956

Homestead, FL 1-Story Homes for Sale

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  • /2

    $180,000

    • 2 Beds
    • 2 Baths
    • 850 Sq Ft

    35250 SW 177th Ct, Homestead, FL 33034

    YOU OWN THE LAND – NO LOT RENT! This property offers the opportunity to own both the land and themanufactured home, with no leased lot and no monthly lot rent. The property sits on an approximately 4,675 sq.ft. lot and features a private driveway with a convenient location near the community entrance. The existingmanufactured home is a fixer-upper in need of significant renovation,

    Aldo Briolo Cervera Real Estate Inc.

    35250 SW 177th Ct, Homestead, FL 33034
  • /34

    $365,000

    • 4 Beds
    • 2 Baths
    • 1,116 Sq Ft

    744 SW 9th St, Homestead, FL 33034

    Welcome to 744 SW 9th Street in The Village of Palm Bay, a Gated Private Community w/ Pool and your next Completely Renovated 4 bed, 2 bath 1116 sq ft residence or investment property w/ low association fee only $150 per month. Spacious Rooms, bright split floor plan w/ Brand new Roof 2025, Brand New Impact windows and doors 2026, Updated Kitchen w/ new Fridge 2026, New Paint In & Out, Partially

    Roman Pavlik Keller Williams Dedicated Professionals

    744 SW 9th St, Homestead, FL 33034
  • /27

    $800,000

    • 5 Beds
    • 2.5 Baths
    • 3,298 Sq Ft

    29490 SW 193rd Ave, Homestead, FL 33030

    Opportunity in prime Redland location! Spacious single-family home situated on an oversized lot with ample room for outdoor living, entertaining, or future expansion. Features a functional layout with abundant natural light and excellent potential for customization or value-add improvements. Enjoy a peaceful, rural setting while still being conveniently located near major roads, shopping, and

    Omi Jean Louis Lifestyle International Realty

    29490 SW 193rd Ave, Homestead, FL 33030
  • /43

    $335,900

    $9K PRICE DROP
    • 3 Beds
    • 2.5 Baths
    • 1,426 Sq Ft

    12050 SW 268th St Unit 7, Homestead, FL 33032

    Welcome to this beautifully maintained 3-bedroom, 2.5-bath corner townhome, ideally situated in a quiet cul-de-sac within a gated community. Thoughtfully priced to sell, this inviting home offers a wonderful opportunity for families, first-time buyers, or anyone looking for comfort, convenience, and value. The spacious layout features 1,426 square feet of living space, with bright and comfortable

    Jairo Rodriguez Realty World Executive Homes

    12050 SW 268th St Unit 7, Homestead, FL 33032
  • /15

    $260,000

    • 2 Beds
    • 2 Baths
    • 868 Sq Ft

    1630 Sandpiper Blvd Unit A12013475, Homestead, FL 33035

    charming townhouse featuring 2 bedroom and 2 full bathrooms complete with an in-unit washer and dryer. Back yard IS FULLY FENCED, offering both privacy and security. Enjoy a spacious backyard that is perfect for outdoor living and entertaining.the unit is ideal for small families,professionals,or investors seeking a comfortable and versatile home

    Ronald Henry Premier Realty & Invest. Group

    1630 Sandpiper Blvd Unit A12013475, Homestead, FL 33035
  • /37

    $625,000

    $25K PRICE DROP
    • 3 Beds
    • 3 Baths
    • 1,441 Sq Ft

    407 NW 9th Ct, Homestead, FL 33030

    Bright and spacious single-family home situated on a desirable corner lot, offering comfort and functionality throughout. This 3-bedroom, 3-bath residence features a well-designed layout, updated kitchen and bathrooms, impact windows and doors, and quality upgrades throughout.Enjoy outdoor living in the private, fully fenced backyard with an in-ground pool and a cabana bath, perfect for

    Sirena Rodriguez Florida Realty of Miami Corp

    407 NW 9th Ct, Homestead, FL 33030
  • /16

    $1,299,980

    • 6 Beds
    • 4.5 Baths
    • 3,644 Sq Ft

    29215 SW 167th Ct, Homestead, FL 33030

    NO HOA. NO Flood Zone. Attention investors! I present to you the only property in this community featuring "2 homes in 1"—specifically, an Accessory Dwelling Unit (ADU). Both units are now completely independent—including their respective yards, as clearly shown in the photos—and are currently rented out on a month-to-month basis. The tenants are eager to stay on after the sale, provided the new

    Inti Noriega Realty One Group Evolution

    29215 SW 167th Ct, Homestead, FL 33030
  • /24

    $464,000

    New Construction $5K PRICE DROP
    • 3 Beds
    • 2.5 Baths
    • 1,393 Sq Ft

    23337 SW 128th Ave, Homestead, FL 33032

    Modern 3-Bed Townhome in Gated Resort-Style Community – Move-In Ready!Welcome to this stunning 2024-built townhome offering the perfect blend of comfort, convenience, and luxury living in a highly desirable gated community. Featuring 3 spacious bedrooms and 2.5 baths, all bedrooms are conveniently located upstairs for privacy.The master suite boasts a generous walk-in closet, while the

    23337 SW 128th Ave, Homestead, FL 33032
  • /14

    $1,750,000

    • 4 Beds
    • 3 Baths
    • 1,856 Sq Ft

    27900 SW 157th Ave, Homestead, FL 33031

    ATTENTION BUILDERS, DEVELOPERS, and INVESTORS!! Prime 1-ACRE inside the UDB; CORNER LOT; HIGH-VISIBILITY LOCATION; STRATEGIC POSITION; SURROUNDED BY MAJOR BUILDER ACTIVITY AND ACTIVE GROWTH CORRIDOR! Existing Residence provides immediate utility while investors evaluate long-term opportunities. Property offered for its location and development/long-term potential. Buyer to conduct due diligence

    Jacqueline Ramos Lifestyle International Realty

    27900 SW 157th Ave, Homestead, FL 33031
  • /26

    $770,000

    • 4 Beds
    • 2 Baths
    • 2,230 Sq Ft

    14214 SW 289th Terrace, Homestead, FL 33033

    NO HOA, NO CDD Beautiful remodeled single-family home with a modern and elegant style, located in the desirable Biscayne Drive Estates community. This one-story residence offers 4 bedrooms and 2 bathrooms, featuring a functional and open layout that provides comfort and spaciousness. The home includes 2,230 square feet of living area and 2,866 square feet of total area. Built in 2004, it sits on

    Iserlys Rodriguez Carballo London Foster Realty

    14214 SW 289th Terrace, Homestead, FL 33033
  • /100

    $1,890,000

    • 4 Beds
    • 5 Baths
    • 4,226 Sq Ft

    29482 SW 193rd Ct, Homestead, FL 33030

    Welcome to Casa Imperiale. Set on a 37,066 SF estate lot in the heart of the Redlands, Casa Imperiale is a one-of-a-kind residence where craftsmanship and artistry create an unforgettable living experience. Beyond custom wrought iron gates and a grand porte-cochère framed by royal palms, the home welcomes you with a formal foyer, soaring ceilings, and formal living and dining rooms designed for

    Ana Teresa Rodriguez Coldwell Banker Realty

    29482 SW 193rd Ct, Homestead, FL 33030
  • /2

    Price To Be Determined

    New Construction
    • 4 Beds
    • 3.5 Baths
    • 2,533 Sq Ft

    Fraser Plan at Ivy Ranch, Homestead, FL 33030

    The Fraser is a one-story floorplan that offers 4-bedrooms, 3-bathrooms, a 3-car garage with 2,533 sq ft of living space. The open layout connects the great room, dining area, and kitchen, ideal for entertaining. The kitchen boasts granite countertops with a full backsplash, stainless-steel appliances, a walk in pantry and a spacious island. The four spacious bedrooms offer flexibility for

    D.R. Horton Builder
    29212 SW 179th Ct Unit 41509878, Homestead, FL 33030
  • /18

    $630,000

    $20K PRICE DROP
    • 4 Beds
    • 2 Baths
    • 1,740 Sq Ft

    12145 SW 249th St, Homestead, FL 33032

    Beautiful and move-in ready home built in 2018 in a desirable Homestead location. This well-maintained property features impact windows, a newer A/C system (less than one year old), new appliances, and updated kitchen cabinetry. The home has been freshly painted, offering a clean and modern feel throughout. The converted garage provides valuable additional living space and can be used as a 5th

    Rafael Sanchez Dream Realty Group Corp

    12145 SW 249th St, Homestead, FL 33032
  • /30

    $689,900

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

    16101 SW 281st St, Homestead, FL 33033

    26,500 LOT. Impeccably maintained beautiful Ranch Style, one-story single-family, 4 bedrooms, 2.5 remodeled bathrooms, spacious closets, tile & vinyl flooring throughout, and a remodeled kitchen with stainless steel appliances. New AC installed 08/2022. Roof replaced 2015. Large family room with French doors that lead to a breathtaking backyard oasis, 7 fruit trees, garden stations, an oversized

    Gladys Zepeda Prestige Properties Internatio

    16101 SW 281st St, Homestead, FL 33033
  • /74

    $355,000

    $5K PRICE DROP
    • 4 Beds
    • 2 Baths
    • 1,116 Sq Ft

    738 SW 7th Terrace, Homestead, FL 33034

    Welcome to this beautifully maintained 4-bedroom, 2-bathroom home in the desirable Villas of Palm Bay community in Homestead. Move-in ready and thoughtfully updated, this one-story residence features a new roof and A/C installed in 2023, offering added value and peace of mind. Situated on a spacious 5,000-square-foot fenced lot, the property provides plenty of outdoor space for entertaining,

    Jonathan Vargas Luciano Keller Williams Dedicated Professionals

    738 SW 7th Terrace, Homestead, FL 33034
  • /36

    $505,000

    $45K PRICE DROP
    • 3 Beds
    • 2 Baths
    • 1,292 Sq Ft

    15120 SW 296th St, Homestead, FL 33033

    Experience comfort and modern living in this well-maintained single-family residence ideally located in Homestead. This 3-bedroom, 2-bathroom single-story home offers a functional open layout with spacious living areas, tile flooring throughout, and a thoughtfully designed floor plan that provides both comfort and practicality. Impact windows and doors offer enhanced storm protection, improved

    Julia Piazza Breo Realty LLC

    15120 SW 296th St, Homestead, FL 33033
  • /13

    $195,000

    • 1 Bed
    • 1.5 Baths
    • 920 Sq Ft

    28133 SW 142nd Ct, Homestead, FL 33033

    BRING BULK OFFERS!! COURT ORDERED SALE - (7) TOWNHOMES IN THE SEAPINES COMMUNITY IN HOMESTEAD. ALL 7 UNITS UNITS WILL BE SOLD IN BULK. COUNTY PROPERTY APPRAISER UNIT INFO: (4) 1BD / 1.5BA / 920 SF AND (3) 3BD / 2BA / 1200 SF. THE 1 BEDROOM UNITS MAY HAVE 2 BEDROOMS AS THE OTHER UNITS IN THE COMMUNITY WITH 920 SF SHOW AS 2 BEDROOMS IN THE MLS. CHECK ATTACHMENTS FOR UNIT LIST AND DRAFT PURCHASE

    Jason Welt Trustee Realty Inc.

    28133 SW 142nd Ct, Homestead, FL 33033
  • /14

    $295,000

    • 2 Beds
    • 2 Baths
    • 875 Sq Ft

    70 SW 14th Terrace, Homestead, FL 33030

    Well-maintained, fee-simple one-story villa featuring 2 bedrooms and 2 full bathrooms with a lot-and-block legal description and a low association fee of only $75 per month. The home offers impact-resistant windows, sliding glass door and front entry door. Interior features include fresh paint, new closet doors, tile flooring throughout, and comfortable living and dining areas. The kitchen offers

    Luis Badillo Keller Williams Realty Premier Properties

    70 SW 14th Terrace, Homestead, FL 33030
  • /39

    $432,000

    • 3 Beds
    • 2 Baths
    • 1,336 Sq Ft

    2065 SE 14th St, Homestead, FL 33035

    Cozy single- family home in Shores at Keys Gate community located in Homestead. This property has 3 bedrooms, 2 bath, one car garage, parking lot with a plenty space for 3 cars outside. enjoy beautiful private backyard with roof and BBQ area, perfect for entertaining or relaxing. Gourmet updated kitchen, year 2023 with high cabinets and crown molding, thermofoil doors, color frosty white. Top

    Aura Corser Realty World Executive Homes

    2065 SE 14th St, Homestead, FL 33035
  • /18

    $550,000

    $100K PRICE DROP
    • 3 Beds
    • 2 Baths
    • 1,252 Sq Ft

    17255 SW 302nd St, Homestead, FL 33030

    Welcome to this beautifully updated 3-bedroom, 2-bathroom home. From the moment you arrive, you’ll be captivated by the spacious layout and modern upgrades throughout. The home features a brand-new, fully remodeled kitchen with sleek finishes and top-of-the-line appliances, perfect for both everyday living and entertaining. Step outside and enjoy the expansive backyard, offering plenty of room

    Yelamy Cancio Prime Agent Group, LLC.

    17255 SW 302nd St, Homestead, FL 33030
  • /19

    $713,290

    New Construction $14K PRICE DROP
    • 4 Beds
    • 3 Baths
    • 2,217 Sq Ft

    2505 SE 29th Dr, Homestead, FL 33035

    A Next Gen single-story plan, this spacious home features an attached private suite with its own living room, kitchenette, bedroom and bathroom. In the main home is a formal living and dining room, while down the hallway is the open-concept kitchen with a center island arranged to overlook the family room. At the opposite side of the home are two secondary bedrooms and the luxurious owner’s suite

    Lennar Builder
    2505 SE 29th Dr, Homestead, FL 33035
  • /16

    $575,000

    • 3 Beds
    • 2 Baths
    • 1,805 Sq Ft

    1676 S Goldeneye Ln, Homestead, FL 33035

    FALL IN LOVE WITH LAKEFRONT LIVING! Imagine waking up to peaceful lake views, enjoying your morning coffee by the pool, and ending the day entertaining family and friends in your own private outdoor oasis. This beautiful one-story 3-bedroom, 2-bathroom home offers 1,805 sq. ft. of comfortable living space, spacious rooms, an updated kitchen and bathrooms, new flooring throughout, and a 2-car

    Patricia Tracey A R E A Arise Real Estate Advi

    1676 S Goldeneye Ln, Homestead, FL 33035
  • /35

    $450,000

    • 4 Beds
    • 2.5 Baths
    • 1,535 Sq Ft

    3124 SE 2nd Dr, Homestead, FL 33033

    Welcome to your stunning, move-in-ready home in the sought-after Leeward Isles community! Built in 2017, this impeccably maintained 4-bedroom, 2-bathroom residence offers modern living at its finest with updated electrical, plumbing, and structural systems. You will love the open-concept layout, featuring a spacious kitchen with a large center island—perfect for entertaining. Enjoy the beautiful

    Felipe Guifarro Ahmanteri Realty Group

    3124 SE 2nd Dr, Homestead, FL 33033
  • /29

    $1,350,000

    New Construction $150K PRICE INCREASE
    • 5 Beds
    • 4.5 Baths
    • 3,384 Sq Ft

    17277 SW 288th St, Homestead, FL 33030

    Stunning modern CBS luxury new construction featuring a sleek flat TPO roof, hurricane-impact windows and doors, and a concrete-built, storm-hardened/bunker-style structure for maximum durability and protection. Situated on a spacious 17,025 sq ft lot, this property showcases a sealed and polished driveway with turf accents, a double car garage, and professionally landscaped grounds with

    Olga Adrian Adrian Homes Realty

    17277 SW 288th St, Homestead, FL 33030
  • /11

    $549,790

    New Construction $49K PRICE DROP
    • 3 Beds
    • 2.5 Baths
    • 1,732 Sq Ft

    19519 SW 337th Terrace, Homestead, FL 33034

    This low-maintenance single-story home features impact-resistant windows and a convenient open layout arranged between the Great Room, kitchen and dining areas to promote seamless transitions between spaces. Situated off the foyer are two secondary bedrooms to provide a restful haven, while the owner’s suite with a full-sized bathroom can be found nestled at the back of the home. Plus, a two-car

    Lennar Builder
    19519 SW 337th Terrace, Homestead, FL 33034
  • /26

    $449,000

    $15K PRICE DROP
    • 3 Beds
    • 2 Baths
    • 1,454 Sq Ft

    110 NE 9th Ct, Homestead, FL 33030

    Step into this beautifully designed 3bed 2 bathroom home offering a spacious, open-concept layout perfect for modern living. The bright and airy interiors flow seamlessly, ideal for both family time and entertaining guests. Step outside to an expansive backyard, perfect for outdoor gatherings, gardening, or enjoying Florida’s year-round sunshine. Located near schools, parks, and shopping, this

    Thalia Caro Realty One Group Royal Oaks

    110 NE 9th Ct, Homestead, FL 33030
  • /41

    $765,000

    • 3 Beds
    • 3 Baths
    • 1,696 Sq Ft

    32106 SW 206th Ave, Homestead, FL 33030

    Experience the perfect blend of luxury, privacy, and modern design in this exceptional custom-built residence, completed in 2023. Offering 3 bedrooms and 3 bathrooms, this beautifully crafted home features an open-concept floor plan, soaring ceilings, oversized porcelain tile flooring, and premium finishes throughout.The designer kitchen is the centerpiece of the home, complete with quartz

    32106 SW 206th Ave, Homestead, FL 33030
  • /8

    $245,000

    $15K PRICE DROP
    • 2 Beds
    • 2.5 Baths
    • 1,065 Sq Ft

    2322 SE 23rd Ave Unit 2322, Homestead, FL 33035

    Townhome in gated community of Towngate! This charming townhome offers 2 spacious upstairs bedrooms, each with its own private bathroom and a convenient half bath downstairs for guests. Start your mornings with coffee or unwind after a long day on the private patio overlooking the peaceful lake. Enjoy the security and convenience of a 24-hour guarded gate, plus added value with association fees

    Alisa McPheron The Keyes Company

    2322 SE 23rd Ave Unit 2322, Homestead, FL 33035
  • /31

    $755,990

    • 5 Beds
    • 3 Baths
    • 1,730 Sq Ft

    27665 SW 163rd Ave, Homestead, FL 33031

    Amazing house five bedroom Three-bathroom, Living SQ FT 1,730 Lote size 15,196 Sf home with pool. This property completely upgraded, tiled floors, all rooms with full beds, driveway for 10 cars or more, spacious lighted living and dining room areas, open kitchen style , with quartz countertops, breakfast area and top of the line stainless steel appliances and a BIG patio. Professionally

    27665 SW 163rd Ave, Homestead, FL 33031
  • /49

    $1,799,000

    • 5 Beds
    • 3 Baths
    • 2,863 Sq Ft

    17575 SW 280th St, Homestead, FL 33031

    New Construction,Have fun with the whole family at this stylish redlands ranch. Amazing house five bedroom Three bathroom 1 acre home with pool and tiki bar .This is a marvelous NEW property completely upgraded, tiled floors, high ceilings, all rooms with double beds and Tvs, outside front porche, Cochera porte, driveway for 10 cars, spacious lighted living and dining room areas, open kitchen

    andy zamudio Easy Real Estate USA

    17575 SW 280th St, Homestead, FL 33031
  • /12

    $65,000

    • 2 Beds
    • 1 Bath

    451 SE 8th St Unit lot 56, Homestead, FL 33030

    Well-maintained mobile home featuring a nice patio and a convenient 2 bedrooms and 1 bathroom. Comfortable living space with additional room for guests, family, or storage. Convenient Homestead location close to shopping, Additional parking available, dining, schools, and major roadways.

    Giovanni Campos RE/MAX Advance Realty II

    451 SE 8th St Unit lot 56, Homestead, FL 33030
  • /24

    $1,799,000

    $496K PRICE DROP
    • 4 Beds
    • 2 Baths
    • 2,980 Sq Ft

    18001 SW 285th St, Homestead, FL 33030

    *MOTIVATED SELLER!* BEAUTIFULLY LOCATED HOME ON 2+ ACRES IN THE REDLAND. 4 BEDS 2 BATH WITH EXTRA ROOM ATTACHED TO SCREENED PATIO. FULLY AIR-CONDITIONED DETACHED 3 CAR GARAGE/WORKSHOP. ATTACHED GARAGE FOR ADDITIONAL CAR AS WELL! LARGE POOL WITH SCREEN ENCLOSURE MAKES FOR A PERFECT ENTERTAINMENT AREA. SPACE FOR A HORSE OR TWO! FULLY FENCED BACK YARD. LOVELY LANDSCAPING. NO HOA!!!

    Carla Alger Alger Properties South,LLC

    18001 SW 285th St, Homestead, FL 33030
  • /58

    $1,349,000

    $101K PRICE DROP
    • 5 Beds
    • 3 Baths
    • 2,785 Sq Ft

    19280 SW 304th St, Homestead, FL 33030

    Welcome to this beautifully maintained 5-bedroom, 3-bathroom estate, perfectly situated on 2.5 acres of land. The home features high ceilings, impact windows, and updated bathrooms throughout. Outside, you’ll find your very own private oasis, a large, sparkling pool, and a screened-in patio. The property also includes a barn, a large storage room, and is surrounded by exotic and fruit trees that

    Joy Orellana Luxe Properties

    19280 SW 304th St, Homestead, FL 33030
  • /33

    $598,999

    • 4 Beds
    • 3 Baths
    • 2,025 Sq Ft

    27 NE 18th St, Homestead, FL 33030

    Welcome to this lovely 4-bedroom, 3-bathroom single-family residence located in Homestead, FL. Keep in mind, one of the rooms has been converted to a complete efficiency; however, very easy to revert. Spanning 2,025 square feet of finished living space on one story, this home offers comfortable proportions for modern living. The thoughtful layout provides ample accommodation with multiple

    Jamie Gibbons Young-Hernandez Realty, LLC

    27 NE 18th St, Homestead, FL 33030
  • /14

    $225,000

    • 2 Beds
    • 1 Bath
    • 600 Sq Ft

    722 SW 3rd Ave, Homestead, FL 33030

    2/1 House. Great investment opportunity in the Homestead area. Only 30 mins drive to the Florida Keys. House needs some TLC but has a lot of potential. Property is currently rented. Cash only!

    Javier Rodriguez Xcellence

    722 SW 3rd Ave, Homestead, FL 33030
  • /23

    $195,000

    $4K PRICE DROP
    • 2 Beds
    • 1.5 Baths
    • 960 Sq Ft

    1021 Adams Ave Unit 1021F, Homestead, FL 33034

    Take a look at this 1st floor unit with almost brand new kitchen and bathrooms! Tile floor through-out, no carpet! Enjoy the screened in patio with lake view!, Centrally located close to shops, schools, and Roscoe Warren Park. This gated community has it all. Low Hoa and it can be rented immediately.

    1021 Adams Ave Unit 1021F, Homestead, FL 33034
  • /46

    $624,900

    • 4 Beds
    • 2 Baths
    • 1,834 Sq Ft

    28381 SW 128th Place, Homestead, FL 33033

    Welcome to this beautifully maintained 4-bedroom, 2-bathroom single-family home situated on a spacious corner lot in one of Homestead's most desirable neighborhoods, with no association. Built in 2015, this move-in ready residence offers the perfect combination of comfort, functionality, and outdoor living with NO HOA. The open-concept floor plan features high ceilings, abundant natural light, a

    Alejandro Del Valle Maverick Realty Group

    28381 SW 128th Place, Homestead, FL 33033
  • /58

    $610,000

    • 3 Beds
    • 2 Baths
    • 1,356 Sq Ft

    26610 SW 138th Ave, Homestead, FL 33032

    This opportunity could change everything...This property has it ALL:? Main house: 3 bedrooms / 2 bathrooms? Separate unit: 3 bed / 1 bath ??? Generates approx. $1,800/month ???? That income can cover a large portion of your monthly payment... or start generating cash flow from day one.Perfect for: ?? First-time homebuyers?? Smart investors?? Families looking for extra income?? Located in a prime

    Sandy Ramirez Florida Realty of Miami Corp

    26610 SW 138th Ave, Homestead, FL 33032
  • /2

    $759,990

    New Construction
    • 4 Beds
    • 3 Baths
    • 1,922 Sq Ft

    29613 SW 194 Ct, Homestead, FL 33030

    Pre-construction specials!Pre-Construction: Jennifer Introducing Jennifer — a striking custom home featuring 4 bedrooms, 3 bathrooms, and 2,608 square feet of modern living space. This elegant residence boasts a spacious open floor plan with seamless flow between bright living areas, ideal for everyday comfort and entertaining. Unlike cookie-cutter homes, these are true custom residences where we

    Reynaldo Gonzalez Malibu Bay Realty

    29613 SW 194 Ct, Homestead, FL 33030

Showing Results 481 - 520, Page 13 of 14

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