Caldwell, NC Homes for Sale

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  /19

  $340,000

  • 2 Beds
  • 2 Baths
  • 974 Sq Ft

  770 N Davidson St Unit 1202, Charlotte, NC 28202

  Welcome to this stunning 2-bedroom, 2-bathroom condo in the vibrant heart of Uptown Charlotte! This meticulously maintained 975-square-foot residence offers the perfect blend of modern elegance and urban convenience. Step inside to discover gleaming hardwood floors that flow seamlessly throughout the open-concept living spaces, complemented by abundant natural light that adds warmth and charm to

  Aubrey Grier Dickens Mitchener & Associates Inc

  770 N Davidson St Unit 1202, Charlotte, NC 28202
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  /6

  $1,250,000 New Construction

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

  1115 West Blvd, Charlotte, NC 28208

  This custom-built 3,000 sq. ft. home features a carefully crafted floor plan, showcasing premium finishes and exceptional functionality. It is designed to be constructed on a prime lot located less than 3 miles from uptown, providing a picturesque view of the Charlotte skyline and is under 5 miles from Charlotte Douglas International Airport. This spacious lot offers unparalleled convenience and

  Tanya Carlson IT Realty, LLC

  1115 West Blvd, Charlotte, NC 28208
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  /5

  $270,000

  • 3 Beds
  • 2 Baths
  • 1,311 Sq Ft

  2431 Briargrove Dr, Charlotte, NC 28215

  BRICK HOUSE UNDER 290,000 IS HARD TO FIND IN CHARLOTTE. FENCED IN WITH 2 SHED IN THE BACKYARD. LARGE EAT-IN KITCHEN AND LARGE LIVING ROOM WITH CEILING FANS. FIX TO HOW YOU WANT.

  Holly Sor Coldwell Banker Realty

  2431 Briargrove Dr, Charlotte, NC 28215
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  /4

  $591,000 New Construction

  • 2 Beds
  • 2.5 Baths
  • 1,337 Sq Ft

  614 E 16th St, Charlotte, NC 28206

  Sophisticated, urban, and beautifully balanced. This townhome awaits you. This modern residence spans over 1,400 square feet and offers two bedrooms, two and a half bathrooms, and double-car garage. The living room features an inviting open concept with high-end features. The kitchen is equipped with a large island for entertaining. Ideally located within minutes of Uptown Charlotte offering

  Matthew Paul Brown COMPASS

  614 E 16th St, Charlotte, NC 28206
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  /2

  $1,299,900 New Construction

  • 5 Beds
  • 3 Baths
  • 3,081 Sq Ft

  1810 Ferguson Ct, Charlotte, NC 28205

  Experience the pinnacle of refined luxury in the "Maple Expanded" by the acclaimed VISTA HOMES Charlotte, featuring bespoke interiors curated by Stephanie Calderon Interior Design. This 5BR/3BA masterpiece is defined by soaring 10ft ceilings and expansive windows that bathe the open-concept layout in natural light. Flawless craftsmanship shines through elegant coffered ceilings and designer

  Linda Goss EXP Realty LLC Ballantyne

  1810 Ferguson Ct, Charlotte, NC 28205
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  /36

  $385,000

  • 2 Beds
  • 2 Baths
  • 1,052 Sq Ft

  2338 Yadkin Ave Unit D407, Charlotte, NC 28205

  Discover the perfect blend of industrial charm and modern comfort in the heart of NoDa. This stylish condo showcases 10-foot ceilings, polished concrete floors, and a light-filled open-concept layout ideal for entertaining and everyday living. With two spacious bedrooms and two full baths, the home offers flexibility for living, working, and hosting with ease. The open kitchen features granite

  Marissa McAmis Realty ONE Group Select

  2338 Yadkin Ave Unit D407, Charlotte, NC 28205
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  /4

  $614,900 New Construction

  • 2 Beds
  • 2 Baths
  • 1,356 Sq Ft

  616 E 16th St, Charlotte, NC 28206

  Sophisticated, urban, and beautifully balanced. This townhome awaits you. This residence is an end unit townhome spans over 1,400 square feet and offers two bedrooms, two and a half bathrooms, and double-car garage. The living room features an inviting open concept with high-end features. The kitchen is equipped with a large island for entertaining. Ideally located within minutes of Uptown

  Matthew Paul Brown COMPASS

  616 E 16th St, Charlotte, NC 28206
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  /32

  $380,000

  • 2 Beds
  • 2.5 Baths
  • 992 Sq Ft

  1519 Briar Creek Rd Unit B, Charlotte, NC 28205

  This warm & inviting modern townhome is ideally located in the Midwood/Commonwealth Park area! This beautifully renovated end unit townhome blends Craftsman inspired interiors with fresh modern influences. Featuring an open floorplan with luxury plank flooring, sleek quartz countertops & a shiplap-accented wood-burning fireplace, this home offers a welcoming yet sophisticated atmosphere. The

  Michael Nester Dickens Mitchener & Associates Inc

  1519 Briar Creek Rd Unit B, Charlotte, NC 28205
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  /12

  $599,990 New Construction

  • 3 Beds
  • 2.5 Baths
  • 2,317 Sq Ft

  2418 Crestview Dr, Charlotte, NC 28216

  Welcome to the Crestview Duets — a rare opportunity to own a modern, design-forward home just minutes from Uptown Charlotte. This 3-bedroom, 2.5-bath residence blends bold contemporary exterior architecture with upscale interior finishes across an open 2,300-sq-ft layout. The home features a dramatic two-story stairway framed by oversized windows that flood the interior with natural light. The

  Brian Jordan Better Homes and Gardens Real Estate Paracle

  2418 Crestview Dr, Charlotte, NC 28216
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  /35

  $425,000

  • 3 Beds
  • 2 Baths
  • 1,120 Sq Ft

  1200 Fontana Ave, Charlotte, NC 28206

  Welcome to 1200 Fontana Avenue — a charming one-story, 3-bedroom, 2-bath ranch nestled on a corner lot just outside Uptown in the Greenville neighborhood. Relax on the quaint front porch while taking in views of the Uptown skyline. Inside, the home offers an open-concept layout filled with natural light, neutral paint colors, laminate flooring, and tasteful updates throughout. The spacious

  Nick Hill Howard Hanna Allen Tate Southpark

  1200 Fontana Ave, Charlotte, NC 28206
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  /29

  $439,000

  • 2 Beds
  • 1 Bath
  • 1,250 Sq Ft

  301 W 10th St Unit 206, Charlotte, NC 28202

  Light filled second floor unit in one of Charlotte's most unique buildings located in the heart of Fourth Ward. Built in 1929 The Poplar is representative of prewar construction found in other great cities. The concrete and steel post and beam construction allows for flexible interior configurations since most walls are not load bearing. The majority of units have been modified to match each

  Thomas Golder Tom Golder Reatly

  301 W 10th St Unit 206, Charlotte, NC 28202
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  /7

  $320,000

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

  1524 Whisnant St, Charlotte, NC 28206

  MAJOR PRICE DROP! Priced below the tax value to facilitate "ready, willing and able buyer!" This listing is all about seizing an opportunity in an area that is still a diamond in the rough! The Greenville neighborhood is located just minutes away from Uptown Charlotte and a stone's throw away from the highly sought after Oaklawn Subdivision. This 4 br/2 full bath, partially brick ranch house is

  Theautry Green Green Group Realty of the Carolinas LLC

  1524 Whisnant St, Charlotte, NC 28206
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  /34

  $354,990 New Construction

  • 3 Beds
  • 3.5 - 5 Baths
  • 1,601 Sq Ft

  Clarendon Plan at Northerly, Charlotte, NC 28206

  Welcome to Ryan Homes at Northerly located in Charlotte's popular North End! The Clarendon floorplan is a spacious 3-story townhome design. The lower level is a 1-car garage. The main level is an open concept with a family room, kitchen, dining room, and powder room. On the 3rd-floor you'll find the Owner's suite with an ensuite bath plus an additional bedroom and bath. At Northerly, you'll be

  Ryan Homes Builder

  3114 Coquina Ln Unit 36143304, Charlotte, NC 28206
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  /24

  $399,900

  • 2 Beds
  • 2.5 Baths
  • 1,010 Sq Ft

  416 Queens Rd Unit 19, Charlotte, NC 28207

  Charming 2 bedroom top story unit on Queens Road in the heart of the sought-after Myers Park neighborhood! Very close proximity to renowned hospitals and easy commute to Uptown! Hardwood floors in main living area crown molding, fireplace w/gas logs, half bath on main, updated kitchen with stainless appliances, Two private outdoor terraces—one on each floor (one off the Primary BR and the other

  Donald Newell David Hoffman Realty

  416 Queens Rd Unit 19, Charlotte, NC 28207
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  /32

  $604,000 New Construction

  • 3 Beds
  • 2.5 Baths
  • 1,631 Sq Ft

  5310 Lantana Ave, Charlotte, NC 28205

  Charming home in the heart of Charlotte. Welcome to this beautiful single-family home located in one of Charlottes hot neighborhoods. Featuring an inviting open floor plan, this home is designed for both everyday living and entertaining. The kitchen is the centerpiece, complete with an island, ample counter space, and seamless flow into the dining and living area. The primary suite offers a

  Richard Haake Lionheart Real Estate LLC

  5310 Lantana Ave, Charlotte, NC 28205
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  /48

  $475,000

  • 5 Beds
  • 2.5 Baths
  • 2,006 Sq Ft

  3612 Winterfield Place, Charlotte, NC 28205

  Newly renovated, full brick, move in ready home with a great yard close to Uptown, NoDa, Plaza Midwood, and South End. Winterfield is an established neighborhood with no HOA, and this is a larger house in the neighborhood that has been beautifully renovated! 5 bedrooms, 2000 sqft, and a split level layout would work great as an AirB&B, short term rental, or a family home. Centrally located

  Steve Zink Fathom Realty NC LLC

  3612 Winterfield Place, Charlotte, NC 28205
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  /20

  $349,990 New Construction

  • 3 Beds
  • 2.5 Baths
  • 1,573 Sq Ft

  2234 Gladwyne Place, Charlotte, NC 28269

  Spacious, open concept kitchen with a centered island sits overlooking the airy family room and breakfast room Main level powder room and coat closet in entryway with 9 foot ceilings The second level includes two secondary bedrooms, a secondary bathroom, and laundry The large primary suite boasts a spacious walk-in closet and and bathroom with a dual vanity, water closet, and walk-in shower Home

  DRB Homes Builder

  2234 Gladwyne Place, Charlotte, NC 28269
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  /2

  $239,000

  • Land
  • 0.2 Acre
  • $1,195,000 per Acre

  3400 Marvin Rd, Charlotte, NC 28211

  LOCATION-LOCATION-LOCATION..Awesome Opportunity to Build in The Grier Heights neighborhood!The information contained herein is furnished by the owners to the best of their knowledge, but is subject to verification by the Purchaser and agent assumes no responsibility for corrections.Contact me for more information.

  Whitney Williams Whitney Williams Realty

  3400 Marvin Rd, Charlotte, NC 28211
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  /34

  $445,000

  • 4 Beds
  • 2.5 Baths
  • 2,149 Sq Ft

  4920 Rockwood Rd, Charlotte, NC 28216

  Welcome to 4920 Rockwood Dr, Charlotte, NC-where comfort meets modern living! Step into this beautifully maintained 4- bedroom, 2.5 bath home offering 2149 sq ft. of like new space designed with todays lifestyle in mind. Freshly painted and featuring new flooring on the main level, this home feels brand new from the moment you walk in. Enjoy an open floor plan that's perfect for entertaining, a

  Monet Allen Blueprint Property Group LLC

  4920 Rockwood Rd, Charlotte, NC 28216
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  /6

  $498,000 New Construction

  • 3 Beds
  • 2.5 Baths
  • 2,000 Sq Ft

  4634 Dogwood Place, Charlotte, NC 28212

  New Construction. Discover your dream home in one of Charlotte’s fastest-growing neighborhoods! This newly built single family townhome is perfectly located in the heart of 28212—just 15 minutes from Uptown and within walking distance to restaurants, grocery stores, and more. Don’t miss your chance to own in this up-and-coming area while prices are still affordable. Modern living, prime location,

  Arlesia Royal Lifestyle International Realty

  4634 Dogwood Place, Charlotte, NC 28212
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  /24

  $175,000

  • 1 Bed
  • 1 Bath
  • 718 Sq Ft

  638 Chipley Ave Unit 7, Charlotte, NC 28205

  Welcome to 638 Chipley Ave #7 in Birch Landing — a distinctive two-story condo offering style, flexibility, and an unbeatable location just minutes from Uptown Charlotte. This 1-bedroom, 1-bath home with loft space features a layout rarely found in the community, with an open main level and an upper-level retreat that provides separation, privacy, and versatility. The loft adds valuable flex

  Maria Richardson Coldwell Banker Realty

  638 Chipley Ave Unit 7, Charlotte, NC 28205
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  /27

  $1,500,000 Pre-Foreclosure

  • 20 Beds
  • 10 Baths
  • 9,180 Sq Ft

  2336 Julia Ave, Charlotte, NC 28206

  This 10-unit multifamily asset presents a clean lease-up opportunity in North Charlotte with immediate operational upside. The property is currently ~50% occupied, with four of five vacant units in rent-ready condition and one remaining unit requiring renovation, allowing you to drive near-term NOI growth with limited CapEx needs. All units are 2BR/1.5BA townhome-style layouts averaging ~918 SF,

  Zach Britt Britt Commercial Real Estate, LLC

  2336 Julia Ave, Charlotte, NC 28206
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  /18

  $354,990

  • 1 Bed
  • 1 Bath
  • 746 Sq Ft

  333 W Trade St Unit 905, Charlotte, NC 28202

  Welcome to the 9th floor of Charlotte’s Iconic Trademark building—where style, skyline, and serenity converge.This beautifully appointed residence offers an unobstructed front-row seat to breathtaking sunset panoramas, BB&T Ballpark, and firework displays from the comfort of your living room.Step into an open-concept floor plan flooded with natural light and accentuated by floor-to-ceiling

  Irina Lolla Realty One Group Revolution

  333 W Trade St Unit 905, Charlotte, NC 28202
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  /27

  $530,000

  • 3 Beds
  • 2 Baths
  • 1,588 Sq Ft

  931 Hickory Nut St, Charlotte, NC 28205

  Welcome Home! JUST REDUCED! Move in ready, updated full-brick three bedroom, two bathroom home is wonderfully located in booming Echo Hills neighborhood. Large, fenced-in backyard. Updated kitchen, bathrooms, energy efficient windows, granite countertops and architectural shingle roof. Updated HVAC system (All ductwork is new). Water heater 2020. Kitchen appliances replaced in 2024. Sellers

  Michael S Wong RE/MAX Executive

  931 Hickory Nut St, Charlotte, NC 28205
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  /36

  $294,900

  • 1 Bed
  • 2 Baths
  • 860 Sq Ft

  515 N Church St Unit 102, Charlotte, NC 28202

  Spectacular loft, historic neighborhood within historic building "The Frederick" Downtown. The character shows with softness wisdom & grace. Everything here is newly decorated colorful & a spacious lovely loft. 2 bathrooms, 1 bedroom, new ultra modern kitchen. The life of Charlotte you just walk outside the front door of the building & you're in the middle of downtown Charlotte. Wonderful walk in

  Daniel De La Portilla RE/MAX Executive

  515 N Church St Unit 102, Charlotte, NC 28202
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  /26

  $309,900

  • 3 Beds
  • 2 Baths
  • 1,325 Sq Ft

  7225 McTeal Place, Charlotte, NC 28262

  Charming brick and vinyl home with inviting front porch and great curb appeal. Inside, the great room features a vaulted ceiling and fireplace, creating a warm and open living space. The spacious eat-in kitchen is equipped with stainless steel appliances and a newly installed backsplash. The large vaulted primary suite offers a comfortable retreat. Enjoy outdoor living on the back deck with

  Hossein Mansourhosseinitari Stephen Cooley Real Estate

  7225 McTeal Place, Charlotte, NC 28262
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  /47

  $584,850

  • 2 Beds
  • 2.5 Baths
  • 1,602 Sq Ft

  1115 Greenleaf Ave Unit B, Charlotte, NC 28202

  Exciting Opportunity to Live, Work and Invest in Uptown Charlotte with a special "perk" for Buyer - 2026 Season Tickets for the Carolina Panthers with great end zone seats! This 3 story modern home is critically located between Uptown Charlotte Panthers and Knights stadiums and Frazier Park within it's two+ mile greenway. Capture the vibrancy of Uptown. Zoning allows for work/play living for your

  Carol Platt Premier Sotheby's International Realty

  1115 Greenleaf Ave Unit B, Charlotte, NC 28202
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  /44

  $590,000

  • 2 Beds
  • 2.5 Baths
  • 2,038 Sq Ft

  1651 Duckworth Ave, Charlotte, NC 28208

  Embrace urban sophistication in this modern townhouse located in the vibrant Seversville neighborhood of Charlotte. Featuring 2 bedrooms plus a flex/bonus room, 2.5 baths, and 2,038 square feet, it is one of the largest 2-bedroom townhouses on the market. Enjoy three outdoor spaces, rarely seen in a townhouse: a balcony off the living room, a backyard, and a giant rooftop terrace that spans the

  Joshua Drown The McDevitt Agency

  1651 Duckworth Ave, Charlotte, NC 28208
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  /21

  $235,000

  • 2 Beds
  • 2.5 Baths
  • 1,360 Sq Ft

  2425 Ryerson Ct, Charlotte, NC 28213

  Move-in ready end-unit townhome in a gated community near Uptown and UNC Charlotte! This beautifully updated home shows like a model and offers both style and convenience. The spacious main level features a bright great room with decorative molding, a gas fireplace, and a media niche, flowing seamlessly into the dining area and an all-white kitchen with abundant counter and cabinet space.

  Albert Johnson Keller Williams Unlimited

  2425 Ryerson Ct, Charlotte, NC 28213
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  /20

  $219,000

  • 2 Beds
  • 2 Baths
  • 1,155 Sq Ft

  7325 Michaels Landing Dr Unit B7325, Charlotte, NC 28262

  Charming 2-bedroom, 2-full-bath condo in a prime University Area location. This well-maintained home features arched doorways, crown molding, fresh paint, recessed lighting, and laminate wood flooring throughout. New appliances include Energy Star GE oven/stove, GE dishwasher, and microwave. Washer and dryer are included. Conveniently located near I-85, shopping, dining, and IKEA. Water is

  Chelsea McAllister Coldwell Banker Realty

  7325 Michaels Landing Dr Unit B7325, Charlotte, NC 28262
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  /20

  $229,000

  • 1 Bed
  • 1 Bath
  • 555 Sq Ft

  525 N Graham St Unit 3A, Charlotte, NC 28202

  Urban Retreat in Vibrant Fourth Ward!Discover your dream home, just a heartbeat from Uptown’s electric energy! This chic, 3rd-floor condo is tailor-made for those craving city life with a touch of charm. Imagine strolling to BofA Stadium for game day, catching live shows at NC Music Factory, or exploring the trendy vibes of Camp North End—all just steps from your door. The open-concept living

  Tara Diggs Howard Hanna Allen Tate Charlotte South

  525 N Graham St Unit 3A, Charlotte, NC 28202
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  /36

  $425,000

  • 3 Beds
  • 3.5 Baths
  • 2,283 Sq Ft

  9521 Munsing Dr, Charlotte, NC 28269

  Spacious, upgraded, like-new townhome in the amenity-rich Griffith Lakes community, conveniently located across from Davis Lake Shopping Center, and directly between 77 and 85! With dog park, playground, and access to Griffith Lake, you can live an outdoorsy lifestyle while enjoying a spacious home. A Wylie Elite model, 9521 Munsing Dr. features bonus office/flex space on the first floor, top-end

  Chad Floyd Keller Williams South Park

  9521 Munsing Dr, Charlotte, NC 28269
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  /18

  $495,000

  • 3 Beds
  • 2.5 Baths
  • 1,740 Sq Ft

  3108 Major Samuals Way, Charlotte, NC 28208

  Welcome Home to this beautifully updated 3-bedroom, 2.5-bath townhome located in highly desirable Bryant Park. Refreshed and move in ready, this home combines style & functionality with modern fixtures, fresh paint & easy living layout. Enjoy an open main level with updated flooring, seamless flow between kitchen, dining & living room. A convenient half bath for guests. The upper level includes a

  Christina Richard Helen Adams Realty

  3108 Major Samuals Way, Charlotte, NC 28208
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  /21

  $535,000

  • 2 Beds
  • 2.5 Baths
  • 1,680 Sq Ft

  139 S Bruns Ave, Charlotte, NC 28208

  WELCOME TO BRUNS. This spacious townhome, convenient to uptown has all it all. Enjoy bright, open spaces for effortless entertaining and everyday living. Relax and entertain on the main level with access to balcony. Primary suite upstairs accompanied by secondary bedroom with en-suite bath and laundry room. Extend entertaining outside on 4th floor rooftop with views of the city. Don't miss rear

  Robert Meyer Brandon Lawn Real Estate LLC

  139 S Bruns Ave, Charlotte, NC 28208
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  /32

  $275,000 Coming Soon

  • 3 Beds
  • 2 Baths
  • 1,468 Sq Ft

  3721 Bankston Place, Charlotte, NC 28215

  This 3-bedroom, 2-bath ranch style-home offers incredible potential for the right buyer. Nestled in a quiet, established Charlotte neighborhood, this property boasts a great layout and a large yard. While it does require a lot of TLC, it's a fantastic opportunity for investors or homeowners looking to create their own customized space. The home has a large fenced in backyard and concrete

  Lynnette Gearing Lantern Realty & Development, LLC

  3721 Bankston Place, Charlotte, NC 28215
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  /29

  $650,000

  • 3 Beds
  • 3.5 Baths
  • 2,082 Sq Ft

  1916 Lela Ave, Charlotte, NC 28208

  Charming home in Wesley Heights offers a welcoming blend of comfort and convenience in a prime Charlotte location. Featuring spacious living areas filled with natural light, an updated kitchen with modern finishes, and generously-sized bedrooms, this property is designed for everyday living. This is a well maintained home that is move-in ready. Conveniently located near shopping, dining, parks,

  Billy Shugart Jason Mitchell Real Estate

  1916 Lela Ave, Charlotte, NC 28208
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  /35

  $340,000

  • 1 Bed
  • 1 Bath
  • 790 Sq Ft

  210 N Church St Unit 2612, Charlotte, NC 28202

  Rise Above It All in Uptown Charlotte!Sitting high on the 26th floor of The Avenue, this chic condo delivers jaw-dropping skyline views through dramatic floor-to-ceiling windows. The open layout paired with brand-new laminate hardwoods creates a clean, modern vibe, and the private balcony sets the stage for unbeatable city sunsets.Inside, you’ll find a sleek kitchen with a breakfast bar,

  Matias Rojas Keller Williams Ballantyne Area

  210 N Church St Unit 2612, Charlotte, NC 28202
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  /12

  $525,000 New Construction

  • 3 Beds
  • 2.5 Baths
  • 1,700 Sq Ft

  2505 Elon St, Charlotte, NC 28208

  ***This property qualifies for 100% financing with no PMI and $20,000 in lender assistance for the following: Closing costs, rate buy down, or loan amount reduction.***Welcome to this stunning modern townhome nestled in the heart of Enderly Park-one of Charlotte’s fastest-growing and most vibrant neighborhoods! This stylish residence features sleek, contemporary design with clean lines,

  Marco Ozdemir NorthGroup Real Estate LLC

  2505 Elon St, Charlotte, NC 28208
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  /47

  $849,000

  • 3 Beds
  • 2.5 Baths
  • 2,124 Sq Ft

  1613 N Mcdowell St, Charlotte, NC 28205

  Newly built, move in ready home right in the heart of Optimist Park. This is a 3 bedroom, 2.5 bath house with a privately fenced in back yard and a nice open floor plan featuring a large kitchen and island for your entertainment space. This home has elegant features such as tall ceilings, walk in closet, gas fireplace, walk in shower and a dedicated office space. Uncompromising quality is evident

  Robbie Bendig Lantern Realty & Development LLC

  1613 N Mcdowell St, Charlotte, NC 28205
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  /34

  $1,250,000

  • 17 Beds
  • 11 Baths
  • 6,517 Sq Ft

  2427 Carmine St, Charlotte, NC 28206

  This 11-unit multifamily asset offers a straight-forward value-add opportunity in North Charlotte's path of growth. The property is currently ~45% occupied, with some vacancies immediately rent-ready and others requiring finishing the renovation plan to drive NOI growth. The unit mix consists of six 2BR/1BA units and 5 1BR/1BA units. Significant capital improvements have been carried out by

  Zach Britt Britt Commercial Real Estate, LLC

  2427 Carmine St, Charlotte, NC 28206

Showing Results 401 - 440, Page 11 of 18