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Homes for Sale near New Beginnings Academy

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  • /2

    $565,999

    • 4 Beds
    • 3.5 Baths
    • 1,823 Sq Ft

    32 Cobden St Unit B, Roxbury, MA 02119

    Modern 3 Bed, 3.5 Bath Condo in Roxbury - could be set up as 4 Bedroom + office with plenty of space - Exceptional Value! Discover value in this contemporary 3-bed, 3.5-bath condo in Roxbury, Boston, currently leased at $3765. Built in 2006, the townhouse features hardwood floors, central AC, granite countertops, stainless steel appliances, a master suite with a Jacuzzi tub, in-unit washer/dryer,

    Zachary Conley NextGen Realty, Inc.

    32 Cobden St Unit B, Roxbury, MA 02119
  • /25

    $995,000

    • 6 Beds
    • 4 Baths
    • 2,632 Sq Ft

    51 Esmond St, Dorchester, MA 02121

    This home was built in 2004, is perfect for families,With 10 rooms,6 bedrooms,4 Full bathrooms.The finished basement adds extra room for recreation,entertainment,or additional living quarters.The home's stainless steel appliances,remote control basement door opener modern finishes gives sleek and sophisticated look. Close proximity to the park and shopping center.

    Sohail Kaisar Cameron Real Estate Group

    51 Esmond St, Dorchester, MA 02121
  • /20

    $1,595,000

    • 3 Beds
    • 3 Baths
    • 2,064 Sq Ft

    31 Evergreen St Unit 1, Boston, MA 02130

    The epitome of urban convenience in this contemporary townhome is a haven of style and comfort. As you enter the stylish living area, you're welcomed by the warmth of a modern fireplace, seamlessly flowing into a sunlit chef's kitchen equipped with high-end appliances, quartz countertops, and an expansive island along with a dining area – perfect for entertaining. Upstairs, indulge in the privacy

    Chris Kostopoulos Keller Williams Realty

    31 Evergreen St Unit 1, Boston, MA 02130
  • /28

    $1,699,000

    • 3 Beds
    • 2.5 Baths
    • 3,012 Sq Ft

    37 Sevland Rd, Newton Center, MA 02459

    Discover the comfort and convenience of one-level living at 37 Sevland Rd. Set on a beautiful tree-lined street in a desirable South Newton neighborhood, this 3+ bed, 2.5 bath ranch style homes offers a perfect blend of tranquility and accessibility. The inviting open-floor plan flows seamlessly from the bright living room with wood floors and fireplace to a large eat-in kitchen with a breakfast

    Elaine Meise Compass

    37 Sevland Rd, Newton Center, MA 02459
  • /39

    $2,779,900

    • 5 Beds
    • 5 Baths
    • 6,046 Sq Ft

    20 Shuttleworth Place, Dedham, MA 02026

    The second of two new construction homes to be completed in Dedham’s Precinct One neighborhood! 20 Shuttleworth offers an opportunity to influence design while premier local builder handles the rest. Private, wooded setting, professionally designed landscape, modern living on four stories. Gourmet kitchen, formal dining and living, decorative finishes throughout. An amazing opportunity for a

    Michael Musto RE/MAX Distinct Advantage

    20 Shuttleworth Place, Dedham, MA 02026
  • /30

    $1,244,000

    • 3 Beds
    • 3 Baths
    • 2,257 Sq Ft

    79 Hilltop St, Milton, MA 02186

    FRESHLY PAINTED INTERIOR & NEW PRICE for this MOVE-IN READY MILTON RETREAT—ideal for modern, flexible living. This well-maintained 3BR, 3BA home on a private .51-acre corner lot offers the space, layout, and privacy today’s buyers desire. Hardwood floors throughout the main level. Open-concept living/dining area, sunroom, and cherry kitchen with granite counters & SS appliances. The finished

    Le Doan eXp Realty

    79 Hilltop St, Milton, MA 02186
  • /14

    $225,000

    • Land
    • 0.08 Acre
    • $2,812,500 per Acre

    0 Tina Ave, Boston, MA 02136

    ATTENTION INVESTORS, NEIGHBORS & BUILDERS...AMAZING OPPORTUNITY TO BUY LAND....Don’t miss your chance to own a 3,600 sq. ft. parcel in one of Boston’s desirable neighborhoods! This rare opportunity offers the perfect blend of suburban charm and city convenience. Located in Hyde Park, this lot is surrounded by amazing local amenities—steps to public transportation, shopping centers, parks, and

    Lisa Tracey RE/MAX Distinct Advantage

    0 Tina Ave, Boston, MA 02136
  • /22

    $389,900

    • 2 Beds
    • 1 Bath
    • 735 Sq Ft

    1185 Adams St Unit 5, Dorchester Center, MA 02124

    Why rent when you can own? This charming 2-bedroom condo in Dorchester’s Lower Mills is perfect for downsizers or students looking for a smart investment. Freshly painted and professionally cleaned, the unit features hardwood floors, a spacious living room with built-in A/C, and a bright eat-in kitchen. Both bedrooms offer great closet space. Enjoy the ease of assigned off-street parking, on-site

    Naomi Malabre RE/MAX Real Estate Center

    1185 Adams St Unit 5, Dorchester Center, MA 02124
  • /24

    $969,000

    • 2 Beds
    • 2 Baths
    • 1,147 Sq Ft

    22 High St Unit PH13, Dorchester, MA 02122

    33% Reserved! Step into sophisticated new construction at The Crown on High! Soaring 15-foot ceilings with skylights flood the open-concept kitchen, living, and dining area with natural light, while the primary suite impresses with a spacious walk-in closet and elegant en-suite bathroom. Designed for style and convenience, the condo features a private deck with sweeping Dorchester views—along

    Alyssa Lum EVO Real Estate Group, LLC

    22 High St Unit PH13, Dorchester, MA 02122
  • /6

    $769,995

    • 2 Beds
    • 2 Baths
    • 1,184 Sq Ft

    22 High St Unit 102, Dorchester, MA 02122

    33% Reserved! Welcome to the esteemed new construction at The Crown on High! Built by a renowned local builder, this sunny 2 bed 2 bath is where you will be greeted by a spacious living room that flows seamlessly into the dining area, making it perfect for entertaining. The modern kitchen is fully equipped with stainless steel appliances, sleek cabinetry, and a large island that provides ample

    Alyssa Lum EVO Real Estate Group, LLC

    22 High St Unit 102, Dorchester, MA 02122
  • /32

    $1,299,000

    • 11 Beds
    • 3 Baths
    • 3,000 Sq Ft

    75 Ruthven St, Dorchester, MA 02121

    Prime Investment Opportunity – Renovated Condo-Quality Roxbury Three-Family! Seize this incredible chance to own a fully renovated, de-leaded three-family property in the heart of Roxbury. Fully leased with exceptional tenants! The current owner has had zero vacancies. This stunning building offers: (1) 3-bedroom, 1-bath unit and (2) 4-bedroom, 1-bath units.Gorgeous oak hardwood floors, Sleek

    Erik Puslys Coldwell Banker Realty - Boston

    75 Ruthven St, Dorchester, MA 02121
  • /27

    $359,900

    • 2 Beds
    • 1 Bath
    • 740 Sq Ft

    121 Grove St Unit 7, West Roxbury, MA 02132

    Glen Grove is a charming condo development with long term owners and professionally managed. This wonderful two-bedroom corner unit is in move in condition. Needing updating but a solid and well laid out unit with an open floor plan. Offering quality + energy efficient custom replacement windows throughout including the slider to lovely screen porch. Convenient assigned parking spot just

    Marjorie Vogt Vogt Realty Group

    121 Grove St Unit 7, West Roxbury, MA 02132
  • /22

    $679,000

    • 4 Beds
    • 2 Baths
    • 1,456 Sq Ft

    24 Fifield St, Dorchester, MA 02122

    Welcome to this excellent condition 4-bedroom, 2-bath single-family home located in Dorchester! This home features a updated kitchen with a island with quarts countertops, stainless steel appliances, updated bathrooms, central ac, gas central heat, updated hardwood floors across all levels, gas water heater, a carport, and four off-street parking spots. This home offers both space and convenience.

    JunJie Su eXp Realty

    24 Fifield St, Dorchester, MA 02122
  • /30

    $645,000

    • 3 Beds
    • 1 Bath
    • 1,176 Sq Ft

    149 Hollingsworth St, Boston, MA 02136

    Tucked away on a quiet street in the heart of Hyde Park, this beautifully renovated 3-bedroom, 1-bath single-family home blends classic character with modern updates—perfect for a first-time buyer, downsizer, or anyone looking for a move-in-ready gem with room to grow. Step inside and feel the warmth of a thoughtfully designed layout that flows seamlessly from the sun-filled living room to a

    Markese Daise Stony Brook & Lennox Realty Advisors

    149 Hollingsworth St, Boston, MA 02136
  • /18

    $399,900

    • 2 Beds
    • 1.5 Baths
    • 864 Sq Ft

    84 Lancaster Rd, Dedham, MA 02026

    PRICE REDUCTION FOR FASTER SALE. NOW vacant! Tucked away at the end of a dead-end street, this townhome offers comfort, privacy, and convenience. Lovingly maintained, features beautiful hardwood flooring and an open-concept kitchen and living area and half bath on the main level—ideal for everyday living and entertaining. Upstairs two spacious bedrooms with generous closets and a full bath.

    Iva Andrade Right Realty, Inc.

    84 Lancaster Rd, Dedham, MA 02026
  • /15

    $619,000

    • 2 Beds
    • 2 Baths
    • 1,349 Sq Ft

    808 Morton St Unit 3, Boston, MA 02126

    Welcome to this beautifully crafted new construction condo! Just 5 minutes from Lower Mills. This spacious 2nd floor unit is part of an exclusive 4-unit development and features high-end finishes throughout. The open-concept layout includes quartz countertops, premium fixtures, in-unit laundry, central heat & AC, and deeded off-street parking. Oversized windows fill the space with natural light,

    Robert Nichols MIG

    808 Morton St Unit 3, Boston, MA 02126
  • /32

    $865,000

    • 3 Beds
    • 2 Baths
    • 1,404 Sq Ft

    60 Fuller St Unit 5, Dorchester Center, MA 02124

    Penthouse featuring 3 beds, 2 baths, soaring 11 ft ceilings, and overflowing with natural light. The kitchen comprises quartz counters, Fisher and Paykel stainless steel appliances, ample cabinet space, an extended peninsula with seating for three comfortably, and a dry bar with a beverage fridge. The primary bedroom allows for a large king bed with a walk-in closet and en-suite bathroom

    The Biega + Kilgore Team Compass

    60 Fuller St Unit 5, Dorchester Center, MA 02124
  • /42

    $1,989,000

    • 5 Beds
    • 4.5 Baths
    • 4,679 Sq Ft

    95 Gibson Ave, Dedham, MA 02026

    Nestled at the end of a peaceful cul-de-sac, this thoughtfully designed 2013 home offers four expansive levels of refined living and breathtaking 180 pond views. The gourmet kitchen dazzles with an expansive Quartz island, built-in wine fridge, premium appliances, and bespoke cabinetry—flowing effortlessly into a light-filled family room with a cozy gas fireplace and grand windows, inlcluding an

    George Sarkis Douglas Elliman Real Estate - The Sarkis Team

    95 Gibson Ave, Dedham, MA 02026
  • /26

    $374,999

    • 1 Bed
    • 1 Bath
    • 812 Sq Ft

    7 S Stone Mill Dr Unit 522, Dedham, MA 02026

    Welcome to your dream pad in Dedham, MA! This place has been totally revamped with a reconfigured layout, new appliances, new kitchen/bath, new floors, new electrical, new electrical panel with surge suppressor, newly insulated shared walls, new hot water heater, and fresh paint. Wow! A brand-new vibe awaits you in this stylish setup. With 812 square feet of living space, there's plenty of room

    The Movement Group Compass

    7 S Stone Mill Dr Unit 522, Dedham, MA 02026
  • /39

    $3,175,000

    • 6 Beds
    • 6.5 Baths
    • 6,100 Sq Ft

    6 Newbury Park, Needham, MA 02492

    Welcome to 6 Newbury Park, a well crafted and well thought out new construction home, ideally situated near Broadmeadow Elementary & just steps from Hersey train station. Featuring 9-foot ceilings throughout, the grand foyer is highlighted by triple 8-foot glass doors. The chef-inspired kitchen with white oak details is equipped with premium appliances, including a 48” Wolf range & 48” Sub-Zero

    O & C Homes Team William Raveis R.E. & Home Services

    6 Newbury Park, Needham, MA 02492
  • /42

    $3,760,000

    • 6 Beds
    • 5.5 Baths
    • 6,000 Sq Ft

    11 Fairhaven Rd, Newton Center, MA 02459

    Rare chance to own an exquisite luxury home located in Newton's highly coveted Oak Hill neighborhood. Impress with gorgeous hardwood floors, high ceilings, and oversized windows throughout. Adjoining formal living w/fireplace and formal dining room, flows into to the amazing gourmet chef's kitchen. Boasting a huge center island, professional appliances including 2 wall ovens, full range 2

    Key Kuen Ho Blue Ocean Realty, LLC

    11 Fairhaven Rd, Newton Center, MA 02459
  • /40

    $1,159,000

    • 3 Beds
    • 2 Baths
    • 2,325 Sq Ft

    12 Eagle St, West Roxbury, MA 02132

    Stunning 2025 New full Renovation, 3 bedroom, 2 Bath with finished basement on cul-de-sac.. Just move in to this upgraded stunning house with new hardwood floors Kitchen flows into sunny beamed ceiling Great Room with glass slider onto stone patio for entertaining. Kitchen with bar area, granite counter, ceiling height cabinets & stainless appliances. Living room has a fireplace.2 full baths with

    Jorge Zea Jorge Andres Zea

    12 Eagle St, West Roxbury, MA 02132
  • /20

    $720,000

    • 1 Bed
    • 1.5 Baths
    • 1,014 Sq Ft

    3531 Washington St Unit 207, Jamaica Plain, MA 02130

    Looking for a secure place to park your money in today’s unpredictable market? Look no further than this opportunity to invest in VITA, JP’s premier luxury condo community! This 1 bed + den (see disclosure) unit offers a flexible layout with potential to convert the den into an interior 2nd bedroom (see previously listed unit #407). LEASED THROUGH 5/31/26 AT $3400 TO A HIGH QUALITY TENANT—ideal

    Justin Blankenship Fiv Realty Co

    3531 Washington St Unit 207, Jamaica Plain, MA 02130
  • /36

    $2,950,000

    • 5 Beds
    • 6 Baths
    • 5,994 Sq Ft

    71 Farina Rd, Newton Center, MA 02459

    Welcome to this stunning, meticulously maintained South Side contemporary home offering nearly 6,000 square feet of luxurious living space! A dramatic two-story, granite foyer welcomes you to a multi-tiered living room with walls of glass, soaring vaulted ceilings and French doors leading to a patio providing picturesque views of your private yard and in-ground pool. The main floor also features

    Janice Lipof Hammond Residential Real Estate

    71 Farina Rd, Newton Center, MA 02459
  • /15

    $879,000

    • 2 Beds
    • 2 Baths
    • 1,332 Sq Ft

    298 Washington St Unit 208, Westwood, MA 02090

    Recent pricing adjustment makes this the best value at The Steeple at Islington Village, located right in the center of Islington. A thoughtfully developed 2022 property offering luxury living in a great location. This two bed two bath unit has it all, open floor plan, gourmet kitchen, Wolf stove, Sub Zero refrigerator, quartz countertops and backsplash, custom cabinetry. Wonderful master suite

    Tom Lambert Berkshire Hathaway HomeServices Commonwealth Real Estate

    298 Washington St Unit 208, Westwood, MA 02090
  • /34

    $690,000

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

    2 Viola St Unit 2A, Milton, MA 02186

    A well-curated home is thoughtfully designed, prioritizing intentional choices and creating a space that feels functional and beautiful. The unexpected offering at 2A Viola is the definition of well-curated, and its dedicated owner has transformed the space through meticulous renovations, reimagining every corner—without cutting any corners. This condo combines the warmth and comforts of a

    Erin Feeney Ceres Real Estate

    2 Viola St Unit 2A, Milton, MA 02186
  • /17

    $1,495,000

    • 9 Beds
    • 3 Baths
    • 4,233 Sq Ft

    7 Speedwell St, Dorchester, MA 02122

    Turnkey & Stabilized Investment Opportunity in Dorchester perfect for savvy investors. This property is a massive double bowed 3-family with all three units consisting of spacious 1,400 sq. ft. 3-bedroom units. The building was recently meticulously renovated with modern kitchens & bathrooms, brand new stainless steel appliances, new energy-efficient windows, refinished hardwood floors, and new

    Tom Barcikowski Oakmont Real Estate LLC

    7 Speedwell St, Dorchester, MA 02122
  • /42

    $1,399,000

    • 5 Beds
    • 3 Baths
    • 2,689 Sq Ft

    912 Brush Hill Rd, Milton, MA 02186

    Welcome to 912 Brush Hill Road! Big price improvement! This lovely 5-bedroom, 3 bath Colonial home with an In-Law Suite is set on nearly an acre of land in Milton, with approx 2689 sq ft of living space. Inviting front entry to the house leads to a bright and open living room and dining room, with gleaming hardwood floors and cozy four season sunroom. Bonus one bedroom au pair suite in the lower

    John O'Toole Olde Towne Real Estate Co.

    912 Brush Hill Rd, Milton, MA 02186
  • /41

    $8,599,000

    • 6 Beds
    • 9 Baths
    • 8,849 Sq Ft

    120 Cabot St, Chestnut Hill, MA 02467

    Tucked away at the end of a quiet dead-end street, 120 Cabot Street is a breathtaking French chateau-style residence that transports you to Europe while offering the best of Boston luxury. With soaring 11-foot ceilings and exquisite architectural details, this home exudes elegance, from its gracious living and dining rooms with floor-to-ceiling French doors to its gourmet kitchen, complete with a

    George Sarkis Douglas Elliman Real Estate - The Sarkis Team

    120 Cabot St, Chestnut Hill, MA 02467
  • /31

    $1,498,000

    • 13 Beds
    • 3 Baths
    • 3,906 Sq Ft

    29 Ridgewood St, Dorchester, MA 02122

    Unique investment opportunity! Massive 3 family with 13 Bdrs and 8.5% CAP rate. All units are deleaded. This is a true cash cow, offering outstanding rental income and long-term value. Tenants pay all utilities. Perfect for 1031 exchange, long term rental income, owner occupant or condo conversion. All units are sunny, bright, have front and back porches and recently renovated with granite

    Galina Belenky ERA Cape Real Estate, LLC

    29 Ridgewood St, Dorchester, MA 02122
  • /2

    $950,000

    • 4 Beds
    • 1.5 Baths
    • 1,718 Sq Ft

    35 Fairfield St, Dedham, MA 02026

    Welcome to 35 Fairfield Street – a beautifully updated home offering 4 bedrooms, 1.5 baths, and rich hardwood floors in one of Riverdale’s most desirable neighborhoods. Enjoy a bright, spacious layout with a sunlit living room, formal dining room, and large kitchen perfect for entertaining.This home features many recent upgrades, including roof, windows, electrical , and new front and back

    Yohannes Tamene Stuart St James, Inc.

    35 Fairfield St, Dedham, MA 02026
  • /42

    $1,598,000

    • 4 Beds
    • 3.5 Baths
    • 2,660 Sq Ft

    646 Newton St Unit 2, Chestnut Hill, MA 02467

    Welcome to 646 Newton Street, a stunning residence that perfectly blends charm, elegance, and modern convenience. This beautifully designed and renovated head to toe 4-bedroom, 3.5-bathroom home offers a spacious layout with thoughtful details that make every space feel inviting.Step into a bright and airy living room, where high ceilings and large windows create an open and welcoming atmosphere.

    Eugene Doktorov Knight Realty

    646 Newton St Unit 2, Chestnut Hill, MA 02467
  • /42

    $2,850,000

    • 6 Beds
    • 7.5 Baths
    • 6,516 Sq Ft

    118 Grosvenor Rd, Needham, MA 02492

    Stunning new construction luxury home, offering meticulously designed living space spread across four floors. Located in the Broadmeadow neighborhood, this elegant home features six generously-sized bedrooms, each thoughtfully designed to offer privacy and comfort, including a luxurious master suite with a spa-like bath, walk-in closet, and panoramic balcony views. The open-concept floor plan is

    William Concannon Louise Condon Realty

    118 Grosvenor Rd, Needham, MA 02492
  • /24

    $685,000

    • 1 Bed
    • 1 Bath
    • 848 Sq Ft

    3531 Washington St Unit 419, Jamaica Plain, MA 02130

    Discover upscale city living in this stunning 1-bedroom + study/den residence at VITA, complete with garage parking. Just steps from the Forest Hills Orang T station, this modern building offers full-service amenities, including concierge service, a club room, bike storage, a pet spa, an expansive rooftop deck with grilling stations and breathtaking city views, and an onsite Planet Fitness.The

    Hanna Zhang East Coast Realty, Inc.

    3531 Washington St Unit 419, Jamaica Plain, MA 02130
  • /23

    $950,000

    • 7 Beds
    • 3.5 Baths
    • 2,579 Sq Ft

    1 Louis d Brown Way, Dorchester Center, MA 02124

    Ideal 3-family investment property in Dorchester's Fields Corner neighborhood that's within .5 miles to Fields Corner T-station, and within close proximity to shops, restaurants, highway, UMASS Boston, etc. This property offers exterior vinyl siding, vinyl replacement windows, updated roof & deck, updated plumbing, 3 newer water heaters, gas heating & cooking, separate utilities, and a driveway

    Christine Do Keller Williams Realty

    1 Louis d Brown Way, Dorchester Center, MA 02124
  • /17

    $1,095,000

    • 2 Beds
    • 2.5 Baths
    • 1,426 Sq Ft

    176 School St Unit C, Boston, MA 02119

    This ground up construction townhome features your own private, heated garage! Choose from two remaining units including one 3 bed, 2.5 bath and one 2 bed, 2.5 bath. The garage enters directly into your mudroom and a staircase leading up to your main level of living which includes a half bath. The kitchen boasts Thermador appliances throughout, white gloss upper cabinets, and quartz

    Adams & Co. Team Real Broker MA, LLC

    176 School St Unit C, Boston, MA 02119
  • /17

    $1,095,000

    • 2 Beds
    • 2.5 Baths
    • 1,426 Sq Ft

    176 School St Unit C, Boston, MA 02119

    This ground up construction townhome features your own private, heated garage! Choose from two remaining units including one 3 bed, 2.5 bath and one 2 bed, 2.5 bath. The garage enters directly into your mudroom and a staircase leading up to your main level of living which includes a half bath. The kitchen boasts Thermador appliances throughout, white gloss upper cabinets, and quartz

    Adams & Co. Team Real Broker MA, LLC

    176 School St Unit C, Boston, MA 02119
  • /10

    $1,800,000

    • 4 Beds
    • 2 Baths
    • 2,440 Sq Ft

    179 Hebron St, Mattapan, MA 02126

    Attention developers, tremendous opportunity, 2 Fam brick house packaged with four additional lots for a combined 26,000 sqft of Multi-Family zoned land . The property is located just off Cummins Hwy close to the Roslindale border. The rectangular shaped site stretches from Hebron to Livermore St. Land also carries large stone garages and a stone shed. House is currently uninhabitable due to

    Michael O'Dea Coldwell Banker Realty - Brookline

    179 Hebron St, Mattapan, MA 02126
  • /24

    $1,489,000

    • 5 Beds
    • 4 Baths
    • 2,985 Sq Ft

    1 Claymont Terrace, Dorchester, MA 02122

    Discover this meticulously RENOVATED NEPONSET MULTI-FAMILY, perfect for end-users looking for income generating rental! This 2-family home underwent a stunning transformation in 2022, featuring exquisite hardwood floors, recessed lighting, Bluetooth speakers, stainless steel appliances, Nest thermostats, modern kitchens, and well-appointed bathrooms. Enjoy the comfort of central A/C, new decks,

    Siu Fu Lau Team Compass

    1 Claymont Terrace, Dorchester, MA 02122
  • /9

    $1,800,000

    • Land
    • 0.60 Acre
    • $3,000,000 per Acre

    179 Hebron St, Mattapan, MA 02126

    Attention developers, tremendous opportunity, 26,000sqft of Multi-Family zoned land. Located just off Cummins Hwy close to the Roslindale border. This rectangular shaped site is comprised of 5 lots and stretches from Hebron to Livermore St. The sale includes a 2 Fam brick house (currently uninhabitable), large stone garages and shed. Located just .7mi from the new Blue Hill Ave Commuter station.

    Michael O'Dea Coldwell Banker Realty - Brookline

    179 Hebron St, Mattapan, MA 02126

Showing Results 401 - 440, Page 11 of 16

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