1,445

St. Clair County IL Homes for Sale

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  • /39

    $225,000

    • 3 Beds
    • 2 Baths
    • 1,522 Sq Ft

    501 St John Dr, Belleville, IL 62221

    Recently updated 3-bedroom, 2-bath home in desirable Shiloh featuring solar panels for enhanced energy efficiency. The home offers two spacious living areas, including a cozy family room with a fireplace and a bright living room highlighted by a large picture window. The kitchen comes fully equipped with a range, microwave, dishwasher, and refrigerator, and the sale also includes an in-unit

    Scott Miller SGM Realty, LLC

    501 St John Dr, Belleville, IL 62221
  • /41

    $458,900

    $6K PRICE DROP Under Contract
    • 4 Beds
    • 2.5 Baths
    • 2,801 Sq Ft

    1120 Red Hawk Ridge Ln, O Fallon, IL 62269

    WELCOME HOME TO THIS BEAUTIFULLY MAINTAINED ONE-OWNER HOME IN WINDERMIRE SUBDIVISION! Situated on a private lot of over 1/2 acre, this floor plan offers a spacious layout and still has room to grow! Recent updates include fresh paint throughout, a NEW roof (2025), NEW shutters and siding. Inside you will find flexible living spaces including a formal dining room, office/den and living room with

    Janell Schmittling Homes By Janell

    1120 Red Hawk Ridge Ln, O Fallon, IL 62269
  • /2

    $195,000

    $10K PRICE INCREASE Under Contract
    • Land
    • 5 Acres
    • $39,000 per Acre

    0 Timber Rock Lot 26 Unit MIS25078244, Columbia, IL 62236

    Welcome to TIMBER ROCK ESTATES. This beautiful, one-of-a-kind, 135-acre subdivision will offer 80 spectacular lots ranging in size from approximately 1/2 acre up to 5-acre estate lots. Careful planning has created a perfect setting for both DETACHED VILLAS as well as LUXURY CUSTOM HOMES on the larger estate lots. Lot amenities include; COLUMBIA fire & police, public water and public sewer. Bonus

    Mandy McGuire Keller Williams Pinnacle

    0 Timber Rock Lot 26 Unit MIS25078244, Columbia, IL 62236
  • /11

    $49,900

    $10K PRICE DROP
    • 1 Bed
    • 2 Baths

    421 E A St, Belleville, IL 62220

    Amazing investment opportunity! This duplex features two 1 bedroom, 1 bathroom units, offering strong income potential. One unit is already occupied by a long-term tenant paying $625 per month, providing immediate cash flow. Water, sewer, and trash included in rent, simplifying utility management. New roof 2024. Ideal for investors or owner-occupants looking to offset expenses. Convenient layout

    Dana Lewis Live Laugh Illinois Real Estate Group

    421 E A St, Belleville, IL 62220
  • /2

    $19,500

    $2K PRICE INCREASE
    • Land
    • 4,791 Sq Ft
    • $177,273 per Acre

    3509 Fox Valley Ln, Belleville, IL 62220

    Mostly level duplex lot within the Fox Valley Subdivision of Belleville, IL are ready for the builder of your choosing! Any duplex built will need to comply with a 1,200 SF minimum requirement per side. All public utilities are available on each lot however, no tap on fees have been paid by the current owner.

    Adam Jokisch RE/MAX All Star Advantage

    3509 Fox Valley Ln, Belleville, IL 62220
  • /87

    $850,000

    Under Contract
    • 5 Beds
    • 6 Baths
    • 6,347 Sq Ft

    137 Longmeade Dr, O Fallon, IL 62269

    WELCOME TO THIS TRULY EXCEPTIONAL CUSTOM 1 1/2 STORY HOME NESTLED ON A LAKE LOT IN THE SOUGHT-AFTER STEEPLECHASE SUBDIVISION! This one-owner home offers a grand presence from the moment you arrive with a circle drive and timeless curb appeal. Inside you will find a two-story great room with floor to ceiling windows and stunning views of the lake and fountain! The main level features a spacious

    Janell Schmittling Homes By Janell

    137 Longmeade Dr, O Fallon, IL 62269
  • /2

    $74,000

    $5K PRICE DROP
    • Land
    • 1.5 Acres
    • $49,333 per Acre

    8310 Old Saint Louis Rd, Belleville, IL 62223

    TWO HIGHWAY FRONTAGE LOTS - 1.5 ACRES +/- COMBINED - Approximately 275 feet from the intersection of Rt 13 and Eiler Road - GREAT LOCATION with HIGH TRAFFIC - UTILITIES AVAILABLE include: electric, water, public sewer and gas - ENDLESS POSSIBILITIES!

    Todd Favre RE/MAX Preferred

    8310 Old Saint Louis Rd, Belleville, IL 62223
  • /2

    $99,900

    $20K PRICE DROP Under Contract
    • 3 Beds
    • 1.5 Baths
    • 1,713 Sq Ft

    112 N 36th St, Belleville, IL 62226

    Checkout this Spacious 1 1/2 story home with over 1700 square feet. The main level has high ceilings and hard wood floors that were revealed when the carpet was pulled up. The entry foyer has a double closet. The large Living room flows into the Dining room. The Eat-in Kitchen has lots of cabinetry and ready for a gas stove. The main level also includes a spacious Bedroom, full Bathroom and an

    Claire Leopold Nester Realty

    112 N 36th St, Belleville, IL 62226
  • /18

    $160,000

    • 3 Beds
    • 1 Bath
    • 1,020 Sq Ft

    4 Linda Vista Dr, Belleville, IL 62221

    This amazing home has hard wood floors thru-out. Its conveniently located with easy access and has lots of trees for privacy. Nice sized lot includes 10 x 10 storage shed. The living room is generously sized. All bedrooms have wood flooring and nice natural light. The dine in kitchen includes all appliances for your convenience. There is a main floor laundry with a window tucked next to the

    Eric Hubbard McMahan Realty Group

    4 Linda Vista Dr, Belleville, IL 62221
  • /28

    $270,000

    $10K PRICE INCREASE Under Contract
    • 2 Beds
    • 2 Baths
    • 1,542 Sq Ft

    3245 Jared Dr, Belleville, IL 62226

    Up to code and move in ready, this 2 bed 2 bath villa has newer LVP flooring in the laundry room, kitchen, breakfast area and Primary Bath and brand NEW carpeting in the Living Room/Dining Room and both bedrooms. The villa has all new paint. Kitchen has a vaulted ceiling, 42” cabinets, dishwasher, microwave and electric range and recessed lighting. Breakfast area opens to a large, covered patio

    Kay MacIntire Coldwell Banker Brown Realtors

    3245 Jared Dr, Belleville, IL 62226
  • /68

    $579,900

    Under Contract
    • 3 Beds
    • 3 Baths
    • 3,245 Sq Ft

    1534 Chesterfield Ct, Belleville, IL 62226

    Welcome to 1534 Chesterfield Court in Swansea, where exceptional indoor living meets your own private backyard retreat on a beautifully landscaped 1.16-acre lot. Nestled on a quiet cul-de-sac, this stunning walkout ranch offers the perfect blend of luxury, comfort, and functionality. From the moment you arrive, you’ll appreciate the mature trees, manicured landscaping, and inviting curb appeal.

    Brooke Mitchell Keller Williams Pinnacle

    1534 Chesterfield Ct, Belleville, IL 62226
  • /43

    $259,000

    • 3 Beds
    • 2 Baths
    • 2,300 Sq Ft

    526 State St, Dupo, IL 62239

    Prepare to be impressed! Originally built in 1923, this home has been completely taken down to the studs and thoughtfully rebuilt — delivering the charm of a classic home with the peace of mind of essentially new construction. With all updates completed in 2024–2025, including HVAC, Energy Star appliances, select windows and doors, this property is truly move-in ready.Soaring ceilings and

    Linda Frierdich Century 21 Advantage

    526 State St, Dupo, IL 62239
  • /4

    $275,000

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

    150 Starlight Dr, Belleville, IL 62226

    Build Your Dream Home in Highland Hills! Discover the perfect place to build your dream home with beautiful homesites ranging up to 11+/- acres in the desirable Highland Hills Subdivision. These spacious lots offer the ideal combination of peaceful country living and a convenient location, providing plenty of room for your custom home, outdoor entertaining, and all the space you've been dreaming

    Jim Vonderhaar Berkshire Hathaway HomeServices Select Properties

    150 Starlight Dr, Belleville, IL 62226
  • /32

    $324,900

    • 4 Beds
    • 2.5 Baths
    • 2,012 Sq Ft

    241 Brookmanor Ct, Belleville, IL 62221

    Welcome to 241 Brookmanor Court! Tucked away on a quiet cul-de-sac, this spacious 4-bedroom, 2.5-bath two-story home offers comfort, style, and room to grow.Step inside to a beautiful two-story foyer and fresh interior updates throughout, including new paint, an updated staircase, and new carpeting throughout the upper level, all completed in 2026. The kitchen features stunning new granite

    Kyleigh Wellman Hughes Group LLC

    241 Brookmanor Ct, Belleville, IL 62221
  • /10

    $89,000

    • 1 Bed
    • 1 Bath
    • 640 Sq Ft

    251 Eagle Ridge, O Fallon, IL 62269

    Attractive one-bedroom condominium located in the established Eagle Ridge Condominiums community in O'Fallon. This residence features a comfortable layout with a fireplace and access to desirable community amenities including a pool and clubhouse. The HOA manages exterior building maintenance (excluding windows and doors), helping minimize owner maintenance responsibilities. Many roofs,

    Kevin Beck Kunkel Wittenauer Group, Inc

    251 Eagle Ridge, O Fallon, IL 62269
  • /19

    $205,000

    $5K PRICE DROP Under Contract
    • 3 Beds
    • 2 Baths
    • 2,016 Sq Ft

    400 Southwind Dr, Belleville, IL 62221

    Take advantage of the recent price improvement on this adorable home with a spacious and bright living room! The Living room features built in bookcases and a see-through fireplace that separates the living room and dining room. Spacious kitchen features a large island with built in oven, vaulted ceiling and skylights. Brick walls in the living room and kitchen are a unique feature which adds to

    Daniel Voelker Real Broker LLC

    400 Southwind Dr, Belleville, IL 62221
  • /33

    $316,000

    $26K PRICE DROP Pending
    • 3 Beds
    • 3.5 Baths
    • 2,328 Sq Ft

    918 Columbia Ave, Fairview Heights, IL 62208

    PRICE IMPROVEMENT & NEW ROOF! This home is perfectly located just minutes from shopping and Scott Air Force Base, in a highly desirable Fairview Heights neighborhood. This 3-bedroom, 3.5-bath home offers both space and functionality for everyday living. The main level features a welcoming living room, dedicated office, formal dining room, and an eat-in kitchen—perfect for both daily meals and

    Patrice Tucker Keller Williams Pinnacle

    918 Columbia Ave, Fairview Heights, IL 62208
  • /2

    $90,000

    Pending
    • 4 Beds
    • 1 Bath
    • 1,350 Sq Ft

    1110 Saint Michael Dr, East Saint Louis, IL 62206

    Spacious 4-bedroom home offering over 1,300 square feet of living space! Features a large living room, an eat-in kitchen, one full bath, and a 1-car attached garage. Plenty of space and potential to make it your own! Great opportunity for homeowners or investors alike!

    Latoya Lancaster Keller Williams Marquee

    1110 Saint Michael Dr, East Saint Louis, IL 62206
  • /2

    $359,900

    New Construction
    • 4 Beds
    • 2.5 Baths
    • 2,069 Sq Ft

    9157 Basswood Dr, Fairview Heights, IL 62208

    Welcome to your dream home! Introducing the Shinnecock floor plan. This beautiful 2-story house boasts 4 spacious bedrooms and 2.5 well-appointed bathrooms. The open floor plan invites you in, creating a seamless flow from room to room, perfect for both everyday living and entertaining. The kitchen, dining, and living areas blend together, creating a warm and inviting space for family and friends

    Paula Peppers Re/Max Signature Properties

    9157 Basswood Dr, Fairview Heights, IL 62208
  • /12

    $500,000

    • Land
    • 1.94 Acres
    • $257,732 per Acre

    530 W State St, O'Fallon, IL 62269

    Discover the potential of this **1.94-acre commercial parcel zoned B-1 (Community Business District)** offering excellent flexibility for a wide range of retail, professional, service, and commercial development opportunities. With nearly two acres of land, this site provides ample room for building, parking, access points, and potential multi-tenant or mixed-use concepts, making it an attractive

    Courtney Marsh Red Door Realty Group Inc

    530 W State St, O'Fallon, IL 62269
  • /2

    $289,900

    New Construction
    • 3 Beds
    • 2.5 Baths
    • 1,886 Sq Ft

    1007 Jean Marie St, Saint Libory, IL 62282

    The stunning 3-bedroom, 2.5-bath Streamsong floor plan effortlessly combines comfort and elegance. The open floor plan creates a seamless flow for both entertaining and daily living. The Flex room is a versatile space can be tailored to your needs, whether you require a home office, a workout area, or a cozy den for movie nights. The heart of the home is the spacious living area, which

    Paula Peppers Re/Max Signature Properties

    1007 Jean Marie St, Saint Libory, IL 62282
  • /45

    $450,000

    • 4 Beds
    • 3 Baths
    • 4,086 Sq Ft

    442 Schwarz Rd, O Fallon, IL 62269

    Welcome home to this beautifully designed ranch featuring an open floor plan filled with natural light. The spacious great room boasts vaulted ceilings, dormer windows, beautiful wood flooring, and wood burning fireplace creating a warm and inviting atmosphere. The kitchen is equipped with stainless steel appliances, island and offers plenty of space for meal preparation and entertaining. The

    Linda Linder Strano & Associates

    442 Schwarz Rd, O Fallon, IL 62269
  • /7

    $25,000

    • Land
    • 10,890 Sq Ft
    • $100,000 per Acre

    817 Mariana Ct, New Athens, IL 62264

    Build your dream home in New Athens! These flat, buildable lots offer the perfect setting with plenty of space to bring your vision to life. With no known restrictions, you have the flexibility to bring your own builder and create exactly what you’ve been looking for. Multiple lots available—purchase one or combine parcels to create a larger homesite for added privacy and space. (Buyers to verify

    Brittney Litteken Homes By Janell

    817 Mariana Ct, New Athens, IL 62264
  • /2

    $80,000

    • Land
    • 10,890 Sq Ft
    • $320,000 per Acre

    909 Bach Dr, Millstadt, IL 62260

    Discover your dream home site on this .25-acre lot in the highly sought-after Stone Bridge Estates in Millstadt! This prestigious community boasts a striking entrance bridge, spacious lots, and the convenience of city water, sewer, gas, and electric (with some underground utilities). Enjoy upscale living at an affordable price within the Millstadt School District. Build your vision with JL

    Rebecca DeMond RE/MAX Preferred

    909 Bach Dr, Millstadt, IL 62260
  • /6

    $38,000

    • Land
    • 22,651 Sq Ft
    • $73,077 per Acre

    2803 Scenic Lake Dr, New Athens, IL 62264

    Build your dream home on this spacious, level 0.50-acre lot in the beautiful Scenic Lake Estates community! Located at 2803 Scenic Lake Dr, New Athens, IL (Lot 30-5, Parcel #18-34.0-403-003), this prime homesite offers all utilities available at the street, making it ready for your new construction plans. Enjoy the charm of a quiet, well-maintained neighborhood featuring street lights and located

    Jason Buss RE/MAX Preferred

    2803 Scenic Lake Dr, New Athens, IL 62264
  • /69

    $650,000

    $25K PRICE DROP
    • 4 Beds
    • 4.5 Baths
    • 4,573 Sq Ft

    3407 Whistling Cove, Swansea, IL 62226

    Prepare to fall in love with this stunning, custom Fulford-built masterpiece nestled on a peaceful, highly coveted cul-de-sac in Woodfield Lake Estates. Boasting over 4,500 sqft =/-, 4 bedrooms, 4.5 bathrooms, and absolute privacy with no backyard neighbors, this turn-key residence has been extensively updated throughout 2024 thru 2026. Main Level: Step inside through a dramatic two-story foyer

    Rob Cole Judy Dempcy Homes Powered by KW Pinnacle

    3407 Whistling Cove, Swansea, IL 62226
  • /6

    $33,500

    • 4 Beds
    • 2.5 Baths
    • 1,400 Sq Ft

    528 N 22nd St, East Saint Louis, IL 62205

    Solid 4-bedroom home featuring a double fenced yard, front and back porches, a concrete block storage shed, and a 12x14 gazebo in the backyard—offering plenty of outdoor space and functionality. The property last sold in 2015 for $45,000. This property presents a strong opportunity for investors or buyers looking for their next project. The property is being offered as a cash sale only, with no

    Hoa Nguyen Worth Clark Realty

    528 N 22nd St, East Saint Louis, IL 62205
  • /53

    $695,000

    Pending
    • 4 Beds
    • 3 Baths
    • 4,094 Sq Ft

    607 Laura Ct W, Columbia, IL 62236

    Ready to move in and make this home yours... beautiful split ranch home in The Village of Wernings subdivision on the North side of Columbia! Beautiful curb appeal with lush landscaping and 3 sides of Brick, this home has it all. Immediately fall in love with the open concept main living space that features soaring vaulted ceilings, great room with double windows flanking the direct vent gas

    Mandy McGuire Keller Williams Pinnacle

    607 Laura Ct W, Columbia, IL 62236
  • /39

    $120,000

    • 3 Beds
    • 1 Bath
    • 1,056 Sq Ft

    312 E Ofallon Dr, Caseyville, IL 62232

    Opportunity awaits with this spacious ranch situated on a large, deep lot! This home needs updating and repairs but offers great potential for an investor, rehab project or buyer looking to build sweat equity. With 3 bedrooms, 2 full baths and plenty of interior and exterior space, there’s a solid foundation to make this property your own. The main floor features a living room, kitchen, three

    Rachel Helbig Burkarth Coldwell Banker Brown Realtors

    312 E Ofallon Dr, Caseyville, IL 62232
  • /23

    $255,000

    Under Contract
    • 3 Beds
    • 2 Baths
    • 1,482 Sq Ft

    142 El Cerrito Dr, Belleville, IL 62221

    Welcome to this well-maintained ranch with an inviting open floor plan and an in-ground pool! The spacious living room features a cozy gas fireplace and opens to the eat-in kitchen with quartz countertops, pull-out lower cabinet shelves, a breakfast bar, and stainless steel appliances.The primary suite offers a walk-in closet and private full bath, while two additional bedrooms and a second

    Hoa Nguyen Worth Clark Realty

    142 El Cerrito Dr, Belleville, IL 62221
  • /15

    $576,433

    • Land
    • 18.07 Acres
    • $31,900 per Acre

    0 N Green Mount Rd, Swansea, IL 62221

    18 Acres Zoned R-3 — Prime Development Opportunity in Shiloh, ILDiscover the potential of this 18-acre parcel in a rapidly growing corridor near Scott Air Force Base and I-64. Zoned R-3 Residential, this property supports subdivision into 12,500+ sq ft lots, or larger, making it an ideal site for a future neighborhood, estate lots, or a small residential development. Backed by mature woods

    Steven Bennett RE/MAX Signature Properties

    0 N Green Mount Rd, Swansea, IL 62221
  • /8

    $15,500

    • 4 Beds
    • 2 Baths
    • 1,920 Sq Ft

    472 N 25th St, East Saint Louis, IL 62205

    Huge Price Drop! Contractor's Dream! This all-brick duplex offers incredible potential rental income. Located just 10 minutes from downtown St. Louis, it’s ideally situated near a bustling shopping center, convenient bus stop, and easy access to the expressway for seamless commuting. With loads of potential for both immediate cash flow and long-term growth, this property is perfect for savvy

    James Syed Prime Real Estate and Property Management

    472 N 25th St, East Saint Louis, IL 62205
  • /15

    $62,000

    • 3 Beds
    • 2 Baths
    • 1,321 Sq Ft

    5204 Ida Dr, Belleville, IL 62223

    Enjoy low-maintenance living in this well-kept 55+ community in the heart of Belleville’s Dutch Hollow subdivision. This nicely maintained 3-bedroom, 2 full bath manufactured home offers comfortable one-level living with its own 1-car garage plus an additional 1-car carport for extra covered parking. Located on homesite #5204I, this home features an easy-care exterior and a thoughtful layout that

    Jared Kues Kues Bros. Realty, Ltd.

    5204 Ida Dr, Belleville, IL 62223
  • /2

    $279,900

    New Construction
    • 3 Beds
    • 2 Baths
    • 1,481 Sq Ft

    620 Kate Ct, Saint Libory, IL 62282

    Welcome to this charming 3-bedroom, 2-bathroom Cypress floor plan. This ranch-style home perfectly blends comfort and convenience. As you step through the foyer, you're greeted by a spacious great room that's perfect for family gatherings or cozy movie nights. The open floor plan seamlessly connects the great room to a well-equipped kitchen, complete with ample counter space and pantry. The

    Paula Peppers Re/Max Signature Properties

    620 Kate Ct, Saint Libory, IL 62282
  • /37

    $189,900

    $9K PRICE DROP
    • 1,530 Sq Ft

    1639 N Charles St, Belleville, IL 62221

    Turnkey duplex with separate utilities, fully separated 6-foot privacy-fenced yards, & major system updates completed in 2024 & 2025. Each side features an oversized upper-level loft bedroom, main-floor pass-through, living room, kitchen, & bath. Flexibility for multiple investment strategies, including house hacking. Projected market rent is approximately $1,200 per unit ($2,400 per month

    Victoria Martin Century 21 Bailey & Company

    1639 N Charles St, Belleville, IL 62221
  • /36

    $149,900

    $15K PRICE INCREASE Pending
    • 2 Beds
    • 1 Bath
    • 952 Sq Ft

    325 S 52nd St, Belleville, IL 62226

    Check out this cute, remodeled home situated on a large lot, with a fenced-in backyard! With this convenient location you'll be minutes from SAFB, major highways, shopping, dining, and more. Enjoy peaceful lake views from across the street and relax on the covered patio while taking in both beautiful sunrises and sunsets. Inside, you'll find hardwood floors that add warmth and character

    Samuel Row Keller Williams Pinnacle

    325 S 52nd St, Belleville, IL 62226
  • /10

    $389,900

    $5K PRICE DROP
    • 3 Beds
    • 2 Baths
    • 1,568 Sq Ft

    4818 River Rock Ln, Smithton, IL 62285

    Beautifully maintained 3BR/2BA ranch in desirable Ledgestone Estates! Built in 2016, this move-in ready home is 1,568 sq ft of comfortable single-level living with an open, functional floor plan designed for both everyday living and entertaining. Situated on a spacious lot, the home features a fenced backyard and an impressive 700 sq ft concrete patio, creating the perfect outdoor space for

    Jeffrey Sklar Beycome Brokerage Realty LLC

    4818 River Rock Ln, Smithton, IL 62285
  • /3

    $52,500

    $1K PRICE DROP
    • Land
    • 19,166 Sq Ft
    • $119,318 per Acre

    74 Country Club Place, Belleville, IL 62223

    Last opportunity to own a lot in prestigious Country Club Place! This large, level lot is exactly what you are looking for to build your dream home! Situated with views of the golf course, it is the perfect spot! Only 20 minutes from St Louis, 20 minutes from Scott Air Force Base; this fantastic neighborhood is a hidden gem! Agent owned. Picture of home is for example only.

    Margaret Riley Nester Realty

    74 Country Club Place, Belleville, IL 62223
  • /73

    $408,900

    $11K PRICE DROP
    • 3 Beds
    • 2.5 Baths
    • 2,256 Sq Ft

    3406 Chippewa Dr, Belleville, IL 62221

    Minutes to Scott Air Force Base. Brick combo ranch located in the desirable Indian Springs, Shiloh area with O’Fallon high school. This open concept home has it all starting with the fact it was the premium Green Package, CF Vatterott Display home. They did not skimp. Escape to the 3 seasons room off of the gourmet Kitchen with huge center island, granite countertops, Maplewood cabinetry, pantry,

    Renee Estes Strano & Associates

    3406 Chippewa Dr, Belleville, IL 62221
  • /4

    $12,000

    • 3 Beds
    • 1.5 Baths
    • 1,536 Sq Ft

    1400 N 54th St, East Saint Louis, IL 62204

    This Property will be auctioned on Auction.com - please go to the website, register an account and submit your offer(s). Listed as "1400 N 54th St East Saint Louis, IL 62204" on Auction.com Estimated as 3BR/1.5BA with 1,536 total livable sq ft, comprised of 768 sq ft above grade and another 768 sq ft in the full basement on large 6,800 sq ft lot. Built 1927 w/ a full basement. Large lot provides

    Ryan Widerberg eXp Realty

    1400 N 54th St, East Saint Louis, IL 62204

Showing Results 521 - 560, Page 14 of 18

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