Homes for Sale in 32724

• 

  

  

  /65

  $335,000

  • 3 Beds
  • 2 Baths

  207 Coleton Ln, Deland, FL 32724

  Purchase this home, if YOU Are Not Satisfied, We'll SELL IT FOR FREE! *First Responders and Military Members Ask About our Appreciation Discount! + Love it or Leave it Guaranteed! For information on this exclusive Buyer Protection Plan, call the listing agent directly see the info below. Embrace the perfect blend of comfort, convenience, and leisure in this beautifully maintained home within the

  Claire Swartzlander RE/MAX Signature

  207 Coleton Ln, Deland, FL 32724
• 

  

  

  /49

  $513,000

  • 4 Beds
  • 3 Baths
  • 3,051 Sq Ft

  565 Morgan Wood Dr, de Land, FL 32724

  Move-In Ready Beauty in Established DeLand Neighborhood! Looking for a move-in ready home in a well-established DeLand community where neighbors connect and shopping is just minutes away? Look no further! This professionally renovated 4-bedroom, 3-bathroom Oxford model block home in Wellington Woods is ready for its next chapter. From the moment you step into the spacious foyer, you’ll notice the

  Jeff Shaw SWANN REAL ESTATE INC

  565 Morgan Wood Dr, de Land, FL 32724
• 

  

  

  /25

  $385,000

  • 4 Beds
  • 2 Baths
  • 1,844 Sq Ft

  3021 Green Park Dr, Deland, FL 32724

  Sitting on a PREMIUM CORNER LOT with no rear neighbors, only one side neighbor and STEPS TO THE RESORT STYLE COMMUNITY POOL, this home offers the extra space, privacy and the breathing room you've been looking for. Everyday living that feels a little more like a staycation. Inside, this 2024 Pulte home FEELS like NEW and is beautifully finished with soft neutral tones throughout, creating a

  Christine Smith EXP REALTY LLC

  3021 Green Park Dr, Deland, FL 32724
• 

  

  

  /27

  $525,990 New Construction

  • 2 Beds
  • 2 Baths
  • 1,968 Sq Ft

  1314 Cresswind Blvd, Deland, FL 32724

  Pre-Construction. To be built. Discover Cresswind DeLand, a dynamic gated community just ten minutes from Historic Downtown DeLand, Florida, designed for active adults seeking vibrant, resort-style living. Residents enjoy exclusive amenities, including a lakeside clubhouse with panoramic views of Lake Winnemissett, pickleball and tennis courts, scenic walking trails, and both resort-style and

  

  William Maltbie

  MALTBIE REALTY GROUP

  (386) 261-7006

  1314 Cresswind Blvd, Deland, FL 32724
• 

  

  

  /40

  $249,000 Open Sat 10AM - 12PM

  • 2 Beds
  • 1 Bath
  • 892 Sq Ft

  426 E Plymouth Ave, Deland, FL 32724

  BUYERS FINANCING FELL THROUGH!! Now's your chance! **Stylishly Renovated Home with Flexible Living Space & RV Parking -- Prime DeLand Location** Welcome to this beautifully updated and thoughtfully designed home. Blending modern functionality with a warm boho aesthetic, this move-in-ready property offers comfort, versatility, and exceptional outdoor space- all in a quiet, convenient location just

  Kirsten Saffran LoKation

  426 E Plymouth Ave, Deland, FL 32724
• 

  

  /48

  $479,500

  • 3 Beds
  • 2 Baths
  • 1,849 Sq Ft

  112 Suffolk Ct, Deland, FL 32724

  Located on a private cul-de-sac in the highly sought-after Victoria Park community, this beautifully maintained Kolter Ivy Model home offers exceptional upgrades, thoughtful design, and serene surroundings with a wooded park directly across the street. Step inside to discover 10-foot ceilings throughout, accented by four elegant double tray ceilings, two tone custom paint, and exquisite crown

  Stephen Hachey FLAT FEE MLS REALTY

  112 Suffolk Ct, Deland, FL 32724
• 

  

  /33

  $466,994 New Construction

  • 5 Beds
  • 3.5 Baths
  • 2,858 Sq Ft

  Lopez Max Flex Plan at Trinity Gardens - 50' Wide, Deland, FL 32724

  Introducing the Lopez Max Flex by Trinity Family Builders a versatile multigenerational home designed for modern families seeking space, flexibility, and comfort. This 2,858 sq. ft. two-story floor plan features 5 bedrooms, 3.5 baths, and a 2-car garage, making it the perfect home for large families or those needing extra room for extended guests. The highlight of the Lopez Max Flex is the second

  Trinity Family Builders Builder

  606 S Kepler Rd St Unit 39809470, Deland, FL 32724
• 

  

  /26

  $414,994 New Construction

  • 4 Beds
  • 3 Baths
  • 2,151 Sq Ft

  Hayden Flex Plan at Trinity Gardens - 50' Wide, Deland, FL 32724

  Introducing the Hayden Flex by Trinity Family Builders a versatile single-story floor plan designed for modern families and multigenerational living. With 4 spacious bedrooms, 3 full baths, and 2 two-car garages, this 2,151 sq. ft. home offers flexibility, comfort, and thoughtful design. The highlight of the Hayden Flex is the private in-law suite, featuring a second primary bedroom with its own

  Trinity Family Builders Builder

  606 S Kepler Rd St Unit 39809456, Deland, FL 32724
• 

  

  /26

  $414,394 New Construction

  • 3 Beds
  • 3 Baths
  • 2,151 Sq Ft

  Hayden Max Flex Plan at Trinity Gardens - 50' Wide, Deland, FL 32724

  Discover the Hayden Max Flex by Trinity Family Builders the ultimate single-story multigenerational home designed for flexibility, comfort, and connection. Offering 3 bedrooms, 3 bathrooms, 2,151 sq. ft. of thoughtfully planned living space, and 2 two-car garages, this home is perfect for families looking to live together while enjoying privacy and independence. The highlight of the Hayden Max

  Trinity Family Builders Builder

  606 S Kepler Rd St Unit 39809457, Deland, FL 32724
• 

  

  /16

  $53,000

  • 2 Beds
  • 2 Baths
  • 864 Sq Ft

  3112 Tree Frog Ln, Deland, FL 32724

  Welcome to this beautiful 2-bedroom, 2-bath home Located in one of the area's most desirable 55+ communities, offering comfort, space, and and the perfect Florida lifestyle. As you enter the home, you are greeted by a well-appointed kitchen featuring plenty of cabinet storage, generous counter space for small appliances, and a convenient breakfast bar for causal dining. The major kitchen

  Lois Barney Mobile Home Pros

  3112 Tree Frog Ln, Deland, FL 32724
• 

  

  /36

  $549,999

  • 4 Beds
  • 2.5 Baths
  • 2,438 Sq Ft

  201 Asterbrooke Dr, Deland, FL 32724

  POOL HOME IN VICTORIA HILLS , WELCOME TO PARK VIEWS, SPACE, AND LIFESTYLE. Ideally located just minutes from I-4, and Downtown DeLand, this beautifully maintained 4 bedroom, 2 and a half bath home offers 2,438 sq ft of thoughtfully designed living space in one of the area’s most desirable golf communities.Situated on a corner lot across from a peaceful park, the home enjoys a welcoming

  Fabiola Garcia Prahl DASH REAL ESTATE COMPANY

  201 Asterbrooke Dr, Deland, FL 32724
• 

  

  /32

  $205,000

  • 2 Beds
  • 1 Bath
  • 824 Sq Ft

  1120 E Minnesota Ave, Deland, FL 32724

  Charming 2-bedroom, 1-bath home situated on a spacious .41-acre lot, offering the perfect blend of comfort and flexibility. Inside, you’ll find a bright, inviting layout designed for easy living. Outside, enjoy plenty of room to relax or entertain, along with a detached workshop and separate garage, ideal for hobbies, storage, or extra workspace. Conveniently located near major highways, schools,

  Hailey Graham GREENE REALTY OF FLORIDA LLC

  1120 E Minnesota Ave, Deland, FL 32724
• 

  

  /59

  $465,000

  • 4 Beds
  • 3 Baths
  • 2,345 Sq Ft

  637 Bluehearts Trail, Deland, FL 32724

  Tucked inside the highly desirable Victoria Park community in DeLand, this beautifully maintained residence offers the perfect blend of comfort, elegance, and effortless Florida living. Designed with an open, light-filled layout, the home welcomes you with spacious living areas that flow seamlessly into the kitchen and dining spaces—creating an ideal setting for both entertaining and everyday

  Jeanne 'Rhee' Goiriena LOCAL LIVING REALTY GROUP

  637 Bluehearts Trail, Deland, FL 32724
• 

  

  /15

  $645,164 New Construction

  • 6 Beds
  • 4.5 Baths
  • 4,418 Sq Ft

  2000 Beevalley Way, Deland, FL 32724

  Introducing The Theodore with optional MULTI-GEN SUITE WITH PRIVATE ENTRANCE. This a luxury two-story new construction home by Trinity Family Builders in the highly desirable Trinity Gardens community in DeLand, Florida, offering an exceptional blend of comfort, flexibility, and modern design. This beautifully crafted 5-bedroom, 3.5-bath floor plan features an oversized 2-car garage, a private

  Trinity Family Builders Builder

  2000 Beevalley Way, Deland, FL 32724
• 

  

  /13

  $62,900

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

  162 Oakleaf Cir Unit 150, Deland, FL 32724

  Completely Remodeled - Picture-Perfect Home Enjoy relaxed living in this cheerful, bright, and beautifully updated 1,152 sq. ft. home located in the desirable 55+ community of Hidden Hills Mobile Home Park. Completely remodeled down to the subflooring, this attractive residence is truly picture-perfect. The spacious kitchen features solid wood cabinetry, granite countertops, a granite sink,

  Karie Rochefort Great Florida Living, Inc.

  162 Oakleaf Cir Unit 150, Deland, FL 32724
• 

  

  /37

  $399,000

  • 4 Beds
  • 2.5 Baths
  • 2,656 Sq Ft

  2307 Kennington Cove, Deland, FL 32724

  Welcome to this spacious two-story home built by Mattamy Homes, located in the desirable Brantley Green community in Volusia County. This spacious property offers 4 bedrooms, 2.5 bathrooms, and a 2-car garage, designed for comfortable living and modern lifestyles.This is an incredible opportunity for buyers looking for space, location and value, in one of the volusia county growing areas –

  Roxana Lishner LPT REALTY, LLC

  2307 Kennington Cove, Deland, FL 32724
• 

  /2

  $450,000

  • Land
  • 1.4 Acres
  • $321,429 per Acre

  205 E New Hampshire Ave, Deland, FL 32724

  Discover the potential of this expansive 1.4-acre residential parcel, perfectly positioned to bring your custom vision to life! this property offers a generous 60,840 square feet of space, providing the ideal canvas for your dream home, private estate, or long-term investment. Located in a tranquil, non-flood zone (Zone X) area, this lot offers both peace of mind and the flexibility to design a

  Christian Betancour, LLC LPT REALTY, LLC

  205 E New Hampshire Ave, Deland, FL 32724
• 

  

  /24

  $75,000

  • 3 Beds
  • 2 Baths
  • 1,586 Sq Ft

  1013 Mahogany Bend Dr, Deland, FL 32724

  Larger, newer, and still priced competitively to the other homes in Meadowlea Village. This 2005 home boasts 1,586 square feet with a split floorplan, dedicated laundry room, large closets, high efficiency double glazed windows, wide hallways, a front patio, double wide driveway, 9.5' ceilings, SafeStep Jetted Walk-in Tub, security system, 2020 kitchen appliances, 200 Amp Siemens electrical

  Garrett OBrien SURF N TURF REALTY

  1013 Mahogany Bend Dr, Deland, FL 32724
• 

  

  /48

  $585,000

  • 3 Beds
  • 3 Baths
  • 2,792 Sq Ft

  215 Avenham Dr, Deland, FL 32724

  Welcome to this beautifully maintained 3-bedroom plus Flex/Den home with 3 full baths and a 3-car garage in the highly sought-after 55+ gated community of Victoria Gardens. Situated on a premium homesite backing to conservation, this property offers peaceful views of trees and nature with no rear or side neighbors, providing exceptional privacy. Designed for comfort and entertaining, the home

  Cindy Eckert, PA CHARLES RUTENBERG REALTY ORLANDO

  215 Avenham Dr, Deland, FL 32724
• 

  

  /3

  $20,000

  • Land
  • 11,325 Sq Ft
  • $76,923 per Acre

  0 11th Unit MFRO6389320, Deland, FL 32724

  Vacant land. will need Septic and well. Electric nearby. Bring your own builder and build your dream home.

  Paula Spann PINEAPPLE PLACE REALTY, LLC

  0 11th Unit MFRO6389320, Deland, FL 32724
• 

  

  /47

  $358,000

  • 4 Beds
  • 2 Baths
  • 1,600 Sq Ft

  1785 9th Ave, Deland, FL 32724

  Welcome to this beautifully upgraded 4-bedroom, 2-bath home situated on an oversized lot with NO HOA! Step inside to an inviting open-concept layout featuring luxury vinyl flooring throughout and a stunning kitchen with upgraded cabinetry, elegant quartz countertops, and upgraded appliances. The owner’s suite offers a peaceful retreat with a newly added sliding glass shower door. Enjoy Florida’s

  Erica Jefferson COLDWELL BANKER REALTY

  1785 9th Ave, Deland, FL 32724
• 

  

  /13

  $79,900

  • Land
  • 19,166 Sq Ft
  • $181,591 per Acre

  2221 Holly Ln, Deland, FL 32724

  Build your dream home on this oversized 0.43-acre lot in a peaceful setting just minutes from everything DeLand has to offer. This cleared and build-ready property features beautiful grandfather live oak trees, providing natural shade and classic Florida charm. Water has already been brought to the property, saving you time and development costs. Conveniently located just 5 minutes from

  Bob Barker CHARLES RUTENBERG REALTY ORLANDO

  2221 Holly Ln, Deland, FL 32724
• 

  

  /32

  $395,000

  • 4 Beds
  • 2 Baths
  • 1,828 Sq Ft

  452 Baroness Way, Deland, FL 32724

  Beautifully maintained 2023 built DR Horton home located in the desirable Victoria Oaks community in DeLand. Situated on a spacious corner lot, this thoughtfully designed single story residence offers 4 bedrooms, 2 bathrooms, and 1,828 square feet of bright open living space ideal for everyday living and entertaining. The kitchen serves as the heart of the home, featuring granite countertops,

  Peter Luu REAL BROKER, LLC

  452 Baroness Way, Deland, FL 32724
• 

  

  /47

  $45,500

  • 2 Beds
  • 2 Baths

  3001 Tree Frog Ln, Deland, FL 32724

  This is arguably THE best location in THE premier 55+ manufactured housing community in this part of Florida. Step out the front door, and the pools, clubhouse, and tennis courts are across the street. Out back is the 1st tee of the golf course. 10 minutes 'til dinner is ready? Play a couple of balls on the first hole of the free pitch 'n' putt course. Corner lot. Spacious Florida room.

  Courtney Doss Down Home Realty

  3001 Tree Frog Ln, Deland, FL 32724
• 

  

  /8

  $40,000

  • 3 Beds
  • 2 Baths

  3234 Country Ln Unit 3234, Deland, FL 32724

  Teresa Quebbeman Right Realty Connection INC

  3234 Country Ln Unit 3234, Deland, FL 32724
• 

  

  /40

  $310,000

  • 3 Beds
  • 1 Bath
  • 1,610 Sq Ft

  975 N Boston Ave, Deland, FL 32724

  This immaculate 3-bedroom, 1-bathroom home sits on a spacious corner lot measuring 115 x 140 and offers fantastic curb appeal with its stacked rock accent wall and charming shiplap-style vinyl siding. Step inside and you’ll immediately notice the abundance of natural light that fills the home. The open floor plan creates a seamless flow between the dining, living, and kitchen areas—perfect for

  Wendy Schwoerer LAND AND SEA REALTY

  975 N Boston Ave, Deland, FL 32724
• 

  

  /36

  $380,000 Open Sun 1PM - 3PM

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

  439 Victoria Hills Dr, Deland, FL 32724

  439 Victoria Hills Drive – Golf Course Living in the Heart of DeLand Welcome to your peaceful oasis in the highly sought-after Victoria Hills Golf Club community. Perfectly positioned overlooking the fifth hole fairway, this beautifully updated home offers tranquil views, mature landscaping, and the kind of setting that makes everyday living feel like a retreat. Built in 2005 and completely

  Michael Bellamy REDFIN CORPORATION

  439 Victoria Hills Dr, Deland, FL 32724
• 

  /2

  $19,000

  • Land
  • 11,325 Sq Ft
  • $73,077 per Acre

  0 E Jasmine Rd, Deland, FL 32724

  Located in the quiet Daytona Park Estates area of DeLand, this vacant residential lot (APN 700105150220) offers a great opportunity to build or hold as a long-term investment in growing Volusia County. The property provides peaceful surroundings with natural Florida landscape and convenient access to nearby roads leading to downtown DeLand, shopping, dining, and schools. Electricity is available

  Clarence Fields FIELDS OF PROSPER LLC

  0 E Jasmine Rd, Deland, FL 32724
• 

  

  /39

  $849,900 Open Sat 10AM - 2PM

  • 4 Beds
  • 4 Baths
  • 3,248 Sq Ft

  1623 Magnolia Ave, Deland, FL 32724

  Under Construction. Contractor will give new buyer choice of back splash. Agricultural Estate on 4+ Acres Backing to Conservation – North DeLand Exciting opportunity to own a private agricultural estate in desirable North DeLand, offering more than 4 acres of usable land and backing directly to the serene Clark Bay Conservation Area. This unique property blends rural privacy with thoughtful

  Jim McFadzean, Jr BUYING PARADISE LLC

  1623 Magnolia Ave, Deland, FL 32724
• 

  

  /23

  $279,900

  • 3 Beds
  • 2 Baths
  • 1,404 Sq Ft

  3801 Arborvitae Way, de Land, FL 32724

  One or more photo(s) has been virtually staged. Welcome to the beautiful Amelia plan by LGI Homes in the gated community of Berry’s Ridge. This well-designed one-story home features 3 bedrooms, 2 full bathrooms, an open floor plan, and an attached 2-car garage. Interior upgrades include energy-efficient appliances, spacious countertops, custom wood cabinets, brushed nickel hardware, and more than

  Ian Trumbach

  FLORIDA PRESTIGIOUS HOMES INC

  (386) 753-3897

  3801 Arborvitae Way, de Land, FL 32724
• 

  

  /41

  $1,100,000

  • 2 Beds
  • 1.5 Baths
  • 1,164 Sq Ft

  1065 S Massachusetts Ave, Deland, FL 32724

  Check out this rare opportunity to own acreage that is agriculturally zoned within minutes to Downtown Deland that is set up to be a horticulturists dream! This property features a 70 x 30 metal building that includes your 2 bedroom, 1.5 bath home with a cute little front porch along with a covered parking breezeway that adjoins you to the rest of the building that is used for work space and/or

  Tristina Hill SOUTHERN EXCLUSIVE REALTY CORP

  1065 S Massachusetts Ave, Deland, FL 32724
• 

  

  /38

  $265,000

  • 3 Beds
  • 2 Baths
  • 1,150 Sq Ft

  14 Sunshine Blvd, Deland, FL 32724

  Welcome home to this beautifully remodeled 3-bedroom, 2-bathroom gem nestled on nearly a quarter-acre lot. From the moment you step inside, you’ll notice the fresh, modern feel with new luxury vinyl plank flooring, updated fixtures, and fresh interior and exterior paint throughout. The heart of the home is the stunning kitchen featuring brand-new cabinets, granite countertops, and stainless steel

  Erik McGinnis HOMEVEST REALTY

  14 Sunshine Blvd, Deland, FL 32724
• 

  

  /43

  $429,900

  • 4 Beds
  • 3 Baths
  • 2,380 Sq Ft

  2337 Oxmoor Dr, Deland, FL 32724

  Welcome to 2337 Oxmoor Drive in beautiful DeLand—a spacious and thoughtfully designed 4-bedroom, 3-bath home located in a desirable community with fantastic amenities including side walks, a community pool and playground. This well-appointed home offers a highly functional layout featuring two primary suites, each with its own private bathroom—perfect for multigenerational living, guests, or

  Brenda McGough DASH REAL ESTATE COMPANY

  2337 Oxmoor Dr, Deland, FL 32724
• 

  

  /26

  $152,500

  • 2 Beds
  • 2 Baths

  312 Knot Way, Deland, FL 32724

  Welcome to The Oaks, a lovely and welcoming 55+ community where comfort, convenience, and active living come together. This charming manufactured home has been lovingly maintained and offers a bright, inviting layout perfect for enjoying your next chapter. Inside, you'll find comfortable living spaces, a functional kitchen, and cozy bedrooms designed for easy, low-maintenance living. Whether

  Leyvi Titcomb Amicorp INC

  312 Knot Way, Deland, FL 32724
• 

  

  /12

  $69,900

  • 3 Beds
  • 2 Baths
  • 1,444 Sq Ft

  1032 Cedar Glen Dr Unit 1032, Deland, FL 32724

  Nestled in the quiet Meadowlea community of Deland this well maintained, 3 bedroom, 2 bath home offers comfort and peace of mind. Features include a newer shingle roof, 2025 AC, 2024 water heater. Skylights throughout home and screened in porch is perfect for relaxing. A large shed giving extra storage. Move in ready AND located in peaceful setting. Call Mariah or Michelle.

  Mariah Ramos

  1032 Cedar Glen Dr Unit 1032, Deland, FL 32724
• 

  

  /37

  $289,000 Open Sat 12PM - 2PM

  • 2 Beds
  • 2.5 Baths
  • 1,536 Sq Ft

  125 Manor View Ln, Deland, FL 32724

  Welcome to 125 Manor View lane in Victoria Park Deland. This townhouse is ready for immediate occupancy. First level offers a living room, office/den with double doors (could serve as a 3rd bedroom), a beautiful kitchen with gas range overlooking the family room and a picturesque courtyard. The courtyard is spacious and perfect for that morning cup of coffee, barb q's and entertaining. There is

  Melissa Stalzer LPT REALTY, LLC

  125 Manor View Ln, Deland, FL 32724
• 

  

  /37

  $324,000

  • 4 Beds
  • 3 Baths
  • 1,760 Sq Ft

  122 S Garfield Ave, Deland, FL 32724

  Invest smart,$10K towards property upgrades!Calling all investors! Excellent opportunity to own a fully vacant tri-plex located just minutes from downtown and Stetson University. This property has been recently updated with new flooring, new cabinets, and fresh paint throughout, making it ready for tenants or short-term rental potential.The building features three units:• Two 1-bedroom,

  Ed DiMotta LPT REALTY, LLC

  122 S Garfield Ave, Deland, FL 32724
• 

  

  /29

  $595,500

  • 4 Beds
  • 3 Baths
  • 2,948 Sq Ft

  1528 Blue Grass Blvd, Deland, FL 32724

  Pool home with flexible living space in the desirable community of Saddlebrook in DeLand. This 4-bedroom, 3-bath home also features a dedicated office that can easily serve as a 5th bedroom or flex space. The well-designed floor plan offers open-concept living with architectural details throughout. The formal dining room opens to a spacious kitchen that boasts an island, granite countertops, tile

  

  Carla Gibson

  ADAMS, CAMERON & CO., REALTORS

  (386) 590-9593

  1528 Blue Grass Blvd, Deland, FL 32724
• 

  

  /17

  $69,900

  • 3 Beds
  • 2 Baths
  • 1,620 Sq Ft

  186 Bay Ct Unit 27, Deland, FL 32724

  Beautifully Landscaped Home in the Desirable 55+ Community of Hidden Hills Located on a peaceful cul-de-sac in the highly sought-after Hidden Hills 55+ community, this beautifully maintained 3-bedroom, 2-bath home offers comfort, privacy, and move-in-ready convenience. This immaculate home features numerous updates including new HVAC, roof, plumbing, water heater, and stylish vinyl plank flooring

  Karie Rochefort Great Florida Living, Inc.

  186 Bay Ct Unit 27, Deland, FL 32724
• 

  

  /10

  $25,000

  • Land
  • 6,098 Sq Ft
  • $178,571 per Acre

  0 E Hubbard Ave, Deland, FL 32724

  Build your vision in the heart of DeLand! This 0.14-acre vacant lot offers an opportunity to create your own single-family home in an established area. Zoned for single-family residential use, this property provides flexibility for a custom build or future investment. The lot is undeveloped with no utilities currently in place, allowing a new owner to design and install services to suit their

  Veronica Figueroa EXP REALTY LLC

  0 E Hubbard Ave, Deland, FL 32724

Showing Results 161 - 200, Page 5 of 14