Comal County TX Homes under $500,000

• 

  

  

  /15

  $443,990 New Construction

  • 4 Beds
  • 3 - 6 Baths
  • 2,186 Sq Ft

  Hale Plan at Veramendi, New Braunfels, TX 78132

  The Hale floorplan offers a thoughtful layout that caters to a variety of lifestyle needs. This two-story home includes four bedrooms and three bathrooms, providing ample living space for family and guests. The heart of the home, the main level, features an inviting kitchen that opens into the dining and living areas, creating a seamless flow perfect for entertaining. A convenient bedroom and

  

  Coventry Homes

  Builder

  1880 Bighorn Trail Unit 36270127, New Braunfels, TX 78132
• 

  

  

  /28

  $432,990 New Construction

  • 4 Beds
  • 3 - 6 Baths
  • 2,838 Sq Ft

  Devers Plan at Sunflower Ridge, New Braunfels, TX 78130

  The Devers floor plan seamlessly blends functionality and charm in a thoughtfully designed two-story layout. With four spacious bedrooms and three well-appointed bathrooms, this home is ideal for accommodating families or hosting guests. The first floor opens into an inviting living area that seamlessly transitions into the kitchen and dining spaces, fostering an environment perfect for social

  

  Coventry Homes

  Builder

  695 Sunforest Ln Unit 36270113, New Braunfels, TX 78130
• 

  

  

  /30

  $416,990 New Construction

  • 4 Beds
  • 2.5 Baths
  • 2,297 Sq Ft

  Riviera Plan at Veramendi, New Braunfels, TX 78132

  The Riviera floorplan offers an inviting two-story design, blending functionality and style. Featuring four spacious bedrooms and two and a half bathrooms, this layout is tailored to accommodate both everyday living and special occasions. The open-concept main floor boasts a well-appointed kitchen, seamlessly connecting to the living and dining areas, ideal for hosting and family gatherings.

  

  Coventry Homes

  Builder

  1880 Bighorn Trail Unit 36270074, New Braunfels, TX 78132
• 

  

  

  /29

  $406,990 New Construction

  • 4 Beds
  • 2 - 4 Baths
  • 1,673 Sq Ft

  Leona Plan at Veramendi, New Braunfels, TX 78132

  The Leona floorplan is a charming one-story design that perfectly combines space and convenience. Boasting 4 bedrooms and 2 bathrooms, this home provides a versatile layout tailored to meet the needs of families or those who love hosting guests. The open design of the living areas fosters connection, with the kitchen seamlessly flowing into the dining space and family room—ideal for both everyday

  

  Coventry Homes

  Builder

  1880 Bighorn Trail Unit 36270072, New Braunfels, TX 78132
• 

  

  

  /22

  $428,081 New Construction

  • 3 Beds
  • 2.5 Baths
  • 1,979 Sq Ft

  1822 Nettletree Rd, New Braunfels, TX 78132

  The Gorgeous Kimberely plan welcomes you home with a charming front porch and 4 sides brick exterior! 2 car garage is at the back of the home. So many luxuries in this 2-story home include first floor primary bedroom and bath, laundry room, powder bath and spacious kitchen. The island is roomy enough for 5 seats and it has double ovens, pendant lights, white cabinets to the ceiling. The family

  

  Highland Homes

  Builder

  1822 Nettletree Rd, New Braunfels, TX 78132
• 

  

  /29

  $477,990 New Construction

  • 3 Beds
  • 2 - 4 Baths
  • 2,088 Sq Ft

  Asherton Plan at The Homestead, Schertz, TX 78108

  None

  

  Coventry Homes

  Builder

  2855 Reeves Ln Unit 36249795, Schertz, TX 78108
• 

  

  /29

  $426,990 New Construction

  • 4 Beds
  • 3 - 6 Baths
  • 2,490 Sq Ft

  Granbury Plan at Overlook at Creekside, New Braunfels, TX 78130

  The Granbury floor plan offers an inviting and spacious two-story layout, perfect for a growing family or those who love to host. This design includes four generously sized bedrooms and three well-appointed bathrooms, providing ample comfort and convenience for everyone in the household. The first floor welcomes you with a thoughtfully planned living area that seamlessly connects to a modern

  

  Coventry Homes

  Builder

  3214 Wild Iris Unit 36228091, New Braunfels, TX 78130
• 

  

  /24

  $414,990 New Construction

  • 3 Beds
  • 2.5 Baths
  • 2,051 Sq Ft

  Parker Plan at Mayfair, New Braunfels, TX 78130

  The Parker floorplan is a beautifully designed one-story home that offers the perfect blend of style and practicality. Featuring three bedrooms and two-and-a-half bathrooms, this layout provides a welcoming space for both relaxation and entertaining. The heart of the home is the open-concept living area, where the kitchen flows effortlessly into the dining and family rooms, creating a bright and

  

  Coventry Homes

  Builder

  322 Cleveland Way Unit 36228075, New Braunfels, TX 78130
• 

  

  /29

  $429,990 New Construction

  • 3 Beds
  • 2 - 4 Baths
  • 2,088 Sq Ft

  Asherton Plan at Mayfair, New Braunfels, TX 78130

  None

  

  Coventry Homes

  Builder

  322 Cleveland Way Unit 36227996, New Braunfels, TX 78130
• 

  

  /29

  $459,990 New Construction

  • 4 Beds
  • 3 - 6 Baths
  • 2,545 Sq Ft

  Granbury Plan at Mayfair, New Braunfels, TX 78130

  The Granbury floor plan offers an inviting and spacious two-story layout, perfect for a growing family or those who love to host. This design includes four generously sized bedrooms and three well-appointed bathrooms, providing ample comfort and convenience for everyone in the household. The first floor welcomes you with a thoughtfully planned living area that seamlessly connects to a modern

  

  Coventry Homes

  Builder

  322 Cleveland Way Unit 36227980, New Braunfels, TX 78130
• 

  

  /14

  $466,990 New Construction

  • 4 Beds
  • 2.5 Baths
  • 2,579 Sq Ft

  Woodlake Plan at Mayfair, New Braunfels, TX 78130

  The Woodlake floorplan is an elegant two-story design that seamlessly combines practicality with charm. This spacious home offers four bedrooms and two and a half bathrooms, providing ample room for family and guests. The first floor invites you into a thoughtfully designed living space, perfect for both everyday living and entertaining. An open-concept layout connects the kitchen, dining area,

  

  Coventry Homes

  Builder

  322 Cleveland Way Unit 36227954, New Braunfels, TX 78130
• 

  

  /16

  $449,990 New Construction

  • 4 Beds
  • 3 - 6 Baths
  • 2,465 Sq Ft

  Bryan Plan at Mayfair, New Braunfels, TX 78130

  The Bryan floor plan is a beautifully designed single-story home offering four bedrooms and two bathrooms, perfectly blending style and functionality. This layout caters to a variety of lifestyles, providing a spacious and comfortable living environment for families or those who enjoy having extra space. The heart of the home is the open-concept living area, where the kitchen seamlessly

  

  Coventry Homes

  Builder

  322 Cleveland Way Unit 36227944, New Braunfels, TX 78130
• 

  

  /30

  $405,000 New Construction

  • 5 Beds
  • 3.5 Baths
  • 2,677 Sq Ft

  The Landry Plan at Copper Canyon, Bulverde, TX 78163

  The Landry is one of our larger floor plans. This layout features two-stories, 2678 square feet, 5 bedrooms, and 3.5 bathrooms. The covered front patio opens into a foyer, utility room, and beautiful formal dining room with natural light. The dining room leads into an open concept kitchen with stainless steel appliances, granite countertops, white subway tile backsplash, and angled kitchen island

  

  D.R. Horton

  Builder

  29504 Copper Crossing Unit 36203469, Bulverde, TX 78163
• 

  

  /29

  $401,000 New Construction

  • 5 Beds
  • 2.5 Baths
  • 2,539 Sq Ft

  The Lombardi Plan at Copper Canyon, Bulverde, TX 78163

  The Lombardi is a two-story, 2539 square foot, 5-bedroom, 2.5 bathroom, 2-car garage layout. A deep-set, covered porch opens to a foyer, formal dining room, and powder room. A butler entry connects the dining room and spacious kitchen lined with abundant cabinet and counterspace. Classic white subway tile backsplash is a perfect accent. The large kitchen island faces the family room. The private

  

  D.R. Horton

  Builder

  29504 Copper Crossing Unit 36203468, Bulverde, TX 78163
• 

  

  /10

  $423,990 New Construction

  • 3 Beds
  • 2 Baths
  • 1,996 Sq Ft

  3064 Pike Dr, Canyon Lake, TX 78132

  The Allen offers a beautiful open-concept layout with a sizeable, secluded primary suite. The teen room and front flex space offer endless design possibilities. Enjoy convenient extra storage space in the garage entry area.

  

  Meritage Homes

  Builder

  3064 Pike Dr, Canyon Lake, TX 78132
• 

  

  /15

  $449,000

  • Land
  • 11 Acres
  • $42,398 per Acre

  310 Hunter Hills Dr, New Braunfels, TX 78132

  310 Hunter Hills Dr is a 10.59-acre gem just 3 miles from historic Gruene, TX. This scenic property features a seasonal creek, pond, orchard area, and mature oaks, offering peaceful hill country views. It's fenced with a private well, and electricity at the street. Multiple cleared areas offer ideal building sites for a custom home, weekend getaway. Enjoy the quiet of country living with the

  Mock Group

  310 Hunter Hills Dr, New Braunfels, TX 78132
• 

  

  /15

  $470,000

  • 3 Beds
  • 3.5 Baths
  • 2,676 Sq Ft

  869 Kindersley St, Canyon Lake, TX 78133

  Welcome to 869 Kindersleya beautiful 3-bedroom, 3 1/2 -bath home tucked away in the heart of Canyon Lake. This thoughtfully designed property blends modern comfort with Texas charm, making it the perfect full-time residence, vacation home, or short-term rental investment.Step inside to find an inviting open-concept living space beautiful views of the Texas Hill Country. The stylish

  Mock Group

  869 Kindersley St, Canyon Lake, TX 78133
• 

  

  /5

  $425,000

  • Land
  • 5.00 Acres
  • $85,000 per Acre

  200 Mitchell Dr, Spring Branch, TX 78070

  **The Estates at Mitchell Ranch Premier Hill Country Living | 517 Acre Homesites | Gated | Views | Clubhouse | Comal County, TX****Property Overview:**Welcome to **The Estates at Mitchell Ranch**, an exclusive large-acreage community offering 5 to 7-acre homesites in the heart of the Texas Hill Country. Located between Bulverde and Spring Branch, this gated subdivision features

  Phil Zaccaria

  200 Mitchell Dr, Spring Branch, TX 78070
• 

  

  /34

  $425,000

  • 4 Beds
  • 3 Baths
  • 2,290 Sq Ft

  1435 Redwood Rd, Fischer, TX 78623

  Nestled in the heart of the Texas Hill Country, this 4-bedroom, 3-bath home just minutes from Canyon Lake, TX. Situated on right over 1/2 acre, This home offers breathtaking views from its large back porch of the surrounding landscape. The Modern Farmhouse / Hill Country charm is evident from open-concept living spaces filled with natural light. The living room features large windows and a

  Maxwell Ramsey Keller Williams Brazos West

  1435 Redwood Rd, Fischer, TX 78623
• 

  

  /31

  $499,000

  • 3 Beds
  • 2.5 Baths
  • 1,946 Sq Ft

  1528 Connie Dr, Canyon Lake, TX 78133

  Turnkey Hill Country Retreat - Ready for Short term rental! Don't miss this rare opportunity to own a beautifully designed home in the highly desirable Canyon Lake Village West. Whether you're looking for a full-time residence, vacation getaway, or proven short-term rental, this property is ready to impress. The home features a flexible modern floor plan with dual primary suites-one upstairs and

  Toby Vicknair Texas Ranches For Sale

  1528 Connie Dr, Canyon Lake, TX 78133
• 

  

  /38

  $465,000

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

  178 Mary Ann Dr, Canyon Lake, TX 78133

  Aspire into this two-story residence nestled just around the corner from the coveted Canyon Lake, offering 3 bedrooms and 2.5 bathrooms with 2,344 square feet of thoughtfully designed living space. Step inside on the lower level and be welcomed by a generous game room, seamlessly connected to the front covered porch-a perfect retreat for quiet mornings or casual gatherings. Adjacent to the game

  Andres Fernandez NB Elite Realty

  178 Mary Ann Dr, Canyon Lake, TX 78133
• 

  

  /39

  $449,900

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

  432 Sweetleaf Ln, New Braunfels, TX 78132

  Welcome to 432 Sweetleaf Lane, a beautifully maintained single-story home in one of New Braunfels’ most desirable communities-Veramendi. This 3-bedroom, 2-bath home features an open-concept layout with wood-look tile flooring, abundant natural light, and a warm, inviting feel throughout. The stylish kitchen boasts granite countertops, stainless steel appliances, shaker cabinetry, and a spacious

  Stephanie Jameson Sister Rivers Realty, LLC

  432 Sweetleaf Ln, New Braunfels, TX 78132
• 

  

  /20

  $450,000

  • 4 Beds
  • 2.5 Baths
  • 3,526 Sq Ft

  3137 Birch Bend, New Braunfels, TX 78130

  Welcome to 3137 Birch Bend, a spacious 4 bedroom, 2.5 bath complete with office and flex room, offers 3,526 square feet of comfortable living in the highly desirable Highland Grove community of New Braunfels. Built in 2014 by Ryland Homes, this two-story residence sits proudly on a corner lot and features a three-car garage, multiple living areas, and generous room sizes designed to fit the needs

  Shelby Renfeld Keller Williams Heritage

  3137 Birch Bend, New Braunfels, TX 78130
• 

  

  /9

  $450,000

  • 4 Beds
  • 3 Baths
  • 2,637 Sq Ft

  3210 Roan St, New Braunfels, TX 78130

  Welcome to 3210 Roan St in the sought-after Highland Grove community of New Braunfels, TX, a beautifully maintained 4-bedroom, 3-bath home offering 2637 sqft of thoughtfully designed living space. Built in 2022 and tucked away on a quiet cul-de-sac, this two-story home features an open-concept layout with high ceilings, a spacious island kitchen with stainless steel appliances, gas cooking, and a

  Xaveria Tucker Princely Realty Group LLC

  3210 Roan St, New Braunfels, TX 78130
• 

  

  /29

  $450,000

  • 3 Beds
  • 2 Baths
  • 1,796 Sq Ft

  1364 Cedar Elm St, New Braunfels, TX 78132

  This farmhouse-style retreat rests on just over an acre in New Braunfels, offering more than 1,700 square feet of inviting living space surrounded by mature oaks. Built in 1952, the home blends timeless character with modern updates for comfortable everyday living. Step inside to find a light-filled interior with fresh finishes, hardwood floors, and modern touches throughout.The heart of

  Ginger Browning Kuper Sotheby's Intl RTY - NB

  1364 Cedar Elm St, New Braunfels, TX 78132
• 

  

  /31

  $460,000

  • 5 Beds
  • 4 Baths
  • 2,733 Sq Ft

  3778 Brahman Rd, Bulverde, TX 78163

  Experience the perfect blend of comfort and modern living at 3778 Brahman Rd, nestled in the sought-after Johnson Ranch community of Bulverde, TX. This spacious SOLAR powered (paid off), 5-bedroom, 4-bathroom home offers 2,733 square feet of thoughtfully designed living space on a 9,278 sq ft lot. Built in 2015, the residence features an open-concept layout with a gourmet kitchen equipped with

  Nicholas Brumgard Global Realty Group

  3778 Brahman Rd, Bulverde, TX 78163
• 

  

  /31

  $449,999

  • 4 Beds
  • 3 Baths
  • 1,953 Sq Ft

  1607 Seekat Dr, New Braunfels, TX 78132

  This immaculate Highland Home affords remarkable privacy and elegant upgrades throughout. It backs to open Hill Country, sits next to an HOA lot that will never be built on, and boasts a tastefully upgraded kitchen, a gas fireplace and an enlarged primary shower and closet to maximize comfort and luxurious living. You'll love this home, nestled in Meyer Ranch with sprawling walking trails, pools,

  Joseph Terrones Joe's Dream Homes

  1607 Seekat Dr, New Braunfels, TX 78132
• 

  

  /29

  $475,000

  • 3 Beds
  • 2 Baths
  • 1,622 Sq Ft

  570 La Paloma Dr, Canyon Lake, TX 78133

  Beautifully Maintained 3/2/2 Home on Nearly an Acre - Prime Location! This lovingly cared-for home offers the perfect blend of comfort, convenience, and low-maintenance living. Situated on a spacious cul-de-sac lot just under an acre, this 3-bedroom, 2-bathroom, 2-car garage home features stained concrete floors throughout, high ceilings, and custom cabinetry - combining durability with style.

  Tina Morris Keller Williams Heritage

  570 La Paloma Dr, Canyon Lake, TX 78133
• 

  

  /27

  $450,000

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

  1477 Lavaca, Canyon Lake, TX 78133

  Welcome to 1477 Lavaca, a charming Hill Country retreat in the heart of Canyon Lake. This 3-bedroom, 2.5-bathroom home sits on over half an acre and offers a spacious layout filled with natural light and warm, inviting finishes. The open-concept living area features a cozy stone fireplace and flows seamlessly into the dining space and kitchen, where ample cabinetry and counter space make cooking

  Clay Byrne Keller Williams Realty

  1477 Lavaca, Canyon Lake, TX 78133
• 

  

  /40

  $479,000

  • 2 Beds
  • 2 Baths
  • 1,135 Sq Ft

  540 River Run Unit 102, New Braunfels, TX 78132

  Enjoy a Piece of the Guadalupe River!Go to youtube 540 River Run 102 to see videos of this condo.Welcome to 540 River Run 102 – your front-row seat to Texas Hill Country’s most beloved vacation destination. Whether you’re seeking a weekend escape, short-term rental investment, or a full-time retreat, this ground-floor condo places you steps from the river’s edge and in the heart of New

  Donna Tappan Coldwell Banker D'Ann Harper,

  540 River Run Unit 102, New Braunfels, TX 78132
• 

  

  /30

  $450,000

  • 3 Beds
  • 2 Baths
  • 1,716 Sq Ft

  853 Crossbow Dr, Canyon Lake, TX 78133

  Discover the perfect blend of tranquility, craftsmanship and convenience in your custom-designed, single story, 3 bedroom, 2 bath home lodg edamong mature oak trees and tucked away on a spacious .65+/- -acre lot. This inviting ranch-style home is in the perfect setting and offers a rare combination of privacy, functionality, potential, and room to breathe! The inviting open-concept floor plan is

  Marty Chrisman Chrisman Realty Group

  853 Crossbow Dr, Canyon Lake, TX 78133
• 

  

  /45

  $444,900

  • 4 Beds
  • 3.5 Baths
  • 3,093 Sq Ft

  410 Shelton Pass, Cibolo, TX 78108

  *MOTIVATED SELLER* Welcome to this beautifully finished home in the sought-after community just inside Cibolo, part of the North East San Antonio metro area. Only two years old, and with no city taxes, this residence offers a perfect blend of modern comfort, style, and thoughtful energy efficiency. Step inside through the grand two-story foyer and you'll find a dedicated private study ideal for

  Marcela Crouch Exit 4 Texas

  410 Shelton Pass, Cibolo, TX 78108
• 

  

  /28

  $455,000

  • 3 Beds
  • 2 Baths
  • 1,953 Sq Ft

  1163 Fox Run Cir, New Braunfels, TX 78130

  THIS GORGEOUS IN VILLAGE ROYAL HAS GONE THROUGH A COMPLETE TRANSFORMATION. THE REMODEL CONTAINED, BUT NOT LIMITED TO THE FOLLOWING: NEW WINDOWS, FLOORING, KITCHEN EXPANSION, BATHROOMS, PAINT, DECK, ELECTRIC AND WATER FIXTURES, PAINT, ETC.. THE ISLAND KITCHEN OPENS TO THE DINING/LIVING AREA AND FEATURES AN ISLAND, QUARTZ COUNTERS, SUBWAY TILE BACKSPLASH, AND STAINLESS APPLIANCES. THE

  Heath Anders Anders Pierce Realty, LLC

  1163 Fox Run Cir, New Braunfels, TX 78130
• 

  

  /29

  $444,900

  • 3 Beds
  • 2 Baths
  • 1,746 Sq Ft

  1041 Madrone Rd, Fischer, TX 78623

  Experience Hill Country living at its finest with this stunning home on a spacious 0.50-acre lot in the highly desirable Ranch Del Lago subdivision. From the moment you step inside, you're welcomed by an open floor plan filled with natural light, soaring ceilings, and a striking stone fireplace that anchors the living space. The kitchen is designed to impress, featuring granite countertops, a

  Asher Felcoff Orchard Brokerage

  1041 Madrone Rd, Fischer, TX 78623
• 

  

  /18

  $445,000

  • 3 Beds
  • 2 Baths
  • 1,570 Sq Ft

  2239 Cotton Blvd, New Braunfels, TX 78130

  Charming Hill Country Gem Just Steps from Historic Gruene Nestled in the heart of Cotton Crossing, this delightful 3-bedroom, 2-bath home offers the perfect blend of privacy, charm, and convenience-all just a short stroll from the vibrant heart of Gruene. Set in a peaceful neighborhood with beautiful mature trees that provide natural shade and a tranquil atmosphere, this move-in-ready beauty

  Jessica Phillips Keller Williams Heritage

  2239 Cotton Blvd, New Braunfels, TX 78130
• 

  

  /18

  $450,000

  • 3 Beds
  • 2 Baths
  • 1,701 Sq Ft

  Unlisted Address

  Discover the perfect blend of style and functionality in this beautifully maintained 3-bedroom, 2-bath home nestled in the heart of New Braunfels. Featuring an open-concept layout and a flexible bonus space, this home offers the versatility to create your ideal living environment.The chef’s kitchen is a true centerpiece—designed for both everyday cooking and entertaining. With extended

  Cheryl Ruiz LPT REALTY LLC

  Unlisted Address
• 

  

  /42

  $457,000

  • 4 Beds
  • 2 Baths
  • 2,330 Sq Ft

  1265 Bob White Dr, Spring Branch, TX 78070

  2,330 sq ft, 4 bedroom 2 bath. Beautiful large lot in quiet subdivision in great location. Community Pool, boat ramp to Canyon Lake, community fishing lake and great neighborhood park. Large 2 car garage, 2 driveways, great metal fencing around large yard. Front porch with beautiful trees. Extra store room on garage, sprinkler system, walk in closets and alarm system with cameras. Recently

  Joseph Lewis Land & Ranch Realty

  1265 Bob White Dr, Spring Branch, TX 78070
• 

  

  /40

  $450,000

  • 3 Beds
  • 2.5 Baths
  • 2,189 Sq Ft

  2712 Crest Ridge, New Braunfels, TX 78132

  ***Preferred Lender offering rate buydowns and closing costs assistance.*** Custom 3-Bed, 2.5-Bath Open Concept Home in Desirable New Braunfels! Step into comfort and elegance in this beautifully designed 3-bedroom, 2.5-bath single-story home. With an open-concept layout and thoughtfully planned spaces throughout, this home offers a perfect blend of function and style. The over sized

  Ricardo Salinas eXp Realty

  2712 Crest Ridge, New Braunfels, TX 78132
• 

  

  /34

  $450,000

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

  1560 Roadrunner Ln, Canyon Lake, TX 78133

  Nestled in the heart of the Hill Country, this 3-bedroom, 3-bath home is the perfect retreat for those seeking both comfort and functionality. From its thoughtful design to its desirable location near Canyon Lake, this property has it all. The kitchen has plenty of counter space and a butler's pantry for added convenience and storage. The mudroom offers a perfect place for dropping off shoes,

  Steven Boyet Vortex Realty

  1560 Roadrunner Ln, Canyon Lake, TX 78133
• 

  

  /26

  $449,500

  • 3 Beds
  • 2 Baths
  • 2,114 Sq Ft

  115 Tommy Dr, Canyon Lake, TX 78133

  Lakeside Living at Its Finest! Lake View & Hill Country Views! PLUS--Extensive Remodel in 2021! Kitchen countertops! Bathrooms! Flooring! Paint throughout, Including the garage--Fans and Light fixtures--Concrete in Front & Back--Retaining walls in the front--Balcony posts--Landscaping--Refrigerator....and more! Step into a life of tranquility and charm with this breathtaking home in the

  Cherie Sisneros EXIT Realty Advisors

  115 Tommy Dr, Canyon Lake, TX 78133

Showing Results 121 - 160, Page 4 of 15