1,062

DeKalb County GA Homes under $400,000

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  • /28

    $350,000

    2082 Marble Arch Dr, Decatur, GA 30035

    Turnkey 5BR/3BA income-producing property with strong cash flow and solid rental history - ideal for investors seeking immediate income and long-term potential. Currently generating approximately $3,000/month at full occupancy, with tenants contributing toward utilities. This well-maintained property features spacious bedrooms, granite countertops, stainless steel appliances, all new flooring, a

    Myra Kibler Dwelli

    2082 Marble Arch Dr, Decatur, GA 30035
  • /29

    $325,000

    $20K PRICE DROP
    • 3 Beds
    • 2 Baths
    • 1,602 Sq Ft

    3581 Midway Rd, Decatur, GA 30032

    Beautifully updated and move-in ready, this 3-bedroom, 2-bathroom ranch in Decatur is one you do not want to miss. Step inside to a bright, open living area featuring wide-plank LVP flooring, crown molding, and a stunning fireplace with a floor-to-ceiling marble surround and designer slat wall accents. The space feels fresh, polished, and completely turnkey. The fully updated kitchen shines with

    Kathy DeOliveira Keller Williams Realty Partners

    3581 Midway Rd, Decatur, GA 30032
  • /17

    $373,000

    • 3 Beds
    • 3.5 Baths
    • 1,926 Sq Ft

    2170 Wiggins Walk, Atlanta, GA 30316

    **End Unit!** Beautifully maintained 3-bedroom, 3.5 bath townhome located in the gated Eastland Gates community. This spacious home features an open-concept layout with abundant natural light, a modern kitchen with updated finishes, and a seamless flow perfect for both everyday living and entertaining. Each bedroom offers its own private bathroom, providing comfort and convenience for residents

    Josh Ferrell Keller Williams Realty Atlanta Partners

    2170 Wiggins Walk, Atlanta, GA 30316
  • /30

    $359,900

    • 5 Beds
    • 3 Baths
    • 2,182 Sq Ft

    4803 Elam Rd, Stone Mountain, GA 30083

    Welcome to 4803 Elam Rd-a beautifully renovated 5-bedroom, 3-bathroom home. The main level features a spacious master suite that boasts a spacious closet and en suite bathroom with dual sinks with four additional bedrooms located upstairs to provide ample room for family or guests. The home offers a modern kitchen with brand-new cabinets and a separate dining area. Outside, a large deck provides

    Roman Chhetri Virtual Properties Realty.com

    4803 Elam Rd, Stone Mountain, GA 30083
  • /31

    $384,400

    New Construction Open Sat 10AM - 6PM $4K PRICE DROP
    • 3 Beds
    • 2.5 Baths
    • 1,857 Sq Ft

    878 Porter Ridge Ln Unit 3, Decatur, GA 30032

    Lot 3-Grey Cabinets: $7500 closing costs with preferred lender Plus Free Appliance Package ends May 31st. Move-in-Ready! Welcome to our Cabot Floor Plan, open-concept design with a chef-inspired kitchen featuring a large island, soft close cabinets and drawers, high quality stainless steel appliances, contemporary backsplash tile, & spacious pantry, all over looking an inviting great room with

    Angela Layer McKinley Properties, LLC.

    878 Porter Ridge Ln Unit 3, Decatur, GA 30032
  • /18

    $360,000

    • 5 Beds
    • 4.5 Baths
    • 4,341 Sq Ft

    6227 Windy Ridge Trail Unit 2, Lithonia, GA 30058

    Welcome to 6227 Windy Ridge Trail, a charming home offering comfort, space, and everyday convenience. Step inside to a bright, open layout designed for easy living and entertaining, with a seamless flow between the kitchen and main living areas. The spacious owner's suite provides a relaxing retreat, while additional bedrooms offer flexibility for guests, a home office, or growing needs. Enjoy a

    Robin Blass Harry Norman Realtors

    6227 Windy Ridge Trail Unit 2, Lithonia, GA 30058
  • /26

    $399,900

    • 6 Beds
    • 2 Baths
    • 2,418 Sq Ft

    1846 Joppa Ln Unit 2, Tucker, GA 30084

    Welcome to this 6 bedroom 2 bath split level home nestled on a quiet lot with a classic brick exterior. Fenced backyard has a guest house and a pool. Property is sold as is.

    Phong Huynh ATL Realty Star, LLC

    1846 Joppa Ln Unit 2, Tucker, GA 30084
  • /27

    $330,000

    • 3 Beds
    • 2.5 Baths
    • 1,524 Sq Ft

    2392 Castle Keep Way SE, Atlanta, GA 30316

    This beautifully maintained 3-bedroom, 2.5 bath townhouse offers modern living in a quiet, small community just under 15 minutes from Atlanta's vibrant downtown. Built less than 10 years ago, this total-electric home combines style, comfort and convenience. Step inside to find a spacious open-concept layout with no carpet throughout - perfect for easy maintenance and a sleek, contemporary feel.

    Barbara Dyer Keller Williams Atlanta Classic

    2392 Castle Keep Way SE, Atlanta, GA 30316
  • /2

    $370,000

    Coming Soon
    • 4 Beds
    • 2.5 Baths
    • 2,028 Sq Ft

    3614 Summit Pines, Decatur, GA 30034

    Rodolfo Castellanos Chattahoochee North, LLC

    3614 Summit Pines, Decatur, GA 30034
  • /27

    $330,000

    $10K PRICE DROP
    • 2 Beds
    • 2.5 Baths

    1468 Briarwood Rd NE Unit 901, Atlanta, GA 30319

    Welcome to Carlyle Woods, one of Brookhaven's most desirable gated communities, offering the perfect blend of comfort, convenience, and lifestyle. Residents enjoy access to top-tier amenities including a swimming pool, fitness center, dog park, and abundant green space, all just steps from Briarwood Park. This townhome-style unit lives like a true home, with no neighbors above or below, offering

    Jane McAuley Coldwell Banker Realty

    1468 Briarwood Rd NE Unit 901, Atlanta, GA 30319
  • /35

    $350,000

    $25K PRICE DROP
    • Land
    • 35,719 Sq Ft
    • $426,829 per Acre

    2924 Lavista Rd, Decatur, GA 30033

    Build your Dream Home in the Heart of Edgar Rowe Estate Neighborhood! Nestled in the Oak Grove Elementary School District on a Generous 0.82-Acre Lot, this prime piece of land offers a rare opportunity to create the home you've always envisioned. Plenty of room to build a pool and have a large yard! Enjoy having Frazier-Rowe Park as your Extended Backyard, featuring Walking Trails, Serene

    Raegan Thorp Bolst, Inc.

    2924 Lavista Rd, Decatur, GA 30033
  • /25

    $359,900

    $28K PRICE DROP
    • 4 Beds
    • 3 Baths
    • 2,818 Sq Ft

    1051 Rowland Rd, Stone Mountain, GA 30083

    SPECIAL FINANCING - LOW FIXED INTEREST RATE OPPORTUNITIES WITH FULL PRICE OFFER, THROUGH PREFERRED LENDER! Beautifully updated 4 bedroom, 3 bath home featuring fresh exterior paint, a new roof, full interior paint, new LVP flooring, and updated light fixtures. Enjoy a modern kitchen with painted cabinets, quartz counters, new sink, and a stainless appliance package. There are 2 rooms downstairs

    Marty Walsh Offerpad Brokerage, LLC.

    1051 Rowland Rd, Stone Mountain, GA 30083
  • /18

    $365,000

    $20K PRICE DROP
    • 2 Beds
    • 2 Baths
    • 1,040 Sq Ft

    112 Rogers St NE Unit 409, Atlanta, GA 30317

    Stunning 2-bedroom, 2-bathroom condo perfectly situated in the highly sought-after Pullman Flats community. Located directly across from Pullman Yards and minutes from the Atlanta BeltLine, Kirkwood Village, local parks, and some of the city’s best dining and entertainment, this home offers unmatched convenience and style. Inside, you’ll find a bright, open-concept living space with a beautiful

    Christopher Rodriguez Redfin Corporation

    112 Rogers St NE Unit 409, Atlanta, GA 30317
  • /2

    $399,000

    Coming Soon
    • 3 Beds
    • 3.5 Baths
    • 2,116 Sq Ft

    813 Ridgeland Trail, Clarkston, GA 30021

    MUST SEE! This thoughtfully updated home is ideally situated for both convenience and an active lifestyle. Recent improvements include all new kitchen cabinetry, updated lighting, a new double oven stove, dishwasher, microwave, newly constructed patio, and new furnace and air conditioning unit. A welcoming foyer with a striking chandelier creates an inviting first impression as you enter the main

    Jonnie Lopez HomeSmart

    813 Ridgeland Trail, Clarkston, GA 30021
  • /39

    $360,000

    • 4 Beds
    • 2.5 Baths
    • 2,089 Sq Ft

    4115 Creek Stone Ct, Stone Mountain, GA 30083

    .

    Stephanie Thomas Connections Realty Group Inc.

    4115 Creek Stone Ct, Stone Mountain, GA 30083
  • /26

    $385,900

    $74K PRICE DROP
    • 4 Beds
    • 2.5 Baths
    • 2,678 Sq Ft

    7207 Gladstone Cir, Stonecrest, GA 30038

    BACK ON THE MARKET! Seller is offering a reduced price on this beautiful home that blends style, space, and serenity in newer community in Stonecrest! Thoughtfully landscaped, well-maintained 4-bedroom, 2-bath gem features rich hardwood floors on the main level, granite countertops in the kitchen, 42” white cabinets, and an oversized kitchen island with double sink. In addition to a modern tile

    Micaela Benn EXP Realty, LLC.

    7207 Gladstone Cir, Stonecrest, GA 30038
  • /2

    $380,000

    • 4 Beds
    • 2.5 Baths
    • 2,270 Sq Ft

    1885 S Hampton Ln SE, Atlanta, GA 30316

    Welcome home to this beautifully located East Atlanta gem, perfectly situated just minutes from the East Lake Golf Club, vibrant shopping and dining, downtown Atlanta, and major highways for an easy commute. Located within a gated and secure community, this home offers both comfort and peace of mind in an unbeatable intown location. Inside, you’ll find warm wood flooring throughout the main

    Shuntia Walker-Colquitt EXP Realty, LLC.

    1885 S Hampton Ln SE, Atlanta, GA 30316
  • /28

    $325,000

    • 3 Beds
    • 2 Baths
    • 2,013 Sq Ft

    1030 Chapman Ln, Stone Mountain, GA 30088

    This beautifully updated 3-bedroom, 2-bathroom home offers 2,013 square feet of thoughtfully renovated living space on a spacious 0.38-acre corner lot with no HOA. Every detail has been refreshed, giving you the feel of a brand-new home without the new construction price tag. Step inside to find a bright, open layout perfect for everyday living and entertaining. The renovation spared no expense

    DAVID AJAYI HomeSmart

    1030 Chapman Ln, Stone Mountain, GA 30088
  • /47

    $339,900

    $10K PRICE DROP
    • 4 Beds
    • 2.5 Baths
    • 3,497 Sq Ft

    4527 Mill Station Trace, Lithonia, GA 30038

    OWNER RELOCATING LOOKING FOR A QUICK CLOSING on this nearly 3500 sq ft Renovated home featuring a brand-new 30 year architectural shingle roof that comes with a 7 year workmanship warranty and a 30 year manufacturer's warranty along with new gutters, this home also has a Smart Package which includes keyless entry locks on the front door and back door as well as a Smart Wi-Fi garage door opener,

    JR Johnson Alpine Properties, LLC

    4527 Mill Station Trace, Lithonia, GA 30038
  • /16

    $349,900

    • 4 Beds
    • 3.5 Baths
    • 3,016 Sq Ft

    6797 Lombard Ct, Lithonia, GA 30058

    $10K offered for cosmetic improvements and/or inspection items. Possibly if needed for other incentives. Opportunity Knocks in a Coveted Subdivision! Beautiful 4 bedroom /2.5 bath spacious home located in sought-after subdivision. Has new windows, hardwood flooring, new kitchen, new bathroom...full of upgrades!!

    Cassandra Sutton The Property Gallery LLC

    6797 Lombard Ct, Lithonia, GA 30058
  • /24

    $325,000

    $10K PRICE DROP
    • 1 Bed
    • 1 Bath
    • 870 Sq Ft

    14 Becker Place NW, Atlanta, GA 30307

    $5,000 toward closing costs! Secure your contract by May 15th to take advantage of this limited-time incentive. Better than new, Built in 2021, this beautifully appointed one-bedroom residence with a versatile bonus space/office offers a sophisticated take on modern in-town living. Designed with intention, the home features soaring ceilings, wide-plank flooring, and an open, light-filled layout

    Nicole Howard REMAX Around Atlanta

    14 Becker Place NW, Atlanta, GA 30307
  • /22

    $390,000

    • 2 Beds
    • 2 Baths
    • 1,120 Sq Ft

    140 Color Cir, Atlanta, GA 30317

    Experience the perfect blend of modern design and urban energy at 140 Color Circle, a stunning two-bedroom, two-bath townhome located in Kirkwood's vibrant Paintbox community. The interior is defined by soaring ceilings and oversized windows that flood the open-concept living space with natural light, highlighting a chef's kitchen equipped with a quartz island and stainless steel appliances.

    Aaron Grubel Bolst, Inc.

    140 Color Cir, Atlanta, GA 30317
  • /27

    $316,000

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

    2070 Mallard Way, Lithonia, GA 30058

    Attention buyers! This property is located on a corner, has been fully renovated, everything is NEW: enjoy brand-new siding, flooring, roof, HVAC system, water heater, plumbing, kitchen, Appliances, and bathrooms, Additionally, the backyard has been newly remodeled with a brand-new private fence and new grass. Move-in ready and enjoy a pristine home from day one!

    Daniela Morales La Rosa Realty Georgia

    2070 Mallard Way, Lithonia, GA 30058
  • /37

    $360,000

    $10K PRICE DROP
    • 4 Beds
    • 2.5 Baths
    • 3,182 Sq Ft

    4023 Preston Oaks Place, Lithonia, GA 30038

    SPRING IS IN FULL BLOOM IN ATLANTA, AND WITH IT WE PROUDLY WELCOME 4023 PRESTON OAKS PLACE IN STONECREST TO THE MARKET. NESTLED IN A QUIET CUL DE SAC AND SITUATED ON JUST UNDER HALF AN ACRE, THIS BEAUTITUL HOME OFFERS A BLEND OF PRIVACY, SPACE AND COMFORT. DESIGNED WITH ENTERTAINING IN MIND, THIS HOME FEATURES 4 BEDROOMS AND 2.5 BATHS, SEPARATE LIVING AND DINING ROOMS ALONG WITH A SPACIOUS

    Nicole Johnson Solutions First Realty of GA

    4023 Preston Oaks Place, Lithonia, GA 30038
  • /20

    $375,000

    • 5 Beds
    • 3.5 Baths
    • 3,265 Sq Ft

    488 Allana Ct, Stone Mountain, GA 30087

    This spacious home offers 5 bedrooms, 3.5 bathrooms, and a finished basement, providing plenty of room for comfortable living, entertaining, or investment potential. Situated on a large private lot with no HOA, this property features a traditional layout, high ceilings, a cozy fireplace, and a peaceful residential setting just minutes from shopping, dining, and major highways.

    Stephanie Thomas Connections Realty Group Inc.

    488 Allana Ct, Stone Mountain, GA 30087
  • /45

    $330,000

    • 7 Beds
    • 3 Baths
    • 3,127 Sq Ft

    4780 Big Valley Rd Unit 2, Stone Mountain, GA 30083

    Beautiful split-level home with space, flexibility, and unique outdoor features buyers are looking for! This well-maintained property offers multiple living areas perfect for today's lifestyle, including a spacious finished lower level ideal for extended family, guests, home office, media room, gym, or teen suite setup. The main level features hardwood floors, abundant natural light, and a

    Maribel Padra LPT Realty, LLC

    4780 Big Valley Rd Unit 2, Stone Mountain, GA 30083
  • /25

    $399,000

    Open Thu 9AM - 7PM $59K PRICE DROP
    • 3 Beds
    • 2 Baths
    • 1,651 Sq Ft

    3969 Briaridge Cir, Atlanta, GA 30340

    Welcome to 3969 Briaridge Cir, a property that boasts a range of modern amenities. The home is equipped with a new HVAC system, ensuring year-round comfort. The living area features a cozy fireplace, perfect for those chilly evenings. The kitchen is a chef's dream with all stainless steel appliances and an accent backsplash that adds a touch of elegance. The outdoor space is equally impressive

    Tanya Pickens Opendoor Brokerage, LLC

    3969 Briaridge Cir, Atlanta, GA 30340
  • /38

    $325,000

    • 4 Beds
    • 3 Baths
    • 2,127 Sq Ft

    844 San Miguel Dr, Stone Mountain, GA 30083

    Welcome to 844 San Miguel Drive — a fully renovated and permitted home! This 4-bedroom, 3-bath beauty spans 2,127 sq ft and is packed with functional space, modern upgrades, and natural charm—perfect for first-time homeowners, investors looking to Airbnb and rent out the basement, or someone seeking a move-in-ready retreat! New roof, plumbing, electrical, HVAC (system for each floor), water

    Tina Wang Real Broker, LLC.

    844 San Miguel Dr, Stone Mountain, GA 30083
  • /69

    $379,700

    New Construction $15K PRICE DROP
    • 4 Beds
    • 2.5 Baths
    • 2,338 Sq Ft

    8567 Secretariat Dr, Lithonia, GA 30058

    Welcome to Champions Run where lifestyle meets location in the heart of Lithonia, Georgia. (Galan) Here, you'll find a sparkling pool, a fun-filled tot lot for the kids, and a cabana perfect for relaxing weekends or neighborhood gatherings all just minutes from the breathtaking beauty of Arabia Mountain. Champions Run is located minutes from I-20, with easy access to Highway 124, and the mall at

    Nawrocki Dozier-Grimes D.R.. Horton Realty of Georgia, Inc

    8567 Secretariat Dr, Lithonia, GA 30058
  • /31

    $369,000

    $3K PRICE DROP
    • 5 Beds
    • 3 Baths
    • 3,033 Sq Ft

    6102 Waterton Dr, Lithonia, GA 30058

    Secure Your Dream Home This Summer – Make an Offer Today!Don’t miss this exceptional 5-bedroom, 3-bathroom cul-de-sac residence, boasting over 3,000 square feet of fully renovated living space. This home features a master bedroom and bath, a stunning floor-to-ceiling fireplace feature wall, a screened-in back porch, and a fully enclosed sunroom. Every aspect of the home has been meticulously

    Michael Jackson EXP Realty, LLC.

    6102 Waterton Dr, Lithonia, GA 30058
  • /33

    $330,000

    $18K PRICE DROP
    • 2 Beds
    • 2.5 Baths
    • 1,290 Sq Ft

    1468 Briarwood Rd NE Unit 303, Brookhaven, GA 30319

    Move In Ready! Welcome home to this bright and spacious 2BR, 2.5BA Townhouse in the sought-after Carlyle Woods community. With a desirable open floor plan that features high ceilings and great natural light, this home feels welcoming from the moment you walk in. The owner took excellent care of the unit with updated flooring, HVAC, hot water heater, kitchen backsplash and contemporary stairs

    Lily WhiteRose Atlanta Communities

    1468 Briarwood Rd NE Unit 303, Brookhaven, GA 30319
  • /40

    $351,000

    $10K PRICE DROP
    • 4 Beds
    • 2.5 Baths
    • 3,000 Sq Ft

    2377 Ticonic Rd, Lithonia, GA 30058

    Welcome to this beautifully maintained, move-in-ready home in the highly sought-after Mason’s Mill community. One of the two largest floor plans at 3000 ft2. Freshly painted throughout and featuring brand-new carpet, this residence offers one of the largest and most desirable floor plans in the neighborhood: a den/Office on the main level, a separate dining and breakfast area, and a cozy loft on

    Fang Yang McKinley Properties, LLC.

    2377 Ticonic Rd, Lithonia, GA 30058
  • /46

    $385,900

    • 5 Beds
    • 3 Baths
    • 2,697 Sq Ft

    559 Wynbrooke Pkwy Unit II, Stone Mountain, GA 30087

    Welcome home to this beautifully maintained 4-bedroom, two-story residence featuring new windows, updated HVAC systems, and spacious bedrooms, all nestled in a sought-after swim and tennis community near Stone Mountain Park with easy access to I-78, shopping, dining, and everyday conveniences

    Lucretia Ramsey Ramsey Realty Service

    559 Wynbrooke Pkwy Unit II, Stone Mountain, GA 30087
  • /27

    $399,900

    • 4 Beds
    • 2.5 Baths
    • 2,570 Sq Ft

    3925 Dunaire Dr, Stone Mountain, GA 30083

    Buy This Home with Little to No Money Down! A special 100% FHA financing option is available that covers the required 3.5% down payment. Many buyers qualify with just 1% or less down - and there are no income limits. Welcome to this bright and beautiful home in the heart of Stone Mountain. This 4 bedroom, 2.5 bathroom home is equipped with all the contemporary comforts and conveniences to ensure

    Kelly Coquerel KDH Realty, LLC

    3925 Dunaire Dr, Stone Mountain, GA 30083
  • /39

    $360,000

    • 5 Beds
    • 3 Baths
    • 2,632 Sq Ft

    466 Hickory Hills Dr, Stone Mountain, GA 30083

    Welcome home to this beautifully renovated split-level in the heart of Stone Mountain! Offering plenty of space and thoughtful updates throughout, this home combines modern comfort with a layout perfect for everyday living and entertaining. Step inside to find bright, refreshed living spaces and a functional floor plan that flows effortlessly from room to room. The spacious primary suite features

    Mark Spain Mark Spain Real Estate

    466 Hickory Hills Dr, Stone Mountain, GA 30083
  • /29

    $340,000

    • 3 Beds
    • 2.5 Baths
    • 2,518 Sq Ft

    6290 Noreen Way, Lithonia, GA 30058

    Welcome to this beautiful brick-front home nestled in Phililps Trace Community! From the moment you step inside, you’re greeted by a long, inviting entryway and versatile flex space perfect for a home office, sitting area, or playroom. The main level also features a convenient mudroom and half bath. Enjoy the open-concept floor plan that seamlessly connects the stunning kitchen to the spacious

    Tariq Jenkins Vylla Home

    6290 Noreen Way, Lithonia, GA 30058
  • /22

    $382,500

    • 3 Beds
    • 1 Bath
    • 1,106 Sq Ft

    1621 van Vleck Ave SE, Atlanta, GA 30316

    East Atlanta, a highly sought after area - Build your dream home or investment property on this prime lot in the heart of East Atlanta! Ideally located just minutes from the vibrant shops, restaurants, and nightlife of East Atlanta Village, this property offers incredible potential for new construction in one of the city's most sought-after areas. Situated in the highly desirable Burgess-Peterson

    Carla Williams HomeSmart

    1621 van Vleck Ave SE, Atlanta, GA 30316
  • /16

    $325,000

    $44K PRICE DROP
    • 3 Beds
    • 2 Baths
    • 1,427 Sq Ft

    3079 Midway Rd, Decatur, GA 30032

    Welcome to 3079 Midway Road—an opportunity-filled 3-bedroom, 2-bath home in a highly convenient Decatur location! This property offers a functional layout with spacious bedrooms, two full bathrooms, and flexible living areas ready to be customized to your lifestyle. Currently used as a peaceful Tai Chi studio, the home provides a unique, open feel that can easily be reimagined into a comfortable

    Annette McMullen BHGRE Metro Brokers

    3079 Midway Rd, Decatur, GA 30032
  • /31

    $329,000

    • Land
    • 2.38 Acres
    • $138,235 per Acre

    2304 Whites Mill Rd, Decatur, GA 30032

    2304 Whites Mill Road in Decatur presents a compelling infill opportunity for builders and developers ready to move. This mostly cleared 2.4-acre parcel, zoned R75 with 10,000 SF minimum lots, is positioned for a boutique community of up to five single-family homes - with much of the pre-development groundwork already complete, including temporary power, two water meters, and limited septic

    Timothy Lynn Harry Norman Realtors

    2304 Whites Mill Rd, Decatur, GA 30032
  • /27

    $382,410

    New Construction
    • 3 Beds
    • 2.5 Baths
    • 1,910 Sq Ft

    3560 Matthew Ct, Decatur, GA 30034

    The Salisbury plan at Harvest Park offers a well-designed townhome that combines comfort, style, and functionality. This three-story layout features 3 bedrooms, 2.5 bathrooms, and an open concept main living area that makes everyday life feel easy and connected. On the main level, you’ll find a welcoming entry along with a versatile flex space that can be used as a home office, workout area, or

    D.R. Horton Builder
    3560 Matthew Ct, Decatur, GA 30034

Showing Results 521 - 560, Page 14 of 15

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