Winnebago County IL Homes for Sale

• 

  

  

  /13

  $209,900

  Pending

  • 4 Beds
  • 1.5 Baths
  • 1,274 Sq Ft

  2104 Devon Ave, Loves Park, IL 61111

  Freshly updated 1,274 sq. ft. ranch in a desirable Loves Park location within the Harlem School District! This inviting home features beautiful hardwood flooring throughout the living room, hallway, and bedrooms, along with a spacious living room and a large eat-in kitchen with sliders leading to the deck and fenced backyard—perfect for outdoor dining and entertaining. With four bedrooms, one

  Debbie Carlson Berkshire Hathaway HomeServices Starck RE

  2104 Devon Ave, Loves Park, IL 61111
• 

  

  

  /19

  $124,999

  Pending

  • Studio
  • 3,123 Sq Ft

  427 9th St, Rockford, IL 61104

  INVESTMENT OPPORTUNITY! Located near the recently renovated hospital. This vacant duplex features two spacious units, each offering 1,041 sq. ft., 3 bedrooms, and 1 full bath, allowing immediate access for renovation. Recent improvements include a new furnace and water heater (2022) and a new gas meter serving the lower unit (2026). Each unit has separate gas and electric meters and separate

  LaChelle Morden eXp Realty

  427 9th St, Rockford, IL 61104
• 

  

  

  /22

  $300,000

  Pending

  • 4 Beds
  • 2 Baths
  • 1,828 Sq Ft

  14127 Kirane Ct, South Beloit, IL 61080

  Welcome home to 14127 Kirane Ct! Tucked away on a quiet cul-de-sac, this 2003-built single-family home offers 4 spacious bedrooms, 2 full bathrooms, and 1,228 square feet of comfortable main-level living space, plus a fantastic finished basement that dramatically expands your usable square footage. The bright, open floor plan maximizes every inch, making it perfect for daily life and

  Bryant Chandler Keller Williams Realty Signature

  14127 Kirane Ct, South Beloit, IL 61080
• 

  

  

  /16

  $139,000

  $21K PRICE DROP Pending

  • 3 Beds
  • 1.5 Baths
  • 1,236 Sq Ft

  126 E 6th St, Pecatonica, IL 61063

  Welcome to small-town living in the heart of Pecatonica! Situated on a spacious corner lot, this well-maintained 3-bedroom, 1-bath home offers over 1,700 square feet of living space, a detached 2-car garage, and plenty of room to make it your own. Inside, you’ll find generously sized rooms, abundant natural light, and a comfortable floor plan that is move-in ready while offering opportunities for

  Tarina Frisella DICKERSON & NIEMAN

  126 E 6th St, Pecatonica, IL 61063
• 

  

  

  /23

  $199,000

  Pending

  • 3 Beds
  • 2 Baths
  • 1,159 Sq Ft

  6581 Happy Acres Rd, Rockford, IL 61101

  Great opportunity to own a spacious 3-bedroom, 2-bath ranch nestled on just over an acre! This home offers a functional layout, generous living spaces, and plenty of potential to make it your own. The spacious living room features a large picture window that brings in an abundance of natural light. The great-sized kitchen includes a cozy breakfast nook and a door leading to the back deck,

  Milena Cojkic Keller Williams Realty Signature

  6581 Happy Acres Rd, Rockford, IL 61101
• 

  

  /56

  $410,000

  $25K PRICE DROP Pending

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

  5461 Blackthorn Dr, Rockford, IL 61107

  Back on the market at no fault of the seller's, second chances don't come around all that often! This home is beautifully updated, 3,700 sq ft colonial 2-story in the highly sought after Shaw Woods.........where all the hard work—and major expense—has already been done for you. Instead of worrying about costly home projects, you can move in with confidence knowing this home features a newer roof,

  Jodi Stromberg Berkshire Hathaway HomeServices Crosby Starck RE

  5461 Blackthorn Dr, Rockford, IL 61107
• 

  

  /16

  $199,900

  Pending

  • 3 Beds
  • 1 Bath
  • 1,948 Sq Ft

  1501 Victoria Ave, Rockford, IL 61102

  Welcome to 1501 Victoria! This beautifully updated 3-bedroom, 1-bath home blends timeless charm with modern upgrades throughout. Nearly every major component has been updated, making this truly move-in ready. The bright, inviting interior features updated flooring and finishes, while the finished basement adds over 500 sq. ft. of additional living space with a bathroom rough-in and plenty of

  Charles Hanserd Berkshire Hathaway HomeServices Crosby Starck RE

  1501 Victoria Ave, Rockford, IL 61102
• 

  /2

  $155,000

  Pending

  • 3 Beds
  • 3 Baths
  • 2,576 Sq Ft

  5488 Torque Rd, Loves Park, IL 61111

  SBR

  

  Rion Tovar-South

  Weichert Realtors - Tovar Properties

  5488 Torque Rd, Loves Park, IL 61111
• 

  

  /18

  $64,999

  New Construction

  • 3 Beds
  • 2 Baths

  209 Monterey Dr, Rockford, IL 61109

  Brand-New 2026 3-Bedroom Home with Double-Sink Primary Suite in RockfordCapitalize on our Labor Day Price Break Event-one of our strongest pricing events of the year structured to give you more value for your hard-earned dollar and turn your work into long-term wealth.Kitchen & Dining• Soft grey cabinetry paired with marble-patterned countertops.• Stainless steel gas range stove with

  David Quinonez Mancuso Village

  209 Monterey Dr, Rockford, IL 61109
• 

  

  /60

  $239,900

  • 3 Beds
  • 1.5 Baths
  • 2,478 Sq Ft

  1007 Luther Ave, Rockford, IL 61107

  Charming 1.5-story home with wonderful curb appeal and a classic brick front, ideally situated on a beautiful tree-lined street in an established Rockford neighborhood! Greet your guests in the charming tiled entryway, complete with a convenient coat closet. Inside, beautiful hardwood flooring flows throughout much of the main level, and the open floor plan offers plenty of comfortable living and

  John Peterson Real Broker, LLC

  1007 Luther Ave, Rockford, IL 61107
• 

  

  /21

  $158,313

  • 3 Beds
  • 1 Bath
  • 1,028 Sq Ft

  313 N Horace Ave, Rockford, IL 61101

  Remodeled 2023 throughout with a new roof. Attic has finished bedroom. Fenced yard. Move in condition, bring your toothbrush.

  Trent Wingert Wingert Real Estate LLC

  313 N Horace Ave, Rockford, IL 61101
• 

  

  /64

  $359,900

  $15K PRICE DROP

  • 4 Beds
  • 1.5 Baths
  • 1,688 Sq Ft

  4139 S Spielman Rd, Leaf River, IL 61047

  Awesome Country Setting with Huge 50' x 80' Shop/Outbuilding on 2.77 Acres that's Zoned Ag in the Winnebago School District. The Nicely Updated 4 Bedroom, 1.5 Bath, 2-Story Home Features a Spacious Eat-In Kitchen with Relaxing Country Views, Dining Room with Access to Side Porch, a Convenient Mudroom with 1/2 Bath & Laundry as You Come in the Back Door, Living Room & Bedroom/Office (no closet)

  Bradley Thompson Keller Williams Realty Signature

  4139 S Spielman Rd, Leaf River, IL 61047
• 

  

  /24

  $38,000

  $3K PRICE INCREASE

  • 2 Beds
  • 2 Baths
  • 980 Sq Ft

  5132 Pebble Ln, Loves Park, IL 61111

  Beautiful, maintenance free home in Loves Park with 2 beds and 2 baths and a fireplace! Everything has been remodeled from the ground up! The flooring & duct work are new & have been re-enforced & re-insulated. All new appliances & never used new stove. New water heater & furnace. New light fixtures, new toilets, new cabinets, new sinks, new tub including new shower walls. Some new windows, 2 new

  Carrie DuMelle Weichert Realtors - Tovar Properties

  5132 Pebble Ln, Loves Park, IL 61111
• 

  

  /23

  $269,900

  Pending

  • 3 Beds
  • 1.5 Baths
  • 1,508 Sq Ft

  221 N Highland Ave, Rockford, IL 61107

  Charm & character! Hardwood floors throughout, crown molding, built-ins. Formal living room w/fireplace & built-ins. Formal dining room w/corner cabinet. Wonderful kitchen w/cozy breakfast nook. Screened porch overlooks private & well landscaped yard. Huge primary bedroom. Lots of closets & storage. Big 2.5 car garage. New roof summer 2026. Won't last! Hurry!

  Vickie Krueger DICKERSON & NIEMAN

  221 N Highland Ave, Rockford, IL 61107
• 

  

  /11

  $479,900

  Pending

  • Studio
  • 3,368 Sq Ft

  2942 La Salle Ave, Rockford, IL 61114

  Don't miss this exceptional investment in Rockford, IL. This well maintained 4 unit property offers a strong addition to any investment portfolio. Each of the four spacious units features 2 bedrooms and 1 full bath with approximately 800 SF in living space with the convenience of in unit laundry which is highly desirable for tenants. Built in 1968 this property includes a 4 car attached garage

  Peyton Hannah DICKERSON & NIEMAN

  2942 La Salle Ave, Rockford, IL 61114
• 

  

  /35

  $285,000

  Pending

  • 3 Beds
  • 3 Baths
  • 2,213 Sq Ft

  1164 Tebala Blvd, Rockford, IL 61108

  SBR

  Pat Sullivan DICKERSON & NIEMAN

  1164 Tebala Blvd, Rockford, IL 61108
• 

  

  /35

  $185,000

  Pending

  • 2 Beds
  • 1.5 Baths
  • 1,410 Sq Ft

  3803 Kentucky Dr, Rockford, IL 61108

  This well maintained brick home offers a comfortable, cozy living space in a quiet SE neighborhood. Fresh paint throughout creates a clean, move-in ready feel, while hardwood floors add warmth and character to the living room, bedrooms, and hallway. The spacious eat-in kitchen has a new range hood and provides plenty of room for everyday meals and gatherings. The finished lower level expands the

  Marcia Williams Gambino Realtors

  3803 Kentucky Dr, Rockford, IL 61108
• 

  

  /24

  $205,000

  Pending

  • 4 Beds
  • 2.5 Baths
  • 2,444 Sq Ft

  1826 Ohio Pkwy, Rockford, IL 61108

  This charming cape cod home has 4 bedrooms and 2 1/2 bathrooms on three levels of finished living space. Hardwood floors in the living room, hallway, and main floor bedrooms. Several updates have been done over the years, including updated bathrooms, updated roof, furnace, A/C, windows, and more. The living room has a new large picture window that lets sunshine stream through and further

  Tamara Potter Keller Williams Realty Signature

  1826 Ohio Pkwy, Rockford, IL 61108
• 

  

  /26

  $179,900

  Pending

  • 2 Beds
  • 1 Bath
  • 1,437 Sq Ft

  7407 Rogers St, Machesney Park, IL 61115

  Everything you want in a home is right here! Original hardwood floors, white trim, and fantastic paint colors. Updated bath and large bedrooms. Spacious kitchen with all newer appliances and large eating area with sliders. Enjoy the large fenced yard from the large deck! Large rec room with bar. Ready to move in!

  Michelle Romano-Huber DICKERSON & NIEMAN

  7407 Rogers St, Machesney Park, IL 61115
• 

  

  /8

  $280,000

  Pending

  • 2 Beds
  • 2 Baths
  • 1,258 Sq Ft

  4167 Redington Chase, Rockford, IL 61101

  NEW CONSTRUCTION – Sequoia Model (Left Side of Side-by-Side Condo). Welcome home to the beautifully designed condo — the perfect blend of style, comfort, and low-maintenance living! This thoughtfully designed condo features an open-concept kitchen, dining, and living area, creating a bright and spacious atmosphere ideal for both everyday living and entertaining. The kitchen comes fully equipped

  Jeff Robertson Keller Williams Realty Signature

  4167 Redington Chase, Rockford, IL 61101
• 

  

  /31

  $215,000

  Pending

  • 3 Beds
  • 2 Baths
  • 2,050 Sq Ft

  6007 Hollis Ave, Loves Park, IL 61111

  BEAUTIFUL ALL BRICK THREE BEDROOM, TWO BATH LOVES PARK RANCH. EXTREMELY WELL MAINTAINED. 2.5 CAR DETACHED CAR GARAGE. ONE CAR BOAT/WORKSHOP GARAGE. LOTS OF HARD WOODS, NEWER APPLIANCES, QUARTZ COUNTER TOPS, UNDER MOUNT SINK, WATER SOFTENER, REVERSE OSMOSSIS, ATTIC FAN, EXTRA WIDE DRIVEWAY, COVERED PATIO. BEAUTIFUL LANDSCAPING AND GARDENS. AWESOME FOUR SEASONROOM! 10X12 SHED, FENCED REAR YARD. ALL

  Jerry Gibson Keller Williams Realty Signature

  6007 Hollis Ave, Loves Park, IL 61111
• 

  

  /24

  $260,000

  Pending

  • 3 Beds
  • 3 Baths
  • 2,101 Sq Ft

  3542 St Moritz Trail, Rockford, IL 61114

  All Brick Ranch Condo! 3 bedrooms, 3 full baths, eat-in kitchen, living room and dining room combo with vaulted ceilings and electric fireplace. Main floor master suite with walk-in closet, second bedroom used as a den, 3 season porch overlooking backyard, large wood deck, and 2 car attached garage. Finished lower level with partial exposure. Third bedroom with full bath and walk-in closet, rec

  Peter Dunn Berkshire Hathaway HomeServices Crosby Starck RE

  3542 St Moritz Trail, Rockford, IL 61114
• 

  

  /16

  $150,000

  $15K PRICE DROP Pending

  • 2 Beds
  • 1.5 Baths
  • 918 Sq Ft

  532 River Ln, Loves Park, IL 61111

  Don’t let the square footage fool you—this home offers more space than meets the eye! Located in the Harlem School District, this 2-bedroom, 1-bath bungalow-style ranch features original hardwood floors, a separate dining room, and a kitchen with newer appliances that stay. The main level includes a convenient Jack-and-Jill bath, while the finished lower level adds valuable living space with a

  Heather Hall Keller Williams Realty Signature

  532 River Ln, Loves Park, IL 61111
• 

  

  /11

  $14,400

  Pending

  • 1 Bed
  • 1 Bath
  • 750 Sq Ft

  11775 Pearl St, Rockton, IL 61072

  Property in Urban Rockton, 1 bedroom, 1 bathroom, 2 car garage. Property is in uninhabitable condition, with animal fecal matter throughout and has not been trashed out. Property being sold in AS IS condition, no surveys nor disclosures, taxes prorated. Room sizes are estimates.

  Michael Olszewski Area Wide Realty

  11775 Pearl St, Rockton, IL 61072
• 

  

  /27

  $270,000

  • 4 Beds
  • 2.5 Baths
  • 3,050 Sq Ft

  1721 Parkview Ave, Rockford, IL 61107

  This charming and distinctive home offers a layout and setting unlike any other! Situated on over half an acre, the property features a gorgeous, private backyard surrounded by mature trees, creating the feeling of your very own personal park or nature retreat. Enjoy the beautiful stone patio, expansive outdoor space, and even a small basketball court, providing plenty of room to relax,

  Javen Rands DICKERSON & NIEMAN

  1721 Parkview Ave, Rockford, IL 61107
• 

  

  /49

  $320,000

  • 5 Beds
  • 3 Baths
  • 3,300 Sq Ft

  5405 Friendswood Ct, Rockford, IL 61114

  Welcome home to this spacious 5 bedroom, 3 bath ranch in a wonderful Rockford location near schools! From the moment you step inside, you'll appreciate the open, comfortable feel and the abundance of space this home has to offer. The main level features a large living room, eat in kitchen, formal dining room, and convenient main floor laundry. Three bedrooms are located on the main floor,

  Rebecca Hazzard RE/MAX of Rock Valley

  5405 Friendswood Ct, Rockford, IL 61114
• 

  

  /51

  $324,900

  $15K PRICE DROP

  • 4 Beds
  • 2.5 Baths
  • 3,295 Sq Ft

  3296 N Trainer Rd, Rockford, IL 61114

  Welcome to your next chapter — a beautifully updated four-bedroom home that effortlessly blends comfort with modern style. From the moment you step inside, you'll notice the thoughtful upgrades and warm character that make this property truly shine. The heart of the home is a stunning kitchen featuring sleek quartz countertops and gleaming stainless steel appliances, perfect for everything from

  Thomas Holder Black Castle Properties

  3296 N Trainer Rd, Rockford, IL 61114
• 

  

  /20

  $205,000

  $5K PRICE DROP

  • 3 Beds
  • 1.5 Baths
  • 1,448 Sq Ft

  1304 Brownwood Dr, Rockford, IL 61107

  Charming 2 story in the historic Browns Hill neighborhood. Minutes from downtown, the bike path, Sinnissippi Park & Nicholas Conservatory. This home sits on a corner lot with a private backyard. From the moment you walk in you will fall in love with the natural woodwork, wood floor & crown moldings. French doors lead to a lovely sunroom. The kitchen has been updated w/granite countertops & tile

  Vicki Flanders DICKERSON & NIEMAN

  1304 Brownwood Dr, Rockford, IL 61107
• 

  

  /62

  $350,000

  • 2 Beds
  • 1 Bath
  • 1,323 Sq Ft

  11371 Havenswood Rd, Roscoe, IL 61073

  Experience the perfect blend of rural serenity, country views, and incredible versatility on this 5.3-acre AG-zoned hobby farm. From the moment you arrive, the park-like setting creates an inviting first impression, with manicured green space, mature trees, and peaceful views. Inside, the open-concept home is filled with natural light and thoughtfully designed for comfortable living. The fully

  Mori Jo Conkrite Berkshire Hathaway HomeServices Crosby Starck RE

  11371 Havenswood Rd, Roscoe, IL 61073
• 

  

  /9

  $115,000

  • Land
  • 20,473 Sq Ft
  • $244,681 per Acre

  1205 Summerland Key, Machesney Park, IL 61103

  Build your dream home overlooking the Rock River! This spacious 0.47-acre corner lot offers a unique opportunity to enjoy riverfront living on a peaceful inlet just off the Rock River. With the potential for a future dock to be located along the inlet, you can enjoy convenient boat access while experiencing less of the boat traffic found directly on the main river—providing a more private and

  Miguel Lobato Gambino Realtors

  1205 Summerland Key, Machesney Park, IL 61103
• 

  

  /19

  $109,900

  Pending

  • 5 Beds
  • 1 Bath
  • 1,451 Sq Ft

  402 Alliance Ave, Rockford, IL 61101

  Welcome to this spacious 5-bedroom. Yes, 5-bedroom, 1-bath home featuring newer windows, roof, and gutters. A great opportunity for a growing family or investor!

  Dimas Trujillo Smart Home Realty

  402 Alliance Ave, Rockford, IL 61101
• 

  

  /18

  $139,900

  Pending

  • 2 Beds
  • 2 Baths
  • 1,118 Sq Ft

  2929 Sunnyside Dr Unit 131B, Rockford, IL 61114

  Welcome to easy, low-maintenance living in Cloisters of Forest Hills! This spacious first-floor condo offers 2 bedrooms and 2 full bathrooms, with a comfortable layout designed for everyday living and entertaining. Enjoy the convenience of first-floor living along with your own private patio, perfect for morning coffee, relaxing with a good book, or enjoying a beautiful afternoon. Cloisters of

  Kelly Goodmonson Exit Strategy Realty

  2929 Sunnyside Dr Unit 131B, Rockford, IL 61114
• 

  

  /16

  $127,900

  $7K PRICE DROP Pending

  • 2 Beds
  • 1 Bath
  • 543 Sq Ft

  220 Shoreland Rd, Machesney Park, IL 61115

  Wow! Super clean and cozy (543 SF) ranch home with 2 bedrooms and 1 bath in the Harlem School district. Fresh paint, flooring, cabinets, counter tops and stove all with neutral tones. Large backyard with plenty of area for recreation or pets. Plenty of mature trees for shady areas and you can catch a view of the river from your front yard. Detached XL-2 car garage leaves space for gardening

  Dana Vlasnik DICKERSON & NIEMAN

  220 Shoreland Rd, Machesney Park, IL 61115
• 

  

  /17

  $249,900

  Pending

  • 3 Beds
  • 2 Baths
  • 1,284 Sq Ft

  3764 Scarlet Oak Dr, Rockford, IL 61109

  Better than new! Enjoy easy going ranch style living in this newer home. Desirable floor plan with a kitchen that opens to the living area. A vaulted ceiling gives the great room an open and airy feel. The kitchen has crisp white cabinetry, sleek granite counters, newer appliances including Samsung Bespoke refrigerator with white or black panels, durable and stylish vinyl plank flooring, ample

  Nicole Wright Keller Williams Realty Signature

  3764 Scarlet Oak Dr, Rockford, IL 61109
• 

  

  /21

  $214,900

  Pending

  • 3 Beds
  • 2 Baths
  • 1,698 Sq Ft

  401 Mallard Rd, Winnebago, IL 61088

  Welcome to this move-in ready 3 bedroom bi-level home located on a dead-end street in the desirable Winnebago neighborhood. The lower level offers a versatile 4th bedroom with a full bath, providing excellent space for guests, a home office, or additional living accommodations. Recent updates include a newer roof, siding, and flooring. Enjoy the convenience of an attached 2 car garage and a

  Brad Carlson Gambino Realtors

  401 Mallard Rd, Winnebago, IL 61088
• 

  

  /22

  $129,900

  Pending

  • 2 Beds
  • 1 Bath
  • 1,156 Sq Ft

  1526 Price St, Rockford, IL 61103

  Welcome home to this charming 2-bedroom, 1-bath ranch situated on a desirable corner lot! The spacious enclosed porch provides a wonderful bonus space for relaxing, entertaining, or enjoying the outdoors in comfort. The home features vinyl windows, central air, 100-amp circuit breakers, and all appliances are included. Both bedrooms offer unique storage features, with one featuring double closets

  Donna Andrews Berkshire Hathaway HomeServices Crosby Starck RE

  1526 Price St, Rockford, IL 61103
• 

  

  /39

  $419,900

  $20K PRICE DROP Pending

  • 4 Beds
  • 2 Baths
  • 2,320 Sq Ft

  8710 N Pecatonica Rd, Pecatonica, IL 61063

  Historic charm meets thoughtful updates in this circa-1900 Victorian farmhouse on 2.67 picturesque acres. Land traced to an 1843 federal preemption claim. Four bedrooms, two baths, 2,320 sq ft of authentic character. New roof on house and garage (2026). New furnace (January 2025). New siding on the north and upper west sides of the house. Hardwood floors and original 1900 woodwork run throughout

  Juli Geiger eXp Realty

  8710 N Pecatonica Rd, Pecatonica, IL 61063
• 

  

  /24

  $400,000

  $50K PRICE DROP Pending

  • 3 Beds
  • 2 Baths
  • 1,803 Sq Ft

  7152 Stearman Dr, Loves Park, IL 61111

  BEAUTIFULLY DESIGNED RANCH HOME IN LOVES PARK! This 1,803 sq. ft. split-bedroom ranch features an open-concept layout with vaulted ceilings, a spacious great room with a custom built-in entertainment center, and a large kitchen with island, breakfast bar, pantry, granite countertops, and stainless steel appliances. The primary suite offers his-and-hers walk-in closets and a private bath with

  Amela Ahmetovic Keller Williams Realty Signature

  7152 Stearman Dr, Loves Park, IL 61111
• 

  

  /41

  $277,500

  $7K PRICE DROP Pending

  • 4 Beds
  • 1.5 Baths
  • 2,248 Sq Ft

  4674 Pepper Dr, Rockford, IL 61114

  Spacious 4-bedroom, 1.5-bath home featuring an oversized primary bedroom, a finished basement, and over 1/4 acre of land. Enjoy the large deck, perfect for entertaining or relaxing outdoors. Offering generous living space inside and out, this home is conveniently located near shopping, restaurants, parks, schools, and other everyday amenities. A great opportunity!

  Jesus Perez Realty of America, LLC

  4674 Pepper Dr, Rockford, IL 61114
• 

  

  /42

  $269,000

  Pending

  • 2 Beds
  • 2 Baths
  • 2,207 Sq Ft

  1517 Meadowlark Ln Unit 34, Rockford, IL 61108

  Location - Close to everything. Stand alone condo. Has ramp on side of house and easy access into house for wheelchair. A delightful home with wood floors updated countertops w/granite. Bathroom vanities updated. Lower level finished with escape window. 1st floor laundry. Shows great. Attached 2 car garage. Split bedroom floor plan. Tall ceilings. Ceiling fans. Open floor plan. Seller downsizing.

  Dianne Parvin DICKERSON & NIEMAN

  1517 Meadowlark Ln Unit 34, Rockford, IL 61108

Showing Results 481 - 520, Page 13 of 17