1,166

Denham Springs, LA Homes for Sale under $400,000

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  • /25

    $369,900

    • 3 Beds
    • 2.5 Baths
    • 2,100 Sq Ft

    31872 Netterville Rd, Denham Springs, LA 70726

    Experience elevated living in this move-in-ready luxury new construction home located at 31872 Netterville Road in Denham Springs. Offered at $369,900, this thoughtfully designed residence features 3 bedrooms, 2.5 bathrooms, and 2,100 square feet of refined living space. The home showcases timeless design elements, including a spacious primary suite with a spa-inspired custom tile shower,

    Tommy Veenendaal Southern Prime Properties, LLC

    31872 Netterville Rd, Denham Springs, LA 70726
  • /25

    $259,000

    $6K PRICE DROP
    • 4 Beds
    • 2 Baths
    • 2,343 Sq Ft

    9911 Asheville Dr, Denham Springs, LA 70706

    Looking for a spacious home? This home has just that with 4 bedrooms, 2 baths, and an office. Large bedrooms and lots of storage space. Roof is 2 years old! The living room has a gas fireplace and built in cabinet with soaring ceilings. Lots of cabinet space in the kitchen along with a walk in pantry. A wall of windows from the living and dining rooms overlook the backyard. The primary bedroom

    Happi Hoffer RE/MAX Professional

    9911 Asheville Dr, Denham Springs, LA 70706
  • /2

    $248,990

    New Construction
    • 3 Beds
    • 2 Baths
    • 1,613 Sq Ft

    Fareham V B Plan at Juban Parc, Denham Springs, LA 70726

    The Fareham V B floor plan by DSLD Homes offers a perfect balance of efficient design, modern features, and everyday comfort. With 1,613 square feet of living space and a total area of 2,255 square feet, this single-story home is ideal for small families, first-time buyers, or anyone seeking a stylish yet practical layout. The open floor plan creates a spacious and connected living environment,

    DSLD Homes Builder
    11518 Juban Parc Ave Unit 40789975, Denham Springs, LA 70726
  • /4

    $169,900

    $30K PRICE DROP
    • Land
    • 3 Acres
    • $56,633 per Acre

    Lot 10 Grandview Dr, Denham Springs, LA 70726

    Discover Grandview Estates - an exclusive enclave with just 20 spacious lots, each High & Dry starting at 2 acres! This luxurious new community is designed not only for high-end living but to foster a strong sense of community among neighbors. Situated high and dry in flood zone X, you can rest assured of your property's safety. Conveniently located just a 5-minute drive from the interstate,

    Kayla Johnson Covington & Associates Real Estate, LLC

    Lot 10 Grandview Dr, Denham Springs, LA 70726
  • /19

    $264,900

    $15K PRICE DROP
    • 3 Beds
    • 2 Baths
    • 1,826 Sq Ft

    8054 Minglewood Ave, Denham Springs, LA 70706

    Located in the quiet, established community of Wood Acres in Watson, this beautifully transformed home is the definition of move-in ready. Completely redone from top to bottom, every detail has been thoughtfully updated to create a fresh, modern feel that looks straight out of a magazine. Step inside to find all new flooring, fresh paint throughout, and a layout designed for both everyday living

    Kayla Johnson Covington & Associates Real Estate, LLC

    8054 Minglewood Ave, Denham Springs, LA 70706
  • /2

    $265,990

    New Construction
    • 4 Beds
    • 2.5 Baths
    • 1,738 Sq Ft

    Queensland III B Plan at Hidden Lakes Estates, Denham Springs, LA 70726

    Welcome to the Queensland III B by DSLD Homes, a beautifully designed new construction home offering 1,738 square feet of thoughtfully planned living space. Built with Energy Star Certified efficiency, this home blends comfort, style, and sustainability perfect for modern families looking for a smart investment in their future.The open floor plan creates a seamless flow between the kitchen,

    DSLD Homes Builder
    12497 Antler Ridge Dr Unit 39977999, Denham Springs, LA 70726
  • /2

    $285,990

    New Construction
    • 4 Beds
    • 3 Baths
    • 2,021 Sq Ft

    Fremont III G Plan at Eden Way, Denham Springs, LA 70726

    The Fremont III G floor plan by DSLD Homes offers 2,021 square feet of energy-efficient living space designed for comfort and style. With a total area of 2,554 square feet, this home features a brick and siding exterior, a covered rear porch, and a spacious two-car garage. Inside, enjoy an open-concept layout with four bedrooms and three full bathrooms. The kitchen includes recessed can lighting

    DSLD Homes Builder
    28542 Middlebrook Way Unit 36868441, Denham Springs, LA 70726
  • /2

    $312,990

    New Construction
    • 4 Beds
    • 3 Baths
    • 2,406 Sq Ft

    Abbey IV H Plan at Ellis Estates, Denham Springs, LA 70726

    The Abbey IV H Floor Plan by DSLD Homes offers modern living at its finest, blending style, comfort, and energy efficiency into a beautifully designed home. With 4 spacious bedrooms and 3 full bathrooms across 2,406 square feet, this layout provides the ideal space for growing families and those who love to entertain.Exterior features include elegant brick siding with stucco accents, a covered

    DSLD Homes Builder
    11324 Densmore Dr Unit 36950681, Denham Springs, LA 70726
  • /6

    $267,930

    New Construction
    • 3 Beds
    • 2 Baths
    • 1,782 Sq Ft

    30789 Eden Way Dr, Denham Springs, LA 70726

    *3.99 rate is a 2/1 buydown for the first 12 months. Contact Builder Sales Rep(s) for current incentive details.*The TRINITY IV H in Eden Way community offers a 3 bedroom, 2 full bathroom, open and split design. Features: double vanity, garden tub, separateshower, linen closet, and a walk-in closet in the primary suite, primary closet goes through to the laundry room for added convenience,

    DSLD Homes Builder
    30789 Eden Way Dr, Denham Springs, LA 70726
  • /20

    $385,000

    • 4 Beds
    • 2 Baths
    • 2,045 Sq Ft

    7618 Kingsley Dr, Denham Springs, LA 70706

    Escape to the warmth and timeless charm of this authentic log cabin nestled on approximately 1.6 acres--and no flood insurance is required! This one-of-a-kind property offers the perfect blend of rustic character and outdoor living. Start your mornings with coffee on one of the two covered porches, unwind on the spacious patio, or spend your summer days enjoying the sparkling inground pool. Need

    Brandie Hoth LPT Realty, LLC Highland

    7618 Kingsley Dr, Denham Springs, LA 70706
  • /23

    $385,000

    • 3 Beds
    • 2.5 Baths
    • 2,097 Sq Ft

    32350 Burgess Road Extension, Denham Springs, LA 70706

    Properties like this don’t come along often. Set on 4.8 acres at the end of a no-outlet road, this home is surrounded on three sides by a stocked pond, with a gazebo that seems made for sunsets. The wraparound porch offers a front-row seat to the peaceful setting, while inside you’ll find timeless woodwork, taller kitchen counters, and a layout with no wasted space. A 30' x 40' shop, 18' x 40' RV

    Jacob Wascom Keller Williams Realty-First Choice

    32350 Burgess Road Extension, Denham Springs, LA 70706
  • /2

    $236,990

    New Construction
    • 4 Beds
    • 2 Baths
    • 1,550 Sq Ft

    Wells II A Plan at Juban Parc, Denham Springs, LA 70726

    - Open Floor Plan- Four Bedrooms, Two Bathrooms- Two Car Garage - Brick, Stucco, and Siding Exterior - Recessed Can Lighting in Kitchen - Walk-In Master Closet- Double Vanity in Master Bath - Separate Master Shower

    DSLD Homes Builder
    11518 Juban Parc Ave Unit 36952439, Denham Springs, LA 70726
  • /22

    $255,000

    • 3 Beds
    • 2 Baths
    • 1,637 Sq Ft

    13638 Cantebury Ave, Denham Springs, LA 70726

    Welcome to this beautiful home in the desirable South Haven Subdivision! Featuring 9-foot ceilings throughout, this home offers an open, airy feel with crown molding in the living room, kitchen, dining area, and primary bedroom. The spacious kitchen is perfect for entertaining, offering tons of counter space and plenty of room to gather. Large windows in the living and dining areas fill the home

    Tonya McAnally Supreme

    13638 Cantebury Ave, Denham Springs, LA 70726
  • /12

    $149,900

    $15K PRICE DROP
    • 3 Beds
    • 2 Baths
    • 1,199 Sq Ft

    25418 Homestead Dr, Denham Springs, LA 70726

    Charming 3 bedroom, 2 bath home in Denham Springs conveniently located near the interstate and local restaurants. Perfect for a first-time homebuyer or an investor. Whether you’re looking for a place to call home or a great investment opportunity, this property is worth a look! Give me a call for more details.

    Alyss Rogers Smart Move Real Estate

    25418 Homestead Dr, Denham Springs, LA 70726
  • /19

    $240,000

    • 4 Beds
    • 2 Baths
    • 2,008 Sq Ft

    38437 Highland Terrace Ave, Denham Springs, LA 70706

    Waterfront property on a fully stocked lake! This 4-bedroom, 2-bath traditional-style home offers 2,008 sq ft and is ready for your personal touch. The kitchen features granite countertops and a stone backsplash. Major updates include a 4-year-old roof, 3-year-old hot water heater, and HVAC system (interior and exterior) replaced in 2024. The garage door and shutters were freshly painted last

    Drake Abshire Epique Realty

    38437 Highland Terrace Ave, Denham Springs, LA 70706
  • /20

    $237,500

    • 3 Beds
    • 2 Baths
    • 1,392 Sq Ft

    9305 Rue de Benoit, Denham Springs, LA 70706

    Situated on a beautiful corner lot at the entrance of a quiet cul-de-sac in Belle Terre subdivision, this well-maintained home offers both convenience and a desirable setting just minutes from local schools and the ballpark. The home features a functional layout with a spacious kitchen and breakfast area, complete with granite countertops, white cabinetry, and stainless steel appliances. The

    Amie Prescott CHT Group Real Estate, LLC

    9305 Rue de Benoit, Denham Springs, LA 70706
  • /2

    $130,000

    • Land
    • 13,939 Sq Ft
    • $406,250 per Acre

    9567 Sawgrass Blvd, Denham Springs, LA 70726

    Beautiful lot with amazing view down the fairway! Greystone offers you and your family a lifestyle that so many can only dream of, as a resident your family will have access to its extensive list of practical, recreational and luxurious amenities including a championship golf course, sparkling swimming pool, walker trails, fishing areas, fitness room, wedding and banquet facilities, playground,

    Kayla Johnson Covington & Associates Real Estate, LLC

    9567 Sawgrass Blvd, Denham Springs, LA 70726
  • /2

    $294,990

    New Construction
    • 4 Beds
    • 3 Baths
    • 1,969 Sq Ft

    Domenico III B Plan at Ellis Estates, Denham Springs, LA 70726

    Welcome to the Domenico III B floor plan by DSLD Homes, where thoughtful design meets energy efficiency in a beautifully crafted home that combines comfort, functionality, and value. Offering 1,969 square feet of living space, this open-concept layout is perfect for growing families, entertainers, or anyone seeking modern design and long-term energy savings.Featuring four bedrooms and three full

    DSLD Homes Builder
    11324 Densmore Dr Unit 36950316, Denham Springs, LA 70726
  • /22

    $369,990

    New Construction Open Sun 1PM - 5PM
    • 4 Beds
    • 3 Baths
    • 2,243 Sq Ft

    26572 Vanissa Dr, Denham Springs, LA 70726

    *Write a purchase agreement by July 31st and close by October 31st to take advantage of this limited-time incentive. Receive an initial rates as low as 3.99% (6.788% APR) on FHA, RD, and VA loans, or up to $12,000 towards rate buydown or closing costs* *To be eligible for a low interest rate on qualifying homes, or closing cost assistance - buyer MUST use seller's preferred Mortgage and Title.

    Carlos Alvarez RE/MAX Total

    26572 Vanissa Dr, Denham Springs, LA 70726
  • /2

    $268,990

    New Construction
    • 4 Beds
    • 2 Baths
    • 1,835 Sq Ft

    Oakridge V H Plan at Eden Way, Denham Springs, LA 70726

    - Open Floor Plan- Four Bedrooms, Two Bathrooms- Two Car Garage- Covered Patio- Brick and Siding Exterior- Recessed Can Lighting in Kitchen- Double Master Vanity- Walk-In Master Closet- Separate Master Shower

    DSLD Homes Builder
    28542 Middlebrook Way Unit 36868445, Denham Springs, LA 70726
  • /17

    $265,000

    • 4 Beds
    • 2 Baths
    • 2,079 Sq Ft

    13083 Bayberry Ave, Denham Springs, LA 70706

    **THIS HOME QUALIFIES FOR NO MONEY DOWN FINANCING AND THE SELLERS ARE WILLING TO OFFER $6,000 TOWARDS BUYERS CLOSING COSTS** Welcome to your dream home! This immaculate 4-bedroom, 2-bathroom residence is nestled on a tranquil lake lot, perfect for fishing enthusiasts. Situated in Levi Milton/Walker schools on a peaceful dead-end street, this upgraded luxurious white brick home combines elegance

    Kaylyn Ward Journey Home Realty LLC

    13083 Bayberry Ave, Denham Springs, LA 70706
  • /2

    $251,990

    New Construction
    • 3 Beds
    • 2 Baths
    • 1,593 Sq Ft

    Danbury IV G Plan at Eden Way, Denham Springs, LA 70726

    The Danbury IV G by DSLD Homes is a beautifully designed, energy-efficient home offering 1,593 square feet of living space and a total area of 2,144 square feet. This thoughtfully crafted home features a spacious open floor plan, making it perfect for modern living and entertaining. The Danbury IV G includes three generous bedrooms and two full bathrooms, ideal for growing families or those in

    DSLD Homes Builder
    28542 Middlebrook Way Unit 36868437, Denham Springs, LA 70726
  • /22

    $260,000

    • 3 Beds
    • 2 Baths
    • 1,917 Sq Ft

    26339 Poplar Glen Dr, Denham Springs, LA 70726

    Perfectly positioned on a spacious corner lot in Woodland Crossing, this beautifully maintained and updated 3-bedroom, 2-bath home offers the space, comfort, and convenience today's buyers are looking for. Located just five minutes from I-12, you'll enjoy quick access to Baton Rouge, Hammond, and beyond while coming home to a peaceful neighborhood setting. Inside, soaring ceilings and an

    Aimee Norton eXp Realty

    26339 Poplar Glen Dr, Denham Springs, LA 70726
  • /24

    $279,900

    $10K PRICE DROP
    • 3 Beds
    • 2 Baths
    • 1,875 Sq Ft

    38606 Red Bud Ln, Denham Springs, LA 70706

    Welcome to this charming French Country style 3 bedroom 2 bath home, nestled in the desirable Live Oak Landing subdivision. This well maintained home offers timeless curb appeal and thoughtful updates, including a 2 year old roof and the added peace of mind of being in Flood Zone X! Seller offering to replace Hvac System making this home even more move in ready! Inside you'll find gorgeous stone

    LAUREN USEY Blue Heron Realty

    38606 Red Bud Ln, Denham Springs, LA 70706
  • /13

    $246,000

    • 3 Beds
    • 2 Baths
    • 1,447 Sq Ft

    13048 Fowler Dr, Denham Springs, LA 70706

    Welcome to your dream home! This stunning Fowler property boasts a spacious layout with three bedrooms and two bathrooms. At just 6 years young, it's move-in ready and waiting for you to make it your own. Enjoy the convenience of an eat-in kitchen and plenty of room to entertain family and friends. Don't miss out on the opportunity to own this beautiful home!

    ASHLEY MERRITT Coldwell Banker TEC METAIRIE

    13048 Fowler Dr, Denham Springs, LA 70706
  • /15

    $249,900

    • 3 Beds
    • 2 Baths
    • 1,560 Sq Ft

    34633 Perkins Rd, Denham Springs, LA 70706

    Looking for space, value, and peace of mind all rolled into one? This double-wide mobile home delivers on every front, offering three bedrooms, two bathrooms, and 1,560 square feet of comfortable living tucked onto a generous 2.08-acre corner lot. Inside you will find brand-new laminate flooring stretching throughout, giving the interior a fresh, clean foundation ready for your personal touch.

    Darrelyn Moore Covington & Associates Real Estate, LLC

    34633 Perkins Rd, Denham Springs, LA 70706
  • /23

    $260,900

    New Construction
    • 3 Beds
    • 2 Baths
    • 1,554 Sq Ft

    Kenner Plan at Belmont, Denham Springs, LA 70726

    Check out the Kenner plan, one of our new homes in Belmont, a new home community in Denham Springs, Louisiana. This home is situated on a homesite with a low-maintenance yard, which means you won't have to stress about the expenses of lawncare. You’ll have plenty of room in this home with 3 bedrooms, 2 bathrooms, and up to 1,558 square feet. When you enter the home, you’ll enter the open-concept

    D.R. Horton Builder
    21402 Belmont Club Blvd Unit 36198426, Denham Springs, LA 70726
  • /20

    $320,000

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

    340 Sullivan St, Denham Springs, LA 70726

    Listed at Appraisal Value Spacious Home in Excellent Condition 340 Sullivan St, Denham Springs, La 70726. "Ideal home for buyers who prioritize space, layout and value." Welcome to this well-maintained 4-bedroom, 4-bath home with a dedicated office, offering generous space and thoughtful design in Denham Springs. Some of the interior has been virtually staged to showcase layout and room

    Sheila Hyde Keller Williams Realty Red Stick Partners

    340 Sullivan St, Denham Springs, LA 70726
  • /2

    $275,990

    New Construction
    • 4 Beds
    • 2 Baths
    • 1,865 Sq Ft

    Ripley V H Plan at Ellis Estates, Denham Springs, LA 70726

    - Open Floor Plan- Four Bedrooms, Two Bathrooms- Brick & Siding Exterior- Master Garden Tub- Separate Master Shower- Double Master Vanity- Double Walk-In Master Closets- Canned Lighting in Kitchen- Two Car Garage- Covered Rear Patio

    DSLD Homes Builder
    11324 Densmore Dr Unit 36949373, Denham Springs, LA 70726
  • /12

    $189,900

    $3K PRICE INCREASE
    • 2 Beds
    • 2 Baths
    • 1,045 Sq Ft

    33260 Louisiana 16 Unit 10D, Denham Springs, LA 70706

    This unit is Tenant occupied, great buy for investors. BUYER INCENTIVE to use your own way of $8,000.00! These townhouses that are in the heart of Watson and ready for ownership. This is a 2 bedroom 2 bath with stainless steel appliances, custom cabinets and granite counter tops. You have a cement porch and patio off the back complete with fencing for privacy and a garage for parking.

    Teri Pruett Crossroads Realty, LLC

    33260 Louisiana 16 Unit 10D, Denham Springs, LA 70706
  • /23

    $235,000

    • 3 Beds
    • 2 Baths
    • 1,711 Sq Ft

    11134 Ascension Ct, Denham Springs, LA 70726

    Welcome to your new home! Nestled on a quiet cul-de-sac just minutes from Juban Crossing, this beautifully maintained three-bedroom, two-bath home offers comfort, style, and convenience. Step inside to a grand foyer with soaring ceilings that flows seamlessly into the spacious living room, creating an inviting space perfect for relaxing or entertaining. The open-concept kitchen features ample

    Soysouvanh Pizzolato Keller Williams Realty Red Stick Partners

    11134 Ascension Ct, Denham Springs, LA 70726
  • /27

    $285,900

    New Construction
    • 4 Beds
    • 2 Baths
    • 2,051 Sq Ft

    Ledoux Plan at Whispering Springs, Denham Springs, LA 70726

    Introducing The Ledoux, a thoughtfully designed single-story new construction home offering 4 bedrooms, 2 bathrooms, a 2-car garage, and a covered patio with 2,051 sq ft. The Ledoux is perfect for homebuyers seeking open-concept living, modern finishes, and everyday functionality in Whispering Springs, Denham Springs, La. From the moment you step inside the welcoming foyer, you’re drawn into the

    D.R. Horton Builder
    35530 Evers Dr Unit 39106171, Denham Springs, LA 70726
  • /22

    $227,900

    New Construction
    • 3 Beds
    • 2 Baths
    • 1,392 Sq Ft

    Cherry Plan at Whispering Springs, Denham Springs, LA 70726

    Introducing The Cherry, a beautifully designed single-story new construction home offering 4 bedrooms, 2 bathrooms, and a 1-car garage across 1,392 square feet of functional living space. This thoughtful layout is perfect for families, first-time homebuyers, and those seeking a smart, efficient floor plan in Whispering Springs, Denham Springs, La. Step inside from the welcoming front porch into a

    D.R. Horton Builder
    35530 Evers Dr Unit 39689772, Denham Springs, LA 70726
  • /7

    $215,000

    • Land
    • 1.22 Acres
    • $176,230 per Acre

    TBD Springfield Rd, Denham Springs, LA 70706

    Prime Investment Opportunity! This exceptional 1.22+- acre corner tract offers outstanding visibility with high-traffic exposure, making it an ideal location for a wide variety of commercial or investment ventures. Strategically positioned between Denham Springs and Walker, this property provides excellent accessibility in one of the area's growing corridors. Whether you're looking to develop

    Jeff Foltz LPT Realty, LLC

    TBD Springfield Rd, Denham Springs, LA 70706
  • /2

    $264,990

    New Construction
    • 3 Beds
    • 2 Baths
    • 1,778 Sq Ft

    Timsbury IV A Plan at Juban Parc, Denham Springs, LA 70726

    DSLD Homes Builder
    11518 Juban Parc Ave Unit 40789974, Denham Springs, LA 70726
  • /17

    $195,000

    New Construction
    • 2 Beds
    • 2 Baths
    • 1,072 Sq Ft

    8007 Arnold Rd Unit 2F, Denham Springs, LA 70726

    Welcome to this brand-new 2 bedroom, 2 bathroom townhome offering great design and low-maintenance living. Step inside to an open-concept floor plan. The kitchen boasts beautiful quartz countertops, and brand new stainless steel appliances, perfect for everyday living and entertaining. The primary suite offers a generous bedroom, walk-in closet, and en-suite bath. A second bedroom and full

    Josh Ball Covington & Associates Real Estate, LLC

    8007 Arnold Rd Unit 2F, Denham Springs, LA 70726
  • /4

    $342,000

    • Land
    • 28.5 Acres
    • $12,000 per Acre

    1218 Rodeo Dr, Denham Springs, LA 70726

    This property has endless opportunities. If you are a Real Estate Developer, you can make this a great residential subdivision behind one of Denham's oldest subdivisions. If you would like a large piece of property in the middle of Denham this is the place for you. The homestead that was on this property did not flood in the 2016 flood. The front of the property on the road frontage is high and

    Becky Robinson eXp Realty

    1218 Rodeo Dr, Denham Springs, LA 70726
  • /4

    $184,900

    $40K PRICE DROP
    • Land
    • 3.85 Acres
    • $48,026 per Acre

    Lot 11 Grandview Dr, Denham Springs, LA 70726

    Discover Grandview Estates - an exclusive enclave with just 20 spacious lots, each High & Dry starting at 2 acres! This luxurious new community is designed not only for high-end living but to foster a strong sense of community among neighbors. Situated high and dry in flood zone X, you can rest assured of your property's safety. Conveniently located just a 5-minute drive from the interstate,

    Kayla Johnson Covington & Associates Real Estate, LLC

    Lot 11 Grandview Dr, Denham Springs, LA 70726
  • /2

    $140,000

    • Land
    • 1.73 Acres
    • $80,925 per Acre

    Lot 11 Hidden Oaks Ln, Denham Springs, LA 70706

    Exclusive Lake Front Community located off Highway 16 in St. Helena Parish. Each lot has frontage on either Nesom Lake or Hidden Oaks. Private Boulevard entrance leads to expensive view via Hidden Oaks Lane. Large lots of 2-3+ acres allow for private development of new owners homesite. Developer will review plans in accordance with restrictions prior to submission to parish for building permit.

    Joe Moore RE/MAX Professional

    Lot 11 Hidden Oaks Ln, Denham Springs, LA 70706
  • /2

    $267,990

    New Construction
    • 3 Beds
    • 2 Baths
    • 1,825 Sq Ft

    Townsend IV A Plan at Hidden Lakes Estates, Denham Springs, LA 70726

    Introducing the Townsend IV A floor plan by DSLD Homes, designed with an open floor plan and built for families who value both style and energy-efficient living. Offering 1,825 square feet of living space and a total area of 2,441 square feet, this home provides the perfect balance of spaciousness and functionality.The open floor plan connects the kitchen, dining, and living areas, creating a

    DSLD Homes Builder
    12497 Antler Ridge Dr Unit 39978000, Denham Springs, LA 70726

Showing Results 521 - 560, Page 14 of 16

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