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Cabarrus County NC Homes for Sale with Garage

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  • /29

    $405,000

    • 4 Beds
    • 2.5 Baths
    • 2,037 Sq Ft

    1239 Kent Downs Ave SW, Concord, NC 28027

    MOTIVATED seller, please bring us an offer! Meticulously maintained and filled with natural light, this stunning 4-bedroom, 2.5-bath home in the popular Roberta Ridge community is the one you’ve been waiting for!Built in 2019, close to the neighborhood swimming pool, this home features an open floor plan with a smooth flow that blends modern elegance with everyday comfort. Step inside to a

    Christy Solomon Premier South

    1239 Kent Downs Ave SW, Concord, NC 28027
  • /48

    $289,900

    • 3 Beds
    • 1.5 Baths
    • 1,286 Sq Ft

    207 Highland Ave SW, Concord, NC 28027

    Ranch-style home situated on a large, level lot. Major components including the roof, HVAC system, water heater, and windows were replaced in 2019 (per seller). Features include an eat-in kitchen with breakfast bar and a spacious living room with coffered ceiling, wood flooring, and ceiling fan. Bedrooms have recently installed carpet.The full bathroom has been updated with tile flooring, a

    Cindy Snyder RE/MAX Leading Edge

    207 Highland Ave SW, Concord, NC 28027
  • /32

    $570,000

    • 4 Beds
    • 3 Baths
    • 2,420 Sq Ft

    8015 Frances Haven Dr, Harrisburg, NC 28075

    Located in the quaint Frances Haven neighborhood, this beautiful, full-brick home offers everything you need and more! Built in 2016, this 4 BR + 3 BA home served as the model home for Frances Haven and has numerous upgrades throughout, including open-concept living, upgraded cabinetry, granite countertops, hardwood floors, tray ceilings, and extended living space. The main floor features your

    Brittany Edwards Realty One Group Revolution

    8015 Frances Haven Dr, Harrisburg, NC 28075
  • /19

    $475,000

    • 5 Beds
    • 2.5 Baths
    • 2,551 Sq Ft

    1457 Prestbury Rd NW, Concord, NC 28027

    Welcome to Moss Creek! Move-in ready, gently lived in, and nestled in one of Concord’s most sought-after communities, offering an abundance of amenities. Enjoy the resort-style clubhouse, sparkling pools with kids’ splash area, fitness center, tennis and pickleball courts, multiple sports courts, playgrounds, and scenic walking trails. The community also hosts events throughout the year,

    Britney Biles Mark Spain Real Estate

    1457 Prestbury Rd NW, Concord, NC 28027
  • /26

    $591,500

    • 4 Beds
    • 3.5 Baths
    • 3,345 Sq Ft

    483 Hunton Forest Dr NW, Concord, NC 28027

    Step into modern comfort and style in this stunning newer-built 4-bedroom, 3.5-bath, 2-story home on a corner lot. Located right off the highly sought-after Poplar Tent area. Main Floor Highlights:Enjoy a private guest suite with full bath, a formal study, powder room, breakfast nook, and a formal dining room featuring a butler’s pantry that flows seamlessly into the beautifully designed

    Tangela Spears Howard Hanna Allen Tate Concord

    483 Hunton Forest Dr NW, Concord, NC 28027
  • /36

    $415,000

    • 4 Beds
    • 3 Baths
    • 2,160 Sq Ft

    3673 Farm Lake Dr SW, Concord, NC 28027

    Welcome to this well-maintained split-level home offering over 2,100 sq. ft. of comfortable living space, perfectly situated beside Frank Liske Park. From its versatile floor plan to its thoughtful updates, this property is move-in ready and designed for everyday ease. New deck installed in January 2026! Outdoor and hobby needs are also well covered with a two-car attached garage, plus a 24' x

    Jennifer Hoffman DM Properties & Associates

    3673 Farm Lake Dr SW, Concord, NC 28027
  • /31

    $535,000

    • 5 Beds
    • 3 Baths
    • 2,728 Sq Ft

    2677 Kinsley Ave NW, Concord, NC 28027

    Back on the market due to no fault of the sellers. This move-in ready home you’ve been waiting for in the highly desired Laurel Park community! Step inside to find wide-plank LVP flooring throughout the main living areas, filling the home with a bright, open, and inviting feel. The spacious kitchen features Corian countertops, a bar seating area, abundant cabinet space with elegant crown molding,

    Kay Morrison Morrison Group LLC

    2677 Kinsley Ave NW, Concord, NC 28027
  • /36

    $389,900

    • 3 Beds
    • 3 Baths
    • 1,979 Sq Ft

    847 Kathryn Dr SE, Concord, NC 28025

    WELCOME to this lovely, well maintained ALL BRICK home on a beautiful lot, fully finished basement that could easily be used as an apartment if one should desire! Like NEW appliances which ALL convey with exception of washer/dryer in basement laundry room. Cook glass stovetop has a convenient air fryer option to eliminate messy kitchen frying endeavors! The ROOF, which are architectural shingles

    Robin Patterson Roby Realty Inc

    847 Kathryn Dr SE, Concord, NC 28025
  • /44

    $495,000

    • 4 Beds
    • 2.5 Baths
    • 2,885 Sq Ft

    1777 Mill Creek Ln SW, Concord, NC 28025

    Superbly maintained home that checks off everything on your list! Enjoy a Primary Bedroom with Ensuite on the main level, brand new carpet, fresh interior paint, a screened-in porch, huge patio, and a fenced yard. The spacious kitchen features 42” espresso cabinets, granite countertops, stainless steel appliances, a gas range, a walk-in pantry, and a large island perfect for entertaining. The

    Matt Lake-Nestor EXP Realty LLC Ballantyne

    1777 Mill Creek Ln SW, Concord, NC 28025
  • /14

    $490,000

    • 4 Beds
    • 2.5 Baths
    • 2,438 Sq Ft

    5820 Wingate Way NW, Concord, NC 28027

    Welcome to Carriage Downs – one of Concord’s most sought-after neighborhoods!This beautiful full-brick home sits on a private .90-acre cul-de-sac lot with a side-load garage and a classic rocking-chair front porch perfect for morning coffee or evening relaxation. Inside, you’ll find formal living and dining rooms, a spacious great room with a cozy fireplace, and a bright kitchen featuring

    Terrance Evins Underwood Properties 2 LLC

    5820 Wingate Way NW, Concord, NC 28027
  • /37

    $389,900

    • 4 Beds
    • 2.5 Baths
    • 2,008 Sq Ft

    4294 Kiser Woods Dr SW, Concord, NC 28025

    This stunning home offers the perfect blend of comfort, style, and convenience. Step inside to find a spacious open floor plan featuring a bright living area, modern kitchen, stainless steel appliances, and a large island perfect for gatherings. The primary suite provides a peaceful retreat with a walk-in closet and spa-like ensuite bath. Enjoy the outdoors with a private backyard and patio—ideal

    Tara Kimble G2 Real Estate

    4294 Kiser Woods Dr SW, Concord, NC 28025
  • /27

    $605,000

    • 4 Beds
    • 2.5 Baths
    • 3,409 Sq Ft

    2055 Solway Ln, Charlotte, NC 28269

    PRICE IMPROVEMENT! Welcome to this spacious four-bedroom home in the desirable Highland Creek neighborhood. The main level features an open floor plan with abundant living space, ideal for entertaining or everyday living. A dedicated office and versatile flex room just off the kitchen provide plenty of options for work, play, or hobbies. Upstairs, you’ll find four generously sized bedrooms and a

    Amy Worland Southern Homes of the Carolinas, Inc

    2055 Solway Ln, Charlotte, NC 28269
  • /14

    $500,000

    • 2 Beds
    • 1 Bath
    • 912 Sq Ft

    12 Bost Ave SW, Concord, NC 28027

    No HOA! Home completely redone in the last couple of years, including new floors, roof, siding, windows and HVAC. Property incudes new !0' x 20' shed and a 40' x 30' 3-bay wired garage/workshop all on approximately 0.25 acre. Must see to appreciate!

    Erin Ferguson LPT Realty, LLC

    12 Bost Ave SW, Concord, NC 28027
  • /35

    $495,000

    • 4 Beds
    • 2.5 Baths
    • 2,956 Sq Ft

    3556 Catherine Creek Place, Davidson, NC 28036

    BACK ON MARKET & BETTER THAN EVER!!This stunning, fully refreshed home is back and priced to move fast! Featuring a massive open-concept layout, this property is designed for entertaining. The upgraded gourmet kitchen offers ample cabinetry and comes with a brand-new stainless-steel Whirlpool appliance package (refrigerator, stove, dishwasher) upon closing. Kitchen flows effortlessly into

    Leslie Christ NorthGroup Real Estate LLC

    3556 Catherine Creek Place, Davidson, NC 28036
  • /20

    $299,000

    • 3 Beds
    • 1.5 Baths
    • 1,078 Sq Ft

    1235 Winecoff School Rd, Concord, NC 28027

    Well-kept 3-bedroom, 1.5-bath home featuring a stylish kitchen with granite countertops and stainless steel appliances. Enjoy cozy evenings by the fireplace in the inviting living room. The spacious deck overlooks a flat, private backyard—perfect for entertaining or relaxing outdoors. A large garage offers plenty of storage and parking space. Conveniently located just minutes from I-85 and

    Joseph Hartsell Keller Williams South Park

    1235 Winecoff School Rd, Concord, NC 28027
  • /43

    $374,000

    • 3 Beds
    • 2 Baths
    • 1,342 Sq Ft

    4499 Hunton Dale Rd NW, Concord, NC 28027

    Beautiful ranch in sought-after Hunton Forest! This 3-bedroom, 2-bath home offers an open layout with kitchen, dining, and living spaces flowing together. Recent updates include fresh paint (2022), new flooring (2023), new carpet in the front bedroom (2025), upgraded light fixtures and ceiling fans, and custom wall-to-wall storage cabinets in the front room (2023). Sliding doors open to an

    Vito DiGiorgio One Community Real Estate

    4499 Hunton Dale Rd NW, Concord, NC 28027
  • /31

    $520,000

    • 5 Beds
    • 2.5 Baths
    • 2,748 Sq Ft

    5899 Crimson Oak Ct, Harrisburg, NC 28075

    Welcome to this beautiful 5-bedroom, 2.5-bath home nestled on a cul-de-sac in the desirable Rocky River subdivision of Harrisburg. Step inside to the gorgeous formal living and dining rooms with gleaming hardwood floors and decorative molding. The cozy family room features a gas fireplace and abundant windows for lots of natural light. The updated chef’s kitchen boasts stainless steel appliances,

    Maggie Laskowski Keller Williams Lake Norman

    5899 Crimson Oak Ct, Harrisburg, NC 28075
  • /42

    $595,000

    • 4 Beds
    • 3 Baths
    • 3,018 Sq Ft

    1051 Michael Ave, Concord, NC 28025

    Welcome to this remarkable full brick home with so much character and charm! Located on over an acre flat lot with the primary bedroom and two others located on the main floor. This home has been extensively updated with high quality features and workmanship. The eat-in kitchen offers beautiful new cabinet doors and drawers, backsplash, quartz countertops, new dishwasher, new gas range with

    Marcia Liedle Howard Hanna Allen Tate Mooresville/LKN

    1051 Michael Ave, Concord, NC 28025
  • /32

    $365,000

    • 3 Beds
    • 2.5 Baths
    • 2,105 Sq Ft

    3987 Tersk Dr, Midland, NC 28107

    Welcome to this stunning home in highly sought-after Fox Creek! The open floor plan highlights a spacious family room, dining area, and an impressive kitchen with a custom island, quartz countertops, designer backsplash, and stainless steel appliances. The main-level flex space offers endless possibilities—ideal for a keeping room, home office, or formal dining. Upstairs you’ll find three

    Dina Sosa Berkshire Hathaway HomeServices Carolinas Realty

    3987 Tersk Dr, Midland, NC 28107
  • /47

    $359,900

    • 3 Beds
    • 2.5 Baths
    • 1,861 Sq Ft

    783 Union St S, Concord, NC 28025

    Charming townhome offers 3 bedrooms, 2.5 bathrooms, and a 1-car garage with timeless updates and inviting spaces. Main level features a primary suite with updated walk-in shower (2018), 1.5 bathrooms, and open living areas highlighted by plantation shutters, hard-surface flooring, and a cozy gas fireplace. Kitchen refreshed in 2024 with new cabinets, counters, and modern lighting. Upstairs

    Todd Long Keller Williams Unified

    783 Union St S, Concord, NC 28025
  • /37

    $485,000

    • 3 Beds
    • 2.5 Baths
    • 2,274 Sq Ft

    5361 Brickyard Terrace Ct, Concord, NC 28027

    Back on the market. Buyer terminated with no cause. No known issues with Inspection or appraisal. To our knowledge the buyer simply changed their mind.This Gorgeous All Brick home is Ready to go! Enjoy the Primary Bedroom on the Main Floor with a large walk in shower and built in closet system in the Large Walk In Closet. The Great Room has wonderful built in bookcases and a Gas Log Fireplace.

    Jenny Kritikos Better Real Estate Carolina

    5361 Brickyard Terrace Ct, Concord, NC 28027
  • /34

    $605,000

    • 4 Beds
    • 3.5 Baths
    • 3,235 Sq Ft

    1576 Abercorn St NW, Concord, NC 28027

    Discover exceptional value in this beautifully maintained 4-bedroom home with a large rec room in the highly sought-after Moss Creek community. Now offered below a recent appraisal, this home has also been professionally inspected with recommended repairs completed, giving buyers true peace of mind.Step inside to a bright, open layout designed for both everyday living and effortless

    Jim Doherty Southern Homes of the Carolinas, Inc

    1576 Abercorn St NW, Concord, NC 28027
  • /48

    $924,900 Open House 4/12

    • 3 Beds
    • 3.5 Baths
    • 3,764 Sq Ft

    15655 Highway 601, Midland, NC 28107

    This beautiful all-brick home is a true retreat, nestled on 6 acres of a tranquil wooded estate. Designed for a life of comfort and elegance, this home's interior is filled with abundant natural light. It offers expansive living spaces, a modern kitchen, and features stunning details like traditional hardwood floors and distinctive moldings. Upstairs, the private quarters include a grand primary

    Matt Swyt Thomas Property Group, Inc.

    15655 Highway 601, Midland, NC 28107
  • /46

    $2,000,000

    • 4 Beds
    • 7 Baths
    • 6,321 Sq Ft

    10150 Enclave Cir, Concord, NC 28027

    Set behind the gates of The Enclave, one of Concord’s most exclusive communities, this stunning custom stone and stucco residence rests on over two private acres framed by mature, scenic trees. Thoughtfully designed with soaring ceilings, exquisite moldings, and sun-drenched living spaces, the home combines timeless elegance with modern comfort. A finished basement creates an inviting space for

    Scott Cervo Ivester Jackson Christie's

    10150 Enclave Cir, Concord, NC 28027
  • /38

    $460,000 Open Sat 3PM - 5PM

    • 2 Beds
    • 2 Baths
    • 1,913 Sq Ft

    5219 Larewood Dr, Charlotte, NC 28215

    Better than new and move-in ready! Gently used as a second home and thoughtfully upgraded, this meticulously maintained property offers the perfect blend of comfort, style, and convenience. Welcome to The Enclave at Holcomb Woods, a sought-after 55+ active adult community known for its low-maintenance lifestyle, resort-style amenities, and prime location. This upgraded 2-bedroom, 2-bath home with

    John Ginolfi Costello Real Estate and Investments LLC

    5219 Larewood Dr, Charlotte, NC 28215
  • /46

    $896,500

    • 4 Beds
    • 3 Baths
    • 2,744 Sq Ft

    997 S Skyland Dr, Mount Pleasant, NC 28124

    NEW PRICE POINT!!!!! Where Modern Farmhouse Living Meets Untamed Carolina Beauty! Welcome to 997 Skyland Drive S a hidden haven tucked away on 9 acres of lush, wooded tranquility just moments from the charm of downtown Mount Pleasant. This thoughtfully designed modern farmhouse offers the best of both worlds: total seclusion and serenity, paired with quick access to dining, shops, and small-town

    Nelvia Bullock COMPASS

    997 S Skyland Dr, Mount Pleasant, NC 28124
  • /26

    $579,900

    • 5 Beds
    • 4 Baths
    • 3,266 Sq Ft

    9562 Indian Beech Ave NW Unit 291, Concord, NC 28027

    PRICE REDUCTION! HIGHLY MOTIVATED! A must see three story home with downstairs bedroom & full bath!! Located in a neighborhood with excellent amenities and access to both an Elementary & Middle School. There's a spacious bonus room above the garage and the primary suite has a large bath and walk-in, with a privacy toilet. Third floor offers a full bath with two spaces for multiple uses... sky is

    Kristin Tiburzi The Plumb Line Realty, Inc.

    9562 Indian Beech Ave NW Unit 291, Concord, NC 28027
  • /28

    $1,029,500

    • 6 Beds
    • 4.5 Baths
    • 4,880 Sq Ft

    4134 Burnage Hall Rd, Harrisburg, NC 28075

    Forget the checklist. This one rewrites it.Nearly 4,900 sq ft of full-brick perfection in Abbington —Harrisburg's most coveted address. 6 beds | 4.5 baths | main-level in-law suite | renovated kitchen | 2 white stone fireplaces | spa primary suite with custom closets.The big stuff? Done. New roof, tankless water heater, encapsulated crawl space, updated baths, 3-car garage + EV charging.

    Panna Patel Epique Inc.

    4134 Burnage Hall Rd, Harrisburg, NC 28075
  • /23

    $425,000

    • 3 Beds
    • 3.5 Baths
    • 2,725 Sq Ft

    1930 Wilburn Park Ln NW, Charlotte, NC 28269

    *Cozy 3 bedroom, 3 1/2 bathroom home with finished basement*This charming home has all the space you need and the warm, inviting feel you've been looking for. The main floor features a comfortable living room, a bright kitchen and a dining room perfect for dinners. The primary bedroom on the second floor comes with its own private bathroom and walk in closet, 2 additional bedrooms are

    Tina Kirby Wallace Realty

    1930 Wilburn Park Ln NW, Charlotte, NC 28269
  • /48

    $635,000

    • 5 Beds
    • 3 Baths
    • 4,012 Sq Ft

    6401 Rocky Wagon Ln SW, Concord, NC 28025

    Welcome to 6401 Rocky Wagon Ln, located in the highly sought-after Haven at Rocky River community. Offering over 4,000 square feet of living space, this home has an incredible floor plan designed for both entertaining and privacy. From the moment you arrive, the welcoming front porch sets the tone for what’s inside. Step into the main level and you’ll immediately notice the soaring 10-foot

    Angie Miller Genesis Realty Company

    6401 Rocky Wagon Ln SW, Concord, NC 28025
  • /35

    $1,230,000

    • 4 Beds
    • 6 Baths
    • 9,799 Sq Ft

    7787 Us Highway 601 S, Concord, NC 28025

    Back on Market at no fault of seller. Introducing a one-of-a-kind, custom-designed brick estate—expertly built and lovingly maintained by its original owner. This distinguished home offers a rare blend of craftsmanship, comfort, and entertainment-ready spaces, all nestled on an expansive lot. Step inside to discover refined living spaces including a private library, a richly appointed billiard

    Erica Strong Mark Spain Real Estate

    7787 Us Highway 601 S, Concord, NC 28025
  • /48

    $499,000

    • 4 Beds
    • 2.5 Baths
    • 2,757 Sq Ft

    4227 Kiser Woods Dr SW, Concord, NC 28025

    Beautifully updated 4-bedroom, 4-bath home with approximately 2800 sqft of living space. Built in 2001 on a half-acre lot, this brick residence offers a finished basement and an attached 2-car garage. Inside, the home features new flooring throughout, a kitchen with granite countertops and new appliances, and fully renovated bathrooms. Systems are in excellent condition with electric, water, gas

    Tracy Dowling Homecoin.com

    4227 Kiser Woods Dr SW, Concord, NC 28025
  • /40

    $650,000

    • 4 Beds
    • 3.5 Baths
    • 3,804 Sq Ft

    10997 Alabaster Dr, Davidson, NC 28036

    This BEAUTIFUL home offers 4 bedrooms, 3.5 baths and over 3,800 sq. ft of living space. Enjoy all the formals—living room, dining room, and family room—designed for gathering, relaxing, and making memories. The main level showcases a lovely 2 story foyer, gleaming hardwood floors with dual staircases. Front staircase upgraded to hardwood stairs. Spacious kitchen with an oversized island, serving

    Latricia Gilmore Carod Properties

    10997 Alabaster Dr, Davidson, NC 28036
  • /43

    $410,000

    • 3 Beds
    • 2 Baths
    • 1,705 Sq Ft

    123 Softwind Ln, Concord, NC 28025

    Custom-built well-kept all brick ranch overlooking a peaceful 1+acre lot. Living room opens to family dining room. Brick fireplace in den. Large eat-in kitchen with attached laundry room . All appliances remain along with furniture currently in the house. Spacious bedrooms. Two car garage has plenty of room for a work shop. Don't miss out on this gem in Far Away Place - peace & quiet yet still

    Debbi Little Craven & Company Realtors

    123 Softwind Ln, Concord, NC 28025
  • /28

    $245,000

    • 3 Beds
    • 2 Baths
    • 1,495 Sq Ft

    194 Cedar Dr NW, Concord, NC 28025

    Charming Vintage Bungalow. Step back in time and discover the character and warmth of this beautiful former mill house nestled in the Gibson Village neighborhood of Concord. Built with craftsmanship that stands the test of time, this 3-bedroom, 2-bath home offers classic details including high ceilings with original tongue and groove, original heart of pine wood floors, crown molding, large

    Mike Chisholm Howard Hanna Allen Tate Concord

    194 Cedar Dr NW, Concord, NC 28025
  • /47

    $1,300,000

    • 2 Beds
    • 2 Baths
    • 1,532 Sq Ft

    3369 Roberta Rd, Concord, NC 28027

    Discover this unique Concord property featuring a full-brick 2BR/2BA main home with lodge-style charm, hardwoods, tile, and stone accents. Enjoy the spacious covered front porch and an oversized back porch with fireplace and mounted TV. The fenced backyard offers a patio, gazebo, and a historic 1800s cabin relocated from downtown Concord. Car enthusiasts will love the expansive main garage with

    Marcus Moore Coldwell Banker Realty

    3369 Roberta Rd, Concord, NC 28027
  • /30

    $281,000

    • 3 Beds
    • 2.5 Baths
    • 1,519 Sq Ft

    1052 Mclain Rd, Kannapolis, NC 28083

    Seller offering $4,000 in credits for rate buy down, and preferred lender offering an additional $2,000 in credits. Home also qualifies for the "NC 1st Home Advantage Down Payment" program, which provides up to $15,000 in down payment assistance for eligible buyers. Minutes from downtown Kannapolis and all it has to offer, new baseball field, downtown revitalization with great shopping and dining

    Amir Habet Keller Williams South Park

    1052 Mclain Rd, Kannapolis, NC 28083
  • /40

    $430,000

    • 4 Beds
    • 3 Baths
    • 2,691 Sq Ft

    2605 Lamplighter Dr, Kannapolis, NC 28081

    Welcome to 2605 Lamp Lighter Drive Located in popular Lantern Green in lower Kannapolis. This spacious 4 bedroom, 3 bath two story home offers a guest bedroom room or office and full bath on the main level in addition to a living room, family room with gas log fireplace, kitchen with oversized granite counter top for additional bar seating, dining area and dining room and laundry room. The

    Tim Jung Call It Closed International Inc

    2605 Lamplighter Dr, Kannapolis, NC 28081
  • /37

    $575,000

    • 3 Beds
    • 2 Baths
    • 1,974 Sq Ft

    471 Lucky Dr NW, Concord, NC 28027

    Welcome to this premier homesite in Red Hill—a charming Niblock community rich in history. Backing to the scenic Carolina Thread Trail, this 2023-built ranch, the Avalon, is better than new and filled with thoughtful upgrades. Step inside to find 10-foot ceilings, oversized windows, and a bright, open-concept layout that seamlessly blends comfort and style. This 3-bedroom 2 bath, split-bedroom

    Amy Evans Howard Hanna Allen Tate Concord

    471 Lucky Dr NW, Concord, NC 28027
  • /48

    $680,000

    • 5 Beds
    • 4 Baths
    • 3,091 Sq Ft

    1516 Respect St NW, Concord, NC 28027

    This brand new 5 beds and 4 full bathrooms house that has a lot to offer. Not to mention LVP thought whole first floor, large upgraded quartz islander in the center of kitchen with an open floor plan. Soft pull drawers, butler's pantry, spacious pantry, gas cooktop with vent-out hood provide you a great place to entertain your guests and family. A bedroom with a full bathroom is perfect for

    Maggie Li Helen Adams Realty

    1516 Respect St NW, Concord, NC 28027

Showing Results 361 - 400, Page 10 of 18

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