2,643

Phoenix, AZ Homes for Sale with No HOA Fee

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  • /24

    $344,900

    • 4 Beds
    • 2 Baths
    • 1,120 Sq Ft

    1732 E Atlanta Ave, Phoenix, AZ 85040

    NEWLY UPDATED SOUTH PHOENIX BLOCK CONTRUCTED HOME, LARGE BACK YARD WITH BLOCK FENCE AND RV GATE. DESERT FRONT YARD. HOME HAS NEW STUCCO EXTERIOR, DUAL PANE WINDOWS, NEW INTERIOR & EXTERIOR DOORS, RETEXTURED DRYWALL, CROWN MOLDING, BASEBOARDS, KITCHEN CABINETS, VANITIES, GRANITE COUNTERS, BACKSPLASH, TILE SHOWER SURROUNDS, LAMINATE FLOORING THROUGHOUT, LIGHT FIXTURES, CEILING FANS, WINDOW BLINDS

    John Purdon Arizona 1st Land & Home RE Co

    1732 E Atlanta Ave, Phoenix, AZ 85040
  • /47

    $369,999

    $40K PRICE DROP
    • 4 Beds
    • 2 Baths
    • 1,516 Sq Ft

    1301 W Sunland Ave, Phoenix, AZ 85041

    Beautiful remodeled home. This home has a new roof, new AC units, new plumbing and electrical, updated flooring and bathrooms. This home has it all and is move in ready for somone looking for a new home with a nice size lot ready for you to put in your own oasis. **Professional photos coming soon**

    Ramon Nunez Valley Views RE

    1301 W Sunland Ave, Phoenix, AZ 85041
  • /66

    $1,250,000

    $139K PRICE DROP
    • 3 Beds
    • 3.5 Baths
    • 2,590 Sq Ft

    34315 N 5th Ave, Phoenix, AZ 85085

    Year built, 2025/20262600Ft livable, 3 bedrooms, 3 1⁄2 Baths. Split floor plan,Open floor plan with great views.NO HOA, Cul-de-sac lot, Solar system in place, Private well/storagetank, Landscape front and back yards, over 6000 sq. ft. of pavers,Detached RV garage (2000 sq. ft.) full hookups,

    Larry Leonard Colonial Realty, LLC

    34315 N 5th Ave, Phoenix, AZ 85085
  • /44

    $1,150,000

    $50K PRICE DROP
    • 3 Beds
    • 2.5 Baths
    • 2,100 Sq Ft

    6050 E Betty Elyse Ln, Scottsdale, AZ 85254

    Welcome to this beautifully remodeled, turn-key ranch-style home in the heart of Scottsdale's highly coveted ''Magic Zip Code'' (85254). Boasting an open single-story floor plan with soaring vaulted ceilings, this 3-bedroom, 2.5-bathroom residence has been completely reimagined with high-end designer finishes. The gourmet chef's kitchen features stunning Quartzite countertops, custom cabinetry, a

    Will Jennings Fielding Success Realty, LLC

    6050 E Betty Elyse Ln, Scottsdale, AZ 85254
  • /24

    $415,000

    • 4 Beds
    • 2 Baths
    • 1,477 Sq Ft

    2022 W Aster Dr, Phoenix, AZ 85029

    Beautifully updated home in Prime North Phoenix Area! This home features a remodeled kitchen with solid wood cabinets and granite countertops. It features a spacious enclosed Arizona room to be used as an office, game room, or a second living area. Both bathrooms showcase beautifully tiled showers and baths, complementing the home's modern updates. New flooring flows throughout the entire space,

    Joel Joa My Home Group Real Estate

    2022 W Aster Dr, Phoenix, AZ 85029
  • /2

    $900,000

    • 3 Beds
    • 2 Baths
    • 1,890 Sq Ft

    4909 E Osborn Rd, Phoenix, AZ 85018

    Exceptional opportunity to renovate a property in Arcadia... basic work been completed... open floor plan... has newer HVAC system, newer plumbing, newer interior electrical, newer interior doors... the house just needs to be finished off to the buyers liking... large lot with a potential 3 car garage... irrigated lot...

    Michael Paletta West USA Realty

    4909 E Osborn Rd, Phoenix, AZ 85018
  • /10

    $345,000

    • 3 Beds
    • 2 Baths
    • 1,167 Sq Ft

    4437 S 8th Place, Phoenix, AZ 85040

    Welcome home to this beautifully updated property minutes from South Mountain featuring tile flooring throughout and a warm, neutral color palette that complements any style. The home has a brand new AC unit and new roof! The spacious laundry room offers added convenience, while the updated bathrooms showcase stunning modern tile finishes. The bright kitchen features white cabinetry, stainless

    Brian Ajanel Realty ONE Group

    4437 S 8th Place, Phoenix, AZ 85040
  • /38

    $390,000

    • 3 Beds
    • 2 Baths
    • 1,464 Sq Ft

    3238 W Altadena Ave, Phoenix, AZ 85029

    Investor special--tenant in place with a newly signed 1-year lease generating immediate cash flow. Open to 1031 exchange. Fully remodeled 3-bed, 2-bath, 1,464 sqft home on a 7,279 sqft lot with NO HOA. Features a cozy family room with wood-burning fireplace, modern kitchen with stainless steel appliances, new cabinetry, quartz countertops, and updated flooring throughout. Bathrooms upgraded with

    Alejandra Llaguno Seeaman Delex Realty

    3238 W Altadena Ave, Phoenix, AZ 85029
  • /23

    $235,000

    $15K PRICE DROP
    • Land
    • 1.16 Acres
    • $202,586 per Acre

    42400 N Central Ave Unit D, Phoenix, AZ 85086

    Beautiful hillside lot with spectacular views of the mountains. Property has a shared well. Part of the lot has been cleared for building. Asphalt road is in the process of being built so don't drive on it. You won't be disappointed. Perc test is in the process of being completed.Surrounded by million dollar homes. Ready to build on. Beautiful lot.2 lot next to this one is also available.

    Karen Robertson HomeSmart

    42400 N Central Ave Unit D, Phoenix, AZ 85086
  • /38

    $464,990

    $35K PRICE DROP
    • 3 Beds
    • 2 Baths
    • 1,203 Sq Ft

    1109 W Indian School Rd, Phoenix, AZ 85013

    Motivated sellers! Charming 3-bedroom, 2-bath home in Phoenix available! Enjoy low-maintenance landscaping and a 1 + car tandem garage for added convenience. Inside, you'll find an open floor plan with neutral tones and a stylish kitchen featuring quartz countertops, tile backsplash, ample cabinetry, and a breakfast bar island. Stainless steel refrigerator, dishwasher, and gas range.The

    Adriana Wendler HomeSmart

    1109 W Indian School Rd, Phoenix, AZ 85013
  • /57

    $118,000

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

    2233 E Behrend Dr Unit 227, Phoenix, AZ 85024

    Seller concessions toward the buyer's closing costs are available. Great opportunity in desirable Boulder Ridge, a gated 55+ resort-style community! This spacious 1,568 sq ft home features 2 bedrooms, a den, upgraded kitchen and baths with granite countertops, stainless steel appliances, new kitchen/laundry flooring, and all appliances including washer and dryer. Additional features include

    Sam Pollina Fathom Realty Elite

    2233 E Behrend Dr Unit 227, Phoenix, AZ 85024
  • /27

    $497,000

    • 3 Beds
    • 2 Baths
    • 1,603 Sq Ft

    2825 N 33rd Place, Phoenix, AZ 85008

    Charming home in Phoenix! A grassy front yard shaded by mature trees & a cozy front porch are perfect for relaxing. The convenient carport space + RV gate/parking allows you to bring all your vehicles. Delightful interior features tile flooring throughout & a soothing color palette. The living room is bright, while a spacious bonus room offers flexibility for a home office, playroom, or guest

    Eva Skyles West USA Realty

    2825 N 33rd Place, Phoenix, AZ 85008
  • /11

    $1,000,000

    $300K PRICE DROP
    • 2,572 Sq Ft

    1423 N 16th St, Phoenix, AZ 85006

    Exceptional investment opportunity in a prime location! This turnkey property features two buildings—one leased to a thriving barber shop, the other a fully equipped, 40-year-successful dental practice with an established patient base also available. Located near downtown, ASU, and UAU Medical School, with exciting new developments nearby. Ideal for discerning buyers seeking luxury, legacy, and

    Shaun Sayegh Innovated Realty LLC

    1423 N 16th St, Phoenix, AZ 85006
  • /30

    $305,000

    • 2 Beds
    • 2 Baths
    • 1,209 Sq Ft

    2150 E Bell Rd Unit 1155, Phoenix, AZ 85022

    Discover this charming 2-bedroom condo with a desirable location close to restaurants, shopping, parks, and the freeway! The thoughtfully designed interior showcases an inviting layout with tile flooring, contemporary lighting, and a soothing palette that makes you want to stay. The kitchen comes equipped with oak cabinetry for ample storage, a two-tiered peninsula, a walk-in pantry for all your

    Dejan Bosnjak HomeSmart

    2150 E Bell Rd Unit 1155, Phoenix, AZ 85022
  • /2

    $275,000

    • Land
    • 1.4 Acres
    • $196,429 per Acre

    39071 7th Ave Unit C, Phoenix, AZ 85086

    1.4 ACRE LOT. Flat land in Desert Hills with NO HOA, ready to build. Shared Well on the property and approved Engineered Grading/Drainage, in the process of being completed. **************Parcel B could also be for sale if all lots D, C and B are purchased all together **************Seller's agent is related to the sellers. **************Buyer or Buyer's agent to verify all material facts and

    Sefora Onye Prestige Realty

    39071 7th Ave Unit C, Phoenix, AZ 85086
  • /33

    $529,900

    • 5 Beds
    • 3 Baths
    • 2,157 Sq Ft

    3523 W Brown St, Phoenix, AZ 85051

    Welcome to this beautifully remodeled brick home offering 5 bedrooms and 3 full baths--perfect for growing families or multi-generational living. This home has been thoughtfully upgraded with brand-new dual-pane windows, modernized bathrooms, fresh interior paint, recessed lighting, and stylish finishes throughout. Enjoy new doors, laminate flooring, and epoxy flooring that flows seamlessly

    Manal Beba The Brokery

    3523 W Brown St, Phoenix, AZ 85051
  • /31

    $325,500

    $7K PRICE INCREASE
    • 2 Beds
    • 1 Bath
    • 934 Sq Ft

    2518 W Missouri Ave, Phoenix, AZ 85017

    New Roof 2026- Charming 1-story home featuring 2 bedrooms and 1 bathroom with a comfortable and functional layout. Enjoy vinyl and carpet flooring throughout, a bright kitchen with white cabinets, stainless steel appliances, and granite countertops. Exterior features include a carport, driveway, front porch, RV gate and parking, plus a fenced backyard with a covered patio and storage shed. A

    Danyelle Mullen Equity Arizona Real Estate

    2518 W Missouri Ave, Phoenix, AZ 85017
  • /62

    $698,000

    • 4 Beds
    • 3.5 Baths
    • 2,121 Sq Ft

    17659 N Paradise Park Dr, Phoenix, AZ 85032

    Currently a success vacation rental with a high AirBnB rating. Corner lot home blending traditional comfort with modern style! this updated residence showcases a bright interior with clean lines, soft paint, recessed lighting, stylish fixtures, and LVP flooring throughout. Multiple sliding glass doors create a seamless connection to the backyard oasis. The immaculate kitchen features abundant

    Natasha Parmar HomeSmart

    17659 N Paradise Park Dr, Phoenix, AZ 85032
  • /36

    $488,000

    $11K PRICE DROP
    • 3 Beds
    • 2 Baths
    • 1,631 Sq Ft

    8001 N 17th Dr, Phoenix, AZ 85021

    Welcome to this beautifully maintained home in the heart of North Phoenix with NO HOA! The blend of comfort, functionality, and convenience. Featuring a spacious open floor plan, this home is ideal for both everyday living and entertaining. The kitchen boasts ample cabinet space, modern appliances, and a seamless flow into the main living areas. Enjoy generously sized bedrooms, a well appointed

    Cory Metallo Howe Realty

    8001 N 17th Dr, Phoenix, AZ 85021
  • /2

    $363,000

    • 2 Beds
    • 1 Bath
    • 1,250 Sq Ft

    2320 W Columbine Dr, Phoenix, AZ 85029

    Don't miss this charming and dynamic home featuring 2 bedrooms, 1 large bath, and a bonus room currently used asa 3rd bedroom, ideal for a home office, gym, or guest space. Enjoy open living areas, a private pool, and 1-cargarage, all complemented by beautiful mountain views. Ideally located near the freeway, park, retail shopping,and restaurants, this home offers comfort,

    Maria Durazo Wise Choice Properties

    2320 W Columbine Dr, Phoenix, AZ 85029
  • /37

    $350,000

    • Land
    • 1.33 Acres
    • $263,158 per Acre

    0 N 17th Ave Unit 7057045, Phoenix, AZ 85021

    Gentle sloping Phoenix low desert land w/ no HOA, all the mountain views, city lights & space to create a residential retreat. Easy lot(s) to build on, perfect for the outdoor enthusiast that needs room to build an RV garage, multigenerational space, room for horses, toys, casitas you name it. This rectangular shaped 5.36 acre parcel is evenly balanced to split off into 4 or 5 plots w/ room for

    Leslee Ridgeway Century 21 Northwest

    0 N 17th Ave Unit 7057045, Phoenix, AZ 85021
  • /44

    $630,000

    • 4 Beds
    • 2.5 Baths
    • 1,915 Sq Ft

    3642 E Renee Dr, Phoenix, AZ 85050

    Welcome to this spacious two-story home featuring 4 bedrooms, 2.5 baths & an air-conditioned garage & flex room--ideal for an office, or workspace. Nestled on a quiet CUL-DE-SAC. This gardener's dream features plumeria (frangipani), crape myrtle, Meyer lemon & lime trees, thoughtfully designed & nurtured by a landscape architect. Over $30,000 in plants.Relax in the large & private covered patio

    deborah gordon HomeSmart

    3642 E Renee Dr, Phoenix, AZ 85050
  • /15

    $410,000

    $10K PRICE DROP
    • 3 Beds
    • 2 Baths
    • 1,421 Sq Ft

    12409 N Columbine Dr, Phoenix, AZ 85029

    Welcome to this beautifully remodeled single-family home located in a desirable family-friendly neighborhood. This move-in-ready property features a newly updated kitchen, remodeled bathrooms, new flooring throughout, a brand-new covered back patio, and zoned air conditioning for added comfort and efficiency. Perfect for a family or first-time homebuyer, this home offers modern updates,

    Andy Pitts GNS Realty- AZ, LLC

    12409 N Columbine Dr, Phoenix, AZ 85029
  • /16

    $1,200,000

    $100K PRICE INCREASE
    • Land
    • 1.35 Acres
    • $888,889 per Acre

    14220 N Cave Creek Rd, Phoenix, AZ 85022

    North Phoenix development on a rarely offered C-2 Zoned lot with frontage on Cave Creek Road. One of the last few vacant lots on Cave Creek Road can be yours. High traffic area along Cave Creek Road with numerous businesses and supporting residential including multi-family and luxury homes. One of the most desirable Zoning Types, C-2 allows for tremendous flexibility and options for a wide

    David Rogers Diligence Realty

    14220 N Cave Creek Rd, Phoenix, AZ 85022
  • /19

    $478,995

    New Construction $18K PRICE DROP
    • 3 Beds
    • 3 Baths
    • 1,840 Sq Ft

    8050 W Granada Rd, Phoenix, AZ 85035

    This charming Larimar home evolves with your lifestyle! Included features: an inviting covered entry; two secondary bedrooms, including one with a private bath; a shared full bath with dual sinks; a quiet study with extra storage; a central laundry; a well-appointed kitchen offering a large island, stainless-steel appliances, and a roomy walk-in pantry; an open dining area; a spacious great room

    Richmond American Builder
    8050 W Granada Rd, Phoenix, AZ 85035
  • /28

    $719,000

    $101K PRICE DROP

    1425 E Roosevelt St, Phoenix, AZ 85006

    Four-unit income property with in-place rents of $61,287 annually and low operating expenses. Unit mix includes (1) studio, (1) 1BD/1BA, and (2) 2BD/1BA units, all comprehensively updated with new flooring, cabinetry, countertops, walk-in showers, and stainless appliances. The studio was fully rebuilt, creating a turnkey asset with no deferred maintenance. All units are individually metered for

    Andrew Arambula ABI Multifamily

    1425 E Roosevelt St, Phoenix, AZ 85006
  • /30

    $399,999

    $19K PRICE DROP
    • 3 Beds
    • 2 Baths
    • 1,533 Sq Ft

    4104 W Butler Dr, Phoenix, AZ 85051

    Move-in ready corner-lot home in a charming neighborhood featuring numerous recent upgrades. Both bathrooms have been fully remodeled with new tile flooring, tiled shower surrounds, vanities, updated light fixtures (2024) and additional lighting updates(2026), toilets, and modern finishes. The home also features updated and thoughtfully selected lighting throughout, adding a fresh, contemporary

    Jason Luong Delex Realty

    4104 W Butler Dr, Phoenix, AZ 85051
  • /29

    $899,990

    New Construction
    • 3 Beds
    • 2.5 Baths
    • 1,834 Sq Ft

    Marietta II Plan at Prestige on 64th, Phoenix, AZ 85054

    Open and sunlit floorplan, perfect for entertaining guests in the great room and dining area.Modern kitchen features plenty of counter space for meal prepping and hosting gatherings.Tranquil primary suite with a spa-like primary bath and spacious walk-in closet.Versatile upstairs loft.Convenient second-floor laundry room.Stuff of Life Room is perfect for storage.

    K. Hovnanian Homes Builder
    18017 64th St Unit 38950528, Phoenix, AZ 85054
  • /39

    $369,900

    $49K PRICE DROP
    • 4 Beds
    • 2 Baths
    • 1,499 Sq Ft

    649 N 69th Ave, Phoenix, AZ 85043

    Check out this charming single-level home in Phoenix! A driveway parking & a low-care front yard w/artificial turf are just the beginning. The inviting interior showcases a neutral palette, recessed lighting, and wood-look tile floors in all the right places. Functional floor plan with a seamlessly flowing living & dining room, alongside a welcoming family room that opens to the kitchen! SS

    Angel Almazan DeLex Realty

    649 N 69th Ave, Phoenix, AZ 85043
  • /45

    $509,990

    $15K PRICE DROP
    • 3 Beds
    • 2 Baths
    • 1,489 Sq Ft

    3329 E Palm Ln, Phoenix, AZ 85008

    Beautifully updated 3 bed, 2 bath single-level home with a private pool, single-car garage, and extended carport parking in a prime Phoenix location. Step inside to a bright open layout with modern finishes throughout... featuring an upgraded kitchen with quartz countertops, sleek cabinetry, stainless steel appliances, and a breakfast bar that flows into the main living space. Both bathrooms have

    Jaime Dominguez LPT Realty, LLC

    3329 E Palm Ln, Phoenix, AZ 85008
  • /14

    $325,310

    • 4 Beds
    • 2 Baths
    • 1,140 Sq Ft

    7301 W Heatherbrae Dr, Phoenix, AZ 85033

    Situated on a corner lot in an established Phoenix neighborhood, this single-story property offers four bedrooms, two bathrooms, and approximately 1,154 square feet of living space. Additional features include a block-fenced yard and two-car garage. The property is conveniently located near shopping, dining, schools, parks, and major roadways, providing easy access to everyday services and

    Brian Horton Mainstay Brokerage

    7301 W Heatherbrae Dr, Phoenix, AZ 85033
  • /28

    $449,000

    $26K PRICE DROP
    • 3 Beds
    • 2 Baths
    • 1,467 Sq Ft

    4437 E Almeria Rd, Phoenix, AZ 85008

    Price Reduced!!! Check out this charming single-level home with no HOA! This gem welcomes you with an easy-care landscape, a cozy front porch, and a 1-car garage. Inside, you'll find an inviting great room with wood-look flooring, contemporary lighting, and neutral tones that create a comfortable atmosphere throughout. The open-concept kitchen features pristine white cabinetry, tile backsplash,

    Stacie Steinbrunn West USA Realty

    4437 E Almeria Rd, Phoenix, AZ 85008
  • /33

    $5,995,000

    $3M PRICE DROP
    • Land
    • 40 Acres
    • $149,875 per Acre

    0 W Dove Valley Rd, Phoenix, AZ 85085

    The Seller is a licensed Real Estate Agent in the state of Arizona.Seller is Agent/Owner of 0 W Dove Valley Road, Phoenix, Arizona, 85085. This 40 acre parcel of land is a rare and valuable opportunity for commercial development, located in a prime location surrounded by Apple Inc. vast 5,500-acre parcel on three sides. Situated in close proximity to the BNSF Railroad's 4,400-acre parcel , where

    Yvonne Kilpatrick Lee Harding

    0 W Dove Valley Rd, Phoenix, AZ 85085
  • /47

    $3,850,000

    $649K PRICE DROP
    • 8 Beds
    • 7 Baths
    • 5,692 Sq Ft

    5714 E Lafayette Blvd, Phoenix, AZ 85018

    WOW LOOK AT THAT PRICE! Exceptional NEW CONSTRUCTION single-level home in the highly sought-after ARCADIA area, situated on an OVERSIZED 0.65-acre lot along a premier stretch of Lafayette Blvd with Camelback Mountain views and close proximity to some of Phoenix and Scottsdale's most desirable destinations. Blending luxury design with authentic cottage-inspired charm, this beautifully remodeled

    Kelly Cook Real Broker

    5714 E Lafayette Blvd, Phoenix, AZ 85018
  • /14

    $555,000

    $44K PRICE DROP
    • 4 Beds
    • 3 Baths
    • 2,326 Sq Ft

    15244 N 38th St, Phoenix, AZ 85032

    Fall in love with this beautifully remodeled 4-bedroom, 3-bath home located in a highly desirable North Phoenix neighborhood with no HOA! This move-in-readyproperty features fresh interior and exterior paint, newer flooring, updated lighting and ceiling fans, newer doors and frames, dual-pane windows, slidingglass door, upgraded baseboards, and modern fixtures throughout. The fully

    Mehrzad Paimany Delex Realty

    15244 N 38th St, Phoenix, AZ 85032
  • /28

    $339,900

    $10K PRICE DROP
    • 4 Beds
    • 2 Baths
    • 1,570 Sq Ft

    3243 N 77th Dr, Phoenix, AZ 85033

    Move-in ready four-bedroom, two-bathroom home in the Laurelwood 2 neighborhood. This home features a spacious open floor plan that seamlessly connects the main living spaces. The kitchen is beautifully finished with quartz countertops and a mix of white and stainless-steel appliances. Step outside to a private, fully fenced yard, providing a secure space for outdoor entertaining or gardening.

    Robert Salmons Entera Realty LLC

    3243 N 77th Dr, Phoenix, AZ 85033
  • /21

    $410,000

    • 3 Beds
    • 2 Baths
    • 1,604 Sq Ft

    3116 W Villa Rita Dr, Phoenix, AZ 85053

    This well maintained North Phoenix home offers a bright, open living area with neutral finishes and a functional kitchen that flows seamlessly into the main space. The bedrooms are comfortably sized, providing flexibility for guests, work, or hobbies. The low maintenance backyard is ready for outdoor living or future personalization. Conveniently located near parks, schools, and everyday

    Jacarri Meriwether Everystate, Inc

    3116 W Villa Rita Dr, Phoenix, AZ 85053
  • /2

    $248,000

    $21K PRICE DROP
    • 1 Bed
    • 1 Bath
    • 450 Sq Ft

    3733 W Ross Ave, Glendale, AZ 85308

    GREATLY REDUCED!!.24 acres allows two mobile homes on property or one mobile and one stick built. Currently has small mobile home (Freedom 1971 12x40 ) on permanent foundation on this large, fully enclosed lot. Total electric, but gas is available. Has Electric cooktop, Electric wall oven, Stainless Steel appliances, new mini-split a/c, electric water heater, washer/dryer included. On Septic,

    Roberta Chatfield Phoenix One Realty

    3733 W Ross Ave, Glendale, AZ 85308
  • /28

    $465,000

    • 4 Beds
    • 2 Baths
    • 2,071 Sq Ft

    2110 W Morrow Dr, Phoenix, AZ 85027

    Paid off free solar included, No HOA, New AC, EV Charger, Huge 18' X 36' pebble tech pool, spa, parking for 7 vehicles and a huge work shop. This lovely 4-bedroom property welcomes you with an attached carport, RV gates, and a fenced yard with inviting front patio and mature trees for natural shade. tranquil living room with crown molding, plantation shutters, recessed lighting, and wood-look

    Gilbert Moreno HomeSmart

    2110 W Morrow Dr, Phoenix, AZ 85027

Showing Results 401 - 440, Page 11 of 18

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