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Modern Homes for Sale in San Antonio, TX

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  • /31

    $230,500

    $20K PRICE DROP
    • 4 Beds
    • 3 Baths
    • 1,555 Sq Ft

    5630 Seacomber Place, San Antonio, TX 78242

    Welcome to 5630 Seacomber. a well-maintained home on San Antonio's South Side. The home features a functional layout, a spacious kitchen with ample cabinet space, and well-sized bedrooms. The backyard offers room for outdoor enjoyment and entertaining.

    Leeroy Ramirez TRU Real Estate Group

    5630 Seacomber Place, San Antonio, TX 78242
  • /34

    $699,999

    New Construction $35K PRICE DROP
    • 3 Beds
    • 2.5 Baths
    • 2,506 Sq Ft

    23350 Grande Vista, San Antonio, TX 78261

    HOA-maintained yard, greenbelt privacy, views of the JW Marriott and ready to move-in now! This single-story Sitterle Homes Carrara floor plan at 23350 Grande Vista offers true lock-and-leave living in Campanas at Cibolo Canyons, positioned on a tree-lined homesite that delivers both privacy and resort views. Built by Sitterle Homes, a name long associated with quality in San Antonio, this home

    Andrea Gimblet Real Estate Muses

    23350 Grande Vista, San Antonio, TX 78261
  • /12

    $225,000

    $10K PRICE DROP
    • 3 Beds
    • 2 Baths
    • 1,336 Sq Ft

    7727 Chatsworth, San Antonio, TX 78250

    Great northwest listing 3 bedrooms 2 full baths one story one car garage. Clean and ready to move in roof was replaced in 2017 and the central air was replaced in 2019. Great location awesome neighborhood.

    Robert Cortez Premier Realty Group Platinum

    7727 Chatsworth, San Antonio, TX 78250
  • /57

    $269,950

    New Construction $5K PRICE DROP
    • 3 Beds
    • 2.5 Baths
    • 1,625 Sq Ft

    452 American Robin Way, San Antonio, TX 78253

    Welcome to The Swift, a two-story home located at Redbird Ranch in San Antonio, TX. This floor plan offers 3 classic front exteriors with siding or brick, a 1-car garage and a full yard landscaping and irrigation package, ensuring that your home looks its best every single day. Inside this 3 bedroom, 2.5 bathroom home, you will find 1625 square feet of functional living space. The inviting front

    RJ Reyes Keller Williams Heritage

    452 American Robin Way, San Antonio, TX 78253
  • /50

    $1,600,000

    $199K PRICE DROP
    • 4 Beds
    • 4.5 Baths
    • 4,140 Sq Ft

    20214 Bella Sky, San Antonio, TX 78256

    This extraordinary residence is a statement of modern luxury, intelligent design, and refined living, set within one of San Antonio's most prestigious communities. Completed in 2023, the home showcases architectural sophistication paired with effortless functionality, offering expansive interiors, soaring ceilings, and an abundance of natural light that elevates every space. The layout is

    Mariana Faz Garcia 5 L Realty, LLC

    20214 Bella Sky, San Antonio, TX 78256
  • /31

    $309,000

    • 3 Beds
    • 2.5 Baths
    • 1,963 Sq Ft

    6618 Cibolo Springs, Converse, TX 78109

    **Click the magic icon to Virtually stage each picture!** ASSUMABLE VA LOAN 5.7%. Discover the perfect blend of style and convenience in this meticulously maintained home at 6618 Cibolo Springs. Located in the sought-after Willow View community, this residence offers an inviting open-concept layout designed for both relaxing and entertaining. The heart of the home is a chef-ready kitchen boasting

    Christopher Pate Levi Rodgers Real Estate Group

    6618 Cibolo Springs, Converse, TX 78109
  • /37

    $530,000

    • 4 Beds
    • 2.5 Baths
    • 3,074 Sq Ft

    12515 Prince Solms, San Antonio, TX 78253

    Welcome to this meticulously maintained contemporary gem nestled in the gated Alamo Ranch Enclave. From the moment you arrive, this 3,074 sq ft beauty built in 2009 makes an impression - and it only gets better inside. Priced at appraised value with active neighbors listed higher, this one is a smart buy from day one. Four bedrooms, 2.5 baths, and a 3-car garage sit on a generous .33-acre

    Gary Goetz eXp Realty

    12515 Prince Solms, San Antonio, TX 78253
  • /22

    $379,000

    $71K PRICE DROP
    • 3 Beds
    • 3.5 Baths
    • 1,687 Sq Ft

    126 E Lachapelle, San Antonio, TX 78204

    Modern 3-story home fully furnished featuring 3 bedrooms and 3.5 baths, perfectly situated near the vibrant Lone Star District and a block from War House Gym! Enjoy sleek finishes, an open-concept layout and breathtaking skyline views from your private balcony-ideal for both relaxing and entertaining, first floor offers a private guest suite! Ask me about the Lease-to-Purchase option! Seller is

    Kristine Martinez JLA Realty - NB

    126 E Lachapelle, San Antonio, TX 78204
  • /48

    $420,000

    • 5 Beds
    • 3 Baths
    • 3,620 Sq Ft

    3118 Wroxton Rd, San Antonio, TX 78217

    Spacious multi-generational single-story home offering approximately 3,620 sq. ft. in the desirable McArthur Terrace neighborhood. This 5-bedroom, 3-bath home features two primary suites with walk-in closets, providing excellent flexibility for extended family, guests, or private living arrangements. The open floor plan is ideal for entertaining, with tall ceilings, a welcoming living area,

    Cindy Segovia Better Homes and Gardens Winans

    3118 Wroxton Rd, San Antonio, TX 78217
  • /25

    $330,000

    • 3 Beds
    • 2 Baths
    • 1,910 Sq Ft

    14702 Somerset Mill, San Antonio, TX 78254

    Assumable VA Loan at a 4.25% interest rate AND an instant backyard oasis, an incredible opportunity awaits! Built in 2023 and meticulously maintained, this home feels just like new. The custom-built covered back patio elevates your outdoor entertaining with views that give you the Hill Country feel. Inside, the open floor plan creates a seamless flow, perfect for hosting gatherings. The versatile

    Lazaro Walck JB Goodwin, REALTORS

    14702 Somerset Mill, San Antonio, TX 78254
  • /36

    $290,000

    New Construction
    • 5 Beds
    • 3 Baths
    • 2,009 Sq Ft

    15521 Laughing Owl, San Antonio, TX 78253

    5% lender incentive offered with the use of the seller's in-house lender. Incentive may be used towards buyer closing costs and/or rate buy-down, subject to lender approval and buyer qualification. Welcome to the Commerce floorplan in Redbird Ranch, a thoughtfully designed two-story home offering 2,009 square feet of living space with 5 bedrooms, 3 bathrooms, and a 1-car garage. This versatile

    Christopher Marti Marti Realty Group

    15521 Laughing Owl, San Antonio, TX 78253
  • /31

    $269,900

    $8K PRICE DROP
    • 3 Beds
    • 2 Baths
    • 1,503 Sq Ft

    10602 Appaloosa Bay, San Antonio, TX 78254

    PERFECT LOCATION. Excellent access on foot, just across the street out the back yard, to Sports Courts, Pool, and other amenities. Just stroll out the lockable gate at the rear yard fence for convenient trail access, or, out front, you can walk to Kreuger Elementary School, in about the same short time, providing the ultimate safety and convenience for you and your children. Huge living areas

    Ronald Chartier IH 10 Realty

    10602 Appaloosa Bay, San Antonio, TX 78254
  • /34

    $312,000

    New Construction
    • 3 Beds
    • 2 Baths
    • 1,218 Sq Ft

    310 W Evergreen St, San Antonio, TX 78212

    Brand-new Tobin Hill townhome with fantastic builder incentives - Down payment assistance available! This modern 2-story home features 3 bedrooms, 2 bathrooms, an open-concept design, contemporary finishes, and convenient parking with a private 2-car carport. Prime walkable location near The Strip on Main St, local dining, San Antonio College, downtown, and less than 2 miles to The Pearl. A rare

    Fiona Downing LPT Realty, LLC

    310 W Evergreen St, San Antonio, TX 78212
  • /27

    $290,000

    $35K PRICE DROP
    • 4 Beds
    • 2 Baths
    • 2,251 Sq Ft

    7450 Obbligato Ln, San Antonio, TX 78266

    Welcome to this beautifully maintained single-story home offering over 2,200 square feet of thoughtfully designed living space on a quiet, tree-lined street. Centrally located with easy access to highways and everything San Antonio has to offer. With 4 spacious bedrooms, 2 full bathrooms, and two generous living areas, this home provides both comfort and flexibility for everyday living and

    Jitender (Johnny Buxani Keller Williams City-View

    7450 Obbligato Ln, San Antonio, TX 78266
  • /11

    $290,000

    • 2 Beds
    • 2 Baths
    • 1,305 Sq Ft

    7905 Southlake Pass, San Antonio, TX 78235

    Welcome to your dream home in San Antonio's South side! This newer, sleek townhome offers modern living with 2 oversized bedrooms (one on each floor), each with a private bathroom and spacious walk-in closet. Enjoy hassle-free living with included washer/dryer/fridge, tankless water heater and a spacious 2-car garage. Great investment home or perfect living situation for students or faculty. This

    Kari Berger The Checkered Door Realty

    7905 Southlake Pass, San Antonio, TX 78235
  • /58

    $269,950

    New Construction $7K PRICE DROP
    • 3 Beds
    • 2.5 Baths
    • 1,625 Sq Ft

    15510 Ruby Hummingbird, San Antonio, TX 78253

    Welcome to The Swift, a two-story home located at Redbird Ranch in San Antonio, TX. This floor plan offers 3 classic front exteriors with siding or brick, a 1-car garage and a full yard landscaping and irrigation package, ensuring that your home looks its best every single day. Inside this 3 bedroom, 2.5 bathroom home, you will find 1625 square feet of functional living space. The inviting front

    RJ Reyes Keller Williams Heritage

    15510 Ruby Hummingbird, San Antonio, TX 78253
  • /18

    $185,000

    $30K PRICE DROP
    • 3 Beds
    • 2.5 Baths
    • 1,446 Sq Ft

    131 Booker Palm, San Antonio, TX 78239

    NEW ROOF Feb 2025 Experience easy walk to the local park, enjoy short commute to RAFB, Fort Sam, Brooks, Down town, Airport. Award winning schools for your children. professionally managed and maintained by Mi Casa Su Casa Properties. Family oriented neighborhood. Lots of value for your money.

    Francisco Rodriguez Mi Casa Su Casa Properties

    131 Booker Palm, San Antonio, TX 78239
  • /59

    $392,550

    New Construction
    • 5 Beds
    • 2.5 Baths
    • 2,539 Sq Ft

    13657 Gunnison Quartz, San Antonio, TX 78253

    Introducing The Lombardi at Riverstone at Westpointe in San Antonio, TX. This two-story home features 5 bedrooms, 2.5 bathrooms, a 2-car garage, and 2,539 square feet of open-concept living space across three classic exterior choices. A deep-set covered porch (per plan) opens to a foyer, formal dining room, and a powder room. A convenient butler's entry connects the dining area to a spacious

    RJ Reyes Keller Williams Heritage

    13657 Gunnison Quartz, San Antonio, TX 78253
  • /67

    $368,050

    New Construction
    • 4 Beds
    • 2 Baths
    • 1,901 Sq Ft

    13653 Gunnison Quartz, San Antonio, TX 78253

    Welcome to The Knight, a new home offered at Riverstone at Westpointe in San Antonio, TX. Featuring 3 classic front exterior, 4 bedrooms, 2 bathrooms, 2-car garage and 1901 square feet of living space, this floor plan is sure to turn heads. Spacious, comfortable living greets you at the door with a long foyer leading to a decorative wall nook and a grand, open concept living room, kitchen and

    RJ Reyes Keller Williams Heritage

    13653 Gunnison Quartz, San Antonio, TX 78253
  • /50

    $266,000

    New Construction
    • 3 Beds
    • 2 Baths
    • 1,411 Sq Ft

    119 Purple Carib, San Antonio, TX 78253

    Step into The Tobin floorplan at Redbird Ranch in San Antonio, TX, a single-story home featuring 3 bedrooms and 2 bathrooms. The Tobin also offers 2 classic exterior with siding, a 1-car garage and 1412 square feet of comfortable living space. The Tobin features an open-concept layout that blends seamlessly to create the perfect every day space designed with you in mind. An elongated foyer leads

    RJ Reyes Keller Williams Heritage

    119 Purple Carib, San Antonio, TX 78253
  • /26

    $299,500

    • 3 Beds
    • 2 Baths
    • 1,728 Sq Ft

    363 S Loop 1604 W, San Antonio, TX 78264

    This stunning property boasts a perfect blend of rustic charm and modern luxury. From the hardwood floors to the custom barn style kitchen cabinets, every detail has been thoughtfully designed. The spacious outdoor barn and open yard offer endless possibilities for relaxation and entertainment. Located outside city limits in Bexar county without restrictions, this home provides the ideal balance

    Denisse Venegas Legendary Realty

    363 S Loop 1604 W, San Antonio, TX 78264
  • /23

    $699,000

    $100K PRICE DROP
    • 4 Beds
    • 4.5 Baths
    • 3,754 Sq Ft

    24011 Seven Winds, San Antonio, TX 78258

    This impressive two story home offers 3,754 square feet with 4 bedrooms and 4.5 bathrooms, beginning with a welcoming foyer highlighted by an elegant winding staircase. The open concept living room features soaring ceilings and large windows that flood the space with natural light, creating a bright and airy atmosphere. The kitchen is thoughtfully laid out with abundant counter and cabinet space,

    Zaida DeLine Coldwell Banker D'Ann Harper, REALTOR

    24011 Seven Winds, San Antonio, TX 78258
  • /39

    $499,000

    $100K PRICE DROP
    • 6 Beds
    • 4 Baths
    • 1,370 Sq Ft

    703 W Rosewood Ave, San Antonio, TX 78212

    What GREAT Value! Two homes on one large corner lot in Beacon Hill Historical District. Both homes are totally remodeled for comfort and convenience. Bring the parents! Give them the privacy they deserve in their own home and the security they need OR offset your mortgage with income from the spacious 3 bedroom, 2 bath 880 sf additional home. The primary home is 1370 sf and boasts beautiful

    Janna Martinez Real Broker, LLC

    703 W Rosewood Ave, San Antonio, TX 78212
  • /50

    $609,900

    $115K PRICE DROP
    • 3 Beds
    • 3.5 Baths
    • 2,563 Sq Ft

    101 Haynes Ave, San Antonio, TX 78210

    Come and experience a true South town beauty with a unique mix of modern designed home with a touch of farm house charm! The inviting black metal doors and brand new black framed windows add natural light and save on energy. This stunning corner lot home features three bedrooms, a bonus room loft or game room upstairs, and 3.5 baths that are perfect for family or entertaining! We cannot forget

    Malinda Hernandez Central Metro Realty

    101 Haynes Ave, San Antonio, TX 78210
  • /32

    $420,000

    • 4 Beds
    • 3 Baths
    • 2,430 Sq Ft

    914 Halliday Ave, San Antonio, TX 78210

    HIGHLAND HILLS STUNNER! This beautifully updated two-story home at 914 Halliday offers incredible flexibility and investment potential just minutes from downtown San Antonio. Tastefully and partially renovated with high-end finishes and fixtures throughout, this unique property can easily function as a single-family residence, duplex, or even a three-unit setup with minimal finishing work

    Jorge Perez Chapa Resi Realty, LLC

    914 Halliday Ave, San Antonio, TX 78210
  • /25

    $349,900

    • 4 Beds
    • 2 Baths
    • 2,049 Sq Ft

    539 Point Valley, San Antonio, TX 78253

    Discover a highly sought-after home that exudes charm and meticulous care. This delightful property features four spacious bedrooms and two full baths, complete with modern appliances and stylish interior touches. The exterior showcases beautiful rock and stucco on three sides, enhancing its appeal. A practical enhancement has widened the driveway for added convenience, ensuring you stay clear of

    Lionel Garcia Premier Realty Group Platinum

    539 Point Valley, San Antonio, TX 78253
  • /25

    $338,500

    New Construction $1K PRICE DROP
    • 4 Beds
    • 2 Baths
    • 1,703 Sq Ft

    4814 Quartz Row Dr, San Antonio, TX 78253

    *5% lender incentive offered with the use of the seller's in-house lender! Incentive may be used towards buyer closing costs and/or rate buy-down, subject to lender approval and buyer qualification. **Tour this home anytime - no appointment or agent needed. Simply verify your ID at the door and explore on your own schedule, 7 days a week. The Bryant floorplan - This thoughtfully designed

    Christopher Marti Marti Realty Group

    4814 Quartz Row Dr, San Antonio, TX 78253
  • /18

    $263,499

    New Construction $36K PRICE DROP
    • 2 Beds
    • 2.5 Baths
    • 1,317 Sq Ft

    1735 W Gramercy Place, San Antonio, TX 78201

    Modern South Beach Style Meets Woodlawn Charm | This sleek home blends Miami Deco design with everyday comfort. Enjoy an open layout with 10-ft ceilings, wood-look tile, and a chef's kitchen with stainless steel appliances and contemporary finishes. Upstairs offers a private primary suite and additional ensuite bedroom. Located in a gated community with guest parking and a fenced dog park, it's

    Scott Malouff Keller Williams Heritage

    1735 W Gramercy Place, San Antonio, TX 78201
  • /55

    $1,795,000

    $405K PRICE DROP
    • 5 Beds
    • 5 Baths
    • 3,953 Sq Ft

    23610 Messina Canyon, San Antonio, TX 78255

    Welcome home to this custom built 5 bedroom 5 bath located in the highly desirable Canyons at Scenic Loop subdivision! This contemporary two story home sits on .66 of an acre. Beautiful landscaping and mature trees. You are greeted by a spacious entry that leads to the dining room. The dining has high ceilings & opens to the family room. Office space w/outdoor access off of the entry. The family

    Mario Hesles The Hesles Agency

    23610 Messina Canyon, San Antonio, TX 78255
  • /42

    $499,900

    • 4 Beds
    • 3 Baths
    • 2,747 Sq Ft

    12335 Fort Duncan, San Antonio, TX 78245

    Impeccable Perry Home built in 2023, offering 4BR/3BA in the prestigious Weston Oaks community. Features soaring 12-ft ceilings, a private front office, and an open-concept layout filled with natural light. Gourmet kitchen with expansive island and modern finishes. Includes a rare secondary bedroom with full en-suite bath-ideal mother-in-law suite or guest retreat. Spa-like primary suite with

    Jonathan Colon The Extra Mile Realty Group LLC

    12335 Fort Duncan, San Antonio, TX 78245
  • /20

    $328,580

    • 4 Beds
    • 2.5 Baths
    • 3,288 Sq Ft

    6737 Riverwood, San Antonio, TX 78233

    I 35N - O'Connor Road to Forest Bluff to Spear Wood to Elmwood Crest to Riverwood Road. MUST SEE Beautiful 3300sq ft. 2Story,4 Bedroom,2.5 Bathrooms. Elegant New Wood Flooring, New SW Premium Paint, Crown Molding, Recess Lighten. Family Room Opening to the kitchen, Formal Living and Dining Rooms, and All Bedrooms Up. Kitchen has Granite Counters, Gas Range and 42"Cabinetry. Second Floor has a

    Nicole Pool Restoration Realty Group

    6737 Riverwood, San Antonio, TX 78233
  • /4

    $1,950,000

    New Construction
    • 4 Beds
    • 4 Baths
    • 3,853 Sq Ft

    7002 Bluff Run, San Antonio, TX 78257

    From the moment you arrive, this home, built by McNair Custom Homes, in The Bluff at The Dominion signals something different. The iron and glass front door leading you into the architecturally crafted wall detailing in the foyer sets an immediate tone: this is a home built with craftsmanship and design at the forefront. At 3,853 square feet on a single level, the layout moves with a natural

    Kimberly Howell Keller Williams Legacy

    7002 Bluff Run, San Antonio, TX 78257
  • /20

    $399,950

    $25K PRICE DROP
    • 4 Beds
    • 2.5 Baths
    • 2,603 Sq Ft

    2235 Mountain Mist, San Antonio, TX 78258

    Beautiful home in the highly sought-after Mountain Lodge neighborhood, feeding into top-rated NEISD schools. This spacious property features four generously sized bedrooms and has been thoughtfully updated with high-end flooring , granite countertops, and luxury custom shutters . With three separate living areas, there's plenty of room for everyone to spread out, whether you're hosting guests or

    Judith Rodriguez Keller Williams Legacy

    2235 Mountain Mist, San Antonio, TX 78258
  • /44

    $246,110

    New Construction
    • 3 Beds
    • 2 Baths
    • 1,280 Sq Ft

    15406 Ruby Hummingbird, San Antonio, TX 78253

    The Barton is a charming one-story home featured at Redbird Ranch in San Antonio, TX. Featuring 2 classic front exteriors, this 3 bedroom, 2 bathroom home also offers 1281 square feet of living space and a 2-car garage. A front porch (per plan) welcomes you into the home and opens to the gourmet kitchen which includes quartz counter tops, quality cabinets, stainless steel appliances and an open

    RJ Reyes Keller Williams Heritage

    15406 Ruby Hummingbird, San Antonio, TX 78253
  • /9

    $260,000

    New Construction $9K PRICE DROP
    • 3 Beds
    • 2 Baths
    • 1,510 Sq Ft

    159 N San Gabriel Ave, San Antonio, TX 78237

    Brand new home not too far from downtown San Antonio 3 bedrooms 2 full baths central air and heat with laminate flooring be the first to own it. 1500 sq feet.

    Robert Cortez Premier Realty Group Platinum

    159 N San Gabriel Ave, San Antonio, TX 78237
  • /49

    $414,990

    New Construction $24K PRICE DROP
    • 4 Beds
    • 2.5 Baths
    • 2,844 Sq Ft

    1250 Nikos Hollow, San Antonio, TX 78245

    Brand new, energy-efficient home available by May 2026! An entertainer's dream, the open kitchen and living room provide the perfect gathering space for all occasions. Mix work and play between the in-home study and the adjacent spacious game room upstairs. Starting in the $300s, Arcadia Ridge spans approximately 700 acres in Far Northwest San Antonio. This master-planned community features

    Patrick McGrath Meritage Homes Realty

    1250 Nikos Hollow, San Antonio, TX 78245
  • /21

    $365,000

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

    1515 Agency Point, San Antonio, TX 78245

    Welcome to this stunning two-story contemporary home located in the peaceful and well-established Hunt Crossing subdivision. This spacious residence offers both privacy and convenience in a prime location close to major shopping destinations. Featuring 4 bedrooms, 2.5 bathrooms, and an attached garage, this home is perfect for families seeking space and functionality. The open floor plan is ideal

    Aaron Fernandez Keller Williams Heritage

    1515 Agency Point, San Antonio, TX 78245
  • /26

    $229,700

    • 3 Beds
    • 2 Baths
    • 1,451 Sq Ft

    7415 Capstone Ridge, San Antonio, TX 78244

    Welcome to a beautifully maintained 3 bedroom, 2 bath home built in 2021. Nestled near a quiet cul-de-sac with minimal street traffic, this home provides a peaceful setting while remaining conveniently located near from shopping, dining, and major highways, with the rare option of an assumable 2.875% VA loan! Step inside to discover an open-concept floor plan designed for both everyday living and

    Sarai Johnson Texas Premier Realty

    7415 Capstone Ridge, San Antonio, TX 78244
  • /58

    $319,700

    New Construction
    • 4 Beds
    • 2.5 Baths
    • 2,243 Sq Ft

    6122 Unakite Trail, San Antonio, TX 78253

    Welcome to The Wolters at Riverstone at Westpointe in San Antonio, TX. This stunning two-story home features 4 bedrooms, 3 bathrooms, a 1-car garage, and 2,530 square feet of open-concept living space across three classic exterior styles. An inviting front porch opens to a foyer that leads into a blended living room, dining area, and kitchen designed for easy everyday living and entertaining. The

    RJ Reyes Keller Williams Heritage

    6122 Unakite Trail, San Antonio, TX 78253
  • /11

    $113,000

    $5K PRICE DROP
    • 3 Beds
    • 2 Baths
    • 1,040 Sq Ft

    119 Carmen Place, San Antonio, TX 78207

    Agents, come see this cozy home ready for some TLC. It is 1024sq.ft. This 3/bdrm.2/bath/1car garage previous used as a fourth bd.rm but can be reconverted to garage. This home also has two full baths. This home has good bones structurally but is in need some updating. This home has a good size yard which is 0.17 of an acre. Sellers are ready to move since they have already chosen their

    Barbara Ayala United Realty Group of Texas, LLC

    119 Carmen Place, San Antonio, TX 78207

Showing Results 601 - 640, Page 16 of 18

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