841

Homes for Sale near Hearn Academy

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  • /28

    $542,500

    • 3 Beds
    • 2 Baths
    • 1,802 Sq Ft

    1102 E Grandview Rd, Phoenix, AZ 85022

    Beautifully remodeled 3 bedroom 2 bath home available in a highly sought after subdivision. Complete remodel with new windows, interior doors and sliding doors, interior and exterior paint, flooring, kitchen with upgraded gray and white cabinets and all new appliances. Gorgeous remodeled bathrooms. Very little has been left untouched and details matter! Private community park is extremely quiet.

    Aryn Burgwald Realty ONE Group

    1102 E Grandview Rd, Phoenix, AZ 85022
  • /45

    $560,000

    • 3 Beds
    • 2 Baths
    • 1,840 Sq Ft

    1119 E Renee Dr, Phoenix, AZ 85024

    Centrally located in North Phoenix. This nicely updated 3Br 2BA home has all the amenities you need. Fenced Pool. Grassy backyard for kids and pets. A large, covered patio for TV and BBQ. New Central A/C unit with a additional New Mini-Split A/C in the Primary bedroom. Sliding doors from the primary BR lead to the pool. Up-dated Kitchen with Maple Cabinets and Stainless Appliances. Formal dining

    William Marsh HomeSmart

    1119 E Renee Dr, Phoenix, AZ 85024
  • /29

    $357,000

    • 3 Beds
    • 2.5 Baths
    • 1,479 Sq Ft

    2150 W Alameda Rd Unit 1398, Phoenix, AZ 85085

    This clean and well-kept home offers 3 spacious bedrooms, 2.5 bathrooms, and a large 2-car garage in the desirable gated community of Villagio at Happy Valley. The pride of ownership shows throughout, with original owner who has lovingly maintained the property. Enjoy a bright, open floor plan with modern touches, a comfortable living area, and a functional kitchen perfect for everyday living or

    Austin Manahan Realty ONE Group

    2150 W Alameda Rd Unit 1398, Phoenix, AZ 85085
  • /37

    $275,000

    • 2 Beds
    • 2 Baths
    • 1,234 Sq Ft

    2718 W Desert Cove Ave Unit F2718, Phoenix, AZ 85029

    Lakefront living at its finest! Move-in-ready 2 bed, 2 bath townhome in a prime location with stunning water views. Situated on one of the largest lots in the community, this beautifully updated home boasts direct private gate access to the lake, plus recent improvements including new flooring and a backyard gazebo perfect for relaxing outdoors. The bright interior features a split master bedroom

    George Laughton My Home Group Real Estate

    2718 W Desert Cove Ave Unit F2718, Phoenix, AZ 85029
  • /6

    $300,000

    • Land
    • 0.92 Acre
    • $326,087 per Acre

    12642 N 18th St, Phoenix, AZ 85022

    AN OPPORTUNITY TO BUILD THE HOME OF YOUR DREAMS, while creating instant equity! This lot is nestled between the Phoenix Mountain Preserve, Pointe Golf Club & Lookout Mountain. Enjoy mountain views and proximity to golf courses, hiking trails and an easy commute to downtown Phoenix. Recent sales in The Reserve range from $1.24M to $1.85M.

    Darrell LaMoure Century 21 Toma Partners

    12642 N 18th St, Phoenix, AZ 85022
  • /23

    $285,000

    • 2 Beds
    • 2.5 Baths
    • 1,322 Sq Ft

    22125 N 29th Ave Unit 115, Phoenix, AZ 85027

    VA LOAN ASSUMABLE AT 3.25%.Location! Location! Move-in Ready home in the Gated community. Both bedrooms have private full bathrooms and walk-in closets. Washer and dryer located on upper level by bedrooms.Fresh paint throughout, new carpet in all the right places, new wood like laminate in kitchen and baths, attached garage with storage under the steps. Walk to Community pool. Minutes to I-17 and

    Kimberly Healy Franzetti West USA Realty

    22125 N 29th Ave Unit 115, Phoenix, AZ 85027
  • /34

    $599,000

    2018 W Cactus Rd, Phoenix, AZ 85029

    This fully occupied four-plex delivers strong, reliable performance with a current cap rate above 7 percent. It is a rare opportunity to secure a stabilized multifamily asset in a high-demand Phoenix corridor, offering immediate cash flow from day one. Each unit is tenant-occupied with consistent rental history, making this a smart addition to any investment portfolio. Buyers seeking to

    John Galaviz eXp Realty

    2018 W Cactus Rd, Phoenix, AZ 85029
  • /37

    $235,000

    • 1 Bed
    • 1 Bath
    • 702 Sq Ft

    1720 E Thunderbird Rd Unit 2125, Phoenix, AZ 85022

    Don't miss out! Chic and cozy living awaits in this charming 1-bedroom apartment! Enjoy wood-look floors, plantation shutters, and a warm living room that flows right onto your balcony. The kitchen shines with granite counters, stainless steel appliances, a breakfast bar, white cabinetry, and a handy pantry. Retreat to the bedroom featuring a walk-in closet and a stylish private bath with shower

    Maria Castro West USA Realty

    1720 E Thunderbird Rd Unit 2125, Phoenix, AZ 85022
  • /22

    $375,000

    • 3 Beds
    • 1 Bath
    • 1,130 Sq Ft

    17614 N 16th Ave, Phoenix, AZ 85023

    This inviting 3-bedroom, 1-bath home is move-in ready and features classic Saltillo tile floors throughout, adding warmth and character. Perfect as a starter home or investment opportunity, it offers a functional layout with room to make it your own. Step outside to enjoy the big backyard, complete with a covered porch—ideal for relaxing or entertaining. The property also includes a storage shed

    Haley Uecker West USA Realty

    17614 N 16th Ave, Phoenix, AZ 85023
  • /31

    $439,900

    • 3 Beds
    • 2 Baths
    • 1,701 Sq Ft

    4911 W Beverly Ln, Glendale, AZ 85306

    4.625% ASSUMABLE VA LOAN!!!! Buyer to Qualify with Lender! Step inside this Beautifully updated 3 bedroom, 2 bath home where style meets comfort. Gorgeous 36' wood-look tile flows throughout, creating a warm and inviting feel. The open kitchen with its large island connects seamlessly to a spacious family room, by a cozy brick fireplace perfect for gatherings. The big backyard offers plenty of

    Christina Tegarden CLA Realty, LLC

    4911 W Beverly Ln, Glendale, AZ 85306
  • /28

    $395,000

    • 3 Beds
    • 2 Baths
    • 1,284 Sq Ft

    18046 N 20th Ave, Phoenix, AZ 85023

    Remodeled cul-de-sac gem with pool—no HOA and prime North Valley location! Discover this timelessly updated 3-bedroom, 2-bath home offering 1,284 sq. ft. of comfortable living on a large cul-de-sac lot. Featuring wood-look tile flooring in the hallway, kitchen, family room, and baths, the home provides both style and durability. Enjoy two separate living areas—an inviting front living room and a

    George Laughton My Home Group Real Estate

    18046 N 20th Ave, Phoenix, AZ 85023
  • /24

    $540,000

    • 5 Beds
    • 3 Baths
    • 2,076 Sq Ft

    2846 W Villa Rita Dr, Phoenix, AZ 85053

    Huge 5 Bedroom 3 Bathroom home with fenced pool on 11,940sqft Cul-De-Sac-type lot. RV Gate with Concrete slab RV Parking and NO HOA! Open Floor plan with expansive Great Room with cozy brick fireplace. But check out the stunning, updated kitchen with Stainless Steel & Quartz/Granite Counters, lots of gorgeous lighted cabinet space. Big master bedroom with en-suite bathroom and private exit to

    Richard Noeltner Service Star Realty

    2846 W Villa Rita Dr, Phoenix, AZ 85053
  • /21

    $115,000

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

    15601 N 19th Ave Unit 66, Phoenix, AZ 85023

    This beautifully maintained double-wide home offers an open-concept layout with a large living room perfect for entertaining. The kitchen is generously sized and features upgraded flooring throughout the home, and the well-appointed laundry room adds convenience. Outside, enjoy a private storage shed and plenty of space for outdoor gatherings. Located in a serene community with great amenities,

    Julio Hernandez American Freedom Realty

    15601 N 19th Ave Unit 66, Phoenix, AZ 85023
  • /18

    $179,900

    • 2 Beds
    • 2 Baths
    • 927 Sq Ft

    14203 N 19th Ave Unit 1055, Phoenix, AZ 85023

    Don't miss this updated 2 bed, 2 bath ground-floor condo in a gated community! This home features a wood-burning fireplace, travertine tile, and laminate wood floors—no carpet. The kitchen features granite countertops and a breakfast bar, while both bathrooms include modern tile vanities. The primary suite includes a walk-in closet, French doors to a covered patio, and west-facing windows. Guest

    Aaron Gough Olson Gough

    14203 N 19th Ave Unit 1055, Phoenix, AZ 85023
  • /45

    $85,000

    • 2 Beds
    • 2 Baths
    • 1,104 Sq Ft

    18026 N Cave Creek Rd Unit 140, Phoenix, AZ 85032

    This beautiful 2 bedroom and a den double-wide open concept home in a 55+ gated community is sure to delight you. It has been well taken care of and has two amazing patio areas and two storage sheds for extra additional room. It has a large covered parking area and patio area which one of is fenced in for your small animal if you have one. Community amenities are a pool area, cabanas, rec center

    Tonya Depeo Gibbs West USA Realty

    18026 N Cave Creek Rd Unit 140, Phoenix, AZ 85032
  • /29

    $329,000

    • 3 Beds
    • 1 Bath
    • 1,040 Sq Ft

    10012 N 16th Dr, Phoenix, AZ 85021

    Move-in ready, charming 3-bedroom block home. Completely updated and refreshed. Brand new wood/look flooring, Brand new soft- close kitchen cabinets and countertops and matching appliances with plenty of counter space. New double sink cabinet with gorgeous quartz countertop. Newer A.C. unit in addition to a brand new evaporative cooler to save you money on those energy bills! A spacious backyard

    Janice Mundall Fathom Realty Elite

    10012 N 16th Dr, Phoenix, AZ 85021
  • /32

    $888,000

    • 4 Beds
    • 3.5 Baths
    • 3,357 Sq Ft

    11607 N 12th Terrace, Phoenix, AZ 85020

    Honey, stop the car! Miles of hiking trails out your back door. Discover an extraordinary lifestyle at this 4-bed, 3.5-bath home in the gated Legend at Pointe Tapatio Cliffs. Perfect for hikers, golfers, and nature lovers, the community offers direct access to the Phoenix Mountain Preserve, with panoramic mountain views and sparkling city lights. Step back into Tuscany in this private villa-style

    Craig Binder Jason Mitchell Real Estate

    11607 N 12th Terrace, Phoenix, AZ 85020
  • /3

    $180,000

    • Land
    • 0.19 Acre
    • $947,368 per Acre

    2961 N 29th Ave Unit 2, Phoenix, AZ 85027

    Zoned for multi family, can also build a single family home or put a trailer or manufactured home on it. Sewer runs down Foothill and sides the parcel closest to Foothill and runs down Adobe and goes to the parcel closest to Adobe. Septic systems are believed to be located on all the parcels but sewer can be brought down 29th Dr. City water to the lot.

    Tabor Swallows-Vinck Swallows & Associates Realty

    2961 N 29th Ave Unit 2, Phoenix, AZ 85027
  • /36

    $239,900

    • 2 Beds
    • 2 Baths
    • 886 Sq Ft

    1720 E Thunderbird Rd Unit 2094, Phoenix, AZ 85022

    Don't miss out on this great opportunity! Priced to sell this charming and spacious bd 2 ba unit is move in ready with new carpet and fresh paint throughout. Vaulted ceiling and double closets in primary bedroom. New AC Unit installed in 2023. You will have lots of quiet and privacy in this back corner unit with mountain views. Complex offers two gated swimming pools, jacuzzi, work out room and

    Jennifer Zito Realty ONE Group

    1720 E Thunderbird Rd Unit 2094, Phoenix, AZ 85022
  • /21

    $15,950

    • 1 Bed
    • 1 Bath
    • 720 Sq Ft

    16225 N Cave Creek Rd Unit 46, Phoenix, AZ 85032

    This 720 square foot manufactured home in Villa Carmel offers a cozy living space with 1 bedroom and 1 bathroom. Built in 1966, the home exudes charm with a spacious dining room and family room perfect for entertaining guests or relaxing after a long day. The exterior features a convenient carport for parking and protecting vehicles from the elements.Located in Phoenix, AZ, the Villa Carmel

    Bruce Lindberg Villa Carmel

    16225 N Cave Creek Rd Unit 46, Phoenix, AZ 85032
  • /33

    $300,000

    • 3 Beds
    • 2 Baths
    • 1,194 Sq Ft

    2539 W Pershing Ave, Phoenix, AZ 85029

    Check out this lovely 3 bed, 2 bath townhome now for sale in Valle Venado! Discover a spacious living area w/vaulted ceilings, soft carpet in all the right places, and neutral palette throughout. The eat-in kitchen is equipped w/ample cabinetry, plenty of counter space, and all the built-in appliances you'll need for home cooking. The primary suite boasts direct outdoor access, a walk-in closet,

    Eric Lambert Versatile Properties

    2539 W Pershing Ave, Phoenix, AZ 85029
  • /21

    $275,000

    • 2 Beds
    • 2 Baths
    • 970 Sq Ft

    13607 N 24th Ln, Phoenix, AZ 85029

    Location, Location, Location. Close to I 17 and 101, ASU West, Hiking, Trails. Single story 2 bed, 2 bath ensuites. Recent updates include flooring, paint, HVAC (2022). Community Pools, Tennis. HOA under $300/month.View of Mountains from the back covered patio.

    Joan Lebigot West USA Realty

    13607 N 24th Ln, Phoenix, AZ 85029
  • /34

    $1,150,000

    338 E Vogel Ave, Phoenix, AZ 85020

    North Phoenix/Sunnyslope 6 unit complex with attractive Seller Financing. Near Sunnyslope School, east of Central Ave, and not far from North Mountain, OHSO Brewery, & Sushi Friend. Over $216K in upgrades since 2022. 100% occupied. 7 CAP with $10,104 gross rents/month. Hard to beat seller financing offered with 25% down at 5.5% i/o. Jumbo 13,500 sf lot with R-3 zoning. Private driveway with large

    James Stephens Better Homes & Gardens Real Estate SJ Fowler

    338 E Vogel Ave, Phoenix, AZ 85020
  • /26

    $475,000 Pre-Foreclosure

    • 3 Beds
    • 2 Baths
    • 1,560 Sq Ft

    20805 N 42nd Ave, Glendale, AZ 85308

    Click the Virtual Tour link to view the 3D walkthrough. Discounted rate options and no lender fee future refinancing may be available for qualified buyers of this home. Amazing layout and great features on this home. Rooms are all a good size and the location is amazing! The backyard with a pool to entertain and relax. This home will not last, move quick.

    Gabriel Santellano Orchard Brokerage

    20805 N 42nd Ave, Glendale, AZ 85308
  • /31

    $199,990

    • 2 Beds
    • 2 Baths
    • 999 Sq Ft

    12207 N 21st Ave Unit 4, Phoenix, AZ 85029

    Welcome to this fantastic 2-bedroom end-unit townhome in Hacienda Del Vista! Its charm starts with a 1-car garage with tile flooring, ensuring secure parking and added storage space. The inviting interior showcases tons of natural light, a neutral palette, and wood-look tile flooring t/out. You'll love the seamlessly flowing living & dining room! The spotless kitchen boasts SS elec range, quartz

    Ovidiu Popa My Home Group Real Estate

    12207 N 21st Ave Unit 4, Phoenix, AZ 85029
  • /32

    $275,000

    • 2 Beds
    • 2.5 Baths
    • 1,322 Sq Ft

    22125 N 29th Ave Unit 135, Phoenix, AZ 85027

    Built new in 2020, beautiful and updated move In ready townhome (across from the pool) in this GATED North Phoenix Community. This tri-level home features an open floorplan, new vinyl plank flooring, granite countertops, shaker style cabinets, stainless steel appliances, washer & dryer included, 2 car garage, private balcony and next to the community pool. Close to several shopping centers near

    James Pomfret Libertas Real Estate

    22125 N 29th Ave Unit 135, Phoenix, AZ 85027
  • /45

    $699,999

    • 3 Beds
    • 2.5 Baths
    • 2,764 Sq Ft

    16332 N 2nd Dr, Phoenix, AZ 85023

    Gorgeous two-story home in the gated Lookout Mountain awaits you! Offering 3 beds, 2.5 baths, & a 2-car garage. Great curb appeal with stone accent details, manicured landscape, & a paver driveway. The inviting interior showcases tons of natural light, tall ceilings, neutral palette, and tile & carpet t/out. The large living room is paired with surround sound! This space seamlessly flows into the

    Chimene Mullins E-Homes

    16332 N 2nd Dr, Phoenix, AZ 85023
  • /31

    $419,000

    • 3 Beds
    • 2 Baths
    • 1,721 Sq Ft

    16412 N 33rd Ave, Phoenix, AZ 85053

    Discover the potential of this spacious residence featuring 3 bedrooms and 2 beautifully upgraded bathrooms. Situated in the Deer Valley neighborhood, this property offers a comfortable living space in a convenient location. The generous square footage provides ample room for customization to suit your lifestyle. Enjoy cozy evenings in the inviting living room, complete with a charming fireplace

    George Lay West USA Realty

    16412 N 33rd Ave, Phoenix, AZ 85053
  • /21

    $179,900

    • 1 Bed
    • 1 Bath
    • 757 Sq Ft

    17017 N 12th St Unit 1126, Phoenix, AZ 85022

    Welcome to this charming, move-in ready home! This light and bright unit features 1 bedroom, 1 bathroom and inside laundry. The kitchen includes a large breakfast bar area, and all appliances convey including washer and dryer. This lower level condo also offers easy accessibility with no stairs to climb making it ideal for all ages and stays cooler in warm climates which could lead to potential

    Jessie Saavedra HomeSmart

    17017 N 12th St Unit 1126, Phoenix, AZ 85022
  • /29

    $325,000

    • 3 Beds
    • 2 Baths
    • 1,095 Sq Ft

    2317 W Hartford Ave, Phoenix, AZ 85023

    Charming Home with No HOA!This adorable home offers comfort and convenience. Enjoy a spacious backyard perfect for entertaining, pets, or future projects — all with no HOA restrictions! The laundry room boasts ample storage, making daily chores a breeze.You'll love the granite countertops and stainless steel sink in the kitchen, while the new A/C, energy-efficient windows, and new water

    Melissa Taylor Realty ONE Group

    2317 W Hartford Ave, Phoenix, AZ 85023
  • /59

    $1,349,000

    • 4 Beds
    • 2.5 Baths
    • 3,370 Sq Ft

    22116 N 31st St, Phoenix, AZ 85024

    Modern Desert Luxury Meets Effortless Family Living in highly desirable Sky Crossing! Expanded 3,370 sf Patagonia model blends elegance and comfort with 3 BRs, office, and bonus room that can convert to 4th BR. Gated courtyard with custom iron gate opens to a sophisticated interior with plank tile floors, tray ceilings, and a chef's kitchen featuring a waterfall granite island, counter tops,

    Brian Lynch West USA Realty

    22116 N 31st St, Phoenix, AZ 85024
  • /43

    $615,000

    • 4 Beds
    • 3 Baths
    • 3,601 Sq Ft

    3145 W Sandra Terrace, Phoenix, AZ 85053

    Welcome to your next home, offering an ideal blend of comfort, functionality, and room to grow. This beautifully maintained 4-bedroom, 3-bath residence features an expansive 3,601 sq ft layout designed for both everyday living and memorable gatherings.Inside, you'll find three inviting living spaces including a warm, fireplace centered family room and a grand great room perfect for entertaining.

    Lisa Dixon HomeSmart

    3145 W Sandra Terrace, Phoenix, AZ 85053
  • /17

    $604,900

    • 3 Beds
    • 2 Baths
    • 1,808 Sq Ft

    116 E Helena Dr, Phoenix, AZ 85022

    Experience elevated living in this beautifully reimagined 3 bed, 2 bath North Phoenix home. Thoughtfully redesigned with raised ceilings and opened walls, the bright layout flows into a stunning chef's kitchen with a waterfall island, quartz counters, soft-close cabinetry, LED lighting, and upgraded appliances. The home showcases all-new flooring, paint, baseboards, doors, fixtures, new AC, new

    Ryan Michael Prime House LLC

    116 E Helena Dr, Phoenix, AZ 85022
  • /13

    $169,900

    • 2 Beds
    • 1 Bath
    • 726 Sq Ft

    12440 N 20th St Unit 102, Phoenix, AZ 85022

    This is a very nice 1st floor unit just a few steps from the pool and cabana. Nice, well kept complex .

    Jim Happ Desert West Realty LLC

    12440 N 20th St Unit 102, Phoenix, AZ 85022
  • /26

    $198,000

    • 2 Beds
    • 1 Bath
    • 784 Sq Ft

    3601 W Tierra Buena Ln Unit 168, Phoenix, AZ 85053

    This ground-level apartment is looking for a new owner! Spacious floor plan boasting tile/carpet flooring in the right areas, two sizable bedrooms, and neutral paint throughout for easy care. Create delicious meals in the eat-in kitchen featuring a breakfast bar, stainless steel appliances, gorgeous cabinets, and ample counters. You will love the bedroom with direct access to the covered patio.

    Eva Skyles West USA Realty

    3601 W Tierra Buena Ln Unit 168, Phoenix, AZ 85053
  • /10

    $67,500

    • 2 Beds
    • 1 Bath
    • 751 Sq Ft

    19225 N Cave Creek Rd Unit 83, Phoenix, AZ 85024

    Nice 2 bedroom unit that has been remodeled. An over 55+ community offers a beautiful heated community pool and nice clubhouse which offers activities for the community. Newer paved streets. Nice community. This unit has a beautiful quartz countertop with gas stove. Beautiful full backsplash. Gooseneck faucet with SS deep single bowl sink. LVP flooring. Central heat and A/C. New shower recently

    Lenny Moon My Home Group Real Estate

    19225 N Cave Creek Rd Unit 83, Phoenix, AZ 85024
  • /4

    $395,000

    • 3 Beds
    • 2 Baths
    • 1,630 Sq Ft

    16629 N 30th Ave, Phoenix, AZ 85053

    Welcome to this rare single-story end-unit townhome offering 3 bedrooms and 2 bathrooms in a secure gated community. Ideally located close to the community pool and within minutes of local shopping. This home combines convenience with comfort. Inside, you'll find a spacious floor plan with great potential. The owner has already completed a major improvement by removing the sunken living room,

    Lydia Wietsma NextHome Power Realty

    16629 N 30th Ave, Phoenix, AZ 85053
  • /52

    $59,900

    • 2 Beds
    • 2 Baths
    • 980 Sq Ft

    2233 E Behrend Dr Unit 152, Phoenix, AZ 85024

    Turn-key and well maintained, this home shows true pride of ownership. Enjoy a peaceful retreat on the large deck shaded by mature trees. Split 2-bedroom floor plan with an eat-in kitchen open to the family room. Primary bedroom features a spacious walk-in closet; secondary bedroom currently used as a TV room. Updates include roof in 2020 with transferable 25-year warranty, HVAC July 2019 with

    Sam Pollina Fathom Realty Elite

    2233 E Behrend Dr Unit 152, Phoenix, AZ 85024
  • /45

    $340,000

    • 2 Beds
    • 1.5 Baths
    • 1,498 Sq Ft

    11444 N 28th Dr Unit 4, Phoenix, AZ 85029

    BRING OFFERS/FULLY FURNISHED! Perfect AirB&B, short term rentals are allowed. Rare Lakeside Opportunity! Two-story townhome in a desirable gated community with scenic lake access. Bright & airy with vaulted ceilings, a loft, and an updated kitchen with granite counters and a new dishwasher (2022). The luxurious primary bathroom features a soaking tub and separate shower. New A/C in 2022. Relax on

    Barbie Best HomeSmart

    11444 N 28th Dr Unit 4, Phoenix, AZ 85029
  • /28

    $527,000

    • 3 Beds
    • 2 Baths
    • 1,760 Sq Ft

    3478 E Sharon Dr, Phoenix, AZ 85032

    Refreshed home in Phoenix w/ NO HOA! 3 bed / 2 bath. White cabinets in kitchen, accented with stainless steel appliances. Countertops with matching backsplash. New wide-plank flooring throughout the home, w/ fresh interior & exterior paint. Extra bonus room for office or storage, or workroom, and huge converted patio with laundry for gym, or bonus room, etc. each with their own HVAC.Oversized

    Daniel Demers Sell Your Home Services

    3478 E Sharon Dr, Phoenix, AZ 85032

Showing Results 241 - 280, Page 7 of 18

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