Homes for Sale in 78028

• 

  

  

  /27

  $365,000

  • 3 Beds
  • 2 Baths
  • 2,053 Sq Ft

  1273 Victory Ln, Kerrville, TX 78028

  Ideally situated in the sought-after Vicksburg Village, an active 55+ neighborhood. The single-level residence features spacious rooms and abundant storage. The kitchen is equipped with modern appliances that convey as well as the washer and dryer. The enclosed patio can function as a studio or flex space. Carpeting was replaced in 2024. HOA dues of $160/month cover front yard lawn maintenance

  Stephanie Clifton Fore Premier Properties

  1273 Victory Ln, Kerrville, TX 78028
• 

  

  

  /20

  $59,900

  • Land
  • 0.19 Acre
  • $315,263 per Acre

  2004 Valencia Dr N Unit 82, Kerrville, TX 78028

  Build your dream home in the heart of the Texas Hill Country at The Meridian, Kerrville's premier 55+ community. This prime 0.19-acre lot offers sweeping views & gentle terrain, perfect for your custom design. Minimum build requirements are 1,700 sq ft with an attached 2-car garage. The front of the lot faces west for stunning sunsets, while the east-facing rear offers peaceful sunrises. Enjoy

  Laura Fore Fore Premier Properties

  2004 Valencia Dr N Unit 82, Kerrville, TX 78028
• 

  

  

  /28

  $250,000

  • Land
  • 4.17 Acres
  • $59,952 per Acre

  198 Lakeway Dr, Kerrville, TX 78028

  The 4.17 acres sits on Camp Meeting Creek with approximately 400 ft. of water frontage between the two lots. The level ground outside the flood zone offers ample opportunities for constructing a home and septic on both properties with plenty of room for outdoor activities and entertainment throughout the rest of the acreage. It is fenced on three sides with two gates for easy access to each

  Jessica Kester Jessica Kester, Broker

  198 Lakeway Dr, Kerrville, TX 78028
• 

  

  

  /27

  $2,695,000

  • 4,884 Sq Ft

  912 Center Point River Rd, Center Point, TX 78010

  GORGEOUS 4884 SF. CUSTOM ROCK HOME WITH 3 BEDROOM AND 3 BATH INCLUDING AN OFFICE AND LOFT. THIS HOME SITS ON THIS LOVELY 22 ACRES ESTATE SURROUNDED BY GIANT OAKS, 8400SF. SUPER NICE METAL BUILDING STORAGE BARN FOR RV, FANTASTIC FRONTAGE ON LIVE TURTLE CREEK WITH DEEP WATER FOR FISHING AND KAYAKING WITH DRIVE ACROSS DAM. A REALLY NICE LIVE WATER ESTATE ONLY 10 MINUTES SOUTH OF KERRVILLE, DOWN FM

  Mark Meek Meek Real Estate

  912 Center Point River Rd, Center Point, TX 78010
• 

  

  

  /22

  $1,188,000

  • Land
  • 51.3 Acres
  • $23,158 per Acre

  195&200 Countless Views Dr, Kerrville, TX 78028

  Welcome to Mystic Ridge Estates, Kerrville's new premier community featuring a 550-acre (+/-) development offering paved roads, underground electric service, and consisting of large acreage lots. Located on a cul-de-sac, this 51.30-acre property offers privacy and long-range views. If you've been searching for a place to build and call home, this is your opportunity to purchase your piece of the

  Laura Fore Fore Premier Properties

  

  195&200 Countless Views Dr, Kerrville, TX 78028
• 

  

  /7

  $1,550,000

  • Land
  • 12.53 Acres
  • $123,703 per Acre

  613 Guadalupe St, Kerrville, TX 78028

  This ±12.53-acre property is a rare find for townhome or condo development, offering a central location and stunning riverfront views. With frontage on both the north and south banks of the Guadalupe River in the heart of Kerrville, it’s a unique opportunity for a residential project in a highly desirable area.Right next door is Palacio Del Guadalupe, a luxury condo community where

  Spence Collins McAllister & Associates

  613 Guadalupe St, Kerrville, TX 78028
• 

  

  /36

  $549,000

  • 3 Beds
  • 2.5 Baths
  • 2,410 Sq Ft

  200 Roundabout Ln, Kerrville, TX 78028

  Welcome to 200 Roundabout Lane—a beautifully maintained property offering true Texas charm just minutes from Kerrville. A gated courtyard entry with a peaceful fountain leads you into the home, where warm Saltillo tile floors and a cozy wood-burning fireplace create an inviting atmosphere. This 3BR/2.5BA residence features a durable metal roof (approx. 5 years old), two HVAC systems under

  Amy Patrick Keller Williams Realty - Kerrville

  200 Roundabout Ln, Kerrville, TX 78028
• 

  

  /6

  $185,000

  • Land
  • 0.56 Acre
  • $330,357 per Acre

  1521 Marion Dr Unit 12, Kerrville, TX 78028

  Ready to build, level lot with utilities on site. Perfect for a custom home or investment property. Easy access, fully prepped, and construction ready.

  Stef Borkowski Legacy Partners

  1521 Marion Dr Unit 12, Kerrville, TX 78028
• 

  

  /22

  $1,188,000

  • Land
  • 51.3 Acres
  • $23,158 per Acre

  195&200 Countless Views Dr Unit 15 & 16, Kerrville, TX 78028

  Welcome to Mystic Ridge Estates, Kerrville's new premier community featuring a 550-acre (+/-) development offering paved roads, underground electric service, and consisting of large acreage lots. Located on a cul-de-sac, this 51.30-acre property offers privacy and long-range views. If you've been searching for a place to build and call home, this is your opportunity to purchase your piece of the

  Laura Fore Fore Premier Properties

  195&200 Countless Views Dr Unit 15 & 16, Kerrville, TX 78028
• 

  

  /11

  $69,500

  • Land
  • 0.26 Acre
  • $267,308 per Acre

  2102 Valencia Dr N Unit 84, Kerrville, TX 78028

  STUNNING VIEWS! Enjoy expansive Hill Country views from this oversized lot in the welcoming Meridian Subdivision. Designed for easy, carefree living, this gated 55+ community (with up to 20% of residents eligible at 45+) offers thoughtfully planned amenities & a peaceful lifestyle in the heart of the Texas Hill Country. The neighborhood features underground utilities to preserve the natural

  Julie Becker Fore Premier Properties

  2102 Valencia Dr N Unit 84, Kerrville, TX 78028
• 

  

  /27

  $259,000

  • Land
  • 5.01 Acres
  • $51,697 per Acre

  Lot 64 Walcott Ridges Dr Unit 64, Kerrville, TX 78028

  Nestled at the end of a private cul-de-sac in the heart of the Texas Hill Country, this rare 5-acre lot offers breathtaking panoramic views and unmatched privacy. Situated on the crest of a ridge, the land is flat and ready to build, with ample space to design your dream home or retreat. The expansive lot features a south-facing backyard—ideal for enjoying both sunrises and sunsets. With no

  Lisa Koenig Hill Country Luxury Living

  Lot 64 Walcott Ridges Dr Unit 64, Kerrville, TX 78028
• 

  

  /13

  $400,000

  • Land
  • 0.28 Acre
  • $1,428,571 per Acre

  3147/49 Riverside Dr, Kerrville, TX 78028

  170' +/- of Guadalupe Riverfront. This sale includes 3147 & 3149 Riverside Dr., corner lot in a convenient location with deep, navicable water. Choose to use this property yourself or make it into a Short Term Rental income producing property. Cleared and ready to go! The possibilites are endless. This property can be bought separate or paired with the others adjacent at 3135 Memorial, and 3210

  Kari Bock Bock & Co LLC

  3147/49 Riverside Dr, Kerrville, TX 78028
• 

  

  /50

  $9,250,000

  • Land
  • 109.88 Acres
  • $84,183 per Acre

  211 Bear Creek Rd, Kerrville, TX 78028

  All three homes in this listing were unaffected by the recent flooding! Debris cleanup on the riverbank is currently underway. Nestled along the serene banks of the Guadalupe River midway between Kerrville and Ingram, this expansive property includes nearly 110 acres, offering unparalleled natural beauty and tranquility. With almost a mile of pristine river frontage, the land is a treasure trove

  Rebecca Clausewitz Rudder Realty, Inc.

  211 Bear Creek Rd, Kerrville, TX 78028
• 

  

  /32

  $212,500

  • 1 Bed
  • 1.5 Baths
  • 1,310 Sq Ft

  805 #132 Loop 534, Kerrville, TX 78028

  Unit 132 has a soaring high ceiling and a beautiful rock two-story fireplace cause a "wow!" factor when entering this one-bedroom condo. There is an electric stove insert, perfect for the coming cooler months, and an open layout making the kitchen and dining area visible from the front door. There is additional storage in the kitchen pantry, a half bath conveniently located on the main level, and

  Kim McKnight REALTY EXECUTIVES Kerrville

  805 #132 Loop 534, Kerrville, TX 78028
• 

  

  /29

  $307,500 New Construction

  • 3 Beds
  • 2.5 Baths
  • 1,414 Sq Ft

  302 Riley Way, Kerrville, TX 78028

  HOME BACKED BY BUILDER WARRANTY ALSO HOME COMES WITH A 65 INCH SAMSUNG TV MOUNTED IN THE LIVING ROOM AND A BRANDNEW GAS GRILL! ASK FOR MORE INFO!! Welcome to your future dream home! This newly built, charming two-story residence is filled with thoughtful details and quality craftsmanship. Upon entering, you'll be captivated by the soaring vaulted ceilings and an open floor plan that creates an

  Rosalie Deyoung eXp Realty

  302 Riley Way, Kerrville, TX 78028
• 

  

  /33

  $399,000

  • 4 Beds
  • 3 Baths
  • 2,128 Sq Ft

  190 Rocky Hill Dr, Kerrville, TX 78028

  Take in stunning Hill Country views from this 4-bedroom, 3-bath home set on 3 acres in the desirable Upper Turtle Creek area. The open great room features a wood-burning fireplace and plenty of natural light, creating a welcoming space for family and friends. The kitchen offers ample cabinetry, an island, and a buffet area perfect for entertaining. The primary suite provides a private retreat

  Holly Jones Fore Premier Properties

  190 Rocky Hill Dr, Kerrville, TX 78028
• 

  

  /37

  $409,331

  • Land
  • 12.93 Acres
  • $31,657 per Acre

  422 Dark Sky Path Unit 9, Kerrville, TX 78028

  This 12.93-acre tract features a gentle 60-foot elevation change, making it an ideal homesite to build your dream home while enjoying the long-range views that define Luna Vista. Whether seeking a peaceful retreat or a refined homestead, this property provides ample space to bring your vision to life within a thoughtfully designed community that blends natural beauty with modern living. Luna

  Laura Fore Fore Premier Properties

  

  422 Dark Sky Path Unit 9, Kerrville, TX 78028
• 

  

  /38

  $470,000 New Construction

  • 3 Beds
  • 2 Baths
  • 1,662 Sq Ft

  2015 Chalet Cir, Kerrville, TX 78028

  Move-In Ready! Welcome to this stunning, open-concept new construction home by BWC Home Builders, LLC – the third residence in The Villas at The Meridian. Step inside to a spacious, thoughtfully designed layout featuring a large kitchen with custom cabinetry, a walk-in pantry, sleek stainless steel appliances, elegant quartz countertops, and handicap accessible . Whether you're looking for a

  Kristen Carroll RE/MAX Kerrville

  2015 Chalet Cir, Kerrville, TX 78028
• 

  

  /30

  $375,000

  • 3 Beds
  • 2 Baths
  • 2,081 Sq Ft

  337 MacK Hollimon Dr, Kerrville, TX 78028

  Discover comfort, convenience, and character in this beautifully updated 3-bedroom home tucked away on a quiet street in Kerrville. Just minutes from Kerrville-Schreiner Park, it's the perfect blend of town living and outdoor adventure-ideal for weekend hikes, river kayaking, or peaceful picnics under the trees. Inside, enjoy brand-new flooring in most rooms, stylish new bathroom fixtures, and a

  Jorge Rivera Real Broker, LLC

  337 MacK Hollimon Dr, Kerrville, TX 78028
• 

  

  /49

  $995,000 New Construction

  • 3 Beds
  • 2.5 Baths
  • 2,570 Sq Ft

  1311 #3 Water St, Kerrville, TX 78028

  This private Texas Hills Country gated community, nestled along the Guadalupe River just moments from Kerrville's city center and its amenities, offers an exceptional living experience. The homes feature contemporary and unique design elements, including loft-style layouts, open floor plans, balconies, and 2-car garages. Their exteriors boast a captivating blend of brick, steel, and Hill Country

  Toni Manchester & Amber Carpenter CENTURY 21 The Hills Realty

  1311 #3 Water St, Kerrville, TX 78028
• 

  

  /6

  $310,000

  • Land
  • 5.01 Acres
  • $61,876 per Acre

  LOT 64 Masons Way, Kerrville, TX 78028

  Located on a cul de sac corner with multiple build sites and a gentle slope, this ag exempt lot is ready for your Hill Country dream home. Great Sky Ranch offers owners the opportunity to have 4 structures on the lot, barndomiums, short term rentals but no mobile homes. The elevation captures the steady breezes and the views go on for miles. Close to downtown Kerrville, 40 minutes to Boerne and 1

  Ariel Brooks-Stevens Hill Country Home And Land LLC

  LOT 64 Masons Way, Kerrville, TX 78028
• 

  

  /19

  $175,000

  • Land
  • 3 Acres
  • $58,333 per Acre

  902 Saddlewood Blvd Unit 21, Kerrville, TX 78028

  Beautiful 3.0 Acre Homesite in Gated Community - Ready to Build! Enjoy the peace and privacy of a gated community conveniently located near shopping, dining, and medical services. This 3.0 acre property offer a level building site and stunning views. Property Highlights: Level building pad with approved 2558SF house plans - Installed aerobic septic system - AquaTX water hook-up - Driveway

  Kathryn McHone Legacy Partners

  902 Saddlewood Blvd Unit 21, Kerrville, TX 78028
• 

  

  /10

  $1

  • 3,472 Sq Ft

  899 Harper Rd, Kerrville, TX 78028

  Available for a Joint Venture or Ground Lease with terms to be negotiated. Unlock the potential of 6.65 prime acres located just a quarter mile off Hwy 10 and minutes from downtown Kerrville. Situated in a Special Opportunity Zone, this property may offer the ability to defer and potentially eliminate capital gains taxes. With versatile zoning and endless development possibilities, this acreage

  John Sawyer, Jr Legacy Partners

  899 Harper Rd, Kerrville, TX 78028
• 

  

  /43

  $409,000

  • 3 Beds
  • 3 Baths
  • 1,600 Sq Ft

  1129 Norfolk Ln, Kerrville, TX 78028

  This beautiful 3 bedroom, 3 full bath, 1,600 square foot, split floorplan home built in 2016 offers a nice open concept feel, high tray ceilings, tile floors throughout, granite countertops and wooden cabinets in the kitchen, laundry room and bathrooms as well as lots of natural and recessed lighting. The primary suite includes a relaxing garden tub, a tiled walk-in shower, two separate vanities

  Debra Luebano eXp Realty LLC

  1129 Norfolk Ln, Kerrville, TX 78028
• 

  

  /34

  $389,000

  • 2 Beds
  • 2 Baths
  • 1,231 Sq Ft

  1000 Guadalupe St, Kerrville, TX 78028

  Owner Financing Available. Welcome to your beautifully UPDATED riverside retreat on the GUADALUPE River, offering the perfect blend of comfort, flexibility & resort-style living. Enjoy an open-concept kitchen & living area that leads to 2 spacious patios w/stunning river views. Kitchen features elegant granite countertops, classic white shaker cabinets, black appliances, & a breakfast bar for

  Karin Buchanan Fore Premier Properties

  1000 Guadalupe St, Kerrville, TX 78028
• 

  

  /36

  $182,500

  • Land
  • 3.25 Acres
  • $56,154 per Acre

  Lot 92 Murray Ridge Unit 92, Kerrville, TX 78028

  Discover the charm of this 3.25-acre Hill Country retreat in the gated Loma Vista subdivision. Enjoy low taxes with a wildlife exemption while sharing your land with deer, wild turkeys, and hawks. The property boasts sweeping Hill Country views, a serene seasonal creek at the back, and access to community amenities, including a private park and fishing lake. Miles of trails and outdoor activities

  Tara Legenza Fore Premier Properties

  Lot 92 Murray Ridge Unit 92, Kerrville, TX 78028
• 

  

  /37

  $298,432

  • Land
  • 14.07 Acres
  • $21,211 per Acre

  192 Dark Sky Path Unit 1, Kerrville, TX 78028

  This 14.07-acre tract offers a gentle 25-foot rise, creating an ideal homesite to build your dream residence while enjoying the sweeping Hill Country views that define Luna Vista. Whether seeking a peaceful retreat or a refined homestead, this property provides ample space to bring your vision to life within a thoughtfully designed community that blends natural beauty with modern living. Luna

  Laura Fore Fore Premier Properties

  192 Dark Sky Path Unit 1, Kerrville, TX 78028
• 

  

  /13

  $579,000

  • Land
  • 21.13 Acres
  • $27,402 per Acre

  195 Countless Views Dr Unit 15, Kerrville, TX 78028

  Welcome to Mystic Ridge Estates, Kerrville's new premier community featuring a 550-acre (+/-) development offering paved roads, underground electric service, and consisting of large acreage lots. Located on a cul-de-sac, Lot 15 features 21.13 acres, privacy, and long-range views. If you've been searching for a place to build and call home, this is your opportunity to purchase your piece of the

  Laura Fore Fore Premier Properties

  

  195 Countless Views Dr Unit 15, Kerrville, TX 78028
• 

  

  /21

  $2,000,000

  • Land
  • 96 Acres
  • $20,833 per Acre

  215 Dally Rd, Fredericksburg, TX 78624

  96 Acres of rolling terrain studded with numerous Oaks including Post Oak, Live Oak and Spanish Oak as well as native grasses. The entire 96 acres is high fenced and has four access gates. 4 underground electric units are in place. There is a solar well pulling 60 GPM. The property boasts multiple locations for a homesite whether your preference is hilltop with a view or set down into the trees

  Rebekah Sauer Real Estate Advisory Team, LLC

  

  215 Dally Rd, Fredericksburg, TX 78624
• 

  

  /22

  $139,000

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

  165 Scenic Valley Rd Unit 96, Kerrville, TX 78028

  Don't miss this chance to be a member of this prestigious 55+community! This 3/2 double wide has been very well maintained and it shows! One of the few homes in this community with a 2 car garage, agas fire place and gas stove, this home is sure to please! The Scenic Valley MH Park is a close knit community for seniors with lovely walkablestreets, lovely neighbors and a beautiful portion of the

  Beckie Striegler LEGACY PARTNERS

  165 Scenic Valley Rd Unit 96, Kerrville, TX 78028
• 

  

  /14

  $485,000 New Construction

  • 3 Beds
  • 2 Baths
  • 1,691 Sq Ft

  418 Alvin Dr, Kerrville, TX 78028

  Stunning new construction Hill Country home offering modern design and timeless craftsmanship. This three-bedroom, 2 bath home showcases an open concept layout with vaulted ceilings, exposed beams, and a gorgeous floor to ceiling stone fireplace as the centerpiece. The designer kitchen features quartz countertops, large island farmhouse sink, custom cabinetry and a striking ornate black vent

  Natalie McCreless Phyllis Browning Company

  418 Alvin Dr, Kerrville, TX 78028
• 

  

  /37

  $338,717

  • Land
  • 12.41 Acres
  • $27,294 per Acre

  445 Dark Sky Path Unit 14, Kerrville, TX 78028

  Remarks: The dramatic 160-foot elevation change on this 12.41-acre tract offers unparalleled views, making it the ideal setting for your dream home in Luna Vista. Whether seeking a peaceful retreat or a refined homestead, this property provides ample space to bring your vision to life within a thoughtfully designed community that blends natural beauty with modern living. Luna Vista is a 281 acre

  Laura Fore Fore Premier Properties

  

  445 Dark Sky Path Unit 14, Kerrville, TX 78028
• 

  

  /3

  $135,000

  • Land
  • 3.05 Acres
  • $44,262 per Acre

  000 Dekoch Ridge Unit 123, Kerrville, TX 78028

  Great Price and Great Building site in the fabulous Loma Vista Ranch subdivision.

  Ardie Vargas CENTURY 21 The Hills Realty

  000 Dekoch Ridge Unit 123, Kerrville, TX 78028
• 

  

  /17

  $129,000

  • Land
  • 12.19 Acres
  • $10,582 per Acre

  108 Heights Trail, Kerrville, TX 78028

  Welcome to your own hill country paradise! Situated on 12.19 acres, this generous property provides ample space for gardening, play or future expansion. Mature trees and natural landscape offer privacy and peacefulness throughout this acreage. Neighborhood amenities include gated access and paved roads. Easy access to downtown Kerrville and Fredericksburg wineries.

  Brenda Overson JPAR New Braunfels

  108 Heights Trail, Kerrville, TX 78028
• 

  

  /10

  $1,965,427

  • Land
  • 9.4 Acres
  • $209,088 per Acre

  2101 N Stoneledge, Kerrville, TX 78028

  Introducing an exceptional commercial real estate opportunity encompassing 9.4 acres of prime land zoned Mixed Use (MU). This commercial tract, fronting both Loop 534 and Stoneledge Drive at the base of The Summit, offers great potential for developers and investors. Directly behind Hobby Lobby, this property boasts a strategic position with high visibility and accessibility. Location Advantages

  Don Foster Fore Premier Properties

  

  2101 N Stoneledge, Kerrville, TX 78028
• 

  

  /37

  $629,900

  • 3 Beds
  • 2 Baths
  • 2,377 Sq Ft

  150 Saint Andrews Loop, Kerrville, TX 78028

  THIS LISTING IS FOR 150 ST ANDREWS LOOP AND THE ADJOINING LOT, LOCATED AT 148 ST ANDREWS LOOP. THE HOUSE AND LOT ARE ALSO AVAILABLE TO PURCHASE SEPARATELY. HOUSE ONLY IS LISTED FOR $629,900 AND THE LOT ONLY IS LISTED FOR $70,000. Step inside this beautifully crafted custom home, where thoughtful design and timeless finishes create a warm, welcoming story from the very first moment. Porcelain tile

  Gena Teer Fore Premier Properties

  150 Saint Andrews Loop, Kerrville, TX 78028
• 

  

  /17

  $175,000

  • Land
  • 3 Acres
  • $58,333 per Acre

  902 N Saddlewood Blvd, Kerrville, TX 78028

  Beautiful 3.0 Acre Homesite in Gated Community - Ready to Build! Enjoy the peace and privacy of a gated community conveniently located near shopping, dining, and medical services. This 3.0 acre property offer a level building site and stunning views. Property Highlights: Level building pad with approved 2558SF house plans - Installed aerobic septic system - AquaTX water hook-up - Driveway

  Kathryn McHone Legacy Partners

  902 N Saddlewood Blvd, Kerrville, TX 78028
• 

  

  /17

  $199,000

  • 2 Beds
  • 1 Bath
  • 1,028 Sq Ft

  103 Jefferson St, Kerrville, TX 78028

  Two Bedroom, one bath cottage with a detached two car carport. Features a partially fenced yard, perfect for pets or outdoor enjoyment. Conveniently located within walking distance to HEB, CVS, Gibsons and more. Fantastic investment property/location.

  Candy Kane RE/MAX Kerrville

  103 Jefferson St, Kerrville, TX 78028
• 

  

  /37

  $345,000

  • 3 Beds
  • 2 Baths
  • 1,470 Sq Ft

  109 Coronado Dr, Kerrville, TX 78028

  Perfectly positioned near Tally Elementary School, this warm & inviting home blends comfort, privacy & thoughtful design in a central, easy-living location. Step inside to a welcoming great room with a vaulted ceiling that creates an open, airy feel. The split floorplan offers privacy, with the primary suite tucked away on one side of the home. The kitchen is open to the dining area & great

  Holly Jones Fore Premier Properties

  109 Coronado Dr, Kerrville, TX 78028
• 

  

  /18

  $134,100

  • Land
  • 0.79 Acre
  • $169,747 per Acre

  4100 Stone Creek Dr Unit 1, Kerrville, TX 78028

  Corner estate lot with ready to build site for your next custom home. This lot is located in an estate neighborhood of Comanche Trace. Architectural Guidelines apply with a 3500 square foot minimum on building with up to 10% allowance for covered porch or patio. This allows you to build 3150 square foot of air-conditioned space plus a large covered porch. Comanche Trace is a master-planned

  Toni Manchester & Amber Carpenter CENTURY 21 The Hills Realty

  4100 Stone Creek Dr Unit 1, Kerrville, TX 78028

Showing Results 481 - 520, Page 13 of 18