1,208

Newest Homes for Sale in Horseshoe Bay, TX

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  • /30

    $12,995,000

    • 9 Beds
    • 10.5 Baths
    • 9,374 Sq Ft

    Unlisted Address

    Set along a coveted stretch of Lake LBJ with long open-water views and rare privacy, this modern lakefront compound is composed with intention and enduring quality. Architecture blends clean contemporary lines, natural stone, and expansive glass, creating a refined, livable connection to the water. The main residence centers around a grand lake-view great room opening to generous covered

    Binkan Cinaroglu Kuper Sotheby's Int'l Realty

    Unlisted Address
  • /13

    $299,000

    • Land
    • 0.49 Acre
    • $610,204 per Acre

    Lot 285 La Serena Loop, Horseshoe Bay, TX 78657

    This exceptional large, flat corner lot sits in the prestigious, gated community of Escondido Golf and Lake Club. Enjoy all the amenities on this award-winning, Tom Fazio-designed 18-hole golf course, featuring a performance center and top-tier practice facilities. At the heart of this community, the 30,000 sq. ft. Great House offers casual and fine dining, a bar, a private wine cellar, and a

    Patrice Emrie Horizon Realty

    Lot 285 La Serena Loop, Horseshoe Bay, TX 78657
  • /23

    $25,000

    • Land
    • 0.16 Acre
    • $156,250 per Acre

    LT 44083-D Highlands Blvd, Horseshoe Bay, TX 78657

    This wooded lot offering views of Lake LBJ is just waiting for your new home build! Located in a quiet neighborhood in Horseshoe Bay, offering underground utilities and close to the resort amenities (membership required), this lot is in an ideal location. Come check it out! The adjacent lot at the corner of Crestview and Highlands Blvd is available as well, sold separately or together.

    Lisa Love Horseshoe Bay ONE Realty

    LT 44083-D Highlands Blvd, Horseshoe Bay, TX 78657
  • /7

    $21,000

    • Land
    • 0.24 Acre
    • $87,500 per Acre

    Lot 22173 Wind Swept, Horseshoe Bay, TX 78657

    Seller Financing! Wind Swept is a beautiful street near Slick Rock Creek and this lot is perfect for a custom designed home. Water and electric are nearby and the area is up and coming with new homes being built nearby. Ownership gives access to Quail Point Lodge and Lake LBJ through the property owners association and it is close to all of the amenities of Horseshoe Bay Resort (with membership).

    Cheryl Reynolds Linck Yellow Rose Realty

    Lot 22173 Wind Swept, Horseshoe Bay, TX 78657
  • /24

    $25,000

    • Land
    • 0.16 Acre
    • $156,250 per Acre

    LT 44083-E Highlands Blvd, Horseshoe Bay, TX 78657

    This wooded lot offering views of Lake LBJ is just waiting for your new home build! Located in a quiet neighborhood in Horseshoe Bay, offering underground utilities and close to the resort amenities (membership required), this lot is in an ideal location. Come check it out! The adjacent lot to the right is also available, sold separately or together.

    Lisa Love Horseshoe Bay ONE Realty

    LT 44083-E Highlands Blvd, Horseshoe Bay, TX 78657
  • /17

    $459,900 New Construction

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

    112 Broken Bow, Bertram, TX 78605

    New home now complete and ready for occupancy. Home is located on a large corner lot in Marble Falls School District. Home features split bedroom plan with large open concept living area and great kitchen with island and huge walk in pantry. Tile floors throughout, Quartz counters in kitchen and baths. Oversized 3 car garage and more. Beautiful setting.

    Agent Photo

    Doyle Hoff

    Walker & Assoc. Real Estate

    (737) 345-9839

    112 Broken Bow, Bertram, TX 78605
  • /38

    $975,000 New Construction

    • 3 Beds
    • 2.5 Baths
    • 2,198 Sq Ft

    101 Manciano Dr, Horseshoe Bay, TX 78657

    LOCK & LEAVE CUSTOM HOME in the Villas of Tuscan Village at Summit Rock. Built by Crescent Estates Custom Homes, this 1-story beauty offers 2198 sqft w/ 3 bdrms 2.5 baths (or 2 bdrms + study). Features incl wood floors, Kent Moore maple cabs, premium quartz, designer tile & lighting, and mixed-metal hardware. Oversized iron & glass door opens to a stylish transitional design. 2.5-car garage

    Agent Photo

    Lesli Akers

    Keller Williams - Lake Travis

    (830) 293-5192

    101 Manciano Dr, Horseshoe Bay, TX 78657
  • /30

    $425,000

    • Land
    • 0.93 Acre
    • $456,989 per Acre

    Lot 135 Overlook Pkwy, Horseshoe Bay, TX 78657

    Beautiful acre lot, surrounded by green belt, offering panoramic views of the Texas hill country. Be inspired to build the home of your dreams on an acre of land in the Trails of Horseshoe Bay. If you are looking for space, privacy, and incredible views this property checks all the boxes. The Trails community uniquely has over 500ft of waterfront common area for its property owner's to enjoy. The

    Robyn Walsh Robyn Walsh, Broker

    Lot 135 Overlook Pkwy, Horseshoe Bay, TX 78657
  • /29

    $1,035,000

    • 3 Beds
    • 2.5 Baths
    • 2,961 Sq Ft

    2913 Blue Lake Dr, Horseshoe Bay, TX 78657

    Like New, this incredible home located in the Lake LBJ community of Blue Lake. This 1 1/2 story home spans 2,961 sqft. which includes 3 bedrooms 2 1/2 bath with study or 4 bedrooms 2 1/2 bath. When entering, you are greeted with views of the living area featuring; a beamed cathedral ceiling, a electric fireplace, large glass windows that look out to the covered patio and swimming pool. There is

    Todd Brandt All City Real Estate Ltd. Co

    2913 Blue Lake Dr, Horseshoe Bay, TX 78657
  • /6

    $15,000

    • Land
    • 0.29 Acre
    • $51,724 per Acre

    Lot K10218 Bowie Knife, Horseshoe Bay, TX 78657

    Secluded lot on a quiet street just minutes from the Horseshoe Bay Resort. Building site is level and cleared and electricity pole is at the corner of the property. Approximately only 15 minutes to Marble Falls and approximately one hour drive to Austin.

    Ryan Wolters All City Real Estate Ltd. Co

    Lot K10218 Bowie Knife, Horseshoe Bay, TX 78657
  • /40

    $1,849,000 New Construction

    • 4 Beds
    • 4.5 Baths
    • 3,637 Sq Ft

    109 Island Dr, Horseshoe Bay, TX 78657

    BEAUTIFUL. CUSTOM NEW CONSTRUCTION. EXCLUSIVE LOCATION. Included in the Villas of Applehead, this just completed modern transitional custom home by Crescent Estates Custom Homes exemplifies not only flexibility but luxury living at its finest. Built within the 24-hour guarded gated community of Applehead Island, you have access to the pickleball courts, tennis court, world class pool complete

    Agent Photo

    Lesli Akers

    Keller Williams - Lake Travis

    (830) 494-4437

    109 Island Dr, Horseshoe Bay, TX 78657
  • /10

    $48,000

    • Land
    • 0.22 Acre
    • $218,182 per Acre

    104 Travertine, Horseshoe Bay, TX 78657

    Get this wonderful lot located on a quiet cul-de-sac in popular Horseshoe Bay West for your full-time residence or vacation hideaway in the beautiful hill country. Conveniently located close to FM 2147 and Hwy 71 and just minutes from the Baylor Scott & White Medical Center, this gently sloping lot with some nice trees and backing to a greenbelt, makes a perfect setting for a more private build

    Sheryl McCray Carlene Bond, Broker

    104 Travertine, Horseshoe Bay, TX 78657
  • /30

    $615,000

    • 3 Beds
    • 2.5 Baths
    • 2,390 Sq Ft

    109 Lost Spur, Horseshoe Bay, TX 78657

    AGRESSIVE PRICE IMPROVEMENT! Nestled beneath a canopy of mature trees and overlooking the picturesque #17 Green of the Slick Rock golf coursE. Its north-facing orientation provides year-round enjoyment of the tranquil outdoor spaces—an entertainer’s dream featuring a spacious patio, soothing waterfall cascading into a lovely fish pond, and a cozy arbor swing. An expansive outdoor kitchen anchors

    Agent Photo

    Brigitte Nolen

    Horseshoe Bay ONE Realty

    (830) 321-7698

    109 Lost Spur, Horseshoe Bay, TX 78657
  • /29

    $369,000

    • 3 Beds
    • 2 Baths
    • 2,285 Sq Ft

    2510 Oak Trail, Horseshoe Bay, TX 78657

    Welcome to this delightful 3-bedroom, 2-bath ranch-style home perfectly positioned on a spacious corner lot in Deerhaven. Filled with character and warmth, this property offers comfortable single-level living with an easy flow between the living, dining, and kitchen areas. The bright interior features cozy living spaces, generous bedrooms, and natural light. Outside, enjoy the convenience of a

    Edward Burget Horseshoe Bay ONE Realty

    2510 Oak Trail, Horseshoe Bay, TX 78657
  • /21

    $1,100,000 New Construction

    • 5 Beds
    • 3.5 Baths
    • 3,800 Sq Ft

    114 Highlands Blvd, Horseshoe Bay, TX 78657

    UNDER CONSTRUCTION. EXPECTED COMPLETION FALL 2026. 3800+sf custom home. 5 Bedroom + Office. 3.5 Bathroom. Two Living areas. Gourmet Kitchen. Optional Swimming Pool. Panoramic views of Lake LBJ from this spectacular lot in Horseshoe Bay, Texas. Survey and House plans are available. Close to FM 2147, Lake LBJ Yacht Club & Marina, Quail Point Lodge with lake access and picnic area, Horseshoe Creek

    Michael Weigand Cornerstone Partners Realty

    114 Highlands Blvd, Horseshoe Bay, TX 78657
  • /36

    $999,999 New Construction

    • 5 Beds
    • 4 Baths
    • 3,746 Sq Ft

    116 Mitchell Creek Dr, Horseshoe Bay, TX 78657

    Designed for sophisticated entertaining and comfortable daily living, this newly built 3,746 sq. ft. residence in the exclusive gated Siena Creek community is a showcase of modern luxury. Situated on a generous 0.73-acre corner lot, this 5-bedroom single-story home offers a peaceful setting and an intelligent layout. From the moment you arrive, you’ll appreciate the striking exterior with its

    Gene Arant Keller Williams - Lake Travis

    116 Mitchell Creek Dr, Horseshoe Bay, TX 78657
  • /12

    $9,999

    • Land
    • 0.25 Acre
    • $39,289 per Acre

    K12034 Stampede, Cottonwood Shores, TX 78657

    Welcome to your future homesite in the heart of Horseshoe Bay — one of Texas Hill Country’s most sought-after resort communities. This residential lot offers the perfect canvas to build your dream home, weekend retreat, or investment property. Nestled among rolling hills and mature trees, the lot provides a serene setting with easy access to all the amenities that make Horseshoe Bay truly

    Agent Photo

    Emily Dieckmann

    eXp Realty, LLC

    (830) 783-1270

    K12034 Stampede, Cottonwood Shores, TX 78657
  • /43

    $39,900,000

    • Land
    • 400.41 Acres
    • $99,648 per Acre

    24434 State Highway 71 E, Horseshoe Bay, TX 78657

    rime Ranch location, approximately 400 +/- acres on Hwy 71, right off 2147. Multiple properties on the ranch. Unique main property with 25-foot vaulted ceilings with wraparound porches surrounded by French doors opening to hill country views. Gourmet kitchen with stainless steel appliances, dining area, loft bedroom area, several seating areas, a Party hot tub, enormous fire pit, and a three-car

    Chris e-Pro Pine & Beckett - Chris Beckett

    24434 State Highway 71 E, Horseshoe Bay, TX 78657
  • /9

    $18,000

    • Land
    • 0.26 Acre
    • $70,533 per Acre

    K8079 Stagecoach, Horseshoe Bay, TX 78657

    Come see this beautiful lot just under a third of an acre — the perfect spot to build your Hill Country retreat near Lake LBJ! Enjoy community access to launch docks, a camping area with RV hookups for visiting family and friends, and the option to join the Horseshoe Bay Resort & Yacht Club for lake-life luxury. The neighborhood also features tennis courts, a golf course, and scenic hiking and

    Chelsea Gressett Land Unlimited

    K8079 Stagecoach, Horseshoe Bay, TX 78657
  • /14

    $40,000

    • Land
    • 0.22 Acre
    • $181,818 per Acre

    207 Mercury Dr, Horseshoe Bay, TX 78657

    REDUCED PRICE! Welcome to 207 Mercury Drive, a peaceful .22-acre lot tucked away on a quiet cul-de-sac in Horseshoe Bay West. Just steps from the Apple Rock Golf Course and close to clubhouses, dining, and resort amenities Horseshoe Bay has to offer, this location is ideal for any golf or Hill Country enthusiast. Mercury Drive offers minimal traffic and a serene setting to build your dream home.

    Charla Cormier Cormier Property Team - eXp

    207 Mercury Dr, Horseshoe Bay, TX 78657
  • /4

    $11,900

    • Land
    • 0.24 Acre
    • $49,583 per Acre

    K12004 Mount Dew, Horseshoe Bay, TX 78657

    Beautiful lot for sale in Horseshoe Bay, Texas—approximately 10,400 sq. ft. with gorgeous trees, located in the Marble Falls SchoolDistrict. Owner financing is available with just 50% down, offering low monthly payments, and bad credit is OK Sales price $11,900 .10 years at 11.9%. APR 12.16 % (2 points) Loan terms and availability are subject to change without notice.

    Ingrid Mendoza Horseshoe Bay Resort Realty

    K12004 Mount Dew, Horseshoe Bay, TX 78657
  • /8

    $39,900

    • Land
    • 0.22 Acre
    • $181,364 per Acre

    Lot 5038 Big Spur S, Horseshoe Bay, TX 78657

    Welcome to Lot 5038 N Big Spur, a beautiful 0.22-acre homesite located in the highly desirable Horseshoe Bay community. This flat, buildable lot is graced with mature oak trees offering natural shade & privacy, making it the perfect setting for your Hill Country dream home. Enjoy peaceful surroundings and easy access to the best of Horseshoe Bay living from world-class golf courses and Lake LBJ

    Valerie Kelly Kelly Realty Team - eXp Realty

    Lot 5038 Big Spur S, Horseshoe Bay, TX 78657
  • /11

    $18,000

    • Land
    • 0.29 Acre
    • $61,454 per Acre

    LOT K10048 Golden Eagle, Horseshoe Bay, TX 78657

    Come see this incredible corner lot just under a third of an acre — your chance to own property near beautiful Lake LBJ!Enjoy access to launch docks, a camping area with RV hookups for family and friends, and the option to join the Horseshoe Bay Resort & Yacht Club for a luxury lifestyle on the lake. The community also features tennis courts, a championship golf course, plus scenic hiking and

    Chelsea Gressett Land Unlimited

    LOT K10048 Golden Eagle, Horseshoe Bay, TX 78657
  • /8

    $18,000

    • Land
    • 0.22 Acre
    • $81,930 per Acre

    LOT K10168 Mountain Dew Rd, Cottonwood Shores, TX 78657

    Come see this beautiful lot just over .20 of an acre — the perfect spot to build your Hill Country retreat near Lake LBJ!Enjoy community access to launch docks, a camping area with RV hookups for visiting family and friends, and the option to join the Horseshoe Bay Resort & Yacht Club for lake-life luxury. The neighborhood also features tennis courts, a golf course, and scenic hiking and

    Chelsea Gressett Land Unlimited

    LOT K10168 Mountain Dew Rd, Cottonwood Shores, TX 78657
  • /10

    $18,000

    • Land
    • 0.29 Acre
    • $62,478 per Acre

    K11096 Chisolm Trail, Horseshoe Bay, TX 78657

    Come see this beautiful lot just under a third of an acre — the perfect spot to build your Hill Country retreat near Lake LBJ!Enjoy community access to launch docks, a camping area with RV hookups for visiting family and friends, and the option to join the Horseshoe Bay Resort & Yacht Club for lake-life luxury. The neighborhood also features tennis courts, a golf course, and scenic hiking and

    Chelsea Gressett Land Unlimited

    K11096 Chisolm Trail, Horseshoe Bay, TX 78657
  • /19

    $19,500

    • Land
    • 0.3 Acre
    • $65,000 per Acre

    29031 Paiute, Horseshoe Bay, TX 78657

    Exceptional opportunity to own a premier aviation homesite just feet away from the Horseshoe Bay Resort Jet Center. Imaging being able to taxi your aircraft right from your own hanger and right onto the runway just a few hundred feet away! This rare lot is designed to accommodate both a luxury home and private aircraft hanger, offering seamless fly-in and fly-out convenience. Enjoy the ultimate

    Tad Snell Horseshoe Bay ONE Realty

    29031 Paiute, Horseshoe Bay, TX 78657
  • /4

    $26,000

    • Land
    • 0.24 Acre
    • $110,450 per Acre

    LT 45024 Moon Rise, Horseshoe Bay, TX 78657

    Great chance to build your dream home in a growing area. Owner/agent.

    Craig Wallace Wallace Realty

    LT 45024 Moon Rise, Horseshoe Bay, TX 78657
  • /14

    $1,275,000

    • Land
    • 0.3 Acre
    • $4,250,000 per Acre

    W29034 Wennmohs Place, Horseshoe Bay, TX 78657

    If you have been searching for the ideal lot for your custom lake home, today is your lucky day! This exceptional Lake LBJ waterfront lot features an impressive 80 feet of pristine shoreline and encompasses 0.30 acres, perfectly situated on a protected channel. This unique location provides the peace and tranquility you desire for your new residence while keeping you just moments away from the

    Shirl Thornton RE/MAX HORSESHOE BAY RESORT SA

    W29034 Wennmohs Place, Horseshoe Bay, TX 78657
  • /4

    $28,000

    • Land
    • 0.34 Acre
    • $83,582 per Acre

    LT 45025 Moon Rise, Horseshoe Bay, TX 78657

    Build your dream home in an up scale neighborhood or hold as investment as the city grows. Owner/agent.

    Craig Wallace Wallace Realty

    LT 45025 Moon Rise, Horseshoe Bay, TX 78657
  • /12

    $37,500

    • Land
    • 0.22 Acre
    • $170,455 per Acre

    304 Feldspar, Horseshoe Bay, TX 78657

    Looking for a lot with stunning views, mature trees, and rolling hills? This exceptional property in Horseshoe Bay features an intriguing and elevated landscape, perfect for building your dream home. Ideally situated near the acclaimed Ram Rock and Apple Rock golf courses. Beautifully rolling hills, mature trees, and expansive views provide privacy and aesthetic appeal. All essential utilities

    Gay Wheeler Horseshoe Bay Resort Realty

    304 Feldspar, Horseshoe Bay, TX 78657
  • /14

    $15,000

    • Land
    • 0.23 Acre
    • $65,217 per Acre

    Lot K8007 Mount Dew, Horseshoe Bay, TX 78657

    This mostly level, partially wooded lot captures stunning panoramic views of the surrounding hills and offers an ideal balance of privacy and open space. Conveniently located near Lake LBJ, The Horseshoe Bay Resort and its amenities — enjoy peaceful living with easy access to world class amenities. Priced to sell, this homesite is a great opportunity to create your own haven in Horseshoe Bay.

    Francisco Ambriz Horseshoe Bay ONE Realty

    Lot K8007 Mount Dew, Horseshoe Bay, TX 78657
  • /8

    $65,000

    • Land
    • 0.25 Acre
    • $260,000 per Acre

    N6021 Twin Sails, Horseshoe Bay, TX 78657

    Outstanding view of Lake LBJ. Perfect buildable lot to build your dream home in Horseshoe Bay. 40% of the lot in Llano county and 60% in Burnet county. Survey in associated docs!

    Agent Photo

    Steve Butler

    RE/MAX HORSESHOE BAY RESORT SA

    (830) 357-7109

    N6021 Twin Sails, Horseshoe Bay, TX 78657
  • /12

    $24,900

    • Land
    • 0.22 Acre
    • $113,182 per Acre

    Lot 22233 Quick Draw, Horseshoe Bay, TX 78657

    Panoramic Hill Country VIEWS are abundant at this fabulous, elevated lot, offering a perfect canvas for your custom dream home! This gently rolling, 0.35-acre homesite provides the ideal foundation for a stunning multi-level design to maximize your sunset vistas. Its prime location is a rare gem: you're just minutes from the private airport and an easy, golf-cart-accessible ride to the renowned

    Gay Wheeler Horseshoe Bay Resort Realty

    Lot 22233 Quick Draw, Horseshoe Bay, TX 78657
  • /10

    $55,000

    • Land
    • 0.39 Acre
    • $141,026 per Acre

    Lot 2009 Discreet, Horseshoe Bay, TX 78657

    One-of-a-kind LARGE lot in Applehead West waiting for your dream home! Because it's a flag lot, access to your new home will be through a long private driveway giving you an estate-like introduction. The lot has some beautiful trees and is LEVEL. City water and sewer are in the street and electric is underground. The neighborhood has many upscale beautiful homes and Applehead West offers a pool,

    Cheryl Reynolds Linck Yellow Rose Realty

    Lot 2009 Discreet, Horseshoe Bay, TX 78657
  • /5

    $27,000

    • Land
    • 0.23 Acre
    • $120,000 per Acre

    0 Hi Ridge Rd Unit ACT2166822, Horseshoe Bay, TX 78657

    Beautiful Large End Lot in Canyon CreekThis spacious end lot offers both privacy, surrounded by a mix of mature and medium-sized trees. The property has been recently cleared, providing a clean, level site that’s ready for your dream home. All utilities, including sewer, are conveniently available at the street - making building easy and efficient. Enjoy the perfect blend of natural beauty

    Lisa Shaw CENTURY 21 Integra

    0 Hi Ridge Rd Unit ACT2166822, Horseshoe Bay, TX 78657
  • /9

    $18,000

    • Land
    • 0.22 Acre
    • $82,759 per Acre

    705 Fallow, Horseshoe Bay, TX 78657

    Build your dream retreat in one of the most sought-after communities in the Texas Hill Country, Horseshoe Bay. This beautiful lot, just under 1/4 acre, sits at the end of a quiet cul-de-sac on a developed, paved street offering the perfect blend of privacy and convenience. Located just minutes from the Horseshoe Bay Jet Center, this property provides quick access for those who value both luxury

    Chelsea Gressett Land Unlimited

    705 Fallow, Horseshoe Bay, TX 78657
  • /6

    $319,000

    • Land
    • 0.36 Acre
    • $886,111 per Acre

    LT 277 La Serena Loop, Horseshoe Bay, TX 78657

    Escondido LT 277 is a great property for a builder or homeowner to develop a golf course lot overlooking #8 green in the prestigious and private Escondido Golf and Lake Club community. There are only a few remaining golf course lots available, so don’t hesitate and move quickly on this opportunity.

    Kirby Myers Myers Realty Company,LLC

    LT 277 La Serena Loop, Horseshoe Bay, TX 78657
  • /2

    $50,000

    • Land
    • 0.39 Acre
    • $128,205 per Acre

    1006 Hi Cir W, Horseshoe Bay, TX 78657

    Beautiful Horseshoe Bay lot Zoned R2. Build your dream single-family home or duplex.

    David Gaston Partners Realty

    1006 Hi Cir W, Horseshoe Bay, TX 78657
  • /32

    $198,000

    • 2 Beds
    • 1.5 Baths
    • 1,321 Sq Ft

    300 Out Yonder Unit 178, Horseshoe Bay, TX 78657

    $22k Price Improvement! Horseshoe Bay Condo with Lake LBJ View! New interior paint! The hard tile flooring throughout is in excellent condition. New electric range. New smoke detectors. HVAC replaced in 2021. Water heater replaced in 2017 but lightly used. Has over the range microwave, large refrigerator, dishwasher, stainless double sink, bonus stainless bar fridge with ice maker. Mirrored bar

    Christopher Cabiya Real Broker, LLC

    300 Out Yonder Unit 178, Horseshoe Bay, TX 78657
  • /30

    $3,400,000

    • 5 Beds
    • 3 Baths
    • 3,242 Sq Ft

    1000 Red Sails, Horseshoe Bay, TX 78657

    Discover the perfect blend of luxury and comfort in this stunning 5-bedroom, 3-bath (5th bedroom is bunk room multi-purpose room) waterfront home on Lake LBJ, nestled in the heart of the prestigious Horseshoe Bay Resort on the sought after street Red Sails. This rare core area, single level, water front residence boasts a newly remodeled kitchen featuring top-of-the-line Jenn-Air stainless steel

    David Poelzl Horseshoe Bay Resort Realty

    1000 Red Sails, Horseshoe Bay, TX 78657

Showing Results 521 - 560, Page 14 of 18

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