2,133

Denver, CO Homes for Sale with No HOA Fee

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  • /25

    $975,000

    • 8 Beds
    • 8 Baths
    • 5,043 Sq Ft

    1015 S Eliot St Unit 4, Denver, CO 80219

    Well-maintained 4-unit investment opportunity in a centrally located Denver neighborhood with strong rental demand and value-add potential. The property consists of four 2-bedroom, 1-bath units in a two-story, walk-up building with dedicated off-street parking and direct exterior unit entrances.Three units are currently occupied (all June 1st expirations), providing a new owner to renew

    Leroy Lutu eXp Realty, LLC

    1015 S Eliot St Unit 4, Denver, CO 80219
  • /33

    $385,000

    $15K PRICE DROP
    • 2 Beds
    • 1 Bath
    • 778 Sq Ft

    4644 High St, Denver, CO 80216

    NEW PRICE !Welcome home to this charming and beautifully updated bungalow in one of Denver's most sought-after neighborhoods! Offering 778 square feet of thoughtfully designed living space, this 2-bedroom, 1-bath home blends classic character with modern updates. Refinished hardwood floors add warmth and charm throughout, while newer windows and a newer furnace provide comfort and energy

    Vicki Wimberly Coldwell Banker Realty 28

    4644 High St, Denver, CO 80216
  • /48

    $830,000

    Open Sat 10AM - 12PM
    • 4 Beds
    • 2 Baths
    • 1,868 Sq Ft

    324 S Downing St, Denver, CO 80209

    Perfectly positioned just two blocks from Washington Park, this beautifully maintained brick Bungalow offers the ideal combination of comfortable living, modern efficiency, and one of Denver's most sought-after neighborhoods. With four bedrooms, two full baths, and flexible living spaces, there's room for everyone to spread out and enjoy! The main level features warm hardwood floors throughout,

    Adam Haman Your Castle Real Estate Inc

    324 S Downing St, Denver, CO 80209
  • /50

    $1,197,000

    New Construction
    • 6 Beds
    • 4.5 Baths
    • 3,212 Sq Ft

    2135 S High St, Denver, CO 80210

    **Pictures of finished home are of similar project 2405 S High St completed 12/26 by same developer** Welcome to this modern farmhouse–style home, ideally located in Denver’s highly sought-after University of Denver/Platt Park neighborhood. This residence blends sophisticated design, luxury finishes, and rare income potential. A standout feature is the fully detached, fully equipped 500+ sq ft

    Jonathon Sakalas HomeSmart

    2135 S High St, Denver, CO 80210
  • /3

    $925,000

    $75K PRICE DROP
    • 12 Beds
    • 4 Baths
    • 4,400 Sq Ft

    4729 W 7th Ave, Denver, CO 80204

    Introducing a prime investment opportunity in Denver, CO. This multifamily property, boasting a 4,400 SF building with 4 units, presents a compelling prospect for discerning investors. Built in 1962 and zoned E-RH-2.5, the property offers an attractive blend of historical charm and modern potential. With its strategic location in the vibrant Denver area, this property holds immense promise for

    Elliott Polanchyck Unique Properties LLC

    4729 W 7th Ave, Denver, CO 80204
  • /27

    $1,100,000

    $50K PRICE DROP
    • 8 Beds
    • 6 Baths
    • 3,743 Sq Ft

    5005 W 1st Ave, Denver, CO 80219

    Complex is being sold at a competitive 7.9% cap rate! Unique unit mix with two 3 bedrooms 2 bath, one 1 bedroom and a studio. All units are currently rented but with a few leases coming up it makes for an excellent house hack. All units have washer dryers and AC. Tenants love the units and I rarely find myself looking for tenants. Studio recently fixed up, Upstairs 3 bedroom is in excellent

    Nick Donato Nick Donato

    5005 W 1st Ave, Denver, CO 80219
  • /20

    $365,000

    Open Sat 11AM - 2PM
    • 2 Beds
    • 1 Bath
    • 720 Sq Ft

    3971 W Kentucky Ave, Denver, CO 80219

    Beautifully remodeled 2-bedroom, 1-bath home offering 720 sq. ft. of stylish, move-in-ready living. The open-concept layout features hardwood floors throughout the living room and bedrooms, a modern kitchen with quartz countertops, gas range, tile flooring, and abundant natural light. A newer furnace and water heater provide added peace of mind. Situated on a rare 6,000+ sq. ft. double lot with

    Matthias Reyes Megastar Realty

    3971 W Kentucky Ave, Denver, CO 80219
  • /24

    $385,000

    $65K PRICE DROP
    • 2 Beds
    • 1 Bath
    • 1,172 Sq Ft

    3968 Steele St, Denver, CO 80205

    BACK ON THE MARKET! Welcome to this beautifully remodeled 2-bedroom, 1-bath home that perfectly blends classic charm with modern updates. Step inside to find bright, open living spaces, fresh finishes, and an updated kitchen with modern cabinetry, stainless steel appliances, and sleek countertops, creating a move-in ready home you'll love.The thoughtful layout offers comfortable living with two

    Alicia Jimenez RE/MAX Nexus

    3968 Steele St, Denver, CO 80205
  • /50

    $1,880,000

    $320K PRICE DROP
    • 5 Beds
    • 4.5 Baths
    • 4,641 Sq Ft

    668 N Clarkson St, Denver, CO 80218

    ***Front Porch and Back Yard Entertaining***3 CAR Garage***New Kitchen***New Electrical and Plumbing***Welcome to this stunning 5-bedroom, 5-bath historic residence offering 4,737 sq ft in the heart of Denver’s coveted Historic 7th Avenue neighborhood. From the moment you arrive, the expansive covered front porch sets the tone for timeless charm and inviting curb appeal. Inside, beautifully

    Jenny Usaj Usaj Realty

    668 N Clarkson St, Denver, CO 80218
  • /33

    $400,000

    $50K PRICE DROP
    • 3 Beds
    • 1 Bath
    • 901 Sq Ft

    3215 S Forest St, Denver, CO 80222

    Ideally located in Denver’s sought-after University Hills neighborhood, just one block from the Highline Canal Trail and only blocks from Eisenhower Park and Recreation Center, this charming 3-bedroom, 1-bath home offers an exceptional combination of comfort, convenience, and outdoor space. Recent updates include a new furnace, central air conditioning, new flooring throughout, fresh interior

    Allison Smookler Kentwood Real Estate Cherry Creek

    3215 S Forest St, Denver, CO 80222
  • /40

    $785,000

    $15K PRICE DROP
    • 4 Beds
    • 2.5 Baths
    • 2,294 Sq Ft

    2235 S Cherokee St, Denver, CO 80223

    Looking for something with more personality than the typical Denver home? This modern 2016 half duplex offers three levels of flexible living, a private backyard, detached 2 car garage, and a location that puts so much of Denver within easy reach. With 3 bedrooms plus a main floor office that could become a 4th bedroom with the addition of a closet, there is room to work, entertain, relax, and

    Kathy Hansen eXp Realty, LLC

    2235 S Cherokee St, Denver, CO 80223
  • /2

    $287,490

    New Construction $13K PRICE DROP
    • 2 Beds
    • 1 Bath

    1650 Sheridan Blvd Unit 104, Denver, CO 80214

    Welcome to the Starla, a stylish one-bedroom, one-bathroom condo located in Buildings A, B, and C, right in the heart of Sloan's Lake. We are excited to offer 27 available units, each with one of 11 unique floor plan variations. These units may include features such as private balconies, extended sink areas, and customized shower layouts as standard.The open-concept design seamlessly integrates

    Lokal Homes Builder
    1650 Sheridan Blvd Unit 104, Denver, CO 80214
  • /45

    $549,900

    • 4 Beds
    • 2 Baths
    • 1,868 Sq Ft

    2888 S Zurich Ct, Denver, CO 80236

    This home has an assumable FHA 3.25% interest rate. Qualified buyers may assume the seller's existing FHA loan at an approximate 3.25% fixed interest rate (subject to lender approval). This exceptional financing opportunity could save approximately $900 per month compared to today's market rates. Contact the listing agent for current loan balance, estimated monthly payment, and assumption

    Lisa Tapia Archuleta The Property Shop Denver

    2888 S Zurich Ct, Denver, CO 80236
  • /32

    $1,322,000

    New Construction $78K PRICE DROP
    • 4 Beds
    • 3.5 Baths
    • 2,682 Sq Ft

    1588 Lowell Blvd, Denver, CO 80204

    A rare opportunity to own a brand-new custom residence in one of Denver's most coveted addresses — Sloan's Lake. Steps from Denver's second-largest park, the 2.6-mile lake trail, kayaking, paddleboarding, and the neighborhood's acclaimed dining and brewery scene, including Odell Brewing's rooftop overlooking the Rockies, ChoLon, and the Edgewater Public Market. Walkable, vibrant, and minutes from

    Laura Mueller Your Castle Real Estate Inc

    1588 Lowell Blvd, Denver, CO 80204
  • /49

    $895,000

    Open Sat 11AM - 1PM
    • 4 Beds
    • 3 Baths
    • 2,800 Sq Ft

    2290 E Columbia Place, Denver, CO 80210

    Set in the established Southern Hills neighborhood, this spacious ranch-style home offers a functional floor plan with three bedrooms on the main level and flexible living space throughout. A defined foyer opens to a cozy living room anchored by a wood-burning fireplace and built-in cabinetry. Just beyond, the kitchen features stainless steel appliances, a cooktop, double ovens, beverage

    Shelby Richardson LIV Sotheby's International Realty

    2290 E Columbia Place, Denver, CO 80210
  • /21

    $395,000

    $35K PRICE DROP
    • 3 Beds
    • 2 Baths
    • 1,176 Sq Ft

    20927 Kelly Place, Denver, CO 80249

    Great opportunity, home needs a little TLC to make it shine. This is a Short Sale. Send us your highest and best. SS is APPROVED BY BANK . Home will be sold in AS-IS conditions.

    Walter Joseph Premier Realty 1 LLC

    20927 Kelly Place, Denver, CO 80249
  • /49

    $2,800,000

    • 6 Beds
    • 4.5 Baths
    • 5,270 Sq Ft

    929 N Pearl St, Denver, CO 80203

    Steeped in history, exuding century-old charm with modern, thoughtful updates, 929 N Pearl is nothing short of spectacular. This turn-of-the-century Victorian mansion sits on three lots and features six bedrooms, five bathrooms, and 5,244 finished square feet. With rich tones, high ceilings, five fireplaces, hardwood floors, a carved wooden staircase, and original built-ins, the home preserves

    Rachel Simring Milehimodern

    929 N Pearl St, Denver, CO 80203
  • /25

    $299,000

    • 1 Bed
    • 1.5 Baths
    • 682 Sq Ft

    2478 S Delaware St Unit 7, Denver, CO 80223

    Unbeatable price point + no HOA + light rail proximity + move-in-ready = WINNER Stylish modern 1BR, 2 BA townhome in Denver's sought-after Overland/SOBO neighborhood. This bright, open floor plan features contemporary finishes throughout, including 42" cabinetry, quartz countertops, designer backsplash, shiplap accent walls, stainless steel appliances, and convenient breakfast-bar seating. A

    Sharon Mann Keller Williams Integrity Real Estate LLC

    2478 S Delaware St Unit 7, Denver, CO 80223
  • /11

    $555,000

    • 3 Beds
    • 2 Baths
    • 1,051 Sq Ft

    5340 E 33rd Ave, Denver, CO 80207

    Welcome to this inviting three-bedroom, two-bathroom home in one of Denver’s most sought-after neighborhoods, North Park Hill. The home features beautifully updated bathrooms with modern finishes, providing a fresh and stylish touch to your daily routine. Fresh interior paint, plenty of natural light, new windows, carpet and gorgeous flooring. A newer air conditioning and heating system to

    Jerri Griffin HomeSmart Realty

    5340 E 33rd Ave, Denver, CO 80207
  • /50

    $1,895,000

    Open Sat 11AM - 1PM $29K PRICE DROP
    • 4 Beds
    • 5 Baths
    • 3,140 Sq Ft

    1286 S Pennsylvania St, Denver, CO 80210

    Welcome to 1286 S Pennsylvania—a masterfully built Platte Park residence located in one of Denver's most sought-after neighborhoods. Designed for the discerning lifestyle buyer, this exceptional home harmonizes sophisticated indoor living w/resort-caliber outdoor entertainment space. The home features a full luxury chefs kitchen - high end appliances including a ZLine 6-burner gas range,

    Barb Perruccio Great Place Real Estate Inc

    1286 S Pennsylvania St, Denver, CO 80210
  • /30

    $1,499,000

    $101K PRICE DROP Pre-Foreclosure
    • 4 Beds
    • 3 Baths
    • 3,600 Sq Ft

    3236 S Saint Paul St, Denver, CO 80210

    Big price reduction, come and get it. Do a few updates yourself and have fast equity of $100,000+, updated homes this size are selling for $2- $2.5MM!. Classic Southern Hills brick ranch with short walk down to award winning Slavens K-8 school. Fully remodeled and expanded in 2006 including vaulted ceiling family room and basement expansion moving the staircase to the side of the house allowing

    NED TOLLEY Ned Tolley

    3236 S Saint Paul St, Denver, CO 80210
  • /43

    $390,000

    $20K PRICE DROP
    • 2 Beds
    • 1 Bath
    • 967 Sq Ft

    422 E 6th Ave, Denver, CO 80203

    Location. Convenience. Ease. Welcome to your new home at 422 E 6th Ave in the heart of Denver’s historic Alamo Placita/Capitol Hill neighborhood. Just two blocks from some of Cap Hill’s most beloved spots: Trader Joe's, Angelo's Taverna, Don's Club Tavern, Carboy Winery, Cosmo's Pizza, and Pablo's Coffee: you’ll enjoy unbeatable walkability and the vibrant lifestyle that makes Cap Hill so

    Mark Kruse RE/MAX Alliance

    422 E 6th Ave, Denver, CO 80203
  • /43

    $699,000

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

    1525 Holly St, Denver, CO 80220

    Welcome to this storybook Tudor in the heart of South Park Hill, a charming 1937 all-brick home filled with timeless character and thoughtful updates. From the moment you arrive, the home’s arched front door and classic Tudor architecture create irresistible curb appeal.Step inside to a warm and inviting living room with hardwood floors, a cozy fireplace with mantel, and stunning custom

    Carol Hoffman Keller Williams DTC

    1525 Holly St, Denver, CO 80220
  • /14

    $509,900

    • 3 Beds
    • 1 Bath
    • 893 Sq Ft

    2921 Jasmine St, Denver, CO 80207

    Fall in love with single-level urban living at its finest! Situated on an expansive lot, this beautifully updated brick ranch offers the perfect mix of stylish interior finishes and exceptional outdoor space. The meticulously remodeled interior features 3 bedrooms, a pristine updated bathroom, and a bright eat-in kitchen. Best of all, buyers can move in with peace of mind knowing a brand-new

    Aureliano Moreno Yepez Keller Williams Realty Downtown LLC

    2921 Jasmine St, Denver, CO 80207
  • /48

    $799,000

    Open Sat 11AM - 2PM $33K PRICE DROP
    • 5 Beds
    • 3 Baths
    • 2,700 Sq Ft

    6904 E Villanova Place, Denver, CO 80224

    Welcome to this spacious and beautifully updated 5-bedroom, 3-bathroom home in the highly sought-after Hutchinson Hills neighborhood, situated on a quiet cul-de-sac. Location truly shines here—just minutes from I-25, shopping, dining, and entertainment. Bible Park is directly across the street - easy access to walking/biking trails, picnic areas, wildlife viewing, and endless outdoor recreation.

    Courtney Walker Osgood Team Real Estate

    6904 E Villanova Place, Denver, CO 80224
  • /38

    $595,000

    $80K PRICE DROP
    • 4 Beds
    • 2 Baths
    • 1,832 Sq Ft

    3640 Fairfax St, Denver, CO 80207

    If homes had glow-ups, this one would break the internet. Welcome to **3640 Fairfax St**, a completely remodeled, move-in-ready gem in one of Denver’s most desirable neighborhoods. It’s fresh, it’s inviting, and unlike your last situationship — it’s fully committed. From the moment you walk in, you’ll notice the difference. This home has been thoughtfully and thoroughly remodeled, blending modern

    Kyle Henning Mile High Real Estate LLC

    3640 Fairfax St, Denver, CO 80207
  • /49

    $1,025,000

    • 3 Beds
    • 2 Baths
    • 2,006 Sq Ft

    4528 W 27th Ave, Denver, CO 80212

    Welcome to one of Denver's most captivating brick bungalows, where timeless architecture has been beautifully reimagined with sophisticated modern design on an exceptional 15,300-square-foot lot just steps from Sloan's Lake, Edgewater Public Market, and the vibrant restaurants, breweries, and shops that make this one of the city's most sought-after neighborhoods. Inside, every space has been

    Stacey Bushaw Real Broker, LLC DBA Real

    4528 W 27th Ave, Denver, CO 80212
  • /31

    $500,000

    • 5 Beds
    • 2 Baths
    • 1,998 Sq Ft

    546 Leona Dr, Denver, CO 80221

    Welcome to this beautifully remodeled, move-in ready home in Sherrelwood Estates. Situated on an expansive nearly 11,000-square-foot lot, this inviting home offers 4 spacious bedrooms, 2 full bathrooms, and a versatile non-conforming 5th bedroom that's perfect as a home office, guest room, or flex space. A walk-out lower level and an oversized backyard complete with downtown Denver views from the

    Erik Carman Compass - Denver

    546 Leona Dr, Denver, CO 80221
  • /50

    $779,000

    • 4 Beds
    • 2 Baths
    • 2,434 Sq Ft

    1717 S Clayton St, Denver, CO 80210

    Tucked at the end of a private street just minutes from DU, vibrant dining, and light rail, this classic mid-century brick residence combines timeless Denver charm with unmatched income potential. Boasting an expansive driveway, an attached 2-car garage, and an enviable, ultra-private location where guests and residents enjoy peace without neighbor disruption, this property offers incredible

    Bobby Reginelli MODUS Real Estate

    1717 S Clayton St, Denver, CO 80210
  • /6

    $820,900

    New Construction
    • 4 - 6 Beds
    • 3.5 - 4.5 Baths
    • 2,825 Sq Ft

    Meadow Plan at Arras Park - The Copper Collection, Denver, CO 80229

    A home set to make an impression and with the room to prove it, from the butler pantry connected to the formal dining room to the open living space and the main-level guest suite option to host those you deem royalty.

    McStain Neighborhoods Builder
    10253 Milwaukee Cir Unit 36088583, Denver, CO 80229
  • /39

    $675,000

    • 3 Beds
    • 2 Baths
    • 1,892 Sq Ft

    4610 S Garrison St, Littleton, CO 80123

    Welcome Home! A beautifully updated home offering 1,892 sqft, 3 beds, 2 baths, attached 2-car garage, detached 1.5-car garage. Inside, the home blends warmth, character, and functionality. The open-concept, chef-ready kitchen features custom cabinetry, granite countertops, stainless steel appliances, a recessed ceiling range hood, generous prep space, and abundant storage. Oak hardwood flooring,

    Taunya Lanier RE/MAX Alliance

    4610 S Garrison St, Littleton, CO 80123
  • /50

    $587,000

    • 4 Beds
    • 2.5 Baths
    • 2,077 Sq Ft

    2023 S Tennyson St, Denver, CO 80219

    Harvey Park Location! Walk only blocks to Harvey Park and Recreation Center. Enjoy the smooth Denver commute from Tennyson and transition right into your own private oasis. This mid-century modern ranch style home is updated throughout including a show stopping kitchen, updated baths, hardwood floors throughout the main level, a finished basement with Egress window, and a covered, partially

    Connie G. Hensley RE/MAX Professionals

    2023 S Tennyson St, Denver, CO 80219
  • /36

    $495,000

    $30K PRICE DROP
    • 2 Beds
    • 4 Baths
    • 1,307 Sq Ft

    1480 Wolff St Unit 115, Denver, CO 80204

    SELLER MOTIVATED! Natural light pours through every level of this beautifully designed townhome, ideally situated just 21⁄2 blocks south of Sloan's Lake. With a thoughtful layout built for city living, this home strikes the perfect balance between style, space, and convenience.The ground level welcomes you with a spacious attached 2-car garage, welcoming foyer and a convenient half bath.

    Larry Elwood City West Real Estate

    1480 Wolff St Unit 115, Denver, CO 80204
  • /6

    $675,000

    $120K PRICE DROP
    • Land
    • 12,632 Sq Ft
    • $2,327,586 per Acre

    3011 W 49th Ave, Denver, CO 80221

    This is a rare opportunity in the highly competitive Regis market. The 12 unit proposed townhome development will meet the intense need for entry level and student housing not only in Berkley/Regis but in the entire Denver Metro area. Plans and entitlements for this project were previously approved, but are now expired. Opportunity for quick approval from City of Denver.

    Andrew Monette Pinnacle Real Estate Advisors

    3011 W 49th Ave, Denver, CO 80221
  • /9

    $880,000

    New Construction
    • 2 Beds
    • 2 Baths
    • 1,041 Sq Ft

    1643 Boulder St Unit 311, Denver, CO 80211

    Welcome to Denver’s vibrant Lower Highlands (LoHi), this new development, exclusively listed by Team Denver Homes, captures the essence of one of the city’s most sought-after neighborhood. LoHi is celebrated for its dynamic atmosphere, thriving restaurant scene, and exciting nightlife, all just minutes from Downtown via the Highland Pedestrian Bridge. The new construction development offers 35

    Mor Zucker LIV Sotheby's International Realty

    1643 Boulder St Unit 311, Denver, CO 80211
  • /2

    $1,000,000

    • Land
    • 8,712 Sq Ft
    • $5,000,000 per Acre

    0 Federal Blvd, Denver, CO 80221

    ALLOWED USES:- MU LTI - FAMI LY (3 - STO R I E S)- DAYCA R E- R E LI G I O U S AS S EMB LY- PA R K I N G GA R AG E- R E STAU R A NT- LO D G I N G-ME D I CA L O F F I C E- AUTO SA LE S A N D R E PA I R (LIMITE D)- G E N E R A L R ETA I L

    Brent Ham NavPoint Real Estate Group

    0 Federal Blvd, Denver, CO 80221
  • /48

    $1,195,000

    $100K PRICE DROP
    • 4 Beds
    • 5 Baths
    • 2,776 Sq Ft

    12 S Lincoln St, Denver, CO 80209

    Exceptional opportunity to own a beautifully renovated historic residence offering unmatched flexibility, designer finishes,and strong income potential in one of Denver’s most desirable urban neighborhoods. This thoughtfully updated propertyfeatures an immaculately maintained main home, a separate one-bedroom apartment with full kitchen, private laundry,radiant floor heating and

    Tad Burton Sierra Vista Realty LLC

    12 S Lincoln St, Denver, CO 80209
  • /11

    $399,000

    $59K PRICE DROP
    • 2 Beds
    • 1 Bath
    • 1,134 Sq Ft

    1540 S Wolcott Ct, Denver, CO 80219

    Move-in ready 2-bedroom, 1-bath home in the desirable Mar Lee/Sheridan Manor neighborhood! ~ This well-maintained home features engineered flooring, tile in the kitchen, double-pane windows, and a spacious primary bedroom with two closets. ~ Major updates include a newer roof (7 years), furnace and central A/C (3 years), and owned solar panels that will be paid off at closing, helping reduce

    Moises Nalvarte RE/MAX Professionals

    1540 S Wolcott Ct, Denver, CO 80219
  • /9

    $525,000

    • 1 Bed
    • 1 Bath
    • 643 Sq Ft

    1643 Boulder St Unit 207, Denver, CO 80211

    Welcome to Denver’s vibrant Lower Highlands (LoHi), this new development, exclusively listed by Team Denver Homes,captures the essence of one of the city’s most sought-after neighborhood. LoHi is celebrated for its dynamic atmosphere,thriving restaurant scene, and exciting nightlife, all just minutes from Downtown via the Highland Pedestrian Bridge. Thenew construction development

    Mor Zucker LIV Sotheby's International Realty

    1643 Boulder St Unit 207, Denver, CO 80211
  • /30

    $625,000

    $74K PRICE DROP
    • 3 Beds
    • 2 Baths
    • 1,398 Sq Ft

    3910 E Jerome Ave, Denver, CO 80210

    Amazing Opportunity! DU Investment/Rental or Charming First Home in Observatory Park! Meticulously maintained and filled with natural light, this thoughtfully expanded (family room addition in 2024) 3-bedroom, 2-bath home blends modern comfort with timeless charm. The stunning family room addition serves as the heart of the home, featuring a cozy fireplace, custom built-in shelving, vaulted

    Jewel Brown LIV Sotheby's International Realty

    3910 E Jerome Ave, Denver, CO 80210

Showing Results 281 - 320, Page 8 of 18

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