535

Homes for Sale near Sandia View Academy

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  • /2

    $20,400

    • Land
    • 0.5 Acre
    • $40,800 per Acre

    4316 Ave NE Unit 17, Rio Rancho, NM 87144

    Available to current New Mexico residents only. Will require a well if water service is desired and a septic tank if wastewater is desired. The buyer must determine whether utilities and associated costs will suit their plans. No survey is available. No mineral or water rights are included in the sale. Closing costs to be paid by buyer.

    Joe R. Romero Colliers International

    4316 Ave NE Unit 17, Rio Rancho, NM 87144
  • /2

    $65,000

    • Land
    • 0.19 Acre
    • $342,105 per Acre

    3446 White Horse Dr SE, Rio Rancho, NM 87124

    Matthew DeAveiro Coldwell Banker Legacy

    3446 White Horse Dr SE, Rio Rancho, NM 87124
  • /19

    $587,995 New Construction

    • 5 Beds
    • 4 Baths
    • 3,110 Sq Ft

    3133 Alicia Ln NE, Rio Rancho, NM 87144

    Discover this must-see Yorktown home. Included features: a welcoming covered porch; a gourmet kitchen offering stainless-steel appliances, quartz countertops, a walk-in pantry and a center island; an extended morning room; a stunning primary suite showcasing an expansive walk-in closet and a private bath; a convenient laundry; a large great room; a main-floor bedroom and bathroom; an airy loft; a

    Richmond American Homes Builder
    3133 Alicia Ln NE, Rio Rancho, NM 87144
  • /18

    $509,995 New Construction

    • 4 Beds
    • 2 Baths
    • 2,220 Sq Ft

    3129 Alicia Ln NE, Rio Rancho, NM 87144

    Discover this head-turning Raleigh home. Included features: a welcoming covered porch; a spacious great room; an open dining area; a thoughtfully designed kitchen offering stainless-steel appliances, quartz countertops, a walk-in pantry and a center island; a lavish primary suite showcasing an immense walk-in closet and a private bath; a convenient laundry; a quiet study; a storage area and a

    Richmond American Homes Builder
    3129 Alicia Ln NE, Rio Rancho, NM 87144
  • /18

    $579,995 New Construction

    • 5 Beds
    • 2 Baths
    • 3,110 Sq Ft

    3113 Alicia Ln NE, Rio Rancho, NM 87144

    Welcome to this beautiful Yorktown home! Included features: a charming covered porch entry; a well-appointed kitchen with quartz countertops, stainless-steel appliances, a center island and a walk-in pantry; an airy morning room with doors to a relaxing covered patio; a convenient main-floor bedroom and full bath; a spacious loft; two upstairs bedrooms with a shared bath; and a lavish primary

    Richmond American Homes Builder
    3113 Alicia Ln NE, Rio Rancho, NM 87144
  • /17

    $519,995 New Construction

    • 4 Beds
    • 2.5 Baths
    • 2,710 Sq Ft

    3234 Matador St SE, Rio Rancho, NM 87124

    Explore this exciting Hemingway home, ready for quick move-in. Included features: a welcoming covered porch; a large great room; a gourmet kitchen offering a double oven, a walk-in pantry and a center island; a convenient laundry; an airy loft; a stunning primary suite showcasing an immense walk-in closet and a private bath; a versatile flex room; a morning room and a covered patio. This could be

    Richmond American Homes Builder
    3234 Matador St SE, Rio Rancho, NM 87124
  • /36

    $650,000 New Construction

    • 4 Beds
    • 4 Baths
    • 2,850 Sq Ft

    3035 Opalo Dr SE, Rio Rancho, NM 87124

    Ready Now! Yucca home is located in one of Rio Rancho's highly sought after Communites! Enjoy the popular Yucca home that boast natural lighting throughout with oversized windows along with the center sliding glass door. You will be amazed at the high cathedral ceiling at the gathering room! The primary suite is located on the main level. You will enjoy cooking in the upgraded chefs kitchen . The

    Wade Messenger Pulte Homes of New Mexico

    3035 Opalo Dr SE, Rio Rancho, NM 87124
  • /21

    $523,149 Open Sat 12PM - 3PM

    • 3 Beds
    • 2 Baths
    • 2,207 Sq Ft

    3027 Opalo Dr SE, Rio Rancho, NM 87124

    Ready Now! This stunning single-story Manzanita floorplan is offering stunning options and Quality Green built home. Inside the home boasts a sophisticated charm with elegant white cabinets contrasting beautifully against the upgraded quartz countertops. Both bathrooms are meticulously tiled, adding a touch of luxury to your daily routine. The kitchen is a chef's delight with built-in appliances

    Wade Messenger Pulte Homes of New Mexico

    3027 Opalo Dr SE, Rio Rancho, NM 87124
  • /24

    $403,900 New Construction

    • 3 Beds
    • 2 Baths

    1629 Saddleback Trail NE, Rio Rancho, NM 87144

    Discover the Bisbee by LGI Homes at Estrella at High Range, a charming single-story home designed with space, comfort, and functionality in mind. Featuring three bedrooms, two full bathrooms and an open-concept layout, the Bisbee offers the perfect setting for making memories with family and friends. From the spacious living room to the separate dining area and chef-inspired kitchen, every detail

    Tracy Norton LGI Homes

    1629 Saddleback Trail NE, Rio Rancho, NM 87144
  • /26

    $439,900 New Construction

    • 4 Beds
    • 2.5 Baths
    • 1,839 Sq Ft

    1533 Rawhide Loop NE, Rio Rancho, NM 87144

    Discover the Mesquite by LGI Homes at Estrella at High Range, a stunning two-story home designed for modern family living. This spacious floor plan features four bedrooms and two-and-a-half bathrooms, including a luxurious master suite with a large walk-in closet and private en-suite bath. The open-concept main floor seamlessly connects the chef-ready kitchen, separate dining room, and family

    Tracy Norton LGI Homes

    1533 Rawhide Loop NE, Rio Rancho, NM 87144
  • /24

    $411,900 New Construction

    • 3 Beds
    • 2 Baths

    1621 Saddleback Trail NE, Rio Rancho, NM 87144

    Discover the Bisbee by LGI Homes at Estrella at High Range, a charming single-story home designed with space, comfort, and functionality in mind. Featuring three bedrooms, two full bathrooms and an open-concept layout, the Bisbee offers the perfect setting for making memories with family and friends. From the spacious living room to the separate dining area and chef-inspired kitchen, every detail

    Tracy Norton LGI Homes

    1621 Saddleback Trail NE, Rio Rancho, NM 87144
  • /29

    $499,900 New Construction

    • 5 Beds
    • 3.5 Baths
    • 2,506 Sq Ft

    1545 Rawhide Loop NE, Rio Rancho, NM 87144

    Welcome to the Wellton by LGI Homes at Estrella at High Range, a spacious five-bedroom, three-and-a-half-bathroom home designed with your family's comfort and lifestyle in mind. This beautifully crafted open-concept floor plan makes everyday living effortless, with a layout that seamlessly connects the kitchen, dining, and family rooms perfect for entertaining or enjoying quality time

    Tracy Norton LGI Homes

    1545 Rawhide Loop NE, Rio Rancho, NM 87144
  • /15

    $363,900 New Construction

    • 3 Beds
    • 2 Baths
    • 1,293 Sq Ft

    1632 Saddleback Trail NE, Rio Rancho, NM 87144

    Discover the Bennett by LGI Homes at Estrella at High Range, a thoughtfully designed single-story home offering three spacious bedrooms, two full bathrooms, and an open-concept layout perfect for you and your family's lifestyle. From the moment you step inside, you'll love the flow between the living, dining, and kitchen areas--ideal for both entertaining and everyday living. With stylish

    Tracy Norton LGI Homes

    1632 Saddleback Trail NE, Rio Rancho, NM 87144
  • /15

    $363,900 New Construction

    • 3 Beds
    • 2 Baths
    • 1,293 Sq Ft

    1608 Saddleback Trail NE, Rio Rancho, NM 87144

    Discover the Bennett by LGI Homes at Estrella at High Range, a thoughtfully designed single-story home offering three spacious bedrooms, two full bathrooms, and an open-concept layout perfect for you and your family's lifestyle. From the moment you step inside, you'll love the flow between the living, dining, and kitchen areas--ideal for both entertaining and everyday living. With stylish

    Tracy Norton LGI Homes

    1608 Saddleback Trail NE, Rio Rancho, NM 87144
  • /29

    $499,900 New Construction

    • 5 Beds
    • 3.5 Baths
    • 2,506 Sq Ft

    1636 Saddleback Trail NE, Rio Rancho, NM 87144

    Welcome to the Wellton by LGI Homes at Estrella at High Range, a spacious five-bedroom, three-and-a-half-bathroom home designed with your family's comfort and lifestyle in mind. This beautifully crafted open-concept floor plan makes everyday living effortless, with a layout that seamlessly connects the kitchen, dining, and family rooms perfect for entertaining or enjoying quality time

    Tracy Norton LGI Homes

    1636 Saddleback Trail NE, Rio Rancho, NM 87144
  • /15

    $369,900 New Construction

    • 3 Beds
    • 2 Baths
    • 1,293 Sq Ft

    1600 Saddleback Trail NE, Rio Rancho, NM 87144

    Discover the Bennett by LGI Homes at Estrella at High Range, a thoughtfully designed single-story home offering three spacious bedrooms, two full bathrooms, and an open-concept layout perfect for you and your family's lifestyle. From the moment you step inside, you'll love the flow between the living, dining, and kitchen areas--ideal for both entertaining and everyday living. With stylish

    Tracy Norton LGI Homes

    1600 Saddleback Trail NE, Rio Rancho, NM 87144
  • /29

    $502,900 New Construction

    • 5 Beds
    • 3.5 Baths
    • 2,506 Sq Ft

    1604 Saddleback Trail NE, Rio Rancho, NM 87144

    Welcome to the Wellton by LGI Homes at Estrella at High Range, a spacious five-bedroom, three-and-a-half-bathroom home designed with your family's comfort and lifestyle in mind. This beautifully crafted open-concept floor plan makes everyday living effortless, with a layout that seamlessly connects the kitchen, dining, and family rooms perfect for entertaining or enjoying quality time

    Tracy Norton LGI Homes

    1604 Saddleback Trail NE, Rio Rancho, NM 87144
  • /24

    $403,900 New Construction

    • 3 Beds
    • 2 Baths
    • 1,553 Sq Ft

    1625 Saddleback Trail NE, Rio Rancho, NM 87144

    Discover the Bisbee by LGI Homes at Estrella at High Range, a charming single-story home designed with space, comfort, and functionality in mind. Featuring three bedrooms, two full bathrooms and an open-concept layout, the Bisbee offers the perfect setting for making memories with family and friends. From the spacious living room to the separate dining area and chef-inspired kitchen, every detail

    Tracy Norton LGI Homes

    1625 Saddleback Trail NE, Rio Rancho, NM 87144
  • /26

    $451,900 New Construction

    • 4 Beds
    • 2.5 Baths
    • 1,839 Sq Ft

    1612 Saddleback Trail NE, Rio Rancho, NM 87144

    Discover the Mesquite by LGI Homes at Estrella at High Range, a stunning two-story home designed for modern family living. This spacious floor plan features four bedrooms and two-and-a-half bathrooms, including a luxurious master suite with a large walk-in closet and private en-suite bath. The open-concept main floor seamlessly connects the chef-ready kitchen, separate dining room, and family

    Tracy Norton LGI Homes

    1612 Saddleback Trail NE, Rio Rancho, NM 87144
  • /29

    $469,900 New Construction

    • 4 Beds
    • 3 Baths
    • 2,257 Sq Ft

    1537 Rawhide Loop NE, Rio Rancho, NM 87144

    Discover the Somerton by LGI Homes at Estrella at High Range, a stunning two-story home designed for modern family living. This spacious floor plan offers four bedrooms and three bathrooms, including a luxurious master suite upstairs that serves as your private retreat--complete with natural light, a seamless en-suite bathroom, and an expansive walk-in closet. With an additional bedroom on the

    Tracy Norton LGI Homes

    1537 Rawhide Loop NE, Rio Rancho, NM 87144
  • /26

    $439,900 New Construction

    • 4 Beds
    • 2.5 Baths
    • 1,839 Sq Ft

    1644 Saddleback Trail NE, Rio Rancho, NM 87144

    Discover the Mesquite by LGI Homes at Estrella at High Range, a stunning two-story home designed for modern family living. This spacious floor plan features four bedrooms and two-and-a-half bathrooms, including a luxurious master suite with a large walk-in closet and private en-suite bath. The open-concept main floor seamlessly connects the chef-ready kitchen, separate dining room, and family

    Tracy Norton LGI Homes

    1644 Saddleback Trail NE, Rio Rancho, NM 87144
  • /26

    $439,900 New Construction

    • 4 Beds
    • 2.5 Baths
    • 1,839 Sq Ft

    1628 Saddleback Trail NE, Rio Rancho, NM 87144

    Discover the Mesquite by LGI Homes at Estrella at High Range, a stunning two-story home designed for modern family living. This spacious floor plan features four bedrooms and two-and-a-half bathrooms, including a luxurious master suite with a large walk-in closet and private en-suite bath. The open-concept main floor seamlessly connects the chef-ready kitchen, separate dining room, and family

    Tracy Norton LGI Homes

    1628 Saddleback Trail NE, Rio Rancho, NM 87144
  • /29

    $481,900 New Construction

    • 4 Beds
    • 3 Baths
    • 2,257 Sq Ft

    1620 Saddleback Trail NE, Rio Rancho, NM 87144

    Discover the Somerton by LGI Homes at Estrella at High Range, a stunning two-story home designed for modern family living. This spacious floor plan offers four bedrooms and three bathrooms, including a luxurious master suite upstairs that serves as your private retreat--complete with natural light, a seamless en-suite bathroom, and an expansive walk-in closet. With an additional bedroom on the

    Tracy Norton LGI Homes

    1620 Saddleback Trail NE, Rio Rancho, NM 87144
  • /29

    $469,900 New Construction

    • 4 Beds
    • 3 Baths
    • 2,257 Sq Ft

    1640 Saddleback Trail NE, Rio Rancho, NM 87144

    Discover the Somerton by LGI Homes at Estrella at High Range, a stunning two-story home designed for modern family living. This spacious floor plan offers four bedrooms and three bathrooms, including a luxurious master suite upstairs that serves as your private retreat--complete with natural light, a seamless en-suite bathroom, and an expansive walk-in closet. With an additional bedroom on the

    Tracy Norton LGI Homes

    1640 Saddleback Trail NE, Rio Rancho, NM 87144
  • /114

    $1,600,000 New Construction

    • 3 Beds
    • 4.5 Baths
    • 3,454 Sq Ft

    30 Vereda de Chapparal, Corrales, NM 87048

    Welcome to this thoughtfully designed estate that offers luxury and comfort in every detail. The chef's kitchen features a hidden butler's pantry, an oversized island for entertaining and cooking space. Custom cabinets for all your storage, built-in double oven, built-in wine chiller and mini refrigerator, and a pot filler. Kitchen flows into a spacious open living area. Enjoy outdoor living with

    Stevean Duran LPT Realty

    30 Vereda de Chapparal, Corrales, NM 87048
  • /34

    $408,990 New Construction

    • 3 Beds
    • 2 Baths
    • 1,880 Sq Ft

    Santa Rosa Plan at Tierra Del Oro, Rio Rancho, NM 87114

    Discover the Santa Rosa model, a versatile space designed to adapt beautifully to your lifestyle, whether you're relaxing with family, entertaining friends, or hosting overnight guests. This thoughtfully crafted home features open gathering areas, a flexible room, and a private owner's suite for added comfort. Highlights of this home: A covered porch and wide entry hall lead into an elegant

    Hakes Brothers Builder
    2553 Camino Azul Loop Unit 37835990, Rio Rancho, NM 87114
  • /35

    $424,990 New Construction

    • 3 Beds
    • 2.5 Baths
    • 2,119 Sq Ft

    Santa Cruz Plan at Tierra Del Oro, Rio Rancho, NM 87114

    This floor plan includes flexible living spaces and an open-concept design that make it perfect for busy days, relaxing evenings, and everything in between. From the moment you walk in, you’ll feel right at home.Highlights of this home The open kitchen, great room, and dining configuration create the ideal environment for entertaining. Flex room may be used as a game area, private study, 4th

    Hakes Brothers Builder
    2553 Camino Azul Loop Unit 37835992, Rio Rancho, NM 87114
  • /15

    $799,900 New Construction

    • 5 Beds
    • 4 Baths
    • 3,411 Sq Ft

    413 Holly Ct NE, Rio Rancho, NM 87124

    Welcome to your dream home in Rio Rancho! This new build is designed to impress from the moment you walk through the door. Featuring a spacious open floor plan, it's the perfect space for both everyday living and unforgettable entertaining.Heart of the home is the gourmet kitchen, complete with a stylish backsplash, a generous center island, room to prepare a feast for the upcoming holidays.

    Jasmine Munoz Bright House Real Estate LLC

    413 Holly Ct NE, Rio Rancho, NM 87124
  • /15

    $363,900 New Construction

    • 3 Beds
    • 2 Baths
    • 1,293 Sq Ft

    1648 Saddleback Trail NE, Rio Rancho, NM 87144

    Discover the Bennett by LGI Homes at Estrella at High Range, a thoughtfully designed single-story home offering three spacious bedrooms, two full bathrooms, and an open-concept layout perfect for you and your family's lifestyle. From the moment you step inside, you'll love the flow between the living, dining, and kitchen areas--ideal for both entertaining and everyday living. With stylish

    Tracy Norton LGI Homes

    1648 Saddleback Trail NE, Rio Rancho, NM 87144
  • /85

    $3,500,000 New Construction

    • 4 Beds
    • 4.5 Baths
    • 5,770 Sq Ft

    8601 Beverly Hills Ave NE, Albuquerque, NM 87122

    Set amid stunning natural beauty, this stunning new custom built estate captures 360 mountain and city views with modern elegance. Soaring 16-ft wood-beamed ceilings, and expansive sliding pocket doors create seamless indoor-outdoor living. The gourmet kitchen boasts custom cabinetry, quartz counters, Wolf and Sub-Zero appliances and a service pantry. The luxurious primary suite offers a spa bath

    Adrianne Baird Keller Williams Realty

    8601 Beverly Hills Ave NE, Albuquerque, NM 87122
  • /52

    $1,750,000 New Construction

    • 4 Beds
    • 3.5 Baths
    • 3,968 Sq Ft

    613 Valle Querido Ct NW, Albuquerque, NM 87114

    Contemporary Luxury home on 1 acre. Location, location, location! This stunning home sits in the heart of the North Valley within a private gated community. Offering 3968 sq ft & 6348 sq ft under roof & features 4 bedrooms (each with a walk-in closet), office, bonus/theater room and oversized finished 4 car garage. Inside enjoy 14' ceilings with natural wood beams & a grand entry tower. The

    John Castillo Southwest Elite Real Estate

    613 Valle Querido Ct NW, Albuquerque, NM 87114
  • /28

    $399,900 New Construction

    • 3 Beds
    • 2 Baths
    • 1,406 Sq Ft

    2641 Seaforth Cir NE, Rio Rancho, NM 87144

    Comfort & Elegance in Scottish Isle – Your Perfect Retreat Awaits! 3 Bedrooms | 2 Bathrooms | Upgraded Owner’s Suite | Overhead Garage Storage | Covered Patio | Granite Countertops Welcome to Scottish Isle , the newest neighborhood in Rio Rancho’s Broadmoor Corridor , where thoughtful design meets everyday comfort. This beautifully finished 3-bedroom, 2-bathroom home features an upgraded owner’s

    Abrazo Homes Builder
    2641 Seaforth Cir NE, Rio Rancho, NM 87144
  • /8

    $426,990 New Construction

    • 3 - 4 Beds
    • 2 - 2.5 Baths
    • 1,920 Sq Ft

    Escondida Plan at Tierra Del Norte, Rio Rancho, NM 87144

    Whether relaxing with family, entertaining friends, or hosting overnight guests, this home is as versatile as your lifestyle. The modern, functional design includes open gathering spaces, a flex room, and a private primary suite. Highlights of this home A covered porch and wide entry hall lead into an elegant central foyer The grand patio spans the great room and dining area, combining the

    Hakes Brothers Builder
    1601 Tierra Del Norte Loop Unit 36841831, Rio Rancho, NM 87144
  • /43

    $629,000 New Construction

    • 4 Beds
    • 3.5 Baths
    • 2,289 Sq Ft

    3073 Oculus Loop NE, Rio Rancho, NM 87144

    Welcome to your ideal home, where modern design meets everyday convenience located near schools, parks, restaurants, and shopping! This beautifully crafted property features stunning mountain views right from the front yard, creating the perfect backdrop for daily sunsets and peaceful mornings. The spacious open floor plan boasts a chef's kitchen with custom cabinetry, a statement island, and

    Sean Hellmann Keller Williams Realty

    3073 Oculus Loop NE, Rio Rancho, NM 87144
  • /59

    $990,000 Open Sun 11AM - 1PM

    • 4 Beds
    • 3.5 Baths
    • 3,248 Sq Ft

    2012 Contreras Rd NE, Rio Rancho, NM 87144

    MOTIVATED SELLER $20k credit! Mediterranean modern gem in Rio Rancho by Sunstone Estates! This custom 4-bed, 4-bath home offers 3,248 sq ft of heated living space (5,193 total). Enjoy high-end finishes, custom appliances, and elegant design throughout. The fully landscaped yard features an outdoor kitchen and stunning mountain views--perfect for entertaining. A rare blend of luxury, comfort, and

    K2 Realty Group EXP Realty, LLC

    2012 Contreras Rd NE, Rio Rancho, NM 87144
  • /9

    $539,990 New Construction

    • 4 - 5 Beds
    • 2.5 - 4.5 Baths
    • 2,920 Sq Ft

    Yorktown Plan at Vista Montebella, Rio Rancho, NM 87124

    The main floor of the Yorktown was designed for entertaining, offering an expansive great room with optional fireplace, an open dining room overlooking an optional covered patio and backyard and a well-appointed kitchen with a large center island. The garage leads to a convenient mudroom with walk-in closet, a powder room and a private study. On the second floor, there's an immense loft

    Richmond American Homes Builder
    1018 Teena Rd SE Unit 36397158, Rio Rancho, NM 87124
  • /12

    $479,990 New Construction

    • 3 - 5 Beds
    • 2 - 3 Baths
    • 2,220 Sq Ft

    Raleigh Plan at Vista Montebella, Rio Rancho, NM 87124

    You'll find plenty to love about the versatile Raleigh plan. Off the entryway, there's a spacious study that can be optioned as a dining room, an extra bedroom or even a guest suite with a full bath and walk-in closet. The center of the home boasts a large kitchen with a convenient center island and walk-in pantry. The kitchen flows into an open-concept dining room and great room, which offers

    Richmond American Homes Builder
    1018 Teena Rd SE Unit 36397130, Rio Rancho, NM 87124
  • /8

    $439,990 New Construction

    • 3 Beds
    • 2 Baths
    • 1,810 Sq Ft

    Arlington Plan at Vista Montebella, Rio Rancho, NM 87124

    Looking for a ranch-style floor plan? Put the Arlington at the top of your list! This smartly designed home offers a generous open great room, dining room and kitchen, two bedrooms with a shared bath, and a separate primary suite with private bath and walk-in closet. Conveniences like the mudroom, laundry room with optional cabinets and sink, broad kitchen island, built-in pantry and covered

    Richmond American Homes Builder
    1018 Teena Rd SE Unit 36397234, Rio Rancho, NM 87124
  • /35

    $499,990 New Construction

    • 4 Beds
    • 2.5 Baths
    • 2,520 Sq Ft

    Hemingway Plan at Vista Montebella, Rio Rancho, NM 87124

    The popular Hemingway plan greets guests with a charming covered front porch. The main floor boasts a formal living room, an inviting great room with an optional fireplace and an open dining room that flows into a gourmet kitchen with a center island and adjacent mudroom with walk-in pantry. On the second floor, you'll find a central laundry, a versatile loft and four generous bedrooms, including

    Richmond American Homes Builder
    1018 Teena Rd SE Unit 36397164, Rio Rancho, NM 87124
  • /22

    $459,990 New Construction

    • 3 Beds
    • 2 Baths
    • 1,970 Sq Ft

    Augusta Plan at Vista Montebella, Rio Rancho, NM 87124

    The ranch-style Augusta floor plan boasts ample space for entertaining, including an expansive great room with optional fireplace, a dining area and a kitchen with a center island and built-in pantry. Other notable features include a large primary suite with an attached bath and roomy walk-in closet, two guest bedrooms that share a bath, and a laundry with sink and cabinet options. Personalize

    Richmond American Homes Builder
    1018 Teena Rd SE Unit 36397103, Rio Rancho, NM 87124

Showing Results 481 - 520, Page 13 of 14

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