Valley County ID Homes for Sale

• 

  

  

  /15

  $137,900

  • Land
  • 22,215 Sq Ft
  • $270,392 per Acre

  T75 LI Cabarton Rd, Cascade, ID 83611

  THIS IDEALLY LOCATED PROPERTY offers incredible potential for single-family homes, townhomes, or multi-unit development. Zoned for versatile residential use, it’s perfect for investors or builders looking to meet the growing housing demand in Cascade. Enjoy quick lake access and proximity to town making this an excellent location for short- or long-term rentals. Situated just across the street

  Molly Wegener Cascade Lake Realty INC

  

  T75 LI Cabarton Rd, Cascade, ID 83611
• 

  

  

  /6

  $255,000

  • Land
  • 42,645 Sq Ft
  • $260,470 per Acre

  1000 Ridge Rd, McCall, ID 83638

  Level, buildable 0.98-acre lot located in the quiet Valley View Subdivision just south of Payette Lake and minutes from downtown McCall. This parcel offers road frontage, level topography, and mountain/territorial views—an ideal setting for a custom home. Enjoy a peaceful neighborhood setting with a spacious 42,645 sq ft lot and convenient access to McCall amenities, outdoor recreation, and

  Cheri Reeves Engel & Volkers McCall

  1000 Ridge Rd, McCall, ID 83638
• 

  

  

  /15

  $137,900

  • Land
  • 22,215 Sq Ft
  • $270,392 per Acre

  T75 LI Cabarton Rd Unit Part I, Cascade, ID 83611

  THIS IDEALLY LOCATED PROPERTY offers incredible potential for single-family homes, townhomes, or multi-unit development. Zoned for versatile residential use, it's perfect for investors or builders looking to meet the growing housing demand in Cascade. Enjoy quick lake access and proximity to town making this an excellent location for short- or long-term rentals. Situated just across the street

  Molly Wegener Cascade Lake Realty, Inc.

  T75 LI Cabarton Rd Unit Part I, Cascade, ID 83611
• 

  

  

  /50

  $1,975,000

  • 4 Beds
  • 3 Baths
  • 3,020 Sq Ft

  30 Redtail Ln, McCall, ID 83638

  Incredible gathering place. Gorgeous 3000 sq ft 4 bedroom 3 bath home on 8+ acres just south of McCall, Idaho. From the great room, the views and sunsets are stunning. And it comes fully furnished. Beautiful custom log beds. The home offers a spacious paved parking area. The garage and shop are amazing for boat storage or RVs. Perfect for a large family gathering place. Ideal location to all the

  Tamara DeBoer McCall Real Estate Company

  30 Redtail Ln, McCall, ID 83638
• 

  

  

  /15

  $274,900

  • Land
  • 4.39 Acres
  • $62,620 per Acre

  34 Silver Cloud Dr, Cascade, ID 83611

  Beautiful 4.39 acre lot privately tucked away in the serene wooded area of Whispering Pines in beautiful Cascade, Idaho! Incredible opportunity- build your dream home/cabin in the woods with easy access to year round, while only being ~12 minutes from downtown Cascade and the lake. No timeframe to build- you're able to camp on the site from April 1st through October 31st!! Enjoy the luxury of all

  Tyson Percifield Boise Premier Real Estate

  

  34 Silver Cloud Dr, Cascade, ID 83611
• 

  

  /43

  $1,399,000

  • 3 Beds
  • 2 Baths
  • 1,471 Sq Ft

  720 Village Dr Unit 301, Donnelly, ID 83615

  Experience the perfect blend of mountain adventure and refined living in this move-in ready 3-bedroom, 2-bath condominium offering 1,471 square feet in the heart of The Village at Tamarack Resort—Idaho’s premier four-season destination and the only resort community to offer seamless access to skiing, boating, and championship golf. The thoughtfully designed open-concept interior features

  

  Haden Tanner

  Tamarack Realty LLC

  (208) 352-8714

  

  720 Village Dr Unit 301, Donnelly, ID 83615
• 

  

  /14

  $588,000

  • Land
  • 4.34 Acres
  • $135,390 per Acre

  5541 Lupine Ln, McCall, ID 83638

  5541 Lupine Lane is an elevated homesite that offers a dramatic east-facing vantage point with panoramic views of mountain peaks and the valley floor. Encompassing 4.34 generous acres, this parcel is characterized by a gentle slope framed with mature pines, and is the best priced large view lot currently available in Whitetail. Nestled in beautiful McCall, Idaho, Whitetail is a premier private

  Julian Greaves Mountain Resort Realty

  

  5541 Lupine Ln, McCall, ID 83638
• 

  

  /14

  $588,000

  • Land
  • 4.34 Acres
  • $135,381 per Acre

  5541 Lupine Ln Unit 119, McCall, ID 83638

  5541 Lupine Lane is an elevated homesite that offers a dramatic east-facing vantage point with panoramic views of mountain peaks and the valley floor. Encompassing 4.34 generous acres, this parcel is characterized by a gentle slope framed with mature pines, and is the best priced large view lot currently available in Whitetail. Nestled in beautiful McCall, Idaho, Whitetail is a premier private

  Julian Greaves Mountain Resort Realty

  5541 Lupine Ln Unit 119, McCall, ID 83638
• 

  

  /64

  $1,150,000

  • 4 Beds
  • 3 Baths
  • 2,485 Sq Ft

  2141 Lydia Dr, Donnelly, ID 83615

  RARE INVESTMENT in ROYAL SCOT DEVELOPMENT!!! 3 parcels totaling over 2 acres bordering Tamarack Resort. Well-maintained 4 bed, 3 bath home with 2,485 sq ft. Surrounded by diverse trees, offering privacy and serenity. Three levels for privacy and views. Stainless steel appliances. Access Lake Cascade via Buttercup State Park for fishing, boating, and more. Enjoy snowmobile, hiking, and UTV trails.

  Michele Basye Brundage Realty - Donnelly/McCall

  2141 Lydia Dr, Donnelly, ID 83615
• 

  

  /15

  $220,000

  • Land
  • 26,571 Sq Ft
  • $360,656 per Acre

  40 Moonflower Ct, McCall, ID 83638

  Looking to build your dream mountain retreat? Experience the luxury of Blackhawk on the River. Enjoy the fishing grotto with picnic amenities, and the 5 miles of year round groomed trails, or spend the day in the clubhouse! The Clubhouse features include a swimming pool, hot tub, gym, sauna, steam room, theater room, and a chefs kitchen. This cleared, level building lot is ready for your dream

  Ashley Fuller Brundage Realty

  

  40 Moonflower Ct, McCall, ID 83638
• 

  

  /18

  $220,000

  • Land
  • 26,571 Sq Ft
  • $360,656 per Acre

  40 Moonflower Ct Unit 103, McCall, ID 83638

  Looking to build your dream mountain retreat? Experience the luxury of Blackhawk on the River. Enjoy the fishing grotto with picnic amenities, and the 5 miles of year round groomed trails, or spend the day in the clubhouse! The Clubhouse features include a swimming pool, hot tub, gym, sauna, steam room, theater room, and a chefs kitchen. This cleared, level building lot is ready for your dream

  Ashley Kirsch Brundage Realty - Donnelly/McCall

  40 Moonflower Ct Unit 103, McCall, ID 83638
• 

  

  /13

  $199,000

  • Land
  • 20,037 Sq Ft
  • $432,609 per Acre

  167 Heath Place Unit 40, Donnelly, ID 83615

  Prime 0.46-acre property featuring a lovely aspen grove along one side and a circle driveway for easy access, a short distance from the Boulder Creek Day Use Area at Lake Cascade—perfect for boating, swimming, and lakeside picnics. With power, water, and sewer already hooked up, this property is ready for your camper, motorhome, or future mountain cabin. Enjoy nearby access to Tamarack Resort for

  Michele Basye Brundage Realty - Donnelly/McCall

  167 Heath Place Unit 40, Donnelly, ID 83615
• 

  

  /58

  $1,150,000

  • 3 Beds
  • 4 Baths
  • 2,520 Sq Ft

  441 Allen Ave, McCall, ID 83638

  Classic Custom Log home offers 3 bed, 4 bath (plus office) 2520 square foot in a premium location to take advantage of everything McCall offers. 2 car garage plus Detached 1280 square foot, fully insulated shop/garage with 3 bays and 12', 10' and 8' overhead doors provides storage for up to 25' Class C motorhome, 25' sailboat, and/or all your winter and summer toys! Front deck and fenced backyard

  James Boley Keller Williams Realty Boise

  441 Allen Ave, McCall, ID 83638
• 

  

  /39

  $569,900

  • 3 Beds
  • 3 Baths
  • 1,565 Sq Ft

  314 Broken Creek, McCall, ID 83638

  The mountains are calling you to your fully furnished, turn-key retreat in beautiful McCall. Whether you’re searching for a vacation home, investment property, short-term rental opportunity, or a place to enjoy year-round, this 3 bedroom, 3 bathroom townhome offers flexibility and comfort. Thoughtfully designed with each bedroom on its own level, the layout provides privacy and separation, ideal

  Donalyn Allen Atova

  

  314 Broken Creek, McCall, ID 83638
• 

  

  /38

  $569,900

  • 3 Beds
  • 3 Baths
  • 1,565 Sq Ft

  314 Broken Creek St, McCall, ID 83638

  The mountains are calling you to your fully furnished, turn-key retreat in beautiful McCall. Whether you're searching for a vacation home, investment property, short-term rental opportunity, or a place to enjoy year-round, this 3 bedroom, 3 bathroom townhome offers flexibility and comfort. Thoughtfully designed with each bedroom on its own level, the layout provides privacy and separation, ideal

  Donalyn Allen Atova, Inc.

  314 Broken Creek St, McCall, ID 83638
• 

  

  /13

  $205,000

  • Land
  • 2.22 Acres
  • $92,176 per Acre

  Lot 4 Sunbridge Dr, McCall, ID 83638

  Fantastic New Subdivision just a few minutes from downtown McCall & Payette Lake. Expansive and beautiful 360 degree views of the surrounding mountains with a large community pond and nature walking trails. This new community will have new paved roads to your large 2-3+ acre estate lots. All lots are septic approved and have underground power.

  Robert Lyons Century 21 Whitewater Clark

  

  Lot 4 Sunbridge Dr, McCall, ID 83638
• 

  

  /13

  $309,000

  • Land
  • 2.98 Acres
  • $103,587 per Acre

  Lot 15 Sunbridge Dr, McCall, ID 83638

  Fantastic New Subdivision just a few minutes from downtown McCall & Payette Lake. Expansive and beautiful 360 degree views of the surrounding mountains with a large community pond and nature walking trails. This new community will have new paved roads to your large 2-3+ acre estate lots. All lots are septic approved and have underground power.

  Robert Lyons Century 21 Whitewater Clark

  

  Lot 15 Sunbridge Dr, McCall, ID 83638
• 

  

  /13

  $259,000

  • Land
  • 2.04 Acres
  • $126,712 per Acre

  Lot 13 Sunbridge Dr, McCall, ID 83638

  Fantastic New Subdivision just a few minutes from downtown McCall & Payette Lake. Expansive and beautiful 360 degree views of the surrounding mountains with a large community pond and nature walking trails. This new community will have newpaved roads to your large 2-3+ acre estate lots. All lots are septic approved and have underground power.

  Robert Lyons Century 21 Whitewater Clark

  

  Lot 13 Sunbridge Dr, McCall, ID 83638
• 

  

  /6

  $99,000

  • Land
  • 3,049 Sq Ft
  • $1,414,286 per Acre

  125 Raven Loop, Cascade, ID 83611

  Great opportunity to secure a lot in Cascade’s newest subdivision! Raven Ridge is comprised of 49 building lots with 1-, 2-, and 3-bedroom building options available. Set on a private road, Raven Loop, with bike lanes, common area, and year-round access. This unique mountain modern development will provide an opportunity to enjoy Valley County's gateway to recreational paradise. Secure your lot

  Jolee Thomsen Silvercreek Realty Group

  

  125 Raven Loop, Cascade, ID 83611
• 

  

  /6

  $99,000

  • Land
  • 3,484 Sq Ft
  • $1,237,500 per Acre

  112 Raven Loop, Cascade, ID 83611

  Great opportunity to secure a lot in Cascade’s newest subdivision! Raven Ridge is comprised of 49 building lots with 1-, 2-, and 3-bedroom building options available. Set on a private road, Raven Loop, with bike lanes, common area, and year-round access. This unique mountain modern development will provide an opportunity to enjoy Valley County's gateway to recreational paradise. Secure your lot

  Jolee Thomsen Silvercreek Realty Group

  

  112 Raven Loop, Cascade, ID 83611
• 

  

  /6

  $99,000

  • Land
  • 2,613 Sq Ft
  • $1,650,000 per Acre

  139 Raven Loop, Cascade, ID 83611

  Great opportunity to secure a lot in Cascade’s newest subdivision! Raven Ridge is comprised of 49 building lots with 1-, 2-, and 3-bedroom building options available. Set on a private road, Raven Loop, with bike lanes, common area, and year-round access. This unique mountain modern development will provide an opportunity to enjoy Valley County's gateway to recreational paradise. Secure your lot

  Jolee Thomsen Silvercreek Realty Group

  

  139 Raven Loop, Cascade, ID 83611
• 

  

  /6

  $99,000

  • Land
  • 2,613 Sq Ft
  • $1,650,000 per Acre

  104 Raven Loop, Cascade, ID 83611

  Great opportunity to secure a lot in Cascade’s newest subdivision! Raven Ridge is comprised of 49 building lots with 1-, 2-, and 3-bedroom building options available. Set on a private road, Raven Loop, with bike lanes, common area, and year-round access. This unique mountain modern development will provide an opportunity to enjoy Valley County's gateway to recreational paradise. Secure your lot

  Jolee Thomsen Silvercreek Realty Group

  

  104 Raven Loop, Cascade, ID 83611
• 

  

  /6

  $99,000

  • Land
  • 3,049 Sq Ft
  • $1,414,286 per Acre

  118 Raven Loop, Cascade, ID 83611

  Great opportunity to secure a lot in Cascade’s newest subdivision! Raven Ridge is comprised of 49 building lots with 1-, 2-, and 3-bedroom building options available. Set on a private road, Raven Loop, with bike lanes, common area, and year-round access. This unique mountain modern development will provide an opportunity to enjoy Valley County's gateway to recreational paradise. Secure your lot

  Jolee Thomsen Silvercreek Realty Group

  

  118 Raven Loop, Cascade, ID 83611
• 

  

  /6

  $114,000

  • Land
  • 4,791 Sq Ft
  • $1,036,364 per Acre

  168 Raven Loop, Cascade, ID 83611

  Great opportunity to secure a lot in Cascade’s newest subdivision! Raven Ridge is comprised of 49 building lots with 1-, 2-, and 3-bedroom building options available. Set on a private road, Raven Loop, with bike lanes, common area, and year-round access. This unique mountain modern development will provide an opportunity to enjoy Valley County's gateway to recreational paradise. Secure your lot

  Jolee Thomsen Silvercreek Realty Group

  

  168 Raven Loop, Cascade, ID 83611
• 

  

  /6

  $99,000

  • Land
  • 2,613 Sq Ft
  • $1,650,000 per Acre

  124 Raven Loop, Cascade, ID 83611

  Great opportunity to secure a lot in Cascade’s newest subdivision! Raven Ridge is comprised of 49 building lots with 1-, 2-, and 3-bedroom building options available. Set on a private road, Raven Loop, with bike lanes, common area, and year-round access. This unique mountain modern development will provide an opportunity to enjoy Valley County's gateway to recreational paradise. Secure your lot

  Jolee Thomsen Silvercreek Realty Group

  

  124 Raven Loop, Cascade, ID 83611
• 

  

  /6

  $99,000

  • Land
  • 3,484 Sq Ft
  • $1,237,500 per Acre

  172 Raven Loop, Cascade, ID 83611

  Great opportunity to secure a lot in Cascade’s newest subdivision! Raven Ridge is comprised of 49 building lots with 1-, 2-, and 3-bedroom building options available. Set on a private road, Raven Loop, with bike lanes, common area, and year-round access. This unique mountain modern development will provide an opportunity to enjoy Valley County's gateway to recreational paradise. Secure your lot

  Jolee Thomsen Silvercreek Realty Group

  

  172 Raven Loop, Cascade, ID 83611
• 

  

  /6

  $99,000

  • Land
  • 3,049 Sq Ft
  • $1,414,286 per Acre

  121 Raven Loop, Cascade, ID 83611

  Great opportunity to secure a lot in Cascade’s newest subdivision! Raven Ridge is comprised of 49 building lots with 1-, 2-, and 3-bedroom building options available. Set on a private road, Raven Loop, with bike lanes, common area, and year-round access. This unique mountain modern development will provide an opportunity to enjoy Valley County's gateway to recreational paradise. Secure your lot

  Jolee Thomsen Silvercreek Realty Group

  

  121 Raven Loop, Cascade, ID 83611
• 

  

  /6

  $99,000

  • Land
  • 3,049 Sq Ft
  • $1,414,286 per Acre

  127 Raven Loop, Cascade, ID 83611

  Great opportunity to secure a lot in Cascade’s newest subdivision! Raven Ridge is comprised of 49 building lots with 1-, 2-, and 3-bedroom building options available. Set on a private road, Raven Loop, with bike lanes, common area, and year-round access. This unique mountain modern development will provide an opportunity to enjoy Valley County's gateway to recreational paradise. Secure your lot

  Jolee Thomsen Silvercreek Realty Group

  

  127 Raven Loop, Cascade, ID 83611
• 

  

  /6

  $99,000

  • Land
  • 2,613 Sq Ft
  • $1,650,000 per Acre

  133 Raven Loop, Cascade, ID 83611

  Great opportunity to secure a lot in Cascade’s newest subdivision! Raven Ridge is comprised of 49 building lots with 1-, 2-, and 3-bedroom building options available. Set on a private road, Raven Loop, with bike lanes, common area, and year-round access. This unique mountain modern development will provide an opportunity to enjoy Valley County's gateway to recreational paradise. Secure your lot

  Jolee Thomsen Silvercreek Realty Group

  

  133 Raven Loop, Cascade, ID 83611
• 

  

  /6

  $99,000

  • Land
  • 3,049 Sq Ft
  • $1,414,286 per Acre

  113 Raven Loop, Cascade, ID 83611

  Great opportunity to secure a lot in Cascade’s newest subdivision! Raven Ridge is comprised of 49 building lots with 1-, 2-, and 3-bedroom building options available. Set on a private road, Raven Loop, with bike lanes, common area, and year-round access. This unique mountain modern development will provide an opportunity to enjoy Valley County's gateway to recreational paradise. Secure your lot

  Jolee Thomsen Silvercreek Realty Group

  

  113 Raven Loop, Cascade, ID 83611
• 

  

  /6

  $99,000

  • Land
  • 2,613 Sq Ft
  • $1,650,000 per Acre

  137 Raven Loop, Cascade, ID 83611

  Great opportunity to secure a lot in Cascade’s newest subdivision! Raven Ridge is comprised of 49 building lots with 1-, 2-, and 3-bedroom building options available. Set on a private road, Raven Loop, with bike lanes, common area, and year-round access. This unique mountain modern development will provide an opportunity to enjoy Valley County's gateway to recreational paradise. Secure your lot

  Jolee Thomsen Silvercreek Realty Group

  

  137 Raven Loop, Cascade, ID 83611
• 

  

  /6

  $99,000

  • Land
  • 3,484 Sq Ft
  • $1,237,500 per Acre

  110 Raven Loop, Cascade, ID 83611

  Great opportunity to secure a lot in Cascade’s newest subdivision! Raven Ridge is comprised of 49 building lots with 1-, 2-, and 3-bedroom building options available. Set on a private road, Raven Loop, with bike lanes, common area, and year-round access. This unique mountain modern development will provide an opportunity to enjoy Valley County's gateway to recreational paradise. Secure your lot

  Jolee Thomsen Silvercreek Realty Group

  

  110 Raven Loop, Cascade, ID 83611
• 

  

  /6

  $99,000

  • Land
  • 3,920 Sq Ft
  • $1,100,000 per Acre

  122 Raven Loop, Cascade, ID 83611

  Great opportunity to secure a lot in Cascade’s newest subdivision! Raven Ridge is comprised of 49 building lots with 1-, 2-, and 3-bedroom building options available. Set on a private road, Raven Loop, with bike lanes, common area, and year-round access. This unique mountain modern development will provide an opportunity to enjoy Valley County's gateway to recreational paradise. Secure your lot

  Jolee Thomsen Silvercreek Realty Group

  

  122 Raven Loop, Cascade, ID 83611
• 

  

  /6

  $114,000

  • Land
  • 4,791 Sq Ft
  • $1,036,364 per Acre

  100 Raven Loop, Cascade, ID 83611

  Great opportunity to secure a lot in Cascade’s newest subdivision! Raven Ridge is comprised of 49 building lots with 1-, 2-, and 3-bedroom building options available. Set on a private road, Raven Loop, with bike lanes, common area, and year-round access. This unique mountain modern development will provide an opportunity to enjoy Valley County's gateway to recreational paradise. Secure your lot

  Jolee Thomsen Silvercreek Realty Group

  

  100 Raven Loop, Cascade, ID 83611
• 

  

  /13

  $259,000

  • Land
  • 2.06 Acres
  • $125,728 per Acre

  99 Sunbridge Dr, McCall, ID 83638

  Fantastic New Subdivision just a few minutes from downtown McCall & Payette Lake. Expansive and beautiful 360 degree views of the surrounding mountains with a large community pond and nature walking trails. This new community will have new paved roads to your large 2-3+ acre estate lots. All lots are septic approved and have underground power.

  Robert Lyons Century 21 Whitewater Clark

  

  99 Sunbridge Dr, McCall, ID 83638
• 

  

  /6

  $114,000

  • Land
  • 4,791 Sq Ft
  • $1,036,364 per Acre

  162 Raven Loop, Cascade, ID 83611

  Great opportunity to secure a lot in Cascade’s newest subdivision! Raven Ridge is comprised of 49 building lots with 1-, 2-, and 3-bedroom building options available. Set on a private road, Raven Loop, with bike lanes, common area, and year-round access. This unique mountain modern development will provide an opportunity to enjoy Valley County's gateway to recreational paradise. Secure your lot

  Jolee Thomsen Silvercreek Realty Group

  

  162 Raven Loop, Cascade, ID 83611
• 

  

  /6

  $114,000

  • Land
  • 4,791 Sq Ft
  • $1,036,364 per Acre

  164 Raven Loop, Cascade, ID 83611

  Great opportunity to secure a lot in Cascade’s newest subdivision! Raven Ridge is comprised of 49 building lots with 1-, 2-, and 3-bedroom building options available. Set on a private road, Raven Loop, with bike lanes, common area, and year-round access. This unique mountain modern development will provide an opportunity to enjoy Valley County's gateway to recreational paradise. Secure your lot

  Jolee Thomsen Silvercreek Realty Group

  

  164 Raven Loop, Cascade, ID 83611
• 

  

  /13

  $299,000

  • Land
  • 3.24 Acres
  • $92,369 per Acre

  81 Sunbridge Dr, McCall, ID 83638

  Fantastic New Subdivision just a few minutes from downtown McCall & Payette Lake. Expansive and beautiful 360 degree views of the surrounding mountains with a large community pond and nature walking trails. This new community will have new paved roads to your large 2-3+ acre estate lots. All lots are septic approved and have underground power.

  Robert Lyons Century 21 Whitewater Clark

  

  81 Sunbridge Dr, McCall, ID 83638
• 

  

  /6

  $99,000

  • Land
  • 3,049 Sq Ft
  • $1,414,286 per Acre

  170 Raven Loop, Cascade, ID 83611

  Great opportunity to secure a lot in Cascade’s newest subdivision! Raven Ridge is comprised of 49 building lots with 1-, 2-, and 3-bedroom building options available. Set on a private road, Raven Loop, with bike lanes, common area, and year-round access. This unique mountain modern development will provide an opportunity to enjoy Valley County's gateway to recreational paradise. Secure your lot

  Jolee Thomsen Silvercreek Realty Group

  

  170 Raven Loop, Cascade, ID 83611
• 

  

  /12

  $127,000

  • Land
  • 42,906 Sq Ft
  • $128,934 per Acre

  100 Herrick Ln, Cascade, ID 83611

  Welcome to your own private Idaho! Beautiful views of West Mountain, 40 miles to McCall, 57 miles to Boise, 7 minutes to Herrick Lake, 24 miles to Cascade Reservoir, and only 50 minutes to Tamarack Resort! World class hiking, mountain biking, fly-fishing, boating, hunting, water skiing, snow skiing, snowmobiling, horseback riding, and every type of off-road fun you can imagine, year-round! Power

  Sarina Fifer Silvercreek Realty Group

  

  100 Herrick Ln, Cascade, ID 83611

Showing Results 441 - 480, Page 12 of 18