Homes for Sale near St. Agnes Academy

• 

  

  

  /15

  $279,900

  • 3 Beds
  • 2 Baths
  • 1,600+ Sq Ft

  118 N Highland St, Memphis, TN 38111

  INCREDIBLE PROPERTY PUT BACK ON THE MARKET AFTER A TOTALLY NEW RENOVATION. GORGEOUS LOT WITH A FENCED IN BACKYARD, COVERED PATIO, LARGE SIDE AND FRONT YARD, PRIVATE ENTRANCE, FREE STANDING STORAGE BUILDING AND MUCH MORE. HARDWOOD FLOORS ARE BEAUTIFUL THRU OUT, BATHROOM FINISHES ARE FABULOUS AND KITCHEN IS MORE THAN INVITING. DON'T MISS THIS FANTASTIC OPPORTUNITY TO PURCHASE THIS GORGEOUS HOME.

  Stephen Mansour KAIZEN Realty, LLC

  118 N Highland St, Memphis, TN 38111
• 

  

  

  /17

  $65,000

  • 2 Beds
  • 1 Bath
  • 1,000+ Sq Ft

  3536 Kendrick Rd, Memphis, TN 38108

  This charming home has been meticulously gutted and rebuilt to the studs, offering a blank canvas for your customization dreams. This property beckons those with a vision for transformation.

  Cristian Amparan The Home Partners Realty

  3536 Kendrick Rd, Memphis, TN 38108
• 

  

  

  /16

  $126,500

  • 2 Beds
  • 1 Bath
  • 1,000+ Sq Ft

  1601 Semmes St, Memphis, TN 38114

  Fully renovated 2-bedroom, 1-bath home featuring a brand-new roof, HVAC system, and hot water tank. The kitchen has been completely updated with modern finishes, and the bathroom is fully renovated with fresh, clean design. Beautiful hardwood floors run throughout the entire home, adding warmth and character. Freshly painted inside and out, this home is move-in ready and offers a clean, modern

  Fred Sengstacke KAIZEN Realty, LLC

  1601 Semmes St, Memphis, TN 38114
• 

  

  

  /23

  $549,900

  • 3 Beds
  • 3 Baths
  • 2,400+ Sq Ft

  232 Windover Grove Dr, Memphis, TN 38111

  Absolutely the Best Covered and Private Patio Around!! Fabulous Outdoor Living and Kitchen Area! Granite Outdoor Counter Tops, Commercial Pellet Smoker/Grill, Beautiful Stone Woodburning Fireplace with Gas Starter, Cedar Interior Ceiling, Custom LED Path Lighting, High Volume Fans, In-FLoor Electrical, Outdoor Draperies, Pad and Electric for Spa and Fans. Completely Renovated Interior. Luxury

  Kendall Haney 901 Real Estate Services

  232 Windover Grove Dr, Memphis, TN 38111
• 

  

  

  /20

  $872,000

  • 4 Beds
  • 4.5 Baths
  • 4,400+ Sq Ft

  78 Pidgeon Rd, Memphis, TN 38117

  This luxurious unique home is located in a small secured gated community few minutes from Galloway Golf Course; Situated on beautiful landscaped grounds; Its backyard oasis beautifully incorporates manicured greenery including a Japanese Maple surrounding an inground pool. This charming 4bed/4.5 bath home boasts 2 Primary Suites on 1st level, Wet Bar, Breakfast Bar, Surround Sound System, lots

  Lashelle Isom Herenton Homes, LLC

  78 Pidgeon Rd, Memphis, TN 38117
• 

  

  /38

  $264,900

  • 3 Beds
  • 2.5 Baths
  • 1,800+ Sq Ft

  6942 Amberly Rd, Memphis, TN 38119

  Move in ready townhouse in the perfect East Memphis location! Seller is paying $12,000 toward the new road assessment: new roads, curbs and inlets/drains! This clean home has no carpet, and new flooring in two bedrooms. Hardwood flooring downstairs in LR and DR. Roof and exterior paint one year old! New interior paint; smooth ceilings down. Updated kitchen that is open to a cozy den. Enjoy

  Marla Pennington Coldwell Banker Collins-Maury

  6942 Amberly Rd, Memphis, TN 38119
• 

  

  /36

  $359,000

  • 3 Beds
  • 2 Baths
  • 2,000+ Sq Ft

  4152 Barfield Rd, Memphis, TN 38117

  Welcome to 4152 Barfield, a beautifully maintained 3-bedroom, 2-bath home located in the desirable Pigeon Estates neighborhood. Situated on one ofthe area's larger lots, this 2,044 sq. ft. property offers generous space with two separate living areas plus an oversized sunroom perfect for relaxing or entertaining year-round. The updated kitchen features modern finishes and flows seamlessly into

  Lexie Hicks Johnston Coldwell Banker Collins-Maury

  4152 Barfield Rd, Memphis, TN 38117
• 

  

  /21

  $342,500

  • 2 Beds
  • 2 Baths
  • 1,400+ Sq Ft

  3613 Charleswood Ave, Memphis, TN 38122

  This beautiful completely renovated 2 bedroom, 2 bath home in High Point Terrace features a modern kitchen with custom cabinetry, stainless steel appliances and a gas range-all perfectly designed for entertaining.Tastefully updated bathrooms, hardwood flooring throughout and a spacious primary suite with a large bath and walk in closet add to the appeal. Step outside to enjoy the covered

  Leslie Zarshenas Crye-Leike, Inc., REALTORS

  3613 Charleswood Ave, Memphis, TN 38122
• 

  

  /13

  $159,900

  • 3 Beds
  • 2 Baths
  • 1,200+ Sq Ft

  5128 Jessie Lee Ln, Memphis, TN 38118

  Step into this beautifully maintained and thoughtfully updated 3-bedroom, 2-bathroom home nestled in a peaceful, tree-lined neighborhood. With recent upgrades this home blends classic comfort with modern functionality — perfect for a first-time homebuyer, a small family, or an investor looking for a turnkey rental. Roof replaced (2020) — peace of mind for years to come! Energy-efficient windows

  John Payne BEST Real Estate Company

  5128 Jessie Lee Ln, Memphis, TN 38118
• 

  

  /22

  $185,000

  • 3 Beds
  • 1 Bath
  • 1,200+ Sq Ft

  569 Lundee St, Memphis, TN 38111

  Charming cottage with modern updates & timeless appeal! Step into this beautifully remodeled cottage-style home that perfectly blends classic charm w/ contemporary comfort. From its inviting front porch to the 9-foot ceilings & original door moldings, this home exudes warmth & character at every turn. Inside, you'll find sun-drenched lit rooms, neutral walls, & stunning wood flooring featuring

  James Harvey Jr Keller Williams

  569 Lundee St, Memphis, TN 38111
• 

  

  /25

  $315,000

  • 3 Beds
  • 2 Baths
  • 2,400+ Sq Ft

  4491 Fair Meadow Rd, Memphis, TN 38117

  This charming little home is ready for you to move in! 1 BR 1 BA on main level with formal living room, den and fantastic playroom/bonus room overlooking back yard. Great patio out back for entertaining and lazy summer evenings. Beautiful granite tops in kitchen and loads of natural light. This home has new paint and is crisp and clean. HVAC less than 2 yrs. Fence less than 2 yrs. New sewer line

  Shannan McWaters The Firm

  4491 Fair Meadow Rd, Memphis, TN 38117
• 

  

  /39

  $540,000

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

  258 N White Station Rd, Memphis, TN 38117

  Discover elegance and comfort in this impressive 4-bedroom, 3-bathroom home in an exclusive gated community. This well-maintained 3,100 square foot residence offers space, character, and convenience in one of Memphis's most desirable neighborhoods. Features include freshly painted interior, beautiful hardwood flooring in excellent condition, elegant decorative columns, two cozy fireplaces, and

  Henry Valle-Castillo BHHS Taliesyn Realty

  258 N White Station Rd, Memphis, TN 38117
• 

  

  /31

  $320,000

  • 2 Beds
  • 2.5 Baths
  • 1,600+ Sq Ft

  3520 Central Ave Unit 201, Memphis, TN 38111

  Sophisticated Simplicity, Perfectly Placed. Nestled in The Laurels, this beautiful 2BR/2.5BA condo is perched on the second floor, offering an east-facing balcony with lovely views of the University District and swimming pool. Inside, enjoy updated appliances, hardwood floors, ample natural light, elegant plantation shutters, a separate living and dining room, a laundry room, a large primary

  Jennifer Williams Hobson, REALTORS

  3520 Central Ave Unit 201, Memphis, TN 38111
• 

  

  /17

  $137,900

  • 2 Beds
  • 1.5 Baths
  • 1,000+ Sq Ft

  5686 Quince Rd Unit 3, Memphis, TN 38119

  Low Maintenance Living in a Convenient Location! Townhome has been updated with a Beautiful Bathroom ~ Fresh Paint ~ Open Kitchen with White Cabinets and Granite Tops ~ New Hard Surface Floors ~ Enjoy the Community Pool and Courtyard ~ Half Bath Down ~ Ready to Occupy!

  Taj Schuerman Keller Williams Realty

  5686 Quince Rd Unit 3, Memphis, TN 38119
• 

  

  /20

  $100,000

  • 2 Beds
  • 1 Bath
  • 800+ Sq Ft

  2343 Zanone Ave, Memphis, TN 38114

  Beautifully renovated 2 bedroom, 1 bath home, boasts new vinyl windows, new LVP flooring, brand new appliances, kitchen cabinets and countertops! New roof, new plumbing, electrical, central heat and air system and hot water tank make this home just like new! Plus a newly fenced backyard and new driveway! This home will qualify for 100% financing with no PMI. Plus, a government grant up to $6000.

  Brandon Ackerman Keller Williams

  2343 Zanone Ave, Memphis, TN 38114
• 

  

  /15

  $82,895

  • 3 Beds
  • 1 Bath
  • 1,000+ Sq Ft

  1529 Pope St, Memphis, TN 38108

  Investors! Welcome to a lovely 3 Bed/1 Bath rental that is cash flowing at $900 per month! Located close to entertainment and commerce, this neighborhood is prime for growth. The current lease expires 06/30/2025, so don't miss this opportunity to expand your portfolio! This unit is part of a package of 18 properties.

  Trey McElroy Sowell, Realtors

  1529 Pope St, Memphis, TN 38108
• 

  

  /15

  $56,750

  • 1 Bed
  • 1 Bath
  • 600+ Sq Ft

  2868 Choctaw Ave, Memphis, TN 38114

  Investors! Welcome to a lovely 1 Bed/1 Bath rental that is cash flowing at $695 per month! Located close to entertainment and commerce, this neighborhood is prime for growth. The current lease runs through 11/30/2025, so don't miss this opportunity to expand your portfolio! This unit is part of a package of 18 properties.

  Trey McElroy Sowell, Realtors

  2868 Choctaw Ave, Memphis, TN 38114
• 

  

  /19

  $169,000

  • 2 Beds
  • 1 Bath
  • 800+ Sq Ft

  765 Shotwell St, Memphis, TN 38111

  Charming 2-bedroom, 1-bath home just behind the University of Memphis—perfect for a starter home or investment property! Enjoy low-maintenance vinyl siding, an updated kitchen with painted cabinets, range, and dishwasher, plus a stack washer/dryer unit. Hardwood floors in both bedrooms with laminate throughout the rest of the home. Detached 1-car garage with a covered patio overlooks a spacious

  Gary Walls Crye-Leike, Inc., REALTORS

  765 Shotwell St, Memphis, TN 38111
• 

  

  /17

  $335,000

  • 4 Beds
  • 2 Baths
  • 2,000+ Sq Ft

  5362 Knollwood Cove, Memphis, TN 38119

  SEE VIRTUAL TOUR FOR MORE INFO. Located in the Yorkshire area, this 4 bedroom, 2 bathroom home sits in a quiet cove. This is a 1 1/2 story layout with the downstairs featuring the primary bedroom and a den w/fireplace that opens up to a patio and a fenced backyard. The main level (upstairs) of the home has 3 bedrooms, 1 bath, kitchen, living room and dining room. All bedrooms and the living

  CM Collins COMMUNITY FSBO

  5362 Knollwood Cove, Memphis, TN 38119
• 

  

  /17

  $180,000

  • 3 Beds
  • 2.5 Baths
  • 1,600+ Sq Ft

  4779 Towering Oaks Dr Unit 704, Memphis, TN 38117

  Largest floor plan in complex overlooking pool and tennis courts. REDUCTION READY TO MOVE IN

  Karen Braden-Little Crye-Leike, Inc., REALTORS

  4779 Towering Oaks Dr Unit 704, Memphis, TN 38117
• 

  

  /11

  $125,000

  • 2 Beds
  • 1 Bath
  • 600+ Sq Ft

  2727 Dunn Ave, Memphis, TN 38114

  Fully Renovated Beauty, Welcome to your dream home! This stunning property has been completely renovated from top to bottom, blending modern elegance with timeless charm. Every detail has been thoughtfully upgraded — from brand new flooring and fresh paint throughout, to a fully updated kitchen featuring new countertops, custom cabinetry. The open-concept layout creates a warm and inviting

  Andres Zuluaga Coldwell Banker Collins-Maury

  2727 Dunn Ave, Memphis, TN 38114
• 

  

  /14

  $149,900

  • 3 Beds
  • 2 Baths
  • 1,000+ Sq Ft

  774 Bey St, Memphis, TN 38114

  Turnkey Investment Opportunity – Tenant Already in Place! Price Improvement Attention investors! This beautifully updated 3-bedroom, 2-bath home in the heart of Orange Mound is rent-ready and already generating income. With a reliable tenant in place paying $1,300/month, this property offers instant cash flow from day one—making it the perfect addition to your rental portfolio or a great first

  Alisha Gigger Keller Williams

  774 Bey St, Memphis, TN 38114
• 

  

  /16

  $85,000

  • 2 Beds
  • 1 Bath
  • 800+ Sq Ft

  882 N Bingham St, Memphis, TN 38108

  ~Beautiful house 2 bedrooms 1 bath ~ Ready to move in ~ Fully renovated ~ New floors ~ Water heater 1 year ~ Accessible backyard with shed ~ Come see this home today!!~Seller will contribute to buyer closing costs

  Itzel Sanchez Bustamante Keller Williams

  882 N Bingham St, Memphis, TN 38108
• 

  

  /27

  $350,000

  • 3 Beds
  • 2 Baths
  • 1,600+ Sq Ft

  3350 Highland Park Place, Memphis, TN 38111

  Open House 9-6 -1-3 White Station School District! Renovated in 2021 with a new HVAC system, Wiring & electrical, plumbing, water heater, fixtures, kitchen cabinets, quartz counter tops, bathrooms, some drywall and insulation Prime East Memphis location next to High Point with spacious living room a beautiful updated kitchen with appliances that stay including the refrigerator washer & dryer all

  Frances Anderson Crye-Leike, Inc., REALTORS

  3350 Highland Park Place, Memphis, TN 38111
• 

  

  /39

  $254,000

  • 3 Beds
  • 2 Baths
  • 1,400+ Sq Ft

  2293 Jackson Ave, Memphis, TN 38112

  If you're looking for a 3 bedroom, 2 bathroom home in midtown with a HUGE backyard, this is the one! This charming bungalow has all of the original features that midtowners love: large windows, hardwood floors throughout and a giant front porch. It has tons of modern upgrades as well! The current owners love their primary suite bathroom with double sinks. The updated kitchen makes meal prep a

  Jenna Williamson Green Bee Real Estate

  2293 Jackson Ave, Memphis, TN 38112
• 

  

  /40

  $695,000

  • 6 Beds
  • 4.5 Baths
  • 5,200+ Sq Ft

  1095 Fair Meadow Rd, Memphis, TN 38117

  Exceptional & unique home on a beautiful street. This home is a spacious, architecturally compelling family home in East Memphis, combining classic features like hardwood floors, tall ceilings & large front porch with modern practicality- 6 bedrooms or 5 bedrooms plus an office, 4.5 bathrooms, flexible living spaces & soaring ceilings. Renovated kitchen & primary bathroom with a sauna and

  Lisa Fields Ware Jones, REALTORS

  1095 Fair Meadow Rd, Memphis, TN 38117
• 

  

  /35

  $839,000

  • 4 Beds
  • 3.5 Baths
  • 3,200+ Sq Ft

  4654 Hemlock Ln, Memphis, TN 38117

  Located in the sought-after gated Evergreens neighborhood, this incredible home offers a spacious and flexible layout. The primary suite and dedicated office are conveniently located on the main level, with two additional bedrooms and a bonus room upstairs. Enjoy the beautifully updated kitchen and a stunning outdoor entertaining space complete with a pool and hot tub—perfect for relaxing or

  Lynda Baddour Ware Jones, REALTORS

  4654 Hemlock Ln, Memphis, TN 38117
• 

  

  /29

  $529,000

  • 4 Beds
  • 2.5 Baths
  • 2,600+ Sq Ft

  2245 Madison Ave, Memphis, TN 38104

  Exceptional newer home in East End is a easy walk to Overton Square and Overton Park! This home was built with first quality amenities and has now been remodeled again and offers like new living in a historic neighborhood! Chef's kitchen and a luxurious primary bathroom with a salon closet that will make you happy! A cool wet bar and wonderful open spaces to entertain or just relax! Fourth

  David Da Ponte Sowell, Realtors

  2245 Madison Ave, Memphis, TN 38104
• 

  

  /22

  $189,900 Pending

  • 5 Beds
  • 2 Baths
  • 1,800+ Sq Ft

  3459 Spottswood Ave, Memphis, TN 38111

  Large Home with Tall Ceilings and Extensive Molding ~ walking distance to U of Memphis ~ Recent Roof ~Low Maintenance Vinyl Siding ~ Fresh Paint ~ Hardwood Floors ~ Deep Lot ~ Deck ~ Separate Laundry~ Recent HVAC ~ Great for Homeownership or as a successful U of M rental

  Taj Schuerman Keller Williams Realty

  3459 Spottswood Ave, Memphis, TN 38111
• 

  

  /10

  $118,500

  • 2 Beds
  • 1 Bath
  • 1,400+ Sq Ft

  1274 Railton Rd, Memphis, TN 38111

  Lease Purchase with Option to Buy, Price Improvement. Excellent starter home or investment property. Property to be SOLD AS IS NO REPAIRS. This two-bedroom bath offers a formal living and dining combination, an eat-in kitchen, and a large den that could be converted into a primary bedroom and bath. Updates, interior painted, new carpet, and new kitchen cabinets in 2022.

  Patricia Didlake Didlake Realty Group, LLC

  1274 Railton Rd, Memphis, TN 38111
• 

  

  /32

  $455,000

  • 3 Beds
  • 3 Baths
  • 3,200+ Sq Ft

  4042 Goodlett Cove, Memphis, TN 38111

  MIDTOWN IN EAST MEMPHIS. BUILT IN 1895! Amazing value in Grandview, across Goodlett from the Village. Quiet cove, backs up to MLGW Easement insuring privacy. Massively scaled rooms with wonderful, high (11'!) ceilings. Freshly painted walls and gorgeous hardwood floors. Impeccable irrigated grounds with water feature and mature landscaping. You'll live on the screened porch 340 days/year! Build

  George Merryfield Leco Realty, Inc.

  4042 Goodlett Cove, Memphis, TN 38111
• 

  

  /37

  $124,500

  • 1 Bed
  • 1 Bath
  • 1,000+ Sq Ft

  475 N Highland St Unit 3H, Memphis, TN 38122

  One of the best high rise condos! Secure parking, 24 hour guard & loads of amenities. Lovely pool with covered patio & grilling area overlooking Chickasaw Golf course. Nice workout facilities. party room with kitchen. This one has been completely renovated and updated! Lovely kitchen and bath. Wood floors. Fireplace & shutters! Storage space in basement. 2 guest suites available for rent. Call

  Deborah Mays Hobson, REALTORS

  475 N Highland St Unit 3H, Memphis, TN 38122
• 

  

  /7

  $123,999

  • 2 Beds
  • 1 Bath
  • 600+ Sq Ft

  2758 Smith Haven Dr, Memphis, TN 38114

  Step into this beautifully renovated home in the historic Bethel Grove neighborhood, updated in 2022 with a new roof, HVAC, flooring, and siding—move-in ready! Enjoy two spacious bedrooms and a full bath, all nestled on a generous lot that offers plenty of outdoor space with a shed in the back.

  Virgil Pryor Harris Realty Services

  2758 Smith Haven Dr, Memphis, TN 38114
• 

  

  /40

  $819,000

  • 4 Beds
  • 3.5 Baths
  • 4,600+ Sq Ft

  5956 Even Mist Cove, Memphis, TN 38120

  Price Adjustment Come Take a Fresh Look at this really Fabulous Home!! Beautifully updated and well-maintained home with open floorplan, high ceilings, and hardwood floors in main living areas. Features include quartzite countertops, stainless steel appliances, gas cooking, and automated blinds. Spacious primary suite with soaking tub and separate shower. Office and bonus room with custom

  Connie Farina C21 Home First, REALTORS

  5956 Even Mist Cove, Memphis, TN 38120
• 

  

  /34

  $199,000

  • 1 Bed
  • 1 Bath
  • 800+ Sq Ft

  3277 Spottswood Ave, Memphis, TN 38111

  Charming and cozy 1-bedroom, 1-bathroom one-story cottage tucked away at the rear of the lot for added privacy. This well-kept home features a warm living area with a fireplace and an inviting layout. The spacious front yard is ideal for gardening and outdoor relaxation, offering ample sunlight and ample room to grow. A long driveway provides ample off-street parking, and the fully fenced yard

  LaKendrea Hall Epique Realty

  3277 Spottswood Ave, Memphis, TN 38111
• 

  

  /25

  $309,000

  • 2 Beds
  • 1 Bath
  • 1,400+ Sq Ft

  401 Alexander St, Memphis, TN 38111

  Come see this beautifully updated 1930 Craftsman masterpiece on Alexander Street south of Central Ave. This home features richly finished hardwoods and an updated kitchen and bath. There is a newer side-by-side refrigerator and a gas range that has 5 burners and two ovens. The kitchen has lots of storage and counter space plus a breakfast nook. The large formal dining room is one of the home's

  Mike Ward Crye-Leike, Inc., REALTORS

  401 Alexander St, Memphis, TN 38111
• 

  

  /40

  $975,000

  • 4 Beds
  • 3.5 Baths
  • 4,400+ Sq Ft

  6485 River Fall Dr, Memphis, TN 38120

  Nestled in the heart of the River Oaks neighborhood, this beautiful home is appealing and stylish. The house has spacious rooms throughout with so many features - hardwood floors upstairs and downstairs, renovated kitchen with top-shelf appliances and custom ceiling beams, renovated bathrooms, office with custom built-in shelving & wood trim, inviting Living Room with fireplace, and a den off

  Mike Parker The Firm

  6485 River Fall Dr, Memphis, TN 38120
• 

  

  /24

  $208,000

  • 3 Beds
  • 2 Baths
  • 1,200+ Sq Ft

  1735 Ronda St, Memphis, TN 38108

  Everything you see (and even what you don’t) is new — from the roof down to the floors. This stylish 3-bedroom, 2-bath beauty has been completely rebuilt with new sheetrock, ceilings, windows, HVAC, water heater, modern cabinetry, and designer bathrooms. The sleek kitchen flows into open, airy living spaces — perfect for everyday living or hosting friends. You’ve also got a private garage for

  Henry Pineda Fast Track Realty, LLC

  1735 Ronda St, Memphis, TN 38108
• 

  

  /19

  $279,900

  • 3 Beds
  • 2 Baths
  • 1,600+ Sq Ft

  141 N White Station Rd, Memphis, TN 38117

  Price Improvement!! Recently renovated 3 bedroom, 2 bathroom low maintenance brick home in East Memphis located a short distance from Richland Elementary School and White Station Middle School! Move-in ready with new plumbing and updated lighting throughout the home, neutral paint, new flooring, and an updated kitchen with new quartz countertops and cabinets, and breakfast bar. Bathrooms and

  Aaron Ivey eXp Realty

  141 N White Station Rd, Memphis, TN 38117
• 

  

  /12

  $139,500

  • 3 Beds
  • 1 Bath

  1048 Avon Rd, Memphis, TN 38122

  New Price Improvement!! One of Berclair's Nice Dwellings! ESTATE SALE!! "AS IS" freshly painted inside. Traditional Aluminum/Vinyl Siding, Living Room, Dining Room, Den, 3 Bedrooms, 1 Bath, Entry Hall w/Pantry, Central Heat. Features, Fenced backyard & Storage building. Look No Further This is the ONE. NO BLIND OFFERS - NON ASSIGNABILITY per SELLLER. Thanks

  Eddie Parker Crye-Leike, Inc., REALTORS

  1048 Avon Rd, Memphis, TN 38122

Showing Results 481 - 520, Page 13 of 18