Homes for Sale near Girls Preparatory School

• 

  

  

  /35

  $455,000

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

  4557 N Ravenwood Dr, Chattanooga, TN 37415

  **SELLER WILL CONTRIBUTE $9,700 TOWARDS BUYER'S CLOSING COSTS / 2-1 RATE BUYDOWN.** Welcome to this stunning property that has been completely remodeled from top to bottom, both inside and out! Nestled in a quiet and desirable neighborhood in the heart of Red Bank, this property offers the perfect blend of privacy and convenience. Just minutes away from Dayton Blvd, Hixson Pike, and all the

  David Hanson EXP Realty, LLC

  

  4557 N Ravenwood Dr, Chattanooga, TN 37415
• 

  

  

  /36

  $335,000

  • 2 Beds
  • 1 Bath
  • 1,012 Sq Ft

  209 Tremont St, Chattanooga, TN 37405

  You can't beat the location of this delightful home! Nestled within walking distance to the vibrant coffee shops, restaurants, and boutique shops that North Shore has to offer, you'll enjoy the best of urban living right at your doorstep.Set on a flat, well-maintained lot, this inviting 2-bedroom, 1-bath home features a spacious, fenced-in yard—perfect for outdoor gatherings or quiet

  Mac Hibbett Crye-Leike, REALTORS

  

  209 Tremont St, Chattanooga, TN 37405
• 

  

  

  /22

  $130,000

  • Land
  • 0.21 Acre
  • $619,048 per Acre

  0 W 39th St Unit 1507946, Chattanooga, TN 37409

  *Unbeatable Views in Southside!*Discover your own slice of paradise off W 39th St! This prime lot in the heart of Southside offers breathtaking views and is just a short walk from the Incline Railway and Mr. T's. A homesite has already been cleared, making it an ideal spot for your dream home. While utilities are not yet in place, access should be straightforward with nearby homes and an easement

  Carter Roberson RE/MAX Renaissance Realtors

  

  0 W 39th St Unit 1507946, Chattanooga, TN 37409
• 

  

  

  /18

  $261,500

  • 3 Beds
  • 2 Baths
  • 1,335 Sq Ft

  4805 Arrowhead Trail, Chattanooga, TN 37411

  Back on market. The lender declined the VA buyer's loan. His loss, your gain. Reduced to $261,500 with an $8,000. Diversity-Minority Tract (No Strings Attached) Grant. Low on funds, this grant will open the door for your like new home. Plus this place is fully furnished with $10,000.00 worth new furniture and appliances. Pride of workmanship equals quality. That what you'll be buying in this

  Robert Badgley Crye-Leike, REALTORS

  

  4805 Arrowhead Trail, Chattanooga, TN 37411
• 

  

  

  /23

  $129,900

  • 2 Beds
  • 2 Baths
  • 950 Sq Ft

  900 Mountain Creek Rd, Chattanooga, TN 37405

  Discover laid-back living in this updated end-unit condo located in Signal View, just minutes from North Chattanooga. This 2-bedroom, 2-bath home features new flooring and fresh paint throughout, as well as newer appliances, and a recently updated HVAC unit for peace of mind. The primary bedroom includes an en suite bath, while the spacious eat-in kitchen offers ample cabinetry for budding chefs.

  Nathan Torgerson Keller Williams Realty

  

  900 Mountain Creek Rd, Chattanooga, TN 37405
• 

  

  /19

  $223,500

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

  2011 Robbins St, Chattanooga, TN 37404

  All brick home on level lot occupied by one owner for over 40 years. The home has two bedrooms and small bonus room, living room, kitchen, and dining area with brick fireplace. Home has original hardwood floors in bedrooms. There is one full bath and half bath off the master bedroom. The half bath needs TLC. The carport, available for off street parking, is attached to the house. There is

  Joyce Smith Keller Williams Realty

  

  2011 Robbins St, Chattanooga, TN 37404
• 

  

  /15

  $775,000

  • Land
  • 0.09 Acre
  • $8,611,111 per Acre

  202 Frazier Ave, Chattanooga, TN 37405

  Seize this rare chance to develop in one of Chattanooga's most prestigious locations—steps from the iconic Walnut Street Bridge, which welcomes over 850,000 pedestrians annually. This premier lot offers unmatched visibility and foot traffic, making it the perfect setting for a high-end residential development.vBordered by the vibrant energy of Coolidge Park, Chattanooga's most beloved

  Mac Hibbett Crye-Leike, REALTORS

  

  202 Frazier Ave, Chattanooga, TN 37405
• 

  

  /25

  $265,000

  • 1 Bed
  • 1 Bath
  • 803 Sq Ft

  1445 Fagan St, Chattanooga, TN 37408

  Welcome to unit 305 at Fagan Flats! An extremely convenient one-bedroom apartment in the heart of downtown Chattanooga. Walking distance to shops/restaurants on Main Street and across the street from popular Montague Park. This lightly lived in, top floor, newly painted condominium was just built in 2022. Private balcony looking out into green space, quartz countertops, stainless steel

  Stephen O'Neil Keller Williams Realty

  

  1445 Fagan St, Chattanooga, TN 37408
• 

  

  /6

  $750,000

  • Land
  • 5 Acres
  • $147,059 per Acre

  0 Cash Canyon Rd Unit 1509275, Chattanooga, TN 37419

  Welcome to Lot 5, Riverside Canyon Estates, the last remaining waterfront property in this exquisite waterfront community crafted by Chattanooga's most respected design-build firm, A Perry Homes. This property comes with dock access and a dramatic view of the River Gorge. The properties at Riverside Canyon Estates are meticulously designed to seamlessly blend with the surrounding natural

  Susanne Flynn Flynn Realty

  

  0 Cash Canyon Rd Unit 1509275, Chattanooga, TN 37419
• 

  

  /28

  $205,000

  • 2 Beds
  • 1 Bath
  • 740 Sq Ft

  809 W 40th St, Chattanooga, TN 37410

  A cozy 2 bedroom 1 bath home located minutes from Tennessee Ave and St. Elmo. This property has been updated with new cabinets, luxury vinyl flooring, recess lighting, stainless steel appliances, new roof, and new water heater. Property has a large deck for entertaining. Property is conveniently located by a Public Library and Recreational Center.Owner/Agent

  Dena Smith Crye-Leike, REALTORS

  

  809 W 40th St, Chattanooga, TN 37410
• 

  

  /11

  $137,500

  • 3 Beds
  • 2 Baths
  • 1,152 Sq Ft

  1714 Stanfiel St, Chattanooga, TN 37406

  This 3-bedroom, 2-bathroom home with 1,152 sq. ft. has been recently rehabbed and is ready for its next owner! With fresh updates and tons of potential, it's a fantastic find at an unbeatable price. Highlights:Fresh paint & new flooring throughoutUpdated kitchen & bathrooms with modern touchesBright & inviting living spaceSpacious primary suite with private bathLarge yard for outdoor

  Winnie Paris Keller Williams Realty

  

  1714 Stanfiel St, Chattanooga, TN 37406
• 

  

  /15

  $245,000

  • 3 Beds
  • 1.5 Baths
  • 1,192 Sq Ft

  3300 Gleason Cir, Chattanooga, TN 37412

  Charming brick home located on a corner lot only minutes from interstate access, shopping, restaurants and so many other amenities offered by the City Chattanooga and East Ridge communities. Homeowner has recently spent 40k in a NEW HVAC system, NEW Plumbing, Water Heater and Kitchen appliances.

  Mike Chauncey Zach Taylor - Chattanooga

  

  3300 Gleason Cir, Chattanooga, TN 37412
• 

  

  /19

  $314,000

  • 1 Bed
  • 1 Bath
  • 699 Sq Ft

  804 Riverfront Pkwy, Chattanooga, TN 37402

  No rental restrictions per the deed. Rent this long term, mid term or short term (with proper permitting from City of Chattanooga is obtained)! Welcome to the Exchange At Cameron Harbor SOUTH! Commercial / Hotel Zoning. An incredible and rare opportunity to purchase a 1 Bedroom / 1 Bath condo without ANY rental restrictions. Perfect for AIRBNB, VRBO, or corporate leases, this unrestricted deed

  Ashley Burns Real Estate Partners Chattanooga LLC

  

  804 Riverfront Pkwy, Chattanooga, TN 37402
• 

  

  /11

  $245,000

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

  2512 Taylor St, Chattanooga, TN 37406

  Welcome to 2512 Taylor St! This single level 3 bedroom and 3 bathroom home has been fully renovated from the windows to walls! Enter into an open kitchen than spans out to 3 bedrooms with each bedroom having their own bathroom. New LVP Flooring, HVAC, Lighting & Electrical Panel.This home is move in ready and waiting for you to call it yours!

  Brittany Bennett Zach Taylor - Chattanooga

  

  2512 Taylor St, Chattanooga, TN 37406
• 

  

  /27

  $319,000 Open Sat 1PM - 5PM

  • 4 Beds
  • 2 Baths
  • 1,709 Sq Ft

  3904 Weldon Dr, Chattanooga, TN 37412

  Charming 4-Bedroom Home with Stunning Outdoor Features and Modern UpgradesWelcome to this beautifully maintained 4-bedroom, 2-bathroom home, nestled on a spacious 0.77-acre lot, offering a perfect blend of comfort and style. Located in a peaceful neighborhood, this home is designed for both relaxation and entertaining.Step outside to your private backyard oasis, complete with an above-ground pool

  Sandie Courtney Keller Williams Realty

  

  3904 Weldon Dr, Chattanooga, TN 37412
• 

  

  /16

  $200,000

  • 4 Beds
  • 2.5 Baths
  • 1,637 Sq Ft

  2803 N Chamberlain Ave, Chattanooga, TN 37406

  The area is very convenient to Downtown, East Ridge, Brainerd, East Brainerd, and Hixson. When you first drive up, It is very inviting to see the front porch enclosure, for you to unwind and enjoy your days and nights. Large Back Yard for summer picnics, As you enter the front door you are greeted as you walk across the original hardwood floors. the home has plenty of space-- 4bedrooms,2

  Louise Cowart Crye-Leike, REALTORS

  

  2803 N Chamberlain Ave, Chattanooga, TN 37406
• 

  

  /15

  $135,000

  • 3 Beds
  • 1 Bath
  • 1,336 Sq Ft

  4517 Highland Ave, Chattanooga, TN 37410

  Amazing opportunity in the Alton Park area to get into the Chattanooga housing market. Close to the historic and prized St. Elmo area and minutes to downtown Chattanooga. This is a solid investment opportunity if you are ready to take on a complete rehab or tear down the house and build new. The lot is large and the rear property lines are marked. Buyers should verify with the city if the

  Teresa Scheiwe Keller Williams Realty

  

  4517 Highland Ave, Chattanooga, TN 37410
• 

  

  /62

  $1,249,000

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

  1024 E Dallas Rd, Chattanooga, TN 37405

  Welcome to your Dream Home—an exquisite blend of elegance and modern sophistication. Originally built in 2008, this Luxurious Residence has undergone a complete renovation, showcasing high-end finishes and unparalleled craftsmanship throughout. Nestled in a prestigious neighborhood, this 4-bedroom, 3.5-bathroom home offers the perfect sanctuary for those who appreciate the finer things in

  Justin Tate Real Estate Partners Chattanooga LLC

  

  1024 E Dallas Rd, Chattanooga, TN 37405
• 

  

  /45

  $679,000

  • 3 Beds
  • 2 Baths
  • 2,186 Sq Ft

  208 Brelsford Rd, Chattanooga, TN 37405

  Rarely does a home with this level of character and breathtaking views come on the market! If you've been searching for a home that blends timeless craftsmanship with an unbeatable vantage point, look no further. This stunning craftsman bungalow welcomes you with a bright and airy living space, where natural light pours in through numerous windows, highlighting the classic brick fireplace as the

  Suzy Lawson Better Homes and Gardens Real Estate Signature Brokers

  

  208 Brelsford Rd, Chattanooga, TN 37405
• 

  

  /22

  $535,000

  • 5 Beds
  • 3 Baths
  • 2,948 Sq Ft

  2583 Highpoint Dr, Chattanooga, TN 37415

  2 HOMES ON 1 spacious 0.83-acre lot, priced BELOW appraisal, providing endless opportunities. The main home features 1,758 sq ft with 3 bedrooms, 2 bathrooms, a bonus room, and a generously sized backyard. The accessory dwelling unit (ADU) offers 1,190 sq ft with 2 bedrooms, 1 bathroom, a full-sized laundry room, hardwood floors, and its own driveway and parking area. This setup is perfect for

  Ariana Karimian Keller Williams Realty

  

  2583 Highpoint Dr, Chattanooga, TN 37415
• 

  

  /21

  $325,000

  • 3 Beds
  • 2.5 Baths
  • 1,650 Sq Ft

  1515 Old Ringgold Rd, Chattanooga, TN 37404

  This 3-bedroom, 2.5-bathroom home offers a perfect blend of historic charm and modern reliability. Recently remodeled and all major systems—including plumbing, electrical, HVAC, and roofing—are brand new, ensuring peace of mind for years to come. The spacious living room is filled with natural light, flowing into the dining room that's perfect for family meals or gatherings. The kitchen has been

  Gabe Cartwright Century 21 1st Choice Realtors

  

  1515 Old Ringgold Rd, Chattanooga, TN 37404
• 

  

  /16

  $110,000

  • 2 Beds
  • 2 Baths
  • 863 Sq Ft

  3800 Provence St, Chattanooga, TN 37411

  This condo is the perfect opportunity for first time homebuyers seeking affordable housing or investors looking for an immediate return. Two bedrooms, two bathrooms, in-house laundry, with open living and dining space. Just minutes to Downtown Chattanooga and interstate access. Currently leased for $800/month. Condo to be sold as-is.

  Ashley Ballezzi EXP Realty LLC

  

  3800 Provence St, Chattanooga, TN 37411
• 

  /2

  $215,000

  • 1,554 Sq Ft

  3237 Idlewild Dr, Chattanooga, TN 37411

  Cash-Flowing Duplex Opportunity!!Great Opportunity to own a duplex in the Brainerd Area. Located minutes away from downtown area all the major hospitals Erlanger, Memorial and ParkRidge and conveniently located in the Brainerd area. Fantastic Opportunity for investors looking to add to their rental portfolio. Each Unit features 1 bedroom and 1 bath. Living room, Kitchen, Laundry Room. Both units

  Tamekia Brewer Norluxe Realty Chattanooga llc

  

  3237 Idlewild Dr, Chattanooga, TN 37411
• 

  

  /54

  $225,000

  • 2 Beds
  • 2 Baths
  • 1,006 Sq Ft

  2006 Rawlings St, Chattanooga, TN 37406

  New Price!Step into your dream of modern, effortless living at 2006 Rawlings St, Chattanooga! This completely reimagined haven, practically brand new from the metal rooftop down to the stylish new patio, is not only stunning but also budget-friendly. Imagine sipping your morning coffee on the beautiful covered front porch, perfectly sized for rocking chairs, before whipping up culinary delights

  Laila Punjani United Real Estate Experts

  

  2006 Rawlings St, Chattanooga, TN 37406
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  /39

  $459,900

  • 3 Beds
  • 4 Baths
  • 2,200 Sq Ft

  724 W Bell #114 Ave, Chattanooga, TN 37405

  Welcome to 724 West Bell Avenue, a stunning new construction townhome development nestled in the heart of Chattanooga's highly sought-after Northshore neighborhood. Boasting a perfect blend of modern elegance and urban convenience, this community promises to elevate your lifestyle to new heights. These thoughtfully designed 3-bedroom, 2 full bathrooms, and 2 half bathroom townhomes offer generous

  Trace Walker Fletcher Bright Realty

  

  724 W Bell #114 Ave, Chattanooga, TN 37405
• 

  

  /30

  $634,900

  • 2,319 Sq Ft

  746 Curve St, Chattanooga, TN 37405

  This unique three-unit property offers incredible versatility and income potential in the highly sought-after North Shore area of Chattanooga, known for its vibrant community, walkability, and proximity to local attractions. The North Shore is one of Chattanooga's most desirable neighborhoods, offering trendy restaurants, boutique shopping, coffee shops, parks, and easy access to the Tennessee

  Randy Hatmaker EXP Realty LLC

  

  746 Curve St, Chattanooga, TN 37405
• 

  

  /10

  $102,900

  • Land
  • 0.16 Acre
  • $643,125 per Acre

  01 Pine Ridge Rd, Chattanooga, TN 37405

  Build your dream home on this amazing lot located near the heart of Downtown Chattanooga! Great location close to many restaurants and shopping!

  Brian Bradford Rogue Real Estate Company llc

  

  01 Pine Ridge Rd, Chattanooga, TN 37405
• 

  

  /36

  $385,000

  • 1 Bed
  • 1.5 Baths
  • 1,132 Sq Ft

  121 Old Mountain Rd, Chattanooga, TN 37409

  Experience City Living at Basecamp Townhomes, one of Chattanooga's Premier Investment Opportunities. Welcome to 121 Old Mountain Road, a true hidden gem nestled in the vibrant Saint Elmo neighborhood of Chattanooga. One of the largest units offered in the development it features one-bedroom with one-and-a-half-bathrooms. The third floor flex space can accommodate a second bedroom. Crafted by the

  Derek English The Agency Chattanooga

  

  121 Old Mountain Rd, Chattanooga, TN 37409
• 

  

  /4

  $299,900

  • 2,002 Sq Ft

  1308 Duncan Ave, Chattanooga, TN 37404

  This property can be converted back into a single family residence or renovated back into the three, 2-bedroom, 1-bath units it had previously.Owner/agent

  Nathan Brown Keller Williams Realty

  

  1308 Duncan Ave, Chattanooga, TN 37404
• 

  

  /48

  $569,000

  • 4 Beds
  • 4.5 Baths
  • 3,794 Sq Ft

  314 Tunnel Blvd, Chattanooga, TN 37411

  Welcome to your dream home, a beautifully updated 4-bedroom, 4.5-bathroom all-brick home in Chattanooga's desirable Ridgeside area that blends classic charm with modern amenities. The expansive, well-maintained exterior features a spacious driveway and lush greenery on a 1 acre lot. Step inside to a beautifully updated kitchen boasting sleek, stainless steel appliances, ample counter space,

  Ralph Harvey ListWithFreedom.com

  

  314 Tunnel Blvd, Chattanooga, TN 37411
• 

  

  /38

  $724,000

  • 4 Beds
  • 3.5 Baths
  • 2,205 Sq Ft

  903 Islander Way, Chattanooga, TN 37402

  Experience downtown Chattanooga living in this stunning 4-bedroom, 3.5-bathroom condo in the desirable Cameron Harbor community. Built in 2016, this 2,150 sq. ft., three-story corner unit offers modern elegance and panoramic views of the Tennessee River and Lookout Mountain.The open-concept main level is perfect for entertaining, featuring a gourmet kitchen with leather quartzite countertops, a

  Trace Walker Fletcher Bright Realty

  

  903 Islander Way, Chattanooga, TN 37402
• 

  

  /30

  $422,000

  • 3 Beds
  • 2.5 Baths
  • 2,152 Sq Ft

  3508 Valley Trail, Chattanooga, TN 37415

  Realtors love a home that has been meticulously kept and this home fits the bill! This 3 bedroom, 2.5 bath home features a marvelous kitchen with stainless steel appliances, plenty of storage in the pantry, tile backsplash, solid surface countertops, gas stove top, and wall oven. The dining room features French doors with full windows perfect for overlooking the covered deck. The master bedroom

  Kim Cranfield RE/MAX Real Estate Professionals

  3508 Valley Trail, Chattanooga, TN 37415
• 

  

  /8

  $89,900

  • 3 Beds
  • 1 Bath
  • 980 Sq Ft

  1707 Ocoee St, Chattanooga, TN 37406

  Amazing opportunity in the Avondale area to get into the Chattanooga housing market. This is a solid investment opportunity if you are ready to take on a complete rehab or tear down the house and build on its perfectly level and deep .21 acre lot. Many new homes are being built in the area so there is opportunity here. Ideal location between the University of Tennessee (UTC) Campus and

  Teresa Scheiwe Keller Williams Realty

  

  1707 Ocoee St, Chattanooga, TN 37406
• 

  

  /17

  $159,900

  • 2 Beds
  • 1 Bath
  • 1,224 Sq Ft

  3203 12th Ave, Chattanooga, TN 37407

  This sale is an ''As-Is'' purchase. Don't ,miss your chance to invest in the fast growing E lake community of Chattanooga. Just minutes to Downtown, this home is great for investment or for those looking to find a fixer upper. Two bedrooms, large front porch, big flat back yard and rear alley access with lots of parking.

  Joey Winslett Better Homes and Gardens Real Estate Signature Brokers

  

  3203 12th Ave, Chattanooga, TN 37407
• 

  

  /64

  $835,000

  • 2 Beds
  • 2 Baths
  • 2,227 Sq Ft

  55 E Main St, Chattanooga, TN 37408

  Nestled in the heart of Southside, this beautiful 2-bedroom, 2-bathroom condo offers an open-concept layout and an expansive rooftop deck perfect for entertaining or unwinding with breathtaking views. Sunlight pours in through large windows overlooking Main Street, creating a bright and inviting atmosphere.The sleek kitchen features stainless steel appliances and elegant black granite

  Geoffrey Street Crye-Leike, REALTORS

  

  55 E Main St, Chattanooga, TN 37408
• 

  

  /39

  $469,000

  • 3 Beds
  • 3.5 Baths
  • 2,038 Sq Ft

  829 S Greenwood Ave, Chattanooga, TN 37404

  Experience elevated living at 829 S. Greenwood Avenue - a boutique collection of just six modern townhomes that blend sleek design, stunning views, and unbeatable location. Originally built in 2023 and leased, Unit 113 is now available, and worth the wait. This is a 3-bedroom, 3.5-bathroom stunner designed for those who want style, space, and a seamless indoor-outdoor vibe. Think panoramic

  Ashlee Lawrence Real Broker

  

  829 S Greenwood Ave, Chattanooga, TN 37404
• 

  

  /119

  $6,900,000

  • 16 Beds
  • 14 Baths
  • 15,196 Sq Ft

  31 Minnekahda Place, Chattanooga, TN 37405

  Built in 1917 by the esteemed Patten family, this magnificent all-brick estate spans approximately 15,196 square feet and is gracefully perched atop one of Riverview's highest points. Situated on a picturesque 3.3-acre lot, the property boasts breathtaking panoramic views of downtown Chattanooga, the Tennessee River, and the surrounding mountains.Once the crown jewel of a vast family estate, the

  Katrina Morrow Keller Williams Realty

  

  31 Minnekahda Place, Chattanooga, TN 37405
• 

  

  /69

  $632,000

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

  895 Cherokee Blvd, Chattanooga, TN 37405

  PRICE IMPROVEMENT! Elevator I Hardwood Floors I Luxury FinishesWelcome to this stunning 3-bedroom, 3.5-bathroom home that seamlessly blends modern luxury with comfort features. Gorgeous hardwood floors throughout this home, beautiful 9 ft ceilings, and oversized windows that flood the space with natural light. The gourmet kitchen is a chef's dream, boasting quartz countertops, stainless steel

  Eleanor Aiken Keller Williams Realty

  

  895 Cherokee Blvd, Chattanooga, TN 37405
• 

  

  /52

  $1,675,000

  • 4 Beds
  • 5.5 Baths
  • 4,825 Sq Ft

  1109 Meroney St, Chattanooga, TN 37405

  When a home embodies all the breathtaking elements that earned Chattanooga the title of Scenic City, it can only be 1109 Meroney Street. Offering stunning views of Lookout Mountain, the graceful flow of the Tennessee River, and the vibrant downtown skyline, this residence delivers luxury living with unparalleled convenience—just three minutes from everything you need. From the moment you step

  Kevin Wammak Real Estate Partners Chattanooga LLC

  

  1109 Meroney St, Chattanooga, TN 37405
• 

  

  /22

  $155,000

  • 3 Beds
  • 1.5 Baths
  • 1,224 Sq Ft

  2813 Calhoun Ave, Chattanooga, TN 37407

  Looking for a rental property to put a little sweat equity into? Look no further! 2813 Calhoun Ave will be great to add to your portfolio. This property is conveniently located to downtown and has easy access to I-24. This home features three spacious bedrooms, two bathrooms, and a nice sized kitchen. The yard here is also nice and flat! While many updates have been done in the past few years,

  Tevan Holder United Real Estate Experts

  

  2813 Calhoun Ave, Chattanooga, TN 37407

Showing Results 321 - 360, Page 9 of 17