606

Westminster, CO Homes for Sale

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  • /42

    $625,000

    Open Sun 1PM - 3PM
    • 4 Beds
    • 2 Baths
    • 1,739 Sq Ft

    8790 Lamar Dr, Arvada, CO 80003

    The upgrades you want and the Lake Arbor lifestyle you deserve—featuring no HOA, paid-off solar, spacious backyard w/ room for your trailer, toys, or extra storage! Welcome to your Lake Arbor retreat, where modern updates, flexible living spaces, & Colorado charm come together to create a home that's as functional as it is inviting. This move-in-ready home features a beautifully updated interior

    Kc Hutchings Resident Realty Colorado

    8790 Lamar Dr, Arvada, CO 80003
  • /35

    $670,000

    $14K PRICE DROP
    • 4 Beds
    • 3 Baths
    • 2,282 Sq Ft

    8733 Kendall Ct, Arvada, CO 80003

    8753 Kendall Ct, Arvada, CO 80003 PRICE REDUCTION! The seller just made a price adjustment. Experience modern living at its finest in this beautifully remodeled home, thoughtfully redesigned with style, comfort, and functionality in mind. Featuring 4 spacious bedrooms, 3 beautifully updated bathrooms, two inviting living areas, and two fireplaces, this home offers plenty of space for both

    Yulissa Moreno Keller Williams Realty Downtown LLC

    8733 Kendall Ct, Arvada, CO 80003
  • /36

    $849,900

    • 4 Beds
    • 3.5 Baths
    • 3,040 Sq Ft

    3595 W 67th Ave, Denver, CO 80221

    Welcome this beautiful and unique single-family ranch home situated on a corner lot with captivating mountain and lake views and the best part is NO HOA's. The main floor is an open floor plan with custom ceiling finishes in living area, natural lighting, a spacious kitchen with a large quartz island and countertops, tile backsplash and SS appliances, separate dining area, family room, spacious

    Shannon Picaso Picaso Real Estate

    3595 W 67th Ave, Denver, CO 80221
  • /10

    $190,000

    • 2 Beds
    • 1 Bath
    • 800 Sq Ft

    8330 Zuni St Unit 216, Denver, CO 80221

    Priced to sell! This remodeled 2-bedroom, 1-bath condo in the sought-after Fireside Condos offers an excellent opportunity for both owner-occupants and investors. Currently tenant-occupied, the condo has been refreshed with new paint, flooring, and updated cabinets throughout.The light-filled, open-concept living and dining area features new flooring, updated lighting, and a cozy fireplace as

    Zakron Stoskopf Resident Realty South Metro

    8330 Zuni St Unit 216, Denver, CO 80221
  • /19

    $244,900

    • 2 Beds
    • 1.5 Baths
    • 824 Sq Ft

    7957 Chase Cir Unit 190, Arvada, CO 80003

    Welcome to your move-in ready townhome in the well managed and maintained Westdale community. This peaceful home is located directly across from the pool and clubhouse, and includes a private patio which provides a quiet, shaded place to relax and enjoy a cup of coffee in the morning or an afternoon drink. Walk through the front door onto solid bamboo flooring, bathed in plenty of natural light,

    Daniel Gomer eXp Realty, LLC

    7957 Chase Cir Unit 190, Arvada, CO 80003
  • /34

    $255,000

    $20K PRICE DROP
    • 2 Beds
    • 1 Bath
    • 824 Sq Ft

    7977 Chase Cir Unit 47, Arvada, CO 80003

    Welcome home to your low maintenance living in this Westdale Arvada townhome! This centrally located townhome features two bedrooms on the upper level both with walk-in closets and beautifully remodeled full bathroom. The main level features newer stunning vinyl plank flooring, dining space and large kitchen with upgraded backsplash and plenty of cabinet and countertop space to spread out. The

    John Sannino Keller Williams Avenues Realty

    7977 Chase Cir Unit 47, Arvada, CO 80003
  • /47

    $339,000

    $30K PRICE DROP
    • 2 Beds
    • 1 Bath
    • 1,018 Sq Ft

    8467 Everett Way Unit E, Arvada, CO 80005

    WELCOME TO YOUR NEW HOME! The maturity of the surrounding trees is a very welcoming sight as you approach the Unit. The smell of the new paint and new luxury vinyl flooring is an invitation to an amazing updated 2 Bedroom 1 Bathroom open floor plan Oasis. With all new appliances, including washer and dryer as well as brand new kitchen cabinets and a beautiful kitchen backsplash as well as 2 new

    Daniel Skrbina Keller Williams Preferred Realty

    8467 Everett Way Unit E, Arvada, CO 80005
  • /43

    $650,000

    Open Sat 10AM - 1PM
    • 5 Beds
    • 2 Baths
    • 1,853 Sq Ft

    8596 Sheridan Ct, Arvada, CO 80003

    Fully Renovated Ranch on an Expansive Lot with Basement Investment Potential!Welcome to this beautifully remodeled brick ranch offering modern finishes, major system upgrades, and an oversized backyard with endless possibilities. Every detail has been thoughtfully updated, making this home truly move-in ready.Step inside to discover an open and inviting floor plan featuring

    Luis Rodriguez Keller Williams Realty Downtown LLC

    8596 Sheridan Ct, Arvada, CO 80003
  • /33

    $699,000

    $100K PRICE DROP
    • 4 Beds
    • 2.5 Baths
    • 2,471 Sq Ft

    10695 W 85th Place, Arvada, CO 80005

    Look at that view! This beautiful home has four bedrooms, three bathrooms, and is flooded with natural light. There is plenty of space to enjoy the open floor plan featuring vaulted ceilings in the living room, a formal dining room, separate office space, and a family room with a wood burning fireplace. Enjoy your morning coffee while taking in the views of Standley Lake. Relax on the back deck

    Ellen Wetzig Great Way RE Exclusive Properties

    10695 W 85th Place, Arvada, CO 80005
  • /36

    $248,000

    $17K PRICE DROP
    • 2 Beds
    • 1 Bath
    • 824 Sq Ft

    7971 Chase Cir Unit 51, Arvada, CO 80003

    New Lower Price for you! Welcome home to this sparkling clean, 2-bedroom end-unit townhome that perfectly blends modern updates with effortless convenience, priced to sell! This move-in-ready gem shines with fresh paint, new carpeting, and updated vinyl windows, while the heart of the home features sleek stainless steel appliances and a full-size washer and dryer for your convenience. You’ll love

    Kathy Peterson Keller Williams Avenues Realty

    7971 Chase Cir Unit 51, Arvada, CO 80003
  • /29

    $544,000

    $5K PRICE DROP
    • 3 Beds
    • 3 Baths
    • 1,232 Sq Ft

    7912 Depew St, Arvada, CO 80003

    Welcome to a truly unique Arvada property offering far more than the typical home. With fresh interior paint, new laminate flooring on the main level, and a comfortable move-in ready layout, this home delivers a rare combination of everyday livability, expanded space, and exceptional utility. The main level features a practical and functional floor plan with a dedicated laundry room, convenient

    Colin Kelley Compass - Denver

    7912 Depew St, Arvada, CO 80003
  • /50

    $665,000

    $60K PRICE DROP
    • 5 Beds
    • 2.5 Baths
    • 3,033 Sq Ft

    6901 Eliot St, Denver, CO 80221

    Newer construction, soaring sightlines and fresh finishes, this home's clean contemporary palette sets a tone that's easy to love and perfect as a serene canvas for your own style. At the heart of the main level, the great room commands attention: cathedral ceilings amplify the sense of space while floor-to-ceiling windows fill the room with sunshine and let you gaze out at the Colorado mountain

    Joe Solomon Your Castle Real Estate Inc

    6901 Eliot St, Denver, CO 80221
  • /22

    $525,000

    • 5 Beds
    • 2 Baths
    • 1,927 Sq Ft

    7136 Otis St, Arvada, CO 80003

    CHARMING BRICK RANCH IN LAMAR HEIGHTS! Located on a quiet street with mature trees, this 5-bedroom, 2-bath home offers a fantastic combination of character, space and location! The bright main level features newer paint, tile floors, ceiling fan and a picture window. The sun-filled kitchen offers great natural light with a window over the sink and two additional windows in the dining area. Three

    Brad Williams RE/MAX Northwest Inc

    7136 Otis St, Arvada, CO 80003
  • /30

    $539,900

    $29K PRICE DROP
    • 5 Beds
    • 2 Baths
    • 1,924 Sq Ft

    6743 King St, Denver, CO 80221

    Welcome to 6743 King Street — a side-by-side duplex in one of Denver's most actively redeveloping neighborhoods, and a rare chance to let your home help pay for itself. With 5 bedrooms and 2 bathrooms across 1,924 square feet on a generous 6,250 square foot lot, this property is built for a strategy more buyers are discovering: live in one unit, rent the other, and put a tenant's rent toward your

    Kelly McBartlett Compass Colorado, LLC - Boulder

    6743 King St, Denver, CO 80221
  • /31

    $450,000

    • 2 Beds
    • 1.5 Baths
    • 1,090 Sq Ft

    14300 Waterside Ln Unit F4, Broomfield, CO 80023

    McKay Lake views! This beautifully updated end-unit townhome offers one of the best locations in the community with direct access to trails and peaceful lake views. Recent upgrades include ~$33,000 in new Anderson windows with transferable warranty, new HVAC (November of 2024), new appliances, quartz countertops, new sink, new carpet (2026), and electronic shades, making this home completely

    Kellie Craig Realty One Group Five Star

    14300 Waterside Ln Unit F4, Broomfield, CO 80023
  • /12

    $258,000

    • 2 Beds
    • 1 Bath
    • 800 Sq Ft

    7974 Chase Cir Unit 77, Arvada, CO 80003

    Welcome to 7974 W. Chase Circle #77 in Arvada! This charming 2-bedroom, 1-bath ranch-style townhome offers comfortable, low-maintenance living with an open floor plan, abundant natural light, and tasteful updates throughout. The inviting kitchen features butcher block countertops, stainless steel appliances, and ample cabinet space, while the private fenced patio provides the perfect spot to

    Janet Frederick RE/MAX Professionals

    7974 Chase Cir Unit 77, Arvada, CO 80003
  • /31

    $525,000

    $34K PRICE DROP
    • 4 Beds
    • 2 Baths
    • 1,680 Sq Ft

    6160 W 77th Place, Arvada, CO 80003

    Welcome home to this charming Arvada gem, where comfort, convenience, and peace of mind come together! Nestled in a desirable neighborhood, this home features several thoughtful updates that make it move-in ready and easy to enjoy. Stay cool all summer long with newly installed central A/C, and breathe easy knowing a radon mitigation system has already been installed. The basement bedroom now

    Denny Brehm Madison & Company Properties

    6160 W 77th Place, Arvada, CO 80003
  • /42

    $609,000

    $13K PRICE DROP
    • 3 Beds
    • 2.5 Baths
    • 2,073 Sq Ft

    12439 James St, Broomfield, CO 80020

    New roof being installed. New furnace and central air being installed. **First American Home Warranty just added for this home.**Sought after Crofton Park Cottages community! Beautiful 2-story floorplan. Low maintenance living. Hardwood flooring in the entryway, hallway, bathroom and kitchen. Kitchen features an island and breakfast bar, quartz countertops and freshly painted white cabinetry

    Gerhard Leicht The Leicht Source Realty LLC

    12439 James St, Broomfield, CO 80020
  • /30

    $260,000

    • 2 Beds
    • 1 Bath
    • 900 Sq Ft

    8765 Chase Dr Unit 194, Arvada, CO 80003

    Welcome to a rare opportunity to live on a golf course. Perfectly positioned along the Arbor Green Golf Course, this home offers beautiful views, abundant natural light, and an unbeatable location with the community pool just across the street. The spacious living room is anchored by a cozy fireplace, creating a warm and inviting gathering space. The kitchen was updated approximately eight years

    Brittany Heckenberg Real Broker, LLC DBA Real

    8765 Chase Dr Unit 194, Arvada, CO 80003
  • /19

    $422,000

    • 3 Beds
    • 3 Baths
    • 1,964 Sq Ft

    8639 Jay Ct, Arvada, CO 80003

    Opportunity awaits at 8639 Jay Court in Arvada! Situated on a desirable corner lot, this property offers incredible potential for investors, flippers, or buyers looking to create their dream home. With solid bones and a functional layout, this home is ready for a complete renovation and your personal vision. The home also features a partially finished basement that provides additional living

    Kimberly Pitaniello RE/MAX Alliance

    8639 Jay Ct, Arvada, CO 80003
  • /16

    $514,900

    New Construction
    • 3 Beds
    • 6 Baths
    • 1,779 Sq Ft

    2658 W 68th Ave, Denver, CO 80221

    Stylish, light-filled, and thoughtfully designed, this modern three-level townhome offers privacy, functionality, and contemporary living at its best. The home features 3 bedrooms, 2 full baths, and 2 half baths, along with a versatile bonus room perfect for a home office, gym, or additional living space. Only Quick-Move-In home at Westminster Station with 3 bedrooms on upper floor! The

    Cardel Homes Builder
    2658 W 68th Ave, Denver, CO 80221
  • /46

    $469,900

    $100K PRICE DROP
    • 5 Beds
    • 2 Baths
    • 2,075 Sq Ft

    7064 Ingalls Ct, Arvada, CO 80003

    Welcome to 7064 Ingalls Court — a beautifully updated ranch-style home in one of Arvada's most sought-after neighborhoods. Step inside to a bright, open-concept layout where stylish lighting and new carpeting throughout give the home a clean, move-in-ready feel that's hard to find. Fresh interior paint adds to the polished, updated aesthetic from the moment you walk in. The heart of the home is a

    Ken Blevins Real Broker, LLC DBA Real

    7064 Ingalls Ct, Arvada, CO 80003
  • /25

    $255,300

    • 2 Beds
    • 1 Bath
    • 824 Sq Ft

    7917 Chase Cir Unit 159, Arvada, CO 80003

    Welcome home to this inviting 2-bedroom, 1-bath end-unit townhome nestled in one of Arvada's most sought-after communities along Chase Circle. Bathed in extra natural light and offering added privacy with only one shared wall, this two-story residence delivers the perfect blend of low-maintenance living and an unbeatable location. Situated just minutes from Old Town Arvada and a short drive to

    Tony Greene RE/MAX Professionals

    7917 Chase Cir Unit 159, Arvada, CO 80003
  • /24

    $260,000

    $20K PRICE DROP
    • 2 Beds
    • 1 Bath
    • 900 Sq Ft

    8749 Chase Dr Unit 158, Arvada, CO 80003

    Welcome home to Arbor Green where comfortable, low-maintenance living meets true community. Step outside your door to a clubhouse, pool, playground, and scenic walking paths woven through this lush, spacious neighborhood. Golf, dining, shopping, entertainment, and public transit are all just minutes away on foot, with major highways close at hand. Inside, sunlight fills an open, airy layout

    Shelley Leyba Cale 8z Real Estate

    8749 Chase Dr Unit 158, Arvada, CO 80003
  • /21

    $380,000

    • 2 Beds
    • 2.5 Baths
    • 1,063 Sq Ft

    14300 Waterside Ln Unit 1, Broomfield, CO 80023

    NEW PRICE ~ Well below market value!!! Zero Down program is available when using preferred lender allowing a Buyer to purchase a home with zero down payment! Get you new home near the lakes and everything wonderful about Colorado. Come see this beautifully appointed executive-style townhome, and an open-concept layout create a sophisticated backdrop for both daily relaxation and vibrant

    Thaddeus Howells Compass - Denver

    14300 Waterside Ln Unit 1, Broomfield, CO 80023
  • /25

    $366,000

    $24K PRICE DROP
    • 3 Beds
    • 2 Baths
    • 1,140 Sq Ft

    8796 Chase Dr Unit 5, Arvada, CO 80003

    1% Rate Buydown Available When You Use Our Preferred Lender! Motivated sellers offering one of the best values near Lake Arbor Golf Club! Enjoy easy, single-level living in this beautifully maintained home, ideally located near the golf course with quick access to both Denver and Boulder. Inside, you'll find a bright, open floor plan with an updated kitchen that flows effortlessly into the living

    Daniel Graves Fathom Realty Colorado LLC

    8796 Chase Dr Unit 5, Arvada, CO 80003
  • /11

    $229,900

    $30K PRICE DROP
    • 2 Beds
    • 1 Bath
    • 900 Sq Ft

    8791 Pierce Way Unit 107, Arvada, CO 80003

    Nice updated condo in great location! Easy access to I-36 and close to transportation, shopping and entertainment. End unit. Light and bright throughout. Large living room. Updated kitchen includes stove, dishwasher, microwave and refrigerator. Dining nook. Large primary bedroom with big walk-in closet. Full updated bath. Good size secondary bedroom. Beautiful laminate flooring throughout.

    Daniel Stojeba RE/MAX Leaders

    8791 Pierce Way Unit 107, Arvada, CO 80003
  • /49

    $499,900

    $15K PRICE DROP
    • 4 Beds
    • 2 Baths
    • 2,276 Sq Ft

    7981 Robin Ln, Denver, CO 80221

    Welcome to this beautiful mid-century brick home nestled among mature trees in the Sherrelwood neighborhood. Enjoy easy main-level living at its finest with no stairs and no HOA! The bright interior features hardwood floors, large windows, brand-new carpet, and fresh paint throughout. A clean kitchen includes a new refrigerator and an open-concept breakfast counter that flows seamlessly into the

    Dirk Boden Bradford Real Estate

    7981 Robin Ln, Denver, CO 80221
  • /38

    $375,000

    • 2 Beds
    • 2.5 Baths
    • 1,320 Sq Ft

    5242 W 68th Ave Unit 5242, Arvada, CO 80003

    Welcome to 5242 W 68th Ave—where location, convenience, and peace of mind come together in a beautifully updated, move-in ready home. Situated in a highly desirable area, this property offers easy access to shopping, dining, parks, and major commuter routes, making everyday living effortless.This home has been thoughtfully upgraded with a focus on modern comfort and low-maintenance living. Enjoy

    Shawntel Sumstad Key Team Real Estate Corp.

    5242 W 68th Ave Unit 5242, Arvada, CO 80003
  • /20

    $274,000

    Open Sun 11:30AM - 1:30PM $16K PRICE DROP
    • 2 Beds
    • 1 Bath
    • 900 Sq Ft

    8798 Chase Dr Unit 4, Arvada, CO 80003

    Newly refreshed golf course townhome in Arvada's Arbor Green community, sitting directly across from Lake Arbor Golf Course with mountain glimpses from the living room. It's an end unit with only one shared wall, so light comes in from three sides, which makes it brighter and quieter than a typical interior unit. At $274,000, this is one of the best entry points into the community and the numbers

    The McClain Group Madison & Company Properties

    8798 Chase Dr Unit 4, Arvada, CO 80003
  • /45

    $660,000

    • 3 Beds
    • 2.5 Baths
    • 2,030 Sq Ft

    12445 Julian Ct, Broomfield, CO 80020

    Welcome to this beautifully appointed 3-bedroom, 3-bath home offering 2,940 square feet of comfortable, low-maintenance living in one of Broomfield's most sought-after communities. The showpiece is a newly remodeled gourmet kitchen — quartzite countertops, newer stainless appliances including an induction range, a touchless faucet, under-counter lighting, custom cabinet pull-outs, and a designer

    Steve Novak LoKation Real Estate

    12445 Julian Ct, Broomfield, CO 80020
  • /28

    $487,400

    $28K PRICE DROP
    • 5 Beds
    • 3 Baths
    • 2,025 Sq Ft

    445 Hickory Place, Broomfield, CO 80020

    ** PRICE DROP!** Welcome to this spacious ranch-style home ideally situated in the heart of Broomfield, just minutes from shopping, dining, recreation, and community amenities. The main level features 3 bedrooms, 2 full bathrooms, and an open-concept floorplan designed for comfortable everyday living and effortless entertaining. The fully finished basement offers exceptional flexibility with 2

    Trevor Hammers Your Castle Real Estate Inc

    445 Hickory Place, Broomfield, CO 80020
  • /28

    $320,000

    • 2 Beds
    • 1.5 Baths
    • 1,040 Sq Ft

    8761 Pierce Way Unit 93, Arvada, CO 80003

    Charming townhouse offering comfort, convenience, and low-maintenance living in beautiful Arvada, CO. This well-maintained home spans 1,040 square feet and is thoughtfully designed, including 2 spacious bedrooms and 1.5 bathrooms. With its eastern exposure, the property is filled with natural light, creating a warm and welcoming atmosphere throughout. The main floor features a functional layout

    T.J. Gordon Compass - Denver

    8761 Pierce Way Unit 93, Arvada, CO 80003
  • /37

    $285,000

    $15K PRICE DROP
    • 2 Beds
    • 1 Bath
    • 900 Sq Ft

    7994 Chase Cir Unit 20, Arvada, CO 80003

    GREAT PRICE REDUCTION AT $285000. Great price for this stunning unit!! Warm & Inviting Move right in and start living! This charming second-floor Arvada condo offers a rare sense of outdoor privacy, thanks to a gorgeous, mature pine tree just off the deck — the perfect backdrop for morning coffee or evening unwinding. Inside, you'll find beautiful laminate wood flooring and tile flowing through

    KEVIN MASSEY Cornerstone Real Estate & Property Management LLC

    7994 Chase Cir Unit 20, Arvada, CO 80003
  • /23

    $209,000

    • 2 Beds
    • 1 Bath
    • 800 Sq Ft

    8330 Zuni St Unit 109, Denver, CO 80221

    Welcome home to this beautifully updated first floor condo located in the heart of Federal Heights at 8330 Zuni St. This inviting home combines comfort, style, and convenience with modern finishes and cozy features that make the space feel warm and welcoming from the moment you walk in. The thoughtfully renovated kitchen features stunning white shaker cabinetry, sleek quartz countertops with

    Blayze Petersen Ed Prather Real Estate

    8330 Zuni St Unit 109, Denver, CO 80221
  • /22

    $319,000

    • 1,661 Sq Ft

    11150 Huron St Unit 211, Northglenn, CO 80234

    Exceptional investment opportunity with this 1,661-square-foot, second-floor medical office condo, leased to an established dental practice under a triple net (NNN) lease. With four years remaining on a five-year lease, this property offers immediate, predictable income, making it an excellent turnkey investment or an ideal option for an investor completing a 1031 exchange. Located within the

    Bob Distel MB/Park Place Brokers & Realty

    11150 Huron St Unit 211, Northglenn, CO 80234
  • /22

    $584,000

    $15K PRICE DROP
    • 4 Beds
    • 2 Baths
    • 1,846 Sq Ft

    8370 Sheridan Ct, Arvada, CO 80003

    Completely renovated in 2024, this move-in ready 4-bedroom, 2-bath ranch offers modern finishes and a versatile layout with a separate entrance to the finished basement. The bright main level features refinished hardwood floors and a beautifully updated kitchen with shaker cabinets, quartz countertops, and a full-height backsplash. Both bathrooms have been remodeled with tiled shower surrounds

    Art Souvannamacho Mitchell Platte Brokerage,LLC

    8370 Sheridan Ct, Arvada, CO 80003
  • /25

    $420,000

    $30K PRICE DROP
    • 3 Beds
    • 2 Baths
    • 1,827 Sq Ft

    7100 Zuni St, Denver, CO 80221

    Don't miss this great opportunity to own this 3 bedroom, 2 bathroom home full of potential. This property is spacious with lots of space for storage. Open floor plan. Large attached carport. Great size lot, perfect for entertaining. Conveniently located near major highways, dining and parks. Bring your vision and make this property your own!

    Contessa Quintana Allure Realty

    7100 Zuni St, Denver, CO 80221
  • /32

    $690,000

    $20K PRICE DROP
    • 5 Beds
    • 3.5 Baths
    • 2,311 Sq Ft

    11734 W 85th Ave, Arvada, CO 80005

    Rare opportunity to own a home backing directly to Little Dry Creek Trail with your own private gate for instant access to miles of walking, running, and biking trails. Imagine stepping out your back door for an evening stroll, morning run, or bike ride, then relaxing under the covered patio while enjoying the privacy of having no rear neighbors. Perfectly located with quick access to grocery

    Renee Sobering Keller Williams Avenues Realty

    11734 W 85th Ave, Arvada, CO 80005
  • /38

    $468,000

    $30K PRICE DROP
    • 3 Beds
    • 2 Baths
    • 1,728 Sq Ft

    11779 Acoma St, Northglenn, CO 80234

    Are you ready to live in a well located, family orientated, quietneighborhood? Do you want to have easy access to I-25, or forget thehassle of driving all together and catch a ride at the convenientPark-n-ride just a short block away? Is having access to parks, walkingpaths, daycare, schools and shopping important to you? Are you seekinga comfortable, airy, spacious home? From

    Bill Schwabe Schwabe Real Estate Inc

    11779 Acoma St, Northglenn, CO 80234

Showing Results 561 - 600, Page 15 of 16

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