1,795

Homes for Sale in 78640

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  • /25

    $255,249

    New Construction
    • 4 Beds
    • 2.5 Baths
    • 1,897 Sq Ft

    Mayer Plan at Pradera - Belmar Collection, Uhland, TX 78640

    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, perfect for residents and overnight guests, as well as a versatile bonus room.

    Lennar Builder
    131 Mottled Ct Unit 40680322, Uhland, TX 78640
  • /25

    $346,999

    New Construction
    • 4 Beds
    • 3 Baths
    • 2,368 Sq Ft

    Santana Plan at Waterstone - Classic Collection, Kyle, TX 78640

    This new single-story home offers a modern and low-maintenance design. Three secondary bedrooms are located near the front of the home near an inviting and spacious open-concept layout that blends the kitchen, living and dining areas. A nearby covered patio provides year-round outdoor entertaining. A convenient flex space is tucked away to the side of the home, while a luxurious owner’s suite

    Lennar Builder
    314 Avre Loop Unit 40680333, Kyle, TX 78640
  • /32

    $270,000

    • 3 Beds
    • 2 Baths
    • 1,311 Sq Ft

    161 Collared Dove Cove, Kyle, TX 78640

    The interior is as cottageesque as the exterior. Darker flooring and cabinets have all been very well maintained. The LivingRoom and Kitchen are open and separated by a kitchen bar. Bay window in the dining area is a terrific cozy touch! Black appliances are classy, along with the warm tone cabinets. The primary bedroom is at the rear of the home. This home has original equipment that was lightly

    Carol Whisenant On Centre Street Realty

    161 Collared Dove Cove, Kyle, TX 78640
  • /10

    $139,000

    • Land
    • 16,247 Sq Ft
    • $372,654 per Acre

    1120 Rustler Pass, Niederwald, TX 78640

    Owner financing available! Build your dream home or place your manufactured/mobile home on this cleared 0.373-acre lot in the heart of growing Kyle, TX. Conveniently located near Hwy 21 and less than 10 minutes from SH-130, this property offers easy access to Austin, Buda, Lockhart, and surrounding areas — with Austin less than 30 minutes away.Utilities including electric, water, and sewer

    Claudia Farfan Sanchez Land Unlimited

    1120 Rustler Pass, Niederwald, TX 78640
  • /18

    $200,000

    $45K PRICE INCREASE
    • 3 Beds
    • 2 Baths
    • 1,064 Sq Ft

    112 Cresthill Causeway, Kyle, TX 78640

    Located in the Green Pastures subdivision sits this 3 bedroom, 2 bath home with 1064 square feet of living space on nearly half acre. Surrounded by mature trees and offering a gated driveway, this home is being sold as is and it has an open concept layout that was thoughtfully designed with the primary bedroom separate from the secondary bedrooms. The private primary suite features a walk-in

    Katie Molina Monica & Company Real Estate

    112 Cresthill Causeway, Kyle, TX 78640
  • /34

    $260,000

    $9K PRICE DROP
    • 3 Beds
    • 2 Baths
    • 1,616 Sq Ft

    293 Donatello, Kyle, TX 78640

    Welcome home to this beautifully updated and meticulously maintained property that perfectly blends comfort, style, and functionality! From the moment you step inside, you’ll appreciate the bright and inviting spaces, soaring ceilings, and thoughtful upgrades throughout. The fully updated primary bathroom feels like a private spa retreat with modern finishes, dual vanities, and a stunning walk-in

    Chelsea Roberts Coldwell Banker D'Ann Harper,

    293 Donatello, Kyle, TX 78640
  • /30

    $1,800,000

    $880K PRICE DROP
    • Land
    • 11.07 Acres
    • $162,602 per Acre

    TBD Scott St, Kyle, TX 78640

    Positioned inside the city limits of Kyle, Texas, this 11.07 acre m/l tract offers a compelling residential development opportunity in one of Central Texas’s most active growth corridors. Located in Hays County along the Austin–San Antonio I-35 corridor, the site benefits from strong regional connectivity, expanding infrastructure, and ongoing residential and commercial growth that has made Kyle

    Susan Nogues Susan Nogues Real Estate

    TBD Scott St, Kyle, TX 78640
  • /20

    $698,549

    New Construction $44K PRICE DROP
    • 4 Beds
    • 4.5 Baths
    • 2,841 Sq Ft

    333 Tumbling Creek Run, Kyle, TX 78640

    QUICK MOVE IN! Welcome to 333 Tumbling Creek Run, located in the highly sought-after 6 Creeks community in Kyle, Texas. This stunning brand-new Highland Homes Birchwood plan sits on a 60-foot homesite and offers approx 2,848 sq ft of thoughtfully designed living space. With 4 spacious bedrooms, 3.5 bathrooms, and a 3-car garage, this home provides the perfect balance of comfort & functionality

    Highland Homes Builder
    333 Tumbling Creek Run, Kyle, TX 78640
  • /40

    $480,000

    Open Sat 11AM - 1PM $10K PRICE DROP
    • 4 Beds
    • 3 Baths
    • 2,575 Sq Ft

    153 Milam Creek Dr, Kyle, TX 78640

    Welcome to this stunning two-story Taylor Morrison home, where thoughtful design meets everyday comfort. Boasting an open-concept floor plan, this beautifully appointed residence offers 4 spacious bedrooms, 3 full bathrooms, and a convenient half bath, providing the perfect balance of style, functionality, and space.As you step inside, you're greeted by soaring ceilings, abundant natural

    Tonnie Benn Quest Real Estate

    153 Milam Creek Dr, Kyle, TX 78640
  • /67

    $400,000

    • 4 Beds
    • 3.5 Baths
    • 3,346 Sq Ft

    406 Primavera Loop, Kyle, TX 78640

    ELEGANT, SEMI-CUSTOM, LUXURY HOME, Master Bedroom Downstairs! Huge 3,346sqft, 5 Bed 3 1/2 Bath 2 Car Garage, 2 Story, beautiful tile, wood floors, high ceilings, fireplace, separate living, dining, office, walk-in pantry. Spacious kitchen with 42" cabinets, stainless steel appliances, stove, oven, microwave, dishwasher, plus an eat-in kitchen counter, Open Concept. 2nd floor media room, 4

    Hector Mendes San Antonio Elite Realty

    406 Primavera Loop, Kyle, TX 78640
  • /11

    $930,000

    New Construction
    • 4 Beds
    • 4.5 Baths
    • 3,203 Sq Ft

    335 Lavaca Dr, Kyle, TX 78640

    The Bellville home design offers luxury and comfort within its well-designed one-story floor plan. Upon entering through the foyer enhanced by an elegant tray ceiling, you are welcomed into the open-concept main living space highlighted by the expansive great room featuring a cathedral-sloped ceiling and a cozy fireplace. Overlooking the great room is the gourmet kitchen, complete with a central

    Toll Brothers, Inc. Builder
    335 Lavaca Dr, Kyle, TX 78640
  • /2

    $915,000

    New Construction
    • 4 Beds
    • 3.5 Baths
    • 3,265 Sq Ft

    229 Alpine Crossing Dr, Kyle, TX 78640

    The Bluestem's beautiful foyer hallway with tray ceiling flows into the expansive great room and casual dining area with cathedral ceilings, affording a desirable view of the large covered patio. The well-appointed kitchen is complemented by a large center island with breakfast bar, wraparound counter and cabinet space, and ample walk-in pantry. Highlighting the impressive primary bedroom suite

    Toll Brothers, Inc. Builder
    229 Alpine Crossing Dr, Kyle, TX 78640
  • /18

    $325,000

    $10K PRICE INCREASE
    • 3 Beds
    • 2 Baths
    • 1,667 Sq Ft

    913 Blue Oak Blvd, San Marcos, TX 78666

    Enjoy breathtaking sunset views over rolling hills and pasture with this stunning 3-bedroom, 2-bathroom open-concept home located in the scenic master-planned community of Blanco Vista. The neighborhood has direct access to the Blanco River and 5 Mile Damn park in the Hill Country which features a Regional Soccer Complex. Commute easily to Austin or San Antonio with quick access to I-35. The

    Jonathan Minerick HomeCoin.com

    913 Blue Oak Blvd, San Marcos, TX 78666
  • /35

    $635,000

    $15K PRICE DROP
    • 2 Beds
    • 2 Baths
    • 1,908 Sq Ft

    107 Stageline Dr, Kyle, TX 78640

    107 Stageline Drive offers a rare opportunity to own a private slice of the Texas Hill Country lifestyle while still staying connected to the growth and convenience of the Austin-San Antonio corridor. Tucked beneath a canopy of mature trees and accessed through a private gated entrance, this peaceful property spans two combined lots totaling approximately 2.5 acres (the value of the second lot is

    Michael Campos Collective Realty

    107 Stageline Dr, Kyle, TX 78640
  • /14

    $249,900

    $35K PRICE DROP
    • 4 Beds
    • 2 Baths
    • 2,011 Sq Ft

    121 Orion Cove, Kyle, TX 78640

    4.99% FIXED RATE FINANCING AVAILABLE! Qualified buyers may be eligible for a 4.99% fixed-rate mortgage when financing through Buyer’s Rate Mortgage. Contact the listing agent for complete details, eligibility requirements, and program terms. Designed for the way you live, this thoughtfully crafted single-story home in Steeplechase delivers the perfect balance of space, comfort, and everyday ease.

    Clay Byrne Keller Williams Realty

    121 Orion Cove, Kyle, TX 78640
  • /17

    $232,900

    $1K PRICE DROP
    • 3 Beds
    • 2 Baths
    • 1,262 Sq Ft

    1616 Treeta Trail, Kyle, TX 78640

    A Must See affordable & turn-key Home. This attractive, clean, well maintained home features updated flooring, granite counter tops & stainless-steel appliances in the kitchen. The living room is spacious as is the primary bathroom. Plenty of windows throughout for natural light. Backyard is efficient sized, easy to care for, yet private as no neighbors are immediately behind.

    Dean Blackmor Realty One Group Prosper

    1616 Treeta Trail, Kyle, TX 78640
  • /2

    $389,990

    New Construction
    • 5 Beds
    • 3 Baths
    • 2,700 Sq Ft

    270 Mustang Bend, Kyle, TX 78640

    Elegant and expansive, the Meyerson brings spacious two-story living to life with sophistication and smart design. A bright, open kitchen anchors the main level, seamlessly connected to the dining area and great room for effortless entertaining and everyday ease. The thoughtful layout allows light to flow freely through the space, creating an airy, inviting atmosphere from morning to

    DRB Homes Builder
    270 Mustang Bend, Kyle, TX 78640
  • /2

    $384,990

    New Construction
    • 4 Beds
    • 3 Baths
    • 2,238 Sq Ft

    116 Pendleton Dr, Niederwald, TX 78640

    Brand new, energy-efficient home available by Aug 2026! Enjoy this open-concept single-story floorplan with four sizeable bedrooms. Slate cabinets with marble-look white quartz countertops, cool brown laminate flooring, and multi-tone taupe carpet in our Finesse package. Now selling in Kyle, TX, Opal Meadows features beautiful single-family homes on oversized lots. Each home includes extra garage

    Patrick Mcgrath Meritage Homes Realty

    116 Pendleton Dr, Niederwald, TX 78640
  • /40

    $323,900

    $1K PRICE DROP
    • 4 Beds
    • 2.5 Baths
    • 2,096 Sq Ft

    5814 Negley, Kyle, TX 78640

    Desirable corner lot in Plum Creek with full fencing and inviting outdoor entertaining space. The open floor plan features an upgraded kitchen that flows seamlessly into the living area with a cozy gas fireplace. A dedicated office on the main level includes a large closet with additional storage, offering flexibility for work or guests. Upstairs, two adjoining rooms share access to a private

    Adrianne Craft Keller Williams Realty

    5814 Negley, Kyle, TX 78640
  • /40

    $219,000

    • 2 Beds
    • 2.5 Baths
    • 1,160 Sq Ft

    311A Utterback, Kyle, TX 78640

    Charming townhouse nestled in the highly desirable Plum Creek neighborhood! Shaded by mature trees, the home welcomes you with a covered front porch and exterior steps, opening into a bright living and dining space featuring beautiful vinyl wood plank flooring and ceiling fans. The kitchen is equipped with a gas cooktop, built-in microwave, breakfast bar, pantry closet, durable tile flooring, and

    Agent Photo

    Allison Pflaum

    Keller Williams Realty

    311A Utterback, Kyle, TX 78640
  • /24

    $260,000

    $10K PRICE DROP
    • 3 Beds
    • 2 Baths
    • 1,499 Sq Ft

    456 Thistle Ln, Maxwell, TX 78656

    Welcome to 456 Thistle Lane, a beautifully designed single story home that perfectly combines modern efficiency with a warm, welcoming feel. Located in the desirable Hymeadow community, this property features an excellent open-concept layout crafted for easy everyday living and seamless entertaining. The heart of the home centers around a bright, spacious kitchen outfitted with granite

    David Saniti Turner Residential

    456 Thistle Ln, Maxwell, TX 78656
  • /12

    $366,990

    New Construction
    • 4 Beds
    • 2.5 Baths
    • 1,969 Sq Ft

    117 Pendelton Dr, Kyle, TX 78640

    The single-story layout features an open-concept living area and covered patio. Almond cabinets with marble-look white quartz countertops, cool beige laminate flooring, and multi-tone taupe carpet in our Essence package.

    Meritage Homes Builder
    117 Pendelton Dr, Kyle, TX 78640
  • /38

    $343,000

    $7K PRICE DROP
    • 4 Beds
    • 2.5 Baths
    • 2,275 Sq Ft

    2851 Brand Iron Dr, San Marcos, TX 78666

    Step inside to discover an open-concept floor plan that seamlessly connects the living, dining, and kitchen areas, creating a bright and inviting atmosphere ideal for both daily living and entertaining. Large windows fill the home with natural light, enhancing the spacious feel and showcasing the thoughtful design details found throughout. Stylish accent walls add personality and charm, while

    Agent Photo

    Jason Sousa

    Central Metro Realty

    2851 Brand Iron Dr, San Marcos, TX 78666
  • /39

    $270,000

    $20K PRICE DROP
    • 3 Beds
    • 2.5 Baths
    • 1,862 Sq Ft

    209 Ehrlich St, Kyle, TX 78640

    Appliances included *** Practically Brand-New Home in Wayside Community – Welcome to this beautiful, nearly new D.R. Horton home located in the desirable Wayside Community! Built in 2023, this thoughtfully designed home features 3 bedrooms, 2.5 bathrooms, and an open-concept floor plan perfect for modern living. The main floor offers a spacious primary bedroom and ensuite bathroom, along with a

    Raul Flores eXp Realty, LLC

    209 Ehrlich St, Kyle, TX 78640
  • /33

    $195,000

    $5K PRICE DROP
    • 3 Beds
    • 2 Baths
    • 1,568 Sq Ft

    116 Soapstone Pass, Maxwell, TX 78656

    Welcome to 116 Soapstone Pass; a beautifully maintained single story home located in the growing Sunset Oaks community just minutes from Kyle and San Marcos. This move-in ready 3 bedroom, 2 bath home offers the modern lifestyle today’s Central Texas buyers are searching for with an open concept floor plan, stylish finishes and NO carpet throughout for easy maintenance and clean living. From the

    Mindy Guevara Compass RE Texas, LLC

    116 Soapstone Pass, Maxwell, TX 78656
  • /35

    $419,900

    • 5 Beds
    • 3 Baths
    • 3,063 Sq Ft

    598 Sweet Gum Dr, Kyle, TX 78640

    Welcome to Hometown Kyle, a charming and peaceful community just minutes from downtown Kyle, offering excellent dining and shopping options. This stunning 3,063 sq. ft. brick home, built in 2015, sits on a beautifully landscaped .24-acre corner lot. Step inside to a welcoming entryway, where a formal sitting room and dining room lead to the heart of the home—a spacious living room and kitchen

    Chelsea Roberts Coldwell Banker D'Ann Harper,

    598 Sweet Gum Dr, Kyle, TX 78640
  • /27

    $413,900

    New Construction $1K PRICE DROP
    • 4 Beds
    • 3 Baths
    • 2,243 Sq Ft

    581 Biscayne Bay Bend, Kyle, TX 78640

    MLS# - Built by Pacesetter Homes - Ready Now! ~ Welcome to 581 Biscayne Bay Bend, a beautifully designed single-story home offering Texas style, spacious comfort, and modern functionality. This 4-bedroom, 3-bath home features 2,243 square feet of thoughtfully planned living space on a premium homesite backing to a private greenbelt with no rear neighbors. The open-concept kitchen, dining, and

    Randol Vick Randol Vick, Broker

    581 Biscayne Bay Bend, Kyle, TX 78640
  • /38

    $525,590

    New Construction Open Sat 10AM - 5PM $56K PRICE INCREASE
    • 4 Beds
    • 3.5 Baths
    • 2,713 Sq Ft

    310 Prickly Poppy Loop, Kyle, TX 78640

    A stunning two-story home designed for modern living with an exceptional blend of functionality, style, and architectural impact. From the moment you enter, you’re welcomed by soaring ceilings, expansive windows, and an abundance of natural light that pours through the main living areas, creating a bright and airy atmosphere that sets this home apart. The open-concept great room and dining space

    Kathryn Stredwick First Texas Brokerage Company

    310 Prickly Poppy Loop, Kyle, TX 78640
  • /25

    $246,999

    New Construction $24K PRICE DROP
    • 4 Beds
    • 2.5 Baths
    • 1,802 Sq Ft

    Highgate Plan at Waterstone - Stonehill Collection, Kyle, TX 78640

    Upon entry of this spacious two-story home are the family room, dining room and a chef-ready kitchen arranged in a desirable open floorplan that promotes seamless transition between spaces. Down the hallway is the tranquil owner’s suite with a convenient adjoining bathroom. Upstairs, a sprawling game room offers endless possibilities, while on the opposite end of the floor are three secondary

    Lennar Builder
    314 Avre Loop Unit 40586845, Kyle, TX 78640
  • /23

    $230,999

    New Construction $9K PRICE DROP
    • 4 Beds
    • 2 Baths
    • 1,500 Sq Ft

    Timms Plan at Waterstone - Stonehill Collection, Kyle, TX 78640

    This new single-level home features a modern and low-maintenance design. Three bedrooms can be found off the foyer, leading to an open-concept floorplan that combines the kitchen, living and dining areas. The luxe owner’s suite is tucked into a private rear corner, complete with an en-suite bathroom and walk-in closet.

    Lennar Builder
    314 Avre Loop Unit 40586843, Kyle, TX 78640
  • /23

    $217,999

    New Construction $10K PRICE DROP
    • 3 Beds
    • 2 Baths
    • 1,380 Sq Ft

    Avas Plan at Waterstone - Stonehill Collection, Kyle, TX 78640

    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 in a rear corner of the home, complemented by an en-suite bathroom and walk-in closet. There are two secondary bedrooms at the front of the home, which are comfortable spaces for household members and overnight guests.

    Lennar Builder
    314 Avre Loop Unit 40586842, Kyle, TX 78640
  • /21

    $204,999

    New Construction $4K PRICE DROP
    • 3 Beds
    • 2 Baths
    • 1,200 Sq Ft

    Chappell Plan at Waterstone - Stonehill Collection, Kyle, TX 78640

    This single-level home opens into a shared living space between the kitchen, dining area and family room for easy entertaining. An owner’s suite enjoys a private location in a rear corner of the home, complemented by an en-suite bathroom and walk-in closet. There are two secondary bedrooms at the front of the home, which are comfortable spaces for household members and overnight guests.

    Lennar Builder
    314 Avre Loop Unit 40586840, Kyle, TX 78640
  • /30

    $299,999

    Open Sat 11AM - 1PM
    • 4 Beds
    • 2 Baths
    • 1,832 Sq Ft

    238 Sickle Loop, Uhland, TX 78640

    Charming home in Uhland, just minutes from Kyle with convenient access to shopping, dining, and major roadways. This well-maintained property offers a functional layout, comfortable living spaces, and a great opportunity for buyers seeking both convenience and value. Buyer and buyer’s agent to independently verify all information including, but not limited to, taxes, schools, square footage, lot

    Agent Photo

    Maria Aguirre

    Keller Williams - Lake Travis

    238 Sickle Loop, Uhland, TX 78640
  • /6

    $174,900

    • Land
    • 20,124 Sq Ft
    • $378,571 per Acre

    207 Cresthill Causeway, Kyle, TX 78640

    This spacious, almost half acre lot features an asphalt driveway and previously accommodated a mobile home. For your convenience, water, electricity, and a septic system are already on-site. Please note that the property is being sold "AS IS".

    Susan Reyna All City Real Estate Ltd. Co

    207 Cresthill Causeway, Kyle, TX 78640
  • /22

    $570,000

    $20K PRICE DROP
    • 5 Beds
    • 4 Baths
    • 3,485 Sq Ft

    373 Coyote Creek Way, Kyle, TX 78640

    A multigenerational home priced at a very competitive $164 per square foot, making it one of the lowest price-per-square-foot options available in the very desirable 6 Creeks community in Kyle. Residents enjoy access to neighborhood amenities including a community pool, playground, pickleball court, and scenic pond, with PLUM CREEK GOLF COURSE just five minutes away. Everyday conveniences and

    Cedric Akodokoun Levi Rodgers Real Estate Group

    373 Coyote Creek Way, Kyle, TX 78640
  • /39

    $500,000

    $39K PRICE DROP
    • 5 Beds
    • 3 Baths
    • 2,772 Sq Ft

    485 Bella Vista Cir, Kyle, TX 78640

    Welcome to this exquisite, fully upgraded home situated on a prime, expansive 3/4-acre corner lot in the heart of Kyle. From the moment you arrive, the premium updates are undeniable, highlighted by a brand NEW ROOF, a stately all-sided brick exterior, and a massive, private fenced backyard complete with a treehouse, storage shed, an extra-wide gate with an RV hookup, and a gorgeous back patio

    Agent Photo

    Allison Pflaum

    Keller Williams Realty

    485 Bella Vista Cir, Kyle, TX 78640
  • /40

    $480,000

    $20K PRICE DROP
    • 4 Beds
    • 3 Baths
    • 2,515 Sq Ft

    207 Mineral River Loop, Kyle, TX 78640

    Ask about closing cost incentive for buyer! Welcome to this beautifully designed one-story home featuring a spacious 3-car garage and an open-concept layout perfect for everyday living and entertaining. The stunning island kitchen showcases elegant quartz countertops and flows seamlessly into the living and dining areas, creating a bright and inviting atmosphere. Tesla charger in garage.This

    Agent Photo

    Lori Anne Goto

    Encore Real Estate

    207 Mineral River Loop, Kyle, TX 78640
  • /27

    $199,900

    $10K PRICE DROP
    • 2 Beds
    • 2 Baths
    • 1,216 Sq Ft

    258 Quail Ridge Dr, Kyle, TX 78640

    Enjoy the perfect blend of peaceful country living with convenient access to all the shopping, dining, and everyday essentials Kyle has to offer. This spacious 1994 custom-built manufactured home sits on nearly half an acre surrounded by mature shade trees and features two primary suites, two full baths, an upgraded subfloor, and a charming stone fireplace. The kitchen comes equipped with a

    Joseph Cardona Realty One Group Prosper

    258 Quail Ridge Dr, Kyle, TX 78640
  • /28

    $364,900

    $15K PRICE DROP
    • 4 Beds
    • 3 Baths
    • 2,694 Sq Ft

    112 Pauline Cove, Kyle, TX 78640

    Welcome to this meticulously maintained 4-bedroom, 3 full bath home offering 2,694 square feet of thoughtfully designed living space in the highly sought-after master-planned Waterleaf community. Enjoy access to incredible neighborhood amenities including a resort-style swimming pool, pavilion, playscape, and scenic hiking trails.This spacious open-concept floor plan features the primary

    Steve Darilek RE/MAX Bastrop Area

    112 Pauline Cove, Kyle, TX 78640
  • /35

    $258,500

    $21K PRICE DROP
    • 3 Beds
    • 2.5 Baths
    • 1,710 Sq Ft

    172 Discovery, Kyle, TX 78640

    Welcome to this inviting two-story home with charming curb appeal, mature trees, and a spacious driveway leading to a covered front entry. Step inside to a bright and open layout filled with natural light, neutral tones, and easy-flow living spaces designed for both everyday comfort and entertaining. The updated kitchen features modern finishes, generous counter space, and an open dining area

    Carlos Dongmo CB&A, Realtors

    172 Discovery, Kyle, TX 78640

Showing Results 521 - 560, Page 14 of 18

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