Stearns County MN Homes for Sale

• 

  

  

  /31

  $399,900

  • 4 Beds
  • 2 Baths
  • 2,188 Sq Ft

  1180 Deerberry Cir, Albany, MN 56307

  Brand New 4 Bedroom, 2 Bath Home with 3 Stall Garage, Completely Finished Featuring 2188 Sq. ft. in Desirable Highlands Development. Home will be finished in October and includes appliances, washer, dryer, lawn & landscaping. This is a great value for a finished brand new home with thoughtful design, quality construction and trendy finishes throughout.

  

  Matt Imdieke

  Central MN Realty LLC

  1180 Deerberry Cir, Albany, MN 56307
• 

  

  

  /46

  $575,000

  Open Sat 4PM - 6PM $75K PRICE DROP

  • 4 Beds
  • 3 Baths
  • 2,625 Sq Ft

  14315 County Road 159, Avon, MN 56310

  Wake up to breathtaking sunrises over Achman Lake and enjoy the peace and privacy of a setting that feels like your own private retreat. Ideally located between St. John's University in Collegeville and the city of Avon, this beautifully maintained 1½-story home offers over 2,500 finished square feet with 4 bedrooms and 3 bathrooms.The home features an oversized attached two-car garage with a

  Daniel Schaefer VoigtJohnson

  14315 County Road 159, Avon, MN 56310
• 

  

  

  /30

  $275,000

  • 4 Beds
  • 2 Baths
  • 2,020 Sq Ft

  629 2nd St S, Cold Spring, MN 56320

  Big, beautiful old house on a stately lot beside a ball field in a beautiful neighborhood, this classic home is ready to be your great love. Some spit. Some sweat. Some shine. It's a huge house on a huge lot surrounded by a Leave-it-to-Beaver episode of neighborhood awesome: parks, sidewalks, people running and walking and giving a wave because you look cool, too. That kid walking his dog with

  

  Aaron Trompeter

  A Trompeter Realty

  629 2nd St S, Cold Spring, MN 56320
• 

  

  

  /63

  $469,900

  $10K PRICE DROP

  • 5 Beds
  • 2 Baths
  • 2,247 Sq Ft

  4334 Cooper Ave S, Saint Cloud, MN 56301

  Freshly updated w/new carpet & vinyl flooring (2026), this unique multi-level home sits on nearly 4 acres just off Cooper Ave, perfectly blending city convenience with peaceful country living. Step inside to vaulted ceilings and rich hardwood floors. The main level features an open concept LR, Kit, & DR area that flows seamlessly out to a maintenance free deck. Upstairs, the primary BR incl a

  Maria Pivec Bridge Realty, LLC

  4334 Cooper Ave S, Saint Cloud, MN 56301
• 

  

  

  /48

  $460,000

  $15K PRICE DROP

  • 6 Beds
  • 2.5 Baths
  • 5,393 Sq Ft

  5708 Nightingale Ct, Saint Cloud, MN 56303

  Rare find: a 52'x32' indoor heated gym with 18.5' ceilings and full sport court steals the show. Updated 6BR/3BA home on .46 acres in a convenient location. The Kitchen features a large center island, updated stainless steel appliances, built-in storage & granite counters. Impressive, vaulted A-frame living room with in-floor heat, ceiling fan & abundant natural light. Fenced backyard, deck,

  

  Timothy Loso

  Central MN Realty LLC

  5708 Nightingale Ct, Saint Cloud, MN 56303
• 

  

  /11

  $556,500

  • 3 Beds
  • 2 Baths
  • 2,035 Sq Ft

  101 Schwinghammer Dr, Albany, MN 56307

  Welcome to your brand new executive patio home by D&E Custom Builders that will be built to the highest standards, ideally situated just minutes from Albany Golf Course and a short drive from Downtown Albany. This thoughtfully designed, one-level home offers 2,035 square feet of main-level living, anchored by an open-concept Great Room with an electric fireplace and vaulted ceilings that carry

  Neil Theisen Central MN Realty LLC

  101 Schwinghammer Dr, Albany, MN 56307
• 

  

  /26

  $299,900

  $5K PRICE DROP

  • 4 Beds
  • 2 Baths
  • 1,896 Sq Ft

  1241 Connecticut Ave S, Sartell, MN 56377

  Seller Incentive: For added peace of mind, the seller is offering a complimentary one-year American Home Shield® home warranty to the buyer at closing, helping protect major home systems and appliances during the first year of ownership.The home features spacious living areas, abundant natural light, and a welcoming atmosphere perfect for both everyday living and entertaining. Enjoy a

  Wendy Hendricks Agency North Real Estate, Inc

  1241 Connecticut Ave S, Sartell, MN 56377
• 

  

  /31

  $695,000

  $80K PRICE DROP

  • 4 Beds
  • 3 Baths
  • 2,202 Sq Ft

  1037 Hamlet Dr N, Avon, MN 56310

  Rare opportunity to own a beautifully updated multi-generational lake home with over 100 feet of shoreline on Middle Spunk Lake. This almost 2200 sq. foot 4-bedroom, 3-bath home allows for flexible living with two full kitchens, multiple gathering spaces, and exceptional lakeside access. West-facing with breathtaking sunset views set on a mostly-level 0.4 acres, this home will have you enjoying

  Steven Koleno Beycome Brokerage Realty LLC

  1037 Hamlet Dr N, Avon, MN 56310
• 

  

  /50

  $489,000

  $11K PRICE DROP

  • 4 Beds
  • 3.5 Baths
  • 3,932 Sq Ft

  3119 Club View Ct, Saint Cloud, MN 56301

  Custom built 2-story! Private back yard, extensive landscaping, gazebo, large 2 story great room with fireplace, formal dining, kitchen with granite countertops, main floor master suite, 2 bedrooms and loft up, finished lower level family room, bedroom 3/4 bath. Cherry and white painted woodwork.

  Charles Reichensperger Century 21 First Realty, Inc.

  3119 Club View Ct, Saint Cloud, MN 56301
• 

  

  /28

  $214,900

  $10K PRICE DROP

  • 3 Beds
  • 2 Baths
  • 1,800 Sq Ft

  134 34th Ave N, Saint Cloud, MN 56303

  Welcome home to this charming 3-bedroom, 2-bathroom property in St. Cloud, MN! Offering a comfortable layout with plenty of space for everyday living, this home is ready for you to make it your own. Step outside to enjoy the fully fenced backyard perfect for pets, play, gardening, or relaxing with family and friends. The oversized detached 2-car garage provides ample room for vehicles, storage,

  Adam Fuchs Central MN Realty LLC

  134 34th Ave N, Saint Cloud, MN 56303
• 

  

  /38

  $529,900

  $10K PRICE DROP

  • 3 Beds
  • 2 Baths
  • 1,750 Sq Ft

  7385 322nd St, Saint Joseph, MN 56374

  Beautifully updated 3-bedroom, 2-bath home situated on 1.5 acres just minutes from St. Joseph, St. Cloud, Sartell, and Waite Park. Recent updates include new flooring throughout, fresh paint, modern lighting, a new furnace, new central air conditioning, and beautifully remodeled bathrooms featuring a stunning walk-in tile shower. Enjoy cozy evenings by the wood-burning fireplace or relax in the

  Jeremy Danielson RE/MAX Results

  7385 322nd St, Saint Joseph, MN 56374
• 

  

  /30

  $429,900

  $10K PRICE DROP

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

  1032 Glade View Ct, Saint Cloud, MN 56303

  Completely renovated and move-in ready! This beautifully updated 5-bedroom, 3-bathroom home offers the perfect combination of modern finishes, functional living space, and an unbeatable west St. Cloud location. From the moment you step inside, you'll appreciate the thoughtful renovations throughout, creating a fresh, stylish, and welcoming atmosphere. The spacious floor plan provides room for

  

  Kurt Weishalla

  Elevate Realty LLC

  1032 Glade View Ct, Saint Cloud, MN 56303
• 

  

  /28

  $2,100,000

  • Land
  • 93.35 Acres
  • $22,496 per Acre

  TBD County Road 7, Saint Augusta, MN 56301

  Exceptional development opportunity! This expansive tract offers city water and sewer availability in a highly accessible location just one mile from I-94. Ideal for industrial, commercial, or multi-family residential development, with the city willing to work with the buyer on rezoning to fit the intended use. Whether you're looking to develop now or invest for the future, this property offers

  Noel Johnson Premier Real Estate Services

  TBD County Road 7, Saint Augusta, MN 56301
• 

  

  /39

  $485,000

  $4K PRICE DROP

  • 5 Beds
  • 3.5 Baths
  • 3,100 Sq Ft

  609 20th Ave N, Sartell, MN 56377

  Welcome home to this well maintained, one-owner two-story nestled in a quiet cul-de-sac on a .58-acre lot with a peaceful pond backdrop! Offering over 3,100 finished square feet, this spacious home features 5 bedrooms, 4 bathrooms, and an oversized 4-stall garage that has a 18x8 garage door, that can easily fit 2 large trucks side by side, plus a huge parking pad with plenty of room for guests,

  Melissa Welsh Coldwell Banker Realty

  609 20th Ave N, Sartell, MN 56377
• 

  

  /26

  $309,999

  • 2 Beds
  • 1.5 Baths
  • 1,120 Sq Ft

  608 Elm St N, Kimball, MN 55353

  Built in 2024, this beautifully maintained rambler offers the convenience of one-level living today with room to grow tomorrow.The home features 2 bedrooms, 2 bathrooms, an open-concept layout, stainless steel appliances, central air, an attached 2-car garage, and convenient main-floor laundry.Unlike many new construction homes, this property already includes valuable upgrades including

  Brandi Hansen Central MN Realty LLC

  608 Elm St N, Kimball, MN 55353
• 

  

  /39

  $499,000

  $71K PRICE DROP

  • 3 Beds
  • 1.5 Baths
  • 2,184 Sq Ft

  1307 County Road 44, South Haven, MN 55382

  Pack up the kids, fishing boat and floatables, as your affordable Lake Home Experience has arrived. A fabulous Lake View welcomes you from the living room and three season porch! This 2.2 acre treed walkout lot is ideal, with an easy slope to the 221 ft of sandy lake shore.This three bedroom, two bath, 3-level home has a convenient layout with a portable center island in the kitchen, cozy

  John Holthaus Keller Williams Integrity NW

  1307 County Road 44, South Haven, MN 55382
• 

  

  /34

  $319,900

  $10K PRICE DROP

  • 5 Beds
  • 4 Baths
  • 2,874 Sq Ft

  240 Washington St, Holdingford, MN 56340

  This beautiful, historical Holdingford home offers nearly 3,000 finished square feet with exceptional flexibility for a variety of living arrangements. The main level features original cherry woodwork, an inviting living space, an updated kitchen with granite countertops and a charming breakfast nook, two bedrooms, and a refreshed full bathroom. A main-floor in-law suite adds incredible

  Karen Chopp Coldwell Banker Realty

  240 Washington St, Holdingford, MN 56340
• 

  

  /35

  $299,900

  $10K PRICE DROP

  • 4 Beds
  • 2.5 Baths
  • 1,986 Sq Ft

  570 3rd St NW, Richmond, MN 56368

  Welcome to a wonderfully well-kept, well maintained, one-owner home! This home offers so much and is truly a turn-key property! You will love the function of 3 same floor bedrooms, main floor laundry and a second 1/2 bath on the main level. The lower level features a gas fireplace with brick surround, a 4th bedroom and a third bathroom. You will love all the storage areas, including a large

  Curt Karls RE/MAX Results

  570 3rd St NW, Richmond, MN 56368
• 

  

  /4

  $339,900

  New Construction

  • 3 Beds
  • 2 Baths
  • 1,271 Sq Ft

  108 Woolgrass Way, Avon, MN 56310

  Hickory model. 3 bed 2 bath 2 car garage. Stainless Steel Appliance package with a washer and dryer, grey interiors and great curb appeal!! Builder Warranty. Please verify information (price and colors) with agent. Photos from a previous model.

  Denny Nelson Progressive Builders Real Estate

  108 Woolgrass Way, Avon, MN 56310
• 

  

  /53

  $445,000

  • 3 Beds
  • 2.5 Baths
  • 3,079 Sq Ft

  1167 3rd St S, Sartell, MN 56377

  Welcome to this truly one-of-a-kind Sartell property, perfectly situated on just over an acre, offering the rare combination of privacy, space, and convenience. Thoughtfully renovated from top to bottom, this exceptional home blends timeless character with modern updates while offering over 3,000 finished square feet of beautifully designed living space.From the moment you arrive, you'll

  Ashley Trulson Keller Williams Classic Rlty NW

  1167 3rd St S, Sartell, MN 56377
• 

  

  /22

  $165,000

  • 2 Beds
  • 1.5 Baths
  • 1,200 Sq Ft

  2066 Stockinger Dr, Saint Cloud, MN 56303

  Conveniently located just minutes from the St. Cloud Technical Community College, YMCA and Whitney Recreation Center, this well-maintained 2-bedroom, 1.5-bath condo offers comfort, convenience, and low-maintenance living. Inside, you’ll find two spacious bedrooms, fresh paint throughout, and a generous primary suite featuring a walk-through bath and walk-in closet. The inviting living room is

  Melissa Welsh Coldwell Banker Realty

  2066 Stockinger Dr, Saint Cloud, MN 56303
• 

  

  /66

  $610,000

  • 5 Beds
  • 3.5 Baths
  • 4,106 Sq Ft

  2011 Temminck Rd, Saint Cloud, MN 56301

  Welcome to this exceptional custom-built rambler in the highly sought-after Pheasant Run neighborhood of South St. Cloud. Built with all exterior walls constructed of poured concrete from the footings to the roof using Insulated Concrete Forms (ICF), this home features 2¾ inches of insulation on both sides of the concrete walls, providing exceptional energy efficiency, structural strength, sound

  Pete Matanich Premier Real Estate Services

  2011 Temminck Rd, Saint Cloud, MN 56301
• 

  

  /34

  $150,000

  $10K PRICE DROP

  • 3 Beds
  • 2 Baths
  • 1,798 Sq Ft

  230 5th Ave N Unit C5, Saint Cloud, MN 56303

  Enjoy easy living in this spacious 3-bedroom, 2-bath condo offering scenic river views and a location that perfectly balances convenience with tranquility. Nestled on a quiet street, this inviting home provides a peaceful retreat while keeping you just a short walk from popular restaurants, shopping, and public transportation.Inside, you'll find generous living spaces designed for

  David Vee Edina Realty, Inc

  230 5th Ave N Unit C5, Saint Cloud, MN 56303
• 

  

  /51

  $499,900

  $20K PRICE DROP

  • 5 Beds
  • 3.5 Baths
  • 3,728 Sq Ft

  3612 Southridge Ct, Saint Cloud, MN 56301

  Welcome to 3612 Southridge Court! Offered for the very first time, this one owner home has been lovingly maintained in immaculate condition since it was built. Nestled on a quiet cul de sac in the sought after Southwood Heights neighborhood, this beautiful two story offers 5 bedrooms, 4 bathrooms, a 3 car garage, a charming 3 season porch, and a lower level wet bar that’s perfect for entertaining

  Hollie Engle Pemberton RE

  3612 Southridge Ct, Saint Cloud, MN 56301
• 

  

  /77

  $370,000

  • 3 Beds
  • 2.5 Baths
  • 2,032 Sq Ft

  1830 61st Ave N, Saint Cloud, MN 56303

  Welcome to an exceptional opportunity in the Southview neighborhood of west St. Cloud. Proudly offered by its original owners, this meticulously maintained and thoughtfully updated home reflects years of pride in ownership and is ready for its next chapter. Offering more than 2,000 finished square feet, this spacious home combines timeless comfort with modern updates. The beautifully remodeled

  Christopher Jacques Premier Real Estate Services

  1830 61st Ave N, Saint Cloud, MN 56303
• 

  

  /39

  $499,900

  $25K PRICE DROP

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

  37785 Sunnyfield Cir, Avon, MN 56310

  Looking for a property with room to roam, additional acreage, and convenient access to Two River Lake? This well-maintained and impeccably cared-for two story offers the perfect combination of comfort, space, and opportunity. The home features 4 bedrooms and 3 bathrooms, including three upper-level bedrooms with a walk-through full bath, a lower-level fourth bedroom with a ¾ bath, and a

  Scott Lynch Agency North Real Estate, Inc

  37785 Sunnyfield Cir, Avon, MN 56310
• 

  

  /33

  $269,900

  $13K PRICE DROP

  • 3 Beds
  • 2 Baths
  • 1,704 Sq Ft

  535 Morningside Ave, Paynesville, MN 56362

  Nestled at the end of a quiet no-through street, this move in ready 3 bedroom, 2 bathroom home offers a peaceful setting with the privacy you've been looking for. Thoughtfully maintained and designed for comfortable everyday living, the inviting floor plan includes a finished basement that provides additional living space perfect for a family room, home office, recreation area, or guest retreat.

  Tasha West Central MN Realty LLC

  535 Morningside Ave, Paynesville, MN 56362
• 

  

  /98

  $449,000

  $10K PRICE DROP

  • 4 Beds
  • 3 Baths
  • 1,941 Sq Ft

  40515 442nd St, Sauk Centre, MN 56378

  Located on the edge of town on 3 private acres, this completely remodeled home offers the perfect blend of country living and convenience. Featuring 4 same-floor bedrooms and 3 bathrooms, the home has been updated inside and out with new vinyl siding, new windows, new exterior doors, new trim and interior doors, a beautifully remodeled kitchen with stainless steel appliances, updated bath

  Todd Swanson Premier Real Estate Services

  40515 442nd St, Sauk Centre, MN 56378
• 

  

  /55

  $839,900

  Open House 9/12 $20K PRICE DROP

  • 4 Beds
  • 3.5 Baths
  • 3,159 Sq Ft

  29203 Frontage Rd, Saint Joseph, MN 56374

  Escape to the peace and privacy of country living with this beautifully maintained rambler situated on 41.81 acres of scenic land. Offering the perfect blend of comfort, functionality, and outdoor recreation, this property is ideal for those seeking space to live, work, and enjoy nature. The home features 4 bedrooms and 4 bathrooms, including 3 bedrooms conveniently located on the main floor. The

  George Fortier Agency North Real Estate, Inc

  29203 Frontage Rd, Saint Joseph, MN 56374
• 

  

  /36

  $280,000

  $10K PRICE DROP

  • 4 Beds
  • 3 Baths
  • 1,617 Sq Ft

  427 16th Ave N, Saint Cloud, MN 56303

  Great income-generating rental property with long-term tenants! Two houses, three total units, all on one parcel (427 16th Ave N is the larger home and 1608 5th St N is the smaller home). Many updates have been done throughout the property, making this a must-see investment opportunity!

  Joshua Zwilling Edina Realty, Inc

  427 16th Ave N, Saint Cloud, MN 56303
• 

  

  /29

  $340,000

  • 4 Beds
  • 2 Baths
  • 2,100 Sq Ft

  515 Elena Ln, Saint Joseph, MN 56374

  From the moment you step inside, it's clear this home has been exceptionally well cared for. This beautifully maintained 4-bedroom, 2-bath bi-level walkout offers a spacious, open layout that's perfect for both everyday living and entertaining.The heart of the home is the impressive kitchen, featuring granite countertops, a large center island, stainless steel appliances, and plenty of

  Neil Theisen Central MN Realty LLC

  515 Elena Ln, Saint Joseph, MN 56374
• 

  

  /40

  $279,900

  • 4 Beds
  • 2 Baths
  • 2,342 Sq Ft

  4211 Center St, Saint Cloud, MN 56303

  Looking for your own little piece of heaven? Your search ends here! Sellers loved and will miss there 4-bedroom, 2-bath home is nestled beneath mature trees on a beautifully landscaped, park-like lot that offers both privacy and tranquility. Need extra space? The insulated and heated 16x24 detached garage is perfect for storing all your toys, creating the ultimate workshop, crafting space, or

  Lonnie Ness RE/MAX Select, Inc.

  4211 Center St, Saint Cloud, MN 56303
• 

  

  /33

  $489,900

  $5M PRICE DROP

  • 8 Beds
  • 4 Baths
  • 3,074 Sq Ft

  23017 60th Ave, Saint Augusta, MN 56301

  Exceptional investment opportunity with this fully renovated fourplex situated on approximately 1.5 acres in a desirable single-family neighborhood. As the only multifamily property in the area, this unique offering provides strong appeal for both investors and tenants. Currently operating as successful mid-term furnished rentals, each of the four units features 2 bedrooms, 1 updated bathroom,

  

  Joel Friday

  Keller Williams Classic Realty

  23017 60th Ave, Saint Augusta, MN 56301
• 

  

  /37

  $364,900

  $10K PRICE DROP

  • 2 Beds
  • 1 Bath
  • 1,280 Sq Ft

  20787 Drumflower Rd, Richmond, MN 56368

  Escape to your own lakeside retreat on the sought-after southwest-facing shoreline of North Browns Lake. This beautifully updated 2-bedroom, 1-bath is perched above the water, capturing breathtaking panoramic lake views and spectacular sunsets. Thoughtfully updated with luxury vinyl plank flooring, stainless appl, bath "7/23" maintenance-free decking "7/23", new roof "8/25", new Dock "7/21", wall

  Sandra Espe Sorenson Coldwell Banker Realty

  20787 Drumflower Rd, Richmond, MN 56368
• 

  

  /27

  $240,000

  $20K PRICE DROP

  • 2 Beds
  • 2 Baths
  • 1,492 Sq Ft

  276 Waite Ave S, Saint Cloud, MN 56301

  Convenient location for this Patio home which offers comfort, space, and privacy all in one. Nestled in a prime location overlooking the serene Angushire Golf Course on 3rd hole! Kitchen offers oak cabinets, double pantry, lazy susan, built in desk, center island with more storage. Good size dining room w/bay window. Living room offers a gas fireplace, vaulted beamed ceiling and large picture

  DeeDee Fisher RE/MAX Results

  276 Waite Ave S, Saint Cloud, MN 56301
• 

  

  /9

  $295,000

  • 8 Beds
  • 4 Baths
  • 3,318 Sq Ft

  334 33rd Ave N, Saint Cloud, MN 56303

  

  Aaron Trompeter

  A Trompeter Realty

  334 33rd Ave N, Saint Cloud, MN 56303
• 

  

  /40

  $350,000

  $15K PRICE DROP

  • 3 Beds
  • 2 Baths
  • 1,673 Sq Ft

  1542 Mulberry Rd, Saint Cloud, MN 56303

  Welcome to this beautifully maintained four-level home, lovingly cared for! From the moment you step inside, you'll feel the pride of ownership throughout-bright, inviting living spaces, thoughtfully designed levels for comfortable living, and a layout that offers both openness and privacy. This home shows beautiful and is ready for its next chapter! Home is located in a sought out area on the

  DeeDee Fisher RE/MAX Results

  1542 Mulberry Rd, Saint Cloud, MN 56303
• 

  

  /32

  $175,000

  $35K PRICE DROP

  • 2 Beds
  • 1.5 Baths
  • 1,333 Sq Ft

  432 28th Ave N, Saint Cloud, MN 56303

  Very charming 2BR 2 Bath rambler nestled in the heart of St Cloud, located near parks.updated kitchen has all stainless appliances and hardwood floors, updated furnace and AC unit.Lots of charm throughout the home, basement has nice family room with a workshop and lots of storage area.

  Mike Haehn Purpose Driven Realty, LLC

  432 28th Ave N, Saint Cloud, MN 56303
• 

  

  /4

  $50,000

  $10K PRICE DROP

  • Land
  • 16.27 Acres
  • $3,073 per Acre

  34001 83rd Ave, St. Wendel Township, MN 56374

  This property is not buildable for a home or other structure; please refer to the Subdivision Agreement. It is well suited for recreational or agricultural use, additional acreage for nearby residents. No address has been assigned yet, 34001 is an estimate. The property is adjacent to 34051 and across the driveway leading to a neighbor’s home. Please see the plat for details.

  Gavin Henry Premier Real Estate Services

  34001 83rd Ave, St. Wendel Township, MN 56374
• 

  

  /61

  $285,000

  $15K PRICE DROP

  • 5 Beds
  • 2.5 Baths
  • 2,558 Sq Ft

  901 31st Ave N, Saint Cloud, MN 56303

  Welcome to 901 31st Ave N, St. Cloud! This fully renovated home features over 2,500 finished square feet with five bedrooms, three bathrooms, a bonus 6th bedroom and a spacious layout on a corner lot. The updated kitchen includes stainless steel appliances, newer countertops and a kitchen window. The full bathroom on the main floor includes a stationary makeup station with plenty of storage

  Lindy Hennen Central MN Realty LLC

  901 31st Ave N, Saint Cloud, MN 56303

Showing Results 281 - 320, Page 8 of 18