967

Clay County FL Homes for Sale with No HOA Fee

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  • /24

    $220,000 Open Sun 3PM - 5PM

    • 3 Beds
    • 2 Baths
    • 1,100 Sq Ft

    1249 Bordeaux Place Unit B, Orange Park, FL 32065

    Welcome Home to this beautiful updated home. This property has a NEWER ROOF 2022 and inviting atmosphere, complete with a cozy wood-burning fireplace and high vaulted ceilings that will make you feel right at home. With 3 BRs and 2 BAs, this home offers a large primary bedroom with walk in closet and private updated bathroom. The two other bedrooms have a hallway updated bathroom with tub.

    Kathleen Jordan NAVY TO NAVY HOMES LLC

    1249 Bordeaux Place Unit B, Orange Park, FL 32065
  • /25

    $325,000

    • 3 Beds
    • 2 Baths
    • 1,736 Sq Ft

    4357 Eli Whitney Dr, Middleburg, FL 32068

    Room to roam! Bring your babies, dogs, cats or chickens and settle into this adorable home. Quiet and peaceful country living in a small neighborhood. This home offers 3 spacious bedrooms with an office and a separate bonus room for the kids to play; large closets; Tile & Travertine through out; french doors onto the back patio leading to a large backyard with palms, oak trees and plenty of room

    Cynthia McLain KAHLE COMMERCIAL GROUP, INC

    4357 Eli Whitney Dr, Middleburg, FL 32068
  • /4

    $899,900

    • Land
    • 8 Acres
    • $119,987 per Acre

    0 Idlewild Ave Unit 2037728, Green Cove Springs, FL 32043

    ****PRICE IMPROVEMENT****7.5 acres of cleared, zoned commercial for mixed use. Allows for Multi-Family, Single Family, & several commercial options. HIGHWAY FRONTAGE is 288.50ft. Inside Green Cove Springs city limits, Gateway Corridor. Road Frontage on Hwy 16. Water is on the same side of the street. Sewer is across the street. This property is located directly across from Dollar General on

    DUSTIN ELROD HERRON REAL ESTATE LLC

    0 Idlewild Ave Unit 2037728, Green Cove Springs, FL 32043
  • /45

    $270,000 Open Sun 10AM - 1PM

    • 5 Beds
    • 3 Baths
    • 2,154 Sq Ft

    472 Alsey Dr, Orange Park, FL 32073

    OH this Sat & Sun (7/26 & 7/27) from 10a - 1p!!! Welcome to 472 Alsey Drive, a spacious five-bedroom, three-bathroom home located in the heart of Orange Park. Built in 1968 and owned by the same family for the past 42 years, this home is filled with character and offers an incredible opportunity for a new owner to make it their own.While the home retains much of its original charm, with

    SCOTT NORBERG VYLLA HOME

    472 Alsey Dr, Orange Park, FL 32073
  • /15

    $625,000

    • 3 Beds
    • 2 Baths
    • 1,280 Sq Ft

    1931 Nolan Rd, Middleburg, FL 32068

    5.25 acres 2 separate parcels address 1931 Nolan road 1 acre with a almost new 3/2 mobile home then 1935 Nolan Road with 4.25 acres partially cleared Creek runs the edge of property. May be Possible to convert all property to commerical as surrounding property is zoned commerical .Buyer to do due diligence property sold as is where is no statements are guaranteed

    Stephen Hachey LOWEST FEE REALTY LLC

    1931 Nolan Rd, Middleburg, FL 32068
  • /22

    $218,000

    • 3 Beds
    • 2 Baths
    • 1,056 Sq Ft

    4207 Falcon Run Ln, Middleburg, FL 32068

    This charming single‑family residence is nestled on just over one acre of sprawling grounds in desirable Middleburg, FL. The home offers a comfortable 1,056 sq ft layout featuring 3 bedrooms and 2 full bathrooms. With a warm and welcoming curb appeal, this property blends practical comforts with a touch of country living Plenty of space to build RV/boat storage or

    DONALD TURNER FLORIDA HOMES REALTY & MTG LLC

    4207 Falcon Run Ln, Middleburg, FL 32068
  • /14

    $75,000

    • Land
    • 0.46 Acre
    • $163,043 per Acre

    6305 Little Lake Geneva Rd, Keystone Heights, FL 32656

    Nice lake lot on paved road is ready for a new home! A 3/2 mobile home was removed in 2020. The well and septic are still in place but not warranted. There is a home listed for sale on the adjoining lot if your desire is to have conjoined lots and a second dwelling. These properties won't last long!

    MeLissa Pellerito FLORIDA HOMES REALTY & MTG LLC

    6305 Little Lake Geneva Rd, Keystone Heights, FL 32656
  • /32

    $149,900

    • 1 Bed
    • 1 Bath
    • 760 Sq Ft

    6301 Little Lake Geneva Rd, Keystone Heights, FL 32656

    Adorable cottage on Little Lake Geneva. The adjoining lot is also for sale. Great weekend get away or live in this while you build on the lot. There is plenty of potential for this property!

    MeLissa Pellerito FLORIDA HOMES REALTY & MTG LLC

    6301 Little Lake Geneva Rd, Keystone Heights, FL 32656
  • /6

    $124,900

    • Land
    • 8 Acres
    • $14,694 per Acre

    4409 Mark Allan Rd, Keystone Heights, FL 32656

    Discover 8.49 Acres of Natural Beauty in Keystone HeightsTucked away in the peaceful community of Plantation Farms, this expansive 8.49-acre parcel offers the perfect canvas for your dream lifestyle. Situated near the Belmore State Forest, the property blends privacy, space, and natural charm into one unique opportunity.Fully wooded and located at the very end of Mark Allan Road,

    Scott Fader JOSEPH WALTER REALTY LLC

    4409 Mark Allan Rd, Keystone Heights, FL 32656
  • /37

    $289,900

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

    600 Lemon St, Green Cove Springs, FL 32043

    Step into the charm of small-town living in this inviting 4 BR, 2 BA home located in the heart of Green Cove Springs, a growing community known for its fishing, parks, and small-town feel with new development and infrastructure on the rise. This home features an open-concept kitchen with granite countertops, a spacious island, and stainless steel appliances — all overlooking the living room for

    KRISTIN ORR FUTURE HOME REALTY INC

    600 Lemon St, Green Cove Springs, FL 32043
  • /17

    $449,000

    • 4 Beds
    • 2.5 Baths
    • 2,619 Sq Ft

    2764 Admirals Walk Dr E, Orange Park, FL 32073

    Great family home with three bedrooms and one and a half bathrooms downstairs and a private primary bedroom and bathroom upstairs. The floor plan includes both a family and a living room. The living room and entry have volume ceilings. There is ceramic tile in the kitchen, breakfast room, family room, dining room, laundry room, and downstairs hallways and bathrooms. A $4000 carpet allowance is

    Bob Steeg STEEG & ASSOCIATES, INC

    2764 Admirals Walk Dr E, Orange Park, FL 32073
  • /47

    $474,900

    • 3 Beds
    • 2 Baths
    • 2,322 Sq Ft

    2258 Holly Leaf Ln, Orange Park, FL 32073

    PRICE IMPROVEMENT! Beautiful 3BR/2BA Full Brick home on 1/2 acre lot in the heart of Orange Park. Formal Living & Dining Rooms. Family Room w/wood burning fireplace, firewood box, new glass doors on the fireplace & built-in bookshelves on side. Kitchen has granite countertops, all new appliances. & backsplash. Primary BR w/ensuite bath. 2nd Family-Bonus Room. Would make a great game room, home

    Susan Kennedy COLDWELL BANKER VANGUARD REALTY

    2258 Holly Leaf Ln, Orange Park, FL 32073
  • /13

    $187,500

    • 3 Beds
    • 2 Baths
    • 1,152 Sq Ft

    4915 Bamboo St, Middleburg, FL 32068

    HIGHEST & BEST by 5 p.m. on 7/27. Priced below recent appraisal of 217K & Seller is offering $5000 in credit for closing cost/rate buy down with acceptable offer. Kitchen and hall bath floors need repairs. Garden tub has cracks. Home sold AS-IS seller to make no repairs. Peaceful Country Living on 1.14 Acres! Charming 3-bedroom, 2-bath home offering 1,152 square feet of living space on a fully

    DAYMOND WESTERGARD LLC LA ROSA REALTY JACKSONVILLE, LLC.

    4915 Bamboo St, Middleburg, FL 32068
  • /39

    $238,000

    • 3 Beds
    • 2 Baths
    • 1,457 Sq Ft

    356 Evergreen Ln, Middleburg, FL 32068

    Spacious 3 bedroom, 2 bathroom home with a 2-car garage in Middleburg. NO HOA. Features a living room and den, cozy fireplace, and hardwood floors throughout. Kitchen and bathrooms have had some updates. New roof installed in 2010 with touch-ups in 2022, and AC replaced in 2012. Home has city water plus an additional well on the property. Closed-in back patio with ceramic tile flooring. Needs

    Anthony Gigilo TOP BROKERAGE, LLC

    356 Evergreen Ln, Middleburg, FL 32068
  • /23

    $234,900

    • 3 Beds
    • 1.5 Baths
    • 1,008 Sq Ft

    345 Glendening Rd, Orange Park, FL 32073

    Great remodeled home in the middle of Orange Park. This 3 bedroom 1.5 bath has been fully updated with all new kitchen cabinets, appliances and granite counter tops, new waterproof wood look floors, new windows, new doors and hardware, new lighting, and completely repainted inside and out. The one car garage is perfect for your vehicle or additional storage. New water heater and the roof is only

    ALAN PERRY ALAN PERRY, BROKER

    345 Glendening Rd, Orange Park, FL 32073
  • /21

    $229,000

    • 2 Beds
    • 1 Bath

    428 S Vermont Ave, Green Cove Springs, FL 32043

    Rare Investment Opportunity!This 2-bedroom, 1-bathroom home offers incredible potential for renovation, situated on a beautiful lot with a backyard that opens directly to the forest. Enjoy the peace of nature while being just a few blocks from the scenic Jose River and Green Cove Park.''The house does not have HVAC. All plumbing and electrical systems require full replacement, and a

    ENIA JORGE FLORIDA HOMES REALTY & MTG LLC

    428 S Vermont Ave, Green Cove Springs, FL 32043
  • /12

    $50,000

    • Land
    • 1.17 Acres
    • $42,735 per Acre

    4704 Belladonna St, Middleburg, FL 32068

    Welcome to your future homesite! This 1.167-acre parcel in the heart of Middleburg offers the perfect blend of space, privacy, and convenience. With plenty of room to build your dream home, this beautiful piece of land is ready for your vision — whether that's a custom-built house, a modern farmhouse, or a peaceful retreat away from the city.The property is high and dry, offering a great

    Gary Velasquez CENTURY 21 INTEGRA

    4704 Belladonna St, Middleburg, FL 32068
  • /52

    $165,000

    • 2 Beds
    • 2 Baths
    • 924 Sq Ft

    5391 Jenkins Loop Dr, Keystone Heights, FL 32656

    One or more photo(s) has been virtually staged. Bring all your toys and enjoy the space! This 2-bedroom, 2-bath split-floorplan mobile home sits on 5.3 acres in peaceful Keystone Heights, with an enormous front porch overlooking mature oaks. Featuring a large detached garage perfect for RVs, four-wheelers, dirt bikes, tools, and more. The home has a newer roof, updated plumbing and electric, new

    ELIA HANANIA FLORIDA HOMES REALTY & MORTGAGE

    5391 Jenkins Loop Dr, Keystone Heights, FL 32656
  • /35

    $285,000

    • 3 Beds
    • 2 Baths
    • 1,581 Sq Ft

    1683 Pecan Ct, Orange Park, FL 32073

    Check out this 3BR/2BA Brick Home in Grove Park with No HOA! Tucked away on a no-thru street in Orange Park. Convenient location - close to I-295, shops, hospital, restaurants and more. Tile flooring is used throughout the main living areas while new vinyl plank flooring is in all bedrooms.The kitchen has granite countertops, a prep island, and stainless steel appliances. Just off the family

    JOYCE SMITH WATSON REALTY CORP

    1683 Pecan Ct, Orange Park, FL 32073
  • /19

    $299,900

    • 3 Beds
    • 2 Baths
    • 1,486 Sq Ft

    1407 Marcia Dr, Orange Park, FL 32073

    This updated 3-bedroom, 2-bath home features full interior paint, new LVP flooring, and fresh carpet throughout. The kitchen boasts painted cabinets, quartz counters, and a stainless steel appliance package including range, microwave, and dishwasher. Additional upgrades include a new water heater, updated panel and breakers, bathroom refresh, new light fixtures, and driveway repairs—move-in ready

    Robert Jones OFFERPAD BROKERAGE FL, LLC

    1407 Marcia Dr, Orange Park, FL 32073
  • /14

    $290,000

    • 4 Beds
    • 2 Baths
    • 1,785 Sq Ft

    6311 Custer Rd, Orange Park, FL 32065

    Welcome to Lakeside Estates. A picturesque community nestled between Moody Rd & the scenic Doctors Lake Drive. This Charming brick home features 4 bedrooms and 2 bathrooms, with a little TLC this home offers a perfect blend of comfort and style. # car garage with an oversized driveway and an additional storage provided by an outdoor shed. .Step outside to enjoy the screened patio which overlooks

    Richard Givens BETROS REALTY INC

    6311 Custer Rd, Orange Park, FL 32065
  • /69

    $849,000

    • 4 Beds
    • 3.5 Baths
    • 3,324 Sq Ft

    4949 Kalmia St, Middleburg, FL 32068

    As seen on Extreme Makeover: Home Edition! This is a very rare opportunity to own an unbelievable home like this. As soon as you arrive, it is apparent this isn't just any 3,324sqft, 4 Bedroom/3 Bathroom home on a 1.18 acre lot. This is a must-see property that looks like it was ripped from the pages of a Pacific Island's Travel Guide. There are custom touches and high-end finishes throughout:

    Kavie Stahl BETTER HOMES & GARDENS REAL ESTATE LIFESTYLES REALTY

    4949 Kalmia St, Middleburg, FL 32068
  • /5

    $175,000

    • Land
    • 1.05 Acres
    • $166,667 per Acre

    0 Main St Unit 2099304, Middleburg, FL 32068

    Corner lot on paved Road. One acre on Black Creek with access to St Johns and the ocean. It is only a couple of lots from the boat ramp to make it easy to launch your water vessel anytime. No public water or sewer available, a well and a septic system will have to be installed. Build your dream home and enjoy the much sought after Florida fishing and boating lifestyle. The home will have

    Idy Rodriguez WATSON REALTY CORP

    0 Main St Unit 2099304, Middleburg, FL 32068
  • /5

    $175,000

    • Land
    • 1.04 Acres
    • $168,269 per Acre

    2326 North St, Middleburg, FL 32068

    Come check out this lot on Black Creek with access to St Johns and the ocean. It is only a couple of lots from the boat ramp to make it easy to launch your water vessel anytime. No public water or sewer available, a well and a septic system will have to be installed. Build your dream home and enjoy the much sought after Florida fishing and boating lifestyle. The home will have to be built

    Idy Rodriguez WATSON REALTY CORP

    2326 North St, Middleburg, FL 32068
  • /2

    $25,000

    • Land
    • 0.10 Acre
    • $250,000 per Acre

    0 Pine Ave Unit 254239, Green Cove Springs, FL 32043

    This small vacant lot offers a practical opportunity to build a compact home or private retreat in the heart of Green Cove Springs. Located just minutes from local shopping and the walkable downtown district, this property provides convenient access to everyday essentials. Enjoy nearby Spring Park on the river, local restaurants, and the relaxed pace of this historic southern town. The lot is

    Shelby Hodges Keller Williams St Augustine

    0 Pine Ave Unit 254239, Green Cove Springs, FL 32043
  • /4

    $40,000

    • Land
    • 0.08 Acre
    • $500,000 per Acre

    0 Cypress Ave Unit 254237, Green Cove Springs, FL 32043

    Welcome to your future haven in one of North Florida’s most charming and historic towns! This vacant lot offers the perfect canvas to build your personal retreat—whether it's a cozy cottage, modern farmhouse, or weekend getaway. Nestled just minutes from shopping, local schools, and the quaint streets of downtown Green Cove Springs, you'll enjoy the best of small-town living with everyday

    Shelby Hodges Keller Williams St Augustine

    0 Cypress Ave Unit 254237, Green Cove Springs, FL 32043
  • /2

    $25,000

    • Land
    • 0.09 Acre
    • $277,778 per Acre

    0 Pine Ave Unit 2099291, Green Cove Springs, FL 32043

    This small vacant lot offers a practical opportunity to build a compact home or private retreat in the heart of Green Cove Springs. Located just minutes from local shopping and the walkable downtown district, this property provides convenient access to everyday essentials.Enjoy nearby Spring Park on the river, local restaurants, and the relaxed pace of this historic southern town. The lot

    Shelby Hodges KELLER WILLIAMS REALTY ATLANTIC PARTNERS ST. AUGUSTINE

    0 Pine Ave Unit 2099291, Green Cove Springs, FL 32043
  • /3

    $40,000

    • Land
    • 0.08 Acre
    • $500,000 per Acre

    0 Cypress Ave Unit 2099290, Green Cove Springs, FL 32043

    Welcome to your future haven in one of North Florida's most charming and historic towns! This vacant lot offers the perfect canvas to build your personal retreat—whether it's a cozy cottage, modern farmhouse, or weekend getaway.Nestled just minutes from shopping, local schools, and the quaint streets of downtown Green Cove Springs, you'll enjoy the best of small-town living with everyday

    Shelby Hodges KELLER WILLIAMS REALTY ATLANTIC PARTNERS ST. AUGUSTINE

    0 Cypress Ave Unit 2099290, Green Cove Springs, FL 32043
  • /25

    $349,900

    • 4 Beds
    • 2 Baths
    • 1,795 Sq Ft

    218 Stoneridge Ct, Orange Park, FL 32065

    Fully renovated home in the amazing community of Foxridge on .34 acres. New paver patio with fire pit and sod in backyard. New Roof in 2020, HVAC 2022, Plumbing and electric updated. Kitchen with quartz counters on perimeter and island. White shaker cabinets, black matte plumbing and hardware. Stainless steel appliances all updated in 2020. Kitchen breakfast nook leads into full size laundry room

    CC Underwood KELLER WILLIAMS REALTY ATLANTIC PARTNERS

    218 Stoneridge Ct, Orange Park, FL 32065
  • /53

    $731,000

    • 3 Beds
    • 2.5 Baths
    • 2,356 Sq Ft

    831 Arthur Moore Dr, Green Cove Springs, FL 32043

    Lakefront Paradise with Resort-Style Living Welcome to your own slice of paradise in this one-of-a-kind lakefront home, nestled on .67 acres in a lakefront community where the charm of rural living meets the convenience of modern luxury. Watch horses stroll by from nearby ranches while enjoying tranquil views of a spring-fed lake from your own backyard. This beautifully updated 3-bedroom,

    Terri Tagliarini I ON REAL ESTATE & INVESTMENTS

    831 Arthur Moore Dr, Green Cove Springs, FL 32043
  • /32

    $348,900

    • 4 Beds
    • 2 Baths
    • 1,659 Sq Ft

    965 Florida St, Fleming Island, FL 32003

    Are you in search of a new construction home priced under $350k, free of HOA and CDD fees? Prepare to be thrilled by this opportunity—without the burden of those additional costs, you could be saving an average of around $400 per month compared to other new construction homes! Plus, enjoy the benefits of energy efficiency, leading to even more savings. This stunning home, built in 2025, is

    Jordan Feria KELLER WILLIAMS ST JOHNS

    965 Florida St, Fleming Island, FL 32003
  • /35

    $348,900

    • 4 Beds
    • 2 Baths
    • 1,659 Sq Ft

    959 Florida St, Fleming Island, FL 32003

    Are you in search of a new construction home priced under $350k, free of HOA and CDD fees? Prepare to be thrilled by this opportunity—without the burden of those additional costs, you could be saving an average of around $400 per month compared to other new construction homes! Plus, enjoy the benefits of energy efficiency, leading to even more savings. This stunning home, built in 2025, is

    Jordan Feria KELLER WILLIAMS ST JOHNS

    959 Florida St, Fleming Island, FL 32003
  • /25

    $235,000

    • 3 Beds
    • 1.5 Baths
    • 1,344 Sq Ft

    1739 Elsie St, Green Cove Springs, FL 32043

    Nestled in the heart of Green Cove Springs, this charming single-family home offers 3 bedrooms and 1.5 bathrooms across a spacious 1,344 square feet. The home features an updated kitchen and bathrooms, complete with stainless steel appliances. Enjoy a comfortable layout with a generous living and dining area—perfect for everyday living and entertaining. Additional highlights include a large

    Hanh Dinh COMPASS FLORIDA LLC

    1739 Elsie St, Green Cove Springs, FL 32043
  • /6

    $42,000

    • Land
    • 1.73 Acres
    • $24,277 per Acre

    7577 Casa Grande Blvd, Keystone Heights, FL 32656

    Build a barndominium and horse barn on this spetacular lot that is 1.73 acres ready for well, septic tank and electrical pole. Rezoning also allows for modular. mobile or manufactured homes. This property sits high and dry and is not in a flood zone keeping insurance rates low and affordable. Builder recommendations and loan resource are available upon request. Agent is currently getting

    Deanna Williams BOLD & SOLD LLC

    7577 Casa Grande Blvd, Keystone Heights, FL 32656
  • /6

    $35,000

    • Land
    • 1.01 Acres
    • $34,722 per Acre

    7660 Oak Forest Rd, Keystone Heights, FL 32656

    Here's the perfect opportunity in Keystone Heights, FL! A blank canvas to build your dream home or manufactured home, Call today! This one won't last long!

    Trae Nessmith Hatcher Realty Services, Inc. Cross City

    7660 Oak Forest Rd, Keystone Heights, FL 32656
  • /4

    $35,000

    • Land
    • 1.17 Acres
    • $29,915 per Acre

    7669 Silver Sands Rd, Keystone Heights, FL 32656

    Here's the perfect opportunity in Keystone Heights, FL! A blank canvas to build your dream home or manufactured home situated right off of a paved road, Call today! This one won't last long!

    Trae Nessmith Hatcher Realty Services, Inc. Cross City

    7669 Silver Sands Rd, Keystone Heights, FL 32656
  • /34

    $265,000

    • 3 Beds
    • 2 Baths
    • 1,252 Sq Ft

    1292 Eagle Ct, Orange Park, FL 32065

    Welcome to this inviting 3 bedroom, 2 bath home located on a large fenced lot. Featuring Luxury vinyl plank flooring throughout, the home offers easy upkeep and cozy comfort. The kitchen boasts quartz countertops and stainless-steel appliances. The private fenced backyard has plenty of room for a shed, pool, fire pit and more. Located near shopping, local parks, and restaurants with easy access

    Rebecca Parker EXP REALTY LLC

    1292 Eagle Ct, Orange Park, FL 32065
  • /23

    $79,900

    • Land
    • 1.36 Acres
    • $58,750 per Acre

    5165 Chicory Cir, Middleburg, FL 32068

    Build your dream home on this generous lot size 1.3 acres. Conveniently located near amenities. Don't miss the chance to secure your piece of paradise near the heart of Middleburg. Your future awaits! This property offers endless possibilities. Close to restaurants, grocery shopping, gym and schools! The lot already includes a well (artesian), septic and power pole (electric is on). Has older

    Helen Hersey HELEN HERSEY REALTY

    5165 Chicory Cir, Middleburg, FL 32068
  • /25

    $115,000

    • Land
    • 1.70 Acres
    • $67,647 per Acre

    6071 Klare Dr, Keystone Heights, FL 32656

    Escape to paradise with this stunning waterfront property! Enjoy breathtaking panoramic views of Hall Lake from your private dock allowing you to soak in the beauty of the of this waterfront property. Relax on your spacious dock, to take a dip in the water, or enjoy sunset cruises from your private dock, or to drink your morning coffee. Property is fenced, and has well, septic, and electric.

    JESSIE ELIXSON HERRON REAL ESTATE LLC

    6071 Klare Dr, Keystone Heights, FL 32656
  • /34

    $355,000

    • 4 Beds
    • 2 Baths
    • 1,616 Sq Ft

    374 Aries Dr, Orange Park, FL 32073

    Welcome to this beautifully updated pool home that's ready for you to move right in. Inside, enjoy bright, open living spaces with modern flooring, a cozy fireplace, and a gorgeous kitchen featuring timeless wood cabinetry, subway tile backsplash, and sleek quartz countertops. The bedrooms feel warm and inviting, and the bathrooms shine with marble-look tile and modern finishes.

    Shandell Callahan REALTY ONE GROUP ELEVATE

    374 Aries Dr, Orange Park, FL 32073

Showing Results 121 - 160, Page 4 of 18

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