1,516

Whatcom County WA Homes for Sale

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  • /40

    $84,000

    • 1 Bed
    • 1 Bath
    • 316 Sq Ft

    21 2 Wilderness Way, Deming, WA 98244

    This spectacular 2007 Breckenridge Park Model at The Glen is the perfect Mt. Baker retreat, offering plenty of sleeping space. The inviting interior features a center-island kitchen, loft sleeping quarters, and a primary bedroom in the park model. A 310+ sq. ft. add-a-room includes a private bedroom with king-size bed. The property backs to a large greenbelt with a private firepit area and

    Tracey McCormick Coastal Realty

    21 2 Wilderness Way, Deming, WA 98244
  • /29

    $43,000

    • 1 Bed
    • 1 Bath
    • 232 Sq Ft

    81 3 Sunset Cir, Deming, WA 98244

    Are you a camper or a glamper? This one works for both! The side addition built in 2015 feels just like your own living room with an a extra 242 sqft. Knotty pine covers the walls, ceiling and loft. Vinyl plank floors. A cozy gas fireplace for those cooler evenings and pull out couch that sleeps two. A ladder leads to a cool loft that sleeps two as well. The trailer sleeps four and has a

    Janelle Rodriguez Weichert Realtors Vanson Assoc

    81 3 Sunset Cir, Deming, WA 98244
  • /11

    $40,000

    • Land
    • 0.08 Acre
    • $500,000 per Acre

    1074 Birch Ln, Sumas, WA 98295

    Your own camping getaway at Paradise Lakes Country Club. This well maintained lot includes a large new RV port with a huge covered deck. Spacious open space and fire pit provide room for all to enjoy. Lot backs to a green space for added privacy. A Community main hall offers a kitchen and entertainment space including TV room, billiards, foosball and a heated indoor pool! Outdoor play areas with

    Serge Mkrtchyan Windermere Real Estate/M2, LLC

    1074 Birch Ln, Sumas, WA 98295
  • /32

    $79,000

    • Land
    • 0.16 Acre
    • $500,317 per Acre

    14 Woodpecker Place, Bellingham, WA 98229

    Shovel ready construction lot in the desirable Sudden Valley Gate 2 neighborhood! This private parcel is located in a quiet cul-de-sac at the end of the street & is bordered by an HOA greenbelt on 2 sides. The County approved building plans (included w/ sale) features a 2,500+ sq ft 4 bedroom/3 bathroom (half, 3/4 & full) set back well off the street. The entrance to the parcel is 30 ft wide and

    Khalil Nakano Kaizen Realty

    14 Woodpecker Place, Bellingham, WA 98229
  • /40

    $1,045,000

    • 3 Beds
    • 3 Baths
    • 2,257 Sq Ft

    5180 Penny Ln, Bellingham, WA 98226

    Stunning 5-acre property in prime mid-county location! This 2,257 SF single-level home features an open layout, kitchen with generous pantry & large den/office. Expansive primary suite offers private deck access with hot tub, walk-in closet & luxurious bath with dual sinks, soaking tub & walk-in shower. Efficient heat pump provides reliable heating & cooling year-round. Enjoy incredible outdoor

    Joshua Shiflett Windermere Real Estate Whatcom

    5180 Penny Ln, Bellingham, WA 98226
  • /27

    $875,000

    • 3 Beds
    • 2 Baths
    • 1,148 Sq Ft

    510 13th St, Bellingham, WA 98225

    Discover a rare South Hill gem in Bellingham! This charming 1929 bungalow offers stunning Bellingham Bay and mountain views from its two-story layout. Nestled in a lush "Secret Garden," it's just minutes from Fairhaven shops, Taylor Dock, Boulevard Park, and scenic trails. Featuring 3 upstairs bedrooms and 2 baths (one a 3/4 mudroom bath perfect for pets or gardening), this home includes a

    Judy Gratton eXp Realty

    510 13th St, Bellingham, WA 98225
  • /34

    $435,000 Open Sat 1:30PM - 3:30PM

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

    5565 Hillvue Rd, Blaine, WA 98230

    First time home buyer alert! Sweet home in quiet location in Birch Bay blocks to the beach. Welcome the sea breezes into this bright & airy home. Only 3 years new, this home offers the most up to date finishes & color tones. Relax in the open floorplan between the living, dining & kitchen creates a spacious feel. A large kitchen island makes the perfect eating bar. Newer appliances included &

    Leslie Hobkirk Windermere Real Estate Whatcom

    5565 Hillvue Rd, Blaine, WA 98230
  • /40

    $455,000

    • 2 Beds
    • 1.5 Baths
    • 1,288 Sq Ft

    5556 Salish Rd, Blaine, WA 98230

    Follow your dreams to Birch Bay Village. This darling home in the Village is an estate sale just waiting for the next full time or part time owners. 1,288 square feet on 2 levels, 2 beds with a loft & 1 and 1/2 baths. Natural gas free standing stove for extra cozy heat. Large 11,164 sq. ft. lot with partial bay views from the upper floor. Detached garage and full concrete crawl space. Current

    Ron Kulman Birch Bay Realty Inc.

    5556 Salish Rd, Blaine, WA 98230
  • /30

    $619,500

    • 3 Beds
    • 2 Baths
    • 1,702 Sq Ft

    7947 E Golf Course Dr, Blaine, WA 98230

    Discover coastal living at its finest in this charming rambler, nestled within the gated Sea Links community. Step inside to find a spacious flowing layout, vaulted ceilings, fresh paint, and new plush carpet. The backyard is an entertainer’s dream, featuring two decks with scenic views of the golf course. This prime location offers a true coastal lifestyle, just an easy stroll from the vibrant

    Alexis Martz TRELORA Realty, Inc.

    7947 E Golf Course Dr, Blaine, WA 98230
  • /24

    $60,000 Open Sun 12PM - 2PM

    • 2 Beds
    • 1 Bath
    • 864 Sq Ft

    1200 Lincoln St Unit 424, Bellingham, WA 98229

    **Motivated Seller** Welcome to this affordable and inviting 2-bedroom, 1-bath home that offers comfortable, low-maintenance living just minutes from shops, restaurants, and I-5 access. The large, covered porch is perfect for relaxing or enjoying your morning coffee. Additional highlights include a spacious living area, brand new dryer, efficient heat pump with A/C, covered carport parking,

    Corrie Housley Keller Williams Western Realty

    1200 Lincoln St Unit 424, Bellingham, WA 98229
  • /40

    $42,500

    • 1 Bed
    • 1 Bath
    • 396 Sq Ft

    187 Fireside Lodge Cir, Maple Falls, WA 98244

    Cozy, one owner Park Model close to Fireside Lodge offers easy access to pool, hot tub and sauna! Conveniently located to basketball court, playground, laundry, library and comfort station, all amenities are a short stroll away. Covered deck, shed, & gas fireplace make this sweet spot a comfortable gem. The Glen is zoned ‘recreational 120 days per year.’In addition to proximity to Mt. Baker, The

    Mark Frye RE/MAX Whatcom County, Inc.

    187 Fireside Lodge Cir, Maple Falls, WA 98244
  • /15

    $300,000

    • Land
    • 0.42 Acre
    • $714,286 per Acre

    58 Seabright Loop, Point Roberts, WA 98281

    One of the largest lots in Seabright this 0.42 acre lot offers stunning ocean views, and an unbeatable location just steps from the community center, swimming pool, hot tubs, cottage and gardens. Rare, fully serviced and ready to build, with underground utilities in place, a pre-paid water connection, and access to the community septic system. Enjoy both privacy and open space with one

    Lindsay Loreen RE/MAX Whatcom County, Inc.

    58 Seabright Loop, Point Roberts, WA 98281
  • /39

    $875,000

    • 2 Beds
    • 1 Bath
    • 1,295 Sq Ft

    4144 Saltspring Dr, Ferndale, WA 98248

    Welcome to this beautifully maintained 2 bed + open loft, 1 bath waterfront home in the desirable Sandy Point community! Enjoy fiery sunrises from the freshly stained deck overlooking 62' of waterfront with low bank access for easy kayak & SUP launch. East-facing with gorgeous backdrop of Mt. Baker & Twin Sisters, this charming, updated beach house features soaring tongue & groove ceilings, an

    Ashley Scrupps John L. Scott Snohomish

    4144 Saltspring Dr, Ferndale, WA 98248
  • /40

    $599,000

    • 3 Beds
    • 2.5 Baths
    • 2,104 Sq Ft

    2104 Birch Cir Unit 5C, Bellingham, WA 98229

    Move-in ready townhouse condo, nestled in a highly sought-after community. This spacious 3-bedroom, 2.5-bath townhome offers abundant privacy and natural light, with a cozy gas fireplace in the living room that seamlessly connects to the dining area and kitchen. Enjoy outdoor living on your large private sunny deck or relax on the patio below. With a 2-car attached garage and ample parking,

    Brady DenBleyker Windermere Real Estate Whatcom

    2104 Birch Cir Unit 5C, Bellingham, WA 98229
  • /40

    $930,000 Open Sat 1PM - 2:30PM

    • 4 Beds
    • 3.5 Baths
    • 3,382 Sq Ft

    599 Loomis Trail Rd, Lynden, WA 98264

    Beautiful spacious 1-acre property just outside Lynden city in a peaceful neighborhood of large lots and farmland. Updated single-level w/ vaulted ceilings, skylights, & a chef’s kitchen featuring custom cabinets, huge island, double ovens, pot filler, beverage fridge. Two primary suites with en suite baths, one with sitting/office area & patio access. Detached barn-style shop with 2 bays, loft,

    Michael Shkurat RE/MAX Whatcom County, Inc.

    599 Loomis Trail Rd, Lynden, WA 98264
  • /29

    $350,000

    • 2 Beds
    • 1.5 Baths
    • 840 Sq Ft

    7806 Birch Bay Dr Unit 308, Blaine, WA 98230

    Updated and upgraded, don't miss this modernized water view home in the sought after Jacob's Landing complex! This is the ideal full or part time residence + Jacob's Landing allows for short term vacation rentals, creating a fantastic addition to your investment portfolio. Soaring ceilings set the tone and you'll love the flexibility of having bedrooms and bathrooms on both levels. Delightful

    Jennifer Freeman Windermere Real Estate Whatcom

    7806 Birch Bay Dr Unit 308, Blaine, WA 98230
  • /40

    $699,000 Open Sat 1PM - 3PM

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

    8635 Cambridge Loop, Blaine, WA 98230

    Ever dreamed of owning a one of a kind Craftsman home? Like anything, photos don't do it justice. This beautiful home features solid woodwork and premium finishes, unique leaded glass doors and details, large welcoming entry, high ceilings, quality craftsmanship & Primary owner's suite on main level with lots of natural light, large bath with soaker tub, tile shower and private water closet.

    Vanessa Treadway John L. Scott Bellingham

    8635 Cambridge Loop, Blaine, WA 98230
  • /18

    $180,000

    • Land
    • 4.97 Acres
    • $36,217 per Acre

    0 xxx Brown Rd, Ferndale, WA 98248

    Unleash the potential of nearly 5 private acres just N of Bellingham, now offered at an unbeatable price! This property is a builder’s dream or an investor’s canvas with the groundwork laid with a 4-bed septic system, shared + private wells, & ready for construction. Yes, the southern portion needs attention, but that’s where vision turns into serious equity. Whether you're planning a private

    Melanie Hawkins Hawkins Poe

    0 xxx Brown Rd, Ferndale, WA 98248
  • /39

    $727,000

    • 3 Beds
    • 2.5 Baths
    • 2,125 Sq Ft

    2721 Mcleod Rd, Bellingham, WA 98225

    Bordering the scenic 2nd green of the Bellingham Country Club, this impeccably cared-for 3BD/2.5BA home offers a rare opportunity to own in one of Bellingham’s most serene and private settings. Unobstructed views and no rear neighbors create a peaceful, park-like backdrop. Inside, enjoy timeless finishes like oak floors, granite countertops, generous cabinetry, and a wood-burning fireplace on

    Anthony Zapata Keller Williams Western Realty

    2721 Mcleod Rd, Bellingham, WA 98225
  • /19

    $305,000

    • 1 Bath
    • 2,228 Sq Ft

    1929 Baltic Way Unit C110, Ferndale, WA 98248

    Like-new & in excellent condition, this corner unit in Pioneer Flexspace Condominiums offers flexibility & convenience in prime location just off I-5! Featuring 2,228 SF of storage & workspace, this unit offers 1,516 SF on the main level & includes 712 SF loft. All three front entry doors upgraded with UV protectant flat glass treatment. Highlights include 2 insulated, roll-up doors (14’x14’ &

    Joshua Shiflett Windermere Real Estate Whatcom

    1929 Baltic Way Unit C110, Ferndale, WA 98248
  • /17

    $165,000

    • Land
    • 8.96 Acres
    • $18,415 per Acre

    8429 Harborview Rd, Blaine, WA 98230

    Estate acreage/dream home buyers ALERT! This 8.96 acre parcel offers ample forested acreage and has extensive wetlands throughout all parts of the parcel. Build your dream home amongst the trees with county approval of building site as putting in access and drawing in sewer, water and power from Harborview requires impacting known wetlands portions. Property located a short walk to the Birch Bay

    Terry Conway Epique Realty

    8429 Harborview Rd, Blaine, WA 98230
  • /17

    $375,000

    • Land
    • 19.43 Acres
    • $19,300 per Acre

    3050 Slater Rd, Ferndale, WA 98248

    Shy 20-acre view property zoned AG with exceptional Mount Baker and Twin Sisters view. Excellent soils for farming in an area rich with crop and livestock production history. Property is currently in OSAG making taxes very affordable. This property is higher elevation than the surrounding acreage and hasn't experienced flooding. Power in the street, estimate for well available, excellent location

    Allison Trimble Coastal Realty

    3050 Slater Rd, Ferndale, WA 98248
  • /27

    $540,000

    • 3 Beds
    • 2.5 Baths
    • 2,451 Sq Ft

    125 Park Dr, Point Roberts, WA 98281

    Large two-level Craftsman home features open-concept design and quality finishes. The main level includes a kitchen with a large island/breakfast bar and nook, a great room with a propane fireplace, a formal dining room, a powder room, and an office/den. Upstairs, you'll find multiple bedrooms, a laundry room, a large games room, and a full bathroom. The primary suite features a vaulted ceiling,

    Dan Schroeder Boundary Bay Realty LLC

    125 Park Dr, Point Roberts, WA 98281
  • /31

    $37,500

    • 1 Bed
    • 1 Bath
    • 450 Sq Ft

    32 4 Branch Cir, Deming, WA 98244

    This property is back on the market now that it has been updated, including; additional space in the bathroom, new kitchen counter with a larger sink, new hot water heater, rebuilt subfloor in trailer, new fuse panel, new baseboard heating, and great new bunks used for storage in the shed. The previous damage was caused by water that gained entry via flashing that was not installed correctly. Now

    Mark Frye RE/MAX Whatcom County, Inc.

    32 4 Branch Cir, Deming, WA 98244
  • /25

    $750,000

    • 1 Bed
    • 0.5 Baths
    • 252 Sq Ft

    7326 Mount Baker Hwy, Deming, WA 98244

    Prime 15-acre parcel Located a stones throw away from downtown Maple Falls. Zoned R5A with potential to subdivide into three 5-acre lots (buyer to verify). That's 3 parcels of land at $250k a piece! Front 5 Acres is cleared & Build-ready with private well & pump house, power connected, 3 Bed septic system installed. Cabin is gutted, ready to be restored & a pre existing manufactured home pad

    Micah Klemmeck eXp Realty

    7326 Mount Baker Hwy, Deming, WA 98244
  • /29

    $1,100,000

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

    3817 E Sunset Dr, Bellingham, WA 98226

    Development opportunity with this Estate Sale. Property has enough land to accommodate 51 units using The Infill Tool Kit. Property has an existing 2 bedroom home and huge shop to generate income while going through the development hoops. The home is very liveable and two of the heirs of the estate are living on the estate until it sells. The gas stove in the huge livingroom provides adequate

    Dan Pittsenbarger Keller Williams Western Realty

    3817 E Sunset Dr, Bellingham, WA 98226
  • /4

    $279,000

    • 2 Beds
    • 1 Bath
    • 672 Sq Ft

    8484 Alder Way, Blaine, WA 98230

    Located on quiet cul-de-sac with southwest-facing sunny exposure. Large (8700ft) triangular lot. Public water & sewer hookup and all fees paid. Fix it up, build a home, or bring in a new mfg. home - you have many choices. Owner financing available. Call your agent for details.

    Grant Dalgliesh Skyline Properties, Inc.

    8484 Alder Way, Blaine, WA 98230
  • /40

    $1,035,000

    • 3 Beds
    • 3 Baths
    • 2,028 Sq Ft

    271 E Bartlett Rd, Lynden, WA 98264

    Welcome to your dream country retreat! Perfectly positioned between Lynden and Bellingham, this beautifully maintained single-story home offers unmatched panoramic views of Mount Baker and the surrounding countryside. Whether you're an equestrian enthusiast or simply seeking a peaceful rural lifestyle, this property has it all. Set on a serene and usable parcel, the home features fenced pastures,

    Kevin Hoksbergen Windermere Real Estate Whatcom

    271 E Bartlett Rd, Lynden, WA 98264
  • /17

    $68,900

    • Land
    • 0.23 Acre
    • $297,753 per Acre

    168 Tyee Dr, Point Roberts, WA 98281

    Enjoy tons of sunshine on this large cleared building lot! A well built storage shed and steel fire pit are already in place, providing immediate outdoor enjoyment. Great location to build your future dream home! Previous site & soil evaluation shows ideal results for a septic system. Don't miss out on this wonderful property!

    Dan Schroeder Boundary Bay Realty LLC

    168 Tyee Dr, Point Roberts, WA 98281
  • /40

    $754,000

    • 4 Beds
    • 2.5 Baths
    • 1,910 Sq Ft

    1368 Roma Rd, Bellingham, WA 98226

    A retreat in the Northern Heights neighborhood; This spacious 4-bdrm, 2.5-bath home offers comfort and privacy, backing to a serene, open green space. Built in 1995, the home has been refreshed with brand new interior paint and carpet, making it move-in ready. The thoughtful layout features generous living and dining spaces, a sunny kitchen with breakfast nook, and a cozy family room perfect for

    Nikki Quinn Hammer Properties NW Inc.

    1368 Roma Rd, Bellingham, WA 98226
  • /13

    $224,000

    • Land
    • 0.42 Acre
    • $533,333 per Acre

    2128 Seabright Loop, Point Roberts, WA 98281

    Build your dream home at Seabright Farm in Point Roberts, just 30 minutes from Vancouver, BC! This south-facing 0.41-acre lot comes with an active building permit and offers sweeping views of the Pacific Ocean, Gulf Islands, and San Juan Islands. Over $40,000 has already been invested, including water connection, surveys, soil testing, septic design/permit, HOA approval, plus custom home and

    Sahiry Ireland HomeSmart One Realty

    2128 Seabright Loop, Point Roberts, WA 98281
  • /23

    $289,000

    • 2 Beds
    • 1 Bath
    • 985 Sq Ft

    3100 Bill McDonald Pkwy Unit E302, Bellingham, WA 98225

    Highly desirable top floor 2 bed/1 bath condo near WWU!This spacious unit has vaulted ceilings and a cozy wood-burning fireplace with a private balcony featuring beautiful views of the trees/mountains and contains extra storage.The updates since seller's ownership include:new carpet,new paint,new washer&dryer,new range hood,new oven,and new fridge.There is 1 reserved parking space close to unit

    Stephanie McSorley Hansen Group Real Estate Inc

    3100 Bill McDonald Pkwy Unit E302, Bellingham, WA 98225
  • /26

    $495,000

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

    2948 Arnie Rd, Custer, WA 98240

    Experience tranquil Custer living in this updated 2 bed, 1 bath home! A NEW ROOF, WINDOWS, HEATING SYSTEM, AC, and HOT WATER HEATER (all within the last 3 years) enhance comfort. Situated on a .74 acre lot backing Grandview Golf Course, enjoy easy I-5 access to Blaine, Lynden, Ferndale, Birch Bay, Semiahmoo and US/CAN Border. Inside: Updated floors, stone fireplace, and picture window. Outside:

    CeCelia Breivik Epique Realty

    2948 Arnie Rd, Custer, WA 98240
  • /14

    $950,000

    • Land
    • 6.15 Acres
    • $154,472 per Acre

    8055 Blaine Rd, Blaine, WA 98230

    Develop, Renovate, or Create: A Rare Opportunity on Blaine Road. An incredible opportunity awaits. With its desirable location and expansive potential, this property is a canvas for your vision. Whether an ambitious developer or a builder looking for a next project, this versatile lot offers many possibilities. Wetlands and Soil Maps available.

    Paul Blacksmith CENTURY 21 North Homes Realty

    8055 Blaine Rd, Blaine, WA 98230
  • /40

    $2,290,000

    • 3 Beds
    • 2.5 Baths
    • 1,817 Sq Ft

    1359 Olympic Way, Bellingham, WA 98225

    Tranquil and rare beachfront property with NO TRAIN crossings and sweeping 180 south-facing views of Bellingham Bay, San Juan Islands and the Olympic Mtns. Enjoy 58’ of private beachfront with switchback path for easy access. Become captivated by cinematic tideland vistas and abundant birdlife from the wraparound deck and floor-to-ceiling windows. Private yet convenient, live only 8 mins to

    Jessica Davis John L. Scott Bellingham

    1359 Olympic Way, Bellingham, WA 98225
  • /40

    $630,000

    • 3 Beds
    • 2.5 Baths
    • 1,962 Sq Ft

    409 Holland Ave, Bellingham, WA 98226

    Experience 1,536 sq ft of inviting living space in the desirable Meridian School District. The open-concept main floor boasts new wide plank LVT flooring, a bright living area with a cozy gas fireplace, a spacious kitchen, and a large dining room. Upstairs features a large primary suite with a dual sink vanity in the 3/4 bath and a walk-in closet, plus two additional bedrooms that share a full

    Lynda Hinton Windermere Real Estate Whatcom

    409 Holland Ave, Bellingham, WA 98226
  • /26

    $79,000

    • 2 Beds
    • 2 Baths
    • 1,152 Sq Ft

    4015 Eliza Ave Unit 120, Bellingham, WA 98226

    Convenient! This affordable home in a pet friendly, all ages park is so close to everything you might not need a car. Just a quick walk to shopping, entertainment and dining, on the bus line when you don't feel like walking, or a convenient carport and additional parking for your vehicles. Home has updated flooring and a brand new heat pump to keep you warm in the winter and cool in the summer.

    Lyle Sorenson Windermere Real Estate Whatcom

    4015 Eliza Ave Unit 120, Bellingham, WA 98226
  • /40

    $580,000

    • 3 Beds
    • 3 Baths
    • 1,502 Sq Ft

    8155 Comox Loop, Blaine, WA 98230

    Great home in a quiet area along side of a creek which you could rent out the bottom level because of separate bath and kitchen downstairs. 3 bedrooms with lots of different opportunities. A very peaceful location alongside a creek in the back yard. A storage building alongside of the house and extra parking off to the side. This home is in a gated community that is golf cart approved for all of

    Lester Van Mersbergen Windermere Real Estate Whatcom

    8155 Comox Loop, Blaine, WA 98230
  • /27

    $535,000

    • 3 Beds
    • 2 Baths
    • 1,452 Sq Ft

    1077 Hampton Rd, Lynden, WA 98264

    Settle into country living, literally a couple of minutes to downtown Lynden! This beautifully remodeled farmhouse was updated top to bottom just a few years ago, blending modern comfort with rustic charm. Rare for its era, it has two full bathrooms, a spacious kitchen with a ton of storage, walk-in pantry, and a laundry room w/extra storage. Cozy & inviting with charm in every corner, it’s fully

    Charlotte Wells Windermere Real Estate Whatcom

    1077 Hampton Rd, Lynden, WA 98264
  • /39

    $599,000

    • 3 Beds
    • 1.5 Baths
    • 1,700 Sq Ft

    7036 Rainier Way, Deming, WA 98244

    Perfect Year-Round Escape! Well-maintained cabin in the desirable gated Snowline community! Spacious 1,700 sq ft, 3 bed / 2 bath features a vaulted ceilings, 2nd story loft (3rd bedroom), warm wood accents, stainless appliances, a cozy propane fireplace, and an open-concept layout ideal for entertaining. Enjoy the spacious double deck, large mudroom, and high-speed internet for all of your

    Nick Berard Keller Williams Western Realty

    7036 Rainier Way, Deming, WA 98244

Showing Results 481 - 520, Page 13 of 18

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