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Memphis, TN Homes for Sale with Garage

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  • /40

    $725,000

    New Construction $25K PRICE DROP
    • 4 Beds
    • 4.5 Baths
    • 3,600+ Sq Ft

    536 Wheaton Park Cove N, Memphis, TN 38120

    Gorgeous New Privacy Landscaping! Discover 536 Wheaton Park Cv, a stunning new construction nestled in a gated East Memphis community. This 4-bedroom, 4.5-bath home offers over 3,600 sq ft of refined living space. The main level features 10-foot ceilings, hardwood floors, and a gourmet kitchen with ceiling-height cabinetry, under-cabinet lighting, and solid surface countertops. A versatile bonus

    Elizabeth Bran The Firm

    536 Wheaton Park Cove N, Memphis, TN 38120
  • /40

    $960,000

    $360K PRICE DROP
    • 4 Beds
    • 5 Baths
    • 5,200+ Sq Ft

    371 W Cherry Cir, Memphis, TN 38117

    Fabulous custom gated home in Belle Meade with luxury details throughout! Perfect for entertaining inside and out! Soaring ceilings, arched doorways and windows, and rich millwork. Grand 2-story entry with marble floors, curved wall, and elegant staircase. Vaulted LR with fireplace opens to bright sitting room. Formal DR with bay window and tray ceiling. Renovated kitchen with island opens to

    Michelle Creamer Groome & Co.

    371 W Cherry Cir, Memphis, TN 38117
  • /39

    $449,995

    New Construction Open Sat 2PM - 3PM $10K PRICE DROP
    • 4 Beds
    • 2.5 Baths
    • 2,289 Sq Ft

    7206 State Line Rd, Memphis, TN 38125

    Experience luxury new construction sitting on 1.93 acres, county taxes only. This 2289sqft new home features a striking modern exterior highlighted by a metal roof accent for durability and energy efficiency, plus an architectural upgraded lighting package that elevates curb appeal. Inside, enjoy white oak brushed hardwood flooring, 8' shaker-style interior doors, and matte black and gold

    Cali Neal KAIZEN Realty, LLC

    7206 State Line Rd, Memphis, TN 38125
  • /23

    $240,000

    • 3 Beds
    • 2 Baths
    • 1,268 Sq Ft

    2974 Santa Valley St, Memphis, TN 38133

    From the moment you arrive, you'll appreciate the fresh curb appeal with newly painted brick and new shutters. This move-in ready 3-bedroom, 2-bath home offers a comfortable, inviting feel with smooth ceilings, neutral colors throughout, and a spacious great room that's perfect for gathering with family and friends. The detached workshop/garage is a wonderful bonus, complete with its own

    Amanda Roaten eXp Realty

    2974 Santa Valley St, Memphis, TN 38133
  • /2

    $124,000

    $26K PRICE DROP
    • 2 Beds
    • 1 Bath
    • 1,800 Sq Ft

    4059 New Willow Rd, Memphis, TN 38111

    Lovely home newly renovated with new pant inside with a bonus new roof! Enjoy the spacious living rm, oversized eat in kitchen with built in stainless steel appliances, 2 bedrooms, 1 bath, and a fenced back yard that is perfect for entertaining and home bar -b ques! Call now, this one won't last long.

    Carol Tate Tate Realty and Construction

    4059 New Willow Rd, Memphis, TN 38111
  • /21

    $197,500

    • 3 Beds
    • 1 Bath
    • 1,449 Sq Ft

    855 Maury St, Memphis, TN 38107

    **FINANCING INCENTIVES INCLUDE BELOW MARKET RATE ON CONVENTIONAL, FHA, OR VA LOANS; 100% FINANCING; AND DOWN PAYMENT OR CLOSING COST ASSISTANCE UP TO $7500** This is such a cute, bright, and tidy little starter in the wonderful Vollintine-Evergreen neighborhood! Welcome to 855 Maury St, a sweet brick home that features a large fenced corner lot, an open and inviting plan, and still more room to

    Ashley Bonds Marx-Bensdorf, REALTORS

    855 Maury St, Memphis, TN 38107
  • /40

    $499,000

    • 3 Beds
    • 4 Baths
    • 3,435 Sq Ft

    4513 Park Ave, Memphis, TN 38117

    Exceptional nearly 1-acre estate in East Memphis! This well-maintained 3BR/2BA brick home sits on an expansive 0.99-acre lot and offers two half baths for added convenience. Enjoy a custom wraparound driveway and brick-and-metal fencing that enhances privacy and presence. Inside, the home offers generous living and entertaining space with excellent flow—plus room for a bar and gathering area.

    Elliot Cerezo The Home Partners Realty

    4513 Park Ave, Memphis, TN 38117
  • /40

    $579,000

    $5K PRICE DROP
    • 3 Beds
    • 2.5 Baths
    • 2,679 Sq Ft

    942 Harbor View Dr, Memphis, TN 38103

    Stunning Harbor Town Gem just steps away from the Mississippi River! Nestled in the heart of downtown Memphis' most coveted neighborhood, this beautiful home perfectly blends classic Southern charm with modern updates. Features freshly painted walls and gorgeous, newly refinished hardwood floors throughout. Boasts 3 generous bedrooms plus a versatile bonus room perfect for home office, gym,

    Wendy Quinn Crye-Leike, Inc., REALTORS

    942 Harbor View Dr, Memphis, TN 38103
  • /14

    $135,500

    $10K PRICE DROP
    • 4 Beds
    • 2 Baths
    • 1,692 Sq Ft

    3784 Mccain Rd, Memphis, TN 38109

    Almost 1,700 sf with a great floor plan that includes 4 bedrooms and 2 full baths. 3 bedrooms and 1 bath are at the front of the house. The primary bedroom and bath are in the rear of the house. The kitchen and baths have been updated. There is also a large family room with gas log fireplace. The sliding door in the family room opens to a covered patio. The house needs some cosmetic updating and

    Mike Dalton Crye-Leike, Inc., REALTORS

    3784 Mccain Rd, Memphis, TN 38109
  • /15

    $65,000

    • 3 Beds
    • 1 Bath
    • 1,230 Sq Ft

    2757 Steele St, Memphis, TN 38127

    Large 3 bedroom home with living room, den, dining room, and detached storage building with garage. Home has wood floors and it is being offered at a great price. Home has big front yard and very convenient location. Excellent opportunity to buy this home at a great price, rehab it and flip it, BRRRR it, or just make it your primary residence. Utilities are on. ONLINE VIDEO AVAILABLE UPON

    Tyler Tapley Crye-Leike, Inc., REALTORS

    2757 Steele St, Memphis, TN 38127
  • /33

    $499,000

    • 7 Beds
    • 2,850 Sq Ft

    1072 S Barksdale St, Memphis, TN 38114

    This is a brand newly renovated, beautifully finished fourplex (with buildable bonus lot). Features two, lovely partially furnished duplexes with granitecounters, stainless steel appliances, all tile floors and modern decor throughout. Lot is secured with wrought iron access-controlled gate, camera & automated lightingsystem and the location is .39 miles from Cooper-Young and right up the street

    Lina Dweik Pinnacle Realty

    1072 S Barksdale St, Memphis, TN 38114
  • /35

    $360,000

    $30K PRICE DROP
    • 5 Beds
    • 3 Baths
    • 2,948 Sq Ft

    31 S Cox St, Memphis, TN 38104

    Great Midtown duplex opportunity just one block from Overton Square! The downstairs unit features 3 bedrooms and 2 baths, while the upstairs unit offers 2 bedrooms and 1 bath with a sunroom. This is perfect for rental income or multi-generational living. There is a fenced backyard with a covered deck, and the front porch is a nice size with a swing to meet your neighbors. A large two-car garage

    Tammy Bunnell Crye-Leike, Inc., REALTORS

    31 S Cox St, Memphis, TN 38104
  • /4

    $1,125,000

    New Construction
    • 4 Beds
    • 4.5 Baths
    • 3,644 Sq Ft

    382 Forest Hill-Irene Rd, Memphis, TN 38018

    Luxury living on one level in the highly sought-after Riversedge neighborhood. This exceptional home features 4 bedrooms, each with a private ensuite & walk-in closet, plus a grand two-story foyer and soaring ceilings throughout. Designed with wide hallways, arched openings, 3’0 doors, & expansive 12-foot windows that flood the home with natural light. Entertain effortlessly with a family room,

    Tammie Ross New Roots Realty LLC

    382 Forest Hill-Irene Rd, Memphis, TN 38018
  • /40

    $640,000

    Open Sat 3PM - 4:30PM
    • 3 Beds
    • 4.5 Baths
    • 5,513 Sq Ft

    7590 Chapel Creek Pkwy N, Cordova, TN 38016

    *OPEN HOUSE SAT 7/11 3-4:30!* This custom-built Chapel Creek home features Colonial-inspired architecture with timeless brick construction, a stately columned entry, and exceptional craftsmanship throughout. Brazilian cherry hardwood floors, including a stunning inlaid foyer, set the tone. The kitchen features new KitchenAid appliances, granite countertops, induction cooktop, beverage

    Kristi Ryan Coldwell Banker Collins-Maury

    7590 Chapel Creek Pkwy N, Cordova, TN 38016
  • /23

    $310,000

    $5K PRICE DROP
    • 3 Beds
    • 2 Baths
    • 1,282 Sq Ft

    1340 Island Town Dr, Memphis, TN 38103

    Fantastic ONE level home with a new ROOF. Home features wonderful UPDATED kitchen with breakfast bar. Features beautiful hardwood floors. Primary suite with walk-in closet. Good size 2 car garage. Situated in a prime location on the island.

    Richard Travers Crye-Leike, Inc., REALTORS

    1340 Island Town Dr, Memphis, TN 38103
  • /23

    $679,000

    $41K PRICE DROP
    • 4 Beds
    • 5 Baths
    • 4,317 Sq Ft

    6667 Rue Beaumonde Dr, Memphis, TN 38120

    Priced Reduced!! Fall in love the moment you arrive at this exceptional Rue Beaumonde home in River Oaks, perfectly positioned directly across from the Greenway trails, and close to both Bornblum and Lausanne schools. Thoughtfully updated throughout, this home stuns with a sweeping staircase, soaring ceilings, and light-filled spaces designed for both everyday living and entertaining. The chef’s

    Tim Burns KAIZEN Realty, LLC

    6667 Rue Beaumonde Dr, Memphis, TN 38120
  • /40

    $375,000

    • 1 Bed
    • 2 Baths
    • 1,097 Sq Ft

    717 S Riverside Dr Unit 504, Memphis, TN 38103

    Welcome to The Artesian, one of Downtown Memphis' premier luxury condominium communities. This spacious 1 bedroom, 2 bath residence features a flexible bonus room ideal for a home office, guest room, workout space, or hobby area. Fresh paint & hardwood floors throughout create a clean, move-in ready feel, while soaring 10' ceilings & 8' doors enhance the open layout. The kitchen offers gas

    Katie McLemore BHHS McLemore & Co., Realty

    717 S Riverside Dr Unit 504, Memphis, TN 38103
  • /32

    $159,900

    $15K PRICE DROP
    • 2 Beds
    • 2.5 Baths
    • 1,394 Sq Ft

    1609 Red Barn Dr, Cordova, TN 38016

    Charming 2BR, 2.5BA townhome in the Country Hills community. This well-maintained home features a spacious 23x12 living room, separate dining area, and a functional kitchen. The primary suite offers generous 15x12 dimensions, complemented by a comfortable second bedroom. Enjoy a low-maintenance slab foundation, brick veneer exterior, and a front-load garage. Mandatory HOA includes access to two

    Alexis Martz Trelora Realty

    1609 Red Barn Dr, Cordova, TN 38016
  • /38

    $200,000

    • 1 Bed
    • 1 Bath
    • 956 Sq Ft

    408 S Front St Unit 507, Memphis, TN 38103

    Welcome to the sought after Paperworks Building in the heart of South Main! This adorable efficiency condo blends industrial charm with modern comfort, featuring exposed brick, concrete floors, and soaring concrete ceilings. The open living space offers a “room with a view,” showcasing the stunning downtown skyline right from your window. A cozy yet open floor plan while the flexible screen

    Amanda Lott BHHS McLemore & Co., Realty

    408 S Front St Unit 507, Memphis, TN 38103
  • /27

    $179,900

    • 1 Bed
    • 1 Bath
    • 745 Sq Ft

    665 Tennessee St Unit 407, Memphis, TN 38103

    Live in the heart of the vibrant South Main Historic Arts District in this freshly painted 1 bed 1 bath condo located in sought after State Place. Near restaurants, galleries, entertainment, the riverfront, and everything Downtown Memphis has to offer. Inside, you'll find high smooth ceilings, hardwood floors throughout the living areas, and a spacious open floor plan. The kitchen offers an

    Amanda Lott BHHS McLemore & Co., Realty

    665 Tennessee St Unit 407, Memphis, TN 38103
  • /31

    $349,900

    $10K PRICE DROP
    • 4 Beds
    • 2.5 Baths
    • 3,013 Sq Ft

    359 Sherburne Cove, Cordova, TN 38018

    Wonderful family home with a sparkling pool nestled in a quiet cove. This home features 3 BR with bonus or 4 BR/2.5 BA. Downstairs includes a dining room, office, spacious kitchen with lots of storage, laundry room, half bath, large living room with vaulted ceilings and cozy fireplace, and primary bedroom suite. With 3 bedrooms plus a large bonus room that can easily serve as a fourth bedroom

    Brooke Smith REMAX Experts

    359 Sherburne Cove, Cordova, TN 38018
  • /31

    $325,000

    • 3 Beds
    • 2.5 Baths
    • 2,213 Sq Ft

    371 Sherburne Cove, Cordova, TN 38018

    Discover the perfect blend of comfort, style, and value in this beautifully updated 3-bedroom, 2.5-bath home nestled in a quiet cove. Recently updated with new windows, new floors, new kitchen appliances, and quality finishes throughout. The custom kitchen and butler's pantry make entertaining a breeze, while spacious bedrooms and an oversized laundry room offer everyday convenience. Relax on the

    Eric Bell REMAX Experts

    371 Sherburne Cove, Cordova, TN 38018
  • /34

    $219,500

    • 3 Beds
    • 2.5 Baths
    • 1,878 Sq Ft

    5951 Blakeview Place, Memphis, TN 38134

    Back on the market with a new roof. Bartlett Place Condominium - Low Maintenance Living! Enjoy easy living in this well located Bartlett Place condo, just minutes from shopping and restaurants. Say goodbye to yard work-no lawn maintenance required! The property is ideal for a first time buyer or anyone looking to downsize. It features spacious bedrooms, a charming courtyard, and a two-garage with

    Susan Jenkins 2 Rivers Realty, LLC

    5951 Blakeview Place, Memphis, TN 38134
  • /40

    $362,000

    • 3 Beds
    • 2 Baths
    • 1,297 Sq Ft

    1164 Misty Isle Dr, Memphis, TN 38103

    Located on the Island, this exquisitely maintained home is magazine-worthy and impeccably designed with high-end custom finishes throughout. Every detail has been thoughtfully curated, from the dream kitchen featuring custom cabinetry with designer interior storage to the stunning hardwood floors flowing seamlessly through home. The vaulted primary suite offers a warm farmhouse-inspired shiplap

    Tracie Gaia BHHS McLemore & Co., Realty

    1164 Misty Isle Dr, Memphis, TN 38103
  • /21

    $348,500

    $50K PRICE DROP
    • 3 Beds
    • 2.5 Baths
    • 1,990 Sq Ft

    344 Greenway Place, Memphis, TN 38117

    PRICED TO SELL!!!! NEW Paint throughout including cabinets. NEW carpet in upstairs bedrooms... JUST STAGED Charming 3 bedroom, 2.5 bath home in sought after East Memphis location. Primary bedroom down with hardwood floors and bath with double vanities, separate shower and tub. Separate den and dining room. Eat-in kitchen with cook top range, island and pantry. Two bedrooms up. Smooth ceilings

    Gary Albertine The Albertine Company

    344 Greenway Place, Memphis, TN 38117
  • /4

    $36,000

    • 3 Beds
    • 1.5 Baths
    • 1,547 Sq Ft

    1661 Humber St, Memphis, TN 38106

    3 bedroom 1.5 Bath Home. Looking for a fixer upper. Ask About Financing that can cover for Purchase and Renovations. Selling As Is. Let us know if you have any questions!

    Courtney Staples Keller Williams

    1661 Humber St, Memphis, TN 38106
  • /3

    $399,900

    New Construction
    • 3 Beds
    • 3 Baths
    • 2,059 Sq Ft

    Andie Plan at Walnut Green, Cordova, TN 38018

    Regency Homebuilders Builder
    161 Bitter Branch Rd Unit 41098324, Cordova, TN 38018
  • /36

    $285,000

    • 5 Beds
    • 2 Baths
    • 2,319 Sq Ft

    2760 Bragg Ln, Memphis, TN 38134

    ***Back on the market due to no fault of the sellers***Lovely 4 bedroom 2 bathroom home (with large bonus/playroom upstairs that could be 5th bedroom) on quiet street in Bartlett. This home has several nice amenities including; double door front entry, side load garage, covered rear patio (perfect for grilling and entertaining), huge fenced backyard that is very pet friendly, nice kitchen with

    Tyler Tapley Crye-Leike, Inc., REALTORS

    2760 Bragg Ln, Memphis, TN 38134
  • /32

    $220,000

    • 3 Beds
    • 2 Baths
    • 1,789 Sq Ft

    4208 Oakcrest Ave, Memphis, TN 38128

    Here it is. This well-maintained home features 3 spacious bedrooms, 2 full baths, and an updated kitchen. Laminate flooring runs throughout the main living areas. Enjoy a separate living room and dining room combo, plus a cozy den with a fireplace. The sunroom includes a hot tub, and overlooks the fully fenced backyard. Outside you find a covered patio, double carport with storage room, and a

    Danny Freeman Crye-Leike, Inc., REALTORS

    4208 Oakcrest Ave, Memphis, TN 38128
  • /24

    $375,000

    $25K PRICE DROP
    • 3 Beds
    • 2 Baths
    • 2,147 Sq Ft

    668 Hawthorne St, Memphis, TN 38107

    Welcome to 668 Hawthorne St. — a 2022-built, fully furnished, turnkey property currently operating as a successful Airbnb in the heart of Memphis. Whether you're looking for a ready-to-go short-term rental investment or a beautifully furnished primary residence, this home delivers flexibility and opportunity. The sale includes all furnishings, making this a seamless transition for the next owner.

    Sarah Flack The Firm

    668 Hawthorne St, Memphis, TN 38107
  • /37

    $365,000

    Open Sun 1PM - 3PM $10K PRICE DROP
    • 4 Beds
    • 2.5 Baths
    • 2,306 Sq Ft

    3775 Charles Brown Cove, Memphis, TN 38133

    Nestled on a peaceful cove lot in East Bartlett, this beautiful home offers the perfect blend of space, comfort, and scenic waterfront living! Situated on approx 1/2 acre backing up to a private lake, you’ll enjoy relaxing water views + the ability to fish/paddle boat from your backyard. With 4 bedrooms and 2.5 baths — or 3 bedrooms plus a spacious bonus room, this flexible floor plan fits a

    Meghan Hodges Crye-Leike, Inc., REALTORS

    3775 Charles Brown Cove, Memphis, TN 38133
  • /2

    $139,500

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

    1443 S Parkway E, Memphis, TN 38106

    One owner home, a diamond in the rough, mostly hardwood flooring will need major rehab, over 3000 sq ft

    Howard Averyhart The Peyton Co., Inc., REALTORS

    1443 S Parkway E, Memphis, TN 38106
  • /3

    $414,900

    New Construction
    • 3 Beds
    • 2 Baths
    • 2,248 Sq Ft

    Manning Plan at Union Depot, Bartlett, TN 38134

    Grant & Co. Builder
    6840 Union Depot Drive St Unit 36901373, Bartlett, TN 38134
  • /40

    $295,000

    Open Sun 1PM - 3PM $6K PRICE DROP
    • 5 Beds
    • 3 Baths
    • 3,679 Sq Ft

    3194 Lammermuir Rd, Memphis, TN 38128

    Will not last LONG! Beautiful corner lot brick home nestled in gorgeous Scenic Hills Subdivision. 5 Bedrooms/ 3 FULL bathrooms (jucuzzi tub in downstairs bathroom). Extra large bedroom and FULL bathroom upstairs. Kitchen upgraded with island and solid refurbished wooden cabinets. Two large dens, and two gas fireplaces with immaculate hardwood floors. Refrigerator, Washer, Dryer to remain.

    Sharon Griffin Harris Realty Services

    3194 Lammermuir Rd, Memphis, TN 38128
  • /31

    $304,999

    $5K PRICE DROP
    • 4 Beds
    • 3 Baths
    • 2,384 Sq Ft

    843 Blue Pearl Cove, Memphis, TN 38109

    Welcome to beautiful Diamond Estates! Minutes from Downtown Memphis, Horn Lake/Southaven's shopping and Tunica MS! This home features a split plan 3 bedrooms down with a stunning totally renovated master bathroom. The large eat in kitchen has a breakfast nook and its own pantry closet and laundry room. Upstairs is a large bonus/4th bedroom with its own renovated bathroom. There is a side load 2

    Lloyd Patterson C21 Patterson & Assoc. Real Es

    843 Blue Pearl Cove, Memphis, TN 38109
  • /30

    $499,900

    Open Sun 1PM - 2:30PM
    • 5 Beds
    • 3.5 Baths
    • 3,680 Sq Ft

    5409 Sycamore Grove Ln, Memphis, TN 38120

    East Memphis Gem, highly sought after area. New Roof May 2025, refrig & dishwasher 2025, tankless water heater 2022. In law/ teen suite down, 4 bedrooms up. Huge main bedroom & bath. Sep. Living, Dining & Den with fireplace & built ins. Large sunroom. Electric gate privacy, turn around drive pad, fenced yard with mature landscaping. Hardwood & tile down, carpet & tile up. Walk in attic & pull

    Leslie O'Leary McWaters & Associates

    5409 Sycamore Grove Ln, Memphis, TN 38120
  • /11

    $250,000

    Open Sat 11AM - 1PM $10K PRICE DROP
    • 3 Beds
    • 2.5 Baths
    • 1,753 Sq Ft

    1514 Granville Ln, Memphis, TN 38104

    Seller Offering $5000 in seller concessions. An incredible opportunity to transform this property into the home of your dreams! Nestled in a highly sought-after and established community, this home offers the perfect blend of location, charm, and potential. Whether you're an investor or a buyer ready to add your personal touch, the possibilities are endless. Enjoy being surrounded by a vibrant

    Courtney Clark Keller Williams

    1514 Granville Ln, Memphis, TN 38104
  • /36

    $510,000

    $25K PRICE DROP
    • 4 Beds
    • 2.5 Baths
    • 3,392 Sq Ft

    2100 Harbert Ave, Memphis, TN 38104

    Midtown charm meets modern luxury. This lovely 4 bedroom, 2.5 bathroom features soaring ceilings, renovated kitchen, first floor primary suite with luxury bathroom, office, bar area, laundry room, beautiful hardwood floors and a large fenced backyard with 2-car garage. The home offers flexible living with one bedroom currently being used as living room. Enjoy relaxing on the spacious front porch

    Lisa Fields Ware Jones, REALTORS

    2100 Harbert Ave, Memphis, TN 38104
  • /32

    $410,000

    Open Sun 2PM - 3:30PM $50K PRICE DROP
    • 4 Beds
    • 3 Baths
    • 2,919 Sq Ft

    699 N Evergreen St, Memphis, TN 38107

    Attractive new price! Home has been inspected and all repairs completed! Stunning architect-designed Colonial Revival cottage, thoughtfully and completely restored. Highlights include beautiful hardwood floors, upgraded electrical, new HVAC systems, quartz countertops, custom cabinetry, a dedicated laundry room, a screened-in back porch, a spacious backyard, and a two-car garage. Ideally located

    Mindy Wagerman Marx-Bensdorf, REALTORS

    699 N Evergreen St, Memphis, TN 38107
  • /27

    $357,900

    $31K PRICE DROP
    • 3 Beds
    • 3.5 Baths
    • 2,050 Sq Ft

    194 Island Bluff Dr, Memphis, TN 38103

    Rare to get a 3 Bedroom / 3.5 Bath Home. Features two primary suites; 1 up and 1 down!!! Fantastic looking home. Super nice kitchen with breakfast bar. Large & open great room with fireplace. Balcony off upstairs bedroom. Large 2 car garage. Walk-in closets in each bedroom. Ample guest parking. 2 new hot water heaters. HVAC new in 2025. This one is a Winner!

    Richard Travers Crye-Leike, Inc., REALTORS

    194 Island Bluff Dr, Memphis, TN 38103

Showing Results 401 - 440, Page 11 of 18

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