Wright County MN Homes for Sale with Fireplace

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  $429,900

  • 4 Beds
  • 3 Baths
  • 2,374 Sq Ft

  104 Birch Ave NW, Saint Michael, MN 55376

  Beautiful 4-Bedroom Home with 3 Baths and a 3-Stall Garage!This spacious and inviting home offers the perfect blend of comfort and style. The main level is designed for both entertaining and everyday living, featuring a large open-concept family room and kitchen complete with custom cabinets, tiled backsplash, and stainless steel appliances. A convenient half bath and laundry room are also

  Jessica Holton Coldwell Banker Realty

  104 Birch Ave NW, Saint Michael, MN 55376
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  /23

  $299,900

  • 2 Beds
  • 2 Baths
  • 1,430 Sq Ft

  4674 Eagle Ridge Ln, Monticello, MN 55362

  Welcome home to this beautifully maintained 2 bedroom, 2 bathroom home in a desirable Monticello location! This single level living gem features an open concept floor plan with a spacious living area, vaulted ceilings, sunroom with gas fireplace, large primary suite with 10' ceilings, new LVP flooring,new marble flooring, new lighting, fresh paint, insulated and heated garage, epoxy garage floor

  Raymond Clark RE/MAX Results

  4674 Eagle Ridge Ln, Monticello, MN 55362
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  /34

  $405,000

  • 4 Beds
  • 2 Baths
  • 2,086 Sq Ft

  5455 Farley Ave SE, Delano, MN 55328

  Save on your electric bill! This home is part of a solar energy program. Welcome to this updated 4-bedroom, 2-bathroom split-level home in Delano sits on a spacious 1-acre lot and features a spacious 3-car garage. Updates include a NEW deck, fresh paint interior and exterior, countertops, back splash, stainless steel kitchen appliances, new carpet on the upper level, LVP flooring on the lower

  Anthony Nguyen HOMESTEAD ROAD

  5455 Farley Ave SE, Delano, MN 55328
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  /29

  $229,900

  • 2 Beds
  • 1.5 Baths
  • 1,382 Sq Ft

  10545 74th St NE Unit 3, Albertville, MN 55301

  *Seller will pay the association dues through 2025 with acceptable offer!* Move-In Ready Gem in Otsego! This clean and well-maintained 2-bedroom, 2-bathroom home offers comfort and style in every corner. Enjoy a spacious vaulted living room filled with natural light, large kitchen with an abundance of cabinets plus stainless steel appliances, an upper-level laundry for added convenience, and a

  Jeremiah Bouley RE/MAX Results

  10545 74th St NE Unit 3, Albertville, MN 55301
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  /53

  $484,900

  • 4 Beds
  • 2.5 Baths
  • 3,276 Sq Ft

  400 Bluffs Pkwy, Buffalo, MN 55313

  Introducing 400 Bluffs Parkway in Buffalo. This spacious 4-bedroom, 2.5-bathroom, two-story home was built in 2007 and features over 3,000 square feet of finished living space. Located in the desirable Sundance Ridge neighborhood, the home sits on over a quarter acre with sweeping views of a nature-filled wetland area and Buffalo Lake right from your own backyard. The home has seen a number of

  Brendan Mooney Your Next Place Real Estate

  400 Bluffs Pkwy, Buffalo, MN 55313
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  /29

  $429,900

  • 2 Beds
  • 2 Baths
  • 1,524 Sq Ft

  1228 Cypress Dr W, Annandale, MN 55302

  One of the few “Patio Homes” in Southbrook with a Full (unfinished) Basement! One Level Living with the option to finish the basement with additional bedrooms, bathroom and/or family room for almost 3000 square feet of finished livable space. This custom built 2 bedroom, 2 bath home features an open floor plan with wood and tile floors, gas fireplace, vaulted cedar ceilings, granite counter tops

  Mark Lampi Lampi Auctioneers Inc

  1228 Cypress Dr W, Annandale, MN 55302
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  /13

  $259,900

  • 2 Beds
  • 2 Baths
  • 1,497 Sq Ft

  111 Garner Cir, Montrose, MN 55363

  One level living! Well maintained one-owner 2 bedroom, 2 bath detached townhome with an open floor plan, electric fireplace, vaulted knotty pine 4-season porch, concrete patio, & finished, insulated 2-car garage. Easy, single level living at it's best - no stairs inside or out with lawncare and snow removal provided by the association. Estate sale, as-is addendum required.

  Jeff Vanderlinde Vanderlinde Group | Edge Realty, Inc.

  111 Garner Cir, Montrose, MN 55363
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  /64

  $619,900

  • 5 Beds
  • 3.5 Baths
  • 3,234 Sq Ft

  2301 Kester Ave NE, Saint Michael, MN 55376

  Welcome home to prestigious Lakeshore Preserve in St. Michael, MN! Newer quality built 2-story home in 2019 (Hanson builders original Elliot Plan), fully finished on an amazing deep lot with stunning sunset back views and lots of space to play, no one directly behind and adjacent to the neighborhood pool and playground! Common neighborhood amenities include inground pool/pool house, playground,

  Julie Betzler LPT Realty, LLC

  2301 Kester Ave NE, Saint Michael, MN 55376
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  /61

  $649,900

  • 5 Beds
  • 4 Baths
  • 3,560 Sq Ft

  5857 Quin Ave NE, Otsego, MN 55330

  This one checks all the boxes, better than new construction! Built in 2022 and packed with upgrades you won't find in most new builds. Enjoy a 500 sq ft concrete patio with pergola, fully fenced yard, and a front patio perfect for relaxing. Fresh carpet and paint (2025) throughout. The open-concept layout features a spacious living room with a gas fireplace and a gourmet kitchen with granite

  Benjamin Troxel JPW Realty

  5857 Quin Ave NE, Otsego, MN 55330
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  /38

  $460,000 Open Sat 12PM - 2PM

  • 4 Beds
  • 2.5 Baths
  • 2,211 Sq Ft

  11519 22nd Cir NE, Saint Michael, MN 55376

  Charming home with stunning woodwork throughout. Welcome to this beautifully maintained custom home in The Landings—an upgrade from today’s typical spec builds. From the moment you step inside, you'll notice the exquisite woodwork in every room. The cozy living room invites you to unwind by the fireplace, framed by classic built-in cabinets that blend charm and functionality. No popcorn ceilings

  Lynn Frantzen Keller Williams Integrity Realty

  11519 22nd Cir NE, Saint Michael, MN 55376
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  /31

  $480,000

  • 5 Beds
  • 2.5 Baths
  • 2,599 Sq Ft

  6153 Marshall Ave NE, Otsego, MN 55301

  Amazing Opportunity in Magnolia Landing of Otsego! Step inside to discover a bright and stylish interior featuring double oven, quartz countertops, huge pantry, stainless steel appliances, hardwood flooring, and a fresh neutral palette. The upper level boasts an impressive five bedrooms, including a spacious owner’s ensuite with double sinks, a versatile loft area, and a convenient laundry room.

  April Manchik Lakes Sotheby's International

  6153 Marshall Ave NE, Otsego, MN 55301
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  /47

  $799,900

  • 5 Beds
  • 3.5 Baths
  • 3,380 Sq Ft

  3258 Antelope Ave SW, Montrose, MN 55363

  A PRIVATE, TREE-LINED DRIVEWAY welcomes you to this stunning 5-bedroom, 4-bathroom retreat, nestled on a SECLUDED 10-ACRE WOODED estate ideally situated between Buffalo and Montrose. Surrounded by towering oaks and abundant wildlife, the property offers the perfect blend of privacy, natural beauty, and modern comfort. Outdoor enthusiasts will appreciate the direct access to a scenic bike trail,

  Carter Nelson eXp Realty

  3258 Antelope Ave SW, Montrose, MN 55363
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  /17

  $339,900

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

  301 61st St, Waverly, MN 55390

  This modern twinhome was newly built in 2024. Nestled in a cul-de-sac within a new development, this unit offers convenient one-level living with zero-entry access. The open concept design features an expansive kitchen, dining, and living area. The sleek kitchen includes white cabinets, stainless steel appliances, and a large island. A cozy fireplace enhances the living space, while the adjacent

  Carter Nelson eXp Realty

  301 61st St, Waverly, MN 55390
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  /50

  $1,299,900

  • 4 Beds
  • 4 Baths
  • 3,725 Sq Ft

  6998 75th St NW, Maple Lake, MN 55358

  This charming country home represents a rare opportunity. Sitting on approximately 18 acres of land, and also featuring around 720 feet of lakeshore along Somers Lake. The remodeled country home showcases a blend of modern renovations and original charm, with many Victorian antique details restored, and some custom made, including the fireplace and light fixtures. Addition built to match the

  Tiffini Kiebel Oak Realty LLP

  6998 75th St NW, Maple Lake, MN 55358
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  /52

  $2,999,900

  • 6 Beds
  • 5.5 Baths
  • 8,075 Sq Ft

  15713 58th St NW, Annandale, MN 55302

  Welcome to this exquisite luxury estate that embodies the ultimate in lakefront living on the beautiful shores of West Lake Sylvia. This magnificent 6-bedroom, 6-bathroom home, nestled on approximately 2.5 acres with nearly 230 feet of pristine lakeshore, offers over 8,000 square feet of thoughtfully designed living space, inviting you to experience comfort and elegance at every turn. From the

  Marci Segner RE/MAX Advantage Plus

  15713 58th St NW, Annandale, MN 55302
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  /35

  $999,999

  • 4 Beds
  • 3.5 Baths
  • 4,861 Sq Ft

  17648 60th St NW, South Haven, MN 55382

  Welcome to a truly one-of-a-kind property where comfort, natural beauty, and thoughtful design come together on 44 scenic acres. This custom-built home was crafted to embrace its surroundings, maximizing natural light, open spaces, and spectacular views of the woods, prairie, and wetlands. Step inside to a warm and inviting open-concept living area featuring soaring vaulted ceilings and a

  Marci Segner RE/MAX Advantage Plus

  17648 60th St NW, South Haven, MN 55382
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  /71

  $999,900

  • 4 Beds
  • 3.5 Baths
  • 4,461 Sq Ft

  6702 145th St NW, Clearwater, MN 55320

  This exquisite timber-framed 4-bed, 4-bath home sits on 37 wooded acres with a pond, stream, and rock gardens—perfect for multi-generational living. This property includes a large two-level deck, perfect for enjoying the serene surroundings. Inside, white oak hand-carved beams and massive windows highlight breathtaking views. The chefs kitchen features double ovens, a 6-burner gas stove, and a

  Janel Morgan RE/MAX Results

  6702 145th St NW, Clearwater, MN 55320
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  /34

  $249,900

  • 2 Beds
  • 2 Baths
  • 1,550 Sq Ft

  11219 77th St NE, Albertville, MN 55301

  Welcome home to this spacious and beautifully maintained townhome in a quiet Ostego neighborhood, just a short walk from Beaudry Meadows Park! The open-concept main level features vaulted ceilings, oversized windows, a cozy gas fireplace, a 3/4 bath, and the first of two bedrooms—perfect for guests or a home office. The kitchen offers rich wood cabinetry and stainless steel appliances for a warm,

  Shayne Hall eXp Realty

  11219 77th St NE, Albertville, MN 55301
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  /39

  $137,000

  • 1 Bed
  • 1 Bath
  • 400 Sq Ft

  2945 County Road 4 SW Unit 521, Cokato, MN 55321

  Spacious, bright one-level park model RV with soaring ceilings. 2009 Breckenridge with substantial storage. Front kitchen and dining area. Bathroom with shower and more cabinets. Lots of headroom, windows. Screened sun room is less than 2 years old and has solid top so no need to remove it each fall, quality, custom-built - doubles your enjoyment area! Shed is 10x12 and a also almost new. Good

  Rachel Huls RE/MAX Results

  2945 County Road 4 SW Unit 521, Cokato, MN 55321
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  /38

  $450,000

  • 4 Beds
  • 3.5 Baths
  • 2,242 Sq Ft

  1406 Freedom Ln, Delano, MN 55328

  Relocation for work out of state makes this house available!! Better than new construction already installed new Washer/Dryer and all appliances, curtains will remain! Fully finished development! NO HOA. This home absolutely boasts a KILLER forever view. The Crow River is your backdrop while you eat dinner at your dining room table. BEST home placement in Liberty Landing. Minutes away from

  Kathi Vetter RE/MAX Results

  1406 Freedom Ln, Delano, MN 55328
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  /16

  $309,900

  • 2 Beds
  • 2 Baths
  • 1,524 Sq Ft

  3621 Lansing Ave NE, Saint Michael, MN 55376

  Easy one level living in the Cottages of Coldwater Creek on a quiet cul-de-sac lot. Very sharp, well maintained end unit, one of the largest in the development. Very functional floor plan with a large living room boosts lot of natural light with soaring vaults and gas fireplace. The sun room has sliding french doors for privacy and walks out to patio with private backyard and garden area just

  Dean Zachman RE/MAX Results

  3621 Lansing Ave NE, Saint Michael, MN 55376
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  /47

  $479,900

  • 4 Beds
  • 3.5 Baths
  • 3,493 Sq Ft

  11474 W Laketowne Dr, Albertville, MN 55301

  Enjoy sunset views on your porch of "School Lake," which covers 67 acres. The neighborhood also features a fishing dock (with species such as Northern Pike, Large-mouth bass, catfish, blue gill & more), a community center, an outdoor swimming pool, walking trails, and a dog park. This custom-built home includes 4 bedrooms, 4 bathrooms, and has over 3300 finished square feet. The main floor has a

  Team Baxter Jackie and Bart RE/MAX Professionals

  11474 W Laketowne Dr, Albertville, MN 55301
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  /76

  $772,500

  • 3 Beds
  • 2 Baths
  • 1,740 Sq Ft

  11166 State Highway 24 NW, Annandale, MN 55302

  THIS PROPERTY HAS IT ALL - JUST MOVE IN & ENJOY! WELCOME TO YOUR DREAM HORSE PROPERTY! NESTLED ON 18 BEAUTIFULLY MAINTAINED ACRES. THIS IMMACULATE ESTATE COMBINES COMFORT, EFFICIENCY, AND EQUESTRIAN EXCELLENCE. THE THOUGHTFULLY DESIGNED PATIO-STYLE HOME FEATURES 4-ZONE IN-FLOOR HEAT - INCLUDING IN THE OVERSIZED, ATTACHED GARAGE - ALONG WITH ENERGY SAVING OFF-PEAK HEAT & COOLING, PLUS A COZY GAS

  Deb Becker Keller Williams Integrity NW

  11166 State Highway 24 NW, Annandale, MN 55302
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  /41

  $629,800 Open Sun 12PM - 2PM

  • 3 Beds
  • 3 Baths
  • 3,269 Sq Ft

  5201 Ramier Ave NE, Otsego, MN 55374

  WELCOME HOME! This Immaculately Maintained home backs up to the breathtaking Crow River Valley, offering unparalleled serene views and unmatched privacy. Better than new construction and shows like a model home! This one-of-a-kind Brighton Plan offers an open-concept floor plan with natural sunlight flooding every room. Neutral color choices make it feel warm and inviting, while the gas stone

  Michelle Martin Keller Williams Classic Rlty NW

  5201 Ramier Ave NE, Otsego, MN 55374
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  /30

  $364,900

  • 2 Beds
  • 2 Baths
  • 1,658 Sq Ft

  154 Kings Pointe Dr, Delano, MN 55328

  Custom built in 2020! One level living with abundant storage! End unit with great views of pond and private lot! 9 foot ceilings! Vaulted ceiling in primary bedroom! Open floor plan highlighting the designer kitchen! With gas range and stainless appliances! Gas fireplace surrounded by custom brick work! Laundry room, Den! minutes to the schools just north on Tiger Drive! Minutes to

  Gregory Gray Lakes Area Realty G.V.

  154 Kings Pointe Dr, Delano, MN 55328
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  /27

  $419,900

  • 2 Beds
  • 2 Baths
  • 1,739 Sq Ft

  1175 Willowbrook Cir, Delano, MN 55328

  This beautifully designed home offers a stunning kitchen featuring granite countertops, stainless steel appliances, and a center island with a breakfast bar, perfect for entertaining. Walls of windows flood the open-concept living space with natural light, while the cozy fireplace in the living room creates a warm and inviting atmosphere.The luxurious master suite is a true retreat, complete with

  Kevin Butcher Edina Realty, Inc.

  1175 Willowbrook Cir, Delano, MN 55328
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  /81

  $1,749,000

  • 4 Beds
  • 4.5 Baths
  • 6,435 Sq Ft

  9811 Endicott Ave NW, Maple Lake, MN 55358

  Southern charm awaits you. This is an extraordinary home nestled on 33 acres with 1,000 feet of pristine, private shoreline. This is more than a home; it’s an experience where luxury meets the natural beauty of the outdoors.As you arrive, the charming front porch welcomes you, setting the tone for what’s to come. Step inside to a light-filled foyer and be instantly captivated by the grand

  Janel Morgan RE/MAX Results

  9811 Endicott Ave NW, Maple Lake, MN 55358
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  /42

  $739,900

  • 3 Beds
  • 2 Baths
  • 2,340 Sq Ft

  1867 County Road 35 W, Buffalo, MN 55313

  Nestled between a tranquil pond and the serene Lake Berthiaume, this stunning 3-bedroom, 2-bath log home offers the perfect blend of rustic charm and modern comfort. Spanning over 13+ wooded acres, this property promises peace and privacy in a picturesque setting. As you approach, you'll be greeted by a wrap-around deck that invites you to relax and soak in the natural beauty surrounding you. The

  Charlene Wurm Coldwell Banker Realty

  1867 County Road 35 W, Buffalo, MN 55313
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  /43

  $950,000

  • 4 Beds
  • 3 Baths
  • 3,975 Sq Ft

  8478 Acacia Ave NE, Monticello, MN 55362

  Experience the serenity of country living at it's finest, with this stunning custom-designed walkout rambler, nestled on over 10 rolling acres just three miles from Monticello. Whether you're seeking privacy, a place to raise horses or other animals, or simply wanting a peaceful retreat then this property is a must-see!The main level features an open floor plan with soaring ceilings, hardwood

  Bruce McAlpin Edina Realty, Inc.

  8478 Acacia Ave NE, Monticello, MN 55362
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  /12

  $318,000

  • 2 Beds
  • 2 Baths
  • 1,963 Sq Ft

  181 Cardinal Ln, Clearwater, MN 55320

  Twin home / Sellers have Assumable VA loan with rate of 3%. Primary Suite and Private Bathroom. Guest Bedroom and separate Bathroom. 4 Season Porch, Concrete Patio, Heated Garage with Concrete Driveway and Front entry area. Large Kitchen with Breakfast Bar, Kitchen Dinette. Anderson Windows. Gas Fireplace in Living Room. Finished Extra Storage above garage. Amenities include Club House with Pool,

  Jeff Nagorski Weichert Realtors-MNsota

  181 Cardinal Ln, Clearwater, MN 55320
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  /76

  $1,250,000

  • 3 Beds
  • 3.5 Baths
  • 2,256 Sq Ft

  11599 Kramer Ave NW, Annandale, MN 55302

  Experience the perfect blend of comfort and breathtaking lakefront views in this beautiful home, situated on the shores of Clearwater Lake, spanning an impressive 3,196 acres. This thoughtfully designed residence offers 3 spacious bedrooms, 4 bathrooms, and an inviting open-concept layout that showcases the best of lakeside living. Step into the expansive living room, where a wall of windows

  Steve Bruggerman Oak Realty LLP

  11599 Kramer Ave NW, Annandale, MN 55302
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  /52

  $1,225,000

  • 4 Beds
  • 4 Baths
  • 4,196 Sq Ft

  5191 Christen Ave NE, Buffalo, MN 55313

  Discover tranquility on just over 14 acres with this private and serene property. Step inside to a light-filled living room with expansive windows and incredible views. Recently remodeled in 2023, the kitchen is a chef's dream. The private primary suite is a retreat of its own, complete with a private 3-season porch. An additional bedroom and bathroom on this level, which could double as

  Jody Walter Coldwell Banker Realty

  5191 Christen Ave NE, Buffalo, MN 55313
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  /26

  $140,000

  • 2 Beds
  • 1 Bath
  • 400 Sq Ft

  2945 County Road 4 SW Unit 336, Cokato, MN 55321

  Beautiful 2016 Heritage Park Model with quality hickory cabinets and built-ins; Loft has enclosed "bedroom" with built-ins plus another loft area that is more open. MF has bedroom with built-ins; large bathroom and plenty of storage. Kitchen/Living area is welcoming and has a movable center island and electric fireplace. Better-than-new condition. State Fair swinging picnic table with covers;

  Rachel Huls RE/MAX Results

  2945 County Road 4 SW Unit 336, Cokato, MN 55321
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  /38

  $139,000

  • 2 Beds
  • 1 Bath
  • 385 Sq Ft

  2945 County Road 4 SW Unit 428, Cokato, MN 55321

  Beautiful 2017 Heritage Park Model with queen bedroom and double loft (half is a 2nd bedroom - Unusual and challenging to find!) on a great corner lot with screened porch and deck, shed, etc. Large back yard/parking area. In-ground heated swimming pool (shared), great Cokato Lake, themed weekend activities ... Memories begin here! Start packing, you will want to stay! (Call ahead as there is a

  Rachel Huls RE/MAX Results

  2945 County Road 4 SW Unit 428, Cokato, MN 55321
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  /8

  $82,500

  • Land
  • 0.02 Acre
  • $4,125,000 per Acre

  555 SE 2nd St, Cokato, MN 55321

  Discover this inviting mobile home located in Cokato, MN, offering a comfortable and affordable living space. This property features a spacious layout with multiple bedrooms and a well-maintained kitchen with ample storage options. Situated in a tranquil setting, the home provides a peaceful retreat with convenient access to nearby local amenities. Experience the superb blend of functionality and

  Steven Koleno BEYCOME OF FLORIDA LLC

  555 SE 2nd St, Cokato, MN 55321
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  /24

  $259,900

  • 2 Beds
  • 2 Baths
  • 1,496 Sq Ft

  4331 Harvest Ct, Monticello, MN 55362

  Attractive, move-in ready, townhome. Great location near schools, shopping, entertainment. Desirable end unit on quiet cul de sac in attractive neighborhood. Spacious rooms and closets. Vaulted ceilings, deck, nice sized kitchen.

  Scott Phillips Edina Realty, Inc.

  4331 Harvest Ct, Monticello, MN 55362
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  /40

  $1,249,900

  • 5 Beds
  • 3.5 Baths
  • 4,079 Sq Ft

  4146 115th St SE, Delano, MN 55328

  Why build? This one's better than new and everything's here. 4 acres with a custom built walkout rambler by LD Homes! This 5 bedroom, 4 bath home features a gourmet kitchen with custom cabinets, high-end SS appliances, quartz tops, center island & tile backsplash. Primary suite with walk-in shower, lighted/defogging mirrors & dual custom closets. 4-season porch, vaulted cedar screened porch, 2

  Jeff Vanderlinde Vanderlinde Group | Edge Realty, Inc.

  4146 115th St SE, Delano, MN 55328
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  /48

  $675,000

  • 5 Beds
  • 4.5 Baths
  • 4,345 Sq Ft

  2717 Kensington Ave NE, Saint Michael, MN 55376

  LIKE NEW, only 1 year old! Welcome to the sought-after Walton floor-plan with custom finishes throughout including architectural arches & stunning wood floors. Bright & open with tons of natural light. Gourmet kitchen w/ white cabinetry, lg center island, SS apps, quartz counters, backsplash, hood & huge pantry. Opens to informal dining and Living Room w/ fireplace & built-ins. ML also with

  Kelly Brown eXp Realty

  2717 Kensington Ave NE, Saint Michael, MN 55376
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  /20

  $72,900

  • 2 Beds
  • 2 Baths
  • 1,092 Sq Ft

  206 Atlantic Ln Unit 63, Rockford, MN 55373

  Your home is waiting for you in Rockford Riverview Estates, a well-maintained, professionally managed manufactured home community. If you're just starting out or have a small family, you owe it to yourself to look at this 2 bed/2 bath, 1092.00 sq. ft. home. Talk to one of our representatives today.

  Kimberly Pontinen Rockford Riverview Estates

  206 Atlantic Ln Unit 63, Rockford, MN 55373
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  /32

  $459,900

  • 4 Beds
  • 3.5 Baths
  • 2,454 Sq Ft

  15365 71st St NE, Otsego, MN 55330

  Professional photos coming soon. Almost new home available in high demanding Otsego area. Home is completely finished leaving no work to be done except for move in and relax. If 4 bedrooms, 4 bathrooms, fireplace, large family area in basement with a walkout, flex room, fenced back yard and on a caul-de-sac is what you are looking for you won't be disappointed. Did we mention irrigation system???

  Tim Cornelius Tim Cornelius Realty LLC

  15365 71st St NE, Otsego, MN 55330

Showing Results 161 - 200, Page 5 of 11