1,065

Phoenix, AZ Homes under $500,000

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  • /29

    $409,000

    • 3 Beds
    • 2 Baths
    • 1,416 Sq Ft

    3520 W Mclellan Blvd, Phoenix, AZ 85019

    Fabulous brick ranch home with mid century touches throughout. Enjoy the long list of updates to this charming home. Recent updates include: new flooring throughout, both bathrooms completely remodeled, new windows and slider, new HVAC system and much more. You'll enjoy the character of this home from the architecture to the lovely finishes. North facing backyard with refreshing private pool

    Ken Elder Long Realty Uptown

    3520 W Mclellan Blvd, Phoenix, AZ 85019
  • /19

    $420,000

    • 4 Beds
    • 2 Baths
    • 1,610 Sq Ft

    3202 W Joan de Arc Ave, Phoenix, AZ 85029

    Welcome to this beautifully upgraded classic Phoenix ranch home, where modern updates meet timeless charm! This spacious 4-bedroom, 2-bathroom gem has been thoughtfully renovated to enhance both style and functionality.Step inside to find a stunning open-concept kitchen, expanded to create a seamless flow into the dining and living areas. Featuring new appliances, sleek cabinetry, recessed

    Jayson Paulus My Home Group Real Estate

    3202 W Joan de Arc Ave, Phoenix, AZ 85029
  • /41

    $479,000

    • 3 Beds
    • 2 Baths
    • 2,054 Sq Ft

    14021 N 24th Ave, Phoenix, AZ 85023

    Discover this 3-bedroom home with no HOA! Inside, you'll find wood-look floors, plantation shutters, and skylights. Welcoming living room sets the stage for relaxation, while the great room, complete with a cozy fireplace, is perfect for entertaining. Enjoy gourmet meals in the formal dining area or at the kitchen's breakfast bar. Delightful kitchen features matching appliances, ample counter

    Carin Nguyen Real Broker

    14021 N 24th Ave, Phoenix, AZ 85023
  • /30

    $425,000

    • 3 Beds
    • 2 Baths
    • 1,454 Sq Ft

    5424 S 15th St, Phoenix, AZ 85040

    Welcome to 5424 S 15th St, a charming and spacious home in the heart of Phoenix. Designed for comfort and convenience, it features generous living spaces perfect for relaxation and entertainment. Ideally located near shopping centers, baseball stadiums, and major highways, this home offers easy access to key destinations while increasing your chances of commuting against rush hour traffic,

    Michael Olberding Berkshire Hathaway HomeServices Arizona Properties

    5424 S 15th St, Phoenix, AZ 85040
  • /56

    $439,900

    • 2 Beds
    • 2.5 Baths
    • 1,585 Sq Ft

    16 W Encanto Blvd Unit 2, Phoenix, AZ 85003

    Stunning corner oasis unit with a modern remodel and SPA bathroom* Unique unit-direct entry from Encanto Blvd. or main Corridor*This condo features an open floor plan, tile floors, Quartz countertops, and a stylish tile backsplash. Enjoy the upstairs balcony and spacious patio with easy access to the Willow District. The beautifully renovated lobby and corridors add to the charm of this home!

    Mark Morelock West USA Realty

    16 W Encanto Blvd Unit 2, Phoenix, AZ 85003
  • /63

    $439,900

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

    4139 W Anderson Dr, Glendale, AZ 85308

    Welcome to this beautifully updated, open-concept home with a spacious floor plan and modern amenities throughout like dimmable recessed LED lighting (installed in 2009) and a completely tiled living area, foyer & hallway (also updated in 2009), creating a clean, contemporary look.The bedrooms, fully carpeted in 2023, provide a cozy retreat, modern switches and outlets installed in 2021.Storage

    Stan Abraham Berkshire Hathaway HomeServices Arizona Properties

    4139 W Anderson Dr, Glendale, AZ 85308
  • /8

    $460,000

    • 5 Beds
    • 2.5 Baths
    • 2,420 Sq Ft

    8565 W Monte Vista Rd, Phoenix, AZ 85037

    Huge 3 bedrooms ,2.5 bathroom House with RV gate, really specious , new AC units (2024), close to Westgate , Tanger outlets , Cardinal Stadium , future Ocean Lagoon Resort and much more .

    Marisela Valdez Avalos HomeSmart

    8565 W Monte Vista Rd, Phoenix, AZ 85037
  • /25

    $419,000

    • 5 Beds
    • 2 Baths
    • 1,522 Sq Ft

    2049 W Joan de Arc Ave, Phoenix, AZ 85029

    This home is a great home located near all that is needed. The original home had 4 bedrooms, an additional fifth bedroom was added by pervious owners. This home includes washer, dryer and fridge! Enjoy the backyard which features a built in pool with a surrounding fence, synthetic grass and a covered patio. The pool was recently resurfaced with pebble tech! A tankless water heater was installed

    Jessica Hodak Signature Premier Realty LLC

    2049 W Joan de Arc Ave, Phoenix, AZ 85029
  • /37

    $439,500

    • 3 Beds
    • 2 Baths
    • 1,743 Sq Ft

    10223 N 40th Ave, Phoenix, AZ 85051

    Discover this beautiful, fully renovated 3-bedroom, a den,2-bathroom home in a quiet cul-de-sac! It features stylish new flooring, fresh interior and exterior paint, and energy-efficient dual-pane windows.The modern kitchen boasts sleek cabinetry, elegant granite countertops, and premium fixtures—perfect for cooking and entertaining. Relax in luxurious remodeled bathrooms with contemporary

    Greg Isopescu West USA Realty

    10223 N 40th Ave, Phoenix, AZ 85051
  • /40

    $424,900

    • 3 Beds
    • 2 Baths
    • 1,678 Sq Ft

    13148 N 21st Ave, Phoenix, AZ 85029

    Welcome to this charming 3 bed 2 bath home nestled in the heart of Moon Valley Gardens. This beautifully maintained property offers a perfect blend of comfort and style. Featuring an eat in kitchen for your family gatherings with abundant natural light. Relax in your oversized screened in patio and manicured back yard, great for entertaining! This home comes with an attached bonus room with a

    Traci Wood My Home Group Real Estate

    13148 N 21st Ave, Phoenix, AZ 85029
  • /15

    $484,990

    • 4 Beds
    • 2.5 Baths
    • 2,338 Sq Ft

    5826 W Sunrise Dr, Phoenix, AZ 85339

    Beautiful Brand New Home in a Highly Desirable West valley location. Features countless upgrades such as 9' ceilings, Shaw 17x17 Tile, Granite countertops in the kitchen. GE Stainless steel appliances. White shaker cabinets. Energy-efficient features throughout, WIFI & programmable thermostat. Spacious walk-in closet in the primary suite. Front yard landscaping, covered patio in the backyard.

    Danny Kallay Compass

    5826 W Sunrise Dr, Phoenix, AZ 85339
  • /37

    $499,700

    • 4 Beds
    • 2 Baths
    • 1,750 Sq Ft

    1514 E Turquoise Ave, Phoenix, AZ 85020

    Seize the chance to own this fully permitted and remodeled 4-bedroom, 2-bath residence with no HOA! Discover an upgraded interior boasting a spacious living room with a soothing palette, recessed lighting, and attractive wood-look flooring for a timeless appeal. The renovated eat-in kitchen comes with sleek quartz counters, a tile backsplash, white shaker cabinets, stainless steel appliances, and

    Tyler Blair eXp Realty

    1514 E Turquoise Ave, Phoenix, AZ 85020
  • /21

    $425,000

    • Land
    • 5.00 Acres
    • $85,000 per Acre

    0 N 10 St Unit 6841976, Phoenix, AZ 85087

    Incredible 5-acre lot with Spectacular, breathtaking views, tucked away in the beautiful mountains of the growing city of New River. Electricity is on the property, and Water can be shared with agreement. Build your dream home in one of the most sought-after areas in New River while you can. Phoenix has topped the nation in population growth for the past decade and continues to grow. Arizona

    Mona Oshana Southwest Property Sales & Leasing

    0 N 10 St Unit 6841976, Phoenix, AZ 85087
  • /25

    $441,000

    • 4 Beds
    • 2 Baths
    • 1,833 Sq Ft

    15231 N 25th Place, Phoenix, AZ 85032

    Seller may consider buyer concessions if made in an offer. Come see this charming home now on the market! Discover a bright interior tied together with a neutral color palette. Meal prep is a breeze in the kitchen, complete with a spacious center island. Relax in your primary suite with a walk in closet included. The primary bathroom features plenty of under sink storage waiting for your home

    Tara Jones Opendoor Brokerage, LLC

    15231 N 25th Place, Phoenix, AZ 85032
  • /35

    $499,995

    • 4 Beds
    • 3 Baths
    • 2,719 Sq Ft

    9207 W Kirby Ave, Tolleson, AZ 85353

    This spacious, well maintained home is designed for comfort and convenience! Inside, you'll find a bright, open layout, perfect for entertaining. The first floor features both a family and living room, a downstairs bedroom with a full bath - perfect for guests, and energy saving window screens to keep things cool. Upstairs, enjoy a huge primary suite and versatile loft space. The low maintenance

    Brandon Howe Howe Realty

    9207 W Kirby Ave, Tolleson, AZ 85353
  • /22

    $450,000

    • 4 Beds
    • 2.5 Baths
    • 2,368 Sq Ft

    5139 W Shumway Farm Rd Unit 1, Laveen, AZ 85339

    This stunning, well-maintained 2-story home features 4 spacious bedrooms and 2.5 baths, offering ample space for comfort and relaxation. The kitchen, updated with gorgeous granite countertops in 2023, boasts a large island, plenty of cabinet space, and an eat-in dining area, making it both functional and inviting. It flows effortlessly into the family living area, perfect for entertaining.

    Jacqueline Shaffer OfferPad Brokerage, LLC

    5139 W Shumway Farm Rd Unit 1, Laveen, AZ 85339
  • /40

    $439,000

    • 2 Beds
    • 2 Baths
    • 1,850 Sq Ft

    2201 N Central Ave Unit 3A, Phoenix, AZ 85004

    Phoenix Towers! A historic 60-unit Mid-Century Modern building with incredible amenities, spacious apartments, 24/7 door staff, and a close-knit community of friendly neighbors! Walk to Arts District, Midtown, Downtown Phoenix restaurants and shops. Unit 3A has gorgeous mountain views and the quieter northeastern exposure - breathtaking sunrises to start your day! In-unit laundry, dedicated

    Rebecca Wagner RE/MAX Excalibur

    2201 N Central Ave Unit 3A, Phoenix, AZ 85004
  • /52

    $498,999

    • 4 Beds
    • 2 Baths
    • 1,355 Sq Ft

    3301 E Sharon Dr, Phoenix, AZ 85032

    Seize the chance to own this coveted corner lot property! This 4-bedroom residence welcomes you with an easy-care yard with artificial turf, an extended driveway, & a front patio that sets an inviting tone. The living room boasts natural light, a soothing palette, crown moulding, & durable tile flooring. The well-appointed kitchen comes with quarts counters, a tile backsplash, ample wood

    Jaime Meraz eXp Realty

    3301 E Sharon Dr, Phoenix, AZ 85032
  • /31

    $449,900

    • 3 Beds
    • 2 Baths
    • 1,172 Sq Ft

    2705 E Rock Wren Rd Unit 37C, Phoenix, AZ 85048

    Located in the highly desirable area of Ahwatukee this home will not last long! Walking into the living room you'll notice the vaulted ceilings give you an airy feeling. The split primary bedroom and secondary bedrooms give privacy and a balanced feeling to this home. The kitchen was updated in 2021 and is nicely appointed with stainless steel appliances, granite countertops, backsplash, and

    Christina Stephan Realty ONE Group

    2705 E Rock Wren Rd Unit 37C, Phoenix, AZ 85048
  • /31

    $425,000

    • 4 Beds
    • 2 Baths
    • 2,086 Sq Ft

    10528 W Crown King Rd, Tolleson, AZ 85353

    Welcome to this spacious 4 bed, 2 bath home in the desirable Park Forest community of Tolleson! With 2,086 sqft of living space, a split floor plan, soaring ceilings, and a 3-car garage, this home offers both comfort and functionality. The OWNED SOLAR system is a standout feature—providing long-term energy savings with no lease or payments to assume. Enjoy lower utility bills year-round while

    Anthony Escobar Realty ONE Group

    10528 W Crown King Rd, Tolleson, AZ 85353
  • /45

    $449,000

    • 3 Beds
    • 2 Baths
    • 1,625 Sq Ft

    3224 W Ironwood Dr, Phoenix, AZ 85051

    Discover this beautifully designed 3-bedroom, 2-bath home nestled on a desirable cul-de-sac lot! Enjoy outdoor living at its finest with a spacious backyard featuring lush mature trees and a built-in pizza oven—perfect for entertaining. Inside, you'll find two dining spaces, a comfy living room, and a versatile flex space that can be converted back into a garage if desired. The Arizona room adds

    Alli Dubberly eXp Realty

    3224 W Ironwood Dr, Phoenix, AZ 85051
  • /33

    $445,000

    • 4 Beds
    • 2 Baths
    • 969 Sq Ft

    1505 W Pierce St, Phoenix, AZ 85007

    Step into this charming 1925 bungalow, where original charm meets modern functionality! This light and airy home boasts hardwood floors, thick baseboards, solid wood doors with classic frames, and soaring 10-ft ceilings. The inviting floorplan enhances the natural light, while the farmhouse kitchen sink adds the perfect touch of character. Relax on the welcoming front porch, ideal for enjoying

    Ed Drummond Capstone Realty Professionals

    1505 W Pierce St, Phoenix, AZ 85007
  • /30

    $489,900

    • 3 Beds
    • 2 Baths
    • 1,158 Sq Ft

    2320 E Harvard St, Phoenix, AZ 85006

    Welcome to your Central Phoenix dream home—a remodeled, high-performing Airbnb! You'll be wowed by the wood plank flooring, plush carpet, updated windows and doors, and a beautifully tiled fireplace! The white shaker kitchen cabinets and vanity cabinets bring modern feel to every room.The home also features a newer AC, solar panels that are fully functional and part of a city program—NO lease

    Christa Miranda Realty ONE Group

    2320 E Harvard St, Phoenix, AZ 85006
  • /34

    $469,500

    • 3 Beds
    • 2 Baths
    • 1,762 Sq Ft

    2536 W Grenadine Rd, Phoenix, AZ 85041

    REDUCED $20,000! NEVER LIVED & THOUSANDS IN UPGRADES! Wood-Plank Vinyl flooring throughout! Stunning Gourmet Kitchen has highly Upgraded 42 inch Cabinets with crown moulding, Gas Range, Granite Counters, Custom Herringbone Tile Backsplash, huge Walk-In Pantry, and over-sized Island, over-looking the Great Room with Expansive 3 panel sliding glass doors, that bathe the entire room in natural

    Mary Maloney Realty ONE Group

    2536 W Grenadine Rd, Phoenix, AZ 85041
  • /28

    $485,000

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

    815 E Paradise Ln, Phoenix, AZ 85022

    Incredibly charming home in Moon Valley adjacent with NO HOA!! Newer A/C and hot water heater, as the owner expertly maintained the property for the last 15 Years!! Expansive, professionally designed backyard, complete with quaint sitting areas to enjoy the mountain views and native bird watching or relax in the electric hot tub. Interior boasts wonderful natural light in kitchen, entry and

    Ashley Graves Natl Asset Management Network

    815 E Paradise Ln, Phoenix, AZ 85022
  • /38

    $447,500

    • 3 Beds
    • 2 Baths
    • 1,513 Sq Ft

    3802 W Rue de Lamour Ave, Phoenix, AZ 85029

    Welcome to this delightful 3-bed, 2-bath home, where pride of ownership shines throughout! I've driven the others, hands down best home in this price point! Owner of 30 years has poured her love, muscle, and tears into this home. No hidden secrets from a flip. From the pool, to the roof, to walls: A++. Nestled among large, mature shade trees, this home offers a private, lush front yard, No

    Daniel Medina My Home Group Real Estate

    3802 W Rue de Lamour Ave, Phoenix, AZ 85029
  • /27

    $425,000

    • 3 Beds
    • 1 Bath
    • 1,504 Sq Ft

    1624 W Thomas Rd, Phoenix, AZ 85015

    The perfect live/work property for somebody with 3 bedroom/1 bath full living space along with reception and conference room for business in a great convenient location near freeways yet still overlooking the Encanto golf course,Downtown hi-rises and the mountains behind!Good condition with all tile floors, brick construction,dual pane windows and terrific storage.Plus the historic charm that

    Sherry Rampy Brokers Hub Realty, LLC

    1624 W Thomas Rd, Phoenix, AZ 85015
  • /25

    $475,000 Open Wed 8AM - 7PM

    • 3 Beds
    • 2 Baths
    • 1,357 Sq Ft

    2201 W Avalon Dr, Phoenix, AZ 85015

    Seller may consider buyer concessions if made in an offer. Welcome to this fabulous area! This home has Fresh Interior Paint. Discover a bright interior tied together with a neutral color palette. Take advantage of the extended counter space in the primary bathroom complete with double sinks and under sink storage. Step outside to the pristinely maintained fenced in backyard with pool, great for

    Tara Jones Opendoor Brokerage, LLC

    2201 W Avalon Dr, Phoenix, AZ 85015
  • /35

    $410,000

    • 2 Beds
    • 2.5 Baths
    • 1,435 Sq Ft

    4927 E Hazel Dr Unit 2, Phoenix, AZ 85044

    Popular Pointe At South Mountain - Gorgeous Townhouse - Two Bedrooms + Office/Den, 2.5 Bathrooms, Spacious 1435 Square Ft. & One Car Garage. Inviting Great Room With Towering Ceilings And a Fireplace. The Attractive Kitchen Offers Lots of Cabinets, Pantry, Kitchen Island & Cozy Dining Area. NEW LUXURY VINYL PLANK Flooring Downstairs! HVAC (10 Yr Warranty), Water Heater & All Appliances NEW in

    Asa Hemberg West USA Realty

    4927 E Hazel Dr Unit 2, Phoenix, AZ 85044
  • /16

    $404,500

    • 3 Beds
    • 2 Baths
    • 1,308 Sq Ft

    5901 W Granada Rd, Phoenix, AZ 85035

    2022 build. Soaring 10' ceilings and an open floor plan is not common in this area. This home is brand new throughout, it offers a neutral wood grain tile flooring, no carpet. Its super easy to maintain. There many upgrades to mention, its better to see for yourself and be able to appreciate it. The kitchen offers an Amazing spacious flat top stove nestled into the kitchen island where u have a

    Ruben Fajardo West USA Realty

    5901 W Granada Rd, Phoenix, AZ 85035
  • /38

    $449,000

    • 3 Beds
    • 3 Baths
    • 1,654 Sq Ft

    2315 N 52nd St Unit 104, Phoenix, AZ 85008

    Just minutes from the hiking trails at Papago Park this contemporary three-bedroom townhome welcomes you with fresh interior paint and a stylish staircase leading to an open living and dining area. The updated kitchen shines with modern cabinet hardware, stainless steel appliances, a smart refrigerator, and granite countertops with a breakfast bar. Each floor features a bedroom and full bathroom,

    Denise Pulido West USA Realty

    2315 N 52nd St Unit 104, Phoenix, AZ 85008
  • /24

    $445,000 Open Wed 8AM - 7PM

    • 3 Beds
    • 2 Baths
    • 1,323 Sq Ft

    3702 E Karen Dr, Phoenix, AZ 85032

    Seller may consider buyer concessions if made in an offer. Your dream home is waiting for you! This home has Fresh Interior Paint. Discover a bright interior tied together with a neutral color palette. Head to the spacious primary suite with good layout and closet included. Good primary bathroom. Take it easy in the fenced in back yard. The covered sitting area makes it great for BBQs! Like what

    Tara Jones Opendoor Brokerage, LLC

    3702 E Karen Dr, Phoenix, AZ 85032
  • /24

    $464,990

    • 4 Beds
    • 3.5 Baths
    • 2,074 Sq Ft

    9839 W Catalina Dr, Avondale, AZ 85037

    Ask about special financing with preferred lender. The first floor of this new two-story home is host to an inviting open floorplan that combines the kitchen with the living and dining areas. Four bedrooms can be found upstairs, including the owner's suite, complete with an en-suite bathroom, dual walk-in closets and private balcony access.Photos are of a model home, not the actual home.

    Jessica Dettman Lennar Sales Corp

    9839 W Catalina Dr, Avondale, AZ 85037
  • /49

    $425,000

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

    1701 E Colter St Unit 102, Phoenix, AZ 85016

    Discover the perfect blend of comfort and style in this newly renovated 2-bedroom, 2-bathroom condo at Biltmore Square. Offering a contemporary lifestyle, this 1,118 sqft unit boasts a spacious family room complemented by two master suites. The kitchen has new cabinets with stunning Quartzite countertops, tile backsplash and modern stainless steel appliances. As you enter the bedrooms through the

    Stephanie Moser Resident Realty

    1701 E Colter St Unit 102, Phoenix, AZ 85016
  • /16

    $464,900

    • 4 Beds
    • 3 Baths
    • 1,939 Sq Ft

    9155 W Minnezona Ave, Phoenix, AZ 85037

    This well maintained home is ready for its new owners! Featuring 4 bedrooms and 3 bathrooms this home offers a great open floor plan and great space both inside and out for entertaining. The backyard has a covered patio, extended paver patio and artificial turf. Kitchen is spacious and beautiful with dark cabinetry and stainless appliances and a gas stove! Make an offer today!

    Somone Wilder Jason Mitchell Real Estate

    9155 W Minnezona Ave, Phoenix, AZ 85037
  • /57

    $480,000

    • 3 Beds
    • 2.5 Baths
    • 1,487 Sq Ft

    9833 S 44th St, Phoenix, AZ 85044

    Remodeled 3-Bedroom Home with Modern Upgrades This stunning 3-bedroom, 2.5-bathroom home with a spacious 2-car garage has been completely updated with high-quality finishes and essential upgrades. Enjoy peace of mind with a brand-new roof, new AC unit, and new garage opener. Step inside to fresh interior paint, new carpet, and updated baseboards, all complemented by the removal of popcorn

    Nate Randleman Keller Williams Realty East Valley

    9833 S 44th St, Phoenix, AZ 85044
  • /21

    $475,000

    • 4 Beds
    • 3 Baths
    • 2,261 Sq Ft

    2831 W Carson Rd, Phoenix, AZ 85041

    Step inside to a charming and sophisticated interior featuring a formal living room, soaring ceilings, and stylish tile flooring. An inviting hallway leads to a stunning great room, where the open-concept family and dining area is bathed in natural light and recessed lighting, with multi-panel sliding doors seamlessly connecting to the back patio.The gourmet kitchen is a chef's dream,

    Kyle Anderson My Home Group Real Estate

    2831 W Carson Rd, Phoenix, AZ 85041
  • /12

    $500,000

    • 10,603 Sq Ft

    21411 N 11th Ave Unit 12, Phoenix, AZ 85027

    Small Bay Industrial Flex Space in North Phoenix/ Deer Valley Airport AreaReception, 1 Private Office and 1 restroom, HVAC, New water heater industrial sink. Mezzanine storage. 14' clear ht., 200amp power/ 3phase, 10x10 roll up door,2 reserved parking spacesZoned I-1,

    Tucker Geer Long Realty Jasper Associates

    21411 N 11th Ave Unit 12, Phoenix, AZ 85027
  • /29

    $485,000

    • 4 Beds
    • 3 Baths
    • 2,070 Sq Ft

    1228 S 10th Ave, Phoenix, AZ 85007

    Discover your dream home in a peaceful, no-HOA community! This brand-new 2024 luxury home features 4 spacious bedrooms, 3 modern bathrooms, and elegant contemporary finishes throughout. Enjoy an open-concept great room with energy-efficient windows, a gourmet kitchen with granite countertops, a large island, and a walk-in pantry. The serene primary suite offers a walk-in closet, while a covered

    Jonathon Shoecraft AXIS Real Estate

    1228 S 10th Ave, Phoenix, AZ 85007
  • /32

    $490,000

    • 4 Beds
    • 3.5 Baths
    • 2,166 Sq Ft

    6921 W Gwen St, Laveen, AZ 85339

    Seller may consider buyer concessions if made in an offer. Welcome to this charming home with a natural color palette throughout. The kitchen features a center island, perfect for entertaining. The primary bedroom boasts a spacious walk-in closet for all your storage needs. The primary bathroom includes double sinks and good under sink storage. Step outside to the fenced backyard with a covered

    Tara Jones Opendoor Brokerage, LLC

    6921 W Gwen St, Laveen, AZ 85339

Showing Results 401 - 440, Page 11 of 18

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