1,271

Knoxville, TN Homes for Sale under $600,000

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  • /56

    $475,000

    $58K PRICE DROP
    • 4 Beds
    • 2.5 Baths
    • 2,667 Sq Ft

    4209 Doris Cir, Knoxville, TN 37918

    Two-Family Home Dream! Rare opportunity to own over an acre in the established Springvale subdivision of Halls! This classic 4-bedroom, 2.5-bath basement ranch sits on a sprawling 1.13-acre lot, offering the perfect blend of suburban convenience and massive outdoor potential. An interior staircase with landing connects the 2 levels to serve as a traditional 1-family home; with doors to separate

    Marie Parrish RE/Max First

    4209 Doris Cir, Knoxville, TN 37918
  • /51

    $359,900

    $15K PRICE DROP
    • 2 Beds
    • 2.5 Baths
    • 1,519 Sq Ft

    1307 Covington Dr Unit 1, Knoxville, TN 37919

    BACK ON MARKET WITH NO FAULT TO SELLER! This updated 2-bed, 2.5-bath Rocky Hill condo is an ideal setup for the upcoming school year! Located just 6.5 miles from the University of Tennessee (approx. 14 minutes by car) and 9 miles from downtown, it offers a peaceful retreat that is still highly convenient for campus and city life! Location is everything, and this beautifully updated West Knoxville

    Chelsea Ayers United Real Estate Solutions

    1307 Covington Dr Unit 1, Knoxville, TN 37919
  • /43

    $499,000

    • 4 Beds
    • 4 Baths
    • 1,510 Sq Ft

    3708 Spruce Ridge Way Unit 2102, Knoxville, TN 37920

    Attention UT Students and Investors. This 4 beds and 4-full private baths condominium presents a great opportunity to add to your portfolio. Two bedrooms are currently rented for $690 each per month, and one bedroom is rented for $720 per month; the other bedroom could be rented for $720 per month to make the rental amount $2,820/month, or you can live there as a primary home. NEW HVAC in 2024,

    Ha Nguyen United Real Estate Solutions

    3708 Spruce Ridge Way Unit 2102, Knoxville, TN 37920
  • /14

    $325,000

    • 3 Beds
    • 2 Baths
    • 1,514 Sq Ft

    2001 Hyde Park Ln, Knoxville, TN 37921

    Welcome to 2001 Hyde Park Lane! This freshly painted Knoxville home offers four bedrooms, 1.5 baths, and versatile living space, including a converted garage currently used as the fourth bedroom. Major updates include a roof replaced approximately 5–6 years ago with no known leaks and an HVAC system replaced approximately four years ago. The kitchen features wood-look flooring and laminate

    Angela Fowler Angela Fowler Real Estate, LLC

    2001 Hyde Park Ln, Knoxville, TN 37921
  • /35

    $489,900

    • 3 Beds
    • 2.5 Baths
    • 2,262 Sq Ft

    5669 Eagle Crest Ln, Knoxville, TN 37921

    Heart of AMHERST in Seven Springs! Centrally located with quick access to much of Knoxville! Brick front, 3 CAR side garage with NEW garage doors (2025), spring on 2 car door, (2024), wall mounted openers. (2024). 3 Bedrooms + BONUS/additional bed/play/rec room (with attic storage), + office (main level), 2.5 bathrooms, new toilets in half bath and hall bath in 2025 and new sink in 1/2 bath

    Holly Patterson Holly Patterson Real Estate

    5669 Eagle Crest Ln, Knoxville, TN 37921
  • /47

    $319,900

    • 3 Beds
    • 2 Baths
    • 1,424 Sq Ft

    1719 Woodhaven Dr, Knoxville, TN 37914

    Welcome home to 1719 Woodhaven- this beautifully refreshed 3-bedroom, 2-bath home that's move-in ready! Featuring fresh updates throughout, including new flooring, modern light fixtures, updated windows, and fresh paint, this home offers a clean, inviting feel from the moment you step inside. Designed with both comfort and functionality in mind, the home features a formal living room that's

    Jacob Williams Realty Executives Associates

    1719 Woodhaven Dr, Knoxville, TN 37914
  • /26

    $391,990

    New Construction
    • 4 Beds
    • 3.5 Baths
    • 3,110 Sq Ft

    Richland Plan at The Ridge at Neals Landing, Knoxville, TN 37924

    The Richland model is an exquisite and spacious floor plan available at The Ridge at Neals Landing in Knoxville. The main level features an expansive open plan living, dining, and kitchen area. The kitchen has an eat-in design, equipped with a pantry and a countertop seating island. The space overlooks a patio, making it an ideal home for hosting guests. Additionally, the main level has a powder

    D.R. Horton Builder
    203 Eclipse Ln Unit 36207868, Knoxville, TN 37924
  • /52

    $499,900

    $50K PRICE DROP
    • 5 Beds
    • 3 Baths
    • 1,859 Sq Ft

    Unlisted Address

    Discover an incredible investment and lifestyle opportunity with two charming homes for the price of one in the rapidly growing South Knoxville area! Situated on 2.8 scenic acres, this unique property offers versatility, character, and proven income potential.The main home features 3 bedrooms and 2 full baths, blending timeless charm with modern updates. You'll love the original hardwood

    Trudi Johnson Realty Executives Associates

    Unlisted Address
  • /2

    $305,000

    Coming Soon
    • 2 Beds
    • 1 Bath
    • 738 Sq Ft

    2724 E Magnolia Ave Unit 203, Knoxville, TN 37914

    Park City Village - Historic Charm, Modern Living PRE SALEWelcome to Park City Village, a beautifully reimagined condo development located just a short drive from downtown Knoxville. Set in a thoughtfully restored historic building, these condos blend vintage character with top-tier modern upgrades perfect for anyone looking to buy a piece of downtown. Park City Village Condo Approx. sizes

    2724 E Magnolia Ave Unit 203, Knoxville, TN 37914
  • /47

    $575,000

    • 4 Beds
    • 2 Baths
    • 2,361 Sq Ft

    236 Hillcrest Dr, Knoxville, TN 37918

    Fountain City Presents This Tradiitional Timeless Beauty that will make you say WOW! Step into this amazing Vestibule with original Hardwoods & millwork that leads to living room with new gas fireplace(vented) with mantle for Christmas stockings and warming on cool days, 4 BRS with primary on main, 2Baths,freshly painted interior ,new carpet upstairs, new kitchen sink ,faucet and quartz

    Betty Cooper Realty Executives Associates

    236 Hillcrest Dr, Knoxville, TN 37918
  • /10

    $422,150

    New Construction
    • 3 Beds
    • 2.5 Baths
    • 2,157 Sq Ft

    3325 Mountain Aster Dr, Knoxville, TN 37924

    Welcome to the Hanover A, a beautifully designed 2-story new construction home offering 2,157 sq. ft., 3 bedrooms, and 2.5 baths. This thoughtfully designed floor plan offers the convenience of a main-level owner's suite while providing excellent separation and privacy for the additional bedrooms upstairs.The main level features a welcoming side-entry foyer, spacious dining and gathering

    Gabriel Waller CBH Legacy Realty

    3325 Mountain Aster Dr, Knoxville, TN 37924
  • /38

    $362,365

    New Construction
    • 4 Beds
    • 2.5 Baths
    • 1,927 Sq Ft

    4276 Juliette Elise St, Knoxville, TN 37920

    Welcome to 4276 Juliette Elise Street at Price's Point in South Knoxville, TN. The exterior of the home features a steel blue color palette with gray ledge stone accents. Inside, white cabinetry, beige granite countertops, and stainless steel appliances provide a polished, modern finish. This thoughtfully designed two-story home offers 1,927 square feet of modern living space with 4 bedrooms and

    D.R. Horton Builder
    4276 Juliette Elise St, Knoxville, TN 37920
  • /27

    $350,000

    $25K PRICE DROP
    • 5 Beds
    • 2 Baths
    • 1,528 Sq Ft

    7536 Inverrary Cir, Knoxville, TN 37918

    Motivated Seller!!NEW PAINT!!Cabinets & Master painted! 6/23If you're looking for a reasonably priced 5 bed room home, look no further. New items done in 2023: vinyl siding, new roof, new fascia, new gutters, new deck surface, door hardware, luxury plank vinyl throughout the main level and stairways, garage door and opener, range and microwave, and dish washer. This home

    Michael Boyle Realty Executives Associates

    7536 Inverrary Cir, Knoxville, TN 37918
  • /18

    $306,000

    New Construction Open Thu 1PM - 5PM
    • 3 Beds
    • 2.5 Baths
    • 1,471 Sq Ft

    8743 Chapman Trace Way, Knoxville, TN 37920

    5.49% FIXED RATE! Qualified buyers may be eligible for a 5.49% permanent fixed rate on select move-in ready homes. Available for a limited time on new loans through qualified lender. Must close by November 1, 2026. Buyers must qualify. Contact the Community Sales Manager for eligible homes, financing options, terms and restrictions.Move-in ready and designed for modern living, this

    Heidi McBride Woody Creek Realty, LLC

    8743 Chapman Trace Way, Knoxville, TN 37920
  • /20

    $339,000

    • 2 Beds
    • 2.5 Baths
    • 1,832 Sq Ft

    8833 Ashton Ct, Knoxville, TN 37923

    Welcome to 8833 Ashton Ct, a beautifully maintained and inviting townhome in a convenient West Knoxville location. Thoughtfully designed for comfortable living, this spacious 2-bedroom, 2.5-bath home features a thoughtful array of recent updates and improvements.The main level offers a bright and welcoming living space with a cozy fireplace in addition to seasonal views of the smoky

    Brooke Davidson, Dill Keller Williams Signature

    8833 Ashton Ct, Knoxville, TN 37923
  • /14

    $385,000

    • 3 Beds
    • 2 Baths
    • 2,094 Sq Ft

    3638 Topside Rd Unit B, Knoxville, TN 37920

    This thoughtfully updated, contemporary three bedroom, two full bath condo is tucked within a quaint community of only four units. Designed for comfortable and flexible living, the home features a large kitchen, inviting living areas, and cozy outdoor spaces ideal for relaxing or entertaining. Two bedrooms and both full bathrooms are conveniently located on the main level, offering the ease of

    Jennifer Cook Keller Williams Signature

    3638 Topside Rd Unit B, Knoxville, TN 37920
  • /27

    $344,250

    $11K PRICE DROP
    • 3 Beds
    • 2 Baths
    • 1,527 Sq Ft

    5504 Chapman Hwy, Knoxville, TN 37920

    Ranch style property offers comfortable and modern living space. Home has new white wood kitchen cabinets, quartz counter tops, newer stainless steel appliances, plus eat in nook area. The large family room, has a lot of natural lighting from its large front window, which all the windows have been updated. Home offers 3 bedrooms and 2 full bathrooms. Home has hardwood flooring in most areas,

    Ron Pilgrim CENTURY 21 Legacy

    5504 Chapman Hwy, Knoxville, TN 37920
  • /7

    $304,900

    New Construction Open Sat 1PM - 5PM $5K PRICE INCREASE
    • 3 Beds
    • 2.5 Baths
    • 1,644 Sq Ft

    8948 Keenberg Ln, Knoxville, TN 37931

    Enjoy the privacy and separation of townhome living at Emory Green Townhomes. These newly constructed spacious three bedroom townhomes with one car garage offer all the conveniences and privacy of two-story living. Homes feature open living areas, upscale kitchens, and outdoor living. Emory Green Townhomes combines the best of home ownership and low maintenance living, with exterior maintenance

    Maurice Natour Realty Executives Associates

    8948 Keenberg Ln, Knoxville, TN 37931
  • /13

    $394,700

    $13K PRICE DROP Coming Soon
    • 1 Bed
    • 1 Bath
    • 741 Sq Ft

    222 N Central St Unit B6, Knoxville, TN 37917

    Discover an exceptional opportunity to own in the iconic White Lily Flats--one of downtown Knoxville's most character-filled historic buildings. Located in the heart of the vibrant Old City, this thoughtfully restored studio blends historic charm with modern style and offers an ideal entry point into downtown living or investment ownership.Just steps from the future Smokies Stadium and

    222 N Central St Unit B6, Knoxville, TN 37917
  • /31

    $324,900

    New Construction
    • 1 Bed
    • 1.5 Baths
    • 1,128 Sq Ft

    1602 N Central St Unit 104, Knoxville, TN 37917

    Only one homes with this floor plan left! End unit. Brand new home in Happy Holler! Financing specials available for qualified buyers, including rate buy-downs, 100% financing, and first-time homebuyer incentives.This floor plan features one bedroom and a full bathroom, along with a powder room on the first level. You'll love the flex space on the third level, perfect for additional

    Thomas Connolly Uptown Firm, LLC

    1602 N Central St Unit 104, Knoxville, TN 37917
  • /2

    $329,900

    $15K PRICE DROP
    • 3 Beds
    • 2.5 Baths
    • 1,645 Sq Ft

    3130 Caroline Grace St, Knoxville, TN 37920

    Make yourself at home at 3130 Caroline Grace Street, part of our Price's Point community in South Knoxville, TN. The exterior of the home features a gray color palette. Inside, white cabinetry, gray granite countertops, and stainless steel appliances provide a polished, modern finish. This two-story home offers 1,645 square feet of well-designed living space with 3 bedrooms and 2.5 bathrooms,

    Trudy Smith D.R. Horton

    3130 Caroline Grace St, Knoxville, TN 37920
  • /32

    $304,900

    $20K PRICE DROP
    • 2 Beds
    • 1.5 Baths
    • 1,024 Sq Ft

    4821 Minglewood Rd, Knoxville, TN 37918

    Welcome to 4821 Minglewood Road--a delightful Fountain City home offering comfort, convenience, and plenty of outdoor space. Situated on a spacious, level lot with a fully fenced yard, this property is perfect for relaxing or entertaining.Inside, you'll find two generously sized bedrooms and 1.5 updated bathrooms, along with durable LVP flooring throughout the main level. The kitchen

    Sarah Monsarrat Little River Realty

    4821 Minglewood Rd, Knoxville, TN 37918
  • /32

    $514,900

    $10K PRICE DROP
    • 4 Beds
    • 3 Baths
    • 2,681 Sq Ft

    2942 Spencer Ridge Ln, Knoxville, TN 37931

    Hardin Valley living at it's finest! Beautifully kept, recently built home with great upgrades including hardwoods throughoutliving area. This 4 bedroom home offers space for everyone, plus a very large bonus room on second floor. One bedroom andfull bath on main level, also making for a great home office. Large eat-in kitchen with gas range, pantry, and granitecountertops. Low HOA

    Hannah Wey Wallace

    2942 Spencer Ridge Ln, Knoxville, TN 37931
  • /23

    $525,000

    • 3 Beds
    • 2.5 Baths
    • 2,609 Sq Ft

    920 Westcourt Dr, Knoxville, TN 37919

    Beautiful private townhome in a gated community! Ideally located in the heart of West Knoxville, Westland Court offers convenience to shopping, dining, and nearby Lakeshore Park. This well-maintained community features beautiful landscaping, a private pool, and a charming courtyard that creates a welcoming atmosphere.Inside, this two-story townhome offers a covered front entry and a spacious

    Robert Threlkeld Wallace

    920 Westcourt Dr, Knoxville, TN 37919
  • /26

    $375,000

    $50K PRICE DROP
    • 4 Beds
    • 2.5 Baths
    • 2,291 Sq Ft

    8002 Cambridge Reserve Dr, Knoxville, TN 37924

    PRICE IMPROVEMENT!! Master on main!! Welcome to 8002 Cambridge Reserve dr. located in the desirable Ely Park community! This charming traditional two-story home offers 4 bedrooms with primary on main (or 3 with a large bonus), office area, and 2.5 baths in a quiet, rural, family-friendly neighborhood. Situated on a spacious corner lot, the property features a two-car garage and plenty of outdoor

    Angie Merrick Realty Executives Associates

    8002 Cambridge Reserve Dr, Knoxville, TN 37924
  • /29

    $399,900

    • 3 Beds
    • 2 Baths
    • 1,852 Sq Ft

    4852 Stoneyhurst Ln, Knoxville, TN 37918

    Welcome to 4852 Stoneyhurst Lane, located in The Meadows at Shannon Valley Farms! This meticulously maintained single level plus bonus spans over 1,800 square feet. Nestled in one of Knoxville's beloved neighborhoods, this home is conveniently located. With its 3-bedroom, 2 bath, 2-car garage, and functional floor plan this property is the perfect place to call home. Owner/Agent

    Bridgette Williams McDonald Realty, LLC

    4852 Stoneyhurst Ln, Knoxville, TN 37918
  • /30

    $330,000

    $5K PRICE DROP
    • 4 Beds
    • 2 Baths
    • 1,570 Sq Ft

    6019 Cougar Dr, Knoxville, TN 37921

    Located in the heart of West Knoxville, this home offers a fantastic location with easy access to shopping, dining, parks, and everyday conveniences. The spacious interior is filled with natural light, creating a warm and inviting atmosphere throughout. Step outside to enjoy a wonderful back deck overlooking the large, level backyard--perfect for entertaining, relaxing, or enjoying the outdoors.

    Michelle Garner Braden Greater Impact Realty

    6019 Cougar Dr, Knoxville, TN 37921
  • /51

    $479,900

    New Construction
    • 3 Beds
    • 2.5 Baths
    • 2,105 Sq Ft

    4916 Skyview Dr, Knoxville, TN 37917

    Welcome to 4916 Skyview Dr -- a stunning two-story modern new-construction home that perfectly blends style, comfort, and functionality in a highly convenient Knoxville location. This house provides the closest and easiest access Knoxville has to offer to Sevierville, Gatlinburg, and the Great Smoky Mountains, while remaining just minutes from downtown and everyday essentials.Enjoy quick

    Maria Chuprinov ReMax Preferred Properties, In

    4916 Skyview Dr, Knoxville, TN 37917
  • /46

    $367,500

    $39K PRICE DROP
    • 3 Beds
    • 3 Baths
    • 1,369 Sq Ft

    3831 Cherokee Woods Way, Knoxville, TN 37920

    MOVE-IN READY, 3-bedroom, 3-private-bathroom condo at The Woodlands. This freshly painted and professionally cleaned unit features oversized windows, walk-in closets, and premium carpeting. The open floor concept is enhanced by new luxury vinyl plank flooring in the living room, making it ideal for both private study and entertaining. The condo includes a dedicated laundry room with a full-size

    Angie Mullins CENTURY 21 Legacy

    3831 Cherokee Woods Way, Knoxville, TN 37920
  • /22

    $449,900

    $49K PRICE DROP
    • 4 Beds
    • 2 Baths
    • 1,707 Sq Ft

    1009 Bardill Ln, Knoxville, TN 37919

    Welcome to 1009 Bardill Lane, a beautifully maintained 4-bedroom, 2-bathroom mid-century ranch nestled in the highly sought-after Rocky Hill community of close-in West Knoxville. Combining timeless character with thoughtful updates, this inviting home offers comfortable one-level living in an established neighborhood within walking distance of Rocky Hill Elementary School, Rocky Hill Shopping

    Doug Ewell eXp Realty, LLC

    1009 Bardill Ln, Knoxville, TN 37919
  • /50

    $469,900

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

    1145 Snyder Ridge Ln, Knoxville, TN 37932

    Take a look at this nicely updated two-story house in the Synder Ridge subdivision right in the heart of West Knoxville. This house has four bedrooms, two and a half bathrooms, and a large bonus room. The house has been completely remodeled with new quartz countertops in the kitchen and bathrooms, warm beige painted cabinets and vanities, modern hardware, new kitchen, foyer, and dining room

    Justin Treadwell The Real Estate Firm, Inc.

    1145 Snyder Ridge Ln, Knoxville, TN 37932
  • /40

    $400,000

    $25K PRICE DROP
    • 3 Beds
    • 2 Baths
    • 1,488 Sq Ft

    6828 Amberfield Ln, Knoxville, TN 37918

    Buy This Home, We'll Buy Yours -- and you may not need a down payment. Special financing available, including rate buydowns and zero-down programs, for those who qualify. Up to 1% of the purchase price is available toward a rate buydown to lower your monthly payment. --------------- This is a Certified Pre-Owned Home -- and that changes everything. A CPO home comes with a 12-month Home Warranty

    Tannor Giles Your Home Sold Guaranteed Realty TN

    6828 Amberfield Ln, Knoxville, TN 37918
  • /34

    $320,000

    • 2 Beds
    • 2 Baths
    • 1,247 Sq Ft

    1729 Delmonte Way, Knoxville, TN 37932

    This charming Devanshire home offers a comfortable layout and low-maintenance living in West Knoxville. The covered front porch welcomes you into a cozy living room with access to the back deck. The eat-in galley-style kitchen is practical and easy for everyday living. Upstairs, the spacious primary bedroom features a walk-in closet and attached bath. The main-level bedroom offers great

    Heather Skender-Newton Skender-Newton Realty

    1729 Delmonte Way, Knoxville, TN 37932
  • /44

    $485,000

    • 1 Bed
    • 1 Bath
    • 762 Sq Ft

    333 W Depot Ave Unit 414, Knoxville, TN 37917

    Discover an exceptional Downtown lifestyle with unmatched convenience at Regas Square, a premier mid-rise community in one of Knoxville's most vibrant neighborhoods. Ideally located just blocks from the acclaimed restaurants, cafés, galleries, and entertainment venues of the Old City, Gay Street's Theater District, the bustling 100 Block, Market Square, and Downtown North, this prime location is

    Kimberly Dixon-Hamilton Downtown Realty, Inc.

    333 W Depot Ave Unit 414, Knoxville, TN 37917
  • /25

    $346,220

    New Construction
    • 3 Beds
    • 2.5 Baths
    • 1,634 Sq Ft

    6836 Prospect Hill Ln, Knoxville, TN 37918

    Step inside 6836 Prospect Hill Lane at Belhaven, located in Knoxville, TN. The exterior of the home features a gray color palette with gray ledge stone accents. Inside, white cabinetry, beige granite countertops, and stainless steel appliances provide a polished, modern finish. This inviting two-story home offers 3 bedrooms, 2.5 bathrooms, and a thoughtfully designed layout that perfectly

    D.R. Horton Builder
    6836 Prospect Hill Ln, Knoxville, TN 37918
  • /55

    $559,900

    $30K PRICE INCREASE
    • 4 Beds
    • 2.5 Baths
    • 2,923 Sq Ft

    5401 Summitridge Ln, Knoxville, TN 37921

    Nearly 3,000 square feet. A three car garage. A finished walk out basement. A private cul de sac setting overlooking HOA greenspace.5401 Summitridge Lane brings together the features buyers often have to compromise on, all in one home.Located in Seven Springs, this four bedroom home offers three distinct levels of usable living space with the flexibility to adapt as your needs change.

    Aimee Lucas ReMax Preferred Properties, In

    5401 Summitridge Ln, Knoxville, TN 37921
  • /38

    $460,000

    $20K PRICE DROP
    • 5 Beds
    • 3 Baths
    • 2,346 Sq Ft

    1819 Northwood Dr, Knoxville, TN 37923

    Discover the flexibility and space this beautifully updated 5-bedroom, 3-bath split-foyer home has to offer. Filled with an abundance of natural light, the inviting interior features beautiful flooring throughout, fresh paint, and thoughtfully designed built-ins that add both character and functionality.The main living areas flow seamlessly, while the updated kitchen showcases new

    Kathy Pryputniewicz Redfin

    1819 Northwood Dr, Knoxville, TN 37923
  • /8

    $369,000

    New Construction
    • 3 Beds
    • 2.5 Baths
    • 1,504 Sq Ft

    7545 Ridge Hollow Way, Knoxville, TN 37924

    YOU make the selections !!! Builder is stopping interior at Primed Drywall . So YOU PICK colors, trims ,cabinets ,tops floors, faucets, and more. GET IT THE WAY YOU WANT IT. Luxury and Affordability meet at BRAKEBILL RIDGE. These Homes offer as STANDARD ; Main floor Master Suites with walk-in Closet and Full bath with step-in Shower and Comfort height toilets with Soft close seats. Kemper

    Lesa Underwood Southern Homes & Farms, LLC

    7545 Ridge Hollow Way, Knoxville, TN 37924
  • /22

    $314,900

    • 3 Beds
    • 2.5 Baths
    • 1,680 Sq Ft

    7914 Gleason Dr Unit 1154, Knoxville, TN 37919

    This well maintained two story condo is 3 beds, 2 1/2 bath. It is located in the center of west Knoxville with easy access to the interstate and just minutes from The University of Tennessee and The West Town Mall. This condo is move in ready and comes with a 2 car carport and extra storage on each side. Has a private fenced in courtyard, hardwood floors throughout the main level and granite

    Eddie Necessary United Real Estate Solutions

    7914 Gleason Dr Unit 1154, Knoxville, TN 37919

Showing Results 521 - 560, Page 14 of 18

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