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Phoenix, AZ Homes for Sale under $500,000

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  • /24

    $419,000

    • 3 Beds
    • 2 Baths
    • 1,779 Sq Ft

    8102 N 30th Dr, Phoenix, AZ 85051

    Great opportunity on this single-story corner lot home in Phoenix! Featuring 3 bedrooms and 2 bathrooms, plus a separate guest room with its own kitchen and private entrance--ideal for multi-generational living or rental potential. Seller is willing to contribute toward closing costs Home offers a spacious kitchen, separate dining with built-ins, living room, and family room with fireplace. Split

    David Baker eXp Realty

    8102 N 30th Dr, Phoenix, AZ 85051
  • /23

    $460,000 Open Sat 10:30AM - 1:30PM

    • 2 Beds
    • 1 Bath
    • 1,091 Sq Ft

    4540 N 44th St Unit 2, Phoenix, AZ 85018

    Experience elevated Arcadia living in this timeless townhome set on the grounds of a former date farm. Rich in character, it features rare 100-year-old hardwood floors, a striking octagonal vaulted wood ceiling, and beautifully tiled fireplaces. The kitchen offers a warm, elevated design with a center island and ample storage, while a dedicated office with custom built-ins adds functionality.

    Nicole Demas Berkshire Hathaway HomeServices Arizona Properties

    4540 N 44th St Unit 2, Phoenix, AZ 85018
  • /44

    $488,000

    • 3 Beds
    • 3 Baths
    • 1,534 Sq Ft

    25225 N 40th Ln, Phoenix, AZ 85083

    SELLER TO PROVIDE $10,000 CREDIT toward roof replacement with an acceptable offer. Welcome to this rare opportunity in Stetson Hills! This 3-bedroom, 2.5-bath home backs to a wash, offering a peaceful backyard retreat with beautiful mountain views, huge covered patio, RV Gate and a thriving vegetable garden and citrus trees. The primary bathroom and half bath were tastefully updated in 2025. The

    Stacey Muto HomeSmart

    25225 N 40th Ln, Phoenix, AZ 85083
  • /25

    $415,000

    • 4 Beds
    • 2 Baths
    • 1,518 Sq Ft

    1943 E South Mountain Ave, Phoenix, AZ 85042

    Rare corner lot home near the base of South Mountain with stunning desert and mountain views and no HOA. This 4 bed, 2 bath home offers 1,518 sq ft of living space on a huge 9,805 sq ft lot with RV access, two fireplaces, and a two-car garage with workshop/additional storage. The oversized backyard is a blank canvas for entertaining, gardening, or creating your retreat. Just 20 minutes from

    Meghan Applebee LPT Realty, LLC

    1943 E South Mountain Ave, Phoenix, AZ 85042
  • /37

    $469,999

    • 3 Beds
    • 2.5 Baths
    • 2,373 Sq Ft

    2439 W Kowalsky Ln, Phoenix, AZ 85041

    Built in 2023 in the gated community of Liberty, this stunning 3-bedroom, 2.5-bath home offers 2,400 sq ft of thoughtfully designed living space on a premium lot with breathtaking mountain views. Inside, you'll find an open-concept layout perfect for modern living. The chef's kitchen is the heart of the home, featuring gorgeous granite countertops, ample cabinetry, and a spacious island ideal for

    Jodi Melendy Realty ONE Group

    2439 W Kowalsky Ln, Phoenix, AZ 85041
  • /25

    $405,000

    • 2 Beds
    • 2.5 Baths
    • 1,455 Sq Ft

    2822 W White Feather Ln, Phoenix, AZ 85085

    Welcome Home! Well located in North Phoenix, just off of I-17. A short drive to The Shops at Norterra, and TSMC. Imagine enjoying a glass of wine on the back patio on those pleasant desert evenings, or heading down for a relaxing dip in the community pool. If you're expecting contractor grade carpet in this home, please think again. The second floor was upgraded with new, durable laminate

    Aaron Ellsaesser My Home Group Real Estate

    2822 W White Feather Ln, Phoenix, AZ 85085
  • /20

    $419,990 New Construction

    • 3 Beds
    • 2.5 Baths
    • 1,961 Sq Ft

    9743 W Catalina Dr, Phoenix, AZ 85037

    The first floor of this two-story home shares an open layout between the kitchen, dining area and family room for easy entertaining, along with convenient access to a powder room. Upstairs are two secondary bedrooms, ideal for household members and overnight guests, as well as a multifunctional loft and luxe owner's suite, comprised of an en-suite bathroom and walk-in closet.

    Lennar Builder
    9743 W Catalina Dr, Phoenix, AZ 85037
  • /19

    $415,000

    • 3 Beds
    • 2 Baths
    • 2,010 Sq Ft

    9825 W Trumbull Rd, Phoenix, AZ 85353

    This stunning 3-bedroom, 2-bath home with a bonus area, built in 2019, is the perfect blend of style and comfort. The low-maintenance backyard is a true oasis, featuring a gorgeous pebble tec pool with a relaxing baja step, a pool safety fence, elegant travertine tile, and lush artificial grass that stays green year-round. Step inside to a welcoming interior where the kitchen shines with

    Patrick Foster A.Z. & Associates

    9825 W Trumbull Rd, Phoenix, AZ 85353
  • /40

    $499,800

    • 5 Beds
    • 3 Baths
    • 2,850 Sq Ft

    4419 W Powell Dr, New River, AZ 85087

    Beautiful 5-bedroom, 3-bathroom home located on the highly desirable west side of Anthem, offering space, comfort, and convenience in one of the area's most sought-after communities. Fresh interior and exterior paint, brand-new carpet, and low-maintenance turf in the backyard create a clean, refreshed space ready to be enjoyed from day one. The versatile floor plan provides ample room for growing

    Marc Shrake Realty ONE Group

    4419 W Powell Dr, New River, AZ 85087
  • /7

    $429,500

    • 4 Beds
    • 2.5 Baths
    • 2,214 Sq Ft

    6815 S 33rd Ave, Phoenix, AZ 85041

    Beutifully remodeled home featuring a brand new kitchen with quartz countertops, modern cabinets and a stylish tile backsplash. Enjoy new waterproof laminate flooring , fresh paint, and energy efficient windows that flood the space with natural light. Both bathrooms are fully updated with laminated tile, fixtures, and doors. Upgrades include Led Lighning , new doors inside and out, and redone

    Luz Pablos American Freedom Realty

    6815 S 33rd Ave, Phoenix, AZ 85041
  • /41

    $500,000

    • 3 Beds
    • 3 Baths
    • 1,900 Sq Ft

    2315 E Pinchot Ave Unit 126, Phoenix, AZ 85016

    Experience modern living in the heart of Central Phoenix, just minutes from Biltmore shopping, premier dining, and downtown Phoenix. Located in a gated community, this newer-built townhome offers a sleek, contemporary design paired with a highly functional and desirable floor plan. The open-concept main living space flows seamlessly into the kitchen and dining areas, perfect for entertaining or

    Nancy North Compass

    2315 E Pinchot Ave Unit 126, Phoenix, AZ 85016
  • /17

    $410,000

    • 2 Beds
    • 3 Baths
    • 1,455 Sq Ft

    28131 N 28th Dr, Phoenix, AZ 85083

    Mountain views! A great location in N. Phoenix, Close to TSMC.This home was barely lived in. The home offers comfort, convenience, and beautiful Arizona surroundings. This 2bed/2.5 baths + Loft (loft can be converted to 3rd bed). It's tucked into a quiet neighborhood while remaining close to major freeways (I-17), shopping, dining, outdoor hiking trails. Come take a dip in the Community

    Michele DeAlto Re/Max Fine Properties

    28131 N 28th Dr, Phoenix, AZ 85083
  • /22

    $400,000

    • 3 Beds
    • 2 Baths
    • 1,195 Sq Ft

    4915 W Evans Dr, Glendale, AZ 85306

    This beautifully updated & well maintained home is a must see. It features a sparkling backyard pool, covered patio, lush side courtyard, an excellent split floorplan, & soaring vaulted ceilings. Primary suite has jetted tub, double sinks, and walk in closet. The remaining bedrooms & bath at the other end of the house are perfect for guests, renters, etc. New cabinets in kitchen & bathrooms. The

    Jane Wendt HomeSmart

    4915 W Evans Dr, Glendale, AZ 85306
  • /28

    $400,000

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

    20660 N 40th St Unit 1059, Phoenix, AZ 85050

    Prime Desert Ridge location in the gated La Verne community! This move-in ready 2 bed, 2 bath home offers a desirable split floor plan, private garage, and steps-to-the-pool location. Light and well-maintained interior with low-maintenance living—perfect for a primary residence, second home, or lock-and-leave lifestyle. La Verne is a highly sought-after gated community close to Desert Ridge

    Charles DeLong HomeSmart

    20660 N 40th St Unit 1059, Phoenix, AZ 85050
  • /28

    $439,000

    • 3 Beds
    • 3 Baths
    • 1,882 Sq Ft

    2378 W Jake Haven, Phoenix, AZ 85085

    This two story property features new flooring downstairs and a welcoming atmosphere from the moment you enter. The office space is the perfect setup for working from home or having your own crafts station. At the heart of the home lies a spacious kitchen and a bright dining area, making it perfect for casual breakfasts or lively dinners with friends. The upstairs primary suite serves as a private

    Daniel Brown My Home Group Real Estate

    2378 W Jake Haven, Phoenix, AZ 85085
  • /26

    $499,900

    • 3 Beds
    • 2 Baths
    • 1,488 Sq Ft

    17406 N 22nd St Unit 19, Phoenix, AZ 85022

    NO HOA! North Phoenix STUNNER! This gorgeous home has just underwent a full modern renovation and is ready for its new owner. New cabinets, quartz counters, LVP flooring, tile showers, new vanities, lights and more! Exterior is equipped with a 2024 HVAC unit and a turf back yard for low maintenance! No expense was spared on this home. Come see it TODAY!

    Grant Smith West USA Realty

    17406 N 22nd St Unit 19, Phoenix, AZ 85022
  • /26

    $439,000

    • 3 Beds
    • 2 Baths
    • 1,567 Sq Ft

    20448 N 36th Dr, Glendale, AZ 85308

    Charming single-story corner home nestled on a spacious cul-de-sac lot! This 3 bed, 2 bath gem offers an inviting layout with both living and formal dining areas, a kitchen with ample cabinetry, SS appliances, and a cozy breakfast nook that fills the space with natural light. The generous primary suite includes an ensuite with dual vanities, a separate tub, and a newer tile shower. Enjoy Arizona

    Donita Dahm Keller Williams Arizona Realty

    20448 N 36th Dr, Glendale, AZ 85308
  • /40

    $500,000

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

    3312 E Maldonado Dr, Phoenix, AZ 85042

    Arizona golf-style living at its finest! Nestled in a darling gated golf community at the base of South Mountain Park/Preserve and the famous Raven Golf Course, this home sits on a premier, quiet interior lot with stunning golf course and mountain views! The largest floor plan in the community features an inviting open layout designed for entertaining, complete with two breakfast bars, stainless

    Carlie Back Keller Williams Realty East Valley

    3312 E Maldonado Dr, Phoenix, AZ 85042
  • /24

    $449,000

    • Land
    • 5.07 Acres
    • $88,560 per Acre

    3054 W Briarwood Terrace Unit 92, Phoenix, AZ 85045

    Rare opportunity to own a 5-acre hillside lot within the exclusive gated community of Calabrea, nestled on the side of South Mountain. One of just four adjacent 5-acre parcels, each available individually or together, this property offers flexibility to build on 5, 10, 15, or the full 20 acres. The lot sits 360 feet above the paved street, offering panoramic mountain and city views, and falls

    Blake Clark Limitless Real Estate

    3054 W Briarwood Terrace Unit 92, Phoenix, AZ 85045
  • /27

    $402,000

    • 4 Beds
    • 2 Baths
    • 1,709 Sq Ft

    3615 W Augusta Ave, Phoenix, AZ 85051

    Welcome to 3615 W Augusta Ave, a great home with a pool and no HOA. The living room is graced with a cozy fireplace, creating a perfect ambiance for relaxation. The kitchen is a chef's dream, boasting an accent backsplash that adds a touch of sophistication. It is also equipped with all stainless steel appliances, ensuring a modern and efficient cooking experience. Step outside to a covered patio

    Tara Jones Opendoor Brokerage, LLC

    3615 W Augusta Ave, Phoenix, AZ 85051
  • /35

    $439,000

    • 2 Beds
    • 1 Bath
    • 936 Sq Ft

    1706 N 17th Ave, Phoenix, AZ 85007

    Charming Central Phoenix bungalow with a huge yard and inviting outdoor living spaces just minutes from Downtown. This classic Phoenix home blends timeless character with comfortable modern living, featuring a bright open layout, spacious bedrooms, and beautifully refreshed interiors that feel light, clean, and move-in ready. Enjoy the welcoming front porch, the perfect spot for morning coffee or

    David Zajdzinski eXp Realty

    1706 N 17th Ave, Phoenix, AZ 85007
  • /26

    $481,500

    • 4 Beds
    • 2 Baths
    • 1,839 Sq Ft

    4511 W Sandra Terrace, Glendale, AZ 85306

    Updated 4 bed, 2 bath single-level home with paid-off solar, open layout, and resort-style backyard. Features include a modern kitchen with quartz counters, gray shaker cabinets, stainless appliances, and breakfast bar, plus tile flooring throughout main living areas and a brick fireplace. Spacious primary suite with backyard access and updated baths. Enjoy a sparkling pool, covered patio with

    Liisa Sharp LRA Real Estate Group, LLC

    4511 W Sandra Terrace, Glendale, AZ 85306
  • /26

    $420,000

    • 4 Beds
    • 2 Baths
    • 1,633 Sq Ft

    8734 W Agora Ln, Tolleson, AZ 85353

    Make yourself at home in this beautiful 4-bed, 2-bath residence in Hurley Ranch! Its charm starts with a manicured front yard, stone accent details, and a 2-car garage. Enter to find a seamlessly flowing open layout, designed for everyday living & entertaining! Neutral palette creates an inviting atmosphere, complemented by recessed lighting, tile flooring in common areas, and soft carpet in

    Francisco Mendoza My Home Group Real Estate

    8734 W Agora Ln, Tolleson, AZ 85353
  • /27

    $430,000

    • 2 Beds
    • 2 Baths
    • 1,343 Sq Ft

    5450 E Deer Valley Dr Unit 1214, Phoenix, AZ 85054

    Priced to sell! Beautifully maintained 2 bed, 2 bath condo located in a quiet building within the resort-style Toscana community. Enjoy a spacious patio overlooking the courtyard. Features include plantation shutters, Bosch kitchen appliances, and a gas range. Major 2024 updates include a new GE Profile washer/dryer, HVAC system, and toilets. This unit also has it's own covered parking space.

    Kathleen Miller RETSY

    5450 E Deer Valley Dr Unit 1214, Phoenix, AZ 85054
  • /42

    $449,000

    • 3 Beds
    • 2 Baths
    • 1,684 Sq Ft

    7840 N 7th St Unit 1, Phoenix, AZ 85020

    Move-in ready, fully remodeled townhome located in the heart of North Central Phoenix, within the desirable Easy Barcelona community. This quiet, residential neighborhood is known for its friendly atmosphere and convenient access to shopping, dining, and major corridors. The interior features updated flooring throughout (2016), plantation shutters, and ceiling fans in all bedrooms, creating a

    Bobby Lieb Compass

    7840 N 7th St Unit 1, Phoenix, AZ 85020
  • /28

    $400,000

    • 5 Beds
    • 2 Baths
    • 1,659 Sq Ft

    10002 W Mariposa St, Phoenix, AZ 85037

    Spacious and well maintained 5 bedroom, 2 bathroom home offering comfort and functionality. This property features an RV gate with additional storage in the backyard. The front yard provides extra parking and open space, giving the home great curb appeal and flexibility. Inside, enjoy generous living areas ideal for family gatherings and entertaining. With no HOA, you have the freedom to truly

    Mari Mederos Camelback Executive Realtors

    10002 W Mariposa St, Phoenix, AZ 85037
  • /39

    $425,000

    • 3 Beds
    • 2 Baths
    • 1,281 Sq Ft

    9610 N 2nd St, Phoenix, AZ 85020

    Motivated Seller! Come see this charming classic home nestled in the vibrant heart of the city. This 2 bedroom, 1 bath residence (1,281 sq ft) with a separate 1 bed 1 bath guest suite (240 sq ft) on a spacious 6,557 sq ft lot, offers a comfortable layout and generous outdoor space with a newly refinished sparkling pool completed with new pool pump & paver patio. Built in 1946, this home combines

    Gina Corio My Home Group Real Estate

    9610 N 2nd St, Phoenix, AZ 85020
  • /31

    $464,900 New Construction

    • 5 Beds
    • 3 Baths
    • 2,093 Sq Ft

    3918 S 90th Ln, Tolleson, AZ 85353

    Discover this exceptional energy-efficient home that redefines modern living! Featuring a stunning floor plan that emphasizes spaciousness, this residence boasts elegant espresso cabinets with stylish hardware, granite countertops, and a blend of tile and warm gray carpet throughout. The upgraded rear landscaping includes a charming ramada, perfect for outdoor enjoyment. Conveniently located near

    Joshua Zuniga eXp Realty

    3918 S 90th Ln, Tolleson, AZ 85353
  • /33

    $499,999

    • 3 Beds
    • 2 Baths
    • 1,827 Sq Ft

    2499 W Lewis And Clark Trail, Phoenix, AZ 85086

    Welcome to 2499 W Lewis & Clark Trail in Anthem! This charming 3-bedroom, 2-bathroom residence features a versatile den that can easily serve as a 4th bedroom. Step inside to discover a beautifully updated kitchen and bathrooms, designed with modern finishes and functionality in mind. Enjoy newer windows throughout that enhance energy efficiency and bring in natural light. The spacious living

    Garrett Sessions REMAX SUMMIT PROPERTIES

    2499 W Lewis And Clark Trail, Phoenix, AZ 85086
  • /27

    $409,999

    • 3 Beds
    • 2 Baths
    • 1,014 Sq Ft

    3556 E Helena Dr, Phoenix, AZ 85032

    Beautifully remodeled single-story home featuring contemporary design throughout along with a BRAND NEW ROOF and WINDOWS. The kitchen showcases stainless steel appliances, two-tone shaker cabinetry, quartz countertops, tile backsplash and island with breakfast bar. Vinyl wood flooring paired with upgraded carpet creates a bright, open flow across the home. The bathrooms are thoughtfully updated

    Gina McClain AIG Realty LLC

    3556 E Helena Dr, Phoenix, AZ 85032
  • /37

    $500,000

    • 5 Beds
    • 2 Baths
    • 3,307 Sq Ft

    4629 N 111th Ln, Phoenix, AZ 85037

    Welcome home to this beautifully maintained 2-story residence offering3,307 sq. ft. of comfortable living space. The open floor plan features 5 bedrooms, 2.5 bathrooms, a family room and a separate game room - perfect for family living and entertaining. The well-appointed kitchen includes a center island and flows to the family room and dining areas. Enjoy outdoor living on the covered patio

    Christina Lozada Gentry Real Estate

    4629 N 111th Ln, Phoenix, AZ 85037
  • /49

    $475,000

    • 3 Beds
    • 2 Baths
    • 2,154 Sq Ft

    26752 N 66th Ln Unit 1, Phoenix, AZ 85083

    This is a fabulous lock and leave home tucked in between Westwing Mtn, Pyramid Peak and Ludden Mtn. Freshly painted in and out, new carpet installed, windows, screens and house professionally cleaned. Kitchen boasts beveled edge counter tops, raised panel cabinet doors, double-door pantry, breakfast room & living room adjacent. Formal dining room off kitchen. Spacious split primary bdrm has

    Linda Martin HomeSmart

    26752 N 66th Ln Unit 1, Phoenix, AZ 85083
  • /27

    $430,000

    • 4 Beds
    • 2 Baths
    • 1,859 Sq Ft

    3952 W Lupine Ave, Phoenix, AZ 85029

    OWNER AGENT Welcome to this 4-bedroom, 2-bath home with a private pool and no HOA! Featuring a newer roof and newer AC, this property offers comfort, peace of mind, and space to enjoy Arizona living. The inviting courtyard entry sets the tone as you enter the home, where you'll find spacious bedrooms, a cozy fireplace, and two sliding glass doors that open to the backyard, creating great

    Laurie Lawrence Property For You Realty

    3952 W Lupine Ave, Phoenix, AZ 85029
  • /38

    $485,500

    • 3 Beds
    • 2 Baths
    • 1,852 Sq Ft

    1747 E Northern Ave Unit 235, Phoenix, AZ 85020

    Nestled within the prestigious gated community of Canterra at Squaw Peak, this beautiful 3-bedroom, 2-bath condominium offers refined living with a 2-car garage. The open-concept floor plan is filled with abundant natural light and features an updated kitchen with quartz countertops, painted cabinetry, and stainless steel appliances. Both bathrooms have been tastefully renovated with modern

    Kelly Griffin Porter RE/MAX Fine Properties

    1747 E Northern Ave Unit 235, Phoenix, AZ 85020
  • /21

    $410,000

    • 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
  • /38

    $489,000

    • 3 Beds
    • 2 Baths
    • 1,203 Sq Ft

    1109 W Indian School Rd, Phoenix, AZ 85013

    This charming 3-bedroom, 2-bath home in Phoenix is now 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 spacious

    Adriana Wendler HomeSmart

    1109 W Indian School Rd, Phoenix, AZ 85013
  • /27

    $497,500

    • 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
  • /20

    $440,000

    • 3 Beds
    • 3 Baths
    • 2,090 Sq Ft

    35101 N 30th Ln, Phoenix, AZ 85086

    Welcome Home! Pride of ownership shows in this immaculate Tramonto home with storage galore. Open floor plan with formal living and dining, great room off kitchen with beautiful Maple cabinets. All 3 bedrooms and laundry room located upstairs. Two full baths located upstairs and one half bath on the first floor. Convenient location with easy access to freeway and shopping in a growing area. Ideal

    Rosanna Ringwald Decker and Associates Realty, LLC

    35101 N 30th Ln, Phoenix, AZ 85086
  • /60

    $404,000

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

    6816 S 70th Ave, Laveen, AZ 85339

    Welcome to 6816 S 70th Ave - Updated 4-Bedroom Home on a Corner Lot This spacious 4-bedroom, 2-bath home is located on a desirable corner lot with mature fruit trees and a lush backyard. Inside, enjoy modern wood-look tile flooring in the main living areas and carpet in the bedrooms. The split floorplan includes a generous primary suite with dual sinks, garden tub, separate shower, and walk-in

    Michelle Lloyd Realty ONE Group

    6816 S 70th Ave, Laveen, AZ 85339
  • /24

    $419,990 New Construction

    • 4 Beds
    • 3 Baths
    • 1,912 Sq Ft

    3645 S 98th Glen, Tolleson, AZ 85353

    As you enter the home, you’re greeted by two bedrooms with a shared bath. Continuing down the hall toward the main living area, you’ll pass an additional bedroom, a second full bath, the laundry room, and access to the two-car garage. The home then opens into a spacious kitchen, dining area, and family room, with a covered patio just off the family room. On the opposite side of the kitchen,

    Starlight Homes Builder
    3645 S 98th Glen, Tolleson, AZ 85353

Showing Results 121 - 160, Page 4 of 18

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