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Worcester County MA Homes for Sale with Basement

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  • /30

    $850,000

    • 3 Beds
    • 2.5 Baths
    • 2,222 Sq Ft

    216 Boston Rd, Southborough, MA 01772

    Mixed use property consisting of a Single Family Home & Detached Commercial Building (built in 1980) on Boston Road, (Route 30) in Southborough. House could have 2-4 BRs. Best of both worlds: Highly visible location for Business & large, serene backyard behind the home on 3/4 Acres. The Single Family Ranch Home was added onto and renovated since original build. Some of the additions to the home

    Gail DuBois William Raveis R.E. & Home Services

    216 Boston Rd, Southborough, MA 01772
  • /12

    $789,900

    • 4 Beds
    • 2.5 Baths
    • 2,402 Sq Ft

    46 Turner Farm Rd, Uxbridge, MA 01569

    Welcome to The Reserve at Turner Farm in Uxbridge. Quality built, beautiful 4-bedroom Colonial homes as well as thoughtfully designed ranch-style options, all set on spacious lots of approximately 1 acre. Tucked into a picturesque country setting yet conveniently located just off Route 146, this development blends the best of peaceful living with easy access to major routes, shopping, and area

    Karole O'Leary Lamacchia Realty, Inc.

    46 Turner Farm Rd, Uxbridge, MA 01569
  • /36

    $599,900

    • 9 Beds
    • 3 Baths
    • 4,815 Sq Ft

    65 Paine St, Worcester, MA 01605

    Family owner for many years, this three family home is conveniently located to I-190 and 290, local hospitals, route 70 and 9. The three bedroom floor-plan could easily accommodate a forth bedroom if needed. Private porches for each apartment, hardwood floors, pantry and a laundry room just off the kitchen. Roof replaced, chimneys repointed and capped in 2011, front porch upgraded with composite

    Jeff Burk RE/MAX Vision

    65 Paine St, Worcester, MA 01605
  • /23

    $625,000

    • 4 Beds
    • 2 Baths
    • 2,544 Sq Ft

    10 Old Stafford Turnpike, Rochdale, MA 01542

    Stunning, fully remodeled Cape just 2 miles from the Worcester line! This move-in-ready 3–4 bedroom, 2-bath home blends modern luxury with classic charm. The heart of the home is a gorgeous chef’s kitchen (2022) featuring white cabinetry, quartz countertops, stainless appliances, and a social breakfast bar. The sun-splashed living and dining rooms flow seamlessly into two main-level bedrooms and

    David Stead RE/MAX Partners

    10 Old Stafford Turnpike, Rochdale, MA 01542
  • /34

    $349,999

    • 2 Beds
    • 1.5 Baths
    • 1,237 Sq Ft

    5 Hinman St Unit 4, Fiskdale, MA 01518

    Welcome Home! Beautifully updated multi level condo for sale in sunny, scenic neighborhood close to shopping, restaurants, post office, beach area, and schools. Brand new, recently installed luxury vinyl plank flooring and recessed lighting in living room. Kitchen loaded with stainless steel appliances including refrigerator, microwave, toaster, and brand new stove with air fryer. Stackable

    Marie Hills Greater Metropolitan R. E.

    5 Hinman St Unit 4, Fiskdale, MA 01518
  • /8

    $209,500

    • 3 Beds
    • 1 Bath
    • 641 Sq Ft

    14 C St Unit 20, Whitinsville, MA 01588

    Beautiful Condo – Affordable and Easy Living!This nicely renovated condo offers a stylish kitchen, two off-street parking spots, and a versatile bonus room that can be used as a home office or an additional sleeping area. Located in a convenient area close to highways and shopping, this unit provides both comfort and accessibility. With so much to offer at such an attractive price, this is a

    Emily Therrien Winslow Homes LLC

    14 C St Unit 20, Whitinsville, MA 01588
  • /38

    $489,000 Open Sat 12PM - 2PM

    • 2 Beds
    • 2 Baths
    • 1,684 Sq Ft

    12 Meditation Ln Unit 12, Lancaster, MA 01523

    Charming ranch-style condomium set along a picturesque country road, offering the perfect blend of privacy and convenience. Ideally located for commuters with easy access to Routes 2 and 190. This home features an open-concept layout connecting the living, dining, and kitchen areas - perfect for everyday living and entertaining. The kitchen offers a center island and flows seamlessly into the

    Laura Baliestiero Coldwell Banker Realty - Concord

    12 Meditation Ln Unit 12, Lancaster, MA 01523
  • /5

    $749,900

    • 7 Beds
    • 3.5 Baths
    • 4,538 Sq Ft

    24 Catharine St, Worcester, MA 01605

    Large 3 Family behind U-Mass hospital. Updates include some windows, doors, plumbing, roof, electrical and water heaters. Easy access to route 9 and 290, bus and shops. Nice private fenced in yard with 4 car off street parking.

    Michael Sullivan T.A. Sullivan Agency Inc.

    24 Catharine St, Worcester, MA 01605
  • /27

    $629,900 Open Sat 12PM - 3PM

    • 2 Beds
    • 2.5 Baths
    • 2,061 Sq Ft

    3 Black Bear Cir Unit 3, Milford, MA 01757

    Milford’s newest and final Phase (#3) subdivision is now under construction! These free-standing single-family condominiums offer the perfect blend of privacy, style, and low-maintenance living. This Colonial-style home features a spacious first-floor primary suite with a custom-tiled shower and flooring, plus an open-concept layout with a granite kitchen, island, and cabinet-packed design

    Fatima Afonso Afonso Real Estate

    3 Black Bear Cir Unit 3, Milford, MA 01757
  • /42

    $514,000

    • 4 Beds
    • 2 Baths
    • 1,600 Sq Ft

    42 Ancona Rd, Worcester, MA 01604

    Welcome to 42 Ancona Road, Worcester — a charming Cape style home nestled on a quiet and peaceful neighborhood ~~ The first floor features a bright living room filled with natural light, vaulted dining room, modern kitchen with quartz countertops and ss appliances ~~ Two bedrooms, and a full bathroom ~~ The second floor offers two additional spacious bedrooms and another full bath ~~ Step outside

    Hanh Vuong Century 21 XSELL REALTY

    42 Ancona Rd, Worcester, MA 01604
  • /9

    $994,900 New Construction

    • 4 Beds
    • 3.5 Baths
    • 3,113 Sq Ft

    9 Haynes St, Sturbridge, MA 01566

    Stunning New Colonial in a Premier Neighborhood! This beautifully crafted home features a striking exterior with multiple rooflines and a welcoming 20' farmer’s porch. Inside, enjoy a dramatic open floor plan with a spacious great room, gas fireplace, and 4-panel slider to a large deck—perfect for entertaining. The gourmet kitchen boasts a 10' island, granite countertops, and custom cabinetry. A

    David Stead RE/MAX Partners

    9 Haynes St, Sturbridge, MA 01566
  • /11

    $400,000

    • 4 Beds
    • 2 Baths
    • 1,598 Sq Ft

    52 Stony Brook Dr, Southbridge, MA 01550

    Welcome to this charming cape nestled in one of Southbridge desirable neighborhoods. This spacious 4-bedroom, 2 bath home offers the perfect blend for comfort and character, featuring a warm and inviting layout. The main level includes a bright living room and an eating kitchen with ample cabinet space and 2 bedrooms (one bedroom currently being used as the dining room) with a full bath.

    Joselyne Santiago Lamacchia Realty, Inc.

    52 Stony Brook Dr, Southbridge, MA 01550
  • /32

    $629,000

    • 2 Beds
    • 2.5 Baths
    • 1,821 Sq Ft

    3 Pondside Ln Unit 3, Bolton, MA 01740

    Welcome home to this beautiful townhome in Bolton's premiere 55+ community, the Regency. High ceilings and open space greets you when you walk in, and the easy flow on the first floor is welcoming. Filled with light, the kitchen, living and dining spaces all flow into each other, allowing you to be part of the conversation while using the sizable kitchen. First floor master suite, with its

    Mark Bernardino eXp Realty

    3 Pondside Ln Unit 3, Bolton, MA 01740
  • /34

    $1,500,000 Open Sun 12:30PM - 2PM

    • 5 Beds
    • 5.5 Baths
    • 6,137 Sq Ft

    23 Bens Way, Hopedale, MA 01747

    Welcome to 23 Bens Way, a beautifully renovated home offering privacy, space, and modern comfort on nearly 4 acres of land. Fully remodeled in 2022, this stunning property features 6 bathrooms, one dedicated office, and two fireplaces, making it perfect for today’s lifestyle with room to live, work, and entertain.The updated kitchen is the heart of the home, complemented by spacious living areas

    Alefe Oliveira Boston One Realty Group Inc

    23 Bens Way, Hopedale, MA 01747
  • /21

    $349,900

    • 3 Beds
    • 2 Baths
    • 2,010 Sq Ft

    87 Bellevue Dr E, Athol, MA 01331

    Tucked away on a quiet dead-end street near Sportsman Pond, this spacious multi-level home offers room to grow and plenty of potential. Set on nearly half an acre, the property provides both privacy and flexibility. Inside, you'll find 3 bedrooms, 2 full baths, an enclosed porch, and a cozy patio. The attached two-car garage adds convenience, but the real standout is the oversized 3-bay garage

    Donald Mailloux Coldwell Banker Community REALTORS®

    87 Bellevue Dr E, Athol, MA 01331
  • /39

    $645,000 Open Sun 10AM - 11AM

    • 3 Beds
    • 2.5 Baths
    • 1,952 Sq Ft

    17 Woodworth Ave, Fitchburg, MA 01420

    Welcome to 17 Woodworth Ave, a peaceful 3-year-young, 3-bedroom, 2.5-bath Colonial tucked away on a quiet dead-end street just steps from Cogshall Park. This thoughtfully designed home showcases upgraded features throughout, blending modern comfort with timeless New England charm. Surrounded by lush gardens filled with perennials and beautifully landscaped grounds, it offers a true sense of

    Ashley Marrama Lamacchia Realty, Inc.

    17 Woodworth Ave, Fitchburg, MA 01420
  • /21

    $1,594,000

    • 4 Beds
    • 3.5 Baths
    • 3,489 Sq Ft

    1 Century Mill Rd, Bolton, MA 01740

    Ready for Fall Move In! Welcome to Bolton Hill Estates, where modern luxury meets timeless farmhouse charm. Nestled in Bolton, just minutes from downtown Hudson, this 3,480 sq. ft. home offers 4 bedrooms, 3.5 baths, and a 3-car garage on a private lot. Enjoy sun-filled open spaces, a gourmet kitchen with blend of white and wood cabinetry, quartz countertops, and premium finishes. Relax in your

    Janice Dumont JD Advisors, Inc

    1 Century Mill Rd, Bolton, MA 01740
  • /42

    $765,000

    • 3 Beds
    • 3 Baths
    • 3,005 Sq Ft

    32 Aylesbury Rd, Worcester, MA 01609

    Sprawling 3000SF Mid Century Modern Ranch. This property has been completely remodeled. New Kitchen with stainless steel appliances and granite, new flooring throughout, fresh paint, new rear sliders to a spacious rear patio which is great for entertaining, new roof, and new gas heating, new AC units, fully updated electrical and plumbing. Enjoy the oversized screened porch or sit outside on the

    Mark Consolmagno RE/MAX Vision

    32 Aylesbury Rd, Worcester, MA 01609
  • /35

    $464,000

    • 3 Beds
    • 2 Baths
    • 1,695 Sq Ft

    15 Cumberland St, Worcester, MA 01606

    Introducing 15 Cumberland Street — a well-loved, one-family home that has been thoughtfully cared for since it was built. This raised ranch is set on a generous 7,653 sq ft lot in a quiet, convenient corner of Worcester. The main level welcomes you with airy, sunlit rooms and a comfortable flow. The living area opens to a bright kitchen, and the floor plan includes three well-proportioned

    Alyssa Coyle Real Broker MA, LLC

    15 Cumberland St, Worcester, MA 01606
  • /35

    $789,000

    • 6 Beds
    • 3 Baths
    • 2,984 Sq Ft

    80 Delmont Ave, Worcester, MA 01604

    The oversized 2 family is tucked away in the heart of the Commonwealth ready for you to call it home! The first floor unit has a sprawling layout complete with two large bedrooms, oversized living room and bonus area off the living that could be used as an office or dining space. The eat in kitchen is complete with granite countertops and large windows letting in ample natural light all day long!

    Nicholas Baniukiewicz LAER Realty Partners

    80 Delmont Ave, Worcester, MA 01604
  • /31

    $435,000

    • 5 Beds
    • 2 Baths
    • 2,116 Sq Ft

    20 Pleasantview Ave, Fitchburg, MA 01420

    It's NOT often you find a 5 Bedroom home, ready to welcome its new owners. The heart of this home resides in its kitchen, a space designed for both cooking and casual gatherings, featuring a kitchen peninsula! Fitchburg is booming with so much to offer! This home is situated moments from Route 2, making commuting a breeze. With five bedrooms and two full bathrooms, this residence provides ample

    Jillian Graciale Coldwell Banker Realty - Leominster

    20 Pleasantview Ave, Fitchburg, MA 01420
  • /33

    $369,000

    • 6 Beds
    • 4 Baths
    • 2,868 Sq Ft

    22 Allen St, Athol, MA 01331

    Large side-by-side 2 Unit Multi Family with 2 bay garage! Unit 1 boasts modern upgrades on home ownership to the kitchen and bathroom! To include flooring, cabinets, counters, vanity and fixtures. Hardwood flooring! Bright living room, dining room and 3 bedrooms with a possible additional BR or Office! Unit 2 has a galley type kitchen, Formal dining room, living room & 3 bedrooms with laminate

    Kelle O'Keefe Keller Williams Realty North Central

    22 Allen St, Athol, MA 01331
  • /27

    $384,900

    • 3 Beds
    • 1.5 Baths
    • 1,142 Sq Ft

    5 Edwidge St, Worcester, MA 01602

    Welcome home to this move-in ready 3 bedroom, 1.5 bath home located on a dead-end street in Worcesters desirable Tatnuck west side neighborhood. When you enter you’ll be greeted by a large mud room with lots of space for coats, shoes or extra storage. This home features a great open concept with hardwood floors throughout. The first floor features a large living room, dining room, plus kitchen

    Pam McCray Naples Realty Group

    5 Edwidge St, Worcester, MA 01602
  • /28

    $355,000

    • 2 Beds
    • 2.5 Baths
    • 1,367 Sq Ft

    2 Victoria Dr Unit 1, Auburn, MA 01501

    Welcome to easy living in a peaceful setting! This 2-bedroom, 2.5-bath townhouse condo complete with garage is perfectly situated in a quiet neighborhood, offering comfort, convenience, and style. The open-concept main floor is bright and inviting, featuring a nice living room and light filled dining area leading into the kitchen—ideal for both entertaining and everyday living. A half bath on the

    Donna Molet Keller Williams Realty North Central

    2 Victoria Dr Unit 1, Auburn, MA 01501
  • /38

    $459,000

    • 2 Beds
    • 1.5 Baths
    • 1,621 Sq Ft

    1 Ashcroft St, Auburn, MA 01501

    Welcome to this oversized ranch with space in all the right places! Featuring 2 generously sized bedrooms, 1.5 baths, a bright sunroom, dining room, and an extra-large living room with a cozy fireplace. The kitchen offers an island and plenty of cabinets, and the open basement brings even more potential with its own fireplace and cedar closet. Some wallpaper and wall-to-wall carpeting, and the

    Cathy Meyer Coldwell Banker Realty - Worcester

    1 Ashcroft St, Auburn, MA 01501
  • /29

    $339,000

    • 3 Beds
    • 1.5 Baths
    • 1,536 Sq Ft

    20 Glover St, Southbridge, MA 01550

    Welcome to this charming updated home featuring stunning hardwood floors, updated kitchen with granite, a new half bath on the first floor, and refreshed hardwood flooring in most rooms. Recent upgrades include brand-new windows for improved energy efficiency and updated electrical wiring for peace of mind.The home offers a layout with a convenient first-floor bedroom, forced hot air heating, and

    Emily Therrien Winslow Homes LLC

    20 Glover St, Southbridge, MA 01550
  • /41

    $599,000 Open Sat 11AM - 12:30PM

    • 3 Beds
    • 2 Baths
    • 1,995 Sq Ft

    84 Murray Rd, Ashburnham, MA 01430

    SANCTUARY!!! finds this gorgeous Cobtemporary Cape with soaring ceilings, Enter into the living room cathedral ceilings, wood fireplace and hardwood floors, everythingis light and bright and airy, then on to the open concept dining room with access to deck which runs the length of the house in back, and abuts lots of woods. then U-shaped kitchen which has tile floor and granite counters, and

    Diane Dimacale LAER Realty Partners

    84 Murray Rd, Ashburnham, MA 01430
  • /10

    $847,500 Open Sat 11:30AM - 1PM

    • 4 Beds
    • 2.5 Baths
    • 2,837 Sq Ft

    2 White Ct, Douglas, MA 01516

    Welcome to modern farmhouse living reimagined w/magazine-worthy style & timeless appeal. From the striking black windows to the inviting farmer’s porch, this home sets the tone for slow mornings & relaxed evenings. Step inside to a sun-filled open layout where thoughtful design and fine craftsmanship shine, creating spaces meant to be lived in and loved. The chef’s kitchen anchors the home

    THE LASH GROUP Keller Williams Boston MetroWest

    2 White Ct, Douglas, MA 01516
  • /31

    $549,900

    • 3 Beds
    • 2.5 Baths
    • 1,619 Sq Ft

    10 Windsor St Unit C, Worcester, MA 01605

    Welcome home to these beautifully crafted, brand-new townhomes offering modern living in an unbeatable location directly across from Grant Square Park. Thoughtfully designed with style and comfort in mind, each unit features gleaming hardwood flooring throughout and a cabinet-packed kitchen complete with stainless steel appliances, quartz countertops, and a matching quartz backsplash for a sleek,

    Mark Peris Andrew J. Abu Inc., REALTORS®

    10 Windsor St Unit C, Worcester, MA 01605
  • /8

    $559,900

    • 4 Beds
    • 3 Baths
    • 1,794 Sq Ft

    572 Wheelwright Rd, Barre, MA 01005

    Nestled at 572 Wheelwright Rd, Barre, MA, this single-family residence in Worcester County offers a compelling invitation into a lifestyle of comfort. Newly built in 2025, this home presents itself as a modern canvas, ready to be infused with your personal style. The heart of this residence undoubtedly lies within its four bedrooms and three full bathrooms, providing ample space for your family.

    Paul Varney Waterwheel Realty

    572 Wheelwright Rd, Barre, MA 01005
  • /38

    $525,000

    • 3 Beds
    • 3 Baths
    • 2,070 Sq Ft

    330 Benjamin St, Winchendon, MA 01475

    Welcome to this charming ranch-style home nestled on over 3 acres of picturesque land. Enter to a spacious formal living & dining area, filled w/ natural light through a large picture window. A comfortable den w/ fireplace & sliding glass doors opens to your back deck. The kitchen boasts a farmhouse sink & a dining area w/ a bay window overlooking your vast backyard. This home offers a convenient

    Leslie Tondreau Lamacchia Realty, Inc.

    330 Benjamin St, Winchendon, MA 01475
  • /30

    $1,249,000

    • 4 Beds
    • 4 Baths
    • 3,587 Sq Ft

    61 Boutelle Rd, Sterling, MA 01564

    REDUCED $50K! Stunning 3,600 SF Colonial newly constructed by the Fossile Brothers is set on two beautiful, flat acres in a serene Sterling location. This impressive home features 4 spacious bedrooms and 4 full tiled baths. The 26x16 gourmet kitchen is a showstopper with quartz countertops, stainless-steel appliances and a large dining area perfect for entertaining. Gleaming hardwood floors flow

    Richard Anzalone Remax A-Team

    61 Boutelle Rd, Sterling, MA 01564
  • /21

    $404,000

    • 3 Beds
    • 2 Baths
    • 1,939 Sq Ft

    589 Gaskill St, Woonsocket, RI 02895

    Welcome to the North End's hidden gem, a charming Woonsocket Conventional/Victorian that serves classic character with a side of cozy comfort. Tucked in the desirable and historic North End neighborhood, this home sits less than a mile from the Massachusetts border, Cold Spring Park, and the vibrant downtown scene. Commuters, rejoice with quick access to RI-146 keeps your travels smooth and

    Leann D'Ettore Homistic Real Estate, Inc.

    589 Gaskill St, Woonsocket, RI 02895
  • /41

    $1,494,168

    • 4 Beds
    • 3 Baths
    • 3,658 Sq Ft

    27 Spring Rd, Westborough, MA 01581

    Welcome to 27 Spring Rd, a home warmed each morning by gentle East-facing light. From the moment you enter, there is a sense of calm, care, and craftsmanship. Just a short walk to Sandra Pond, the home is surrounded by nature and quiet, creating a peaceful backdrop for daily life. The upgraded kitchen is the center of the home, featuring premium Thermador appliances and Cambria quartz that

    Michael Mathieu Mathieu Newton Sotheby's International Realty

    27 Spring Rd, Westborough, MA 01581
  • /17

    $324,900

    • 3 Beds
    • 1.5 Baths
    • 1,048 Sq Ft

    13 Merchant St, Worcester, MA 01603

    Tucked in between ball parks, Parson's Cider Mill hiking area, Kettle Brook Conservation and Apricot Street Playground right across the street this location has a lot to offer! All this plus a good size 1st floor bedroom, large sunny kitchen and a detached garage as well!! Don't wait see this today! Agents please see note...seller requests all offers be submitted on their portal.

    Nilton Lisboa Lisboa Realty

    13 Merchant St, Worcester, MA 01603
  • /33

    $1,250,000

    • 4 Beds
    • 3.5 Baths
    • 4,100 Sq Ft

    4 Horseneck Rd, Shrewsbury, MA 01545

    Welcome to our updated Colonial in the highly desired Stonybrook Farm neighborhood, just a half mile from town center. The established neighborhood provides an ideal place to live. Located within a district ranked in Niche's Top 20 Best School Systems in MA, this home delivers exceptional long-term value. Set on nearly a half-acre, the property includes a private fenced yard, a free-form

    Bruce Burlingame CrossRoads Real Estate Group

    4 Horseneck Rd, Shrewsbury, MA 01545
  • /39

    $449,900

    • 6 Beds
    • 3 Baths
    • 3,459 Sq Ft

    29 Brigham Park, Fitchburg, MA 01420

    BIG VALUE - Classic Antique Colonial, Stunning Lot, 3 Levels of Living Space. Come see this magnificent colonial with 10 rooms, 6 bedrooms, 3 full baths, office and 1 car garage, on a level .58 acre lot. Enter into the grand foyer with 9' ceilings, beveled glass side lights, hardwood floors and stunning staircase. 1st floor comes complete with eat in kitchen, slider to backyard deck, formal

    Michael Beaudoin Coldwell Banker Realty - Leominster

    29 Brigham Park, Fitchburg, MA 01420
  • /29

    $370,000

    • 2 Beds
    • 1.5 Baths
    • 1,608 Sq Ft

    71 Belgian Way, Fitchburg, MA 01420

    Nestled at the back of Bridle Cross Estates, this unit located on the end of Belgian Way offers a spacious open floor plan perfect for entertaining this upcoming holiday season! Clean, corner kitchen w/large island overlooking your dining area and living room w/gas fp for cozy winter nights. A brand new private, composite deck overlooks woods and wildlife just off your living area via sliders!

    Heather Carbone Central Mass Real Estate

    71 Belgian Way, Fitchburg, MA 01420
  • /29

    $785,000 Open Sun 11:30AM - 1PM

    • 12 Beds
    • 3 Baths
    • 4,368 Sq Ft

    1 Cheney St, Worcester, MA 01610

    *Ask about 1st Time Homebuyer programs w/ grants up to $50,000, 3% down payment & closing costs covered* Exceptional investment or owner-occupant opportunity in the heart of Worcester! Perfectly situated just steps from Clark University within the tuition-free zone, this property draws consistent rental demand from students, professionals, and families alike. The well-maintained three-family home

    Johnny Long PRIVI Realty LLC

    1 Cheney St, Worcester, MA 01610
  • /11

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

    • 2 Beds
    • 1.5 Baths
    • 1,026 Sq Ft

    48 Macarthur Dr, Millbury, MA 01527

    A rare waterfront opportunity on Dorothy pond!! A True Diamond in the Rough!!! Bring your ideas and make this house shine again. Enjoy the benefits of waterfront living with approx 50 ft of shoreline. This is a ranch style home with 2 bedrooms and a full bath. Enter the home through a generous sized mudroom that leads through the galley style kitchen with an eat-in dining area. An open floor plan

    Pamela Bott Media Realty Group Inc.

    48 Macarthur Dr, Millbury, MA 01527

Showing Results 441 - 480, Page 12 of 18

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