1,219

Newest Homes for Sale in Kerrville, TX

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  • /38

    $324,900

    • 2 Beds
    • 2 Baths
    • 890 Sq Ft

    816 Wheless Ave, Kerrville, TX 78028

    Tucked away beneath mature shade trees, this enchanting cottage offers a rare blend of historic character, privacy, and effortless comfort. Rich in character, the one-bedroom, one-bath main home features original hardwood floors, high ceilings, and timeless charm that instantly feels like home. Just steps away, the detached one-bedroom, one-bath guest cottage offers endless possibilities, whether

    Laura Fore Fore Premier Properties

    816 Wheless Ave, Kerrville, TX 78028
  • /20

    $399,000

    • 2 Beds
    • 2 Baths
    • 996 Sq Ft

    821 Clay St, Kerrville, TX 78028

    Sitting on two (2) adjacent lots totaling 0.769 ac (0.3553 ac for the house & 0.4137 for the adjacent vacant lot), this charming cottage sits just 1 block west of Sidney Baker St. and would make the perfect starter home, small business office, or rental property. Built in 1961 with 996 SqFt of living space, the house has 2 bedrooms, 2 full bathrooms, a single car garage, and a carport. The lots

    Jeremy Lacy Anders Ranch Realty

    821 Clay St, Kerrville, TX 78028
  • /29

    $220,000

    • 2 Beds
    • 2 Baths
    • 1,478 Sq Ft

    500 Robinson Ave, Kerrville, TX 78028

    Welcome to 500 Robinson Avenue, where timeless character meets endless opportunity. Situated on a desirable corner lot in Kerrville's Residential Transition District, this charming 2-bedroom, 2-bath home offers the flexibility to fit a variety of lifestyles and future possibilities. Inside, you'll find beautiful hardwood floors, soaring ceilings, two spacious living areas, a large dining room,

    John Barrera eXp Realty

    500 Robinson Ave, Kerrville, TX 78028
  • /13

    $129,000

    • Land
    • 1.53 Acres
    • $84,314 per Acre

    340 Roundabout Ln, Kerrville, TX 78020

    Welcome to 340 Roundabout Lane in Kerrville, Texas. 1.53 acres of beautiful Texas Hill Country ready for your dream home. With breathtaking views, no HOA, no city taxes, and water and electric available, this is your opportunity to build exactly what you've been envisioning. Whether you're dreaming of a custom ranch home, a peaceful country retreat, or relocating to the Texas Hill Country, this

    John Barrera eXp Realty

    340 Roundabout Ln, Kerrville, TX 78020
  • /49

    $847,500

    • 6 Beds
    • 2.5 Baths
    • 4,087 Sq Ft

    618 W Main St, Kerrville, TX 78028

    A Kerrville Landmark | Built in 1928 | 1.20 Acres! One of Kerrville's most iconic residences, this exceptional historic home has been thoughtfully updated while preserving its timeless character & architectural integrity. Situated on a prominent 1.20 acre corner lot, this 4,087 sq. ft. estate offers 6 bd, 2.5 ba, two living areas, formal dining & an updated kitchen w/breakfast area. Rich hardwood

    Julie Becker Fore Premier Properties

    618 W Main St, Kerrville, TX 78028
  • /14

    $199,000

    • 2 Beds
    • 2 Baths
    • 1,205 Sq Ft

    1805 West Ln, Kerrville, TX 78028

    Welcome to this beautifully maintained 2-bedroom, 2-bath residence located in the sought-after 55+ Coronado Condos community, offering a peaceful and refined lifestyle in a quiet residential setting. Ideally positioned, Unit #102 enjoys open views and a serene sense of space. The thoughtfully designed open concept floor plan is highlighted by soaring vaulted ceilings and an abundance of natural

    James Becker Fore Premier Properties

    1805 West Ln, Kerrville, TX 78028
  • /10

    $235,000

    • Land
    • 5.73 Acres
    • $41,012 per Acre

    104 S Lillian Dr S Unit 45, Kerrville, TX 78028

    5.73 Acres on a corner lot in Kerrville South! with a septic tank system and water piped into the property already!! ready to be sculpted to your liking. You are welcome to drive by and set your eyes on it. If you would like to walk the property, please call me.

    Luis Sanchez JWang Properties

    104 S Lillian Dr S Unit 45, Kerrville, TX 78028
  • /37

    $593,000

    • Land
    • 25.82 Acres
    • $22,967 per Acre

    123 Quill Ct, Kerrville, TX 78028

    OWNER FINANCING WITH AS LITTLE AS 5% DOWN/20 MINUTES FROM PROPERTY TO KERRVILLE OR FREDERICKSBURG/BIG OAKS/PRIME HILL COUNTRY PROPERTY/POWER ON EVERY TRACT/PAVED ROADS/AG EXEMPTThe newest development in Kerr County *Walnut Creek* properties will range in size from 16.44-134.31 acres. Each has tons to offer. Each tract is unique in size with a contrast of classic Texas Hill Country Terrain.

    Louis Rees LDR Land Sales

    123 Quill Ct, Kerrville, TX 78028
  • /37

    $442,000

    • Land
    • 19.67 Acres
    • $22,471 per Acre

    123 Quill Ct, Kerrville, TX 78028

    OWNER FINANCING WITH AS LITTLE AS 5% DOWN/20 MINUTES FROM PROPERTY TO KERRVILLE OR FREDERICKSBURG/BIG OAKS/PRIME HILL COUNTRY PROPERTY/POWER ON EVERY TRACT/PAVED ROADS/AG EXEMPTThe newest development in Kerr County *Walnut Creek* properties will range in size from 16.44-134.31 acres. Each has tons to offer. Each tract is unique in size with a contrast of classic Texas Hill Country Terrain.

    Louis Rees LDR Land Sales

    123 Quill Ct, Kerrville, TX 78028
  • /37

    $545,625

    • Land
    • 24.25 Acres
    • $22,500 per Acre

    840 Keidel Ranch Rd N, Kerrville, TX 78028

    24.25 Acres | Kerrville, Texas | Prime Hill Country InvestmentEscape to the beauty of the Texas Hill Country with this exceptional 24.25-acre property just minutes from Kerrville and an easy drive to Fredericksburg. Whether you're looking for a long-term investment, a private weekend retreat, a future homesite, or the perfect place to establish a homestead, this property offers

    Jake Budd Southwest Texas Ranch Sales LLC

    840 Keidel Ranch Rd N, Kerrville, TX 78028
  • /13

    $365,000

    • 2 Beds
    • 2 Baths
    • 1,595 Sq Ft

    111 Homestead, Kerrville, TX 78028

    2 bedroom / 2 bath residence, half acre lot. Recent updates include LVP flooring throughout, butcher block countertops in large kitchen, sizable bedrooms with ample closet space. Covered back patio with mature trees enhance end of road private setting. Glass on backdoor recently damaged during yard maintenance and will be replaced.

    Clint Shields Gipson Real Estate Services LLC

    111 Homestead, Kerrville, TX 78028
  • /29

    $260,000

    • 2 Beds
    • 1 Bath
    • 1,118 Sq Ft

    512 Lake Dr, Kerrville, TX 78028

    Charming, move-in-ready home near town with luxury vinyl plank flooring, updated light fixtures, and new front door opening to the spacious living room with a functional two-bedroom layout and a full bathroom between the bedrooms. The updated kitchen features black granite countertops, painted cabinets, updated appliances, and a butcher-block island with overhang for barstool seating. The

    Amber Carpenter CENTURY 21 The Hills Realty

    512 Lake Dr, Kerrville, TX 78028
  • /52

    $1,495,000

    • 4 Beds
    • 3.5 Baths
    • 4,534 Sq Ft

    3613 Ranch View Ct, Kerrville, TX 78028

    Sitting at one of the highest points in Comanche Trace this estate home has amazing golf course and hill country views for miles plus perfect SE exposure off the back. This home has been completely remodeled. Interior features include wood beams, white oak flooring, 2 fireplaces, wine room, wet bar, chef's kitchen with custom cabinetry, gas cooktop, prep island, and large island, quartzite

    Stacy Stavinoha CT Realty

    3613 Ranch View Ct, Kerrville, TX 78028
  • /29

    $440,180

    New Construction $13K PRICE DROP
    • 5 Beds
    • 4 Baths
    • 2,807 Sq Ft

    1620 Cydney Ln, Kerrville, TX 78028

    NEW CONSTRUCTION: Anna Town Square in Anna. two-story Albany plan. Available October 2026 move-in. 5BR, 4BA + Sleek LVP Flooring throughout + Roomy kitchen designed for functionality and comfort, with plenty of workspace + Onsite elementary and middle schools + No MUD or PID - 2,807 sq.ft. Open concept layout with a spacious owner's suite and one secondary bedroom downstairs. This home is perfect

    Bill Roberds William Roberds

    1620 Cydney Ln, Kerrville, TX 78028
  • /38

    $369,000

    • 3 Beds
    • 2.5 Baths
    • 2,307 Sq Ft

    2625 Calle Del Roble, Kerrville, TX 78028

    Welcome to effortless Hill Country living in the prestigious Riverhill Golf Course Community! This spacious 3-bedroom, 2.5-bath townhome offers over 2,300 sq. ft. of comfortable living with beautiful views overlooking the #3 green. The inviting great room features soaring beamed ceilings, cozy wood-burning fireplace, & abundant natural light, flowing seamlessly into the generous dining

    Agent Photo

    Amy Patrick

    Keller Williams City-View

    2625 Calle Del Roble, Kerrville, TX 78028
  • /20

    $59,000

    • Land
    • 21,344 Sq Ft
    • $120,408 per Acre

    2117 Summit Crest Dr Unit 53, Kerrville, TX 78028

    Build your dream home on this exceptional 0.49 acre lot in the highly desirable Summit subdivision! Enjoy breathtaking views from this prime location off Loop 534, offering convenient access to Interstate 10 for an easy commute. You'll also be just minutes from restaurants, shopping, churches, and schools, making this an ideal place to call home. Don't miss this opportunity to own a beautiful

    Debra Luebano eXp Realty LLC

    2117 Summit Crest Dr Unit 53, Kerrville, TX 78028
  • /45

    $559,000

    • 4 Beds
    • 3 Baths
    • 3,322 Sq Ft

    131 Elm Way, Kerrville, TX 78028

    Enjoy the perfect blend of modern style and peaceful living just outside of town in this beautifully updated 4-bedroom, 3-bath home. Featuring classic board and batten siding, this home offers fresh curb appeal and a contemporary look. Inside, you'll find spacious living areas designed for comfort and functionality along with a woodburning fireplace to cozy up next to in the kitchen and formal

    Stef Borkowski Legacy Partners

    131 Elm Way, Kerrville, TX 78028
  • /33

    $305,000

    • 2 Beds
    • 2 Baths
    • 1,203 Sq Ft

    1445 Gloucester Point, Kerrville, TX 78028

    What would you do with more time to enjoy Kerrville? Welcome to 1445 Gloucester Pt, a refreshed 2-bedroom, 2-bath, 1,203 sq. ft. single-story home on a fenced corner lot in Vicksburg Village, an established 55+ community. Updates bring meaningful peace of mind, including new flooring, all new windows, a new roof, new HVAC system and ductwork, a new water heater, and all new appliances. The

    Ryan Rendon Real Broker, LLC

    1445 Gloucester Point, Kerrville, TX 78028
  • /27

    $490,000

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

    708 Oak Hollow Dr, Kerrville, TX 78028

    This charming and spacious home has all the features you could ask for. Welcome to this 2,281sq ft absolutely stunning 4 bedroom 2 1/2 bath home. As you enter you will notice the open airy feel due to the vaulted ceiling and the bright open layout. There are two living rooms one is great for quiet time with the family. Then there is the one with the media and fireplace perfect for guest. The

    Olivia Ruiz Legacy Partners

    708 Oak Hollow Dr, Kerrville, TX 78028
  • /31

    $62,000

    • 2 Beds
    • 2 Baths
    • 728 Sq Ft

    717 Margaret Dr, Kerrville, TX 78028

    Originally built in 1985, this beautifully updated 2-bedroom, 1-bath home ( plummed for additional bathroom in studio)with a studio addition in the desirable Take It Easy 55+ Community offers a rare combination of modern upgrades and flexible living space. The main home has been thoughtfully renovated with an open-concept floor plan featuring luxury vinyl plank flooring, fresh interior paint,

    Kimberly Spears Home in The Hills Realty

    717 Margaret Dr, Kerrville, TX 78028
  • /7

    $95,000

    • Land
    • 3.01 Acres
    • $31,561 per Acre

    1539 Hidden Acres Rd, Kerrville, TX 78028

    Build your dream home on this beautiful 3.01-acre homesite overlooking the scenic Texas Hill Country! Situated on high ground, this property offers breathtaking panoramic views of Kerrville and the peace of mind that comes with being well above potential flood-prone areas. Whether you're looking to build your forever home, a weekend retreat, or a private family getaway, this property provides the

    Jacob DeLaGarza eXp Realty

    1539 Hidden Acres Rd, Kerrville, TX 78028
  • /55

    $949,000

    • 4 Beds
    • 3.5 Baths
    • 3,788 Sq Ft

    418 Coronado Dr N, Kerrville, TX 78028

    Stunning French Provincial hilltop home with distant Hill Country views and extensive high-end updates throughout. This beautifully remodeled 4BR/3.5BA residence features an impressive entry with a custom fixture and curved wood staircase, floor-to-ceiling picture windows, travertine and hardwood flooring, and a custom rock fireplace. The open-concept layout offers two living areas and two dining

    Jency Carson Fore Premier Properties

    418 Coronado Dr N, Kerrville, TX 78028
  • /35

    $749,000

    • 3 Beds
    • 3.5 Baths
    • 3,463 Sq Ft

    315 Lakewood Dr, Kerrville, TX 78028

    This exceptional one-level home showcases fantastic views of the prestigious Riverhill Country Club, available with membership, and offers three bedrooms with three-and-a-half baths, including two primary suites with en-suite bathrooms. The chef's kitchen features premium appliances and elegant finishes, perfect for entertaining. The main primary bath is a true retreat with a steam shower and

    Mark Eisenman RE/MAX Kerrville

    315 Lakewood Dr, Kerrville, TX 78028
  • /20

    $399,000

    • 2 Beds
    • 2 Baths
    • 996 Sq Ft

    819 & 821 Clay St, Kerrville, TX 78028

    Sitting on two (2) adjacent lots totaling 0.769 ac (0.3553 ac for the house & 0.4137 for the adjacent vacant lot), this charming cottage sits just 1 block west of Sidney Baker St. and would make the perfect starter home, small business office, or rental property. Built in 1961 with 996 SqFt of living space, the house has 2 bedrooms, 2 full bathrooms, a single car garage, and a carport. The lots

    Jeremy Lacy Anders Realty - Fredericksburg

    819 & 821 Clay St, Kerrville, TX 78028
  • /32

    $310,000

    • 4 Beds
    • 2 Baths
    • 1,740 Sq Ft

    230 Teague Rd, Kerrville, TX 78028

    Escape to Serenity: 10-Acre Private Haven, unwind in peace & quiet, blending rustic charm and self-sufficient living. Remote electric gate and perimeter fencing, a cool spring feeds a gentle creek. Rolling meadows, mature trees, and undulating terrain feel expansive-perfect for gardening, grazing, or relaxation. Enter cozy comfort in this 2-story site-built home: 4 bedrooms, 2 bathrooms, metal

    Chris Griffin America Homes and Ranches

    230 Teague Rd, Kerrville, TX 78028
  • /35

    $539,000

    • 3 Beds
    • 2 Baths
    • 2,077 Sq Ft

    2007 Valencia Dr N, Kerrville, TX 78028

    Impeccably maintained single story home in the desirable Meridian Subdivision. Beautiful corner lot with side entrance Garage accommodates most pickup trucks ,custom cabinetry thru out, electric fireplace and mounted TV in bedroom, exercise room included with purchase. Also included with sale will be two beautiful Lyman Whitaker wind sculptures in the back yard. Motorized shades in LR and Primary

    Christopher Havens Kuper Sotheby's Int'l Realty

    2007 Valencia Dr N, Kerrville, TX 78028
  • /32

    $304,249

    New Construction $23K PRICE DROP
    • 4 Beds
    • 2 Baths
    • 1,897 Sq Ft

    1107 Leicht Dr, Kerrville, TX 78028

    The Mayer - The first floor of this two-story home shares an open layout between the kitchen, dining area and family room for easy entertaining during special gatherings. An owner's suite is just off the shared living space and features an en-suite bathroom and walk-in closet. Upstairs are three secondary bedrooms as well as a versatile bonus room. Estimated Completion October 2026. The

    Christopher Marti Keller Williams City-View

    1107 Leicht Dr, Kerrville, TX 78028
  • /50

    $459,000

    • 3 Beds
    • 2 Baths
    • 1,855 Sq Ft

    1233 Hilltop Rd, Kerrville, TX 78028

    Charming single-story brick home built in 2006, offering 1,855 square feet with 3 bedrooms and 2 baths on a 0.26-acre lot and attached 2 car garage. A stone-accented arched entry and covered front porch welcomes you into a bright, vaulted living room with plank flooring, a brick fireplace, and plantation shutters throughout. Home offers an open, split floor plan. The kitchen features granite

    Jaylynn Perkins REALTY EXECUTIVES Kerrville

    1233 Hilltop Rd, Kerrville, TX 78028
  • /50

    $1,100,000

    • 3 Beds
    • 5 Baths
    • 3,815 Sq Ft

    3919 Kite Dr, Kerrville, TX 78028

    One of Comanche Trace's premier estate properties, it offers a rare combination of elevated panoramic views, exceptional privacy, and an ideal floor plan for entertaining. Designed for both everyday living and entertaining, it features soaring ceilings, a formal dining room, gourmet kitchen, spacious living areas, and a private office with custom built-ins. The luxurious primary suite offers

    Amber Carpenter CENTURY 21 The Hills Realty

    3919 Kite Dr, Kerrville, TX 78028
  • /54

    $489,000

    • 3 Beds
    • 2 Baths
    • 2,088 Sq Ft

    2140 Summit Crest Dr, Kerrville, TX 78028

    Welcome home to this beautifully maintained 3-bedroom, 2-bath residence offering the perfect blend of comfort, space, and scenery. Easy living with attractive xeriscaping in front and no lawn to mow in back. Designed with both everyday living and entertaining in mind, this spacious home features an open and inviting floor plan filled with natural light. The generously sized living areas flow

    Andrea ONeal Fore Premier Properties

    2140 Summit Crest Dr, Kerrville, TX 78028
  • /30

    $280,249

    New Construction $23K PRICE DROP
    • 4 Beds
    • 2 Baths
    • 1,483 Sq Ft

    1105 Leicht Dr, Kerrville, TX 78245

    The Hoffman - This single-level home showcases a spacious open floorplan shared between the kitchen, dining area and family room for easy entertaining. An owner's suite enjoys a private location at the front of the home, complemented by an en-suite bathroom and walk-in closet. There are three secondary bedrooms just off the main living areas. Estimated Completion October 2026. The completion

    Christopher Marti Keller Williams City-View

    1105 Leicht Dr, Kerrville, TX 78245
  • /8

    $165,000

    • Land
    • 3.3 Acres
    • $50,000 per Acre

    3510 Medina Hwy Unit 1, Kerrville, TX 78028

    Unlock the potential of this scenic 3.30-acre tract located outside city limits with highway frontage and Hill Country views. Enjoy the flexibility of country living with fewer restrictions, while still benefiting from proximity to town amenities. The property offers ample space for a custom home, weekend residence, or private retreat. Central water is available at the street and ready for

    Daniel Edelstein Fore Premier Properties

    3510 Medina Hwy Unit 1, Kerrville, TX 78028
  • /9

    $299,000

    • Land
    • 16,117 Sq Ft
    • $808,108 per Acre

    1812 Water St Unit 5-6 PTS, Kerrville, TX 78028

    An exceptional opportunity to own a high-visibility, high-traffic commercial lot in a thriving business district. This 0.37-acre property, zoned C2, offers incredible potential for retail, restaurants, office space, or service-based businesses (salons, medical offices, etc.). Located next to a busy mini-mart, it benefits from steady foot and vehicle traffic, ensuring maximum exposure. Its

    Daniel Edelstein Fore Premier Properties

    1812 Water St Unit 5-6 PTS, Kerrville, TX 78028
  • /8

    $165,000

    • Land
    • 3.3 Acres
    • $50,000 per Acre

    3510 Medina Hwy, Kerrville, TX 78028

    Unlock the potential of this scenic 3.30-acre tract located outside city limits with highway frontage and Hill Country views. Enjoy the flexibility of country living with fewer restrictions, while still benefiting from proximity to town amenities. The property offers ample space for a custom home, weekend residence, or private retreat. Central water is available at the street and ready for

    Laura Fore Fore Premier Properties

    3510 Medina Hwy, Kerrville, TX 78028
  • /39

    $895,000

    • 3 Beds
    • 3 Baths
    • 2,328 Sq Ft

    118 Re Ranch Rd, Kerrville, TX 78028

    Discover the best of Texas Hill Country living on this exceptional 20-acre Ag-exempt property offering privacy, panoramic views, and endless possibilities. Whether you're seeking a full-time home, weekend retreat, horse property, or hobby ranch, this versatile acreage is ready for your vision. The move-in-ready home features 2 bedrooms and 2 bathrooms, with a charming breezeway connecting the

    Rebecca McFadden RE/MAX Kerrville

    118 Re Ranch Rd, Kerrville, TX 78028
  • /25

    $424,990

    New Construction $7K PRICE DROP
    • 5 Beds
    • 4 Baths
    • 2,763 Sq Ft

    1624 Cydney Ln, Kerrville, TX 78028

    NEW CONSTRUCTION: Anna Town Square in Anna. two-story Sweetwater plan. Available September 2026 move-in. 5BR, 4BA + Sleek LVP Flooring throughout + Roomy kitchen designed for functionality and comfort, with plenty of workspace + Onsite elementary and middle schools + No MUD or PID - 2,763 sq.ft. Open concept layout with a spacious owner's suite and one secondary bedroom downstairs. This home is

    Bill Roberds William Roberds

    1624 Cydney Ln, Kerrville, TX 78028
  • /25

    $179,000

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

    165 Scenic Valley Rd Unit 85, Kerrville, TX 78028

    Discover comfort and tranquility in this fully remodeled home located in Scenic Valley, a quiet and welcoming 55+ community known for its Hill Country charm, stunning views, and friendly neighborhood feel. This home offers an open, generous living area with a dedicated dining space, a modernized kitchen, and an impressive oversized walk-in shower. The spacious primary bedroom provides a peaceful

    Kimberly Spears Home in The Hills Realty

    165 Scenic Valley Rd Unit 85, Kerrville, TX 78028
  • /28

    $199,900

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

    805 Loop 534 Loop Unit 139, Kerrville, TX 78028

    Stunning condo in the prestigious Quinlan Crossing community, showcasing elegant Hill Country stone exteriors. Heavily Updated in May 2026 with NEW HVAC, NEW APPLIANCES and more! A beautiful updated condo! It's spacious master suite features a generous bedroom, nice bathroom, and a large walk-in closet. A versatile loft space, perfect for an extra bedroom or office, The modern kitchen boasts

    Chris Griffin America Homes and Ranches

    805 Loop 534 Loop Unit 139, Kerrville, TX 78028
  • /44

    $369,000

    • 3 Beds
    • 2 Baths
    • 1,178 Sq Ft

    140 Teague Rd, Kerrville, TX 78028

    Your Hill Country Haven is calling-just a short 15-minute drive from Kerrville's vibrant core, yet far enough for serene peace and quiet in the Hill Country. Nestled in the coveted Upper Turtle Creek area, this stunning 3-bedroom, 2-bathroom retreat sprawls across 9.93 acres of picturesque countryside. Perched atop a gently rolling hill to take in breathtaking panoramic views, perfect for

    Chris Griffin America Homes and Ranches

    140 Teague Rd, Kerrville, TX 78028
  • /13

    $57,000

    $3K PRICE DROP
    • 3 Beds
    • 2 Baths
    • 1,120 Sq Ft

    1322 Ranchero Rd Unit 22, Kerrville, TX 78028

    Come bring your children and make this community home. It has been just reduced so the price is attractive and affordable! Very private neighborhood. Live in the city of Kerrville but yet, not in the city! Very nice 3 bedroom/2 bath home. Close to grocery stores, shopping, and multiple restaurants. Backyard is fenced and there are places for gardening. Home does need some updating so seller is

    Valarie Tarkenton-Moore Proven Realty

    1322 Ranchero Rd Unit 22, Kerrville, TX 78028

Showing Results 81 - 120, Page 3 of 18

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