Schertz, TX Homes for Sale with No HOA Fee

• 

  

  

  /27

  $524,990

  New Construction

  • 3 Beds
  • 3 Baths
  • 2,519 Sq Ft

  2847 Reeves Ln, Schertz, TX 78108

  Introducing the Avalon I plan, an exceptional one-story home in the Homestead community. This unique residence boasts a captivating board and batten and stone front exterior, complemented by a spacious front porch that enhances its charm. Upon entering through the grand 8-foot front door, you're greeted by a sizable guest bedroom and an oversized study, providing ample space for both guests and

  Coventry Homes Builder

  2847 Reeves Ln, Schertz, TX 78108
• 

  

  

  /16

  $517,900

  New Construction

  • 3 Beds
  • 2 Baths
  • 2,026 Sq Ft

  2026W Plan at Homestead - 55', Schertz, TX 78108

  Entry leads to open family room with wall of windows. Kitchen features corner walk-in pantry and generous island with built-in seating space. Dining area set just across from kitchen. Primary suite includes bedroom with wall of windows. Double doors lead to primary bath with dual vanities, corner garden tub, separate glass-enclosed shower and walk-in closet. Home office with French doors set at

  Perry Homes Builder

  4932 Childress Ln Unit 38351798, Schertz, TX 78108
• 

  

  

  /3

  $528,900

  New Construction

  • 4 Beds
  • 3 Baths
  • 2,180 Sq Ft

  2180W Plan at Homestead - 55', Schertz, TX 78108

  Extended entry with 12-foot ceiling leads to open kitchen, dining area and family room with 10-foot ceilings throughout. Kitchen features walk-in pantry, generous counter space and inviting island with built-in seating space. Dining area features wall of windows. Family room features wall of windows. Primary suite with 10-foot ceiling and wall of windows. Double doors lead to primary bath with

  Perry Homes Builder

  4932 Childress Ln Unit 38351828, Schertz, TX 78108
• 

  

  

  /45

  $460,990

  New Construction

  • 4 Beds
  • 2.5 Baths
  • 2,248 Sq Ft

  Plan Matisse at The Crossvine, Schertz, TX 78154

  Boasting 2143 sq. ft., this remarkable home seamlessly combines elegance and practicality, featuring 4 bedrooms, 2 bathrooms, and a dedicated study. The inviting entry leads to a spacious living and dining area with a vaulted ceiling and a stunning kitchen, perfect for hosting and everyday living. The split-bedroom layout ensures privacy, while the front-positioned study offers a quiet, secluded

  Highland Homes Builder

  12306 Heartvine Pkwy Unit 36555734, Schertz, TX 78154
• 

  

  

  /70

  $600,900

  New Construction

  • 4 Beds
  • 3 Baths
  • 2,545 Sq Ft

  2545W Plan at Homestead - 65', Schertz, TX 78108

  Extended entry with 13-foot ceiling leads to open kitchen, dining area and family room. Kitchen offers generous counter space, corner walk-in pantry and inviting island with built-in seating space. Dining area flows into family room with wall of windows. Game room with French doors just across from kitchen. Primary suite includes double-door entry to primary bath with dual vanities, garden tub,

  Perry Homes Builder

  4932 Childress Ln Unit 38309467, Schertz, TX 78108
• 

  

  /62

  $722,990

  New Construction $13K PRICE INCREASE

  • 4 Beds
  • 4.5 Baths
  • 2,962 Sq Ft

  Plan 218 at Hallie's Cove, Schertz, TX 78154

  Welcome to the inviting 218 floor plan, designed for modern living and entertaining. This layout features four bedrooms and four bathrooms, providing ample space for family and guests. The open-concept kitchen flows seamlessly into the dining area and spacious family room, which opens to outdoor living, perfect for gatherings and relaxation. The primary suite offers a luxurious retreat with a

  Highland Homes Builder

  6819 Hallie Loop Unit 38791976, Schertz, TX 78154
• 

  

  /28

  $532,990

  New Construction

  • 4 Beds
  • 3 Baths
  • 2,862 Sq Ft

  Plan Chesterfield at Mont Blanc, Schertz, TX 78108

  The Chesterfield is a thoughtfully designed one-story home that offers a spacious and functional layout, perfect for modern living. As you enter the home you'll find a study and two secondary bedrooms that share a bathroom. Moving beyond the foyer, you'll discover the fourth bedroom, complete with its own private bath. Continuing through the rest of the home, you're greeted by an open-concept

  Highland Homes Builder

  0 Mont Blanc Unit 36555759, Schertz, TX 78108
• 

  

  /31

  $688,900

  New Construction

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

  2776W Plan at Windborne - 100', Schertz, TX 78154

  Welcoming entry framed by home office with French doors. Generous family room extends to kitchen and dining area. Island kitchen with built-in seating space and corner walk-in pantry. Primary suite offers a large wall of windows. Primary bathroom hosts a double door entry, dual vanities, a garden tub, separate enclosed shower, two walk-in closets and a private entry to the utility room. Guest

  Perry Homes Builder

  5205 Lottchen Ln Unit 39892071, Schertz, TX 78154
• 

  

  /4

  $537,900

  New Construction

  • 4 Beds
  • 3.5 Baths
  • 2,599 Sq Ft

  2599W Plan at Parklands - 60', Schertz, TX 78124

  Step off the front porch into the two-story entryway. French doors open into the home office at the front of the house. Past the staircase you enter into the open living areas. The kitchen features an island with built-in seating, walk-in corner pantry, and an adjacent dining room with ample natural light. The family room boasts a wall of windows and 19-foot ceiling. The primary bedroom has

  Perry Homes Builder

  4964 Park Cape Unit 39888213, Schertz, TX 78124
• 

  

  /56

  $722,900

  New Construction

  • 4 Beds
  • 3.5 Baths
  • 2,944 Sq Ft

  2944W Plan at Windborne - 100', Schertz, TX 78154

  Home office with French doors set entry. Media room with French doors off extended entry. Formal dining room flows into open family room with wall of windows. Kitchen features corner walk-in pantry, a coffee bar, and generous island with built-in seating space. Adjoining morning area features wall of windows. Primary suite includes double-door entry to primary bath with dual vanities, a garden

  Perry Homes Builder

  5205 Lottchen Ln Unit 39892127, Schertz, TX 78154
• 

  

  /29

  $589,990

  New Construction

  • 4 Beds
  • 3.5 Baths
  • 2,800 Sq Ft

  Collin Plan at Homestead - 65', Schertz, TX 78108

  The Collin floor plan offers a spacious two-story layout designed for modern living. This home features four bedrooms and three and a half bathrooms, providing ample space for families of all sizes. The open-concept main level seamlessly connects the kitchen, dining, and living areas, creating an inviting space for entertaining and everyday living. Upstairs, the additional bedrooms and versatile

  Coventry Homes Builder

  2855 Reeves Ln Unit 39719272, Schertz, TX 78108
• 

  

  /84

  $510,900

  New Construction

  • 3 Beds
  • 2 Baths
  • 1,984 Sq Ft

  1984W Plan at Homestead - 55', Schertz, TX 78108

  Home office with French doors set at entry with 11-foot ceiling. Open kitchen offers center island and corner walk-in pantry. Dining area opens to spacious family room with wall of windows and a wood mantel fireplace. Private primary suite includes bedroom with wall of windows. Dual vanity, corner garden tub, separate glass-enclosed shower and large walk-in closet in primary bath. Abundant closet

  Perry Homes Builder

  4932 Childress Ln Unit 38342875, Schertz, TX 78108
• 

  

  /46

  $760,990

  New Construction $3K PRICE INCREASE

  • 5 Beds
  • 4.5 - 7 Baths
  • 3,803 Sq Ft

  Plan Royston at Hallie's Cove, Schertz, TX 78154

  The Royston welcomes you with a spacious foyer that leads to a versatile study, perfect for work or relaxation. Bedroom #2, complete with its private bath, is conveniently located nearby. The main living area features an open-concept design, seamlessly connecting the kitchen, dining area, and family room. The kitchen is equipped with a large island and modern amenities, while the family room

  Highland Homes Builder

  6819 Hallie Loop Unit 39328644, Schertz, TX 78154
• 

  

  /22

  $474,990

  New Construction

  • 4 Beds
  • 3 Baths
  • 2,892 Sq Ft

  Schertz Plan at The Parklands 60', Schertz, TX 78154

  The Schertz floor plan offers an impressive layout designed to accommodate both comfort and functionality. This two-story home features four spacious bedrooms and three well-appointed bathrooms, making it ideal for families or those who enjoy hosting guests. The main living areas are thoughtfully designed to promote seamless movement between spaces, with an open-concept kitchen, dining, and

  Coventry Homes Builder

  4956 Park Cape Unit 40094141, Schertz, TX 78154
• 

  

  /39

  $537,990

  New Construction

  • 4 Beds
  • 3 Baths
  • 2,667 Sq Ft

  Plan Fleetwood at Mont Blanc, Schertz, TX 78108

  The Fleetwood is a well-designed one-story home that offers 2,667 square feet of comfortable living space. Upon entering, you'll find a study, a lifestyle space, and two secondary bedrooms. The open-concept kitchen, with a large island, seamlessly connects to the dining area and family room, which opens onto a patio for outdoor enjoyment. Tucked in the back of the home is the primary suite which

  Highland Homes Builder

  0 Mont Blanc Unit 36555757, Schertz, TX 78108
• 

  

  /13

  $638,900

  New Construction

  • 4 Beds
  • 3 Baths
  • 2,722 Sq Ft

  2722H Plan at Homestead - 65', Schertz, TX 78108

  Home office with French doors set at two-story entry. Open kitchen offers deep walk-in pantry and generous island with built-in seating space. Dining area opens to two-story family room with wall of windows. Primary suite with 10-foot ceiling. Dual vanities, garden tub, separate glass-enclosed shower and large walk-in closet in primary bath. A second bedroom is downstairs. A game room and

  Perry Homes Builder

  4932 Childress Ln Unit 38309573, Schertz, TX 78108
• 

  

  /34

  $719,990

  New Construction

  • 4 - 5 Beds
  • 3 - 4 Baths
  • 3,425 Sq Ft

  Plan Regis at Hallie's Cove, Schertz, TX 78154

  Welcome to the Regis. This floor plan features a spacious two-level design, starting with the main floor that includes a welcoming entry leading to a study and secondary bedroom with an adjacent bathroom. The heart of the home is an open-concept kitchen equipped with a large island, that seamlessly connects to the family and dining areas. There is also a patio off of the dining area for outdoor

  Highland Homes Builder

  6819 Hallie Loop Unit 39328643, Schertz, TX 78154
• 

  

  /24

  $429,990

  New Construction

  • 4 Beds
  • 3 Baths
  • 2,465 Sq Ft

  Bryan Plan at The Parklands 60', Schertz, TX 78154

  The Bryan floor plan is a beautifully designed single-story home offering four bedrooms and two bathrooms, perfectly blending style and functionality. This layout caters to a variety of lifestyles, providing a spacious and comfortable living environment for families or those who enjoy having extra space. The heart of the home is the open-concept living area, where the kitchen seamlessly

  Coventry Homes Builder

  4956 Park Cape Unit 40094138, Schertz, TX 78154
• 

  

  /37

  $610,900

  New Construction

  • 4 Beds
  • 3 Baths
  • 2,513 Sq Ft

  2513W Plan at Homestead - 65', Schertz, TX 78108

  Extended entryway with 12-foot ceilings. Game room with French doors frame the entry. Spacious family room with a wall of windows. Open kitchen offers an island with built-in seating space and a corner walk-in pantry. Primary suite with a wall of windows. Dual vanities, garden tub, separate glass enclosed shower and two walk-in closets in the primary bath. Guest suite just off the extended entry

  Perry Homes Builder

  4932 Childress Ln Unit 38309451, Schertz, TX 78108
• 

  

  /19

  $454,990

  New Construction

  • 4 Beds
  • 3 Baths
  • 2,708 Sq Ft

  Milano Plan at The Parklands 60', Schertz, TX 78154

  The Milano floorplan is a two-story design that beautifully accommodates the needs of a growing family. It offers four spacious bedrooms and three well-appointed bathrooms, ensuring comfort and privacy for everyone. The two-car garage provides ample storage and parking space, seamlessly integrated into the home’s design. On the first floor, the open layout creates a welcoming atmosphere, ideal

  Coventry Homes Builder

  4956 Park Cape Unit 39919392, Schertz, TX 78154
• 

  

  /9

  $422,490

  New Construction

  • 3 - 4 Beds
  • 2 - 3 Baths
  • 2,086+ Sq Ft

  Pecos Plan at Saddlebrook Ranch - The Heights 60's, Schertz, TX 78108

  Thoughtfully crafted for how modern families live, the Pecos offers a balance of functionality, comfort, and flexibility to fit your evolving lifestyle. Step inside and you’re greeted by a warm, open-concept layout where everyday moments and special gatherings effortlessly come together.At the heart of the home is a spacious kitchen designed for both busy mornings and evening unwind. The generous

  Ashton Woods Builder

  12829 Hill Plains Dr Unit 40178304, Schertz, TX 78108
• 

  

  /3

  $661,900

  New Construction

  • 4 Beds
  • 3 Baths
  • 2,519 Sq Ft

  2519W Plan at Windborne - 100', Schertz, TX 78154

  Entry welcomes with 12-foot ceiling. Game room with French doors and 12-foot ceiling off coffered extended entry. Spacious family room with wall of windows opens to kitchen and dining area. Kitchen features generous island with built-in seating space. Private primary suite includes bedroom with 12-foot ceiling. Dual vanities, garden tub, separate glass-enclosed shower and two large walk-in

  Perry Homes Builder

  5205 Lottchen Ln Unit 39892037, Schertz, TX 78154
• 

  

  /54

  $571,990

  New Construction

  • 4 Beds
  • 3.5 Baths
  • 2,796 Sq Ft

  Plan Birchwood at Mont Blanc, Schertz, TX 78108

  Welcome to the Birchwood a stunning 2,796 sq. ft. single-story home, designed for comfort and functionality! As you enter, you're greeted by a private study and bedrooms at the front, offering a quiet retreat. Continuing down the entryway, you'll find a spacious entertainment room, perfect for movie nights or gatherings. The heart of the home showcases an open-concept kitchen, dining area, and

  Highland Homes Builder

  0 Mont Blanc Unit 36555761, Schertz, TX 78108
• 

  

  /3

  $464,900

  New Construction

  • 4 Beds
  • 3.5 Baths
  • 2,322 Sq Ft

  2322O Plan at Parklands - 40'/50', Schertz, TX 78124

  Entry way with 13-foot ceiling features three large windows along the side. Two-story family room flows into dining area. Kitchen features corner walk-in pantry and generous island with built-in seating space. First-floor primary suite includes double-door entry to primary bath with dual vanities, spacious walk-in shower and large walk-in closet in primary bath. A half bath and utility room

  Perry Homes Builder

  4964 Park Cape St Unit 39876532, Schertz, TX 78124
• 

  

  /11

  $623,900

  New Construction

  • 4 Beds
  • 3 Baths
  • 2,493 Sq Ft

  2493W Plan at Homestead - 65', Schertz, TX 78108

  Entry welcomes with 12-foot ceiling. Game room with French doors and 12-foot ceiling off extended entry. Kitchen and dining area open to spacious family room with wall of windows. Kitchen hosts inviting island with built-in seating space. Primary suite includes bedroom with 12-foot ceiling. Double doors lead to primary bath with dual vanities, a garden tub, separate glass-enclosed shower and two

  Perry Homes Builder

  4932 Childress Ln Unit 38309430, Schertz, TX 78108
• 

  

  /14

  $430,490

  New Construction

  • 3 Beds
  • 2 Baths
  • 2,155 Sq Ft

  Del Rio Plan at Saddlebrook Ranch - The Heights 60's, Schertz, TX 78108

  Gracefully blending timeless elegance with modern function, the Del Rio is a thoughtfully designed one-story home that welcomes you with warmth and style from the very first step. As you enter through the elegant foyer, an art niche sets a sophisticated tone—perfect for showcasing your favorite piece or family moment.Just beyond, the heart of the home unfolds with a gourmet kitchen designed for

  Ashton Woods Builder

  12829 Hill Plains Dr Unit 40178262, Schertz, TX 78108
• 

  

  /4

  $679,990

  New Construction

  • 5 Beds
  • 4 Baths
  • 3,470 Sq Ft

  Wichita Plan at Homestead - 75', Schertz, TX 78108

  The Wichita floor plan is the perfect embodiment of spacious, functional living, designed to meet the needs of larger households or those who love entertaining. This two-story layout offers five bedrooms and four and a half bathrooms, ensuring ample privacy and comfort for everyone. The expansive primary suite serves as a serene retreat, complete with a luxurious en suite bathroom and generous

  Coventry Homes Builder

  2855 Reeves Ln Unit 38154394, Schertz, TX 78108
• 

  

  /62

  $560,990

  New Construction

  • 4 Beds
  • 3.5 Baths
  • 2,862 Sq Ft

  Plan Ramsey at Mont Blanc, Schertz, TX 78108

  The Ramsey is a single-story home that offers a spacious 2,862 square feet of living space. This plan features four bedrooms and 3.5 baths, providing ample accommodations for family and guests. As you enter, a welcoming entryway leads to a study, perfect for work or relaxation. The open-concept design centers around a large kitchen with an island, which flows into the dining and family areas,

  Highland Homes Builder

  0 Mont Blanc Unit 36555762, Schertz, TX 78108
• 

  

  /4

  $565,900

  New Construction

  • 4 Beds
  • 3.5 Baths
  • 3,190 Sq Ft

  3190W Plan at Parklands - 60', Schertz, TX 78124

  Home office with French doors set at two-story entry. Open formal dining room just off the kitchen area. Two-story family room with 19-foot ceilings and a wall of windows. Kitchen features an island with built-in seating space, a walk-in pantry and opens to the morning area. Private primary suite with a wall of windows. Primary bath includes double doors, garden tub, separate glass-enclosed

  Perry Homes Builder

  4964 Park Cape Unit 39888181, Schertz, TX 78124
• 

  

  /3

  $514,900

  New Construction

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

  1992W Plan at Homestead - 55', Schertz, TX 78108

  Home office set at entry. Open island kitchen offers walk-in pantry and generous counter space. Dining area flows to open family room with wall of windows. Primary suite includes primary bath with dual vanity, garden tub, separate glass-enclosed shower and walk-in closet. Secondary bedrooms with walk-in closets, a full bathroom with dual sinks and a utility room completes this design. Covered

  Perry Homes Builder

  4932 Childress Ln Unit 38351784, Schertz, TX 78108
• 

  

  /21

  $590,900

  New Construction

  • 4 Beds
  • 3 Baths
  • 2,373 Sq Ft

  2373H Plan at Homestead - 65', Schertz, TX 78108

  Home office with French doors set at entry with 12-foot ceiling. Open kitchen offers generous counter space, corner walk-in pantry and island with built-in seating space. Dining area flows into open family room with wall of windows. Primary suite includes dual vanities, garden tub, separate glass-enclosed shower and two large walk-in closets in primary bath. A guest suite with private bath adds

  Perry Homes Builder

  4932 Childress Ln Unit 38309395, Schertz, TX 78108
• 

  

  /3

  $494,900

  New Construction

  • 5 Beds
  • 4 Baths
  • 2,585 Sq Ft

  2585W Plan at Parklands - 40'/50', Schertz, TX 78124

  Entryway opens into a curved staircase that is embraced by a grand ceiling. A secondary bedroom is right off the main hallway and has access to a full private bathroom and walk-in closet. As you enter the kitchen you are greeted by the island that features built-in seating and a walk-in pantry. The dining area connects to the family room which boasts a wall of windows and access to the covered

  Perry Homes Builder

  4964 Park Cape St Unit 39876536, Schertz, TX 78124
• 

  

  /11

  $677,900

  New Construction

  • 4 Beds
  • 3 Baths
  • 2,493 Sq Ft

  2493W Plan at Windborne - 100', Schertz, TX 78154

  Entry welcomes with 12-foot ceiling. Game room with French doors and 12-foot ceiling off extended entry. Kitchen and dining area open to spacious family room with wall of windows. Kitchen hosts inviting island with built-in seating space. Primary suite includes bedroom with 12-foot ceiling. Double doors lead to primary bath with dual vanities, a garden tub, separate glass-enclosed shower and two

  Perry Homes Builder

  5205 Lottchen Ln Unit 39891832, Schertz, TX 78154
• 

  $702,995

  New Construction

  • 4 - 5 Beds
  • 4.5 - 5.5 Baths
  • 3,913 Sq Ft

  Quentin Plan at Windborne, Schertz, TX 78154

  The Quentin home design delivers impressive style and functionality. The welcoming two-story foyer leads guests past a lovely office into the breathtaking two-story great room with views of a lovely covered patio beyond. Steps from a casual dining area, the kitchen is ideally equipped with a spacious island with breakfast bar, a walk-in pantry, and wraparound counters and cabinets. Retreat to

  Toll Brothers, Inc. Builder

  6627 Ivy Mountain St Unit 37318909, Schertz, TX 78154
• 

  

  /34

  $619,990

  New Construction

  • 4 Beds
  • 3 Baths
  • 3,425 Sq Ft

  Plan Regis at Mont Blanc, Schertz, TX 78108

  Welcome to the Regis. This floor plan features a spacious two-level design, starting with the main floor that includes a welcoming entry leading to a study and secondary bedroom with an adjacent bathroom. The heart of the home is an open-concept kitchen equipped with a large island, that seamlessly connects to the family and dining areas. There is also a patio off of the dining area for outdoor

  Highland Homes Builder

  0 Mont Blanc Unit 36555765, Schertz, TX 78108
• 

  

  /3

  $517,900

  New Construction

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

  2079W Plan at Homestead - 55', Schertz, TX 78108

  Entry framed by home office with French door entry. Kitchen with center island and walk-in pantry. Dining area flows into the family room with a wall of windows. Private primary bedroom with wall of windows. French doors lead to dual vanities, garden tub, separate glass enclosed shower, and walk-in closet in the primary bath. Secondary bedrooms all offer a walk-in closet. Covered backyard patio.

  Perry Homes Builder

  4932 Childress Ln Unit 38351811, Schertz, TX 78108
• 

  

  /4

  $743,900

  New Construction

  • 4 Beds
  • 3 Baths
  • 2,895 Sq Ft

  2895S Plan at Windborne - 100', Schertz, TX 78154

  Extended entry with 12-foot ceiling leads to open family room, kitchen and morning area. Kitchen features walk-in pantry and generous island with built-in seating space. Family room features wall of windows. Game room with French doors just off family room. Primary suite includes bedroom with 15-foot ceiling. Dual vanities, separate glass-enclosed shower and two walk-in closets in primary bath. A

  Perry Homes Builder

  5205 Lottchen Ln Unit 39891794, Schertz, TX 78154
• 

  

  /6

  $531,900

  New Construction

  • 4 Beds
  • 3 Baths
  • 2,595 Sq Ft

  2595W Plan at Parklands - 60', Schertz, TX 78124

  Welcoming front porch opens into the two-story entryway featuring French doors leading into the home office. Past the staircase you enter the kitchen which hosts the island with built-in seating and a corner walk-in pantry. The dining area connects the open two-story family room featuring a wall of windows and access to the covered backyard patio. The primary bedroom hosts a wall of windows.

  Perry Homes Builder

  4964 Park Cape Unit 39888308, Schertz, TX 78124
• 

  

  /3

  $718,900

  New Construction

  • 4 Beds
  • 3.5 Baths
  • 2,850 Sq Ft

  2850W Plan at Windborne - 100', Schertz, TX 78154

  Inviting entry with 16-foot ceiling. Entry extends to the kitchen, family room and dining area. Generous family room features a grand wall of windows. Kitchen features an island with built-in seating space and a walk-in pantry. Home office with French door entry just off the family room. Primary suite features a large bedroom, double door entry to primary bathroom, dual vanities, garden tub,

  Perry Homes Builder

  5205 Lottchen Ln Unit 39892079, Schertz, TX 78154
• 

  

  /3

  $583,900

  New Construction

  • 4 Beds
  • 3 Baths
  • 2,754 Sq Ft

  2754H Plan at Homestead - 55', Schertz, TX 78108

  Two-story entry framed by home office with French doors. Two-story family room with 19-foot ceiling flows into the kitchen and dining area. Island kitchen with built-in seating space and corner walk-in pantry. Secluded primary suite features a grand wall of windows. Primary bath offers a French door entry, dual vanities, garden tub, separate glass enclosed shower and two walk-in closets.

  Perry Homes Builder

  4932 Childress Ln Unit 38352088, Schertz, TX 78108

Showing Results 121 - 160, Page 4 of 10