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Saint George, UT 1-Story Homes for Sale

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  • /20

    $669,900

    • 3 Beds
    • 3 Baths
    • 2,549 Sq Ft

    6103 S Half Dome Ln, Saint George, UT 84790

    This is a beautiful home in a great location. It features LVP flooring, quartz counters, and a Smart home kit with fiber optic internet, a WIFI router, a programable thermostat, and a keyless front door lock. The home also has 10-foot ceilings, soft-close drawers and cupboards, a 23-foot backyard, and 18-foot side parking. Call for more details.

    SHAE LEONARD S & S REALTY SOLUTIONS LLC

    6103 S Half Dome Ln, Saint George, UT 84790
  • /33

    $819,900

    • 3 Beds
    • 3 Baths
    • 2,286 Sq Ft

    416 Sesia Way, St. George, UT 84770

    COMPLETED NEW CONSTRUCTION! Nestled above Sunbrook golf course, and just minutes from I-15, this home has it all: It's centrally located, backs up to BLM land, has privacy, lovely views, and a 36 ft RV garage. A combination of Pure White painted, and natural knotty alder cabinets, gorgeous granite countertops, a white single-bowl composite sink, and GE Cafe appliances enhance the kitchen. The

    ALISA HUSER S & S REALTY SOLUTIONS LLC

    416 Sesia Way, St. George, UT 84770
  • /110

    $739,000

    • 4 Beds
    • 3 Baths
    • 2,222 Sq Ft

    1667 W 5745 N, Saint George, UT 84770

    POOL, DETACHED CASITA/POOL HOUSE, SOLAR PANNELS - Seller paid over $60,000 for solar system it's included with home! SEPERATE GARAGE/WORKSHOP plus attached garage, carport and a large motorhome enclosure. Full acre zoned for animals. Dual driveways down both sides of property, fully fenced , great property with lots of parking! 4 bed, 3 bath, including casita and great views, you just have to

    CAROLYN NORTON REALTYPATH (FIDELITY ST GEORGE)

    1667 W 5745 N, Saint George, UT 84770
  • /39

    $265,000

    • 6 Beds
    • 4 Baths
    • 4,688 Sq Ft

    6026 S Zen Trail Way, Saint George, UT 84790

    Your piece of paradise awaits you. This is the new and better way to own a vacation home. Offered at a 1/8th Ownership Share, this custom and professionally designed home will check off all of your boxes! Our Zen Trail home will take you to the peace and serenity you deserve. Fully furnished and turn-key, this home is also professionally managed for a seamless vacation experience. Spend 6.5 weeks

    NICOLAS BARBER EMBER REAL ESTATE GROUP

    6026 S Zen Trail Way, Saint George, UT 84790
  • /21

    $399,900

    • 2 Beds
    • 2 Baths
    • 1,264 Sq Ft

    1839 W Canyon View Dr Unit 103, Saint George, UT 84770

    ***Seller financing***MUST SEE Beautiful St. George condo, newly updated, short term Vacation rental approved! Five star rated on Airbnb and VRBO! This can be a self-manage property. Short walk to the pool/spa, restaurants, shopping and freeway access super close! This is a fully established Vacation Rental, all furniture is included in the sale! HOA covers pool, common area and exterior

    Miranda Jones Equity Real Estate (Advantage)

    1839 W Canyon View Dr Unit 103, Saint George, UT 84770
  • /44

    $699,999

    • 4 Beds
    • 3 Baths
    • 3,206 Sq Ft

    5805 N 1400 W, Saint George, UT 84770

    Incredible views, easy access to whole acre being a corner lot, and good price per sq ft! This has a full walkout basement with bonus room for dance studio, weight room, office or?, 2 car garage. Kitchenette in basement, could be nice mother-in-law apt. Flooring allowance for master bedroom. Bring your horses, build a shop, or ? Enjoy the peace and quiet watching the views from your covered

    CAROLYN NORTON REALTYPATH (FIDELITY ST GEORGE)

    5805 N 1400 W, Saint George, UT 84770
  • /40

    $735,000

    • 4 Beds
    • 3 Baths
    • 2,683 Sq Ft

    6163 Deserts Edge Dr, St. George, UT 84790

    Discover luxury living at its finest in this splendid custom home which boasts a spacious open floor plan, seamlessly integrating the living, dining, and kitchen areas for effortless entertaining. This immaculate home features a gourmet, top-of-the-line kitchen with sleek countertops, beautiful cabinetry and ample storage. A highlight is the serene backyard oasis, complete with a covered patio

    Curt Allred ERA Realty Center

    6163 Deserts Edge Dr, St. George, UT 84790
  • /31

    $419,000

    • 3 Beds
    • 2 Baths
    • 1,092 Sq Ft

    1845 W Canyon View Dr Unit 1643, St. George, UT 84770

    Amazing Views! 3 bedroom nightly rental property in Las Palmas! Recently renovated. Spacious layout provides plenty of room for gathering and entertaining. Unmatched views of Valley & Mountains as well as the community pool. Las Palmas resort offers 6 pools, hots tubs, splash pad, clubhouse, pickle ball, tennis and basketball courts, playground areas and more! This condo is the perfect family

    Ryan Kramer RE/MAX ASSOCIATES ST GEORGE

    1845 W Canyon View Dr Unit 1643, St. George, UT 84770
  • /42

    $799,999

    • 4 Beds
    • 3 Baths
    • 2,876 Sq Ft

    3385 S Marblewood Dr, Saint George, UT 84790

    Amazing single level split floor plan with 4 bedrooms and an office. Beautiful kitchen and spacious living room area with large dining area and tall ceilings in great room. Full landscaping with block walls and gates. Large master bedroom has spacious sitting room attached, walk in closet so big you can fit all your stuff and a split vanity in master suite. Security System installed. Easy

    BLAKE BOULTER- BOULTER TEAM KW SG KELLER WILLIAMS SUCCESS

    3385 S Marblewood Dr, Saint George, UT 84790
  • /37

    $230,000

    • 2 Beds
    • 2 Baths
    • 1,500 Sq Ft

    1360 N Dixie Downs Rd Unit 5, Saint George, UT 84770

    Come check out this beautiful manufactured 2 bed, 2 bath home. You will be delighted with the spacious rooms & cleanliness. The stove is one month old, the AC is 6 1/2 years old, water heater 1 1/2 years old, carpet & back bathroom floor are one year old. The patio & setting porch are lovely with grow boxes on the patio. There are two spacious sheds for storage or wood working. This is a must

    Vicky Wiley Realty Absolute

    1360 N Dixie Downs Rd Unit 5, Saint George, UT 84770
  • /37

    $374,900

    • 2 Beds
    • 1 Bath
    • 840 Sq Ft

    1845 W Canyon Dr Unit 304, St. George, UT 84770

    This ground-floor unit offers comfort fused with nature's splendor. The glass doors seamlessly connect the interior living to a patio where breathtaking panoramic views unfold. With an airy layout, well-appointed kitchen, and serene bedrooms, it's a tranquil retreat. Amenities like a pool and spa enhance the lifestyle. Experience luxury living that embraces nature's beauty in every detail. Ideal

    REBECCA BUNDY KW St George Keller Williams Realty (Success)

    1845 W Canyon Dr Unit 304, St. George, UT 84770
  • /38

    $374,900

    • 2 Beds
    • 1 Bath
    • 840 Sq Ft

    1845 W Canyon View Dr Unit 304, Saint George, UT 84770

    This ground-floor unit offers comfort fused with nature's splendor. The glass doors seamlessly connect the interior living to a patio where breathtaking panoramic views unfold. With an airy layout, well-appointed kitchen, and serene bedrooms, it's a tranquil retreat. Amenities like a pool and spa enhance the lifestyle. Experience luxury living that embraces nature's beauty in every detail. Ideal

    REBECCA BUNDY KW SG KELLER WILLIAMS SUCCESS

    1845 W Canyon View Dr Unit 304, Saint George, UT 84770
  • /9

    $599,900

    • 3 Beds
    • 2 Baths
    • 1,810 Sq Ft

    0 Ridge Unit 25-260902, Saint George, UT 84770

    Don't miss this incredible opportunity in Rosalia Ridge! Featuring all of our high-quality standard features like 2x6 construction, R50 ceiling & R19 wall insulation, 9ft ceilings, 8 ft doors, granite countertops, just to name a few! This Bluemont floorplan designed for comfort and style. Enjoy a nice backyard, complete with rear and side block walls for privacy. Plus, you'll be just steps from

    Sue Gatchell Real Broker, LLC

    0 Ridge Unit 25-260902, Saint George, UT 84770
  • /14

    $699,900

    • 4 Beds
    • 4 Baths
    • 2,399 Sq Ft

    0 Ridge Unit 25-260477, Saint George, UT 84770

    Discover the exceptional Cordova BUNKROOM floorplan- Boasting a total of 4 bedrooms, 2 family rooms and 3.5 baths, this home is designed for function and comfort. PRIMARY SUITE AND 2ND ENSUITE which is such a great function! Special highlights include 2x6 construction, R50 ceiling & R19 wall insulation, an 11' entry, 9' ceilings, and 8' doors. the kitchen has large island, stunning appliances &

    Sue Gatchell Real Broker, LLC

    0 Ridge Unit 25-260477, Saint George, UT 84770
  • /18

    $395,000

    • 2 Beds
    • 2 Baths
    • 1,414 Sq Ft

    875 Rio Virgin Dr Unit 210, St. George, UT 84790

    JARVIS GREENE RED ROCK REAL ESTATE

    875 Rio Virgin Dr Unit 210, St. George, UT 84790
  • /67

    $550,000

    • 3 Beds
    • 2 Baths
    • 2,039 Sq Ft

    2336 Kaibab Cir, Saint George, UT 84790

    Aurora Serrano KW St George Keller Williams Realty (Success)

    2336 Kaibab Cir, Saint George, UT 84790
  • /23

    $269,000

    • 2 Beds
    • 1 Bath
    • 868 Sq Ft

    1075 N 1400 W Unit 52, St. George, UT 84770

    Becky Tuttle V Real Estate Agency, LLC

    1075 N 1400 W Unit 52, St. George, UT 84770
  • /35

    $550,000

    • 3 Beds
    • 3 Baths
    • 2,033 Sq Ft

    592 Ridge Rim Way, Saint George, UT 84770

    K'LYNNE PATTERSON Fathom Realty (St George)

    592 Ridge Rim Way, Saint George, UT 84770
  • /8

    $547,500 New Construction

    • 3 Beds
    • 2 Baths
    • 1,758 Sq Ft

    81 Dakar Ln, St. George, UT 84790

    Brand new Ivory Home currently being built in popular Avenidas at Hidden Valley. This home features 3 bedrooms, 2 bathrooms, and a 2 car garage. Many upgrades through out home. Check out our preferred lender incentives.HOA dues include full yard landscaping and community pool.

    Jair Almaraz IVORY HOMES LTD SO UTAH

    81 Dakar Ln, St. George, UT 84790
  • /10

    $794,990 New Construction

    • 4 Beds
    • 3 Baths
    • 2,540 Sq Ft

    546 S Cecita Way, Saint George, UT 84770

    Introducing Lennar's debut subdivision in Southern Utah - La Spazio at Divario. Come experience their sought-after Annabelle plan featuring a ''Next Gen'' accessory dwelling unit. Lennar is known for their promise of ''Everything's Included.'' This quick move-in home comes complete with Energy Star appliances through-out, including washer/dryer in main home as well as stackable unit in the ''Next

    Emily Blossom ENGEL & VOLKERS ST GEORGE

    546 S Cecita Way, Saint George, UT 84770
  • /10

    $815,490 New Construction

    • 4 Beds
    • 3 Baths
    • 2,540 Sq Ft

    599 S Ernesto Grotto Way, Saint George, UT 84770

    Introducing Lennar's debut subdivision in Southern Utah - La Spazio at Divario. Come experience their sought-after Annabelle plan featuring a ''Next Gen'' accessory dwelling unit. Lennar is known for their promise of ''Everything's Included.'' This quick move-in home comes complete with Energy Star appliances through-out, including washer/dryer in main home as well as stackable unit in the ''Next

    Emily Blossom ENGEL & VOLKERS ST GEORGE

    599 S Ernesto Grotto Way, Saint George, UT 84770
  • /18

    $887,900 New Construction

    • 4 Beds
    • 4 Baths
    • 2,776 Sq Ft

    3069 Platani Trail, St. George, UT 84770

    Beautiful view of Pine Mountain from the great room! Single level living! 33.3 ft RV garage! Stunning quartz countertops, painted cabinets with a large knotty alder island, and GE CAFE appliances enhance the Kitchen. This home has it all. Upgrades throughout. Close to commercial retail and office professional parks; enjoy the conveniences of an urban development yet the lifestyle of a more

    ALISA HUSER S & S REALTY SOLUTIONS LLC

    3069 Platani Trail, St. George, UT 84770
  • /51

    $3,750,000 Open Sat 3:30PM - 7:30PM

    • 4 Beds
    • 4.5 Baths
    • 4,748 Sq Ft

    2643 W Mesa Trails Way Unit Lot 106, Santa Clara, UT 84765

    Set among the striking basalt rock formations at the base of Snow Canyon, Chaco South 106 is a thoughtfully crafted contemporary retreat that blends architectural elegance with natural beauty. Framed by dramatic red rock vistas and southern exposures, this luxury residence invites the outdoors in through expansive custom windows and a seamless indoor-outdoor layout. The north-facing backyard is a

    DUSTY WRIGHT - THE WRIGHT TEAM KW St George Keller Williams Realty (Success 2)

    2643 W Mesa Trails Way Unit Lot 106, Santa Clara, UT 84765
  • /51

    $3,750,000 Open Sat 3:30PM - 7:30PM

    • 4 Beds
    • 5 Baths
    • 4,748 Sq Ft

    2643 W Mesa Trails Way, Santa Clara, UT 84765

    Set among the striking basalt rock formations at the base of Snow Canyon, Chaco South 106 is a thoughtfully crafted contemporary retreat that blends architectural elegance with natural beauty. Framed by dramatic red rock vistas and southern exposures, this luxury residence invites the outdoors in through expansive custom windows and a seamless indoor-outdoor layout. The north-facing backyard is a

    DUSTY WRIGHT - THE WRIGHT TEAM KW SG KELLER WILLIAMS SUCCESS 2

    2643 W Mesa Trails Way, Santa Clara, UT 84765
  • /11

    $739,900 New Construction

    • 4 Beds
    • 4 Baths
    • 2,272 Sq Ft

    0 Lot 21 Rosalia Ridge Unit 25-260473, Saint George, UT 84770

    Discover the perfect blend of comfort and functionality in our Cordova floorplan! This spacious 4-bedroom home, featuring two luxurious ensuite bedrooms, offers 3.5 baths and a 12' x 32' Oversized/RV garage. Built with 2x6 construction and R50 ceiling and R19 wall insulation. Inside, you'll find an 11' entry, 9' ceilings, and 8' doors. The heart of the home is complete with a large kitchen

    Sue Gatchell Real Broker, LLC

    0 Lot 21 Rosalia Ridge Unit 25-260473, Saint George, UT 84770
  • /27

    $544,900 New Construction

    • 4 Beds
    • 2.5 Baths
    • 2,912 Sq Ft

    438 N Stone Mountain Dr, St. George, UT 84770

    VIEWS, VIEWS, VIEWS! Custom build new construction. High quality throughout! Detached home located in PUD community. Garage is suspended with additional basement below. Located at the end of a quiet street with limited neighbors. Owner/Agent

    Rachel Henderson HENDERSON REAL ESTATE LLC

    438 N Stone Mountain Dr, St. George, UT 84770
  • /10

    $797,995 New Construction

    • 3 Beds
    • 3 Baths
    • 2,740 Sq Ft

    6098 S Pinyon Dr, St. George, UT 84790

    The Deseo comes with 12' ceilings in great room with 12' sliding glass door opening to a 22' covered rear patio. 10' ceilings throughout, secluded private front office, oversized kitchen island, SS built-in appliances, walk-in pantry. Retreat-like primary suite stands out with a generous walk-in closet, and a large luxurious walk-in shower. Pavers on walks and driveway. 4 car attached garage,

    Craig LeFevre TB REALTY LLC

    6098 S Pinyon Dr, St. George, UT 84790
  • /17

    $899,900 New Construction

    • 4 Beds
    • 4 Baths
    • 2,696 Sq Ft

    490 S Appian Way, St. George, UT 84770

    This home is great for gathering. Open floorplan with large windows in every room! Majestic White cabinets around the kitchen perimeter with a warm knotty alder island, quartz countertops, a hidden butler's pantry, and GE CAFE appliances enhance the kitchen. Tuck your guests away in the attached casita with its separate entrance. Store your boat or sprinter van in the 29 ft deep RV garage.

    ALISA HUSER S & S REALTY SOLUTIONS LLC

    490 S Appian Way, St. George, UT 84770
  • /94

    $531,900 New Construction

    • 3 Beds
    • 3 Baths
    • 1,702 Sq Ft

    0 Desert Color Lot 631 Phase 6 Unit 2071931, Saint George, UT 84790

    Enjoy the incredible Desert Color community and amenities. Lot 631 sits in the new Sage Haven area and is positioned to provide convenient access to the new owner only splash pad, park and pool. Build in St. George's exciting Desert Color Community from dirt to dream home with the Harmony floor plan from Holmes Homes. All options and upgrades may be selected by the buyer. Lot 631 is planned for

    Andrew Griffin Red Rock Real Estate LLC

    0 Desert Color Lot 631 Phase 6 Unit 2071931, Saint George, UT 84790
  • /6

    $878,900 New Construction

    • 4 Beds
    • 4 Baths
    • 2,528 Sq Ft

    3108 Cingoli Ct, St. George, UT 84770

    Experience this unique and one-of-a-kind floor plan in Arancio Point! This stunning 2,528 sqft. home features 4 bedrooms, 3.5 baths, and an array of premium upgrades, including quartz kitchen countertops, a stylish tile backsplash, upgraded waterproof flooring, and beautifully painted cabinets. With full landscaping and exceptional design details throughout, this home is a true gem. Don't miss

    Jon Ence Ence Bros Realty INC.

    3108 Cingoli Ct, St. George, UT 84770
  • /61

    $7,500,000 New Construction

    • 4 Beds
    • 6 Baths
    • 6,786 Sq Ft

    2031 E Pinnacle Dr, St. George, UT 84790

    Perched on one of the highest lots in the prestigious gated community of Stone Cliff in Saint George, Utah, On Top of the World is a Baja-contemporary masterpiece that boasts expansive views that stretch beyond the horizon, offering a breathtaking backdrop for everyday living. Inspired by the baja desert, this sleek, contemporary interior showcases a seamless blend of style and functionality,

    Greg Miner KW Park City Keller Williams Real Estate

    2031 E Pinnacle Dr, St. George, UT 84790
  • /29

    $569,900 New Construction

    • 3 Beds
    • 2 Baths
    • 1,725 Sq Ft

    1289 Pocket Mesa Dr, St. George, UT 84770

    FINAL opportunity in the highly sought-after Pocket Mesa community! This beautifully upgraded 3 bed, 2 bath home features quartz countertops, wood-look tile flooring, premium cabinetry, and a 4' garage bump-out. Enjoy an open-concept layout with designer lighting, 8' doors, and full landscaping included. Breathtaking views of Snow Canyon and Pine Valley Mountain add to the appeal. Priced recently

    Jon Ence Ence Bros Realty INC.

    1289 Pocket Mesa Dr, St. George, UT 84770
  • /15

    $749,900 Open Sat 10AM - 3PM

    • 4 Beds
    • 4 Baths
    • 2,543 Sq Ft

    657 Molveno Trail, St. George, UT 84770

    This beautiful decked out home has started!!! It features a split floor plan w/a second primary bedroom suite & additional kitchenette and laundry in an accessory dwelling unit (ADU) that can be used as rental apartment, attached casita, or a luxurious second ensuite w/family room and kitchen. Overall you get 4 bedrooms, 2 primary suites, 2 family rms, 3.5 baths, plus the 2nd kitchen. Standard

    Sue Gatchell Real Broker, LLC

    657 Molveno Trail, St. George, UT 84770
  • /11

    $689,900 Open Sat 10AM - 3PM

    • 4 Beds
    • 3 Baths
    • 2,079 Sq Ft

    2673 W Venice Ln, Saint George, UT 84770

    Nestled in the Rosalia Ridge Development, this stunning home HAS STARTED!! Our Denali floorplan boasts 4 bedrooms (including a 2nd ensuite), a 3-car garage, and beautiful open space and snow canyon views. Over $100,000 in upgrades elevate this home with 2x6 construction, upgraded cabinetry, 9ft ceilings, 8ft doors, quartz countertops, and upgraded flooring, just to name a few. This plan design

    Sue Gatchell Real Broker, LLC

    2673 W Venice Ln, Saint George, UT 84770
  • /29

    $849,950 New Construction

    • 4 Beds
    • 3 Baths
    • 2,597 Sq Ft

    1111 W Kolob Dr, St. George, UT 84790

    Under Construction! Expansive, single-story home features an intelligent layout and many nice finishes. The open Kitchen, Dining area / Great Room features nice, high ceilings, wood grain tile flooring, quartz countertops, hardwood cabinets, under cabinet lighting, built in cooktop with overhead vents to the outside, and electric fireplace and a hidden room pantry. Master Suite features a

    JOSEPH PARKS GEMSTONE PROPERTIES INC.

    1111 W Kolob Dr, St. George, UT 84790
  • /20

    $3,975,000 New Construction

    • 4 Beds
    • 5 Baths
    • 4,751 Sq Ft

    2888 W Blackhawk Ridge Cir, Saint George, UT 84770

    With sweeping views and detailed attention to architecture and design, this home is sure to impress! Built by Shakespeare Dev. Group and designed by McQuay architects, no upgrade was overlooked in this sprawling 4,743 sq/ft home. Complete with Wolf/SubZero appliances, the gourmet kitchen is a chefs delight. The open living room and 10 foot sliding glass doors that extend out to the patio make

    Blake Frei RED ROCK REAL ESTATE

    2888 W Blackhawk Ridge Cir, Saint George, UT 84770
  • /5

    $4,370,000 New Construction

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

    2784 E Gneiss Dr, Saint George, UT 84790

    This beautiful custom home is under construction in the exclusive Stone Cliff Community! Sweeping unobstructed views, Riverwood Mills Cabinetry, Wolf & Sub Zero Appliances, and professionally chosen finishes. For information on timeline and finishes, please contact listing agent.

    MEGAN AHLEEN - Ahleen RED ROCK REAL ESTATE

    2784 E Gneiss Dr, Saint George, UT 84790
  • /36

    $630,000 New Construction

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

    854 W Crystal Cir, St. George, UT 84770

    Modern New Build with Rooftop Views - No HOA!This stunning 3-bed, 2-bath home in St. George is built with 11 ft ceilings in main areas and 9 ft in bedrooms, offering an open and airy feel. Engineered for durability, it sits on 33 piers with strict Landmark Engineering guidelines, plus a completed soil report and foundation work.The flat roof with a TPO membrane is perfect for entertaining,

    Natalie Burghardt CENTURY 21 EVEREST ST GEORGE

    854 W Crystal Cir, St. George, UT 84770
  • /48

    $544,990 New Construction

    • 3 Beds
    • 2 Baths
    • 1,724 Sq Ft

    2699 Brenta Way Unit Lot 27, St. George, UT 84770

    CONTRACT TODAY AND RECIEVE A PERMANANT RATE BUYDOWN TO AS LOW AS 4.99% WHILE RATE INCENTIVE LASTS-ASK ME HOW TO QUALIFY!!!Great Value!!! Brand New, Single Level, 3 bed/2 bath Single Family Home with a third car garage in the highly sought after Divario community, which has gorgeous views driving in and out. Looking for very LOW HOA's?... you found it! Only $15/month. This cute Sonoran plan

    Matthew Shelton VISIONARY REAL ESTATE

    2699 Brenta Way Unit Lot 27, St. George, UT 84770
  • /38

    $549,990 New Construction

    • 3 Beds
    • 2 Baths
    • 1,584 Sq Ft

    2690 W Brenta Way Unit Lot 7, Saint George, UT 84770

    CONTRACT TODAY AND RECIEVE A PERMANANT RATE BUYDOWN TO AS LOW AS 4.99% WHILE RATE INCENTIVE LASTS-ASK ME HOW TO QUALIFY!!!What's not to love about a view lot in Divario with the perfect size single level home with a 3 car garage. With designer made selections this home is sure to please. Home is estimated to be complete and move in ready early April. Ask about our preferred lender incentives!This

    Matthew Shelton VISIONARY REAL ESTATE

    2690 W Brenta Way Unit Lot 7, Saint George, UT 84770

Showing Results 481 - 520, Page 13 of 14

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