634

Homes for Sale near Heritage Christian School

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  • /35

    $520,000

    • 4 Beds
    • 1 Bath
    • 1,344 Sq Ft

    1921 N Stevens St, Tacoma, WA 98406

    Welcome to this hard to find 4 bedroom home within walking distance to the Historic Proctor District. A charming 4-bedroom, 1-bath home offering 1344 sqft of living space. Enjoy the convenience of a fully fenced yard, ideal for relaxation and play, with a dedicated dog run and a detached single-car garage. Benefit from recent updates including a newer furnace, new water heater, sewer line,

    Brian Taylor Sievers Real Estate

    1921 N Stevens St, Tacoma, WA 98406
  • /11

    $329,500

    • 3 Beds
    • 1 Bath
    • 2,112 Sq Ft

    2030 S 7th St, Tacoma, WA 98405

    Investor special! This one's a real piece of work (literally). But with URX zoning, it's the kind of mess that dreams are made of. Build up to 45 ft high with no front, back, or side setbacks. Zoning requires at least 4 units when building new, but why stop there? Tear it down and go full multifamily mode, or revive the gutted 2 bed/1 bath and stack a few more units out back. One block from 6th

    Derrik Shockman Windermere Abode

    2030 S 7th St, Tacoma, WA 98405
  • /29

    $485,000 Open Sat 11AM - 2PM

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

    1309 Stevens St, Steilacoom, WA 98388

    Great Steilacoom Value!! Nice Tri-level design. 4 bedroom, 1.75 bath home on huge corner lot. 4th Bedroom could be large family room. Fresh paint in and out. Carpet is new in the bedrooms and LVP in other areas. You will love the updates the Sellers have done; bathrooms, kitchen, new garage door & more! The fenced back yard is perfect for you pets and entertaining. Excellent location; walk to

    Mark Hulen Better Properties Real Estate

    1309 Stevens St, Steilacoom, WA 98388
  • /30

    $360,000

    • 2 Beds
    • 1 Bath
    • 1,006 Sq Ft

    3008 N Narrows Dr Unit F203, Tacoma, WA 98407

    $5,000 Seller Credit! Use it toward closing costs, an interest rate buy-down, flooring, or HOA dues—your choice! Fantastic oppty to get into one of the most coveted communities in N. Tacoma! This 2BR/1BA sec-flr condo offers a smart layout, cozy wood-burning fireplace, and 2 parking spots. Enjoy premium amenities; clubhouse w/ indoor pool, sauna, fitness center, and more — no need for a separate

    Rachel Martinez eXp Realty

    3008 N Narrows Dr Unit F203, Tacoma, WA 98407
  • /31

    $489,950

    • 3 Beds
    • 1 Bath
    • 1,936 Sq Ft

    6134 S D St, Tacoma, WA 98408

    Beautifully updated 3-bed, 1-bath rambler sits on a prime corner lot in South Tacoma. You'll find a stylish kitchen with modern shaker cabinets, sleek quartz countertops, stainless steel appliances, and a cozy eat-in nook. The home features LVP flooring, tile-surround bath, and a warm wood-burning fireplace. Step outside to a fully fenced yard with a large deck and patio. The oversized 2-car

    Terry Vo John L. Scott, Inc

    6134 S D St, Tacoma, WA 98408
  • /28

    $409,950

    • 2 Beds
    • 1 Bath
    • 854 Sq Ft

    8033 E B St, Tacoma, WA 98404

    Assumable mortgage for a VA buyer, at 3.75%!!! Charming home with several recent updates, on a quiet dead-end street. Among the features of this well kept home that were installed in the last 2 years are laminate hardwoods, new carpet, new tile flooring, new dishwasher & microwave, new kitchen cabinets, and new blinds. Exterior features beautifully landscaped grounds, backyard gazebo, and a new

    Tim Akins RE/MAX Realty South

    8033 E B St, Tacoma, WA 98404
  • /33

    $340,000

    • 1 Bed
    • 1 Bath
    • 890 Sq Ft

    1501 Tacoma Ave S Unit 111, Tacoma, WA 98402

    Rare ground-floor corner unit in Reverie at The Marcato! Centrally located seconds from Downtown Tacoma, restaurants, and the Tacoma Dome. This bright, open-concept home features granite counters, stainless steel appliances, and a breakfast bar. Enjoy an oversized private patio—perfect for morning coffee or entertaining. The spacious primary suite offers dual California Closets, plus a custom

    Kayla Kaluna Designed Realty

    1501 Tacoma Ave S Unit 111, Tacoma, WA 98402
  • /39

    $824,777 Open Sat 4PM - 5PM

    • 4 Beds
    • 3 Baths
    • 2,295 Sq Ft

    3131 N Narrows Dr, Tacoma, WA 98407

    NEW PRICE 4-Bed, 3-Bath West End Gem with stunning Olympic Views! Spacious Features a separate lower-level dwelling with great room, private kitchen, laundry, and entrance—perfect for guests or rental. Main home offers cozy living room with wood-burning fireplace, custom mantle, bamboo hardwoods, white cabinetry, and carpeted bedrooms. Primary with en-suite. New roof, solar panels, furnace, and

    Kate Absten Terrafin

    3131 N Narrows Dr, Tacoma, WA 98407
  • /40

    $625,000

    • 5 Beds
    • 3 Baths
    • 2,684 Sq Ft

    7607 Emerald Dr SW, Lakewood, WA 98498

    Lakewood’s most established & sought-after neighborhoods. Oakbrook is known for its tree-lined streets, community vibe, access to top-rated schools, parks & shops. Thoughtfully designed 5-bed home offers a variety of flexible living spaces, including a spacious living room, dedicated dining area & family room. Age in place with the main floor primary suite with private 3⁄4 bath, plus two

    Kylee Hill Windermere Abode

    7607 Emerald Dr SW, Lakewood, WA 98498
  • /12

    $2,850,000

    • Land
    • 0.37 Acre
    • $7,752,992 per Acre

    3718 Pacific Ave, Tacoma, WA 98418

    Welcome to a prime investment opportunity in the thriving South Tacoma area, where the demand for multi-family development is high. This ready-to-build project features 98 fully permitted units, addressing the pressing need for housing in the area. Located within an Opportunity Zone, this property presents investors with the advantage of 8 or 12-year tax abatement options, maximizing potential

    Ivanna Miakota Kelly Right RE of Seattle LLC

    3718 Pacific Ave, Tacoma, WA 98418
  • /3

    $299,000

    • Land
    • 0.15 Acre
    • $2,004,021 per Acre

    4327 S Puget Sound Ave, Tacoma, WA 98409

    Development Opportunity West of Tacoma Mall! Investors & developers, this 6,500 sq ft lot is ready for a multi-family project with negotiable density up to 20+ units. The City of Tacoma reviewed a previous 7-unit proposal (redlines attached in supplements), code changes & an architect’s retirement may require a redesign/revision? Preliminary work completed includes home removal, a 2" water

    Mike Comer John L. Scott R.E. Lake Tapps

    4327 S Puget Sound Ave, Tacoma, WA 98409
  • /23

    $600,000

    • 4 Beds
    • 2 Baths
    • 1,880 Sq Ft

    10229 Ainsworth Ave S, Tacoma, WA 98444

    Remarkable Opportunity with this Centrally Located Tacoma Duplex. Very well taken care of and pride of ownership throughout, the same owner has owned this fantastic rental for 20+ years. Zoned Multi-Family, great new roof, both sides remodeled, fully fenced, massive lot, could increase income by ADU/Tiny Home. One side rents for $2,000 per month and the other rents for $2,150. Attractive cap

    Matthew Harber Keller Williams Rty Tacoma

    10229 Ainsworth Ave S, Tacoma, WA 98444
  • /33

    $310,000

    • 2 Beds
    • 2 Baths
    • 1,281 Sq Ft

    3201 Pacific Ave Unit 1107, Tacoma, WA 98418

    Easy low-maintenance living & city convenience await in Pacific Tower! Find your perch above it all w/views of Thea Foss Waterway, Commencement Bay, ships coming & going at the Port. Generous open-concept living is your relaxing retreat & perfect spot for dining area alongside kitchen w/smart design & storage. Spacious primary suite features 2 closets & ensuite bath. Plus in-unit laundry!

    Austin Wagner Windermere Prof Partners

    3201 Pacific Ave Unit 1107, Tacoma, WA 98418
  • /12

    $499,000

    • 4 Beds
    • 2 Baths
    • 1,344 Sq Ft

    3703 S Manitou Way, Tacoma, WA 98409

    Charming, Updated Duplex with Major Upgrades! This well-maintained property features two spacious units, each offering 2 bedrooms and 1 full bathroom. Both units provide comfortable living with newer flooring, appliances, and thoughtful improvements throughout. Significant updates include a new sewer line (2023), new roof and gutters (2022). 2017 improvements include new appliances, windows,

    Summer Wilborn Better Properties N. Proctor

    3703 S Manitou Way, Tacoma, WA 98409
  • /29

    $385,000

    • 3 Beds
    • 1 Bath
    • 764 Sq Ft

    3605 S Cushman Ave, Tacoma, WA 98418

    Discover this gorgeous 3-bedroom, 1-bathroom rambler in Tacoma, WA, where modern updates meet exceptional charm. The fully remodeled interior features stunning laminate hardwood flooring throughout, while the gourmet kitchen boasts brand-new stainless steel appliances, custom cabinetry, and sleek granite countertops. Step outside to a beautifully landscaped exterior, perfect for entertaining,

    Shaun Lowe eXp Realty

    3605 S Cushman Ave, Tacoma, WA 98418
  • /7

    $1,030,000

    • Land
    • 0.22 Acre
    • $4,772,938 per Acre

    4014 Pacific Ave, Tacoma, WA 98418

    Prime Tacoma development opportunity! This vacant lot comes with all utilities on site and a fully approved infill program package. Building permits are in process for 10 modern 2-story units with a shared structured parking garage - designed for vibrant urban living. Ideally located near I-5, downtown, and public transit. A remodeled 1925 duplex currently sits on the property, but the true value

    Ivanna Miakota Kelly Right RE of Seattle LLC

    4014 Pacific Ave, Tacoma, WA 98418
  • /34

    $688,000

    • 6 Beds
    • 5 Baths
    • 3,366 Sq Ft

    3103 S 54th St, Tacoma, WA 98409

    Don’t miss out on a rare opportunity to walk into CASH FLOW FROM DAY 1!!! This well-maintained triplex has a great unit mix with loads of opportunity for a savvy investor! Upstairs unit is a 5 bed/2.25 bath home with open concept floorplan. Downstairs offers a large, fully remodeled 1 bed/1 bath unit w/ bonus room (could be converted to legal 2nd bedroom w/ addition of window in bonus room) & a

    Aaron Nelson Skyline Properties, Inc.

    3103 S 54th St, Tacoma, WA 98409
  • /8

    $125,000

    • Land
    • 0.24 Acre
    • $528,541 per Acre

    2514 Shepard St, Steilacoom, WA 98388

    Tremendous opportunity to build your dream home or next investment opportunity in the quaint city of Steilacoom! Nearly a quarter of an acre on a dead-end street, that's just a short walk to enjoy Steilacoom's charming shops, restaurants, museums, schools, parks and Steilacoom's beautiful waterfront beaches. All utilities available in the street and there is beautiful timber on the property.

    Brandon Hjelseth Keller Williams Rty Tacoma

    2514 Shepard St, Steilacoom, WA 98388
  • /14

    $479,000

    • 3 Beds
    • 2 Baths
    • 1,154 Sq Ft

    861 S 72nd St, Tacoma, WA 98408

    This stunning 3-bedroom, 2-bathroom gem is perfectly nestled in a prime location, offering both comfort and convenience. The spacious detached 2-car garage and extra-large driveway provide ample space for parking and hosting gatherings with friends. The fully fenced backyard is a true sanctuary, offering ultimate privacy and a safe, expansive space for pets. Whether you’re enjoying a quiet

    Nik Sirichoonchan Skyline Properties, Inc.

    861 S 72nd St, Tacoma, WA 98408
  • /31

    $434,900

    • 3 Beds
    • 1 Bath
    • 1,180 Sq Ft

    1511 S 51st St, Tacoma, WA 98408

    Welcome to this Tacoma gem that has been completely remodeled and ready for you to move right in! You’ll love the fresh updates, including new carpet, new interior/exterior paint, new LVP flooring, and SS appliances. The kitchen features quartz counters and a spacious dinning nook and tons of natural light. The living room boast a cozy gas fireplace with light sconces that adds a touch of warmth

    Mike Rankin COMPASS

    1511 S 51st St, Tacoma, WA 98408
  • /10

    $70,000

    • Land
    • 0.04 Acre
    • $1,776,650 per Acre

    3251 S 58th St, Tacoma, WA 98409

    Looking to build an affordable new home in a great South Tacoma location, this is your opportunity. 68.75ft x 25ft, this level lot is located on the corner of S 58th and S Montgomery and is zoned Low Scale Urban Residendtial. With the new urban residential zoning districts more options are available. No on site parking requirement due to close proximity to mass transit. All utilities

    Toni Monzon Windermere Prof Partners

    3251 S 58th St, Tacoma, WA 98409
  • /35

    $449,000

    • 4 Beds
    • 1 Bath
    • 1,472 Sq Ft

    423 S 34th St, Tacoma, WA 98418

    Discover the charm and potential of this property! Nestled in the vibrant South End neighborhood, this gem offers a perfect blend of historic character and modern opportunity. Just minutes from downtown Tacoma, I-5, and local hotspots like Lincon Park, this property is ideally situated for convenience and growth. The property has a large 4 car garage or shop, dog run, garden space all fenced.

    Lorelei Williams Newberry Realty, Inc.

    423 S 34th St, Tacoma, WA 98418
  • /34

    $1,125,500

    • 12 Beds
    • 4 Baths

    11213 Kline St SW, Lakewood, WA 98499

    Prime 4-Unit Multi-Family investment with ~7% cap rate! Generating $8K in monthly rental income with stable tenants in place. This large 27k sqft lot has 2 single family homes and 1 duplex. All the units enjoy spacious interiors and large yards. The property is ideally located near major freeways, JBLM, and Lakewood Transit Station. This turnkey property offers strong cash flow and excellent

    Peggy Kellogg Targa Real Estate Services Inc

    11213 Kline St SW, Lakewood, WA 98499
  • /6

    $290,000

    • 2 Beds
    • 1 Bath
    • 990 Sq Ft

    8003 A St, Tacoma, WA 98404

    ***Investor Alert!*** Hot Deal !Bring your vision to this 2 bed, 2 bath Tacoma property sitting on a generous 17,500 sq ft lot. With 990 sq ft of interior space and much of the demo already started, this project is primed for a savvy buyer ready to finish the job. The expansive lot offers potential for additional structures, a large yard, or outdoor living space. Conveniently located near

    Felicia Mackey Berkshire Hathaway HS NW

    8003 A St, Tacoma, WA 98404
  • /40

    $900,000

    • 3 Beds
    • 2.5 Baths
    • 2,495 Sq Ft

    1524 12th Ln, Fox Island, WA 98333

    Welcome to this charming home! Step through the Dutch door into a bright and airy living and dining area filled with natural light from numerous windows. The kitchen boasts ample storage, generous counter space, and a spacious informal dining area. Adjacent to the kitchen, you’ll find a dedicated office and a large bonus room with access to the fenced backyard and a 2 car garage. Upstairs, the

    Maggie Schauble Engel & Voelkers Chambers Bay

    1524 12th Ln, Fox Island, WA 98333
  • /40

    $775,000

    • 2 Beds
    • 2 Baths
    • 1,558 Sq Ft

    2421 Day Island Blvd W, University Place, WA 98466

    Huge $110K Price Reduction Just Announced! Day Island waterfront home now offered well below its recent high-end appraisal. Fully renovated with premium finishes, this 2-bed, 2-bath retreat captures sweeping views of Puget Sound, the Olympics, and Fox Island from nearly every room. Features include open-concept living, private deck off the primary, new hardwood & engineered floors, custom

    Jamie Michaud Windermere Prof Partners

    2421 Day Island Blvd W, University Place, WA 98466
  • /10

    $150,000

    • Land
    • 0.17 Acre
    • $871,080 per Acre

    7645 S K St, Tacoma, WA 98408

    Embrace the opportunity to build your dream home on this ready-to-go vacant land on a dead end, private, street. Spanning 7500 sq ft, it offers a blank canvas for your vision. With sewer, water and power readily available in the street, your building plans can take shape seamlessly. It's the perfect blend of convenience and potential, where your dream home can become a reality. NO HOA

    Mandy Guiley Gateway Real Estate

    7645 S K St, Tacoma, WA 98408
  • /40

    $850,000 Open Sun 1PM - 3PM

    • 2 Beds
    • 2 Baths
    • 2,102 Sq Ft

    2019 14th Ave NW Unit 253, Gig Harbor, WA 98335

    Welcome to this stunning remodeled view home! Enjoy breathtaking views of Puget Sound, Mt. Rainier, and the Tacoma Narrows Bridge from floor-to-ceiling windows and a private balcony. The home features new flooring, doors, molding, paint, and cabinets throughout. A luxury kitchen boasts top of the line appliances, custom cabinets, and granite countertops. The open floor plan includes vaulted

    Tiffany Place Morrison House Sotheby's Intl

    2019 14th Ave NW Unit 253, Gig Harbor, WA 98335
  • /11

    $559,950

    • 4 Beds
    • 2 Baths
    • 1,920 Sq Ft

    4010 S Lawrence St Unit 2, Tacoma, WA 98409

    Discover this fantastic investment opportunity! This multi-family property is close to everything. The units feature hardwood floors, spacious living room. The classic brick exterior not only adds timeless charm but also reduces maintenance costs by eliminating the need for painting. Plenty of storage with carport and unit 4012 has a shed. This 4-bed, 2-bath property spanning 1920 sq. ft. offers

    Marlena Ma Best Choice Network LLC

    4010 S Lawrence St Unit 2, Tacoma, WA 98409
  • /20

    $1,650,000

    • Land
    • 0.38 Acre
    • $4,332,983 per Acre

    638 646 S Steele St, Tacoma, WA 98405

    Development opportunity in the heart of the 6th Ave District! Corner lot with double street frontage to both Steele & Prospect Streets, providing many possible uses. Apartment Complex? Townhomes? Live/Work spaces? Retirement Home? Adult Care Facility? Choice is yours. URX zoning allows for a maximum building height of 45 ft and requires a minimum of 10 units on this lot, but allows for many more

    Derrik Shockman Windermere Abode

    638 646 S Steele St, Tacoma, WA 98405
  • /7

    $220,000

    • Land
    • 0.14 Acre
    • $1,620,029 per Acre

    3936 S Tyler St, Tacoma, WA 98409

    This vacant parcel features a natural landscape with evergreen trees and open grassy area. Position on a curved corner intersection, the lot offers street frontage with accessible roadways. Well trafficked location making it a potential site for multi-family and residential development. The land is relatively flat with minor elevation, providing flexibility various uses. Water, sewer and power in

    Vinh Tran COMPASS

    3936 S Tyler St, Tacoma, WA 98409
  • /23

    $415,000

    • 2 Beds
    • 1 Bath
    • 832 Sq Ft

    4539 S L St, Tacoma, WA 98418

    Welcome home to this charming 2-bed, 1-bath gem on a desirable corner lot! Enjoy a spacious yard, private driveway, and keyless entry. Inside, you’ll find Alexa-enabled lights & thermostat, a beautiful tray ceiling, and ample storage. Conveniently located close to everything, this home offers both modern features and cozy charm. Don’t miss out—schedule a showing today!

    Lisa Franchini Terrafin

    4539 S L St, Tacoma, WA 98418
  • /36

    $392,000

    • 2 Beds
    • 2 Baths
    • 1,203 Sq Ft

    1310 Boise St Unit 2, Fircrest, WA 98466

    Welcome to Valley Firs in Fircrest, WA! This highly sought after community rarely has a home come on the market. This condo features 2 bedrooms 1.75 baths, 1203 sq. ft., and a roomy two car attached garage. Within minutes you'll find many amenities that will make living very simple and convenient. Large patio out back makes entertaining a breeze. University Place is to the West and Lakewood

    Steven Hume Hume Real Estate

    1310 Boise St Unit 2, Fircrest, WA 98466
  • /14

    $334,000

    • 3 Beds
    • 2.5 Baths
    • 1,161 Sq Ft

    4003 S 74th St Unit C, Tacoma, WA 98409

    *This loan is assumable! Lock in a 2.875% interest rate by assuming the current mortgage for VA qualified buyers. Call me to discuss further. Spacious 3BD/2.25BA townhome in a gated community! Enjoy a cozy gas fireplace, a private patio, and a primary suite featuring en-suite bathroom. This home offers comfort, security, and convenience in a desirable location.

    Damian Barton Better Properties UP/Fircrest

    4003 S 74th St Unit C, Tacoma, WA 98409
  • /30

    $495,000

    • 2 Beds
    • 2 Baths
    • 1,471 Sq Ft

    4119 6th Ave, Tacoma, WA 98406

    North Tacoma neighborhood off N. Proctor and 6th Ave. A walker's paradise just moments to Jefferson Park, shops and restaurants. Home has a formal entry with large open living room & gas burning fireplace. Enjoy cooking & entertaining from the kitchen which is open to both living room and large formal dining room with beautiful double french doors. Main floor also has 1 bedroom, full bath and

    Charles Thomas Windermere Prof Partners

    4119 6th Ave, Tacoma, WA 98406
  • /9

    $625,000

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

    1613 S M St, Tacoma, WA 98405

    Rare Victorian + ADU | Invest or Live & Cash Flow Two homes, one lot—endless potential. This 2,900+ sq. ft. Victorian w/ADU in New Tacoma district is perfect for investors or multi-generational living. The front home boasts 4 beds, original hardwoods, and a basement ready to expand. The back home offers 2 beds, and bonus space. Estimated rents suggest $3,700+ monthly cash flow. Minutes from

    Benis Dawkins Better Homes and Gardens RE PC

    1613 S M St, Tacoma, WA 98405
  • /40

    $350,000

    • 1 Bed
    • 1 Bath
    • 905 Sq Ft

    1501 Tacoma Ave S Unit 408, Tacoma, WA 98402

    The Reverie at Marcato - an upscale, premium secured building with amenities such as a fitness center, in-house theatre, and community room, & BBQ area! Stunning territorial views from living, kitchen, masterbedroom, and balcony. Unit has bamboo flooring in entry & kitchen, ceramic tile in bath, all wood cabinets, & SS appliances. Secured parking spot and storage unit. Perfect urban location for

    Lisa Carlson Engel & Voelkers Chambers Bay

    1501 Tacoma Ave S Unit 408, Tacoma, WA 98402
  • /29

    $799,900

    • 4 Beds
    • 2.5 Baths
    • 3,024 Sq Ft

    11215 Madera Cir SW, Lakewood, WA 98499

    One-of-a-kind Victorian masterpiece! From the grand entry W/stunning curved staircase, gleaming hardwoods, & soaring vaulted ceilings to the exquisite wainscoting, every detail of this home exudes elegance & charm. Formal living, complete W/tray ceilings ft. custom artwork. Chef's kitchen Ft. SS apps, granite counters, & large window W/view of serene backyard. Bright breakfast nook W/abundant

    Robin Rogness Terry Wise & Associates

    11215 Madera Cir SW, Lakewood, WA 98499
  • /40

    $389,950 Open Sat 2:30PM - 4PM

    • 2 Beds
    • 2 Baths
    • 1,412 Sq Ft

    3201 Pacific Ave Unit 705, Tacoma, WA 98418

    ** $30,000 PRICE IMPROVEMENT ** Revel in the breathtaking views that span Mt. Rainier, the Sound, & the vibrant cityscape of Tacoma from this 7th story condo. Welcome to Pacific Tower Condo, the secured building is centrally located w/easy access to I-5 & local amenities. Step into a beautifully appointed living space, flooded w/natural light from the expansive windows, allowing the stunning

    Bradley Hanson John L. Scott, Inc.

    3201 Pacific Ave Unit 705, Tacoma, WA 98418
  • /12

    $305,000

    • 2 Beds
    • 2 Baths
    • 955 Sq Ft

    625 N Jackson Ave Unit A15, Tacoma, WA 98406

    North Tacoma/West side - Prime Location. 2nd floor condo close to shopping and services. 2 beds with their own baths! Primary suite w/3/4 bath and 2nd bedroom has private access to full bath off hallway. Gorgeous view from covered patio with turf and storage. Kitchen is updated and the floors in this condo are amazing. The great room is wonderful for entertaining! Private, Beautiful, Affordable

    Kim Seevers Better Properties Real Estate

    625 N Jackson Ave Unit A15, Tacoma, WA 98406

Showing Results 521 - 560, Page 14 of 16

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