3,429

West Virginia Homes for Sale with AC

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  • /47

    $249,900

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

    884 Harter Hill Rd, Worthington, WV 26591

    There's Country and then there's COUNTRY DONE RIGHT! The sellers bought this 39.85 AC tract in 2019 and decided to put a new "Frontier" single wide and a septic system. They started growing and put in a large chicken coup and added some guineas for farm fresh eggs. He added a wood stove that heats the whole place! Then he added a large 20'x30' metal pole building and put a 20'x30' lean to off the

    Mike Stivers FLOYD REAL ESTATE, INC

    884 Harter Hill Rd, Worthington, WV 26591
  • /34

    $754,000

    • 4 Beds
    • 3.5 Baths
    • 2,775 Sq Ft

    209 Farm Brook Ln, Morgantown, WV 26505

    Spacious and beautifully designed, this 4-bedroom, 3.5-bath home offers the perfect blend of luxury, comfort, and functionality. Featuring an open-concept floor plan with stylish finishes throughout, the heart of the home is the gourmet kitchen complete with high-end appliances, ample cabinetry, oversized island, large pantry, and plenty of space for entertaining. Designed with convenience in

    Gayla Adrian ALLIANCE REALTY

    209 Farm Brook Ln, Morgantown, WV 26505
  • /21

    $224,900

    $5K PRICE DROP
    • 4 Beds
    • 2.5 Baths
    • 2,352 Sq Ft

    630 Jane St, Charleston, WV 25302

    Stunning, fully updated mid-entry home in an unbeatable location! Just seconds from downtownCharleston and minutes from shopping and dining, this modern home offers spacious bedrooms,including an ensuite, and a beautifully updated kitchen with granite countertops and newer appliances.Enjoy a large back deck, two-car garage, and a bright, open layout.Major updates completed in 2020

    Marie McDavid Better Homes and Gardens Real Estate Central

    630 Jane St, Charleston, WV 25302
  • /43

    $189,900

    • 3 Beds
    • 1 Bath
    • 1,360 Sq Ft

    513 2nd St, Romney, WV 26757

    Enjoy the perfect mix of small-town charm and convenience in this 3-bedroom, 1-bath home located in Romney! Tucked away at the end of the road for extra privacy, this property offers peaceful living while still being just minutes from schools, restaurants, and shopping! Inside, you’ll find a partially finished basement that provides additional living space perfect for a family room, home office,

    Sara Coon Coldwell Banker Home Town Realty

    513 2nd St, Romney, WV 26757
  • /56

    $40,000

    $5K PRICE DROP
    • 2 Beds
    • 1 Bath
    • 960 Sq Ft

    1423 Copperas Fork Rd, Holden, WV 25625

    Welcome to this 2-bedroom, 1-bath home nestled along Copperas Fork Rd in Holden, WV. This property offers a quiet, rural setting surrounded by the natural beauty of the Appalachian hills. Inside, you’ll find a functional layout with comfortable living space, making it a great option for a primary residence, rental, or investment opportunity. The home sits on a generous lot with room to enjoy

    Laura Fields Exit Success Realty

    1423 Copperas Fork Rd, Holden, WV 25625
  • /56

    $280,000

    • 3 Beds
    • 1 Bath
    • 1,232 Sq Ft

    15462 Jersey Mountain Rd, Levels, WV 25431

    Welcome to peaceful country living with modern updates and breathtaking pasture views! Situated on 1.32 scenic acres, this beautifully renovated ranch-style home blends timeless charm with stylish 2024 upgrades. From the moment you arrive, you’ll appreciate the quiet rural setting and inviting curb appeal that make this property feel like home. Step inside to discover a warm and welcoming

    Dave Webster Coldwell Banker Premier

    15462 Jersey Mountain Rd, Levels, WV 25431
  • /52

    $259,900

    Open Sat 10AM - 12PM $20K PRICE DROP
    • 2 Beds
    • 1 Bath
    • 1,120 Sq Ft

    1104 W Race St, Martinsburg, WV 25401

    Welcome to this absolutely charming Cape Cod, affectionately known as “The Dollhouse.” From the moment you arrive, it’s easy to see how this home earned its nickname. With its inviting character, cheerful feel, and timeless style, it’s the kind of place that instantly makes you smile. Step inside and you’re greeted by beautiful hardwood floors that add warmth and elegance throughout the main

    Lesley Lopez ERA Liberty Realty

    1104 W Race St, Martinsburg, WV 25401
  • /32

    $495,000

    • 3 Beds
    • 2.5 Baths
    • 2,891 Sq Ft

    27 Hickory Dr, Barboursville, WV 25504

    If living in the Village of Barboursville is your dream, don't allow this home to pass you by. The updates are amazing and the floor plan is great! Two fireplaces, 3BRs and 2.5BA. Updated kitchen, updated exterior, updated flooring, updated windows, updated roof, whole house generator. The walkability of this property is priceless, the fenced back yard is priceless, sunsetter awning, perfect!

    Lorre Wilson Old Colony Realtors Huntington

    27 Hickory Dr, Barboursville, WV 25504
  • /29

    $220,000

    • 4 Beds
    • 2 Baths
    • 1,503 Sq Ft

    105 Miller Ave, Oak Hill, WV 25901

    Welcome to this beautifully renovated 4-bedroom, 2-bath home that perfectly blends modern updates with timeless charm. From the moment you arrive, you'll be drawn in by the inviting curb appeal featuring fresh landscaping, black shutters, natural wood accents, and a durable metal roof. Step inside to discover a spacious and thoughtfully updated interior designed for both comfort and

    Paula Thomas OUR HOUSE REALTY

    105 Miller Ave, Oak Hill, WV 25901
  • /8

    $422,790

    New Construction
    • 5 Beds
    • 3 Baths
    • 2,235 Sq Ft

    Lot 0208 Spitzenburg St Unit RICHMOND BASEMENT, Martinsburg, WV 25401

    NEW CONSTRUCTION! ESTIMATED JULY 2026 DELIVERY! Welcome to the Richmond Basement Floorplan at Apple Harvest! This beautiful home boasts of 2235 above grade square footage with a main level bedroom with full bathroom. Also on the main level, you will find an open floorplan seamlessly connecting the great room, dining room, and kitchen, which is suited with Frost White Quartz countertops and

    Julia Foard-Lynch Samson Properties

    Lot 0208 Spitzenburg St Unit RICHMOND BASEMENT, Martinsburg, WV 25401
  • /31

    $199,900

    $30K PRICE DROP
    • 3 Beds
    • 2 Baths
    • 1,957 Sq Ft

    60 Garrett Dr, Wayne, WV 25570

    Welcome to this spacious and inviting home located in the desirable Dunrovin Subdivision of Wayne, WV This home offers 3 bedrooms and 2 full baths, 2 large living rooms, a kitchen with a separate dining area, and an oversized laundry/mud room with plenty of storage and additional access from the attached one-car garage...all on the main level. The full, unfinished basement with external access is

    Cathy Maynard MCGUIRE REALTY COMPANY

    60 Garrett Dr, Wayne, WV 25570
  • /25

    $318,351

    New Construction
    • 3 Beds
    • 3.5 Baths
    • 1,650 Sq Ft

    104 Aragon Dr, Charles Town, WV 25414

    THE BEST VALUE PER SQUARE FOOT IN Charles Town, WV ***OFFERING UP TO $12,500 IN CLOSING COST ASSISTANCE FOR PRIMARY RESIDENCE WITH USE OF APPROVED LENDER AND TITLE!**This stunning York ll is an end unit model with a gorgeous designer package. Features include: a FULL bath on the bottom level, quartz kitchen countertops, pendant lights over the kitchen island, crown moldings on the tall

    Brittany Newman DRB Group Realty, LLC

    104 Aragon Dr, Charles Town, WV 25414
  • /11

    $349,999

    New Construction
    • 4 Beds
    • 3.5 Baths
    • 2,349 Sq Ft

    65 Sherman Ave, Ranson, WV 25438

    Model Home – 54 Sumter AveEND UNIT!St. Peter Townhomes – The Largest in the Ranson & Charles Town Area! Customize your dream home from the ground up — don’t settle for options other buyers picked out!Enjoy spacious layouts with flexible spaces for family fun, entertaining, and weekend cookouts! Up to 2,349 Sq. Ft. of Modern Luxury Special Financing Programs for first-time & move-up

    Jimmy Thomas New Home Star Virginia, LLC

    65 Sherman Ave, Ranson, WV 25438
  • /28

    $167,500

    $8K PRICE DROP
    • 3 Beds
    • 1.5 Baths
    • 1,634 Sq Ft

    9 Camden Place, Parkersburg, WV 26101

    Freshly painted home sitting in a semisecluded neighborhood atop the city. Home features 3 bedrroms 1.5 baths and lots of natural lighting. Home has ample storage with an attic area has potential of being finished. It features a large 8 X 22 enclosed porch and a detached garage as well as a fenced back yard.

    Charleen Byrd EXP Realty, LLC.

    9 Camden Place, Parkersburg, WV 26101
  • /17

    $134,900

    • 3 Beds
    • 1 Bath
    • 1,184 Sq Ft

    14167 Pocahontas Trail, White Sulphur Springs, WV 24986

    1992 MODEL doublewide 3 bedrooms, 2 baths, 1184 sq ft, situated on 0.85 acre, fenced yard, sheds, appliances, 2 car attached garage, paved driveway. ''Purchasers may use any lender they choose to finance the purchase of a property. However, the seller requires that all non-cash offers must be pre-qualified by NewRez Home Loan Division prior to offer acceptance. For the free pre-qualification,

    Tina Walton Walton Realty

    14167 Pocahontas Trail, White Sulphur Springs, WV 24986
  • /36

    $358,000

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

    420 Starkeys Landing, Shepherdstown, WV 25443

    Premier, three-level, corner lot townhome located in Historic Shepherdstown, WV! Welcome to this beautifully renovated, move-in ready townhome, ideally located across from Morgan’s Grove Park and just minutes from downtown Shepherdstown’s shops, dining, and cultural charm. Offering almost 2,900 finished square feet across three thoughtfully designed levels, this 4-bedroom, 2.5-bath home blends

    Andrew Lowe Path Realty

    420 Starkeys Landing, Shepherdstown, WV 25443
  • /2

    $220,000

    $20K PRICE INCREASE
    • 3 Beds
    • 2 Baths
    • 1,200 Sq Ft

    1362 Bitonti St, Star City, WV 26505

    This home is has endless options. First home, student home, investment property. Dont miss out the location is prime! There are two houses both available for sale.

    Linda Kosten ALLIANCE REALTY

    1362 Bitonti St, Star City, WV 26505
  • /15

    $55,700

    New Construction
    • 3 Beds
    • 2 Baths
    • 960 Sq Ft

    61 Saint Clair's Village, Morgantown, WV 26505

    LAST UNIT AVAILABLE in Saint Clair's Village. Quality, affordable living in Morgantown. Brand new/never lived in. Just minutes from the university, hospitals, shopping, and the interstate. Open floor plan including the kitchen, living room, and dining area. There is also a separate laundry room, three good size bedrooms, and two full bathrooms. Outside there is parking and a nice, level yard.

    Andrew Orr The KW Collective

    61 Saint Clair's Village, Morgantown, WV 26505
  • /66

    $550,000

    $19K PRICE DROP
    • 3 Beds
    • 3.5 Baths
    • 4,124 Sq Ft

    783 Ritters Valley Dr, Capon Bridge, WV 26711

    Private mountain living with real-world convenience. As the current owners and full-time healthcare professionals who personally commute to Winchester 4 days a week, this location has proven to offer both the peace and privacy buyers dream about—without sacrificing everyday practicality. Set on 5 private acres with creek frontage, this all-brick 4,100+ sq ft. retreat (finished and unfinished

    Jessica Corliss Dandridge Realty Group, LLC

    783 Ritters Valley Dr, Capon Bridge, WV 26711
  • /19

    $65,000

    • 3 Beds
    • 2 Baths
    • 1,414 Sq Ft

    116 Grant St, Clarksburg, WV 26301

    SPACIOUS 3 BEDROOM, 2 BATH HOME WITH GREAT POOTENTIAL. THE PROPERTY NEEDS SOME TLC BUT OFFERS A SOLID FOUNDATION AND PLENTY OF ROOMN TO MAKE IT YOUR OWN,IDEAL FOR INVESTORS AND BUYERS LOOKING TO BUILD EQUITY. ALSO HAS A LONG TERM TENANT LIVING THERE.

    CATHY KEENER KRB KAUFMAN PROPERTIES LLC

    116 Grant St, Clarksburg, WV 26301
  • /20

    $312,000

    • 1 Bed
    • 1 Bath
    • 3,000 Sq Ft

    101 Court St N, Ripley, WV 25271

    Prime commercial opportunity located on a highly visible corner at the intersection of the city’s major highway, offering exceptional exposure and traffic count for your business or investment portfolio. The spacious front area features large windows surrounding the space, providing abundant natural light and outstanding visibility, making it ideal for a coffee shop, deli, boutique retail store,

    Fonda Moore The Agency, LLC

    101 Court St N, Ripley, WV 25271
  • /35

    $270,000

    $5K PRICE DROP
    • 2 Beds
    • 1 Bath
    • 864 Sq Ft

    371 Oak Hill Rd, Berkeley Springs, WV 25411

    Perfect Airbnb investment opportunity! In recent years, this property has generated an average of $38,000 in annual rental income. Welcome to this charming cottage retreat, ideally situated in a peaceful setting at 371 Oak Hill Road. This cozy home offers the perfect escape, featuring access to a serene community pond, an inviting fire pit, and a relaxing screened porch—ideal for quiet mornings

    Craig Marsh Marsh Realty

    371 Oak Hill Rd, Berkeley Springs, WV 25411
  • /48

    $430,000

    Open Sun 12PM - 2PM $9K PRICE DROP
    • 3 Beds
    • 3.5 Baths
    • 2,620 Sq Ft

    21 Oakton Dr, Morgantown, WV 26508

    Welcome to this beautifully maintained 3-bedroom, 3.5-bath home in The Reserves at Stonewood Forest! This spacious home features an open-concept layout with a bright kitchen offering stainless steel appliances, granite countertops, and easy access to a deck—perfect for entertaining or enjoying your morning coffee. The main living areas include hardwood flooring in the dining room and living room,

    DENISE KENNELL MOUNTAIN RIDGE REALTY, LLC

    21 Oakton Dr, Morgantown, WV 26508
  • /19

    $109,900

    • 4 Beds
    • 2 Baths
    • 1,660 Sq Ft

    133 3rd St, Mount Hope, WV 25880

    1660 sq ft House on Almost Half an Acre in Mt Hope Fixer Upper with Lots of Potential!

    Richard Erlewine Red Oak Realty

    133 3rd St, Mount Hope, WV 25880
  • /14

    $65,000

    • 2 Beds
    • 1 Bath
    • 984 Sq Ft

    5247 Silverado Ln, Charleston, WV 25313

    Two bedroom raised rancher conveniently located in Cross Lanes at end of dead end street. Has two car garage in basement.

    Mike Moore Runyan & Associates REALTORS

    5247 Silverado Ln, Charleston, WV 25313
  • /5

    $749,000

    New Construction $50K PRICE INCREASE
    • 3 Beds
    • 2 Baths
    • 1,972 Sq Ft

    40 Stormfield Dr W, Martinsburg, WV 25404

    Serene Retreat Custom 3-Bedroom Ranch with First-Floor MasterDiscover the perfect blend of modern luxury and tranquil living in this to-be-built custom home. Nestled on a spacious lot that backs directly to a private, wooded area, this home offers the peace you desire with the modern design you deserve. The thoughtful layout features a coveted first-level master suite, serving as a private

    Brian Smith CBS Realty, LLC

    40 Stormfield Dr W, Martinsburg, WV 25404
  • /41

    $335,000

    • 3 Beds
    • 3 Baths
    • 1,384 Sq Ft

    6935 Winchester Ave, Inwood, WV 25428

    Built in 2019, this spacious split foyer offers 3 bedrooms, 3 full bathrooms, and a fully finished walkout basement in a convenient Inwood location. The main level features an open layout, granite countertops, stainless steel appliances, and comfortable living spaces designed for everyday living and entertaining. The finished lower level provides additional flexible space perfect for a family

    Katherine Hernandez CENTURY 21 New Millennium

    6935 Winchester Ave, Inwood, WV 25428
  • /23

    $57,000

    $3K PRICE DROP
    • 2 Beds
    • 1.5 Baths
    • 1,312 Sq Ft

    515 Church St, Spencer, WV 25276

    Look at the potential in this 2-bedroom, 1.5 bathroom bungalow. Outdoor amenities includes a covered front porch, rear deck and carport. A finished walk-up attic creates the possibility for storage, a potential 3rd bedroom or den. Galley style kitchen and formal dining room. Both bedrooms have attached baths with the full bathroom also including an attached laundry room with washer and dryer

    Jason Cavender The Property Center

    515 Church St, Spencer, WV 25276
  • /102

    $850,000

    $30K PRICE DROP
    • 4 Beds
    • 3 Baths
    • 2,628 Sq Ft

    22 Fairmont Ave, Shepherdstown, WV 25443

    Just two blocks from the vibrant Shepherdstown Historic District and set along the quiet tree-lined street of Fairmont Avenue, this charming brick colonial offers a rare and compelling balance: immediate access to the character, walkability, and charm of historic Shepherdstown—while enjoying the flexibility and ease of living just outside the district’s formal guidelines. Beyond the main

    Morgan Boyer Hunt Country Sotheby's International Realty

    22 Fairmont Ave, Shepherdstown, WV 25443
  • /17

    $225,000

    • 3 Beds
    • 1.5 Baths
    • 1,540 Sq Ft

    39 Karns Ct, Martinsburg, WV 25401

    Charming 3-Bedroom Home with Basement & Great LocationStep into the character and charm of this well-maintained 3-bedroom, 1.5-bath home built in the 1930s. Featuring a traditional floor plan with a spacious living room, formal dining room, and functional kitchen, this home offers both comfort and timeless appeal.Enjoy cozy evenings by the fireplace and year-round comfort with an

    Chip Hensell Hensell Realty, Co.

    39 Karns Ct, Martinsburg, WV 25401
  • /28

    $362,100

    New Construction
    • 3 Beds
    • 2 Baths
    • 1,441 Sq Ft

    32 Larimar Ln, Inwood, WV 25428

    Introducing the 1441 Rancher D by Warfield Homes at Middle Creek Vistas. Have you been dreaming of a home that offers one-level living? Perhaps you have been strategizing to make a plan to retire in place. Warfield Homes Inc. has been building custom homes in the Northern Shenandoah Valley for over 30 years. You'll love the openness of the floor plan, the 9' ceilings & the luxury vinyl plank

    Gina Chatham Century 21 Redwood Realty

    32 Larimar Ln, Inwood, WV 25428
  • /15

    $263,000

    • 2 Beds
    • 1 Bath
    • 938 Sq Ft

    72 Whitetail Way, Davis, WV 26260

    Escape to the mountain in this charming pedestal-style cabin, nestled among the trees in Black Bear Resort, located just minutes away from the charming mountain towns of Davis and Thomas. This cozy retreat offers a treehouse-like feel with elevated living space and a spacious deck perfect for relaxing, entertaining, or enjoying the peaceful woodland views. Resort amenities include a swimming

    CAT VON GERSDORFF BEST OF CANAAN, LLC

    72 Whitetail Way, Davis, WV 26260
  • /37

    $298,799

    New Construction
    • 3 Beds
    • 2 Baths
    • 1,280 Sq Ft

    35 Foxchase Ct, Kearneysville, WV 25430

    OPEN HOUSE SATURDAYS 10am-4pm MODEL HOME. Discover affordable single-family homes featuring 3 bedrooms and 2 full baths. This home qualifies for multiple financing options including 100% financing with multiple programs for closing assistance and or downpayment assistance —making ownership more accessible than ever. Stop by and see what this local builder has to offer. *Please note: Photos may

    Charles Shultz Path Realty

    35 Foxchase Ct, Kearneysville, WV 25430
  • /13

    $454,990

    New Construction $7K PRICE INCREASE
    • 3 Beds
    • 2 Baths
    • 1,783 Sq Ft

    TBB Marquee Farm Rd Unit CEDAR II, Charles Town, WV 25414

    The only community within historic Charles Town with resort style amenities!**UP TO $15,000 CLOSING COST ASSISTANCE AVAILABLE ON SELECT HOMES, FOR PRIMARY RESIDENCE WITH USE OF APPROVED LENDER AND TITLE!**ATTACHED 2 CAR GARAGE INCLUDED!!! Live the Huntfield lifestyle in Charles Town's largest planned community ideally situated along the rolling hills of the Blue Ridge Mountains! Enter on

    Brittany Newman DRB Group Realty, LLC

    TBB Marquee Farm Rd Unit CEDAR II, Charles Town, WV 25414
  • /20

    $464,990

    New Construction Open Thu 1PM - 3PM
    • 4 Beds
    • 2.5 Baths
    • 2,718 Sq Ft

    1317 Wallace Blvd, Ranson, WV 25438

    The to-be-built Hudson single-family home, at Madison Greens in Ranson, fits the way you live. The flex space can be used as a playroom, a library and more. Gather in the spacious family room, which flows into the dining room and kitchen areas, separated by a convenient breakfast bar. Off the 2-car garage, a family entry controls clutter, while a quiet study is tucked away. Upstairs, 3 additional

    Erica Stevenson NVR, INC.

    1317 Wallace Blvd, Ranson, WV 25438
  • /50

    $445,000

    • 4 Beds
    • 3.5 Baths
    • 1,987 Sq Ft

    51 Jordon Dr, Winfield, WV 25213

    River front w/ stunning water views*All seasons glassed room* Open floor plan* Primary Suite W/ Cathedral ceilings* Walk in closets* + secondary primary w/on-suite Bath* Tankless water heater* Kit by Woody's Solid Cab thru-out, solid white oak hardwood* Builder upgrades: Tile in all season room, Twilight Quartz in the kitchen, SS Appliances, Kitchen island with bev fridge, upgraded faucets

    ELIZABETH MADORE-LEWIS Better Homes and Gardens Real Estate Central

    51 Jordon Dr, Winfield, WV 25213
  • /27

    $220,000

    $20K PRICE DROP
    • 3 Beds
    • 2 Baths
    • 1,352 Sq Ft

    378 Grueser Ln, Point Pleasant, WV 25550

    Well-maintained, 3-bedroom, 2-bath home offering comfort, functionality, and great outdoor space! One level with a detached garage! This property features a fully fenced backyard—ideal for pets, play, or entertaining—along with ample exterior storage, including two sheds for all your tools and equipment. Hobbyists, or those needing extra workspace there is a 20x50 garage, providing endless

    Biz Elias The Angie Zimmerman Realty Group

    378 Grueser Ln, Point Pleasant, WV 25550
  • /40

    $259,000

    $30K PRICE DROP
    • 4 Beds
    • 3.5 Baths
    • 1,900 Sq Ft

    45 Logan Ave, Morgantown, WV 26501

    Enjoy breathtaking panoramic views year-round from the back deck of this beautiful Upper South Park home. Whether you're grilling or relaxing with friends, take in stunning sights of downtown, the MHS scoreboard, and Evansdale. This spacious home features 4 bedrooms and 3.5 bathrooms, including a private in-law suite complete with its own bedroom, gathering room, second kitchen, bathroom, and

    Gunjan Gupta THE AGENCY - MORGANTOWN

    45 Logan Ave, Morgantown, WV 26501
  • /42

    $539,000

    • 4 Beds
    • 2 Baths
    • 2,364 Sq Ft

    94 Dogwood Trail, Napier, WV 26631

    First time on the market, one owner. Check out this beautiful nestled in the hills of Northern Braxton County. A short drive to Burnsville Lake and the Bulltown Historic Area. The white fence greets you as you drive past the inground pool to the house. Once inside, the rustic charm will welcome you. The bottom rooms could be a Mother-in-law suite with its own exterior entrance. There is a horse

    GARY WEAVER NELSON HOWARD REAL ESTATE LLC

    94 Dogwood Trail, Napier, WV 26631
  • /23

    $199,500

    • 3 Beds
    • 2 Baths
    • 1,968 Sq Ft

    105 Jameson St, Weirton, WV 26062

    Discover this stunning home featuring over 1,900 square feet of living space. It offers 3 spacious bedrooms and 2 bathrooms, perfect for comfortable living. The eat-in kitchen is a delightful space for meals, cooking and entertainment complemented by a large living room ideal for gatherings. The lower-level rec room includes a cozy wood-burning fireplace and a wet bar, perfect for relaxing or

    Karen Sterling JJ Guida Airport Realty

    105 Jameson St, Weirton, WV 26062

Showing Results 641 - 680, Page 17 of 18

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