Homes for Sale in 32428

• 

  

  /2

  $15,000

  • Land
  • 9,975 Acres
  • $2 per Acre

  0 Byrd Blvd Unit MFRS5143823, Chipley, FL 32428

  Well-located vacant lot in the desirable 32428 area of Chipley/Sunny Hills, FL. Situated in a quiet and growing community with convenient access to local amenities and major roads. This property represents an excellent investment opportunity at an attractive price, ideal for building a future home or holding for appreciation. A great chance to own land in an area with strong growth potential.

  Jesus Valera AGENT TRUST REALTY CORPORATION

  0 Byrd Blvd Unit MFRS5143823, Chipley, FL 32428
• 

  

  

  /21

  $115,000

  • Land
  • 5.17 Acres
  • $22,244 per Acre

  00 Lake Ridge Dr, Chipley, FL 32428

  RARE lakefront opportunity! Escape to peaceful country living on 5.17 acres in Chipley, nestled within a gated community with paved roads. Build your dream home with minimal restrictions and enjoy the best of waterfront living. Spend your days swimming, boating, fishing, kayaking, paddleboarding, or simply relaxing by the lake. Conveniently located just 35 minutes north of Panama City Beach in

  Kelly Moore Coastal Living Realty & Associates

  00 Lake Ridge Dr, Chipley, FL 32428
• 

  

  

  /16

  $80,000

  $45K PRICE DROP

  • Land
  • 3.22 Acres
  • $24,845 per Acre

  TBD Stephen Ct, Chipley, FL 32428

  **PARCEL 00000000-00-3330-0223 INCLUDED IN THE SALE OF THIS PROPERTY** This 3.2-acre property in Chipley, FL offers the perfect blend of peaceful country living and convenient access to town. Located just minutes from Highway 77, this spacious, unrestricted parcel is ideal for building a custom home, placing a mobile or manufactured home, or developing an investment property. The land is high and

  The Golden Collective Empire Real Estate of Florida LLC

  TBD Stephen Ct, Chipley, FL 32428
• 

  

  

  /13

  $12,000

  • Land
  • 10,890 Sq Ft
  • $48,000 per Acre

  LOT 15 Sunny Hills Blvd, Chipley, FL 32428

  Nice .2515 acre lot. Sunny Hills is an established subdivision with over 20K lots and is currently being developed with several national builders. Subdivision offers an 18 hole golf course with Clubhouse, numerous lakes with white sandy beaches for recreational activities such as swimming, boating, and fishing, churches, best of all with NO HOA fees! Need city life? Panama City Beach. Northwest

  Tina Marsh Keller Williams Realty FWB

  LOT 15 Sunny Hills Blvd, Chipley, FL 32428
• 

  

  

  /9

  $6,800

  • Land
  • 16,117 Sq Ft
  • $18,378 per Acre

  lot 5 Byrd Unit 11, Chipley, FL 32428

  Discover the perfect canvas for your Florida lifestyle on this spacious 0.36-acre parcel in the desirable Sunny Hills community in Chipley, FL. Nestled in a peaceful, growing subdivision, this level lot offers ample space to design and construct your ideal single-family home, with room for outdoor living, gardening, or future expansions. Sunny Hills is a golfer's and nature lover's paradise,

  Matthew Finch World Impact Real Estate

  lot 5 Byrd Unit 11, Chipley, FL 32428
• 

  

  /4

  $299,900

  New Construction $20K PRICE INCREASE

  • 4 Beds
  • 2 Baths
  • 1,801 Sq Ft

  TBD Elkcam Blvd Unit Lot 48, Chipley, FL 32428

  **TO BE BUILT** New construction in Sunny Hills with upgrades included as standard. 1,801 sqft open floor plan, 9' ceilings, LVP flooring, and modern finishes. Kitchen features quartz countertops, white shaker cabinets, subway tile backsplash, GE appliances, and farmhouse sink. Spacious primary suite with walk-in closet and dual vanities + private bath. Separate laundry room. The community of

  Abbott Martin Group EXP Realty LLC

  TBD Elkcam Blvd Unit Lot 48, Chipley, FL 32428
• 

  

  /26

  $137,700

  • Land
  • 1.03 Acres
  • $133,689 per Acre

  4337 Leisure Lakes Dr, Chipley, FL 32428

  This is a wonderful waterfront lot in the security gated subdivision of Leisure Lakes, just off Hwy 77. Located about 30 minutes north of Panama City, this shaded lot by oak trees has with a gentle slope down to the crystal clear water. Located on the southeast side of the lake, this is a good location to see the beautiful sunsets that other residents enjoy in the evenings. The lot has been only

  Harvey Webb Counts Real Estate Group

  4337 Leisure Lakes Dr, Chipley, FL 32428
• 

  

  /25

  $102,900

  $22K PRICE DROP

  • Land
  • 1.38 Acres
  • $74,565 per Acre

  5728 Highway 77 Unit B, Chipley, FL 32428

  Have you heard?? Everyone, and I mean EVERYONE, is heading to our neck of the woods! Northwest FL, or the Panhandle, as it's famously called, is growing like crazy. People are leaving all areas of the country and heading to Florida, where opportunities abound (not to mention so many other great reasons). You don't want to miss out. Hwy 77 has been four-laned from I-10 all the way south to Bay

  Kristi Basinger RIGHT NOW! Real Estate

  5728 Highway 77 Unit B, Chipley, FL 32428
• 

  

  /29

  $459,900

  $10K PRICE DROP

  • 4 Beds
  • 2 Baths
  • 1,825 Sq Ft

  3522 Quail Ridge Dr, Chipley, FL 32428

  OPEN HOUSE!! July 25th & 26th from 1pm to 4pm. Looking for peaceful country living with the security and amenities of a gated community? This stunning Craftsman-style home, situated on nearly 3 private acres, offers the perfect blend of comfort, privacy, and convenience. Enjoy community amenities including beautiful lakes for fishing and swimming, a basketball court, tennis court, pavilion,

  Mari Monroe-Garcia Legacy Premier Agency

  3522 Quail Ridge Dr, Chipley, FL 32428
• 

  

  /3

  $7,725

  • Land
  • 10,018 Sq Ft
  • $33,587 per Acre

  Lot 6 Brierdale St, Chipley, FL 32428

  (1) OF (4) LOTS FOR SALE BY SAME SELLER IN THIS AREA. AFFORDABLE, 0.23 AC. LOT. This is unimproved land, zoned residential mixed use and inside the Sunny Hills Subdivision. This lot is buildable, deed restricted w/NO HOA with the ability to pull a building permit tied to the development of the roads and infrastructure to support a home. ETA of future development of this Unit #15 Section of Sunny

  Joseph Gallagher REDI REAL ESTATE, LLC

  Lot 6 Brierdale St, Chipley, FL 32428
• 

  

  /55

  $699,000

  $26K PRICE DROP

  • 3 Beds
  • 2 Baths
  • 1,763 Sq Ft

  3301 Crystal Lake Dr, Chipley, FL 32428

  Iconic Waterfront Views Meets Unapologetic Luxury on Crystal Lake! Prepare to fall head over heels for this absolute showstopper on the pristine, white-sand shores of Crystal Lake--one of the area's premier, skiable freshwater paradises! Every single square inch of this estate has been flawlessly reimagined and custom-rebuilt from the inside out to offer a turnkey lifestyle of pure coastal

  Brian Clowdus Christies International Real Estate Emerald Coast

  3301 Crystal Lake Dr, Chipley, FL 32428
• 

  

  /15

  $19,500

  • Land
  • 11,325 Sq Ft
  • $75,000 per Acre

  4120 Aquarius Dr, Chipley, FL 32428

  Build Your Dream Home in Sunny Hills! This .258-acre homesite is ready for your vision, with electricity available at the road, water confirmed, and only a septic system required. An ideal opportunity for builders, investors, or future homeowners looking to enjoy golf course living without high HOA fees. Located near the clubhouse and golf course, this lot offers the perfect blend of recreation,

  Tina Marsh Keller Williams Realty FWB

  4120 Aquarius Dr, Chipley, FL 32428
• 

  

  /24

  $13,000

  • Land
  • 10,018 Sq Ft
  • $56,522 per Acre

  Lot 2 Trenton, Chipley, FL 32428

  Love Golf? Dream of having a home built in proximity to your clubhouse and golf course without paying high HOA fees? This .229 acre lot is perfect for you. Other than the clubhouse and beautiful Green Golf turf, Sunny Hills offers numerous lakes with white sandy beaches and clear water throughout for recreational activities such as swimming, boating, and fishing, but also provides a short drive,

  Tina Marsh Keller Williams Realty FWB

  Lot 2 Trenton, Chipley, FL 32428
• 

  

  /9

  $14,900

  • Land
  • 20,908 Sq Ft
  • $31,042 per Acre

  0 Country Club Blvd Unit 4 770275, Chipley, FL 32428

  Vacant lot 0.48 Acres, Chipley, FL, Washington county, paved road Property Details : Address: Country Club Blvd, Chipley, FL, 32428 Single family homes County: Washington0.48 Acres Dimensions: 166*106*210*118Zoned: Vacant ResidentialHigh and Dry No Wetlands

  Steven Koleno Beycome of Florida LLC

  0 Country Club Blvd Unit 4 770275, Chipley, FL 32428
• 

  

  /55

  $292,000

  • 3 Beds
  • 2 Baths
  • 1,680 Sq Ft

  2339 Deadening Rd, Chipley, FL 32428

  Meticulously maintained, single owner and BETTER than new, this 3-bedroom, 2-bath brick and Hardie siding home offers 1,680 square feet of thoughtfully designed living space, plus a 200 sq. ft. Florida room with wall A/C -- bringing total living space to 1,880 square feet.Inside, the kitchen and dining nook combination is appointed with nearly new appliances (list available in documents). The

  Robin Lee Florida Sales Realty

  2339 Deadening Rd, Chipley, FL 32428
• 

  

  /15

  $17,500

  • Land
  • 10,018 Sq Ft
  • $76,087 per Acre

  Lot 53 Shenandoah Blvd, Chipley, FL 32428

  Discover the perfect place to build your dream home on this 0.229-acre homesite in the growing Sunny Hills community. Whether you're ready to build now, planning for the future, or looking for a great investment opportunity, this property offers the ideal blend of peaceful surroundings and convenient access to Northwest Florida's best amenities. Located just a few streets from one of Sunny Hills'

  Tina Marsh Keller Williams Realty FWB

  Lot 53 Shenandoah Blvd, Chipley, FL 32428
• 

  

  /4

  $35,000

  • Land
  • 1.05 Acres
  • $33,333 per Acre

  LOT 22 Cynthia Way, Chipley, FL 32428

  Discover the perfect blend of privacy, freedom, and convenience with this beautiful 1-acre wooded homesite located in a peaceful, well-kept area with paved road access. This property offers flexibility rarely found today -- no HOA, no build timeframe, and site-built homes only with a minimum of 1600 sq ft. (No mobile homes permitted.) Owner financing is available, making it even easier to secure

  Sheran Whitaker New Town Realty

  LOT 22 Cynthia Way, Chipley, FL 32428
• 

  

  /36

  $389,999

  $5K PRICE DROP

  • 4 Beds
  • 2 Baths
  • 1,836 Sq Ft

  566 Lakepointe Dr, Chipley, FL 32428

  Tucked away at the end of a quiet cul-de-sac in desirable Lakepointe Subdivision, this stunning 4-bedroom, 2-bath home offers modern style, thoughtful design, and approximately 1+/- acre of space to enjoy. Step through the inviting double front doors into a bright and open floor plan highlighted by cathedral ceilings, luxury finishes, and abundant natural light. Serving as the heart of the home,

  Seamus O'neill SOUTHERN WAY REALTY, INC.

  566 Lakepointe Dr, Chipley, FL 32428
• 

  

  /28

  $259,900

  • 3 Beds
  • 2 Baths
  • 1,416 Sq Ft

  1768 Kenzie Ln, Chipley, FL 32428

  Welcome home to this beautiful 3-bedroom, 2-bath residence situated on a spacious 1-acre lot in the desirable Kiersten Heights community, just south of Chipley and conveniently located near I-10. Enjoy the perfect balance of peaceful country living with easy access to shopping, dining, and everyday conveniences. Designed with both comfort and functionality in mind, the open-concept floor plan

  PC Coastal Group eXp Realty LLC

  1768 Kenzie Ln, Chipley, FL 32428
• 

  

  /45

  $199,900

  • 3 Beds
  • 2 Baths
  • 2,084 Sq Ft

  2414 Highway 77, Chipley, FL 32428

  Tucked back from the road beneath a canopy of trees, this spacious remodeled home offers comfort, privacy, and plenty of room to enjoy both inside and out. Step inside to find updated finishes, wood-look flooring, and a welcoming layout designed for everyday living. The kitchen features beautifully refinished countertops with a waterfall-style finish inspired by nearby Falling Waters, adding a

  Cindy Birge Elite Realty

  2414 Highway 77, Chipley, FL 32428
• 

  /2

  $13,000

  • Land
  • 10,018 Sq Ft
  • $56,522 per Acre

  0000 Independence Dr, Chipley, FL 32428

  Welcome to your perfect homesite in beautiful, quiet SunnyHills, Fl! Priced to sell, you'll enjoy nature and semi seclusion while still only 45 mins from the Gulf and white sandy beaches! With Tyndall AFB and the Naval Surface Warfare Center, both within 45 minutes away, if you're looking for the perfect area to build your retirement home, this lot which is literally within 5 minutes of many

  Kim Johnson Think Real Estate

  0000 Independence Dr, Chipley, FL 32428
• 

  

  /5

  $5,900

  • Land
  • 10,018 Sq Ft
  • $25,652 per Acre

  Lot 11, Unit 6, Blk Kenmore Cir, Chipley, FL 32428

  Seller has 2 adjacent lots on Kenmore Circle, only 3 minutes or so to the DG Market!! This one is Lot 11 and is .229 acre (00000000-06-0364-0011). It is listed at $5,900. Seller also owns Lot 12, an oversized, outside corner, which is .387 acres (00000000-06-0364-0012). Lot 12 is LISTED AT $7,900. Lots are adjoining and the seller prefers to sell them together. Both lots together total .616

  Ernestine Brinager TROPIC SHORES REALTY

  Lot 11, Unit 6, Blk Kenmore Cir, Chipley, FL 32428
• 

  

  /3

  $12,900

  • Land
  • 10,018 Sq Ft
  • $56,087 per Acre

  0000 Linden St, Chipley, FL 32428

  Nice building lot in south Washington County ,this lot is close to a popular swimming hole called White double pond, good fishing too. Property is 45 minutes to The Worlds Most Beautiful Beaches and the Northwest Florida Beaches International Airport. Wooded lot on a paved road.Call a realtor to get more information.

  Wanda Raney 850 Sunshine Realty

  0000 Linden St, Chipley, FL 32428
• 

  

  /36

  $229,999

  $5K PRICE DROP

  • 4 Beds
  • 3 Baths
  • 1,430 Sq Ft

  940 Jamie Dr, Chipley, FL 32428

  Nestled beneath mature shade trees on 0.72± acres, this 4-bedroom, 3-bath home offers a functional layout, comfortable living spaces, and the peaceful setting you've been searching for. Inside, you'll find a welcoming living room that flows into the eat-in kitchen, complete with abundant cabinetry, ample counter space, stainless steel appliances, and a dining area perfect for everyday meals and

  Seamus O'neill SOUTHERN WAY REALTY, INC.

  940 Jamie Dr, Chipley, FL 32428
• 

  

  /100

  $749,900

  $50K PRICE DROP

  • 7 Beds
  • 4.5 Baths
  • 5,899 Sq Ft

  1305 Church Ave, Chipley, FL 32428

  Welcome to a truly one-of-a-kind historic home, currently known as the The Sullivan House Bed & Breakfast--originally the Alford House--where timeless character meets modern comfort. Established in the 1880s and thoughtfully rebuilt after a fire, this remarkable residence has been cherished by four generations and stands as a meaningful piece of local history. Spanning nearly 6,000 square feet,

  Cindy Birge Elite Realty

  1305 Church Ave, Chipley, FL 32428
• 

  /2

  $150,000

  • Land
  • 1.61 Acres
  • $93,168 per Acre

  TBD Lockwood Dr, Chipley, FL 32428

  A great opportunity for a group of doctors to have their own building. Three contiguous Sunny Hills lots with a land use designation as Hospital or Medical in the Sunny Hill Master Plan. Combined 2025 taxes on all three lots is $378.21 which includes $30.57 of Annual MSBU assessments. One corner lot and 2 other contiguous interior lots. Lots are located in 'Downtown Sunny Hills' per the Master

  Gary Hartman Elite Realty

  TBD Lockwood Dr, Chipley, FL 32428
• 

  $185,990

  New Construction

  • 3 Beds
  • 2 Baths
  • 1,114 Sq Ft

  4138 Flint Ave, Chipley, FL 32428

  3 bed | 2 bath | 1114 sqft

  4138 Flint Ave, Chipley, FL 32428
• 

  

  /4

  $7,495

  • Land
  • 10,454 Sq Ft
  • $31,229 per Acre

  LOT 21 Trenton, Chipley, FL 32428

  Excellent opportunity to own a .241-acre flat and level building lot in Unit 7 of Sunny Hills, located at Lot 21 on Trenton. The lot offers a straightforward building footprint with level elevations, helping simplify site prep and construction planning. Whether you're a builder, investor, or future homeowner, this parcel presents strong potential in an area experiencing steady growth and

  Lars Langlo EXP Realty LLC

  LOT 21 Trenton, Chipley, FL 32428
• 

  /2

  $10,500

  • Land
  • 0 Sq Ft

  00 Velvet Dr, Chipley, FL 32428

  Welcome to Sunny Hills community. This wooded lot is tucked away located off Country Club Blvd. Chipley is situated between Tallahassee & Panama City Beach. Close to lakes and shopping. Come build your dream home.

  Andrene Cunningham ARC Homes Realty Group LLC

  00 Velvet Dr, Chipley, FL 32428
• 

  /2

  $5,500

  • Land
  • 12,196 Sq Ft
  • $19,643 per Acre

  000 Brewton Dr, Chipley, FL 32428

  Nice building lot in Sunny Hills. This wooded lot will be perfect for your new home. Not far from the several fishing spots, golf course, seasonal (pay) swimming at Boat Lake. Close to Hwy 77. Approx. 40 minutes to Panama City Beach and approx. 20 minutes to Chipley and access to I-10. Sunny Hills is a deed restricted subdivision. Site built homes only.

  Debbie Kent Bell Realty of NWFL LLC

  000 Brewton Dr, Chipley, FL 32428
• 

  /2

  $29,900

  • Land
  • 35,283 Sq Ft
  • $36,914 per Acre

  00 Waterfall, Chipley, FL 32428

  (2) Huge Great building lot on cul-de-sac in Sunny Hills Subdivision, paved road, just off Washinton Blvd. Includes adjoining lot owned by Seller and is also . The Subdivision is a deed restricted subdivision--no mobile homes allowed. See building restrictions attached. Amenities of Sunny Hills include a popular 18 hole public golf course with snack bar, beautiful Boat Lake swim park,, library,

  Joel Jadofsky Keller Williams Realty Emerald

  00 Waterfall, Chipley, FL 32428
• 

  

  /9

  $699,999

  • Land
  • 117 Acres
  • $5,983 per Acre

  0 Goodman Hill Rd Unit 1001871, Chipley, FL 32428

  Discover the possibilities with this expansive 117-acre tract in Chipley, Florida--an exceptional opportunity for investors, hunters, or those ready to create a private homestead and build a lasting family legacy. Tucked away for privacy yet conveniently located just 45 minutes from the emerald waters and white sandy beaches of Panama City Beach, this property offers the perfect balance of

  Patrick Pate Beach Haven Realty LLC

  0 Goodman Hill Rd Unit 1001871, Chipley, FL 32428
• 

  

  /13

  $16,500

  • Land
  • 13,068 Sq Ft
  • $55,000 per Acre

  Lot 10 Sumatra Dr, Chipley, FL 32428

  Discover the perfect setting for your future home on this .302-acre homesite in the growing community of Sunny Hills. With electricity located just nine lots away on the opposite side of the street, this property offers a great opportunity to build in an established area while enjoying the peace and natural beauty that make Sunny Hills so desirable. Just a short distance away, you'll find one of

  Tina Marsh Keller Williams Realty FWB

  Lot 10 Sumatra Dr, Chipley, FL 32428
• 

  

  /7

  $19,900

  $5K PRICE DROP

  • Land
  • 21,780 Sq Ft
  • $39,800 per Acre

  Lot #19 Paradise Lakes Rd, Chipley, FL 32428

  Welcome to Fisherman's Paradise! This high and dry buildable lot has been professionally surveyed, cleared, and equipped with a culvert, ensuring a smooth foundation for your future home. It sits directly across from the pristine, spring-fed Dunford Lake--a 210-acre body of water teeming with Largemouth Bass, Catfish, Bream, and Crappie. Located within the gated Paradise Lakes community, this

  Denise Myers Elite Realty

  Lot #19 Paradise Lakes Rd, Chipley, FL 32428
• 

  

  /4

  $35,000

  • Land
  • 1.02 Acres
  • $34,314 per Acre

  LOT 23 Cynthia Way, Chipley, FL 32428

  Discover the perfect blend of privacy, freedom, and convenience with this beautiful 1-acre wooded homesite located in a peaceful, well-kept area with paved road access. This property offers flexibility rarely found today -- no HOA, no build timeframe, and site-built homes only with a minimum of 1600 sq ft. (No mobile homes permitted.) Owner financing is available, making it even easier to secure

  Sheran Whitaker New Town Realty

  LOT 23 Cynthia Way, Chipley, FL 32428
• 

  

  /14

  $6,900

  • Land
  • 11,325 Sq Ft
  • $26,538 per Acre

  LOT 1 Blk 0226 Farmington Dr, Chipley, FL 32428

  Surveyed corner residential lot located in Sunny Hills, offering a peaceful setting for a future home. Sunny Hills amenities include several fishing lakes, seasonal swimming at Boat Lake with its white sandy beach, and an 18-hole golf course. The seller also has eight additional surveyed lots listed in various areas of Sunny Hills and may consider a package deal. Buyer is responsible for the

  Denise Myers Elite Realty

  LOT 1 Blk 0226 Farmington Dr, Chipley, FL 32428
• 

  

  /12

  $149,999

  • Land
  • 15.21 Acres
  • $9,862 per Acre

  xxx Kirkland Rd, Chipley, FL 32428

  Indulge in the ultimate retreat with this expansive 15.21+/-acre oasis nestled just outside city limits. Encompassing a generous expanse of lush woodlands, this captivating property presents an unparalleled opportunity to bring your dream home to life. The idyllic setting offers the perfect blend of accessibility and tranquility. When it's time to unwind or embark on errands, a short drive leads

  Seamus O'neill SOUTHERN WAY REALTY, INC.

  xxx Kirkland Rd, Chipley, FL 32428
• 

  

  /7

  $88,000

  $11K PRICE DROP

  • Land
  • 5 Acres
  • $17,600 per Acre

  0 Pine Log Rd Unit 782404, Chipley, FL 32428

  5 Acres Near Chipley, FL - Quiet Residential Lot on a Private RoadDiscover the perfect blend of privacy and convenience on this 5-acre residential homesite located just minutes from Chipley, Florida. Tucked away on a secluded private dirt road, this property offers the peace and quiet of country living while keeping you close to small-town amenities, shopping, dining, and outdoor

  Jodi Parrish Coldwell Banker Realty

  0 Pine Log Rd Unit 782404, Chipley, FL 32428
• 

  

  /13

  $49,000

  $11K PRICE DROP

  • Land
  • 23,958 Sq Ft
  • $89,091 per Acre

  65/66 Woodymarion Dr, Chipley, FL 32428

  Get your piece of this natural private oasis at Spring Pond. This property boasts 149.5 feet of waterfront, primed for fishing, kayaking, or just enjoying the serene nature around you. Beautiful mature hard woods on the property would accentuate a nice big yard if someone chose to build a home. There is a community sandy swimming area right across the street along with a large pavilion with

  Cecilia Pierce Beachy Beach Real Estate

  65/66 Woodymarion Dr, Chipley, FL 32428
• 

  

  /10

  $14,000

  • Land
  • 11,325 Sq Ft
  • $53,846 per Acre

  TBD Weller St, Chipley, FL 32428

  INVESTOR ALERT: PRIME 0.26 AC WELLER ST LOT - BULK BUNDLE AVAILABLE! .Secure this high and dry 0.26-acre residential lot on Weller Street for just $14,000. Located in the established Sunny Hills community, this parcel is perfectly positioned for your next custom build or long-term land hold.Looking for more scale? We have a total of 4 contiguous lot pairings available across two prime streets. If

  Mowayne Copeland Keller Williams Success Realty

  TBD Weller St, Chipley, FL 32428

Showing Results 121 - 160, Page 4 of 17