556

Apache Junction, AZ Homes for Sale with No HOA Fee

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  • /35

    $34,900

    • 1 Bed
    • 2 Baths
    • 456 Sq Ft

    702 S Meridian Rd Unit 488, Apache Junction, AZ 85120

    Welcome to Superstition Sunrise where the Fun never sets! This home is surrounded by mountain views in beautiful Apache Junction Arizona in a premiere 55+ Community with almost every amenity you can imagine. This home is perfect for the winter visitor OR for someone who is looking to move full time into a top quality resort. Tall vaulted ceilings and large windows fill this home with natural

    Eddie Oaks Superstition Sunrise

    702 S Meridian Rd Unit 488, Apache Junction, AZ 85120
  • /2

    $680,000

    143 S Outpost Rd, Apache Junction, AZ 85119

    Great investment opportunity! Centrally located 4-plex just a short walk from Fry's Shopping Center and other local amenities. Well-maintained property with mostly long-term, quiet tenants. Solid rental history in a high-demand area. Don't miss this chance to own a multi-family property in a rapidly growing community!

    April Arriola-Hansen HomeSmart

    143 S Outpost Rd, Apache Junction, AZ 85119
  • /51

    $52,000

    • 1 Bed
    • 1.5 Baths

    702 S Meridian Rd Unit 426, Apache Junction, AZ 85120

    Why stay in your RV? Don't miss this property, 'tis the season! This upgraded and updated park model offers comfort, space, and a great layout in the heart of Superstition Sunrise Resort. The bright Arizona Room is air-conditioned for year-round use, and a bump-out adds extra dining space with a charming bay window. Inside, you'll find updated flooring, dual-pane windows and doors, honeycomb

    Lori Slattery Re/Max Vision Realty

    702 S Meridian Rd Unit 426, Apache Junction, AZ 85120
  • /36

    $34,900

    • 1 Bed
    • 2 Baths
    • 384 Sq Ft

    400 N Plaza Dr Unit 323, Apache Junction, AZ 85120

    Immaculate Park Model with Arizona Room!This charming park model is spotless and move-in ready! Enjoy a cozy Arizona room perfect for relaxing or watching TV, complete with laundry area and a spacious full bath featuring a walk-in shower. Inside the main home, you'll love the fresh paint, new flooring, and updated bathroom with a tub and shower combo. Nicely furnished throughout, this home also

    Kim Kelley The Reserve at Lost Dutchman

    400 N Plaza Dr Unit 323, Apache Junction, AZ 85120
  • /35

    $180,000

    • 2 Beds
    • 2 Baths
    • 1,691 Sq Ft

    3301 S Goldfield Rd Unit 1043, Apache Junction, AZ 85119

    MOTIVATED SELLER! Live the Arizona lifestyle in the premier Dolce Vita active adult community. This move-in ready 2-bed, 2-bath home features a split floor plan, private primary suite with dual sinks and walk-in closet, plus a separate office/den with computer nook. Freshly neutral paint in the light-filled living spaces with skylights, tile in main areas, and fresh kitchen and great room neutral

    George Laughton My Home Group Real Estate

    3301 S Goldfield Rd Unit 1043, Apache Junction, AZ 85119
  • /72

    $839,900

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

    86 E Moon Vista St, Apache Junction, AZ 85119

    Spectacular home that is truly better than new. Features include 4 bedrooms, 2 bathrooms, Open floor plan, huge 4 car garage, gorgeous, heated pebble-tec pool, recently expanded concrete patio, new carpet just installed, and most importantly, breathtaking mountain & city light views. This home sits on over an acre lot with plenty of room to add a shop and it is so perfectly maintained there is

    Diane Fitzsimmons DeLex Realty

    86 E Moon Vista St, Apache Junction, AZ 85119
  • /14

    $445,000

    • 3 Beds
    • 2 Baths
    • 1,681 Sq Ft

    126 S Hilton Rd, Apache Junction, AZ 85119

    This home is the total package—space, style, and those legendary Superstition Mountain views! With no HOA and a flat, usable half-acre, it's the kind of property that gives you freedom to live your way. Meticulously maintained and exceptionally clean, this newer ground-set Clayton home is built to last with 2x6 construction and energy-efficient dual-pane windows. Step inside to an open great room

    Mary Mcinnis 72SOLD

    126 S Hilton Rd, Apache Junction, AZ 85119
  • /36

    $47,900

    • 1 Bed
    • 1 Bath
    • 385 Sq Ft

    400 N Plaza Dr Unit 609, Apache Junction, AZ 85120

    This charming 385 square feet Park Model home in Apache Junction, AZ is the perfect cozy retreat. Built in 1992 by Cavco, this compact home features 1.0 bed and 1.0 bath, ideal for a single resident or couple. The interior of the home includes a spacious living room, a fully equipped kitchen, and a convenient laundry room. The home also boasts modern appliances such as an oven, fridge,

    Kim Kelley The Reserve at Lost Dutchman

    400 N Plaza Dr Unit 609, Apache Junction, AZ 85120
  • /27

    $34,500

    • 2 Beds
    • 1 Bath
    • 784 Sq Ft

    2900 W Superstition Blvd Unit 20, Apache Junction, AZ 85120

    Welcome to Silverado Estates, a vibrant 55+ community offering fantastic amenities and an active lifestyle! This charming 2-bedroom, 1-bath home features a remodeled bath with a walk-in shower and a spacious 56-ft screened Arizona room, perfect for relaxing or entertaining. Enjoy access to a variety of community amenities including a heated pool and spa, Experience comfortable living and a

    Jonna Baker Jonna Baker & Associates Realty

    2900 W Superstition Blvd Unit 20, Apache Junction, AZ 85120
  • /38

    $139,900

    • 2 Beds
    • 2 Baths
    • 1,056 Sq Ft

    3400 S Ironwood Dr Unit 113, Apache Junction, AZ 85120

    Fully remodeled 2-bed, 2-bath home with a stunning open floor plan! Enjoy a brand-new kitchen featuring stainless steel appliances, quartz countertops, and a spacious island. Laminate plank flooring flows throughout, creating a modern and cohesive look. The enclosed Arizona room adds extra living space, perfect for relaxing or entertaining. Major updates include a new A/C and roof for worry-free

    Tom McMahan Palmas Del Sol East

    3400 S Ironwood Dr Unit 113, Apache Junction, AZ 85120
  • /36

    $83,900 Open Fri 11AM - 1PM

    • 1 Bed
    • 1 Bath
    • 420 Sq Ft

    600 S Idaho Rd Unit 415, Apache Junction, AZ 85119

    This brand new 420 square feet Park Model home in Rock Shadows features a cozy 1.0 bed and 1.0 bath layout, perfect for those looking for a low-maintenance lifestyle. Built in 2025 by Cavco, this home offers a modern design with an open concept living room and dining room, a spacious master bedroom, and a fully equipped kitchen. Exterior features include a convenient carport for parking and a

    Lacey Coleman Rock Shadows

    600 S Idaho Rd Unit 415, Apache Junction, AZ 85119
  • /39

    $499,000

    • 4 Beds
    • 3 Baths
    • 2,040 Sq Ft

    834 E Granada Ave, Apache Junction, AZ 85119

    Welcome to your dream home in Apache Junction's sought-after Palm Springs neighborhood! This non-HOA, single-story residence offers the perfect blend of modern upgrades, thoughtful design, and incredible outdoor amenities! Offering 4 spacious bedrooms and 3 bathrooms, including a stand-in shower in the Primary Bathroom & Guest Bathroom 1 and a tub/shower in Guest Bathroom 2. As well as a

    Kristina Sabo My Home Group Real Estate

    834 E Granada Ave, Apache Junction, AZ 85119
  • /27

    $80,000

    • 2 Beds
    • 2 Baths
    • 968 Sq Ft

    11425 E University Dr Unit 115, Apache Junction, AZ 85120

    This beautiful 2/2, double-wide, manufactured home, built in 2019, is one of the newest homes in the park—offering peace of mind, modern convenience, and low maintenance. Located in a well-kept 55+ community, it's just steps from extra guest parking, the clubhouse & sparkling pool—perfect for meeting people & enjoying some sun-soaked relaxation. From the moment you arrive, you'll be charmed by

    Jamie Field West USA Realty

    11425 E University Dr Unit 115, Apache Junction, AZ 85120
  • /13

    $80,000

    • 2 Beds
    • 2 Baths
    • 1,056 Sq Ft

    1855 W Southern Ave Unit 331, Apache Junction, AZ 85120

    Updated manufactured home in desirable Sierra Del Saguaro, a quiet 55 plus pet free community in Apache Junction. This charming 2 bed 2 bath residence features tasteful remodeling completed in 2024, offering comfort and convenience. Located close to the community clubhouse and just minutes from freeway access, it provides easy connectivity while maintaining peaceful living. Inside, enjoy upgraded

    Lydia Wietsma NextHome Power Realty

    1855 W Southern Ave Unit 331, Apache Junction, AZ 85120
  • /30

    $92,000

    • 2 Beds
    • 2 Baths
    • 1,056 Sq Ft

    2208 W Baseline Ave Unit 40, Apache Junction, AZ 85120

    Lock & Leave...Fully Furnished (dishes included )orTurn Key in sought after 55+ Community of La Casa Blanca. 2 bdrm/2 bath. This property has an additional air conditioned room for an Office/Craft room with a workshop attached. Water Softner, W/D, Refrigerator included. Extensively remodeled. Open Floor Plan. Ideal for year round living or seasonal.Amenity Rich Community

    Jill Calev Dana Hubbell Group

    2208 W Baseline Ave Unit 40, Apache Junction, AZ 85120
  • /35

    $21,500

    • 1 Bed
    • 1 Bath
    • 444 Sq Ft

    702 S Meridian Rd Unit 160, Apache Junction, AZ 85120

    Must See. The interior has fresh paint and newer flooring throughout and is open and spacious with large windows and sky lights bringing in the beautiful Arizona sunshine. There is a U-shape kitchen that checks all the boxes; nice counterspace, storage, full-sized appliances, dining nook and space to cook! The remodeled bathroom has a walk-in shower and lots of extra storage. The bedroom also

    Eddie Oaks Superstition Sunrise

    702 S Meridian Rd Unit 160, Apache Junction, AZ 85120
  • /58

    $235,000

    • 3 Beds
    • 3 Baths
    • 2,044 Sq Ft

    3301 S Goldfield Rd Unit 3004, Apache Junction, AZ 85119

    Check out the amazing community of Dolce Vita, a vibrant 55+ community nestled in Apache Junction, offering breathtaking views of the Superstition Mountains. This wonderful Cavco home features 3 bedroom 3 bathroom with over 2000 SQFT. Walk into your new home with granite countertops, Spacious rooms, Tile throughout with amazing white carpet in the bedrooms. Home has a 2 car garage and 2 slab

    Casey Jann My Home Group Real Estate

    3301 S Goldfield Rd Unit 3004, Apache Junction, AZ 85119
  • /44

    $560,000

    • 4 Beds
    • 2 Baths
    • 1,789 Sq Ft

    4454 E Cody St, Apache Junction, AZ 85119

    Beautifully updated 4-bedroom, 2-bathroom single-story home on 1.46 acres offering the perfect blend of privacy and convenience. Enjoy stunning mountain views and the tranquility of country living just minutes from the city. This home features remodeled flooring, updated bathrooms and bedrooms, newer windows, and a spacious dining room perfect for gatherings. The fenced yard includes a sparkling

    Phillip Shaver HomeSmart

    4454 E Cody St, Apache Junction, AZ 85119
  • /14

    $159,000

    • Land
    • 1.26 Acres
    • $126,190 per Acre

    XXX E Compound Lot 2 D Trail Unit D, Apache Junction, AZ 85119

    MOTIVATED SELLER! 1.25 Acre Custom Home Lot. Rare Opportunity to Build Your Dream Home in a very small soon to be community. Approximately 7 homes planned for the entire street. Located in a highly sought-after area, this custom home site offers a fantastic opportunity to create your perfect sanctuary that is still close to many amenities. Imagine waking up to breathtaking views of the iconic

    Nina Johnson My Home Group Real Estate

    XXX E Compound Lot 2 D Trail Unit D, Apache Junction, AZ 85119
  • /35

    $28,500

    • 1 Bed
    • 1 Bath
    • 320 Sq Ft

    400 N Plaza Dr Unit 704, Apache Junction, AZ 85120

    Charming Park Model with Beautiful Upgrades & Outdoor Entertaining SpaceThis cute and inviting park model features numerous upgrades throughout, including all new windows and a durable foam roof for added comfort and efficiency. The thoughtfully updated kitchen is designed for both style and functionality, making it a joy to cook and entertain. The home offers a new walk-in shower, updated

    Kim Kelley The Reserve at Lost Dutchman

    400 N Plaza Dr Unit 704, Apache Junction, AZ 85120
  • /49

    $499,500

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

    4753 N Saguaro Dr, Apache Junction, AZ 85120

    This stunning former model home by Clayton Homes is perfect for entertaining! The spacious great room flows into a game & entertainment room complete with a wet bar & french doors leading to front patio.The kitchen features a built-in oven range hood, a breakfast bar with large working island including a sink-ideal for casual dining or hosting quests.Primary suite showcases split

    John McCants West USA Realty

    4753 N Saguaro Dr, Apache Junction, AZ 85120
  • /22

    $35,000

    • 1 Bed
    • 1.5 Baths

    702 S Meridian Rd Unit 586, Apache Junction, AZ 85120

    Stunning Park Model with Superstition Mountain Views - Superstition Sunrise This beautifully maintained park model in the sought-after Superstition Sunrise community offers comfort, style, and breathtaking views of the Superstition Mountains. The home features outdoor kick-outs, creating a more spacious, open feel, along with a charming Arizona room perfect for relaxing or entertaining. Inside,

    Lori Slattery Re/Max Vision Realty

    702 S Meridian Rd Unit 586, Apache Junction, AZ 85120
  • /48

    $609,900

    • 3 Beds
    • 2 Baths
    • 1,457 Sq Ft

    614 N Tomahawk Rd, Apache Junction, AZ 85119

    Come and get it! Beautiful custom home on over 1/2 acre with no HOA, breathtaking Superstition & Goldfield views, and a sparkling pool—this is Arizona living at its best. Enjoy wide-open space, dark skies, and privacy, all on a fully fenced lot with RV gates and room to spread out. Inside, you're welcomed by an open, airy layout with high ceilings, a calming color palette, and attractive

    Hope Salas Keller Williams Integrity First

    614 N Tomahawk Rd, Apache Junction, AZ 85119
  • /36

    $32,500

    • 1 Bed
    • 1 Bath
    • 400 Sq Ft

    600 S Idaho Rd Unit 559, Apache Junction, AZ 85119

    Lacey Coleman Rock Shadows

    600 S Idaho Rd Unit 559, Apache Junction, AZ 85119
  • /43

    $3,300,000

    • 4 Beds
    • 5.5 Baths
    • 6,753 Sq Ft

    3307 N Mountain View Rd, Apache Junction, AZ 85119

    Rare opportunity to own a one of a kind property or future venue for limitless possibilities! Enjoy magnificent unobstructed Superstition Mountain views from this stunning custom built one of a kind home! This estate sprawls 7.44 acres adjacent to State and BLM land offering a rare combination of privacy, breathtaking mountain views and direct access to the Superstition Mountain Wilderness Area's

    Kimberly Weber Russ Lyon Sotheby's International Realty

    3307 N Mountain View Rd, Apache Junction, AZ 85119
  • /12

    $21,000

    • 1 Bed
    • 1 Bath
    • 520 Sq Ft

    2015 S Wickiup Rd Unit 12, Apache Junction, AZ 85119

    Enjoy stunning Superstition Mountain views from this charming 1 bed, 1 bath manufactured home in a welcoming 55+ community. A screened-in patio expands your living space, and the backyard offers a fruit-bearing lemon tree and a storage shed. Many furnishings convey, making move-in easy. Community amenities include a clubhouse, pickleball, pool & spa, and shuffleboard—perfect for active,

    Gordon Baker RE/MAX Alliance Group

    2015 S Wickiup Rd Unit 12, Apache Junction, AZ 85119
  • /36

    $24,900

    • 1 Bed
    • 1 Bath
    • 396 Sq Ft

    600 S Idaho Rd Unit 257, Apache Junction, AZ 85119

    This charming Park Model home is located in the community of Rock Shadows in Apache Junction, AZ. The cozy home features 1 bedroom, 1 bathroom, a comfortable living room, a dining area, and a well-equipped kitchen. The en suite bathroom offers convenience and privacy, while stainless steel appliances, a washer, dryer, oven, fridge, and microwave provide modern comfort within the compact space.

    Lacey Coleman Rock Shadows

    600 S Idaho Rd Unit 257, Apache Junction, AZ 85119
  • /38

    $118,000

    • 2 Beds
    • 2 Baths
    • 1,024 Sq Ft

    3400 S Ironwood Dr Unit 285, Apache Junction, AZ 85120

    This home is well kept with 2 bedrooms and 2 bathrooms across 1,024 square feet of comfortable living space. The home faces north with beautiful views from the covered patio that runs the length of the home. The main living space is shared with the kitchen making for easy living and entertaining. The open layout and cheerful atmosphere make this home both inviting and functional. *********PRIVATE

    Tom McMahan Palmas Del Sol East

    3400 S Ironwood Dr Unit 285, Apache Junction, AZ 85120
  • /30

    $43,900

    • 1 Bed
    • 1 Bath
    • 456 Sq Ft

    400 N Plaza Dr Unit 293, Apache Junction, AZ 85120

    This charming 456 square foot Park Model home situated in The Reserve at Lost Dutchman, Apache Junction, boasts a cozy 1 bedroom and 1 bathroom layout. Built in 1988 by Palm Harbor, this meticulously maintained home features a spacious Arizona Room perfect for relaxing or entertaining guests. The kitchen comes equipped with essential appliances such as an oven, fridge, and microwave.

    Kim Kelley The Reserve at Lost Dutchman

    400 N Plaza Dr Unit 293, Apache Junction, AZ 85120
  • /20

    $189,000

    • 2 Beds
    • 2 Baths
    • 1,568 Sq Ft

    2400 E Baseline Ave Unit 269, Apache Junction, AZ 85119

    Experience the best of Arizona living in this beautifully maintained home in a gated 55+ community in Apache Junction! This spacious 2-bedroom, 2-bath home with a versatile den (easily used as a 3rd bedroom or office) offers the perfect blend of comfort and style.Inside, the open great room with vaulted ceilings and a neutral palette create a bright, inviting atmosphere. The updated wood-look

    Heidi Spielman Your Home Sold Guaranteed Realty

    2400 E Baseline Ave Unit 269, Apache Junction, AZ 85119
  • /36

    $26,000

    • 1 Bed
    • 1 Bath
    • 320 Sq Ft

    600 S Idaho Rd Unit 619, Apache Junction, AZ 85119

    Lacey Coleman Rock Shadows

    600 S Idaho Rd Unit 619, Apache Junction, AZ 85119
  • /2

    $240,000

    • Land
    • 1.12 Acres
    • $214,286 per Acre

    1325 S Starr Rd, Apache Junction, AZ 85119

    Experience stunning Superstition Mountain views from this rare acre lot in the foothills! Value is in the land, with SRP power and private water service already on the property. A handy buyer could rehab the existing mobile home, sold AS IS, and the grandfathered guest house—also AS IS—adds incredible potential. With three easements that would have made this a 1.25-acre parcel, the possibilities

    Joey Gutierrez Rodriguez Barrett Real Estate

    1325 S Starr Rd, Apache Junction, AZ 85119
  • /63

    $999,000

    • 3 Beds
    • 2 Baths
    • 2,466 Sq Ft

    103 S Sixshooter Rd, Apache Junction, AZ 85119

    Pre-Inspected this PRIVATE ACRE RETREAT NO HOA +150k upgrades since 2021. 3CAR Garage & 9car total parking! & RV Gate Just east of Mountain View Rd & this beautifully maintained residence offers exceptional privacy, views & lifestyle. Designed for effortless entertaining, the outdoor space incl just a 4-year-old built HTD pool w/unobtrusive design, low-profile view fencing, an above-ground spa

    Melva Windsor DeLex Realty

    103 S Sixshooter Rd, Apache Junction, AZ 85119
  • /36

    $89,900 New Construction

    • 1 Bed
    • 1 Bath
    • 367 Sq Ft

    146 N Merrill Rd Unit 90, Apache Junction, AZ 85120

    Discover Mosaic Sun, our pet-friendly RV resort located in Apache Junction near Tempe, Mesa, and Phoenix. Here, the 55+ active community can enjoy the sunshine and resort-style amenities close to natural wonders and city perks. Step-In to your U-Shaped Kitchen, SS Steel Appliances, Built-In Microwave, Dishwasher, SS Steel Double Sink w/Upgraded Faucet, Large Living Room and Dining area, Queen

    Francine Frias Mosaic Sun

    146 N Merrill Rd Unit 90, Apache Junction, AZ 85120
  • /35

    $42,900

    • 1 Bed
    • 1 Bath
    • 385 Sq Ft

    400 N Plaza Dr Unit 229, Apache Junction, AZ 85120

    Charming 1995 Park Model with Spacious Arizona Room - Fully Furnished & Move-In Ready!This beautifully maintained 1995 Park Model offers the perfect blend of comfort, charm, and extra living space. In addition to the original 385 sq. ft., this home features a large, fully furnished Arizona Room-complete with cozy seating, a television, and plenty of room to relax or entertain. Flooring in the

    Kim Kelley The Reserve at Lost Dutchman

    400 N Plaza Dr Unit 229, Apache Junction, AZ 85120
  • /19

    $305,000

    • 2 Beds
    • 1 Bath
    • 942 Sq Ft

    1980 S Apache Dr, Apache Junction, AZ 85120

    NO HOA!!! Your home in Apache Junction is ready and waiting for you! Charming 2 bedroom, 1 bath and great Arizona room, perfect for an office or extra relaxing space. Covered patio and concrete slab perfect for outdoor dining and entertaining. Plenty of room to add on more outdoor living finishes. Newer a/c unit, foam roof, and updated bathroom. 1 car covered parking. Easy access to Superstition

    Ashley Loft Real Broker

    1980 S Apache Dr, Apache Junction, AZ 85120
  • /16

    $25,000

    • 1 Bed
    • 1 Bath
    • 420 Sq Ft

    929 N Delaware Dr Unit 21, Apache Junction, AZ 85120

    This beautifully remodeled mobile home offers comfort, style, and incredible views in every direction. Take in unobstructed mountain scenery and gorgeous Arizona sunrises and sunsets right from the covered patio. Inside, the home has been fully updated from top to bottom and includes a newer HVAC system and newer water heater to ensure efficiency and year-round comfort. Floors, ceilings, walls

    Austin Reckard Realty ONE Group

    929 N Delaware Dr Unit 21, Apache Junction, AZ 85120
  • 1128 W J Waltz Way, Apache Junction, AZ 85120

    $932,735 New Construction

    • 4 Beds
    • 3.5 Baths
    • 3,251 Sq Ft

    1128 W J Waltz Way, Apache Junction, AZ 85120

    Discover this gorgeous new four-bedroom, three-and-a-half-bath home designed for comfort, style, and modern living. Set on a spacious 12,693-square-foot corner homesite, this property offers the perfect backdrop for creating your backyard oasis with a desirable north-facing yard. Inside, enjoy a thoughtful layout that includes a TV room, a private study, and an expansive covered outdoor living

    David Weekley Homes Builder
    1128 W J Waltz Way, Apache Junction, AZ 85120
  • /15

    $69,000

    • 2 Beds
    • 2 Baths
    • 960 Sq Ft

    2292 N Ironwood Dr Unit 55, Apache Junction, AZ 85120

    Beautiful and remodeled two bedroom home in the all ages communtiy of Windsong! This home features ample natural light, hard floors throughout, and a breezy floorplan! Enjoy the large primary bathroom with double sinks and spacious primary bedroom! Hiking trails are a short drive away, so you can enjoy hiking the beautiful mountains!

    Gabriella Siciliano Revinre

    2292 N Ironwood Dr Unit 55, Apache Junction, AZ 85120
  • /23

    $795,221 New Construction

    • 3 Beds
    • 2.5 Baths
    • 2,793 Sq Ft

    953 W Ridge Rd, Apache Junction, AZ 85120

    You’ll love coming home to this beautiful farmhouse-style home, complete with a finished front landscape featuring artificial turf and a pavered driveway. This three-bedroom, two and a half bathroom home offers generously sized rooms and a backyard ready for a pool. The open floor plan includes a spacious family gathering area that extends to the patio through a 12-foot sliding glass door. The

    David Weekley Homes Builder
    953 W Ridge Rd, Apache Junction, AZ 85120

Showing Results 481 - 520, Page 13 of 14

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