606

Homes for Sale near Early College Academy

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  • /6

    $485,000

    • 2 Beds
    • 1 Bath
    • 3,400 Sq Ft

    528 Alvarado Dr SE, Albuquerque, NM 87108

    Solid , newer 4 plex Property located in established neighborhood. Close to the International District, Medical, Grocery, Public Transportation, Airport and the VA Hospital. All units metered separately. One of the youngest properties in the area. Individually metered. Landlord pays water, trash and sewer. Recent refreshed stucco

    Janis Fensterer Realty One of New Mexico

    528 Alvarado Dr SE, Albuquerque, NM 87108
  • /30

    $455,000

    • 4 Beds
    • 3 Baths
    • 2,442 Sq Ft

    713 Wellesley Dr NE, Albuquerque, NM 87106

    Charming 4-bedroom, 3-bathroom home offering 2,500 sq. ft. of bright, spacious living in one of Albuquerque's most sought-after neighborhoods. This home blends classic Nob Hill character with modern comfort, featuring inviting 2 large living areas, a well-appointed kitchen, and a generous primary suite. The backyard offers ample space for entertaining, while the 2-car garage provides convenience

    Robert Faithe Keller Williams Realty

    713 Wellesley Dr NE, Albuquerque, NM 87106
  • /67

    $685,000

    • 4 Beds
    • 2 Baths
    • 2,190 Sq Ft

    1004 21st St NW, Albuquerque, NM 87104

    Two adobe homes + saltwater pool on a private oversized lot in the coveted Sawmill District -- just blocks from Sawmill Market, museums, and Old Town. The front home is a beautifully updated, fully furnished short-term rental with granite countertops and classic Saltillo tile. The back home is rich in New Mexican soul: two kiva fireplaces, custom brick floors, vigas, and nichos. The 2022 kitchen

    Liska Maddox Maddox & Co/REALTORS

    1004 21st St NW, Albuquerque, NM 87104
  • /7

    $435,000

    • 3 Beds
    • 2 Baths

    607 Pacific Ave SE Unit A, Albuquerque, NM 87102

    Value add opportunity! There are four detached units on one parcel. 607, 609, 611 Pacific Ave SE and 820 Walter St SE. You can lot split, raise rents to market, split 607 into 2 units, or live in 607 and let the rentals pay your mortgage. 607 unit received a new water heater, swamp cooler, and windows in 2024. The whole unit has fresh stucco as of 2023. 611 has a new TPO roof in the flat section

    Nick Chavez Rhino Realty Property Mgmt LLC

    607 Pacific Ave SE Unit A, Albuquerque, NM 87102
  • /23

    $440,000

    • 2 Beds
    • 2 Baths
    • 1,109 Sq Ft

    201 Laguna Blvd NW, Albuquerque, NM 87104

    Great location near Downtown Albuquerque, This charming nicely updated single family home comes completely upgraded with two luxurious and modern bathrooms, and two bedrooms on opposite sides for privacy. This home is in a desirable location between Downtown, Albuquerque and Old Town. Nestled in the prestigious location minutes from the Albuquerque Country Club, Tingley Beach, ABQ Biopark and

    Penny Smith Tierra Mia Realty, Inc

    201 Laguna Blvd NW, Albuquerque, NM 87104
  • /10

    $250,000

    • Land
    • 0.15 Acre
    • $1,666,667 per Acre

    715 Marquette Ave NW, Albuquerque, NM 87102

    A parking lot 22+/- parking spaces, grandfathered in for parking. A choice parcel of land. Right in the middle of downtown. Commercially zoned Mixed-Use Transition Zone (MX-T)A transition between residential neighborhoods and more intense commercial areas. Primary land uses include a range of low density residential, small-scale multi-family, office, institutional and pedestrian-oriented

    Christine Chaves Chaves & Clark Real Estate LLC

    715 Marquette Ave NW, Albuquerque, NM 87102
  • /41

    $710,000

    • 4 Beds
    • 4 Baths
    • 3,178 Sq Ft

    2805 Glenwood Dr NW, Albuquerque, NM 87107

    Beautiful North Valley home. Westside of Rio Grande Blvd. Walking distance to the Nature Center. The Bosque trail is at your finger tips with hiking and bike paths to enjoy. Two living areas, one with a wood burning fireplace making the room cozy. 4 bedrooms, 4 bathrooms on .49 acres. The kitchen features granite counter tops, SS appliances, an island for casual dining and plenty of space to

    Jill Levin Coldwell Banker Legacy

    2805 Glenwood Dr NW, Albuquerque, NM 87107
  • /34

    $360,000

    • 3 Beds
    • 2.5 Baths
    • 1,545 Sq Ft

    311 San Clemente Ave NW, Albuquerque, NM 87107

    ''This sleek, contemporary home by Twilight Homes epitomizes modern luxury. Spanning 1,545 sq ft, it offers 3 bedrooms, 3 bathrooms, and two spacious living areas. High-end finishes include raised ceilings, granite countertops, luxury vinyl flooring, and a covered front porch. The chef's kitchen boasts stainless steel appliances, custom cabinetry, and a large island. The primary suite features a

    Joseph Gonzalez Keller Williams Realty

    311 San Clemente Ave NW, Albuquerque, NM 87107
  • /65

    $673,900

    • 3 Beds
    • 3 Baths
    • 2,410 Sq Ft

    2638 Aloysia Ln NW, Albuquerque, NM 87104

    HUGE PRICE IMPROVEMENT! Cottonwood lined streets welcome you home in a gated community just minutes from Old town, The ABQ Bio Park, Zoo and downtown. This beauty features high ceilings, open floor plan and custom features throughout. Saltillo tiles, hand carved posts, vigas & corbels bring a touch of southwestern sophistication. Three bedrooms on the main floor, including the primary with a gas

    Sean Mallory Mallory Realty & Investments

    2638 Aloysia Ln NW, Albuquerque, NM 87104
  • /20

    $384,900

    • 3 Beds
    • 2 Baths
    • 1,903 Sq Ft

    5316 10th Ct NW, Albuquerque, NM 87107

    WELCOME HOME!! This home has a open floor plan also home features include: Fresh Paint (inside & out) Cabinets. Granite Counter-Top's and Back splash, Stainless Microwave, Self-Cleaning Smooth top electric Range, Dishwasher, Refrigerator, Doors, Opener, Disposal, Fixtures, Bathrooms, Windows, Window Coverings, Doors, Flooring, Large Covered Patio, Refrigerated Air & Heating combo and side

    Theresa Padilla Roadrunner Realty & Investment

    5316 10th Ct NW, Albuquerque, NM 87107
  • /24

    $478,000

    • 1 Bed
    • 1 Bath
    • 3,108 Sq Ft

    328 Grove St SE, Albuquerque, NM 87108

    6 Unit income producing property at a great value. All units are one bedroom one bathroom townhouse style units. Open concept living room downstairs with full kitchen, gas stove and pantry. Bedroom is upstairs with walk in closet and full bath. 5 units have balconies. New upgrades feature: New luxury vinyl flooring in 4 units, new fridges in all units. All units have new front doors, security

    Liska Maddox Maddox & Co/REALTORS

    328 Grove St SE, Albuquerque, NM 87108
  • /20

    $285,000 Open Sun 8AM - 7PM

    • 2 Beds
    • 1 Bath
    • 1,204 Sq Ft

    3412 Anderson Ave SE, Albuquerque, NM 87106

    Welcome to this fabulous area! Discover a bright interior tied together with a neutral color palette. Step into the kitchen, complete with an eye catching stylish backsplash. The primary bathroom features plenty of under sink storage waiting for your home organization needs. Take it easy in the fenced in back yard. The sitting area makes it great for BBQs! Don't wait! Make this beautiful home

    Tara Jones Opendoor Brokerage, LLC

    3412 Anderson Ave SE, Albuquerque, NM 87106
  • /42

    $455,000

    • 4 Beds
    • 2.5 Baths
    • 2,772 Sq Ft

    101 Colinas Ave NE, Albuquerque, NM 87113

    Welcome home! This stunning residence offers the perfect blend of comfort, style, and functionality. The luxurious master suite is a true retreat, featuring expansive windows that fill the space with natural light, a spa-like ensuite bath with dual sinks, a beautifully tiled walk-in shower, and an oversized walk-in closet. Upstairs, a spacious loft provides the ideal space for a cozy retreat,

    Alex Cordova EXP Realty LLC

    101 Colinas Ave NE, Albuquerque, NM 87113
  • /3

    $409,900

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

    920 Arno St SE, Albuquerque, NM 87102

    Here is your chance to own 3 rental homes for one price. One home is vacant. Live in one and rent the others. Located minutes from UNM, hospitals and the airport. This property has tons of potential. Many upgrades have been made to the homes. All homes are currently rented. Property also includes a courtyard and a garage at the back of the property. Garage could potentially be made into another

    Wendy Frazier MORE Realty, Inc

    920 Arno St SE, Albuquerque, NM 87102
  • /20

    $449,000

    • 3 Beds
    • 3 Baths
    • 1,785 Sq Ft

    160 Pueblo Luna Dr NW, Albuquerque, NM 87107

    Affordable N Valley living. Clean, fresh, and brand new inside! The entire top floor is a bright and airy primary suite with walk-in closet. See Sandia Peak from your bed- really. Near SteelBender Brewery and 1/2 block from Los Ranchos bike trails. Granite and gleaming white in the kitchen. Big fireplace and double doors in the den. Large 0.25+/- acre has a 2 room workshop, pump house, and double

    Steve Hardy Hardy & Company

    160 Pueblo Luna Dr NW, Albuquerque, NM 87107
  • /37

    $419,999

    • 4 Beds
    • 3 Baths
    • 1,999 Sq Ft

    239 San Clemente Ave NW, Albuquerque, NM 87107

    FABULOUS, Twilight, less than 3 years old townhome offers 2 owner suites plus an office upstairs with french doors overlooking the cozy loft. Kitchen features granite countertops, pantry, bar, gas stove, upgraded cabinetry, overlooking the living room/dining room. So open, bright, exudes elegance. Upgraded flooring, light fixtures, appliances. Upstairs owner's suite features double sinks and a

    Michele Andrews RE/MAX SELECT

    239 San Clemente Ave NW, Albuquerque, NM 87107
  • /33

    $385,000

    • 3 Beds
    • 2 Baths
    • 1,879 Sq Ft

    1013 Washington St SE, Albuquerque, NM 87108

    Charming 3 or 4 bedroom/1.75 bath home located in desirable Ridgecrest neighborhood close to shopping, schools, hospitals, and Nob Hill. Amenities include new TPO roof, den with wood burning FP, custom flagstone floors in living/ dining room, built in bookcases, cabinets, and wood beamed ceilings., and galley kitchen with breakfast bar pass through. with countertops. There is a front arched

    Mike Conway MJC Realty

    1013 Washington St SE, Albuquerque, NM 87108
  • /18

    $265,000

    • 3 Beds
    • 1 Bath
    • 975 Sq Ft

    400 Bataan Dr SW, Albuquerque, NM 87121

    Large backyard on a cul-de-sac lot! This one won't last long! This charming 3-bedroom, 1-bath home features brand-new paint, flooring, furnace, AC, and water heater for peace of mind. The beautifully remodeled bathroom adds a modern touch, while the bright kitchen with stainless steel appliances offers a cozy and functional space. Don't miss out on this move-in-ready gem! Backyard access

    Chavez Team Keller Williams Realty

    400 Bataan Dr SW, Albuquerque, NM 87121
  • /23

    $265,500

    • 2 Beds
    • 2 Baths
    • 1,215 Sq Ft

    6108 Osuna Rd NE, Albuquerque, NM 87109

    Enter home through private gated courtyard. Open floorplan with large greatroom with fireplace. Kitchen has custom cabinets and breakfast bar and comes complete with all appliances including refrigerator. Two spacious bedrooms including primary suite with large bath with dual sink vanity. The utility room has storage cabinets and washer and dryer. Both kitchen and baths have custom cabinetry.

    Joe Schifani Affordable Realty Services Inc

    6108 Osuna Rd NE, Albuquerque, NM 87109
  • /41

    $430,000 Open Sun 10AM - 12PM

    • 3 Beds
    • 2 Baths
    • 2,142 Sq Ft

    3105 Dallas St NE, Albuquerque, NM 87110

    Don't miss out! The seller is offering a $10,000 credit at closing to the buyer with an accepted offer. This home is enhanced with improvements and upgrades completed within the last two years. This residence is a must-see to truly appreciate its charm and functionality.Step inside to find a spacious primary bedroom featuring an abundance of closets, complemented by blackout curtains on a new

    Cecilie Bodman Realty One Group Concierge

    3105 Dallas St NE, Albuquerque, NM 87110
  • /13

    $85,000

    • Land
    • 0.09 Acre
    • $944,444 per Acre

    1221 2nd St SW, Albuquerque, NM 87102

    Zoned for a Single Family or Multi-Family Residence, this .09-acre lot located in downtown Albuquerque offers a prime opportunity for urban living or as an investment in the vibrant downtown area. Situated in a convenient location, this property has potential to be owner occupied, investment-user, or both! Paired with artistic and cultural amenities right outside your doorstep. Enjoy easy access

    Hayley McInnes Realty One of New Mexico

    1221 2nd St SW, Albuquerque, NM 87102
  • /39

    $518,000

    • 4 Beds
    • 2.5 Baths
    • 2,896 Sq Ft

    1705 Bluffside Dr NW, Albuquerque, NM 87105

    Stunning Bosque Views! Nestled in a neighborhood rich with Southwestern charm, this 4-bedroom & 3-bath home is a true gem. Step inside to find a warm and inviting living space featuring a cozy fireplace, beautiful laminate and tile flooring, and hand-carved ceiling beams that extend into the open-concept living area. The kitchen seamlessly flows into the dining and living spaces, while a wall of

    Eric Peno~ EXP Realty LLC

    1705 Bluffside Dr NW, Albuquerque, NM 87105
  • /41

    $685,000

    • 3 Beds
    • 3 Baths
    • 2,856 Sq Ft

    627 Fairway Rd NW, Albuquerque, NM 87107

    Welcome to 627 Fairway Road NW, a lovingly maintained property in the coveted North Valley of Albuquerque, this is a property you don't want to miss. This 4-bedroom, 3-bathroom property checks all of the boxes, featuring an expansive layout that offers flexibility and options for its next owner. The main house, which boasts 3 bedrooms and 2 bathrooms, is designed with both functionality and charm

    Matthew Fuemmeler Helix Real Estate Group

    627 Fairway Rd NW, Albuquerque, NM 87107
  • /42

    $619,000

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

    4316 Beresford Ln NW, Albuquerque, NM 87120

    Highly coveted 5-bed 3-bath home located in the gated community of Oxbow North. Sitting above the Rio Grande, this home of over 3,000 sq. ft is in an ideal location with convenient access to I-40 and next to St. Pius collegiate school. Enjoy stunning views of the Sandia Mountains from the upper balcony. This home's spacious and bright floor plan with high-rise ceilings, features a large kitchen,

    Hayley McInnes Realty One of New Mexico

    4316 Beresford Ln NW, Albuquerque, NM 87120
  • /8

    $198,000

    • 1 Bath
    • 752 Sq Ft

    300 Tijeras Ave NE Unit 212, Albuquerque, NM 87102

    Step into a 752 square foot urban oasis at this newly listed Loft nestled in the heart of Albuquerque. Ideal for singles or couples, this studio loft features an open layout with one bathroom and large, luminous windows that shower the space in natural light. This Loft boasts a prime location that is sure to captivate any city dweller.Discover a vibrant lifestyle just steps away from your front

    Jai Delgado EDO Spaces, LLC

    300 Tijeras Ave NE Unit 212, Albuquerque, NM 87102
  • /27

    $15,000,000

    • 60 Beds
    • 60 Baths
    • 244,800 Sq Ft

    517 Gold Ave SW, Albuquerque, NM 87102

    Seller financing available. 8 Story high rise re-development deal. First two floors have been converted to 60 apartment units in 2017. Floors 3-7 are shell floors ready to be built into an additional 150 units. Property consists of 4 elevators. Huge potential on this property and most of the heavy lifting has been completed. Plans for converting basement into parking are in the works.

    Trey Whaley R1 Commercial

    517 Gold Ave SW, Albuquerque, NM 87102
  • /20

    $250,000

    • 2 Beds
    • 1 Bath

    320 Rhode Island St NE, Albuquerque, NM 87108

    Income producing triplex! This fully rented triplex features three spacious 2-bedroom, 1-bath units, each offering a comfortable living area and an eat-in kitchen equipped with a gas stove, refrigerator, and washer/dryer. Tenants enjoy a well-designed layout with ample natural light and functional space. The property includes a beautifully maintained grassy courtyard. Conveniently located near

    Robert Faithe Keller Williams Realty

    320 Rhode Island St NE, Albuquerque, NM 87108
  • /8

    $199,000

    • Land
    • 0.25 Acre
    • $796,000 per Acre

    253 Valle Encantado Dr NW, Albuquerque, NM 87107

    Bring you Dream Home Plans and Look at this beautiful flat corner lot in gated community with Awesome location. Close to great restaurants, shopping and Railrunner train station. Lot is just across the acequia from Los Ranchos great for biking and walking the dogs. 2700sqft building pad already installed ($10,000 savings) All utilities are stubbed in and ready to go.

    Tracy Highspencer Integrity Real Estate

    253 Valle Encantado Dr NW, Albuquerque, NM 87107
  • /47

    $245,000

    • 3 Beds
    • 2 Baths
    • 1,545 Sq Ft

    3129 Cypress Dr SW, Albuquerque, NM 87105

    Bring All Offers!! This home qualifies for up to $17,500 grant contact us for more information. This property has been owned by the same original owner. The property features a nice size kitchen with lots of cabinets and an eat-in area off the living space, creating a cozy atmosphere. One of the highlights of this home is the backyard access, 2-car carport, fully fenced yard for privacy, and a

    Roberta Robledo Re/Max Exclusive

    3129 Cypress Dr SW, Albuquerque, NM 87105
  • /44

    $399,000

    • 4 Beds
    • 2.5 Baths
    • 1,675 Sq Ft

    902 Coal Ave SW, Albuquerque, NM 87102

    Front unit 1123 sf, casita 552 sf (per appraisal)! Perfect for investors or multi-gen living. Remodeled and fully furnished, this turnkey-ready gem includes a spacious 3BR/1.5BA unit and a cozy 1BR/1BA unit--both move-in ready! Great rental or short-term income potential near downtown ABQ. Live in one unit and rent the other, or maximize returns with both. Owner financing available with

    Vinette Graham Coldwell Banker Legacy

    902 Coal Ave SW, Albuquerque, NM 87102
  • /27

    $284,250

    • 3 Beds
    • 1 Bath
    • 1,339 Sq Ft

    2308 Indian School Rd NW, Albuquerque, NM 87104

    Open to REC! Great opportunity for an investor with a real estate contract! Please see remarks for details on terms. This charming 3-bedroom home sits in a highly sought-after area on Rio Grande Blvd and Indian School, surrounded by lush trees and just minutes from I-40, top restaurants, Sawmill Market, and Old Town. The property features a detached ADU/Casita/Studio, perfect for guests or rental

    John Lopez Coldwell Banker Legacy

    2308 Indian School Rd NW, Albuquerque, NM 87104
  • /3

    $378,000

    • Land
    • 0.28 Acre
    • $1,350,000 per Acre

    3945 Smith Ave SE, Albuquerque, NM 87108

    Perfect corner lot for your Ridgecrest dream home! Utilities at the property line. Don't miss this opportunity! Nearly 1/3 acre. Zoned R-1B with potential incentives- to be verified with the Zoning Department by the buyer. Seller may consider Seller financing, please contact LB for details

    Eva Hendricks Coldwell Banker Legacy

    3945 Smith Ave SE, Albuquerque, NM 87108
  • /41

    $369,900

    • 3 Beds
    • 2 Baths
    • 1,604 Sq Ft

    705 Truman St NE, Albuquerque, NM 87110

    The updating has been done!This is a stunning renovated brick home. Has had lots of work done to it. Converted ac to refrigerated air. Recently updated the flooring through the whole house. Modernized the kitchen with upgraded cabinets, granite counter tops, stainless microwave, dishwasher, and stove. Both bathrooms have had a makeover primary bathroom shower tiled all the way up, elegant

    Manuel Tenorio Realty One Group Concierge

    705 Truman St NE, Albuquerque, NM 87110
  • /9

    $1,298,888

    • 2 Beds
    • 1 Bath
    • 9,400 Sq Ft

    1109 Arizona St SE, Albuquerque, NM 87108

    Turnkey 12-Unit Investment Property - Fully Upgraded & Energy Efficient!This well-maintained 12-unit property is a rare find, offering strong rental income with room for growth! Major capital improvements already completed including mini splits in each unit and the addition of an 80 gal electric water heater. Entire building has had an electrical upgrade and has been converted to electric

    Leslie Villareal The Villarealty Group

    1109 Arizona St SE, Albuquerque, NM 87108
  • /43

    $675,000

    • 4 Beds
    • 3 Baths
    • 2,271 Sq Ft

    608 Amherst Dr SE, Albuquerque, NM 87106

    Discover the perfect blend of comfort & convenience in this stunning 1-story home w/ 2,271sf of living space. This spacious residence features 4 bed, 3 bath, 2 living areas, all under elevated ceilings. The large master bedroom is a true retreat with a cozy fireplace. The formal dining room provides a perfect setting for special gatherings. Enjoy the covered back patio, ideal for outdoor dining.

    Steffan Walters Jason Mitchell RE NM

    608 Amherst Dr SE, Albuquerque, NM 87106
  • /45

    $799,000

    • 3 Beds
    • 2.5 Baths
    • 3,228 Sq Ft

    5524 Poblanos Ct NW, Albuquerque, NM 87107

    North Valley custom home! This contemporary Southwest beauty offers clean lines, open spaces, thoughtful design, blending modern elegance with natural elements. Large Pella windows flood the home with natural light, creating a bright, airy atmosphere. Slate tile flooring throughout main level adds sophistication, while radiant heat and refrigerated air ensure year-round comfort. The chef's

    Susan Hunter Coldwell Banker Legacy

    5524 Poblanos Ct NW, Albuquerque, NM 87107
  • /43

    $438,000

    • 3 Beds
    • 3 Baths
    • 2,348 Sq Ft

    716 Carlisle Blvd SE, Albuquerque, NM 87106

    Located on the beautiful median section of Carlisle, this sweet home offers the charm and grace of the era in which is was built with a large front porch leading to sunny living room with original, gorgeous hardwood floors. Such great space for people and their interests! Home also includes office, a large den and Two bedrooms and a full bath in the front of the home plus nicely situated for

    Kurstin Johnson Vista Encantada Realtors, LLC

    716 Carlisle Blvd SE, Albuquerque, NM 87106
  • /26

    $265,000

    • 3 Beds
    • 2 Baths
    • 1,311 Sq Ft

    204 Laguayra Dr NE, Albuquerque, NM 87108

    This well-maintained 3-bedroom, 2-bathroom home features a blend of traditional charm and recent improvements. Interior updates include fresh paint, a new elastomeric coating on the stucco exterior, and a new sliding glass door that opens to the covered patio.The interior offers a warm living area with a wood-burning kiva fireplace and a kitchen equipped with stainless steel appliances. The home

    Christopher Cavnar ERA Summit

    204 Laguayra Dr NE, Albuquerque, NM 87108
  • /35

    $177,500

    • 1 Bed
    • 1 Bath
    • 915 Sq Ft

    1601 Pennsylvania St NE Unit E5, Albuquerque, NM 87110

    GROUND floor unit w/ a 1 bed/den or second bedroom with a fenced, private patio. Spacious remodeled unit w/ new appliances, ceramic flooring, lighting, A/C, & heater. Enjoy a wood burning fireplace & wet bar on cool NM evenings! HOA covers ALL utilities, property taxes, grounds maintenance, & onsite security. Easy living with 2 outdoor pools, year around indoor pool, & hot tub. Carport storage

    NM Home Deals Keller Williams Realty

    1601 Pennsylvania St NE Unit E5, Albuquerque, NM 87110
  • /13

    $279,000

    • 3 Beds
    • 1.5 Baths
    • 1,108 Sq Ft

    2403 Broadway Blvd NE, Albuquerque, NM 87102

    Shows nice, new flooring throughout, Updated Electrical, RV electrical Plug in the back yard, Recent water heater, New Mini splits heating and AC, Metal roof, Garbage disposal, Ex Large laundry room, Backyard access with metal gates that open up wide WOW. Storage shed in the back yard, Water spicket in back yard. Fresh paint.

    Albert Arizmendi Realty One of New Mexico

    2403 Broadway Blvd NE, Albuquerque, NM 87102

Showing Results 401 - 440, Page 11 of 16

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