547

San Jose, CA Houses for Sale

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  • /31

    $2,029,888

    • 3 Beds
    • 2 Baths
    • 1,242 Sq Ft

    408 Casita Ct, San Jose, CA 95129

    PRICED TO SELL! "MOVE IN READY" Best Value for "Cupertino Schools", CUPERTINO HIGH. TOTALLY REMODELED Single Level Home with HUGE BACKYARD in a Peaceful Court. Home features New paint inside and out, New roof, New flooring, Remodeled Kitchen and Baths, New cooling/heating system, New dishwasher and New washer/dryer. The huge backyard has lush trees, plants, large lawn and a Built in Playground.

    Gary Morgan Realty One Group Infinity

    408 Casita Ct, San Jose, CA 95129
  • /29

    $1,299,888

    • 3 Beds
    • 3 Baths
    • 2,262 Sq Ft

    761 Batista Dr, San Jose, CA 95136

    Rare One of a Kind Single Family home in highly sought-after Communication Hills. Charming 3 bedroom property. First floor has 2 bedrooms and 1 Full Bathroom. Second Floor is open layout between kitchen, Dining and living room. Office on the 2nd floor as well as private patio. Primary Bedroom & Bathroom on the 3rd floor. Come and look at this beautiful gem with great walking trails, near

    Shamil Nawar

    761 Batista Dr, San Jose, CA 95136
  • /51

    $3,749,999

    • 3 Beds
    • 2.5 Baths
    • 3,141 Sq Ft

    2206 Coastland Ave, San Jose, CA 95125

    Spanish-Inspired Estate on a Rare 27,225 SqFt Lot. A Canvas for Visionary Living. Nestled in the heart of Willow Glen, this exquisite Spanish-style estate sits on a 27,225 SqFt lot, a private sanctuary with a rare opportunity for luxury resort retreat and visionary development. With potential to develop a luxury retreat, wellness center, or exclusive event venue, this property offers strong

    Tammie Trinh LPT Realty

    2206 Coastland Ave, San Jose, CA 95125
  • /40

    $985,000

    • 2 Beds
    • 1 Bath
    • 942 Sq Ft

    385 Edwards Ave, San Jose, CA 95110

    Experience the charm of this beautiful home which was previously remodeled down-to-the-studs with permits. featuring copper plumbing and updated wiring. Enjoy modern comforts with laminate floors, travertine tiles, and an eat-in kitchen equipped with corian counters, shaker cabinets, stainless steel appliances and barn door. Highlights Include: Dual pane windows and newer central heating/cooling

    Demphina Ogutu Compass

    385 Edwards Ave, San Jose, CA 95110
  • /17

    $1,999,888

    • 5 Beds
    • 2.5 Baths
    • 2,072 Sq Ft

    2857 Norcrest Dr, San Jose, CA 95148

    Experience the epitome of city living with serene views of foothills in this beautifully renovated 5-bedroom, 2.5-bath home situated on a quarter acre lot in Evergreen. Step through the elegant double door entry into a spacious foyer, leading to a living room and formal dining area. The open concept kitchen features quartz countertops, stainless steel appliances, recessed lighting, and custom

    Tina Tovar CENTURY 21 Masters

    2857 Norcrest Dr, San Jose, CA 95148
  • /24

    $1,698,000

    • 3 Beds
    • 2 Baths
    • 1,560 Sq Ft

    3173 Hostetter Rd, San Jose, CA 95132

    Value, Value and more Value: Experience the meticulous care of Aerospace professionals in this Silicon Valley retreat. Pride of ownership is evident through a wealth of valuable upgrades that are finalized and permitted. Enjoy peace of mind with a new termite clearance, including fumigation, as well as updated gas, water, and sewer piping. This property is on the market for the first time in

    Pat Kapowich Kapowich Real Estate

    3173 Hostetter Rd, San Jose, CA 95132
  • /49

    $2,499,000

    • 7 Beds
    • 2.5 Baths
    • 2,600 Sq Ft

    1131 Carla Dr, San Jose, CA 95120

    7 Bedrooms! Step into a lifestyle of comfort and sophistication nestled in the coveted Crossgate neighborhood of Almaden Valley. Seven bedrooms including a convenient ground-level suite. The curb appeal is undeniable, with meticulously landscaped grounds, a winding stone walkway, and a stately facade that welcomes you home. Inside, rich Brazilian cherry hardwood floors flow seamlessly through

    Therese Swan VFlight Real Estate

    1131 Carla Dr, San Jose, CA 95120
  • /28

    $2,300,000

    • 5 Beds
    • 3 Baths
    • 2,400 Sq Ft

    1992 Montemar Way, San Jose, CA 95125

    Welcome to this spacious 5-bedroom, 3-bathroom home located in the vibrant city of San Jose. With a generous 2,014 sq ft of living space, this property is perfect for those seeking comfort and convenience. The kitchen is a culinary delight, featuring granite countertops, stainless steel gas cooktop, oven and refrigerator. Enjoy a wine and beverage refrigerator in the family room. Large open

    Greg Goumas Modern Homes Realty

    1992 Montemar Way, San Jose, CA 95125
  • /80

    $1,599,000

    • 4 Beds
    • 3 Baths
    • 2,364 Sq Ft

    355 S 17th St, San Jose, CA 95112

    Classic Craftsman home and BRAND NEW high quality ADU, for a total of a 4 bed 3 bath 2364 sqft of living space. The charming main house is 1772 sqft with 3 bedrooms and 2 baths. The fully permitted and separately metered ADU is approximately 592 sqft with 1 bedroom and 1 bath. This home sits on the very quiet street in the desirable Naglee Park neighborhood just two blocks from William Street

    Faris-Taylor Team Intero Real Estate Services

    355 S 17th St, San Jose, CA 95112
  • /35

    $1,495,000

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

    5974 Cabral Ave, San Jose, CA 95123

    Dont miss this recently renovated, cozy home nestled on a spacious cul-de-sac lot. Perched against the foothills, it offers breathtaking views that will make you feel like youre far from Blossom Valley. The entire house has been newly renovated, with new floors throughout that create a warm and inviting atmosphere. Large windows flood the space with natural light, making it perfect for hosting

    Warren Newsome Real Estate 38

    5974 Cabral Ave, San Jose, CA 95123
  • /19

    $1,100,000

    • 3 Beds
    • 3 Baths
    • 1,700 Sq Ft

    1175 Whitton Ave, San Jose, CA 95116

    Welcome to 1175 Whitton Avenue, a charming and versatile 3-bedroom, 3-bathroom home offering 1,700 sq. ft. of thoughtfully designed living space situated in a desirable San Jose neighborhood. Zoned R2, this property presents a unique opportunity for multi-generational living, rental income, or future development (buyer to verify). The detached garage offers excellent ADU conversion potential,

    Star Jimenez Jimenez Pursuit Properties, Inc.

    1175 Whitton Ave, San Jose, CA 95116
  • /45

    $1,999,800 Open Sat 2PM - 5PM

    • 5 Beds
    • 3.5 Baths
    • 2,678 Sq Ft

    1726 Cheney Dr, San Jose, CA 95128

    Best location to LIVE and INVEST in a beautiful area and REMODELED home. Welcome to this high vaulted ceiling spacious 5-beds, 3.5-baths home located on a quiet elegant road the AI driven city of SJ. With a generous 2,678 sq ft of living space home, this property offers ample room for your family. The kitchen has the open concept,featuring quartz countertops, with hood cooking range and equipped

    Theresa Thach Intero Real Estate Services

    1726 Cheney Dr, San Jose, CA 95128
  • /12

    $1,578,888

    • 4 Beds
    • 2 Baths
    • 2,627 Sq Ft

    2138 E San Antonio St, San Jose, CA 95116

    Welcome to an Investment opportunity at 2138 E San Antonio Street - 3 separate structures, all rentable and all rented. This large, flat lot of 12,600 sq ft has abundant possibilities for the new owner. Close to downtown San Jose, Capitol Expressway and the brand-new BART Station, Hwy 680, 280, 101 and Alum Rock Ave, also located in an area of downtown that continues to grow and redefine itself

    Jeffrey Pratt Coldwell Banker Realty

    2138 E San Antonio St, San Jose, CA 95116
  • /43

    $1,580,000 Open Sat 12PM - 5PM

    • 4 Beds
    • 3.5 Baths
    • 2,210 Sq Ft

    2957 Valley of Hearts Delight Place, San Jose, CA 95136

    Step inside 2957 Valley of Hearts Delight Place—a beautifully upgraded tri-level home which was once the model home for the builder so this is a one of a kind - no other homes in the community will have these finishes and upgrades! Located in San Jose’s sought-after Communications Hill. This 4-bed, 3.5-bath residence blends modern design with a functional layout and thoughtful upgrades. The

    Andy Choe Keller Williams Realty

    2957 Valley of Hearts Delight Place, San Jose, CA 95136
  • /18

    $1,899,888

    • 3 Beds
    • 2 Baths
    • 1,266 Sq Ft

    1472 Fairhaven Ct, San Jose, CA 95118

    Charming Move in Ready Single-Story in a Prime San Jose Location. Welcome to 1472 Fairhaven Ct, thoroughly updated, this delightful 3-bedroom, 2-bathroom single-family home is nestled on a spacious cul-de-sac lot in a sought-after San Jose neighborhood. Offering 1,266 sq ft of comfortable living space and an expansive 8,276 sq ft lot, perfect for indoor-outdoor living and entertaining. Step

    Benny Ng Core Vision Realty

    1472 Fairhaven Ct, San Jose, CA 95118
  • /16

    $899,000

    • 2 Beds
    • 2 Baths
    • 1,296 Sq Ft

    947 S 11th St, San Jose, CA 95112

    Fantastic Investment Opportunity or Ideal Owner-Occupant Property! This duplex features two 1-bedroom, 1-bath units with a combined 1,296+/- sq ft of living space, all situated on a generous 7,290+/- sq ft lot. The property includes a spacious shared backyard, a convenient shared laundry room, a large two-car garage, and plenty of off-street parking. Ideally located near major freeways, San Jose

    Kathleen Tuttle Compass

    947 S 11th St, San Jose, CA 95112
  • /31

    $1,535,000

    • 4 Beds
    • 2.5 Baths
    • 1,793 Sq Ft

    1507 Timber Creek Dr, San Jose, CA 95131

    Discover this modern and well prepared home, fully upgraded four-bedroom, three-bath nestled in the Berryessa neighborhood. Featuring stunning granite countertops, elegant stone flooring, and soaring high ceilings, this residence is designed for comfort and style. Abundant natural sunlight fills the spacious rooms, creating a warm and inviting atmosphere. Located in a quiet suburb with excellent

    Tabatha Luiza KW Silicon City

    1507 Timber Creek Dr, San Jose, CA 95131
  • /29

    $1,519,500

    • 4 Beds
    • 2.5 Baths
    • 2,124 Sq Ft

    443 Thames Park Ct, San Jose, CA 95136

    Price Improvement! Welcome to one of the most desirable lots in the Vista Park neighborhood. This property is a dream family home, situated on a premium lot within a peaceful cul-de-sac and adjacent to Meadows Park! The thoughtfully designed Arcadia floor plan includes spacious living and dining areas, perfect for both everyday living and entertaining. Large windows allow natural light to flood

    Ken Del Castillo Anthony F. Gargiulo, Broker

    443 Thames Park Ct, San Jose, CA 95136
  • /19

    $1,149,000

    • 3 Beds
    • 1 Bath
    • 1,220 Sq Ft

    494 Madera Ave, San Jose, CA 95112

    Bright, sunny bungalow built in 1930, featuring original wainscoting and architectural details. With fresh paint (inside and out), new dual pane windows and flooring throughout, this home shines! The sunny kitchen boasts recently installed sink and cabinet with quartz countertop, new stainless steel refrigerator, range and dishwasher. Outside you will find an extra long partially gated driveway,

    Kim Carmassi Coldwell Banker Realty

    494 Madera Ave, San Jose, CA 95112
  • /63

    $1,188,000

    • 4 Beds
    • 2.5 Baths
    • 1,577 Sq Ft

    2071 Sunset View Place, San Jose, CA 95116

    REDUCED PRICE====Welcome to this charming 4-bedroom, 2.5-bathroom home nestled in the vibrant city of San Jose. This spacious 1,577 square feet residence offers a well-equipped kitchen featuring a 220-volt outlet, dishwasher, garbage disposal, and oven range, perfect for culinary enthusiasts. The dining area includes both a cozy breakfast nook and a separate dining "L" for versatile dining

    Mario R. Vista MVWA1328 Inc

    2071 Sunset View Place, San Jose, CA 95116
  • /51

    $1,698,000

    • 5 Beds
    • 2.5 Baths
    • 1,772 Sq Ft

    3139 Laneview Dr, San Jose, CA 95132

    Welcome to this beautifully home Located in a quiet and friendly neighborhood, offering a light and bright interior with abundant natural sunlight throughout. Freshly painted inside and out, this residence features 5 bedrooms, 2.5 bathroom, a well-appointed kitchen with granite countertops, perfect for everyday living and entertaining. The home also includes a generously sized garage with ample

    William Pan Green Valley Realty USA

    3139 Laneview Dr, San Jose, CA 95132
  • /35

    $1,499,900

    • 3 Beds
    • 2 Baths
    • 1,707 Sq Ft

    7137 Via Solana, San Jose, CA 95135

    This updated single story SINGLE-FAMILY HOME located in the Villages Golf & Country Club provides all the amenities and security of living in a gated community but with LOW HOA fees. It is situated on a quiet cul-de-sac and offers expansive backyard views of the open space that borders the Villages. This home features 3 bedrooms, 2 baths, separate dining room, and an oversized two-car garage to

    Donna Castillo Intero Real Estate Services

    7137 Via Solana, San Jose, CA 95135
  • /30

    $1,399,000

    • 4 Beds
    • 3 Baths
    • 1,808 Sq Ft

    263 Vineyard Dr, San Jose, CA 95119

    Price Reduction!! A must see!!! Prime Location: Situated in a desirable neighborhood with easy access to schools, shopping, and dining. A rare opportunity to own this single family home.This home blends amenities with classic charm, offering double paned windcws, comfortable space with 4 bedrooms.and a den (could be a 5th bedroom) 3 full baths ,living room, private family or play room with

    Maureen Yue Berkshire Hathaway HomeServices Drysdale Prop

    263 Vineyard Dr, San Jose, CA 95119
  • /55

    $1,098,889

    • 4 Beds
    • 3 Baths
    • 1,738 Sq Ft

    351 S 23rd St Unit A, San Jose, CA 95116

    Located in the vibrant city of San Jose, this spacious Victorian Home offers 1,738 square feet of living space on a 6,780 square foot lot. The residence features 4 bedrooms with a den and 3 full bathrooms, including one with a combined shower and tub, all adorned with granite and tile finishes. The kitchen, seamlessly connected to the family room, is perfect for both everyday living and

    Niem Nguyen Tuscany Real Estate Services, Inc.

    351 S 23rd St Unit A, San Jose, CA 95116
  • /19

    $1,264,800

    • 4 Beds
    • 2.5 Baths
    • 1,732 Sq Ft

    175 Page Mill Dr, San Jose, CA 95111

    Contractors Special! Investors make offer!! Don't miss your chance to own this inviting two-story home nestled in a peaceful, established neighborhood. With 4 spacious bedrooms and 2.5 bathrooms, this home is ideal for first-time buyers, contractors, or savvy investors looking for a solid opportunity. Step into a light-filled living room with recessed lighting and tile flooring, offering a

    Robin Wickman BRG Realty

    175 Page Mill Dr, San Jose, CA 95111
  • /39

    $1,199,000

    • 5 Beds
    • 5.5 Baths
    • 2,918 Sq Ft

    1837 S White Rd, San Jose, CA 95127

    Calling All Small Business Owners! This unique property is ideal for entrepreneurs, creatives, or service professionals looking to run a small business from home. With flexible living areas, private entrances, and income potential, you can work where you live and offset your mortgage. This 5-bed, 5.5-bath home sits on a spacious 10,890 sq.ft. lot with 2,918 sq.ft. of thoughtfully designed living

    Timothy Chau KW Silicon City

    1837 S White Rd, San Jose, CA 95127
  • /47

    $2,740,000

    • 4 Beds
    • 3.5 Baths
    • 2,556 Sq Ft

    1101 Culligan Blvd, San Jose, CA 95120

    Refined elegance defines this renovated executive home in Almaden Valley. Set on manicured grounds with paver driveway and custom stone walkways, the grand arched entry opens to a formal foyer and stunning Brazilian Cherry staircase. The chefs kitchen boasts Monogram appliances, custom cabinetry by LoNardos, quartz countertops, and a breakfast barall flowing into a light-filled family room with

    Jackie Jones Coldwell Banker Realty

    1101 Culligan Blvd, San Jose, CA 95120
  • /26

    $1,198,888

    • 4 Beds
    • 2.5 Baths
    • 1,911 Sq Ft

    334 N 15th St, San Jose, CA 95112

    **Charming Home Historic Central San Jose** Welcome to 344 N 15th Street a timeless 4-bedroom, 2.5-bath home nestled on a wide, tree-lined street in one of San Jose's most charming historic neighborhoods. Offering both classic appeal and everyday comfort. Inside, you will find spacious living areas filled with natural light. Thoughtful upgrades include updated bathrooms and kitchen, along with

    Christina Gutierrez Compass

    334 N 15th St, San Jose, CA 95112
  • /77

    $2,299,000

    • 4 Beds
    • 2.5 Baths
    • 2,007 Sq Ft

    6071 Vilmar Ave, San Jose, CA 95120

    Beautifully situated in San Jose, this 2,007 sq ft faced East home offers comfort and convenience in the desirable Union Elementary School District. The spacious kitchen is a highlight, featuring granite countertops, a gas oven range, microwave, dishwasher, refrigerator, and garbage disposal designed to make cooking and entertaining a breeze. This home boasts 4 bedrooms, including a master with a

    Winnie Wang Maxreal

    6071 Vilmar Ave, San Jose, CA 95120
  • /25

    $2,798,000

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

    14600 Wyrick Ave, San Jose, CA 95124

    Welcome to 14600 Wyrick Avenue, a fully remodeled, single-story, ranch-style home in San Joses coveted Cambrian neighborhood, set on an oversized corner lot. Offering a spacious layout ideal for modern living. The large arched driveway provides a grand welcome for guests, while the lush yard features citrus trees as well as fruit trees. Wide, quiet streets make for perfect morning or evening

    Andy Tse Intero Real Estate Services

    14600 Wyrick Ave, San Jose, CA 95124
  • /18

    $1,099,888

    • 2 Beds
    • 2 Baths
    • 1,067 Sq Ft

    548 Lanfair Cir, San Jose, CA 95136

    Beautifully updated 2-bedroom, 2-bathroom house situated in the Carson and Meadows area of Blossom Valley. This home offers an open floor plan with vaulted ceilings that include recent upgrades like new flooring, bathrooms and a remodeled kitchen with stainless steel appliances. As a bonus, having an attached covered back patio is perfect for relaxing, entertaining or outdoor cooking. Situated

    Chris Boehner Richard G. Matusich & Assoc., Inc.

    548 Lanfair Cir, San Jose, CA 95136
  • /40

    $1,848,000

    • 4 Beds
    • 2.5 Baths
    • 2,150 Sq Ft

    1158 Gurney Ct, San Jose, CA 95132

    Welcome to Your Dream Home in the Heart of North Valley San Jose! Nestled in the highly sought-after Piedmont Hill neighborhood, this spacious and beautifully maintained 4-bedroom, 3-bathroom home offers the perfect blend of comfort, functionality, and location. Step through elegant double doors into a bright and airy formal living room, seamlessly connected to the dining areaideal for hosting

    Angie Nguyen Wonder Rates

    1158 Gurney Ct, San Jose, CA 95132
  • /12

    $1,588,000

    • 4 Beds
    • 2 Baths
    • 1,632 Sq Ft

    3250 Sylvan Dr, San Jose, CA 95148

    Check with listing agent for update******Open House will be hosted when drywall is up in the next one month. New framing, New Roof, New insulation, New Drywall, New Texture, New lights, New flooring, New Open Kitchen, New Electricity wires through out the whole house, New Bathrooms, New HVAC, New Electric Panels, New Stucco, New windows, New plumbing, New drainage. Buyer can choose their own

    Serena Zhang Coldwell Banker Realty

    3250 Sylvan Dr, San Jose, CA 95148
  • /36

    $1,999,999

    • 3 Beds
    • 2 Baths
    • 2,140 Sq Ft

    15241 Camelot Dr, San Jose, CA 95132

    SPECTACULAR VIEW!! Welcome to your private hillside retreat! This 3-bedroom, 2-bathroom rambler farmhouse offers unmatched views all the way to the bay, where city lights twinkle at night and nature surrounds you in peace and privacy. Step inside to find a renovated kitchen, rich hardwood floors, and large windows in the living and dining rooms that perfectly frame the spectacular landscape. The

    Michael Yoshihara CMB Realty and Mortgage, Inc.

    15241 Camelot Dr, San Jose, CA 95132
  • /33

    $2,499,000

    • 3 Beds
    • 2.5 Baths
    • 3,217 Sq Ft

    13225 Clayton Rd, San Jose, CA 95127

    Welcome to this stunning home with amazing views, the property features a spacious kitchen with an eating area, a center island w/sink, a 5-burner Viking stove, a Bosch dishwasher, microwave, warming drawer, Kitchen-Aid double ovens, and a 28 cu. ft. Samsung refrigerator. It also boasts can lighting, granite countertops, skylight, & hardwood floors.The home is equipped with Saltillo Mexican

    Cathy Lynam-Rohrs Christie's International Real Estate Sereno

    13225 Clayton Rd, San Jose, CA 95127
  • /25

    $999,000

    • 3 Beds
    • 2 Baths
    • 1,374 Sq Ft

    6281 Mountford Dr, San Jose, CA 95123

    Single story home nestled in the Santa Teresa foothills of the sought-after Blossom Valley neighborhood with views that will exceed your expectations. You will enter the screened double door entrance from a vaulted grand porch that leads to a formal entry that provides a first impression of grandeur. Vaulted ceilings enhance the kitchen and living room that has skylights allowing light onto this

    Janet Larsen Intero Real Estate Services

    6281 Mountford Dr, San Jose, CA 95123
  • /27

    $1,700,000

    • 4 Beds
    • 2 Baths
    • 2,084 Sq Ft

    4629 Royal Forest Ct, San Jose, CA 95136

    Excellent property located in the Vista Park neighborhood of San Jose. This charming 2084 sq. ft., 5 bedroom, 2 bathroom home is positioned within a neighborhood court for less traffic and has curb appeal too. This property has a remodeled kitchen, accent skylight, quartz countertops and large island for food prep and dining, plus stainless steel appliances. There are luxury vinyl plank floors

    Mike Campbell Firebrand Realty & Property Management

    4629 Royal Forest Ct, San Jose, CA 95136
  • /46

    $3,300,000

    • 5 Beds
    • 4 Baths
    • 4,174 Sq Ft

    7790 Lost View Rd, San Jose, CA 95120

    Experience the pinnacle of luxury living at this breathtaking estate nestled on 2.06 acres with panoramic hilltop views. This stunning five-bedroom, four-bathroom retreat boasts soaring ceilings, elegant fireplaces, The Kitchen has marble tile flooring, crown molding, recessed lighting, granite slab counter, tile backsplash and plenty of cabinetry. There is also floor to ceiling built-in

    Therese Swan VFlight Real Estate

    7790 Lost View Rd, San Jose, CA 95120
  • /23

    $1,129,999

    • 3 Beds
    • 2 Baths
    • 1,450 Sq Ft

    3443 Holly Dr, San Jose, CA 95127

    Fantastic Opportunity to make this your Own! Berryessa Home with Highly Regarded Piedmont Hills High! Nestled in North Valley/Berryessa, this home features a welcoming living room with cozy fireplace & hardwood floors.Dining area flows nicely into a lovely kitchen, with granite countertops, decorative backsplash, wood cabinetry, and stainless steel Viking range. Refrigerator included. Large

    Kristina Carter Realty One Group Infinity

    3443 Holly Dr, San Jose, CA 95127
  • /38

    $2,249,000

    • 4 Beds
    • 2 Baths
    • 2,241 Sq Ft

    1271 Avis Dr, San Jose, CA 95126

    New Price! This wonderful ranch home is located on a quiet street and lovely neighborhood! So much to enjoy with all fresh new interior paint, new lighting and newly sanded/stained wood floors in most all of the home (except the bathrooms). The updated kitchen has its own eating area and plenty of cabinets for all your kitchen needs. The separate dining room with a built in cabinet and new

    Gina Marciano Compass

    1271 Avis Dr, San Jose, CA 95126

Showing Results 441 - 480, Page 12 of 14

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