1,604

Homes for Sale near Vanguard Collegiate Middle School

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  • /34

    $534,999

    • 4 Beds
    • 3 Baths
    • 1,844 Sq Ft

    3718 Foster Ave, Baltimore, MD 21224

    Welcome to your dream home in Brewers Hill, where historic Baltimore charm meets contemporary design. This stunning residence, renovated in 2022, offers four bedrooms and three bathrooms in one of the city's most sought-after neighborhoods—and comes with impressive tax savings thanks to the CHAP credit (that's a $5,683 savings each year for seven years, because who doesn't love keeping more money

    Jody Buck Cummings & Co. Realtors

    3718 Foster Ave, Baltimore, MD 21224
  • /46

    $265,000

    • 3 Beds
    • 1 Bath
    • 1,260 Sq Ft

    940 E 41st St, Baltimore, MD 21218

    Move-in ready, turnkey home.! Great opportunity for a first time homebuyer or investor. Seller has generously improved this home - what a difference! - by opening up the main floor to an open concept more useful for casual living, new LVP flooring and new carpet, recessed lighting, fresh paint. Amazing value with all brand new cabinets, countertop, appliances, lighting fixtures and renovated

    Russell Brazil RLAH @properties

    940 E 41st St, Baltimore, MD 21218
  • /13

    $199,000

    • 1 Bed
    • 1 Bath
    • 780 Sq Ft

    607 S Milton Ave, Baltimore, MD 21224

    Townhouse located one block away from Patterson Park available for sale. Demolition has been completed and ready for renovation. Bring your offers.

    Sam Jiang Taylor Properties

    607 S Milton Ave, Baltimore, MD 21224
  • /25

    $220,000

    • 3 Beds
    • 3 Baths
    • 1,242 Sq Ft

    2611 Llewelyn Ave, Baltimore, MD 21213

    Now is your opportunity to snag this beautifully renovated home AND take advantage of special incentives! This home falls within the Johns Hopkins Live Near Your Work "purple boundary", allowing eligible employees to qualify for a $5,000 grant toward down payment or closing costs. Certain restrictions apply. 2611 Llewelyn Ave is the one! With an estimated 1,241 finished square feet, this

    Jamie Koehler Cummings & Co. Realtors

    2611 Llewelyn Ave, Baltimore, MD 21213
  • /10

    $175,000

    • 3 Beds
    • 1 Bath
    • 1,198 Sq Ft

    225 N Luzerne Ave Unit 10 HOMES PORTFOLIO, Baltimore, MD 21224

    Exceptional Investment Opportunity - 10 TENANT OCCUPIED row homes portfolio PACKAGE DEAL!Portfolio Addresses Include:220 N Luzerne Ave • 225 N Luzerne Ave • 715 N Port St • 119 N Curley St • 151 N Decker Ave • 2121 Annapolis Rd • 2229 Annapolis Rd • 2318 Sidney Ave • 2113 Sidney Ave • 2328 Annapolis RdKey Highlights: A minimum of five homes may be sold as a smaller package deal, making this

    Bob Lucido Keller Williams Lucido Agency

    225 N Luzerne Ave Unit 10 HOMES PORTFOLIO, Baltimore, MD 21224
  • /52

    $450,000

    • 1 Bed
    • 1.5 Baths
    • 1,633 Sq Ft

    801 Key Hwy, Baltimore, MD 21230

    Experience elevated urban living in one of Baltimore’s most prestigious addresses—The Ritz-Carlton Residences. This stunning 1 bedroom, 1 full and 1 half bathroom, and 1600+ square foot corner residence delivers an unparalleled blend of comfort and elegance in a prime waterfront location with incredible natural light and a Domino's Sugar view. Your private elevator opens directly into a welcoming

    Charlie Hatter Monument Sotheby's International Realty

    801 Key Hwy, Baltimore, MD 21230
  • /47

    $390,000

    • 3 Beds
    • 4 Baths
    • 1,640 Sq Ft

    720 S Lakewood Ave, Baltimore, MD 21224

    Come see this gem in the heart of Canton with a PARKING PAD! Just installed: brand new roof with 10 year warranty! This home is a quick walk to Canton Square, shopping, Patterson Park, Fells Point etc. The first floor of the home has a living and dining space, a half bath, and a beautiful gourmet kitchen totally remodeled in 2023 including a new back door. Out the back door is an oversized

    Matthew Mindel Compass

    720 S Lakewood Ave, Baltimore, MD 21224
  • /33

    $530,000

    • 4 Beds
    • 3.5 Baths
    • 3,322 Sq Ft

    2103 Bolton St, Baltimore, MD 21217

    Imagine living moments from the vibrant heart of Baltimore in this stunningly renovated brownstone. Picture yourself unwinding on one of your three private decks, including two rooftop escapes accessible directly from your luxurious ensuite bedroom. Inside, discover three spacious bedrooms, each with its own full bath, plus a convenient half bath. The ensuite is a true retreat, boasting a jetted

    Tahlea Mcneil Long & Foster Real Estate, Inc.

    2103 Bolton St, Baltimore, MD 21217
  • /25

    $325,000

    • 3 Beds
    • 1.5 Baths
    • 1,040 Sq Ft

    5708 Trumps Mill Rd, Baltimore, MD 21206

    This beautifully updated 3BR, 1.5BA updated rancher offers the perfect blend of comfort, style, and convenience. Step inside to find a gorgeous renovated kitchen featuring modern finishes, high end stainless appliances, and a breakfast bar, ideal for everyday living and entertaining. Fresh paint throughout gives the home a bright, inviting feel, while the full lower level with high ceilings

    Laura Dernoga Cummings & Co. Realtors

    5708 Trumps Mill Rd, Baltimore, MD 21206
  • /39

    $260,000

    • 3 Beds
    • 3 Baths
    • 868 Sq Ft

    1438 N Bond St, Baltimore, MD 21213

    Charming & Spacious Baltimore Townhome! Welcome to 1438 N Bond St, a beautifully updated 3-bedroom, 2.5-bath home offering modern comforts and classic charm. Step inside to gleaming hardwood floors that flow throughout the open main level, featuring a dining room with recessed lighting and a stylishly updated kitchen—perfect for entertaining. The second floor boasts two spacious bedrooms, a full

    Bob Kimball Redfin Corp

    1438 N Bond St, Baltimore, MD 21213
  • /35

    $319,900

    • 3 Beds
    • 2 Baths
    • 1,114 Sq Ft

    4513 Kenwood Ave, Baltimore, MD 21206

    Charming cape cod with many updates throughout. New Roof 2025!!! Spacious front porch welcomes you home. When you step inside you'll first notice the beautiful hardwood floor and tall ceilings. Main level features an open entry way, living room, bedroom with adjacent, newly renovated, full bath. Kitchen and pantry span the back of the house and open to a newly renovated deck. Upper level features

    Mario Banegas Taylor Properties

    4513 Kenwood Ave, Baltimore, MD 21206
  • /22

    $370,000

    • 3 Beds
    • 2.5 Baths
    • 1,632 Sq Ft

    126 N Duncan St, Baltimore, MD 21231

    Welcome to 126 N Duncan Street, an ATTACHED GARAGE HOME WITH PARKING PAD. Nestled in the heart of Butchers Hill and within close proximity to Patterson Park, Johns Hopkins Children’s Center, dining and so much more! Built in 2006, and lovingly maintained by its current owners, you'll appreciate the modern-day systems, functional floorplan and two, yes (2) rooftop living areas that showcase

    Jordan Karpe Cummings & Co. Realtors

    126 N Duncan St, Baltimore, MD 21231
  • /36

    $619,900 Open Wed 4PM - 6PM

    • 3 Beds
    • 3.5 Baths
    • 2,094 Sq Ft

    2724 Harris Ln, Baltimore, MD 21224

    Welcome to this stunning end of group brick townhome in the sought after Canton Mills community! This spacious home features a 2 car garage plus an additional 2 car parking pad with an amazing water view. The main level boasts a large living room, a gourmet kitchen with an island and stainless steel appliances, and a dining area that opens to a rear deck - perfect for entertaining. Upstairs, the

    David Jimenez RE/MAX Distinctive Real Estate, Inc.

    2724 Harris Ln, Baltimore, MD 21224
  • /17

    $230,000

    • 2 Beds
    • 1 Bath
    • 800 Sq Ft

    731 S Hanover St, Baltimore, MD 21230

    Don’t miss this charming condo in the heart of Federal Hill! Featuring wood floors throughout, this home offers a comfortable living/dining room combo, a functional galley kitchen, two spacious bedrooms, and one full bath. Enjoy walkable access to all that Federal Hill has to offer—restaurants, shops, and nightlife—plus you're just minutes from downtown, the stadiums, and major commuter routes.

    David Jimenez RE/MAX Distinctive Real Estate, Inc.

    731 S Hanover St, Baltimore, MD 21230
  • /45

    $230,000

    • 3 Beds
    • 2.5 Baths
    • 1,100 Sq Ft

    3236 Kenyon Ave, Baltimore, MD 21213

    Fully Renovated 3BR/2.5BA Townhome in Belair-Edison – Modern Design Meets Classic Charm! Welcome to 3236 Kenyon Ave, a beautifully reimagined 3-bedroom, 2.5-bath brick townhome located in the vibrant Belair-Edison neighborhood of Baltimore. From the moment you step onto the covered front porch with beadboard ceiling, you’ll feel the warmth and style that make this home truly stand out.Inside, the

    Al Cavitt VYBE Realty

    3236 Kenyon Ave, Baltimore, MD 21213
  • /15

    $363,000

    • 4 Beds
    • 3 Baths

    3117 Loch Raven Rd, Baltimore, MD 21218

    New Price! INSTANT CASH FLOW!!! Here's your opportunity to own an already thriving and fully equipped daycare. If you've ever dreamt about being your own boss or are looking to walk in and start creating instant equity now is the time and this property is the one. The possibilities for this property are endless. It is zoned residential so it can easily be turned back into a single family home.

    Tonika Matthews Long & Foster Real Estate, Inc.

    3117 Loch Raven Rd, Baltimore, MD 21218
  • /41

    $264,000

    • 3 Beds
    • 2 Baths
    • 2,201 Sq Ft

    4269 Sheldon Ave, Baltimore, MD 21206

    Welcome to 4269 Sheldon Avenue, a charming 3-bedroom, 2-bathroom home nestled in Baltimore's historic Frankford neighborhood. This 2,110-square-foot residence seamlessly blends classic architecture with modern amenities. Upon entering, you're greeted by a spacious living area adorned with large windows that bathe the room in natural light. The open floor plan effortlessly connects the living room

    Erica Isennock Inch & Co. Real Estate, LLC

    4269 Sheldon Ave, Baltimore, MD 21206
  • /38

    $330,000

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

    410 E Clement St, Baltimore, MD 21230

    Welcome to 410 E Clement Street — a beautifully updated Federal Hill townhome that checks all the boxes. This 2-bedroom, 1.5-bath charmer features refinished original hardwood floors, exposed brick, and a bright open layout that flows effortlessly from the living area to a spacious dining room. The kitchen is fully updated with sleek white cabinetry, stainless steel appliances, subway tile

    josh kline RE/MAX Advantage Realty

    410 E Clement St, Baltimore, MD 21230
  • /36

    $297,000

    • 2 Beds
    • 2.5 Baths
    • 1,068 Sq Ft

    2837 Huntingdon Ave, Baltimore, MD 21211

    Welcome to Huntingdon Ave. 2 bedrooms and 2 full bathrooms and 1 half bathroom on the main level . New floors on main level and upper level. Fresh paint and newer updated kitchen with quartz counter tops. The lower level has so many possibilities such as a gym space, laundry is there now plus plenty of storage . The back yard are is very quaint and could be designed for grilling and outdoor

    Theresa Mills Home Towne Real Estate

    2837 Huntingdon Ave, Baltimore, MD 21211
  • /33

    $220,000

    • 4 Beds
    • 2 Baths
    • 1,469 Sq Ft

    3218 Elmora Ave, Baltimore, MD 21213

    Fully Renovated Brick Townhouse in Baltimore City!Welcome to this beautifully renovated brick townhouse, perfectly blending charm with modern upgrades. From top to bottom, this home has been completely transformed and is move-in ready.Step onto the inviting front porch and into an open-concept main level featuring a stunning kitchen with brand-new cabinets, quartz countertops, and stainless steel

    CINTIA VALLADARES HERNANDEZ EXP Realty, LLC

    3218 Elmora Ave, Baltimore, MD 21213
  • /40

    $375,000

    • 2 Beds
    • 2 Baths
    • 1,453 Sq Ft

    250 President St Unit 308, Baltimore, MD 21202

    City Living at Its Finest! Waterfront views meet modern comfort!Welcome to 250 President St, Unit #308 — a beautifully updated condo offering the perfect blend of comfort and convenience in the heart of Baltimore! Enjoy breathtaking waterfront views of the Baltimore National Harbor right from your living room, where large windows flood the space with natural sunlight.Step into a bright, open

    Matthew Losover EXP Realty, LLC

    250 President St Unit 308, Baltimore, MD 21202
  • /22

    $397,000

    • 5 Beds
    • 3 Baths
    • 2,912 Sq Ft

    4908 1/2 Harford Rd, Baltimore, MD 21214

    Welcome to this spacious and renovated over 2,000 sq ft single-family home in beautiful Baltimore—offering an incredible opportunity for both comfortable living and business potential. Zoned for both residential and commercial use, this home is unique and it could be yours. Inside, you'll find an open and inviting layout featuring 5 generously sized bedrooms and 3 full bathrooms. The primary

    Jazmin Siler Samson Properties

    4908 1/2 Harford Rd, Baltimore, MD 21214
  • /30

    $330,000

    • 5 Beds
    • 2.5 Baths
    • 1,592 Sq Ft

    2906 Inglewood Ave, Parkville, MD 21234

    All 3 levels above grade are finished! The inviting covered front porch offers a place to relax outdoors and enjoy the weather or unwind at the end of the day. From here enter into a charming foyer with hardwood floor and stairs leading to the upper levels where you'll find 4 bedrooms and 2 full baths, and stairs to the finished attic, which provides another bedroom, office, craft room or rec

    Kelly Corron Long & Foster Real Estate, Inc.

    2906 Inglewood Ave, Parkville, MD 21234
  • /30

    $335,000

    • 2 Beds
    • 2.5 Baths
    • 1,148 Sq Ft

    1113 Haubert St, Baltimore, MD 21230

    Location, location location! This charming turnkey Locust Point townhome welcomes you in with exposed brick wall accents and beautiful hard wood flooring. The kitchen has custom cabinets, stainless steel appliances, and plenty of counter space! The second floor showcases the primary with ample closet space and a second bedroom with deck access. The basement level has a finished den space.

    Kelly Schuit Next Step Realty

    1113 Haubert St, Baltimore, MD 21230
  • /32

    $354,990 Open Sun 1PM - 3PM

    • 3 Beds
    • 2 Baths
    • 1,164 Sq Ft

    3812 Echodale Ave, Baltimore, MD 21206

    Welcome home to this beautiful property in the Waltherson neighborhood. With three ample size bedrooms, and two full bathrooms, there is plenty of room to relax. The elegant modern light fixtures throughout are design elements of envy. The kitchen is any would be chef's dream, with a convenient center island to gather around and enjoy. Enjoy summer nights sipping on your favorite summer beverage

    Catherine Burke Iron Valley Real Estate of Central MD

    3812 Echodale Ave, Baltimore, MD 21206
  • /28

    $399,999

    • 4 Beds
    • 2 Baths
    • 1,800 Sq Ft

    2811 Christopher Ave, Baltimore, MD 21214

    Just Renovated & Move-In Ready – 2811 Christopher Ave, Baltimore, MD 21214 4 Bedrooms | 2 Full Bathrooms | Modern Luxury in Hamilton HillsWelcome to your dream home in the heart of Hamilton Hills! This fully renovated 4-bedroom, 2-bathroom beauty offers the perfect combination of modern style, comfort, and unbeatable location.Step inside and be wowed by the open-concept living space filled with

    Jimy Chavarria Keller Williams Gateway LLC

    2811 Christopher Ave, Baltimore, MD 21214
  • /48

    $749,000

    • Studio
    • 4,240 Sq Ft

    1115 N Calvert St, Baltimore, MD 21202

    Excellent investment opportunity in Baltimore’s desirable Mid-town Belvedere neighborhood, featuring a 4 a unit multifamily property made up of four 1-bedroom units and a top-level studio with a full private bathroom. Private parking or street parking available. Currently generating $3,920/month from 3 occupied units, with one unit vacant and rent-ready and another in the process of renovation,

    Alex Lee Cummings & Co. Realtors

    1115 N Calvert St, Baltimore, MD 21202
  • /81

    $619,000

    • 4 Beds
    • 3.5 Baths
    • 2,100 Sq Ft

    2331 Cambridge Walk, Baltimore, MD 21224

    Welcome to 2331 Cambridge Walk, where sleek design, skyline views, and city energy collide. Nestled in one of Baltimore’s most walkable neighborhoods, this 4-level luxury Canton townhome is the definition of upscale urban living.Your tour starts on the main level which has a huge enviable tandem 2 car garage with plenty of room for storage. The first of 4 bedrooms with an en-suite is located

    Ellie Mcintire Keller Williams Realty/Lee Beaver & Assoc.

    2331 Cambridge Walk, Baltimore, MD 21224
  • /33

    $230,000

    • 3 Beds
    • 2 Baths
    • 1,488 Sq Ft

    805 Cator Ave, Baltimore, MD 21218

    Welcome to this beautifully renovated gem in the heart of Baltimore! Updated in 2022, this spacious 3-bedroom, 2-bath home offers the perfect blend of classic charm and modern finishes.Step inside to a bright and inviting sunroom, complemented by hardwood floors, high ceilings, and a main-level laundry area for added ease. The open-concept kitchen is a true showstopper, featuring Calcutta quartz

    Ronni Cannady Samson Properties

    805 Cator Ave, Baltimore, MD 21218
  • /30

    $299,500

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

    1509 E 36th St, Baltimore, MD 21218

    ***Closing help available *** LOCATED IN HISTORIC EDNOR GARDENS-LAKESIDE NEIGHBORHOOD. NEAR LAKE MONTEBELLO JUST SOUTH OF MORGAN STATE UNIVERSITY AND JOHN HOPKINS UNIVERSITY AS WELL AS 95 AND 695. HOME HAS BEEN COMPLETELY RENOVATED TO INCLUDE A FULL BATH WITH ITALIAN TILE, VANITY, AND SHOWER TUB. 3 LARGE BEDROOMS WITH NEW CARPET. MAIN LEVEL HAS GOURMET KITCHEN WITH NEW STAINLESS APPLIANCES. HIGH

    Thomas Hennerty NetRealtyNow.com, LLC

    1509 E 36th St, Baltimore, MD 21218
  • /36

    $264,900

    • 3 Beds
    • 2 Baths
    • 1,345 Sq Ft

    2242 E Fairmount Ave, Baltimore, MD 21231

    This classic three-story Butcher's Hill home is the cure for all the soulless, stale grey boxes you have seen a hundred times. This home has been mindfully updated to combine modern living with the old Baltimore historic charm we love. The main floor welcomes you to the living room, featuring stunning wood floors and crown molding. Past the living, you will love your separate dining room with

    Meighan Sweeney Cummings & Co. Realtors

    2242 E Fairmount Ave, Baltimore, MD 21231
  • /15

    $244,900 Open Sat 12:30PM - 1:30PM

    • 1 Bed
    • 1 Bath
    • 795 Sq Ft

    23 Pierside Dr Unit 335, Baltimore, MD 21230

    Rare opportunity to own one of only twelve one bedroom waterfront condos in sought after Pierside Drive Condominiums. Get ready to love city life without the hassle! This spacious 1 bedroom 1 bathroom condo has been mindfully updated, meticulously maintained and is the definition of turn key. Condo comes stacked with amities including covered garage parking, community center, pool,

    Meighan Sweeney Cummings & Co. Realtors

    23 Pierside Dr Unit 335, Baltimore, MD 21230
  • /31

    $395,000

    • 5 Beds
    • 3.5 Baths
    • 3,090 Sq Ft

    611 Parkwyrth Ave, Baltimore, MD 21218

    This stunning 5-bedroom, 3.5-bath colonial home offers space, style, and modern convenience across three beautifully finished levels. With a thoughtfully designed floor plan, the main level boasts an open-concept living area, a spacious bedroom, and both a full and half bath—ideal for guests or multi-generational living.The heart of the home is the beautifully updated kitchen, featuring sleek

    Chris Craddock EXP Realty, LLC

    611 Parkwyrth Ave, Baltimore, MD 21218
  • /20

    $175,000

    • 4 Beds
    • 1 Bath
    • 1,376 Sq Ft

    4702 Kernwood Ave, Baltimore, MD 21212

    . Welcome to 4702 Kernwood Avenue — a charming home nestled in the heart of Radnor-Winston, one of North Baltimore’s best-kept secrets. Located just minutes from Johns Hopkins University (Homewood Campus), Loyola University, and Morgan State, this community offers unbeatable access to some of the city’s most vibrant academic and cultural hubs.Perfectly positioned just east of Roland Park, north

    josh kline RE/MAX Advantage Realty

    4702 Kernwood Ave, Baltimore, MD 21212
  • /29

    $429,900

    • 3 Beds
    • 4 Baths
    • 1,836 Sq Ft

    837 W 33rd St, Baltimore, MD 21211

    837 W 33rd Street has everything you can imagine in Hampden! Upstairs there are 3 bedrooms and 2 bathrooms, the main floor has a stunning kitchen with white cabinets, gold hardware, marble waterfall island, chevron backsplash, and a warm wood plank ceiling. The kitchen connects to the dining/living area that has large windows, tray ceilings, sleek lighting, and a powder room. Off the kitchen you

    Dassi Lazar Lazar Real Estate

    837 W 33rd St, Baltimore, MD 21211
  • /50

    $344,900

    • 5 Beds
    • 3.5 Baths
    • 3,450 Sq Ft

    1818 Druid Hill Ave, Baltimore, MD 21217

    **Please note there are quite a few properties on the block currently being renovated and some are about to begin renovation and are just waiting for drawings to be approved! ** Please ask me about the numerous grants that are available for this home!Welcome to 1818 Druid Hill Ave – A Beautifully Updated Home with 5 Bedrooms and 3.5 Bathrooms!Step into a meticulously designed home that seamlessly

    loni alez Lazar Real Estate

    1818 Druid Hill Ave, Baltimore, MD 21217
  • /27

    $385,000

    • 3 Beds
    • 2.5 Baths
    • 2,389 Sq Ft

    5703 Hamilton Ave, Rosedale, MD 21237

    Beautiful renovated 3 Bedroom 2 1/2 bath single family home. Hardwood floors, New carpet, New roof, New Kitchen and New baths. Must see for immediate sale

    Michael Dackman Cornerstone Realty, Inc.

    5703 Hamilton Ave, Rosedale, MD 21237
  • /21

    $499,000

    • 5 Beds
    • 5 Baths
    • 2,758 Sq Ft

    1815 Saint Paul St, Baltimore, MD 21202

    House hacking opportunity! 1815 Saint Paul St is a zoned 5-unit property. The top floor 2-bedroom apartment and rear 2-car parking pad are currently available for your use while you collect rents from the other 4 occupied units to help defray your mortgage costs! This end-unit building is located in the lively Station North neighborhood of Baltimore City, just 1.8 miles from the bustling Inner

    Jamie Koehler Cummings & Co. Realtors

    1815 Saint Paul St, Baltimore, MD 21202
  • /35

    $299,900

    • 4 Beds
    • 3.5 Baths

    1722 Mcculloh St, Baltimore, MD 21217

    Price Improvement! Welcome to 1722 McCulloh St - A Historic Madison Park GemDiscover a fully renovated home with exceptional attention to detail and all necessary permits in place. The main level boasts an inviting open floor plan, perfect for entertaining, featuring a spacious living area, dining space, and a gourmet kitchen. The kitchen is a chef's dream, complete with Quartz countertops, a

    Jessica Dailey Compass

    1722 Mcculloh St, Baltimore, MD 21217
  • /27

    $264,950

    • 3 Beds
    • 2 Baths
    • 1,395 Sq Ft

    4005 Echodale Ave, Baltimore, MD 21206

    Welcome to 4005 Echodale Avenue — a charming, move-in ready semi-detached home located in Waltherson! This updated 3-bedroom, 2-bathroom home offers comfortable living with a thoughtful layout and modern features throughout.Step inside to find a bright and inviting main level that includes a spacious living room, a dedicated dining area, and a stylish kitchen complete with stainless steel

    Gene Drubetskoy EXP Realty, LLC

    4005 Echodale Ave, Baltimore, MD 21206

Showing Results 361 - 400, Page 10 of 18

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