1,069

Glendale, AZ Homes for Sale

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  • /22

    $250,000

    • 2 Beds
    • 2 Baths
    • 1,312 Sq Ft

    4713 W Northern Ave, Glendale, AZ 85301

    FHA APPROVED. *Seller offering a RATE BUY DOWN incentive to HELP REDUCE your monthly mortgage payment- potentially SAVING you hundreds each month.* Welcome to your upgraded SINGLE STORY 2-bed, 2-bath cozy townhome in West Plaza! Fresh designer PAINT, CARPET, and NEW LVP throughout. North/South facing. Shaded patio & 2 carport spaces. Shed next to parking for extra storage.

    Caden Chenoweth Gentry Real Estate

    4713 W Northern Ave, Glendale, AZ 85301
  • /20

    $184,900

    • 2 Beds
    • 2 Baths
    • 865 Sq Ft

    11640 N 51st Ave Unit 137, Glendale, AZ 85304

    Discover the perfect fusion of comfort and convenience in this stunning, remodeled unit. This open-concept, ground-floor corner unit provides an inviting atmosphere that immediately feels like home. Only a 5 minute commute to ASU West Valley Campus and 15 minutes to GCU, ideal for college students. Step into a living space featuring a beautifully updated kitchen complete with sleek countertops

    LaTonya Stuart RE/MAX Signature

    11640 N 51st Ave Unit 137, Glendale, AZ 85304
  • /26

    $344,900

    • 1 Bed
    • 1 Bath
    • 909 Sq Ft

    7401 W Arrowhead Clubhouse Dr Unit 2047, Glendale, AZ 85308

    Beautiful partly Furnished Condo in Fairways at Arrowhead Clubhouse Golf Course, Gated Resort style Community. Bright Kitchen with Upgraded Cabinets, all Stainless Steel Appliances including Refrigerator, Granite Counter Tops, Breakfast Bar, Pantry and walk-out to a spacious Covered Balcony. Formal Living Room with Dinette. Inside laundry room with Washer and Dryer. Master Bedroom with nice size

    Donna Laguna Realty ONE Group

    7401 W Arrowhead Clubhouse Dr Unit 2047, Glendale, AZ 85308
  • /34

    $440,400

    • 3 Beds
    • 2 Baths
    • 1,990 Sq Ft

    4444 W Evans Dr, Glendale, AZ 85306

    NO HOA! Spacious 3 Bed, 2 Bath on corner lot! Located in a well established and desirable community, this home offers comfort, functionality, and great curb appeal. Positioned on a quiet cul-de-sac with preferred north/south exposure. Inside, you'll find a bright, open floor plan featuring a large living room with a cozy fireplace. The great room is filled with natural light from skylights, with

    Victoria Ofstedahl HomeSmart

    4444 W Evans Dr, Glendale, AZ 85306
  • /50

    $629,000

    • 3 Beds
    • 2 Baths
    • 1,623 Sq Ft

    20390 N 54th Ave, Glendale, AZ 85308

    Enjoy this spectacular waterfront home with incredible lake views! Fully renovated neighborhood gem featuring custom granite countertops, glass tile backsplash, smudge-proof stainless steel appliances, washer and dryer, and neutral tile throughout. Newer AC, hot water heater, and microwave - all installed in 2022. The attention to detail is what makes this lakeside home so special! Set in the

    Ronnie Spece At Home Desert Realty

    20390 N 54th Ave, Glendale, AZ 85308
  • /10

    $129,500

    • 1 Bed
    • 1 Bath
    • 483 Sq Ft

    4730 W Northern Ave Unit 1170, Glendale, AZ 85301

    DON'T MISS THIS ONE! Perfect for 1ST Time Home Buyer or Investor!! This beautiful, Ground-Level STUDIO is freshly painted & MOVE-IN READY, complete with built-in (Pull Down) MURPHY BED, Wood Plank Vinyl Flooring Throughout, newer kitchen appliances, & Separate Indoor Laundry, with Full-Size Washer/Dryer! Additional storage off front entry too! Fantastic location, close to Resort-Sized POOL, SPA &

    Mary Maloney Realty ONE Group

    4730 W Northern Ave Unit 1170, Glendale, AZ 85301
  • /27

    $474,999

    • 3 Beds
    • 2 Baths
    • 1,701 Sq Ft

    20644 N 41st Ave, Glendale, AZ 85308

    $10,000 seller concession toward your closing costs when purchased at full price! Beautiful 3-bedroom, 2-bathroom home with 1,701 sq. ft. of living space on a 7,198 sq. ft. lot and stunning mountain views—This home features a spacious primary suite with double vanities, a separate shower and tub, and a generous walk-in closet. Cozy evenings are guaranteed by the fireplace, while solar screens,

    Sray Kaliyanei West USA Realty

    20644 N 41st Ave, Glendale, AZ 85308
  • /26

    $240,000

    • 3 Beds
    • 2 Baths
    • 1,320 Sq Ft

    4734 W Rose Ln, Glendale, AZ 85301

    Step into the perfect starter home! This beautifully refreshed 3-bedroom, 2-bathroom townhome offers a blend of modern comfort and effortless living. You'll love the fresh feel of new flooring throughout and the peace of mind that comes with a brand new A/C unit installed in 2024. The location is a commuter's dream, providing easy access to both Highway 60 and I-17, 10 minutes away from GCU.

    Kathia Angulo Realty ONE Group

    4734 W Rose Ln, Glendale, AZ 85301
  • /28

    $145,000

    • 3 Beds
    • 2 Baths
    • 1,320 Sq Ft

    5747 W Missouri Ave Unit 176, Glen Dale, AZ 85301

    New listing! This home is very clean with an open floor plan. Perfect for entertaining friends and family! Spacious bedrooms perfect for your growing family. Master bedroom features a large walk-in closet and an ensuite bathroom. The kitchen features a wall mounted pot filler and a beautiful vent hood over the stove. All appliances are included in the home. Glendale Cascade is a family park that

    Michael Wilson Glendale Cascade

    5747 W Missouri Ave Unit 176, Glen Dale, AZ 85301
  • /27

    $399,900

    • 3 Beds
    • 2 Baths
    • 1,799 Sq Ft

    10608 N 53rd Cir, Glendale, AZ 85304

    HUGE Lot! Culdesac Home. Peoria School District. NO HOA. Bright and open kitchen. Spacious 3 bedroom 2 Bath Home. Near Schools and Shopping. RV Gate With plenty of Backyard. 24hr Notice

    Mike Vasquez My Home Group Real Estate

    10608 N 53rd Cir, Glendale, AZ 85304
  • /37

    $546,990

    • 4 Beds
    • 3 Baths
    • 2,281 Sq Ft

    4932 W Cheryl Dr, Glendale, AZ 85302

    Introducing a brand-new home! This spacious two-story property includes 4 bedrooms, 3 bathrooms, and a loft! This home offers plenty of room for all your needs. It has an expansive 3-car wide garage. Inside, the open floor plan is ideal for modern living. The kitchen is a true highlight, with a gourmet kitchen setup featuring a beautiful quartz island, a sleek backsplash, and a walk-in pantry.

    Daniel Thomson Landsea Homes

    4932 W Cheryl Dr, Glendale, AZ 85302
  • /33

    $469,000

    • 4 Beds
    • 3 Baths
    • 1,931 Sq Ft

    5505 N 103rd Dr, Glendale, AZ 85307

    BEAUTIFULLY REMODELED SMART HOME with NEW 2025 App Controlled Trane Air-Conditioning, Amazon app-controlled garage door, and app-controlled drip system! With new tile and carpet, this home has too many upgrades to list, with almost 2000 square feet, 4 bed 3 bath, POOL, RV Gate and outdoor fireplace! THIS ENTERTAINER'S DREAM, IS ONLY ONE MILE AWAY FROM THE STATE FARM ARENA, WESTGATE ENTERTAINMENT

    Frank Portera HomeSmart

    5505 N 103rd Dr, Glendale, AZ 85307
  • /33

    $270,000

    • 2 Beds
    • 2 Baths
    • 1,512 Sq Ft

    3702 W Abraham Ln, Glendale, AZ 85308

    Well-maintained manufactured home with stunning mountain views and no HOA! Enjoy a newer AC (2019) and roof updates (2019 & 2022), making this home move-in ready. The open layout features a skylight that fills the living area with natural light, and the split master bedroom offers added privacy. The office/den includes doors, allowing for an easy conversion to a 3rd bedroom. Refrigerator, washer,

    George Laughton My Home Group Real Estate

    3702 W Abraham Ln, Glendale, AZ 85308
  • /9

    $348,600

    • 4 Beds
    • 2 Baths
    • 2,058 Sq Ft

    5148 W Dahlia Dr, Glendale, AZ 85304

    This Ranch style single family home offers 4 bedrooms and 2 bathrooms with approximately 2058 square feet of living space on a 0.19 acre lot. There are no inspection or financing contingencies on this cash only purchase. No Buyer Premium on this property. The data presented in this listing is deemed reliable but not guaranteed. This information should be used for informational use only and does

    Clay Strawn Legion Realty

    5148 W Dahlia Dr, Glendale, AZ 85304
  • /41

    $615,000

    • 5 Beds
    • 4.5 Baths
    • 3,018 Sq Ft

    5803 N 88th Ln, Glendale, AZ 85305

    Welcome to your dream home in the heart of Glendale, Just minutes from the Cardinals Stadium, Westgate Entertainment District, and the newly completed Mattel Adventure Park and resort casino, this beautifully designed, energy-efficient home offers everything today's buyer is looking for... space, style, comfort, and convenience. Boasting five generously sized bedrooms and four and a half

    Jason Penrose eXp Realty

    5803 N 88th Ln, Glendale, AZ 85305
  • /42

    $363,500

    • 3 Beds
    • 3 Baths
    • 1,546 Sq Ft

    5174 W Laurel Ave, Glendale, AZ 85304

    Brand new AC just installed and new flooring this week. This charming two-story home is located in the family-friendly La Paloma community and features a spacious, low maintenance backyard with plenty of shade—perfect for relaxing or entertaining. Inside, the well-designed layout offers high ceilings in the entryway, an open-concept kitchen with a stainless steel stove and dishwasher, and a roomy

    Jason Penrose eXp Realty

    5174 W Laurel Ave, Glendale, AZ 85304
  • /20

    $55,000

    • 3 Beds
    • 2 Baths
    • 1,440 Sq Ft

    8601 N 71st Ave Unit 147, Glendale, AZ 85301

    Take advantage of this opportunity to own a spacious 3-bedroom, 2-bath double wide manufactured home with 1,440 sq ft of living space. The open layout features a generous living room, dining area, and a large laundry room. The primary bedroom includes its own private bath, two closets—including a walk-in—for added storage. Recent exterior updates include fresh paint and repaired skirting, and the

    Vanessa Guzman Molina Avenue Home Realty

    8601 N 71st Ave Unit 147, Glendale, AZ 85301
  • /22

    $389,000

    • 3 Beds
    • 2 Baths
    • 1,344 Sq Ft

    4638 W Midway Ave, Glendale, AZ 85301

    Wow, what an incredible opportunity! Stunning Fully Remodeled 3 Bed, 2 Bath Oasis! Welcome home to your dream escape! This 1344 sqft residence is nestled on a generous 6835 sqft lot, providing plenty of space for relaxation and fun! Spacious bedrooms, perfect for family living, each room is filled with light and charm! Beautifully Updated Bathrooms with modern fixtures make your daily routine

    Judith Perales American Freedom Realty

    4638 W Midway Ave, Glendale, AZ 85301
  • /27

    $45,000

    • 2 Beds
    • 1 Bath
    • 800 Sq Ft

    8601 N 71st Ave, Peoria, AZ 85345

    Check out this beautifully remodeled mobile home situated in one of the best mobile home parks in the area. Enjoy an open layout kitchen / dining room area, quartz countertops, and abundant lighting throughout. The main bedroom includes a large double closet. All appliances included (even the washer and dryer!) Lender is available - ask listing agent.

    Luciana Valdez A.Z. & Associates

    8601 N 71st Ave, Peoria, AZ 85345
  • /16

    $1,600,000

    • 4,429 Sq Ft

    7900 N 70th Ave Unit 101, Glen Dale, AZ 85303

    This high-visibility, signalized hard-corner site presents a rare redevelopment opportunity in North Central Phoenix. The ±1,629 SF freestanding building features a large fenced yard, covered canopy, and existing drive-thru functionality—ideal for drive-thru QSR, express auto, or similar retail uses. C-1 zoning offers flexibility for various commercial uses. Optional inclusion of Dunlap

    Aaron Gutierrez R.O.I. Properties

    7900 N 70th Ave Unit 101, Glen Dale, AZ 85303
  • /28

    $419,900

    • 4 Beds
    • 2 Baths
    • 1,980 Sq Ft

    14207 N 51st Dr Unit 15, Glendale, AZ 85306

    Welcome to this lovely 4-bedroom, 2-bathroom home that boasts a 2-car garage and an RV gate. This home features new floors, a fully remodeled kitchen, and updated bathrooms, all completed in 2024. The roof, windows and A/C were all replaced in 2022, so there's no need to worry about any major repairs. The best part? There's no HOA, giving you the freedom to enjoy your home as you please. This

    Tony Sawa HomeSmart

    14207 N 51st Dr Unit 15, Glendale, AZ 85306
  • /47

    $400,000

    • 3 Beds
    • 2 Baths
    • 1,578 Sq Ft

    6237 W Orchid Ln, Glendale, AZ 85302

    Original Owner has babied this home like its their own child. See for yourself. Gate code in private remark

    Anton Vu Access Arizona Realty

    6237 W Orchid Ln, Glendale, AZ 85302
  • /36

    $520,000

    • 4 Beds
    • 2.5 Baths
    • 2,287 Sq Ft

    5339 W Kaler Cir, Glendale, AZ 85301

    Welcome to 5339 West Kaler Circle in Glendale, AZ ,For those seeking financial flexibility, there's an enticing 3.37% assumable VA loan available for qualified buyers, making this home not only a wonderful place to live but also a smart investment. a charming home built in 2001 that perfectly blends modern comfort with timeless appeal. This delightful single-story residence offers a spacious

    Eddy Blanco Blanco Realty

    5339 W Kaler Cir, Glendale, AZ 85301
  • /28

    $280,000

    • 4 Beds
    • 1.5 Baths
    • 1,576 Sq Ft

    4332 W Ocotillo Rd Unit 206, Glendale, AZ 85301

    Discover comfortable living in this charming 4-bed, 1.5-bath townhome in the vibrant Community of West Plaza! You're welcomed by an inviting living room showcasing durable tile flooring, neutral palette, & abundant natural light pouring in, creating a relaxing atmosphere. The eat-in kitchen features track lighting, ample counter space for meal prep, built-in appliances, paneled cabinets, a

    Daniel Enriquez Six Zero Two Real Estate Group LLC

    4332 W Ocotillo Rd Unit 206, Glendale, AZ 85301
  • /42

    $579,000

    • 4 Beds
    • 3 Baths
    • 2,517 Sq Ft

    7246 W Monte Cristo Ave, Peoria, AZ 85382

    Live large in the heart of Peoria! Tucked just minutes from Arrowhead Town Center, Peoria Sports Complex, Loop 101, restaurants, and everyday conveniences, this generous two-story delivers the space, style, and setting buyers crave.Spacious Peoria home with 4 bedrooms plus a large bonus room—perfect for a 5th bedroom, office, or playroom Open floor plan with , breakfast bar, bay window dining

    Hiba Makttoof Property For You Realty

    7246 W Monte Cristo Ave, Peoria, AZ 85382
  • /23

    $384,900

    • 4 Beds
    • 2 Baths
    • 1,950 Sq Ft

    4353 W Mescal St, Glendale, AZ 85304

    This beautifully updated 4-bed, 2-bath Glendale gem offers style, space, and flexibility—with NO HOA! Fresh interior and exterior paint and upgraded flooring throughout (no carpet!) set the tone. The chef's kitchen features granite counters, a spacious island, stainless steel appliances, and freshly painted 42'' cabinets. Enjoy cozy evenings by the fireplace or the bonus room—perfect for a game

    Sarah June Crites Realty ONE Group

    4353 W Mescal St, Glendale, AZ 85304
  • /13

    $259,900

    • 2 Beds
    • 2.5 Baths
    • 1,222 Sq Ft

    7801 N 44th Dr Unit 1180, Glendale, AZ 85301

    Available for immediate SALE is this stunning corner-unit townhouse, located in the heart of Glendale! This well cared for property features 2 master bedrooms upstairs, each with vaulted ceilings, abundant natural light & their own private bathroom; offering great space and privacy. Great for individuals, couples, co living, etc. this is a very clean and private unit!The spacious main level

    Ulises Sandoval Coldwell Banker Realty

    7801 N 44th Dr Unit 1180, Glendale, AZ 85301
  • /27

    $450,000

    • 4 Beds
    • 2 Baths
    • 2,311 Sq Ft

    4419 W Vogel Ave, Glendale, AZ 85302

    Fantastic home with POOL in a great Glendale location! NO HOA! Providing 4 beds, 2 baths, separate office/den, and 2-car garage. Enter to find a large living room, formal dining room, and an inviting family room that opens to the kitchen. Natural light fills the spaces, complemented by a neutral palette and tasteful flooring - tile & wood in all the right places. The spotless kitchen boasts new

    Yvonne Rocha eXp Realty

    4419 W Vogel Ave, Glendale, AZ 85302
  • /29

    $424,990

    • 3 Beds
    • 2.5 Baths
    • 2,059 Sq Ft

    17622 W Missouri Ave, Litchfield Park, AZ 85340

    Brand New & Never Lived In! Be the first to own this stunning 2-story in Allen Ranches, priced below nearby new builds! Enjoy resort-style amenities with a pool, parks, and walking paths right outside your door. Inside features granite counters, stainless appliances, walk-in pantry, and an extended island kitchen perfect for entertaining. The spacious primary suite offers a walk-in closet and

    Shannon Cunningham Smith AZ Performance Realty

    17622 W Missouri Ave, Litchfield Park, AZ 85340
  • /30

    $424,999

    • 3 Beds
    • 2.5 Baths
    • 2,480 Sq Ft

    15410 N 60th Ave, Glendale, AZ 85306

    Cozy 2-story home featuring 3 bedrooms and 2.5 baths, perfectly located near all your favorite shopping and entertainment spots. Ideal blend of comfort and convenience—ready for you to move in!

    Vivian Lara eXp Realty

    15410 N 60th Ave, Glendale, AZ 85306
  • /31

    $269,700

    • 2 Beds
    • 1.5 Baths
    • 908 Sq Ft

    7432 N 43rd Ln, Glendale, AZ 85301

    Beautifully remodeled Townhome!! Seller is offering a credit for closing costs, or rate buy-down!! Everything is fresh! Remodeled Kitchen with stainless appliances including a refrigerator and New cabinetry. remodeled bathrooms. NEW carpet and vinyl plank flooring. Fresh paint! 2 bed, 1.5 bath, vaulted ceilings! **2 car garage!!** Amazing opportunity to own a truly affordable and move in ready

    John Andrews Keller Williams Arizona Realty

    7432 N 43rd Ln, Glendale, AZ 85301
  • /44

    $615,000

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

    17819 W Georgia Ave, Litchfield Park, AZ 85340

    Immaculately maintained like new! With over $40K in upgrades! Three beds plus FLEX ROOM/DEN that can easily be converted into a 4th bedroom. The living room offers an upgraded 3 PANEL SLIDER DOOR that leads you out into the upgraded EXTENDED WRAP AROUND PATIO. Beautiful TILE throughout the whole house! A Junior suite with private bathroom. All counter tops have GRANITE. Laundry room has BUILT-IN

    Josie Macias West USA Realty

    17819 W Georgia Ave, Litchfield Park, AZ 85340
  • /24

    $369,900

    • 3 Beds
    • 2 Baths
    • 1,627 Sq Ft

    5432 W Sunnyside Dr, Glendale, AZ 85304

    Comfort meets convenience in this charming single-level residence. Offering 3 beds, 2 baths, a 2-car garage w/extended driveway, and a low-care landscape w/artificial turf. The inviting interior showcases a designer palette, tile flooring in common areas, and vaulted ceilings that add to the airy feel. Discover a spacious living & dining room paired with a fireplace, as well as a separate family

    Shelley Sakala Real Broker

    5432 W Sunnyside Dr, Glendale, AZ 85304
  • /4

    $675,000

    6833 N 59th Dr Unit 1-4, Glendale, AZ 85301

    Investor Opportunity! This 4-unit multifamily property offers strong rental potential with room to increase rents. Each unit features 1 bed, 1 bath, and a private entrance. Property includes 10 uncovered parking spaces, low-maintenance landscaping, and a fully fenced lot. Ideal for a value-add investor or buy-and-hold strategy. Convenient location near shopping, transit, and major freeways.

    Slater Higgins Unique Real Estate

    6833 N 59th Dr Unit 1-4, Glendale, AZ 85301
  • /24

    $528,500

    • 3 Beds
    • 2 Baths
    • 1,763 Sq Ft

    5437 W Bluefield Ave, Glendale, AZ 85308

    The expansive great room flows seamlessly into a chef's dream kitchen featuring a massive 10-foot island with seating for eight, SS appliances, granite countertops, backsplash, a gas stove, and a fireplace. A huge walk-in pantry provides exceptional storage, and both the pot rack and big-screen TVs are included! Both bathrooms have been fully remodeled with high-end finishes—don't miss the

    Larry Cheuk Gold Coast Realty

    5437 W Bluefield Ave, Glendale, AZ 85308
  • /48

    $349,000

    • 2 Beds
    • 1 Bath
    • 1,048 Sq Ft

    7132 W Vermont Ave, Glendale, AZ 85303

    SELLER IS MOTIAVATED, WILL LOOK AT ALL OFFERS!!!! SUPER LOW PROPERTY TAX! WHAT SAVINGS WAITING FOR YOU!!! Don't miss this incredible opportunity to own a beautifully updated 2 bed, 1 bath home. Step inside to a bright, open layout with all tile flooring for easy maintenance and a clean modern look. The kitchen boast sleek granite countertops, perfect for cooking and entertaining. Outside enjoy a

    Rhonda Dubois Delex Realty

    7132 W Vermont Ave, Glendale, AZ 85303
  • /23

    $345,000

    • 2 Beds
    • 2 Baths
    • 1,217 Sq Ft

    7401 W Arrowhead Clubhouse Dr Unit 2067, Glendale, AZ 85308

    ARROWHEAD GEM! Welcome to your new home in a beautifully maintained gated community, ideally located next to Arrowhead Country Club Golf course and just minutes from the best of Arrowhead shopping, dining and entertainment. This charming 2 bedroom, 2 bathroom condo offers the perfect blend of comfort and convenience. Enjoy an open floor plan with spacious living areas and private balcony ideal

    Traci Mayfield HomeSmart

    7401 W Arrowhead Clubhouse Dr Unit 2067, Glendale, AZ 85308
  • /25

    $499,000

    • 4 Beds
    • 3 Baths
    • 2,105 Sq Ft

    5323 W North Ln, Glendale, AZ 85302

    Your Dream Home Awaits! Welcome to this stunning single-family home it has 4 bedrooms and 3 bath over 2,100 sqft and a big back yard of 10,106 sqft lot size and a private pool to enjoy this type of atmosphere and a single level story in a prime location! and NO HOA Just a few miles from beautiful parks, shopping centers and State Farm Stadium (home of the Arizona Cardinals), and with easy access

    Precy Divine HomeSmart

    5323 W North Ln, Glendale, AZ 85302
  • /26

    $93,900

    • 3 Beds
    • 2 Baths
    • 1,248 Sq Ft

    5601 W Missouri Ave Unit 63, Glen Dale, AZ 85301

    Beautiful 3 Bed / 2 Bath - Priced to Sell!Well-maintained double wide in the all-age Belaire Manor community. Features a spacious split floor plan, open living area, interior laundry with washer & dryer, and private driveway with ample parking. Community amenities include swimming pool, playground, and green space.

    Evelyn Dunton Realty of America LLC

    5601 W Missouri Ave Unit 63, Glen Dale, AZ 85301
  • /22

    $368,000

    • 2 Beds
    • 2 Baths
    • 1,091 Sq Ft

    4918 W Wahalla Ln Unit 1, Glendale, AZ 85308

    1% Flex credit being offered by Preferred Lender! Amazing North Valley home in the charming Arrowhead Sunrise community! This small, private neighborhood is well-kept with a warm, neighborly feel and low-maintenance lifestyle. Move-in ready 2-bed, 2-bath with split floor plan, vaulted ceilings, tile in main areas, and NEW AC. Bright great room with arches flows into an updated eat-in kitchen with

    Nicole Rimsza HomeSmart

    4918 W Wahalla Ln Unit 1, Glendale, AZ 85308

Showing Results 561 - 600, Page 15 of 18

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