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Montrose, CO Homes for Sale

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  • /3

    $207,000

    $43K PRICE DROP
    • Land
    • 20,908 Sq Ft
    • $431,250 per Acre

    Lot 6 Teton Ct, Montrose, CO 81401

    Build Your Luxury Custom Home on this spacious home site in new Valley Ranch subdivision. This spacious 1/3 acre lot offers the perfect setting to build your custom dream home, with breathtaking 360-degree views of the San Juan and Cimarron Mountains to the south, and the Grand Mesa to the north. This is your opportunity to create a one-of-a-kind residence on a prime lot with spectacular views.

    Eric Feely NextHome Virtual

    Lot 6 Teton Ct, Montrose, CO 81401
  • /37

    $995,000

    $295K PRICE DROP
    • 3 Beds
    • 2 Baths
    • 2,226 Sq Ft

    67196 Sunnyside Rd, Montrose, CO 81401

    Welcome to 67196 Sunnyside Road in Montrose, Colorado! This energy efficient 3 bedroom, 2 bathroom home is situated on 4 acres, with 3 irrigated acres in the heart of Montrose. Built in 2004, this 2,226 square foot home offers a perfect blend of comfort, functionality, and the Western Colorado lifestyle. Featuring valuable irrigation water rights through UVWUA and easy maintenance with a RainBird

    Caitlin Lucchesi United Country Real Colorado Properties

    67196 Sunnyside Rd, Montrose, CO 81401
  • /19

    $275,000

    $15K PRICE DROP
    • 1 Bed
    • 1 Bath
    • 810 Sq Ft

    1011 S 5th St, Montrose, CO 81401

    Seize this investment opportunity. Discover the potential in this classic 1955 single-family home, perfectly positioned on a generous 6,250-square-foot lot within the City of Montrose’s Redevelopment Overlay (REDO) District. Featuring 1 bedroom and 1 bathroom, this 810 sq. ft. wood-frame residence is an ideal fit for those seeking a cozy lifestyle, a strategic starter home, or a high-potential

    Janece Culver NextHome Virtual

    1011 S 5th St, Montrose, CO 81401
  • /15

    $85,000

    • 2 Beds
    • 1 Bath
    • 924 Sq Ft

    383 S Hillcrest Dr Unit 85, Montrose, CO 81401

    Affordable Living Close to Downtown! Don't miss this well maintained 2-bedroom, 1-bath mobile home offering comfort, convenience, and exceptional value. Located in a quiet community just minutes from downtown shopping, restaurants, medical facilities, and local amenities, this move-in-ready home is perfect for anyone looking for low-maintenance living. The bright and inviting interior features

    Jennifer Thomas NextHome Virtual

    383 S Hillcrest Dr Unit 85, Montrose, CO 81401
  • /8

    $160,000

    • Land
    • 4 Acres
    • $40,000 per Acre

    TDB Lot 3 5790 Rd, Montrose, CO 81403

    Located in the scenic Shavano Valley, this property offers fertile fields, sandstone canyon walls, and expansive views of the San Juan Mountains. Just 15 minutes from downtown Montrose and under five minutes from the Uncompahgre Plateau and National Forest, it provides quick access to both recreation and town. Only an hour’s drive to Telluride Ski Resort and reachable by ATV to Moab, UT, the area

    Bryan Walchle Eagle Land Brokerage

    TDB Lot 3 5790 Rd, Montrose, CO 81403
  • /3

    $125,000

    $65K PRICE DROP
    • Land
    • 14,810 Sq Ft
    • $367,647 per Acre

    Lot 1 Skyview Dr, Montrose, CO 81401

    Build Your Luxury Custom Home on this spacious home site in new Valley Ranch subdivision. This spacious 1/3 acre lot offers the perfect setting to build your custom dream home, with breathtaking 360-degree views of the San Juan and Cimarron Mountains to the south, and the Grand Mesa to the north. This is your opportunity to create a one-of-a-kind residence on a prime lot with spectacular views.

    Eric Feely NextHome Virtual

    Lot 1 Skyview Dr, Montrose, CO 81401
  • /14

    $249,000

    • Land
    • 2.08 Acres
    • $119,712 per Acre

    63242 Pearl Rd, Montrose, CO 81403

    Exceptional 2+ Acre Spring Creek South Lot with LIVE Water, Shared Pond, Protected Cimarron Mountain Views, Irrigation Water, and Straight Up Magic Every Direction You Look. Secure your slice of paradise in this unmatched location, with peace and tranquility embodied in your very own, gorgeous seasonal creek running through your property. Think you can't have mature, gorgeous landscaping in a

    Diana Atha Keller Williams Colorado West Realty

    63242 Pearl Rd, Montrose, CO 81403
  • /20

    $69,000

    $11K PRICE DROP
    • 3 Beds
    • 2 Baths
    • 1,216 Sq Ft

    901 6530 Rd Unit 4103, Montrose, CO 81401

    3 MONTHS OF LOT RENT for the buyer offered with this home. Located in the Cimarron Creek community in Montrose, Colorado, this 2000 manufactured home offers a great opportunity for buyers looking to add value with some TLC. The property will require cleaning and updates making it an ideal candidate for personalization. This home features 3 bedrooms and 2 bathrooms, providing a functional layout

    Michelle Keltz CENTURY 21 Elevated Real Estate

    901 6530 Rd Unit 4103, Montrose, CO 81401
  • /36

    $892,000

    New Construction
    • 4 Beds
    • 2.5 Baths
    • 2,447 Sq Ft

    68118 Ute Valley Dr, Montrose, CO 81403

    Set on a spacious corner lot just under 1.5 acres in the desirable Willow Creek Subdivision, this brand-new mountain modern home delivers the perfect blend of clean design, functionality, and Western Colorado beauty. The striking exterior features a mix of stone, metal, and stucco finishes, complemented by a durable metal roof—giving the home a strong, modern presence from the moment you arrive.

    Lindsay Comstock Keller Williams Colorado West Realty

    68118 Ute Valley Dr, Montrose, CO 81403
  • /32

    $549,000

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

    62068 Highway 90, Montrose, CO 81403

    Mesmerizing Farmhouse Dream Life Comes Alive with Picturesque, Idyllic Residence, Towering Trees and Lush Yard, Massive Shop, Your Own Well, and No HOA! Have you been looking for that inspired, wraparound front porch type of life, with teeming beauty and gorgeous country landscapes in every direction? Step inside to timeless hardwood floors, uniting the classic, functional floor plan. An open

    Diana Atha Keller Williams Colorado West Realty

    62068 Highway 90, Montrose, CO 81403
  • /6

    $830,000

    New Construction
    • 3 Beds
    • 3 Baths
    • 1,982 Sq Ft

    2547 Bridges Loop, Montrose, CO 81401

    Join the excitement of BBC Clubhouse Villa living at The Bridges. This 3-Bedroom, 1 story Villa is within easy walking distance of the beautiful Bridges Golf and CC Clubhouse and Remington's Restaurant. These beautiful Villas offer maintenance free living to allow for more time to enjoy all the Montrose area has to offer. Price and specifications are based on Model B. Completion date is

    Ty Jennings Shining Mountain Realty

    2547 Bridges Loop, Montrose, CO 81401
  • /42

    $789,000

    New Construction $66K PRICE DROP
    • 3 Beds
    • 2.5 Baths
    • 2,243 Sq Ft

    21470 Government Springs Rd, Montrose, CO 81403

    Featuring a dedicated office plus three additional bedrooms, this exceptional semi-custom home in Thornburgh Estates offers a rare blend of quality construction, refined finishes, and breathtaking San Juan Mountain views. Set on a generous 1.34-acre lot with ample irrigation water to support expansive lawns, gardens, and future landscaping dreams, this home was built by a respected local builder

    Debra Harmon 20 Sleeps West Real Estate

    21470 Government Springs Rd, Montrose, CO 81403
  • /24

    $315,000

    $10K PRICE DROP
    • 2 Beds
    • 1.5 Baths
    • 1,354 Sq Ft

    1652 Rhine Ct, Montrose, CO 81401

    Enjoy easy, low-maintenance living in this bright and inviting single-level patio home, perfectly situated at the end of a quiet cul-de-sac in The Vineyards at Vista San Juan. This 2-bedroom, 2-bath townhome features a comfortable open layout with vaulted ceilings, abundant natural light, and a seamless connection between indoor and outdoor spaces. Step outside to your private covered patio,

    Valerie Meyers Coldwell Banker Distinctive Properties

    1652 Rhine Ct, Montrose, CO 81401
  • /2

    $749,990

    New Construction
    • 5 Beds
    • 3 Baths
    • 2,062 Sq Ft

    2325 Stone Bridge Dr, Montrose, CO 81401

    Modern Luxury Meets Everyday Comfort – New Construction (2026) Welcome to the home you've been dreaming of—a thoughtfully designed new construction, built in 2026, where timeless style meets modern functionality. Every detail has been carefully curated to create a warm, inviting space that feels both luxurious and effortlessly comfortable. Offering either 4 spacious bedrooms plus a dedicated

    Kree Christie Berkshire Hathaway HomeServices Colorado Properties

    2325 Stone Bridge Dr, Montrose, CO 81401
  • /37

    $545,000

    • 3 Beds
    • 2 Baths
    • 1,762 Sq Ft

    2200 American Way, Montrose, CO 81401

    Welcome to this beautifully maintained single-level home in one of Montrose's desirable neighborhoods! Built in 2003, this spacious 3-bedroom, 2-bathroom residence offers a thoughtfully designed split-bedroom floor plan, providing privacy and comfort for family members and guests alike. The generously sized primary suite is a true retreat, featuring a large sitting area that's perfect for

    Glenn Steil Style Real Estate LLC

    2200 American Way, Montrose, CO 81401
  • /13

    $535,000

    • Land
    • 8.25 Acres
    • $64,848 per Acre

    TBD (lot 3) 6725 Rd, Montrose, CO 81401

    Location, views, and value converge on Lot 3, a premium 8.25-acre homesite offering the rare opportunity to enjoy peaceful country living without sacrificing convenience. Ideally situated just minutes from town, this exceptional parcel delivers the privacy, space, and scenery buyers seek in Western Colorado while remaining easily accessible to everyday amenities, shopping, dining, healthcare, and

    Reese Lovell Full Curl Ranches

    TBD (lot 3) 6725 Rd, Montrose, CO 81401
  • /42

    $1,650,000

    • Land
    • 810 Acres
    • $2,037 per Acre

    tbd Tbd, Montrose, CO 81401

    Discover an extraordinary opportunity to own 810 acres of prime Western Colorado land in scenic Montrose County—a rare blend of recreational paradise and productive agricultural ground. Located just approximately 3.75 miles north of 90 Road, this expansive property offers both seclusion and convenient access to the amenities of nearby Montrose. Set against a backdrop of wide-open skies and

    Julie Shafer COLDWELL BANKER DISTINCTIVE PROPERTIES

    tbd Tbd, Montrose, CO 81401
  • /21

    $435,000

    • 3 Beds
    • 2 Baths
    • 2,056 Sq Ft

    720 Golden Dr, Montrose, CO 81401

    The home is adjacent to the park. Inside, home has a generously sized kitchen, with a walk-in pantry and has an open floor plan. The primary bedroom offers a bathroom with a soaking tub, a walk-in shower and walk in closet. All bedrooms have walk in closets. The home a large utility room with plentiful of storage space. The backyard is spacious with has raised garden beds, shed and RV parking

    Michelle Martinez Skytan Real Estate, LLC

    720 Golden Dr, Montrose, CO 81401
  • /8

    $1,500,000

    • Land
    • 10.3 Acres
    • $145,631 per Acre

    TBD S Hillcrest Dr, Montrose, CO 81401

    Premier 10-acre multifamily development opportunity near historic downtown Montrose and popular amenities. This parcel was rezoned in 2023 to R-4 (24 units/acre) to help address Montrose’s acute housing shortage. R-4 is the city’s highest density residential zoning designation. With very few existing apartment buildings in Montrose and housing a top priority for city hall, this site positions a

    Klete Keller Hoff & Leigh Western Slope, LLC

    TBD S Hillcrest Dr, Montrose, CO 81401
  • /11

    $289,000

    • Land
    • 3.58 Acres
    • $80,726 per Acre

    Lot 1 Mancos Ln, Montrose, CO 81403

    Looking for a larger lot with some great views to build your forever home? This might be the one for you. Situated at the end of the cul-de-sac, this property will have very little traffic and with the larger lots around, you have extra breathing room. This flat lot is adjacent to Dakota Vista subdivision where there are beautiful properties surrounding you, fields below you, and sunrises and

    Michelle Keltz CENTURY 21 Elevated Real Estate

    Lot 1 Mancos Ln, Montrose, CO 81403
  • /30

    $595,000

    $55K PRICE DROP
    • 3 Beds
    • 3 Baths
    • 2,008 Sq Ft

    66111 Juniper Ct, Montrose, CO 81403

    NEW ROOF COMING SOON! The sellers are scheduled to have a new roof installed the week of July 6, 2026. Situated on a beautifully landscaped 1/3-acre cul-de-sac lot in the desirable Woodgate subdivision, this exceptional home offers a rare blend of refined artistic charm, thoughtful updates, and outstanding outdoor living. Move-in ready and full of character, the property provides a peaceful

    Valerie Meyers Coldwell Banker Distinctive Properties

    66111 Juniper Ct, Montrose, CO 81403
  • /29

    $390,000

    • 2 Beds
    • 2 Baths
    • 1,241 Sq Ft

    2113 Market St, Montrose, CO 81401

    Perfectly Pristine Patio Home Offering with Gorgeous Finishes, Serene Backyard, Cul-De-Sac Location and Walking Distance to Quality Amenities! Your job is to sit back, relax, and sip your favorite beverage, and enjoy landscaping, snow removal and irrigation water being handled for you. Step inside to a timeless, open concept floor plan with everything you need and nothing you don't. The kitchen

    Diana Atha Keller Williams Colorado West Realty

    2113 Market St, Montrose, CO 81401
  • /45

    $820,000

    $5K PRICE DROP
    • 3 Beds
    • 2.5 Baths
    • 2,030 Sq Ft

    61393 Niagara Rd, Montrose, CO 81403

    Come sit on the front porch of your very own Hobby Farm and take in the mountain view as you watch your horses enjoy the lush pastures. Very thoughtful 4 acre property! San Juan Mountain views from every window facing south! Irrigation water, open barn for your projects and corrals for your animals. Hay field produces 150 bales a cutting! The house is well built with 3 bedrooms, 2 full baths and

    Julia Seglund Canyon Creek Realty, LLC

    61393 Niagara Rd, Montrose, CO 81403
  • /3

    $170,000

    $50K PRICE DROP
    • Land
    • 17,859 Sq Ft
    • $414,634 per Acre

    Lot 4 Teton Ct, Montrose, CO 81401

    Build Your Luxury Custom Home on this spacious home site in new Valley Ranch subdivision. This spacious 1/3 acre lot offers the perfect setting to build your custom dream home, with breathtaking 360-degree views of the San Juan and Cimarron Mountains to the south, and the Grand Mesa to the north. This is your opportunity to create a one-of-a-kind residence on a prime lot with spectacular views.

    Eric Feely NextHome Virtual

    Lot 4 Teton Ct, Montrose, CO 81401
  • /20

    $330,000

    • Land
    • 1.61 Acres
    • $205,352 per Acre

    TBD Lot 2 6360 Rd, Montrose, CO 81403

    This 1.7 acres lot has river frontage and ready to build your dream home on. The property has water/sewer taps and private access to the river. The property has large mature trees for you to enjoy and also this piece of property gives you privacy. This is a perfect opportunity for you and your future home!

    Mark Covington RE/MAX Alpine View

    TBD Lot 2 6360 Rd, Montrose, CO 81403
  • /42

    $1,198,000

    • 3 Beds
    • 3.5 Baths
    • 4,291 Sq Ft

    3339 Ivory Ct, Montrose, CO 81401

    Located on one of Montrose's most desirable streets, this exceptional 4,300± sq. ft. home offers the perfect blend of quality craftsmanship, spacious living, and beautiful outdoor surroundings. Wonderfully manicured landscaping, a picturesque pond on open space right near the backyard, and an oversized three-car garage create stunning curb appeal from the moment you arrive. A handcrafted front

    Hunter Anderson Telluride Properties LLC

    3339 Ivory Ct, Montrose, CO 81401
  • /14

    $950,000

    • 2 Beds
    • 3.5 Baths
    • 4,634 Sq Ft

    5 Ponderosa Ct, Montrose, CO 81401

    This unique 10,260 sq. ft. live-work-barndominium residence property on 2.02 acres blends comfortable residential living, privacy and multi-use workshops. The main 6186 sq. ft. residence building features open-concept living space with two large bedrooms, a modern full bathroom, and a large upstairs loft ideal for an office space, game room or home theater. New cooling system, July 2026.The

    Gary West NextHome Virtual

    5 Ponderosa Ct, Montrose, CO 81401
  • /3

    $145,000

    $40K PRICE DROP
    • Land
    • 14,374 Sq Ft
    • $439,394 per Acre

    Lot 11 Teton Ct, Montrose, CO 81401

    Build Your Luxury Custom Home on this spacious home site in new Valley Ranch subdivision. This spacious 1/3 acre lot offers the perfect setting to build your custom dream home, with breathtaking 360-degree views of the San Juan and Cimarron Mountains to the south, and the Grand Mesa to the north. This is your opportunity to create a one-of-a-kind residence on a prime lot with spectacular views.

    Eric Feely NextHome Virtual

    Lot 11 Teton Ct, Montrose, CO 81401
  • /25

    $69,000

    $6K PRICE DROP
    • 2 Beds
    • 1 Bath
    • 924 Sq Ft

    62880 Lasalle Rd Unit 23, Montrose, CO 81401

    This beautifully maintained 2-bedroom, 1-bath home is filled with natural light and thoughtful updates throughout, and with a MOTIVATED SELLER, it’s an opportunity you won’t want to miss. The kitchen and dining area are located at the front of the home and feature brand-new cabinets, countertops, laminate flooring, and a recently replaced dishwasher and range/oven. A cozy breakfast bar adds the

    Christine Vincent NextHome Virtual

    62880 Lasalle Rd Unit 23, Montrose, CO 81401
  • /45

    $865,000

    $23K PRICE DROP
    • 4 Beds
    • 2 Baths
    • 2,569 Sq Ft

    21475 Highway 550, Montrose, CO 81403

    As you approach this stunning, professionally restored 19th-Century Farmhouse, you’re greeted by a vibrant and mature landscape with meticulously irrigated gardens, creating a peaceful and inviting atmosphere spread across the 1.37-irrigated acres. Prepare to fall in love with this artfully restored home as it offers 2,569 sqft of living space with 4 bedrooms, 2 bathrooms, and a dramatic blend of

    Aaron Tobler RE/MAX Alpine View

    21475 Highway 550, Montrose, CO 81403
  • /33

    $471,000

    • 4 Beds
    • 3 Baths
    • 2,040 Sq Ft

    63475 E Juniper Rd, Montrose, CO 81401

    Experience the best of Western Colorado living at 63475 Juniper Rd, where breathtaking mountain and valley views, wide open space, and a thoughtfully designed home come together to create an exceptional lifestyle opportunity. Situated on just over an acre, this spacious 4 bedroom, 3 bath property offers the perfect balance of peaceful country living, privacy, and everyday convenience. With

    Andrew Reed INK Realty LLC

    63475 E Juniper Rd, Montrose, CO 81401
  • /7

    $680,344

    • Land
    • 1.11 Acres
    • $612,923 per Acre

    TBD Mayfly Dr, Montrose, CO 81401

    LOT: 5 Perfect development opportunity in Montrose! This 1.116-acre lot sits in the heart of the Colorado Outdoors subdivision with direct access to the growing commercial and residential corridor. Positioned along the riverfront with huge city-backed incentives for developers. An ideal spot for mixed-use, recreation, or housing projects that tie into the outdoor lifestyle.

    Kelsay Heath COLDWELL BANKER COMMERCIAL PRIME PROPERTIES

    TBD Mayfly Dr, Montrose, CO 81401
  • /31

    $1,385,000

    • 3 Beds
    • 2 Baths
    • 1,488 Sq Ft

    851 E Main St Unit 2, Montrose, CO 81401

    Built in 2019, this beautifully appointed mountain modern 3-bedroom, 2-bath duplex offers 1,488 square feet of thoughtfully designed living space, blending contemporary style, quality finishes, exceptional privacy, and an unbeatable Minturn location. Framed by mature trees, beautiful mountain views, and a serene forested backdrop, this home strikes the perfect balance of privacy, convenience, and

    Christopher Scherpf LIV Sotheby's Int Realty Beaver Creek Village

    851 E Main St Unit 2, Montrose, CO 81401
  • /34

    $379,990

    $50K PRICE DROP
    • 3 Beds
    • 2 Baths
    • 1,716 Sq Ft

    426 S 3rd St, Montrose, CO 81401

    This beloved community landmark was cherished by the same family for nearly 60 years. This craftsman style home is where countless stories were shared and community bonds were built. This was truly the original Kool-Aid house, where everyone was welcome to share a story or two. This 1716 ft.2 3 bedroom one full and a 3/4 bath home includes a two car detached 24 x 24 garage with an additional 10 x

    Jeff Keehfuss Berkshire Hathaway HomeServices Colorado Properties

    426 S 3rd St, Montrose, CO 81401
  • /2

    $983,458

    • Land
    • 1.61 Acres
    • $610,843 per Acre

    TBD Mayfly Dr Unit Lot 22, Montrose, CO 81401

    Shovel-ready lots for sale or build-to-suit with zoning for commercial, business, medical, hospitality, residential, industrial, and multifamily. Development along the Uncompahgre River is designated as a federal Opportunity Zone and Tax Increment Financing district. Other lot sizes available; contact the listing agent for more information—master detention on site. Fiberinternet is connected.

    Mike Foster Coldwell Banker Commercial Prime Prop.

    TBD Mayfly Dr Unit Lot 22, Montrose, CO 81401
  • /6

    $449,890

    • Land
    • 31,798 Sq Ft
    • $616,288 per Acre

    TBD Mayfly Dr, Montrose, CO 81401

    Shovel-ready lots for sale or build-to-suit with zoning for commercial, business, medical, hospitality, residential, industrial, and multifamily. Development along the Uncompahgre River is designated as a federal Opportunity Zone and Tax Increment Financing district. Other lot sizes available; contact the listing agent for more information—master detention on site. Fiber internet is connected.

    Kelsay Heath COLDWELL BANKER COMMERCIAL PRIME PROPERTIES

    TBD Mayfly Dr, Montrose, CO 81401
  • /45

    $1,099,000

    $101K PRICE DROP
    • Studio
    • 4,903 Sq Ft

    2091 Locust Rd, Montrose, CO 81401

    Colleen Aller Keller Williams Realty Southwest Associates, LLC - Montrose

    2091 Locust Rd, Montrose, CO 81401
  • /7

    $140,000

    $20K PRICE DROP
    • Land
    • 1.04 Acres
    • $134,875 per Acre

    19011 Happy Canyon Rd, Montrose, CO 81403

    Freedom, Views, and Endless Adventure in Western Colorado. Discover the perfect canvas for your next chapter on this unique 1.038-acre parcel. Free from the constraints of covenants and deed restrictions, this property offers rare flexibility for custom, modular, or manufactured homes. Every practical detail is already handled: irrigation water is secured, and the domestic water tap is fully paid

    Debra Rowe NextHome Virtual

    19011 Happy Canyon Rd, Montrose, CO 81403
  • /2

    $983,458

    • Land
    • 1.61 Acres
    • $610,843 per Acre

    TBD-Lot 22 Mayfly Dr, Montrose, CO 81401

    Industrial lots from .64 AC to 11.23 acres available for development. Shovel-ready lots for sale or build-to-suit with zoning for commercial, business, medical, hospitality, residential, industrial, and multifamily. Development along the Uncompahgre River is designated as a federal Opportunity Zone and Tax Increment Financing district. Other lot sizes available; contact an agent for more

    Mike Foster Coldwell Banker Commercial Prime Properties LLC

    TBD-Lot 22 Mayfly Dr, Montrose, CO 81401
  • /11

    $899,000

    New Construction
    • 3 Beds
    • 2.5 Baths
    • 2,802 Sq Ft

    13679 6900 Rd, Montrose, CO 81401

    BARNDOMIUM on 3 irrigated acres – Estimated Completion End of April. This stunning new construction 3-bedroom, 2.5-bath barndominium blends rustic charm with modern country living on 3 lush, irrigated acres east of Montrose, offering easy access to downtown while enjoying wide-open space and breathtaking western sunset views. Designed with a flowing, open-concept layout, the home features a

    Debra Harmon 20 Sleeps West Real Estate

    13679 6900 Rd, Montrose, CO 81401

Showing Results 561 - 600, Page 15 of 16

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