5,275

Citrus County FL Homes for Sale

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  • /3

    $22,500

    • Land
    • 0.26 Acre
    • $86,538 per Acre

    11395 N Cathy Terrace, Citrus Springs, FL 34434

    Lot for building a single-family home located in a growing area of Citrus Springs.

    Cristina Osorio Norena EXP Realty LLC

    11395 N Cathy Terrace, Citrus Springs, FL 34434
  • /45

    $240,000

    • 3 Beds
    • 2 Baths
    • 960 Sq Ft

    4140 N Elwyn Point, Hernando, FL 34442

    Wow, what a shop!! This amazing shop comes with a 3/2 doublewide, 2.55 acres of rolling hills, a pole barn, large carport, currently used as a paint shop and much more.

    Agent Photo

    Michele Rose

    Keller Williams Realty - Elite Partners II

    (352) 704-2631

    4140 N Elwyn Point, Hernando, FL 34442
  • /2

    $22,500

    • Land
    • 0.26 Acre
    • $86,538 per Acre

    11395 N Cathy Terrace, Citrus Springs, FL 34434

    Located in the growing community of Citrus Springs, this residential lot is an excellent opportunity to build your dream single-family home. Electricity is available nearby, making it convenient for future construction. The area is experiencing strong development and appreciation, offering great potential for homeowners and investors alike. Ideally situated with easy access to major roads,

    Cristina Osorio Norena EXP REALTY LLC

    11395 N Cathy Terrace, Citrus Springs, FL 34434
  • /56

    $529,900

    • 3 Beds
    • 2 Baths
    • 1,482 Sq Ft

    5947 S Shadytree Path, Homosassa, FL 34448

    One or more photo(s) has been virtually staged. Welcome to your very own Nature Lover’s Dream—a stunning Two-story Florida retreat perfectly positioned on a CANAL with direct access to the Gulf and the crystal-clear waters of Homosassa Springs. This is a 3-Bedroom plus Office/4th Bedroom, 2-Bathrooms with 2-car garage. Whether you're searching for a full-time residence, seasonal getaway, or a

    Stephanie Ray RE/MAX SELECT PARTNERS

    5947 S Shadytree Path, Homosassa, FL 34448
  • /8

    $350,000

    • Land
    • 9.28 Acres
    • $37,716 per Acre

    3136-3234 N Holiday Dr, Crystal River, FL 34428

    HARD TO FIND ACREAGE NEAR EVERYTHING WITH A COUNTRY FEEL This beautiful land is two parcels together totaling 9.28 Acres on a corner with no deed restrictions or HOA fees. Near Dining, Shopping, Hiking, Swimming, Fishing. Gulf of America and more!Great place to call home - The Nature Coast!

    Karen Arce Tropic Shores Realty

    3136-3234 N Holiday Dr, Crystal River, FL 34428
  • /6

    $24,500

    • Land
    • 0.22 Acre
    • $111,364 per Acre

    2065 W Tacoma Dr, Citrus Springs, FL 34434

    Build your dream home on this beautiful lot in the heart of Citrus Springs, offering endless possibilities for residential or investment use. Enjoy freedom and flexibility with no HOA restrictions, giving you full control over your property. Located in a non-flood zone, electrical nearby, public water available, this lot provides peace of mind and security. Experience the relaxed Florida

    Jennifer Vilayvong VYLLA HOME

    2065 W Tacoma Dr, Citrus Springs, FL 34434
  • /46

    $529,000

    • 3 Beds
    • 2.5 Baths
    • 2,929 Sq Ft

    30 Pine St, Homosassa, FL 34446

    Tucked away in the desirable Sugarmill Woods community of Homosassa, this beautifully maintained 3-bedroom + office (optional 4th bedroom), 2.5-bath home offers the perfect blend of comfort and functionality. The spacious open-concept layout features a newly remodeled kitchen that flows seamlessly into the main living areas, ideal for both everyday living and entertaining. The private master

    Steven Lenhardt Coldwell Banker Next Generation Realty

    30 Pine St, Homosassa, FL 34446
  • /51

    $355,000

    • 2 Beds
    • 2 Baths
    • 1,354 Sq Ft

    4330 S Conwell Point, Homosassa, FL 34448

    Welcome to old Florida living! Beautiful and spacious 2/2 split bedroom with open floor plan, located in the much desired subdivision of Blue Water Estates. The home was APPRAISED for $398,000 in mid-2025 and has been completely renovated and turn key with furnishings as an option. Several significant upgrades have been added since the appraisal. Here is what’s “NEW” with the home:(12-24) Roof

    Jeff Hartson Tropic Shores Realty

    4330 S Conwell Point, Homosassa, FL 34448
  • /21

    $309,000

    • 3 Beds
    • 2 Baths
    • 2,415 Sq Ft

    13 Oak Village Blvd S, Homosassa, FL 34446

    You will love this spacious, open great room plan with fresh carpet, large kitchen with island and peacefulness of no backyard neighbor. There is no shortage of storage in this home with large laundry room full of cabinets and oversized garage that could fit a golf cart too. Master suite offers en-suite with dual vanities and walk in shower plus a huge walk-in closet and lots of natural light.

    Sandra Vigil FUTURE HOME REALTY INC

    13 Oak Village Blvd S, Homosassa, FL 34446
  • /38

    $279,500

    • 3 Beds
    • 3 Baths
    • 2,012 Sq Ft

    126 N Edinburgh Dr, Inverness, FL 34450

    This inviting three-bedroom, three-bath home is the perfect haven for a growing family, offering over 2,000 square feet of living space ideal for entertaining. Enjoy the comfortable living room and dining room, along with a massive family room featuring a cozy wood-burning fireplace—perfect for gatherings and relaxation. The master suite is generously sized, complete with an en suite bathroom

    Lawanda Watt Century 21 J.W.Morton R.E.

    126 N Edinburgh Dr, Inverness, FL 34450
  • /52

    $269,900

    • 2 Beds
    • 2 Baths
    • 1,545 Sq Ft

    6079 W Fairhaven Ct, Crystal River, FL 34429

    Every pretty lady deserves to be on a pedestal! This little GEM has that rare seat at the entrance of the village, on an elevated lot and seems to relish her duty of welcoming residents & guests to the neighborhood. Sweet little pops of color in the landscaping w/a charming front porch to read a book and sip your morning coffee! Step inside for a warm hug and enjoy the vaulted ceiling in the

    Benjamin Cleary Tropic Shores Realty

    6079 W Fairhaven Ct, Crystal River, FL 34429
  • /5

    $21,900

    • Land
    • 0.28 Acre
    • $78,214 per Acre

    9830 N Corsair Terrace, Citrus Springs, FL 34433

    Build your dream home on this prime 0.28-acre lot in the heart of beautiful Citrus Springs! No HOA fees, allows you to build now or hold for the future. The Citrus Springs community is rich with amenities, including a golf course, a community center, and a local library. You’ll enjoy the perfect balance of peace and convenience, with Dunnellon’s shopping, banking, and dining just minutes away.

    Krystal James Tropic Shores Realty

    9830 N Corsair Terrace, Citrus Springs, FL 34433
  • /52

    $419,900

    • 3 Beds
    • 2 Baths
    • 1,926 Sq Ft

    1962 W Mesa Verde Dr, Beverly Hills, FL 34465

    RUN—don’t walk! You won’t want to miss this gorgeous 2019-built, tastefully decorated, and meticulously maintained 3-bedroom, 2-bath, 2-car garage home featuring a SOLAR ENERGY SYSTEM for impressive energy savings, located in the highly desirable Pine Ridge community. There’s truly nothing not to love about this irresistible home. It offers an open, airy layout filled with natural light,

    David Collins LPT Realty, LLC

    1962 W Mesa Verde Dr, Beverly Hills, FL 34465
  • /4

    $65,000

    • Land
    • 0.51 Acre
    • $127,451 per Acre

    6397 N Whispering Dr, Citrus Springs, FL 34434

    Double Lot Opportunity in Citrus Springs – Build Your Dream Home! Rare opportunity to own two adjoining parcels totaling 0.51 acres in the growing community of Citrus Springs. One of the lots is a prime corner lot, offering added accessibility, design flexibility, and curb appeal, while the adjoining lot sits along the same road—excellent for creating a spacious homesite, adding a detached

    Agent Photo

    Dave Wheeler

    ERA American Suncoast Realty

    (352) 725-8669

    6397 N Whispering Dr, Citrus Springs, FL 34434
  • /2

    $27,000

    • Land
    • 0.49 Acre
    • $55,102 per Acre

    1443 E Odin Dr, Citrus Springs, FL 34434

    Prime opportunity to own a beautiful piece of land in the growing area of Dunnellon! Located at 1443 E Odin Drive, this spacious lot offers the perfect setting to build your dream home or invest in future development. Enjoy a peaceful, residential environment with easy access to nearby shopping, dining, schools, and major roadways. Whether you're looking to build now or hold for future value,

    Jean Meristil Freedom Realty of America, LLC

    1443 E Odin Dr, Citrus Springs, FL 34434
  • /2

    $29,900

    • Land
    • 0.91 Acre
    • $32,857 per Acre

    324 N Dunkenfield Ave, Crystal River, FL 34429

    Large (.91 Acre) Wooded Lot in a Great Crystal River Location Municipal Water Source, Cable and High Speed Internet All Available! Great Value!

    Rod Kenner Tropic Shores Realty

    324 N Dunkenfield Ave, Crystal River, FL 34429
  • /30

    $280,000 New Construction

    • 3 Beds
    • 2 Baths
    • 1,770 Sq Ft

    6735 W Homosassa Trail, Homosassa, FL 34448

    Welcome to this beautifully maintained 2023 manufactured home situated on over an acre of land, offering the perfect blend of space, privacy, and convenience. This spacious double-wide features 3 bedrooms, 2 bathrooms, and approximately 1,770 square feet of living space, designed with comfort and functionality in mind. Ideally located right off Homosassa Trail, you’re just 10 minutes from the

    ashton page LOKATION

    6735 W Homosassa Trail, Homosassa, FL 34448
  • /59

    $309,900 New Construction

    • 3 Beds
    • 2 Baths
    • 1,454 Sq Ft

    9845 N Sherman Dr, Citrus Springs, FL 34434

    Rooted in nature-inspired design, the Sunhaven plan is a testament to the belief that a home should enrich daily life with balance and beauty. Its exterior makes a striking first impression with classic board and batten siding, lending a timeless, architectural texture that complements the surrounding landscape. Every detail is intentionally crafted to support well-being, utilizing open, airy

    Julie Fernandez OAK AVENUE REAL ESTATE LLC

    9845 N Sherman Dr, Citrus Springs, FL 34434
  • /51

    $285,000 New Construction

    • 4 Beds
    • 3 Baths
    • 1,827 Sq Ft

    5736 N Claremont Dr, Citrus Springs, FL 34434

    MOTIVATED SELLER — BRING YOUR OFFERS! Seller is offering contributions toward buyer’s closing costs, making this an excellent opportunity to own a beautifully new home on a PRIME CORNER LOT in the heart of Citrus. This spacious 4-bedroom, 3-bath residence offers the perfect blend of comfort, functionality, and modern style. The bright open floor plan is enhanced by durable vinyl flooring

    Yeny Otaiza LPT REALTY, LLC

    5736 N Claremont Dr, Citrus Springs, FL 34434
  • /34

    $284,900 New Construction

    • 3 Beds
    • 2 Baths
    • 1,694 Sq Ft

    477 W Fairways View Dr, Beverly Hills, FL 34465

    Why wait to build when you can have this 2023-built home in the Fairways at Twisted Oaks? This 3-bedroom, 2-bath, 2-car garage residence offers 1,694 square feet under air with a modern open layout designed for today’s lifestyle. The kitchen overlooks the main living area and includes a large pantry, while the interior laundry room adds everyday convenience. The split-bedroom floor plan provides

    Tami Mayer Epique Realty Inc

    477 W Fairways View Dr, Beverly Hills, FL 34465
  • /54

    $75,000

    • 3 Beds
    • 2 Baths
    • 1,296 Sq Ft

    6952 S Falkirk Ln, Homosassa, FL 34446

    Bring all offers! Welcome to the desirable Sugarmill Woods community, nestled within the gated 55+ neighborhood of Walden Woods South. This well-maintained 2008 three-bedroom, two-bath home offers 1,296 sqft of living space and a thoughtfully designed layout. The spacious kitchen features abundant cabinetry, a cozy dinette area, and an indoor washer and dryer conveniently located just off the

    Joan Donnelly J W MORTON REAL ESTATE INC

    6952 S Falkirk Ln, Homosassa, FL 34446
  • /14

    $85,000

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

    1001 SE Plumbob Way, Crystal River, FL 34429

    Step into a new chapter at 1001 SE Ninja Street, perfectly nestled in the heart of Crystal River Village-the community where luxury meets affordability, and every detail invites you to feel right at home. This stunning 2023-built 2-bedroom, 2-bath residence showcases a masterful use of space, with elegant luxury vinyl flooring spanning the main living areas, complemented by plush carpeting in the

    Charlynn Ramirez Central Florida Mobile Home Sales, Inc

    1001 SE Plumbob Way, Crystal River, FL 34429
  • /13

    $23,500

    • 1 Bed
    • 1 Bath
    • 650 Sq Ft

    915 SE Plumbob Way, Crystal River, FL 34429

    Unlock Effortless Living in Crystal River Village! Step into this FULLY FURNISHED 1BR/1BA escape and feel the Florida sunshine greet you the moment you arrive. Designed for easy, carefree living, this stylish retreat is move-in ready-just pack your bags and start enjoying every moment! Whether working from the convenient built-in desk or letting your creativity flow, this home adapts to your

    Charlynn Ramirez Central Florida Mobile Home Sales, Inc

    915 SE Plumbob Way, Crystal River, FL 34429
  • /19

    $150,000

    • 1 Bed
    • 1 Bath
    • 675 Sq Ft

    6 E Murray St, Beverly Hills, FL 34465

    If you are a first-time buyer, downsizer or investor look no further. This beautifully remodeled one bedroom one bath home nestled in an up-and-coming community is ideal for all. Thoughtfully updated with a brand-new kitchen, including appliances while maintaining its charm, this cozy residence offers the perfect blend of modern comfort and inviting charm. For the outdoor lovers, this home is

    Erica Nurse Dennis Realty & Investment Corp.

    6 E Murray St, Beverly Hills, FL 34465
  • /14

    $549,000

    • Land
    • 0.42 Acre
    • $1,307,143 per Acre

    1941 NW 16th St, Crystal River, FL 34428

    Embrace a rare opportunity to live the waterfront lifestyle! BUILD YOUR COASTAL DREAM HOME on this expansive .42-acre waterfront lot offering an impressive 266 feet of waterfrontage & seawall. This corner lot showcases deep water canals on two sides of the property with panoramic water views. The IMPROVED HOMESITE is ready for your new retreat with city utilities already in place -including

    Wendy Hoffmann ERA American Suncoast Realty

    1941 NW 16th St, Crystal River, FL 34428
  • /37

    $289,000

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

    3310 N Canterbury Lake Dr, Hernando, FL 34442

    Welcome to this well-maintained 3-bedroom, 2-bath home in the Canterbury Lakes Estate Ranch community in Hernando, located in Citrus County, Florida. This home offers comfortable living with plenty of recent updates and a peaceful setting.Inside, you’ll find a functional layout with granite countertops, updated appliances, and many improvements completed since 2022, including a new roof,

    Agent Photo

    Ken Brant

    Keller Williams Realty - Elite Partners II

    (352) 781-2119

    3310 N Canterbury Lake Dr, Hernando, FL 34442
  • /36

    $390,000

    • 3 Beds
    • 2 Baths
    • 1,277 Sq Ft

    3116 E Buck Ct, Inverness, FL 34452

    t’s becoming nearly impossible to find a property that actually gives you some breathing room, but 3116 E Buck Ct delivers exactly that. Sitting on a rare, expansive lot, this property is a dream for anyone who needs space, whether you’re looking to park a boat and an RV, build a massive workshop, or just enjoy a cup of coffee in total peace and quiet. The backyard is the centerpiece here. The

    Daniel Romero LUXE PROPERTIES

    3116 E Buck Ct, Inverness, FL 34452
  • /49

    $449,000

    • 3 Beds
    • 2 Baths
    • 2,162 Sq Ft

    5304 N Carnation Dr, Beverly Hills, FL 34465

    This is a must see home in the Equestrian community of Pine Ridge! Club house, play ground, Equestrian center, and miles of horse trails winding through the subdivision! As former MODEL home for several years before the sellers purchased it, there are some quality finishings. Custom blinds throughout, high end wood look laminate flooring and tile, pavers on the pool deck and lanai to name a few.

    Nancy Wilson Waybright Real Estate, Inc.

    5304 N Carnation Dr, Beverly Hills, FL 34465
  • /25

    $349,900 New Construction

    • 2 Beds
    • 1 Bath
    • 620 Sq Ft

    7576 N Heller Ave, Dunnellon, FL 34433

    Welcome to this practically brand-new home, built in 2023, that is already operating as a successful 5-Star income-producing Airbnb. Whether you’re looking for a private retreat, investment property, or a place to build your dream home, this one checks every box. Situated on alittle over 5 acres, this property is cleared, prepped, and ready for a second home while you live in or rent out the

    Aiyana Ward GAILEY ENTERPRISES REAL ESTATE

    7576 N Heller Ave, Dunnellon, FL 34433
  • /47

    $219,000

    • 2 Beds
    • 2 Baths
    • 1,304 Sq Ft

    388 W Sugarmaple Ln, Beverly Hills, FL 34465

    There is a good reason why so many call this desirable section of Beverly Hills, located east of Forest Ridge Blvd, home. Known for its established feel and solid housing stock, no HOA, public water/sewer and underground electric, the neighborhood offers convenient access to Central Ridge Library, Forest Ridge Elementary School, and a variety of nearby restaurants, banking, and shopping options.

    Kim DeVane RE/MAX Realty One

    388 W Sugarmaple Ln, Beverly Hills, FL 34465
  • /57

    $210,500

    • 3 Beds
    • 2 Baths
    • 1,569 Sq Ft

    6065 W Croyden Cir, Crystal River, FL 34429

    Live the relaxed lifestyle in this attached villa in the sought after community of Meadowcrest. This is one of the larger villas with 3 bedrooms & formal dining room. Imagine days lounging by the community pools, walking the trail through the park, relaxing in the gazebo as you watch the fountain spill into the pond, greet your neighbors and stop to play a game of shuffleboard. Inside this villa

    Scott Bender Greenbriar Real Estate

    6065 W Croyden Cir, Crystal River, FL 34429
  • /44

    $299,500

    • 3 Beds
    • 2 Baths
    • 1,594 Sq Ft

    8683 N Teather Terrace, Citrus Springs, FL 34434

    Welcome to this beautifully maintained 3-bedroom, 2-bath home built in 2021, located in the peaceful community of Citrus Springs, Florida. Offering just under 1,600 square feet of living space, this home features a spacious and functional layout with generously sized bedrooms and a large walk-in closet in the master suite.The kitchen offers ample space for cooking and gathering, perfect for

    Melissa Champlin Plantation Realty, Inc.

    8683 N Teather Terrace, Citrus Springs, FL 34434
  • /15

    $27,000

    • Land
    • 0.29 Acre
    • $93,103 per Acre

    8049 N Golfview Dr, Citrus Springs, FL 34434

    Have you been searching for the perfect piece of land to build your dream home? Look no further—this beautiful .29-acre lot in Citrus Springs offers a perfect opportunity to own a slice of natural Florida paradise. Featuring a scenic mix of oak and pine trees, this property provides a peaceful, wooded setting. The lot is zoned for site-built homes only, ensuring a cohesive and high-quality

    Agent Photo

    Alan Ivory

    RE/MAX Realty One

    (352) 724-1091

    8049 N Golfview Dr, Citrus Springs, FL 34434
  • /70

    $140,000 Open Sun 2PM - 5PM

    • 2 Beds
    • 2 Baths
    • 1,584 Sq Ft

    1316 N Seagull Point, Crystal River, FL 34429

    WATERFRONT END-UNIT CONDO WITH A DOCK! Beautifully updated 2-Bedroom, 2-Bath maintenance-free home ready for you to make it your own. This could be a winter retreat, weekend getaway, or full-time residence, no matter what you call it.....It's a PEACEFUL ESCAPE in Crystal River. The area offer options for EVERYONE: Fishing, boating, scalloping, mantee and dolphin watching, kayaking, swimming,

    Jacqueline Beech ERA American Suncoast Realty

    1316 N Seagull Point, Crystal River, FL 34429
  • /50

    $374,900

    • 2 Beds
    • 1 Bath
    • 960 Sq Ft

    5890 S Mason Creek Rd, Homosassa, FL 34448

    Welcome to your dream coastal retreat in the heart of Homosassa! (2024 ROOF) This stunning stilt home is nestled in a highly sought after canal community just off the world famous Homosassa River. Situated on an oversized 0.66 acre corner lot, this meticulously maintained property showcases true pride of ownership and offers the perfect blend of relaxation, recreation, and rental potential with

    Steven Peterson Keller Williams-Elite Partners

    5890 S Mason Creek Rd, Homosassa, FL 34448
  • /20

    $299,000 Open Sun 12PM - 2PM

    • 3 Beds
    • 2 Baths
    • 1,272 Sq Ft

    1869 W Freeman Place, Citrus Springs, FL 34434

    Welcome to 1869 Freeman Place, Citrus Springs, FL! This beautifully renovated 1,272 sq ft single-story block home, set on a solid concrete slab, combines modern updates with classic Florida charm. Step inside to discover a fresh, contemporary interior featuring a brand-new kitchen and fully updated bathrooms, all designed with both style and functionality in mind. The kitchen opens seamlessly

    Todd Jacobs EXIT RIVERSIDE REALTY

    1869 W Freeman Place, Citrus Springs, FL 34434
  • /23

    $284,990 New Construction

    • 4 Beds
    • 2 Baths
    • 1,806 Sq Ft

    11539 N Condor Dr, Citrus Springs, FL 34433

    Introducing the Sylvester, a single-story floorplan from our Value collection designed for effortless living. This family-friendly layout boasts 4 bedrooms, 2 full bathrooms, and a generous 3-car garage. The split plan of the Sylvester ensures a welcoming master suite with ample privacy from the other three bedrooms. The open concept kitchen seamlessly connects with the living and dining areas,

    Holiday Builders Builder
    11539 N Condor Dr, Citrus Springs, FL 34433
  • /32

    $229,990 New Construction

    • 3 Beds
    • 2 Baths
    • 1,475 Sq Ft

    4444 W Choate Ct, Dunnellon, FL 34433

    BRAND NEW NEVER LIVED IN BEFORE spacious Double-Wide home located on an Oversized 2.02+/- acres lot located near the Mini Farms with field fencing on all four property lines. Right off main PAVED Road. NEW LIME ROCK DRIVEWAY! Beautiful 3 bedrooms, 2 full bathrooms with brand NEW everything inclusive of septic system, well, electric, AC, field fencing with entrance gate! Spacious Master bedroom

    Ross Pravda Miami Leasing Office

    4444 W Choate Ct, Dunnellon, FL 34433
  • /25

    $36,000

    • 2 Beds
    • 1 Bath
    • 784 Sq Ft

    780 S Suncoast Blvd Unit 12, Homosassa, FL 34448

    IMMACULATE - WELL MAINTAINED - SUPER CLEAN - 1978 SKYLINE SINGLE WIDE MOBILE - 1040 SQ FT - 55+ COMMUNITY. NO TAXES TO PAY - NO LAWN CARE TO MAINTAIN. ROOF REPLACED 2022 AND NEW WINDOWS IN 2023. NEW PACKAGE AC/HEAT SYSTEM INSTALLED IN 2021. Front and back doors have new Locks. Fully furnished 2 bedrooms, 1- spacious bathroom with new floor tile & walk-in shower. Cement Driveway leading up to a

    Joan Donnelly J W MORTON REAL ESTATE INC

    780 S Suncoast Blvd Unit 12, Homosassa, FL 34448
  • /32

    $62,000

    • 2 Beds
    • 2 Baths
    • 1,232 Sq Ft

    5361 S Stoneridge Dr, Inverness, FL 34450

    55+ COMMUNITY -1990 2BED/2 BATH Mobile. Welcome home to this spacious and well-designed 1990 Nobi doublewide, offering 1,232 sq ft (44x28) of comfortable living with excellent indoor and outdoor features. Start your mornings or unwind in the evenings on the large Front porch with glass and screened windows, perfect for year-round enjoyment. Inside, the thoughtful floor plan features an eat-in

    Joan Donnelly J W MORTON REAL ESTATE INC

    5361 S Stoneridge Dr, Inverness, FL 34450

Showing Results 361 - 400, Page 10 of 18

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