1,626

Chattanooga, TN Homes for Sale

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  • /39

    $309,900 Open Sun 2PM - 4PM

    • 3 Beds
    • 1.5 Baths
    • 1,344 Sq Ft

    3613 Altamira Dr, Chattanooga, TN 37412

    Beautiful one level home only 10 minutes to Downtown Chattanooga. This super cute home has 3 bedrooms and 2 full baths with many updates and gorgeous flowering plants, sits on a large level lot. Engineered hardwood flooring throughout the main level. Living room is a great size with tons of natural light. Kitchen is open with great cabinet space, stainless appliances and island work center.

    Ryan King Keller Williams Realty

    3613 Altamira Dr, Chattanooga, TN 37412
  • /33

    $410,000

    • 3 Beds
    • 2.5 Baths
    • 2,450 Sq Ft

    2507 Saint Lucie Ct, Chattanooga, TN 37421

    Fabulous home in a super convenient location. This beautiful townhome has been meticulously maintained and is ready for you to move in. Saint Lucie is a lovely cul de sac street with charming facades and thoughtful layouts. This beauty features hardwood floors throughout the main level living area and the master bedroom. The formal dining is the perfect place for entertaining or every day

    Frances Vantrease RE/MAX Properties

    2507 Saint Lucie Ct, Chattanooga, TN 37421
  • /61

    $529,000

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

    1120 Fairmount Ave, Chattanooga, TN 37405

    Stunning views, fresh updates, and two private decks make this move-in ready home a rare find in North Chattanooga. This charming 3-bedroom, 2.5-bath home offers an open and inviting layout, freshly painted throughout to create a bright, airy feel. The spacious main-level deck is perfect for entertaining, while the private deck off the primary suite offers peaceful mountain and treetop

    Frank Trimble Keller Williams Realty

    1120 Fairmount Ave, Chattanooga, TN 37405
  • /36

    $339,500

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

    1146 Pierce St, Chattanooga, TN 37403

    This beautifully renovated 4-bedroom, 2-bath home is full of history, charm & convenience! Perfectly situated on a flat, fenced-in corner lot just minutes from downtown and Erlanger Hospital, this home combines modern comfort with historic character.Step onto the covered front porch and into a light-filled interior featuring LVP flooring throughout, fresh paint, and updated lighting

    Trey Corum Keller Williams Realty

    1146 Pierce St, Chattanooga, TN 37403
  • /86

    $515,000

    • 2 Beds
    • 2 Baths
    • 1,157 Sq Ft

    411 Fairpoint St, Chattanooga, TN 37405

    Welcome home to The Fairpoint, where modern design meets ultimate luxury and convenience. A masterpiece with unmatched views. This condo boasts top-of-line features throughout. High on a hilltop this unique location affords great views from every room plus a fantastic community rooftop deck which offers the perfect spot to relax or entertain and overlooking all of the city and mountains,

    Yun Gravitt Coldwell Banker Pryor Realty

    411 Fairpoint St, Chattanooga, TN 37405
  • /15

    $319,000

    • 2 Beds
    • 2 Baths
    • 1,062 Sq Ft

    1402 W 53rd St, Chattanooga, TN 37409

    Discover the potential in this recently remodeled 2 bedroom/2 bathroom home located in the highly sought after historic St. Elmo district of Chattanooga. This adorable bungalow offers the comfort of home with the convenience of being just minutes from downtown Chattanooga.

    Delaney Vick Total Real Estate Services,LLC

    1402 W 53rd St, Chattanooga, TN 37409
  • /34

    $334,000

    • 2 Beds
    • 1 Bath
    • 1,044 Sq Ft

    4913 Virginia Ave, Chattanooga, TN 37409

    Welcome to 4913 Virginia Avenue, a charming bungalow nestled in the heart of historic St. Elmo, just around the corner from the neighborhood's recently upgraded playground. This freshly painted 2-bedroom, 1-bath home offers inviting curb appeal with a cute sitting porch and space out front for your dream garden. Inside, you'll find an open-concept layout with hardwood floors, built-ins, a

    Debbie Sue Przybysz Real Estate Partners Chattanooga LLC

    4913 Virginia Ave, Chattanooga, TN 37409
  • /45

    $249,000

    • 3 Beds
    • 2 Baths
    • 1,442 Sq Ft

    3400 Birchwood Dr, Chattanooga, TN 37406

    Move-In Ready and Fully Updated!This beautifully refreshed home is full of charm and modern upgrades, featuring all-new paint, flooring, lighting, and updated bathrooms and kitchen—giving it a fresh, like-new feel throughout.Step into a spacious living room that welcomes you in with natural light and warmth. Upstairs, you'll find a private master suite with full bath, along with two

    Eric Tidmore 1 Percent Lists Scenic City

    3400 Birchwood Dr, Chattanooga, TN 37406
  • /35

    $279,000

    • 2 Beds
    • 2.5 Baths
    • 1,122 Sq Ft

    2413 E 17th St, Chattanooga, TN 37404

    New Community , Now Selling! Come see the spacious Sedona floorplan by Parkside Builders featuring beautiful designer finishes and Spray foam insulation. Enjoy beautiful views of Lookout Mountain and Historical Coosa Mill. AVAILABLE NOW! Call today to ask about to builder closing cost incentives with use of Preferred Lender and Title! Limited investor opportunities are also available for leases 6

    Laura Brown Parkside Realty, LLC

    2413 E 17th St, Chattanooga, TN 37404
  • /31

    $350,000

    • 4 Beds
    • 2.5 Baths
    • 1,645 Sq Ft

    5325 Audreys Place, Chattanooga, TN 37411

    Don't miss this modern, move-in-ready home in the heart of Chattanooga's Audrey's Park community! Built in 2022, this thoughtfully designed residence offers 4 bedrooms, 2.5 bathrooms, and an open-concept layout perfect for comfortable everyday living or entertaining. The spacious kitchen features granite countertops, sleek cabinetry, and a full suite of appliances including a refrigerator,

    Grace Edrington Berkshire Hathaway J Douglas Properties

    5325 Audreys Place, Chattanooga, TN 37411
  • /13

    $340,000

    • 2,160 Sq Ft

    3420 Birchwood Dr, Chattanooga, TN 37406

    GREAT OPPORTUNITY!!! Completely remodeled early 2024. New roof, new large shared front porch, new HVAC, new windows, new exterior paint, new interior paint, new floors, new appliances, new counter tops, new cabinets. NEW NEW NEW!!!Each unit is 1080sqft 2 bed 1.5 bath.Don't miss this opportunity, call listing agent with any and all questions.

    Michael Schmitt Horizon Sotheby's International Realty

    3420 Birchwood Dr, Chattanooga, TN 37406
  • /33

    $255,000

    • 2 Beds
    • 2 Baths
    • 1,175 Sq Ft

    1131 Stringers Ridge Rd, Chattanooga, TN 37405

    Welcome to your own secluded condo. Enjoy the panoramic views of the city lights, river, bridges and both Signal and Lookout mountain. You will fall in love with all the amenties it has to offer.Gated security in front and back, clubhouse, fitness room, theater room, salt water pool, gas grill, dog parks, elevators, trash,mailbox and grocery carts. Each floor has washers & dryers with

    Diane Vaugn SquareOne Realty, LLC

    1131 Stringers Ridge Rd, Chattanooga, TN 37405
  • /34

    $399,900

    • 3 Beds
    • 2 Baths
    • 1,879 Sq Ft

    8503 Georgetown Trace Ln, Chattanooga, TN 37421

    Welcome home to one level living zoned for East Hamilton schools! Step out onto the expansive screened-in porch, perfect for relaxing mornings, evening dinners, or weekend entertaining all while surrounded by nature. Home offers an open and functional layout, spacious bedrooms, and thoughtful finishes throughout. This home is as practical as it is charming including views of the mountains from

    Jennifer Burrell Century 21 Prime South

    8503 Georgetown Trace Ln, Chattanooga, TN 37421
  • /36

    $249,000

    • 3 Beds
    • 1 Bath
    • 1,118 Sq Ft

    3671 Thrushwood Dr, Chattanooga, TN 37415

    Chattanooga convenience meets Red Bank charm in this thoughtfully updated ranch, offering the perfect mix of timeless character and modern upgrades, just 10 minutes from downtown! This 3-bedroom, 1-bath home offers functional space, and a prime location that appeals to both homebuyers and investors alike.Inside, enjoy refinished oak hardwood floors throughout the main living areas and a

    Lisa Kimsey Better Homes and Gardens Real Estate Signature Brokers

    3671 Thrushwood Dr, Chattanooga, TN 37415
  • /44

    $364,900

    • 3 Beds
    • 2 Baths
    • 1,526 Sq Ft

    2367 Lake Mist Dr, Chattanooga, TN 37421

    Located within THE LAKES AT STANDIFER, this 3 bedroom, 2 full bath split floor plan ranch boasts a large living room with tray ceilings, crown molding, and gas fireplace. Additionally, the kitchen features custom cabinetry, lighting, and stainless appliances. The master en suite has a spacious walk-in closet and cathedral ceiling. The en suite has a jetted tub and separate shower. Two additional

    Patrick Thomas Crye-Leike REALTORS

    2367 Lake Mist Dr, Chattanooga, TN 37421
  • /32

    $475,000

    • 4 Beds
    • 1.5 Baths
    • 2,212 Sq Ft

    802 E Martin Luther King Blvd, Chattanooga, TN 37403

    Beautifully updated 4-bedroom, 1.5-bath single-family home that perfectly blends timeless character with modern upgrades. This corner-lot gem showcases the best of Chattanooga's historic architecture, featuring 11-foot ceilings, original hardwood floors, grand staircase, and original transoms above the door frames.Step inside to find a freshly painted interior that's both bright and

    Ana Faulk The Group Real Estate Brokerage

    802 E Martin Luther King Blvd, Chattanooga, TN 37403
  • /75

    $345,000

    • 2,497 Sq Ft

    6314 Fisk Ave, Chattanooga, TN 37421

    Welcome to 6314 Fisk Ave - a well-maintained, cash-flowing triplex featuring three separately metered units with strong in-place rents totaling $3,261/month. This investment includes two 2-bedroom, 1-bathroom units just under 800 square feet each, as well as a spacious 3-bedroom, 1-bathroom unit offering approximately 1,000 square feet of living space.Each unit is equipped with in-unit

    Charles Jabaley Keller Williams Realty

    6314 Fisk Ave, Chattanooga, TN 37421
  • /20

    $185,000

    • 3 Beds
    • 2 Baths
    • 1,153 Sq Ft

    2015 James Ave, Chattanooga, TN 37415

    Calling all investors and visionaries! Don't miss this incredible fixer-upper opportunity in the heart of Red Bank. Sitting on a spacious lot with beautiful mature trees and a fenced backyard, this property offers plenty of room to create your dream home or next investment project.The main level features 2 bedrooms, 1 full bath, 2 living areas, and a dining room with charming corner

    Rachel Bruner Keller Williams Realty

    2015 James Ave, Chattanooga, TN 37415
  • /26

    $365,000

    • 2 Beds
    • 2 Baths
    • 1,524 Sq Ft

    5478 Mandarin Cir, Hixson, TN 37343

    This charming and cozy one-level, 2-bedroom, 2-bath townhome is perfectly located in a highly desirable neighborhood just minutes from shopping, dining, and everyday conveniences. Thoughtfully maintained and beautifully finished throughout, this low-maintenance home feels just like new and offers effortless living in a prime setting.

    Eric Tidmore 1 Percent Lists Scenic City

    5478 Mandarin Cir, Hixson, TN 37343
  • /31

    $259,000

    • 2 Beds
    • 1 Bath
    • 1,008 Sq Ft

    3517 Berkley Dr, Chattanooga, TN 37415

    Prime location just minutes from downtown Chattanooga, offering easy access to restaurants, shopping, and hospitals. This delightful 2-bedroom, 1-bath home is an excellent opportunity for first-time buyers or investors. It features classic craftsman charm combined with a modern open-concept design. With a functional layout, a spacious lot, and stunning Brazilian cherry countertops, it's perfect

    Wendy Lawhorn Real Estate Partners Chattanooga LLC

    3517 Berkley Dr, Chattanooga, TN 37415
  • /21

    $399,000

    • 4 Beds
    • 3 Baths
    • 2,324 Sq Ft

    8208 Graham Rd, Chattanooga, TN 37421

    Welcome to 8208 Graham Rd. This completely remodeled beauty is tucked away privately. 4 large bedrooms, 3 bathrooms, all with tiled shower surround, granite tops, and vanities. The large custom kitchen is a chefs dream and perfect for the entertainer. Venture outside to a large front porch and wrap around deck, that even has a second floor Juliet balcony attached to the master bedroom. Tons of

    James Grisard Keller Williams Realty

    8208 Graham Rd, Chattanooga, TN 37421
  • /2

    $195,000

    • 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

    Tamekia Brewer Norluxe Realty Chattanooga llc

    3237 Idlewild Dr, Chattanooga, TN 37411
  • /54

    $219,900

    • 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
  • /45

    $324,900 Open House 8/03

    • 3 Beds
    • 3 Baths
    • 1,798 Sq Ft

    7414 Hamilton Run Dr, Chattanooga, TN 37421

    3 bedroom / 3 bath townhome located in the heart of the East Brainerd Community and in one of the most desirable townhome neighborhoods of the area. Maintenance free living and rear loading garages give an aesthetically pleasing street to enjoy. Hardwood flooring throughout the main level. Tons of natural light flowing in with the many windows, which have been all updated. Formal living room

    Ryan King Keller Williams Realty

    7414 Hamilton Run Dr, Chattanooga, TN 37421
  • /41

    $285,000

    • 1,884 Sq Ft

    6303 Walden Ave, Chattanooga, TN 37421

    Welcome to 6303 Walden Ave - a well-maintained, cash-flowing duplex featuring two identical 3-bedroom, 1.5-bathroom units, each offering just under 1,000 square feet of functional living space. With tenants and strong monthly rents at $2664/month, this property provides reliable rental income from day one.Both units feature spacious layouts, in-unit laundry, and seperate utility meters

    Charles Jabaley Keller Williams Realty

    6303 Walden Ave, Chattanooga, TN 37421
  • /72

    $425,000

    • 4 Beds
    • 3 Baths
    • 2,704 Sq Ft

    1034 Shady Fork Rd, Chattanooga, TN 37421

    Welcome to this spacious 4-bedroom, 3-bath split foyer home, perfectly situated in a highly sought-after neighborhood, zoned for Westview Elementary and East Hamilton Middle and High Schools.This well-maintained home features new LVT flooring throughout the upstairs and brand-new carpet on the lower level. The upper level offers a bright living room, a formal dining room currently

    Paige Batten Crye-Leike, REALTORS

    1034 Shady Fork Rd, Chattanooga, TN 37421
  • /16

    $339,000

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

    817 Flynn St, Chattanooga, TN 37403

    Welcome to your new home in the heart of it all! This spacious 3-bedroom, 2-bathroom condo, located in a prime area of Downtown Chattanooga, offers the ease of first-floor living within the highly sought-after Palmetto 8 community. With its private ground-level entrance, you'll enjoy the comfort and feel of a townhome while benefiting from the low-maintenance perks of condo living. Inside, the

    Ryan May Real Estate Partners Chattanooga LLC

    817 Flynn St, Chattanooga, TN 37403
  • /23

    $649,000

    • Land
    • 2.61 Acres
    • $248,659 per Acre

    0 Mountain Creek Rd Unit 1515503, Chattanooga, TN 37402

    Prime Development Opportunity - 2.61Acres Near 4 squares business complex and Downtown Chattanooga on 2 parcels 117C A 013 & 117C A 014.04Unlock the potential of this rare offering—two mostly cleared parcels totaling 2.61 acres, ideally located just 10 minutes from downtown Chattanooga and mere minutes from premier shopping, dining, and everyday conveniences.Zoned for flexibility

    Michael Kelly Scenic South Properties, LLC

    0 Mountain Creek Rd Unit 1515503, Chattanooga, TN 37402
  • /40

    $419,000

    • 4 Beds
    • 3 Baths
    • 2,430 Sq Ft

    2124 Colonial Parkway Dr, Chattanooga, TN 37421

    Welcome to this stunning 4-sided brick home nestled in the heart of Chattanooga's highly sought-after East Brainerd area! Boasting an ideal location with easy access to local amenities, this spacious residence offers versatile living spaces perfect for families or multigenerational households3 Bedrooms Upstairs: Includes a luxurious master suite with a walk-in shower. All bathrooms feature

    Matthew Mucciolo RE/MAX Properties

    2124 Colonial Parkway Dr, Chattanooga, TN 37421
  • /34

    $309,900

    • 4 Beds
    • 2 Baths
    • 1,750 Sq Ft

    3015 Towerway Dr, Chattanooga, TN 37406

    Welcome to 3015 Towerway Dr, where modern design meets comfort and convenience. This beautifully renovated home offers high-end finishes, designer touches, and thoughtful upgrades throughout—all just a quick drive from Downtown Chattanooga, Interstate access, and Hwy 153.Step inside to discover a bright and open layout featuring luxury flooring, custom cabinetry, and top-of-the-line

    Maynard Thompson Oak and Willows Real Estate Collective PLLC

    3015 Towerway Dr, Chattanooga, TN 37406
  • /34

    $388,000

    • 3 Beds
    • 2 Baths
    • 1,774 Sq Ft

    2001 Hamilton Brow Path, Chattanooga, TN 37421

    SELLER CREDIT of $3000 towards closing costs! Don't miss this fantastic opportunity to live in the highly sought-after Hamilton Mill neighborhood in a fully refurbished, move-in-ready three-bedroom home. The moment you step inside, you'll be greeted by a spacious living room with vaulted ceilings, large windows, and a beautifully updated kitchen that's perfect for family gatherings and

    Andrew Austin Austin Real Estate L.L.C.

    2001 Hamilton Brow Path, Chattanooga, TN 37421
  • /4

    $1,200,000

    • Land
    • 3.15 Acres
    • $380,952 per Acre

    8528 E Brainerd Rd, Chattanooga, TN 37421

    INCREDIBLE DEVELOPMENT OPPORTUNITY in the heart of East Brainerd!! Introducing a RARE find: 3.15 ACRES of PRIME LAND on East Brainerd Rd., offering ENDLESS possibilities to build your own HOMESTEAD, develop a SUBDIVISION, TOWNHOME community, MULTI-FAMILY, OFFICE SPACES, RETAIL etc...(ALL Subject to REZONING for intended use and APPROVAL by the Zoning & Planning Commission of Chattanooga). This

    Anish Alexkutty EXP Realty LLC

    8528 E Brainerd Rd, Chattanooga, TN 37421
  • /10

    $159,900

    • 1 Bed
    • 1 Bath
    • 750 Sq Ft

    722 Bacon Trail, Chattanooga, TN 37412

    Price Reduced!!! Welcome to this rarely available home in Belvoir Hills Estates, an exclusive hidden gem in East Ridge. These condos are ideally situated in a blissfully serene and convenient location close to everything Chattanooga has to offer, and they are one of the city's best-kept secrets and seldom come onto the market. Now is your chance to make this minimal maintenance, move-in

    Angela Ward Real Estate Partners Chattanooga LLC

    722 Bacon Trail, Chattanooga, TN 37412
  • /33

    $575,000

    • 3 Beds
    • 2 Baths
    • 2,028 Sq Ft

    704 Colville St, Chattanooga, TN 37405

    Nestled in the heart of North Chattanooga, 704 Colville Street is a timeless Craftsman home paired with modern updates—just a short stroll from the Walnut Street Bridge, Frazier Avenue, and Coolidge Park. This beautifully maintained bungalow feels like a private treehouse retreat, showcasing original hardwood floors, custom cabinetry, and built-ins throughout. The thoughtfully designed open floor

    Grace Frank Zach Taylor - Chattanooga

    704 Colville St, Chattanooga, TN 37405
  • /36

    $329,000

    • 2 Beds
    • 2.5 Baths
    • 1,398 Sq Ft

    1007 Montague Place, Chattanooga, TN 37408

    STVR PERMITTED two (2) bedroom, two-and-a-half bath townhome located adjacent to the Sculpture Fields, a 33-acre outdoor art museum. This home is ideal for the urban dweller, investor, or first-time home buyer. The first floor features an open living space with a half-bath and full kitchen, including quartz countertops, stainless steel appliances, and tiled backsplash. Two-inch faux blinds

    Melissa Hennessy Real Estate Partners Chattanooga LLC

    1007 Montague Place, Chattanooga, TN 37408
  • /22

    $309,900

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

    1114 McBrien Rd, Chattanooga, TN 37412

    Come see the beautiful details on this 4 Bedroom 2 1/2 Bathroom, featuring a Large Master Bedroom with plenty of closet space, The Brand new Master Bath comes with a free standing bathtub and new ceramic tile walls, Kitchen is very spacious, freshly painted, new floors, lights bathroom fixtures and much more., LARGE LEVELED BACK YARD. But specially the great LOCATION!!

    Mayra Lemus SquareOne Realty, LLC

    1114 McBrien Rd, Chattanooga, TN 37412
  • /16

    $339,000

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

    817 Flynn St Unit 104, Chattanooga, TN 37403

    Welcome to your new home in the heart of it all! This spacious 3-bedroom, 2-bathroom condo, located in a prime area of Downtown Chattanooga, offers the ease of first-floor living within the highly sought-after Palmetto 8 community. With its private ground-level entrance, you'll enjoy the comfort and feel of a townhome while benefiting from the low-maintenance perks of condo living. Inside, the

    Ryan May Real Estate Partners Chattanooga, LLC

    817 Flynn St Unit 104, Chattanooga, TN 37403
  • /21

    $170,000

    • 1 Bed
    • 1 Bath
    • 480 Sq Ft

    7111 Bonny Oaks Dr, Chattanooga, TN 37421

    Location and Opportunity! This charming bungalow has both!Perfect for the investor or handyman that likes DIY projects, this home is primed and ready for its next owner to invest some love and labor into bringing it back to its former glory.Close to Enterprise South, Volkswagen, Amazon, and so much more; this would be the perfect home for someone desiring a quick and easy

    Joseph Lundberg RE/MAX Real Estate Center

    7111 Bonny Oaks Dr, Chattanooga, TN 37421
  • /22

    $325,000

    • 2 Beds
    • 3 Baths
    • 2,157 Sq Ft

    4406 Shelborne Dr, Chattanooga, TN 37416

    Investor Opportunity! This unique property has been used as a photography studio for many years and offers an abundance of opportunities with the variety of zoning the property has been assigned. Zoning of the 1.17 acres includes the following zoning: RN-1-6 (single family); RN-3 (residential zone) and C-NT (Neighborhood Transition Commercial Zone). Conveniently located within

    Joan Rose Coldwell Banker Pryor Realty

    4406 Shelborne Dr, Chattanooga, TN 37416
  • /33

    $165,000

    • 2 Beds
    • 1.5 Baths
    • 950 Sq Ft

    900 Mountain Creek Rd, Chattanooga, TN 37405

    Beautifully Updated 2BR/1.5BA CORNER UNIT Townhome-Style Condo. Move-in ready and full of very well done updates, this two-story condo corner unit in Building K offers comfort, style, and unbeatable convenience being minutes to UTC and Downtown Chattanooga. Recent improvements include new wood-look vinyl flooring and carpeting, modern bathroom fixtures and vanities, fresh paint throughout,

    Kevin Wammak Real Estate Partners Chattanooga LLC

    900 Mountain Creek Rd, Chattanooga, TN 37405

Showing Results 361 - 400, Page 10 of 18

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