Bay County FL Homes for Sale

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  $574,995 New Construction

  • 4 - 5 Beds
  • 2.5 - 4.5 Baths
  • 2,731 Sq Ft

  Wyatt Plan at Breakfast Point East - Designer Collection, Panama City Beach, FL 32407

  The Wyatt by Fischer Homes offers a flexible and open design tailored for modern living. The main level features a versatile living or dining space that can be converted into a private study. The open-concept layout connects the family room, morning room, and kitchen, which boasts an expansive island with seating and a large walk-in pantry, with options for a pocket office and pantry or a morning

  Fischer Homes Builder

  806 Breakfast Point Blvd Unit 36658439, Panama City Beach, FL 32407
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  /23

  $649,000 New Construction

  • 3 Beds
  • 3 Baths
  • 2,566 Sq Ft

  280 Breakwater Blvd, Panama City Beach, FL 32413

  This exquisite brick-front two-story home perfectly blends tranquility and warmth, offering a welcoming retreat from the moment you arrive. The elegant paver driveway guides you to a charming front door, setting the tone for the beauty that awaits inside. Upon entry, the dramatic two-story foyer greets you, leading into the airy great room with its striking tray ceiling and an abundance of

  Toll Brothers, Inc. Builder

  280 Breakwater Blvd, Panama City Beach, FL 32413
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  /43

  $523,500 New Construction

  • 4 Beds
  • 3.5 Baths
  • 2,245 Sq Ft

  3904 Magnolia Bluff Ln, Panama City, FL 32408

  Welcome to 3904 Magnolia Bluff Lane, a new home located at Sanctuary Beach in Panama City Beach, FL. The Alabaster is a masterfully designed single-family residence with four bedrooms and three and a half bathrooms. This home offers a perfect blend of elegance and modern design, ideally suited for those in search of an exquisite second home or a serene vacation retreat. Spanning two stories, this

  D.R. Horton Builder

  3904 Magnolia Bluff Ln, Panama City, FL 32408
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  /2

  $399,990 New Construction

  • 3 Beds
  • 2 Baths
  • 2,052 Sq Ft

  Ariana Plan at Lake Merial - Cornerstone, Panama City, FL 32409

  Introducing the Ariana – a stunning floorplan from the Cornerstone collection by Holiday Builders. This exquisite home offers a perfect blend of elegance and functionality, designed to accommodate your unique lifestyle. With a total living area of 2,052 square feet, the Ariana provides ample space to fulfill your lifestyle needs. Whether you’re hosting gatherings, spending quality time with

  Holiday Builders Builder

  200 Lake Merial Blvd Unit 36871501, Panama City, FL 32409
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  /69

  $1,354,000

  • 5 Beds
  • 4 Baths
  • 3,048 Sq Ft

  7028 Thomas Dr, P C Beach, FL 32408

  A premier investment and luxury coastal retreat, this custom beach home is positioned just a short 5-minute walk from Public Beach Access 15 and the iconic emerald waters of Panama City Beach. Purposefully designed to host large groups, it sleeps up to 19 guests and delivers impressive rental projections exceeding $130,000 annually. The open main level showcases a gourmet kitchen with granite

  Kurt Fadden Legacy Premier Agency

  7028 Thomas Dr, P C Beach, FL 32408
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  /2

  $432,990 New Construction

  • 4 Beds
  • 3 Baths
  • 2,355 Sq Ft

  Caliza Plan at Lake Merial - Cornerstone, Panama City, FL 32409

  Welcome to the Caliza, an impressive floorplan from the Cornerstone collection by Holiday Builders. This beautiful home offers a spacious and well-designed layout, ensuring comfort and luxury for you and your family. At 2,355 square feet, the Caliza provides abundant space for comfortable living. With its thoughtful design and convenient features, this home embodies the perfect combination of

  Holiday Builders Builder

  200 Lake Merial Blvd Unit 36871280, Panama City, FL 32409
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  $1,349,000

  • 5 Beds
  • 2.5 Baths
  • 2,916 Sq Ft

  522 Lyndell Ln, Panama City, FL 32407

  Great Investment Property Opportunity with solid rental history. No HOA and located just 1 block to the Beach and Gulf. Large lot...... Great outdoor living space with private pool and hot tub. 5 Bedrooms all located on Level 2.Golf Cart can be included as part of purchase.

  Andrew Phillips Beachy Beach Real Estate

  522 Lyndell Ln, Panama City, FL 32407
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  /33

  $539,900

  • 2 Beds
  • 2 Baths
  • 1,224 Sq Ft

  203 Romanza Place, Panama City Beach, FL 32413

  Price reduction to refect todays market condition! Welcome to your coastal retreat, perfectly situated just one block from the sugar-white sands of Panama City Beach. Nestled in the highly sought-after Laguna Beach neighborhood, this fully remodeled bungalow blends charm with modern updates.Inside, you'll find a brand-new kitchen with stainless appliances, fresh paint, updated flooring, and a

  Joan Winchell Berkshire Hathaway HomeServices Beach Properties of Florida

  203 Romanza Place, Panama City Beach, FL 32413
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  /55

  $675,000

  • 4 Beds
  • 4 Baths
  • 2,380 Sq Ft

  6328 Beach Dr, Panama City, FL 32408

  Welcome to 6326/6328 Beach Drive, a rare beachside duplex located just one block from the sugar-white sands of Panama City Beach. This incredible income-producing opportunity offers two spacious units, each with 2 bedrooms and 2 bathrooms, perfect for short-term rentals, long-term tenants, or a personal residence with built-in income potential. Whether you're looking for a smart fix-and-flip, a

  Nicole Ludwig EXP Realty LLC

  6328 Beach Dr, Panama City, FL 32408
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  /31

  $454,995 New Construction

  • 2 - 4 Beds
  • 2 - 3 Baths
  • 1,683+ Sq Ft

  Amelia Plan at Salt Grass at Ward Creek - Designer Collection, Panama City Beach, FL 32413

  The Amelia by Fischer Homes offers a spacious and versatile design, featuring an extra-large family room that opens to the kitchen for seamless living. Customize your home with options for a basement or loft, a private study, or a third bedroom. Enhance your living space with an optional sunroom, expanded patio, or deck. The owners suite includes the option for direct access to the laundry room

  Fischer Homes Builder

  623 Millbridge Dr Unit 36659455, Panama City Beach, FL 32413
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  /43

  $503,400 New Construction

  • 5 Beds
  • 3 Baths
  • 2,145 Sq Ft

  Kennedy Plan at Caballeros Estates At Hombre, Panama City Beach, FL 32407

  Welcome to the Kennedy, a new home floor plan at Caballeros Estates at Hombre in Panama City Beach, Florida. This floorplan offers a harmonious blend of comfort and elegance, perfect for a primary residence or a luxurious second home. The Kennedy features a beautifully crafted floor plan with five bedrooms and three bathrooms. The bright entry hall leads to the main living area where you can

  D.R. Horton Builder

  101 Dama Del Mar Way Unit 36200492, Panama City Beach, FL 32407
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  /35

  $384,900 New Construction

  • 4 Beds
  • 2.5 Baths
  • 2,275 Sq Ft

  6560 Haskins Dr, Panama City, FL 32404

  Welcome to 6560 Haskins Drive, a new home located at Liberty in Panama City, Florida. The Victoria is a large open floor plan that is a great addition to our Tradition Series homes at Liberty. The Victoria is a 4-bedroom, 2.5-bathroom, 2 car garage home that has 2,275 square feet and many features. It is a popular floorplan built at many of our communities here in the sunny Panama City, Florida.

  D.R. Horton Builder

  6560 Haskins Dr, Panama City, FL 32404
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  $6,900,000

  • 7 Beds
  • 7 Baths
  • 8,653 Sq Ft

  820 Gulf View Dr, Panama City Beach, FL 32413

  Offering 330 feet of waterfront on Florida's largest coastal dune lake, this luxury residence is sure to appeal to golfers, boaters and fishing enthusiasts. Located across the lake from Sharks Tooth Golf Club this residence is secured behind a walled perimeter and a privacy gate. This outstanding home sits on 2.12 acres of prime lakefront and includes a lengthy private dock and boathouse. Venture

  Tom Fitzpatrick Scenic Sotheby's International Realty

  820 Gulf View Dr, Panama City Beach, FL 32413
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  /36

  $419,400 New Construction

  • 4 Beds
  • 2 Baths
  • 1,799 Sq Ft

  429 Wolcott Way, Panama City Beach, FL 32413

  Welcome to 429 Wolcott Way, a new home at Bayside at Ward Creek in Panama City Beach. This home is ready for move in and features the Rhett floorplan, a four-bedroom, two-bathroom home with over 1,700 square feet of living space. As you enter this home through the bright entryway you will find EVP flooring in the foyer leading to three guest bedrooms. Continuing through the foyer you will find an

  D.R. Horton Builder

  429 Wolcott Way, Panama City Beach, FL 32413
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  $485,400 New Construction

  • 4 Beds
  • 2 Baths
  • 2,044 Sq Ft

  228 Dama Del Mar Way, Panama City Beach, FL 32407

  Welcome to 228 Dama Del Mar Way, a new home at Caballeros Estates at Hombre in Panama City Beach Florida. This home is ready for move in and features 4-bedrooms, 2-bathrooms and is centrally located in Panama City Beach. The Delray floorplan presents a harmonious blend of luxury and comfort, creating an ideal setting for a primary residence or a cherished second home. Step into an inviting open

  D.R. Horton Builder

  228 Dama Del Mar Way, Panama City Beach, FL 32407
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  $468,400 New Construction

  • 5 Beds
  • 3 Baths
  • 2,145 Sq Ft

  Kennedy Plan at Bayside at Ward Creek, Panama City Beach, FL 32413

  Welcome to the Kennedy plan in Bayside at Ward Creek. This new, actively building community is located just 2 miles north of Highway 98, and just minutes to the World's Most Beautiful Beaches and shopping, dining and entertainment at Pier Park. This is one of our most popular plans with grand open living space and modern interior features. Boasting over 2,100 square feet, the Kennedy features a

  D.R. Horton Builder

  620 Melrose Way Unit 36200484, Panama City Beach, FL 32413
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  $1,025,000

  • 3 Beds
  • 2 Baths
  • 1,740 Sq Ft

  6919 Cat Creek Rd, Youngstown, FL 32466

  Beautiful

  Clay Patrick Crosby & Associates, Inc

  6919 Cat Creek Rd, Youngstown, FL 32466
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  /2

  $52,499

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

  0 S Silver Lake Rd Unit 25878521, Fountain, FL 32438

  Property Reference ID SL0000409Owner Financing $36,000 down, $799.98 for 24 months. This is a vacant lot situated at SOUTH SILVER LAKE RD, FOUNTAIN, FL, 32438, WASHINGTON. Covers a yearly tax of $318.93. GPS coordinates 30.4723, -85.4883. If you're paying in cash, it's discounted to $52,499. The lot measures approximately 5 acres.Attention Investors and Home Buyers! A fantastic opportunity

  Lot Online Lot Shop Online

  0 S Silver Lake Rd Unit 25878521, Fountain, FL 32438
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  /7

  $3,200,000

  • Land
  • 580.37 Acres
  • $5,514 per Acre

  0 Otter Creek Bridge Rd, Ebro, FL 32437

  Owner financing available. Call broker for terms. This beautiful property is located on Otter Creek in Bay County within 15 minutes of Panama City Beach. There is tremendous wildlife, deer and turkey, etc. Otter Creek feeds into the East River, Choctawhatchee River, and Choctawhatchee Bay, and into the Gulf of Mexico. Good Timber value, timber cruise coming soon.

  Clay Patrick Crosby & Associates, Inc.

  0 Otter Creek Bridge Rd, Ebro, FL 32437
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  /6

  $1,717,000

  • Land
  • 202 Acres
  • $8,500 per Acre

  10900 E Highway 388, Youngstown, FL 32466

  These 202 acres of Long Leaf Pine are great investment. The property features a cabin & workshop. Little Bear Creek runs north & south on the east side of the property. Excellent hunting with lots of deer. Freshwater & saltwater fishing within minutes in Deer Point Lake & the Gulf of Mexico. A great investment & a lot of recreation.

  Clay Patrick Crosby & Associates, Inc

  10900 E Highway 388, Youngstown, FL 32466
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  /60

  $449,000

  • Land
  • 154 Acres
  • $2,916 per Acre

  0 County Line Rd Unit LotWP001, Alford, FL 32420

  Welcome to your dream recreational and timber property in the picturesque Jackson County! This stunning parcel of land offers a harmonious blend of open ground and lush timber, making it an ideal retreat for outdoor enthusiasts and nature lovers alike. With 1.5 miles of Buckhorn Creek gracefully winding through the property, you can enjoy the soothing sounds of water while taking in the

  Drue Pynes Whitetail Properties Real Estate

  0 County Line Rd Unit LotWP001, Alford, FL 32420
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  /32

  $658,900

  • 2 Beds
  • 2 Baths
  • 1,310 Sq Ft

  8715 Surf Dr Unit 1606B, Panama City, FL 32408

  Live the coastal dream in this beautifully updated 2-bedroom, 2-bathroom Gulf-front condo with bonus bunks, located on the 16th floor of the sought-after Gulf Crest Condominiums. This spacious unit features an open-concept layout, wide-open views of the Gulf, and an expansive beachfront balcony—perfect for morning coffee, sunset cocktails, or simply soaking in the sounds of the surf. Thoughtfully

  Courtney Harris CENTURY 21 AllPoints Realty

  8715 Surf Dr Unit 1606B, Panama City, FL 32408
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  /70

  $699,999

  • 3 Beds
  • 2.5 Baths
  • 2,172 Sq Ft

  7325 Suwanee Ave, Panama City, FL 32409

  Custom-built in 2004 on 9′ pilings with 4′ of fill, this 2,172 sq ft, 3-bed, 2.5-bath home sits on the southeast corner of Fanning Oaks Peninsula with 50′ of frontage on Fanning Bayou/North Bay. Hardie board siding, 2020 metal roof, 2023 gutters, Rinnai tankless water heater, updated septic, and HVAC replaced in 2020. Open living with LVP flooring, built-ins, and bay views from

  Matthew Grimsley Counts Real Estate Group

  7325 Suwanee Ave, Panama City, FL 32409
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  $650,000

  • Land
  • 0.41 Acre
  • $1,585,366 per Acre

  5512 E Highway 22, Callaway, FL 32404

  Prime Commercial Corner Site at the busiest intersection on the east side of Panama City, located on the southwest corner of Highway 22 & Tyndall Parkway (Highway 98). The site is zoned Commercial in the City of Callaway with great visibility, easy access & public utilities. High Traffic counts on Hwy 22 (8,800 vehicles per day - 2023 FDOT) & Tyndall Parkway (35,500 vehicles per day - 2023 FDOT).

  Charlie Haas Counts Real Estate Group

  5512 E Highway 22, Callaway, FL 32404
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  $269,000 New Construction

  • 3 Beds
  • 2 Baths
  • 1,394 Sq Ft

  3721 E 3rd St, Panama City, FL 32401

  Discover your perfect home without breaking the bank! This brand-new 3-bedroom, 2-bathroom corner lot home is an incredible find, with a low estimated mortgage payment. It offers exceptional value for anyone looking to enjoy modern living at an affordable price. Step inside to experience a blend of contemporary style and practical living. The living room features savvy cove lighting with neatly

  Mowayne Copeland Keller Williams Success Realty

  3721 E 3rd St, Panama City, FL 32401
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  $279,900 New Construction

  • 3 Beds
  • 2 Baths
  • 1,427 Sq Ft

  7355 Morningside Dr, Panama City, FL 32404

  Welcome to 7355 Morningside Drive, a new home featuring the Celeste floor plan at Morningside in Panama City, Florida. The Celeste floor plan is a 3-bedroom, 2 bathroom, 1,427 square feet open concept home. This home is thoughtfully designed for the growing family giving you plenty of space in your home, and your yard. As you enter, you will notice the living room as the focal point of the home

  D.R. Horton Builder

  7355 Morningside Dr, Panama City, FL 32404
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  /87

  $270,000

  • 4 Beds
  • 3 Baths
  • 1,916 Sq Ft

  2317 E 3rd St, Panama City, FL 32401

  Turnkey Airbnb! NOW offering $7500 Seller Concessions to buyer. Welcome to a piece of local history with charm, character, and a touch of old Florida magic! Nestled in the heart of the Millville waterfront community, this unique property invites you to embrace a lifestyle rich in tradition and versatile in opportunity. The main home features 3 bedrooms, 2 bathroom, and approximately 1,472 square

  Melana Weems Realty Check Real Estate Services

  2317 E 3rd St, Panama City, FL 32401
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  /43

  $329,900 New Construction

  • 3 Beds
  • 2 Baths
  • 1,580 Sq Ft

  6957 William Pitsenbarger Rd, Panama City, FL 32404

  Welcome to the Walker, a new home floor plan located at Liberty in Panama City, Florida. The Walker is thoughtfully designed 3-bedroom, 2-bathroom, one-story home with 1,580 square feet of modern living. On the outside of your home, you will see durable vinyl siding, a spacious two-car garage with an opener and a fully sodded yard to the property lines. This home comes equipped with dimensional

  Mark Miles DR Horton Realty of Emerald Coast, LLC

  6957 William Pitsenbarger Rd, Panama City, FL 32404
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  $569,000

  • 3 Beds
  • 2 Baths
  • 1,310 Sq Ft

  3900 Quarts St, Panama City, FL 32408

  Looking for a beach house with three-bedrooms, two-baths, featuring a fresh, modern renovation inside , in a golf cart friendly neighborhood close to the white sandy beach and public boats ramps too? if so this is the one! The interior is bright, with complete new stain-master LVP flooring throughout the entire home Oct 2025 , making it easy to maintain and perfect for a coastal lifestyle This

  Kati Pullins Beachy Beach Real Estate

  3900 Quarts St, Panama City, FL 32408
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  /31

  $2,900,000

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

  13315 Oleander Dr, Panama City Beach, FL 32407

  Welcome home to your new GULF FRONT villa ''Summer Breeze'' that is just steps away from the white sandy beaches and crystal blue water. Watch those gorgeous sunsets and sip cold beverages from your private oasis behind the dunes. Directly adjacent to Beach Access 49. This 4 ensuite bedroom beach house is ready for your private residence, 2nd home or investment property with over $100,000 yearly

  Elizabeth Daniels CENTURY 21 Commander Realty

  13315 Oleander Dr, Panama City Beach, FL 32407
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  /63

  $575,000 Open Wed 11AM - 1PM

  • 4 Beds
  • 3 Baths
  • 2,342 Sq Ft

  129 Bid A Wee Ln, Panama City Beach, FL 32413

  Welcome home to this beautiful 2 Story house that LOOKS and feels newer because of all the updates. Home is located on the quiet Bid a Wee Lane ,in the coveted PCB beach community with a short walk to Bid-a- Wee Dedicated Beach with Private Locked Access Gates . With 4 Bedrooms and 3 Full Baths make this a perfect Family Home, Primary Home or Second Home .The Kitchen has been updated with

  Lawrence Hand Berkshire Hathaway HomeServices

  129 Bid A Wee Ln, Panama City Beach, FL 32413
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  $499,000

  • 5 Beds
  • 2 Baths
  • 2,076 Sq Ft

  103 Lakeview Terrace, Lynn Haven, FL 32444

  This beautifully crafted 5-bedroom, 2-bathroom home offers exceptional craftsmanship, thoughtful design, and a highly desirable Lynn Haven location. Situated on an oversized lot in a quiet, established neighborhood adjacent to NatureWalk Golf Course, this home also benefits from easy access in and out of the community as one of the first homes near the neighborhood entrance, a major convenience

  Carrie Routt Keller Williams Success Realty

  103 Lakeview Terrace, Lynn Haven, FL 32444
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  /50

  $1,399,000

  • 8 Beds
  • 8 Baths
  • 3,200 Sq Ft

  2907 Sarah Jean Ct, Panama City Beach, FL 32408

  Attention Investors! Sarah Jean Cottages consists of four 2 bed 2 bath 800 sf cottages and 9 additional buildable lots in this quaint Panama City Beach neighborhood. Short term rentals are allowed and three of the cottages are currently rented on Airbnb with great returns. The fourth unit has a long-term lease. These beautiful properties have open floor plans with laminate flooring throughout,

  Christine Lance Keller Williams Success Realty

  2907 Sarah Jean Ct, Panama City Beach, FL 32408
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  /15

  $237,000

  • 1 Bed
  • 1 Bath
  • 689 Sq Ft

  17642 Front Beach Rd Unit E6, Panama City Beach, FL 32413

  Experience the amazing coastal living that PCB has to offer. This 1 bedroom is located across the street from the beach within the desired Wendwood Condos community. Located on the peaceful west end of Panama City Beach, just minutes from Pier Park, top-rated restaurants, boutique shopping, and vibrant local attractions—while still enjoying a more secluded setting. Perfect for your vacation home

  Peter Appezzato EXP Realty LLC

  17642 Front Beach Rd Unit E6, Panama City Beach, FL 32413
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  /40

  $599,000

  • 3 Beds
  • 2 Baths
  • 1,583 Sq Ft

  102 Saint Charles St, Mexico Beach, FL 32456

  Welcome to 102 St. Charles Lane, a thoughtfully designed and impeccably cared-for home located in the desirable Casuna neighborhood of Mexico Beach. Built in 2021 and situated in the sought-after X flood zone, this 3-bedroom, 2-bath residence offers the perfect balance of modern construction, coastal charm, and low-maintenance living. From the moment you arrive, the enlarged front porch, metal

  Heather Thompson Beach Properties Real Estate

  102 Saint Charles St, Mexico Beach, FL 32456
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  /12

  $500,000

  • Land
  • 1.67 Acres
  • $299,401 per Acre

  000 Highway 2297, Callaway, FL 32404

  Build your dream home on a spacious waterfront lot with access to the Gulf of Mexico. The water is an estuary, providing you with a wide variety of seafood just steps from your backyard. Located in the peaceful community of East Bay, you can enjoy Florida's natural surroundings without sacrificing convenience. Shopping, dining, schools, and other services are all just a short 10-minute drive

  Melany Hathcock Keller Williams Success Realty

  000 Highway 2297, Callaway, FL 32404
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  /8

  $250,000

  • Land
  • 4.6 Acres
  • $54,348 per Acre

  6902 Highway 2301, Panama City, FL 32404

  4.6 Acres with Power and Septic - A Perfect Blend of Country Living and Convenience! This expansive 4.6-acre parcel offers an incredible opportunity to build your dream home or develop a multi-family property thanks to its R-2 zoning for single-family residences and duplexes. Located in the peaceful and fast-growing Bayou George and Youngstown area of Panama City, this property combines the charm

  Johnathan Ramsey ERA Neubauer Real Estate, Inc

  6902 Highway 2301, Panama City, FL 32404
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  /23

  $660,000

  • Land
  • 0.22 Acre
  • $3,000,000 per Acre

  424 Lakefront Dr, Panama City Beach, FL 32413

  Imagine the possibilities at Carillon Beach, where a stunning piece of land awaits your dream home. With the Design Review Board's approval, you can bring your vision to life with a main house, guest house, and pool. As part of an exclusive gated community, Carillon Beach is situated on the Gulf with nearly a mile of white sandy beach, while offering superior amenities and a prime location.

  Frances Bright Carillon Realty Inc

  424 Lakefront Dr, Panama City Beach, FL 32413
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  /22

  $399,000

  • 2 Beds
  • 2 Baths
  • 1,075 Sq Ft

  6505 Thomas Dr Unit 103A, Panama City Beach, FL 32408

  Photos to come. Experience this one-of-a-kind 2 bedroom, 2 bathroom condo with a bonus room at Summerhouse! Located on the sought-after first floor, this unit has a great pool and Gulf view, perfect for relaxing and taking in the breathtaking scenery. The unit comes fully furnished and ready for you to enjoy. The bonus room is perfect for extra guests or a home office, and the wet bar/coffee bar

  Kelly McDaniel Counts Real Estate Group Inc

  6505 Thomas Dr Unit 103A, Panama City Beach, FL 32408
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  /63

  $569,500

  • 3 Beds
  • 3 Baths
  • 1,525 Sq Ft

  9900 S Thomas Dr Unit 2228, Panama City, FL 32408

  PRICE IMPROVEMENT — RARE 3BR + BUNK | LARGEST FLOOR PLAN | GULF VIEWS One of only 23 units out of 709 with this highly sought-after 3 Bedroom + Bunk Room floor plan — the largest floor plan in the entire resort, now priced below market value. This 3 Bedroom, 3 Bathroom PLUS Bunk Room condo comfortably accommodates up to 10 guests and is fully furnished and rental-ready, making it an excellent

  Carla Singleton Ohana Real Estate Services

  9900 S Thomas Dr Unit 2228, Panama City, FL 32408

Showing Results 401 - 440, Page 11 of 18