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Victorville, CA Homes for Sale with No HOA Fee

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  • /8

    $100,000

    • Land
    • 5 Acres
    • $20,000 per Acre

    0 Lilac Rd, Victorville, CA 92392

    5 ac residential land in the Crossings Specific Plan. Located in West Victorville, this area is primed as the next major residential development hub. 80 ac at Luna and Monte Vista has a vested TTM for 269 lots. KB Home recently resubmitted a 135 lot TTM on 40 ac at Luna & Monte Vista. Two massive Specific Plans encompass this area, The Crossings, comprised of plans for 2,656 lots on 449 ac, and

    Joshua Tate Majestic Land, Homes Investmen

    0 Lilac Rd, Victorville, CA 92392
  • /6

    $380,000

    • Land
    • 4.11 Acres
    • $92,457 per Acre

    0 Avenal St, Victorville, CA 92393

    Key commercial area in South Victorville. General Commercial land. Two ~2.09 acre commercial lots, only ~660 ft to the proposed hospital campus, and 330 ft west of Amargosa Rd & the I-15 Freeway. All utilities near or at the site. APN #0405-072-30 0405-072-31 included in the offering. A short distance to the north is Victorville's very successful Restaurant Row featuring the new BJ's Brewhouse,

    Graeme Carr Klick Realty

    0 Avenal St, Victorville, CA 92393
  • /19

    $430,000

    • 4 Beds
    • 2 Baths
    • 1,710 Sq Ft

    14621 Owens River Rd, Victorville, CA 92392

    Move-In Ready Single-Story Home in Victorville! This spiffy 1,710 sq ft home offers 3 bedrooms, 2 bathrooms, and a versatile bonus room that can function as an office, guest room, or potential 4th bedroom. Fresh interior paint and wood-look vinyl flooring give the home a clean, modern feel throughout. The functional floor plan includes both living and family areas, highlighted by a cozy fireplace

    Jon Hurst First Team Real Estate

    14621 Owens River Rd, Victorville, CA 92392
  • /3

    $2,282,600

    • Land
    • 3.61 Acres
    • $632,299 per Acre

    0 Bear Valley Rd Unit 538697, Victorville, CA 92395

    Prime signalized corner perfectly poised for future commercial development. Over six-hundred (600') linear feet of frontage along heavily traveled Bear Valley Road - the main arterial roadway in the entire High Desert Region. This is the only remaining undeveloped signalized corner along Bear Valley Road between Interstate 15 and Highway 395. The northwest corner of Bear Valley Rd and Eagle Ranch

    Ryan Travis Kursch Group, Inc.

    0 Bear Valley Rd Unit 538697, Victorville, CA 92395
  • /37

    $120,000

    • 2 Beds
    • 2 Baths
    • 1,808 Sq Ft

    13393 Mariposa Rd Unit 169, Victorville, CA 92395

    Spacious and inviting triple-wide home in a welcoming 55+ community! This open-layout design features an airy living and dining space with an open-concept kitchen, perfect for entertaining or everyday comfort. Offering 2 bedrooms plus a versatile bonus room, ideal for a craft space, home office, or guest area. This home adapts to your lifestyle. The primary suite includes both an oversized

    Lisa Pimentel CENTURY 21 CITRUS REALTY INC

    13393 Mariposa Rd Unit 169, Victorville, CA 92395
  • /37

    $469,988

    • 3 Beds
    • 2 Baths
    • 2,161 Sq Ft

    12471 Pacoima Rd, Victorville, CA 92392

    3-Bedroom PLUS an office in Victorville HOME! Office could be used as bedroom if needed. Enjoy a flowing layout designed for both everyday ease and hosting gatherings. Spacious home with ample size rooms! Perfect for Families seeking a functional yet inviting home. This home has easy/close access to 15 Fwy, close to shopping Mall, dining, schools, and much more. The spacious floor plan offers

    Socorro Maldonado KPM INVESTMENT ENTERPRISES INC

    12471 Pacoima Rd, Victorville, CA 92392
  • /6

    $509,900 New Construction

    • 3 Beds
    • 2 Baths
    • 1,604 Sq Ft

    12147 Del Sur St, Victorville, CA 92392

    HermosaMake first impressions count with this beautiful new construction home in Victorville. This single-story, three-bedroom, two-bath home is bursting with character. This home offers an incredible, open layout, creating a warm, inviting environment. The kitchen is open to the family room, creating the ideal entertainment area. The master suite is the perfect place to retreat to, with an

    Jeanine Roach LGI Realty-California , LLC

    12147 Del Sur St, Victorville, CA 92392
  • /7

    $700,000

    • Land
    • 9.53 Acres
    • $73,434 per Acre

    0 Hwy 395 Unit PT25253015, Victorville, CA 92395

    TREMENDOUS DEVELOPMENT OPPORTUNITY! ??9.53 Acres – Prime Hwy 395 Frontage | Victorville, CA. Don’t miss this rare opportunity to acquire 9.53 acres of prime, flat, and rectangular land located directly on Highway 395, just north of Highway 18 in Victorville. Highway Frontage: Exceptional visibility and access with high daily traffic counts. Zoning: Commercial and Residential — offering versatile

    Michael Martinez RE/MAX Freedom

    0 Hwy 395 Unit PT25253015, Victorville, CA 92395
  • /7

    $55,555

    • Land
    • 0.66 Acre
    • $84,174 per Acre

    0 Haver Hill St, Victorville, CA 92394

    Prime vacant residential lot (APN: 0395-011-36-0000) for sale at 0 Haverhill St, Victorville, CA 92395. This is an excellent opportunity to build, given its convenient location near major thoroughfares and local amenities. Buyers will appreciate the easy access to nearby shops and restaurants, including Coffee Xpress O, Jasso Antojitos, and The Dahl Collection, as well as Victorville Parks &

    Roberto Rufin Jr Better Homes and Gardens RE

    0 Haver Hill St, Victorville, CA 92394
  • /26

    $399,999

    • 3 Beds
    • 2 Baths
    • 1,186 Sq Ft

    12709 Gaines St, Victorville, CA 92392

    Welcome to this charming home located in the Eagle Ranch community, perfectly situated at the end of a peaceful cul-de-sac. This well-maintained property offers a bright, open layout with thoughtful upgrades and plenty of space for comfortable living.Enjoy the benefits of a new AC unit installed just one year ago, dual pane windows, and new flooring in the bedrooms,cozy fireplace and high

    Claudia Cardona Coldwell Banker Home Source

    12709 Gaines St, Victorville, CA 92392
  • /28

    $445,000

    • 4 Beds
    • 3.5 Baths
    • 1,674 Sq Ft

    14601 Foothill Rd, Victorville, CA 92394

    Beautifully Updated 4-Bedroom Home in the Heart of Victorville Welcome to this charming two-story home featuring 4 bedrooms, 2 1/2 bathrooms, and approximately 1,674 square feet of living space. Built in 1992, this well-maintained property offers a functional layout with modern updates that make it move-in ready. Step inside to find an open and inviting floor plan with upgraded laminate flooring,

    Cristo Loza Oliva Century 21 Leaders

    14601 Foothill Rd, Victorville, CA 92394
  • /11

    $178,800

    • Land
    • 4.19 Acres
    • $42,630 per Acre

    0 City View Dr Unit HD25142391, Victorville, CA 92395

    UNBELIEVABLE.....LOOK WHAT JUST HIT THE MARKET!!!! Great Price for TENTATIVE TRACT MAP THAT IS APPROVED with the City of Victorville. This property is buildable and approved for 14 Homes. Investors or Developers this is your chance to start building in the heart of Victorville. Right Time to get this awesome property at the right price. See Tentative Map Approval attached just needs renewal the

    Colleen Couse Realty ONE Group Empire

    0 City View Dr Unit HD25142391, Victorville, CA 92395
  • /2

    $380,000

    • Land
    • 1.9 Acres
    • $200,000 per Acre

    0 Amargosa Rd Unit HD26001197, Victorville, CA 92392

    Access Type: Public Access # of RV Spaces: 0 Zoning Description: Residential 1 Lot Location Type: Standard Location Development Status: Raw Land Miscellaneous: Curb,Gutter Utility Adjc to Site: Gas,Electric,Water,Telephone,Sewer,Cable # of Attached Spaces: 0 # of Detached Spaces: 0 # of RV Spaces: 0

    Vittorio Cavina United California Realty

    0 Amargosa Rd Unit HD26001197, Victorville, CA 92392
  • /3

    $590,000

    • Land
    • 2.23 Acres
    • $265,145 per Acre

    0 Pahute Ave, Victorville, CA 92395

    Commercial lot right behind HOME DEPOT and AMAZON DISTRIBUTION CENTER. Tons of opportunities!!There is a small drainage in the back of the parcel. Buyer to verify net buildable acreage and all inspections.

    Peter Ghim Realty One Group Roads

    0 Pahute Ave, Victorville, CA 92395
  • /29

    $374,999

    • 3 Beds
    • 2 Baths
    • 1,174 Sq Ft

    14828 Stone Age Ln, Victorville, CA 92394

    Welcome to 14828 Stone Age Lane, a beautifully maintained single-story retreat located in a quiet, established Victorville neighborhood. This 3-bedroom, 2-bathroom home offers 1,174 sq. ft. of comfortable living space designed for both relaxation and entertaining. Step inside to find an inviting open floor plan featuring a cozy fireplace in the family room—perfect for chilly high-desert evenings.

    AMME LINDSEY KELLER WILLIAMS REALTY

    14828 Stone Age Ln, Victorville, CA 92394
  • /33

    $465,000

    • 3 Beds
    • 2.5 Baths
    • 1,973 Sq Ft

    18238 Kalin Ranch Dr, Victorville, CA 92392

    Welcome to 18238 Kalin Ranch Dr, Victorville, CA 92395, located in the highly desirable Spring Valley Lake community. This spacious 3-bedroom, 3-bath home offers nearly 2,000 sq ft of comfortable living space with an open and functional floor plan. Bright living areas flow into a well-appointed kitchen with ample cabinet and counter space. The primary suite features a private bath and a walk-in

    Gary Scotton Scotton Group & Associates, Inc.

    18238 Kalin Ranch Dr, Victorville, CA 92392
  • /41

    $321,300

    • 3 Beds
    • 2 Baths
    • 1,512 Sq Ft

    14669 La Brisa Rd, Victorville, CA 92392

    Huge Price Reduction!!! Ideal commuter location! This spacious 3-bedroom, 2-bath home sits on a fully fenced lot and offers a 2-car attached garage, RV parking with rear access, and plenty of space for all your recreational vehicles. Interior features include a covered front porch, separate living and family rooms with a cozy fireplace, and an enclosed patio complete with jacuzzi. Please contact

    Mathilde Kirkland First Team Real Estate-HighDes

    14669 La Brisa Rd, Victorville, CA 92392
  • /34

    $474,900 New Construction

    • 4 Beds
    • 2 Baths
    • 2,111 Sq Ft

    14332 Outer Hesperia Rd, Victorville, CA 92395

    Welcome to this beautifully crafted brand new home featuring 4 spacious bedrooms and 2 modern bathroom. Designed with an open floor plan, this home offer seamless flow between the living, dinning, and kitchen area-perfect for both everyday living and entertaining. Enjoy a bright and airy interior with contemporary finishes throughout. The generously sized lot provided plenty of space for RV

    Juan Torres CENTURY 21 MASTERS

    14332 Outer Hesperia Rd, Victorville, CA 92395
  • /44

    $510,000

    • 5 Beds
    • 4 Baths
    • 2,450 Sq Ft

    16137 Hamilton Ct, Victorville, CA 92394

    Welcome to this stunning newly built two-story modern home, offering space, style, and energy efficiency. Designed with tall ceilings throughout, the interior feels bright, airy, and impressively spacious. Vinyl wood flooring flows seamlessly through the home, complementing the contemporary design. The beautiful kitchen features a large center island with barstool seating—perfect for casual

    Arianna Anastasia BERKSHIRE HATHAWAY HOMESERVICES CALIFORNIA REALTY

    16137 Hamilton Ct, Victorville, CA 92394
  • /12

    $57,000

    • 1 Bed
    • 1 Bath

    12751 Mariposa Rd, Victorville, CA 92395

    Charming Mobile Home on Corner Lot - Low Space Rent! Don't miss this affordable 1-bedroom, 1-bath mobile home located on a desirable corner lot with low space rent! This cozy home features a comfortable living room, functional kitchen, and laminate flooring throughout for easy maintenance. The double-pane windows provide energy efficiency and natural light, and there are 2 window A/C units to

    Silvia Nava ACTION MOBILE HOMES

    12751 Mariposa Rd, Victorville, CA 92395
  • /7

    $79,500

    • Land
    • 5.46 Acres
    • $14,560 per Acre

    0 Turner Rd Unit ND25261613, Victorville, CA 92394

    Positioned with captivating views of the river, valley, and the iconic Route 66 bridge, this 5.46-acre parcel in Victorville is a rare find for investors or homebuilders seeking scenic charm with solid infrastructure access. The property benefits from a power line running across it along Turner Road—offering a major utility advantage—while the legal easement and dirt road frontage provide clear

    Donald Adamson Loanstar Financial

    0 Turner Rd Unit ND25261613, Victorville, CA 92394
  • /11

    $90,000

    • Land
    • 0.42 Acre
    • $214,797 per Acre

    0 Prenda St Unit HD26062830, Victorville, CA 92394

    Nestled in a serene surrounding with a picture-perfect location, this property offers good views and is surrounded by a fantastic neighborhood. Conveniently situated near the 15 Freeway with major shopping centers near bye. This lot comes with a plan already to build the home. Design, Engineering is done and is in the final stages of building and safety with the city of Victorville.

    Cameron Smith Inland Empire Equity Lending

    0 Prenda St Unit HD26062830, Victorville, CA 92394
  • /2

    $400,000

    • Land
    • 0.7 Acre
    • $572,246 per Acre

    0 Bear Valley Rd Unit HD25087414, Hesperia, CA 92345

    Excellent commercial lot on Bear Valley Rd, one of Hesperia’s busiest corridors! High traffic counts, great visibility, and surrounded by national retailers like Walmart, Starbucks, and Panera Bread. Zoned C2 General Commercial, ideal for retail, office, or restaurant use. Rapid area growth and easy access to I-15 make this a prime investment opportunity in the High Desert’s fastest-growing

    Marcus Thompson, Jr MGR Real Estate, Inc

    0 Bear Valley Rd Unit HD25087414, Hesperia, CA 92345
  • /4

    $479,900

    • 3 Beds
    • 1,280 Sq Ft

    16925 Monte Vista St, Victorville, CA 92395

    Great duplex with both units detached. Front unit is a 2 bedroom / 1 bathroom with 760 sqft. The back unit is a 1 bedroom / 1 bathroom with 520 sqft. This duplex sits in a cul-de-sac and has lots of parking. Each unit has its own yard. This property is perfect for 1st time buyer or an investor.

    Jose Ochoa Olympia Real Estate

    16925 Monte Vista St, Victorville, CA 92395
  • /42

    $400,000

    • 3 Beds
    • 2.5 Baths
    • 1,503 Sq Ft

    12269 Stonegate Cir, Victorville, CA 92392

    Beautiful 2-story pool home located in a quiet cul-de-sac! This home offers a great layout in a nice, peaceful neighborhood. Enjoy your own private backyard with a pool, perfect for relaxing or entertaining. Conveniently located just minutes from freeways, schools, and shopping centers, making daily commuting and errands easy. A great opportunity to own in a well-situated and desirable area.

    Jose Barraza Enriquez PONCE & PONCE REALTY, INC

    12269 Stonegate Cir, Victorville, CA 92392
  • /14

    $350,000

    • Land
    • 0.71 Acre
    • $495,961 per Acre

    0 Bear Valley Rd Unit HD25277417, Hesperia, CA 92345

    LOCATION, LOCATION, & LOCATION!! About 30,740 square feet or 0.70 of an acre of land located only 0.47 mile east from the busy Bear Valley Rd exit. About 107 feet of Bear Valley Rd frontage and 291 feet deep. All utilities including water, power, and sewer on Bear Valley Rd in front of the land. Surrounded by all major anchor type establishments including: Baker’s Drive Thru, Smart & Final,

    Matthew Hijazin Klick Realty

    0 Bear Valley Rd Unit HD25277417, Hesperia, CA 92345
  • /39

    $509,999

    • 3 Beds
    • 2.5 Baths
    • 2,217 Sq Ft

    14260 Meadow Grove Dr, Victorville, CA 92395

    ***Honey, stop the Car***Welcome to your new home, in the heart of Victorville, CA, Corner lot, Beautiful floor plan, Main livingroom with fireplace, and family room also has a fireplace. The kitchen has plenty of room to gather and prepare meals. Bedrooms are generously sized, providing privacy from the rest of the home. The primary bedroom has its own fireplace and bathroom for comfort. Close

    ROSEMARY AVALOS REALTY ONE GROUP EMPIRE

    14260 Meadow Grove Dr, Victorville, CA 92395
  • /53

    $559,000

    • 5 Beds
    • 3 Baths
    • 3,358 Sq Ft

    12636 Agave Bay St, Victorville, CA 92392

    Welcome to 12636 Agave Bay where luxury living meets comfort in one of Victorville’s most desirable neighborhoods. No HOA! From the moment you arrive, this stunning residence makes a powerful first impression with its elegant presence and grand curb appeal in the highly sought after 92392 zip code of Victorville CA. This home is minutes from all the best schools, shopping and freeways making it

    John Lindley Realty ONE Group Empire

    12636 Agave Bay St, Victorville, CA 92392
  • /31

    $485,000

    • 6 Beds
    • 3 Baths
    • 2,756 Sq Ft

    15651 Fairbanks Dr, Victorville, CA 92394

    THIS IS YOURS!!! Approximately 2,756 sq ft of living space, this 6-bedroom, 3-bath residence is ideal for growing families, multi-generational living, 3 car garage. Welcome to 15651 Fairbanks Dr, Victorville, CA 92394, a spacious and beautiful pool home that delivers fun, comfort, flexibility, and an outstanding lifestyle opportunity. The interior welcomes you with an open, airy layout featuring

    SALVADOR ARMIJO CARNAVAL REALTY

    15651 Fairbanks Dr, Victorville, CA 92394
  • /3

    $1,453,800

    • Land
    • 3.61 Acres
    • $402,715 per Acre

    0 Eagle Ranch Pkwy, Victorville, CA 92392

    Prime signalized corner perfectly poised for future commercial development. Over six-hundred (600') linear feet of frontage along heavily traveled Bear Valley Road - the main arterial roadway in the entire High Desert Region. This is the only remaining undeveloped signalized corner along Bear Valley Road between Interstate 15 and Highway 395. The northwest corner of Bear Valley Rd and Eagle Ranch

    Ryan Travis Kursch Group, Inc.

    0 Eagle Ranch Pkwy, Victorville, CA 92392
  • /2

    $450,000

    • Land
    • 3.65 Acres
    • $123,288 per Acre

    0 Palmdale Rd Unit HD23185233, Victorville, CA 92392

    3.65 ac Mixed Use land located on Palmdale Rd / Highway 18 in Victorville. General Plan was recently updated adjusting to Mixed Use 2 (15.1 - 30 units to the acre). Zoning Map should be updated within the next 6 months. Great location in the path of progress with the bonus of an upgraded land use providing much more opportunity and higher density.

    Joshua Tate Majestic Land, Homes Investmen

    0 Palmdale Rd Unit HD23185233, Victorville, CA 92392
  • /23

    $344,900

    • 2 Beds
    • 2 Baths
    • 878 Sq Ft

    13886 San Gorgonio Rd, Victorville, CA 92392

    Beautiful single-story home featuring 2 bedrooms and 2 full baths with vaulted ceilings and a bright, open layout. The interior offers durable laminate and tile flooring throughout, providing both style and easy maintenance. A spacious front yard adds great curb appeal, while the backyard patio creates an inviting space for relaxing or entertaining. This well-maintained home shows true pride of

    Lohmi Perez Real Estate eBroker Inc

    13886 San Gorgonio Rd, Victorville, CA 92392
  • /30

    $399,900

    • 3 Beds
    • 2 Baths
    • 1,393 Sq Ft

    13668 Glenmere Way, Victorville, CA 92392

    An excellent opportunity has become available for first-time homebuyers. This home is situated on a corner lot in a desirable neighborhood and features three bedrooms and two full bathrooms. The property is conveniently located near local schools, shopping centers, the Mall of Victorville, and Cinemark 16 XD. Residents will also enjoy close proximity to dining options such as Olive Garden and Red

    Martha Monica Ascencio Pinnacle Estate Properties, Inc.

    13668 Glenmere Way, Victorville, CA 92392
  • /2

    $465,000

    • 4 Beds
    • 3.5 Baths
    • 1,400 Sq Ft

    16620 Forrest Ave, Victorville, CA 92395

    Experience modern living in this newly built Victorville residence offering 4 bedrooms, 3.5 baths, and two private primary suites. Designed for comfort and functionality, one primary suite is conveniently located on the first floor with a patio just outside the bedroom, while the second-floor primary suite enjoys added privacy and direct access to its own private balcony. The open floor plan

    Ana Esparza iNet Realty

    16620 Forrest Ave, Victorville, CA 92395
  • /9

    $25,000

    • Land
    • 10 Acres
    • $2,500 per Acre

    0 Off Helendale Rd Unit HD26062259, Barstow, CA 93516

    Looking for wide-open space with long-term upside? This 10-acre parcel off Helendale Rd near Hwy 58 offers the perfect blend of recreation, privacy, and investment potential in the path of future growth. Located less than 4 miles from Hwy 58 and within driving distance to Barstow city limits and Silver Lakes, this property sits in a region experiencing major economic momentum. The upcoming

    Claudia Overson Coldwell Banker Home Source

    0 Off Helendale Rd Unit HD26062259, Barstow, CA 93516
  • /33

    $544,900 New Construction

    • 4 Beds
    • 2 Baths
    • 2,100 Sq Ft

    16319 Teton St, Victorville, CA 92395

    $40,000 PRICE REDUCTION!!! WOW-SELLER WANTS THIS HOME SOLD!!! This brand-new construction is designed with the popular, open-concept layout with soaring 9-ft ceilings as well as lots of large windows boasting an abundance of natural light thru out! Upon entry you are greeted with a spacious formal living/dining room with beautiful tile flooring and custom paint that creates a welcoming

    Lisa Dunham Coldwell Banker Home Source

    16319 Teton St, Victorville, CA 92395
  • /4

    $2,341,350

    • Land
    • 18.81 Acres
    • $124,474 per Acre

    0 Palmdale Rd Unit HD26004908, Victorville, CA 92392

    Two parcels totaling ±18.81 acres with split zoning: C-2 (General Commercial) and R-3 (Multiple Residential). Per owner, a lot line adjustment has been completed to designate the portion along Palmdale Rd for commercial use and the portion along Seneca Rd for residential development. Excellent mixed-use development opportunity located less than a mile from Interstate 15 and Highway 18. Surrounded

    Joseph W. Brady The Bradco Companies

    0 Palmdale Rd Unit HD26004908, Victorville, CA 92392
  • /32

    $429,999

    • 3 Beds
    • 2 Baths
    • 1,285 Sq Ft

    13196 Oberlin Ave, Victorville, CA 92392

    Beautifully Updated Single-Story Home with Modern Touches and a Bright, Open Floor Plan. Welcome to this stunning single-story home that perfectly combines comfort, style, and functionality. From the moment you step inside, you’ll love the bright and airy atmosphere created by high ceilings, large windows, and an open living space that’s ideal for family gatherings and everyday living. The modern

    Frida Arredondo de Castell Elevate Real Estate Agency

    13196 Oberlin Ave, Victorville, CA 92392
  • /2

    $99,999

    • Land
    • 0.3 Acre
    • $337,151 per Acre

    16333 Molino Dr, Victorville, CA 92395

    This spacious parcel of land is nestled in a well-established, clean, and safe neighborhood—offering the perfect opportunity to create your ideal living space. Surrounded by pride of ownership, this lot is located just minutes from schools, shopping centers, freeway access, and essential services. Whether you're looking to build your forever home or a smart investment property, this location

    Holly Flores EINSTEIN REALTY

    16333 Molino Dr, Victorville, CA 92395
  • /6

    $1,900,000

    • Land
    • 4.1 Acres
    • $463,415 per Acre

    0 Bear Valley Unit HD25233730, Victorville, CA 92395

    Prime commercial frontage on Bear Valley Road in Victorville — 178,596± SF (APN 3095-023-02-0000) with excellent exposure to I-15 traffic and immediate co-tenancy by national retailers and quick-service concepts. This corner parcel sits on one of the High Desert’s busiest retail corridors with strong daily vehicle counts and visibility to both local residents and regional thru-traffic. Ideal for

    Matthew Hijazin Klick Realty

    0 Bear Valley Unit HD25233730, Victorville, CA 92395

Showing Results 601 - 640, Page 16 of 17

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