2,197

Hamilton County TN Homes for Sale with Garage

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  • /62

    $1,289,000

    • 5 Beds
    • 4.5 Baths
    • 3,675 Sq Ft

    8293 Mountain Laurel Trail, Signal Mountain, TN 37377

    Showings begin on Saturday, March 14th. Open House Sunday, March 15th from 2:00 - 4:00PM. Situated on a private one-acre lot atop Signal Mountain, this beautifully designed home offers space, privacy, and modern comfort within the gated community of Flipper Bend. Enjoy peaceful views from the front of the home and added privacy with a community lot located behind the property. The main level

    Rachel Bettis 35 South Real Estate & Design, LLC

    8293 Mountain Laurel Trail, Signal Mountain, TN 37377
  • /63

    $511,000

    • 3 Beds
    • 2.5 Baths
    • 2,432 Sq Ft

    8746 Streamside Dr, Ooltewah, TN 37363

    Renewed, Refreshed and Ready for Spring! This three bedroom, two and a half bathroom charmer brings all the fun! With the sparkling pool and cozy spa, let the outdoor entertaining begin! Step into the grand two-story entryway and experience a cheerful atmosphere with freshly painted walls and brand new light fixtures. The formal dining room, boasting a beautiful chandelier, is perfectly outfitted

    Beth Reed The Agency Chattanooga

    8746 Streamside Dr, Ooltewah, TN 37363
  • /35

    $479,900 Open Sun 2PM - 4PM

    • 4 Beds
    • 3 Baths
    • 2,621 Sq Ft

    3764 Inlet Loop, Chattanooga, TN 37416

    Priced competitively to attract new owners. Experience comfortable living with river views. Tucked away at the end of a quiet cul-de-sac, this 3-year-old home is designed for easy living and connection. With an open floor plan filled with natural light, wide quartz countertops, and a rare, expansive flat backyard framed by native, low-maintenance landscaping and peaceful winter river views-- this

    Marie King Keller Williams Realty

    3764 Inlet Loop, Chattanooga, TN 37416
  • /67

    $799,900

    • 5 Beds
    • 3.5 Baths
    • 3,200 Sq Ft

    1301 Cobbler Ct, Chattanooga, TN 37421

    Discover the epitome of refined living at Heritage Walk, where luxury and convenience converge in this stunning home at 1301 Cobbler Court. Situated on the largest premium lot in Heritage Walk Phase II , this home is located directly across from the community pool and a centralized mailbox.Step inside to a home designed for comfort and elegance. You'll find hardwood floors and tile

    Kevin Jennings REAL Broker

    1301 Cobbler Ct, Chattanooga, TN 37421
  • /24

    $445,000

    • 2 Beds
    • 2.5 Baths
    • 1,810 Sq Ft

    804 Wellstone Dr, Chattanooga, TN 37405

    Welcome to maintenance-free one level living conveniently located near downtown Chattanooga! This spacious corner lot property within a friendly community offers outstanding amenities which include a clubhouse with an outdoor fireplace and pool, community gardens, fenced-In dog park, and a private greenway trail system. 804 Wellstone Drive offers an entry foyer with access to both bedrooms. The

    Nathan Michaels EXP Realty LLC

    804 Wellstone Dr, Chattanooga, TN 37405
  • /37

    $850,000

    • 4 Beds
    • 4 Baths
    • 3,000 Sq Ft

    388 Harper St, Chattanooga, TN 37405

    Perfectly positioned in Chattanooga's coveted North Shore, 388 Harper Street presents a rare opportunity to enjoy contemporary living in one of the city's most desirable neighborhoods. Just moments from Cherokee Boulevard, boutique shopping, dining, parks, and the Tennessee Riverwalk, the location captures the best of downtown Chattanooga living. Natural light fills the home, highlighting clean

    Guy Fain EXP Realty LLC

    388 Harper St, Chattanooga, TN 37405
  • /58

    $655,000

    • 4 Beds
    • 3 Baths
    • 3,200 Sq Ft

    7443 Crowes Nest Dr, Harrison, TN 37341

    Welcome to Providence Landing, one of Hamilton County's most sought-after communities. Built by one of Chattanooga's premier local builders, Greentech Homes, this stunning modern farmhouse offers the perfect blend of warmth, light, and luxury. Floor-to-ceiling picture windows flood the home with natural light, highlighting the open design and high-end finishes.The living room features exposed

    Theidra Dillard REAL Broker

    7443 Crowes Nest Dr, Harrison, TN 37341
  • /30

    $374,900

    • 3 Beds
    • 2 Baths
    • 1,848 Sq Ft

    11451 Back Valley Rd, Soddy Daisy, TN 37379

    Welcome Home to This meticulously updated move-in Ready gem! This 3-bedroom 2 full baths, open floor-plan home is located on a 1-acre lot! Step inside and be greeted by the stunning cathedral ceiling and woodwork in the great room, complete with a stone fireplace as the focal point. Just off the living space is a brand-New chefs dream kitchen featuring Stainless steel appliances, granite

    Gina Brewer RE/MAX Renaissance Realtors

    11451 Back Valley Rd, Soddy Daisy, TN 37379
  • /37

    $280,000

    • 4 Beds
    • 2 Baths
    • 1,847 Sq Ft

    800 S Germantown Rd, Chattanooga, TN 37412

    Welcome to 800 S. Germantown Rd, a spacious home in East Ridge with a large, flat yard and TONs of garage/ storage space. This one-level home has four bedrooms, two living areas, a fireplace, and ceiling fans in every room. The majority of the windows have been replaced with wood frame casement windows complete with screens and upgraded blinds. Under the new carpet you'll find the original

    Kevin Gomila Zach Taylor - Chattanooga

    800 S Germantown Rd, Chattanooga, TN 37412
  • /23

    $234,900

    • 2 Beds
    • 1 Bath
    • 840 Sq Ft

    4 Edwards Terrace, Chattanooga, TN 37412

    Owner/Agent. This cute and cozy 2 bedroom 1 bath home is located in the growing area of East Ridge and is conveniently located just 10 minutes from downtown Chattanooga and Hamilton Place. This property features a one-car garage and an additional carport. The interior boasts beautiful hardwood floors in the living room, hallway, and bedrooms, with ceramic tile in the kitchen and bathroom. The

    Anthony Fears United Real Estate Experts

    4 Edwards Terrace, Chattanooga, TN 37412
  • /35

    $294,900

    • 2 Beds
    • 2 Baths
    • 1,313 Sq Ft

    412 Renaissance Ct Unit 412, Chattanooga, TN 37419

    Fantastic floor plan on Renaissance Court in the desirable Black Creek golf course community close to downtown Chattanooga! This 2 bedroom, 2 bath unit offers space, quality finishes, a deep single bay garage, an open floor plan, an outdoor living space and great community amenities, including a pool, dog park, sidewalks, ponds and the opportunity to join the Black Creek Golf Club. Thiis unit has

    Jay Robinson Keller Williams Realty

    412 Renaissance Ct Unit 412, Chattanooga, TN 37419
  • /87

    $897,000

    • 4 Beds
    • 2.5 Baths
    • 2,744 Sq Ft

    2429 Boston Branch Cir, Signal Mountain, TN 37377

    Welcome home to your mountain sanctuary in the gated Boston Branch community atop Signal Mountain--a rare gem where unparalleled natural beauty, privacy, and authentic mountain living converge, just 15-20 minutes from the heart of Chattanooga, one of America's fastest-growing and most dynamic cities.Step onto one of the multiple private porches and take in sweeping view of the community's

    Theresa Craig Keller Williams Realty

    2429 Boston Branch Cir, Signal Mountain, TN 37377
  • /69

    $579,000

    • 4 Beds
    • 2.5 Baths
    • 2,562 Sq Ft

    7904 Frostwood Ln, Ooltewah, TN 37363

    Welcome to 7904 Frostwood Lane, located in the desirable Providence Point subdivision. This well-maintained custom-built Craftsman-style home was built by Brent Mercer Homes. Situated on a .5 acre cul-de-sac lot, this Ooltewah home includes 4 bedrooms, 2.5 bathrooms, 3-car garage, open concept floor plan, screened porch overlooking a private fenced backyard. The heart of this home is its

    Justin Tate Real Estate Partners Chattanooga LLC

    7904 Frostwood Ln, Ooltewah, TN 37363
  • /39

    $565,000

    • 4 Beds
    • 2.5 Baths
    • 2,202 Sq Ft

    1011 Browns Ferry Rd, Chattanooga, TN 37419

    Motivated Sellers, ready to negotiate! Welcome home to this beautiful 4-bedroom, 3-bath residence built in 2021 perfectly situated in the desirable Lookout Valley area! Designed for modern living, this home blends comfort and style with its open-concept layout, high ceilings, and abundant natural light. The kitchen is a true centerpiece with stainless steel appliances, granite countertops, custom

    Drew Carey EXP Realty, LLC

    1011 Browns Ferry Rd, Chattanooga, TN 37419
  • /93

    $699,900

    • 4 Beds
    • 3 Baths
    • 3,116 Sq Ft

    1100 S Greenwood Ave, Chattanooga, TN 37404

    *DOWNTOWN CHATTANOOGA - HIGHLAND PARK!* Check out this beautiful 4 bedroom 3 bath home in downtown Chattanooga, TN. This home offers a wealth of charm and historic features which is located in the highly desirable neighborhood of Highland Park. Upon entry, you're introduced with a beautiful grand staircase, 10-foot+ ceilings, freshly painted interior, and exquisite hardwood floors throughout. The

    Jon Headrick Fairpoint Realty, LLC

    1100 S Greenwood Ave, Chattanooga, TN 37404
  • /57

    $525,000

    • 4 Beds
    • 2.5 Baths
    • 2,611 Sq Ft

    8843 Finney Point Dr, Ooltewah, TN 37363

    This wonderful house in the woods sitting on almost 2 acres, gives privacy and plenty of square footage for the growing family. With 4 bedrooms and 2.5 completely updated bathrooms, this property sits right in the heart of Hamilton County's fastest growing zip codes. Enjoy the wonderful long private driveway among mature and flowering trees. This home has a large open kitchen that is the

    Ryan King Keller Williams Realty

    8843 Finney Point Dr, Ooltewah, TN 37363
  • /65

    $785,000

    • 3 Beds
    • 2.5 Baths
    • 3,021 Sq Ft

    9425 Standifer Gap Rd, Ooltewah, TN 37363

    Tucked away in one of the most peaceful pockets of Ooltewah, just minutes from Apison, this stunning custom home offers the rare combination of privacy, character, and convenience. Situated on over two acres with beautiful mountain views, the property feels like a private retreat while still being less than 15 minutes from the shopping, dining, and conveniences of Hamilton Place and under 30

    Nathan Torgerson Keller Williams Realty

    9425 Standifer Gap Rd, Ooltewah, TN 37363
  • /32

    $375,000

    • 3 Beds
    • 2.5 Baths
    • 2,138 Sq Ft

    7592 Grasshopper Rd, Georgetown, TN 37336

    Discover this beautiful home in Grasshopper Estates, Georgetown, TN! Offering 2,138 sq. ft. of modern living space, this 3-bedroom, 2.5 bathroom home is designed for both style and comfort. All three spacious bedrooms are conveniently located upstairs, creating a perfect separation between living and sleeping areas. The main level features an open floor plan, with a bright and airy kitchen

    Kelly Jooma Zach Taylor - Chattanooga

    7592 Grasshopper Rd, Georgetown, TN 37336
  • /65

    $619,000

    • 4 Beds
    • 2.5 Baths
    • 2,872 Sq Ft

    7395 Artisan Cir, Ooltewah, TN 37363

    Welcome to this beautiful home located in the highly desirable gated golf course community of Hampton Creek in Ooltewah. Perfectly situated on a level corner lot and just moments from the golf course, this charming 4-bedroom, 21⁄2-bath home offers the perfect blend of comfort, space, and inviting Southern style. A welcoming wrap-around covered porch creates incredible curb appeal and provides the

    Ryan May Real Estate Partners Chattanooga LLC

    7395 Artisan Cir, Ooltewah, TN 37363
  • /32

    $419,900

    • 3 Beds
    • 2 Baths
    • 1,969 Sq Ft

    8934 Sunridge Dr, Ooltewah, TN 37363

    Welcome to 8934 Sunridge Drive, located in the desirable Sunset Estates subdivision. This Updated 3-bedroom home offers single-level living with an open concept floor plan, 2-car garage, and private backyard, along with mountain views from the back deck. Situated on a 1⁄4 acre lot on a quiet street, this Ooltewah home is perfect for a growing family, or someone looking to downsize. The layout

    Justin Tate Real Estate Partners Chattanooga LLC

    8934 Sunridge Dr, Ooltewah, TN 37363
  • /65

    $572,900

    • 4 Beds
    • 2.5 Baths
    • 2,700 Sq Ft

    6787 Buckhannon Ln, Hixson, TN 37343

    Welcome to 6787 Buckhannon Lane in Hixson, offering approximately 2,700 sq ft of beautifully designed living space with a versatile and inviting floor plan. The main level features 3 bedrooms, a private office, and 2.5 bathrooms, along with a spacious vaulted great room, formal dining room, kitchen with breakfast area, and a convenient laundry room. The primary suite includes a trey ceiling and a

    Laila Punjani United Real Estate Experts

    6787 Buckhannon Ln, Hixson, TN 37343
  • /55

    $360,000

    • 3 Beds
    • 2.5 Baths
    • 1,595 Sq Ft

    1402 John Ross Rd, Chattanooga, TN 37412

    Beautifully remodeled home in the heart of East Ridge offering a bright, open layout and thoughtfully designed living spaces throughout. The main level features two bedrooms along with an inviting open-concept living room, dining area, and kitchen filled with natural light from large windows. A versatile flex space provides the perfect spot for a home office, reading nook, or creative area. This

    Natalia Bauman LPT Realty

    1402 John Ross Rd, Chattanooga, TN 37412
  • /33

    $446,000

    • 4 Beds
    • 2.5 Baths
    • 2,564 Sq Ft

    7132 Teaberry Ct, Ooltewah, TN 37363

    Welcome to 7132 Teaberry Ct, a property that exudes charm and sophistication. The living room is graced with a cozy fireplace, perfect for those chilly evenings. The kitchen is a chef's dream, boasting a functional kitchen island and all stainless steel appliances for a sleek, modern look. The primary bathroom is a sanctuary, featuring double sinks for convenience and jacuzzi tub for ultimate

    Karen Albright Opendoor Brokerage LLC

    7132 Teaberry Ct, Ooltewah, TN 37363
  • /3

    $287,000

    • 1,900 Sq Ft

    4609 Plaza Hills Ln, Hixson, TN 37343

    Great Brick Duplex located in very convenient Hixson and Red Bank area. Each unit has 2 bedrooms 1 bath with basement garage parking - washer and dryer hook up. Side B has new floor, new paint. Good investor or owner occupant.

    Ching-Ching Chow Crye-Leike, REALTORS

    4609 Plaza Hills Ln, Hixson, TN 37343
  • /74

    $459,900

    • 4 Beds
    • 2.5 Baths
    • 2,900 Sq Ft

    1904 Morris Hill Rd, Chattanooga, TN 37421

    Tucked deep on a private, wooded lot and set well back from the street, this inviting two-story home with a finished basement offers privacy, space and peace. The main level is designed for both everyday living and entertaining, featuring a formal living room, a large dining room, a family room with a fireplace and a screened in porch just off the kitchen. The finished basement is ideal for a

    Kelly Casey United Real Estate Experts

    1904 Morris Hill Rd, Chattanooga, TN 37421
  • /36

    $449,000

    • 5 Beds
    • 3.5 Baths
    • 2,874 Sq Ft

    5312 Kellys Point, Ooltewah, TN 37363

    Wow, One level rancher over finished walk out basement. Very well maintained 5 beds and 3 baths. Inviting foyer with hardwood floors, separate dining, great room with fireplace and gas logs. Eat in sunny kitchen with granite counters and stainless appliances. Master bedroom with tray ceilings, master bath features, double vanities, soaking tub, updated walk in shower and walk in closet. Second

    Doris Townsend Crye-Leike REALTORS

    5312 Kellys Point, Ooltewah, TN 37363
  • /111

    $450,000

    • 3 Beds
    • 2 Baths
    • 2,500 Sq Ft

    9973 Miller Rd, Soddy Daisy, TN 37379

    First time ever on the market! This custom built home has many great features. Combination of privacy, space and convenience. Inside has a spacious eat in kitchen, great room with fireplace, primary on main floor with walk-in closets, 2 extra bedrooms and bath, laundry room , beautiful sunroom great for relaxing, drinking your morning coffee or afternoon tea. Upstairs has huge bonus room that

    Leann Stitt Crye-Leike, REALTORS

    9973 Miller Rd, Soddy Daisy, TN 37379
  • /31

    $345,000

    • 3 Beds
    • 2 Baths
    • 1,552 Sq Ft

    8231 Troubadour Way, Ooltewah, TN 37363

    Situated on a 0.4-acre lot along a quiet street not far from the cul-de-sac, this home offers a comfortable setting with mature trees, established landscaping, and very little through traffic. Step through the front door and you're welcomed into the living room with vaulted ceilings, a wood beam stretching across the space, and a stone wood-burning fireplace that anchors the room. Recent updates

    Steve Dorsa Epique Realty

    8231 Troubadour Way, Ooltewah, TN 37363
  • /22

    $415,000

    • 4 Beds
    • 3 Baths
    • 2,168 Sq Ft

    6619 Schooner Bay Ln, Hixson, TN 37343

    Lovely home in Hidden Harbor on a cul-de-sac LEVEL LOT! Large lot that is fenced and backs up to TVA property which leads to the lake! Bedroom with full bath on main ,3 bedrooms and 2 full bath up. Neighborhood offers pool, tennis courts and private boat dock, playgrounds,walking track, and covered picnic pavillion. The main level layout features formal living room, separate dining room, eat in

    Frances Vantrease RE/MAX Properties

    6619 Schooner Bay Ln, Hixson, TN 37343
  • /49

    $749,000

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

    200 Reavley Rd, Sale Creek, TN 37373

    Established 27.38-acre equestrian ranch with boarding income, arena, trails, and mountain views. Property includes a 100x80 covered outdoor arena with 24' Epic fan, two barns with 16 stalls (expandable to 18), locker barn with half bath, wash bay, round pen, 9 pastures, dry lots, hay huts, and a spring-fed pond. Riding trails throughout. Updated 1,950 SF Manufactured home offers 3 bedrooms, 2

    Lore Conway Real Estate Partners Chattanooga LLC

    200 Reavley Rd, Sale Creek, TN 37373
  • /27

    $330,000

    • 3 Beds
    • 3 Baths
    • 1,800 Sq Ft

    1017 N Sanctuary Rd, Chattanooga, TN 37421

    Welcome to 1017 N Sanctuary Rd, a turnkey home offering privacy, space, and versatility on nearly an acre in a peaceful setting. Surrounded by mature trees and set back from neighboring homes, this property provides a quiet retreat while still being just minutes from shopping, restaurants, and everyday conveniences. Inside, the upstairs kitchen opens seamlessly to the dining area, creating a

    Kevin Gomila Zach Taylor - Chattanooga

    1017 N Sanctuary Rd, Chattanooga, TN 37421
  • /31

    $595,000

    • 4 Beds
    • 3.5 Baths
    • 3,001 Sq Ft

    101 Masters Rd, Hixson, TN 37343

    Attention Golfer, this stunning move-in ready home is located in the Valleybrook Golf Course and Country Clubcommunity. From the moment you step inside, you'll appreciate the sophisticated interior upgrades: granite countertops, sleek white cabinetry, modern tile backsplash, bright and open floor plan highlighted by gorgeous hardwood flooring that flows throughout the main living areas. The

    Thanh Nguyen Blue Key Properties LLC

    101 Masters Rd, Hixson, TN 37343
  • /65

    $669,000

    • 4 Beds
    • 3.5 Baths
    • 3,700 Sq Ft

    2708 Indian Creek Ln, Ooltewah, TN 37363

    Meticulously updated and move-in ready, this custom-built 4-bedroom, 3.5-bath masterpiece offers luxury at every turn. Designed for both connection and privacy, the heart of the home is a chef's kitchen featuring an oversized gas range that flows seamlessly into a massive family room. Retreat to the main-level primary suite, where you can enjoy morning coffee on the attached screened

    Derek Greene The Real Estate Firm, Inc

    2708 Indian Creek Ln, Ooltewah, TN 37363
  • /46

    $245,000

    • 3 Beds
    • 2 Baths
    • 1,700 Sq Ft

    1928 Albermarle Dr, Hixson, TN 37343

    Back on Market at no Fault to seller, inspection report available upon request. Located at 1928 Albermarle Drive in Hixson, this 3-bedroom, 2-bathroom home is situated directly across from the serene river, offering stunning water views. Nestled in a prime location, the property has great bones and is ready for someone to bring their personal touch to restore its full charm. Whether you're

    Gregory Depasquale Keller Williams Realty

    1928 Albermarle Dr, Hixson, TN 37343
  • /27

    $319,900

    • 3 Beds
    • 2 Baths
    • 1,460 Sq Ft

    3324 Harrison Pike, Chattanooga, TN 37416

    Welcome to this charming home nestled in the heart of Chattanooga. This property boasts spacious living areas filled with natural light, a well-appointed kitchen with modern appliances, and a cozy dining area appropriate for gatherings. Enjoy the serene backyard with ample space for outdoor activities. Conveniently located near local amenities, this home boats with both comfort and accessibility.

    Steven Koleno Beycome Brokerage Realty LLC

    3324 Harrison Pike, Chattanooga, TN 37416
  • /40

    $649,900

    • 4 Beds
    • 3.5 Baths
    • 2,850 Sq Ft

    10624 Brownspring Dr, Apison, TN 37302

    Like-new home in the sought-after Hawks Landing community! This stunning 4-bedroom, 3.5-bath residence offers the perfect blend of comfort, quality, and thoughtful design. The main level features a spacious primary suite with a large custom closet that conveniently connects to an oversized laundry/mud room. The open-concept living area includes a gorgeous kitchen with granite countertops, a large

    Heather Clark Coldwell Banker Pryor Realty

    10624 Brownspring Dr, Apison, TN 37302
  • /64

    $650,000

    • 5 Beds
    • 3.5 Baths
    • 2,724 Sq Ft

    11544 Armstrong Rd, Soddy-Daisy, TN 37379

    Welcome to this beautifully designed 5 bedroom, 3.5 bath home featuring a desirable split bedroom layout and a private yard that backs up to peaceful woods. The heart of the home is the eat-in kitchen, complete with stainless steel appliances, a gas stove, a tile backsplash, and a spacious walk-in pantry with a wine fridge. The kitchen opens seamlessly to the living room, which features a cozy

    Paula McDaniel Real Estate Partners Chattanooga LLC

    11544 Armstrong Rd, Soddy-Daisy, TN 37379
  • /48

    $849,000

    • 2 Beds
    • 3.5 Baths
    • 3,107 Sq Ft

    548 Whitehall Rd Unit 548, Chattanooga, TN 37405

    Experience amazing views of downtown Chattanooga, the surrounding mountains, and the Tennessee River in this spacious 3107 sf, 2-bedroom, 3.5 bath townhome in the desirable River Point development on Stringer's Ridge, located just minutes from shopping, restaurants, & parks in the North Shore & downtown Chattanooga. This beautiful townhome boasts hardwood floors in the main living areas &

    Jenna Flynn Flynn Realty

    548 Whitehall Rd Unit 548, Chattanooga, TN 37405
  • /41

    $679,000

    • 4 Beds
    • 3.5 Baths
    • 3,483 Sq Ft

    10885 Prairie Lake Dr, Apison, TN 37302

    Welcome to this spacious 4-bedroom, 3.5-bath home offering comfort, functionality, and plenty of room to live and entertain. The main level features an open-concept kitchen and living area perfect for gatherings. The kitchen includes granite countertops, stainless steel appliances, a double oven, and abundant cabinet space, making it ideal for everyday cooking or hosting guests. The first floor

    Kimberly Day Property 41 Realty, LLC

    10885 Prairie Lake Dr, Apison, TN 37302
  • /38

    $499,000

    • 3 Beds
    • 2 Baths
    • 1,882 Sq Ft

    104 Pinehurst Ln, Signal Mountain, TN 37377

    Welcome to 104 Pinehurst Lane in the heart of Signal Mountain -- where modern updates meet timeless charm in an unbeatable golf course setting. This beautifully renovated 3-bedroom, 2-bath ranch offers approximately 1,882 square feet of thoughtfully designed living space on a spacious .48-acre lot. Situated directly across from the beginning of the Back Nine of the Signal Mountain Golf & Country

    Emily Berryman Zach Taylor - Chattanooga

    104 Pinehurst Ln, Signal Mountain, TN 37377

Showing Results 441 - 480, Page 12 of 18

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