3,341

Waterfront Homes for Sale in Wisconsin

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  • /35

    $359,900

    • 2 Beds
    • 1 Bath
    • 520 Sq Ft

    7424 S Minnow Lake Rd, Phillips, WI 54555

    If you are looking for a peaceful little cabin on a great fishing lake we have that for you! This cozy cabin on Long Lake was built in 2008. The cabin has hardwood floors throughout and a walkout basement. With just a short walk to the dock you can go fishing for walleye, muskey, northern and panfish.

    JULIE KOWALSKI PRISM REAL ESTATE

    7424 S Minnow Lake Rd, Phillips, WI 54555
  • /36

    $880,000

    • 4 Beds
    • 2 Baths
    • 1,759 Sq Ft

    979 Bundo Rd, Three Lakes, WI 54562

    This uniquely designed 4 bedroom, 2 bath home on Dog Lake is a wonderful opportunity to experience the largest inland chain of fresh water lakes in the world! The main level features a front entry w/ laundry & storage space, the neatly appointed kitchen, a full bath, two bedrooms, and the living room with double patio doors to the lake-facing deck with beautiful sunset views. The second level

    Christy Schneider First Weber Inc

    979 Bundo Rd, Three Lakes, WI 54562
  • /20

    $259,900

    • 2 Beds
    • 2 Baths
    • 1,628 Sq Ft

    400 S Rice St Unit 20, Whitewater, WI 53190

    Enjoy tranquil creekside living in this beautifully maintained 2- bedroom 2-bath condo featuring a spacious master suite with an attached private bath. The inviting gas fireplace adds warmth to the open-concept living space, which flows seamlessly into a light-filled sunroom overlooking natures beauty. Step out onto the private patio-perfect for morning coffee or evening relaxation. This home

    Heather Spies Platner Realty

    400 S Rice St Unit 20, Whitewater, WI 53190
  • /58

    $345,000

    • 3 Beds
    • 4 Baths
    • 2,388 Sq Ft

    N8381 Birch Hill Rd, Phillips, WI 54555

    This 3-bedroom, 2-bath home offers the best of both worlds: peace and privacy on a beautifully landscaped 2+ acre lot, plus deeded access to Wilson Flowage—part of the Phillips Chain of Lakes with over 1,200 acres of water to explore. It’s a great spot for boating, kayaking, or casting a line. Inside, recent updates like new flooring, fresh paint, and modern light fixtures make the space feel

    Noel Fitzgerald First Weber Inc

    N8381 Birch Hill Rd, Phillips, WI 54555
  • /25

    $498,000

    • 3 Beds
    • 2 Baths
    • 1,510 Sq Ft

    660 Bloom Rd, Eagle River, WI 54521

    A truly lovely entrance brings you to a great private lake setting on quiet Gordon Lake. This 3 bedroom, 2 bath ranch style home has been a member of the family since 1970. The cedar sided home features 2 covered porches and 2 garages. The home sits on 104' of east facing lakefront (amazing sunrises) and 1.13 wooded acres. The elevation to the lake is gentle and the lake views cannot be beat! You

    Jim Mulleady SHOREWEST - EAGLE RIVER

    660 Bloom Rd, Eagle River, WI 54521
  • /40

    $379,000

    • 3 Beds
    • 1.5 Baths
    • 1,400 Sq Ft

    W11546 River Ridge Ln, Bruce, WI 54819

    Nestled along the banks of the Chippewa River sits a one-of-a-kind, timeless riverfront retreat. This charming 3-bedroom, 1.5-bath Victorian offers 448 feet of serene frontage across two waterfront lots. Originally built in 1907, the home was carefully relocated to its current private setting and underwent a comprehensive renovation throughout in 1997. A thoughtfully designed screened-in porch

    Alison Kempen CB Northern Escape/Ladysmith

    W11546 River Ridge Ln, Bruce, WI 54819
  • /25

    $119,000

    • 2 Beds
    • 1 Bath
    • 980 Sq Ft

    1172A Clam Falls Dr Unit A, Frederic, WI 54837

    Secluded two-bedroom, one-bath manufactured home nestled on 5 acres with the picturesque Wood River flowing along the back/ side of the property. Located in a very desirable area close to town yet peacefully situated in the countryside this charming home offers a fantastic opportunity for serene country living. The property is being sold as-is, presenting a great option for buyers looking to

    James Tinman RE/MAX Cornerstone

    1172A Clam Falls Dr Unit A, Frederic, WI 54837
  • /39

    $385,000

    • 3 Beds
    • 2 Baths
    • 1,512 Sq Ft

    Unlisted Address

    Enjoy peaceful Northwoods living in this well-maintained 3-bedroom, 2-bath home on 7.61 private acres with scenic frontage on the Iron River Flowage (Mill Pond). Just minutes from the town of Iron River, WI, this home offers comfort, space, and updates including new windows, siding, and insulation in 2024. Relax on the large covered deck or the serene front porch, both perfect for taking in the

    Coty Flessert NORTHWOODS REALTY

    Unlisted Address
  • /64

    $182,000

    • 2 Beds
    • 2 Baths
    • 1,653 Sq Ft

    2411 River Rd Unit 2221, Wisconsin Dells, WI 53965

    Experience refined resort living in this rare 2 bed, 2 bath riverside condo at Chula Vista Resort—offering 1,653 sq ft of elegant comfort. One of the largest 2 bedroom units built, this turn-key property features stunning views of the Wisconsin River and pool area, high-end finishes including granite countertops, stainless steel appliances, and two inviting fireplaces. Spacious layout with

    Vikki Triggs Cold Water Realty

    2411 River Rd Unit 2221, Wisconsin Dells, WI 53965
  • /65

    $875,000

    • 4 Beds
    • 4 Baths
    • 5,220 Sq Ft

    2516 van Rite Ct, Green Bay, WI 54311

    If you’re drawn to quiet water views but not ready to give up every day convenience, this home blends both with effortless grace. Tucked in a peaceful cul-de-sac, this all brick home sits in one of Bellevue’s only private-lake neighborhoods. With over 5,000 sq ft of open and sun-filled living space it’s designed for entertaining. Or unwind and soak in panoramic lake views through expansive

    Tara Kos Sherman Legacy First LLC

    2516 van Rite Ct, Green Bay, WI 54311
  • /12

    $42,000

    • Land
    • 0.55 Acre
    • $76,364 per Acre

    1441 Rain Dance Trail, Lake Arrowhead, WI 54457

    Phenomenal .55-acre building lot in the sought-after Lake Arrowhead community! The gently sloped landscape is ideal for exposed lower level! You can even sneak a peak at the lake! Extra green space to walk to the Lake. Just a short walk to one of four private Lake Centers—perfect for swimming, boating, and beach days! Membership includes 2 pools, tennis, pickleball, and more! Golfers will love

    Keri Parmeter First Weber Inc

    1441 Rain Dance Trail, Lake Arrowhead, WI 54457
  • /34

    $400,000

    • 3 Beds
    • 3 Baths
    • 2,333 Sq Ft

    1125 134th Ave, Amery, WI 54001

    Welcome to your private waterfront retreat! Nestled on 3.67 secluded acres, this amazing property boasts 500 feet of frontage on a scenic point of quiet Brusher Lake. It offers unmatched privacy and gorgeous water views and natural yardscapes. The beautifully maintained home features vaulted ceilings, hardwood floors and a wood burning fireplace, creating a warm and inviting interior. The

    Michael Carlson Edina Realty, Inc.

    1125 134th Ave, Amery, WI 54001
  • /8

    $36,000

    • Land
    • 0.39 Acre
    • $92,308 per Acre

    394 Leeds Ct, Nekoosa, WI 54457

    This 0.39 acre property offers a level, partially cleared building or camping site and deeded access to a beautiful 440-acre lake—perfect for swimming, fishing, boating, kayaking or paddleboarding! Surrounded by opportunities for hiking, biking, ATV/UTV adventures, this location is ideal for outdoor enthusiasts. No specific builder required. Seasonal Camping allowed per Town of Rome regulations.

    Keri Parmeter First Weber Inc

    394 Leeds Ct, Nekoosa, WI 54457
  • /12

    $275,000

    • Land
    • 2.22 Acres
    • $123,874 per Acre

    Lot 3 E 732nd Ave, Menomonie, WI 54751

    Discover the rare opportunity to own a piece of paradise in one of Lake Tainter’s most sought-after neighborhoods. These are awesome, wooded lots, that offer privacy, towering trees, and a peaceful setting with access to a quiet cove—perfect for kayaking, fishing, or just soaking in the serenity. Whether you're ready to build your dream home or invest in a weekend getaway, this is the kind of

    Mike Sullivan American Edge Real Estate

    Lot 3 E 732nd Ave, Menomonie, WI 54751
  • /3

    $514,900

    • 3 Beds
    • 2.5 Baths
    • 2,038 Sq Ft

    559 Willow St, Mishicot, WI 54228

    Welcome to 583 Willow Drive, where elegance meets function in this stunning to-be-built home featuring the Amani Plan by Deals & Development. Nestled on 1.47 acres with 117’ of East Twin River frontage, this thoughtfully designed 2,038 sq ft home offers 3 beds, 2.5 baths, 9’ walls (8’ on the left wing), a coffered ceiling in the great room, tray ceiling above the large kitchen island, walk-in

    Ken Wilson EXP Realty LLC

    559 Willow St, Mishicot, WI 54228
  • /16

    $37,000

    • Land
    • 5 Acres
    • $7,255 per Acre

    5.1 Acres On Bert Schmidt Cir, Glidden, WI 54527

    (456/PR) For Sale: a serene 5.1-acre parcel along the Chippewa River in the Town of Shanagolden, just 5 miles from Glidden, WI. This idyllic property is perfect for building your dream cabin or home in a peaceful, remote setting. The land features mature trees near the road, transitioning to open, field-like areas that gently slope toward the wooded riverfront. Enjoy the tranquility of nature

    Paul Ross Birchland Realty Inc./Park Falls

    5.1 Acres On Bert Schmidt Cir, Glidden, WI 54527
  • /18

    $37,000

    • Land
    • 5 Acres
    • $7,255 per Acre

    ON Bert Schmidt Cr Unit 5.1 Acres, Glidden, WI 54527

    (456/PR) For Sale: a serene 5.1-acre parcel along the Chippewa River in the Town of Shanagolden, just 5 miles from Glidden, WI. This idyllic property is perfect for building your dream cabin or home in a peaceful, remote setting. The land features mature trees near the road, transitioning to open, field-like areas that gently slope toward the wooded riverfront. Enjoy the tranquility of nature

    Paul Ross BIRCHLAND REALTY, INC - PARK FALLS

    ON Bert Schmidt Cr Unit 5.1 Acres, Glidden, WI 54527
  • /44

    $479,000

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

    N5337 Mann Rd, Spooner, WI 54801

    Tucked at the end of a quiet dead-end road on Spooner Lake, this fully furnished 2-bedroom, 1-bath cabin is truly turn-key. Featuring main floor living and a heated 4-season porch, you’ll enjoy comfortable spaces to relax year-round. The detached garage offers plenty of storage for your outdoor gear. Sellers are leaving all furnishings, furniture, and essentials—just bring your suitcase and start

    Jake Anderson Re/Max 4 Seasons, LLC

    N5337 Mann Rd, Spooner, WI 54801
  • /57

    $3,900,000

    • 5 Beds
    • 3.5 Baths
    • 4,704 Sq Ft

    N14946 23rd Terrace, Nekoosa, WI 54457

    Discover the pinnacle of lakeside luxury with this brand-new, never-lived-in Golden Eagle Timber Frame home. Strategically positioned on the best lot Petenwell Lake has to offer, with 420 feet of owned frontage, you will enjoy unrivaled 270-degree panoramic views of pristine waters, forested shoreline, and awe-inspiring sunsets. Petenwell Lake is Wisconsin’s 2nd largest lake, with over 23,000

    Cade Covi KELLER WILLIAMS STEVENS POINT

    N14946 23rd Terrace, Nekoosa, WI 54457
  • /36

    $495,000

    • 2 Beds
    • 2 Baths
    • 864 Sq Ft

    7218 County Road Hh, Vesper, WI 54489

    County oasis rarely seen! This incredible property sits on 40 acres conveniently located between WI Rapids and Marshfield. Featuring not one, but two pole barns complete with finished living space, this unique tract of land offers an amazing opportunity to improve your weekends and hunting trips. Green building is approximately 36x56 and offers living room area, bedroom and 3/4 bath. Wood

    Mike Williams RE/MAX Central

    7218 County Road Hh, Vesper, WI 54489
  • /3

    $514,900

    • 3 Beds
    • 2.5 Baths
    • 2,038 Sq Ft

    583 Willow St, Mishicot, WI 54228

    Welcome to 583 Willow Drive, where elegance meets function in this stunning to-be-built home featuring the Lemiyah Plan by Deals & Development. Nestled on 1.47 acres with 117’ of East Twin River frontage, this thoughtfully designed 2,038 sq ft home offers 3 beds, 2.5 baths, 9’ walls (8’ on the left wing), a coffered ceiling in the great room, tray ceiling above the large kitchen island, walk-in

    Ken Wilson EXP Realty LLC

    583 Willow St, Mishicot, WI 54228
  • /32

    $230,000

    • 2 Beds
    • 1 Bath
    • 1,008 Sq Ft

    N3190 Oak Rd, Markesan, WI 53946

    DEEDED LAKE PUCKAWAY ACCESS: Well maintained ranch style home on an acre of land. Affordable opportunity to own a deeded lake access property within a short walk to one of the finest areas on this full recreation 5000 acre Lake Puckaway! The best of both worlds: the privacy of a wooded, park-like 1 acre setting, yet steps away from a shared pier on the lake for great fishing and swimming. This

    John Mevis First Weber Inc

    N3190 Oak Rd, Markesan, WI 53946
  • /9

    $60,000

    • Land
    • 0.83 Acre
    • $72,289 per Acre

    Lot 11 27th Ct, Chippewa Falls, WI 54729

    Afordable & attractive lot with pond frontage on a quiet dead end road. Across the street from Lake Hallie nestled in a tranquil and secluded neighborhood this building site offers the perfect blend of serenity and convenience. Located within easy reach of both Eau Claire and Chippewa Falls – peaceful lakeside living with urban amenities close at hand. Convenient access to major highways

    David Strassman Riverbend Realty Group, LLC

    Lot 11 27th Ct, Chippewa Falls, WI 54729
  • /28

    $499,000

    • 4 Beds
    • 2 Baths
    • 2,172 Sq Ft

    2154 190th St, Centuria, WI 54824

    Stunning Country Retreat with Panoramic Views, In-Ground Pool & Spacious 54X36 poleshed.Welcome to this charming 4-bedroom, 2-bath homenestled in a quiet setting on 10.11 acres with breathtaking views of a pond, valley, and abundant wildlife. This property offers both comfort and functionality, blending modern updates with the tranquility of nature.Inside, you'll find a spacous and

    Sarah Cook Outdoors Realty

    2154 190th St, Centuria, WI 54824
  • /73

    $278,000

    • 1 Bed
    • 1 Bath
    • 778 Sq Ft

    7605 Cheese Factory Rd, Iron River, WI 54847

    Tucked away on 40 serene acres along the Iron River. This charming one-bedroom, one-bath seasonal cottage is a nature lover's dream. With 800 feet of river frontage on both sides of class II trout stream, you'll enjoy private access to pristine waters, ideal for fishing or soaking in the peaceful surroundings. The land is teeming with wildlife & natural beauty of space to roam or explore by foot

    Cynthia Hedlund RE/MAX Results

    7605 Cheese Factory Rd, Iron River, WI 54847
  • /23

    $319,000

    • 2 Beds
    • 1 Bath
    • 728 Sq Ft

    W11515 Wisconsin 95, Alma Center, WI 54611

    Just what you always wanted- A Log Cabin in the Woods- Here it is!!! This log cabin has 27.98 wooded acres to go with it- excellent excellent wildlife habitat- marsh, creek, high ground, thick, mature trees, trails throughout- this has everything. Well and sewer are in! Log outside, log inside and the cabin is heated with the large wood stove. Take a look at the pictures, can you see

    Dean Bogdonovich TIEMAN REALTY, INC.

    W11515 Wisconsin 95, Alma Center, WI 54611
  • /2

    $64,000

    • Land
    • 2.00 Acres
    • $32,000 per Acre

    000 State Road 70, Lac Du Flambeau, WI 54538

    Excellent waterfront lot on Patterson Lake just outside of Lac Du Flambeau and Minocqua. Mostly wooded lot has approximately 572' of frontage on Patterson Lake per county mapping and 600 amp electric service. Contact Vilas County to verify potential uses.

    Bradley Woldt FIRST WEBER - MERRILL

    000 State Road 70, Lac Du Flambeau, WI 54538
  • /16

    $189,000

    • 2 Beds
    • 1 Bath
    • 480 Sq Ft

    11006 W Grosbeak Ln Unit 2, Hayward, WI 54843

    This 2 bedroom 1 bath resort style cabin is located at the end of a quiet dead end road on the Tiger Cat Flowage. A small association of only four cabins lets you enjoy your cabin while having a few neighbors occasionally. Level frontage and a great view of the lake, campfire ring lakeside, screened porch to relax in and a nice individual dock, plus the cabin comes furnished.There is access

    Greg Grossi Coldwell Banker Real Estate Consultants

    11006 W Grosbeak Ln Unit 2, Hayward, WI 54843
  • /90

    $2,999,000

    • 5 Beds
    • 3.5 Baths
    • 3,890 Sq Ft

    W2250 Oakwood Ave, Markesan, WI 53946

    Discover your year-round retreat on Big Green Lake’s south shore. Meticulously maintained with crystal-clear water and a gently sloping sandy bottom free of weeds, this inviting home frames breathtaking lake views from every room. The spacious open layout centers on a generous chef’s kitchen with an oversized island—perfect for entertaining friends and family. Enjoy 90 feet of private frontage, a

    Sarah Loberg Better Homes and Gardens Real Estate Special Properties

    W2250 Oakwood Ave, Markesan, WI 53946
  • /46

    $795,000

    • 4 Beds
    • 3 Baths
    • 3,280 Sq Ft

    9341 N Secluded Trail, Hayward, WI 54843

    Beautiful Custom-Build Home on Spring Lake in prime cabin country! This 4 bedroom, 3 bath Cedar Chalet has an open floor plan to nature and lake view. The interior boasts of knotty pine and provides plenty of warmth and Northwoods feel. Beautiful new full two-story stone fireplace is the focal point in the home. The home has been updated with new countertops, flooring and paint, as well as

    Tina Wagner Edina Realty, Corp. - Cumberland

    9341 N Secluded Trail, Hayward, WI 54843
  • /85

    $1,300,000 Open Sun 12PM - 2PM

    • 3 Beds
    • 3 Baths
    • 2,740 Sq Ft

    5006 Card Ave, Mc Farland, WI 53558

    66ft of level frontage offering beautiful sunsets over looking Lake Waubesa. Spacious open floor plan with lake views from almost every where. Charming foyer as you enter, living room great room combination with large stone fireplace. Large kitchen with huge island, granite counter tops, craftsmen styled cabinets. Extra butlers sink in the island perfect for entertaining. Have dinner with lake

    Jim Wilson Restaino & Associates

    5006 Card Ave, Mc Farland, WI 53558
  • /51

    $385,000

    • 3 Beds
    • 1 Bath
    • 1,499 Sq Ft

    223 Acker Pkwy, de Forest, WI 53532

    Welcome home to the "RIVER HOUSE"! Who needs a 2nd home getaway when you have a backyard like this! Amazing property backs up to Yahara River & acres of city-owned green space beyond that, providing great views & privacy! Enjoy this setting from the new cedar deck. Family room AND living room. Sunny kitchen w/all appliances included. Nice dry poured concrete basement ready for finishing to double

    Trish Schaefer American, REALTORS

    223 Acker Pkwy, de Forest, WI 53532
  • /25

    $240,000

    • 2 Beds
    • 1 Bath
    • 780 Sq Ft

    E1953 Hoffman Ln, Iola, WI 54945

    Welcome to your dream lakefront retreat, tucked along the peaceful shores of a quiet lake just north of Iola. This well maintained property features an open-concept layout that draws you toward the water, with expansive windows showcasing stunning western views and natural light throughout. Start your mornings on the deck, sipping coffee to the gentle sounds of nature, or wind down in the evening

    Matt Schmitz LIV Wisconsin Realty

    E1953 Hoffman Ln, Iola, WI 54945
  • /22

    $250,000

    • Land
    • 2.46 Acres
    • $101,626 per Acre

    TBD 70th St, Georgetown Township, WI 54810

    Rare opportunity on Big Round Lake! This 2.46-acre wooded lot offers 178' of frontage on one of NW Wisconsin's few 1000+ acre lakes. Enjoy Stunning sunrises with an east-facing shoreline and a quiet setting on a dead-end blacktop road. The lot features a level area near the water & ideal elevation for a walkout basement home. Neighboring lots to the North & South provide a clear vision of whats

    Darin Moravitz Dane Arthur Real Estate Agency

    TBD 70th St, Georgetown Township, WI 54810
  • /21

    $250,000

    • Land
    • 2.46 Acres
    • $101,626 per Acre

    XXX 70th St, Balsam Lake, WI

    Rare opportunity on Big Round Lake! This 2.46-acre wooded lot offers 178' of frontage on one of NW Wisconsin's few 1000+ acre lakes. Enjoy Stunning sunrises with an east-facing shoreline and a quiet setting on a dead-end blacktop road. The lot features a level area near the water & ideal elevation for a walkout basement home. Neighboring lots to the North & South provide a clear vision of whats

    Darin Moravitz Dane Arthur Real Estate Agency/Turtle Lake

    XXX 70th St, Balsam Lake, WI
  • /44

    $435,000

    • 2 Beds
    • 1 Bath
    • 1,080 Sq Ft

    4950 Island View Dr, Oshkosh, WI 54901

    Experience affordable waterfront living with this beautifully renovated over 1,000 sq. ft. residence, ideally situated on the coveted shores of Lake Winnebago. This 2-bedroom, 1-bathroom home blends timeless design with modern comforts, creating a truly turnkey lakefront escape. Enjoy sweeping water views from your 4 season room, and main bedroom, private 70-foot "Pier D Nort" dock, and 3,600

    Nicole Free Coaction Real Estate, LLC

    4950 Island View Dr, Oshkosh, WI 54901
  • /58

    $2,100,000

    • 5 Beds
    • 5.5 Baths
    • 8,345 Sq Ft

    1233 W Cedar St, Appleton, WI 54914

    This luxury home, close to downtown, Alicia & Lutz Parks combines modern elegance w/gracious comfort. High-end materials & expansive spaces, stunning river views/access. Commercial-grade kitchen w/island, pantry, adjacent hearth room, breakfast bar & eat-in dining area. Library space w/fp & beautiful built-ins. Spacious primary suite boasts doors to a dedicated deck, a luxurious soaker tub,

    Karen Cain Coldwell Banker Real Estate Group

    1233 W Cedar St, Appleton, WI 54914
  • /25

    $274,000

    • 3 Beds
    • 1.5 Baths
    • 1,100 Sq Ft

    304 River Ave E, Ladysmith, WI 54848

    Charming Waterfront Home on the Ladysmith Flowage! Enjoy serene waterfront living with this beautifully updated 3-bedroom, 1.5-bath home located on the scenic Ladysmith Flowage of the Flambeau River. Nestled near Memorial Park, this property offers low bank elevation and easy access to the water—perfect for boating, kayaking, fishing, or simply relaxing by the shore. This home features recent

    Jake Nelson CB Northern Escape/Ladysmith

    304 River Ave E, Ladysmith, WI 54848
  • /77

    $995,000

    • 5 Beds
    • 3.5 Baths
    • 6,220 Sq Ft

    140 River Dr, Appleton, WI 54915

    This property will have you dreaming of summer evenings by the river! With its stunning design, expansive floor-to-ceiling windows, and a walk-out basement, this delightful home is located just a short walk to downtown, fulfilling all your needs. You'll love everything this residence has to offer, including all the views of the river from almost every room! It features four spacious bedrooms,

    Kelly Gehrt RE/MAX 24/7 Real Estate, LLC

    140 River Dr, Appleton, WI 54915
  • /5

    $22,500

    • Land
    • 0.20 Acre
    • $112,500 per Acre

    632 W Delavan Dr, Janesville, WI 53546

    This .20-acre vacant lot offers 66' of Rock River frontage and sits in a location poised for long-term growth. The lot is level and buildable, located between 640 and 628 W Delavan Dr, with 620 and 606 W Delavan Dr also available for purchase. Following the removal of the Monterey Dam, water levels have receded significantly, and only portions of the property are now classified within the

    John Mansur Mansur Real Estate LLC

    632 W Delavan Dr, Janesville, WI 53546

Showing Results 361 - 400, Page 10 of 18

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