1,488

Affordable Homes for Sale in Phoenix, AZ under $356,000

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  • /21

    $345,000

    • 3 Beds
    • 2 Baths
    • 1,188 Sq Ft

    4216 N 31st Dr, Phoenix, AZ 85017

    Take a look at this beautiful, move-in ready home! Fully remodeled throughout, featuring a modern kitchen with new cabinets, quartz countertops, and stainless steel appliances. The home offers 3 bedrooms and 2 fully updated bathrooms.Conveniently located in Phoenix, near shopping and schools, with easy access to I-17 and I-10. Situated on a spacious lot with room to add an RV gate.

    Calixto Martin American Freedom Realty

    4216 N 31st Dr, Phoenix, AZ 85017
  • /2

    $10,000

    • 2 Beds
    • 2 Baths

    5201 W Camelback Rd Unit site a029, Phoenix, AZ 85031

    Located in a welcoming 55+ community, this double wide 2 bedroom, 2 bathroom home offers a great opportunity for the right buyer. With a spacious layout and plenty of potential, this fixer-upper is perfect for anyone looking to customize and make it their own. Enjoy peaceful community living while adding your personal touch to create the home you've always wanted.

    Crystal Williamson Longhaven Estates

    5201 W Camelback Rd Unit site a029, Phoenix, AZ 85031
  • /3

    $302,000

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

    8520 W Palm Ln Unit 1105, Phoenix, AZ 85037

    Simply adorable 3bd/2ba within walking distance to Ak-Chin Pavilion, an outdoor amphitheater. Spacious kitchen with bay window and dining area. Refrigerator will convey. Inside laundry room with washer dryer hook up. Tile throughout most of the home except in two bedrooms where laminated flooring is installed. Double sinks in Master bath, tile flooring and all window coverings included. Private

    Jill Aker,PLLC RE/MAX Fine Properties

    8520 W Palm Ln Unit 1105, Phoenix, AZ 85037
  • /28

    $310,000

    • 3 Beds
    • 2 Baths
    • 1,837 Sq Ft

    6813 N 29th Ave, Phoenix, AZ 85017

    Looking for a 3bed 2ba 1837 SqFt patio home with ceramic tile kitchen floors, newer countertops. Wood like 7X22 ceramic tiles and 18x18 tiles throughout the home. Backyard features a 12x24 paver slab, three sheds, one free standing the other two are built in. This home is in the Las Casitas community that features a community pool, clubhouse, and safe streets. All common areas are professionally

    Timothy Bernard HomeSmart

    6813 N 29th Ave, Phoenix, AZ 85017
  • /21

    $329,900

    • 3 Beds
    • 2 Baths
    • 1,220 Sq Ft

    750 E Northern Ave Unit 1052, Phoenix, AZ 85020

    Freshly painted throughout and featuring brand new luxury vinyl plank flooring, this ground floor end unit offers an open layout perfect for relaxing or entertaining. The gated complex is conveniently located ''in between the 7s'' where you'll enjoy being minutes from major freeways, shopping, dining, and all that vibrant Central Phoenix has to offer. The unit itself provides easy access to the

    Dory Edwards Realty ONE Group

    750 E Northern Ave Unit 1052, Phoenix, AZ 85020
  • /14

    $350,940 New Construction

    • 2 Beds
    • 2 Baths
    • 1,041 Sq Ft

    9667 W Piccadilly Rd, Phoenix, AZ 85037

    This new single-story home boasts a modern and low-maintenance layout. The kitchen shares an open-concept layout with an inviting dining area and comfortable Great Room, while two backgrounds provide peaceful retreats at the back of the home, including a lavish owner’s suite with an en-suite bathroom and walk-in closet.

    Lennar Builder
    9667 W Piccadilly Rd, Phoenix, AZ 85037
  • /25

    $215,000

    • 2 Beds
    • 1.5 Baths
    • 924 Sq Ft

    8841 N 12th Place Unit 38, Phoenix, AZ 85020

    Corner-unit 2-story condo in a quiet, established community! 2Br/1.5Ba, 924sf, with all appliances included. Updates: interior paint (2026), professionally cleaned carpets, newer fridge (1.5 yrs) & dishwasher (3 yrs). Private enclosed patio with dedicated laundry room. Near community pool, BBQ gazebo & mountain views. HOA maintains roof/exterior, water, sewer, garbage collection, front yard &

    Alexis Chavez The Brokery

    8841 N 12th Place Unit 38, Phoenix, AZ 85020
  • /16

    $194,800

    • 2 Beds
    • 1 Bath
    • 816 Sq Ft

    4215 N 17th St Unit 3, Phoenix, AZ 85016

    Great location on Affordable 2 Bedroom 1 bath condo/townhouse with private back yard. This unit is equipped with its own personal laundry as well as community laundry. Fully equipped kitchen with all good working appliances. Bathroom has updated and remodeled. Additional features include 2 car covered parking and community pool. Location, location, Location, close to 51 freeway, Airport, Downtown

    Shelly Berry RE/MAX Fine Properties

    4215 N 17th St Unit 3, Phoenix, AZ 85016
  • /21

    $94,999

    • 1 Bed
    • 1 Bath
    • 750 Sq Ft

    2608 W Berridge Ln Unit C-220, Phoenix, AZ 85017

    WOW! The first 6 months HOA/Co-Op fees are free. Also, seller will carry with as little as $15k down. Stylish and move-in ready 1 bed, 1 bath upstairs unit with an enclosed balcony in the Capri community -- just 2 miles from GCU, 12 minutes to Downtown Phoenix, and easy I-17 access. Enjoy new plush carpet, modern tile, new windows, ceiling fans, and updated lighting. The kitchen features granite

    Michael Morris DeLex Realty

    2608 W Berridge Ln Unit C-220, Phoenix, AZ 85017
  • /27

    $257,000

    • 3 Beds
    • 2.5 Baths
    • 1,452 Sq Ft

    6606 W Polk St, Phoenix, AZ 85043

    INVESTOR OPPORTUNITY - SHORT SALEThis 3-bed, 2.5-bath Phoenix home in the Northglen community is a solid investment for savvy buyers looking to add value. With nearly 1,500 sq ft of living space, tile roof, dual-pane windows, and low HOA fees, this property offers incredible upside potential. Great bones, functional layout, and a prime location just minutes from I-10, downtown Phoenix, and

    Mark Michaud HomeSmart

    6606 W Polk St, Phoenix, AZ 85043
  • /17

    $289,900

    • 3 Beds
    • 2 Baths
    • 1,318 Sq Ft

    16216 N 35th Way, Phoenix, AZ 85032

    Are you looking for a home inside a 55+ community? If so, this fully remodeled 3 bedroom, 2 bathroom home is designed just for you! With a bran new roof, countertops, vinyl floors, and a stunning walk-in shower, your home will feel like you're on vacation everyday. It also includes all your appliances-fridge, stove, dishwasher, washer, and dryer-making it easy for you to move in without lifting a

    Sharbel Ishak Compass

    16216 N 35th Way, Phoenix, AZ 85032
  • /12

    $230,000

    • Land
    • 23,086 Sq Ft
    • $433,962 per Acre

    756 W Broadway Rd Unit 3, Phoenix, AZ 85041

    Prime Development Opportunity - Two Adjacent Lots | Endless Potential Rare opportunity to acquire two separate parcels totaling approximately 1 acre when combined! Each lot is offered at $250,000, presenting investors and developers the flexibility to purchase individually or together for expanded possibilities. Currently zoned R-5 (Multi-Family Residential), this property already offers strong

    Anastasia Plesco ARRT of Real Estate

    756 W Broadway Rd Unit 3, Phoenix, AZ 85041
  • /27

    $115,000

    • 2 Beds
    • 1.5 Baths
    • 1,100 Sq Ft

    5365 N Black Canyon Hwy, Phoenix, AZ 85015

    Spacious and thoughtfully updated townhouse co-op offering a unique and flexible layout. Originally a 3-bedroom, this home has been converted into a generous 2-bedroom, creating an open and airy living space ideal for both relaxing and entertaining. Enjoy modern updates throughout, including newer appliances, updated flooring, fresh paint, and a kitchen featuring Corian countertops. The home also

    Diane Fernandez RE/MAX Desert Showcase

    5365 N Black Canyon Hwy, Phoenix, AZ 85015
  • /32

    $304,999

    • 2 Beds
    • 2 Baths
    • 1,118 Sq Ft

    1701 E Colter St Unit 337, Phoenix, AZ 85016

    Welcome to resort living in prestigious Biltmore Square. This home offers an open and functional layout, perfect for both everyday living and entertaining. The living area flows seamlessly into the kitchen and dining space, creating a modern feel, along with two large bedrooms with walk in closets. Enjoy the cozy fireplace at night or your morning coffee on the balcony listening to the oversized

    Emilio Palacio A.Z. & Associates

    1701 E Colter St Unit 337, Phoenix, AZ 85016
  • /35

    $289,000

    • 2 Beds
    • 2.5 Baths
    • 1,304 Sq Ft

    8414 W Vernon Ave Unit 163, Phoenix, AZ 85037

    Welcome to a beautifully maintained 2 bed, 2.5 bath home located in secure gated community, just minutes from the I-10. Layout offers a wonderful blend of comfort & convenience, features generous sized kitchen, opens to a large family room. Perfect for everyday living & entertaining. Downstairs is fully tiled for easy maintenance while upstairs bedrooms feature well kept carpet & fresh paint

    Amy Goble Delex Realty

    8414 W Vernon Ave Unit 163, Phoenix, AZ 85037
  • /27

    $347,500

    • 4 Beds
    • 2 Baths
    • 1,366 Sq Ft

    8844 N 40th Ave, Phoenix, AZ 85051

    Charming, move in ready four-bedroom, two-bathroom home in the Newcastle Homes community!This residence features an open floor plan that creates a seamless flow throughout the living spaces. The updated kitchen is a standout feature, beautifully appointed with granite countertops and ample storage space.Designed for both comfort and convenience, the home includes a fully fenced-in

    Robert Salmons Entera Realty LLC

    8844 N 40th Ave, Phoenix, AZ 85051
  • /62

    $37,900

    • 2 Beds
    • 1 Bath
    • 840 Sq Ft

    2233 E Behrend Dr Unit 61, Phoenix, AZ 85024

    SELLER MAY CARRY...Cozy yet spacious! Single-wide offers 2 bedrooms and 1 bath, perfect for downsizing without sacrificing comfort. Features include vaulted ceilings, a large kitchen with granite countertops, a breakfast bar, and a separate pantry. All appliances are included. Fresh interior paint brightens the space, with tile flooring in main areas and new carpet in the bedrooms. Enjoy a custom

    Sam Pollina Fathom Realty Elite

    2233 E Behrend Dr Unit 61, Phoenix, AZ 85024
  • /27

    $65,000

    • 2 Beds
    • 2 Baths
    • 1,056 Sq Ft

    16622 N 1st Dr, Phoenix, AZ 85023

    This home is situated on a quiet cul-de-sac lot within the highly desirable Central Park Village 55+ community. Offering over 1,000 square feet of living space, this two-bedroom, two-bathroom floor plan is move-in ready with brand-new carpeting throughout. A major highlight is the brand-new AC unit, ensuring efficiency and peace of mind during the Arizona summers. The exterior features a spacious

    Andrea Crouch eXp Realty

    16622 N 1st Dr, Phoenix, AZ 85023
  • /27

    $350,000

    • 3 Beds
    • 2 Baths
    • 1,708 Sq Ft

    4848 W Highland Ave, Phoenix, AZ 85031

    Buy Now, Play Now! Built by John F Long, this is the perfect Phoenix getaway home or full-time residence. Step inside and you will feel right at home. Entertain your friends & family with the diving pool and a big backyard with real grass. Three bedrooms, two bathrooms, a den and even an Arizona room, full of old-style 50s charm. Now there is a home as individual as you are. Without a doubt, it

    Karen Batson Realty ONE Group

    4848 W Highland Ave, Phoenix, AZ 85031
  • /33

    $274,000

    • 2 Beds
    • 2 Baths
    • 1,042 Sq Ft

    5401 E Van Buren St Unit 3112, Phoenix, AZ 85008

    Largest and most affordable 2BD/2BA floor plan in the resort-style Red Rox community. Move-in ready 3rd floor condo with great room concept features engineered wood floors, fireplace, newer washer/dryer, and a 4 year old HVAC system with Nest thermostat. Both bedrooms include walk-in closets, plus an east-facing covered balcony with extra storage. Community amenities at your doorstep: two pools,

    Jessica Fairbanks Realty ONE Group

    5401 E Van Buren St Unit 3112, Phoenix, AZ 85008
  • /22

    $347,200

    • 2 Beds
    • 2.5 Baths
    • 1,088 Sq Ft

    5704 E Aire Libre Ave Unit 1227, Scottsdale, AZ 85254

    Beautifully maintained cul-de-sac home in Discovery at Tatum Place II featuring a functional floor plan with 2 bedrooms and 2 baths upstairs with vaulted ceilings, plus a half bath downstairs. The lower level offers a comfortable living room with fireplace, dining area, and low-maintenance tile flooring. The eat-in kitchen opens to a private fenced patio, perfect for relaxing or entertaining.

    Joe Kertesz West USA Realty

    5704 E Aire Libre Ave Unit 1227, Scottsdale, AZ 85254
  • /44

    $305,000

    • 3 Beds
    • 2.5 Baths
    • 1,358 Sq Ft

    1702 E Bell Rd Unit 177, Phoenix, AZ 85022

    Rare opportunity to own a quiet, freshly updated 3-bedroom, 2.5-bath townhome in a desirable gated community. This turnkey gem features brand-new flooring and fresh paint throughout, including plush new carpet on the second level. The functional floor plan offers a direct-access 2-car garage that leads straight into the kitchen for ultimate convenience. Enjoy high-quality upgrades like a

    Keith Schreiber Jason Mitchell Real Estate

    1702 E Bell Rd Unit 177, Phoenix, AZ 85022
  • /13

    $225,000

    • Land
    • 1.23 Acres
    • $182,927 per Acre

    101 E Briles Rd, Phoenix, AZ 85085

    1.23-Acres of prime land surrounded by majestic mountains! Discover a rare opportunity to own a 1.23-acre land lot nestled in a breathtaking mountain landscape. This prime property offers unparalleled views and is located in one of the most sought-after areas. Come build your dream custom home on this land that offers the perfect balance of natural beauty and convenience. Close to local

    Tracy van Ravensway Real Broker

    101 E Briles Rd, Phoenix, AZ 85085
  • /20

    $229,800

    • Land
    • 8,712 Sq Ft
    • $1,149,000 per Acre

    10253 N Central Ave Unit 79, Phoenix, AZ 85020

    Exceptional new construction opportunity on an 8712 sqft hillside lot located within the highly desirable, gated Mount Central Place community. This offering includes a newly issued building permit for a spectacular custom modern home with a infinity private pool accented by an artistically designed monument wall, allowing construction to begin immediately bypassing the typical 12-18-month

    Chau Tran My Home Group Real Estate

    10253 N Central Ave Unit 79, Phoenix, AZ 85020
  • /16

    $198,000

    • 1 Bed
    • 1 Bath
    • 850 Sq Ft

    12222 N Paradise Village Pkwy S Unit 430, Phoenix, AZ 85032

    Price reflects option for buyer to have a blank cavas to personalize and update unit to their taste. Building is equiped with elevator to 4th floor with nobody above you for great views. 1/2 Block to Costco, Whole Foods, Trader Joes, & Target. Easy access to 51 Freeway & 10 miles north of Sky Harbor Airport. Perfect for Full-time living or lock & leave lifesyle in an Oasis Setting

    Charlotte Brown HomeSmart

    12222 N Paradise Village Pkwy S Unit 430, Phoenix, AZ 85032
  • /14

    $90,000

    • 3 Beds
    • 2 Baths
    • 1,568 Sq Ft

    13606 N 21st Place Unit 19, Phoenix, AZ 85022

    Located in Cactus Gardens Mobile Home Park! This Move-In Ready Manufactured Home features 3 spacious Bedrooms and 2 Bathrooms, spanning approximately 28' X 56' (1,568 sq.ft.). Enjoy the benefits of a private Front Porch and a Covered Carport, along with stylish new Luxury Vinyl Plank Flooring, fresh interior paint, and modern fans throughout. The bright and open floor plan provides ample space

    Jack Cardinal Cooper Cardinal and Company

    13606 N 21st Place Unit 19, Phoenix, AZ 85022
  • /31

    $280,000

    • 1 Bed
    • 1 Bath
    • 850 Sq Ft

    4303 E Cactus Rd Unit 326, Phoenix, AZ 85032

    This exceptional one bedroom condo captures some of the most stunning golf course and mountain views in the Phoenix valley. Perfectly positioned within the highly sought after gated Anasazi Village, this residence offers a true resort lifestyle with five sparkling pools, spas, lush gardens, clubhouse, and fitness center all surrounded by acres of beautifully maintained desert grounds. With a

    Mason Weiss Barrett Real Estate

    4303 E Cactus Rd Unit 326, Phoenix, AZ 85032
  • /27

    $335,000

    • 2 Beds
    • 2 Baths
    • 1,059 Sq Ft

    4925 E Desert Cove Ave Unit 136, Scottsdale, AZ 85254

    Check out this lovely 2 bed, 2 bath condo now on the market! Lower level right next to pool and green belt. Discover spacious living area w/stylish wood-look flooring and crisp palette throughout. The eat-in kitchen comes equipped w/ample cabinetry, granite counters, track lighting, all the stainless steel appliances you'll need for home cooking, and a peninsula w/a breakfast bar for casual

    Jonas Funston Realty ONE Group

    4925 E Desert Cove Ave Unit 136, Scottsdale, AZ 85254
  • /46

    $320,000

    • 1 Bed
    • 1 Bath
    • 858 Sq Ft

    114 W Adams St Unit 503, Phoenix, AZ 85003

    Located on the 5th floor of the historic Orpheum Lofts, this one-bedroom, one-bath residence enjoys a desirable setting with impressive views of the downtown city lights. The generously sized layout features soaring 10'8'' ceilings, wood flooring, exposed ductwork, and distinctive red brick walls, all contributing to an open, loft-style design. The building itself is solidly constructed of

    Karen Batson Realty ONE Group

    114 W Adams St Unit 503, Phoenix, AZ 85003
  • /14

    $200,000

    • 2 Beds
    • 2 Baths
    • 1,440 Sq Ft

    16246 N 33rd St, Phoenix, AZ 85032

    Phillip Shaver HomeSmart

    16246 N 33rd St, Phoenix, AZ 85032
  • /20

    $135,000

    • 1 Bed
    • 1 Bath
    • 689 Sq Ft

    1701 W Tuckey Ln Unit 208, Phoenix, AZ 85015

    Conveniently located in the gated community of Le Fuente this 1bd/1ba unit features white cabinets with butcher block countertops, custom open shelving, gas stove, and a breakfast bar opening into the living room. Breakfast nook/dining room opens into the living room, Unit offers lots of natural lighting and laminate flooring. The bedroom features a walk in closet as well as a separate linen

    Cindy Marquardt Realty Executives Arizona Territory

    1701 W Tuckey Ln Unit 208, Phoenix, AZ 85015
  • /20

    $182,500

    • 2 Beds
    • 2 Baths
    • 840 Sq Ft

    17 E Ruth Ave Unit 303, Phoenix, AZ 85020

    Discover this stunning & updated 2-bedroom, 2-bathroom unit in the desirable El Tovar community. Enjoy breathtaking mountain views from your top-floor(no neighbors above!) unit, accessible by elevator. Inside, you'll find newer flooring & paint, updated bathrooms & kitchen, plus a new washer & dryer & new Arcadia energy efficient sliding glass door, designed to keep the heat out. El Tovar is a

    Dalton Davis Done Deal

    17 E Ruth Ave Unit 303, Phoenix, AZ 85020
  • /26

    $295,000

    • 1 Bed
    • 1 Bath
    • 796 Sq Ft

    5450 E Deer Valley Dr Unit 1201, Phoenix, AZ 85054

    Perfect Lock and leave or full time resort living in Toscana at Desert Ridge. Spacious 1 bedroom/1 bath condo on the ground floor. Reserved secured parking in the building. Move in ready and fully furnished. 24 hour guard gated, 2 heated pools and spas, locker rooms with steam rooms, state of the art fitness center, full time concierge. Walking to over 100 shops and restaurants.

    Kelli Parker Realty ONE Group

    5450 E Deer Valley Dr Unit 1201, Phoenix, AZ 85054
  • /11

    $305,000

    • 4 Beds
    • 2 Baths
    • 1,296 Sq Ft

    1232 S 10th Ave, Phoenix, AZ 85007

    This block home includes 4bedrooms 2bath, newer AC, roof replaced in 2024; property needs some TLC. Large workshop in the backyard, great potential to be converted into guest quarters. Buyer must assume Solar Panel Lease. Sold ''As Is''

    Sandra (Dina) Carrillo RealtyFelix.Com LLC

    1232 S 10th Ave, Phoenix, AZ 85007
  • /29

    $65,000

    • 2 Beds
    • 2 Baths
    • 990 Sq Ft

    12814 N 19th Place Unit 19, Phoenix, AZ 85022

    Seize the chance to own this 2-bedroom mobile home in Paradise View MH Park! Discover an appealing open layout with high ceilings, recessed lighting, a soothing palette, blinds, and attractive wood-look flooring. The kitchen comes with crisp white cabinetry and sleek built-in appliances for a seamless cooking experience. The main bedroom has a built-in closet with mirrored doors that enhance the

    Lilia Velez Century 21 Northwest

    12814 N 19th Place Unit 19, Phoenix, AZ 85022
  • /19

    $169,900

    • 2 Beds
    • 2 Baths
    • 946 Sq Ft

    15402 N 28th St Unit 128, Phoenix, AZ 85032

    Cozy up to a beautiful fireplace in this bright, inviting condo. The open living area flows to French doors leading to a charming courtyard. Enjoy spacious bedrooms, a private patio, and a light, airy feel throughout. The kitchen offers ample cabinets, a built-in microwave, stackable washer/dryer hookups, and neutral tile flooring. Conveniently located near the 101 and 51, this first-floor unit

    Andy C. Griffin Gentry Real Estate

    15402 N 28th St Unit 128, Phoenix, AZ 85032
  • /21

    $249,000

    • 2 Beds
    • 1.5 Baths
    • 1,075 Sq Ft

    8502 N Central Ave Unit 5, Phoenix, AZ 85020

    The unit features new luxury carpet, fresh paint, and natural lighting. Highlights include elegant French doors, a generous family room with a dining area, and a stylish kitchen with crisp, white cabinetry and all appliances included. For convenience, a powder room is downstairs.Outdoor Space & AmenitiesEnjoy relaxing on the front patio or in the fenced backyard area. The 27-unit complex

    Debbie Silacci Arizona Property Brokerage

    8502 N Central Ave Unit 5, Phoenix, AZ 85020
  • /20

    $280,000

    • 2 Beds
    • 2 Baths
    • 847 Sq Ft

    5302 E Van Buren St Unit 2001, Phoenix, AZ 85008

    Seize the chance to own this charming apartment unit in Belaflora Condominiums! Discover an inviting living room with a soothing palette, blinds, and stylish wood-look flooring. Cook delicious meals in the well-appointed kitchen, equipped with granite counters, wood cabinetry, recessed lighting, stainless steel appliances, a pantry, and a peninsula with a breakfast bar for casual meals. The main

    Jill Stadum My Home Group Real Estate

    5302 E Van Buren St Unit 2001, Phoenix, AZ 85008
  • /36

    $9,900

    • 2 Beds
    • 1 Bath
    • 720 Sq Ft

    2050 W Dunlap Ave Unit C070, Phoenix, AZ 85021

    This charming home in the Desertscape community of Phoenix, AZ offers 2 bedrooms and 1 bathroom. Built in 1968 by Hart, this well-maintained home includes a spacious living room, cozy dining room, and a comfortable master bedroom. The kitchen is equipped with an oven, fridge, and hot water heater for convenient living. The exterior boasts a carport, shed, patio, and trees on the property,

    Ozlen Green Desertscape

    2050 W Dunlap Ave Unit C070, Phoenix, AZ 85021
  • /27

    $335,000

    • 4 Beds
    • 2 Baths
    • 1,250 Sq Ft

    4247 W Culver St, Phoenix, AZ 85009

    Welcome to this charming 4-bedroom, 2-bath single-family home offering 1,250 sq ft of comfortable living space. This one-story gem blends classic 1950s character with modern touches and sits on a quiet street with easy access to I-10 and 43rd Ave—ideal for commuters. Currently rented at $2,400/month on a month-to-month lease, it provides immediate cash flow and flexibility, making it a great

    Jamil Alshmailawi West USA Realty

    4247 W Culver St, Phoenix, AZ 85009

Showing Results 241 - 280, Page 7 of 18

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