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Crystal River, FL Homes for Sale

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  • /17

    $699,000

    • Land
    • 12 Acres
    • $60,730 per Acre

    2365 NW Us Highway 19, Crystal River, FL 34428

    Bring your shovel and vision to this prime 11.51-acre commercial property in the heart of Florida’s Nature Coast, located in the City of Crystal River, Citrus County. With 1,730+ feet of frontage along US Highway 19—a major thoroughfare with 27,500 AADT—this property offers exceptional visibility and accessibility for businesses looking to capitalize on the area's growth.Zoned CH (High Intensity

    Elias Kirallah CENTURY 21 J.W.MORTON R.E.

    2365 NW Us Highway 19, Crystal River, FL 34428
  • /14

    $365,000

    • 3 Beds
    • 2 Baths
    • 1,384 Sq Ft

    779 N Palm Springs Terrace, Crystal River, FL 34429

    -The Perfect Vacation Rental- An EXTRAORDINARY WATERFRONT Investment Opportunity!1.8 acres that encompass the entire end of a canal.House is gutted from Helene but offers much in structural integrity...New Roof in March 2024, $14,000;New Boat Lift $35,710 by West Marine, Shed $7,600.Frontage on Palm Springs Terrace and W Ft. Island Trail.Home has 3 bedrooms, 2 baths, open

    Steve Latiff ERA American Suncoast Realty

    779 N Palm Springs Terrace, Crystal River, FL 34429
  • /32

    $139,900

    • 2 Beds
    • 2 Baths
    • 840 Sq Ft

    11421 W Red Pine Ct, Crystal River, FL 34428

    MOVE IN READY .... REMODELED 2BR/2BA MOBILE HOME WITH A SPLIT PLAN. 12 X 23 COVERED BACK DECK, OUT BUILDING AND FENCED YARD. GREAT GET AWAY PLACE FOR SOMEONE WHO LIKES TO FISH OR GOLF.

    Barbara Mills Tropic Shores Realty

    11421 W Red Pine Ct, Crystal River, FL 34428
  • /27

    $289,000

    • 1 Bed
    • 1 Bath
    • 698 Sq Ft

    1412 SE Paradise Ave Unit 1, Crystal River, FL 34429

    Welcome to Paradise… this bright and cheery Condo is located on the corner, Unit 1 of a 12 unit condo association in the City of Crystal River with a private paver patio. Shares access to a spring fed, deep, fresh water canal with access to Kings Bay and Gulf of Mexico. Close to three Sister Springs for Kayaking off the dock. Unit 1, 2 and 12 share two assigned dock spaces. This unit comes fully

    Cinda Ruiz Coldwell Banker Investors Realty

    1412 SE Paradise Ave Unit 1, Crystal River, FL 34429
  • /7

    $550,000

    • 4,904 Sq Ft

    8015 W Baja Ct, Crystal River, FL 34428

    Income-Producing Mobile Home Park – Prime Location & Expansion Opportunity!Calling all investors and entrepreneurs! This income-producing mobile home park sits on just under 5 acres, offering a prime location near Kings Bay, Three Sisters Springs, Fort Island Beach, the Gulf of Mexico, and downtown Crystal River. The property currently features seven single-wide homes and one double-wide,

    John Holloway The Holloway Group

    8015 W Baja Ct, Crystal River, FL 34428
  • /11

    $25,000

    • Land
    • 0.35 Acre
    • $71,429 per Acre

    10220 W Ohio Dr, Crystal River, FL 34428

    Welcome to your future haven in the Holiday Heights subdivision. This impressive .35-acre lot offers a wealth of possibilities that will inspire and accommodate your vision. whether it's a dream home or a smart investment property. This is a beautiful partially cleared lot with no HOA that allows Manufactured Homes and is located in Flood Zone X making it a rare find.

    Paula Lovett LOVE FLORIDA PROPERTIES

    10220 W Ohio Dr, Crystal River, FL 34428
  • /67

    $898,000

    • 2 Beds
    • 3 Baths
    • 1,778 Sq Ft

    2571 N Seneca Point, Crystal River, FL 34429

    FANTASTIC VACATION HOME! NO BRIDGES! SHORT RIDE TO GULF!Do you fish? Kayak? Need a workshop? Craft room? Home gym? Or work from home? Could this be your new home?Waterfront Stilt Home with Gulf Access & Smart Features!Live the ultimate Florida waterfront lifestyle in this custom stilt home on a deep-water canal with direct Gulf access and no fixed bridges. Featuring

    Jeyte Gilson Epique Realty Inc

    2571 N Seneca Point, Crystal River, FL 34429
  • /58

    $385,000

    • 3 Beds
    • 2 Baths
    • 1,910 Sq Ft

    84 N Country Club Dr, Crystal River, FL 34429

    Stunning Renovated Home on the Plantation Golf Course!Welcome to this beautifully renovated 3-bedroom, 2-bathroom home featuring an open floor plan and high-end upgrades throughout. Situated on the 14th tee of the Plantation Golf Course, this home offers luxury, comfort, and convenience, just minutes from a boat ramp, Fort Island Beach, and the world-famous Three Sisters Springs, where

    Sandra Oller-Deem Tropic Shores Realty

    84 N Country Club Dr, Crystal River, FL 34429
  • /53

    $348,999

    • 4 Beds
    • 2 Baths
    • 2,336 Sq Ft

    9480 W Caravan Path, Crystal River, FL 34428

    Tranquil Country Retreat in Crystal River. This one-acre, 3-bedroom, 3-bathroom home has 2,336 sq. ft. of well designed space with a separate studio, creative space or for extra guests. Built for comfort and privacy, this home blends country charm with modern amenities near the West Nature Coast of Florida. Spacious & Inviting Interior:A bright, light filled, open-concept

    Kendra Ford RE/MAX Realty One

    9480 W Caravan Path, Crystal River, FL 34428
  • /72

    $269,000

    • 2 Beds
    • 2 Baths
    • 1,908 Sq Ft

    6099 W Douneray Loop, Crystal River, FL 34429

    Don’t miss this opportunity to own a beautifully maintained 2-bedroom, 2-bathroom home in the highly sought-after Meadowcrest community! Located just a short stroll from the clubhouse, sparkling pool, and serene walking trails, this charming residence offers the perfect blend of comfort and convenience.Step inside to discover a bright and spacious layout featuring a cozy living area and a

    Alice Prahm Epique Realty Inc

    6099 W Douneray Loop, Crystal River, FL 34429
  • /3

    $25,000

    • Land
    • 1.00 Acre
    • $25,000 per Acre

    6724 Bugbee, Crystal River, FL 34428

    This 1-acre, vacant lot is a great opportunity to create your own private oasis. With ample space and a peaceful setting, this property is just waiting for your dream home or investment project. Enjoy the natural beauty of the area, while still being close to local springs, parks, and all the amenities Crystal River has.

    Lauren Black FLORIDA'S CHOICE REALTY

    6724 Bugbee, Crystal River, FL 34428
  • /34

    $299,000

    • 4 Beds
    • 2 Baths
    • 1,962 Sq Ft

    3230 N Quarterhorse Terrace, Crystal River, FL 34428

    Beautifully remodeled 4 bedroom, 2 bath, 2 car carport and 2 car garage home sits on just shy of an acre that is fully fenced. No HOA, plenty of space for the RV or boat. The home was just painted inside and out in 2024, new kitchen with beautiful shaker cabinets, granite countertops, backsplash, large island on wheels for convenience while cooking, fully remodeled bathrooms to include tile

    Lindsay Stewart Reliance Realty & Investments, Inc.

    3230 N Quarterhorse Terrace, Crystal River, FL 34428
  • /39

    $329,000

    • 1 Bed
    • 1.5 Baths
    • 468 Sq Ft

    222 NE 1st Ave, Crystal River, FL 34429

    One or more photo(s) has been virtually staged. DID NOT FLOOD DURING HELENE, DEBBY OR IDALIA. Discover the perfect blend of charm and versatility with this unique 1952 Cracker style gem, ideally located in the heart of downtown Crystal River. Zoned for both commercial and residential use, this property offers endless possibilities, including the potential for a cozy café or small business. Raised

    Lisa VanDeBoe PLANTATION REALTY, INC.

    222 NE 1st Ave, Crystal River, FL 34429
  • /19

    $278,000

    • Land
    • 0.17 Acre
    • $1,635,294 per Acre

    27 NE 2nd St, Crystal River, FL 34429

    PRICE REDUCTION!! Cleared lot ready to build on this homeite a stones throw to Hunters Springs Park! Seller includes survey, soil test (pd $4000), Home Architect Plans (pd $20,000), Contractors & Project MGRs lined up & ready to go! House is designed with porch view of water & to be 6000 sq ft! Property DID NOT flood past 2 hurricanes- property is 5 ft elevation higher than neighbors. One block

    LouAnn Papp 1ST CLASS REAL EST PREMIER GRP

    27 NE 2nd St, Crystal River, FL 34429
  • /59

    $449,000

    • 2 Beds
    • 2 Baths
    • 1,346 Sq Ft

    11961 W Edgeview Ct Unit 11961, Crystal River, FL 34429

    Need help with your closing cost? We can help! Seller is offering a $10,000 concession to buyer at closing to help with expenses!!! NEVER FLOODED! GATED WATERFRONT COMMUNITY ON THE CRYSTAL RIVER 2 bedroom, 2 bath, 2 car carport, lots of closet space, vaulted ceilings, community pool AND a new hydraulic elevator NOT lift; elevator

    Jeyte Gilson EPIQUE REALTY, INC.

    11961 W Edgeview Ct Unit 11961, Crystal River, FL 34429
  • /59

    $199,000

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

    9780 W Tennessee Ln, Crystal River, FL 34428

    STOP! You’ll want to see this gem on Tennessee . Check out this 3 bedroom 2 bathroom home located in the heart of the Nature Coast. Recently, the whole house was painted and professionally cleaned. The owners used it as an income producing property in preparation to move to something bigger! For them it was a great starter home and would service as a perfect retirement or secondary property.

    Tony Ciardullo TROPIC SHORES REALTY LLC

    9780 W Tennessee Ln, Crystal River, FL 34428
  • /15

    $499,900

    • Land
    • 0.75 Acre
    • $666,533 per Acre

    17 & 19 N Spangler Loop, Crystal River, FL 34429

    Looking for that rare piece of open water view in the beautiful islands of Ozello? These 2 lots are ready to be built on and if you design your house right you could have a magnificent sunrise and sunset view. Property has had the studies done, riprap seawall installed, water connection fee paid and an impact fee credit as well. Just need your house plans and builder to finish the pieces. This

    Nathan Barnes RE/MAX Realty One

    17 & 19 N Spangler Loop, Crystal River, FL 34429
  • /47

    $795,000

    • 5 Beds
    • 4 Baths
    • 4,848 Sq Ft

    6873 W Rich St, Crystal River, FL 34428

    Crystal River property. PRICED TO SELL. Includes 2 Homes and Retail shop/space with 4 bay garage workshop. HOME, RENTAL, AND BUSINESS ALL IN ONE or use all buildings as commercial. Unique property unlike any other. Work where you live, have multiple incomes, the possibilities are endless. This property features a GNC parcel with walking distance to restaurants, shopping etc. Apx 2 miles from the

    Ariel Bruns Tropic Shores Realty

    6873 W Rich St, Crystal River, FL 34428
  • /7

    $49,000

    • Land
    • 1.86 Acres
    • $26,344 per Acre

    9942 W Hawthorne St, Crystal River, FL 34428

    2 contiguous lots using the same Alternate Key number ! Very possible they can be separated and used for 2 homes, but please verify ? Very convenient to town and close to everything . Appears to be a decent elevation . Shows to be in Flood Zone A, but property stayed dry during recent hurricanes and excessive rains, so that's a good sign ! Located on Bay , but address shows Hawthorne.

    Janice Ayers ERA American Suncoast Realty

    9942 W Hawthorne St, Crystal River, FL 34428
  • /52

    $582,900

    • 3 Beds
    • 2 Baths
    • 1,639 Sq Ft

    2891 N Rivers Edge Blvd Unit 100, Crystal River, FL 34429

    Welcome to your waterfront oasis in the gated community of River Cove Landing! SELLER WILL CONSIDER CONTRIBUTIONS TOWARD BUYERS CLOSING COSTS!!! This stunning 3-bedroom, 2-bathroom condo offers the perfect blend of comfort and coastal living. With high ceilings, an open floor plan, and abundant natural light, this home is perfect for entertaining guests or simply relaxing. The main living areas

    Cheyenne Copeland HAVEN PROPERTY GROUP LLC

    2891 N Rivers Edge Blvd Unit 100, Crystal River, FL 34429
  • /11

    $15,500

    • 2 Beds
    • 2 Baths

    1126 SE Oak Grove Terrace Unit 160, Crystal River, FL 34429

    Welcome to this charming home with a spacious floor plan and plenty of room to grow. Enjoy the large trees in the front yard that provide afternoon shade, along with an extra-large storage shed. This home does require some TLC, but it has great potential! Make it your own. Conveniently located near the beach and Three Sister Springs, you'll be within 20 minutes of 28 golf courses and much more!

    Shelia Millaway Crystal River Village

    1126 SE Oak Grove Terrace Unit 160, Crystal River, FL 34429
  • /11

    $56,500

    • 2 Beds
    • 2 Baths

    950 Serendipity Place, Crystal River, FL 34429

    This stunning home offers a four-season lanai and a spacious screened-in carport, perfect for entertaining or enjoying the outdoors year-round. The interior features elegant wood flooring throughout the main living areas, with cozy carpeting in the bedrooms for added comfort. Fully furnished and ready for move-in, this two-bedroom, two-bath residence is ideally situated on a quiet cul-de-sac next

    Shelia Millaway Crystal River Village

    950 Serendipity Place, Crystal River, FL 34429
  • /28

    $273,000

    • 3 Beds
    • 2 Baths
    • 1,542 Sq Ft

    5901 W Woodside Dr, Crystal River, FL 34429

    Welcome home!! Now with Brand New Roof 2025 and new price improvement!! Don't miss the opportunity to own This Completely Renovated 3Bed/2Bath 1,542 sqft home located in the peaceful Connell Heights. This home is a perfect blend of style, functionality and location. Situated in a desirable quiet community with No HOA, this home boasts a perfect floor plan with an extra spacious

    Geronimo Mata Guevara LA ROSA REALTY KISSIMMEE

    5901 W Woodside Dr, Crystal River, FL 34429
  • /72

    $359,900

    • 3 Beds
    • 2 Baths
    • 1,757 Sq Ft

    11124 W Thoreau Place, Crystal River, FL 34428

    Beautiful, solid home, close to all of the action! ALL of the important things are NEW! New Roof, AC, pool pump, NEW gorgeous 1/2" thick plank flooring in main living space, plus so much more! Tour this remarkable, ELEVATED, block home (1st floor elevation of approx. 4 feet) with its solidly engineered foundation walls! Home was NEVER FLOODED! There is so much value for this price. HUGE pool

    Heidi Scharlow 1ST CLASS REAL ESTATE GULF TO BAY

    11124 W Thoreau Place, Crystal River, FL 34428
  • /8

    $17,500

    • Land
    • 0.39 Acre
    • $44,872 per Acre

    50 Carnahans Island, Crystal River, FL 34429

    Escape to your own slice of paradise on Carnahans Island in Crystal River, Florida. This approximately 0.39-acre lot, nestled between Ozello and Crystal River, offers a unique opportunity to own a piece of a private island, accessible only by boat. Surrounded by pristine natural beauty, this property provides direct access to the Salt River and endless outdoor activities, including fishing,

    Cody Spaur LANDSHARK REALTY

    50 Carnahans Island, Crystal River, FL 34429
  • /5

    $39,000

    • Land
    • 36 Acres
    • $1,078 per Acre

    9771 W Dunnellon Rd, Crystal River, FL 34428

    .83 ACRES LOCATED IN RAINBOW FOREST

    Ethel Riley Drummond Realty Inc.

    9771 W Dunnellon Rd, Crystal River, FL 34428
  • /34

    $619,000

    • 3 Beds
    • 2 Baths
    • 1,560 Sq Ft

    2176 N Watersedge Dr, Crystal River, FL 34429

    Enjoy the river life in this charming 3-bedroom, 2-bathroom, 2-car garage home on Watersedge Drive. Located on a canal with your own private boat dock and lift, this property offers direct access to the Gulf of Mexico, Kings Bay, and Three Sisters Springs, making it perfect for boating trips and water lovers. The home recently experienced flood damage but has undergone comprehensive professional

    Christopher Lampe Seaglass Florida Properties

    2176 N Watersedge Dr, Crystal River, FL 34429
  • /7

    $29,900

    • Land
    • 1.03 Acres
    • $29,029 per Acre

    9176 W Hercules Ln, Crystal River, FL 34428

    Hercules, Hercules! How awesome would it be to own a corner lot in the heart of the Nature Coast? This lot is ready to be cleared and built on. CLRMH zoning allows for block and mobile homes as well as a number of other options for you. You will be close to town for shopping and healthcare, AND far enough away to be out of the hustle of downtown. In Citrus county you will find joy in the current

    Doug Shumate Tropic Shores Realty

    9176 W Hercules Ln, Crystal River, FL 34428
  • /2

    $25,000

    • Land
    • 0.46 Acre
    • $54,348 per Acre

    9066 W Dutton Ln, Crystal River, FL 34428

    COME SEE THIS BEAUTIFUL .46 ACRE CORNER LOT IN CRYSTAL RIVER!!! BUILD YOUR DREAM HOME, RENTAL PROPERTY OR AIRBNB, THE POSSIBILITIES ARE ENDLESS.

    Shirley Lopez PEOPLE'S TRUST REALTY

    9066 W Dutton Ln, Crystal River, FL 34428
  • /63

    $312,900

    • 3 Beds
    • 2 Baths
    • 1,732 Sq Ft

    6074 W Douneray Loop, Crystal River, FL 34429

    Welcome to Meadowcrest: Live the Resort Lifestyle like you are on a permanent vacation! Meadowcrest comprises five villages of residential homes in the Nature Coast city of Crystal River, 80 miles north of Tampa on Florida's Gulf Coast. Imagine a meadow transformed into gently rolling hills with majestic old oak trees, winding roads, and homes perfectly situated. Add small ponds, fountains,

    Shawn Stanley STANLEY REALTY SERVICES LLC

    6074 W Douneray Loop, Crystal River, FL 34429
  • /26

    $439,000

    • 3 Beds
    • 2 Baths
    • 1,904 Sq Ft

    3826 N Calusa Point, Crystal River, FL 34428

    If you like the waterfront lifestyle and to entertain guests.... then this is it.... There are entertainment areas everywhere inside and outside!! This home has a water view out of almost every window. Open floor plan includes a Huge great room / kitchen that overlooks water! Custom bar room has doors to the outside that open and enjoy the scenic view.. Master suite also opens to water! It

    Betty Morton Top Performance Real Est. Cons

    3826 N Calusa Point, Crystal River, FL 34428
  • /7

    $69,900

    • Land
    • 2.31 Acres
    • $30,260 per Acre

    11924 W Deodar St, Crystal River, FL 34428

    Adjoining acre plus lots, just a block from the Withlacoochee River ! Currently listed together, but should be able to separate if you need 2 separate lots . Priced at $69,900. for both lots . Approximately 2.31 acres combined . Most of the property is zoned X with no flooding dangers, but some of the frontage around the road is in an AE Zone . I will attach the Flood Zone map for review !

    Janice Ayers ERA American Suncoast Realty

    11924 W Deodar St, Crystal River, FL 34428
  • /8

    $65,000

    • Land
    • 2.67 Acres
    • $24,345 per Acre

    11023 W Acacia Dr, Crystal River, FL 34428

    Looking to build your dream home in Crystal River Fl? Look no further than this 2.67 acre corner lot in CrystalManor. With no HOA and paved roads. Crystal river and the surrounding areas have plenty of shopping, restaurants andentertainment. Come and enjoy all of the limitless outdoor activities in Citrus County.

    Nicole Salisbury SELLSTATE NEXT GENERATION REAL

    11023 W Acacia Dr, Crystal River, FL 34428
  • /59

    $449,000

    • 2 Beds
    • 2 Baths
    • 1,346 Sq Ft

    11961 W Edgeview Ct, Crystal River, FL 34429

    Seller is offering a $10,000 concession to buyer NEVER FLOODED! GATED WATERFRONT COMMUNITY ON THE CRYSTAL RIVER2 bedroom, 2 bath, 2 car carport, lots of closet space, vaulted ceilings, community pool AND a new hydraulic ELEVATOR NOT lift; ELEVATOR

    Jeyte Gilson Epique Realty Inc

    11961 W Edgeview Ct, Crystal River, FL 34429
  • /53

    $1,250,000

    • 3 Beds
    • 2.5 Baths
    • 2,586 Sq Ft

    1801 NW 20th Ave, Crystal River, FL 34428

    Spectacular Custom Built Stilt Home on the Grand Canal in Woodland Estates!Stunning mediterranean exterior with tile roof, grand entrance, built on pilings, 3 bedrooms, 2.5 baths, office,open floorplan, split bedroom, garage doors on front & rear. Built in elevator shaft. Central Vacuum.City Amenities, custom built in 2008, No Flooding here!! Dock with 10,000 # lift, concrete seawall! Included

    Steve Latiff ERA American Suncoast Realty

    1801 NW 20th Ave, Crystal River, FL 34428
  • /12

    $42,900

    • Land
    • 1.03 Acres
    • $41,650 per Acre

    341 NE 13th St, Crystal River, FL 34428

    JOIN THE PULSE OF THE CITY! Nestled in the HEART of Crystal River, sits this 1-acre parcel that is actually 3 contiguous homesites under one ALTKey. Parcel was cleared of all underbrush in 2022. Survey with Elevations has already been completed! NO HOA & NO DEED RESTRICTIONS! EXTREMELY DESIRABLE LOCATION w/ The Crosstown Trail 2 blocks away. This paved, lighted walking path takes you passed the

    Lynn Harris ERA AMERICAN SUNCOAST REALTY

    341 NE 13th St, Crystal River, FL 34428
  • /79

    $379,400

    • 3 Beds
    • 2 Baths
    • 2,228 Sq Ft

    491 N Country Club Dr, Crystal River, FL 34429

    Welcome to this beautifully renovated home in the heart of Crystal River, where modern comfort meets Florida charm. This spacious 2,228-square-foot house has been thoughtfully updated throughout, offering three bedrooms and two bathrooms for comfortable family living.Step inside to discover a home that's undergone an impressive transformation. Recent upgrades include new windows (2024), a

    Stewart Wasoba RE/MAX Champions

    491 N Country Club Dr, Crystal River, FL 34429
  • /13

    $6,950,000

    • Land
    • 2.15 Acres
    • $3,232,558 per Acre

    120 NW Us-19, Crystal River, FL 34429

    CRYSTAL RIVER IS AN EASY 60 MINUTE DRIVE FROM TAMPA INTERNATIONAL AIRPORT VIA SUNCOAST HIGHWAY. THE RIVER SQUARE PROPERTY IS A HOTEL/MIXED USE PROPERTY THAT SITS SQUARELY IN THE HEART OF THE KING'S BAY WATERFRONT DISTRICT IN CRYSTAL RIVER WHERE MOST WATERFRONT ACTIVITY IS CENTERED. ONE SIDE FRONTS THE GIN CLEAR WATERS THAT ARE HOME TO THE LARGEST POPULATION OF MANATEE'S ON THE PLANT. THIS, AND

    Wayne Gwilliam Florida 1 Realty , Inc

    120 NW Us-19, Crystal River, FL 34429
  • /40

    $385,000

    • 3 Beds
    • 3.5 Baths
    • 2,196 Sq Ft

    7420 W Golf Club St, Crystal River, FL 34429

    LOOK at this beautifully updated 3-bedroom, 3.5-bath home that is move-in ready and located in a highly popular neighborhood. It features two spacious living areas and an open-concept kitchen with sleek quartz countertops, updated appliances and luxury vinyl flooring throughout. The real wood-burning fireplace adds charm to the main living space, while recent upgrades, including a new front door

    Sarita Harty Plantation Realty, Inc.

    7420 W Golf Club St, Crystal River, FL 34429
  • /11

    $98,500

    • 2 Beds
    • 2 Baths

    1583 SE Lake Evelyn Ave Unit 181, Crystal River, FL 34429

    We have a wonderful pre-owned home now on the market that features stunning views, perfect for bird watching, fishing, and observing turtles, all set amidst abundant wildlife. The property is conveniently located near a nature preserve, providing picturesque sunsets over Lake Evelyn. This home includes a large screened-in lanai adjacent to the carport, as well as a spacious front lanai equipped

    Shelia Millaway Crystal River Village

    1583 SE Lake Evelyn Ave Unit 181, Crystal River, FL 34429

Showing Results 401 - 440, Page 11 of 16

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