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Homes for Sale near Biscayne High School

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  • /37

    $133,385

    • 4 Beds
    • 2 Baths
    • 1,680 Sq Ft

    6875 Restlawn Dr, Jacksonville, FL 32208

    Short Sale. Short Sale Opportunity! This 4-bedroom, 2-bath home with a 1-car garage sits on a spacious 0.20-acre lot, offering plenty of room for outdoor entertaining, expansion, or creating your ideal backyard retreat. Conveniently located just 15 minutes from Downtown Jacksonville and 15 minutes from Jacksonville International Airport, making daily commutes and travel a breeze. Property is

    Patrick Haugabook STOFEL & ASSOCIATES REALTY

    6875 Restlawn Dr, Jacksonville, FL 32208
  • /15

    $879,900

    New Construction
    • 8 Beds
    • 8 Baths
    • 4,160 Sq Ft

    1510 Yelford Cir, Jacksonville, FL 32218

    Fully OCCUPIED Investment Opportunity!Brand new construction by Southern Impression Homes. Both units are currently occupied with leases in place, offering a property with established tenancy at the time of closing.This home may qualify for special financing, including a 3.75% interest rate (5.068% APR), along with two years of professional property management provided at no cost, subject

    KELLY HICKS SUNCOAST PROPERTY MANAGEMENT LLC

    1510 Yelford Cir, Jacksonville, FL 32218
  • /23

    $276,440

    New Construction
    • 3 Beds
    • 2.5 Baths
    • 1,492 Sq Ft

    5876 Victoria Creek Ln, Jacksonville, FL 32219

    This beautifully designed new construction villa called the Carson by D.R. Horton offering 1,492 square feet of low-maintenance living. This 3 bedroom, 2.5 bath home with a 1 car garage delivers modern style, smart functionality, and comfortable two-story living. The open-concept main floor is perfect for everyday life and entertaining. A spacious kitchen anchors the home, featuring ample

    D.R. Horton Builder
    5876 Victoria Creek Ln, Jacksonville, FL 32219
  • /32

    $225,000

    $15K PRICE DROP
    • 3 Beds
    • 2 Baths
    • 1,394 Sq Ft

    1546 Palmdale St, Jacksonville, FL 32208

    Beautifully renovated and move-in ready, this affordable 3-bedroom, 2-bath home offers a fantastic opportunity for buyers! Situated on a spacious corner lot with no HOA or CDD fees, this property features a desirable master suite and numerous modern upgrades throughout. Step inside to find new flooring and baseboards, a fully remodeled kitchen with stylish new cabinets, quartz countertops, and

    Candace O'Neal NEXT LEVEL REALTY OF FL, INC.

    1546 Palmdale St, Jacksonville, FL 32208
  • /16

    $245,000

    • 3 Beds
    • 2.5 Baths
    • 1,626 Sq Ft

    3215 Penny Cove Ln, Jacksonville, FL 32218

    This 3-bedroom, 2 1/2 bathroom townhome is practically brand new and move-in ready! Featuring sleek stainless steel appliances, granite counter tops, subway tile backsplash, and a modern open layout. This home offers both style and convenience. Nestled on a peaceful preserve lot, enjoy added privacy and scenic views right from your backyard. Don't miss this fantastic opportunity to own a

    DEWANYER (STACEY TAYLOR FLORIDA HOMES REALTY & MTG LLC

    3215 Penny Cove Ln, Jacksonville, FL 32218
  • /24

    $285,940

    New Construction
    • 3 Beds
    • 2.5 Baths
    • 1,504 Sq Ft

    12766 Geronimo Place, Jacksonville, FL 32218

    This beautifully designed new construction villa called the Carson by D.R. Horton offering 1,492 square feet of low-maintenance living. This 3 bedroom, 2.5 bath home with a 1 car garage delivers modern style, smart functionality, and comfortable two-story living. The open-concept main floor is perfect for everyday life and entertaining. A spacious kitchen anchors the home, featuring ample

    D.R. Horton Builder
    12766 Geronimo Place, Jacksonville, FL 32218
  • /40

    $403,990

    New Construction $4K PRICE INCREASE
    • 4 Beds
    • 3 Baths
    • 2,500 Sq Ft

    14335 Epply Dr, Jacksonville, FL 32218

    Welcome to 14335 Epply Drive in the desirable Cedar Creek community! Conveniently located near downtown Jacksonville, shopping, dining, and major highways, this beautifully designed Vero floor plan offers the space, style, and functionality today’s buyers are looking for. One of Dream Finders Homes’ largest and most popular plans, the Vero features a grand foyer entrance, an open-concept layout,

    Dream Finders Homes Builder
    14335 Epply Dr, Jacksonville, FL 32218
  • /27

    $190,000

    $15K PRICE DROP
    • 3 Beds
    • 1 Bath
    • 1,192 Sq Ft

    7342 Wilder Ave, Jacksonville, FL 32208

    This charming 3-bedroom, 1-bath residence has been thoughtfully updated, offering a fresh and modern feel while maintaining its inviting character. Inside, you'll find a bright and functional layout with stylish finishes throughout, making it move-in ready for its next owner. One of the standout features is the oversized Florida room, a versatile space that can easily serve as a playroom, den,

    Lauren McGuire MCGUIRE REALTY GROUP

    7342 Wilder Ave, Jacksonville, FL 32208
  • /25

    $338,350

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

    4154 Stika Pine Cir, Jacksonville, FL 32218

    Meet our beautifully designed one-story home, 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 growing

    D.R. Horton Builder
    4154 Stika Pine Cir, Jacksonville, FL 32218
  • /88

    $860,000

    • 3 Beds
    • 4 Baths
    • 2,506 Sq Ft

    1375 Cedar Bay Rd, Jacksonville, FL 32218

    Broward River Retreat with Private Dock & Creative Studio!Just listed on the Broward River! This one-of-a-kind 3BR/4BA riverfront home offers charm, privacy, water access, and exceptional flexibility. Built with timbers from Canada and handcrafted block brick, the home has a distinctive cottage-style character that feels like it could belong in the English countryside. Interior highlights

    Al Kekec ALTA REAL ESTATE GROUP

    1375 Cedar Bay Rd, Jacksonville, FL 32218
  • /15

    $304,900

    • 3 Beds
    • 2 Baths
    • 1,498 Sq Ft

    11427 Yellow Tail Ct, Jacksonville, FL 32218

    Welcome to this beautiful move-in ready three-bedroom, two-bathroom home with an attached two-car garage in the desirable Turtle Creek Village neighborhood. This home features a desirable open-concept floor plan that creates a seamless flow throughout the main living areas. The updated kitchen is a standout, boasting elegant granite countertops and modern stainless steel appliances. The flooring

    Robert Salmons ENTERA REALTY LLC

    11427 Yellow Tail Ct, Jacksonville, FL 32218
  • /20

    $219,900

    $20K PRICE DROP
    • 4 Beds
    • 1.5 Baths
    • 1,172 Sq Ft

    11325 Soforenko Dr, Jacksonville, FL 32218

    One or more photo(s) was virtually staged. Welcome home to wonderful neighborhood living in the highly desirable San Mateo community! This charming single-story residence features a highly functional layout. Inside, the bright space is adorned with modern LVP flooring for a sleek and clean look. The kitchen boasts premium granite countertops and sleek stainless steel appliances, perfect for meal

    Robert Salmons ENTERA REALTY LLC

    11325 Soforenko Dr, Jacksonville, FL 32218
  • /24

    $242,000

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

    2356 Brooklyn Rd, Jacksonville, FL 32209

    INCENTIVE - SELLER OFFERING $7,500 TO CC + A NEW W/D AT LIST PRICE. [ASK ABOUT AVAILABLE LOAN PROGRAM OFFERING UP TO $12,500 IN ASSISTANCE, HELPING MAKE HOMEOWNERSHIP MORE AFFORDABLE FOR QUALIFIED BUYERS] Now introducing the beautifully designed Aven Floor Plan: A Brand NEW Construction home offering modern comfort, quality craftsmanship & exceptional value, and a FENCED IN backyard! This

    Daniel Danyus JWB REALTY LLC

    2356 Brooklyn Rd, Jacksonville, FL 32209
  • /41

    $370,000

    $10K PRICE DROP
    • 4 Beds
    • 3 Baths
    • 2,740 Sq Ft

    5645 Hampton Creek Rd, Jacksonville, FL 32218

    Built in 2020, this stunning 2,700-square-foot single family home offers incredible value and modern elegance. Third garage bay extension for storage and projects. The open-concept main floor features a spacious living room and dining area anchored by a chef-inspired kitchen with updated cabinets, an oversized granite island, and a custom-organized pantry. A versatile flex room provides the

    Wendy Hughes KELLER WILLIAMS REALTY ATLANTIC PARTNERS SOUTHSIDE

    5645 Hampton Creek Rd, Jacksonville, FL 32218
  • /13

    $392,990

    New Construction $5K PRICE DROP
    • 4 Beds
    • 3 Baths
    • 2,181 Sq Ft

    3011 Harden Dr, Jacksonville, FL 32218

    This home features a long foyer and a large laundry room, providing plenty of easily accessible storage. An open kitchen overlooks a spacious great room and dining area. Enjoy entertaining or relaxing on the covered lanai.

    Meritage Homes Builder
    3011 Harden Dr, Jacksonville, FL 32218
  • /21

    $130,000

    • 3 Beds
    • 1 Bath
    • 828 Sq Ft

    3622 Ardisia Rd N, Jacksonville, FL 32209

    This beautifully renovated 3-bedroom, 1-bath home sits on an oversized lot and was completely updated in 2021 with high-quality finishes throughout. Major improvements include a new roof (2021), new drywall with flat ceilings, updated hot and cold water plumbing, a dedicated laundry area with electric water heater, and central A/C. The modern open-concept kitchen features granite countertops, a

    Moses Nae VIRTUALTY REAL ESTATE

    3622 Ardisia Rd N, Jacksonville, FL 32209
  • /12

    $900,990

    $99K PRICE DROP
    • Land
    • 8.81 Acres
    • $102,269 per Acre

    0 Golfbrook Dr, Jacksonville, FL

    ATTENTION BUILDERS, DEVELOPERS & INVESTORS ENTITLED INFILL OPPORTUNITY. Approximately 8.81 acres zoned Residential Medium Density-D (RMD-D) in North Jacksonville, allowing for multifamily, townhome, build-to-rent, or residential development potential (buyer to verify permitted uses and density). Zoning already in place, JEA water/sewer/electric availability confirmed, and wetland delineation

    Daly Braxton FLORIDA HOMES REALTY & MTG LLC

    0 Golfbrook Dr, Jacksonville, FL
  • /19

    $115,000

    $4K PRICE DROP
    • 3 Beds
    • 1 Bath
    • 850 Sq Ft

    6109 Strawflower Place, Jacksonville, FL 32209

    This well-maintained 3-bedroom, 1-bathroom single-family home offers immediate rental income with a tenant in place paying $1,150/month through May 2026. A solid, turn-key investment from day one.The home features a freshly painted exterior, updated lighting, smoke detectors, and clean flooring and closets throughout. The A/C was installed in 2021, adding to the property's overall value and

    Moses Nae VIRTUALTY REAL ESTATE

    6109 Strawflower Place, Jacksonville, FL 32209
  • /2

    $123,000

    • 3 Beds
    • 1 Bath
    • 1,127 Sq Ft

    1630 W 34th St, Jacksonville, FL 32209

    Beautiful 3-bedroom, 1-bathroom mid-century Florida bungalow featuring durable concrete block construction and a bright, clean interior with an elegant layout. This inviting home offers comfortable living spaces, abundant natural light, and a functional floor plan that maximizes both style and practicality.The property is being sold AS-IS. Photos reflect the condition of the property prior to

    Kal Zalloum ZALLOUM REALTY LLC

    1630 W 34th St, Jacksonville, FL 32209
  • /2

    $35,000

    • Land
    • 18,295 Sq Ft
    • $83,333 per Acre

    0 Merivale Rd, Jacksonville, FL 32208

    Discover the perfect opportunity to build your dream home on this vacant lot in a thriving and rapidly growing community. This blank canvas offers endless possibilities to design a space tailored to your vision. Don't miss your chance to invest in an area with so much potential, claim it today!

    ERIC RICE KELLER WILLIAMS FIRST COAST REALTY

    0 Merivale Rd, Jacksonville, FL 32208
  • /7

    $37,000

    $8K PRICE DROP
    • 1 Bed
    • 1 Bath
    • 859 Sq Ft

    1730 Audubon St, Jacksonville, FL 32208

    Unlock the potential in this 1-bedroom, 1-bath home packed with opportunity! With a functional layout that includes a spacious family room, dining area, kitchen, and indoor laundry space, this property is the perfect canvas for a buyer with vision. Whether you're an investor looking for your next project or a homeowner ready to customize a space to fit your needs, the possibilities here are

    LASHAWN STEWART KELLER WILLIAMS FIRST COAST REALTY

    1730 Audubon St, Jacksonville, FL 32208
  • /21

    $327,000

    $6K PRICE DROP
    • 3 Beds
    • 2 Baths
    • 1,922 Sq Ft

    6389 Pinewood Hills Dr, Jacksonville, FL 32218

    Excellent quiet neighborhood. New interior flooring and freshly painted. Large master bedroom with a sitting room. Master ensuite with separate shower. Living-Dining combination, and a kitchen - den combination. A glass-enclosed sunroom/Florida room with plenty of room to relax, and a large private back yard area for fun and entertaining.

    WILLIE BROWN MOMENTUM REALTY

    6389 Pinewood Hills Dr, Jacksonville, FL 32218
  • /36

    $258,000

    $10K PRICE DROP
    • 3 Beds
    • 2 Baths
    • 1,340 Sq Ft

    445 Blue Whale Way, Jacksonville, FL 32218

    Located in the community of Oceanway Manor, (no HOA) this is part of North East Jacksonville, less than 5 minutes to River City Marketplace for shopping (Lowes, Walmart, Dicks Sporting Goods to name a few), dozens of dining options, and convenient access to healthcare including UF North Hospital, Urgent Care, VA Hospital (coming soon). Three bedrooms, two full bath home updated in 2018, neutral

    Lisa Duke LISA DUKE REALTY LLC

    445 Blue Whale Way, Jacksonville, FL 32218
  • /74

    $674,000

    $25K PRICE DROP
    • 4 Beds
    • 4 Baths
    • 4,111 Sq Ft

    5394 Oak Bay Dr N, Jacksonville, FL 32277

    PRICE REDUCED $25,000 and Seller Offering a $15,000 Seller Concession to be used towards Buyer's Closing Costs or Rate Buy Down.Discover this stunning two-story home nestled in the desirable Charter Point community. Featuring 4 bedrooms, Master Bedroom boasts a large walk-in closet, 4 bathrooms, and a spacious 2-car garage, This residence boasts an inviting inground swimming pool and is

    George Ramia FLORIDA HOMES REALTY & MTG LLC

    5394 Oak Bay Dr N, Jacksonville, FL 32277
  • /14

    $329,990

    New Construction
    • 4 Beds
    • 2 Baths
    • 1,877 Sq Ft

    6124 Peeples Ln, Jacksonville, FL 32219

    Entering the home from the covered porch, you step into a bright foyer that leads to two bedrooms sharing a full bath. Continuing down the hallway, you’ll find a third bedroom and a laundry room with convenient access to the two-car garage. The layout opens up into a connected kitchen, family room, and dining area, creating a welcoming central living space. A covered patio extends off the family

    Starlight Homes Builder
    6124 Peeples Ln, Jacksonville, FL 32219
  • /26

    $245,000

    • 3 Beds
    • 2.5 Baths
    • 1,610 Sq Ft

    10560 Madrone Cove Ct, Jacksonville, FL 32218

    Welcome to this beautifully maintained 2-story townhouse, built in 2019, offering 1,610 sq ft of stylish living space. This move-in ready 3 bed, 2.5 bath home features a spacious kitchen with large island, hanging pot rack, brand-new microwave, and walk-in pantry. The open-concept design flows effortlessly into the dining and living areas, ideal for entertaining. Upstairs, enjoy a generous

    David Butts JPAR CITY AND BEACH

    10560 Madrone Cove Ct, Jacksonville, FL 32218
  • /24

    $375,000

    • 4 Beds
    • 3 Baths
    • 2,088 Sq Ft

    2948 Armsdale Rd, Jacksonville, FL 32218

    Welcome to this beautifully maintained newer-construction home in Jacksonville's Northside! Built in 2022, this spacious 4-bedroom, 3-bath of thoughtfully designed living space with an open-concept layout perfect for both everyday living and entertaining. The kitchen flows seamlessly into the main living and dining areas, while the split-bedroom floor plan provides privacy and

    DENVER WOOD GAILEY ENTERPRISES LLC

    2948 Armsdale Rd, Jacksonville, FL 32218
  • /33

    $135,000

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

    865 Brandywine St, Jacksonville, FL 32208

    GREAT OPPORTUNITY - 4-BEDROOM HOME! This 4-bedroom, 1-bathroom home is conveniently located near shopping, dining, and main roads. The spacious layout sits on a large lot and includes a covered front porch and a back shed for extra storage. The property also features a garage (308 sq ft), adding convenience and versatility. With recent updates and excellent potential as a rental property or

    Moses Nae VIRTUALTY REAL ESTATE

    865 Brandywine St, Jacksonville, FL 32208
  • /29

    $392,350

    New Construction
    • 5 Beds
    • 3 Baths
    • 2,363 Sq Ft

    12095 Yew Tree Rd, Jacksonville, FL 32218

    The Robie+ floor plan offers spacious, flexible living with 2,373 square feet of beautifully designed space. This two-story home features 5 bedrooms, 3 bathrooms, and a 2-car garage perfect for growing families or multigenerational households needing room to spread out. Natural light fills the home thanks to numerous well-placed windows, creating a bright and inviting atmosphere throughout. The

    D.R. Horton Builder
    12095 Yew Tree Rd, Jacksonville, FL 32218
  • /2

    $110,000

    • 3 Beds
    • 1 Bath
    • 1,008 Sq Ft

    340 Birch St, Jacksonville, FL 32206

    Welcome to this charming 3-bedroom, 1-bath house nestled in a tranquil neighborhood. As you step onto the quaint porch, you're greeted by a warm ambiance that extends throughout the home. The cozy living room features ample natural light streaming through the windows, creating an inviting space to relax or entertain. Comfortably sized bedrooms offer peaceful retreats. The shared bathroom is

    Jennifer Davis HOMEHEART REALTY LLC

    340 Birch St, Jacksonville, FL 32206
  • /18

    $146,000

    • 3 Beds
    • 2 Baths
    • 1,213 Sq Ft

    6136 Bagley Rd, Jacksonville, FL 32209

    Discover the perfect canvas for your next project! This solidly built 3-bedroom, 2-bathroom home sits on a generous 0.48-acre lot, offering the rare combination of structural integrity and room to grow. While the home has been cherished by the same family for years, it currently needs some Tender Loving Care (TLC) to return to its full glory. Due to life circumstances, maintenance has

    VICTRINA MULLINGS VIP HOME AND INSURANCE SERVICES LLC

    6136 Bagley Rd, Jacksonville, FL 32209
  • /25

    $357,350

    New Construction $25K PRICE DROP
    • 4 Beds
    • 2.5 Baths
    • 2,160 Sq Ft

    12196 Yew Tree Rd, Jacksonville, FL 32218

    Introducing the Elston, a spacious two-story home offering 2,160 square feet of thoughtfully designed living space. With 4 bedrooms, 2,5 bathrooms, and a 2-car garage, this versatile floor plan is perfect for large families or multigenerational households who need room to grow while maintaining comfort and privacy. The heart of the home is the open-concept kitchen, featuring beautiful quartz

    D.R. Horton Builder
    12196 Yew Tree Rd, Jacksonville, FL 32218
  • /15

    $285,200

    $1K PRICE DROP
    • 3 Beds
    • 2 Baths
    • 1,735 Sq Ft

    10998 River Falls Dr S Unit 3-7, Jacksonville, FL 32219

    Beautiful 3BR/2BA home in Trout River Landing! This well-kept 1,735 sq ft home features an open layout, spacious kitchen, split bedrooms, and a private backyard with no rear neighbors. Located minutes from I-295 for easy commuting. Move-in ready and priced to sell!

    Charles Gaulden ONE WORLD REALTY

    10998 River Falls Dr S Unit 3-7, Jacksonville, FL 32219
  • /15

    $879,900

    New Construction
    • 8 Beds
    • 8 Baths
    • 4,180 Sq Ft

    1522 Yelford Cir, Jacksonville, FL 32218

    INVESTMENT OPPORTUNITY! - This income-producing property has 3 out of 4 units occupied with established tenants in place. Great opportunity for immediate cash flow. Brand NEW construction by Southern Impression Homes @ CLEARANCE PRICING! This home qualifies for a special 3.75% interest rate (5.068% APR) along with 2 FREE years of professional property management and RENT PROTECTION included,

    KELLY HICKS SUNCOAST PROPERTY MANAGEMENT LLC

    1522 Yelford Cir, Jacksonville, FL 32218
  • /2

    $403,990

    New Construction Open Fri 1PM - 5PM $4K PRICE INCREASE
    • 4 Beds
    • 3 Baths
    • 2,500 Sq Ft

    14335 Trainors Way, Jacksonville, FL 32218

    *Sample Images* 2500 sf 4 bed 3 bath two story, Vero Plan appliances: gas tankless water heater, gas range, microwave, dishwasher, garbage disposal. Seamless access to Interstate 95, commuting becomes a breeze, ensuring you're always well-connected to the pulse of the city while enjoying the serene comforts of your new home in Cedar Creek. Join us in this thriving community, where convenience

    Nancy Pruitt OLYMPUS EXECUTIVE REALTY, INC

    14335 Trainors Way, Jacksonville, FL 32218
  • /19

    $362,990

    New Construction $9K PRICE DROP
    • 4 Beds
    • 2 Baths
    • 2,095 Sq Ft

    10058 Spotted Sea Dr, Jacksonville, FL 32219

    Welcome inside through the covered front porch, where a flex room offers the perfect space for an extra living area. From there, the home opens into the kitchen, dining area, and family room—ideal for everyday living and entertaining. The staircase is located just off the family room, while the mud room and powder bath sit near the kitchen. A walk-in pantry is positioned on the opposite side of

    Starlight Homes Builder
    10058 Spotted Sea Dr, Jacksonville, FL 32219
  • /39

    $145,000

    • 3 Beds
    • 2 Baths
    • 1,032 Sq Ft

    2356 3rd Ave, Jacksonville, FL 32208

    Completely remodeled and move-in ready! This beautifully updated 3-bedroom, 2-bath home offers modern finishes throughout and is priced to sell. Enjoy peace of mind with a brand-new roof, brand-new septic system, all-new flooring, and stylish updates from top to bottom. The kitchen comes fully equipped with all appliances, and the washer and dryer are included, making this home truly turnkey. As

    JESSICA WIEBENGA DJ & LINDSEY REAL ESTATE

    2356 3rd Ave, Jacksonville, FL 32208
  • /40

    $325,000

    • 7 Beds
    • 3 Baths
    • 2,376 Sq Ft

    9762 Bayview Ave, Jacksonville, FL 32208

    SPACE, LOCATION, & ENDLESS POTENTIAL! This beautifully newly renovated 2-story block home offers an incredible 7 bedrooms, 3 bathrooms, and 2,376 sq ft of versatile living space--perfect for large families, multigenerational living, or savvy investors looking to maximize rental income. Built in 1955, this solid home combines timeless construction with modern updates, making it move-in ready while

    MATIAS MATTSSON FREEDOM REALTY GROUP LLC

    9762 Bayview Ave, Jacksonville, FL 32208
  • /14

    $120,000

    $10K PRICE DROP
    • 3 Beds
    • 2 Baths
    • 871 Sq Ft

    6426 Beryl St, Jacksonville, FL 32219

    Like new! Clean and move in ready 3 bedroom, 2 full bath, manufactured in 2021, mobile home! This beautiful home offers open concept family room and kitchen, good size kitchen with lots of cabinets and counter space, all appliances included including washer and dryer, and vinyl flooring throughout. Outside you'll find a well maintained, partially fenced yard with a carport.

    ANNETTE LARGE HERRON REAL ESTATE LLC

    6426 Beryl St, Jacksonville, FL 32219

Showing Results 601 - 640, Page 16 of 18

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