1,074

Homes for Sale near Monarch School

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  • /25

    $519,000

    • 1 Bed
    • 1 Bath
    • 653 Sq Ft

    575 6th Ave Unit 1011, San Diego, CA 92101

    HIGH FLOOR WITH VIEWS - 1-bed, 1-bath at Alta in Gaslamp District near Petco Park and all the Gaslamp restaurants. Features include high ceilings, floor-to-ceiling windows, engineered wood floors, stainless steel appliances, quartz counters, and designer finishes. Bedroom offers walk-in closet and frosted glass barn door. Enjoy a balcony with amazing city views, gated secure parking, storage and

    Eric Jones Pacific Sotheby's International Realty

    575 6th Ave Unit 1011, San Diego, CA 92101
  • /60

    $780,000

    • 4 Beds
    • 4 Baths
    • 1,938 Sq Ft

    722 Anchor Ct, Chula Vista, CA 91910

    Stunning large END unit with private yard and AMAZING bay and downtown skyline views! One of the largest floor plans in this community, this home has 4 bedrooms, 2 full & 2 half baths, including an entry-level bedroom, with custom features throughout the house. PAID Solar and EV charging station in garage, new HVAC capacitor, and dual pane vinyl windows make this home energy efficient. Enjoy a

    Lucia Magneta eXp Realty of Southern California, Inc.

    722 Anchor Ct, Chula Vista, CA 91910
  • /6

    $325,000

    • Land
    • 0.13 Acre
    • $2,533,125 per Acre

    0 Dwight St Unit PTP2504762, San Diego, CA 92105

    Prime lot of land. Act Now. Flat surface, with water, sewage, and electricity services available (not yet connected), Zoned RS-1-7, this land allows for up to 3,245 sq ft of total construction. Up to four units (a detached duplex with an ADU and JADU, plus a garage). Or a single-family home with an ADU and JADU (3 units) is permitted. Access: Quiet alley access on a lightly trafficked road.

    Steve Lucal Real Broker

    0 Dwight St Unit PTP2504762, San Diego, CA 92105
  • /46

    $1,345,000

    • 3 Beds
    • 2.5 Baths
    • 1,337 Sq Ft

    1240 India St Unit 1800, San Diego, CA 92101

    Welcome to a home that captivates from the moment you walk in – Luxury Top-Floor Corner Unit with Breathtaking Bay & City Views!! Prime Downtown San Diego Location with the Lowest HOA Fees! Experience elevated urban living in this exceptional top floor residence, offering panoramic views of the San Diego Bay and city skyline through expansive floor-to-ceiling windows. Soak in stunning sunsets

    Sean Zadeh HomeSmart Realty West

    1240 India St Unit 1800, San Diego, CA 92101
  • /50

    $659,000

    • 2 Beds
    • 1 Bath
    • 730 Sq Ft

    325 7th Ave Unit 503, San Diego, CA 92101

    Live at The Legend—Downtown San Diego’s iconic luxury high-rise located inside the gates of Petco Park! This amazing condo offers 730 sq ft of thoughtfully designed living space with views overlooking the vibrant energy just beyond the outfield. Enjoy the buzz from your private balcony or head up to the expansive 7th-floor viewing terrace—complete with fire pits, BBQs, and lounge seating. For

    Clayton Connolly eXp Realty of California, Inc.

    325 7th Ave Unit 503, San Diego, CA 92101
  • /42

    $925,000

    • 2 Beds
    • 2.5 Baths
    • 1,295 Sq Ft

    645 Front St Unit 806, San Diego, CA 92101

    Claim your stake in vibrant urban living with this west-facing residence at Renaissance! Soak in sweeping bay and city views through expansive stacked, sliding windows in the living and dining area, bringing the outdoors in without the upkeep of a balcony. The open-concept kitchen has been thoughtfully upgraded with premium stainless appliances including Viking, GE, and Sub-Zero, complemented by

    Gregg Neuman Berkshire Hathaway HomeServices California Properties

    645 Front St Unit 806, San Diego, CA 92101
  • /33

    $589,950

    • 1 Bed
    • 1 Bath
    • 768 Sq Ft

    1240 India St Unit 519, San Diego, CA 92101

    Perfectly situated in Little Italy/Columbia. This condo offers an ideal blend of vibrant city living and peaceful retreat. Ideal space in a highly popular Little Italy-Columbia. Walk to work or work from home! The best of San Diego is literally at your doorstep from amazing restaurants and coffee houses to nearby San Diego harbor front and easy access to San Diego Int’l, Downtown, world famous

    Cindy North Gratitude Realty

    1240 India St Unit 519, San Diego, CA 92101
  • /20

    $1,369,000

    • 2 Beds
    • 2 Baths
    • 1,368 Sq Ft

    4517 Copeland Ave, San Diego, CA 92116

    Perfectly curated is an understatement at this Spanish style home! Upon opening the front door, a formal seating area greets you with warm energy, cozy fireplace, original hardwood floors, and an abundance of natural light throughout. This space flows into the kitchen and dining with both bedrooms and bathrooms off to your left. Each of these rooms stay true to the Spanish architecture of this

    Steve Price Keller Williams San Diego Metro

    4517 Copeland Ave, San Diego, CA 92116
  • /37

    $4,295,000

    • 4 Beds
    • 3.5 Baths
    • 3,661 Sq Ft

    4430 Arista St, San Diego, CA 92103

    Welcome to this tastefully restored 1943 gem in the heart of Mission Hills! Spanning 3,661 square feet, this 4 Bedroom, 3.5 Bathroom residence masterfully blends timeless architectural charm with modern comforts. Inside you will find white oak flooring throughout, quartzite taj mahal countertops, porcelain bathroom tiles, all new custom kitchen with Cafe appliances. Situated in a coveted

    Ross Clark Compass

    4430 Arista St, San Diego, CA 92103
  • /28

    $835,000

    • 2 Beds
    • 2 Baths
    • 1,072 Sq Ft

    1601 India St Unit 207, San Diego, CA 92101

    Exceptional Little Italy Condo with expansive 29 ft. long Private Terrace: Welcome to Porto Siena, a premier residential address in the heart of San Diego’s most vibrant neighborhood—Little Italy. This spacious 2-bedroom, 2-bath condo offers a rare and highly coveted feature: a large private terrace that spans the length of the unit, creating seamless indoor-outdoor living. Accessible from the

    Ron Rooney Compass

    1601 India St Unit 207, San Diego, CA 92101
  • /51

    $924,900

    • 3 Beds
    • 2 Baths
    • 1,275 Sq Ft

    2164-66 S 40th St, San Diego, CA 92113

    Rare opportunity – two separate homes on one expansive lot, offering a perfect blend of privacy, space and versatility. Potential for multi-generational living, rental income, or a live/rent setup. The front unit is a 1 bed / 1 bath with the garage currently being used as a bonus living space and home office. Tucked away at the rear of the property, the back unit features 2 beds / 1 bath, a

    Erin Hawn Willis Allen Real Estate

    2164-66 S 40th St, San Diego, CA 92113
  • /24

    $845,000 Open Fri 2PM - 5PM

    • 4 Beds
    • 3 Baths
    • 1,202 Sq Ft

    1320 Vinca Way, San Diego, CA 92114

    Welcome to this stunning single-family home featuring 3 spacious bedrooms, 2 full bathrooms, plus a garage conversion offering an additional 1 bedroom and 1 full bath—perfect for guests, extended family, or rental income! Every inch of this home has been thoughtfully renovated with a modern touch, showcasing sleek finishes, stylish fixtures, and an open-concept layout ideal for both everyday

    Monica Vasquez Coldwell Banker West

    1320 Vinca Way, San Diego, CA 92114
  • /28

    $750,000 Open Sun 11AM - 2PM

    • 3 Beds
    • 2 Baths
    • 1,392 Sq Ft

    211 S Pardee St, San Diego, CA 92113

    Beautifully Remodeled 3-Bedroom Home in Prime San Diego Location – R-2 Zoned with Alley Access! Welcome to this fully remodeled gem in the heart of San Diego! Offering 1,392 sq. ft. of modern living space, this 3-bedroom, 2-bath home combines comfort, style, and versatility. Zoned R-2 with convenient alley access, the property offers future potential for additional units or an ADU (buyer to

    Monica Vasquez Coldwell Banker West

    211 S Pardee St, San Diego, CA 92113
  • /31

    $519,900

    • 2 Beds
    • 2 Baths
    • 1,081 Sq Ft

    1915 Via Las Palmas Unit 32, National City, CA 91950

    Welcome to 1915 Via Las Palmas Unit 32A – a beautifully updated 2 bed, 2 bath condo nestled in a well-maintained, VA-approved community in National City. This open-concept home has been thoughtfully remodeled from top to bottom, featuring a stunning kitchen with oak shaker-style cabinets, sleek quartz countertops, waterfall peninsula island, and modern fixtures throughout. Relax in the spacious

    Gustavo Guzman CA-RES

    1915 Via Las Palmas Unit 32, National City, CA 91950
  • /31

    $799,000

    • 4 Beds
    • 3 Baths
    • 1,378 Sq Ft

    4117 Jamul Ave, San Diego, CA 92113

    Beautifully Remodeled Home with Bonus 1-Bedroom Unit – Ideal for Multi-Generational Living or Income Potential. This upgraded 3 bed / 2 bath home blends historic charm with modern finishes. The main residence features an open-concept layout, a stylish kitchen with quartz countertops, stainless steel appliances, & laminate flooring throughout the living & dining areas. The primary suite includes

    Ronald Saenz Remodel Realty, Inc

    4117 Jamul Ave, San Diego, CA 92113
  • /22

    $6,345,000

    • 5 Beds
    • 5 Baths
    • 19,122 Sq Ft

    930 B Ave, National City, CA 91950

    930 B Ave National City, "The French Quarters" presents the opportunity to acquire a rarely traded 27 unit garden style asset located in National City’s most desirable corridor. The property is located one parcel away from the Historical Landmarks of Brick Row & Heritage Square and within a 3 minute walk of all the activity Kimball Park, E 8th St, and National City Blvd have to offer. The asset

    Wendell Hindley Moto Real Estate, Inc.

    930 B Ave, National City, CA 91950
  • /10

    $1,975,000 Open Thu 12PM - 2PM

    • 6 Beds
    • 5 Baths
    • 2,300 Sq Ft

    3623 Louisiana St, San Diego, CA 92104

    Welcome to 3623–25 Louisiana Street—a modern, well-kept triplex right in the heart of San Diego’s vibrant North Park neighborhood. Sitting on a 0.12-acre lot, this unique setup includes a spacious front single-family home and a duplex in the back, offering a total of approximately 2,602 square feet of living space. The front home, built in 2013, features generous square footage, stylish finishes,

    Aaron Marcusmillichap Marcus & Millichap

    3623 Louisiana St, San Diego, CA 92104
  • /26

    $1,175,000

    • 1 Bed
    • 1 Bath
    • 855 Sq Ft

    744 Olive Ave Unit 3, Coronado, CA 92118

    Beautiful and spacious single level one bedroom corner unit located in Duxbury West in the Village of Coronado with close proximity to the library, schools, shops and restaurants. This unit features a large wraparound patio and attached single car garage with multiple access points to the home and in unit laundry. Meticulously maintained over the years as reflected by the pride of ownership.

    Ryan Koubeserian The Coronado Shores Company Inc

    744 Olive Ave Unit 3, Coronado, CA 92118
  • /22

    $730,000

    • 2 Beds
    • 1 Bath
    • 943 Sq Ft

    2111 O Ave, National City, CA 91950

    Come see 2111 O Avenue — a delightful 2-bedroom, 1-bath home located on a sprawling 6,600 sq ft lot in the heart of National City. This well-maintained & updated home offers an open, bright floor plan featuring updated kitchen, newer windows, designer lighting & finishes, original hardwood floors, and custom blinds throughout. Enjoy a spacious living room, a generously sized kitchen and dining

    Bobby Martins eXp Realty of California, Inc

    2111 O Ave, National City, CA 91950
  • /39

    $1,595,000

    • 7 Beds
    • 3 Baths

    3371 A St, San Diego, CA 92102

    South Park charmer with income potential!! Live the vibrant South Park lifestyle while generating income! This unique Triplex property includes a stylish and updated 3 bedroom/ 1 bath residence featuring vaulted ceilings, a cozy fireplace, private backyard and attached garage. Behind it, is a detached Duplex that includes two spacious and remodeled 2 bed/1 bath units, each with private fenced

    Ami Lewallen Red Rhino Realty, Inc.

    3371 A St, San Diego, CA 92102
  • /16

    $738,000

    • 2 Beds
    • 2 Baths
    • 832 Sq Ft

    2235 Linwood St Unit A7, San Diego, CA 92110

    Top floor, end-unit 2BD/2BA condo with dual master suites and sweeping views of San Diego Bay and Point Loma. Perfectly located just minutes from Old Town, Mission Hills, Downtown, Little Italy, Point Loma, and the beach, with easy access to Highways 5 & 8. This light-filled home features hardwood floors, updated bathrooms, stainless steel appliances, a private balcony and entry patio, and

    Nic Lindsay-Dial 101 Realty, Inc.

    2235 Linwood St Unit A7, San Diego, CA 92110
  • /21

    $199,000 Open Sat 12PM - 2PM

    • 2 Beds
    • 2 Baths
    • 796 Sq Ft

    402 63rd St Unit 21, San Diego, CA 92114

    Welcome to this beautiful All Ages Park! A beautifully updated 2-bedroom, 2 bath home in the vibrant, at the gated Summit Ridge community park of San Diego. Thoughtfully designed with an open-concept layout, in-unit laundry room, this home offers both comfort and style. Step outside your door and enjoy the amenities that include a sparkling pool, a jacuzzi, a clubhouse, and a playground — all

    Yesenia Ramirez Premier Agency R.E. Inc

    402 63rd St Unit 21, San Diego, CA 92114
  • /35

    $559,000

    • 1 Bed
    • 1 Bath
    • 803 Sq Ft

    3211 5th Ave Unit 202, San Diego, CA 92103

    Best Priced Loft in the City – Iconic Urban Living in Bankers Hill! Discover a rare opportunity to own a striking loft in one of San Diego’s most sought-after neighborhoods. Once home to the mid-century FBI Headquarters, this historic industrial-modern building has been thoughtfully reimagined to deliver style, character, and prime location in one unforgettable package. Inside, you’re welcomed

    Vincent Cavataio Berkshire Hathaway HomeServices California Properties

    3211 5th Ave Unit 202, San Diego, CA 92103
  • /72

    $1,049,900

    • 2 Beds
    • 2 Baths
    • 1,184 Sq Ft

    500 W Harbor Dr Unit 919, San Diego, CA 92101

    Breathtaking views of the Coronado bridge from this east facing residence situated in one of downtown San Diego’s most sought-after buildings; CityFront Terrace. Boasting a split bedroom layout pertaining large bay windows, custom cabinetry, premium Subzero and GE Profile stainless steel appliances, gas cooktop, granite counter tops, dual vanity sinks in the primary bathroom, glass enclosed

    Erik Romero Rennie Group

    500 W Harbor Dr Unit 919, San Diego, CA 92101
  • /25

    $1,130,000

    • 3 Beds
    • 3 Baths
    • 930 Sq Ft

    4609 E Mountain View Dr, San Diego, CA 92116

    Welcome to an income-ready Normal Heights home with ADU and substantial upside. The main house is upgraded to perfection: luxury vinyl plank floors, quartz island, custom tile backsplash, soft-tone shaker cabinets, stainless steel appliances, dual-pane windows, and designer finishes throughout. Tucked in the backyard is a separate 300?sf detached ADU (built 2020) with its own access, kitchen,

    Claude Blackman RE/MAX Tidal

    4609 E Mountain View Dr, San Diego, CA 92116
  • /27

    $799,000

    • 3 Beds
    • 1.5 Baths
    • 2,305 Sq Ft

    3518 Isla Vista Dr, San Diego, CA 92105

    Step into this fun and one-of-a-kind 3 bedroom home with a corner lot located in Islenair neighborhood! Featuring newly remodeled kitchen with newer appliances, remodeled bathrooms perfect for everyday living and entertaining. Enjoy gorgeous hardwood floors and fully soundproof room - ideal for musicians, podcasters, or creatives. This home could easily be a 4 bedroom with two extra rooms gives

    Laura Weitzel LPT Realty,Inc

    3518 Isla Vista Dr, San Diego, CA 92105
  • /39

    $995,000

    • 2 Beds
    • 2.5 Baths
    • 1,617 Sq Ft

    4057 1st Ave Unit 102, San Diego, CA 92103

    Step into timeless elegance with this beautifully designed 2-bedroom, 2.5-bath townhouse-style residence in the desirable Wellington Square community. Enter through a charming European-style courtyard and discover a home that seamlessly blends classic sophistication with today’s lifestyle needs. The interior features spacious living areas accented by warm wood flooring and sparkling designer

    Brian Yaw Scott & Quinn Real Estate

    4057 1st Ave Unit 102, San Diego, CA 92103
  • /72

    $1,895,000

    • 5 Beds
    • 4 Baths
    • 3,150 Sq Ft

    1825 Cypress Ave, San Diego, CA 92103

    Variance granted Detached. Situated perfectly between North Park & Hillcrest! Must see 1914 Home with a fabulous VIEW, situated on a spacious 6,349 SF LOT. The upper-level main home has the most amazing views and exudes character and history with 3bedrooms/2baths, and sunroom. Charming period details throughout such as gorgeous trim and high ceilings. The beautiful lower unit is a 2bd/2ba and

    Elsa Benedict Compass

    1825 Cypress Ave, San Diego, CA 92103
  • /19

    $285,000

    • 1 Bed
    • 1 Bath
    • 500 Sq Ft

    801 National City Blvd Unit 913, National City, CA 91950

    Welcome to Unit 913 at Baytower, a bright and modern 1-bedroom, 1-bath condo on the 9th floor with stunning views. This inviting space features an open-concept layout, a fully equipped kitchen with stainless steel appliances. The spacious bedroom offers a large closet and direct access to a private balcony, perfect for relaxing. Residents enjoy access to great amenities, including a pool, spa,

    Norma Roth Coldwell Banker West

    801 National City Blvd Unit 913, National City, CA 91950
  • /24

    $265,000

    • 1 Bed
    • 1 Bath
    • 500 Sq Ft

    801 National City Blvd Unit 714, National City, CA 91950

    Welcome to Unit 714 at Bay Tower, a bright and modern 1-bedroom, 1-bath condo on the 7th floor with stunning views. This inviting space features an open-concept layout, a fully equipped kitchen with stainless steel appliances, and plenty of cabinet space. The spacious bedroom offers a large closet and direct access to a private balcony, perfect for relaxing. Residents enjoy access to great

    Norma Roth Coldwell Banker West

    801 National City Blvd Unit 714, National City, CA 91950
  • /12

    $285,000

    • Studio
    • 1 Bath
    • 311 Sq Ft

    207 5th Ave Unit 507, San Diego, CA 92101

    Own California's Hottest Lifestyle in the Gaslamp Downtown SD. The "Hard Rock" Hotel San Diego. This is an incredible opportunity to own a piece of the Rock! A Hard Rock Suite that's classy, unique in the heart of it all Gaslamp Downtown San Diego. Best location at the Hard Rock this Studio is on the 5th floor with City & Night Lights facing the Woodstock & Pool area and you can be in the center

    JoJo Giordano Berkshire Hathaway HomeServices California Properties

    207 5th Ave Unit 507, San Diego, CA 92101
  • /62

    $1,149,000

    • 5 Beds
    • 2 Baths
    • 1,120 Sq Ft

    2661 Montclair St, San Diego, CA 92104

    3 bedroom 2 bathroom home tucked away in a tranquil, hidden pocket of North Park! Overlooking Montclair Neighborhood Park and capturing sweeping mountain vistas, this home invites you to enjoy the best of indoor-outdoor San Diego living. An added bonus are 2 versatile rooms that are ideal for a home office, playroom, guest suite, or studio. With its flexible layout, there’s incredible potential

    Molly Paulo TXR Homes, Inc.

    2661 Montclair St, San Diego, CA 92104
  • /32

    $499,000

    • 1 Bed
    • 1 Bath
    • 640 Sq Ft

    4319 5th Ave, San Diego, CA 92103

    A Hillcrest Hidden Gem has hit the market which rarely happens in the private community of Canyon Woods. This one bed one bath hidden retreat is located at the very bottom of the cul-de-sac, with no other units in front of yours. With your parking space just a few steps from your front door, plenty of guest and street parking, it's a place you definitely can feel right at home. Conveniently

    Frankie Valadez Team Z Realty

    4319 5th Ave, San Diego, CA 92103
  • /41

    $1,070,000

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

    5442 San Onofre Terrace, San Diego, CA 92114

    New Price! Grand split-level home, nearly 2,000 sqft, on a 10,000 sqft lot! Home was recently remodeled in 2020. Solar Owned! Perfect for any wanting extra space, multi-generational iving, or savvy investors wanting to turn into an upstair/downstair multi-unit and/or add additional ADUs! This wonderful 5-bed, 3-bath residence is thoughtfully designed: - Upper Level: 3-bed, 2-bath layout - Lower

    Luis Blanco Luis Blanco Real Estate

    5442 San Onofre Terrace, San Diego, CA 92114
  • /21

    $625,000

    • 2 Beds
    • 1 Bath
    • 1,174 Sq Ft

    3647 Lemona Ave, San Diego, CA 92105

    Oak Park Opportunity. Enjoy this spacious 2-bedroom, 1-bath home that sits on a large, multi-level lot, this property offers endless possibilities. The upper tier of the lot is open and private. This is a rare chance to own in the up-and-coming Oak Park / City Heights area.

    Trang Ngo Keller Williams Realty

    3647 Lemona Ave, San Diego, CA 92105
  • /25

    $359,000

    • 1 Bed
    • 1 Bath
    • 558 Sq Ft

    4230 48th St Unit 9, San Diego, CA 92115

    Looking for a stylish, move-in-ready place in a great location? This top-floor condo has everything you need—and a few things you’ll love. The open kitchen features granite countertops, stainless steel appliances, bar seating, and pendant lighting, perfect for cooking, entertaining, or just hanging out. All of the appliances are included, so you’re set from day one. You’ll also get your own

    Brian Yaw Scott & Quinn Real Estate

    4230 48th St Unit 9, San Diego, CA 92115
  • /40

    $668,000

    • 2 Beds
    • 2 Baths
    • 1,228 Sq Ft

    5865 Friars Rd Unit 3402, San Diego, CA 92110

    Welcome to this light, bright and serene corner unit in the gated community of The Courtyards. This 2 bedroom, 2 bathroom condo has spacious rooms, lovely upgrades and a functional floor plan. Upon entering the home, you will find a large and open kitchen with plenty of storage, stainless steel appliances and bar that opens into the living room. The living room has newer oversized windows with

    Mary Aronoff Douglas Elliman of California, Inc.

    5865 Friars Rd Unit 3402, San Diego, CA 92110
  • /20

    $1,600,000

    • 2 Beds
    • 1.5 Baths
    • 1,334 Sq Ft

    1320 Granada Ave, San Diego, CA 92102

    Welcome to this beautiful 1925 Craftsman-style bungalow, where historic charm meets modern comfort. Rich in architectural detail, this home features 2 bedrooms, 1.5 bathrooms, a versatile den/office, a striking 14-foot-long mantle that frames the original Batchelder fireplace, flanked by end-to-end glass-front built-in bookcases, adding warmth, elegance, and distinction to the living space.

    Jeriko A. Sosa GFI

    1320 Granada Ave, San Diego, CA 92102
  • /29

    $799,000

    • 4 Beds
    • 3 Baths
    • 1,414 Sq Ft

    5051 Pelusa St, San Diego, CA 92113

    Looking for a spacious 4 bedroom 3 bathroom home close to Navy Base San Diego and Centrally located to everything? This is the home! Located on a quiet street with a white picket fence front yard. You will love the privacy and convenience this home has to offer. The Garage was converted to a Primary Suite and bathroom with its own entrance with potential to convert to an ADU! New Roof, new Owned

    Crystal Hall Real Broker

    5051 Pelusa St, San Diego, CA 92113
  • /28

    $440,000

    • Studio
    • 1 Bath
    • 525 Sq Ft

    445 Island Ave Unit 312, San Diego, CA 92101

    COMPLETELY FURNISHED adorable Home in the Heart of the GAS LAMP District. Owner spared no expense in furnishing this stunning condo featuring a $5,000 + custom CAL-KING BED from SPACES of San Diego, Washer/Dryer to linens & kitchenware! Just bring your toothbrush! Located in the most Prime location in the building, facing inner courtyard & pool area so is quieter than properties facing outward to

    Mike Althof Hunter & Maddox Intl. Inc.

    445 Island Ave Unit 312, San Diego, CA 92101

Showing Results 401 - 440, Page 11 of 18

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