568

Stevens County WA Homes for Sale with Acreage

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  • /25

    $199,000

    • Land
    • 37.25 Acres
    • $5,342 per Acre

    3331 Deep Lake Boundary Rd, Colville, WA 99114

    Whether you're looking for a weekend getaway or a permanent residence, this beautiful 37.25 acre property with a cabin close to lakes, fishing, hunting and hiking is the perfect place to call home. Don't miss out on this rare opportunity to own such a beautiful piece of property. Fix up the cabin to your liking or build your dream home. Cabin on one parcel and most of the property on the other

    Dustin Haynes Heart and Homes Northwest Realty-Colville

    3331 Deep Lake Boundary Rd, Colville, WA 99114
  • /41

    $675,000

    $24K PRICE DROP
    • 4 Beds
    • 3 Baths
    • 2,700 Sq Ft

    595 Reed Rd, Kettle Falls, WA 99141

    This home has been updated to perfection! Outstanding Kitchen with new Island and expansive counter tops plus new appliances. Open floor plan to the well sized living room and fireplace. Beautiful mountain and territorial views. Upstairs bathroom is completely remodeled and 2 freshly painted bedrooms with Barn door closets, and laminate floors throughout. Laundry room hosts a half bath and easy

    Robyn Westergard WESTERGARD REAL ESTATE

    595 Reed Rd, Kettle Falls, WA 99141
  • /13

    $145,000

    • Land
    • 20 Acres
    • $7,250 per Acre

    TBD Corkscrew Canyon Rd Unit Parcel B, Ford, WA 99013

    Discover your slice of the PNW on this exceptional rural property in TumTum, WA, where valley views & mountain panoramas set the stage for your dream home or recreational retreat. With multiple building sites & a warm southern exposure, the possibilities are endless. Enjoy a scenic drive from Spokane & only 3 mi from Long Lake. This property offers a balance of seclusion & accessibility. A flat

    Mark Freeman Keller Williams Spokane - Main

    TBD Corkscrew Canyon Rd Unit Parcel B, Ford, WA 99013
  • /31

    $424,000

    $51K PRICE DROP
    • 3 Beds
    • 1.5 Baths
    • 1,904 Sq Ft

    5266 Bear Ridge Way, Springdale, WA 99173

    Did someone order a cabin in the woods?! Are you tired of the hustle & bustle of city life? You can't wait to find the perfect place to truly enjoy nature & some real breathing room? Look no further! Welcome to 5266 Bear Ridge ~ a picturesque log cabin on 20 acres of forested land just outside of Springdale. Inside you'll find an open-concept living area with exposed log beams & a unique Russian

    Robyn Miller REAL Broker LLC

    5266 Bear Ridge Way, Springdale, WA 99173
  • /14

    $67,000

    • Land
    • 3.04 Acres
    • $22,039 per Acre

    58xx Lot 2 Weaver Rd Unit Parcel 5807122, Nine Mile Falls, WA 99026

    Discover a versatile outdoor retreat near Suncrest and Nine Mile Falls, ideal for your new home or weekend getaway. This 3.04-acre property has power available at the property line. Enjoy the freedom of no HOA while designing a home, cabin, or recreational escape to fit your vision. Conveniently located minutes from Long Lake boat launch and Riverside State Park, with easy access to Lakeside High

    Mike Hansen EXIT Real Estate Professionals

    58xx Lot 2 Weaver Rd Unit Parcel 5807122, Nine Mile Falls, WA 99026
  • /25

    $139,000

    • 3 Beds
    • 1 Bath
    • 1,155 Sq Ft

    5378 Washington 25 S, Fruitland, WA 99129

    This is a perfect investor or starter opportunity. Peaceful 1.6 acres with 15 gpm well, septic, and power installed in the small town of Fruitland. There is a 1900's 3-bedroom, 1-bath home on the property that has been used as a rental in the past but will require some work in its current state. Also on the property is a beautifully rustic 30x28 old barn, so bring those farm animals! The best

    Kayla Piper Real Estate Marketplace NW,Inc

    5378 Washington 25 S, Fruitland, WA 99129
  • /7

    $170,000

    • Land
    • 17 Acres
    • $10,000 per Acre

    TBD Zimmer Rd, Addy, WA 99101

    17 acres of fertile, sub-irrigated farmland offering prime agricultural potential and future development possibilities. This expansive property features naturally watered soil, ideal for high-yield crops, hay production, or pasture use. With flat, easily accessible terrain and excellent sun exposure, it's perfectly positioned for both farming and building opportunities. The land provides ample

    Michael Martin CENTURY 21, Kelly Davis

    TBD Zimmer Rd, Addy, WA 99101
  • /30

    $200,000

    • Land
    • 1.68 Acres
    • $119,048 per Acre

    2843 Deep Lake South Shore Rd, Colville, WA 99114

    You won't believe this slice of paradise, that sits at the South end of Deep Lake, on Deep Creek! Public access to Deep Lake makes this the ultimate recreational destination. Come boat, kayak, fish, hunt, camp, bike, hike...etc! Or just relax and enjoy the expansive wildlife, common to the area, including Deer, Turkey, Elk, Moose, and Eagles! This property is ready for you to build your dream

    Sabrina Tipich Lighthouse Brokerage LLC

    2843 Deep Lake South Shore Rd, Colville, WA 99114
  • /58

    $520,000

    • 4 Beds
    • 3 Baths
    • 2,735 Sq Ft

    3802 Bissell Rd, Hunters, WA 99137

    Charming retreat with stunning Lake Roosevelt views and easy access to a public boat launch. Nestled on 2.5 acres, this enchanting 3-bed, 3-bath home offers an idyllic blend of comfort and adventure. From the moment you arrive, you'll be captivated by the park-like landscape, creating a private playground. Enjoy the second-story covered decks, where sweeping water views invite you to unwind with

    Day Star Realty Team KELLER WILLIAMS REALTY COLVILLE

    3802 Bissell Rd, Hunters, WA 99137
  • /11

    $83,500

    $20K PRICE DROP
    • Land
    • 20.99 Acres
    • $3,978 per Acre

    Lot 11 Rail Canyon Rd, Springdale, WA 99173

    Now is your chance to get away from the city! This beautiful 20.99 acre lot provides a year-round stream with amazing views of the surrounding mountains. Only a 30-minute drive from Spokane with easy access to the property (has easement road to get to the other side of the stream). with multiple building spots and it being very close to state land there are endless possibilities. It would be a

    Mikal Palmer Real Estate Marketplace NW,Inc

    Lot 11 Rail Canyon Rd, Springdale, WA 99173
  • /26

    $135,000

    • Land
    • 5.55 Acres
    • $24,324 per Acre

    5880 Lot 3 Weaver Rd Unit Parcel 5807123, Nine Mile Falls, WA 99026

    Discover a versatile outdoor retreat near Suncrest and Nine Mile Falls, ideal for your new home or weekend getaway. This 5.55-acre property includes a prepared building site to jumpstart your plans. Electrical transformer installed and ready, and a shared well provides ample water supply. Well house provides a 50-amp hookup to use while you build. Enjoy the freedom of no HOA while designing a

    Mike Hansen EXIT Real Estate Professionals

    5880 Lot 3 Weaver Rd Unit Parcel 5807123, Nine Mile Falls, WA 99026
  • /50

    $1,529,000

    • 3 Beds
    • 4 Baths
    • 2,464 Sq Ft

    5034 Bittrich-Antler Rd, Deer Park, WA 99006

    Rare find! Beautiful home on 80 acres with massive shop! 3 bedroom 4 bathroom home. All the bedrooms have their own bathroom. Large primary suite with large bathroom, free standing tub, tiled shower, and double walk in closets. Knotty alder kitchen cabinets and trim throughout the home. Oak hand-scraped finish hardwood flooring. 9 ft ceilings throughout the home. Oversized attached garage is

    Brandon Palmer Real Estate Marketplace NW,Inc

    5034 Bittrich-Antler Rd, Deer Park, WA 99006
  • /47

    $1,144,950

    $50K PRICE DROP
    • 4 Beds
    • 3 Baths
    • 3,878 Sq Ft

    5418 S Wallbridge Rd Unit 5418 S Wallbridge Rd, Deer Park, WA 99006

    Hop over to check out this amazing farm. Bring all your animals and enjoy country living. Self sustain on your working ranch and farm that is all set up for you...just move in. Enjoy territorial views in a setting of peace and serenity on 15+ acres located on the Wild Rose Prairie. Raise animals with room to roam, have your garden & fruit trees, and yet be minutes on paved roads to Deer Park and

    Karen O'Donnell Coldwell Banker Tomlinson

    5418 S Wallbridge Rd Unit 5418 S Wallbridge Rd, Deer Park, WA 99006
  • /13

    $119,900

    $39K PRICE DROP
    • Land
    • 5.45 Acres
    • $22,000 per Acre

    717 B Finley Gulch Rd, Colville, WA 99114

    Feels like you're in the country on this 5.45-acre lot but are just minutes from town. Shared well installed. 200-amp service and three-bedroom septic to be installed before closing. Building pad in place. Private with lots of timber.

    Leonard Brandt Heart and Homes Northwest

    717 B Finley Gulch Rd, Colville, WA 99114
  • /44

    $695,000

    • 3 Beds
    • 2 Baths
    • 1,352 Sq Ft

    4849 Getna Way, Springdale, WA 99173

    Two homes on 40 acres! Off-grid living at its finest. Solar panels and back up diesel generator provide power to both homes. First home is a 3 bedroom 2 bathroom modular home built in 2018. Tankless propane water heater, large primary bedroom/bathroom. Second home is a 2 bedroom 2 bathroom double wide also built in 2018. Cozy home with a large covered deck. Both homes have propane forced air

    Brandon Palmer Real Estate Marketplace NW,Inc

    4849 Getna Way, Springdale, WA 99173
  • /12

    $119,000

    • Land
    • 17.07 Acres
    • $6,971 per Acre

    3000 BLK Addy-Gifford Rd Unit 5455, Gifford, WA 99131

    17 acres of open, rolling pasture ground with southern exposure fronting on maintained county road just minutes to Lake Roosevelt. Lots of opportunities on this beautiful acreage with multiple building sites to choose from. Build your dream home of further develop for seasonal use. The mighty Lake Roosevelt is just a few miles away offering camping, boat launches and miles and miles of beaches.

    Kenneth Barcus Ken Barcus Realty

    3000 BLK Addy-Gifford Rd Unit 5455, Gifford, WA 99131
  • /27

    $3,950,000

    • 3 Beds
    • 2 Baths
    • 2,352 Sq Ft

    4988 Wallbridge Rd, Deer Park, WA 99006

    Twin Willows Event Center, a premier 60-acre equestrian and event facility just 20 minutes north of Spokane, WA. Anchored by a 29,000 sq ft indoor arena with top-tier footing and LED lighting, the property includes a 10,000 sq ft feeder barn with 30 stalls, and outdoor paddocks with full amenities. A very nice modern (2022) 3-bed, 2-bath ranch home with an attached 3 car garage. Additional

    Jacob Turner Fay Ranches-Washington

    4988 Wallbridge Rd, Deer Park, WA 99006
  • /24

    $130,000

    • Land
    • 1.88 Acres
    • $69,149 per Acre

    6601 Stony Way, Nine Mile Falls, WA 99026

    At just under 2 acres this beautiful, buildable lot provides space and privacy while also being manageable. Only minutes to shops and conveniences in Nine Mile Falls this property sits atop the gated community of Pine Ridge Estates. Beautiful views from back of property and view easements are in place to maintain these views. Lot is buildable and flat with mostly paved roads leading to property.

    Danielle LaBar Touchstone Real Estate Group

    6601 Stony Way, Nine Mile Falls, WA 99026
  • /34

    $130,000

    • Land
    • 20 Acres
    • $6,500 per Acre

    NKA Orin-Rice Rd, Colville, WA 99114

    Imagine building your dream home on 20 acres of beautiful, private land with sweeping mountain views. This property offers multiple ideal building sites and the rare advantage of no HOA, giving you complete flexibility to design and use the land your way. Whether you're planning a custom home, hobby farm, or getaway retreat, this property delivers. Conveniently located just 10 minutes from town

    Nicole Webley Keller Williams Spokane-Branch

    NKA Orin-Rice Rd, Colville, WA 99114
  • /40

    $449,500

    • 1 Bed
    • 1 Bath
    • 2,712 Sq Ft

    1140 S Pine St, Kettle Falls, WA 99141

    Hard to find daylight rancher situated in one of Kettle Falls finest subdivisions! Spacious 4bdrm/3bth home in Singers Subdivision just on the edge of Kettle Falls. The location offers a spacious 1 acre lot offering elbow room, tall trees with the feel of country living plus the amenities of town. All the heavy lifting has been done here, the septic system has been upgraded (replaced 2023), newer

    Kenneth Barcus Ken Barcus Realty

    1140 S Pine St, Kettle Falls, WA 99141
  • /72

    $349,000

    • 1 Bed
    • 1 Bath
    • 1,376 Sq Ft

    647 Elm Tree Dr, Colville, WA 99114

    Waterfront lot with 1376 square foot shop with a 1 bedroom 1 bath apartment on 1.62 Acres bordering the Little Pend Oreille River. Property is ready for a new main house. Features a 3 bedroom pressurized septic system. Includes an RV dump and an RV electrical outlet. Lovely river frontage immediately behind the Arden Fire Hall. Many extras including a gazebo, a garden shed, and large dog run

    Bob McBlair RE/MAX SELECT ASSOCIATES

    647 Elm Tree Dr, Colville, WA 99114
  • /5

    $200,000

    • Land
    • 21.06 Acres
    • $9,497 per Acre

    3737 C E Jumpoff Rd, Valley, WA 99181

    Build-Ready Acreage with Well & Sweeping Views! This 21.06-acre parcel combines rolling terrain, privacy, and stunning views with the improvements buyers want. A drilled well is already on the property, and underground power is in, saving time and cost. Choose your ideal homesite to take full advantage of the elevated outlooks and peaceful setting. Perfect for a full-time home or getaway. Located

    Barbara Collier Kelly Right Real Estate of Spokane

    3737 C E Jumpoff Rd, Valley, WA 99181
  • /12

    $200,000

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

    36XX Lane Mountain Way, Valley, WA 99181

    40 private acres bordered by timber company land. A true outdoorsman's paradise with excellent hunting, privacy, and room to roam. Just minutes from Waitts Lake and a short drive to town and highway access. The property features unique natural boulders, rolling terrain, and multiple potential building sites--perfect for a getaway cabin or primary residence. A beautiful slice of the Inland

    Nicole Alby RE/MAX Four Seasons

    36XX Lane Mountain Way, Valley, WA 99181
  • /22

    $164,000

    • Land
    • 7.21 Acres
    • $22,746 per Acre

    3321 Washington 25, Northport, WA

    Turn key vacant land ready for your dream home plans. This 7.21 acres has new drilled well, new 3 bedroom permitted septic & installed power. Property is flat and there's easy access off Hwy 25 and is just minutes from the Northport Boat Launch on the Columbia River and National Forest is nearby. Small finished shed and 40 foot shipping container stay.

    Leonard Brandt Heart and Homes Northwest

    3321 Washington 25, Northport, WA
  • /76

    $1,110,000

    • Land
    • 257 Acres
    • $4,319 per Acre

    3850 N Hwy 25 Hwy, Northport, WA 99157

    257 ACRES OVERLOOKING COLUMBIA RIVER, 16 Surveyed Parcels with Water Rights & Well to supply 12 Parcels, borders BLM Land East & South sides, China Bend Boat Launch & Canada's Red Mountain Resort Ski Lodge only a 1/2 hour drive, Multiple Building sites have expansive River Views & mountains, Consider Multi-Family Compound, Vacation or Hunting Resort, Developers Dream, Explope hiking, ATV or Horse

    Denise Rogers CENTURY 21, Kelly Davis

    3850 N Hwy 25 Hwy, Northport, WA 99157
  • /34

    $425,000

    • 2 Beds
    • 2 Baths
    • 1,134 Sq Ft

    927 Aladdin Rd, Colville, WA 99114

    Chalet Style Log Home features 2 bedrooms, 1 bath with river rock fireplace and pellet insert to heat the home. Park like setting and bordering state and forest lands. Beautiful mountain views. Circular driveway to 2 car garage with full finished apartment above and another camper for sleeping room for guests. 30 x 40 shop with 12 ft and 8 ft doors and concrete floor. Lots of timber on the

    Chris Frostad WINDERMERE COUNTRYSIDE-COLVILLE

    927 Aladdin Rd, Colville, WA 99114
  • /42

    $1,350,000

    • 3 Beds
    • 2 Baths
    • 3,100 Sq Ft

    1095 Kitt-Narcisse Rd, Colville, WA 99114

    120 Acres of Extraordinary Views & Endless Possibility rarely does a property come along that truly has it all. Nestled just 15 minutes from Colville, this breathtaking 120 acre estate offers sweeping, extraordinary views and a lifestyle most only dream about whether you're envisioning a working homestead, hobby farm, multi-generational haven, or a peaceful private sanctuary.The 3-bedroom,

    Nicole Alby RE/MAX Four Seasons

    1095 Kitt-Narcisse Rd, Colville, WA 99114
  • /48

    $667,500

    • 5 Beds
    • 3 Baths
    • 2,624 Sq Ft

    6221 Moriah Dr, Nine Mile Falls, WA 99026

    You will love this clean and move-in ready 4-level home that has been tastefully updated and remodeled! Home has wide plank LVP flooring, upgraded light fixtures, high-end window treatments. Kitchen has quartz counters including a large island, new cabinetry, newer appliances - induction stove top for efficient cooking. The spacious primary suite has a walk-in closet and 3/4 bathroom that has a

    Wendy Kennedy Windermere City Group

    6221 Moriah Dr, Nine Mile Falls, WA 99026
  • /20

    $59,900

    • Land
    • 10 Acres
    • $5,990 per Acre

    4XXX Nellie Smith Way, Valley, WA 99181

    Tucked away in the woods, this beautiful parcel features thick, marketable timber and level to sloped terrain, offering bothprivacy and natural beauty. Ideal as a recreational retreat or private homesite, the property boasts multiple building sites to bring your vision to life. Wildlife is abundant, with nearby public land enhancing the peaceful, secluded setting. Located just 30

    Alexis Larson RE/MAX SELECT ASSOCIATES

    4XXX Nellie Smith Way, Valley, WA 99181
  • /29

    $275,000

    • Land
    • 100 Acres
    • $2,750 per Acre

    68X Highland Loop Rd, Kettle Falls, WA 99141

    Don't miss this rare chance to own 100 acres of secluded, undeveloped land ideally located off Highland Loop, perfectly positioned between Colville and Kettle Falls. This expansive property offers the best of both worlds—peaceful privacy with convenient year-round access. Featuring rolling terrain, mature timber, and multiple potential building sites, the land is well-suited for a dream home,

    Sherri Dotts KELLER WILLIAMS REALTY COLVILLE

    68X Highland Loop Rd, Kettle Falls, WA 99141
  • /31

    $599,000

    • 3 Beds
    • 2 Baths

    2801 G S 395 Hwy, Valley, WA 99181

    Take in beautiful views of the valley from this 3 bed, 2 bath home situated on 2.24 acres. The open floor plan is filled with natural light and features luxury vinyl flooring and crown molding throughout. The kitchen offers custom cabinetry, stainless steel appliances, a walk-in pantry, and a large island with an additional breakfast bar. The spacious primary suite includes a custom built in

    Stepheney Lane RE/MAX Four Seasons LLC

    2801 G S 395 Hwy, Valley, WA 99181
  • /23

    $99,500

    • Land
    • 20.06 Acres
    • $4,960 per Acre

    29xx Bakie, Valley, WA 99181

    Mostly treed 20 acres with some pasture. Views of the surrounding mountains. Seasonal stream. Power at the property. Shown by appointment only. Your broker must be present.

    Brandon Palmer Real Estate Marketplace NW,Inc

    29xx Bakie, Valley, WA 99181
  • /31

    $150,000

    • Land
    • 21.85 Acres
    • $6,865 per Acre

    00 Stoneridge Way, Deer Park, WA 99006

    Introducing Saddle Mountain Communities Crown Jewel, 21.85 acres of Pure Paradise! Come discover the awe-inspiring panoramic views, common areas, horseback riding and hiking trails. Situated within a secure gated enclave, this property comes complete with the added convenience of a natural spring and well. If your dream is building the perfect home or equestrian haven, this property provides

    Nicole Page Keller Williams Spokane - Main

    00 Stoneridge Way, Deer Park, WA 99006
  • /27

    $599,000

    • 5 Beds
    • 3 Baths
    • 3,598 Sq Ft

    2600 Highline Rd, Chewelah, WA 99109

    Spacious 5-bedroom, 3-bath home on 6.55 acres just 5 miles from town. This property offers a peaceful, private setting with abundant wildlife and easy access right off a county road. The main level features an open layout with a large deck ideal for entertaining, plus an attached two-car garage. The fully finished lower level includes its own kitchen and living area--perfect for rental income,

    Nicole Alby RE/MAX Four Seasons

    2600 Highline Rd, Chewelah, WA 99109
  • /89

    $450,000

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

    3305 Bradeen Rd, Rice, WA 99167

    Wake up to wide open skies, expansive landscapes, and some of the most spectacular Lake Roosevelt views in the region. This 20-acre property in the Rice area features sweeping panoramic views along the entire western edge of the land, offering privacy, usable acreage, and beautiful natural surroundings. The land is mostly level and historically set up for horses with fencing already in place,

    LEA RYAN WINDERMERE COUNTRYSIDE-COLVILLE

    3305 Bradeen Rd, Rice, WA 99167
  • /50

    $850,000

    $25K PRICE DROP
    • 3 Beds
    • 2.5 Baths
    • 2,829 Sq Ft

    5205 Allen Rd, Springdale, WA 99173

    Imagine waking up to a beautiful sun rise over these territorial views. Experience country living in this 2015 rancher offers 2,829 sf on one level, thoughtfully designed on approx 29 view acres. Low maintenance landscape retains more time for fun stuff. This 3 bedroom home plus office/den features 2.5 baths, vaulted ceilings, and an open concept layout filled with natural light. Enjoy upscale

    Karen O'Donnell Coldwell Banker Tomlinson

    5205 Allen Rd, Springdale, WA 99173
  • /9

    $200,000

    • Land
    • 24.02 Acres
    • $8,326 per Acre

    3737 B E Jumpoff Rd, Valley, WA 99181

    Rolling Pasture, Big Views & Ready for Your Vision! This 24.02-acre parcel offers usable pasture with gentle rolling terrain, cross fencing already in place, and incredible territorial views. Ideal for horses, livestock, or building your dream home positioned to capture the scenery. Underground power is installed, giving you a strong head start. Enjoy a private, peaceful setting just minutes from

    Barbara Collier Kelly Right Real Estate of Spokane

    3737 B E Jumpoff Rd, Valley, WA 99181
  • /59

    $575,000

    $25K PRICE DROP
    • 3 Beds
    • 2 Baths
    • 2,240 Sq Ft

    762 Mahoney Rd, Colville, WA 99114

    Nestled among the trees on 21 serene acres, this property offers exceptional privacy and room to roam. Escape to your own private sanctuary with this beautifully remodeled 3-bedroom, 2-bath home, completely hidden from the county road. Thoughtful great-room updates, along with stylish flooring and paint selections, stainless steel appliances with a country kitchen island creates a warm and

    Sherri Dotts KELLER WILLIAMS REALTY COLVILLE

    762 Mahoney Rd, Colville, WA 99114
  • /50

    $289,000

    • 3 Beds
    • 2 Baths
    • 1,498 Sq Ft

    2477 Cedonia-Addy Rd, Addy, WA 99101

    Escape to country living you won’t want to leave. This fully fenced 21-acre retreat features a charming 1910 log home with a newer addition — solid, full of character, and ready for your personal touch. Year-round Smith Creek runs through the property, with a covered deck overlooking the water. Main-floor primary suite, two loft bedrooms, 2 baths, and a cozy wood stove in the kitchen. Easy paved

    Jim Palmer Real Estate Marketplace NW,Inc

    2477 Cedonia-Addy Rd, Addy, WA 99101
  • /28

    $200,000

    • Land
    • 3.15 Acres
    • $63,492 per Acre

    XX Pine Ridge Way, Nine Mile Falls, WA 99026

    Spectacular view acreage with water and power to the property line. Underground utilities. Views of Long Lake, two nice building sites on parcel, one up high with water views and one down low with territorial views. Come build your custom dream home in this small friendly gated community. Close to local amenities, boat launches, restaurants, shopping and all essential facilities, 40 minutes to

    Carrie Meyer Home Sales Spokane

    XX Pine Ridge Way, Nine Mile Falls, WA 99026

Showing Results 441 - 480, Page 12 of 15

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