Newest Homes for Sale in Chipley, FL

• 

  

  

  /11

  $42,900

  • Land
  • 1.72 Acres
  • $24,942 per Acre

  0 Fox Ct Unit 789948, Chipley, FL 32428

  Build your dream home on this beautiful 1.7-acre wooded homesite tucked away on a quiet cul-de-sac in the desirable Leisure Lakes gated community. Enjoy privacy, peaceful surroundings, and plenty of space while still being just about 30 minutes from Panama City. Surrounded by nature and featuring two beautiful spring-fed lakes, Leisure Lakes offers a relaxed lifestyle with an impressive selection

  Svetlana Kasparyan Beachy Beach Real Estate

  0 Fox Ct Unit 789948, Chipley, FL 32428
• 

  

  

  /11

  $42,900

  • Land
  • 1.72 Acres
  • $24,942 per Acre

  0 Fox Ct Unit 1003205, Chipley, FL 32428

  Build your dream home on this beautiful 1.7-acre wooded homesite tucked away on a quiet cul-de-sac in the desirable Leisure Lakes gated community. Enjoy privacy, peaceful surroundings, and plenty of space while still being just about 30 minutes from Panama City. Surrounded by nature and featuring two beautiful spring-fed lakes, Leisure Lakes offers a relaxed lifestyle with an impressive selection

  Svetlana Kasparyan Beachy Beach Real Estate

  0 Fox Ct Unit 1003205, Chipley, FL 32428
• 

  $246,990

  New Construction

  • 4 Beds
  • 2 Baths
  • 1,684 Sq Ft

  2216 Acorn Place, Chipley, FL 32428

  4 bed | 2 bath | 2-bay | 1684 sqft *Closing costs are additional and not included in the USDA 30 year fixed rate 100% financing. Terms and availability of this loan program, and the sales price, are examples only and are subject to change without notice. Loans are subject to credit approval. Restrictions and conditions may apply. USDA loans are subject to income and geographic eligibility

  Century Complete Builder

  2216 Acorn Place, Chipley, FL 32428
• 

  $224,990

  New Construction

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

  2212 Acorn Place, Chipley, FL 32428

  3 bed | 2 bath | 2-bay | 1416 sqft *Closing costs are additional and not included in the USDA 30 year fixed rate 100% financing. Terms and availability of this loan program, and the sales price, are examples only and are subject to change without notice. Loans are subject to credit approval. Restrictions and conditions may apply. USDA loans are subject to income and geographic eligibility

  Century Complete Builder

  2212 Acorn Place, Chipley, FL 32428
• 

  $186,990

  New Construction

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

  4099 Gulliver Dr, Chipley, FL 32428

  3 bed | 2 bath | 1114 sqft

  Century Complete Builder

  4099 Gulliver Dr, Chipley, FL 32428
• 

  $245,990

  New Construction

  • 4 Beds
  • 2 Baths
  • 1,684 Sq Ft

  2191 Preston Cir, Chipley, FL 32428

  4 bed | 2 bath | 2-bay | 1684 sqft *Closing costs are additional and not included in the USDA 30 year fixed rate 100% financing. Terms and availability of this loan program, and the sales price, are examples only and are subject to change without notice. Loans are subject to credit approval. Restrictions and conditions may apply. USDA loans are subject to income and geographic eligibility

  Century Complete Builder

  2191 Preston Cir, Chipley, FL 32428
• 

  

  /5

  $11,897

  • Land
  • 10,018 Sq Ft
  • $51,726 per Acre

  0 Parkview Dr Unit 789844, Chipley, FL 32428

  Vacant Mixed Use Lot in Sunny Hills, Washington County, FL Vacant 0.23-acre lot (approx. 80 ft x 125 ft) located on Parkview Dr in Sunny Hills, Washington County, FL. Zoned Sunny Hills Mixed Use (SHMU), offering additional flexibility for future use subject to county regulations. Located approx. 45 minutes from Panama City Beach, paralel to Country Club Blvd and near the Sunny Hills Golf area.

  Steven Koleno Beycome of Florida LLC

  0 Parkview Dr Unit 789844, Chipley, FL 32428
• 

  

  /3

  $50,000

  • Land
  • 10,018 Sq Ft
  • $217,391 per Acre

  0 Country Club Blvd Unit 399907, Chipley, FL 32428

  Excellent opportunity to own a residential vacant land parcel located on Country Club Blvd in the growing Sunny Hills community of Chipley, Florida. This approximately 0.23-acre lot (per Washington County Property Appraiser) offers an ideal setting for future residential development, investment, or long-term land ownership in one of Northwest Florida’s emerging markets. Conveniently located near

  Tiffany Lumpkin Keller Williams Town & Country

  0 Country Club Blvd Unit 399907, Chipley, FL 32428
• 

  

  /12

  $12,000

  • Land
  • 15,681 Sq Ft
  • $33,333 per Acre

  Lot 9 Swanson St, Chipley, FL 32428

  Nice .365 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 9 Swanson St, Chipley, FL 32428
• 

  

  /22

  $179,999

  • 3 Beds
  • 1 Bath
  • 1,992 Sq Ft

  1867 S 6th Ave, Chipley, FL 32428

  This 3-bedroom, 1-bath home with a spacious 2-car garage sits on a generous 0.87-acre lot in the quiet town of Wausau. Offering a blank canvas for your vision, this property is perfect for investors, handy homeowners, or anyone looking to create their ideal Florida retreat. The home features a durable metal roof that provides excellent longevity and peace of mind. Recent updates to some of the

  Matthew Finch World Impact Real Estate

  1867 S 6th Ave, Chipley, FL 32428
• 

  

  /3

  $5,000

  • Land
  • 13,068 Sq Ft
  • $16,667 per Acre

  Lot 31 Hampshire Blvd, Chipley, FL 32428

  Lot 31 Hampshire Blvd, Chipley, FL - Sunny Hills Tucked away in one of the most peaceful and secluded sections of Sunny Hills, Lot 31 on Hampshire Blvd offers the perfect opportunity to build your future homesite or invest in Florida land while the area continues to grow. This quiet property can also be purchased together with the adjoining Lot 30, creating additional space and flexibility for

  

  Misty Curtis

  Anchor Realty Florida

  (448) 448-0254

  Lot 31 Hampshire Blvd, Chipley, FL 32428
• 

  

  /12

  $19,950

  • Land
  • 10,018 Sq Ft
  • $86,739 per Acre

  Lot 19 Aquarius Dr, Chipley, FL 32428

  Electricity at the road, SEPTIC required, and water confirmed. 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

  Tina Marsh Keller Williams Realty FWB

  Lot 19 Aquarius Dr, Chipley, FL 32428
• 

  

  /26

  $789,000

  • 2 Beds
  • 2 Baths
  • 1,848 Sq Ft

  3130 Magnolia Dr, Chipley, FL 32428

  Custom, ICF CONSTRUCTION, WATERFRONT home with acreage located in Paradise Lakes, Washington County Florida- 2BR/2 Bath -1848 sq feet/3030 sq ft under roof. 3.57 acres+/- of Dunford Lake water frontage....There are 4 contiguous lots at this homesite, but the GARDEN lot has has no structure could easily be SOLD as a vacant, buildable lot...Exterior of Home- CRAFTSMAN look and feel with 36 inch

  Steven Koleno Beycome of Florida LLC

  3130 Magnolia Dr, Chipley, FL 32428
• 

  /2

  $5,000

  • Land
  • 11,325 Sq Ft
  • $19,231 per Acre

  Lot 30 Hampshire Blvd Unit 11, Chipley, FL 32428

  Lot 30 Hampshire Blvd, Chipley, FL - Sunny Hills Tucked away in one of the most peaceful and secluded sections of Sunny Hills, Lot 30 on Hampshire Blvd offers the perfect opportunity to build your future homesite or invest in Florida land while the area continues to grow. This quiet property can also be purchased together with the adjoining Lot 31, creating additional space and flexibility for

  

  Misty Curtis

  Anchor Realty Florida

  (448) 233-2724

  Lot 30 Hampshire Blvd Unit 11, Chipley, FL 32428
• 

  

  /42

  $310,000

  $15K PRICE DROP

  • 4 Beds
  • 2 Baths
  • 2,897 Sq Ft

  807 Maple St, Chipley, FL 32428

  ASSUMABLE VA MORTGAGE 3.25%. Spacious Home with Immaculate landscape on almost an acre lot. Seller is meticulous about keeping the yard groomed including which includes beautiful spruce trees, large back open deck,tall standing brick fireplace, large newer yard building/shop all fenced in. A 4-bedroom 2 bath home with space, space, space! Kitchen is newly renovated with a large Island a

  

  Paul LaCourse

  Anchor Realty Florida

  (448) 900-3221

  807 Maple St, Chipley, FL 32428
• 

  

  /8

  $103,500

  $12K PRICE DROP

  • Land
  • 1.87 Acres
  • $55,348 per Acre

  1 Pine Ridge Dr, Chipley, FL 32428

  Escape to the quiet side of Florida with this 1.86-acre lakefront property located on Pine Ridge Drive in Chipley, FL. This beautiful parcel offers the perfect blend of privacy and convenience, with a well already installed and a 40-foot Trex board dock ready for fishing, kayaking, or simply enjoying peaceful sunset views over the water. With plenty of room to build your dream home or weekend

  Amber Commander Elite Realty

  1 Pine Ridge Dr, Chipley, FL 32428
• 

  

  /34

  $175,000

  • 3 Beds
  • 2 Baths
  • 1,644 Sq Ft

  704 Main St, Chipley, FL 32428

  An investor special located in the heart of Chipley, this three bedroom two bath home offers 1644 ft.2 of living space and is full of character and potential. The property features high ceilings, spacious rooms, and a large covered front porch that adds to its classic charm. Whether you're looking to renovate, restore, or add to your rental portfolio or take on your next flip project, this

  

  Tiffany Davies

  Coldwell Banker Realty

  (448) 231-6041

  704 Main St, Chipley, FL 32428
• 

  /2

  $9,900

  • Land
  • 16,117 Sq Ft
  • $26,757 per Acre

  Lot 4 Byrd Blvd, Chipley, FL 32428

  This flat lot is almost totally surrounded by 65 acres of woods so there is lots of privacy. In addition, there are not many houses nearby so traffic will be limited. It has ample oak trees and pine trees for shade. There are many amenities available in the growing subdivision of Sunny Hills including many lakes for swimming, fishing, boating and kayaking. Gap Lake is huge and would be fun to

  Harvey Webb Counts Real Estate Group

  Lot 4 Byrd Blvd, Chipley, FL 32428
• 

  /2

  $17,000

  • Land
  • 10,018 Sq Ft
  • $73,913 per Acre

  Lot 13 Walkerton Dr, Chipley, FL 32428

  Welcome to the growing subdivision of Sunny Hills, not far from Panama City or Chipley. This vacant lot is ready for your new home. The lot is wooded and flat.

  Harvey Webb Counts Real Estate Group

  Lot 13 Walkerton Dr, Chipley, FL 32428
• 

  /2

  $17,000

  • Land
  • 12,196 Sq Ft
  • $60,714 per Acre

  Lot 14 Geraldine Cir, Chipley, FL 32428

  This flat lot is 1 block off of Shenandoah Boulevard, which is the southern entrance to Sunny Hills. The growing neighborhood is about 30 minutes north of Panama City and offers affordable living. The lot if wooded with a mix of pines and oak trees for shade. The subdivision offers recreation opportunities including an 18-hole golf course, and several lakes for fishing, boating or kayaking.

  Harvey Webb Counts Real Estate Group

  Lot 14 Geraldine Cir, Chipley, FL 32428
• 

  /2

  $17,000

  • Land
  • 10,018 Sq Ft
  • $73,913 per Acre

  Lot 29 Shenandoah Blvd, Chipley, FL 32428

  Welcome to the growing community of Sunny Hills just north of Panama City and off Hwy 77. This flat lot has ready for a new home. It is on a popular Street called Shenandoah Boulevard which is the southern most entrance to the giant subdivision. It is south entrance to the growing subdivision.

  Harvey Webb Counts Real Estate Group

  Lot 29 Shenandoah Blvd, Chipley, FL 32428
• 

  

  /6

  $12,500

  $3K PRICE DROP

  • Land
  • 14,374 Sq Ft
  • $37,879 per Acre

  Lot 2 Elkcam Blvd, Chipley, FL 32428

  Just a short distance from the Sunny Hills Golf Club, this buildable .326-acre lot on Elkcam Blvd puts you right near the community's biggest attraction—an 18-hole public golf course. The lot offers paved access and is perfect for a future homesite with easy access to I-10, Chipley, and Panama City. Enjoy year-round recreation with nearby lakes and parks. Sunny Hills is a deed-restricted

  Millie Mcclung Counts Real Estate Group Inc

  Lot 2 Elkcam Blvd, Chipley, FL 32428
• 

  

  /13

  $1,000,000

  • Land
  • 140 Acres
  • $7,143 per Acre

  1205 Orange Hill Rd, Chipley, FL 32428

  Here is your opportunity to own 140 acres of land in Chipley, Florida just an hour north of the beaches of South Walton. This beautiful tract is a combination of pastures, planted pines, hardwoods and olive orchard. It offers an array of opportunities; farming, raising livestock or chickens, hunting or recreation. The olive orchard is a unique feature giving you the opportunity to harvest olives

  James Watts Jr Coastal Abode

  1205 Orange Hill Rd, Chipley, FL 32428
• 

  

  /4

  $12,999

  • Land
  • 10,018 Sq Ft
  • $56,517 per Acre

  XXX Sumatra Dr, Chipley, FL 32428

  Located in the growing community of Sunny Hills, this wooded vacant lot offers a great opportunity to build in an area known for its peaceful surroundings and steady growth. Tucked along Sumatra Drive, the property provides a natural setting with plenty of privacy while still being conveniently located near paved roads and established homes. Whether you're planning a primary residence, weekend

  Seamus O'neill SOUTHERN WAY REALTY, INC.

  XXX Sumatra Dr, Chipley, FL 32428
• 

  /2

  $14,950

  • Land
  • 11,761 Sq Ft
  • $55,370 per Acre

  LOT 29 Cavalier Dr, Chipley, FL 32428

  Excellent opportunity to own a .268 acre corner lot in Unit 6 of Sunny Hills, located at Lot 29 on Cavalier Drive. This homesite is situated in a more private section of the community with some established homes nearby, along with plenty of undeveloped parcels all through the neighborhood. The lot offers a straightforward building footprint with level elevations, helping simplify site prep and

  Lars Langlo EXP Realty LLC

  LOT 29 Cavalier Dr, Chipley, FL 32428
• 

  /2

  $14,950

  • Land
  • 10,018 Sq Ft
  • $65,000 per Acre

  LOT 20 Fusion Cir, Chipley, FL 32428

  Excellent opportunity to own a .229 acre flat and level building lot in Unit 1 of Sunny Hills, located at Lot 20 on Fusion Circle. This homesite is situated in the rapidly growing section of Sunny Hills, not far from Sunny Hills Blvd and the main entrance to the community. According to US Water Corp. water connection is available for this lot (BUYER TO VERIFY) and power is present at the street!

  Lars Langlo EXP Realty LLC

  LOT 20 Fusion Cir, Chipley, FL 32428
• 

  /2

  $14,950

  • Land
  • 19,602 Sq Ft
  • $33,222 per Acre

  LOT 7 Belmar Place, Chipley, FL 32428

  Attention builders and developers... large lot, just under a half acre at .448 to be exact! Don't miss this exceptional opportunity to own a large building lot in Unit 1 of Sunny Hills, located at Lot 7 on Belmar Place. This parcel offers an outstanding homesite with flexibility for a custom build and a spacious rear yard that gradually slopes down to a unique water feature on a Deltona owned 62

  Lars Langlo EXP Realty LLC

  LOT 7 Belmar Place, Chipley, FL 32428
• 

  /2

  $14,950

  • Land
  • 9,583 Sq Ft
  • $67,955 per Acre

  LOT 6 Hernando Cir, Chipley, FL 32428

  Excellent opportunity to own a .223 acre flat and level building lot in Unit 6 of Sunny Hills, located at Lot 6 on Hernando Circle. This homesite is situated in a more private section of the community with some established homes nearby, along with plenty of undeveloped parcels all through the neighborhood. The lot offers a straightforward building footprint with level elevations, helping simplify

  Lars Langlo EXP Realty LLC

  LOT 6 Hernando Cir, Chipley, FL 32428
• 

  

  /11

  $11,000

  • Land
  • 17,424 Sq Ft
  • $27,500 per Acre

  Lot 2 Baypoint Dr, Chipley, FL 32428

  Discover the perfect canvas for your Florida lifestyle on this spacious 0.398-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 2 Baypoint Dr, Chipley, FL 32428
• 

  

  /56

  $385,000

  $10K PRICE DROP

  • 2 Beds
  • 2 Baths
  • 1,500 Sq Ft

  434 Tinker Ln, Chipley, FL 32428

  Tucked away on 3.66 peaceful acres with very few neighbors, this newer, upgraded home offers the perfect blend of privacy, comfort, and functionality. Enjoy quiet country living with your own pond, wide open space, and room to breathe.This property is turn key!Inside, you'll find a beautifully finished kitchen with upgraded touches and a large pantry, ideal for both everyday living and

  Leigh Clark Elite Realty

  434 Tinker Ln, Chipley, FL 32428
• 

  

  /100

  $1,100,000

  $150K PRICE DROP

  • 5 Beds
  • 5 Baths
  • 4,598 Sq Ft

  630 Hutchison Rd, Chipley, FL 32428

  Welcome home, where attention to design and detail create a residence that is both elegant and inviting. This 3-bedroom, 2 1⁄2-bath estate home rests on over 31 acres of beautifully maintained grounds featuring mature trees, multiple ponds, and lush landscaping. A private gate and long paved driveway set the tone for the peaceful retreat that awaits within your very own private oasis. Outdoors,

  Seamus O'neill SOUTHERN WAY REALTY, INC.

  630 Hutchison Rd, Chipley, FL 32428
• 

  /2

  $16,500

  $2K PRICE DROP

  • Land
  • 30,056 Sq Ft
  • $23,913 per Acre

  Lot 21 Deltona Blvd, Chipley, FL 32428

  Oversized Lot in Sunny Hills - Mixed-Use Zoning & Paved Access Located along Deltona Blvd in the Sunny Hills community, this 0.69-acre parcel offers a great combination of size, access, and flexibility. With paved road frontage, the property is easy to reach and well-positioned within a growing area of Washington County. Sunny Hills is known for its mix of residential development and recreational

  Moe Mossa Savvy Avenue LLC

  Lot 21 Deltona Blvd, Chipley, FL 32428
• 

  

  /31

  $189,900

  New Construction

  • 2 Beds
  • 2 Baths
  • 957 Sq Ft

  2351 Dumajack Rd, Chipley, FL 32428

  Buyer gets $7,000 toward closing costs or options! You won't find this quality at this price anywhere else. This brand new home in Sunny Hills is full of value: 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 dual vanities + private

  Abbott Martin Group EXP Realty LLC

  2351 Dumajack Rd, Chipley, FL 32428
• 

  

  /33

  $7,500

  • Land
  • 13,068 Sq Ft
  • $25,000 per Acre

  Lot 53 Yarmouth Ave, Chipley, FL 32428

  Lightly wooded lot located in the peaceful and scenic Sunny Hills community. There are power lines located at the end of Yarmouth on the corner of Yarmouth and Randolph, less than one thousand feet. For nature lovers and outdoor enthusiasts, Gap Lake has great fishing and is not too far away either, it is an 800+ acre freshwater paradise. Enjoy serene views of majestic cypress trees and

  Casey Owens Elite Realty

  Lot 53 Yarmouth Ave, Chipley, FL 32428
• 

  

  /31

  $7,500

  • Land
  • 10,018 Sq Ft
  • $32,609 per Acre

  Lot 3 Abbot St, Chipley, FL 32428

  Flat, lightly wooded lot located just off of Country Club, approximately 1,000 feet from power. Quick drive to the golf course and Gap Lake! For nature lovers and outdoor enthusiasts, Gap Lake has great fishing and is not too far away either, it is an 800+ acre freshwater paradise. Enjoy serene views of majestic cypress trees and experience excellent fishing opportunities right in your

  Casey Owens Elite Realty

  Lot 3 Abbot St, Chipley, FL 32428
• 

  

  /15

  $13,900

  • Land
  • 16,117 Sq Ft
  • $37,568 per Acre

  LOT 19 Blk 0569 Airmont Dr, Chipley, FL 32428

  Nice lot located in the Sunny Hills subdivision, where new homes are being built. This larger parcel has already been surveyed and backs up to green space, offering added privacy and a peaceful setting. The lot is mostly wooded, providing flexibility for clearing while maintaining natural surroundings. Sunny Hills offers multiple lakes for fishing, seasonal swimming at Boat Lake with a white

  Denise Myers Elite Realty

  LOT 19 Blk 0569 Airmont Dr, Chipley, FL 32428
• 

  

  /50

  $235,000

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

  1060 Florida 277, Chipley, FL 32428

  Located in a desirable area with convenience to all medical and shopping. The home sits on over 3 acres completely fenced, with electric gate. The home is over 2000 sq ft. It features 2 living spaces with a fireplace with electric logs in one of them. If your family needs space don't miss seeing this home. The kitchen has lots of cabinets with an island, Off the utility is a walk in pantry. Split

  Linda Cumbaa Elite Realty

  1060 Florida 277, Chipley, FL 32428
• 

  

  /19

  $29,999

  $16K PRICE DROP

  • Land
  • 4 Acres
  • $7,500 per Acre

  XXX Spring Lakes Dr, Chipley, FL 32428

  Welcome to 4± acres of opportunity nestled within the peaceful, HOA community of Spring Lake Estates. This spacious triple-lot includes Lots 23,24 and 25, offering plenty of room to build your dream home, vacation retreat, or quiet weekend getaway. Enjoy the benefits of a well-kept neighborhood with low HOA fees, giving you the freedom to create the lifestyle you want. Surrounded by natural

  Seamus O'neill SOUTHERN WAY REALTY, INC.

  XXX Spring Lakes Dr, Chipley, FL 32428
• 

  

  /71

  $599,900

  • 4 Beds
  • 3 Baths
  • 1,941 Sq Ft

  2474 Tiller Cemetery Dr, Chipley, FL 32428

  35 acres, Heated pool, Ponds, abundant wildlife, and room to breathe. This isn't just a property; it's the kind of place people dream about owning. This beautiful 4BR/3BA brick ranch offers nearly 2,000 sqft with open floor plan, tile flooring, and fireplace that makes it feel like home. Outside the possibilities are endless with stocked ponds, abundant wildlife, partially fenced land for

  Greg Floyd Merrifield & Pilcher Realty

  2474 Tiller Cemetery Dr, Chipley, FL 32428
• 

  

  /39

  $11,400

  $1K PRICE DROP

  • Land
  • 14,810 Sq Ft
  • $33,529 per Acre

  Lot 15 Trellis Dr, Chipley, FL 32428

  ATTENTION BUILDERS! OVERSIZED .34/acre high-and-dry/flat lot located in the peaceful and scenic Sunny Hills community. Power VERY close! Electric lines just a couple lots away. No HOA! This lot is located a short drive from Highway 77, right off Elkcam Blvd. For nature lovers and outdoor enthusiasts, Gap Lake has great fishing and is not too far away either, it is an 800+ acre freshwater

  Casey Owens Elite Realty

  Lot 15 Trellis Dr, Chipley, FL 32428

Showing Results 81 - 120, Page 3 of 16