1,111

Whatcom County WA Homes for Sale

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  • /29

    $299,900

    • 2 Beds
    • 1 Bath
    • 880 Sq Ft

    7806 Birch Bay Dr Unit 503, Blaine, WA 98230

    Beautifully updated ground-floor condo featuring a private patio and offered fully furnished for immediate enjoyment. The spacious layout includes a large entertainment center, ample storage, and abundant cabinetry. Perfect for full-time living, a beach getaway, or potential vacation rental. Enjoy resort-style amenities with a large clubhouse, racquetball court, indoor pool and hot tub, game and

    Tate White RE/MAX Whatcom County, Inc.

    7806 Birch Bay Dr Unit 503, Blaine, WA 98230
  • /35

    $550,000

    • 4 Beds
    • 2.5 Baths
    • 1,588 Sq Ft

    7454 Sole Dr, Blaine, WA 98230

    This Updated Home sits on a Super Sunny Private Corner Lot just a mile from Birch Bay State Park! Western Exposure, Corner Lot with a 16 ft X 30 ft Super Shop, with its own private driveway access. In addition to oversized Two-Car Garage. The home has had the composition roof replaced just three years ago! Newer Gas Hot Water Tank! Totally fenced and landscaped Garden of Eden Back Yard! A

    Gregg Baker Windermere RE Whatcom, Inc.

    7454 Sole Dr, Blaine, WA 98230
  • /39

    $269,500

    • 1 Bath
    • 460 Sq Ft

    2 Marigold Dr Unit 36, Bellingham, WA 98229

    Beautiful fully remodeled studio condo with views of the 18th Fairway in Sudden Valley. Included in the sale is what is currently inside the condo: all brand new furniture, furnishings, linens, electronics & stocked kitchen. Move right in or use as a short or long term rental property. Everything has been replaced - new flooring, trim, paint, cabinets, appliances, counters, tile, lighting. Just

    Mike Kooy Windermere RE Whatcom, Inc.

    2 Marigold Dr Unit 36, Bellingham, WA 98229
  • /22

    $750,000 New Construction

    • 4 Beds
    • 2.5 Baths
    • 2,073 Sq Ft

    2178 Lagerwey Cir, Lynden, WA 98264

    Just completed new construction home in one of Lynden’s newest developments. This home features 4 bedrooms,2.5 bathrooms, gaming area upstairs, covered patio, 2 car garage all situated on a 7322 sq ft lot. Quartz countertops throughout, stainless steel appliances, natural gas range and fireplace. Come see this one today.

    Jared English Congress Realty

    2178 Lagerwey Cir, Lynden, WA 98264
  • /40

    $720,000 Open Sun 11AM - 1PM

    • 3 Beds
    • 2 Baths
    • 1,174 Sq Ft

    3855 Fraser St, Bellingham, WA 98229

    Surrounded by endless outdoor recreation, this 3-bedroom, 1.75-bath renovated home offers just under 1,200 sq ft in between Lake Whatcom, Whatcom Falls Park and Galbraith Mountain. Step outside to explore hundreds of world-class mountain biking and hiking trails, a dog park, a pump track, tennis courts, playgrounds and multiple spots to launch your favorite watercraft. Inside, the home features

    Jessa Loudon John L. Scott Bellingham

    3855 Fraser St, Bellingham, WA 98229
  • /22

    $170,000

    • 3 Beds
    • 2 Baths
    • 1,194 Sq Ft

    4672 Birch Bay Lynden Rd Unit 82, Blaine, WA 98230

    Great Starter Home in Beautiful Birch Bay! Well- maintained and move- in ready, this charming mobile home is located in a desirable Birch Bay Park close to water slides, mini golf, train rides and the beach. The home features a recently remodeled interior with numerous updates throughout. Enjoy a private backyard with a deck-perfect for relaxing or entertaining. A stick-built 8' x 13' storage

    Carmen Rojo eXp Realty

    4672 Birch Bay Lynden Rd Unit 82, Blaine, WA 98230
  • /40

    $1,599,000 New Construction

    • 2 Beds
    • 2.5 Baths
    • 2,753 Sq Ft

    631 Freemans Ln, Point Roberts, WA 98281

    A rare opportunity—brand new no-bank waterfront home in Point Roberts, WA w/ panoramic ocean and island views. This 2-bed, 2.5-bath custom home offers open-concept living w/ sea vistas from every room, floor-to-ceiling windows, an expansive patio for sunset views, and an attached garage. Features include a gourmet kitchen, heated concrete floors, 9’ ceilings on the main, and custom details

    Tessa Pinckston RE/MAX Whatcom County, Inc.

    631 Freemans Ln, Point Roberts, WA 98281
  • /24

    $965,000

    • 6 Beds
    • 6 Baths
    • 3,304 Sq Ft

    5786 Portal Way, Ferndale, WA 98248

    Welcome to 5786 Portal Way, a multi-family Tri-Plex situated in Ferndale boasting 2 bed/2 bath and over 3,300 total sqft. Each unit has all appliances including W/D. Interior is in fantastic condition. Ample parking and ZERO vacancy over a 6 year current ownership. Fantastic tenants who are individually metered and fire sprinkled. Tenants cover their own utilities. Rents are under market value

    Brent Mcmillan Windermere RE Whatcom, Inc.

    5786 Portal Way, Ferndale, WA 98248
  • /5

    $499,000

    • 1 Bed
    • 1.5 Baths
    • 620 Sq Ft

    456 D St, Blaine, WA 98230

    Golden Opportunity for Investors, Builders & Flippers ! Unlock the Potential of this DUPLEX - ZONED property in the heart of Blaine city. Buyer need to verify from city. Situated on a large ,Square & level 9757 sq ft lot. This property features an existing 1 - Bedroom ,1- Bath home and is fully serviced with all city utilities . Prime location offers unbeatable convenience - close to schools ,

    Sukhjinder Tatla HomeSmart One Realty

    456 D St, Blaine, WA 98230
  • /23

    $330,000

    • 2 Beds
    • 1.5 Baths
    • 962 Sq Ft

    7650 Birch Bay Dr Unit M7, Blaine, WA 98230

    Darling Birch Bay condo, this two bedroom two bath home sits right on a greenbelt with fantastic outdoor space in front of the unit and a private back yard. The updated interior features new flooring, carpet appliances, paint and more. Outside the deck has been upgraded to trex and its near the community pool. This well run great condo complex has is quiet and also has private beach access for

    Brianna Robbins John L. Scott Bellingham

    7650 Birch Bay Dr Unit M7, Blaine, WA 98230
  • /27

    $399,999 Open Sun 1:30PM - 3:30PM

    • 2 Beds
    • 2 Baths
    • 1,531 Sq Ft

    739 Cascade Palms Ct Unit 739, Sedro Woolley, WA 98284

    Welcome home to this spacious 2-bedroom, 2-bath residence offering over 1,500 sq ft of comfortable living in a peaceful 55+ community. As you walk through, you’ll notice the open living room that creates a bright, inviting space perfect for relaxing or entertaining. The kitchen features a gas stove, Formica countertops, and easy access to a cozy TV room just off the kitchen. A dedicated office

    Kelly Nielsen KW North Sound

    739 Cascade Palms Ct Unit 739, Sedro Woolley, WA 98284
  • /4

    $299,000

    • Land
    • 13.7 Acres
    • $21,825 per Acre

    7125 Kickerville Rd, Ferndale, WA 98248

    Rare opportunity to own over 13 acres of pristine, level land offering the perfect balance of peaceful seclusion and prime location. This expansive parcel is ready for your vision, featuring commercial-grade timber and a serene, private atmosphere. Building is made easier with power already on-site and a rare water share included through the Old Settlers Water Association. The versatile, level

    Kathryn Sentinella Keller Williams Western Realty

    7125 Kickerville Rd, Ferndale, WA 98248
  • /36

    $1,299,950 Open Sun 1:30PM - 4PM

    • 3 Beds
    • 2.5 Baths
    • 2,561 Sq Ft

    2600 42nd, Bellingham, WA 98229

    Last home left in Padden Woods, an exciting new 4 lot neighborhood by Skeers Construction. Located just west of Lake Padden Park, this excellent southside setting is ideal for outdoor recreation. Swimming, fishing, hiking, golf, and tennis are right next door, or pedal through to world class mountain biking on the extensive Galbraith Mt trail system. Huge lot is level and sunny. This spacious

    Kirk Ghio Muljat Group

    2600 42nd, Bellingham, WA 98229
  • /14

    $190,000

    • Land
    • 0.24 Acre
    • $793,982 per Acre

    304 W 3rd St, Nooksack, WA 98247

    This level, fully serviced lot is ready for your vision—utilities are already on the property! Nestled in a brand-new neighborhood, you’ll love the unbeatable location: just 15 minutes to both Lynden and Bellingham, and close to parks, schools and shopping. Whether you're building your dream home or investing in the future, this is a rare opportunity to secure a prime piece of land in a growing

    Jason Heutinik Windermere RE Whatcom, Inc.

    304 W 3rd St, Nooksack, WA 98247
  • /40

    $70,000

    • 1 Bed
    • 1 Bath
    • 399 Sq Ft

    243 Schinn Canyon Dr, Maple Falls, WA 98266

    Oversized 4,792 sq ft lot at The Glen at Maple Falls on a very quiet low traffic dead end street. 1993 399 sq ft Park model with a large added insulated add-a-room for additional sleeping area and large living room. Shed also included in sale for extra dry storage. Backs up to partial greenspace with an elevation change that provides privacy. Artificial putting green in the front of the lot and

    Mark Frye RE/MAX Whatcom County, Inc.

    243 Schinn Canyon Dr, Maple Falls, WA 98266
  • /30

    $550,000

    • 2 Beds
    • 2 Baths
    • 1,100 Sq Ft

    2729 Cody Cir Unit 202, Bellingham, WA 98225

    Tucked quietly into the trees yet minutes from the heart of Bellingham, this condo offers a mix of privacy, light, and lifestyle. Surrounded by forest on three sides, it feels peaceful and secluded while remaining close to Fairhaven, coffee shops, and everyday amenities. Private trail access leads to a serene pond which connects directly to the Interurban Trail that stretches toward Chuckanut

    Andrew Shelton BHHS Bayside Realty

    2729 Cody Cir Unit 202, Bellingham, WA 98225
  • /40

    $2,499,000

    • 3 Beds
    • 3.5 Baths
    • 3,397 Sq Ft

    5684 Lux Ln, Blaine, WA 98230

    Exceptional modern residence in the coveted Semiahmoo community, offering 3,397 sq ft of refined design on a private 14,375 sq ft lot backing to serene wooded surroundings. Floor-to-ceiling Westeck windows fill the main living spaces with natural light while showcasing seamless indoor-outdoor living. The chef’s kitchen features exquisite cabinetry, Black Line Kitchen-Team 7 walnut, colored glass

    Lisa Sprague Windermere RE Whatcom, Inc.

    5684 Lux Ln, Blaine, WA 98230
  • /40

    $4,250,000

    • 4 Beds
    • 2.5 Baths
    • 2,700 Sq Ft

    1925 Hampton Rd, Everson, WA 98247

    Set in the peaceful farming valley between Lynden and Everson,WA this 91.55-acre homestead offers a rare opportunity for privacy, open space, and a connection to the land—while remaining close to town conveniences. The property features a 2,700± sq. ft., 4-bedroom, 2.5-bath home, expanded and updated in 1985, situated on its own approximately 1-acre homesite. Several covered buildings totaling

    John Vande Hoef RE/MAX Whatcom County, Inc.

    1925 Hampton Rd, Everson, WA 98247
  • /40

    $599,000

    • 4 Beds
    • 2.5 Baths
    • 2,332 Sq Ft

    6192 Hamilton Ave, Ferndale, WA 98248

    Set in a quiet neighborhood near parks, schools, and downtown Ferndale, this charming 4-bed / 2.25-bath home offers peace, comfort, and space-- all in a great location at an excellent price! Built for main-floor living, you'll be greeted by a cozy front room that leads to a kitchen with bar seating, stainless steel appliances, and connection to living + dining areas. Large living and dining room

    Jacson Bevens Windermere RE Whatcom, Inc.

    6192 Hamilton Ave, Ferndale, WA 98248
  • /40

    $85,000

    • 1 Bed
    • 1 Bath
    • 399 Sq Ft

    20 Goldrush Rd, Deming, WA 98244

    You just found the perfect setting adjacent to a greenspace. This 2012 park model with a large lot is exactly what you have been looking for. High ceilings and lots of windows make for a bright and airy feel. There's plenty of sleeping space, and lots of room to spread out and relax. The large covered deck is large enough to enclose part of it to give you additional insulated flex space. A well

    Mark Frye RE/MAX Whatcom County, Inc.

    20 Goldrush Rd, Deming, WA 98244
  • /5

    $3,200,000

    • Land
    • 5.09 Acres
    • $628,684 per Acre

    2263 W Main St, Lynden, WA 98264

    Prime 5-acre industrial parcel ideally located on the west side of Lynden, directly across from Lineage. This highly functional property offers paved road frontage along both the north and east boundaries, providing excellent access and flexibility for site planning. A gravel building pad is already in place, saving time and development costs, and all utilities are stubbed to the property for a

    Jessica Bouwman Muljat Group

    2263 W Main St, Lynden, WA 98264
  • /29

    $525,000

    • 3 Beds
    • 2 Baths
    • 2,068 Sq Ft

    4849 Starfish Ln, Blaine, WA 98230

    Fantastic SINGLE LEVEL living just minutes to the heart of Birch Bay...welcome to Starfish Lane! This is the floor plan you've been waiting for: 3 bedroom/2 bathroom no stairs rambler with separate living + family rooms. Vaulted ceilings set the tone and you'll love the beech hardwood flooring and cherry kitchen cabinets. Relax or entertain in the fenced yard featuring a delightful private

    Jennifer Freeman Windermere RE Whatcom, Inc.

    4849 Starfish Ln, Blaine, WA 98230
  • /34

    $599,000

    • 3 Beds
    • 2 Baths
    • 1,680 Sq Ft

    157 Northwood Dr, Point Roberts, WA 98281

    Spectacular turnkey, move-in-ready home in Point Roberts! Step inside to soaring vaulted ceilings and a bright, open-concept living area enhanced by skylights that flood the space with natural light. This inviting home offers three comfortable bedrooms and two full bathrooms, along with a cozy propane fireplace for year-round enjoyment. Recent upgrades include brand-new stainless-steel

    Greg Heppner National Real Estate Point Roberts

    157 Northwood Dr, Point Roberts, WA 98281
  • /19

    $235,000 Open Sun 11AM - 1PM

    • 1 Bed
    • 1 Bath
    • 612 Sq Ft

    262 W Maberry Dr Unit 201A, Lynden, WA 98264

    Charming top-floor 1-bedroom condo in the Homestead Sports Club Cabanas! Ideally overlooking the golf course/green space, this light-filled unit captures views of the 9th hole from the private patio, living room, and kitchen. Inside, enjoy an inviting layout and a living room with a cozy gas stove. The home features a stylish green kitchen, large island, beautiful quartz countertops, and

    Emelie Goodman Wallberg Bellwether Real Estate

    262 W Maberry Dr Unit 201A, Lynden, WA 98264
  • /2

    $625,000

    • 3 Beds
    • 2 Baths
    • 1,244 Sq Ft

    6989 Snoqualmie Place, Glacier, WA 98244

    Three bedroom plus loft, two bath cabin located in the gated community of Snowline. Features include free standing propane stove, large wrap-around-deck, & workshop/storage area. Corner lot is in close proximity to Snowline amenities which include a pool, tennis courts, clubhouse, sports courts, play area & full time manager/security. Enjoy the recreational opportunities offered by Mt. Baker

    Janette Owens-Larsen Mt. Baker Homes & Land Inc.

    6989 Snoqualmie Place, Glacier, WA 98244
  • /21

    $435,000

    • 4 Beds
    • 2 Baths
    • 1,683 Sq Ft

    22 Marigold Dr Unit 45, Bellingham, WA 98229

    Discover the perfect blend of comfort and convenience at 22 Marigold Dr unit 45 in Bellingham, WA. This charming home boasts new window shades and a newly installed natural gas system for the fireplace, ensuring cozy evenings. Enjoy year-round comfort with three new mini splits for heating and A/C in the primary bedroom, studio, and living room. The newly remodeled additional bedroom offers ample

    Alejandro Hurtado Keller Williams Western Realty

    22 Marigold Dr Unit 45, Bellingham, WA 98229
  • /37

    $459,000

    • 1 Bed
    • 1 Bath
    • 287 Sq Ft

    990 S Lake Whatcom Blvd Unit S, Sedro-Woolley, WA 98284

    Don’t underestimate the power of small. This charming stick-framed lakeside studio is thoughtfully designed to deliver an effortless and unforgettable lakefront lifestyle. Cozy yet refined, it features a striking double-sided fireplace, a custom Murphy bed that transforms into a table for flexible living, and a well-appointed kitchen and bath that make weekend stays easy and comfortable. Imagine

    Jan Hensen HomeSmart One Realty

    990 S Lake Whatcom Blvd Unit S, Sedro-Woolley, WA 98284
  • /12

    $169,000

    • Land
    • 0.17 Acre
    • $1,001,778 per Acre

    646 Largaud Dr, Point Roberts, WA 98281

    Superb building lot in Point Roberts’ famous South Beach neighborhood. Located on Largaud Dr, this cleared lot with tons of southern exposure is just a short walk to the beach. So much ground work has been completed including a gravel driveway, a full culvert, water meter and large trees removed. Septic design/permit completed and 2 bed 2 bath house building permit has also been approved.

    Dan Schroeder Boundary Bay Realty LLC

    646 Largaud Dr, Point Roberts, WA 98281
  • /40

    $999,000

    • 4 Beds
    • 2 Baths
    • 2,678 Sq Ft

    3772 E Hoff Rd, Everson, WA 98247

    Set on 5 private acres with views of Sumas Mountain, this distinctive property offers space, versatility, and a peaceful natural setting. The main home features 2,678 sq ft with 4 generously sized bedrooms, wide hallways designed for accessibility, and abundant windows bringing in natural light throughout. The open-style kitchen creates an inviting central gathering space and includes a large

    Anthony Zapata Keller Williams Western Realty

    3772 E Hoff Rd, Everson, WA 98247
  • /8

    $212,000

    • Land
    • 0.17 Acre
    • $1,261,154 per Acre

    578 Sweet Gum Dr, Blaine, WA 98230

    New Blaine Building lot in new Blaine Development, build you new custom home at the Ridge, a planned residential development, all utilities at street. Enjoy the quite walking paths, sidewalks picknick areas and shared open spaces. This site offers a peacefull setting with convenient access to I-5, Canadian Border, shools and shopping. its a great opportunity to build in a new growing community.

    Sam Freeman Doug Freeman Real Estate

    578 Sweet Gum Dr, Blaine, WA 98230
  • /8

    $175,000

    • Land
    • 0.31 Acre
    • $568,366 per Acre

    0 Taft Dr, Lummi Island, WA 98262

    Embrace island living at its finest on Lummi Island! This vacant parcel, situated in the picturesque Isle-Aire Beach neighborhood, offers filtered west-southwest views and a gently sloping landscape. Installed 3-bedroom septic, building your sanctuary is a breeze. ownership grants access to one of the island's finest beaches. Revel in the ever-changing vistas during the scenic 5-minute ferry ride

    Kenneth Swanson Windermere RE Whatcom, Inc.

    0 Taft Dr, Lummi Island, WA 98262
  • /40

    $1,179,000 New Construction

    • 5 Beds
    • 2.5 Baths
    • 3,102 Sq Ft

    32 Bramble Way, Bellingham, WA 98229

    Experience luxury living in this stunning 5 bed, 3 bath custom home with a 2-car garage, surrounded by peaceful greenbelt views . The home features soaring 16-ft ceilings in the living room, exposed natural fir beams, and a striking natural stone fireplace. The chef’s kitchen offers quartz countertops, premium Café appliances, and a gorgeous luxury walk-in pantry with its own sink. Enjoy high-end

    Irina Chernomorets ONE Realty

    32 Bramble Way, Bellingham, WA 98229
  • /38

    $1,275,000

    • 4 Beds
    • 3 Baths
    • 4,662 Sq Ft

    2176 Montfort Ave, Blaine, WA 98230

    Escape to your waterfront sanctuary—a Montana log-style retreat that’s equal parts luxury and rustic charm. Sitting right on the edge of Drayton Harbor, this custom-built stunner delivers postcard-perfect views of White Rock, Semiahmoo Resort, and endless sparkling waters creating a backdrop that offers endless enjoyment. Step inside to discover an open concept that exudes both warmth and

    Heather Taylor COMPASS

    2176 Montfort Ave, Blaine, WA 98230
  • /23

    $750,000

    • Land
    • 3.02 Acres
    • $248,344 per Acre

    16 xx S Nugent Rd, Lummi Island, WA 98262

    Two pristine, rare west-facing waterfront lots on Lummi Island offered together, totaling 3 acres. Featuring a medium-bank shoreline with a private path to a pebbly, agate-strewn beach, plus a tennis court nestled among towering evergreens. A 3-bedroom septic is installed and ready for your dream home. Enjoy sweeping 180 views over Rosario Strait—watch passing orcas and sunsets over the water.

    Sandi Qualls RE/MAX Whatcom County, Inc.

    16 xx S Nugent Rd, Lummi Island, WA 98262
  • /8

    $349,000

    • Land
    • 1.53 Acres
    • $228,105 per Acre

    4130 Patos Dr, Ferndale, WA 98248

    Rare 1.53-Acre Waterfront Opportunity on Sandy Point. Build your dream home on the largest lot in Sandy Point! This premier waterfront property features 99% permit ready plans designed to showcase unobstructed views of Mt. Baker and Puget Sound. The custom design includes two guest en-suites and expansive living spaces. Located just 9 miles from Bellingham Airport and a short boat ride to the San

    Alex Stredicke Windermere RE Whatcom, Inc.

    4130 Patos Dr, Ferndale, WA 98248
  • /36

    $57,500

    • 1 Bed
    • 1 Bath
    • 384 Sq Ft

    2026 Dogwood Dr, Sumas, WA 98295

    Welcome to your vacation getaway! Beautifully maintained and updated, this park model awaits you on a quiet, private cul-de-sac nestled in the foothills of Mt. Baker. This property is perfect for a weekend of relaxation or an extended getaway. Home features a full bath, 1 bedroom with a bonus room with 2 built-in bunk beds, kitchen, living room, and a large covered, fenced deck. Great for

    Kandi Camacho HomeSmart One Realty

    2026 Dogwood Dr, Sumas, WA 98295
  • /4

    $425,000

    • Land
    • 2.06 Acres
    • $206,311 per Acre

    1440 Birch Bay Lynden Rd, Lynden, WA 98264

    Level 2+ acre site close to Lynden with a view of the mountains! Shared well has been put in and electricity is in the street. Good soil with no wetlands. Excellent location, great views... bring your plans and build your dream home!

    Jerry Blankers Muljat Group

    1440 Birch Bay Lynden Rd, Lynden, WA 98264
  • /37

    $798,500

    • 2 Beds
    • 3 Baths
    • 3,698 Sq Ft

    1379 Gulf Rd, Point Roberts, WA 98281

    Exceptional Commercial & Residential Opportunity. Generous 0.86-acre ocean-view lot zoned Small Town Commercial, this versatile property offers endless potential-perfect for investors, entrepreneurs, or lifestyle seekers. Formerly a thriving restaurant, the main level comes equipped with a high-end commercial kitchen & spacious dining areas. The 2nd level features a beautifully finished 1322

    Wayne Lyle RE/MAX Whatcom County, Inc.

    1379 Gulf Rd, Point Roberts, WA 98281
  • /33

    $649,900

    • 3 Beds
    • 1 Bath
    • 1,590 Sq Ft

    2605 Mill Ave, Bellingham, WA 98225

    Located on a quiet dead-end street in a desirable South-end neighborhood, this home offers excellent sun exposure and Chuckanut Mountain views. The south-facing living, dining & kitchen fill the home with natural light year-round. Features include custom cherry cabinets with pull-out shelving, original built-in closets and hardwood floors, brand new carpet, a large detached 2-car garage and

    Chet Kenoyer Windermere RE Whatcom, Inc.

    2605 Mill Ave, Bellingham, WA 98225
  • /36

    $812,000 New Construction

    • 3 Beds
    • 2.5 Baths
    • 1,908 Sq Ft

    4308 Creston Way, Bellingham, WA 98226

    Experience refined comfort and modern design at Crossridge - a collection of brand-new single-family homes thoughtfully crafted with architectural integrity and timeless design. With elevated finishes and carefully curated interiors, each residence offers the feel and quality of a custom home. The “Euclid” model showcases a sophisticated open-concept floor plan designed for modern living and

    Carla Moore eXp Realty

    4308 Creston Way, Bellingham, WA 98226

Showing Results 481 - 520, Page 13 of 18

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