1,143

Pittsburgh, PA Homes for Sale under $500,000

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  • /49

    $369,900

    • 4 Beds
    • 3 Baths

    21 Ann Arbor Ave, Pittsburgh, PA 15229

    This stunning, fully remodeled all-brick 4-bedroom, 3-full-bath home is the perfect blend of timeless character and modern luxury. From the moment you step inside, you'll be captivated by the incredible original stained-glass windows, rich hardwood flooring, and architectural details that fill the home with warmth and charm. The show-stopping custom kitchen is truly the heart of the home,

    Holly Pflugh RE/MAX INFINITY

    21 Ann Arbor Ave, Pittsburgh, PA 15229
  • /36

    $275,000

    $21K PRICE DROP
    • 3 Beds
    • 2 Baths
    • 1,222 Sq Ft

    5043 Ozark Dr, Pittsburgh, PA 15239

    Stylish and Clean, Fully Updated Brick Ranch in Holiday Park with Gorgeous Kitchen, Exposed Brick Feature Walls with Crown Molding, Huge Finished, Walkout Basement/Gameroom, and Fully Fenced Back Yard with 5 Gates! Covered Entry with Beautiful Front Door Leads to an Open Concept Kitchen, Dining, and Living Room with Gorgeous Hardwood Floors. Large Windows on the Front and Back of the Home Pour

    Roxanne Humes COLDWELL BANKER REALTY

    5043 Ozark Dr, Pittsburgh, PA 15239
  • /50

    $485,500

    $30K PRICE DROP
    • 3 Beds
    • 2.5 Baths
    • 2,140 Sq Ft

    1 Monastery St, Pittsburgh, PA 15203

    !! New Roof being installed beginning of July!! In the city limits with incredible views, off-street parking, and a yard? Yes, it does exist at 1 Monastery Street in South Side Slopes. 3 bedrooms. 2.5 bathrooms. Open-concept first floor—perfect for entertaining. Did I say views? Well, you have 3 levels of views of Downtown Pittsburgh and the Monongahela River from the Owner's Suite, living room,

    Devin Eutsey COMPASS PENNSYLVANIA, LLC

    1 Monastery St, Pittsburgh, PA 15203
  • /41

    $385,000

    Open Sun 10AM - 12PM
    • 4 Beds
    • 2.5 Baths
    • 2,480 Sq Ft

    405 Maplevale Dr, Pittsburgh, PA 15236

    Step into a home where space, style, and everyday comfort come together. This impeccably maintained 4-bedroom, 2.5-bath home in the heart of Pleasant Hills, just around the corner from Mowry Park, offers timeless mid-century architecture paired with the modern updates today's buyers are looking for.From the moment you arrive, you'll appreciate the home's distinctive curb appeal and clean

    Danitza Nicklow BERKSHIRE HATHAWAY THE PREFERRED REALTY

    405 Maplevale Dr, Pittsburgh, PA 15236
  • /43

    $255,000

    $20K PRICE DROP
    • 3 Beds
    • 1.5 Baths
    • 1,452 Sq Ft

    1107 Girard Rd, Pittsburgh, PA 15227

    Nestled between Brentwood Town Square, South Hills Country club, and Baldwin High school, this 3-bedroom brick home is charming and well-maintained with all the features you've been looking for! Notice the newly expanded concrete driveway, and 1 car integral garage, making parking a cinch for everyone. Front door opens to a tiled entryway with room to drop your things and make yourself at home.

    Alexandria Wagoner RE/MAX SELECT REALTY

    1107 Girard Rd, Pittsburgh, PA 15227
  • /34

    $280,000

    • 2 Beds
    • 2 Baths
    • 1,344 Sq Ft

    343 Vanadium Rd, Pittsburgh, PA 15243

    Welcome to this beautifully maintained all-brick 2-story home in the heart of Scott Township! Situated on a gorgeous, level lot, this 2-bedroom, 2-full-bath home offers the perfect blend of classic charm, functional living space, and exceptional storage. The inviting floor plan features a spacious family room with newer sliding glass doors that lead to a beautiful deck—perfect for morning coffee,

    Scott Schramm HOWARD HANNA REAL ESTATE SERVICES

    343 Vanadium Rd, Pittsburgh, PA 15243
  • /17

    $299,000

    • 3 Beds
    • 1.5 Baths
    • 1,395 Sq Ft

    232 57th St, Pittsburgh, PA 15201

    Welcome to this beautifully renovated home in the heart of Upper Lawrenceville. Completely updated from top to bottom, this move-in-ready residence features new flooring, a stunning kitchen, updated bathrooms, and extensive upgrades throughout. The bright, open-concept main level is filled with natural light and showcases fresh neutral finishes, creating a warm and inviting atmosphere. The

    Cye Murphy REALTY ONE GROUP LANDMARK

    232 57th St, Pittsburgh, PA 15201
  • /42

    $280,000

    • 3 Beds
    • 2 Baths
    • 1,992 Sq Ft

    325 N Balph Ave, Pittsburgh, PA 15202

    Welcome home to 325 N Balph * North Hills School District * 3 Bedrooms and 2 Full Bathrooms * Charming covered front porch * Beautifully maintained throughout and move in ready * Step into the impressive entry showcasing the gorgeous redone original hardwood floors and stairway to second floor * Spacious living room in front of home boasts large picture window for loads of natural light and

    Elizabeth Ejzak COLDWELL BANKER REALTY

    325 N Balph Ave, Pittsburgh, PA 15202
  • /30

    $330,000

    Open Sun 11AM - 1PM
    • 4 Beds
    • 2.5 Baths
    • 1,836 Sq Ft

    261 Shasta Dr, Pittsburgh, PA 15239

    Welcome to 261 Shasta Drive, a charming two-story Colonial nestled in a quiet, established neighborhood in Plum. This spacious 4-bedroom, 2.5-bath home offers approximately 1,836 square feet of comfortable living space on a beautiful quarter-acre lot.Step inside to discover generous living areas designed for both everyday living and entertaining. The inviting living room features a cozy

    Shawn McGregor COLDWELL BANKER REALTY

    261 Shasta Dr, Pittsburgh, PA 15239
  • /24

    $302,000

    • 4 Beds
    • 2 Baths
    • 1,748 Sq Ft

    20 Millbridge St, Pittsburgh, PA 15210

    One or more photo(s) was virtually staged.Welcome to 20 Millbridge Street, a beautifully renovated 4-bedroom, 2-full-bath home in Pittsburgh’s Allentown neighborhood. This property has been completely updated from top to bottom, featuring a new roof in 2025, all-new 200-amp electric service, brand-new windows, new HVAC system with central air, hardwood flooring, LED lighting, and modern

    Victoria Murray EXP REALTY LLC

    20 Millbridge St, Pittsburgh, PA 15210
  • /2

    $235,000

    • 3 Beds
    • 1 Bath
    • 1,260 Sq Ft

    1606 Chislett St, Pittsburgh, PA 15206

    Opportunity to be in a sought after neighborhood and create your own space. Features such as hardwood floors, 3 bedrooms,1 bath, front porch, flat rear yard, off street parking in the rear, and lots of windows. Large living and dining rooms. Kitchen has access to the yard.

    Stephanie Veenis HOWARD HANNA REAL ESTATE SERVICES

    1606 Chislett St, Pittsburgh, PA 15206
  • /31

    $269,000

    $11K PRICE DROP

    10 N Bryant Ave, Pittsburgh, PA 15202

    Turnkey duplex in the heart of Bellevue just steps from Lincoln Ave shops, restaurants, and public transit. This well-maintained 2,244 sq ft property features two spacious units: a 1 bedroom / 1 bath on the main level and a 3 bedroom / 1 bath on the upper level. Both units are updated, clean, and tenant-occupied with strong rental history. Gas and electric are separated. Off-street parking pad in

    Justin Riapos LIFESPACE REAL ESTATE

    10 N Bryant Ave, Pittsburgh, PA 15202
  • /43

    $345,000

    Open Sun 1PM - 3PM
    • 3 Beds
    • 2.5 Baths
    • 2,120 Sq Ft

    645 Carnival Dr, Pittsburgh, PA 15239

    Welcome to this beautifully updated split-level home in the heart of Plum! Offering over 2,100 square feet of thoughtfully designed living space, this 3-bedroom, 2 full bath, 1 half bath home combines modern updates with timeless character in a way that truly stands out. From the moment you step inside, you'll appreciate the abundance of natural light and the seamless flow that makes this home

    Jerome Yoders COLDWELL BANKER REALTY

    645 Carnival Dr, Pittsburgh, PA 15239
  • /45

    $289,900

    • 2 Beds
    • 2.5 Baths
    • 2,491 Sq Ft

    112 Washington Place Unit 18A, Pittsburgh, PA 15219

    Absolutely stunning with its immense size and breathtaking views, this condo overlooks PPG Paints Arena, Duquesne University, the Monongahela River, and Downtown Pittsburgh. The secure building features a doorman to welcome your guests. Double doors adorned with charming flower-shaped knobs open to an elegant entryway. The kitchen boasts new laminate flooring, white cabinets, and granite

    Hope Feldman YOUR TOWN REALTY LLC

    112 Washington Place Unit 18A, Pittsburgh, PA 15219
  • /31

    $339,000

    • 3 Beds
    • 1.5 Baths
    • 1,816 Sq Ft

    204 E Jefferson St, Pittsburgh, PA 15212

    Welcome home to this updated 3-bedroom home located in Central Northside! Ideally located just minutes from local restaurants, coffee shops, Allegheny General Hospital, sports arenas, museums, and everything Downtown Pittsburgh has to offer. Step inside and immediately notice the recent updates. The spacious living room is filled with natural light, offers incredible city views, and flows

    Kristi Stebler BERKSHIRE HATHAWAY THE PREFERRED REALTY

    204 E Jefferson St, Pittsburgh, PA 15212
  • /43

    $226,000

    $24K PRICE DROP

    705 E Warrington Ave, Pittsburgh, PA 15210

    Retail first floor and residential apartment above it. Separate entrance for each unit. Main floor has a an open lobby area, private office space, then a half wall dividing off another room that could be turned into more offices. Fenced yard space with 1 off street parking spot. Room to expand the building or parking if wanted. Residential unit is a 2 bedroom, 1 bath with spacious kitchen. Main

    Joey Booker REALTY CO LLC

    705 E Warrington Ave, Pittsburgh, PA 15210
  • /29

    $435,000

    $15K PRICE DROP
    • 2 Beds
    • 1 Bath
    • 1,072 Sq Ft

    2434 Smallman St Unit 416, Pittsburgh, PA 15222

    Experience urban living in this stylish 2-bedroom condo in the historic Otto Milk building, complete with 3 deeded parking spaces. Soaring ceilings, exposed ductwork, and open-concept living capture the Strip District’s modern-industrial vibe. The kitchen features stainless steel appliances, granite countertops, and a breakfast bar, flowing seamlessly to the living and dining areas with a

    Brian Larson HOWARD HANNA REAL ESTATE SERVICES

    2434 Smallman St Unit 416, Pittsburgh, PA 15222
  • /2

    $265,000

    1305 Methyl St, Pittsburgh, PA 15216

    Duplex in Beechview ready for it's next investor. Live in one side and rent the other out.

    Michelle Turcan CORE MANAGEMENT TEAM LLC

    1305 Methyl St, Pittsburgh, PA 15216
  • /46

    $305,000

    Open Sun 1PM - 3PM $25K PRICE DROP
    • 3 Beds
    • 2 Baths
    • 2,002 Sq Ft

    513 Grace St, Pittsburgh, PA 15211

    Welcome to this spacious, fully furnished, remodeled 3-bedroom, 2 full bath home located in the heart of Mt. Washington. Enjoy the convenience of being close to the bus line and a nearby grocery store. Set on a wonderful, large lot, the property offers a side outdoor living patio ideal for entertaining, along with a 2-car concrete parking pad. A covered front porch welcomes you inside, where

    Lisa Schmigel CENTURY 21 FRONTIER REALTY

    513 Grace St, Pittsburgh, PA 15211
  • /20

    $249,900

    • 1 Bed
    • 1 Bath
    • 986 Sq Ft

    425 N Neville St Unit 103, Pittsburgh, PA 15213

    Situated in a quiet residential setting while still being close to everything, located on the border of Oakland and Shadyside! Rare opportunity to purchase a spacious one bedroom, one bath condominium just a few minutes walk from public transport, Pitt, CMU, UPMC hospitals, museums, restaurants, and anything else you could need. Included with the unit is one indoor garage parking spot and an

    Charleen Midlik YOUR TOWN REALTY LLC

    425 N Neville St Unit 103, Pittsburgh, PA 15213
  • /25

    $235,000

    • 3 Beds
    • 2 Baths
    • 1,424 Sq Ft

    2216 Palm Beach Ave, Pittsburgh, PA 15216

    Welcome home to this move-in-ready gem featuring a bright, open floor plan designed for comfortable living and entertaining. The spacious living area is highlighted by a center fireplace, creating a warm and inviting focal point. The kitchen offers an abundance of cabinetry, providing exceptional storage and workspace for the home chef. Upstairs, you'll find two generously sized bedrooms with

    Susan Ulam COLDWELL BANKER REALTY

    2216 Palm Beach Ave, Pittsburgh, PA 15216
  • /31

    $289,999

    New Construction
    • 3 Beds
    • 2.5 Baths
    • 2,000 Sq Ft

    123 Bella Vista Dr, Pittsburgh, PA 15236

    Welcome to Phase 2 in the Tuscany Ridge Community. New construction in Baldwin Borough. These townhomes feature 3 bedrooms, 2.5 bathrooms, open-concept living, finished basements, and much more. You have the opportunity to select your own finishes and upgrades for a limited time. Photos are of model home.

    Gabrielle Stadelman RE/MAX SELECT REALTY

    123 Bella Vista Dr, Pittsburgh, PA 15236
  • /30

    $450,000

    $25K PRICE DROP

    6317 Saint Marie St, Pittsburgh, PA 15206

    Fully occupied and renovated triplex available in Highland Park! Beautiful units with a ton of character high end finishes in each one units. Laundry facilities on the first floor and off street parking in the rear of the building. Perfect addition to your rental portfolio or to live in one unit and rent out the other.

    Liam Tennies DEACON & HOOVER REAL ESTATE ADVISORS LLC

    6317 Saint Marie St, Pittsburgh, PA 15206
  • /25

    $229,000

    $36K PRICE DROP
    • 3 Beds
    • 2 Baths
    • 1,420 Sq Ft

    253 Southern Ave, Pittsburgh, PA 15211

    Welcome Home To 253 Southern Avenue! This Colonial-Style Home Is In A Prime Location In Pittsburgh’s Popular Mt. Washington Neighborhood. You Are Just Minutes From The Iconic Overlooks, Local Restaurants, Coffee Shops, And The Inclines, Offering Quick Access To Downtown Pittsburgh. Inside, The Living And Dining Areas Feature Generous Room Sizes And Large Windows That Fill The Space With Natural

    Giovanni Fedele KELLER WILLIAMS STEEL CITY

    253 Southern Ave, Pittsburgh, PA 15211
  • /38

    $350,000

    • 3 Beds
    • 3 Baths
    • 1,336 Sq Ft

    67 Ridge Rd, Pittsburgh, PA 15221

    Move-in ready! This beautifully updated 3-bedroom, 3-bath home features a brand-new kitchen, stylish baths, and gleaming hardwoods.The finished basement offers flexible space for a game room, gym, or office.Enjoy mornings in the large sunporch or entertain in the expansive backyard oasis.Off-street parking adds everyday convenience.With three full baths and

    Jordana Zober KELLER WILLIAMS REALTY

    67 Ridge Rd, Pittsburgh, PA 15221
  • /44

    $469,900

    • 3 Beds
    • 2 Baths
    • 1,590 Sq Ft

    3451 Penn Ave, Pittsburgh, PA 15201

    City living meets everyday comfort in this move-in ready four-level townhome, offering the space you need and the location you've been searching for. Whether you're entertaining friends, working from home, or spending weekends exploring some of Pittsburgh's most vibrant neighborhoods, this home delivers the perfect balance of style, function, and convenience. Natural light pours into the spacious

    Kelly Hribal REALTY CO LLC

    3451 Penn Ave, Pittsburgh, PA 15201
  • /46

    $265,000

    • 2 Beds
    • 2 Baths
    • 1,130 Sq Ft

    1817 Wharton St, Pittsburgh, PA 15203

    Welcome to 1817 Wharton Street—where city convenience meets your own private outdoor escape.This move-in-ready South Side home puts you in the heart of one of Pittsburgh's most walkable neighborhoods. Restaurants, coffee shops, breweries, fitness studios, shopping, nightlife, and everyday essentials are all just steps away. Grocery shopping is only a couple blocks from your front door, while

    Danitza Nicklow BERKSHIRE HATHAWAY THE PREFERRED REALTY

    1817 Wharton St, Pittsburgh, PA 15203
  • /39

    $274,900

    $25K PRICE DROP

    606 Middle St, Pittsburgh, PA 15212

    Great opportunity in Central North Side! This up/down duplex is perfect for an Investor or owner occupant looking to house hack! The first floor is currently vacant and is ready for your personal touches! It features two bedroom, one bathroom and access to the basement! The second unit is occupied and features three bedroom and one bathroom! Centrally located! Close to shopping and transportation!

    Libby Sosinski KELLER WILLIAMS REALTY

    606 Middle St, Pittsburgh, PA 15212
  • /30

    $348,750

    • 2 Beds
    • 1 Bath
    • 1,007 Sq Ft

    5850 Centre Ave Unit 602, Pittsburgh, PA 15206

    Industrial-chic style meets modern comfort in this distinctive 2-bedroom, 1-bath loft condo in the heart of Shadyside. Brimming with character, this end-unit features soaring ceilings, exposed brick walls, and a dramatic wall of windows that floods the space with natural light while showcasing beautiful views. The thoughtfully renovated kitchen offers stainless steel appliances, quartz

    Julie Hirshman RE/MAX SELECT REALTY

    5850 Centre Ave Unit 602, Pittsburgh, PA 15206
  • /25

    $399,550

    Open Sun 12PM - 2PM
    • 4 Beds
    • 3.5 Baths
    • 2,500 Sq Ft

    222 Fisk Ave, Pittsburgh, PA 15202

    Located in Avalon, just minutes from downtown Pittsburgh, Bellevue, Sewickley, and I-79, this fully renovated 4-bedroom, 4-bath home blends modern design with peace of mind. Featuring 10-foot ceilings, a sleek updated kitchen, and a true primary suite, every detail has been thoughtfully finished. Behind the walls, all the work has been done—new electrical, plumbing, HVAC, windows, and

    Gregory Behling RIVER POINT REALTY, LLC

    222 Fisk Ave, Pittsburgh, PA 15202
  • /31

    $279,999

    • 6 Beds
    • 3 Baths
    • 1,944 Sq Ft

    1716 Middle St, Pittsburgh, PA 15215

    Welcome to 1716 Middle Rd—A Home Filled With Character and Craftsmanship. This beautifully detailed residence offers original architectural features including high ceilings, bay projection, stained-glass windows, chandeliers, multiple pocket doors, and an impressive staircase with finely crafted banisters extending to the third floor. The oversized living room provides exceptional space for

    Roy Rudl BERKSHIRE HATHAWAY THE PREFERRED REALTY

    1716 Middle St, Pittsburgh, PA 15215
  • /30

    $389,634

    $10K PRICE DROP
    • 5 Beds
    • 5 Baths
    • 3,200 Sq Ft

    9925 Grandview Ave, Pittsburgh, PA 15235

    Ever watch the show, "Extreme Makeover: Home Edition"? Did you know they did a home in the Pittsburgh area? Guess what, this is it!!! Now is your chance to live in an Extreme Makeover home! Almost 2,700 square feet & I can tell you, it feels like it. From the 9' high ceilings to the 22 foot wide living room to the TWO, finished basements! A brand new house built for this current & only owner with

    Brian Teyssier RE/MAX REAL ESTATE SOLUTIONS

    9925 Grandview Ave, Pittsburgh, PA 15235
  • /24

    $349,900

    $25K PRICE DROP
    • 3 Beds
    • 1.5 Baths
    • 1,476 Sq Ft

    4068 Howley St, Pittsburgh, PA 15224

    Welcome to 4068 Howley Street, a home that radiates classic Pittsburgh charm. Exposed beams and brick set the tone the moment you step inside. The spacious eat in kitchen features stunning Quartzite countertops, striking lighting, and SS appliances — a perfect blend of style and function. Modern laminate flooring flows throughout the entire home, both elegant and convenient! The living room is

    Michaela Smith BERKSHIRE HATHAWAY THE PREFERRED REALTY

    4068 Howley St, Pittsburgh, PA 15224
  • /18

    $275,000

    $25K PRICE DROP
    • 3 Beds
    • 2 Baths
    • 1,061 Sq Ft

    1907 Larkins Way, Pittsburgh, PA 15203

    This amazing 3 bedroom 2 full bath in the heart of SouthSide is waiting for you! Larkins Way offers a quiet street with a private back space to enjoy nice warm nights! Finished basement bar great for entertaining. Walking distance to many shops, stores and restaurants. This house also offers quick access to major roadways for convenience. The house is currently rented as a short term renal.

    Alexandra Bradley HOWARD HANNA REAL ESTATE SERVICES

    1907 Larkins Way, Pittsburgh, PA 15203
  • /50

    $285,000

    $15K PRICE DROP
    • 6 Beds
    • 4 Baths
    • 2,505 Sq Ft

    236 Kennedy Ave, Pittsburgh, PA 15214

    Step into the charm and character of this spacious move-in ready Victorian home featuring 6 bedrooms, 4 bathrooms, and beautiful original woodwork throughout. With generous room sizes, high ceilings, and timeless architectural details, this home offers the perfect blend of historic character and everyday comfort. Currently configured as a single-family residence, the expansive layout provides

    Emilianne Markley BERKSHIRE HATHAWAY THE PREFERRED REALTY

    236 Kennedy Ave, Pittsburgh, PA 15214
  • /37

    $255,000

    $10K PRICE DROP
    • 3 Beds
    • 1 Bath
    • 1,344 Sq Ft

    2710 Philadelphia Ave, Pittsburgh, PA 15216

    Classic Dormont Charm with Space, Character & Incredible Outdoor Living!Welcome to 2710 Philadelphia Ave, a timeless 1925 brick beauty that perfectly blends original character with everyday functionality, all in one of Dormont’s most walkable and convenient locations. From the moment you arrive, the covered front porch with iconic green awnings sets the tone; a perfect spot for morning coffee

    Alex Giannetti RE/MAX SELECT REALTY

    2710 Philadelphia Ave, Pittsburgh, PA 15216
  • /44

    $229,900

    $20K PRICE DROP
    • 3 Beds
    • 1.5 Baths

    1010 Woods Run Ave, Pittsburgh, PA 15212

    Spacious 3-bedroom, 1.5-bath home offering comfort and potential! This property features generously sized living spaces, a functional layout, and a large detached garage with plenty of room for parking, storage, or a workshop. The home provides a great opportunity for everyday living or adding your personal touches. Conveniently located and full of possibilities, this property is ready to welcome

    Adam Slivka CENTURY 21 FAIRWAYS REAL ESTATE

    1010 Woods Run Ave, Pittsburgh, PA 15212
  • /18

    $309,900

    $15K PRICE DROP
    • 3 Beds
    • 3 Baths
    • 2,075 Sq Ft

    7674 Saltsburg Rd, Pittsburgh, PA 15239

    Large Family Room, Updated Appliances, Big great backyard,

    Adnan Iye HOWARD HANNA REAL ESTATE SERVICES

    7674 Saltsburg Rd, Pittsburgh, PA 15239
  • /26

    $200,000

    • 2 Beds
    • 1.5 Baths
    • 1,400 Sq Ft

    59 S 14th St, Pittsburgh, PA 15203

    Welcome to 59 S 14th st, perfectly located in the heart of Pittsburgh's vibrant South Side Flats. This charming home offers the perfect blend of historic character, everyday functionality and city living. The main floor offers a spacious and open layout, with the living room featuring one of the two fireplaces, the open concept kitchen and dining room and a very convenient half bath. Making your

    Michael Reed COLDWELL BANKER REALTY

    59 S 14th St, Pittsburgh, PA 15203
  • /25

    $259,900

    • 2 Beds
    • 2 Baths
    • 875 Sq Ft

    279 Olympic Rd, Pittsburgh, PA 15236

    Discover the perfect blend of classic charm and modern luxury in this stunning fully renovated brick ranch! This beautiful 2-bedroom, 2-bathroom home offers effortless single-level living with incredible updates throughout. Step inside to find a completely refreshed interior featuring a gourmet kitchen with new cabinetry and sleek countertops. Both bathrooms have been tastefully updated with

    Kathy Armstrong KELLER WILLIAMS REALTY

    279 Olympic Rd, Pittsburgh, PA 15236

Showing Results 481 - 520, Page 13 of 18

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