1,450

Lakeland, FL Homes for Sale with No HOA Fee

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  • /39

    $665,000

    • 4 Beds
    • 2 Baths
    • 2,682 Sq Ft

    2925 Deerbrook Dr, Lakeland, FL 33811

    Welcome to 2925 Deerbrook Dr., a beautifully maintained pool home located in the highly sought after Deer Brooke community in Southwest Lakeland. Known for its clean, tree lined streets, peaceful atmosphere, and friendly vibe, Deer Brooke offers the ideal balance of comfort and convenience with no required HOA. This spacious 4 bedroom, 2 bath home sits on over an acre of land and features a

    Sandi McGlathery JASON MITCHELL REAL ESTATE FLO

    2925 Deerbrook Dr, Lakeland, FL 33811
  • /49

    $39,900

    • 2 Beds
    • 1 Bath
    • 612 Sq Ft

    12 Cc St, Lakeland, FL 33815

    HUGE 10K PRICE REDUCTION! HIGHLY MOTIVATED SELLER. STEP INTO THIS CHARMING, FULLY TURN-KEY MOBILE HOME-YOUR DREAM RETREAT FOR SNOWBIRDS AND FULL TIME RESIDENTS ALIKE! A brand new metal roof was installed in 2024, while the 2023 central AC unit keeps the home cool and comfortable. Inside, fresh paint and new flooring create a pristine, modern atmosphere throughout. With a generous guest room and

    Whitney Campbell-Conkey Pelican's Nest Mobile Home Sales, LLC.

    12 Cc St, Lakeland, FL 33815
  • /62

    $39,500

    • 2 Beds
    • 2 Baths
    • 960 Sq Ft

    1592 King Arthurs Ct, Lakeland, FL 33810

    Possible Owner Financing! Don't miss this incredible opportunity to own a stunning 2-bedroom, 2-bathroom home that has been completely remodeled and is priced to sell quickly! With a 2018 air conditioning system and a modern interior, this gem offers comfort and an exceptional lifestyle in the desirable Foxwood Village community for those aged 55 and over, a Spectrum Community with 250 Plus

    Billy Martindale Village Mobile Living

    1592 King Arthurs Ct, Lakeland, FL 33810
  • /24

    $339,000

    • 3 Beds
    • 2 Baths
    • 1,661 Sq Ft

    1011 W 13th St, Lakeland, FL 33805

    Prepare to be mesmerized by this breathtaking, fully remodeled masterpiece where every detail exudes unparalleled sophistication and grandeur. The chef-inspired kitchen gleams with radiant granite countertops and bespoke cabinetry, seamlessly merging into an expansive open floor plan crafted for unforgettable entertaining. Indulge in the lavish bathrooms, transformed into serene sanctuaries with

    Dontavious Simon CALVARY REAL ESTATE GROUP LLC

    1011 W 13th St, Lakeland, FL 33805
  • /27

    $199,897

    • 3 Beds
    • 3 Baths
    • 1,044 Sq Ft

    3050 Old Soldier Rd, Lakeland, FL 33810

    Welcome to 3050 Soldier Rd in beautiful Lakeland, FL! This charming home sits on a generous lot with plenty of space to roam, relax, and enjoy Florida living at its finest! Step inside to discover a bright and open floor plan, updated flooring, and a well-equipped kitchen perfect for family gatherings or entertaining guests. A separate, independent "small house" with its own kitchen and bath

    Bernardo Reynoso LA ROSA REALTY LLC

    3050 Old Soldier Rd, Lakeland, FL 33810
  • /52

    $49,900

    • 2 Beds
    • 2 Baths
    • 1,250 Sq Ft

    403 Lisa St, Lakeland, FL 33815

    So many UPGRADES FOR A VERY AFFORDABLE PRICE! This 2-bedroom, 2-bath JACOBSON home has 1250 sf of living space, which includes a front 10' x 21' air-conditioned FL room, with vaulted ceilings, NEW WINDOWS, CUSTOM SHADES and 2 modern fans. A SPECIAL FEATURE is the HALL SAFETY WALK-IN SHOWER. This home comes partially furnished and is waiting for the next fortunate buyer. There is a spacious

    Jean Osani Select Mobile Home Sales

    403 Lisa St, Lakeland, FL 33815
  • /28

    $299,000

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

    1318 Fairway Dr, Lakeland, FL 33801

    "Price Adjustment"! Great investment opportunity...Both units remodeled within past 2 years.Unit, new roof in 2016. A/C replaced at 1318 3 years ago. Unit 1318 has a fireplace 2 bedroom 2 bath. Unit 1322 2 bedroom 1 and a half bath, no fireplace. Start or add to your investment portfolio with a great multifamily unit. Make an offer before your competition does. units are vacant.

    Curtis Skeens RE/MAX REALTY UNLIMITED

    1318 Fairway Dr, Lakeland, FL 33801
  • /22

    $19,000

    • 2 Beds
    • 1.5 Baths
    • 672 Sq Ft

    31 Cc St, Lakeland, FL 33815

    Cozy Home for Sale in Sunny Lakeland, Florida - Your Dream Home Awaits! Homes in this community are on lot leased land inLakeland, Florida. Owning the home, but not the land, you pay a monthly lot rent of$650 which gives you and your guest access to the amenities of the community. Community Perks: This home is located inGeorgetowne Manor, a smaller, quiet community near downtown Lakeland

    Bette Johnson Renee's Resales

    31 Cc St, Lakeland, FL 33815
  • /56

    $164,900

    • 2 Beds
    • 2 Baths
    • 1,316 Sq Ft

    1811 Sherwood Hill Dr, Lakeland, FL 33810

    A MUST SEE! Welcome to your snow-free paradise at Foxwood Lake Estates, a sought-after 55+ GATED community! You own the land (NO LOT RENT!). Step inside to discover an inviting open floor plan that seamlessly integrates the living, dining, and kitchen areas. Outside, enjoy the Florida sunshine in the large enclosed lanai. Additional storage is provided in the workshop. The home has luxury vinyl

    Carolyn Christian Dalton Wade Inc

    1811 Sherwood Hill Dr, Lakeland, FL 33810
  • /34

    $214,900

    • 3 Beds
    • 1 Bath
    • 1,133 Sq Ft

    1050 Reynolds Rd, Lakeland, FL 33801

    Fully Renovated 3 Bed, 1 Bath Home – Move-In Ready! *Brand New Roof*Enjoy new luxury vinyl flooring throughout, soft-close cabinets, and new stainless steel appliances in the stylish kitchen. The layout offers comfortable living space, and the large yard provides plenty of room. Don’t miss this turnkey opportunity!

    Yanel Ruiz KELLER WILLIAMS REALTY SMART

    1050 Reynolds Rd, Lakeland, FL 33801
  • /28

    $49,000

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

    1423 Saddle Trail, Lakeland, FL 33815

    WELCOME TO BEAUTIFUL FLORIDA, THIS AMAZING SPACIOUS HOME IS LOCATED IN A LARGE GATED COMMUNITY.

    Linda Hahn Florida Mobile Homes on Sale, Inc.

    1423 Saddle Trail, Lakeland, FL 33815
  • /6

    $82,900

    • 3 Beds
    • 2 Baths

    1234 Reynolds Rd Unit 129, Lakeland, FL 33801

    Own your own home in a quiet, well-maintained neighborhood! This 3 bed/2 bath home has plenty of living space. Every day could feel like a vacation! Call us today to schedule a showing and see all the benefits of living in Sunshine Village, a professionally managed community. Ask about our special incentive programs! This one won't last long!

    Tori Coil Sunshine Village

    1234 Reynolds Rd Unit 129, Lakeland, FL 33801
  • /31

    $37,000

    • 2 Beds
    • 2 Baths
    • 1,056 Sq Ft

    1510 Ariana St Unit 340, Lakeland, FL 33803

    Furnished - This two bedroom, two bath home offers 1,056 sq ft of comfortable living space with plenty of natural light. Beautiful glass enclosed lanai on the front, with another enclosed room on the rear. Plantation Blinds! Eat-in Kitchen with white cabinetry, waterproof vinyl plank flooring, and a large double stainless sink, with sunlight streaming through multiple windows. Main Bedroom:

    Billy Martindale Village Mobile Living

    1510 Ariana St Unit 340, Lakeland, FL 33803
  • /60

    $129,000

    • 3 Beds
    • 2 Baths

    944 Reynolds Rd Unit 26, Lakeland, FL 33801

    Anglers Cove / Lot #26 / 3 BED/2 BA / 1,296 Sq. Ft. / $129,900.00 LAKESIDE THIS IS TRULY A LAKESIDE RESORT HOME!! It is a cut above the rest home that is resort living everyday!! Although it is considered a "single wide", this home has the square footage of a double. The original floor plan was re-imagined and the other half is as solid as a block built home. All of the upgrades are

    Donna Kendall CRF Communities

    944 Reynolds Rd Unit 26, Lakeland, FL 33801
  • /41

    $728,900

    • 5 Beds
    • 4.5 Baths
    • 3,390 Sq Ft

    1922 Matthew Ct, Lakeland, FL 33813

    One or more photo(s) has been virtually staged. Welcome to this spacious 5-bedroom, 5-bathroom single-family home in the desirable Lakeland neighborhood of Scott Lake Hills, offering the perfect balance of comfort, functionality, and flexibility. This two-story residence features a solid block and stucco exterior, a shingle roof, and a newer HVAC system for year-round comfort and peace of

    Veronica Davis 54 REALTY LLC

    1922 Matthew Ct, Lakeland, FL 33813
  • /46

    $348,000 Open Sat 11PM - 1PM

    • 3 Beds
    • 2 Baths
    • 1,651 Sq Ft

    2632 Handley Blvd, Lakeland, FL 33803

    One or more photo(s) has been virtually staged. HUGE PRICE REDUCTION and LOCATION! This beautifully updated 3-bedroom, 2-bathroom brick-home offers the perfect blend of comfort, style, convenience, and is nestled in one of the most desirable centrally located neighborhoods. The inviting floor plan begins with a spacious Dining Room that flows effortlessly into the cozy Living Room which features

    Michelle Simmers PREMIER REALTY NETWORK, INC

    2632 Handley Blvd, Lakeland, FL 33803
  • /2

    $299,000

    • 2 Beds
    • 1 Bath
    • 1,560 Sq Ft

    12315 Ranchland Trail, Lakeland, FL 33809

    Situated on a spacious 5.46-acre parcel in the quiet, rural community of RockRidge, this 2-bedroom, 1-bath double-wide mobile home offers privacy, potential, and passive income. The home features two storage sheds, well and septic (no water bill!), and a reliable month-to-month tenant currently paying $900/month. With no HOA and plenty of room to grow, this is a fantastic opportunity for

    Travis Avery RLK REAL ESTATE DEVELOPMENT

    12315 Ranchland Trail, Lakeland, FL 33809
  • /62

    $265,000

    • 3 Beds
    • 1 Bath
    • 1,057 Sq Ft

    819 Glendale St, Lakeland, FL 33803

    Adorable Home on a Charming Cobblestone Street!Welcome to this storybook 3-bedroom, 1-bathroom gem just a 2-minute walk to the beautiful Cleveland Heights Golf Course! Nestled on one of Lakeland’s rare cobblestone streets, this home is full of charm and character, featuring warm wood floors, a stylish kitchen with granite countertops, stainless steel appliances, and tons of natural

    Lana Burke LPT REALTY, LLC

    819 Glendale St, Lakeland, FL 33803
  • /35

    $364,990

    • 3 Beds
    • 2 Baths
    • 1,903 Sq Ft

    4008 S Carlisle Rd, Lakeland, FL 33813

    beautifully remodeled 3 bedroom 2 bath home centrally located in South Lakeland near the parkway shopping and more. New Roof with current permit available for review. This home is move in ready and a one of a kind. Must see to appreciate.

    Marc Rachlin PORCHLIGHT HOMES LLC

    4008 S Carlisle Rd, Lakeland, FL 33813
  • /7

    $260,000

    • Land
    • 4.1 Acres
    • $63,415 per Acre

    540 Haynes Rd, Lakeland, FL 33809

    4-Acre Lot – Build Your Dream Home or Divide and Sell! Looking for space to build your dream home? This 4-acre residential lot gives you plenty of room in a peaceful, scenic setting—and it’s not in a flood zone, so you can build with confidence. Bring your own builder and design the custom home you’ve always wanted. Want to do more with the land? You’ve got options! This property can be split

    Jennifer Bandlow LING REALTY, LLC

    540 Haynes Rd, Lakeland, FL 33809
  • /66

    $45,000

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

    1510 Ariana St Unit 150, Lakeland, FL 33803

    Welcome! Situated on a corner lot you will find this cozy home in a park with all the amenities. This home offers 2 bedroom 2 bath with a sun room, covered porch and carport. Entering the home you will step into an open area used for an office, additional dining space. From this area you have a view into the large living space, kitchen and dining room. These rooms overlook large bay windows

    Billy Martindale Village Mobile Living

    1510 Ariana St Unit 150, Lakeland, FL 33803
  • /43

    $69,900

    • 3 Beds
    • 2 Baths
    • 1,056 Sq Ft

    2274 Greenbrier Village Loop, Lakeland, FL 33810

    DISCOVER THIS BRIGHT AND SPACIOUS 3-BEDROOM, 2-BATHROOM 2020 HOME IN AN ALL-AGE COMMUNITY! Ideal for families and anyone seeking modern, effortless living. With an open-concept kitchen and living area, the layout feels expansive, perfect for entertaining and daily life. The split floorplan offers privacy and separation, with the bedrooms on opposite sides of the home. Situated on a spacious lot

    Whitney Campbell-Conkey Pelican's Nest Mobile Home Sales, LLC.

    2274 Greenbrier Village Loop, Lakeland, FL 33810
  • /45

    $36,500

    • 2 Beds
    • 2 Baths
    • 1,056 Sq Ft

    319 Pearl Ave, Lakeland, FL 33815

    MOTIVATED SELLER! EXPERIENCE THE SAVINGS OF LOWER LOT RENT IN THIS CHARMING 2-BEDROOM, 2-BATHROOM MOBILE HOME. A brand-new roof installed in 2024 and a well-maintained AC unit, serviced annually, offer both comfort and peace of mind. Inside, the living areas and bedrooms are cozy with carpeting, while the kitchen area features laminate flooring. A welcoming breakfast nook within the kitchen can

    Whitney Campbell-Conkey Pelican's Nest Mobile Home Sales, LLC.

    319 Pearl Ave, Lakeland, FL 33815
  • /9

    $25,000

    • 2 Beds
    • 2 Baths

    7405 N Socrum Loop Rd Unit Lot 100, Lakeland, FL 33809

    1986 BARR 2 Bedroom 2 Bathroom Double Wide Mobile Home with screened in porch.

    Amanda Steuwe Pine Ridge Estates

    7405 N Socrum Loop Rd Unit Lot 100, Lakeland, FL 33809
  • /6

    $42,900

    • 1 Bed
    • 1 Bath

    2850 New Tampa Hwy Unit 70, Lakeland, FL 33815

    An exciting neighborhood in a growing area, Shangri La is a well-maintained, professionally managed, manufactured housing community. Move your family to a 1 bed/1 bath home . With our flexible financing options, you could own your own home for cheaper than renting. Call us today to talk with one of our representatives and schedule a viewing of your potential new home!

    Tori Coil Shangri La

    2850 New Tampa Hwy Unit 70, Lakeland, FL 33815
  • /28

    $39,900

    • 2 Beds
    • 2 Baths
    • 854 Sq Ft

    1530 Paddock Ln, Lakeland, FL 33815

    This two-bedroom, two-bath unit is situated in a 55+ community in Lakeland, offering an open floor plan with a kitchen and a main bedroom featuring a closet and en-suite bath. The guest room also has a closet-extra room for an office. It has a screen porch and an enclosed porch as well. Shed, carport. The Hickory Hills Manor offers two swimming pools that are ideal for relaxing-tennis and

    Maribel Feliz Central Florida Mobile Home Sales, Inc

    1530 Paddock Ln, Lakeland, FL 33815
  • /6

    $47,900

    • 2 Beds
    • 1 Bath

    2850 New Tampa Hwy Unit 68, Lakeland, FL 33815

    Own your own home in a quiet, well-maintained neighborhood! This 2 bed/1 bath home has plenty of living space. Every day could feel like a vacation! Call us today to schedule a showing and see all the benefits of living in Shangri La, a professionally managed community. Ask about our special incentive programs! This one won't last long!

    Tori Coil Shangri La

    2850 New Tampa Hwy Unit 68, Lakeland, FL 33815
  • /63

    $35,000

    • 2 Beds
    • 2 Baths
    • 840 Sq Ft

    1510 Ariana St Unit 251, Lakeland, FL 33803

    CHARMING FULLY FURNISHED 2-BEDROOM, 2-BATHROOM HOME WITH A GENEROUS BACKYARD NESTLED IN A GATED COMMUNITY!! This home includes a double driveway providing extra parking space and is equipped with a critter screen that encloses the bottom exterior of the home. Moreover, it features BOTH a Florida room and a sunroom providing plenty of room for entertaining guests or setting up a man cave/office,

    Tina Carter Someday Mobile Home Sales, LLC

    1510 Ariana St Unit 251, Lakeland, FL 33803
  • /20

    $45,000

    • 2 Beds
    • 2 Baths

    1654 Big Cypress Blvd, Lakeland, FL 33810

    Welcome to Cypress Lakes 55+ Community with so many amenities. A beautifully updated 1994 Palm Harbor home offering comfort and modern touches throughout. This home boasts a brand-new air conditioner, a 2018 roof, and a home water softener and filtration system for added convenience. Inside, you'll find no carpet, just sleek vinyl plank flooring throughout, making maintenance a breeze. The

    Donovan Frantz Weichert, Realtors - Hallmark Properties

    1654 Big Cypress Blvd, Lakeland, FL 33810
  • /12

    $253,000

    • 2 Beds
    • 1 Bath
    • 1,075 Sq Ft

    938 E Lowell St, Lakeland, FL 33805

    Welcome to 938 E Lowell Street in Lakeland—a cozy 2-bedroom, 1-bath home with a bonus room that offers potential as a third bedroom, office, or flex space. Enjoy a brand new roof and a spacious backyard perfect for relaxing or entertaining. You can even catch a peek of Lake Parker from the front yard! Located on a quiet street with convenient access to parks, schools, and downtown, this home is

    Courtney Branch HOMESTEAD REAL ESTATE GROUP

    938 E Lowell St, Lakeland, FL 33805
  • /29

    $339,000

    • 4 Beds
    • 2 Baths
    • 1,922 Sq Ft

    2112 S San Gully Rd Unit 2112/2114, Lakeland, FL 33803

    Great investment opportunity in the heart of Lakeland. This tenant-occupied duplex features two2-bedroom, 1-bathroom units, each on a month-to-month lease—one rented at $1,000 per month and theother at $1,025. Both units are separately metered for water and electric, with tenants responsiblefor their own utilities. Centrally located with easy access to schools, shopping, and

    Kristin Kellin KELLER WILLIAMS REALTY SMART

    2112 S San Gully Rd Unit 2112/2114, Lakeland, FL 33803
  • /24

    $339,000

    • 4 Beds
    • 2 Baths
    • 1,922 Sq Ft

    2118 S San Gully Rd Unit 2118 /2120, Lakeland, FL 33803

    Great investment opportunity in the heart of Lakeland. This tenant-occupied duplex features two2-bedroom, 1-bathroom units. One unit is rented at $1,025 per month on a month-to-month lease,while the other is rented at $975 with a lease in place through December 31, 2025. Both units areseparately metered for water and electric, with tenants responsible for their own

    Kristin Kellin KELLER WILLIAMS REALTY SMART

    2118 S San Gully Rd Unit 2118 /2120, Lakeland, FL 33803
  • /52

    $839,900

    • 3 Beds
    • 2 Baths
    • 2,706 Sq Ft

    2331 D R Bryant Rd, Lakeland, FL 33810

    OWNER FINANCING AVAILABLE! Welcome to your private retreat! This beautifully maintained 4-bedroom, 2-bath estate sits on 4 tree-lined acres with a charming creek flowing along the back of the property. The classic brick exterior is both timeless and low maintenance, while the interior offers a spacious split floorplan designed for comfort and entertaining. Kick off your shoes in the expansive

    Dalton Yelvington S & D REAL ESTATE SERVICE LLC

    2331 D R Bryant Rd, Lakeland, FL 33810
  • /28

    $40,700

    • 2 Beds
    • 2 Baths
    • 960 Sq Ft

    368 Evie Way, Lakeland, FL 33813

    2 Bed / 2 Bath Move-In-Ready Home in a 45+ Community Highland Village in Lakeland, $990/month lot lease, this includes water, trash and amenities. Discover comfortable and carefree living in this beautifully maintained 2-bedroom, 2-bath home located in a peaceful 55+ community in Lakeland. This home is move-in ready and packed with features to enjoy Florida living at its finest! Home

    Linda Wilson Sunset Home Sales

    368 Evie Way, Lakeland, FL 33813
  • /78

    $65,000

    • 2 Beds
    • 2 Baths
    • 1,344 Sq Ft

    1510 Ariana St Unit 346, Lakeland, FL 33803

    TURNKEY Let the pictures do the talking! 2025 All-Weather Roof - 25 year warranty. Step into an updated, open kitchen with oak cabinets and tile floors. The separate dining room has an open view to the spacious living room and built-in-hutch with a TV, a wonderful area for entertaining or game night! Sliding glass doors connect to the front living area and indoor laundry with the newer washer

    Billy Martindale Village Mobile Living

    1510 Ariana St Unit 346, Lakeland, FL 33803
  • /63

    $415,000

    • 4 Beds
    • 2.5 Baths
    • 2,318 Sq Ft

    1910 Clubhouse Rd, Lakeland, FL 33813

    Spacious Colonial-style home nestled on a large .34-acre CORNER lot in the heart of Highlands with NO HOA! This beautifully maintained 4-bedroom, 2.5-bath home offers a perfect blend of charm and functionality. Inside, you’ll find a formal living room, a cozy family room with real wood floors, a formal dining room, and a convenient indoor laundry room. The kitchen opens to the family room and

    Heather Padgett EXP REALTY LLC

    1910 Clubhouse Rd, Lakeland, FL 33813
  • /67

    $699,999

    • 3 Beds
    • 2.5 Baths
    • 2,010 Sq Ft

    2911 Walker Rd, Lakeland, FL 33810

    Looking for Southern Comfort? Nothing beats this Charming Farm Ranch Retreat on 3.875 Acres!Welcome to 2911 Walker Rd, Lakeland, FL 33810—a stunning three-bedroom, two-bath farm ranch-style home that blends country living with modern comforts. Nestled on 3.875 fully fenced acres, this property offers privacy and room to roam, while still being conveniently located near I-4, major exits,

    Arlene Muldrew KELLER WILLIAMS REALTY SMART

    2911 Walker Rd, Lakeland, FL 33810
  • /62

    $37,400

    • 3 Beds
    • 2 Baths
    • 1,344 Sq Ft

    1549 Excalibur Ct, Lakeland, FL 33810

    Welcome home! Make this wonderul 3/2 split on a oversized lot yours today! This home features an open floor plan. The kitchen offers a walk-in pantry with plenty of storage. The master is located directly off of the the living area offering an en-suite bathroom and walk-in closet. On the opposite side of the home you have a hall bath between two additional bedrooms. If you love the outooors you

    Billy Martindale Village Mobile Living

    1549 Excalibur Ct, Lakeland, FL 33810
  • /18

    $49,900

    • 2 Beds
    • 2 Baths
    • 1,120 Sq Ft

    4610 Arlington Park Dr Unit 71, Lakeland, FL 33801

    Welcome Home to Quaint Comfort! Discover this delightful, clean 2-bedroom Palm Harbor home, offering a perfect blend of cozy living and open spaces in a friendly Lakeland neighborhood! Comfortable Living & Convenient Layout: New flooring... Step inside to an inviting open concept design that seamlessly connects the living room and kitchen. The spacious living room provides ample room for

    Terri Baker Schalamar Creek

    4610 Arlington Park Dr Unit 71, Lakeland, FL 33801
  • /35

    $320,000

    • 4 Beds
    • 2 Baths
    • 1,816 Sq Ft

    6849 Palomino Dr, Lakeland, FL 33811

    Move-in ready! Fully renovated 4/2 with new roof, new appliances, open layout & 2-car garage. No HOA = freedom & flexibility! Enjoy a fenced yard, covered patio & quick close. Don’t wait—schedule your tour today!Some photos are virtually staged.

    Judine Barlatier EXP REALTY LLC

    6849 Palomino Dr, Lakeland, FL 33811

Showing Results 561 - 600, Page 15 of 18

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