1,280

Homes for Sale in 78624

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  • /6

    $175,000

    • Land
    • 0.32 Acre
    • $545,171 per Acre

    334 Morning Glory Dr Unit 3GR, Fredericksburg, TX 78624

    Rare opportunity to own one of the few available city lots in Fredericksburg at an incredible price! Just one mile from Main Street, this .321 acre parcel is the perfect setting to build your new home, a long term rental with income potential, or could be ideal for a homebuilder to build a spec home! Just bring your vision! City water/sewer and CTEC electric available.

    Jenn Traver Keller Williams Gillespie Realty Group

    334 Morning Glory Dr Unit 3GR, Fredericksburg, TX 78624
  • /9

    $199,000

    • Land
    • 0.26 Acre
    • $777,344 per Acre

    1415 N Milam St Unit 3FR, Fredericksburg, TX 78624

    Opportunity to develop this .256 acre city lot on the edge of town, yet also less than a mile to Main Street! Improvements already on property include a 384 square foot partially finished living space waiting to be completed to your taste, as well as a storage building! Unfinished living space has vaulted ceiling with wood beams, and wall unit. Add a bathroom and it would make a great guest unit

    Jenn Traver Keller Williams Gillespie Realty Group

    1415 N Milam St Unit 3FR, Fredericksburg, TX 78624
  • /44

    $659,000

    • 3 Beds
    • 2 Baths
    • 1,860 Sq Ft

    803 Poplar St, Fredericksburg, TX 78624

    Exceptional Investment Opportunity in Fredericksburg! Welcome to The Roost and The Coop—a rare opportunity to own a high-performing short-term rental property generating over $87,000 annually, with two active STR permits. The main house is permitted to accommodate up to 10 guests, while the guest house is permitted for 2 guests, maximizing income potential and flexibility. Situated on a spacious

    Anna Wynne-Smith Portfolio Real Estate - KW

    803 Poplar St, Fredericksburg, TX 78624
  • /23

    $518,400

    • 2 Beds
    • 2 Baths
    • 1,069 Sq Ft

    210 N Acorn St, Fredericksburg, TX 78624

    This well-located 2 bedroom, 2 bathroom STR sits just two blocks from Main Street on a corner lot at Acorn and Schubert. The neighborhood is quiet, yet close to everything Fredericksburg has to offer. Shopping, dining, and popular spots like Jack's Chophouse, Fresh Pickens, Pi Social, Hondo's on Main, and the newer Sushi Tiki. The corner lot gives the property plenty of street parking space. In

    Clayton Sears Real Estate Advisory Team, LLC

    210 N Acorn St, Fredericksburg, TX 78624
  • /18

    $245,000

    • Land
    • 0.15 Acre
    • $1,633,333 per Acre

    75 Arch Ray Loop Unit 75, Fredericksburg, TX 78624

    Site 75 Arch Ray Loop is a premium corner homesite ideally located just steps from the clubhouse and amenities center in the highly sought-after Arch Ray Resort. This spacious .154-acre site offers a rare combination of convenience and privacy, with no future building behind the property, creating an open and unobstructed backdrop for your RV or future cabin build. Enjoy easy access to resort

    Lisa Richart-Hernandez

    75 Arch Ray Loop Unit 75, Fredericksburg, TX 78624
  • /9

    $325,000

    • Land
    • 10.03 Acres
    • $32,403 per Acre

    2082 Kopper Kettle Ln Unit 8, Fredericksburg, TX 78624

    Gorgeous Post Oak covered tract with numerous building sites. Newly built private, paved rd for access. Water well in place. Small enclosed metal barn for storage. Livestock pens. Electricity. Ag exempt. Abundant Wildlife. B&B or STR allowed. Just 15 minutes from Historic and Charming Fredericksburg.

    Scott Frantzen eXp Realty-Absolute Charm Real Estate Group

    2082 Kopper Kettle Ln Unit 8, Fredericksburg, TX 78624
  • /5

    $325,000

    • Land
    • 10 Acres
    • $32,497 per Acre

    11470 N Us Highway 87 Unit 1, Fredericksburg, TX 78624

    Gorgeous Post Oak covered tract with numerous building sites. New water well (195' depth, 25 gpm) Ag exempt. Gated entrance. Abundant Wildlife. B&Bs or STRs allowed. Just 15 minutes from Historic and Charming Fredericksburg.

    Scott Frantzen eXp Realty-Absolute Charm Real Estate Group

    11470 N Us Highway 87 Unit 1, Fredericksburg, TX 78624
  • /19

    $264,900

    • Land
    • 0.21 Acre
    • $1,261,429 per Acre

    155 Resort Ct Unit 155, Fredericksburg, TX 78624

    Site 155 at Arch Ray Resort offers a rare pond-view setting on a spacious .21-acre homesite that can accomodate up to 1500 sq.ft home or mini barndominium plus your RV, combining peaceful scenery with unbeatable walkability. Enjoy tranquil water views right from your site while still being perfectly positioned near the heart of the resort. Located directly across the street from the river access

    Lisa Richart-Hernandez

    155 Resort Ct Unit 155, Fredericksburg, TX 78624
  • /40

    $1,399,000

    • 5 Beds
    • 3.5 Baths
    • 3,420 Sq Ft

    11890 Ranch Road 965, Fredericksburg, TX

    Tucked away on 12.82 picturesque acres in the heart of the Texas Hill Country, this beautifully renovated property offers a lifestyle that is increasingly hard to find privacy, live water, and a thoughtfully updated home just minutes from Fredericksburg. Crabapple Creek winds through the land, providing year-round live water that enhances both the beauty and the experience of the property.

    Raul Ruiz Phyllis Browning Company

    11890 Ranch Road 965, Fredericksburg, TX
  • /32

    $579,000

    • 3 Beds
    • 2 Baths
    • 1,196 Sq Ft

    812 W Austin St, Fredericksburg, TX 78624

    SO CUTE! Experience the glamour & charm of Hollywood's golden era at "That Marilyn House," a Marilyn Monroe themed BnB situated in a delightful neighborhood just three minutes from downtown Marktplatz. This stylish retreat celebrates the iconic elegance of Marilyn Monroe & comfortably sleeps up to 6 guests. Recently renovated, it offers a unique blend of historic charm & modern comfort in the

    Mimi Bartel & Adam Carroll Fore Premier Properties

    812 W Austin St, Fredericksburg, TX 78624
  • /5

    $1,100,000

    • Land
    • 0.81 Acre
    • $1,358,025 per Acre

    769 Hagee Dr Unit 769, Fredericksburg, TX 78624

    This gently sloping homesite on Catfish Lake makes for incredible views from your back porch. Very few homesites in Boot Ranch afford you the luxury of a waterfront property at such an excellent value. Lot 762 is just down the road from the brand-new Longhorn Landing lake amenity. Home plans and builders must submit their plans to the Boot Ranch Architectural Review Board for approval. There is

    Sean Gioffre Boot Ranch Realty, LLC

    769 Hagee Dr Unit 769, Fredericksburg, TX 78624
  • /4

    $1,400,000

    • 3 Beds
    • 1 Bath
    • 1,184 Sq Ft

    516 Silver Maple St, Fredericksburg, TX 78624

    INVESTORS: Where can you find 1.55 acres in the city limits? This R-4 Manufactured Home Residential zoned property known as the Holloway Mobile Home Park is available for the first time ever. Included is a cute Early Fredericksburg style stick-built 3BR/1BA home with 1,184 sq. ft. built in 1941, on a corner lot PLUS 15 manufactured home sites. There is a total of 16 separate City of FBG electric

    Mimi Bartel & Adam Carroll Fore Premier Properties

    516 Silver Maple St, Fredericksburg, TX 78624
  • /3

    $453,750

    • Land
    • 0.3 Acre
    • $1,507,475 per Acre

    218 Woodcrest St Unit 7, Fredericksburg, TX 78624

    Tucked away in a brand-new, intimate 9-lot subdivision on Fredericksburg's desirable west side—well removed from the commercial bustle of HWY 290 East—this beautiful lot offers a rare opportunity to build in a thoughtfully planned community. The property features underground utilities, curbed streets, and pre-cut driveway access for added convenience. Mature post oak trees and scenic views create

    Mimi Bartel & Adam Carroll Fore Premier Properties

    218 Woodcrest St Unit 7, Fredericksburg, TX 78624
  • /3

    $454,033

    • Land
    • 0.3 Acre
    • $1,508,415 per Acre

    219 Catholic Cemetery Rd Unit 3, Fredericksburg, TX 78624

    Lot #3 in the new small exclusive 9 lot subdivision on the west side of Fredericksburg with underground utilities, curbing and driveway cuts. This lot has post oak trees and views. Restrictions but no HOA.

    Mimi Bartel & Adam Carroll Fore Premier Properties

    219 Catholic Cemetery Rd Unit 3, Fredericksburg, TX 78624
  • /36

    $569,000

    • 3 Beds
    • 2 Baths
    • 1,309 Sq Ft

    303 E Walnut St, Fredericksburg, TX 78624

    R-2 Zoning. Double lots. Each is 95.90x180.30. Meticulously maintained single story 3/2 home built in1963 by quality local craftsmen of William Cameron Company. Double corner lot in a desirable location close to hospital , schools, shopping, and Main Street. Spacious bedrooms each can accommodate a king-size bed. Private main bedroom boasts an extra wide closet, plus a cedar lined double rack

    Wesley Giesbers CENTURY 21 The Hills Realty

    303 E Walnut St, Fredericksburg, TX 78624
  • /4

    $421,484

    • Land
    • 0.25 Acre
    • $1,659,386 per Acre

    1001 W Travis St Unit 6, Fredericksburg, TX 78624

    --Beautiful Tree-Covered Corner Lot in West Fredericksburg-- Located at the intersection of Travis Street and Woodcrest Street, this spacious corner lot sits in a newly developed, intimate subdivision on the desirable west side of Fredericksburg. Surrounded by mature post oak trees, the property offers natural beauty and shade in a serene setting. Enjoy the convenience of underground utilities,

    Mimi Bartel & Adam Carroll Fore Premier Properties

    1001 W Travis St Unit 6, Fredericksburg, TX 78624
  • /3

    $400,128

    • Land
    • 0.23 Acre
    • $1,709,949 per Acre

    1005 W Travis St Unit 5, Fredericksburg, TX 78624

    Build Your Dream Home on the West Side of Town! Discover this brand-new 9-lot subdivision offering an ideal setting for your future home. Located on the desirable west side of town, each lot features underground utilities, curbed streets, and pre-cut driveways for added convenience. This lot is graced with beautiful post oak trees, providing natural shade and charm. Light restrictions help

    Mimi Bartel & Adam Carroll Fore Premier Properties

    1005 W Travis St Unit 5, Fredericksburg, TX 78624
  • /3

    $467,426

    • Land
    • 0.32 Acre
    • $1,479,196 per Acre

    215 Catholic Cemetery Rd Unit 2, Fredericksburg, TX 78624

    Build your dream home on Lot #2 in the new smaller 9 lot subdivision on the sought after west side of Fredericksburg. The lot is ready with underground utilities, curbing and driveway cuts already in place. This lot has post oak trees and westerly views. Restrictions but no HOA.

    Mimi Bartel & Adam Carroll Fore Premier Properties

    215 Catholic Cemetery Rd Unit 2, Fredericksburg, TX 78624
  • /3

    $480,717

    • Land
    • 0.32 Acre
    • $1,511,689 per Acre

    1009 W Travis St Unit 4, Fredericksburg, TX 78624

    Build Your Dream Home on the West Side of Town! Discover this corner lot fronting both W. Travis St and Catholic Cemetery Rd in the brand-new 9-lot subdivision offering an ideal setting for your future home. Located on the desirable west side of town, each lot features underground utilities, curbed streets, and pre-cut driveways for added convenience. Some lots are graced with beautiful post oak

    Mimi Bartel & Adam Carroll Fore Premier Properties

    1009 W Travis St Unit 4, Fredericksburg, TX 78624
  • /4

    $825,000

    • Land
    • 2.58 Acres
    • $319,767 per Acre

    741 Marfa Trail Unit 741, Fredericksburg, TX 78624

    This exceptional lot offers a high and level homesite above the Racquet Club and gorgeous hills beyond. The building envelope creates a private tract within the trees, on a wide area with an east-facing back porch. Your architect will relish creating a trophy home on this exceptional lot. Builders, house plans, and landscape plans must be reviewed and approved by the Architectural Review Board,

    Sean Gioffre Boot Ranch Realty, LLC

    741 Marfa Trail Unit 741, Fredericksburg, TX 78624
  • /3

    $1,975,000

    • Land
    • 3.18 Acres
    • $621,069 per Acre

    564 Muncey Ridge Dr Unit 564, Fredericksburg, TX 78624

    This incredible homesite is located close to the main gate and still offers easy access to all the amenities within the club. Just a quick shuttle cart ride to the Racquet Club, the Ranch Club, Metzger Park and the Clubhouse Village. The plans and renderings that are displayed have been designed for this lot by Pollard Hodgson Architects and have been preliminarily approved by the Architectural

    Sean Gioffre Boot Ranch Realty, LLC

    564 Muncey Ridge Dr Unit 564, Fredericksburg, TX 78624
  • /4

    $1,295,000

    • Land
    • 0.75 Acre
    • $1,726,667 per Acre

    Unlisted Address

    This exceptional homesite will feature 180-degree views of Catfish Lake and gorgeous hills beyond. Builders, house plans and landscape plans must be reviewed and approved by the Architectural Review Board, in accordance with current Architectural Design Guidelines. There is no time limit on building. The purchase price includes a multi-generational Boot Ranch Club membership. Contact Boot Ranch

    Sean Gioffre Boot Ranch Realty, LLC

    Unlisted Address
  • /3

    $1,200,000

    • Land
    • 2.18 Acres
    • $550,459 per Acre

    603 Prosper Ln Unit 603, Fredericksburg, TX 78624

    Membership is required for Boot Ranch. Access to private golf & family amenities in a luxury community with homes ranging from $2.5M to $10M. The community boasts a lake club, swimming pools, fitness center, golf, fishing, private dining, a 55,000 sq ft Club House Village, tennis, multi-sport courts, biking, trail systems, trap & skeet range, and regular member activities.

    Sean Gioffre Boot Ranch Realty, LLC

    603 Prosper Ln Unit 603, Fredericksburg, TX 78624
  • /3

    $1,495,000

    • Land
    • 1.64 Acres
    • $911,585 per Acre

    846 Hagee Dr Unit 846, Fredericksburg, TX 78624

    Homesite is located on Hagee Drive, to the north of Longhorn Lake and directly above Catfish Lake at the headwaters of Palo Alto Creek. This level lot and building envelope invite you to build your dream home or family getaway. Home plans and builders must be submitted to Boot Ranch Architectural Review Board for approval. There is no time limit on building. A Boot Ranch Club Membership is

    Sean Gioffre Boot Ranch Realty, LLC

    846 Hagee Dr Unit 846, Fredericksburg, TX 78624
  • /26

    $3,650,000

    • 3 Beds
    • 3.5 Baths
    • 3,995 Sq Ft

    176 Putting Park Dr, Fredericksburg, TX 78624

    This Penthouse condominium residence overlooks Hole 9 of the Boot Ranch Golf Course, with gorgeous views to the east. The award-winning team of architect Don B. McDonald and interior designer Donna Figg have created a home with wonderful spaces and meticulous detailing in the finishes and fixtures. The ground-floor entry foyer has extensive storage, a private elevator, and a grand staircase to

    Sean Gioffre Boot Ranch Realty, LLC

    176 Putting Park Dr, Fredericksburg, TX 78624
  • /21

    $650,000

    • 3 Beds
    • 2 Baths
    • 2,150 Sq Ft

    394 C D Ln, Fredericksburg, TX 78624

    Set on 5 unrestricted acres just minutes from Fredericksburg, this versatile Hill Country property offers a rare opportunity to customize a substantial barndominium to suit your vision. Located only 5.1 miles from downtown Fredericksburg and approximately 1.5 miles from town amenities and wineries, the setting balances rural space with exceptional convenience. The 4,000 sq. ft. metal barndominium

    Walter Crowder Fredericksburg Realty

    394 C D Ln, Fredericksburg, TX 78624
  • /3

    $2,650,000

    • Land
    • 2.08 Acres
    • $1,274,038 per Acre

    656 Hagee Dr Unit 656, Fredericksburg, TX 78624

    This homesite is directly adjacent to Longhorn Lake, with a large level building site. Walk to the Lake Club, or take a quick shuttle cart ride on the Longhorn Trail to the Racquet Club, the Ranch Club, Metzger Park and the Clubhouse Village. Design your own home or start with a plan from one of our approved builders and customize it to meet your family's needs. Builders, house plans and

    Sean Gioffre Boot Ranch Realty, LLC

    656 Hagee Dr Unit 656, Fredericksburg, TX 78624
  • /4

    $1,495,000

    • Land
    • 1.07 Acres
    • $1,397,196 per Acre

    768 Hagee Dr Unit 768, Fredericksburg, TX 78624

    This exceptional homesite will feature 180-degree views of Catfish Lake and gorgeous hills beyond. Just down the road from the brand-new Longhorn Landing lake amenity. Builders, house plans, and landscape plans must be reviewed and approved by the Architectural Review Board in accordance with current Architectural Design Guidelines. There is no time limit on building. A Boot Ranch Club Membership

    Sean Gioffre Boot Ranch Realty, LLC

    768 Hagee Dr Unit 768, Fredericksburg, TX 78624
  • /12

    $659,000

    • 4 Beds
    • 2.5 Baths
    • 2,450 Sq Ft

    1338 Sultemeier-Moellering Rd, Fredericksburg, TX 78624

    Wonderful opportunity awaits with this acreage and home, just minutes from Main St. Fredericksburg. Located on the eastern side of the property, sits a four bedroom, two and half bath residence. Home is in need of update and repair. The main floor features a large formal dining room as well as a nice sized kitchen and breakfast area. Down the stairs, is a cozy den with fireplace/stove. Nice sized

    Brad Mechler Reata Ranch Realty, LLC

    1338 Sultemeier-Moellering Rd, Fredericksburg, TX 78624
  • /4

    $5,495,000 New Construction

    • 5 Beds
    • 5.5 Baths
    • 4,468 Sq Ft

    110 Temple Trail, Fredericksburg, TX 78624

    This wonderful family home embodies sought-after architecture in the hill country region and adds contemporary features like an open great room, lavish master suite, and high-end finishes throughout. Exterior materials include natural stone, steel, and glass entry doors, black-clad windows, metal wall panel accents, standing-seam metal roofs, and Seville travertine flooring on patios and porches.

    Sean Gioffre Boot Ranch Realty, LLC

    110 Temple Trail, Fredericksburg, TX 78624
  • /20

    $291,999 New Construction

    • 4 Beds
    • 2 Baths
    • 1,667 Sq Ft

    203 Juanita Way, Fredericksburg, TX 78624

    This new single-story design makes smart use of the space available. At the front are all three secondary bedrooms arranged near a convenient full-sized bathroom. Down the foyer is a modern layout connecting a peninsula-style kitchen made for inspired meals, an intimate dining area and a family room ideal for gatherings. Tucked in a quiet corner is the owner’s suite with an attached bathroom and

    Lennar Builder
    203 Juanita Way, Fredericksburg, TX 78624
  • /21

    $380,000

    • Land
    • 10.49 Acres
    • $36,225 per Acre

    51 Ds Rd Rd, Fredericksburg, TX 78624

    A rare Hill Country opportunity just minutes from Fredericksburg and Enchanted Rock. This 10-acre property with an ag exemption, no restrictions, well and septic, offers endless potential. The existing rock home (remodeled in 2003) is being sold as is and needs work—perfect for those ready to reimagine, restore, or rebuild.No other parcel with an ag exemption this close to Fredericksburg exists.

    Brandy Harrison Engel & Volkers Austin

    51 Ds Rd Rd, Fredericksburg, TX 78624
  • /38

    $775,000

    • 4 Beds
    • 2 Baths
    • 2,244 Sq Ft

    308 Tanglewood Dr, Fredericksburg, TX 78624

    Tucked beneath a canopy of beautiful oak trees, this 4-bedroom, 2-bath gem in Fredericksburg's Carriage Hills neighborhood offers style, comfort, and an entertainer's dream backyard. Situated on a 0.4-acre lot, this well-maintained 2,244 sq ft home is filled with natural light and timeless charm. The backyard is a showstopper, featuring a stunning custom-designed pool and hot tub crafted by a

    Lisa Stapleton CENTURY 21 The Hills Realty

    308 Tanglewood Dr, Fredericksburg, TX 78624
  • /25

    $2,095,000

    • 4 Beds
    • 3.5 Baths
    • 2,320 Sq Ft

    104 E Austin St, Fredericksburg, TX 78624

    Set just one block off Fredericksburg's iconic Main Street, 104 E. Austin Street offers a rare combination of historic significance, prime walkability, and proven income performance. Originally constructed in the 1770s, this authentic log cabin was carefully decommissioned and relocated from Pennsylvania to Fredericksburg in the 1980s, where it was meticulously reassembled and preserved. Today,

    Walter Crowder Fredericksburg Realty

    104 E Austin St, Fredericksburg, TX 78624
  • /2

    $1,200,000

    • 3 Beds
    • 2 Baths
    • 2,201 Sq Ft

    12044 S State Highway 16, Fredericksburg, TX 78624

    Unrestricted Highway 16 Frontage with Endless Hill Country Potential. Former winery, tasting room, and residence featuring multiple buildings, expansive patios, commercial kitchens, and stunning views. Ideal for a wedding venue, restaurant, event space, short-term rentals, or live/work Hill Country destination. Discover a rare Texas Hill Country property with highly visible Highway 16 frontage

    Yolanda Dittmar Dittmar Realty

    12044 S State Highway 16, Fredericksburg, TX 78624
  • /9

    $1,600,000 New Construction

    • 3 Beds
    • 3.5 Baths
    • 3,196 Sq Ft

    118 Baurenhof Ct, Fredericksburg, TX 78624

    Home to be built on two Lots! Build your dream home in a Southern Living–approved gated community. Builder is ready with customizable plans for this unique home located on a shaded double lot with post oak trees. Open-concept kitchen, dining, and living area with a double-sided gas fireplace. Primary suite is privately located with its own porch, large tile shower, separate tub, and 160 sq. ft.

    Michele 'Mitch' Smith Reata Ranch Realty, LLC

    118 Baurenhof Ct, Fredericksburg, TX 78624
  • /28

    $900,000

    • 3 Beds
    • 2 Baths
    • 3,078 Sq Ft

    1200 Doe Run Hollow, Fredericksburg, TX 78624

    Tucked away at the end of a quiet cul-de-sac, this beautiful custom home sits on an oversized 1+ acre lot shaded by several majestic, mature oak trees. Offering privacy, space, and timeless Texas Hill Country charm, this property is a rare find just a short walk from downtown Fredericksburg. Inside, the home features three massive bedrooms and an exceptional chef's kitchen designed for both

    Dustin Raye Spyglass Realty

    1200 Doe Run Hollow, Fredericksburg, TX 78624
  • /12

    $369,000

    • 3 Beds
    • 1.5 Baths
    • 1,390 Sq Ft

    811 Franklin St, Fredericksburg, TX 78624

    An interesting property that can have multiple uses and opportunities. GCAD states it was built in 1950, likely that is for what is the majority of the pier/beam part of the home. Apparently the southern end of the home was built prior to that and consisted of a kitchen, bath and a bedroom using brick construction and is now adjoined to the main home via a breezeway. Home needs remodeling, would

    Dennis Kusenberger RE/MAX Town & Country

    811 Franklin St, Fredericksburg, TX 78624
  • /24

    $179,000

    • Land
    • 0.12 Acre
    • $1,491,667 per Acre

    191 Farm To Market 1376, Fredericksburg, TX 78624

    Beautiful lot with incredible views of the Texas Hill Country, this is truly the vacationers dream! Manicured lot with RV hook up ready to go; this is the perfect spot to AirBnB your tiny home or RV. Neighborhood features an expansive infinity edge pool inside the community center that has a fully equipped kitchen, entertainment area, dog park, laundry facilities, and play center. Only minutes

    Paul Garcia Phyllis Browning Company

    191 Farm To Market 1376, Fredericksburg, TX 78624
  • /16

    $275,000

    • Land
    • 0.19 Acre
    • $1,447,368 per Acre

    40 Lager Ct Unit 40, Fredericksburg, TX 78624

    Site 40 Lager Ct is a prime cabin homesite ideally positioned backing up to the pool and amenities center in Arch Ray on the River. This sought-after location offers an easy walk to the resort-style pool, clubhouse, and social amenities-making it especially attractive to guests and owners alike. Designed for both lifestyle and income potential, this site is an excellent choice for buyers looking

    Lisa Richart-Hernandez

    40 Lager Ct Unit 40, Fredericksburg, TX 78624

Showing Results 361 - 400, Page 10 of 18

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