1,270

New Braunfels, TX Homes for Sale with No HOA Fee

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  • 2993 White Sage, New Braunfels, TX 78130

    $364,220

    New Construction $4K PRICE DROP
    • 4 Beds
    • 3 Baths
    • 2,079 Sq Ft

    2993 White Sage, New Braunfels, TX 78130

    Ready October 2026! The two-story Sandalwood offers a downstairs bed and bath in addition to an upstairs Game Room, two more secondary bedrooms, and a spacious Primary Suite. Includes Granite Countertops and Stainless Steel Appliances!

    Centex Homes Builder
    2993 White Sage, New Braunfels, TX 78130
  • /6

    $285,995

    New Construction
    • 3 Beds
    • 2.5 Baths
    • 2,412 Sq Ft

    Plan 2412 at Legend Heights - Sterling Collection, New Braunfels, TX 78130

    * Oversized walk-in closet at primary bath * Upstairs laundry room * Powder bath * Front porch * Zero-VOC interior paint in Alabaster * Kitchen USB charging port * Spacious great room * Den * Loft * Expansive primary suite * Low-E windows * ENERGY STAR certified home * Swimming pool * Playground * Near top-rated schools * Close to popular restaurants * Picnic area * Outdoor recreation nearby

    KB Home Builder
    1317 Rowling St Unit 40494046, New Braunfels, TX 78130
  • /42

    $325,000

    $20K PRICE DROP
    • 4 Beds
    • 2 Baths
    • 1,972 Sq Ft

    2121 Dragon Trail, New Braunfels, TX 78130

    Incredible SINGLE STORY 4 Br 2 Ba home with luxurious high ceilings in a one of a kind neighborhood featuring : NO HOA, rock finished RV/BOAT PARKING next to driveway, a furnished screened in porch with large ceiling fan overlooking a fully landscaped backyard, mature fruit/nut trees, above ground pool, ample sized storage shed and bbq gazebo. This well maintained home offers lower property taxes

    Jared English Congress Realty, Inc

    2121 Dragon Trail, New Braunfels, TX 78130
  • /6

    $185,500

    • 3 Beds
    • 2 Baths
    • 1,211 Sq Ft

    1696 W Mill St, New Braunfels, TX 78130

    Great opportunity! This 1 story home features 3 bedrooms, 2 full bathrooms. Great location that is close to Downtown, Retail Centers, Entertainment venues, Employment centers, and Major Thoroughfares. Don't miss out on this beautiful property.

    Robert Wells StarCrest Realty

    1696 W Mill St, New Braunfels, TX 78130
  • /40

    $850,000

    $99K PRICE DROP
    • Land
    • 31,798 Sq Ft
    • $1,164,384 per Acre

    8560 River Rd, New Braunfels, TX 78132

    This stunning 0.75-acre riverfront property on the Guadalupe River is your perfect escape, full-time residence, or lucrative investment. Enjoy crystal-clear, deep water access from custom terraced stonework, perfect for tubing, kayaking, fishing, and swimming right from your backyard. A new steel frame front gate and asphalt driveway welcome you into this entertainer's paradise. With two RV spots

    Mario Barrett Central Metro Realty

    8560 River Rd, New Braunfels, TX 78132
  • /13

    $130,000

    $29K PRICE DROP
    • Land
    • 1.01 Acres
    • $128,713 per Acre

    3470 Summit Dr, New Braunfels, TX 78132

    Own your personal hilltop lot in the heart of the Hill Country! This amazing 1.010 acre lot offers tons of potential for building your dream home or hill country getaway. Centrally located near the Summit Vacation Resort, the Guadalupe River and Canyon Lake. No HOA fees & No city taxes. This lot offers amazing private views of the tranquil hill country and beyond. Tons of outdoor recreation in

    James Watson Compass RE Texas, LLC

    3470 Summit Dr, New Braunfels, TX 78132
  • /10

    $266,490

    New Construction
    • 3 Beds
    • 2 Baths
    • 1,512 Sq Ft

    Taft Plan at Meadows at Clear Springs - Trails, New Braunfels, TX 78130

    Discover the Taft floor plan in New Braunfels—your affordable new home designed for comfort and style. Enjoy an owner's suite with a spa-like bath, plus two extra bedrooms perfect for family or guests. Entertain in the gourmet kitchen and dining area, or relax in the cozy family room. Imagine the lifestyle these spaces offer—why wait to start living your dream? Explore this new home design today.

    Centex Homes Builder
    1693 Viola Ln Unit 38433935, New Braunfels, TX 78130
  • /9

    $674,900

    New Construction $3K PRICE DROP
    • 4 Beds
    • 3.5 Baths
    • 2,999 Sq Ft

    5760 Emmett St, New Braunfels, TX 78130

    Home office with French doors set at two-story entry. Open kitchen hosts an inviting island with built-in seating space and a 5-burner gas cooktop. Two-story dining area opens to two-story family room with a wood mantel fireplace and a wall of windows. First-floor primary suite with wall of windows. Dual vanities, a freestanding tub, a separate glass-enclosed shower, and two walk-in closets in

    Perry Homes Builder
    5760 Emmett St, New Braunfels, TX 78130
  • /4

    $742,900

    New Construction
    • 4 Beds
    • 3.5 Baths
    • 3,190 Sq Ft

    529 Cascadence Dr, New Braunfels, TX 78132

    A home office with French doors set at two-story entry. Open formal dining room just off the kitchen area. Two-story family room with 19-foot ceilings features a wood mantel fireplace and a wall of windows extended with a sliding glass door that opens to the extended covered backyard patio. Kitchen features a 5-burner gas cooktop, an island with seating space, a walk-in pantry and opens to the

    Perry Homes Builder
    529 Cascadence Dr, New Braunfels, TX 78132
  • /45

    $435,000

    $10K PRICE DROP
    • 3 Beds
    • 2 Baths
    • 1,750 Sq Ft

    169 Cora St, New Braunfels, TX 78130

    Room to live, work, play & entertain! This inviting ranch-style home sits on almost half an acre and offers the space and flexibility you've been looking for. Featuring 3 bedrooms and 2 full baths, the home welcomes you with an island kitchen showcasing custom wood cabinetry, granite countertops, stainless steel appliances, and a custom island perfect for extra prep space or casual dining.

    Stephanie Rodgers RE/MAX Corridor

    169 Cora St, New Braunfels, TX 78130
  • /8

    $85,000

    • Land
    • 24,262 Sq Ft
    • $152,603 per Acre

    01 Stacy Ln, New Braunfels, TX 78130

    Great development opportunity in New Braunfels! This approximately 0.56-acre residential lot on Stacy Lane offers an excellent opportunity to explore a variety of residential development possibilities. The property's size and location provide flexibility for a future duplex or other residential project, subject to applicable zoning, development regulations, utilities, and required approvals.

    D. Lee Edwards D Lee Edwards Realty, Inc

    01 Stacy Ln, New Braunfels, TX 78130
  • /22

    $361,990

    New Construction
    • 5 Beds
    • 2.5 Baths
    • 2,215 Sq Ft

    The Graham Plan at Spring Valley, New Braunfels, TX 78130

    The Graham is one of our two-story floorplans available at Spring Valley in New Braunfels, Texas. This gorgeous new home has 5 bedrooms, 2.5 bathrooms, a gameroom and a 2-car garage across 2,215 square feet of modern living space. Our homes in Spring Valley feature front masonry exteriors and the Graham is available in 2 exterior options.As you enter the home from the front porch, you'll

    D.R. Horton Builder
    1013 Fisher Way Unit 40973326, New Braunfels, TX 78130
  • /22

    $949,900

    • Land
    • 1.04 Acres
    • $913,365 per Acre

    1242 Ervendberg Ave, New Braunfels, TX 78130

    84 feet of Guadalupe River frontage, 1.041 acres of waterfront land, and a location less than one mile from Historic Gruene create a rare opportunity in one of the Texas Hill Country's most desirable destinations. Multiple parcels are available, offering buyers the chance to secure riverfront property in a location where opportunities continue to become increasingly limited. This property

    Frank Baker Keller Williams Heritage

    1242 Ervendberg Ave, New Braunfels, TX 78130
  • /34

    $299,900

    New Construction $30K PRICE DROP
    • 3 Beds
    • 2 Baths
    • 1,680 Sq Ft

    2621 Pahmeyer Rd, New Braunfels, TX 78130

    NEW CONSTRUCTION HOME 2026 ON 0 .21 OF- ACRE. This beautifully designed 3-bedroom, 2-bath home offers approximately 1,680 square feet of thoughtfully planned living space, combining comfort, functionality, and modern elegance. The spacious primary suite features an oversized walk-in closet and a stunning en-suite bath with upscale finishes and a double vanity. The expansive living room showcases

    Armandina Guajardo United Realty Group of Texas, LLC

    2621 Pahmeyer Rd, New Braunfels, TX 78130
  • /2

    $524,900

    New Construction $1K PRICE DROP
    • 4 Beds
    • 3.5 Baths
    • 2,379 Sq Ft

    446 Alexander Ave, New Braunfels, TX 78130

    Welcoming entry leads past a half bath to the main living areas. Spacious family room opens to an inviting kitchen with a 5-burner gas cooktop, a generous island with seating space, and a corner walk-in pantry. The open dining area overlooks the backyard and provides access to the covered patio. A rear home office with French doors also overlooks the backyard. A second-level primary bedroom

    Perry Homes Builder
    446 Alexander Ave, New Braunfels, TX 78130
  • /29

    $410,000

    $50K PRICE DROP
    • 3 Beds
    • 2 Baths
    • 928 Sq Ft

    311 E Torrey St, New Braunfels, TX 78130

    Nestled in the heart of New Braunfels, 311 E Torrey Street is a charming blend of historic character, modern comfort, and the relaxed Hill Country lifestyle that makes downtown living so special. This beautifully updated 3-bedroom, 2-bath home invites you to slow down, settle in, and enjoy everything that makes New Braunfels one of Texas' most beloved communities. From the moment you arrive, the

    Amy Rensvold Key Realty

    311 E Torrey St, New Braunfels, TX 78130
  • /43

    $949,900

    $50K PRICE DROP
    • 3 Beds
    • 3 Baths
    • 3,213 Sq Ft

    2188 Bretzke Ln, New Braunfels, TX 78132

    Enjoy space, privacy and the peaceful feel of the Texas Hill Country at this inviting single-story home on approximately 8.14 acres. The property offers three bedrooms, three full bathrooms and a versatile layout with multiple living areas, a private office and a media room. High ceilings, tile flooring, solid wood doors and custom cabinetry add warmth and character throughout the home. Porches

    Jolene Lane-Huereca Phyllis Browning Company

    2188 Bretzke Ln, New Braunfels, TX 78132
  • /42

    $975,000

    • Land
    • 43,398 Sq Ft
    • $978,621 per Acre

    0 Ervendberg Ave Unit 552275, New Braunfels, TX 78130

    Come see this beautiful 1 acre lot on the Guadalupe river, close to Gruene, which includes an upper area for home building, and a large recreational area below on the Guadalupe River. As you enter the property, you are guided by large oak trees into the entrance. Also available for sale are lots numbers 72038 and 72039. The riverfront section of the property includes 117 feet of water front area

    Cynthia Ross-Goodwin JB Goodwin, REALTORS

    0 Ervendberg Ave Unit 552275, New Braunfels, TX 78130
  • /13

    $379,000

    New Construction $11K PRICE DROP
    • 3 Beds
    • 2 Baths
    • 1,675 Sq Ft

    249 Alpine Lakes, New Braunfels, TX 78130

    Homes in this community showcase smart, single-story designs like the Carlisle floorplan, offering approximately 1,675 square feet, optional 3–4 bedrooms, 2 bathrooms, and 2-car garages, perfect for families, professionals, and those looking to right-size without sacrificing comfort. Inside, a spacious family room flows seamlessly into a well-appointed kitchen and casual dining area, creating

    Chesmar Builder
    249 Alpine Lakes, New Braunfels, TX 78130
  • /3

    $1,398,900

    New Construction
    • 5 Beds
    • 8 Baths
    • 6,321 Sq Ft

    6321A Plan at The Preserve At Elm Creek 1 Acre, New Braunfels, TX 78132

    Featured on a 1 acre homesite. Representative Images. Features and specifications may vary by community.

    Perry Homes Builder
    240 Berrywood Ln Unit 39887237, New Braunfels, TX 78132
  • /18

    $674,900

    New Construction $120K PRICE DROP
    • 4 Beds
    • 3.5 Baths
    • 2,995 Sq Ft

    620 Bodark St, New Braunfels, TX 78132

    A welcoming entryway greets you with a 12-foot tray ceiling. A secluded home office with French doors is located off the front door. The secondary bedrooms line the main hallway. The kitchen invites you into the heart of the home and features an island with built-in seating, a 5-burner gas cooktop, and corner walk-in pantry. The dining area connects the space to the open family room which boasts

    Perry Homes Builder
    620 Bodark St, New Braunfels, TX 78132
  • /33

    $275,000

    • 3 Beds
    • 2 Baths
    • 1,340 Sq Ft

    104 T Bar m Dr, New Braunfels, TX 78132

    Spacious 3-bedroom, 2-bath condo located in the desirable T Bar M community in New Braunfels. This well-maintained unit features an open living and dining area with high ceilings, abundant natural light, tile flooring, and a stone fireplace. The kitchen offers updated cabinetry, solid workspace, and functional flow for everyday living or entertaining. The primary bedroom is located on the main

    D. Lee Edwards D Lee Edwards Realty, Inc

    104 T Bar m Dr, New Braunfels, TX 78132
  • /23

    $712,900

    New Construction
    • 4 Beds
    • 3.5 Baths
    • 3,395 Sq Ft

    3395W Plan at Mayfair - 60', New Braunfels, TX 78130

    Two-story entry opens to a home office with French doors, leading past the dining room, rotunda, and curved staircase to the main living areas. The two-story family room features a wall of windows. An inviting kitchen offers a generous island with built-in seating space and a corner walk-in pantry. The corner morning area embraced by windows offers access to the covered backyard patio. A secluded

    Perry Homes Builder
    314 Cleveland Way Unit 38251699, New Braunfels, TX 78130
  • /35

    $699,601

    New Construction
    • 4 Beds
    • 3.5 Baths
    • 3,002 Sq Ft

    5731 Ryder Rd, New Braunfels, TX 78130

    Beautifully designed home with a very popular floor plan that has a great front elevation. One story, 4 Beds,3.1Baths and with a 3 Car Garage. This one has a built in Hutch, a beautiful Fireplace in the family room and the Primary has the extension allowing for a cozy and dreamy sitting area. The Outdoor Living area also has a nice extension with a powder Room close by. Very nice home!

    Highland Homes Builder
    5731 Ryder Rd, New Braunfels, TX 78130
  • /27

    $310,000

    $35K PRICE DROP
    • 3 Beds
    • 2 Baths
    • 1,774 Sq Ft

    1529 Allison Dr, New Braunfels, TX 78130

    1/0 RATE BUYDOWN + LENDER WAIVED FEE! Enjoy the benefits of new-construction-style financing incentives without settling for a cookie-cutter home! Welcome to 1529 Allison Drive, nestled in a beautiful, tree-lined, well-established New Braunfels neighborhood where mature trees, larger lots, and pride of ownership give this home the character you simply don't find in many newer communities. This

    CHANNON LAMB BHHS Don Johnson Realtors - SA

    1529 Allison Dr, New Braunfels, TX 78130
  • 112 Lake Como Pt St Unit 36456604, New Braunfels, TX 78130

    $517,900

    New Construction
    • 3 Beds
    • 2.5 Baths
    • 2,473 Sq Ft

    NICHOL Plan at Legacy at Lake Dunlap, New Braunfels, TX 78130

    Enjoy luxury living with the Nichol floor plan! The Nichol is an open living triangle with a spacious family room, kitchen, and dining room. The kitchen boasts a deep walk-in pantry and abundant countertop space, while the dining room and family room overlook a large back covered patio. The Nichol features a flex room, customizable to your family?s lifestyle ? whether that?s a home office, media

    Drees Homes Builder
    112 Lake Como Pt St Unit 36456604, New Braunfels, TX 78130
  • /32

    $337,990

    New Construction
    • 2 Beds
    • 2 Baths
    • 1,351 Sq Ft

    Contour Plan at Veramendi - Scenic, New Braunfels, TX 78132

    Discover the Contour floor plan, tailored for active adults seeking a new home design that feels spacious and welcoming. Enjoy natural light from the foyer to the covered patio, plus an open floor plan offering a versatile flex room for your office or hobby. Guests will feel at ease in the spacious secondary bedroom, making this design perfect for your lifestyle and hosting needs.

    Del Webb Builder
    2080 Stephanie Ave Unit 36499028, New Braunfels, TX 78132
  • /19

    $489,000

    $31K PRICE DROP
    • Land
    • 7.35 Acres
    • $66,540 per Acre

    8205 Wegner Rd, New Braunfels, TX 78132

    Nestled in highly sought-after Royal Forrest, a community outside of city limits, that offers large lots with privacy. This sprawling 7.349-acre property offers few to no restrictions, combining the tranquility of country living with easy access to vibrant city centers. Located just 20 minutes from New Braunfels, and just over an hour to both San Antonio and Austin, this property boasts an

    Easton Smith Keller Williams Heritage

    8205 Wegner Rd, New Braunfels, TX 78132
  • /24

    $497,900

    $27K PRICE DROP
    • 4 Beds
    • 3 Baths
    • 1,917 Sq Ft

    783 N Academy Ave, New Braunfels, TX 78130

    Beautifully upgraded 4-bedroom, 3-bath home with a dedicated office, ideally located within walking distance to downtown. Thoughtfully designed with numerous upgrades and improvements throughout, this home combines modern comfort with stylish functionality. Inside, soaring ceilings and an open-concept layout create a bright and welcoming atmosphere, enhanced by large windows and warm wood

    Lorna Gentz BHHS Don Johnson REALTORS - NB

    783 N Academy Ave, New Braunfels, TX 78130
  • /50

    $1,500,000

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

    1380 Ponderosa Dr, New Braunfels, TX 78132

    Guadalupe River retreat with waterfront access and vacation rental potential! Set on 0.66 acres with 140 feet of river frontage, this furnished home offers an inviting blend of sprawling space and comfort. Multiple decks and patio spaces extend the living area outdoors, while the large, shaded backyard overlooking the river creates an ideal setting for outdoor gatherings. Recent updates include a

    Sherrie James James Realty Solutions LLC

    1380 Ponderosa Dr, New Braunfels, TX 78132
  • /10

    $299,000

    • 3 Beds
    • 2 Baths
    • 1,276 Sq Ft

    741 Perryman St, New Braunfels, TX 78130

    Beautifully renovated 3-bedroom, 2-bathroom home in the heart of New Braunfels, TX, situated on a spacious 0.29-acre lot. This stunning home features custom cabinetry, gorgeous quartz countertops, a sleek subway tile backsplash, stainless steel appliances, and a gas cooktop. Thoughtful upgrades continue throughout with custom tile work, stylish accent walls, bespoke window trim, luxury vinyl

    Monica Mendez Real Broker, LLC

    741 Perryman St, New Braunfels, TX 78130
  • /50

    $749,900

    $20K PRICE DROP
    • 3 Beds
    • 3 Baths
    • 2,514 Sq Ft

    842 Timber Dr, New Braunfels, TX 78130

    Perfectly located on The Hill in one of New Braunfels' most desirable neighborhoods, this completely updated charmer blends timeless character with an elegant modern vibe. Surrounded by mature trees and a beautiful established setting, the home features 3 bedrooms and 3 full baths with practically every surface thoughtfully remodeled. The open floor plan showcases updated lighting, flooring,

    Mark Goodner Keller Williams Heritage

    842 Timber Dr, New Braunfels, TX 78130
  • /30

    $699,000

    • 1,720 Sq Ft

    123 S Academy Ave, New Braunfels, TX 78130

    Own a piece of New Braunfels history in the heart of downtown! Built in the 1850s, this charming duplex features two identical 1/1 units, both currently operating as STRs. Completely rehabbed in 2021 by local contractor Ben Davis, every part of this historic property was thoughtfully touched while preserving its original character with wood walls and ceilings.Each unit features quartz

    Sarah McDaniel Greenbelt Realty

    123 S Academy Ave, New Braunfels, TX 78130
  • /3

    $1,447,990

    New Construction
    • 4 Beds
    • 4.5 Baths
    • 4,028 Sq Ft

    Plan Live Oak at Veramendi - 1/2 Acre + Lots, New Braunfels, TX 78132

    The Live Oak is a 4,028 sq. ft. single-story floor plan from our more luxurious series, thoughtfully designed with grand-scale living, refined details, and exceptional flexibility. A welcoming covered porch opens to a distinctive courtyard-inspired layout, where the home unfolds around a central foyer, private loggia, expansive outdoor living area, and beautifully connected interior

    Highland Homes Builder
    0 Sendero View Unit 41226105, New Braunfels, TX 78132
  • /32

    $475,000

    New Construction $19K PRICE DROP
    • 4 Beds
    • 2.5 Baths
    • 2,651 Sq Ft

    228 Bodensee Place, New Braunfels, TX 78130

    The Portofino floorplan by Chesmar Homes is a spacious and highly flexible two-story new construction home offering approximately 2,651 square feet, optional 4?5 bedrooms, optional 2.5?4 bathrooms, and a 2-car garage. Designed for modern living and entertaining, this versatile layout provides open gathering spaces, private retreats, and customizable options to suit a wide range of lifestyles. The

    Chesmar Builder
    228 Bodensee Place, New Braunfels, TX 78130
  • /19

    $464,900

    New Construction $75K PRICE DROP
    • 5 Beds
    • 4 Baths
    • 2,585 Sq Ft

    829 Woodland Lakes, New Braunfels, TX 78130

    Entryway opens into a curved staircase that is embraced by a grand ceiling. A secondary bedroom is right off the main hallway and has access to a full private bathroom and walk-in closet. As you enter the kitchen you are greeted by the island that features built-in seating, a 5-burner gas cooktop, and a walk-in pantry. The dining area connects to the family room which boasts a wall of windows and

    Perry Homes Builder
    829 Woodland Lakes, New Braunfels, TX 78130
  • /69

    $929,000

    New Construction
    • 4 Beds
    • 4.5 Baths
    • 3,200 Sq Ft

    310 Cleveland Way, New Braunfels, TX 78130

    The moment you’ve been waiting for! Stunning Highland Model Home in Mayfair – The highly sought after, plan 216.This elegant one-story floor plan boasts 3 en-suite bedrooms allowing you to choose the perfect mother-in-law suite, spacious craft/laundry room combo with tons of storage space, butler’s pantry/bar area, home office with gorgeous wallpaper, cozy entertainment room, keeping room

    Highland Homes Builder
    310 Cleveland Way, New Braunfels, TX 78130
  • /2

    $443,990

    New Construction
    • 4 Beds
    • 3.5 Baths
    • 2,493 Sq Ft

    131 Banner Ct, New Braunfels, TX 78130

    Discover elevated living in the Pennbrook Plan, a thoughtfully designed two-story home offering 2493 square feet of spacious, modern comfort. With four bedrooms and three and a half bathrooms, this home blends timeless style with smart functionality for todays lifestyle. The home also features $29,445 in carefully selected design options, adding both style and value.The primary suite is

    Scott Felder Homes Builder
    131 Banner Ct, New Braunfels, TX 78130
  • /30

    $329,500

    Open Sun 4PM - 6PM $10K PRICE DROP
    • 3 Beds
    • 2 Baths
    • 1,472 Sq Ft

    2267 Garden Sun Place, New Braunfels, TX 78130

    Rare opportunity in New Braunfels! Nestled on a true cul-de-sac and sitting on a spacious 0.26-acre lot, this inviting home features an open floor plan designed for modern living. The generous living spaces flow effortlessly, making entertaining a breeze, while the oversized backyard offers plenty of room to relax, play, or create your dream outdoor retreat. Enjoy the perfect blend of privacy,

    Emily Upshaw Keller Williams Heritage

    2267 Garden Sun Place, New Braunfels, TX 78130
  • /41

    $474,900

    $100K PRICE DROP
    • 3 Beds
    • 2.5 Baths
    • 2,384 Sq Ft

    759 Arroyo Dorado, New Braunfels, TX 78130

    Custom upgraded 3 bedroom, 2.5 bathroom two story home on a rare creek and greenbelt lot in Arroyo Verde, New Braunfels, Texas, with creek and tree views, not rooftops. Built in 2022, this 2,332 square foot home features custom ArcLife Fabrication cabinetry and millwork, built in shelving, and a live edge pecan mantel. The reworked kitchen offers a rebuilt island, Dacor cooktop, Miele dishwasher,

    Michelle Carter Keller Williams Realty

    759 Arroyo Dorado, New Braunfels, TX 78130

Showing Results 441 - 480, Page 12 of 18

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