Homes for Sale near Matthews Christian Academy

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  /24

  $285,000

  • 3 Beds
  • 2.5 Baths
  • 1,355 Sq Ft

  5429 Idlewild Rd N, Charlotte, NC 28227

  3 bedrooms up with open floor plan down. Great rental property or first time home buyer option with a fenced back yard and full one-car garage. At the end of Idlewild on a subdivision street, not on the busy road. Natural gas exists at the home so there is the option to change the kitchen range from electric to gas. Ceiling fans throughout most of home to keep it cool and cozy. Home is sold "as

  Kelly Bost-Warren ERA Live Moore

  5429 Idlewild Rd N, Charlotte, NC 28227
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  /30

  $294,500

  • 3 Beds
  • 2.5 Baths
  • 1,474 Sq Ft

  7337 Rosehall Dr, Charlotte, NC 28227

  Welcome to this beautifully maintained home in the heart of Charlotte, NC! This charming residence features a durable brick and vinyl exterior, combining classic curb appeal with low-maintenance convenience. Step inside to discover a thoughtfully designed layout filled with natural light, perfect for both relaxing and entertaining. The spacious living areas flow seamlessly, while the cozy

  Ian Stevens MATHERS REALTY.COM

  7337 Rosehall Dr, Charlotte, NC 28227
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  /47

  $1,875,000 New Construction

  • 4 Beds
  • 4.5 Baths
  • 3,877 Sq Ft

  5035 Gilchrist Rd Unit 1B, Charlotte, NC 28211

  Trinity Park is a new construction TO BE BUILT, boutique community of 6 luxury end unit townhomes, w/ primary-on-main & lock & leave convenience. Centrally located btw Cotswold & Foxcroft, the duets are mins to SouthPark & Uptown! Premium finishes: hardwood floors, Wolf/Sub-Zero appliance pkg, semi-custom cabinetry, & designer fixtures. Kitchen with oversized island w/ a great view of the Living

  Winnie Simmons Dickens Mitchener & Associates Inc

  5035 Gilchrist Rd Unit 1B, Charlotte, NC 28211
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  /22

  $179,900

  • 2 Beds
  • 1.5 Baths
  • 902 Sq Ft

  6407 Windsor Gate Ln, Charlotte, NC 28215

  This beautiful move-in ready townhome offers modern comfort and everyday convenience in a prime location. Featuring 2 bedrooms and 1.5 bathrooms, this home showcases an open floor plan filled with natural light, updated flooring, and a spacious living area perfect for relaxing or entertaining. The kitchen features sleek countertops, stainless steel appliances, a stylish backsplash, and opens to a

  Philip Ostwalt Your Realty PRO Brokerage Services LLC

  6407 Windsor Gate Ln, Charlotte, NC 28215
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  /16

  $305,000

  • 2 Beds
  • 1.5 Baths
  • 1,136 Sq Ft

  9004 Nolley Ct Unit F, Charlotte, NC 28270

  Move-in ready townhome in desirable Sardis Forest Patio Home Community. This updated 2-bed, 1.5-bath home features a bright kitchen with granite countertops, stainless steel appliances, white cabinetry, and bar open to family room. The open living area flows to a private fenced brick paver patio, backing to wooded common area, perfect for relaxing or entertaining. Upstairs offers two spacious

  Jill Thomas COMPASS

  9004 Nolley Ct Unit F, Charlotte, NC 28270
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  /9

  $474,345 New Construction

  • 5 Beds
  • 3 Baths
  • 2,653 Sq Ft

  5835 Stewarts Landing Rd Unit 69, Charlotte, NC 28215

  Introducing the sought-after Hampton floor plan—a 5-bedroom home that truly has it all! Thoughtfully designed with luxury finishes throughout, this home features a bedroom and full bath on the main level, perfect for guests. The open-concept main level also includes a dedicated office, ideal for remote work. Upstairs, you'll find four additional bedrooms and a versatile loft space. Step outside

  Leslie Fury Pulte Home Corporation

  5835 Stewarts Landing Rd Unit 69, Charlotte, NC 28215
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  /32

  $183,500

  • 2 Beds
  • 2 Baths
  • 1,071 Sq Ft

  8015 Cedar Glen Dr, Charlotte, NC 28212

  Welcome to this inviting, light drenched, 2 bed/2 bath home, where comfort meets tranquility. This one-owner condo has been freshly painted and features gleaming wood floors in the main living areas & newer carpet in the bedrooms-just steam-cleaned, all-new windows and doors for energy efficiency and peace of mind. The heart of this home is the spacious covered back patio—a true retreat where you

  Melissa Polce Coldwell Banker Realty

  8015 Cedar Glen Dr, Charlotte, NC 28212
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  /47

  $1,825,000 New Construction

  • 4 Beds
  • 4.5 Baths
  • 3,877 Sq Ft

  5031 Gilchrist Rd Unit 1A, Charlotte, NC 28211

  Trinity Park is a new construction TO BE BUILT, boutique community of 6 luxury end unit townhomes, w/ primary-on-main & lock & leave convenience. Centrally located btw Cotswold & Foxcroft, the duets are mins to SouthPark & Uptown! Premium finishes: hardwood floors, Wolf/Sub-Zero appliance pkg, semi-custom cabinetry, & designer fixtures. Kitchen with oversized island w/ a great view of the Living

  Winnie Simmons Dickens Mitchener & Associates Inc

  5031 Gilchrist Rd Unit 1A, Charlotte, NC 28211
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  $1,950,000 New Construction

  • 3 Beds
  • 3.5 Baths
  • 3,201 Sq Ft

  Duet Townhome Plan at Ferncliff at Cotswold, Charlotte, NC 28211

  The Ferncliff Duet Townhomes at Cotswold offer sophisticated three-bedroom homes, each with private entrances, flexible living spaces, and spacious two-car garages. Thoughtfully crafted with a blend of modern and transitional design elements, these residences complement the charm of their sought-after Cotswold setting. Inside, you’ll find an impressive array of luxury custom finishes and

  The Beechwood Organization Builder

  1640 Ferncliff Rd Unit 37690968, Charlotte, NC 28211
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  /40

  $800,000

  • 4 Beds
  • 2.5 Baths
  • 3,000 Sq Ft

  8044 Hawk Crest Ct, Charlotte, NC 28270

  Let’s go! Incredible value—best pricing in Beverly Crest! The spacious main-level primary suite features a walk-in closet with custom system and an ensuite bath with garden tub and separate shower. The kitchen offers granite countertops, stainless steel appliances, under-cabinet lighting, two pantries, and abundant cabinetry. The great room showcases a vaulted ceiling and cozy fireplace with gas

  Trisha Hamilton NextHome Paramount

  8044 Hawk Crest Ct, Charlotte, NC 28270
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  /2

  $675,000

  • 3 Beds
  • 2 Baths
  • 2,179 Sq Ft

  1420 Rama Rd, Charlotte, NC 28211

  Exceptional opportunity to own a home in South Charlotte on generous lot. The location is both convenient and fitting for comfortable living.

  Kirk Sipe Southern Homes of the Carolinas, Inc

  1420 Rama Rd, Charlotte, NC 28211
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  /11

  $3,175,000 New Construction

  • 6 Beds
  • 5.5 Baths
  • 5,316 Sq Ft

  1020 Jefferson Dr, Charlotte, NC 28270

  Proposed completion December. Stunning new construction by THR Design Build on .54 acre lot in Jefferson Park. One of a kind custom built two story home with heated saltwater POOL and SPA. This ENERGY STAR home includes 5,316 sf, 6 BR, 5 full BA, 1 powder room, a bonus room, office, 2 fireplaces, a 2 car garage, and prewired for electric car. Enter the main entryway with dining room to the right

  Anne Monsted COMPASS

  1020 Jefferson Dr, Charlotte, NC 28270
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  /48

  $679,000

  • 3 Beds
  • 2 Baths
  • 2,710 Sq Ft

  1622 Piccadilly Dr, Charlotte, NC 28211

  Welcome home to this charming ranch in the sought-after Stonehaven neighborhood! This 3-bed, 2-bath home sits on a large .61-acre lot and was just freshly painted inside and out, giving it a bright, move-in-ready feel. A stunning sunroom with vaulted ceilings and skylights provides the perfect spot for year-round enjoyment. The updated kitchen features granite countertops and plenty of cabinets,

  Kyle Bender EXP Realty LLC Ballantyne

  1622 Piccadilly Dr, Charlotte, NC 28211
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  /46

  $515,000

  • 4 Beds
  • 2.5 Baths
  • 2,145 Sq Ft

  6517 Old Magnolia Ln, Mint Hill, NC 28227

  Welcome to this move-in-ready, two-story home in the highly sought-after Brighton Park community. Situated on a premium corner lot, this 4-bedroom, 2.5-bath residence is thoughtfully designed for comfort, functionality, and modern living. The main level offers open living and dining spaces that flow seamlessly into the updated kitchen with Samsung appliances, perfect for entertaining or everyday

  Bethaina Joudi Keller Williams Ballantyne Area

  6517 Old Magnolia Ln, Mint Hill, NC 28227
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  /26

  $215,000

  • 2 Beds
  • 1 Bath
  • 766 Sq Ft

  932 Hollywood St, Charlotte, NC 28211

  This home is an incredible opportunity for anyone looking to enter the housing market with affordability and confidence. The seller has already purchased another home and is motivated to make this a smooth, easy sale for the next owner. Discover the perfect blend of affordability, charm, and convenience at 932 Hollywood Street. This beautifully maintained all-brick end unit is tucked away in a

  Emily Powell United Real Estate-Queen City

  932 Hollywood St, Charlotte, NC 28211
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  /40

  $670,000

  • 4 Beds
  • 2.5 Baths
  • 2,090 Sq Ft

  7501 Folger Dr, Charlotte, NC 28226

  Step into a welcoming South Charlotte home with a comfortable layout and a prime location. Hardwood floors and abundant natural light create an inviting atmosphere throughout the main living areas. The spacious bedrooms include a primary suite with a generous walk-in closet, and the oversized laundry/drop zone adds valuable everyday convenience. One of the secondary bedrooms features a

  Elaine Cobb Keller Williams South Park

  7501 Folger Dr, Charlotte, NC 28226
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  /29

  $675,000

  • 4 Beds
  • 3 Baths
  • 2,335 Sq Ft

  741 McAlway Rd, Charlotte, NC 28211

  Turnkey home situated in Cotswold offers a great layout w/ lots of flexible space. 4BD/3BA compliment the open floor plan w/ continued living space outdoors. Kitchen nicely updated w granite countertops, tile backsplash, white cabinets & SS appliances including gas range. Large living space w elevated ceiling detail & surround sound. Back deck spans width of the home & leads to a flat backyard.

  Lauren Dayton Helen Adams Realty

  741 McAlway Rd, Charlotte, NC 28211
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  /22

  $410,000

  • 2 Beds
  • 2 Baths
  • 1,503 Sq Ft

  2741 Circa Dr Unit A2741, Matthews, NC 28105

  One story 2 bed 2 bath home in highly sought after Bellasera Villas neighborhood, which provides a balance of privacy, accessibility, and low maintenance living. Featuring neutral finishes, with LVP and ceramic tile flooring and 9’ ceilings throughout. Open concept living and dining room with vaulted ceilings in the living room and a tray ceiling in the dining room. Sunburst window allows plenty

  Tracy Dowling Homecoin.com

  2741 Circa Dr Unit A2741, Matthews, NC 28105
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  /15

  $324,900

  • 3 Beds
  • 2.5 Baths
  • 1,661 Sq Ft

  2819 Royal Ridge Ln, Charlotte, NC 28212

  Completely renovated prior to current tenats move in - 3 Bedroom, 2.5 Bath, 2 Story home currently Tenant occupied $1,895/mo, lease expires 6/30/26 - PLEASE DO NOT DISTURB TENANT - New Flooring, Carpet and Paint throughout - GREAT Location! Don't miss this rare opportunity in Idlewild Woods !! Seller may consider LEASE OPTION or Rent to Own to qualified buyer with at least 20% down !!!!!

  Jeff Beiser Beiser Realty Group

  2819 Royal Ridge Ln, Charlotte, NC 28212
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  /15

  $2,000,000 New Construction

  • 6 Beds
  • 5.5 Baths
  • 4,338 Sq Ft

  1007 Dacavin Dr, Charlotte, NC 28226

  Discover 1007 Dacavin Drive—meticulously crafted new construction where timeless architecture meets exceptional interior detail in the heart of South Charlotte’s coveted Chambery neighborhood. Currently under construction with anticipated completion in January 2026, this 6-bedroom, 5.5-bath home offers over 4,300 square feet of refined living space. A custom iron and glass arched front door makes

  Joe Fontana Chelsea Realty LLC

  1007 Dacavin Dr, Charlotte, NC 28226
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  /14

  $187,000

  • 2 Beds
  • 2 Baths
  • 1,236 Sq Ft

  6005 Pinebark Ct, Charlotte, NC 28212

  Previously updated 2bed/2bath + Extra bonus room condo makes this perfect for downsizing, first time home buyers or investors. Lower End-Unit provides tons of surrounding greenery for nature enthusiasts and extra privacy. Step into a spacious open-concept layout featuring a large family room with a cozy gas fireplace and an expansive dining area perfect for entertaining. Adjacent Kitchen boasts

  Cheryl Siegfried Redfin Corporation

  6005 Pinebark Ct, Charlotte, NC 28212
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  /8

  $185,000

  • 2 Beds
  • 1 Bath
  • 882 Sq Ft

  910 McAlway Rd Unit A, Charlotte, NC 28211

  McAlway Manor Condominiums are in the fabulous Cotswold neighborhood and a 5-6 min drive uptown. It is a very unique opportunity to own any 2-bedroom home in Cotswold for so far under 300k . THIS PROPERTY IS TENANT OCCUPIED THROUGH OCTOBER 31,2024. LEASE TERMS MUST BE HONERED UNTIL THEN. The tenant’s current rent is $1250.00 a month. Rent-roll available for interested buyers. Nice home with

  Eric Strom Carolina Valor Realty LLC

  910 McAlway Rd Unit A, Charlotte, NC 28211
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  /45

  $410,000

  • 3 Beds
  • 2.5 Baths
  • 1,829 Sq Ft

  10830 Kempton Square N, Mint Hill, NC 28227

  Beautiful all brick end unit in highly sought-after Brighton Park with a floor plan that checks all the boxes. The main level offers a primary bedroom with an updated en-suite bath and a convenient stackable laundry area. The kitchen and living areas feature hardwood floors, granite countertops, stainless steel appliances, and abundant windows that fill the home with natural light. Upstairs you

  Jennifer Ledford EXP Realty LLC Ballantyne

  10830 Kempton Square N, Mint Hill, NC 28227
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  /4

  $425,000

  • Land
  • 0.6 Acre
  • $708,333 per Acre

  1324 Carolyn Dr, Charlotte, NC 28205

  Back on the market through no fault of the seller. Beautiful lot recorded at .60 acres ready to start a new construction build. Established area near town. The existing structure was demolished due to code violations. Priced below tax value. Please submit POF or pre-approval letter with all offers.

  Lea Coston Heritage Realty Group

  1324 Carolyn Dr, Charlotte, NC 28205
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  /37

  $500,000

  • 3 Beds
  • 3.5 Baths
  • 1,906 Sq Ft

  6027 Towering Oaks Dr, Charlotte, NC 28205

  Modern Elegance in the Heart of Charlotte! Welcome to this stunning and immaculate 3-bedroom townhome situated in the popular Hudson Oaks community. This stunning home offers the perfect blend of contemporary design and functional living thoughtfully laid out across three levels. Step inside to discover a versatile first-floor flex room—ideal for a home office, guest suite, or media room along

  Mitchell Jones Coldwell Banker Realty

  6027 Towering Oaks Dr, Charlotte, NC 28205
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  /22

  $224,500

  • 2 Beds
  • 2 Baths
  • 1,110 Sq Ft

  1034 Sardis Cove Dr, Charlotte, NC 28270

  BACK ON THE MARKET" No Fault of the Seller". "PRICE REDUCED on this 2 bedroom / 2 full bath townhome! Seller has authorized a drastic price drop to secure a doable contract on this Gem in Sardis Cove. This spacious, ground level unit is being sold "As Is". Seller is including all appliances and any remaining furniture for the right buyer who can close quickly. (Certain restrictions apply.) Step

  Theautry Green Green Group Realty of the Carolinas LLC

  1034 Sardis Cove Dr, Charlotte, NC 28270
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  /30

  $720,000

  • 5 Beds
  • 2.5 Baths
  • 3,527 Sq Ft

  5221 Blackjack Ln, Mint Hill, NC 28227

  Here is your chance to own this beautiful 5 bed, 2.5 bath home with over 3500 sq ft of living space! After admiring the fantastic curb appeal, step inside and marvel at the tasteful updates this home has to offer. A vaulted entry way ceiling and vintage sliding doors are a warm welcome to this fantastic layout. The downstairs floor plan is a tasteful mix between an open concept and the

  Ryan Pagano Mission Realty

  5221 Blackjack Ln, Mint Hill, NC 28227
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  /2

  $689,000

  • Land
  • 1.48 Acres
  • $465,541 per Acre

  8024 Fairview Rd, Charlotte, NC 28227

  Traffic , Traffic, Traffic!!! Full of potential for your business!!!! Prime location in the heart of one of Mint Hills busiest intersections!! Only minutes off of the 485 interchange, and located right at the intersection of Hwy 218 and 51. You will be impressed with this opportunity. CLEARED AND READY FOR YOU TO BUILD TO SUIT!!!

  Alicia Love Howard Hanna Allen Tate Southland Homes + Realty LLC

  8024 Fairview Rd, Charlotte, NC 28227
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  /4

  $380,000

  • Land
  • 0.84 Acre
  • $452,381 per Acre

  521 Wilby Dr, Charlotte, NC 28270

  A rare opportunity to build a dream home between Upown and the Waverly/Arboretum shopping and entertainment areas with the greenway around the corner.Close to a variety of private and public schools in a quiet and tree covered neighborhood.

  Chris Linscheid Ivester Jackson Christie's

  521 Wilby Dr, Charlotte, NC 28270
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  /47

  $690,000 New Construction

  • 3 Beds
  • 3 Baths
  • 3,164 Sq Ft

  13618 Tranquil Day Dr, Matthews, NC 28105

  PRICED $20,000 BELOW APPRAISAL VALUE! New Luxury Build in prime Location of Phillips Village! Quick Commute to Uptown, Ballantyne, Waverly, Downtown Historic Matthews & I485. Main Level Boasts Primary Bed, 8' Doors, Guest Suite, 2 Full Bathrooms w Frameless Shower/Free Standing Tub, Champagne Bronze Fixtures & a Spacious Laundry Room. Open Floor Concept, European White Oak Flooring, Quartz Tops

  Bryant Stadler Helen Adams Realty

  13618 Tranquil Day Dr, Matthews, NC 28105
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  /26

  $460,000

  • 4 Beds
  • 2.5 Baths
  • 2,756 Sq Ft

  9800 Ashley Farm Dr, Matthews, NC 28105

  Welcome to this beautifully updated 2-story home in the desirable Ashley Farms community of Matthews! This spacious 4-bedroom, 2.5-bath residence offers over 2,700 sq. ft. of living space with an open floor plan designed for both comfort and functionality. The modern kitchen features an island, stylish light fixtures, and generous cabinet space. Enjoy cozy evenings by the living room fireplace

  Gopal Dhimal Keller Williams Ballantyne Area

  9800 Ashley Farm Dr, Matthews, NC 28105
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  /46

  $1,799,900

  • 5 Beds
  • 4.5 Baths
  • 4,340 Sq Ft

  915 Laurel Creek Ln, Charlotte, NC 28211

  Beautifully designed home in a fantastic South Charlotte location! This light-filled home has great flow for entertaining. The heart of the main level is the spacious chef's kitchen, with stainless appliances, an abundance of cabinetry, and separate bar area with a wine cooler. The kitchen is open to the large great room, anchored by a modern gas fireplace. A wall of sliders allows instant access

  Patty Rainey Corcoran HM Properties

  915 Laurel Creek Ln, Charlotte, NC 28211
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  /48

  $3,200,000

  • 5 Beds
  • 6 Baths
  • 5,250 Sq Ft

  1219 Coddington Place, Charlotte, NC 28211

  Custom built and perfectly situated on a rare .46-acre flat lot, this exceptional home offers luxury, comfort, and an ideal floorplan in the highly sought-after Cotswold neighborhood—just 10 minutes to Uptown and 5 minutes to SouthPark’s premier shopping and dining. The chef’s kitchen impresses with top-of-the-line appliances, a gas range with hood, double ovens, an oversized island, and a

  John Siddons Berkshire Hathaway HomeServices Carolinas Realty

  1219 Coddington Place, Charlotte, NC 28211
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  /17

  $819,000

  • 4 Beds
  • 3 Baths
  • 2,978 Sq Ft

  9327 Hunting Ct, Matthews, NC 28105

  Beautifully remodeled 4-bed, 3-bath home on over half an acre. This spacious 2,978 sq ft property features an open floor plan with vaulted ceilings, a stunning stone fireplace, built-ins, and a wet bar perfect for entertaining. The updated kitchen offers ample cabinet space and a large primary suite includes a spa-like bath with dual vanities, soaking tub, and walk-in tile shower. Enjoy a

  Brock Hennis Better Homes and Gardens Real Estate Paracle

  9327 Hunting Ct, Matthews, NC 28105
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  /18

  $285,000

  • 2 Beds
  • 2.5 Baths
  • 1,202 Sq Ft

  8031 Stoneham Ct, Matthews, NC 28105

  Beautifully renovated 2 Bed 2.5 bath town home in Charlotte NC ready for new owners. This home has all new appliances, new flooring, paint and new light fixtures creates a lasting impression once you walk in., This home is less than 10 miles away from Charlotte uptown. Malls and grocery stores are in close proximity

  Gregory Owens Keller Williams Ballantyne Area

  8031 Stoneham Ct, Matthews, NC 28105
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  /29

  $390,000

  • 3 Beds
  • 2 Baths
  • 1,517 Sq Ft

  6227 Thermal Rd, Charlotte, NC 28211

  This beautifully maintained 3-bedroom, 2-bath brick ranch offers the perfect blend of comfort and convenience. With a well-designed floorplan, this home features spacious living areas, ideal for both relaxing and entertaining. Enjoy the serene outdoors from the large back deck, complete with an above-ground pool—perfect for summer fun and gatherings. Located just minutes from all the best that

  Lisa Belk Mark Spain Real Estate

  6227 Thermal Rd, Charlotte, NC 28211
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  /42

  $712,400

  • 4 Beds
  • 3 Baths
  • 2,078 Sq Ft

  5324 Cheval Place, Charlotte, NC 28205

  Get ready to fall in love with this beautifully reimagined split-level gem at 5324 Cheval Pl—where modern design, thoughtful upgrades, and effortless comfort come together seamlessly. Set on over half an acre in the coveted Windsor Park community, this fully renovated 4-bedroom, 3-bath, home welcomes you with bright, open spaces and a layout perfect for families, guests, or multigenerational

  Beverly Butts Select Properties of the Carolinas LLC

  5324 Cheval Place, Charlotte, NC 28205
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  /9

  $830,000

  • Land
  • 0.84 Acre
  • $988,095 per Acre

  3034 N Sharon Amity Rd, Charlotte, NC 28205

  An exceptional opportunity awaits to develop 10 townhomes on a highly sought-after stretch of North Sharon Amity Lane. This property is zoned and ready to build, with approved civil plans and stamped engineering drawings already in place.Located in a well-established residential area, the lot offers excellent walkability to retail shops, restaurants, strip malls, fitness centers, and

  Chandra Mavuluri Tech Realty LLC

  3034 N Sharon Amity Rd, Charlotte, NC 28205
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  /38

  $425,000

  • 3 Beds
  • 2 Baths
  • 1,230 Sq Ft

  6115 Coltswood Ct, Charlotte, NC 28211

  Welcome to this charming 3 bed, 2 bath home tucked away on a peaceful Stonehaven cul-de-sac. Built in 1987, this home blends character with modern updates, offering the best of both worlds. Inside, you will find fresh paint throughout, brand new flooring, and tasteful updates to fixtures and finishes that elevate every room. The layout is warm and functional, perfect for both relaxing and

  Lauren Dayton Helen Adams Realty

  6115 Coltswood Ct, Charlotte, NC 28211
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  /13

  $110,000

  • Land
  • 2.19 Acres
  • $50,228 per Acre

  9836 Albemarle Rd, Charlotte, NC 28227

  Discover the perfect blend of peaceful country living and city convenience! This spacious 2.19-acre lot offers beautiful water views and is ideally situated just minutes from downtown Charlotte. Enjoy the serenity of a country setting while staying close to shopping, dining, and entertainment. A rare opportunity to build your dream home in a scenic location with easy access to city life.

  Erika White Coldwell Banker Realty

  9836 Albemarle Rd, Charlotte, NC 28227

Showing Results 481 - 520, Page 13 of 14