366

Apopka, FL Homes for Sale with No HOA Fee

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  • /47

    $479,990 New Construction

    • 4 Beds
    • 2.5 Baths
    • 2,240 Sq Ft

    Everly Plan at Single-Family Homes, Apopka, FL 32703

    The beautifully appointed Everly floor plan offers 4 bedrooms, 2.5 bathrooms, a 3-car garage, and 2,240 square feet of thoughtfully designed, open-concept livingall on one level. From the inviting covered front porch, step through the impressive 8' front door into a welcoming foyer with soaring 9'4 ceilings and an airy layout that flows seamlessly into the expansive great room, dining area, and

    Hartizen Homes Builder
    855 Emerald Grove St Unit 36644552, Apopka, FL 32703
  • /4

    $71,900

    • 3 Beds
    • 2 Baths

    1719 Sunburst Dr Unit 430, Apopka, FL 32712

    Ready for some fun in the sun? Right now, you can purchase a 2019 3 bed/2 bath, 1056 sq. ft. home for only $81,900.00 plus lot fees. This home is located in Rock Springs, a family-oriented, professionally managed manufactured home community. Call today and make an appointment to view this home.

    Tori Coil Rock Springs

    1719 Sunburst Dr Unit 430, Apopka, FL 32712
  • /5

    $575,000

    • Land
    • 10.01 Acres
    • $57,443 per Acre

    0 W Kelly Park Rd Unit MFRO6333839, Apopka, FL 32712

    10 acres of vacant land in Apopka located in the growing area of Rock Springs! Lot is buildable. Water and sewer are near by. Conveniently located near state parks, major highways, shopping and dining. View this property today!

    Nicole Anderson HD REALTY LLC

    0 W Kelly Park Rd Unit MFRO6333839, Apopka, FL 32712
  • /11

    $359,000

    • Land
    • 2 Acres
    • $179,500 per Acre

    608 E 13th St, Apopka, FL 32703

    Nearly 2 Acres Vacant land, great location, ready to build. Seller its open to do an owner financing.

    Rosa Rodriguez STIRLING INTERNATIONAL REAL ES

    608 E 13th St, Apopka, FL 32703
  • /29

    $392,000

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

    498 Timberwolf Trail, Apopka, FL 32712

    Welcome home to this beautiful 4-bedroom, 2-bath residence in the desirable Rolling Oaks community. Designed with an open floor plan, this home is ideal for both everyday living and entertaining. The well-appointed kitchen features shaker-style cabinetry and granite countertops and opens seamlessly to a spacious living room highlighted by a cozy fireplace. With ample bedrooms, there’s plenty of

    James Broadus DIVERSIFIED REALTY HOLDINGS

    498 Timberwolf Trail, Apopka, FL 32712
  • /24

    Price To Be Determined New Construction

    • 5 Beds
    • 3 Baths
    • 2,077 Sq Ft

    Lakeside Plan at Sagewood, Apopka, FL 32703

    Welcome to Sagewood, a brand-new home community in the vibrant city of Apopka. This community will feature a range of single-family floorplans, from single-story to two-story designs, offering 3 to 5 bedrooms, up to 3 bathrooms, and 2-car garages. Step inside and experience the attention to detail and high-quality finishes, such as RevWood Select flooring. The kitchen showcases elegant cabinetry,

    D.R. Horton Builder
    0 E Votaw Rd Unit 36202683, Apopka, FL 32703
  • /2

    $299,000

    • Land
    • 1.58 Acres
    • $189,241 per Acre

    0 S Orange Blossom Trail, Apopka, FL 32703

    Great Location!! .45 of vacant land Zoned I-L . This property is located adjacent to Rodeway Inn Hotel land within close proximity of Shoot Straight Apopka. Industrial land in Apopka offering flexibility for various uses supporting Storage,Warehouse Distribution, retail. 384 Ft. of Premier Frontage on US Highway 441 ( Orange Blossom Tr. ) High traffic corridor with exceptional visibility and

    Lou Haubner LOU HAUBNER REALTY, INC.

    0 S Orange Blossom Trail, Apopka, FL 32703
  • /5

    $120,000

    • Land
    • 0.28 Acre
    • $428,571 per Acre

    0 Sheeler Oaks Dr Unit MFRO6337662, Apopka, FL 32703

    Ideal residential vacant lot for home owners ready to build their dream home! Please note the vacant lot is located on Sheeler Oaks Drive! Address will be assigned when permit is pulled for new construction. Huge beautiful Florida land 75' wide by 75 sq. foot. Power is at the road. This is a great property within a great neighborhood. Are you looking for land in Apopka? This is the one for you.

    Juan Ruiz MARVIEW INTERNATIONAL REALTY LLC

    0 Sheeler Oaks Dr Unit MFRO6337662, Apopka, FL 32703
  • /51

    $874,000

    • 5 Beds
    • 3 Baths
    • 2,008 Sq Ft

    424 E Welch Rd, Apopka, FL 32712

    Rare income-producing agricultural opportunity on 4.9 acres in Apopka!This unique property offers multiple revenue streams and is ideal for investors, nursery operators, or owner-users seeking land, infrastructure, and income in one package. Zoned RCE, the property includes a 10,027 sq ft shade house with new, active irrigation, a new well pump, and an updated irrigation system already in

    Ozzie Quiroz COLDWELL BANKER RESIDENTIAL RE

    424 E Welch Rd, Apopka, FL 32712
  • /3

    $475,990 New Construction

    • 3 Beds
    • 3 Baths
    • 2,371 Sq Ft

    Lexington w/ Bonus Plan at Crossroads at Kelly Park - 52' Homesites, Apopka, FL 32712

    The Lexington with Bonus floorplan offers a versatile layout perfect for both comfort and functionality. This one-story design includes 3 bedrooms and 2 bathrooms, complemented by a spacious three-car garage, providing ample storage and parking options. What sets this plan apart is the large bonus room on the second floor, ideal for creating a personalized space, whether it be a media room, home

    Dream Finders Homes Builder
    5306 Marshelder St Unit 36448802, Apopka, FL 32712
  • /19

    $50,000

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

    1372 Everglades Cir Unit 64, Apopka, FL 32703

    Gabriel Dumeng AMAZING MOBILE HOMES LLC

    1372 Everglades Cir Unit 64, Apopka, FL 32703
  • /3

    $975,000

    • Land
    • 0.6 Acre
    • $1,625,000 per Acre

    2607 E Semoran Blvd, Apopka, FL 32703

    ZONED C-1 VACANT UNIMPROVED LAND.ONE OF THE FEW REMAINING COMMERCIAL LOTS AT THE PRIME LOCATION ON STATE ROAD 436.BY THE ORANGE COUNTY DEFINITION ZONED FOR RETAIL COMMERCIAL DISTRICT AREA AND IDEAL FOR MULTIPLE USES INCLUDING A GROCERY/RETAIL STORE, RESTAURANT, BANK, PROFESSIONAL OFFICES, ETC..ADJACENT PARCEL OF THE SAME SIZE IS AVAILABLE FOR SALE MLS O6033518

    Elena Smith PRIMAC GROUP, INC

    2607 E Semoran Blvd, Apopka, FL 32703
  • /45

    $650,000

    • 2 Beds
    • 2 Baths
    • 1,792 Sq Ft

    224 E Kelly Park Rd, Apopka, FL 32712

    Turnkey Investment Property! Discover this perfect investment opportunity! TWO INCOME producing vacation rental homes! Located just a stone's throw away from the enchanting Rock Springs Run State Reserve, you can easily immerse yourself in the beauty of nature by exploring the scenic trails or floating in the crystal-clear blue waters. And that's not all! With Universal Studios and Disney World

    Mark Loomis WATSON REALTY CORP

    224 E Kelly Park Rd, Apopka, FL 32712
  • /24

    $529,990 New Construction

    • 4 Beds
    • 3.5 Baths
    • 2,733 Sq Ft

    Clementine Plan at Single-Family Homes, Apopka, FL 32703

    The Clementine Versatile Two-Story Living with Flexible OptionsThe Clementine is a thoughtfully designed two-story floor plan offering 4 spacious bedrooms, 3.5 bathrooms, a 3-car tandem garage, a generous loft, and a versatile flex roomperfect for a home office, playroom, or formal dining area. With an open-concept layout designed for modern living, this home delivers the ideal balance of space,

    Hartizen Homes Builder
    855 Emerald Grove St Unit 36644735, Apopka, FL 32703
  • /15

    $1,800,000

    • Land
    • 7.76 Acres
    • $231,959 per Acre

    3280 & 3198 Sheaf Rd, Apopka, FL 32703

    Nearly **8 ACRES** of prime **LAKEFRONT** land on **LAKE APOPKA**, offering a rare opportunity to create something truly special! This expansive property is made up of two separate parcels – one approximately 2 acres and an adjoining 5.76 acre lot – providing flexibility, privacy, and long-term potential. A large 5-car stall/metal building, recently installed on a solid concrete pad, is already

    Jennifer Wemert WEMERT GROUP REALTY LLC

    3280 & 3198 Sheaf Rd, Apopka, FL 32703
  • /4

    $115,900 New Construction

    • 3 Beds
    • 2 Baths

    1556 Tropic Isle Dr Unit PI025, Apopka, FL 32712

    Make your new home in Palm Isles, a well-maintained, professionally managed manufactured home community! Own a 2025 3 bed/2 bath, 1232 sq. ft. home in a gorgeous neighborhood. Palm Isles is the perfect place to enjoy the laid-back Florida lifestyle! Let us show you around the place! Call and schedule a viewing today!

    Tori Coil Palm Isles

    1556 Tropic Isle Dr Unit PI025, Apopka, FL 32712
  • /3

    $445,990 New Construction

    • 3 Beds
    • 2 Baths
    • 1,893 Sq Ft

    Lexington Plan at Crossroads at Kelly Park - 52' Homesites, Apopka, FL 32712

    The Lexington floorplan is a spacious one-story design, featuring three comfortable bedrooms and two bathrooms, offering a total of 1,856 square feet. This home includes a versatile three-car garage with tandem space, perfect for extra storage or a workshop area. The open-concept layout connects the great room, cafe, and kitchen, creating a welcoming atmosphere for entertaining and everyday

    Dream Finders Homes Builder
    5306 Marshelder St Unit 36455581, Apopka, FL 32712
  • /7

    $280,000

    • 3 Beds
    • 2 Baths
    • 1,253 Sq Ft

    94 E 18th St, Apopka, FL 32703

    One or more photo(s) has been virtually staged. Looking for homes under 300k in Apopka with NO HOA? This 3-bedroom home offers a rare combination of affordability, privacy, and flexibility. Built in 2006 with a split floor plan and garage parking, it meets real buyer demand in today’s market. This 3-bedroom, 2-bath home in Apopka with NO HOA offers a functional layout designed for comfortable

    Gail Bell EXP REALTY LLC

    94 E 18th St, Apopka, FL 32703
  • 2419 Cedar Rose St Unit 36358624, Apopka, FL 32712

    $399,995 New Construction

    • 3 - 4 Beds
    • 2.5 - 3.5 Baths
    • 1,814 Sq Ft

    Kelly Plan at The Oaks at Kelly Park - Breton Collection, Apopka, FL 32712

    Stylish townhome luxe. The Kelly's inviting porch and welcoming foyer reveal the spacious great room, dining room, and desirable large covered lanai beyond. The well-designed gourmet kitchen is complete with a large center island with breakfast bar, plenty of counter and cabinet space, and sizable walk-in pantry. The beautiful primary bedroom suite is enhanced by an ample walk-in closet and

    Toll Brothers, Inc. Builder
    2419 Cedar Rose St Unit 36358624, Apopka, FL 32712
  • 1590 Ridgeback Ln, Apopka, FL 32703

    $529,000 New Construction

    • 3 Beds
    • 2.5 Baths
    • 2,061 Sq Ft

    1590 Ridgeback Ln, Apopka, FL 32703

    Stylish urban comfort. The Bellamy's inviting porch and entry flow into the welcoming foyer and a bright flex room, revealing the spacious great room, dining room, and desirable covered lanai beyond. The well-equipped gourmet kitchen is highlighted by a large center island with breakfast bar, plenty of counter and cabinet space, and ample walk-in pantry. The serene primary bedroom suite is

    Toll Brothers, Inc. Builder
    1590 Ridgeback Ln, Apopka, FL 32703
  • /18

    $360,000

    • 3 Beds
    • 2 Baths
    • 1,402 Sq Ft

    3507 Curtis Dr, Apopka, FL 32703

    Welcome to this beautifully maintained corner-lot, 3-bedroom, 2-bath home in the heart of Bear Lake—perfectly positioned at the border of Apopka, Altamonte Springs, and Orlando.This charming property offers both convenience and quality living, located just a short walk or quick drive to excellent public and private schools, including Bear Lake Elementary, Teague Middle School, and Lake Brantley

    Adeli Galvis MARVIEW INTERNATIONAL REALTY LLC

    3507 Curtis Dr, Apopka, FL 32703
  • 1394 Pinecliff Dr, Apopka, FL 32703

    $689,000 New Construction

    • 3 Beds
    • 2.5 Baths
    • 2,510 Sq Ft

    1394 Pinecliff Dr, Apopka, FL 32703

    The Phoenix home design offers exceptional one-story living with an exquisite open-concept floor plan. An elegant foyer hallway opens into a spacious great room, casual dining area, and an airy covered lanai beyond. The well-appointed kitchen features a large center island with breakfast bar, plenty of counter and cabinet space, and a walk-in pantry. The serene primary bedroom features a roomy

    Toll Brothers, Inc. Builder
    1394 Pinecliff Dr, Apopka, FL 32703
  • /6

    $2,500,000

    • Land
    • 10 Acres
    • $250,000 per Acre

    4160 Golden Gem Rd, Apopka, FL 32712

    Prime 9.87± Acre Development Opportunity within the Kelly Park Interchange AreaTotal Assemblage: 19.75± Acres (including adjacent parcel at 4146 Golden Gem Rd.) This exceptional development site is strategically located within the Kelly Park Development Interchange (KPI) — the epicenter of Apopka’s next major growth corridor. *Location Highlights:Positioned approximately 1.5 miles from SR

    Whitney Saldana KELLER WILLIAMS ELITE PARTNERS III REALTY

    4160 Golden Gem Rd, Apopka, FL 32712
  • /8

    $189,900

    • Land
    • 0.74 Acre
    • $256,622 per Acre

    0 N Thompson Rd Unit MFRO6350819, Apopka, FL 32712

    Build your dream home on this .74-acre lot in Apopka! Just 5 minutes from Wekiva Springs State Park, enjoy privacy and nature while staying close to major highways, shopping, and dining. A perfect blend of seclusion and convenience! No HOA and No time limit to build.

    Matt White SLOANE REALTY, LLC

    0 N Thompson Rd Unit MFRO6350819, Apopka, FL 32712
  • /22

    $48,900

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

    1169 Bellwood Cir, Apopka, FL 32703

    Welcome to The Hills, a peaceful and active 55plus community in beautiful Apopka, Florida, just minutes from shopping, dining, medical facilities, and even Walt Disney World. This well-maintained 2 bedroom, 2 bathroom home is move-in ready and full of features you will love. Beautiful fenced backyard, perfect for pets, relaxing, or gardening. Inside washer and dryer. Updated PVC plumbing.

    Shelly Shippam Four Star Homes, Inc.

    1169 Bellwood Cir, Apopka, FL 32703
  • /15

    $1,295,000

    • Land
    • 5.17 Acres
    • $250,484 per Acre

    2061 W Kelly Park Rd, Apopka, FL 32712

    5.17 acres of opportunity! 169 feet on W Kelly Park Road. Property has well and septic. Water, Reclaim and Force Main sewer are available to the property per City of Apopka. Some light greenhouses and shipping building on property now. 1.5 approx miles from the new Publix and the 429 ramps at Kelly Park Crossing! Great development opportunity. The 9.75 acre parcel to the east (reference MLS

    Jami Robinson LPT REALTY, LLC

    2061 W Kelly Park Rd, Apopka, FL 32712
  • /10

    $3,000,000

    • Land
    • 5.98 Acres
    • $501,672 per Acre

    51 E Ponkan Rd, Apopka, FL 32712

    Prime corner location at Rock Springs Road and Ponkan Road! This 5.98-acre property offers exceptional visibility and endless potential in one of Apopka’s fastest-growing areas. Just minutes from the 429/453 toll road connection, Rock Springs Run State Park, the Northwest Recreation Complex, and the Apopka Amphitheater, this property is ideally positioned for development, investment, or a private

    Dana Bruns HANSON REAL ESTATE GROUP, INC.

    51 E Ponkan Rd, Apopka, FL 32712
  • /25

    $387,999 New Construction

    • 4 Beds
    • 2.5 Baths
    • 1,774 Sq Ft

    612 Emerald Grove Dr, Apopka, FL 32703

    This quick move-in Amity is a stunning 4-bedroom corner townhome featuring a spacious two-car garage and a convenient first-floor primary suite, located in the amenity-rich community of Eden Crest in Apopka. Inside, enjoy 9'4 ceilings on the first floor and an open-concept layout that seamlessly connects the kitchen, dining, and great room, all enhanced by luxury vinyl plank flooring throughout

    Hartizen Homes Builder
    612 Emerald Grove Dr, Apopka, FL 32703
  • /7

    $1,800,000

    • 3 Beds
    • 2 Baths
    • 3,402 Sq Ft

    4327 Plymouth Sorrento Rd, Apopka, FL 32712

    This is the place to build your estate or build multiple single family homes. Conveniently located in Apopka. The area is growing and it is accessible to the expressways and shops. Call today to arrange a tour.

    Sonya Jackson SHAKESPEARE & CO REAL ESTATE

    4327 Plymouth Sorrento Rd, Apopka, FL 32712
  • /33

    $585,000

    • 4 Beds
    • 3 Baths
    • 2,300 Sq Ft

    2524 Blue Lake Ct, Apopka, FL 32703

    Welcome to 2524 Blue Lake Court, an Apopka gem where luxury living and natural beauty exist in perfect harmony. This is a rare opportunity to own a fully remodeled pool home on nearly 3⁄4 of an acre with NO HOA! Located on a quiet cul-de-sac near Bear Lake and surrounded by mature oak trees, this 4-bedroom, 3-bathroom home offers the perfect balance of space, privacy, and modern updates.Set

    Erica Sindlinger POP REALTY POWERED BY SELLSTATE

    2524 Blue Lake Ct, Apopka, FL 32703
  • /19

    $355,000

    • 3 Beds
    • 1 Bath
    • 1,186 Sq Ft

    314 W Grossenbacher Dr, Apopka, FL 32712

    Welcome to your dream home!This Home features 3 bedrooms, 1 bathroom and a utility room with a/c that can be convert to a 4th bedroom.As you step inside you will immediately notice this home has been well maintained and meticulously updated, huge backyard with a metal building storage (20x25x12) that can be use for extra storage. The home has a fully fenced-in-backyard providing a safe

    Cindy Garcia Saucedo YOUNG REAL ESTATE

    314 W Grossenbacher Dr, Apopka, FL 32712
  • /3

    $375,990 New Construction

    • 3 Beds
    • 2 Baths
    • 1,772 Sq Ft

    Amelia Plan at Crossroads at Kelly Park - 40' Homesites, Apopka, FL 32712

    The Amelia floor plan offers the ease of one-story living with a smart and stylish layout featuring three bedrooms, two bathrooms, and a two-car garage. A spacious great room flows effortlessly into the dining and kitchen areas, making entertaining and everyday living a breeze. The private primary suite is tucked away with a large walk-in closet and a well-appointed bath. Two additional bedrooms

    Dream Finders Homes Builder
    5306 Marshelder St Unit 36448768, Apopka, FL 32712
  • /20

    $359,000

    • 4 Beds
    • 2 Baths
    • 1,530 Sq Ft

    1758 Clarcona Rd, Apopka, FL 32703

    Welcome to your new home in Apopka, Florida. This charming updated single-family home features 4 bedrooms and 2 bathrooms. This Home offers a new Roof, newer AC, a new kitchen, new Countertops, Stainless-Steel Appliances, new Luxury Vinyl Flooring, and new Bathrooms. No HOA. Close to shopping centers, schools, and dining options. Easy access to major highways, 20 minutes to downtown Orlando, and

    Jordan Freeland SOUTH REALTY, INC

    1758 Clarcona Rd, Apopka, FL 32703
  • /5

    $72,900

    • 3 Beds
    • 2 Baths

    37 Virgil St Unit 1, Apopka, FL 32712

    Your new home is waiting for you in Rock Springs, a well-maintained, professionally managed manufactured home community. If you're just starting out or have a small family, you owe it to yourself to look at this 3 bed/2 bath, 1056 sq. ft. home. No more outrageous Apopka rent! Talk to one of our representatives today by calling and schedule a viewing!

    Tori Coil Rock Springs

    37 Virgil St Unit 1, Apopka, FL 32712
  • /53

    $985,000

    • 4 Beds
    • 3.5 Baths
    • 2,433 Sq Ft

    2619 W Ponkan Rd, Apopka, FL 32712

    Welcome to 2619 W Ponkan Rd, a stunning home for sale in Apopka!Price Improvement!! This spacious home offers 4 bedrooms, 3 bathrooms, an open-concept living space. This beautiful home combines functionality with elegant design, featuring an inviting open-concept layout that creates a natural flow between living spaces. The thoughtful design of this home incorporates quality materials and

    Cindy Garcia Saucedo YOUNG REAL ESTATE

    2619 W Ponkan Rd, Apopka, FL 32712
  • /2

    $975,000

    • Land
    • 0.61 Acre
    • $1,598,361 per Acre

    2615 E Semoran Blvd, Apopka, FL 32703

    ONE OF THE FEW REMAINING COMMERCIAL LOTS OF STATE ROAD 436 PRIME LOCATIONS ZONED C-1. EXISTING BUILDING ON THE PROPERTY CAN BE USED AS AN OFFICEBY THE ORANGE COUNTY DESCRIPTION- ZONED FOR RETAIL COMMERCIAL DISTRICT AREA AND IDEAL FOR MULTIPLE USES INCLUDING A GROCERY/RETAIL STORE, RESTAURANT, BANK, PROFESSIONAL OFFICES, ETC.

    Elena Smith PRIMAC GROUP, INC

    2615 E Semoran Blvd, Apopka, FL 32703
  • /5

    $83,900

    • 3 Beds
    • 2 Baths

    36 E Seaflower St Unit 154, Apopka, FL 32712

    Right now, you could own a 2016 model 3 bed/2 bath, 1248 sq. ft. home at Rock Springs, a family-oriented, well-maintained, professionally managed manufactured home community. Call today and speak with one of our representatives to schedule a viewing. This one won't be on the market long!

    Tori Coil Rock Springs

    36 E Seaflower St Unit 154, Apopka, FL 32712
  • /52

    $150,000

    • 3 Beds
    • 1.5 Baths
    • 1,128 Sq Ft

    1134 Suncrest Dr, Apopka, FL 32703

    Discover the potential in this 3-bedroom, 1.5-bath home with 1,128 sq ft of living space, set on a .23-acre lot with no HOA. Solid metal construction offers a unique foundation for your renovation vision. Inside, the home is ready for a full interior facelift and is being sold as-is, with most major systems—such as the HVAC and roof—likely needing replacement. Enjoy privacy and a natural backdrop

    Caylee Decleene, LLC SOUTH CEDAR REAL ESTATE, INC

    1134 Suncrest Dr, Apopka, FL 32703
  • /14

    $95,900

    • 3 Beds
    • 2 Baths

    1739 Hogue Ave Unit 467, Apopka, FL 32712

    Rock Springs, a professionally managed, well-maintained manufactured home community, currently has a 1680 sq. ft. home with 3 bedrooms and 2 bathrooms for sale. Take advantage of this offer now and live in one of the state's most attractive areas. Call and schedule a viewing of this home and ask about our current promotions!

    Tori Coil Rock Springs

    1739 Hogue Ave Unit 467, Apopka, FL 32712
  • /25

    $545,990 New Construction

    • 4 Beds
    • 3.5 Baths
    • 2,542 Sq Ft

    Everly Multi-Gen Plan at Single-Family Homes, Apopka, FL 32703

    The beautifully appointed Everly Multi-Gen offers 4 bedrooms, 3.5 bathrooms, a dedicated multigenerational suite, a 3-car garage, and 2,542 square feet of thoughtfully designed, open-concept livingall on one level.From the inviting covered front porch, step through an impressive 8-foot front door into a bright foyer with soaring 9'4 ceilings and an airy layout that flows seamlessly into the

    Hartizen Homes Builder
    855 Emerald Grove St Unit 36644753, Apopka, FL 32703

Showing Results 281 - 320, Page 8 of 10

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