362

Homes for Sale in 32219

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  • /6

    $261,990

    New Construction $5K PRICE DROP
    • 3 Beds
    • 2.5 Baths
    • 1,580 Sq Ft

    9767 Harper Village Cir, Jacksonville, FL 32219

    This townhome unit has an open first floor with a spacious kitchen and great room. Upstairs secondary bedrooms have direct access to the full bath. Primary suite has an oversized walk-in closet, standing shower and dual sinks in the bath.

    Meritage Homes Builder
    9767 Harper Village Cir, Jacksonville, FL 32219
  • /13

    $319,990

    New Construction
    • 3 Beds
    • 2 Baths
    • 1,695 Sq Ft

    7329 Everett Forest Dr, Jacksonville, FL 32219

    Configure the flex room in the front to fit your lifestyle - an at home office space or a hobby space. Past the foyer, the open kitchen flows to the dining space, great room and outside lanai. The private primary suite offers a spacious area to relax.

    Meritage Homes Builder
    7329 Everett Forest Dr, Jacksonville, FL 32219
  • /26

    $305,000

    New Construction Open Fri 12PM - 4PM $7K PRICE DROP
    • 4 Beds
    • 2 Baths
    • 1,711 Sq Ft

    8381 Helmsley Blvd, Jacksonville, FL 32219

    CLOSEOUT! Move In Ready! Only a Few homes Remaining! Homes in Summerglen offer an opportunity to own new construction in Jacksonville's Northside with no annual CDD fees, saving homeowners approximately $2,600+ per year compared to nearby communities with high CDD costs, improving long-term affordability. Located near Jacksonville International Airport, River City Marketplace, and major commuter

    Stephanie Foster ADAMS HOMES REALTY INC

    8381 Helmsley Blvd, Jacksonville, FL 32219
  • /28

    $282,400

    New Construction
    • 4 Beds
    • 2 Baths
    • 1,609 Sq Ft

    HARPER+ Plan at Copes Landing, Jacksonville, FL 32219

    Meet our beautifully designed one-story home called the Harper+, offering 1,609 square feet, 4 bedrooms, 2 bathrooms, and a 2-car garage. The Harper+ combines open concept living, with plenty of windows and a vaulted ceiling in the main living areas, which create a bright and welcoming atmosphere. It is a comfortable space all on one convenient level. This single-story floorplan is ideal for

    D.R. Horton Builder
    5568 Hollow Birch Dr Unit 40613787, Jacksonville, FL 32219
  • /2

    $40,000

    • Land
    • 4,356 Sq Ft
    • $400,000 per Acre

    5903 Dunmire Ave, Jacksonville, FL 32219

    TWO Vacant Buildable lots READY TO GO side by side 5903 DUNMIRE AVE. (RE#022324 -0005) 0 DUNMIRE AVE (RE#022324-0020)Each lot 0.18 acres. Clear and ready to build. Great location in an established, quiet neighborhood within less than a few minutes to downtown Jax and River City Market Place. Please refer to offer instructions before submitting an offer. ****REALTOR AND SELLER ARE

    Shuwan Goodman SG REALTY TEAM LLC

    5903 Dunmire Ave, Jacksonville, FL 32219
  • /7

    $259,990

    New Construction $4K PRICE DROP
    • 3 Beds
    • 2.5 Baths
    • 1,580 Sq Ft

    9735 Harper Village Cir, Jacksonville, FL 32219

    This villa has an open first floor with a spacious kitchen and great room. Upstairs secondary bedrooms have direct access to the full bath. Primary suite has an oversized walk-in closet, standing shower and dual sinks in the bath.

    Meritage Homes Builder
    9735 Harper Village Cir, Jacksonville, FL 32219
  • /6

    $294,990

    New Construction $2K PRICE DROP
    • 3 Beds
    • 2 Baths
    • 1,427 Sq Ft

    10663 Lishwood Way, Jacksonville, FL 32219

    The Archer floorplan offers and open-concept living space that combines the kitchen, great room and dining area. Enjoy the privacy of the primary suite tucked in the back of the home.

    Meritage Homes Builder
    10663 Lishwood Way, Jacksonville, FL 32219
  • /22

    $319,900

    New Construction
    • 3 Beds
    • 2 Baths
    • 1,604 Sq Ft

    6975 Canoe Birch Rd, Jacksonville, FL 32219

    Brand-new 3 bed, 2 bath home in the desirable Westport Landing community! The Halifax by LGI Homes features an ideal open layout with spacious living areas, a covered patio, and a 2-car garage. You'll love the inviting entertainment space and modern kitchen with stainless steel Whirlpool® appliances, perfect for cooking and hosting. The private owner's suite offers an en-suite bathroom and an

    GAYLE VAN WAGENEN LGI REALTY - FLORIDA, LLC

    6975 Canoe Birch Rd, Jacksonville, FL 32219
  • /6

    $89,999

    $7K PRICE DROP
    • Land
    • 1.31 Acres
    • $68,702 per Acre

    11157 Saddle Club Dr, Jacksonville, FL 32219

    Serene lot to build your customized dream home. Situated on 1.3 acres in a gated community.

    ERICA POSTWAY UNITED REAL ESTATE GALLERY

    11157 Saddle Club Dr, Jacksonville, FL 32219
  • /56

    $675,000

    $25K PRICE DROP
    • 4 Beds
    • 3 Baths
    • 3,120 Sq Ft

    11230 Saddle Crest Way, Jacksonville, FL 32219

    Welcome to refined country living in the prestigious Jacksonville Ranch Club II, a private and gated equestrian community. Situated on a 1.12-acre lot, this beautifully designed 4-bedroom, 3-bathroom home offers 3,120 square feet of elegant living space. High ceilings and luxury vinyl plank flooring create a bright, open feel throughout.The kitchen features brand-new appliances, abundant

    Tiffany Riley MOMENTUM REALTY

    11230 Saddle Crest Way, Jacksonville, FL 32219
  • /21

    $214,990

    New Construction
    • 3 Beds
    • 2.5 Baths
    • 1,201 Sq Ft

    6425 Beryl St, Jacksonville, FL 32219

    Welcome to your dream home! This stunning BRAND NEW, two story home offers 3 bedrooms and 2.5 bathrooms. With NO HOA or CDD fees, welcome to a low maintenance lifestyle. Step inside this beautifully designed home, where a spacious living area seamlessly flows into a modern kitchen featuring brand new stainless steel appliances, sleek shaker cabinets, and an open view of the inviting dining space.

    JACQUELYN SCOTT REAL BROKER LLC

    6425 Beryl St, Jacksonville, FL 32219
  • /27

    $282,400

    New Construction
    • 3 Beds
    • 2 Baths
    • 1,287 Sq Ft

    ARCHER Plan at Copes Landing, Jacksonville, FL 32219

    Meet the Archer, a beautifully designed new one-story home offering 1,287 square feet offering the perfect blend of comfort and functionality. With 3 bedrooms, 2 bathrooms, and a 2-car garage, this floor plan delivers the perfect balance of open-concept living and private retreat. The heart of the home features a seamless flow between the kitchen, dining area, and gathering room, creating one

    D.R. Horton Builder
    5568 Hollow Birch Dr Unit 37768865, Jacksonville, FL 32219
  • /6

    $468,990

    New Construction $4K PRICE INCREASE
    • 4 Beds
    • 3.5 Baths
    • 2,834 Sq Ft

    6439 Rein Ave, Jacksonville, FL 32219

    Under construction: Ready October 2026!NO CDD FEES! This neighborhood is truly one-of-a-kind!Welcome to the Marshlight floor plan by Lennar, a beautifully designed two-story home offering a spacious and functional layout with the convenience of a main-level owner's suite, complete with a private full bathroom and walk-in closet. The stylish kitchen flows seamlessly into the café

    JENNIFER SMART LENNAR REALTY INC

    6439 Rein Ave, Jacksonville, FL 32219
  • /28

    $325,000

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

    6799 Langford St, Jacksonville, FL 32219

    Do not miss this amazing opportunity to own a home in The Villages of Westport. This home features solar power for most of the home with the solar also powering a back up system in case of power outages. This home boast New roof May 2025, three nicely sized bedrooms,and an oversized master suite, 4 bedrooms in total, interior laundry room, open concept kitchen, living dining area overlooking the

    Karen Monti-Mather I ON REAL ESTATE & INVESTMENTS

    6799 Langford St, Jacksonville, FL 32219
  • /2

    $2,500,000

    • 14 Beds
    • 5,529 Sq Ft

    6703 Old Kings Rd, Jacksonville, FL 32219

    PRIME PROPERTY available and located in Northwest Jacksonville, FL with easy access to I-295 and Pritchard Road. The approximate 10.13 acres is currently surrounded by commercial properties and can be assembled with two additional properties also for sale separately. Ideal investment opportunities are endless and may require rezoning. Potential Trucking/Industrial Warehouse space are just a few

    Patty Terry MAXREV, LLC

    6703 Old Kings Rd, Jacksonville, FL 32219
  • /25

    $370,895

    New Construction
    • 5 Beds
    • 3 Baths
    • 2,030 Sq Ft

    12218 Copper Mallard Place, Jacksonville, FL 32219

    Introducing the Lakeside+ by D.R. Horton a spacious and thoughtfully designed one-story home offering 2,030 square feet of comfortable living. With 5 bedrooms, 3 bathrooms, and a 2-car garage, this floor plan is ideal for large families or multigenerational households needing both space and functionality.At the heart of the home, the open-concept layout with plenty of windows creates the

    D.R. Horton Builder
    12218 Copper Mallard Place, Jacksonville, FL 32219
  • /18

    $430,900

    New Construction $6K PRICE DROP
    • 4 Beds
    • 3 Baths
    • 2,336 Sq Ft

    6909 Big Juniper Ct, Jacksonville, FL 32219

    The stunning Ponte Vedra floor plan by LGI Homes is now available in the beautiful city of Palm Coast. This spacious one-story home features an open-concept design with 4 bedrooms, 3 full baths, and a 3-car garage, offering plenty of room for families of all sizes. Designed for modern living, the Ponte Vedra comes fully equipped with energy-efficient Whirlpool® appliances, luxurious quartz

    GAYLE VAN WAGENEN LGI REALTY - FLORIDA, LLC

    6909 Big Juniper Ct, Jacksonville, FL 32219
  • /43

    $299,000

    • 3 Beds
    • 2 Baths
    • 1,800 Sq Ft

    11640 Cisco Gardens Rd N, Jacksonville, FL 32219

    Discover the possibilities at this 3-bedroom, 2-bath home nestled on 2.9 acres of agriculturally zoned land. Inside, the beautiful white kitchen features stainless-steel appliances and opens seamlessly to the spacious family room, creating a welcoming layout for everyday living and entertaining. A charming brick fireplace adds warmth and character to the family room.With nearly 3 acres to

    ROLA DeLAMIELLEURE BERKSHIRE HATHAWAY HOMESERVICES FLORIDA NETWORK REALTY

    11640 Cisco Gardens Rd N, Jacksonville, FL 32219
  • /7

    $215,000

    • Land
    • 7.14 Acres
    • $30,112 per Acre

    11068 Blazing Ridge Ct, Jacksonville, FL 32219

    Discover the perfect blend of country charm and city convenience with this 7.14-acre lot in the prestigious Jacksonville Ranch Club. Located on a cul-de-sac, this property offers 0.64 acres of upland area and backs up to a conservation area, ensuring privacy and tranquility. This gated, deed-restricted equestrian community features riding trails, bridle paths, a horse arena, and scenic lakes.

    THOMAS MATTOX VENTURE REALTY CO, LLC

    11068 Blazing Ridge Ct, Jacksonville, FL 32219
  • /20

    $413,900

    New Construction $9K PRICE DROP
    • 4 Beds
    • 2 Baths
    • 2,063 Sq Ft

    6903 Big Juniper Ct, Jacksonville, FL 32219

    Discover The Leland: A Serene Retreat in Westport Landing! This brand-new LGI Home offers 3 bedrooms, 2 baths, and a stunning design. Nestled on a private lot backed by a preserve, it provides the perfect blend of peace and modern living. Inside, the open family area welcomes unforgettable memories. The kitchen is a chef's dream, complete with a spacious island and stainless-steel appliances. The

    GAYLE VAN WAGENEN LGI REALTY - FLORIDA, LLC

    6903 Big Juniper Ct, Jacksonville, FL 32219
  • /20

    $408,900

    New Construction
    • 4 Beds
    • 2 Baths
    • 2,063 Sq Ft

    12518 Big Juniper Dr, Jacksonville, FL 32219

    Discover The Leland: A Serene Retreat in Westport Landing! This brand-new LGI Home offers 3 bedrooms, 2 baths, and a stunning design. Nestled on a private lot backed by a preserve, it provides the perfect blend of peace and modern living. Inside, the open family area welcomes unforgettable memories. The kitchen is a chef's dream, complete with a spacious island and stainless-steel appliances. The

    GAYLE VAN WAGENEN LGI REALTY - FLORIDA, LLC

    12518 Big Juniper Dr, Jacksonville, FL 32219
  • /18

    $316,490

    New Construction
    • 3 Beds
    • 2 Baths
    • 1,763 Sq Ft

    Hawking Plan at Trout River Gardens, Jacksonville, FL 32219

    Entering from the front porch, you step into the foyer, where two bedrooms greet you at the front of the home—each featuring a walk-in closet and sharing a full bath. As you continue down the hallway, you'll pass a coat closet, the laundry room, and access to the two-car garage. The layout then opens into the kitchen, family room, and dining area, creating a welcoming space for everyday living. A

    Starlight Homes Builder
    6119 Splendora Ln Unit 38835242, Jacksonville, FL 32219
  • /18

    $392,902

    New Construction
    • 4 Beds
    • 2.5 Baths
    • 2,271 Sq Ft

    8274 Weather Staff Ct, Jacksonville, FL 32219

    Welcome to the Eagle at 8274 Weather Staff Court in Coopers Meadow! Designed for both comfort and connection, this thoughtfully crafted new home features an inviting layout where the great room, dining area, and kitchen come together seamlessly. Upstairs, a spacious loft offers flexibility, while the private primary suite provides a relaxing retreat with a generous walk-in closet and spacious

    Taylor Morrison Builder
    8274 Weather Staff Ct, Jacksonville, FL 32219
  • /19

    $308,990

    New Construction $32K PRICE DROP
    • 4 Beds
    • 3 Baths
    • 2,172 Sq Ft

    6201 Mare Ave, Jacksonville, FL 32219

    Under Construction: Ready October 2026!Welcome to the Celeste by Lennar Homes, offering 4 bedrooms, 2 bathrooms, and a 2-car garage. This home showcases Lennar's signature Everything's Included package with 42'' white cabinets, elegant white quartz kitchen countertops, and quartz vanities. The kitchen is equipped with a full suite of Frigidaire stainless steel appliances (range,

    JENNIFER SMART LENNAR REALTY INC

    6201 Mare Ave, Jacksonville, FL 32219
  • /3

    $370,000

    • 5 Beds
    • 2 Baths
    • 2,240 Sq Ft

    6708 Old Kings Rd, Jacksonville, FL 32219

    PRIME PROPERTY available and located in Northwest Jacksonville, FL with easy access to I-295 and Pritchard Road. The approximate 1.49 acres is currently surrounded by commercial properties. Ideal investment opportunities are endless and will require rezoning. Potential Trucking/Industrial Warehouse space are just a few to consider. Buildings are assigned no value.Property is zoned

    Patty Terry MAXREV, LLC

    6708 Old Kings Rd, Jacksonville, FL 32219
  • /23

    $305,000

    New Construction Open Fri 12PM - 4PM $8K PRICE DROP
    • 4 Beds
    • 2 Baths
    • 1,711 Sq Ft

    8309 Helmsley Blvd, Jacksonville, FL 32219

    CLOSEOUT! Move In Ready! Only a Few homes Remaining! Homes in Summerglen offer an opportunity to own new construction in Jacksonville's Northside with no annual CDD fees, saving homeowners approximately $2,600+ per year compared to nearby communities with high CDD costs, improving long-term affordability. Located near Jacksonville International Airport, River City Marketplace, and major highways,

    Stephanie Foster ADAMS HOMES REALTY INC

    8309 Helmsley Blvd, Jacksonville, FL 32219
  • /19

    $254,990

    New Construction
    • 3 Beds
    • 2 Baths
    • 1,209 Sq Ft

    7962 Shrike Ave, Jacksonville, FL 32219

    BRAND NEW CONSTRUCTION - CALL TODAY TO LEARN ABOUT AVAILABLE BUILDER INCENTIVES!! Flight Homes presents the Goggins model, featuring 3 bedrooms, 2 bathrooms all complemented by gorgeous upgrades throughout offering modern living space in the heart of Jacksonville. Situated on just under a quarter-acre lot, on a quiet street this home features an open-concept floor plan that's perfect for

    MERCEDES ST GEORGE REAL BROKER LLC

    7962 Shrike Ave, Jacksonville, FL 32219
  • /26

    $95,000

    • 3 Beds
    • 1.5 Baths
    • 984 Sq Ft

    5568 Gilchrist Rd, Jacksonville, FL 32219

    Investor opportunity in a great Jacksonville location near the Little Trout River! Situated on a spacious lot, this property offers excellent potential. With the right vision and some TLC, this home could be transformed into a standout property and a great addition to an investor's portfolio. The generous lot provides plenty of space for outdoor enjoyment, landscaping, or future improvements.

    Cheryl Kypreos HOMESMART

    5568 Gilchrist Rd, Jacksonville, FL 32219
  • /33

    $289,000

    $26K PRICE DROP
    • 4 Beds
    • 2 Baths
    • 1,856 Sq Ft

    6824 Hanford St, Jacksonville, FL 32219

    Imagine starting your mornings with a cup of coffee overlooking the peaceful pond as the sun comes up and the neighborhood slowly comes to life. Inside, the open floor plan keeps everyone connected, whether you're preparing dinner, helping with homework, or gathering with friends to watch the big game.The heart of this home is its inviting living space, where conversations flow easily and

    Carray Young NEXTHOME ENDLESS SUMMER

    6824 Hanford St, Jacksonville, FL 32219
  • /2

    $325,740

    New Construction
    • 4 Beds
    • 2 Baths
    • 1,827 Sq Ft

    6206 Peeples Ln, Jacksonville, FL 32219

    Come see this fabulous Starlight Home in Trout River Gardens. Conveniently located near I295, the Jacksonville International Airport, Employment Centers, and plenty of Dining and Grocery Store options. As you enter the home from extended front porch, you're welcomed into the foyer, were two bedrooms sit at the front of the home and share a full bath. Continuing down the hall, you'll find an

    ANASTASIA PRIZZIA ASHTON WOODS FLORIDA REALTY LLC

    6206 Peeples Ln, Jacksonville, FL 32219
  • /40

    $199,000

    • 3 Beds
    • 2 Baths
    • 1,394 Sq Ft

    7563 John F. Kennedy Dr W, Jacksonville, FL 32219

    This solid concrete block home offers plenty of space with 4 bedrooms and 2 bathrooms. The open floor plan features a kitchen overlooking the combined living and dining areas, creating a comfortable and functional layout. Split bedrooms provide added privacy, while the back porch offers additional space to relax or entertain. A large driveway provides plenty of parking, and two storage sheds

    Cheryl Booker HOME PLACE REALTY

    7563 John F. Kennedy Dr W, Jacksonville, FL 32219
  • /9

    $281,000

    • 3 Beds
    • 2 Baths
    • 1,711 Sq Ft

    12087 Green Thicket Ln, Jacksonville, FL 32219

    MOVE IN READY! Bright and spacious this 3 bedroom, 2 full bath home features vinyl and carpet flooring throughout, a kitchen with stainless steel appliances that opens up to the living room and a washer and dryer. Property is being sold ''As-Is'' with the right to inspect. Seller will make no repairs. Seller will not pay for or provide survey. This property may qualify for Seller Financing

    Peter Pestano ALFA REALTORS CORP

    12087 Green Thicket Ln, Jacksonville, FL 32219
  • /23

    $317,990

    New Construction
    • 3 Beds
    • 2 Baths
    • 1,763 Sq Ft

    6212 Peeples Ln, Jacksonville, FL 32219

    Entering from the front porch, you step into the foyer, where two bedrooms greet you at the front of the home—each featuring a walk-in closet and sharing a full bath. As you continue down the hallway, you'll pass a coat closet, the laundry room, and access to the two-car garage. The layout then opens into the kitchen, family room, and dining area, creating a welcoming space for everyday living. A

    Starlight Homes Builder
    6212 Peeples Ln, Jacksonville, FL 32219
  • /2

    $170,000

    • 4 Beds
    • 2 Baths
    • 1,705 Sq Ft

    12079 Grand Herring Way, Jacksonville, FL 32219

    ''SHORT SALE!! SHORT SALE!! Seller accepting CASH and Conventional financing ONLY!! Bankruptcy short sale will take about 120 days to get response on offer from lien holders. Come see this beautiful 4 bedroom 2 bath home with 1698 sq ft of living space.

    Naji Hassan 7 STAR REALTY, INC.

    12079 Grand Herring Way, Jacksonville, FL 32219
  • /15

    $110,000

    $20K PRICE DROP
    • 3 Beds
    • 2 Baths
    • 871 Sq Ft

    6426 Beryl St, Jacksonville, FL 32219

    Seller offering $1,000 toward Buyer's closing costs with acceptable offer. Like new, clean and move in ready 3 bedroom, 2 full bath, manufactured in 2021, mobile home on a nice lot! This beautiful home offers open concept family room and kitchen, good size kitchen with lots of cabinets and counter space, and vinyl flooring throughout. Outside you'll find a well maintained, partially fenced yard

    ANNETTE LARGE HERRON REAL ESTATE LLC

    6426 Beryl St, Jacksonville, FL 32219
  • /25

    $340,850

    New Construction
    • 4 Beds
    • 2 Baths
    • 1,774 Sq Ft

    5361 White Grove Ln, Jacksonville, FL 32219

    The Cali+ floor plan offers 1,774 square feet of thoughtfully designed living space with 4 bedrooms, 2 bathrooms, and a 2-car garage the perfect balance of comfort and functionality. This popular layout features a spacious open-concept design where the kitchen, dining area, and large vaulted ceiling gathering room all flow together seamlessly in one expansive space. With abundant natural light

    D.R. Horton Builder
    5361 White Grove Ln, Jacksonville, FL 32219
  • /17

    $295,000

    New Construction $19K PRICE DROP
    • 3 Beds
    • 2 Baths
    • 1,512 Sq Ft

    8223 Helmsley Blvd, Jacksonville, FL 32219

    ***HOT DEAL***Corner Lot Model Home in Summerglen offer an opportunity to own new construction in Jacksonville's Northside with no annual CDD fees, saving homeowners approximately $2,600+ per year compared to nearby communities with high CDD costs, helping reduce long-term housing expenses. Located near Jacksonville International Airport, River City Marketplace, and major commuter routes,

    Stephanie Foster ADAMS HOMES REALTY INC

    8223 Helmsley Blvd, Jacksonville, FL 32219
  • /25

    $215,430

    New Construction
    • 2 Beds
    • 2.5 Baths
    • 1,395 Sq Ft

    9197 Tender Ln, Jacksonville, FL 32219

    This inviting two-story interior townhome features 2 bedrooms, 2.5 baths, and a versatile loft space—perfect for a home office or additional living area. The open-concept main floor includes a spacious great room and a well-equipped kitchen with a convenient pantry, ideal for everyday living and entertaining. Upstairs, both bedrooms offer privacy, with the primary suite boasting a dual-sink

    Dream Finders Homes Builder
    9197 Tender Ln, Jacksonville, FL 32219
  • /2

    $210,000

    • 3 Beds
    • 2 Baths
    • 1,546 Sq Ft

    8005 Belsay Cir, Jacksonville, FL 32219

    SHORT SALE!! SHORT SALE!! ! Seller accepting CASH and Conventional financing ONLY!! Needs TLC. Bankruptcy short sale will take about 120 days to get response on offer from lien holders. 3 bedroom 2 bath home

    Naji Hassan 7 STAR REALTY, INC.

    8005 Belsay Cir, Jacksonville, FL 32219
  • /6

    $419,990

    New Construction $15K PRICE DROP
    • 5 Beds
    • 3 Baths
    • 2,584 Sq Ft

    6403 Rein Ave, Jacksonville, FL 32219

    Under construction: Ready October 2026!NO CDD FEES! This neighborhood is truly one-of-a-kind!Welcome to Lennar's Harborwalk floor plan, a thoughtfully designed single-story home offering comfort and low-maintenance living. The open-concept layout features a spacious kitchen, dining, and living area, with two bedrooms near the foyer and three additional bedrooms privately situated

    JENNIFER SMART LENNAR REALTY INC

    6403 Rein Ave, Jacksonville, FL 32219

Showing Results 281 - 320, Page 8 of 10

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