Wilmington, NC Homes for Sale under $400,000

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  /50

  $340,000

  • 4 Beds
  • 2 Baths
  • 1,257 Sq Ft

  233 Buff Cir, Wilmington, NC 28411

  Set on a generous .41-acre lot with mature landscaping, this brick home offers both comfort and versatility in a desirable Ogden location. Inside, the thoughtful layout includes a bright kitchen/dining combo space with a glass-top stove, built-in microwave, dishwasher, and a window above the sink. The primary suite features its own full bath, while two additional bedrooms and a second full bath

  Dawn Lagomarsino Nest Realty

  233 Buff Cir, Wilmington, NC 28411
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  /26

  $379,990 New Construction

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

  5 W Belmont Dr, Wilmington, NC 28411

  The Bennet floorplan is available in our Blake Farm community in Wilmington, North Carolina. This charming layout features an open-concept main level. Inside the 3 bedroom, 2.5-bathroom home, you’ll find 1,441 square feet of comfortable living. The living area is an open concept, where your kitchen, living, and dining areas blend seamlessly into a space perfect for everyday living and

  D.R. Horton Builder

  5 W Belmont Dr, Wilmington, NC 28411
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  /33

  $350,000

  • 4 Beds
  • 3 Baths
  • 1,440 Sq Ft

  8010 Sweetgrass Ct, Wilmington, NC 28412

  Location, location, location + low maintenance living near the Beach! This 4-BR/3-BA home sits just minutes from Carolina Beach in the charming coastal community of Coral Ridge. It features a rocking chair front porch, open floor plan, volume ceilings, stainless appliances, a private fenced back yard and patio, and on-site storage. You'll also enjoy fresh paint and new carpet. The neighborhood

  Pam Kersting Intracoastal Realty Corporation

  8010 Sweetgrass Ct, Wilmington, NC 28412
• 

  

  

  /34

  $319,500

  • 3 Beds
  • 1 Bath
  • 1,063 Sq Ft

  133 Woodberry Ct, Wilmington, NC 28411

  Come see this updated and lovingly cared for cottage in Smith Creek Estates. This one level home is ready for it's next owner perfect for a first time purchase or downsize option. Recent updates make this an easy choice including LVP flooring, ceiling fans throughout, newer kitchen with granite, shaker cabinets, stainless appliances and custom washer/dryer closet. The bathroom has received a

  Ben Szafran Keller Williams Innovate-Wilmington

  133 Woodberry Ct, Wilmington, NC 28411
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  /32

  $399,000

  • 1 Bed
  • 1 Bath
  • 577 Sq Ft

  106 N Water St Unit 708, Wilmington, NC 28401

  Enjoy amazing views of the Cape Fear River from this beautiful waterfront condo in a prime downtown location. This 1 bedroom, 1 bathroom condo is located on the 7th floor of the Water Street Center building and features great views of the Battleship. The large sliding glass doors in the open concept living area provide plenty of sunlight. The kitchen has been updated with tile walls, stainless

  Kim Myers Carmichael Real Estate

  106 N Water St Unit 708, Wilmington, NC 28401
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  /24

  $375,000

  • 2 Beds
  • 2 Baths
  • 850 Sq Ft

  5326 Masonboro Loop Rd, Wilmington, NC 28409

  Rare Find-NO HOA-1/2 acre lot in Monkey Junction only 10 mins to beach. Remodeled 2 bedroom 2 full bath bungalow. Currently short term turn-key rental-STR, completely furnished, great investment or just bring your clothes and move in. Why pay rent when Owner is Seller Financing. Cute as a button, with all new furniture, completely remodeled kitchen, new cabinets, granite counter tops, stainless

  Rhonda Batchelor Atlantic Real Estate, Inc.

  5326 Masonboro Loop Rd, Wilmington, NC 28409
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  /44

  $340,000

  • 3 Beds
  • 1 Bath
  • 1,349 Sq Ft

  4509 Kings Dr, Wilmington, NC 28405

  Welcome to a rare find in one of Wilmington's established and desirable areas. Located in the sought-after Kings Grant corridor of Wilmington, NC, 4509 Kings Drive is a fully reimagined brick ranch that blends timeless construction with striking modern updates and it is anything but ordinary.Set among winding streets and mature landscaping, this home offers the charm of a classic neighborhood

  Living By The Coast Living by the Coast Realty Group LLC

  4509 Kings Dr, Wilmington, NC 28405
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  /32

  $319,999 New Construction

  • 3 Beds
  • 2.5 Baths
  • 1,418 Sq Ft

  38 Cashmere Ct Unit 6, Wilmington, NC 28411

  New Townhome Construction! The Willows at Blake Farm in Wilmington, North Carolina. The Pearson is a 3 bedroom, 2.5 bath, 1,418 square feet, two-story floor plan with a single-car garage. The kitchen overlooks the dining and living spaces, ideal for entertaining guests or enjoying family time while preparing meals with new stainless-steel appliances, walk-in pantry and granite countertops. You’ll

  D.R. Horton Builder

  38 Cashmere Ct Unit 6, Wilmington, NC 28411
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  /38

  $315,000

  • 2 Beds
  • 2.5 Baths
  • 1,180 Sq Ft

  2030 Albert Cir, Wilmington, NC 28403

  Welcome to this beautifully updated condo in the highly sought-after Birch Creek community. Thoughtfully upgraded from top to bottom, this home blends modern comfort with long-term peace of mind. The remodeled kitchen (2021) features high-quality Scholar cabinetry with all-plywood construction, elegant marble countertops, an induction stove, and a newer refrigerator -perfect for everyday living

  Aspyre Realty Group eXp Realty

  2030 Albert Cir, Wilmington, NC 28403
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  /43

  $385,000

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

  7405 Springwater Dr, Wilmington, NC 28411

  Welcome home to this beautifully maintained, one-owner townhouse ideally located just minutes from Mayfaire Town Center and the pristine shores of Wrightsville Beach. Offering a blend of comfort, convenience, and coastal lifestyle, this 3-bedroom, 2.5-bath home is move-in ready and thoughtfully designed for everyday living. Step inside to find sun-filled windows that create a bright and inviting

  Team KBT Realty Keller Williams Innovate-KBT

  7405 Springwater Dr, Wilmington, NC 28411
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  /57

  $324,900

  • 3 Beds
  • 2.5 Baths
  • 1,756 Sq Ft

  114 S 16th St, Wilmington, NC 28401

  The perfect blend of charm and convenience in this beautifully updated home set in the vibrant heart of Wilmington. Ideally located near the trendy Soda Pop District, Carolina Place, Jengo's Playhouse, and the energy of Historic Downtown, you'll enjoy quick access to the city's most popular destinations, with midtown just minutes away. Inside, an inviting open layout seamlessly connects the

  The Domenico Grillo Real Estate Team Keller Williams Innovate-Wilmington

  114 S 16th St, Wilmington, NC 28401
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  /49

  $304,900

  • 3 Beds
  • 1.5 Baths
  • 1,040 Sq Ft

  917 Grace St, Wilmington, NC 28401

  Check out this turnkey 3-bedroom, 2-bath home offering an open floor plan, a fenced-in backyard, and everyday convenience. Built in 2019, many components remain under warranty, providing added peace of mind. With no HOA or rental restrictions, this property offers excellent flexibility as a primary residence, Airbnb, or long-term rental. Currently owner-occupied, it has been well maintained and

  The Domenico Grillo Real Estate Team Keller Williams Innovate-Wilmington

  917 Grace St, Wilmington, NC 28401
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  /18

  $325,000 Open Sun 11AM - 2PM

  • 2 Beds
  • 2.5 Baths
  • 1,325 Sq Ft

  933 S 8th St, Wilmington, NC 28401

  A MUST SEE! This lovely 2 story 2-bedroom, 3-bath home is conveniently located to all Downtown Wilmington has to offer - shops, restaurants, entertainment, the Cape Fear Riverwalk - as well as to Greenfield Lake Amphitheater & Park. Enter your new home via the covered front porch and step into the bright Living Room. Also on the first level: a formal Dining Room, Kitchen, Half-Bath and Laundry

  Garison Kaufman Delmar Properties LLC

  933 S 8th St, Wilmington, NC 28401
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  /47

  $369,000

  • 3 Beds
  • 2.5 Baths
  • 1,721 Sq Ft

  807 Cheryl Ln, Wilmington, NC 28405

  Welcome to this beautifully cared-for 3-bedroom, 2.5-bath home offering 1,721 square feet of inviting living space, nestled in a desirable, established neighborhood with no HOA. Ideally situated just minutes from downtown Wilmington, local beaches, popular restaurants, and shopping, this home combines everyday convenience with coastal charm. Enjoy outdoor living year-round on the covered back

  Coby Chavis Intracoastal Realty Corporation

  807 Cheryl Ln, Wilmington, NC 28405
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  /15

  $375,000

  • Land
  • 5.54 Acres
  • $67,690 per Acre

  5.5 Ac Plantation Rd, Wilmington, NC 28411

  Heavily wooded 5.54 acre lot near military cutoff and I 140, there is a 10-foot easement on East and West side of the property and a 30 foot easement on the North and south side.

  Nolan Beaver Coldwell Banker Sea Coast Advantage

  5.5 Ac Plantation Rd, Wilmington, NC 28411
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  /22

  $399,000

  • 4 Beds
  • 2 Baths
  • 1,570 Sq Ft

  4922 Shelley Dr, Wilmington, NC 28405

  Welcome to this beautifully remodeled 4 bedroom, 2 bath, brick ranch style home in highly desirable Kings Grant! This stunning home sits on almost half an acre surrounded by lush landscaping and offers a large fenced backyard with plenty of privacy. Featuring a wonderful open floor plan perfect for entertaining. Recent renovations include new kitchen cabinets, granite countertops, herringbone

  ANDY HAJEK Coastal Properties

  4922 Shelley Dr, Wilmington, NC 28405
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  /43

  $379,990 New Construction

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

  5 W Belmont Dr Unit Lot 15, Wilmington, NC 28411

  Welcome to The Pines at Blake Farm! The Bennett is a 2-story, 3-bedroom, 2.5-bathroom home with 1414 square feet of open living space. Its centerpiece is the showstopper kitchen, featuring a large island, stainless steel appliances, single basin sink, Quartz countertops, and a spacious pantry. This floor plan is perfect for entertaining or relaxing in style. The Primary Suite offers a massive

  Team D.R. Horton D.R. Horton, Inc

  5 W Belmont Dr Unit Lot 15, Wilmington, NC 28411
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  /38

  $379,500

  • 3 Beds
  • 2.5 Baths
  • 1,853 Sq Ft

  233 Racine Dr Unit 59, Wilmington, NC 28403

  The best of both worlds merge at Ashton. Once you turn into the entrance, you are struck by the contrast of quiet, tree lined streets accenting attractive brick townhomes. The location facilitates easy access to shopping, dining, Wrightsville Beach, UNCW, and a quick drive to downtown to experience all this vibrant city has to offer. This light filled end unit has been freshly painted, new

  Nan Weiss Intracoastal Realty Corporation

  233 Racine Dr Unit 59, Wilmington, NC 28403
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  /13

  $364,000

  • 5 Beds
  • 2 Baths
  • 1,792 Sq Ft

  509 Walnut St, Wilmington, NC 28401

  This prime real estate opportunity in Downtown Wilmington, NC features a duplex with 3 bedrooms and 1.5 bathrooms in one unit and 2 Bedroom and 1 bath in the other. . Located in a high-demand area, this property is ideal for investors seeking robust rental yields or owner-occupants looking to live in one unit while generating income from the other.

  Jeff Hovis Intracoastal Realty Corporation

  509 Walnut St, Wilmington, NC 28401
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  /77

  $339,500

  • 3 Beds
  • 2.5 Baths
  • 1,727 Sq Ft

  200 River Gate Ln, Wilmington, NC 28412

  Cape Fear River views and sunset skies! This well-maintained 3BR/2.5BA home in River Pointe features real wood flooring, custom woodwork and shelving, and a bright, functional layout. The kitchen includes granite countertops and tile backsplash. Enjoy low-maintenance living with HOA services that cover landscaping, exterior maintenance, and master insurance. Community amenities include a pool

  Micah Hendrix Coldwell Banker Sea Coast Advantage-CB

  200 River Gate Ln, Wilmington, NC 28412
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  /36

  $374,900

  • 3 Beds
  • 2.5 Baths
  • 1,438 Sq Ft

  720 S 9th St, Wilmington, NC 28401

  This like-new two-story home offers 3 bedrooms and 2.5 bathrooms with a bright, open floor plan designed for modern living. The interior features white shaker cabinets, beautiful granite countertops, a stylish tile backsplash, and durable gray luxury vinyl plank flooring throughout. Thoughtful upgrades include crown molding on the main level, custom wood closet shelving, and a spacious primary

  The Domenico Grillo Real Estate Team Keller Williams Innovate-Wilmington

  720 S 9th St, Wilmington, NC 28401
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  /25

  $395,000

  • 3 Beds
  • 2 Baths
  • 1,691 Sq Ft

  443 Vallie Ln, Wilmington, NC 28412

  This 3-bedroom, 2-bath home features an expansive family room anchored by a cozy fireplace--perfect for movie nights. The heart of the home is a spacious kitchen with a breakfast bar and dining area, ideal for everything from quick morning coffee to holiday feasts. Escape to the private master suite, where soaring volume ceilings and a deep soaking tub create a spa-like sanctuary. Dedicated

  Joy Morgan Intracoastal Realty Corporation

  443 Vallie Ln, Wilmington, NC 28412
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  /50

  $350,000

  • 3 Beds
  • 2 Baths
  • 1,178 Sq Ft

  7218 Sherbon Way, Wilmington, NC 28411

  If you are looking for a quality home in a peaceful cul de sac you found it! This adorable Farrington Farms home has been well maintained and ready for move in! Short term rentals allowed! The floor plan is highlighted by a bright, open kitchen, perfect for those who love to cook and entertain. For added convenience the refrigerator, washer and dryer are included. For added peace of mind you will

  Ariana Jo Intracoastal Realty Corporation

  7218 Sherbon Way, Wilmington, NC 28411
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  /45

  $329,000

  • 3 Beds
  • 2 Baths
  • 1,200 Sq Ft

  458 Mercer Ave, Wilmington, NC 28403

  Welcome to this beautifully renovated 4-bedroom, 2-bath single-family home in Wilmington -- no HOA and completely updated in 2026! This move-in-ready property features a Metal roof, brand-new flooring, fresh interior trim, and fully updated kitchen and bathrooms.The kitchen has white cabinetry, tile backsplash, recessed lighting, and stainless-steel appliances, creating a bright and

  White Singh & Associates Coldwell Banker Sea Coast Advantage-CB

  458 Mercer Ave, Wilmington, NC 28403
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  /25

  $349,900

  • 3 Beds
  • 1.5 Baths
  • 1,013 Sq Ft

  309 Richelieu Rd, Wilmington, NC 28412

  Great opportunity to own a charming brick ranch set on a nicely elevated lot! This home offers three bedrooms and one and a half baths, featuring a spacious living room that flows seamlessly into the dining/kitchen combo area--perfect for everyday living and entertaining. The kitchen has been thoughtfully updated with refaced cabinetry, offering an abundance of storage along with a convenient

  Jane Dodd Intracoastal Realty Corporation

  309 Richelieu Rd, Wilmington, NC 28412
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  /25

  $339,000

  • 3 Beds
  • 2 Baths
  • 1,062 Sq Ft

  605 Tisbury Ln, Wilmington, NC 28412

  This charming 3-bedroom, 2-bath home is perfectly situated on a peaceful cul-de-sac and offers attractive landscaping, a one-car garage, and a fully fenced backyard for added privacy. A detached storage building provides extra space, and the home is being sold fully furnished--making it truly move-in ready and ideal as a primary residence, second home, or investment opportunity. Inside, the open

  Chris Duggins Navigate Realty

  605 Tisbury Ln, Wilmington, NC 28412
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  /44

  $395,000

  • 3 Beds
  • 2 Baths
  • 1,509 Sq Ft

  4211 Spirea Dr Unit C, Wilmington, NC 28403

  Welcome to 4211 Spirea Dr in the new Camelia Trace community! This luxury townhome, built by Source Contracting Solutions, offers 3 spacious bedrooms, 2.5 bathrooms, and a one-car garage. The kitchen is designed with modern touches, featuring stainless steel appliances, white shaker cabinets, and a farmhouse-style sink. The bathrooms include elegant vanities and custom tile work in both the

  Jeremiah Barnett Keller Williams Innovate-Wilmington

  4211 Spirea Dr Unit C, Wilmington, NC 28403
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  /36

  $319,999 New Construction

  • 3 Beds
  • 2.5 Baths
  • 1,418 Sq Ft

  40 Cashmere Ct Unit 7, Wilmington, NC 28411

  New Townhome Construction! The Willows at Blake Farm in Wilmington, North Carolina. The Pearson is a 3 bedroom, 2.5 bath, 1,418 square feet, two-story floor plan with a single-car garage. The kitchen overlooks the dining and living spaces, ideal for entertaining guests or enjoying family time while preparing meals with new stainless-steel appliances, walk-in pantry and granite countertops. You’ll

  D.R. Horton Builder

  40 Cashmere Ct Unit 7, Wilmington, NC 28411
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  /48

  $375,000

  • 3 Beds
  • 2 Baths
  • 1,714 Sq Ft

  211 Waters Point Ct, Wilmington, NC 28412

  Welcome to River's Edge--where comfort, convenience, and coastal living come together in this beautifully maintained patio home.Step inside to an inviting open floor plan with soaring ceilings that fill the space with natural light, creating a bright and airy feel throughout. The seamless flow between the kitchen and living area makes everyday living effortless and provides the perfect

  Brian Bursell BlueCoast Realty Corporation

  211 Waters Point Ct, Wilmington, NC 28412
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  /23

  $359,900

  • Land
  • 10,890 Sq Ft
  • $1,439,600 per Acre

  1212-1218 Stroud Aly, Wilmington, NC 28401

  4 - ready to go lots at 1212, 1214, 1216, and 1218 Stroud Ally. There are tons of finished , new construction all around these and are very close to River Front of Downtown Wilmington along with all types of Restaurant's and shopping! These 4, already subdivided lots have permits already approved. All you need to do is pay the very affordable water tab fee and you can break ground right of way!

  The Domenico Grillo Real Estate Team Keller Williams Innovate-Wilmington

  1212-1218 Stroud Aly, Wilmington, NC 28401
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  /14

  $329,000

  • 3 Beds
  • 2 Baths
  • 1,411 Sq Ft

  1017 S 8th St, Wilmington, NC 28401

  This cozy three-bedroom two-bathroom home is very close to downtown Wilmington and located on the bus line for public transportation. All area beaches are just a few minutes away. It is convenient for shopping and trips to nearby restaurants. An open floor plan greets you when you enter the home to the living area. All three bedrooms are located to the right. Giving the home a comfortable flow.

  Dennis Murphy Unique Real Estate

  1017 S 8th St, Wilmington, NC 28401
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  /40

  $320,000

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

  2214 Jefferson St, Wilmington, NC 28401

  Welcome to this beautifully maintained home in Sunset South, a charming and walkable community convenient to downtown Wilmington!Offering 3 bedrooms and 2 full bathrooms, this home features a thoughtfully designed layout, perfect for everyday living. Timeless wood floors flow throughout the home, including the spacious primary suite with two large closets. Major updates have already been

  Jessie Fairbairn Nest Realty

  2214 Jefferson St, Wilmington, NC 28401
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  /48

  $356,640 New Construction

  • 4 Beds
  • 2.5 Baths
  • 1,763 Sq Ft

  98 Cashmere Ct Unit 16, Wilmington, NC 28411

  Welcome to The Willows at Blake Farm! The Norman townhome is a two-story residence with 4 bedrooms and 2.5 baths. On the first floor, you'll find a spacious kitchen that flows into a light-filled living area, perfect for hosting guests. The kitchen is equipped with stainless steel appliances and granite countertops. Additionally, the first floor includes a half bath, laundry room, and storage

  Team D.R. Horton D.R. Horton, Inc

  98 Cashmere Ct Unit 16, Wilmington, NC 28411
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  /40

  $330,140 New Construction

  • 3 Beds
  • 2.5 Baths
  • 1,418 Sq Ft

  22 Cashmere Ct Unit 3, Wilmington, NC 28411

  Welcome to The Willows at Blake Farm! The Pearson townhome is a two-story residence with 3 bedrooms and 2.5 baths. On the first floor, you'll find a spacious kitchen that flows into a light-filled living area, perfect for hosting guests. The kitchen is equipped with stainless steel appliances and granite or quartz countertops. Additionally, the first floor includes a half bath, spacious kitchen,

  Team D.R. Horton D.R. Horton, Inc

  22 Cashmere Ct Unit 3, Wilmington, NC 28411
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  /35

  $319,999

  • 3 Beds
  • 2 Baths
  • 1,270 Sq Ft

  7432 Thais Trail, Wilmington, NC 28411

  Brick townhome with 3 bedrooms, 2 bathrooms and a one car garage in Bayshore Crossing.Spacious, open floor plan; living room with dining area and vaulted ceilings, living room also has glass doors leading to your own private patio. 1270 Sq.Ft., Master bedroom with walk in closet, freshly painted throughout.Community pool is an added bonus. Seller is offering a $5000 appliance credit at

  Karen Parkin Brunt Coastal Properties

  7432 Thais Trail, Wilmington, NC 28411
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  /25

  $375,000

  • 3 Beds
  • 2.5 Baths
  • 2,034 Sq Ft

  1508 Dove Shell Way, Wilmington, NC 28405

  Welcome to 1508 Dove Shell Way, a thoughtfully designed three bedroom, two and a half bathroom townhome nestled in the desirable community of The Townes at Lewis Creek. This nearly-new residence offers modern finishes and an open layout, perfect for both everyday living and entertaining. The expansive floor plan includes a large family room and a dining area that seamlessly flows into the

  Sherri Ingle Intracoastal Realty Corporation

  1508 Dove Shell Way, Wilmington, NC 28405
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  /30

  $349,000

  • 3 Beds
  • 2 Baths
  • 1,325 Sq Ft

  2107 White Rd, Wilmington, NC 28411

  Motivated seller. Welcome to this charming cottage in the desirable Meadowbrook neighborhood! This 3-bedroom, 2-bath home features luxury vinyl plank flooring, a cozy wood-burning fireplace, and a thoughtfully designed layout perfect for comfortable living. Step outside to a fantastic fenced backyard complete with a fire pit, covered patio, and outdoor shower--ideal for relaxing or entertaining.

  Amy Formanek Intracoastal Realty Corporation

  2107 White Rd, Wilmington, NC 28411
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  /41

  $395,000

  • Land
  • 4.48 Acres
  • $88,170 per Acre

  1543 Riverview Terrace, Wilmington, NC 28401

  This 4+ acre homesite offers the perfect setting to create your dream home. Located minutes from downtown Wilmington, Preservation Point offers amenities to enhance your active lifestyle: a pool, walking trails, fitness center, and a custom-built clubhouse. A private island features a marina, pickleball courts, putting green, outdoor gazebo, grills, disc golf, and a dog park. Boat slips available

  Aspyre Realty Group eXp Realty

  1543 Riverview Terrace, Wilmington, NC 28401
• 

  

  /55

  $398,580

  • 3 Beds
  • 2 Baths
  • 1,578 Sq Ft

  1033 Summerlin Falls Ct, Wilmington, NC 28412

  Welcome to 1033 Summerlin Falls Ct Unit J--an updated and beautifully maintained 3-bedroom, 2-bath home ideally located near the Pointe at Barclay in Wilmington, NC. Enjoy the best of coastal living with easy access to Carolina Beach, Wrightsville Beach, and Downtown Wilmington, offering endless dining, shopping, and entertainment options just minutes away. This home has been thoughtfully

  Jeanette Egerer BlueCoast Realty Corporation

  1033 Summerlin Falls Ct, Wilmington, NC 28412
• 

  

  /35

  $397,000

  • 3 Beds
  • 3 Baths
  • 1,779 Sq Ft

  108 Turtle Cay Unit 3, Wilmington, NC 28412

  Rare First-Floor Condo with Stunning Marsh & River Views in Turtle Cay! Don't miss this rare opportunity to own an oversized FIRST FLOOR unit in the desirable Turtle Cay community! This beautifully maintained 3-bedroom, 3-full-bath condo offers a spacious layout and breathtaking views of the marsh and Cape Fear River. Step inside to find a large kitchen with abundant cabinet space and a walk-in

  Mike Rokoski Coldwell Banker Sea Coast Advantage

  108 Turtle Cay Unit 3, Wilmington, NC 28412

Showing Results 121 - 160, Page 4 of 5