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Homes for Sale near University Middle School Academy

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  • /46

    $420,000

    • 3 Beds
    • 3 Baths
    • 1,515 Sq Ft

    4423 Groveland Ave, Royal Oak, MI 48073

    Welcome to this beautifully updated 3 bedroom, 3 full bathroom bungalow, offering a perfect blend of comfort and style. Step inside to discover hardwood flooring that flows seamlessly throughout the main level. The layout effortlessly connects the kitchen to the dining and living areas, making it an ideal space for entertaining. The main floor features kitchen with granite countertops and

    Tim Scherer KW Domain

    4423 Groveland Ave, Royal Oak, MI 48073
  • /37

    $635,000

    • 3 Beds
    • 2.5 Baths
    • 2,027 Sq Ft

    5799 Blandford Ct, Bloomfield Hills, MI 48302

    Welcome to this beautifully remodeled ranch!This home features a gourmet kitchen with granite countertops, aesthetically pleasing cabinetry, and a large center island that comfortably seats six. Stainless steel appliances, recessed lighting, and interior cabinet lighting truly make this gem shine.Enjoy hardwood floors throughout, a cedar closet, and large French patio doors flanked by

    Anthony Djon Anthony Djon Luxury Real Estate

    5799 Blandford Ct, Bloomfield Hills, MI 48302
  • /23

    $325,000

    • 4 Beds
    • 2.5 Baths
    • 1,685 Sq Ft

    14670 Talbot St, Oak Park, MI 48237

    Solid North Oak Park home that boasts 4 bedrooms and 2.5 baths. Located in the heart of the sub, with sidewalks and close to everything! Enjoy 1685 square feet of living space. Lots of windows add to the bright and airy rooms. Many rooms are freshly painted. Great floorplan with kitchen and island adjoining family room with fireplace and door wall leading to huge fenced backyard. HARDWOOD

    Linda Singer Max Broock Realtors

    14670 Talbot St, Oak Park, MI 48237
  • /28

    $149,000

    • 4 Beds
    • 2 Baths
    • 1,452 Sq Ft

    19780 Oakfield St, Detroit, MI 48235

    Come discover this beautifully updated 4-bedroom, 2-bath Smart Home Colonial in this desirable Northwestern Greenfield district neighborhood, offering a perfect blend of classic charm and modern smart upgrades. This spacious single-family home features elegant landscaping, a welcoming front porch, and a fenced-in backyard ideal for relaxing or entertaining. Inside, a beautiful entertainment room

    Jesse Hallac Top Agent Realty

    19780 Oakfield St, Detroit, MI 48235
  • /48

    $2,345,000

    • 4 Beds
    • 5.5 Baths
    • 4,002 Sq Ft

    7303 Brookside Village Ct, Bloomfield Township, MI 48301

    Stunning 4-bedroom, 5.1-bath home in Bloomfield Township, built in 2022 and upgraded with high-end finishes throughout. The open floor plan features 9’ and 10’ ceilings, recessed lighting, and a chef’s kitchen with quartz countertops, a walk-in pantry, SubZero refrigerator, Wolf gas oven/range, Wolf microwave, exhaust hood fan, Cove dishwasher, disposal, and RH pendant lighting over the island.

    Renee Jadan EXP Z Real Estate

    7303 Brookside Village Ct, Bloomfield Township, MI 48301
  • /14

    $199,900

    • 3 Beds
    • 1 Bath
    • 945 Sq Ft

    28115 Everett St, Southfield, MI 48076

    Beautifully updated ranch located just steps from the park! This 3-bedroom, 1-bath home features a fully fenced yard and an oversized 2.5-car garage with a dedicated man cave perfect for hobbies or extra workspace. Inside, enjoy stainless steel appliances, newer furnace, hot water heater, and gutter guards for peace of mind. A solid opportunity in a convenient location with both comfort and

    Antonia Lisi EXP Z Real Estate

    28115 Everett St, Southfield, MI 48076
  • /42

    $349,000

    • 3 Beds
    • 2 Baths
    • 910 Sq Ft

    334 Marlin Ave, Royal Oak, MI 48067

    Charming 3-Bed, 2-Bath Ranch in the Heart of Royal Oak! This beautifully updated 910 sq ft home at 334 Marlin Ave features all new flooring, new windows, two fully renovated bathrooms, and a brand new kitchen with new appliances. With a cozy, functional layout, it’s perfect for first-time buyers, downsizers, or investors. Enjoy a spacious backyard on a quiet street, just minutes from downtown

    Asten Cholagh Golden Key Realty Group LLC

    334 Marlin Ave, Royal Oak, MI 48067
  • /44

    $455,000

    • 3 Beds
    • 1.5 Baths
    • 1,908 Sq Ft

    26015 Allor Ave, Huntington Woods, MI 48070

    Move-in ready all brick Colonial in Huntington Woods with 3 bedrooms, 1.1 baths, a great family room addition and a great finished basement! The kitchen and baths have been remodeled, all of the rooms are spacious, with beautiful wood floors and large windows, and flow seamlessly into each other. The kitchen has granite countertops and stainless appliances. There are 2 fireplaces on the main

    Dana Cooper Max Broock, REALTORS®-Birmingham

    26015 Allor Ave, Huntington Woods, MI 48070
  • /21

    $150,000

    • 1 Bed
    • 1 Bath
    • 849 Sq Ft

    5000 Town Center Unit 507, Southfield, MI 48075

    Discover your dream home in this beautifully renovated 1-bedroom, 1-bathroom condo at 5000 Town Center, Southfield, MI! It is 849 sq ft of stylish, move-in-ready space. Key Features: ? Newly renovated kitchen with sleek appliances and modern finishes ? Updated bathroom with contemporary fixtures ? Convenient in-unit washer and dryer ? Spacious open-concept living area filled with natural light ?

    Justin Tibble NEXGEN Realty

    5000 Town Center Unit 507, Southfield, MI 48075
  • /17

    $139,900

    • 3 Beds
    • 1.5 Baths
    • 1,030 Sq Ft

    19215 Winthrop St, Detroit, MI 48235

    Welcome to 19215 Winthrop, a fully remodeled bungalow on Detroits west side! Home has been updated from top to bottom with fresh walls, modern paint, and sleek recessed lighting throughout. The brand new kitchen is a true showpiece, offering contemporary finishes & space to cook..& gather. With two completely renovated bathrooms, every detail has been designed for comfort and style. Enjoy the

    Michell Apati Century 21 Curran & Oberski

    19215 Winthrop St, Detroit, MI 48235
  • /26

    $105,900

    • 3 Beds
    • 1 Bath
    • 832 Sq Ft

    22530 Leewin St, Detroit, MI 48219

    Charming 3-bedroom, 1-bathroom home offering comfort, convenience, and potential! This move-in ready property is perfect for a first-time home buyer or a savvy investor looking to expand their portfolio. Enjoy being just minutes away from local parks, schools, shopping centers, and major freeways, making commuting a breeze. With plenty of nearby dining, entertainment, and community amenities,

    Matika Smith Fisher Keller Williams First

    22530 Leewin St, Detroit, MI 48219
  • /34

    $195,000

    • 2 Beds
    • 2 Baths
    • 1,340 Sq Ft

    5000 Town Center Unit 2904, Southfield, MI 48075

    Experience luxury high-rise living in this beautifully updated 2-bedroom, 2-bathroom condo on the 29th floor of the highly desirable 5000 Town Center. This spacious unit features a fully remodeled kitchen with sleek quartz countertops, new stainless steel appliances, and ample cabinetry—ideal for both everyday living and entertaining. Both bathrooms have also been upgraded with stylish quartz

    Anna Holland Showtime Realty

    5000 Town Center Unit 2904, Southfield, MI 48075
  • /72

    $2,400,000

    • 4 Beds
    • 5 Baths
    • 4,400 Sq Ft

    586 Fairfax St, Birmingham, MI 48009

    In the heart of Quarton Lake, this completely reimagined and newly expanded colonial blends timeless architecture with the feel of a brand-new custom home. Every element—from the foundation up—has been thoughtfully renovated with today’s most refined finishes and features.The main level showcases a stunning chef’s kitchen with oversized island, prep kitchen, and walk-in pantry, flowing

    Alexander Chapman @properties Christie's Int'l R.E. Birmingham

    586 Fairfax St, Birmingham, MI 48009
  • /22

    $199,900

    • 2 Beds
    • 1 Bath
    • 630 Sq Ft

    400 Josephine Ave, Royal Oak, MI 48067

    Do not let your opportunity to own this charming and stylish home located in a prime area of Royal Oak pass you by! With 630 sq. ft. of well-designed space, this home offers surprising comfort and functionality. The two bedrooms and living room feature new vinyl plank flooring, adding a modern touch. Step into the spacious living room—perfect for relaxing and no neighbors walking above you! The

    Marian Grout DOBI Real Estate

    400 Josephine Ave, Royal Oak, MI 48067
  • /18

    $140,000

    • 2 Beds
    • 1 Bath
    • 1,040 Sq Ft

    19170 Mansfield St, Detroit, MI 48235

    Nestled in the heart of Detroit, Michigan, the single-family residence at 19170 Mansfield ST presents an opportunity to own a piece of classic Americana. The residence includes three bedrooms, offering ample space for restful nights and the flexibility to create personalized sanctuaries. A single bathroom provides a dedicated space for morning routines and evening relaxation. Constructed in 1939,

    Norm Campbell Keller Williams Realty-Great Lakes

    19170 Mansfield St, Detroit, MI 48235
  • /25

    $396,000

    • 4 Beds
    • 2.5 Baths
    • 2,200 Sq Ft

    19780 Mahon St, Southfield, MI 48075

    Motivated Seller, this home qualifies for first-time homebuyers grants and other home buying grant programs. With a spacious open floor plan connecting the family room, dining area, and kitchen, this home offers comfortable living and easy entertaining. First floor room offers the option for a fourth bedroom or home office. Spacious primary bedroom suite with private ensuite bathroom and walk-in

    Christopher Wallington KW Domain

    19780 Mahon St, Southfield, MI 48075
  • /31

    $775,000

    • 3 Beds
    • 3.5 Baths
    • 2,034 Sq Ft

    1489 Holland St, Birmingham, MI 48009

    Newer build 3 bedroom, 3 1/2 bath colonial constructed in 2002 featuring an eat-in kitchen with granite countertops and stainless steel appliances, seamlessly connecting to the dining area. Enjoy direct access from both the dining room and kitchen to the backyard deck. A dual-sided fireplace adds warmth and ambiance between the dining room and living room. The master bedroom is spacious,

    Chris Pero Max Broock, REALTORS®-Birmingham

    1489 Holland St, Birmingham, MI 48009
  • /56

    $3,700,000

    • 5 Beds
    • 10 Baths
    • 6,413 Sq Ft

    375 Dunston Rd, Bloomfield Hills, MI 48304

    Prestigious 1.69 acre estate home in the heart of the city of Bloomfield Hills. Gorgeous gourmet kitchen with double islands, SS wolf 6 burner gas stove, Sub Z side by side ref/freezer, double ovens and dishwashers,and granite counters with a large sun filled nook. Beautiful family room with vaulted ceiling. Main level wine room. Formal DR and Gracious Living Room. Wood paneled library. Four

    Chris Pero Max Broock, REALTORS®-Birmingham

    375 Dunston Rd, Bloomfield Hills, MI 48304
  • /24

    $309,900

    • 2 Beds
    • 2 Baths
    • 922 Sq Ft

    3339 Gardner Ave, Berkley, MI 48072

    Welcome to this beautifully renovated gem just steps from Downtown Berkley! Every inch has been updated for modern living, starting with two stunning new bathrooms and a fully redesigned kitchen featuring quartz countertops, stylish backsplash, and all-new finishes. Enjoy peace of mind with a brand-new furnace and AC unit, plus freshly painted interior and exterior for instant curb appeal. The

    Reina Snively DOBI Real Estate

    3339 Gardner Ave, Berkley, MI 48072
  • /44

    $350,000

    • 4 Beds
    • 3.5 Baths
    • 1,914 Sq Ft

    27166 Sutherland St, Southfield, MI 48076

    Welcome to this beautifully maintained home, nestled on a desirable corner lot in a well-established, family-friendly suburban neighborhood. This inviting property combines timeless charm with thoughtful modern updates, including a brand-new kitchen with all new appliances and fully renovated bathrooms.Gleaming hardwood floors flow through most of the living spaces, with a cozy family

    Justin Ford EXP Realty Plymouth

    27166 Sutherland St, Southfield, MI 48076
  • /12

    $200,000

    • 3 Beds
    • 2.5 Baths
    • 1,016 Sq Ft

    20298 Redfern St, Detroit, MI 48219

    Step into this beautifully updated ranch-style home featuring an open floor plan that seamlessly connects the kitchen and great room. Enjoy gleaming hardwood floors throughout the kitchen and all three main-level bedrooms. The kitchen shines with brand-new white shaker cabinets, granite countertops, and a layout perfect for entertaining.The spacious great room is filled with natural light

    Darryl Sanders Treasure Homes, Inc

    20298 Redfern St, Detroit, MI 48219
  • /28

    $164,900

    • 3 Beds
    • 1 Bath
    • 1,100 Sq Ft

    21901 Sloman St, Oak Park, MI 48237

    This charming 3-bedroom, 1-bath home offers comfort, style, and convenience. Step inside to find new vinyl plank flooring throughout, a beautifully updated kitchen with newer cabinets and quartz countertops, and a tiled bath surround for a modern touch. The spacious fenced-in backyard is perfect for relaxing, gardening, or entertaining. With its solid brick exterior and thoughtful updates, this

    Anna Lawley National Realty Centers, Inc

    21901 Sloman St, Oak Park, MI 48237
  • /29

    $435,000

    • 3 Beds
    • 2.5 Baths
    • 1,908 Sq Ft

    30435 Oakview Way, Bingham Farms, MI 48025

    Welcome home to this beautiful condo, offering the perfect blend of privacy, wooded ravine views, and prime location. The main floor features bright, open living spaces, a formal dining room and living room with gas fireplace and floor to ceiling windows. The large kitchen includes granite counters, built-in refrigerator, and a cozy breakfast nook, with easy access to the patio for outdoor

    Meg Stenger KW Domain

    30435 Oakview Way, Bingham Farms, MI 48025
  • /11

    $130,000

    • 3 Beds
    • 1 Bath
    • 995 Sq Ft

    18968 Vaughan St, Detroit, MI 48219

    INVESTORS WELCOMED:1 percent rule applied, tenant occupied, paying $1300Freshly painted walls enhance the light-filled bedrooms and the inviting living room, creating a warm and welcoming ambiance. The expansive basement provides ample storage space or the potential for a personalized recreation or hobby area.Step outside to enjoy a fully fenced yard—ideal for relaxation,

    Antonio Tuppins Brookstone, Realtors LLC

    18968 Vaughan St, Detroit, MI 48219
  • /55

    $795,000

    • 3 Beds
    • 2.5 Baths
    • 1,776 Sq Ft

    1207 Villa Rd, Birmingham, MI 48009

    Step into timeless elegance with this stunning 1926 home in the highly sought-after Rail District of Birmingham. From the original vintage hardware to gleaming hardwood floors, leaded glass doors, and an inviting front porch, every detail has been meticulously preserved and enhanced over the years.Inside, the first floor welcomes you with soaring 9-foot ceilings, plaster walls, exquisite

    Jennifer Zachary Max Broock, REALTORS®-Birmingham

    1207 Villa Rd, Birmingham, MI 48009
  • /80

    $2,650,000

    • 4 Beds
    • 7 Baths
    • 6,388 Sq Ft

    25265 Canterbury Rd, Franklin, MI 48025

    Prestigious Franklin Village Estate on 1.58 AcresWelcome to this one-of-a-kind estate in the heart of Franklin Village, offering over 6,000 square feet of luxurious living spacedesigned for both comfort and entertainment. Perfectly set on 1.58 acres of private, landscaped grounds, this home is a rareblend of elegance and resort-style amenities.Inside, expansive living and

    Jeries Nahhas ICON Realty Experts, LLC

    25265 Canterbury Rd, Franklin, MI 48025
  • /50

    $1,250,000

    • 3 Beds
    • 4.5 Baths
    • 2,620 Sq Ft

    488 Vinewood Ave, Birmingham, MI 48009

    CHARMING HOME IN BIRMINGHAM YOU WILL BE ENCHANTED THE MOMENT YOU WALK THROUGH THE DOOR OF THIS STUNNING HOME, LOCATED JUST STEPS FROM LOCAL RESTAURANTS ,SHOPPING AND PARKS. THIS ONE-OF-A-KIND BOASTS A WIDE OPEN FLOOR PLAN WITH HARDWOOD FLOORS AND CUSTOM CABINETRY THROUGHOUT. BEAUTIFULLY UPDATED 3-BEDROOM, 4.5 BATH HOME OFFERS TIMELESS CHARACTER . UPDATED IN 2024 , THIS HOME FEATURES TWO SPACIOUS

    Debbie Megdall Michigan First Realty LLC

    488 Vinewood Ave, Birmingham, MI 48009
  • /4

    $164,900

    • Land
    • 0.11 Acre
    • $1,499,091 per Acre

    1137 Larkmoor Blvd, Berkley, MI 48072

    Welcome to the heart of Berkley where a prime piece of vacant land is waiting for you to make your mark! This is an exceptional building opportunity in a great neighborhood and a superb location within walking distance of parks, shops, restaurants, and more! Recently built homes are going for $700k+. Located just off of Woodward Avenue, these opportunities are few and far between. The property

    David Linsley Realty Executives Home Towne Shelby

    1137 Larkmoor Blvd, Berkley, MI 48072
  • /33

    $225,000

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

    12741 Oak Park Blvd, Oak Park, MI 48237

    Stunning! $45,000 invested in improvements and updates in the past 6 months! New kitchen cabinets, New countertops, New breakfast bar, Granite counter, Updated plumbing, Corner sink with views out sunny window, New Stainless Refrigerator, New dishwasher, New subway tile backsplash, New bathroom vanity, New LVP floors, New blinds and shades, New carpet, New glass block windows, Refinished

    Nancy Grobbel NHL Real Estate

    12741 Oak Park Blvd, Oak Park, MI 48237
  • /38

    $299,900

    • 3 Beds
    • 2.5 Baths
    • 1,951 Sq Ft

    12750 Dartmouth St, Oak Park, MI 48237

    Well laid out, spacious brick ranch with 3 bedrooms, 3 bathrooms, (2 full 1 1/2 bath) wood floors throughout most of the main level. Three seasons room with deck, full size basement and much more.

    Brad Weber Weber Brokerage

    12750 Dartmouth St, Oak Park, MI 48237
  • /25

    $260,000

    • 3 Beds
    • 1.5 Baths
    • 1,573 Sq Ft

    920 W Elmwood Ave, Clawson, MI 48017

    Investor special in a prime Clawson location! This 3-bedroom, 1.5-bath brick tri-level with an attached garage offers tons of potential and is priced to reflect the repairs and updates needed, making it a great opportunity to flip or customize into your dream home. The home features a privacy-fenced yard, living room on the main level, and a family room in the lower level. Updates already started

    Amy Cairns Realty Executives Home Towne

    920 W Elmwood Ave, Clawson, MI 48017
  • /9

    $215,000

    • 3 Beds
    • 1.5 Baths
    • 1,167 Sq Ft

    24220 Sunnypoint Dr, Southfield, MI 48033

    Charming 3-bedroom, 1.5-bath ranch in a highly desirable Southfield area that offers 1,167 square feet of comfortable living space. Featuring a functional layout, this home is perfect for creating a space that fits your lifestyle. The large backyard provides plenty of room for outdoor enjoyment and is ready for the new owner’s personal touch. Property is being sold AS-IS, but Seller will replace

    Courtney Bates Front Page Properties

    24220 Sunnypoint Dr, Southfield, MI 48033
  • /50

    $1,999,000

    • 4 Beds
    • 5.5 Baths
    • 3,604 Sq Ft

    7371 Lindenmere Dr, Bloomfield Hills, MI 48301

    Inspired European architecture, creates a modern retreat in Bloomfield Hills. Nestled within a lush, wooded setting, this exceptional residence offers a rare fusion of contemporary design and serene privacy. Defined by clean lines and expansive windows, the home is purposefully designed to bring the outdoors in, creating a seamless connection between nature and sophisticated living. Inside, the

    Renee Lossia Acho KW Domain

    7371 Lindenmere Dr, Bloomfield Hills, MI 48301
  • /11

    $47,500

    • 2 Beds
    • 1 Bath
    • 779 Sq Ft

    20093 Faust Ave, Detroit, MI 48219

    Opportunity knocks!! Great potential! Two bedroom ranch on a basement at a really great price!! Eat-in kitchen. Ceramic bath with ceramic tub surround. Basement with tile floor. Vinyl shed in yard. Price reflects needed repairs and or updates. Being sold strictly as-is...seller will do no cleanout nor any repairs. No FHA or VA offers please. All sizes shown are strictly estimates. Information

    John Graham John Graham Realty, LLC

    20093 Faust Ave, Detroit, MI 48219
  • /17

    $199,999

    • 3 Beds
    • 1.5 Baths
    • 1,305 Sq Ft

    21450 Evergreen Rd, Southfield, MI 48075

    Welcome to this 3 bedroom ranch home, nestled within a serene, Southfield community. With a solid turnkey foundation, this is a fantastic opportunity for the right buyer to bring their vision to life. Designed for both comfort and functionality, the heart of the home offers a cozy fireplace just off the kitchen. Step outside from the living room to enjoy a nice, private yard. A well-sized

    Erica Jeffries North American Real Estate LLC

    21450 Evergreen Rd, Southfield, MI 48075
  • /27

    $259,900

    • 3 Beds
    • 3 Baths
    • 1,395 Sq Ft

    21661 Cloverlawn St, Oak Park, MI 48237

    Beautifully updated brick ranch in Oak Park with fresh modern charm and 1,395 square feet of living space to enjoy! A bright, sunlit living room with hardwood floors that lead to a brand-new open kitchen with new cabinets and stainless steel appliances. Charming dining area and flex room conveniently located off the kitchen. The home boasts three generously sized bedrooms, recently remodeled one

    Chris George Advanced Realty Professionals

    21661 Cloverlawn St, Oak Park, MI 48237
  • /69

    $1,149,900

    • 4 Beds
    • 3.5 Baths
    • 2,925 Sq Ft

    4102 Woodland Ave, Royal Oak, MI 48073

    Move-in ready HUNTER ROBERTS-built home featuring a modern, flowing floor plan and decorator-perfect design throughout. Gourmet kitchen boasts top-of-the-line appliances, sleek quartz countertops, and a spacious walk-in pantry—ideal for everyday living and entertaining. Main floor includes a home office/den and beautiful hardwood flooring.The expansive primary suite offers custom JOHN

    Gjoni Sinishta KW Domain

    4102 Woodland Ave, Royal Oak, MI 48073
  • /35

    $364,900

    • 3 Beds
    • 1.5 Baths
    • 1,649 Sq Ft

    28670 Inkster Rd, Southfield, MI 48034

    Welcome to This **Absolutely gorgeous !! TURN KEY** Beautiful Brick Ranch, This lovely home offers plenty of nicely added upgrades ** will have you fall in love at first sight, w/ the gleaming premium quality Laminate floors throughout & entrance that opens into a bright Living room w/Recess Lights, Natural Fireplace and gourmet/modern Kitchen w/ Design Cabinets, and Quartz Countertop, w/all New

    Diana Mamo Community Choice Realty Inc

    28670 Inkster Rd, Southfield, MI 48034
  • /41

    $1,249,900

    • 4 Beds
    • 5.5 Baths
    • 2,918 Sq Ft

    2438 Evergreen Dr, Royal Oak, MI 48073

    Welcome to this custom-built colonial, ideally situated near both Downtown Royal Oak and Downtown Birmingham. A rare offering, this home sets the standard for luxury living with timeless design and modern craftsmanship. The main floor opens with a bright foyer and private office framed by glass and custom wall treatments. The chef’s kitchen anchors the home with a massive quartz island,

    Christian Grothe Max Broock, REALTORS®-Birmingham

    2438 Evergreen Dr, Royal Oak, MI 48073
  • /15

    $469,900

    • 5 Beds
    • 3.5 Baths
    • 2,933 Sq Ft

    19245 Eldridge Ln, Southfield, MI 48076

    5 bed room 3 and half bath quad level home. Well updated nearly 2200 sq foot of living space. New kitchen with shaker cabinets and granite tops. 3 full baths baths, upper bath has double vanities for those busy mornings. New windows, and a whole house water filtration system, and central vacuum though out. Heating is baseboard with a whole house combo tankless water heater/boiler for greater open

    Mark Scully Berkshire Hathaway HomeServices Kee Realty

    19245 Eldridge Ln, Southfield, MI 48076

Showing Results 281 - 320, Page 8 of 18

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