1,277

Homes for Sale near Lighthouse Christian School Westside

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  • /52

    $160,000

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

    1450 Grothe St, Jacksonville, FL 32209

    **Seller to pay 5k towards closing costs.***This 3-bedroom, 1-bath home, ideal for rental income, small business use (with CCG-2 zoning), or comfortable primary residence. Currently generating $700/mo from one occupied room, with 4 additional rooms vacant and ready to rent, this property offers immediate income upside. The current tenant also acts as the on-site manager and is interested in

    Myesha Davis BIRD DOG REAL ESTATE GROUP LLC

    1450 Grothe St, Jacksonville, FL 32209
  • /7

    $246,000

    • 3 Beds
    • 2 Baths
    • 1,456 Sq Ft

    1210 Crown Dr, Jacksonville, FL 32221

    This 3 bedroom 2 bath home needs some renovation work but all major items are done! Located on a quiet, established street, this is a fantastic opportunity for buyers seeking a solid property with significant improvements already completed. While the home does need some cosmetic renovation and finishing touches, the major systems have been fully updated: updated hot water heater (2023), a

    Joanie Heighes ENGEL & VOLKERS FIRST COAST

    1210 Crown Dr, Jacksonville, FL 32221
  • /12

    $125,000

    • 3 Beds
    • 1 Bath
    • 1,231 Sq Ft

    2168 W 14th St, Jacksonville, FL 32209

    3 bedroom/ 1 bathroom home. This was previously used as a rental. Roof is new as it was just installed.Pictures are recent.Seller or agent do not know any thing of the home including ac/ electrical/ etc.Vacant and easy to show.

    Andrew Nebesnyk MOMENTUM REALTY

    2168 W 14th St, Jacksonville, FL 32209
  • /15

    $169,000

    • 4 Beds
    • 1.5 Baths
    • 1,080 Sq Ft

    7570 John F. Kennedy Dr W, Jacksonville, FL 32219

    NOW VACANT!! GO AND SHOW! Use Showing Time to schedule and obtain access code!Fantastic 4-Bedroom Home - Turnkey Investment or Forever HomeThis 4-bed, 1 bath block home with a brick exterior offers a timeless look and solid construction. Currently tenanted, it's a great addition to any investment portfolio or the perfect personal residence.Recently renovated - Updated kitchen & bathroom with

    EDWARD CERNOBORI KELLER WILLIAMS REALTY ATLANTIC PARTNERS SOUTHSIDE

    7570 John F. Kennedy Dr W, Jacksonville, FL 32219
  • /11

    $149,000

    • 4 Beds
    • 2 Baths
    • 1,564 Sq Ft

    1479 W 8th St, Jacksonville, FL 32209

    Great opportunity to acquire a duplex with positive cash flow on day 1! The 2 units are a 2-bed 1-bath, current month-to-month tenants in both units. Roof just 3 years old. PLEASE DO NOT DISTURB TENANTS.

    Steve Carroll SELECT REALTY LLC

    1479 W 8th St, Jacksonville, FL 32209
  • /69

    $830,000

    • 6 Beds
    • 4 Baths
    • 3,626 Sq Ft

    6878 Lenox Ave, Jacksonville, FL 32205

    Investor's Dream! Rare opportunity to own a 2-acre gated property with 3 separate income-producing homes and dual access from Lenox Ave and Wyandotte Ave (6959 Wyandotte Ave). The main house offers 4 bedrooms and 3 bathrooms, perfect for a primary residence or high-yield rental. The first detached guest home features 3 bedrooms and 3 bathrooms, and the second is a 2-bedroom, 1-bath mother-in-law

    JEISON LOPEZ FLORIDA HOMES REALTY & MTG LLC

    6878 Lenox Ave, Jacksonville, FL 32205
  • /13

    $173,000

    • 2 Beds
    • 1.5 Baths
    • 924 Sq Ft

    3262 Dignan St, Jacksonville, FL 32254

    2-bedroom, 1.5-bathroom single-family residence offers the perfect blend of comfort, style, and convenience. Step into a open living area filled with natural light, perfect for relaxing or entertaining guests. The kitchen features appliances, ample cabinet space. The primary bedroom includes a half bath for added privacy. Perfect for an investor or a starter home. New HVAC &

    VANESA BEATTIE COMPLETE PROP MANAGEMENT LLC

    3262 Dignan St, Jacksonville, FL 32254
  • /14

    $225,000

    • 3 Beds
    • 2 Baths
    • 1,230 Sq Ft

    4822 Merrimac Ave, Jacksonville, FL 32210

    PRICE IMPROVED to $238,900 Fully renovated 3 bed, 2 bath home on a .18-acre lot! Everything is new within the last year—roof, HVAC, plumbing, kitchen, bathrooms, flooring, and more. This move-in-ready beauty features LVP flooring, a modern open kitchen with white shaker cabinets, granite-look counters, and stainless steel appliances. The split floor plan includes a private master suite with a

    ALAN WIND WIND REALTY

    4822 Merrimac Ave, Jacksonville, FL 32210
  • /10

    $214,900

    • 2 Beds
    • 1 Bath
    • 1,072 Sq Ft

    9420 Joos Rd, Jacksonville, FL 32220

    Charming Country Retreat - Fully Renovated & Move-In Ready!Welcome to this beautifully updated 2-bedroom home with an additional office space, nestled in a peaceful and established rural neighborhood. Situated on a generous 0.35-acre lot, this property offers stunning natural views and plenty of room to enjoy the outdoors — perfect for those seeking serene country living at its

    KELENA RODRIGUEZ EAGLES WORLD REALTY, INC

    9420 Joos Rd, Jacksonville, FL 32220
  • /28

    $250,000

    • 4 Beds
    • 2 Baths
    • 1,488 Sq Ft

    4717 Palmer Ave, Jacksonville, FL 32210

    Welcome to this beautifully updated 4-bedroom, 2-bath home in the heart of Historic Jacksonville! Nestled near the vibrant neighborhoods of Avondale, 5 Points, and Riverside, this home combines historic charm with modern updates. Inside, you'll find brand new flooring, fresh paint throughout, and a stylishly updated kitchen and bathrooms. Enjoy the flexibility of multiple living and flex spaces,

    SAMANTHA MORTON REAL BROKER LLC

    4717 Palmer Ave, Jacksonville, FL 32210
  • /17

    $200,000

    • 4 Beds
    • 1.5 Baths
    • 1,352 Sq Ft

    5332 Colonial Ave, Jacksonville, FL 32210

    Great investment property in desirable Lakeshore area of Jacksonville. 4 bedroom, 1 1/2 bath brick home in need of cosmetic updates. Roof 2013, HVAC 2017, hot water heater 2022. Property being sold 'as-is'. Property was a probate and has been cleared by court for sale. Great opportunity to buy a property with margin for equity after rehab.

    Peter Sapia WEICHERT REALTORS COASTAL CITY

    5332 Colonial Ave, Jacksonville, FL 32210
  • /65

    $4,995,000

    • 6 Beds
    • 7.5 Baths
    • 5,806 Sq Ft

    3110 Saint Johns Ave, Jacksonville, FL 32205

    Built during the Roaring Twenties, this Georgian Revival has been beautifully preserved and enhanced. A historical Avondale masterpiece was taken to the studs & has never flooded. The 2016 comprehensive remodel includes new electrical, plumbing, kitchen, pantry, baths, floors, walls & more to incorporate the latest fit & finish, while retaining the artistry & character of the past. The gourmet

    Julie Little Brewer RE/MAX SPECIALISTS PV

    3110 Saint Johns Ave, Jacksonville, FL 32205
  • /21

    $179,900

    • 4 Beds
    • 2 Baths
    • 1,251 Sq Ft

    2103 W 14th St, Jacksonville, FL 32209

    Welcome to this beautifully renovated 4-bedroom, 2-bathroom home on a spacious corner lot in Jacksonville's revitalizing East Grand Park neighborhood!This property features a thoughtful redesign, including a brand-new fourth bedroom and second bathroom with a private entry, perfect for a guest suite or rental.The open-concept layout connects the kitchen, dining, and living areas, complemented by

    Eduardo Gracia Lopez DALTON WADE INC

    2103 W 14th St, Jacksonville, FL 32209
  • /10

    $179,000

    • 2 Beds
    • 1 Bath
    • 896 Sq Ft

    3128 Phyllis St, Jacksonville, FL 32205

    Offering owner finance, no banks. Asking $10k down, will finance the rest. Beautiful newly renovated 2 bedroom 1 bath conctrete block home. New stainless appliances.New roof in 2023, AC 2020. Ready to move in!

    Matthew Ridings ONE REALTY CORP

    3128 Phyllis St, Jacksonville, FL 32205
  • /20

    $172,000

    • 3 Beds
    • 1 Bath
    • 991 Sq Ft

    2887 Lenox Ave, Jacksonville, FL 32254

    This adorable 3-bedroom, 1-bath home is full of charm and modern updates! From the moment you step onto the cute front porch, you'll feel right at home. Inside, you will find beautiful wood laminate flooring throughout, an updated kitchen with modern finishes, and a remodeled bathroom that adds a fresh touch.The big-ticket updates are already done, newer roof, 5-year-old AC, and updated

    Hallie Satkoff NEXTHOME ENDLESS SUMMER

    2887 Lenox Ave, Jacksonville, FL 32254
  • /7

    $315,000

    • 4 Beds
    • 2 Baths
    • 1,543 Sq Ft

    7082 Plymouth Grove Ct, Jacksonville, FL 32220

    Turnkey Investment Opportunity - Cash-Flowing Single-Family HomeInvestor special! This well-maintained 4 bed / 2 bath single-family home is the perfect addition to your rental portfolio. Located in a stable, renter-friendly neighborhood, this property features over 1,543 sq ft of living space. This property features a flexible floor plan perfect for growing families or as a high-performing rental

    TANIA HIDALGO SUNCOAST PROPERTY MANAGEMENT LLC

    7082 Plymouth Grove Ct, Jacksonville, FL 32220
  • /20

    $334,000

    • 4 Beds
    • 2 Baths
    • 2,205 Sq Ft

    4822 Kingsbury St, Jacksonville, FL 32205

    Opportunity Knocks! This 4 bed, 2 bath home in Jacksonville awaits your vision. Features include a newer AC unit, termite system, and a solid foundation. Original kitchen & bath, vinyl countertops, and some flooring updates needed. Perfect for a personalized touch or a complete transformation!

    Scott Fader JOSEPH WALTER REALTY LLC

    4822 Kingsbury St, Jacksonville, FL 32205
  • /13

    $84,900

    • 3 Beds
    • 1 Bath
    • 851 Sq Ft

    2944 W 12th St, Jacksonville, FL 32254

    Discover this single-family, detached home with great potential for investment or as a first-time homebuyer opportunity. The property offers a living room with wood floors, an open kitchen with a separate dining area, new roof in November of 2024, and a spacious rear yard. Currently, the home is rented on a month-to-month lease at $825 per month.

    RYAN COURSON CORE REALTY, LLC

    2944 W 12th St, Jacksonville, FL 32254
  • /32

    $499,000 Open Sat 1PM - 3PM

    • 2 Beds
    • 2 Baths
    • 1,362 Sq Ft

    3865 Eloise St, Jacksonville, FL 32205

    SELLER TO CONTRIBUTE up to $10,000 towards buyers closing costs or interest rate buydown! Welcome to this beautifully renovated home with INCOME POTENTIAL in Historic Avondale! This property offers charm, modern updates, and a detached 400 sq ft fully furnished STUDIO APARTMENT—ideal for rental income, guests, or a home office. Completed in 2021/22, the studio includes a full kitchen, bath and

    KIM KOWAL WATSON REALTY CORP

    3865 Eloise St, Jacksonville, FL 32205
  • /31

    $265,000 Open Sat 12PM - 2PM

    • 4 Beds
    • 3 Baths
    • 2,170 Sq Ft

    9408 Evesham Rd, Jacksonville, FL 32208

    BACK ON THE MARKET, PREVIOUS BUYER FINANCING FELL THROUGH! Discover your new home! This charming brick residence is situated on a highly sought after corner lot featuring 4 bedrooms and 3 full baths with stand up showers. Private access to the owners suite. Separate living room, dining area, and den with a fire place. Newer roof with added solar panels that are free and clear. Fenced in backyard,

    BRITTANY GOLDEN B. GOLDEN REALTY LLC

    9408 Evesham Rd, Jacksonville, FL 32208
  • /14

    $650,000

    • 4 Beds
    • 4 Baths
    • 2,618 Sq Ft

    2636 Post St, Jacksonville, FL 32204

    Cash flowing Quad in the heart of Riverside! All units are occupied with long-term leases and have identical 1bedroom/1bathroom layouts. Currently being managed by a professional, property management company with long-term renters in place until 2026 and has had tremendous rental history. Situated in a prime Riverside location, residents of the property will love being steps away from the

    Mike Stetson SALT RUN REAL ESTATE

    2636 Post St, Jacksonville, FL 32204
  • /42

    $1,050,000

    • 16 Beds
    • 8 Baths
    • 7,104 Sq Ft

    1330 Barnett St, Jacksonville, FL 32209

    Barnett Street Apartments - 12 Unit Multifamily Investment. Renovated in 2023, Barnett Street Apartments offers 12 units all 2BD/1BA across two solid concrete block buildings. Ideal for investors targeting the affordable housing sector, this property presents a value-add asset with a history of stable rental demand and low maintenance requirements.Interior upgrades include new kitchen cabinets,

    Ian Brown YIELD COACH REALTY

    1330 Barnett St, Jacksonville, FL 32209
  • /48

    $619,900

    • 8 Beds
    • 5.5 Baths
    • 2,403 Sq Ft

    2203 College St, Jacksonville, FL 32204

    Cash Flowing fully occupied Quadplex in the Heart of Riverside! This is a great opportunity to purchase a multifamily that doesn't require updating throughout, and is already doing well! Just close the deal, and start profiting monthly. Just blocks away from the bars and restaurants of 5 points, this property is a hot commodity for tenants and has had little turnover.4 units, 3 long term

    Jordan Hooten KST GROUP LLC

    2203 College St, Jacksonville, FL 32204
  • /19

    $120,000

    • 2 Beds
    • 1 Bath
    • 840 Sq Ft

    361 Broward St, Jacksonville, FL 32204

    The owner had us withdraw the property so he could have the entire interior of this 2-bedroom, 1-bath home painted to give it an fresh, updated look. It looks great! The location of this cute home gives a country vibe feel but with city living that is close to everything. With easy access to I-10 and I-95, commuting is a breeze, and downtown's lively attractions and the airport are only a short

    Clelia Ellis NUVIEW REALTY

    361 Broward St, Jacksonville, FL 32204
  • /21

    $305,000

    • 3 Beds
    • 3 Baths
    • 1,683 Sq Ft

    1232 Hamilton St, Jacksonville, FL 32205

    PRICE NOW REDUCED $19,000!!! This huge price drop makes this home more affordable than ever!! This move-in ready home is waiting for its new owner. This fantastic 3-bedroom, 3 bath home has it all! Featuring 2 bedrooms with their own full baths. You'll also find a third spacious bedroom and a flex room perfect for an office, playroom or whatever fits your lifestyle. Whether you're accommodating

    LISA PORRAZZO SIGNATURE FIRST COAST REALTY

    1232 Hamilton St, Jacksonville, FL 32205
  • /27

    $217,000

    • 3 Beds
    • 1 Bath
    • 958 Sq Ft

    5145 Birkenhead Rd, Jacksonville, FL 32210

    Located on a picturesque lot, this charming and beautiful 3bdrm, 1bth home features an attractive and sturdy brick and block exterior and an open layout with rich hardwood floors and stylish glazed bath tile inside. The spacious living and dining area flows seamlessly into a well-designed kitchen that includes ample cabinetry, generous counter space, and sleek stainless appliances. The laundry is

    Camelia Wilson BERKSHIRE HATHAWAY HOMESERVICES FLORIDA NETWORK REALTY

    5145 Birkenhead Rd, Jacksonville, FL 32210
  • /49

    $230,000

    • 3 Beds
    • 2 Baths
    • 1,457 Sq Ft

    2528 Hyde Park Rd, Jacksonville, FL 32210

    Solid, 3-bedroom 1457 sq ft brick and block frame stucco home. Spacious, eat-in kitchen, and large pantry. Located in a high and dry riverfront neighborhood. 2 full spacious bathrooms, abundant closet space, attached garage with laundry hook up. 350 SF finished Screened porch, 130 SF finished storage room. Enjoy the designated living room, formal dining room. back patio and cozy gated/fenced

    ROSEMARY MURPHY WATSON REALTY CORP

    2528 Hyde Park Rd, Jacksonville, FL 32210
  • /48

    $619,900

    • 8 Beds
    • 5.5 Baths
    • 2,635 Sq Ft

    2203 College St, Jacksonville, FL 32204

    Cash Flowing fully occupied Quadplex in the Heart of Riverside! This is a great opportunity to purchase a multifamily that doesn't require updating throughout, and is already doing well! Just close the deal, and start profiting monthly. Just blocks away from the bars and restaurants of 5 points, this property is a hot commodity for tenants and has had little turnover.4 units, 3 long term rentals,

    Jordan Hooten KST GROUP LLC

    2203 College St, Jacksonville, FL 32204
  • /34

    $199,900

    • 3 Beds
    • 1 Bath
    • 1,400 Sq Ft

    6922 Rollo Rd, Jacksonville, FL 32205

    Three bedrooms and one bath, Park under your car carport. Come in the front door to a large living room or go left after enter and see large den area, kitchen is behind living room with dining beside it. Then step down to another flex room where you can also enter into the laundry room which has small workshop area. Then from flex room you step out into a large glassed sun porch 25' x 10'.

    ROBERT WOODS WATSON REALTY CORP

    6922 Rollo Rd, Jacksonville, FL 32205
  • /29

    $227,900

    • 5 Beds
    • 2 Baths
    • 1,350 Sq Ft

    3078 Dignan St, Jacksonville, FL 32254

    This fully renovated home is sure to blow your mind! From the moment you walk through the front door, you'll notice the meticulous attention to detail throughout. The open-concept floor plan is perfect for entertaining guests or connecting with family in the heart of the home. The stunning kitchen features all-new appliances, gleaming quartz countertops, brand-new cabinetry, and a spacious

    Taariq Sheares JPAR CITY AND BEACH

    3078 Dignan St, Jacksonville, FL 32254
  • /17

    $262,000

    • 5 Beds
    • 3 Baths
    • 1,994 Sq Ft

    1449 Delmar St, Jacksonville, FL 32205

    This property holds endless potential! 1.37 acre lot with potential to subdivide or add more dwellings. Buyer to do due diligence with regard to zoning and potential use. As it sits, property has two homes. A 2 bed 1 bath home. Cozy Country cottage living in the city. Multiple fruit trees and plenty of space to stretch out. Lots of room for gardening/growing your own food. home has multiple

    IVAN COBREIRO MOMENTUM PM LLC

    1449 Delmar St, Jacksonville, FL 32205
  • /37

    $440,000

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

    2248 Dellwood Ave, Jacksonville, FL 32204

    Don't miss the opportunity on this already producing large brick duplex in the historic Riverside/Avondale district. Bottom unit, 2248 available for move in at closing!!! Each unit has 2 bedroom and 2 full bath, 1428 sq. ft., total square footage is 2856. The floor plans are almost identical with hardwood throughout. Carrier central heat and air heat pump for each floor, two electric water

    JOSHUA PRUITT LPT REALTY LLC

    2248 Dellwood Ave, Jacksonville, FL 32204
  • /23

    $409,900

    • 4 Beds
    • 3 Baths
    • 2,992 Sq Ft

    9083 Hawkeye Dr, Jacksonville, FL 32221

    MOVE IN READY! NEWLY UPDATED COUNTERTOP, SINK, AND CABINETS.ROOF & HVAC SYSTEM ARE REPLACED IN 2022.Beautiful single-story brick home located in Pinecrest off Normandy Blvd. Laminate flooring and tile throughout the entire house. Open floor plan with huge living room. Spacious rooms with plenty of space. Nice backyard with pond view. Low HOA fee $215 per year. Conveniently located near I-295.

    ZHI ZHANG HUSKY REALTY INC

    9083 Hawkeye Dr, Jacksonville, FL 32221
  • /24

    $284,900

    • 3 Beds
    • 2 Baths
    • 1,483 Sq Ft

    2021 Lake Weir Ave, Jacksonville, FL 32210

    Don't miss out !!!! Great buy. You won't believe the family room. Plenty of space for a large TV. Kitchen appliances stay and are new. Dining/Living room. Back yard is fantastic for family BBQs, and is fully fenced. Property is vacant and easy to show. Supra lock box, but please make showing request!

    STEPHEN TINNEY DISCOVER REALTY INC

    2021 Lake Weir Ave, Jacksonville, FL 32210
  • /16

    $150,000

    • 3 Beds
    • 1 Bath
    • 1,006 Sq Ft

    6419 Coolidge St, Jacksonville, FL 32219

    Charming Fully Renovated Brick Home in Golfair TerraceWelcome to this beautifully updated 1974 solid brick home nestled in the established neighborhood of Golfair Terrace in Jacksonville, FL. Situated on a large, wooded lot offering privacy and room to relax, this home blends classic character with modern updates for today's lifestyle.Step inside to discover a completely renovated

    RACHEL MATEO ASSIST 2 SELL BUYERS & SELLERS PREMIER REALTY

    6419 Coolidge St, Jacksonville, FL 32219
  • /35

    $365,000

    • 3 Beds
    • 2 Baths
    • 1,524 Sq Ft

    4409 Saint Johns Ave, Jacksonville, FL 32210

    *New Price*This adorable yet elegant bungalow is nestled in one of the most PRIME LOCATIONS you could ask for! Enjoy living in this brand new FULLY RENOVATED home in the heart of Avondale, with a BRAND NEW ROOF, HVAC, WATER HEATER and PVC PLUMBING!!You will appreciate how the lot feels very spacious, yet private, and is fenced, surrounded by mature trees that add beauty and serenity.Plenty of

    JAMIE ALLENBAUGH 1 PERCENT LISTS FIRST COAST

    4409 Saint Johns Ave, Jacksonville, FL 32210
  • /15

    $175,000

    • 2 Beds
    • 2 Baths
    • 1,129 Sq Ft

    7901 Rondo Ave, Jacksonville, FL 32219

    ***SHORT SALE!!*** Step into this beautifully maintained ranch-style home that perfectly blends timeless appeal with modern convenience. Situated on a spacious lot, this home boasts a classic wrap-around and front porch-perfect for sipping your morning coffee or entertaining guests. Inside you'll find durable laminate flooring throughout, an updated kitchen featuring electric appliances for

    MARCELLA BRAXTON FLORIDA HOMES REALTY & MTG LLC

    7901 Rondo Ave, Jacksonville, FL 32219
  • /31

    $299,999

    • 2 Beds
    • 1 Bath
    • 1,176 Sq Ft

    4544 Royal Ave, Jacksonville, FL 32205

    Welcome to this delightful 2-bedroom, 1-bathroom home nestled in the heart of the sought-after Murray Hill community. Boasting 1,176 sq. ft. of living space, this gem was built in 1919 and features fresh flooring and a newly added driveway, providing convenient off-street parking. Previously utilized as a rental property for the past year, the home is currently vacant and ready for immediate

    ALEXANDER SHEPHERD BERKSHIRE HATHAWAY HOMESERVICES FLORIDA NETWORK REALTY

    4544 Royal Ave, Jacksonville, FL 32205
  • /13

    $147,990

    • 4 Beds
    • 2 Baths
    • 1,410 Sq Ft

    8534 Addison Rd, Jacksonville, FL 32208

    Seller will contribute $5,000 towards closing costs. Charming Starter Home with Endless Potential!Looking for a project to make your own? This 4br 2ba home is the perfect opportunity for first-time buyers, investors, or DIY enthusiasts. This property offers a solid foundation with plenty of potential to add your personal touch and provides even more options for expansion or creative

    TANIA HIDALGO SUNCOAST PROPERTY MANAGEMENT LLC

    8534 Addison Rd, Jacksonville, FL 32208
  • /15

    $217,000

    • 3 Beds
    • 1 Bath
    • 1,018 Sq Ft

    4763 Sefa Cir N, Jacksonville, FL 32210

    100-Day Home Warranty coverage available at closing. Welcome to your beautifully renovated dream home, boasting a fresh interior and exterior paint in a neutral color scheme that exudes a calming ambiance. This gem features new flooring throughout, creating a seamless flow from room to room. The remodeled kitchen is a chef's delight with shaker cabinets and stainless steel appliances that are

    Karen Albright OPENDOOR BROKERAGE, LLC.

    4763 Sefa Cir N, Jacksonville, FL 32210

Showing Results 561 - 600, Page 15 of 18

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