Homes for Sale near SKYUKA HALL

• 

  

  

  /48

  $339,900

  • 3 Beds
  • 2 Baths
  • 1,574 Sq Ft

  519 Cedar Glen Cir, Chattanooga, TN 37412

  Location, Location, Location!!! Minutes from I-75 and I-24. This home is move in ready. New LVP flooring in common areas. New carpet in bedrooms. Freshly painted throughout. New Stainless-steel appliances. New gas hot water heater. Gas fireplace. Well maintained 3BR 2BTH. In suite bath with jetted tub and separate glass shower. Come take a look! Make your appointment today!

  Sandy Whaley Crye-Leike REALTORS - Cleveland

  519 Cedar Glen Cir, Chattanooga, TN 37412
• 

  

  

  /16

  $245,000

  • 3 Beds
  • 2 Baths
  • 1,386 Sq Ft

  3203 E 44th St, Chattanooga, TN 37407

  Cedar Hill / East Lake is an Affordable Opportunity. Minutes from downtown Chattanooga but still tucked into a street that feels calm, connected, and cool.Every corner says I've been thoughtfully remodeled and I know I look good. This isn't just a house—it's a vibe. And if you've been hunting for something that doesn't scream cookie-cutter You just found it. 2 legit bathrooms (no more

  Jody Usry Keller Williams Realty

  

  3203 E 44th St, Chattanooga, TN 37407
• 

  

  

  /28

  $279,900

  • 3 Beds
  • 2 Baths
  • 1,329 Sq Ft

  33 Tunnel Blvd, Chattanooga, TN 37411

  Welcome to this beautifully remodeled 3 bedroom 2 bath bungalow in the heart of Chattanooga. Blending timeless character with stylish modern updates, this move in ready gem offers warmth, functionality, and curb appeal on a generous level lot. Step inside to find natural light throughout the living area and a beautiful kitchen with granite counter tops, island and stainless steel appliances.

  Jessica Carrasquillo Fields Charlotte Mabry Team

  

  33 Tunnel Blvd, Chattanooga, TN 37411
• 

  

  

  /6

  $130,000

  • 2 Beds
  • 1 Bath
  • 1,200 Sq Ft

  3426 Vinewood Dr, Chattanooga, TN 37406

  Property Sold AS IS

  Susan Hansford Uptown Firm, LLC

  

  3426 Vinewood Dr, Chattanooga, TN 37406
• 

  

  

  /25

  $174,900

  • 2 Beds
  • 1 Bath
  • 748 Sq Ft

  4202 Davis Ln, Chattanooga, TN 37416

  Cute home in great location . Convenientto shoppiing, downtown , recreation, the airport and restaurants! This home is move in ready. Enjoy the comfortable deck off the kitchen . The separate garage is also a plus !!Great corner lot . Come see, come home to 4202 Davis Lane.

  Sue Sievers Crye-Leike, REALTORS

  

  4202 Davis Ln, Chattanooga, TN 37416
• 

  

  /33

  $434,900

  • 4 Beds
  • 2.5 Baths
  • 2,613 Sq Ft

  918 Stone Crest Cir, Chattanooga, TN 37421

  Located in the highly desirable Hurricane Creek subdivision, this beautiful home offers the perfect blend of space, privacy, and convenience. Nestled on an oversized lot in a quiet cul-de-sac, it's ideal for outdoor play and peaceful living, all while being just minutes from everything Chattanooga has to offer. The property features mature trees, lush landscaping, and a wooded backdrop that

  Josh Killian The Group Real Estate Brokerage

  

  918 Stone Crest Cir, Chattanooga, TN 37421
• 

  

  /38

  $350,000

  • 5 Beds
  • 3 Baths
  • 2,498 Sq Ft

  64 Stovall St, Fort Oglethorpe, GA 30742

  Welcome to this beautifully maintained brick home offering the perfect blend of space, comfort, and convenience. Featuring 5 generously sized bedrooms and 3 full bathrooms, this home provides plenty of room for family, guests, or a home office. The fully finished basement offers versatile space ideal for a media room, fitness area, or playroom.Enjoy the convenience of a 2-car garage and a

  Geoff Ramsey Real Estate Partners Chattanooga LLC

  

  64 Stovall St, Fort Oglethorpe, GA 30742
• 

  

  /52

  $415,000

  • 3 Beds
  • 3 Baths
  • 1,826 Sq Ft

  8114 Royal Dr, Chattanooga, TN 37421

  Motivated Sellers~~~~~~Location! Updated! One level home with 2 primary bedrooms with full baths. Additional bedroom with full hall bath. Hardwood, stainless steel appliances,, smart locks and more. Large corner lot. Level fenced yard. Lots of parking. Swim spa, 2 outbuildings. 2 car garage with storage. East Brainerd schools and more.

  Lisa Paty The James Company Real Estate Brokers & Development

  

  8114 Royal Dr, Chattanooga, TN 37421
• 

  

  /28

  $225,000

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

  71 Georgia Terrace, Rossville, GA 30741

  ''BIG PRICE DROP!!''Welcome to 71 Georgia Terrace! A clean, updated, and move-in ready one-level home over an unfinished basement with a full two-car garage. Set on a quiet street with well-maintained landscaping and great curb appeal, this home offers both charm and functionality in a convenient Rossville location.Step inside to soaring ceilings and a fresh, modern feel

  Blake Gibson EXP Realty, LLC

  

  71 Georgia Terrace, Rossville, GA 30741
• 

  

  /39

  $285,000

  • 2 Beds
  • 2 Baths
  • 1,328 Sq Ft

  316 Nye Dr, Chattanooga, TN 37411

  Welcome to this beautifully maintained 2-bedroom, 2-bath home tucked away in the established Navajo Hills neighborhood. Inside, the open-concept layout creates a warm, inviting space with gorgeous hardwood floors flowing throughout. The kitchen features granite countertops, modern appliances, and plenty of cabinet space, perfect for cooking and entertaining. In addition to a handicap accessible

  Makayla DeBusk RE/MAX Properties

  

  316 Nye Dr, Chattanooga, TN 37411
• 

  

  /3

  $99,000

  • 2 Beds
  • 2 Baths
  • 1,050 Sq Ft

  1701 Stanfiel St, Chattanooga, TN 37406

  Discover the significant potential in this promising investment property located at 1701 Stanfiel Street in Chattanooga! This home features 2 bedrooms and 2 bathrooms, with an invaluable flex room that could easily serve as a 3rd bedroom.Situated on a desirable corner lot, this property benefits from a newer roof (approximately 3 years old). Its location offers incredible convenience,

  Lori Montieth Keller Williams Realty

  

  1701 Stanfiel St, Chattanooga, TN 37406
• 

  

  /27

  $289,900

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

  731 Callaway Ct Unit 791, Chattanooga, TN 37421

  PRICE IMPROVEMENT! MOTIVATED SELLERS!!Welcome to 731 The Gardens at Heritage Green where convenience meets comfort in the heart of the East Brainerd Community!Ideally located just minutes from Hamilton Place Mall, top restaurants chains, fine dining and just minutes from downtown Chattanooga. This condo offers easy living in a sought-after community. This stunning

  Tamekia Brewer Norluxe Realty Chattanooga llc

  

  731 Callaway Ct Unit 791, Chattanooga, TN 37421
• 

  

  /42

  $374,900

  • 4 Beds
  • 3 Baths
  • 3,050 Sq Ft

  6413 Edgmon Dr, Chattanooga, TN 37421

  Discover this fantastic 4-bedroom, 3-bath home at 6413 Edgmon Rd in Chattanooga, TN 37421. Its location is incredibly convenient, putting you just minutes from Hamilton Place Mall, the new Tesla showroom, Erlanger Hospital, and all the diverse dining and shopping options on Gunbarrel Road. Step inside to an open floor plan featuring beautiful hardwood floors. The living area flows perfectly for

  Laila Punjani United Real Estate Experts

  

  6413 Edgmon Dr, Chattanooga, TN 37421
• 

  

  /57

  $295,000

  • 5 Beds
  • 3 Baths
  • 2,952 Sq Ft

  610 Corbley Rd, Rossville, GA 30741

  Spacious opportunity in Rossville! This massive home offers 4 bedrooms and 2 full bathrooms on the main level with 1,584 SqFt of living space, plus a partially finished basement featuring another bedroom, full bathroom, and over 1,400 of additional SqFt just waiting for your finishing touch.The main level has been partially renovated with brand-new flooring, fresh carpet, updated bathroom

  Ralph Harvey ListWithFreedom.com

  

  610 Corbley Rd, Rossville, GA 30741
• 

  

  /18

  $268,000

  • 3 Beds
  • 2 Baths
  • 1,900 Sq Ft

  104 Shelby St, Fort Oglethorpe, GA 30742

  This lovely home has been fully remodeled and has 3 bedrooms, 2 full bathrooms, open kitchen, living room, great room and laundry room. It has extras throughout and is ready for you! Plenty of space for family time or entertaining. Have a cookout on your private back deck. Relax on your large covered front porch. One level living in a very convenient location. Schedule your personal tour

  Deanna Lindsey Keller Williams Realty

  

  104 Shelby St, Fort Oglethorpe, GA 30742
• 

  

  /44

  $290,000

  • 3 Beds
  • 2 Baths
  • 1,615 Sq Ft

  2917 Crescent Cir, Chattanooga, TN 37407

  This completely renovated 3 bedroom/ 2 full bath gorgeous home has NEW EVERYTHING. New floors, new roof, new windows, new kitchen, new baths, freshly painted with a wide-open floor plan. The picture window in the family room creates a spectacular place to gather. This house also has a second lot where the storage building sits in the backyard. Private suite upstairs with closet, full bath, BRAND

  Robert Moss Keller Williams Realty

  

  2917 Crescent Cir, Chattanooga, TN 37407
• 

  

  /32

  $279,900

  • 3 Beds
  • 1.5 Baths
  • 1,934 Sq Ft

  76 Roswell Rd, Rossville, GA 30741

  Remodeled Rancher with Modern Touches, Classic Charm & Extra Storage! Step into this beautifully updated 1,934 sq. ft. rancher, where timeless character meets modern convenience. Freshly painted throughout and featuring refinished original oak hardwoods, this home shines with all-new light fixtures, doors, windows, new outdoor lighting, and a brand-new deck—perfect for entertaining or relaxing

  Vickie Henderson Basham RE/MAX Properties

  

  76 Roswell Rd, Rossville, GA 30741
• 

  

  /37

  $245,000

  • 3 Beds
  • 1.5 Baths
  • 1,826 Sq Ft

  3224 Through St, Chattanooga, TN 37411

  Welcome home to 3224 Through St~This wonderfully remodeled home is move-in ready and full of updates! Step inside to find brand new carpet throughout, fresh paint, and a spacious living room perfect for relaxing or entertaining. The kitchen shines with new granite countertops, stainless steel appliances~Upstairs features two cozy bedrooms, while the basement offers a third bedroom, newly finished

  JAN LAMBERT RE/MAX Properties

  

  3224 Through St, Chattanooga, TN 37411
• 

  

  /50

  $279,900

  • 2 Beds
  • 2 Baths
  • 1,196 Sq Ft

  83 Daybreak Dr, Rossville, GA 30741

  Welcome to the paradise of Sunset Cove Estates . This gated and quiet private community has sidewalks throughout and well kept yards that makes for a beautiful place to call home. The beautiful home has two bedroom and two full bath. It also has a 350 sq.ft unfinished bonus room or it can just be a very large storage area or walk-in attic. The Kitchen has granite counter tops and gorgeous wood

  Jeff Lamb Fletcher Bright Realty

  

  83 Daybreak Dr, Rossville, GA 30741
• 

  

  /18

  $549,999

  • 4 Beds
  • 3 Baths
  • 2,622 Sq Ft

  8127 Slugger Way, Chattanooga, TN 37421

  This almost brand new house, only 2 years old, from the first owner, a well-known Peachtree plan from Pratt, good quality and popular floor plan, bigger than standard Peachtree plan, sits in a cozy friendly neighborhood with community swimming pool and play ground.One bedroom on the first level, next to the living room, is easily accessible by guests or older family members. Three

  Andy Chen RE/MAX Renaissance Realtors

  

  8127 Slugger Way, Chattanooga, TN 37421
• 

  

  /20

  $432,400

  • 3 Beds
  • 2 Baths
  • 2,505 Sq Ft

  315 Bass Rd, Chattanooga, TN 37421

  This white brick home sits prominently on approximately a 1 acre corner lot in Brainerd Hills. The home features old world charm as well as modern features. The kitchen has quartz countertops. Many original fixtures throughout. Hardwood floors. Unfinished area in the basement. Excellent opportunity to make this home your own. Owner is a licensed agent.

  Brad Epperson Bentwood Property Group

  

  315 Bass Rd, Chattanooga, TN 37421
• 

  

  /15

  $395,000

  • 3,510 Sq Ft

  3634 Helen Ln, Chattanooga, TN 37412

  Discover a prime investment opportunity! This well-maintained brick duplex, built in 1974, offers 2,982 sq. ft. with Unit A featuring 2 bedrooms and 1.5 baths and Unit B boasting 3 bedrooms and 1.5 baths, perfect for tenants or owner-occupancy. Each unit includes spacious living areas, eat-in kitchens, separate laundry rooms, off-street parking, and covered decks, all on a generous 7,840 sq. ft.

  Keith Breneman RealSmart

  

  3634 Helen Ln, Chattanooga, TN 37412
• 

  

  /27

  $425,000

  • 5 Beds
  • 3 Baths
  • 4,227 Sq Ft

  4212 Rogers Rd, Chattanooga, TN 37411

  Built in equity and seller contributions!!! Discover the perfect blend of comfort and convenience at 4212 Rogers Rd in Chattanooga, TN, 37411. This charming home offers modern amenities and a prime location, making it the ideal place to call home in the heart of the Scenic City.

  Rashad Jones-Jennings EXP Realty LLC

  

  4212 Rogers Rd, Chattanooga, TN 37411
• 

  

  /30

  $272,000

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

  2138 Vaden Village Dr, Chattanooga, TN 37421

  NEW PRICE and NEW HVAC!!Welcome to this beautifully updated town-home nestled in the heart of highly sought-after East Brainerd! This spacious and inviting home features fresh interior and exterior paint, new flooring throughout, and modernized bathrooms with sleek fixtures and finishes. Step into a bright and cozy living room anchored by a warm fireplace, perfect for relaxing evenings. The

  Drew Carey EXP Realty, LLC

  

  2138 Vaden Village Dr, Chattanooga, TN 37421
• 

  

  /26

  $265,000

  • 3 Beds
  • 1.5 Baths
  • 1,529 Sq Ft

  4312 Kemp Dr, Chattanooga, TN 37411

  This one is all about charm, location, and lasting value. Step back into an era of craftmanship with this charming 3-bedroom, 1.5-bath all brick rancher, nestled in a peaceful, well-established neighborhood. Built in 1950 and spanning over 1,500 sq ft, this home features original hardwood floors in most rooms, spacious living areas, and a layout perfect for comfortable evryday living or

  Connie Brown Coldwell Banker Pryor Realty

  

  4312 Kemp Dr, Chattanooga, TN 37411
• 

  

  /17

  $199,000

  • 3 Beds
  • 1 Bath
  • 1,264 Sq Ft

  501 Central Dr, Chattanooga, TN 37421

  You have to see this well maintained 3 bedroom, 1 bathroom open floor plan cottage in East Brainerd! This newly renovated home features stainless steel appliances, butcher block countertops, new cabinets and kitchen island, refinished hardwoods, and new LVT flooring. Optional 3rd bedroom has a handmade built-in desk that can be used as an office or removed to make another bedroom. Brand new HVAC

  Joshua Slycord Total Real Estate Services,LLC

  

  501 Central Dr, Chattanooga, TN 37421
• 

  

  /22

  $369,900

  • 4 Beds
  • 3 Baths
  • 3,165 Sq Ft

  213 Alabama Ave, Rossville, GA 30741

  Talk about Bang for your Buck! This Move In ready, enormous house is priced at an unbelievable $116 sf! Welcome home to this very spacious home. Boasting 4 bedrooms, 3 baths, large, gorgeous kitchen, and 7 enclosed garage spaces (yes, you read that right)! Upstairs features 3 bedrooms, 2 baths, Formal dining room, generous kitchen that is both functional and beautiful, a den with a wall of built

  Jeannine Campbell Premier Property Group Inc.

  

  213 Alabama Ave, Rossville, GA 30741
• 

  

  /5

  $300,000

  • 2,328 Sq Ft

  1201 E 34th St, Chattanooga, TN 37407

  Don't miss this rare opportunity to own a fully functional duplex in the heart of Chattanooga, offering strong cash flow potential and long-term upside. Located at 1201 E34th Street, this under-rented duplex features two spacious units, each with 3 bedrooms and 2 full bathrooms—a rare and highly desirable layout for the area.Each side offers generous square footage, open living spaces,

  Jennifer Dixon LPT Realty LLC

  

  1201 E 34th St, Chattanooga, TN 37407
• 

  

  /15

  $229,000

  • 3 Beds
  • 2 Baths
  • 1,575 Sq Ft

  3113 10th Ave, Chattanooga, TN 37407

  Make this charming, newly remodeled 3 bedroom 2 full bath your new home! Features new roof, hardi board siding, all new flooring, new stainless steel appliances, built-in microwave, new cabinets, new light fixtures, new bath fixtures, new entry doors, new interior doors, new cabinets, new water heater and more! For investment owners Zillow monthly rent estimate is $1635.

  Braden Selby Selby-Webb Property Management INC

  

  3113 10th Ave, Chattanooga, TN 37407
• 

  

  /6

  $300,000

  • 2,328 Sq Ft

  1203 E 34th St, Chattanooga, TN 37407

  Don't miss this rare opportunity to own a fully functional duplex in the heart of Chattanooga, offering strong cash flow potential and long-term upside. Located at 1203 E34th Street, this under-rented duplex features two spacious units, each with 3 bedrooms and 2 full bathrooms—a rare and highly desirable layout for the area.Each side offers generous square footage, open living spaces,

  Jennifer Dixon LPT Realty LLC

  

  1203 E 34th St, Chattanooga, TN 37407
• 

  

  /54

  $199,900

  • 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
• 

  

  /3

  $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
• 

  

  /7

  $300,000

  • 2,250 Sq Ft

  21 Frawley Rd, Chattanooga, TN 37412

  Prime investment opportunity in East Ridge, TN! Two solid brick duplexes (2,250 sq ft each) in a high-growth area near Camp Jordan parks, Topgolf, and the Red Wolves development. Available as a package deal, see also MLS #1510500. Each unit offers 2 beds, 1.5 baths, and a full-sized kitchen. Three units were remodeled in 2014. All units are currently leased, providing immediate rental income in

  Daniel Demers Sell Your Home Services, LLC

  

  21 Frawley Rd, Chattanooga, TN 37412
• 

  

  /35

  $305,000

  • 2 Beds
  • 1 Bath
  • 1,496 Sq Ft

  3643 Garner Rd, Chattanooga, TN 37406

  10 minutes from Gunbarrel and many updates! New roof 2023 w/transferable warranty, reverse osmosis filtration system, new fence, new paint throughout the entire home, refinished hardwood, new electric garage, new granite countertops in kitchen, refinished cabinetry, new kitchen farmhouse steel sink, new garbage disposal, new stainless steel appliances including refrigerator, new LVP kitchen

  Adrienne Gremore RE/MAX Properties

  

  3643 Garner Rd, Chattanooga, TN 37406
• 

  

  /22

  $207,000

  • 4 Beds
  • 2 Baths
  • 1,200 Sq Ft

  1002 Gillespie Rd, Chattanooga, TN 37411

  Welcome to 1002 Gillespie Rd where you can unlock the potential in this fantastic 4-bedroom, 2-full bathroom home. Step inside to find hardwood floors, LVP flooring and the efficiency of new windows, newer water heater and a new french door leading to the deck. The layout is incredibly flexible, featuring a cozy den and a spacious eat-in kitchen. For investors, the separate downstairs entrance

  Lori Montieth Keller Williams Realty

  

  1002 Gillespie Rd, Chattanooga, TN 37411
• 

  

  /40

  $395,000

  • 3 Beds
  • 2 Baths
  • 1,515 Sq Ft

  7510 Hewitt Ln, Chattanooga, TN 37421

  Charming Home on 1 Acre- Close to EVERYTHING, yet it feels like you're in the Country! Welcome to the best of both worlds! This spacious 3 bedroom, 2 Bath home offers the convenience of the city living with the peaceful charm of a country setting. Nestled on a generous one-acre lot, you'll enjoy room to breathe, relax, and unwind- just minutes from the interstate access, top-rated hospitals,

  Michell Miller Crye-Leike, REALTORS

  

  7510 Hewitt Ln, Chattanooga, TN 37421
• 

  

  /38

  $280,000

  • 3 Beds
  • 2 Baths
  • 2,108 Sq Ft

  3841 Rollingwood Dr, Chattanooga, TN 37406

  A timeless treasure awaits you at 3841 Rollingwood Dr. Welcome to this solid and spacious three bedroom, two bathroom home nestled in a quiet, well-established neighborhood. This is a move-in ready, one owner home that has been lovingly maintained throughout the years. Brimming with character and promise, this home offers a fantastic opportunity to make it your own with a few cosmetic

  Jason Carr Real Estate Partners Chattanooga LLC

  

  3841 Rollingwood Dr, Chattanooga, TN 37406
• 

  

  /19

  $279,400

  • 3 Beds
  • 2 Baths
  • 1,504 Sq Ft

  1339 Woodmore Ln, Chattanooga, TN 37411

  *NEW ROOF AUG 2025*Welcome to your next chapter in a vibrant Chattanooga neighborhood! This charming 3-bedroom, 2-bathroom home offers comfortable living just minutes from local gems like Boyd Buchanan School, Noble Worm Organics, and Airport Plaza. Whether you're tending a garden or tossing a ball around, the generous lot gives you room to grow—figuratively and literally. Inside, the layout

  Melissa LeBlanc Real Estate 9, LLC

  

  1339 Woodmore Ln, Chattanooga, TN 37411
• 

  

  /102

  $569,000

  • 6 Beds
  • 4 Baths
  • 3,643 Sq Ft

  2046 N Concord Rd, Chattanooga, TN 37421

  **48 Hour First Right of Refusal**Welcome to 2046 N Concord Rd—a rare opportunity to own an updated home on 1.3 acres in one of Chattanooga's most convenient and sought-after locations. With 5 bedrooms and 4 full bathrooms, this spacious residence offers flexibility, privacy, and room to grow.Step inside and you'll find a well-designed layout perfect for both everyday living and

  Tracy Denton EXP Realty LLC

  

  2046 N Concord Rd, Chattanooga, TN 37421
• 

  

  /60

  $600,000

  • 4 Beds
  • 3.5 Baths
  • 3,651 Sq Ft

  2411 Woolson Rd, Chattanooga, TN 37406

  North Missionary Ridge home on a 1.39 +/- acre lot. Built in 1965, this one level home over a daylight basement is situated quiet street off of North Crest Rd with only 3 other houses and features a traditional, yet versatile floor plan, hardwoods and tile, crown moldings, great natural lighting throughout, the primary on the main level, a detached double garage and winter views. Mostly brick

  Jay Robinson Keller Williams Realty

  

  2411 Woolson Rd, Chattanooga, TN 37406

Showing Results 481 - 520, Page 13 of 17