinegrove Road and on Walter lane . Two lots totaling 1.87acres . The Lots have two separate addresses of 28 Walter Lane and 33 Walter Lane.

  Lori Anderson Prater Realty & Auction

  28 Walter Ln, Spencer, TN 38585
• 

  

  /5

  $37,500

  $8K PRICE DROP

  • Land
  • 2.11 Acres
  • $17,773 per Acre

  2.11 ac Hillis Cemetery Rd, Spencer, TN 38585

  Beautiful 2.11 acre wooded, corner lot with over 600 ft of road frontage, offering privacy & flexibility for a future homesite. Gently sloping to flat topography makes this property well-suited for a variety of building options. Located on a county-maintained road in Hawks Bluff subdivision, just a short drive to Spencer while still offering a peaceful, rural setting. Utilities available at the

  Sabrina Brazle Provision Realty Group

  2.11 ac Hillis Cemetery Rd, Spencer, TN 38585
• 

  

  /45

  $599,000

  $391K PRICE DROP

  • Land
  • 37 Acres
  • $16,189 per Acre

  235 Sparta St, Spencer, TN 38585

  Beautiful, Serene Middle Tennessee Mountain Property For Sale! 38 Acres Non-Restricted Mountaintop Property. Property is a Brow Lot with a Creek. 5 Acres on Top of Brow and 33 Acres down by the Wrap Around Creek. Great investor potential, whether you choose to keep it as your primary residence or utilize it for a tiny home community, AIRBNB's, hunting cabins, at-home business or multi-family

  Jim Stoneburner Honors Real Estate Services LLC

  235 Sparta St, Spencer, TN 38585
• 

  

  /53

  $20,000

  • Land
  • 1.6 Acres
  • $12,500 per Acre

  0 Lot 49 Shale Trail Unit RTC3006661, Spencer, TN 38585

  Are you looking for a unique community of neighbors? Are you a hiker looking for trails that are close to home? This wooded lot would be great for a new build for your summer or weekend getaway. Amenities include tennis, basketball and volleyball courts just next door if you are an adult who is looking for an active lifestyle. Take a dip in the community swimming pool or just hang out with

  Elijah Castelli Elevate Real Estate

  0 Lot 49 Shale Trail Unit RTC3006661, Spencer, TN 38585
• 

  

  /6

  $13,900

  • Land
  • 1.01 Acres
  • $13,762 per Acre

  0 Hickory Nut Trail Unit 244825, Spencer, TN 38585

  Discover the peace and beauty of Hawks Bluff! This 1.01-acre lot offers a wonderful opportunity to live your Tennessee dreams in a quiet, wooded mountain community in Spencer. Enjoy the privacy and natural setting Van Buren County is known for, with mild restrictions in place to help protect your investment. Hawks Bluff is conveniently located near Fall Creek Falls State Park, where waterfalls,

  David Eldridge The Real Estate Collective

  0 Hickory Nut Trail Unit 244825, Spencer, TN 38585
• 

  

  /15

  $38,000

  • Land
  • 1.03 Acres
  • $36,893 per Acre

  0 Hidden River Ln Unit 1344139, Spencer, TN 38585

  Serene Acre- Discover your perfect homesite in the Hidden River Subdivision, a tranquil and private community offering peace and privacy. This acre lot provides the ideal canvas to build your dream home, surrounded by natural beauty and a welcoming neighborhood atmosphere. Utilities are conveniently available at the property line, ready to support your future plans (buyer to verify all

  Shevy McCarthy Re/Max One

  0 Hidden River Ln Unit 1344139, Spencer, TN 38585
• 

  

  /8

  $29,500

  • Land
  • 2.93 Acres
  • $10,068 per Acre

  Lot 238 Long Branch Rd, Spencer, TN 38585

  2.93 Acres! This home site is a nice blend of pasture and hardwood trees with electricity, public water and fiber internet available at the road. A septic system will be needed. Lot #238 is a gorgeous level buildable lot nestled in the gated community of Long Branch Lakes at Fall Creek Falls. Adjacent lots on either side are for sale as well! Combine lots to create your home, pasture and barn in

  Melissa Harmon RE/MAX Finest

  Lot 238 Long Branch Rd, Spencer, TN 38585
• 

  /2

  $220,000

  • Land
  • 16.06 Acres
  • $13,699 per Acre

  Lot #49 Topside Dr, Spencer, TN 38585

  16.06 Acres of Tennessee Paradise in The Ranches at Willow Ridge! Escape to the beauty of Van Buren County with this stunning 16.06-acre property featuring mountain views, mature trees, abundant wildlife, and multiple buildable sites. Whether you're looking to build your dream home, create a private retreat, establish a homestead, or invest in short-term rentals, this property offers endless

  Jessica Blair First Realty Company

  Lot #49 Topside Dr, Spencer, TN 38585
• 

  

  /7

  $59,900

  • Land
  • 4.2 Acres
  • $14,262 per Acre

  0 Long Branch Rd Unit RTC3243579, Spencer, TN 38585

  Approx. 4.2 Acres Across Two Parcels (APN #036 12100 & 036 12200). Located on Long Branch Road within the desirable Long Branch Lakes HOA community, the property offers electric and water available at the road, while a septic system would be needed. The front portion provides a spacious open homesite area while the wooded rear section adds privacy and character, with multiple potential building

  Daniel Demers Sell Your Home Services, LLC

  0 Long Branch Rd Unit RTC3243579, Spencer, TN 38585
• 

  

  /5

  $429,998

  • Land
  • 158.45 Acres
  • $2,714 per Acre

  158 AC Lick Hollow Branch, Spencer, TN 38585

  Amazing opportunity awaits with this rare 150 acre tract, once envisioned as Spencer Mountain Village, now offering endless potential for your vision! Whether you're an investor seeking prime development land or a dreamer ready to create the ultimate homestead, this property delivers. With utilities available at the road, you'll have the foundation to build your dream home, a community, or a

  Elijah Castelli Elevate Real Estate

  158 AC Lick Hollow Branch, Spencer, TN 38585
• 

  

  /55

  $480,000

  $5K PRICE DROP

  • 3 Beds
  • 4 Baths
  • 2,738 Sq Ft

  160 Eagles Bluff Cir, Spencer, TN 38585

  Custom-built in 2008, this 3 bedroom, 2 full + 2 half bath home offers 2,738 sq ft in a private wooded setting with breathtaking bluff views overlooking Fall Creek Falls Nature Preserve. Set on approximately 0.79 acres, the property features multiple outdoor living spaces including a screened-in porch and decks designed to take in the scenery. Inside, you’ll find vaulted ceilings, a spacious

  Chena Morris The Real Estate Collective - Cookeville

  160 Eagles Bluff Cir, Spencer, TN 38585
• 

  

  /6

  $30,000

  • Land
  • 3.04 Acres
  • $9,868 per Acre

  Lot 241 Long Branch Rd, Spencer, TN 38585

  3.04 Acre homesite! This lot is a nice blend of pasture and hardwood trees with electricity, public water and fiber internet available at the road. A septic system will be needed. Lot #241 is a gorgeous level buildable lot nestled in the gated community of Long Branch Lakes at Fall Creek Falls. Adjacent lots on either side are for sale as well! Combine lots to create your home, pasture and barn

  Melissa Harmon RE/MAX Finest

  Lot 241 Long Branch Rd, Spencer, TN 38585
• 

  

  /9

  $79,000

  • Land
  • 2.23 Acres
  • $35,426 per Acre

  Lot 136 Camp Creek Cir, Spencer, TN 38585

  Lake Frontage! Come build your dream home on this 2.23 acre wooded lot nestled in the heart of Long Branch Lakes—one of the South's most beloved private, gated equestrian communities. With peaceful views and direct access to a certified Bill Dance Signature Lake, this is a rare opportunity to own lakefront property where you can fish, kayak, or simply relax and enjoy God's creation all around

  Ed Metcalf 1 Source Realty Pros Crossville

  Lot 136 Camp Creek Cir, Spencer, TN 38585

Showing Results 81 - 120, Page 3 of 5