835

Las Cruces, NM Homes for Sale with No HOA Fee

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  • /62

    $795,000

    • 7 Beds
    • 3.5 Baths
    • 5,390 Sq Ft

    2526 Snow Rd, Las Cruces, NM 88005

    Discover this unique and expansive 5,000+ sqft home in the heart of shady Mesilla, now remodeled with modern amenities. This property offers 7 bedrooms plus a den/office and 4 bathrooms, providing ample space for multi-generational living or guest accommodations. Updated kitchen with modern finishes. Refrigerated cooling throughout with 3 separate units for optimal comfort. A separate suite in

    Jamie McGlone Paul Curry Real Estate, LLC

    2526 Snow Rd, Las Cruces, NM 88005
  • /34

    $524,900

    • 3 Beds
    • 2.5 Baths
    • 2,250 Sq Ft

    716 Basha Arcade, Las Cruces, NM 88005

    Welcome to your dream home! This beautifully crafted residence boasts 3 spacious bedrooms, a dedicated office, and 2.5 bathrooms, perfectly blending comfort and style. From the moment you arrive, you'll notice the sleek, contemporary design paired with warm wood accents and a striking tongue and groove front porch. Inside you will find a bright and open layout where the open kitchen flows

    Crystal Chavez RE/MAX Classic Realty

    716 Basha Arcade, Las Cruces, NM 88005
  • /73

    $550,000

    • 3 Beds
    • 2 Baths
    • 2,255 Sq Ft

    5040 Rock House Rd, Las Cruces, NM 88011

    Welcome to this beautifully appointed 3-bedroom, 2-bathroom home with a dedicated office and 2,255 square feet of living space, set on a 2.5-acre lot. Featuring a desirable split floor plan and solar power. Step through the welcoming courtyard and into the open-concept family and dining room, where a tongue-and-groove ceiling, chandelier, wood-burning fireplace, and a picture window frame the

    Jeffrey Stevens Berkshire Hathaway Homeservices - NM Properties

    5040 Rock House Rd, Las Cruces, NM 88011
  • /44

    $515,000

    • 3 Beds
    • 2 Baths
    • 2,735 Sq Ft

    5075 Chaparrita Ct, Las Cruces, NM 88011

    $20,000 FLOORING CREDIT + 2 NEW HVAC SYSTEMS! Situated on a spacious 2-acre lot in a quiet cul-de-sac, this custom-built home offers breathtaking Organ Mountain views and high quality construction. Built with Blue Maxx Insulated Concrete Form and steel-reinforced construction, this home is designed for superior security, fire protection, noise reduction, and energy efficiency. As you enter, the

    Esther Oh Prosper Real Estate

    5075 Chaparrita Ct, Las Cruces, NM 88011
  • /49

    $167,000

    • 3 Beds
    • 2 Baths
    • 1,344 Sq Ft

    2555 Primavera St, Las Cruces, NM 88007

    Clean Double wide Mobil Home in downtown Las Cruces off of Picacho avenue.3 bedroom two bath. new floor & paint ready to get in. 1374 S.F, 0.17 Acre Big lot.$169,000 Easy access to stores and schools.not to many like this. call for showing. proof of funds required.

    Ernesto Uranga RE/MAX Classic Realty

    2555 Primavera St, Las Cruces, NM 88007
  • /5

    $208,000

    • Land
    • 2.90 Acres
    • $71,724 per Acre

    5647 Calle de Paradise, Las Cruces, NM 88011

    Perched at the end of a quiet cul-de-sac in the preeminent Tierra Escondida gated community, this premium 2.90-acre lot offers wide-open space, privacy, and panoramic views of the Organ Mountains. With gently sloped terrain for optimal sightlines and utilities at the lot line, it's the perfect setting to build your desert dream home.Optional architectural plans for a 2,800 sq ft custom home

    Jared English Congress Realty, Inc.

    5647 Calle de Paradise, Las Cruces, NM 88011
  • /47

    $490,000

    • 5 Beds
    • 2.5 Baths
    • 2,721 Sq Ft

    5750 Shadow Hills Rd, Las Cruces, NM 88012

    Rustic charm meets modern upgrades in this 5-bedroom, 2.5-bath home on a 1.6-acre lot. Built in 1981 and only 2 owners, this home sits on a spacious lot on a dead-end road.Inside, you'll find an entry wall featuring 100-year-old barnwood, a double-sided fireplace between two living spaces, 2-inch acid-stained polished concrete countertops, and a kitchen with ample cabinetry, newer appliances

    Mindy Franich BHGRE Steinborn & Associates

    5750 Shadow Hills Rd, Las Cruces, NM 88012
  • /26

    $94,325

    • Land
    • 2.50 Acres
    • $37,730 per Acre

    4131 Johnson Ln, Las Cruces, NM 88011

    2.5 Acres of Opportunity in Las Alturas - 4131 Johnson Lane (Pending Address Issued By DA County) Discover the perfect canvas for your dream home on this expansive 2.5-acre lot in the highly sought-after Las Alturas area. Zoned D1 (Low-Density Residential), this versatile property allows for single-family site-built homes, mobile homes, and related uses to serve residential areas--giving you the

    Vincent Bufanio BHGRE Steinborn & Associates

    4131 Johnson Ln, Las Cruces, NM 88011
  • /5

    $135,000

    • Land
    • 1.01 Acres
    • $133,663 per Acre

    8480 Mescal Bean Rd, Las Cruces, NM 88011

    One acre homesite with Organ Mountain views, located in the Desert Mirage Subdivision....a Wonderful and Relaxing Place to Live! Enjoy Organ Mountain sunsets, cool summer nights filled with a million stars. Literally, minutes from town. Underground utilities and paved road access. Restrictive Covenants apply. Broker is the owner/developer of Desert Mirage subdivision and owner of this parcel.

    Patty Pereyra The Real Estate Company

    8480 Mescal Bean Rd, Las Cruces, NM 88011
  • /5

    $145,000

    • Land
    • 1.02 Acres
    • $142,157 per Acre

    8860 Regal Mist Ct, Las Cruces, NM 88011

    One acre homesite with Organ Mountain views, located in the Desert Mirage Subdivision...a Wonderful and Relaxing Place to Live! Enjoy Organ Mountain sunsets, cool summer nights filled with a million stars. Literally, minutes from town. Underground utilities, and paved road access. Restrictive Covenants apply. Broker is the owner/developer of Desert Mirage subdivision and owner of this parcel.

    Patty Pereyra The Real Estate Company

    8860 Regal Mist Ct, Las Cruces, NM 88011
  • /4

    $135,000

    • Land
    • 1.02 Acres
    • $132,353 per Acre

    8800 Regal Mist Ct, Las Cruces, NM 88011

    One acre homesite with Organ Mountain views, located in the Desert Mirage Subdivision.....a Wonderful and Relaxing Place to Live! Enjoy Organ Mountain sunsets, cool summer nights filled with a million stars. Literally, minutes from town. Underground utilties, and paved road access. Restrictive Covenants apply. Broker is the owner/developer of Desert Mirage subdivision and owner of this parcel.

    Patty Pereyra The Real Estate Company

    8800 Regal Mist Ct, Las Cruces, NM 88011
  • /20

    $315,045

    • 3 Beds
    • 2.5 Baths
    • 1,531 Sq Ft

    2056 Meteor St, Las Cruces, NM 88012

    Looking for a contemporary 3 bedroom 2.5 bath home? This amazing French Brothers home in the popular master planned community located near schools and the popular Red Hawk golf course in Las Cruces New Mexico. Dressed with designer brushed nickle hardware, beautiful ceramic tile upgraded carpet and pad are just a few of the amazing finishes in this all electric high efficiency home. Built with

    Richard Flores The Palms Realty

    2056 Meteor St, Las Cruces, NM 88012
  • /36

    $310,000

    4943 Del Rey Blvd, Las Cruces, NM 88012

    Welcome to an exceptional investment opportunity! This charming and tranquil mobile home park is now available for sale, offering a unique chance to own a well-established community that harmoniously blends comfort, convenience, and natural desert landscaping. With a strong and consistent rental history, this mobile home park represents an excellent investment opportunity. The well-established 6

    Crystal Mccaslin BHGRE Steinborn & Associates

    4943 Del Rey Blvd, Las Cruces, NM 88012
  • /48

    $449,900

    • 3 Beds
    • 2.5 Baths
    • 2,239 Sq Ft

    2641 E Springs Rd, Las Cruces, NM 88011

    Do not miss this beautiful home in the Roadrunner Sonoma Ranch area! Enjoy the open floor plan with high ceilings. Stunning wood vigas, and a fireplace in the living room that give off such a beautiful ambience. This home has the modern look with all the space you need. A three-car tandem garage along with a north facing backyard that enjoys shade for a good portion of the day. The entryway is

    Summer Woods Cripple Creek Realty, LLC

    2641 E Springs Rd, Las Cruces, NM 88011
  • /5

    $130,000

    • 2 Beds
    • 1 Bath
    • 801 Sq Ft

    625 S Esperanza St, Las Cruces, NM 88001

    Located in the center of town, this 801 sq ft home offers great potential with a little TLC. It features a large backyard. With the right updates, this property could be a great investment!

    Noemi Candela RE/MAX Classic Realty

    625 S Esperanza St, Las Cruces, NM 88001
  • /62

    $449,000

    • 3 Beds
    • 3 Baths
    • 2,016 Sq Ft

    4300 N Valley Dr, Las Cruces, NM 88007

    Beautiful home with a 60' x 40' dream shop!Welcome to this incredible property situated on .83 acres, offering EBID water rights and an array of features perfect for comfortable living and hobby enthusiasts alike. The 2,016 sq ft home boasts 3 bedrooms and 2 bathrooms, including a primary suite that feels like a retreat with its massive bedroom and dream walk-in closet.The heart of the home is an

    Kaley Salopek United Country Real Estate Salopek Realty

    4300 N Valley Dr, Las Cruces, NM 88007
  • /22

    $160,000

    • 3 Beds
    • 2 Baths
    • 1,344 Sq Ft

    1440 Branding Iron Cir, Las Cruces, NM 88005

    ** Priced to Sell **Nestled on a spacious corner lot in Las Cruces, NM, this permanently set 3-bedroom, 2-bathroom mobile home offers comfort, convenience, and plenty of outdoor space! The home features a functional layout with an open living area, a spacious kitchen, and a primary suite with an en-suite bathroom.Outside, you'll find a sturdy shed set on a foundation, perfect for extra storage or

    Isaiah Tellez Select Realty Group, LLC

    1440 Branding Iron Cir, Las Cruces, NM 88005
  • /10

    $77,000

    • Land
    • 1.36 Acres
    • $56,618 per Acre

    6850 Fox Rd, Las Cruces, NM 88012

    Discover the perfect canvas for your dream home at 6850 Fox Road in Las Cruces, New Mexico. This expansive 1.36-acre lot offers ample space for a custom residence, outdoor living areas and the view of the Organ Mountains. With essential utilities readily available, the property is primed for development or for your manufactured home. Situated in a serene neighborhood, you'll enjoy both privacy

    Pamela Moralde Prosper Real Estate

    6850 Fox Rd, Las Cruces, NM 88012
  • /30

    $260,000

    • 3 Beds
    • 3 Baths
    • 1,702 Sq Ft

    1575 Carrillo Ct Unit A-B-C, Las Cruces, NM 88001

    Attention all investors! Discover a lucrative opportunity with this centrally located triplex, perfect for generating supplemental income. This property features three separate 1-bedroom, 1-bathroom apartments, each offering a comfortable living area, a kitchen equipped with a stove and refrigerator, and convenient washer and dryer hookups. Tenants pay all utilities and individual water meters.

    Leticia Rodriguez-Flores EXIT Realty Horizons

    1575 Carrillo Ct Unit A-B-C, Las Cruces, NM 88001
  • /41

    $338,900

    • 3 Beds
    • 2 Baths
    • 1,767 Sq Ft

    6365 Reliance Rd, Las Cruces, NM 88012

    Located in the highly sought-after Metro Verde at 6365 Reliance Road, this stunning home, which is under 2 years old, combines modern comfort with convenience and style. Offering 3 spacious bedrooms, 1.75 bathrooms, and a dedicated office space, this home is perfect for families, remote workers, or anyone looking for a bit of extra room. The open-concept floor plan is designed for easy living,

    Elias Elizaldez EXIT Realty Horizons

    6365 Reliance Rd, Las Cruces, NM 88012
  • /69

    $444,900

    • 3 Beds
    • 3 Baths
    • 1,525 Sq Ft

    13346 Robledo Vista Rd, Las Cruces, NM 88007

    If a rural lifestyle is in your future this property is a UNIQUE OPPORTUNITY! Three large bedrooms, two baths and two living areas. Wood look luxury plank vinyl, lush carpeting in bedrooms and slate look tile in wet areas. Vinyl siding, metal roof, central refrigerated air & gas forced air heat, kitchen and bath remodel, wood stove, Jeldwen Windows and sliding glass doors. Wait...there's

    Priscilla Terrazas The Premiere Real Estate Agency

    13346 Robledo Vista Rd, Las Cruces, NM 88007
  • /24

    $750,000

    • 5 Beds
    • 3.5 Baths
    • 3,514 Sq Ft

    5679 Good News Way, Las Cruces, NM 88007

    Welcome to this magnificent remodeled home offering breathtaking views of Picacho Peak and the city of Las Cruces. Boasting 3,514 square feet of living space, this property features 5 bedrooms, 4 bathrooms, and 2 flex rooms for added versatility.Step inside to discover a newly renovated kitchen with modern cabinetry, natural stone quartzite countertops, and an elegant marble backsplash,

    Veronica Galvan United Country Real Estate Salopek Realty

    5679 Good News Way, Las Cruces, NM 88007
  • /49

    $420,000

    • 4 Beds
    • 3 Baths
    • 2,415 Sq Ft

    3685 Santa Sabina Ave, Las Cruces, NM 88012

    Welcome to this stunning 4-bedroom, 3-bath, 2,415 sqft home on a spacious corner lot in the desirable Metro Verde community. This energy-efficient home features fully paid-off solar panels with a transferable warranty, energy-saving window shades, and custom surround sound in the living room. Enjoy an open-concept layout with warm, earthy tones and varied ceiling heights. The gourmet kitchen

    Virginia Hernandez Select Realty Group, LLC

    3685 Santa Sabina Ave, Las Cruces, NM 88012
  • /70

    $749,000

    • 5 Beds
    • 2 Baths
    • 2,900 Sq Ft

    4737 Beyer Rd, Las Cruces, NM 88011

    Experience Unparalleled Equestrian Living on this Expansive 5-Acre Estate with Breathtaking Organ Mountain Views. This 2,900 sq ft residence ftrs 5 bedrooms and 1.75 bathrooms. Equestrian amenities include a 7,000 sq ft metal barn, well-maintained stables with water access, and a ROCK-FREE Riding Arena! Unique zoning permits both residential and commercial opportunities, offering LIMITLESS INCOME

    Dianna Lueras REAL BROKER, LLC

    4737 Beyer Rd, Las Cruces, NM 88011
  • /52

    $592,999

    • 6 Beds
    • 3 Baths
    • 3,775 Sq Ft

    4825 Ocotillo Rd, Las Cruces, NM 88011

    PRICE Improvement!!Spacious Home with 6 bedrooms 3 bathroomsTwo living roomsLarge Laundry RoomMany options for StorageTwo car garage and one detached garagePool newly resurfaced. Well maintained septicLarge 2.5 acre lotWithin a short drive to shopping, schools and the freeway.

    Tanzi Brungard New Mexico Properties

    4825 Ocotillo Rd, Las Cruces, NM 88011
  • /29

    $272,000

    • 3 Beds
    • 2 Baths
    • 1,530 Sq Ft

    10021 Embarcadero Rd, Las Cruces, NM 88007

    Discover this beautifully updated Southwestern home near Radium Springs. This 1530 sq. ft. single family residence sits on a spacious 1.26-acre lot and boasts 3 bedrooms, 2 baths, and a cozy great room with a fireplace. Enjoy a modern kitchen with granite counters, and energy-efficient solar panels. The property offers stunning mountain views and a detached 2-car garage. With refrigerated central

    Eli Berger Coldwell Banker Legacy Elite

    10021 Embarcadero Rd, Las Cruces, NM 88007
  • /71

    $589,000

    • 3 Beds
    • 2.5 Baths
    • 3,631 Sq Ft

    3015 Mimosa Ln, Las Cruces, NM 88001

    Welcome to this stunning 3,631 sqft brick home on a beautiful .75-acre lot with pecan trees. Featuring 3 spacious bedrooms and 3 flex rooms--currently a media room, home hair salon and an additional bedroom--this home offers ample space and endless possibilities. Bright, open living areas are filled with natural light from skylights, creating a warm atmosphere. The sunroom is the perfect spot

    Guadalupe Fernandez Volare Realty Group LLC

    3015 Mimosa Ln, Las Cruces, NM 88001
  • /26

    $315,000

    • 4 Beds
    • 2 Baths
    • 1,722 Sq Ft

    3838 Santa Sophia Rd, Las Cruces, NM 88012

    Built in 2021, this 4-bedroom, 2-bathroom home offers 1,722 square feet of thoughtfully designed living space. The open-concept layout is perfect for everyday living and entertaining. The split-bedroom floor plan features two bedrooms on each side of the home--ideal for flexible living arrangements.Enjoy upgraded tile floors throughout (no carpet), a spacious kitchen with modern appliances and

    Cecilia Ramos Infinity Real Estate of Las Cruces

    3838 Santa Sophia Rd, Las Cruces, NM 88012
  • /57

    $1,244,000

    • 5 Beds
    • 4 Baths
    • 4,034 Sq Ft

    5118 Silver King Rd, Las Cruces, NM 88011

    Discover the height of desert living in this stunning luxury southwest showcase home, situated on five expansive acres in the highly desirable Talavera community. Constructed with ICF (Insulated Concrete Form), the home features walls consisting of 4 inches of foam and 8 inches of steel-reinforced concrete, ensuring superior insulation and energy efficiency. A double roof system--comprised of

    Crystal Mccaslin BHGRE Steinborn & Associates

    5118 Silver King Rd, Las Cruces, NM 88011
  • /33

    $185,000

    • 3 Beds
    • 2 Baths
    • 1,220 Sq Ft

    911 Luna St, Las Cruces, NM 88001

    This charming home offers 3 bedrooms and 1.75 baths, perfect for an easy comfortable lifestyle. The living room features a full wall-sized brick fireplace and laminate wood flooring, creating a warm and inviting atmosphere. Enjoy the large, oversized yard space and carport parking, ideal for outdoor activities and relaxation. Sections of the wood fencing have been replaced, while the stucco

    Eric Hadley Coldwell Banker Legacy Elite

    911 Luna St, Las Cruces, NM 88001
  • /15

    $85,000

    • Land
    • 0.50 Acre
    • $170,000 per Acre

    38 Sunrunner Ave, Las Cruces, NM 88012

    This half acre of land is perfect for building your new home or setting up a mobile home. This lot has all utility hookups ready to go with plenty of room for an RV, horses or a shop. It boasts of stunning views of the Organ Mountains. There is a mobile home on the property that will convey (fixer upper, 2 bedroom, 2 bath).

    Stephanie Hargrove BHGRE Steinborn & Associates

    38 Sunrunner Ave, Las Cruces, NM 88012
  • /9

    $172,500

    • Land
    • 1.50 Acres
    • $115,000 per Acre

    6025 Avenida Sonrisa, Las Cruces, NM 88011

    Discover the perfect canvas for your dream home with views of the Organ Mountains. This 1.5-acre parcel, nestled in the gated Tierra Escondida subdivision, offers an ideal setting for those seeking natural beauty and tranquility. Imagine waking up to breathtaking sunrises and winding down with mesmerizing sunsets from the comfort of your future patios. Enjoy the serene ambiance and maybe some

    Joseph Arnone EXIT Realty Horizons

    6025 Avenida Sonrisa, Las Cruces, NM 88011
  • /48

    $299,900

    • 3 Beds
    • 2.5 Baths
    • 1,923 Sq Ft

    3854 Ivory Ct, Las Cruces, NM 88012

    Charming 2-Story Home in Sought-After Las Colinas!Discover this beautiful home with interior and exterior updates and refrigerated air. This 3-bedroom, 2.5-bathroom home is nestled in the highly desirable Las Colinas neighborhood that is located near parks, schools and dining. Featuring two spacious living areas, this home provides plenty of room for entertaining or relaxing. Thoughtful updates

    Erika Okinga Morningstar Legacy

    3854 Ivory Ct, Las Cruces, NM 88012
  • /35

    $242,000

    • 3 Beds
    • 2 Baths
    • 1,484 Sq Ft

    4907 Emerald St, Las Cruces, NM 88012

    This cozy 1 story home in desireable Las Colinas neighborhood feels home as soon as you enter.. Bright and large living room with cozy fireplace, new laminate flooring (as of 2/2025) and a lot of natural light leading to a dining area with a cute nook with build in desk and spacious kitchen with lots of cabinet and counter space, stove, dishwasher and refrigerator.There is a total of 3 bedrooms,

    Danii Sedillo Keller Williams Realty

    4907 Emerald St, Las Cruces, NM 88012
  • /30

    $293,000

    • 3 Beds
    • 2.5 Baths
    • 1,671 Sq Ft

    6130 Kaleidoscope Rd, Las Cruces, NM 88012

    Discover modern comfort in this stunning 3-bed, 2.5-bath home built in 2022. The open floor plan features a stylish kitchen with granite countertops and kitchen appliances included. The spacious main suite connects to the primary bathroom with a walk-in shower and walk in closet. Step outside to a beautifully landscaped backyard with an extended fence And views of the mountains. Don't miss this

    Justin Grant EXIT Realty Horizons

    6130 Kaleidoscope Rd, Las Cruces, NM 88012
  • /8

    $536,000

    • Land
    • 36 Acres
    • $14,980 per Acre

    9050 Achenbach Canyon Rd, Las Cruces, NM 88011

    Unlock the potential of two expansive parcels on Achenbach Canyon Road. With 35.78 acres priced at $536,000 and 28.18 acres available for $422,000, these stunning properties offer an unparalleled opportunity for investment or development. Nestled in the picturesque landscape, these parcels promise endless possibilities, from creating your dream estate to exploring future ventures. Consider

    Tobe Turpen BHGRE Steinborn & Associates

    9050 Achenbach Canyon Rd, Las Cruces, NM 88011
  • /8

    $422,000

    • Land
    • 28 Acres
    • $14,975 per Acre

    8950 Achenbach Canyon Rd, Las Cruces, NM 88011

    Unlock the potential of two expansive parcels on Achenbach Canyon Road. With 35.78 acres priced at $536,000 and 28.18 acres available for $422,000, these stunning properties offer an unparalleled opportunity for investment or development. Nestled in the picturesque landscape, these parcels promise endless possibilities, from creating your dream estate to exploring future ventures. Consider

    Tobe Turpen BHGRE Steinborn & Associates

    8950 Achenbach Canyon Rd, Las Cruces, NM 88011
  • /25

    $164,995

    • 3 Beds
    • 1.5 Baths
    • 1,288 Sq Ft

    1930 Corbett Dr, Las Cruces, NM 88001

    Nestled in a well-established neighborhood, this 3-bedroom home offers a unique opportunity for those looking to add their personal touch. Featuring two fireplaces, fresh paint, and abundant potential, this property is full of charm. Being sold AS IS as a fixer-upper, this home will not pass inspections.

    Mattie White BMC MANAGEMENT

    1930 Corbett Dr, Las Cruces, NM 88001
  • /50

    $589,950

    • 4 Beds
    • 3 Baths
    • 3,501 Sq Ft

    6616 Vista Hermosa, Las Cruces, NM 88007

    Nestled in one of Las Cruces most prestigious neighborhoods, this beautiful 4-bedroom, 3-bathroom residence offers over 3,500 sq ft of luxurious living space on a generous half-acre lot. Did I say its right next to a golf course? Designed for both comfort and elegance, the home features a spacious open floor plan with multiple living areas, ideal for entertaining and family gatherings. The

    Roberto Martínez Home Pros Real Estate Group New Mexico

    6616 Vista Hermosa, Las Cruces, NM 88007
  • /40

    $435,000

    • 3 Beds
    • 2.5 Baths
    • 2,035 Sq Ft

    3703 Santa Cecilia Ave, Las Cruces, NM 88012

    Stunning home in Metro Verde! This 3-bed, 2.5-bath home offers an open floor plan with high ceilings, vigas, and a barrel ceiling entry. The chef's kitchen features granite countertops, a 5-burner gas cooktop, island with breakfast bar, custom cabinetry, stainless steel appliances, and a large walk-in pantry. The owner's suite includes a jetted tub, walk-in shower, double sinks, granite

    Emmanuel Ortega Prosper Real Estate

    3703 Santa Cecilia Ave, Las Cruces, NM 88012

Showing Results 521 - 560, Page 14 of 18

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