1,437

Albuquerque, NM Homes for Sale with No HOA Fee

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  • /20

    $200,000

    • Land
    • 0.34 Acre
    • $588,235 per Acre

    8015 Camino Alderete, Albuquerque, NM 87120

    Prime elevated extra-large corner lot in the desirable Volcano Cliffs Subdivision, Unit 22. Surrounded by beautiful custom homes, this homesite offers the perfect blend of location and potential. With no one-story restriction, and the home across the street already single-story, you can build up and take advantage of stunning eastern views. Conveniently located near shopping, dining, and scenic

    Clarice Trujillo Oso Elite Realty

    8015 Camino Alderete, Albuquerque, NM 87120
  • /30

    $330,000

    • 2 Beds
    • 1 Bath

    405 Utah St SE, Albuquerque, NM 87108

    nvestor Opportunity - Four-Plex with Recent UpgradesStep into ownership with this income-producing four-plex, perfect for the seasoned investor or the entrepreneur ready to start building wealth.Unit A has been beautifully remodeled, offering fresh finishes and modern appeal to attract quality tenants. The property boasts a brand-new roof (2025) covering 80% of the complex, with the remaining 20%

    Jahani Curl Coldwell Banker Legacy

    405 Utah St SE, Albuquerque, NM 87108
  • /37

    $499,000

    • 4 Beds
    • 3.5 Baths
    • 2,717 Sq Ft

    3700 General Patch St NE, Albuquerque, NM 87111

    Northeast Heights, two-story, four-bedroom, four-bathroom. two-car garage. This home has all-new LVP flooring on the first story and all-new carpet on the second. New two-tone paint, solid surface countertops, and stainless steel appliances.

    Ivo Kunzle TAL Realty, LLC

    3700 General Patch St NE, Albuquerque, NM 87111
  • /21

    $259,000 Open Sat 10AM - 12PM

    • 3 Beds
    • 1 Bath
    • 1,021 Sq Ft

    11313 Mahlon Ave NE, Albuquerque, NM 87112

    Freshly painted and taken care of. Come check out this Comfortable home in a convenient location. Four Mini Splits Heat and Cool this house. They were installed in 2024. The Roof is approx. Eight years New. Gas Cooktop stove. New dishwasher was installed in 2024. 1 Car Garage with Opener. Hot Tub will convey in as is condition. It was working fine on the day of listing. Time is of the Essence on

    Ray & Kathi Pirolo CENTURY 21 Camco Realty

    11313 Mahlon Ave NE, Albuquerque, NM 87112
  • /22

    $449,900

    • 4 Beds
    • 2.5 Baths
    • 2,584 Sq Ft

    10500 Bilboa St NW, Albuquerque, NM 87114

    Stunning one owner. Charter Built. Large Master Bedroom with Outdoor Deck, for relaxing and Mountain Viewing. 2nd Bedroom on same side also has Outdoor Deck. Ceiling Fans in all Bedrooms. Large Eat in Kitchen. Plus Formal Dining Room. Sunken Living Room with Gas Log Fireplace, Ceiling fan. Tall Windows. Beautifully Landscaped Front and Back Yards, Turf in Front and Back. Mature Trees, Shrubs..

    Viola Chavez Coldwell Banker Legacy

    10500 Bilboa St NW, Albuquerque, NM 87114
  • /25

    $474,900

    • 5 Beds
    • 3 Baths
    • 2,600 Sq Ft

    7029 Veranda Rd NE, Albuquerque, NM 87110

    Rare double-suite, 5-bd ranch in La Jolla Park. This 2,600 sq ft single-level brick home combines classic 1960s character with modern updates on a .23 acre lot. Features two primary bedrooms with walk-in closets and ensuite 3/4 baths, plus 3 secondary bedrooms and 1 full bath. Updated kitchen boasts quartz countertops, custom wood pantry, and breakfast bar. Open concept living/dining area and

    Jared English Congress Realty, Inc

    7029 Veranda Rd NE, Albuquerque, NM 87110
  • /35

    $449,500

    • 5 Beds
    • 3 Baths
    • 2,671 Sq Ft

    9008 Cactus Trail Rd NW, Albuquerque, NM 87114

    Beautiful 5 bedroom home in a great westside location! Bright open floor plan with tons of space for large gatherings and company. Petroglyph Elementary is literally right around the corner, shopping/groceries/restuarants with minutes and easy access to Paseo Del Norte to get across town. Granite kitchen countertops, refrigerated air, nice sinks and faucets and a large back yard with real grass,

    Jim Summers ABQ Firehouse Realty, LLC

    9008 Cactus Trail Rd NW, Albuquerque, NM 87114
  • /45

    $324,900

    • 3 Beds
    • 2 Baths
    • 1,948 Sq Ft

    1416 Kentucky St NE, Albuquerque, NM 87110

    Enter through the gorgeous entryway framed by blooming wisteria and into this charming 3 Bedroom 2 Bath home with modern updates throughout offering the perfect blend of comfort and style. Freshly painted throughout the home, this property is move in-in ready! Bathrooms have been tastefully renovated offering modern finishes and functionality. The backyard provides a perfect retreat with ample

    Shelley Henson Realty One of New Mexico

    1416 Kentucky St NE, Albuquerque, NM 87110
  • /41

    $450,000

    • 3 Beds
    • 2 Baths
    • 1,900 Sq Ft

    12708 Punta de Vista Place NE, Albuquerque, NM 87112

    Welcome to this beautifully maintained, one-owner single-story home nestled in the desirable Foothills area, offering stunning city light views. Spanning approximately 2,000 square feet, this updated residence exudes luxury with travertine tile and rich wood flooring throughout. The gourmet kitchen boasts granite countertops, custom cabinetry, and a seamless flow into the main living areas,

    CJ CIDDIO Coldwell Banker Legacy

    12708 Punta de Vista Place NE, Albuquerque, NM 87112
  • /36

    $299,900

    • 3 Beds
    • 2 Baths
    • 1,721 Sq Ft

    245 Chama St NE, Albuquerque, NM 87108

    ✨ Move-in ready + $5,000 in buyer closing cost credit with full-price offer!This beautifully renovated 3-bedroom, 2-bath home comes with a separate casita, complete with its own driveway, kitchen, and full bath--perfect for guests, rental income, or multigenerational living.Both the main home and casita showcase brand-new laminate flooring, cabinets, countertops, sinks, light fixtures, and

    Moses Perez The M Real Estate Group

    245 Chama St NE, Albuquerque, NM 87108
  • /17

    $990,000

    • 2 Beds
    • 1 Bath

    1812 Mary Ellen St NE, Albuquerque, NM 87112

    Value-add investment with immediate upside! Two 4-plexes (1812 Mary Ellen and 1816 Mary Ellen, 8 units total) sold together--each on its own deeded lot. 7 of 8 units currently rented, offering solid income with significant upside. Below-market rents present a strong opportunity to increase cash flow and long-term ROI. All units are 2 bed, 1 bath with functional layouts that are easy to rent.

    Vance Kabella Coldwell Banker Legacy

    1812 Mary Ellen St NE, Albuquerque, NM 87112
  • /35

    $289,000

    • 4 Beds
    • 2 Baths
    • 2,041 Sq Ft

    713 La Veta Dr NE, Albuquerque, NM 87108

    Bright and happy 1950's home has so much to offer! This 4 bedroom 2 full bath and office, 2046 SF home has room to grow! Interior features beautiful original hard wood parquet flooring and includes a gas log fireplace. The windows are newer double pane and let in ton of natural light. Mid Century modern wall paper in Master Bathroom adds a bit of fun! Located conveniently close to public

    Tanya Snow-Lujan Realty One of New Mexico

    713 La Veta Dr NE, Albuquerque, NM 87108
  • /32

    $539,900

    • 3 Beds
    • 2 Baths
    • 1,900 Sq Ft

    8408 Julian Robles St NE, Albuquerque, NM 87122

    Fabulous single level far North East Heights gem located in sought after La Cueva district! Beautifully appointed w/ fine improvements throughout to include: Updated Luxury Vinyl floors, all Windows with solar glass, includes 2 glass patio doors & double front entry doors replaced. Remodeled full hall bathroom! Charming antique front entry gate welcomes you! Discover a formal dining room &

    Bashore Team Re/Max Alliance, REALTORS

    8408 Julian Robles St NE, Albuquerque, NM 87122
  • /12

    $265,000

    • 2 Beds
    • 1 Bath
    • 1,890 Sq Ft

    324 Charleston St NE, Albuquerque, NM 87108

    Duplex investment opportunity. Consistently rented out. Well maintained and taken care of. Ready for new owners to take over. Both units feature hardwood floors, country kitchens, & separate backyards.

    Lindsey Thomas Coldwell Banker Legacy

    324 Charleston St NE, Albuquerque, NM 87108
  • /28

    $289,999

    • 3 Beds
    • 2 Baths
    • 1,136 Sq Ft

    2204 San Leon St SW, Albuquerque, NM 87121

    A Beautiful, charming 3 bedroom, 2 bath and 2 car garage Southwest Heights home, With a bright Open floorpan invite's easy entertaining. A cozy kitchen with ample cabinets is perfect for cooking. A cheerful warm home with Solar panels, Refrigerated air & low-e windows!

    Edwin Kainz Chaves & Clark Real Estate LLC

    2204 San Leon St SW, Albuquerque, NM 87121
  • /75

    $875,000

    • 4 Beds
    • 2.5 Baths
    • 3,955 Sq Ft

    3001 La Villita Place NE, Albuquerque, NM 87111

    Welcome to this gorgeous Casa Grande Estates home, located on a generous NE Heights foothills cul-de-sac lot of over 0.6 acres. This home offers exceptional city views, providing a serene environment for both relaxation & entertaining, in thoughtfully designed indoor & outdoor living spaces. Recent updates include a newly remodeled kitchen & guest bath (2024), as well as enhancements throughout.

    Sandi Pressley Coldwell Banker Legacy

    3001 La Villita Place NE, Albuquerque, NM 87111
  • /42

    $309,000

    • 3 Beds
    • 2 Baths
    • 1,327 Sq Ft

    435 Cordova Ave NW, Albuquerque, NM 87107

    Beautifully updated North Valley gem! This charming 3-bedroom, 2-bath home features a complete renovation, offering modern comfort in a highly sought-after location. Enjoy a brand-new kitchen with updated cabinets, sleek new appliances, and stylish finishes. Fresh paint, new flooring, and a brand-new bathroom create a move-in-ready feel throughout. The new mini split system ensures year-round

    Savannah Chavez EXP Realty LLC

    435 Cordova Ave NW, Albuquerque, NM 87107
  • /18

    $268,000

    • 3 Beds
    • 2 Baths
    • 1,344 Sq Ft

    916 Dakota St SE, Albuquerque, NM 87108

    Welcome to this beautifully maintained property, boasting a neutral color paint scheme and fresh interior paint that gives it a modern and clean look. The kitchen is equipped with all stainless steel appliances, adding a touch of elegance and sophistication.The backyard is fenced in, providing privacy and security. The low maintenance landscaping adds to the property's appeal, making it a perfect

    Tara Jones Opendoor Brokerage, LLC

    916 Dakota St SE, Albuquerque, NM 87108
  • /42

    $410,000

    • 3 Beds
    • 2.5 Baths
    • 2,154 Sq Ft

    7317 Vivian Dr NE, Albuquerque, NM 87109

    Charming 3-bedroom, 2.5-bath home in the desirable NE Heights Academy West area. This spacious property sits on a generous lot and features a refreshing swimming pool, perfect for summer enjoyment. Inside, you'll love the flowing floorplan with two inviting living areas, ideal for entertaining or relaxing. The kitchen offers great functionality, while the bedrooms provide comfort and privacy.

    Gilbert Gallegos EXP Realty LLC

    7317 Vivian Dr NE, Albuquerque, NM 87109
  • /22

    $300,000

    • 3 Beds
    • 2 Baths
    • 1,558 Sq Ft

    12704 Tomlinson Dr SE, Albuquerque, NM 87123

    Seller is offering a $1,500 credit toward carpet replacement. Come take a look at this beautifully refreshed and move-in-ready single-level gem, which showcases brand-new interior and exterior paint, a professionally overhauled landscape, and timeless curb appeal. Inside, the open-concept kitchen shines with granite countertops, custom lighting, and stainless steel appliances, flowing seamlessly

    Gavin Malm ContinuLiving

    12704 Tomlinson Dr SE, Albuquerque, NM 87123
  • /42

    $419,000

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

    7516 Jemez St NE, Albuquerque, NM 87109

    Located in the highly sought-after La Cueva School District, this 4-bedroom, 1 3/4 bath home offers both space and functionality in a prime Northeast Heights location. Inside, you'll find two-plus living areas, including a cozy family room with a wood-burning fireplace, perfect for gathering on cool evenings. The formal dining room is ideal for entertaining, while the open-concept kitchen

    Matthew DeAveiro Coldwell Banker Legacy

    7516 Jemez St NE, Albuquerque, NM 87109
  • /30

    $370,000

    • 3 Beds
    • 2 Baths
    • 1,282 Sq Ft

    1830 Hermosa Dr NE, Albuquerque, NM 87110

    Updated Light filled Home with beautiful hardwood floors in the living room and 2 nicely sized bedrooms. Spacious family room and primary bedroom addition with Saltillo Floors. Tiled window seat in the family room. Primary bedroom features high ceilings, a walk in closet, and a 3/4 bath with a walk-in shower. Wood burning fireplace in the living room. Wood clad Pella windows in the living room

    Susan Beard Coldwell Banker Legacy

    1830 Hermosa Dr NE, Albuquerque, NM 87110
  • /33

    $200,000

    • 5 Beds
    • 3 Baths
    • 1,969 Sq Ft

    4307 Wallace St SE, Albuquerque, NM 87105

    Great investment opportunity welcome this home is on .24 acre, 1,969'sq in living space 5 bedrooms large kitchen and good size bedrooms, could be a second living area instead of bedroom, Designs by Ron Montoya if you wanted any changes, it is possible. Bernalillo County zoning and planning are reviewing the plans and Building permit has been paid for, survey is recorded, site, and new floor plan

    Guadalupe Rimbert Equity New Mexico

    4307 Wallace St SE, Albuquerque, NM 87105
  • /40

    $490,000

    • 4 Beds
    • 3 Baths
    • 2,240 Sq Ft

    824 Silver Ave SE, Albuquerque, NM 87102

    Discover the soul of historic Albuquerque in this captivating Huning Highlands 2 story bungalow! This 4 bedroom gem radiates timeless style and character, from its gorgeous original hardwood floors and crown molding to the stunning natural stone facade. Gather around the cozy fireplace or retreat to the beautifully updated kitchen, featuring sleek quartz countertops, a subway tile backsplash, and

    James Shive Keller Williams Realty

    824 Silver Ave SE, Albuquerque, NM 87102
  • /31

    $379,900

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

    1701 Miracerros Place NE, Albuquerque, NM 87106

    ***PRICE IMPROVEMENT*** Beautifully Remodeled 2 Bed, 2 Bath Home in Prime UNM Location!!! Discover this stunning and fully updated 2-bedroom, 2-bathroom home with 1,695 square feet of thoughtfully designed living space. Nestled in the highly sought-after UNM area, this unique and cozy home offers the perfect blend of modern upgrades and charming character. Conveniently located just off Carlisle

    Khrystina Burke Keller Williams Realty

    1701 Miracerros Place NE, Albuquerque, NM 87106
  • /17

    $329,900 Open Sat 12PM - 2PM

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

    6123 Cyonus Ave NW, Albuquerque, NM 87114

    Must see this well maintained home. New flooring, new roof, new garage door, updated master bathroom, huge upstairs loft room that can be a converted to fourth bedroom. Good size bedrooms with low maintenance backyard with beautiful porch and shed that will convey with good offer. You DO NOT want to miss this well priced home.

    Crystal Baines Keller Williams Realty

    6123 Cyonus Ave NW, Albuquerque, NM 87114
  • /2

    $8,000

    • Land
    • 0.59 Acre
    • $13,559 per Acre

    0 Unser Blvd NW, Rio Rancho, NM 87144

    From Unser and King Blvd. go north 1.5 miles. Property is on the west side of Unser Blvd.Lot 23 is also available MLS 1089215.

    Joe R. Romero Colliers International

    0 Unser Blvd NW, Rio Rancho, NM 87144
  • /57

    $864,700 Open Sun 1PM - 3PM

    • 4 Beds
    • 3.5 Baths
    • 3,748 Sq Ft

    14012 Wind Mountain Rd NE, Albuquerque, NM 87112

    Beautifully updated home in the foothills with stunning views and high-end finishes throughout! Featuring 2 primary suites, 3 living areas, and over 3,700 sq ft, this home is ideal for multi-gen living or those who love to entertain. The all-new gourmet kitchen boasts quartz counters, custom cabinets, butler's pantry, wine/coffee bar, and luxury fixtures. The redesigned primary bath includes a

    Mark Carlisle Berkshire Hathaway Home Svc NM

    14012 Wind Mountain Rd NE, Albuquerque, NM 87112
  • /31

    $359,900 Open Sat 1:30PM - 4PM

    • 4 Beds
    • 2 Baths
    • 1,880 Sq Ft

    12412 Rosemont Ave NE, Albuquerque, NM 87112

    OPEN HOUSE - SATURDAY 9/13 1:30 -4:00This beautifully maintained 4-bedroom, 2-bath home features an open floor plan with two generous living spaces, perfect for entertaining or relaxing. Move-in ready and thoughtfully updated, it boasts a gas fireplace, brand-new flooring, freshly painted rooms, and a brand new dishwasher.Enjoy peace of mind with a new HVAC system (2021), a new roof with a

    K2 Realty Group EXP Realty, LLC

    12412 Rosemont Ave NE, Albuquerque, NM 87112
  • /19

    $319,000

    • 2 Beds
    • 1 Bath
    • 1,983 Sq Ft

    305 Tennessee St SE, Albuquerque, NM 87108

    Attention Investors! Discover this income-generating triplex offering a potential perfect for seasoned investors or those new to multifamily investing. This centrally located Triplex offers; One large unit with 2 beds 1 bath. And two units with 1 bed 1 bath. Each of the 3 units features its own back patio area, along with access to a shared backyard shaded by mature trees--a gem find! Building

    Nicole Parra Keller Williams Realty

    305 Tennessee St SE, Albuquerque, NM 87108
  • /19

    $329,000

    • 2 Beds
    • 1 Bath
    • 1,983 Sq Ft

    301 Tennessee St SE, Albuquerque, NM 87108

    Attention Investors! Discover this income-generating triplex offering a potential perfect for seasoned investors or those new to multifamily investing. This centrally located Triplex offers; One large unit with 2 beds 1 bath. And two units with 1 bed 1 bath. Each of the 3 units features its own back patio area, along with access to a shared backyard shaded by mature trees--a gem find! Building

    Nicole Parra Keller Williams Realty

    301 Tennessee St SE, Albuquerque, NM 87108
  • /36

    $400,000

    • 3 Beds
    • 2 Baths
    • 1,851 Sq Ft

    5144 Roanoke Ave NW, Albuquerque, NM 87120

    This custom home offers one-of-a-kind charm--nothing cookie-cutter here! Thoughtfully designed with fresh neutral paint, new baseboards, & wide 6-inch plank laminate flooring throughout the main living areas. Hallways & bathrooms feature durable wood-look tile--no carpet!The spa-inspired primary suite boasts skylights, dual sinks, a stunning river rock shower floor, & elegant wood-look tile

    Sandi Pressley Coldwell Banker Legacy

    5144 Roanoke Ave NW, Albuquerque, NM 87120
  • /36

    $275,000 Open Sat 1PM - 3PM

    • 3 Beds
    • 1 Bath
    • 1,030 Sq Ft

    65 New Mexico 333, Albuquerque, NM 87123

    Nestled at the base of the Sandia Mountains, this unique property at 65 NM-333 offers privacy, natural beauty, and endless potential. Boasting stunning mountain views with a serene, secluded setting that has direct access to open space and trails, this home sits on a spacious lot and features a site built expansion with an open concept space that has all the functionality of a modern floor plan.

    Cody Bratton Elevate New Mexico Realty

    65 New Mexico 333, Albuquerque, NM 87123
  • /33

    $593,000 Open Fri 1PM - 3PM

    • 3 Beds
    • 2 Baths
    • 2,493 Sq Ft

    1421 Stanford Dr NE, Albuquerque, NM 87106

    OWNED SOLAR PANELS, MINUTES AWAY FROM UNM, AND UPDATED! Welcome to this beautiful single story home in the highly sought after Vista Larga subdivision (listed in the National Register of Historic Places) in UNM North Campus close to UNM Law and Medical Schools and UNM North golf course. This prime location is near Whole Foods, neighborhood restaurants and friendly parks with easy access to bike

    NM Home Deals Keller Williams Realty

    1421 Stanford Dr NE, Albuquerque, NM 87106
  • /44

    $465,000

    • 4 Beds
    • 2.5 Baths
    • 2,468 Sq Ft

    5901 Chimayo Dr NW, Albuquerque, NM 87120

    Beautifully remodeled 4-bedroom, 3-bath home in Taylor Ranch featuring a brand new HVAC system, updated windows, and stylish finishes throughout. The kitchen has been fully renovated with granite countertops, stainless steel appliances, and modern cabinetry. The bathrooms have been completely remodeled with sleek, contemporary touches. Enjoy new vinyl flooring, plush carpet in the bedrooms, and

    Sean Kesani Coldwell Banker Legacy

    5901 Chimayo Dr NW, Albuquerque, NM 87120
  • /52

    $390,000

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

    3520 Jal Place NW, Albuquerque, NM 87120

    Welcome to 3520 Jal Place NW! This 4-bed, 3-bath, 2,311 sq ft single-story home by Opal Jenkins offers a rare 3-car garage and a smart layout perfect for growing families or multi-generational living. Two living areas and a spacious kitchen create the ideal setup for both daily life and entertaining. The split-bedroom design adds privacy, and the primary suite is a true retreat. Enjoy the ease of

    Joe Brooks Keller Williams Realty

    3520 Jal Place NW, Albuquerque, NM 87120
  • /25

    $269,999

    • 2 Beds
    • 2 Baths
    • 1,071 Sq Ft

    6517 Pine Park Place NE, Albuquerque, NM 87109

    **Price Reduced!**Immaculately maintained and Updated Far NE Townhome**No HOA!!*2 BD/2 BA/2 CG* Elegantly designed with raised ceilings and great natural light. Stylishly updated Bathrooms, Kitchen and light fixtures. All tile with custom designer touches. Beautiful custom stacked stone gas log fireplace elevates the vibe for those winter nights and gatherings. Freshly painted interior throughout

    Oscar Ellis Ellis Realty

    6517 Pine Park Place NE, Albuquerque, NM 87109
  • /22

    $100,000

    • Land
    • 0.21 Acre
    • $476,190 per Acre

    4824 Driftwood Ave NW, Albuquerque, NM 87114

    Discover a ready-to-build parcel of land located at 4824 Driftwood Avenue Northwest in Albuquerque, offering an exceptional opportunity to create your dream home in a highly desirable neighborhood. This prime piece of real estate is perfectly situated near a variety of shopping centers, popular restaurants, and essential medical facilities, including a nearby hospital, providing unparalleled

    Valerie Almanzar Keller Williams Realty

    4824 Driftwood Ave NW, Albuquerque, NM 87114
  • /13

    $345,000

    • 3 Beds
    • 2 Baths
    • 1,560 Sq Ft

    8027 Smokerise Ave NW, Albuquerque, NM 87120

    Welcome to a truly desirable property that combines comfort with an unbeatable location. Enjoy the ease of access to both schools and diverse shopping options. Step inside to a well-designed layout that maximizes space, particularly in the spacious kitchen which features granite countertops. New flooring in some areas. The Owners suite has 2 spacious closets. The generous backyard offers a

    David Haemker Premier Home Team Realtors

    8027 Smokerise Ave NW, Albuquerque, NM 87120
  • /79

    $649,000

    • 4 Beds
    • 2.5 Baths
    • 2,467 Sq Ft

    601 Navarra Way SE, Albuquerque, NM 87123

    This gorgeous, one-of-a-kind custom home is nestled on a large corner lot overlooking 40 acres of open space, with stunning 360* mountain, city, and desert views. The quaint Four Hills neighborhood features both people and dog parks, hiking trails, and close-in city access. Inside, there is an open chef's kitchen with quartz counters, breakfast bar island, stainless appliances, plus soaring

    Todd Havens Berkshire Hathaway Home Svc NM

    601 Navarra Way SE, Albuquerque, NM 87123

Showing Results 441 - 480, Page 12 of 18

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