1,410

Homes for Sale in 78132

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  • /9

    $105,000

    • Land
    • 0.26 Acre
    • $406,977 per Acre

    1202 Creek Canyon, New Braunfels, TX 78132

    Welcome to your future homesite in the highly sought-after Estates at Stone Crossing community in New Braunfels, Texas! This exceptional corner lot offers the perfect blend of privacy and convenience, located just a short distance from the community playground and mailboxes. With easy access to Loop 337 and I-35, alleviating the stress of a daily commute, while still enjoying the peaceful charm

    Paige Satterfield Real Broker, LLC

    1202 Creek Canyon, New Braunfels, TX 78132
  • /8

    $95,000

    • Land
    • 0.2 Acre
    • $472,637 per Acre

    1065 Limestone Way, New Braunfels, TX 78132

    Dreaming of your own slice of Hill Country paradise? This .2-acre residential lot in the sought-after Estates at Stone Crossing is ready for you! With electric onsite and city water available, all that's missing is the home you've been envisioning. The lot's gentle slope leads to a seasonal creek, offering a tranquil backdrop for your future oasis. Nestled in a community that features a

    Paige Satterfield Real Broker, LLC

    1065 Limestone Way, New Braunfels, TX 78132
  • /5

    $562,500

    • Land
    • 1.08 Acres
    • $522,770 per Acre

    870 Bingham Ln, Canyon Lake, TX 78132

    **Stunning 1.076 Acre Lot Near the Guadalupe River!**Discover your slice of paradise with this beautiful 1.076-acre lot, perfectly located just minutes from the pristine waters of the Guadalupe River in New Braunfels, TX. This serene property offers a tranquil setting, ideal for building your dream home or vacation retreat. Enjoy the natural beauty surrounding you, with ample

    Jennifer Johnson Griffin Realty & Associates

    870 Bingham Ln, Canyon Lake, TX 78132
  • /5

    $548,902

    • Land
    • 1.05 Acres
    • $523,262 per Acre

    862 Bingham Ln, Canyon Lake, TX 78132

    **Stunning 1.049 Acre Lot Near the Guadalupe River!**Discover your slice of paradise with this beautifully 1.049-acre lot, perfectly located just minutes from the pristine waters of the Guadalupe River in New Braunfels, TX. This serene property offers a tranquil setting, ideal for building your dream home or vacation retreat. Enjoy the natural beauty surrounding you, with ample

    Jennifer Johnson Griffin Realty & Associates

    862 Bingham Ln, Canyon Lake, TX 78132
  • /23

    $349,000

    • 3 Beds
    • 2 Baths
    • 1,510 Sq Ft

    2026 Flametree Ave, Canyon Lake, TX 78132

    Welcome to your dream home in the heart of New Braunfels, Texas. This amazing home in Veramendi has never been lived in. Beautiful Flooring, that matches the color scheme of the cabinets as well as the kitchen countertops. Perfect L shaped office area. 3 bedrooms, 2 baths, perfectly blends modern comfort with hill country charm. This spacious living area flows into a bright airy kitchen, with

    Vikki Leggitt Levi Rodgers Real Estate Group

    2026 Flametree Ave, Canyon Lake, TX 78132
  • /40

    $525,000

    • 4 Beds
    • 3 Baths
    • 2,508 Sq Ft

    514 Orchard Way, New Braunfels, TX 78132

    Step inside this stunning home where modern elegance meets ultimate comfort. Designed with an open floor plan, this home offers a seamless flow between living spaces, perfect for entertaining or simply enjoying time with loved ones. The heart of the home opens to a beautifully extended back patio and deck, ideal for outdoor gatherings, morning coffee, or peaceful evenings under the stars. The

    Janet Smalley Kuper Sotheby's Int'l Realty N

    514 Orchard Way, New Braunfels, TX 78132
  • /16

    $180,000

    • Land
    • 1.32 Acres
    • $136,260 per Acre

    5736 Copper Vista, New Braunfels, TX 78132

    Welcome to 5736 Copper Vista, an incredible opportunity to build your dream home in the exclusive Copper Ridge community in New Braunfels, TX. This spacious 1.32-acre lot offers stunning panoramic views of the beautiful Hill Country, with mature trees adding to its charm and privacy.As part of the Copper Ridge community, you'll enjoy top-tier amenities including swimming pools, tennis and

    Scott Malouff Keller Williams Heritage

    5736 Copper Vista, New Braunfels, TX 78132
  • /29

    $549,500

    • 2 Beds
    • 2 Baths
    • 1,183 Sq Ft

    540 River Run Unit 114, New Braunfels, TX 78132

    NEW CONSTRUCTION CONDO ON THE GUADALUPE RIVER. Welcome to Rio Guadalupe Condos, where luxury living meets the tranquility of nature. This pristine Guadalupe riverfront view can be yours from the patio right outside your living room sliding doors. Imagine enjoying access to the Guadalupe River at 4th crossing, offering the most picturesque views of the river and limestone bluffs. This first floor

    Jay Gambrell Epique Realty LLC

    540 River Run Unit 114, New Braunfels, TX 78132
  • /38

    $484,999

    • 3 Beds
    • 2.5 Baths
    • 2,132 Sq Ft

    1124 Limestone Way, New Braunfels, TX 78132

    Nestled conveniently off I-35 in the vibrant city of New Braunfels, discover your next home in the welcoming community of Stone Crossing. This thoughtfully designed open-concept layout boasts soaring ceilings, giving the main floor an expansive feel perfect for entertaining. The Palisade plan is designed with all three bedrooms upstairs, creating a dedicated private retreat while leaving the

    Collin Corrington White Line Realty LLC

    1124 Limestone Way, New Braunfels, TX 78132
  • /41

    $727,000

    • 4 Beds
    • 3 Baths
    • 2,987 Sq Ft

    588 Vale Ct, New Braunfels, TX 78132

    Introducing 588 Vale Court, a stunning single-story home in the highly sought-after Vintage Oaks neighborhood. This beautifully designed 4-bedroom, 3-bathroom residence offers an ideal blend of luxury and comfort with a modern open floorplan. The chef’s kitchen is a true highlight, featuring a grand kitchen island, a gas range, double-stacked oven, built-in microwave, and dishwasher—all

    Michael Lynch Core 35 Realty

    588 Vale Ct, New Braunfels, TX 78132
  • /40

    $1,294,000

    • 4 Beds
    • 4 Baths
    • 4,929 Sq Ft

    139 Regent Pass, New Braunfels, TX 78132

    Welcome to this beautiful, 4-bedroom, 4-bathroom home in the sought-after River Chase neighborhood of New Braunfels, offering a peaceful, relaxed lifestyle. This 4,900+ sq ft residence features oversized rooms, most that have been remodeled with new paint, countertops, flooring, custom blinds, drapes, including front iron doors. The property spans over 2 fully fenced and gated acres at the end of

    Kristi Larkam Compass RE Texas, LLC

    139 Regent Pass, New Braunfels, TX 78132
  • /34

    $2,200,000

    • 1,896 Sq Ft

    5441 Fm 1102, New Braunfels, TX 78132

    7 CAP RATE!!! SELLER FINANCING AVAILABLE - This mixed-use property is a total gem!! And income producing. Located just outside the historic Texas town of Gruene, these 2 lots sit on a road with high traffic & visibility. Zoned for commercial use, the property has 4 active commercial leases. The listing includes 2 properties: 5441 & 5481 FM 1102. Unrestricted & outside city limits so there are no

    Amanda Mercer Real Broker, LLC

    5441 Fm 1102, New Braunfels, TX 78132
  • /36

    $215,000

    • Land
    • 1.04 Acres
    • $206,731 per Acre

    2382 Appellation, New Braunfels, TX 78132

    This stunning 1.04-acre lot in Vintage Oaks offers the perfect setting for your dream home, complete with gentle breezes and beautiful views. The property is adorned with numerous oak trees, enhancing its natural charm. There is a 100 year old oak on the front of the property. Vintage Oaks boasts resort-style amenities, including walking trails, multiple swimming pools, a lazy river, a clubhouse,

    Kristen Williams Keller Williams Realty

    2382 Appellation, New Braunfels, TX 78132
  • /40

    $1,248,000

    • 4 Beds
    • 3 Baths
    • 2,636 Sq Ft

    2701 Hillside Cir, New Braunfels, TX 78132

    Come see this incredible home on over 24 breathtaking wooded acres with spectacular views in the heart of the Texas Hill Country! Privacy, peace and serenity abound. The living room, kitchen and master bedroom have many large windows which allow an abundance of natural lighting. This is truly an owner's dream! Exceptional space to entertain with multiple decks or just to enjoy your own private

    Patty Hardy Sheridan Realty

    2701 Hillside Cir, New Braunfels, TX 78132
  • /13

    $285,000

    • Land
    • 1.01 Acres
    • $282,178 per Acre

    1918 Rothschild, Canyon Lake, TX 78132

    INCREDIBLE ELEVATED 1 ACRE LOT WITH GORGOUS VIEWS IN VINTAGE OAKS! Come check out the perfect place to build your TX Hill Country dream home! This lot is flat and ready to build on and offers mature trees, awesome views, lots of privacy and is surrounded by elegant custom homes on a culdesac with no pass-through traffic. Backing up to one of the walking trails makes the lot seem even larger and

    Jeremy Wells Wellstone Properties

    1918 Rothschild, Canyon Lake, TX 78132
  • /15

    $175,000

    • Land
    • 2.18 Acres
    • $80,349 per Acre

    1585 Hilltop Ridge, New Braunfels, TX 78132

    Huge price reduction!! Welcome to this stunning 2.17-acre lot in the highly sought-after Summit subdivision, offering breathtaking views and abundant natural privacy. Home to numerous mature trees, this picturesque property is perfect for building your dream home in a sought-after school district. Located just off scenic River Road, this lot is ideally situated near popular recreational areas

    Laura Vargas Premier Realty Group

    1585 Hilltop Ridge, New Braunfels, TX 78132
  • /12

    $650,000

    • Land
    • 1.04 Acres
    • $625,602 per Acre

    1461 White Water Rd, New Braunfels, TX 78132

    Discover the ultimate retreat on this picturesque 1.039-acre lot along the serene Guadalupe River, featuring 93 feet of stunning riverfront access. Imagine waking up to sweeping water views, embraced by the tranquility of nature and the shade of mature trees that offer both beauty and privacy. This exceptional lot provides the charm of country living without the burden of city taxes, while still

    Levi Rodgers Levi Rodgers Real Estate Group

    1461 White Water Rd, New Braunfels, TX 78132
  • /36

    $459,900

    • 4 Beds
    • 3.5 Baths
    • 2,716 Sq Ft

    1304 Meyer Pkwy, New Braunfels, TX 78132

    Fall in love with this stunning custom home in the coveted Meyer Ranch community, where affordable luxury meets exceptional craftsmanship. This bright, open floor plan offers two spacious primary retreats, Jack-and-Jill bedrooms (only carpet in bedrooms), and a formal dining area. The inviting kitchen features an oversized island with counter-height seating, quartz countertops, stainless steel

    Lisa Sinn Keller Williams Heritage

    1304 Meyer Pkwy, New Braunfels, TX 78132
  • /27

    $199,800

    • Land
    • 1.02 Acres
    • $195,882 per Acre

    0 Tbd Lot 1196 Unit 1815096, New Braunfels, TX 78132

    Dont miss this exquisite gem in the exclusive community of Vintage Oaks at the Vineyard. This expansive 1.02-acre lot is tucked away on a corner lot with Timber Ridge Park in front, offering the perfect canvas for crafting your custom dream home. The beauty of this land is enhanced by majestic mature trees that adorn the landscape, and hill country views. Enjoy extraordinary resort-style

    Rossana Correa Keller Williams City-View

    0 Tbd Lot 1196 Unit 1815096, New Braunfels, TX 78132
  • /33

    $999,000

    • Land
    • 0.59 Acre
    • $1,693,220 per Acre

    9A Rivers Edge at Gruene, New Braunfels, TX 78132

    Welcome to River’s Edge at Gruene, a premier river community nestled along a pristine stretch of the Guadalupe River and just down the road from historic Gruene. We are now offering the only river lots in the entire community, which reside in a small, exclusive gated portion of Rivers Edge.Enjoy charming shops, world-class dining, and live music at Gruene Hall. Embrace outdoor adventures

    Wade Goodwin NB Regal Real Estate, LLC

    9A Rivers Edge at Gruene, New Braunfels, TX 78132
  • /18

    $269,500

    • 3 Beds
    • 2 Baths
    • 1,588 Sq Ft

    4016 Northaven Trail, New Braunfels, TX 78132

    Welcome to this spacious one-story home perfectly designed to cater to the modern lifestyle featuring a large, open concept family room, making it an ideal space for entertaining family and friends. Step into a home adorned with thousands of dollars in upgrades, including elegant granite countertops, energy-efficient appliances, and convenient USB outlets in the kitchen. You'll also appreciate

    Joseph Rothrock Red Wagon Properties

    4016 Northaven Trail, New Braunfels, TX 78132
  • /24

    $202,000

    • Land
    • 1 Acre
    • $202,000 per Acre

    707 Haven Point Loop, New Braunfels, TX 78132

    Unbelievable opportunity, Unbelievable location, Unbelievable corner lot in an absolutely gorgeous neighborhood. Welcome to Havenwood At Hunters Crossing - this beautiful 1-acre lot has amazing oak trees and a nice level area for your new custom home. The neighborhood has wonderful amenities for the whole family and every time you Drive into this unbelievable neighborhood - It just says Welcome

    Kenneth Shumake Keller Williams Heritage

    707 Haven Point Loop, New Braunfels, TX 78132
  • /46

    $1,149,000

    • 4 Beds
    • 3.5 Baths
    • 3,865 Sq Ft

    1028 Spanish Trail, New Braunfels, TX 78132

    Custom built single story home by Anders Jenkins. Enter the gated courtyard to the private pool/spa area with casita with its own bedroom & bathroom (approx. 295 sq.ft. not included in square footage) The main home has a large open living area with fireplace, formal dining room with wine storage,breakfast area, gourmet kitchen with island, huge pantry, large utility area with mudroom,Master

    Bennie Brownlee Texas Land Team

    1028 Spanish Trail, New Braunfels, TX 78132
  • /33

    $375,000

    • Land
    • 0.39 Acre
    • $961,538 per Acre

    17B Rivers Edge at Gruene, New Braunfels, TX 78132

    Welcome to River’s Edge at Gruene, a premier river community nestled along a pristine stretch of the Guadalupe River and just down the road from historic Gruene. We are now offering the only river lots in the entire community, which reside in a small, exclusive gated portion of Rivers Edge. Enjoy charming shops, world-class dining, and live music at Gruene Hall. Embrace outdoor adventures like

    Wade Goodwin NB Regal Real Estate, LLC

    17B Rivers Edge at Gruene, New Braunfels, TX 78132
  • /19

    $450,000

    • 5 Beds
    • 3 Baths
    • 3,554 Sq Ft

    3125 Cameron River, Schertz, TX 78108

    MAJOR Price Adjustment.1% Lender credit towards closing cost when using preferred lender. Welcome HOME! This extremely spacious 5-bedroom, 3-bathroom home is perfect for you. The oversize kitchen features stainless steel appliances, granite countertops and a large breakfast island. The high ceilings and big windows give you a feel of elegance. Step into the large master bedroom with full

    Javasse Kearney Real Broker, LLC

    3125 Cameron River, Schertz, TX 78108
  • /42

    $624,900

    • 2 Beds
    • 2 Baths
    • 2,069 Sq Ft

    28764 Sierra Dr, New Braunfels, TX 78132

    Discover the beauty of Hill Country living with this stunning hand-hewn white pine log home, set on nearly 6 private acres with captivating views. Conveniently located between San Antonio, New Braunfels, and Bulverde, this property provides the perfect blend of seclusion and accessibility, with a reasonable commute to both Austin and San Antonio airports. The property is fully fenced and features

    Tomaline Johnson JB Goodwin, REALTORS

    28764 Sierra Dr, New Braunfels, TX 78132
  • /29

    $639,990

    • 4 Beds
    • 3 Baths
    • 2,803 Sq Ft

    445 Chinkapin Trail, New Braunfels, TX 78132

    The Caporina is a truly stunning single-story home spanning 2,803 sqft. With 4 bedrooms and 3 baths, this home offers ample space for comfortable living. As you step inside, you'll be greeted by a flex room featuring gorgeous barn doors, which can be used as a home office, a playroom, or a guest room. The spacious 3 car garage provides plenty of room for your vehicles and additional storage. One

    Marcus Moreno Details Communities, Ltd.

    445 Chinkapin Trail, New Braunfels, TX 78132
  • /10

    $199,000

    • Land
    • 1.01 Acres
    • $197,030 per Acre

    320 Copper Trace, New Braunfels, TX 78132

    ***Motivated seller. Come check out this one acre property with mature trees right next to the neighborhood amenities. As a premier 24-hour gated and guarded community in New Braunfels, Copper Ridge offers resort-style amenities (including a resort-style pool with both lap and play pool, pavilion with fireplace, barbecue and picnic tables, tennis and basketball courts, among others).

    Darron Soverall Noble Group Realty

    320 Copper Trace, New Braunfels, TX 78132
  • /48

    $1,099,000

    • 4 Beds
    • 4.5 Baths
    • 3,759 Sq Ft

    197 Falling Hills, New Braunfels, TX 78132

    EXCEPTIONAL HOME IN BEAUTIFUL RIVER CHASE with custom features that blend elegance with comfort. Double iron front doors open to the arched entryway and gallery. The spacious great room features ceiling beams, wood-burning fireplace and a view of the wooded backyard. The traditional layout includes a four bedrooms, each with a private bathroom, and a dedicated office. The primary bedroom

    Lynda D Escalante Vista Realty

    197 Falling Hills, New Braunfels, TX 78132
  • /25

    $459,000

    • 5 Beds
    • 3 Baths
    • 3,526 Sq Ft

    3113 Cameron River, Schertz, TX 78108

    *SELLER IS WILLING TO COVER A LARGE AMOUNT OF CLOSING COST* Introducing this stunning 2 story home in a quiet neighborhood offers soaring ceilings, providing an abundance of natural light and boasts 5 bedrooms, 3 full bathrooms. With the open floor plan, multiple living and dining areas this home allows space for the entire family! The kitchen features a huge island and breakfast bar with tons

    Crystal Lucas Real Broker, LLC

    3113 Cameron River, Schertz, TX 78108
  • /33

    $490,000

    • Land
    • 0.6 Acre
    • $816,667 per Acre

    6B Rivers Edge, New Braunfels, TX 78132

    Welcome to River's Edge at Gruene, a premier river community nestled along a pristine stretch of the Guadalupe River and just down the road from historic Gruene. We are now offering the only river lots in the entire community, which reside in a small, exclusive gated portion of Rivers Edge. Enjoy charming shops, world-class dining, and live music at Gruene Hall. Embrace outdoor adventures like

    Wade Goodwin NB Regal Real Estate

    6B Rivers Edge, New Braunfels, TX 78132
  • /27

    $175,000

    • Land
    • 1 Acres
    • $174,825 per Acre

    5830 Camp Creek Dr, New Braunfels, TX 78132

    Grab your opportunity to build your dream custom home in the guard gated community of Copper Ridge. Take in the view as you drive down this cul-de-sac street to your new home site. Look out over the scenic hill country and take in the breeze that blows on the hill. With a one acre lot you will have room to build as well as retain some of the natural beauty of the trees, cactus, and rock that this

    Erica Kennedy BHHS Don Johnson REALTORS - NB

    5830 Camp Creek Dr, New Braunfels, TX 78132
  • 2054 Inkberry Dr, Canyon Lake, TX 78132

    $505,990 New Construction

    • 4 Beds
    • 2.5 Baths
    • 3,086 Sq Ft

    2054 Inkberry Dr, Canyon Lake, TX 78132

    Upgraded Kitchen Layout and Dedicated Office Space. Welcome home to the beautiful Rosewood floor plan offering 4 bedrooms and 2 and a half bathrooms. The exterior boasts charming wood beam columns on the front porch, a two car garage, a covered back patio, and four sides brick masonry with attractive design detail on the front of the home. Inside, the upgraded kitchen layout features a cooktop in

    Builder Photo

    Brightland Homes

    Builder

    2054 Inkberry Dr, Canyon Lake, TX 78132
  • 2047 Stephanie Ave, Canyon Lake, TX 78132

    $439,990 New Construction

    • 3 Beds
    • 2 Baths
    • 2,016 Sq Ft

    2047 Stephanie Ave, Canyon Lake, TX 78132

    Welcome to this beautifully Laurel popular one story layout that is an upgraded 3 bedroom, 2 bath home by Brightland Homes, located in the highly desirable Veramendi community. With 2,016 SQFT of thoughtfully designed living space, this one story home offers comfort, style, and function. A stunning entry leads to an open concept layout with an office perfect for working from home or flexible use.

    Builder Photo

    Brightland Homes

    Builder

    2047 Stephanie Ave, Canyon Lake, TX 78132
  • /19

    $725,000 New Construction

    • 4 Beds
    • 2 Baths
    • 1,680 Sq Ft

    3429 Farm To Market Road 306, New Braunfels, TX 78132

    Welcome to Your Slice of Texas Heaven! This beautiful 5-acre property offers the perfect blend of peace, privacy, and comfort. Nestled on the land is a warm and welcoming 2020 manufactured home featuring 4 spacious bedrooms and 2 full bathrooms - ideal for families, guests, or a work-from-home lifestyle. Inside, you'll find plenty of charm and character, including stylish barn doors, a

    Destini Evans MAG Real Estate LLC

    3429 Farm To Market Road 306, New Braunfels, TX 78132
  • /30

    $549,500 New Construction

    • 2 Beds
    • 2 Baths
    • 1,183 Sq Ft

    540 River Run Unit 214, New Braunfels, TX 78132

    NEW CONSTRUCTION CONDO ON THE GUADALUPE RIVER. Welcome to Rio Guadalupe Condos, where luxury living meets the tranquility of nature. This pristine Guadalupe riverfront view can be yours from the patio right outside your living room sliding doors. Imagine enjoying access to the Guadalupe River at the fourth crossing, offering the most picturesque views of the river and limestone bluffs. This

    Jay Gambrell Epique Realty LLC

    540 River Run Unit 214, New Braunfels, TX 78132
  • /28

    $599,500 New Construction

    • 3 Beds
    • 2 Baths
    • 1,282 Sq Ft

    540 River Run Unit 313, New Braunfels, TX 78132

    NEW CONSTRUCTION CONDO ON THE GUADALUPE RIVER. Welcome to Rio Guadalupe Condos, where luxury living meets the tranquility of nature. This pristine Guadalupe riverfront view can be yours from the patio right outside your living room sliding doors. Imagine enjoying access to the Guadalupe River at the fourth crossing, offering the most picturesque views of the river and limestone bluffs. This 3rd

    Jay Gambrell Epique Realty LLC

    540 River Run Unit 313, New Braunfels, TX 78132
  • /24

    $599,500 New Construction

    • 3 Beds
    • 2 Baths
    • 1,282 Sq Ft

    540 River Run Unit 213, New Braunfels, TX 78132

    NEW CONSTRUCTION CONDO ON THE GUADALUPE RIVER. Welcome to Rio Guadalupe Condos, where luxury living meets the tranquility of nature. This pristine Guadalupe riverfront view can be yours from the patio right outside your living room sliding doors. Imagine enjoying access to the Guadalupe River at the fourth crossing, offering the most picturesque views of the river and limestone bluffs. This 2nd

    Jay Gambrell Epique Realty LLC

    540 River Run Unit 213, New Braunfels, TX 78132
  • /40

    $950,000 New Construction

    • 4 Beds
    • 3.5 Baths
    • 3,834 Sq Ft

    1522 Shady Hollow, New Braunfels, TX 78132

    Welcome to your new dream home in River Chase! This stunning 4-bedroom, 3.5-bath home offers spacious living with clean, modern finishes throughout. The master suite is a true retreat, featuring an expansive layout that provides plenty of space for relaxation. The master bath has a huge vanity with double sinks, a soaker tub and a large walk-in shower. You'll love the dedicated home office,

    Jan Boyle Keller Williams Heritage

    1522 Shady Hollow, New Braunfels, TX 78132
  • /23

    $518,990 New Construction

    • 5 Beds
    • 4.5 Baths
    • 2,644 Sq Ft

    1812 Weinnacht, Canyon Lake, TX 78132

    Welcome to your stunning new home in the master planned community of Meyer Ranch in New Braunfels, Texas! This two-story home boasts a beautiful hill country exterior elevation with a charming front porch, creating a warm and inviting atmosphere. As you enter this spacious home, you'll find a primary bedroom on the main floor, complete with bay windows that fill the room with natural light. The

    Builder Photo

    Scott Felder Homes

    Builder

    1812 Weinnacht, Canyon Lake, TX 78132

Showing Results 521 - 560, Page 14 of 15

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