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Homes for Sale in Colorado - Adu

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  • /36

    $895,000

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

    1600 Balsam St, Lakewood, CO 80214

    This beautifully updated and meticulously maintained home is centrally located in the highly sought-after Morse Park neighborhood. Featuring an open floor plan, the home offers 3 spacious bedrooms and 2.5 modern bathrooms. Recent upgrades include newer stainless-steel appliances, a built-in dry bar with beverage fridge, new central A/C, a tankless water heater, new garage door, energy-efficient

    Leslie Maginn West and Main Homes Inc

    1600 Balsam St, Lakewood, CO 80214
  • /50

    $524,000

    • 2 Beds
    • 2 Baths
    • 1,727 Sq Ft

    123 Halley's Ave Unit B, Salida, CO 81201

    Welcome to 123 Halley’s Avenue—an inviting newer townhome tucked away on a quiet street in desirable Poncha Springs, offering flexible live/work potential. The exterior showcases beautiful stonework, stylish sconce lighting, and professional landscaping. Enjoy outdoor living with a covered front patio, on one of the 2 upper balconies or in a private, fenced backyard featuring a mature apple tree.

    Mike Hawley Colorado Mountain Realty

    123 Halley's Ave Unit B, Salida, CO 81201
  • /35

    $484,000

    • 2 Beds
    • 1 Bath
    • 699 Sq Ft

    3615 N Saint Paul St, Denver, CO 80205

    $15K in free GRANT money*This amazing remodeled home allows you to take advantage of the Community Reinvestment Act (CRA) programs, providing Grant Money*Flex or Visitor space could be in your future with new garage plumbing for your future ADU*This welcoming, thoughtfully designed residence is truly move-in ready*Begin hosting summer gatherings in this fully remodeled two-bedroom, one-bathroom

    Kimberly Ryan Cityscape Properties LLC

    3615 N Saint Paul St, Denver, CO 80205
  • /12

    $85,000

    • Land
    • 3,484 Sq Ft
    • $1,062,500 per Acre

    10808 Bristlecone Ave Unit 16, Poncha Springs, CO 81242

    Poncha Meadows 2 – Gateway to Rocky Mountain Living! Following the sold-out success of Poncha Meadows 1, Poncha Meadows 2 is poised to be just as sought-after! Nestled in the heart of Poncha Springs and minutes from historic downtown Salida, this thoughtfully planned community offers affordable home sites with public utilities, stunning mountain views, and future parks and picnic areas — the

    Susan Dempsey-Hughes Pinon Real Estate Group LLC

    10808 Bristlecone Ave Unit 16, Poncha Springs, CO 81242
  • /37

    $699,900

    • 3 Beds
    • 2.5 Baths
    • 1,299 Sq Ft

    834 E 4th Ave, Durango, CO 81301

    Charming Durango Avenue Opportunity – First Time on the Market in 35 Years! Sweet & charming main home and an accessory dwelling unit, offering wonderful opportunity for the dreamer, the DIYer, those looking to live on the grid. Main home features 2 bedrooms, 1.5 bathrooms, with a pleasant layout and timeless charm. Enjoy mornings on the inviting front porch, evenings in the large backyard, set

    Lauren Ammerman The Wells Group of Durango, LLC

    834 E 4th Ave, Durango, CO 81301
  • /50

    $1,099,000

    • 4 Beds
    • 3 Baths
    • 2,361 Sq Ft

    716 Minter Ave, Glenwood Springs, CO 81601

    Downtown Glenwood Springs Gem with ADU & Incredible Outdoor LivingLocated in the heart of Downtown Glenwood Springs, this beautifully remodeled 3-bedroom, 2-bath home with a separate 1-bedroom, 1-bath ADU offers the perfect blend of modern comfort, income potential, and unbeatable walkability.Both the main residence and the ADU have been extensively remodeled within the past three years,

    Kent Lohse RE/MAX Country GWS

    716 Minter Ave, Glenwood Springs, CO 81601
  • /29

    $975,000

    • 3 Beds
    • 2 Baths
    • 1,684 Sq Ft

    4335 Decatur St, Denver, CO 80211

    Coveted Neighborhood, Extraordinary Lot, and a Garage That Changes Everything - 8,000 sq ft lot - 1,000 sq ft garage. Start the morning on your covered front porch, coffee in hand, watching one of Denver's most beloved neighborhoods come alive. This is a lifestyle that buyers spend years searching for, and it's yours from day one. Step inside and warm wood floors guide you through a main level

    Stock Jonekos Kentwood Real Estate Cherry Creek

    4335 Decatur St, Denver, CO 80211
  • /13

    $395,000

    • Land
    • 13,068 Sq Ft
    • $1,316,667 per Acre

    1475 Davis Ct, Erie, CO 80516

    Bring your dream home to life on this exceptional cul-de-sac lot, gracefully nestled among distinguished custom homes in the highly sought-after Erie Village community. Perfectly positioned to capture unobstructed, panoramic mountain views and backing to peaceful open space, this rare offering promises unrivaled privacy and an inspiring natural backdrop. Imagine waking each morning to majestic

    Mindy Nassar Compass Colorado, LLC - Boulder

    1475 Davis Ct, Erie, CO 80516
  • /47

    $699,000

    • 3 Beds
    • 3 Baths
    • 2,635 Sq Ft

    402 E Uintah St, Colorado Springs, CO 80903

    Exquisite 4 bedroom/3 bath fully renovated 1905 home in the prestigious Old North End, thoughtfully blending historic character with refined modern updates. Recent updates include a striking modern fireplace in the main living room, a custom spiral staircase, a charming library/music room with built-in shelving, and a beautifully designed outdoor living space. The fully landscaped yard is

    Dawn StClair Dawn StClair

    402 E Uintah St, Colorado Springs, CO 80903
  • /42

    $1,125,000

    • 4 Beds
    • 3.5 Baths
    • 2,689 Sq Ft

    8510 Bruns Dr, Fort Collins, CO 80525

    Beautifully remodeled 4-bedroom, 4-bath home on just under an acre in the coveted Bruns Estates near Fort Collins. This home offers vaulted ceilings and an open floor plan that create a bright, spacious feel throughout the main living areas. The property provides space, privacy, and mature landscaping in a peaceful setting. Enjoy the welcoming front porch, private back patio, and a primary suite

    Alexis Foster Group Centerra

    8510 Bruns Dr, Fort Collins, CO 80525
  • /47

    $975,000

    • 3 Beds
    • 2.5 Baths
    • 2,647 Sq Ft

    895 Elk Meadow Ct, Estes Park, CO 80517

    Tucked in a tranquil, private neighborhood, this property offers the perfect balance of seclusion and convenience-just minutes from downtown Estes Park and Rocky Mountain National Park. Enjoy your own front-row seat to local wildlife as the home sits along a natural migration path. This thoughtfully designed 3-bedroom home features a vaulted great room with a moss rock gas fireplace, creating a

    Mary E Murphy First Colorado Realty

    895 Elk Meadow Ct, Estes Park, CO 80517
  • /3

    $75,000

    • Land
    • 10,898 Sq Ft
    • $299,760 per Acre

    332 Catalina Dr, Colorado Springs, CO 80906

    Large lot. Great location in Stratmoor Hills. Close to Fort Carson, Cheyenne Mtn, World Arena area. No HOA, county location, easy build lot, gentle slope. Utilities at the road. Soils test available for purchase half price.Build primary residence and an ADU, this lot offers flexible options for investors, multi generational living, or those looking to create their own urban oasis. Stratmoor

    Todd Nagel Todd Nagel

    332 Catalina Dr, Colorado Springs, CO 80906
  • /45

    $592,000

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

    6777 Reeder Mesa Rd, Whitewater, CO 81527

    If you've been searching for that rare combination of open space, practical infrastructure, and a quiet life that feels genuinely removed from the noise - this is worth a long look. In Whitewater, this 24+ acre property backs directly to BLM land, giving you views in every direction and the kind of elbow room that's getting harder and harder to come by. Pull up and take it all in. The newer

    Christi Reece The Christi Reece Group

    6777 Reeder Mesa Rd, Whitewater, CO 81527
  • /29

    $325,000

    • Land
    • 2 Acres
    • $162,500 per Acre

    4343 County Road 203, Durango, CO 81301

    Discover your dream homesite in the coveted Animas Valley! Meander up 10 minutes north of town on this paved country road to this durango county setting with Red Cliff views. Under 5 minutes to Durango Hot Springs! 20-25 minutes to Purgatory Ski area. On the west side of the ditch, place your home on a flat area near a magnificent Oak and large rock outcroppings with extreme Red Cliff views. The

    Max Hutcheson The Wells Group of Durango, LLC

    4343 County Road 203, Durango, CO 81301
  • /46

    $1,199,900

    • 4 Beds
    • 4 Baths
    • 2,400 Sq Ft

    3029 Zenobia St, Denver, CO 80212

    Welcome to 3029 Zenobia—where thoughtful design, natural light, and extensive upgrades come together in one exceptional West Highland/Sloan’s Lake home. Offering 4 bedrooms, 4 bathrooms, and approximately 2,400 square feet, this fully renovated residence blends modern comfort, functionality, and flexibility. A significant 500+ square foot addition transformed the home, creating two true primary

    Sarah Wells Your Castle Realty LLC

    3029 Zenobia St, Denver, CO 80212
  • /43

    $2,650,000

    • 8 Beds
    • 6.5 Baths
    • 5,735 Sq Ft

    3360 S Columbine Cir, Englewood, CO 80113

    Recently appraised for $3,075,000. Located in the desirable Cherry Hills Heights neighborhood, situated on a corner lot w/ approx .79 acres. A graceful circular driveway along with majestic trees welcomes you to this thoughtfully renovated property featuring 2 homes w/ approx 6,148 sqft. The main house offers 5 bedrooms & 4.5 bathrooms, and the ADU offers 3 bedrooms, 2 bathrooms & a separate

    Randall Hood Mile High Real Estate Co.

    3360 S Columbine Cir, Englewood, CO 80113
  • /29

    $595,173 New Construction

    • 3 Beds
    • 2.5 Baths
    • 1,699 Sq Ft

    3588 Greenways Main Blvd, Colorado Springs, CO 80922

    Ready now! Paintbrush two-story home in Greenways at Sand Creek. 3 bedroom, 2.5 bathroom, 2 car garage home with ADU. The exterior of the house showcases a farmhouse design. The kitchen features maple cabinets in an espresso stain, elegant Bianco Sol Quartz countertops, an island for additional workspace, a pantry, and stainless steel appliances including a gas range and refrigerator. The dining

    Michael Tinlin Classic Residential Services

    3588 Greenways Main Blvd, Colorado Springs, CO 80922
  • /50

    $1,875,000

    • 4 Beds
    • 4.5 Baths
    • 4,461 Sq Ft

    4990 Black Fox Cir, Elizabeth, CO 80107

    Picturesque Luxury on 9.7 Secluded AcresNestled among towering pines on a private road, this remodeled 4-bedroom, 5-bathroom home offers a rare blend of refined luxury and pastoral serenity. Comprehensively updated with a new roof, Andersen windows, and designer fixtures throughout, the residence combines modern comfort with the beauty of the Colorado landscape.At the heart of the home is

    Dustin Griffiths RE/MAX Professionals

    4990 Black Fox Cir, Elizabeth, CO 80107
  • /23

    $440,000

    • 2 Beds
    • 1 Bath
    • 990 Sq Ft

    4301 W Kenyon Ave, Denver, CO 80236

    Welcome to 4301 W Kenyon Ave, a beautifully fully renovated home nestled in a quiet, established neighborhood in Southwest Denver. This property offers the perfect blend of modern updates, comfort, and convenience—ideal for homeowners and investors alike. Step inside to discover a bright and inviting layout featuring spacious living areas, abundant natural light, and stylish finishes throughout.

    Andy Leung eXp Realty, LLC

    4301 W Kenyon Ave, Denver, CO 80236
  • /32

    $550,000

    • 3 Beds
    • 2 Baths
    • 1,838 Sq Ft

    505 W Bijou St, Colorado Springs, CO 80905

    Downtown Colorado Springs Income-Ready Remodel with Rare ADU Flexibility. Where lifestyle, location, and income potential meet—just minutes from downtown Colorado Springs and Old Colorado City. Completely remodeled and move-in ready, this rare dual-living property offers the perfect blend of modern comfort and investment opportunity in one of the city’s most walkable and desirable locations. The

    Elizabeth Reeder Colorado Homestead Realty

    505 W Bijou St, Colorado Springs, CO 80905
  • /73

    $1,279,000

    • 4 Beds
    • 3 Baths
    • 3,734 Sq Ft

    108 Prospector Trail, Marble, CO 81623

    Live where Colorado still feels like Colorado. This beautifully remodeled mountain retreat sits in the heart of Marble -- a rare end-of-the-road alpine community surrounded by National Forest, protected views, and true tranquility. Tucked at the end of a quiet mountain road, the property offers exceptional privacy, minimal through traffic, and year-round accessibility. Less traffic. Less crowds.

    Jeremiah Akers Coldwell Banker Mason Morse-Carbondale

    108 Prospector Trail, Marble, CO 81623
  • /37

    $574,900

    • 3 Beds
    • 2 Baths
    • 1,769 Sq Ft

    3168 S Holly St, Denver, CO 80222

    Welcome to this beautifully updated move in ready home on a large 1/4 acre lot. Step outside your west facing front door to see beautiful mountain sunsets and enjoy sitting on your backyard patio by the firepit it the evenings. Situated on a safe cul-de-sac in University Hills and right across from the Highline Canal this home is in a prime centralized location. Close to the Denver Tech Center,

    Michael Harness Compass Colorado, LLC

    3168 S Holly St, Denver, CO 80222
  • /25

    $649,000

    • 2 Beds
    • 2 Baths
    • 1,506 Sq Ft

    325 W 13th St, Silverton, CO 81433

    Tucked along the quiet edge of town just three blocks from Silverton’s lively downtown, this thoughtfully updated home offers the best of mountain living—comfort, self-sufficiency, and everyday ease. Originally built in 1904, the home blends historic character with smart, practical upgrades designed for life at elevation. With three reliable heat sources—wood, propane, and electric—you’ll stay

    Beth Anderson R1 Colorado

    325 W 13th St, Silverton, CO 81433
  • /27

    $1,050,000

    • 6 Beds
    • 4 Baths
    • 4,015 Sq Ft

    724 S Flamingo Ct, Denver, CO 80246

    Spacious 4,000 Sq Ft Home in Virginia Vale, ideally located directly across from Four Mile Historic Park and just steps from the Cherry Creek Trail. This home offers an exceptional amount of space with a highly functional layout and a generous backyard. The main level features three bedrooms and two updated full bathrooms, along with a kitchen, dining area, and living room with new hardwood

    Trelora Realty Team Trelora Realty, Inc.

    724 S Flamingo Ct, Denver, CO 80246
  • /41

    $789,000

    • 3 Beds
    • 2 Baths
    • 1,836 Sq Ft

    463 Seasons Dr, Grand Junction, CO 81507

    Welcome to 463 Seasons Drive, offering front-row views of the Monument and a vibe that makes slowing down feel natural. Perfectly positioned off the 13th hole of Tiara Rado, this Redlands beauty blends golf course vibes, Colorado scenery, and smart updates into one seriously dialed-in home. Inside, you’ll find updates throughout, including refreshed paint, countertops, light fixtures, hardware,

    Reece Stanley THE CHRISTI REECE GROUP

    463 Seasons Dr, Grand Junction, CO 81507
  • /41

    $1,400,000

    • 4 Beds
    • 4 Baths
    • 3,168 Sq Ft

    923 Mesa Dr, Rifle, CO 81650

    Welcome to 923 Mesa Drive in Rifle, Colorado, where space, versatility, and breathtaking scenery come together in one exceptional property. Set on over 5 acres, this turn key home offers the perfect balance of comfort and Colorado lifestyle living. The property features a built in ADU, ideal for guests, multi generational living, or potential rental income, along with a detached three car garage

    TYLER LAROCQUE COLDWELL BANKER DISTINCTIVE PROPERTIES

    923 Mesa Dr, Rifle, CO 81650
  • /2

    $799,000 Coming Soon

    • 3 Beds
    • 2 Baths
    • 1,870 Sq Ft

    4540 N Bryant St, Denver, CO 80211

    Rarely does an opportunity this balanced arrive in Sunnyside. Anchored on an expansive 7,810SF lot—a rarity for the area—this 1924 brick bungalow offers a fusion of preserved history, recent updates, and long-term upside. Whether looking for a move-in-ready basecamp or a strategic asset, this is the quintessential Denver vision board home. Step inside to find a floor plan that honors its era with

    James Hightower Keller Williams DTC

    4540 N Bryant St, Denver, CO 80211
  • /24

    $9,990,000

    • 5 Beds
    • 6 Baths
    • 3,890 Sq Ft

    602 Mountain Laurel Dr, Aspen, CO 81611

    When only the finest accommodation will do: 602 Mountain Laurel combines the peak of modern luxury wrapped in cozy cashmere vibes. Located adjacent to iconic Red Mountain, 602 offers exceptional style, space, privacy, and value with IMAX views facing Aspen. The estate has been painstakingly curated to feel both modern and extravagant while retaining a comfortable homey atmosphere. Brand new

    Shristy Singh Aspen Home Company

    602 Mountain Laurel Dr, Aspen, CO 81611
  • /47

    $929,900

    • 6 Beds
    • 8 Baths
    • 2,913 Sq Ft

    253 Lincoln St, Denver, CO 80203

    Great location for live in/investment property in one of Denver’s hottest neighborhoods! Ready for investors or someone who would live on site and rent out the other units! Fresh new exterior and exterior paint! Upgrade bathrooms and floorings! The main floor in the main house is an expansive 3 bedroom, 2.5 bathroom home with a large living room, dining room and kitchen, washer/dryer in the unit!

    Elaine Chen Brokers Guild Real Estate

    253 Lincoln St, Denver, CO 80203
  • /2

    $516,000

    • Land
    • 12,632 Sq Ft
    • $1,779,310 per Acre

    TBD Sherman St, Ridgway, CO 81432

    Primely located as you enter Ridgway, this lot is ideal for any number of possibilities. Featuring unparallelled visibility for the investor or an oversized lot in which to build your dream downtown home steps away from shops and restaurants. Downtown Service District zoning of this property allows for both residential and business use. An investor might imagine multi unit residential, mix in

    Polly Leach Lychee Telluride Properties LLC

    TBD Sherman St, Ridgway, CO 81432
  • /22

    $775,000

    • 3 Beds
    • 2 Baths
    • 1,408 Sq Ft

    1144 E St, Salida, CO 81201

    Short walk to downtown Salida CO, this charming single-level home is move-in ready with ADU Potential!Welcome to 1144 E Street, a beautifully maintained single-level home just minutes from downtown Salida, Colorado. Blending small-town character with everyday comfort, this property offers easy main-floor living, mountain-town charm, and real versatility.Step inside to warm oak flooring

    Kim Wilcoxson HomeSmart Preferred Realty

    1144 E St, Salida, CO 81201
  • /50

    $1,395,000

    • 5 Beds
    • 3.5 Baths
    • 3,461 Sq Ft

    101 Callie Ct, Loveland, CO 80537

    Tucked into the foothills of west Loveland, this one-of-a-kind 3-acre property offers something rare: space to breathe, room to gather, and a setting designed for connection, comfort, and effortless living.The main home features over 3,400 square feet of finished living space with 5 bedrooms and 3.5 bathrooms. Thoughtfully updated, it includes fresh interior paint, newly cleaned carpet, a newer

    Lauren Haug Haug & Co Real Estate Agency LLC

    101 Callie Ct, Loveland, CO 80537
  • /50

    $1,800,000

    • 6 Beds
    • 4.5 Baths
    • 7,993 Sq Ft

    1415 N Cascade Ave, Colorado Springs, CO 80907

    Located in the heart of Colorado Springs’ Old North End, 1415 N. Cascade is more than a home, it’s a lifestyle rooted in community. Tree-lined streets, front porch conversations & easy access to downtown create a neighborhood experience that feels both connected & timeless. This home showcases enduring craftsmanship & classic architecture, surrounded by mature trees, flowering gardens, w/ space

    Hayle Black LIV Sotheby's International Realty CO Springs

    1415 N Cascade Ave, Colorado Springs, CO 80907
  • /38

    $4,750,000 New Construction

    • 8 Beds
    • 5.5 Baths
    • 4,100 Sq Ft

    119 Spruce St, Steamboat Springs, CO 80487

    Rare opportunity to own a new construction home on one of Old Town’s most desirable streets. Located on quiet, dead-end Spruce Street, just steps from Butcherknife Trail and Stehley Park and within walking distance to shops and restaurants, this exceptional property offers luxury, privacy, and convenience. The main residence features 6 Bdrms and 4.5 Ba, plus a detached 2 Bd and 1Ba ADU. High-end

    Audrey Wilbur Steamboat Sotheby's International Realty

    119 Spruce St, Steamboat Springs, CO 80487
  • /48

    $1,200,000 Open Sat 11AM - 1PM

    • 3 Beds
    • 2 Baths
    • 1,904 Sq Ft

    2815 Curtis St, Denver, CO 80205

    Historic Curtis Park Gem with Carriage House ADU on coveted Curtis Street in the heart of the Curtis Park Historic District. Situated on an oversized double lot with mature gardens, this exceptional property offers more than 2,500 square feet of finished living space across a beautifully preserved Queen Anne main residence and a charming two-story carriage house/ADU, plus a separate two-car

    John Hayden Kentwood Real Estate City Properties

    2815 Curtis St, Denver, CO 80205
  • /42

    $930,000

    • 6 Beds
    • 5 Baths
    • 3,595 Sq Ft

    1311 L 7 10 Rd, Loma, CO 81524

    UPDATE: NEW roof as April 25th 2026! What an amazing opportunity in Loma - where wide-open skies, thoughtful design, and room to really live come together beautifully. This quiet rural retreat sits on 1.58 acres and immediately welcomes you with well-planned landscaping that sets the tone for everything this property has to offer. Step inside and feel the space open up with tall ceilings and

    Karen SADLER THE CHRISTI REECE GROUP

    1311 L 7 10 Rd, Loma, CO 81524
  • /41

    $590,000

    • 4 Beds
    • 2 Baths
    • 1,562 Sq Ft

    54 Washington St, Monument, CO 80132

    Completely Remodeled Gem in the Heart of Monument! Nestled in the charming Town of Monument & beautifully remodeled 2022 home on a large, multi-family zoned lot with stunning Front Range views from the front living area. The spacious, fenced backyard offers privacy & low-maintenance landscaping. Step inside and you’ll be captivated by the design and thoughtful upgrades. The wood staircase with

    Timothy Enders Exp Realty LLC

    54 Washington St, Monument, CO 80132
  • /13

    $490,000

    • Land
    • 11,761 Sq Ft
    • $1,814,815 per Acre

    0 Sabeta Dr Unit 78, Ridgway, CO 81432

    This is the property that you have been watching to come on the market. Very special lot in Solar Ranch on the very southside!! This is a PRIME lot because it borders a conservation easement to the south that provides numerous acres of open space which will preserve the land and the views!! This particular property is zoned for an ADU. You can walk or ride your bike to all the amenities the Town

    Cathy Redmond Redmond Realty, LLC

    0 Sabeta Dr Unit 78, Ridgway, CO 81432
  • /12

    $179,000

    • Land
    • 7,405 Sq Ft
    • $1,052,941 per Acre

    10712 Bristlecone Ave Unit 1, Poncha Springs, CO 81242

    Poncha Meadows 2 – Gateway to Rocky Mountain Living! Following the sold-out success of Poncha Meadows 1, Poncha Meadows 2 is poised to be just as sought-after! Nestled in the heart of Poncha Springs and minutes from historic downtown Salida, this thoughtfully planned community offers affordable home sites with public utilities, stunning mountain views, and future parks and picnic areas — the

    Susan Dempsey-Hughes Pinon Real Estate Group LLC

    10712 Bristlecone Ave Unit 1, Poncha Springs, CO 81242
  • /12

    $175,000

    • Land
    • 7,405 Sq Ft
    • $1,029,412 per Acre

    10820 Engelmann Ave Unit 22, Poncha Springs, CO 81201

    Poncha Meadows 2 – Gateway to Rocky Mountain Living! Following the sold-out success of Poncha Meadows 1, Poncha Meadows 2 is poised to be just as sought-after! Nestled in the heart of Poncha Springs and minutes from historic downtown Salida, this thoughtfully planned community offers affordable home sites with public utilities, stunning mountain views, and future parks and picnic areas — the

    Susan Dempsey-Hughes Pinon Real Estate Group LLC

    10820 Engelmann Ave Unit 22, Poncha Springs, CO 81201

Showing Results 481 - 520, Page 13 of 18

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