2,912

Ocala, FL Homes for Sale under $300,000

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  • /2

    $33,000

    • Land
    • 10,454 Sq Ft
    • $137,500 per Acre

    0 SW 77th Ave Rd Unit MFRS5134045, Ocala, FL 34473

    Vacant Residential Lot

    Michael Suazo PREFERRED REAL ESTATE BROKERS

    0 SW 77th Ave Rd Unit MFRS5134045, Ocala, FL 34473
  • /64

    $264,000

    $16K PRICE DROP
    • 4 Beds
    • 2 Baths
    • 2,257 Sq Ft

    2130 NE 9th St, Ocala, FL 34470

    Welcome to this large 4-bedroom, 2-bathroom home with an enclosed garage in the desirable Heritage Hills community. Step into a bright and open living space featuring both a spacious living room and a separate family room—perfect for entertaining, relaxing, or creating flexible spaces to suit your lifestyle. The generous 2,257 square feet of living area offers plenty of room for everyone to

    Angie Lester BOYD REAL ESTATE LLC

    2130 NE 9th St, Ocala, FL 34470
  • /11

    $35,000

    • Land
    • 11,761 Sq Ft
    • $129,630 per Acre

    0 W Hwy 40 Unit MFROM720384, Ocala, FL 34474

    Prime .27 acre lot zoned B4 with direct frontage on busy Hwy 40 but doesn't have corresponding land use. High visibility and strong traffic count make this an excellent location for a new or expanding business. Additional parcels available for purchase.

    Lisa Toler R N B REALTY

    0 W Hwy 40 Unit MFROM720384, Ocala, FL 34474
  • /27

    $274,990

    New Construction $12K PRICE DROP
    • 3 Beds
    • 2 Baths
    • 1,504 Sq Ft

    4607 SW 71st Lane Rd, Ocala, FL 34476

    Under Construction. Experience the ease of single-story living in this charming 3-bedroom, 2-bathroom home with an open concept and covered lanai. The thoughtfully designed layout connects the living, dining and kitchen areas creating an inviting atmosphere. Step outside to the covered lanai, extending your living space to the outdoors for relaxation or entertaining. The primary bedroom is

    Jessica Cruz DR HORTON REALTY OF WEST CENTRAL FLORIDA

    4607 SW 71st Lane Rd, Ocala, FL 34476
  • /20

    $175,000

    • 2 Beds
    • 2 Baths
    • 1,196 Sq Ft

    8173 SW 107th Place, Ocala, FL 34481

    Welcome to this well-maintained 2-bedroom, 2-bath home situated on a spacious lot in the desirable Palm Cay community of Southwest Ocala. Inside, you'll find a comfortable and functional layout featuring an expansive Florida room—perfect for entertaining, relaxing, or enjoying Florida's year-round sunshine. A single-car garage and generous outdoor space with fenced in yard provide plenty of room

    Giselle Rachels SOUTH CEDAR REAL ESTATE, INC

    8173 SW 107th Place, Ocala, FL 34481
  • /46

    $259,000

    • 3 Beds
    • 2 Baths
    • 1,713 Sq Ft

    5968 SW 103rd Loop, Ocala, FL 34476

    This beautifully maintained 3 Bedroom 2 Bath home is perfectly situated on a spacious and private "Parklike" backyard setting on .38 of an acre lot. This cozy floorplan features the living, dining and kitchen all open to each other with French Doors leading into the bonus room with its "large gazing window" to take in all the tranquil, peaceful and landscaped fenced backyard setting. The kitchen

    Julia Mcpherson FONTANA REALTY

    5968 SW 103rd Loop, Ocala, FL 34476
  • /21

    $274,000

    $101K PRICE DROP
    • Land
    • 2.31 Acres
    • $118,615 per Acre

    3653 NE Jacksonville Rd, Ocala, FL 34479

    Discover the perfect opportunity to invest in 2.31 acres of prime vacant land in Ocala, Florida! Zoned R3, this versatile property offers endless possibilities, including the potential for multi-family dwellings, townhouses, and neighborhood commercial uses. With an impressive 183 feet of frontage on NE Jacksonville Rd, this property boasts excellent visibility and accessibility. Conveniently

    Gea Gomez LPT REALTY, LLC

    3653 NE Jacksonville Rd, Ocala, FL 34479
  • /38

    $294,700

    New Construction $5K PRICE DROP
    • 4 Beds
    • 2 Baths
    • 1,580 Sq Ft

    2780 162nd Ln, Ocala, FL 34473

    NO HOA | NO CDD | BRAND NEW CONSTRUCTION NEVER LIVED IN.... Welcome to your next chapter. This gorgeous 4-bedroom, 2-bathroom new construction sits on a lot with no immediate neighbors on either side, giving you space and privacy that's genuinely hard to find at this price. Step inside and you'll notice right away: no carpet anywhere. Tile floors run throughout the main living areas, clean,

    Pedro Silva Nascimento EXP REALTY LLC

    2780 162nd Ln, Ocala, FL 34473
  • /37

    $280,000

    New Construction $30K PRICE DROP
    • 4 Beds
    • 3 Baths
    • 1,669 Sq Ft

    255 Marion Oaks Golf Rd, Ocala, FL 34473

    Welcome to this spacious and modern 4-bedroom, 3-bathroom home located in the heart of Marion Oaks. Offering 1,669 square feet of thoughtfully designed living space, this home provides the perfect balance of comfort and functionality. Step inside to a bright, open-concept layout ideal for everyday living and entertaining. The split floor plan ensures privacy, featuring a generously sized primary

    Lorraine da Silva Andrade TALENT REALTY SOLUTIONS

    255 Marion Oaks Golf Rd, Ocala, FL 34473
  • /34

    $276,000

    $4K PRICE DROP
    • 3 Beds
    • 2 Baths
    • 1,324 Sq Ft

    7728 SW 132nd Place, Ocala, FL 34473

    Built in 2022 and loaded with upgrades, this move-in ready home offers the feel of new construction without the wait. Featuring an open-concept layout, the home flows effortlessly from the spacious living area into a modern kitchen with granite countertops, stainless steel appliances, ample cabinetry, and convenient tip-out trays in both the kitchen and bathrooms. Thoughtful upgrades throughout

    Matthew Humphries GLOBALWIDE REALTY LLC

    7728 SW 132nd Place, Ocala, FL 34473
  • /38

    $270,000

    • 3 Beds
    • 2 Baths
    • 1,386 Sq Ft

    5832 NW 63rd Place, Ocala, FL 34482

    Welcome to your own private retreat at 5832 NW 63rd Place, Ocala, FL. This beautifully maintained 3-bedroom, 2-bathroom home offers modern comfort, stylish furnishings, and an incredible outdoor entertainment space that sets it apart from the rest.Step inside to discover a bright, open-concept floor plan featuring a spacious living area, well-appointed kitchen, and comfortable dining space

    Martin Wallace ARIUM REAL ESTATE, LLC

    5832 NW 63rd Place, Ocala, FL 34482
  • /49

    $238,000

    New Construction
    • 3 Beds
    • 2 Baths
    • 1,091 Sq Ft

    29 Olive Circle Loop, Ocala, FL 34472

    NEW, NEW, NEW! New Construction! New ENHANCED FLOOR PLAN! New REIMAGINED FEATURES! This home blends a timeless design with modern living. From the moment you walk through the front door you will feel the openness with the cathedral ceiling in the foyer, living room, and dining room! Durable ceramic tile flooring flows seamlessly throughout the home. The kitchen boasts stainless steel appliances,

    Michael Mazzurco KELLER WILLIAMS CORNERSTONE RE

    29 Olive Circle Loop, Ocala, FL 34472
  • /4

    $60,000

    • Land
    • 25,700 Sq Ft
    • $101,695 per Acre

    0 W Pine Terrace, Ocala, FL 34472

    BEAUTIFUL OVERSIZED LOT TO BUILD YOUR DREAM HOME.

    Rea Sugrim BERKSHIRE HATHAWAY HS FLORIDA

    0 W Pine Terrace, Ocala, FL 34472
  • /54

    $275,000

    $20K PRICE DROP
    • 3 Beds
    • 2 Baths
    • 1,682 Sq Ft

    86 Bahia Trace Trail, Ocala, FL 34472

    Welcome home to this 3-bedroom, 2-bath concrete block and stucco home in the highly desirable Crystal Lakes community on the growing southeast side of Ocala. Built by Stephens Construction, this spacious home offers 1,682 square feet of living space PLUS AN ADDITIONAL 319 (+/-) SQUARE FEET of enclosed lanai space — creating the perfect flex space for relaxing, entertaining, or additional living

    Dionne Peace COLDWELL BANKER VANGUARD LIFESTYLE REALTY

    86 Bahia Trace Trail, Ocala, FL 34472
  • /22

    $264,950

    $5K PRICE DROP
    • 3 Beds
    • 2 Baths
    • 1,248 Sq Ft

    4250 NW 26th Terrace, Ocala, FL 34475

    This beautiful three bedroom, two bathroom home (NEW 2023 Roof) sits on a large 0.36 acre lot in the quiet Tabor Park area of North Ocala. The moment you walk in, you notice the open space and the clean modern look. It feels fresh, bright, and easy to live in. The floors are bright solid tile through the main kitchen and living area of the home so there is no carpet to worry about. The kitchen is

    Drew Bedford KELLER WILLIAMS CORNERSTONE RE

    4250 NW 26th Terrace, Ocala, FL 34475
  • /30

    $138,900

    $3K PRICE DROP
    • 2 Beds
    • 1 Bath
    • 784 Sq Ft

    11776 NW 21st St, Ocala, FL 34482

    Virtually Staged. Welcome home to this beautiful 2024 manufactured home situated on approximately one-third of an acre in NW Ocala. Thismove-in ready property offers the perfect opportunity to own your own land while enjoying the comfort of a like-new home. Nestledamong mature trees, the backyard provides added privacy and a peaceful setting, all while being located on a quiet paved road.

    Aleida Tamayo OCALA KEY REALTY ,INC

    11776 NW 21st St, Ocala, FL 34482
  • /26

    $99,900

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

    7865 W Hwy 40 Unit 142B, Ocala, FL 34482

    Spacious 3-bedroom, 2-bath home located in a family-friendly community! This beautiful 2016 home features a wide-open floor plan with three generously sized bedrooms, two separate living areas, and a well-appointed kitchen complete with granite countertops, a breakfast bar, and stainless steel appliances. The primary suite offers a walk-in closet and a large en-suite bathroom featuring a makeup

    TINA ALSINA ALL FLORIDA HOME SALES, INC.

    7865 W Hwy 40 Unit 142B, Ocala, FL 34482
  • /25

    $275,000

    New Construction
    • 4 Beds
    • 2 Baths
    • 1,580 Sq Ft

    13195 SW 67th Ave, Ocala, FL 34473

    Be the first to live in this beautiful new construction home in Ocala! Offering 4 spacious bedrooms, 2 full bathrooms, and a thoughtfully designed open floor plan, this home provides the perfect blend of style, comfort, and functionality. The modern kitchen comes fully equipped with all stainless steel appliances, making it move-in ready from day one. The open-concept living and dining areas

    Alessandra Menna Barreto WRA BUSINESS & REAL ESTATE

    13195 SW 67th Ave, Ocala, FL 34473
  • /17

    $264,990

    New Construction $14K PRICE DROP
    • 3 Beds
    • 2 Baths
    • 1,402 Sq Ft

    4603 SW 71st Lane Rd, Ocala, FL 34476

    Under Construction. This all concrete block constructed open-concept home offers a great room that leads out to a covered lanai and highly functioning kitchen with a large granite island. At the front of the home, you will find two bedrooms with a full bathroom and laundry room. Bedroom 1 which includes an ensuite bath boasts an oversized shower and is located at the back of the home for maximum

    Jessica Cruz DR HORTON REALTY OF WEST CENTRAL FLORIDA

    4603 SW 71st Lane Rd, Ocala, FL 34476
  • /38

    $250,990

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

    4003 NW 44th Ave, Ocala, FL 34482

    Virtually Staged. Under Construction. Experience the ease of single-story living in this charming 3-bedroom, 2-bathroom home with an open concept and covered lanai. The thoughtfully designed layout connects the living, dining and kitchen areas creating an inviting atmosphere. Step outside to the covered lanai, extending your living space to the outdoors for relaxation or entertaining. The primary

    Jessica Cruz DR HORTON REALTY OF WEST CENTRAL FLORIDA

    4003 NW 44th Ave, Ocala, FL 34482
  • /71

    $279,899

    New Construction
    • 4 Beds
    • 2 Baths
    • 1,696 Sq Ft

    16553 SW 31st Cir, Ocala, FL 34473

    Virtually Staged. Under Construction. **Brand new 4-bed/2-bath house with many upgrades. Tile all over the place, even in the spacious bedrooms. Granite countertops in the kitchen and bathrooms. This home will have stainless steel appliances, including a microwave, dishwasher, refrigerator, and range. Ceiling fans, blinds, and a mailbox are included as well. Take advantage of this opportunity!!

    Soraya Resende S2J REALTY, LLC

    16553 SW 31st Cir, Ocala, FL 34473
  • /17

    $299,990

    New Construction $13K PRICE DROP
    • 3 Beds
    • 2 Baths
    • 1,831 Sq Ft

    3486 SW 155 Place, Ocala, FL 34473

    Efficient kitchen featuring white cabinetry, refrigerator, & quartz countertops.Connected dining area & great room create seamless flow for entertaining.Private primary suite for rest & relaxation.Polished primary bath featuring matte black finishes & walk-in closet.Formal home office provides a quiet space for working remotely.Inviting covered patio for outdoor

    K. Hovnanian Homes Builder
    3486 SW 155 Place, Ocala, FL 34473
  • /6

    $30,000

    • Land
    • 10,018 Sq Ft
    • $130,435 per Acre

    0 SW 141st Ct Unit MFRO6375187, Ocala, FL 34481

    Build your dream house in beautiful Ocala, Florida. Flat 75 ft x 135 ft lot. High and dry. Septic needed. Adjacent lot also for sale- buy both for more space or investment potential.

    Naresh Budhu PREMIUM PROPERTIES R.E. SERVICE

    0 SW 141st Ct Unit MFRO6375187, Ocala, FL 34481
  • /11

    $51,400

    $2K PRICE DROP
    • Land
    • 13,503 Sq Ft
    • $165,806 per Acre

    TBD SW 157th St, Ocala, FL 34473

    Welcome to Marion Oaks Unit 5 This .31-acre homesite sits on a quiet street surrounded by attractive, newer homes, With plenty of potential. mature trees and raw land, you’ll have the perfect canvas to design the landscaping you’ve always imagined. Located near I-75, multiple shopping centers, and a new Publix currently under construction. Marion Oaks is fast growing and a deed-restricted

    Tanya Pekrul, INTEGRITY FLORIDA REALTY LLC

    TBD SW 157th St, Ocala, FL 34473
  • /4

    $27,000

    $6K PRICE DROP
    • Land
    • 10,890 Sq Ft
    • $108,000 per Acre

    0000 SW 147th Street Rd, Ocala, FL 34473

    .25-acre residential lot is zoned R1, allowing for a single-family home with plenty of space for a yard, garden, or outdoor living area. Located in a peaceful neighborhood, this property offers easy access to major roads, shopping, schools, and local amenities while maintaining the quiet charm Marion Oaks is known for. With no HOA fees, you’ll enjoy the freedom to create a home that truly suits

    Cristina Osorio Norena EXP REALTY LLC

    0000 SW 147th Street Rd, Ocala, FL 34473
  • /36

    $250,000

    $20K PRICE DROP
    • 3 Beds
    • 2 Baths
    • 2,304 Sq Ft

    2800 SW 141st Ct, Ocala, FL 34481

    Discover the perfect blend of charm, flexibility, and location in this unique two-story home, now featuring fresh exterior paint and a brand new roof. Whether you're searching for a spacious single family residence or an income producing opportunity, this property offers exceptional versatility to fit your lifestyle.Each level provides its own private living space with a separate entrance

    Heather Wireman MAGNOLIA HOMES AND LAND LLC

    2800 SW 141st Ct, Ocala, FL 34481
  • /50

    $248,750

    • 3 Beds
    • 2 Baths
    • 1,609 Sq Ft

    2875 NE 49th St, Ocala, FL 34479

    Charming Country Setting on 2/3 Acre – No HOA! Escape the ordinary in this inviting North Ocala home nestled in a casual country setting on a generous 2/3-acre lot. With a brand-new 2025 roof and freshly painted exterior, this 3-bedroom, 2-bath residence is move-in ready and full of space to spread out and enjoy life. Inside, you'll find room for everyone — a welcoming living room, a cozy family

    Crystal McCall KELLER WILLIAMS CORNERSTONE RE

    2875 NE 49th St, Ocala, FL 34479
  • /9

    $50,000

    • Land
    • 13,939 Sq Ft
    • $156,250 per Acre

    0 SW 165th Place Unit MFROM724772, Ocala, FL 34473

    Build your dream home or secure your next investment opportunity in the fast-growing community of Marion Oaks! This corner lot features city water availability, paved road access, and nearby power, making development simple and cost-effective. Plus, the property is free of environmental concerns, helping save time and reducing additional building expenses. This prime homesite is ideally located

    Asher Abadi UDI LLC

    0 SW 165th Place Unit MFROM724772, Ocala, FL 34473
  • /22

    $240,000

    $15K PRICE INCREASE
    • 3 Beds
    • 2 Baths
    • 1,224 Sq Ft

    8940 SE 88th St, Ocala, FL 34472

    Virtually Staged. Welcome to this beautifully updated Ocala home, now featuring a brand-new 2026 roof for added peace of mind. This move-in ready property has been thoughtfully renovated with a modern kitchen, new flooring throughout, and stylishly upgraded bathrooms, creating a fresh and inviting space designed for comfortable living. Ideally located near shopping, dining, and major roadways,

    Andres Figueroa TRUE FLORIDA REALTY LLC

    8940 SE 88th St, Ocala, FL 34472
  • /2

    $56,500

    • Land
    • 17,859 Sq Ft
    • $137,805 per Acre

    0 SW 36th Avenue Rd Unit MFROM696906, Ocala, FL 34473

    Commercial Zoning. Marion Oaks. Build your business here - this .41 acres is conveniently located just off Hwy. 484 near I-75 & SR-200. The perfect location for a small business, recreational building, bicycle repair/sales, liquor store, etc. Enjoy a prime location just minutes from HWY 484, HWY 200, and I-75, offering quick access to shopping, dining, schools, parks and medical facilities. Only

    Peggy Pittas RE/MAX ALLSTARS REALTY

    0 SW 36th Avenue Rd Unit MFROM696906, Ocala, FL 34473
  • /21

    $270,990

    New Construction
    • 3 Beds
    • 2 Baths
    • 1,263 Sq Ft

    Abbey Plan at Marion Oaks, Ocala, FL 34473

    This new single-level home boasts a low-maintenance layout. Off the foyer, an open-concept floorplan combines the kitchen with the living and dining areas, and a convenient patio offers seamless indoor-outdoor transitions. Three bedrooms are tucked away to the side of the home, including the luxe owner’s suite in a private back corner.

    Lennar Builder
    8496 SW 135th Street Rd Unit 36950038, Ocala, FL 34473
  • /17

    $274,900

    $25K PRICE DROP
    • 3 Beds
    • 2 Baths
    • 1,879 Sq Ft

    5427 SW 87th Place, Ocala, FL 34476

    This 3/2 ranch-style home is perfectly situated on a spacious corner lot, offering an expansive backyard for outdoor enjoyment. The move-in-ready interior features a functional layout that flows seamlessly, complemented by a convenient two-car garage. Experience a blend of comfort and curb appeal in a well-maintained property designed for modern living.

    Robert Salmons ENTERA REALTY LLC

    5427 SW 87th Place, Ocala, FL 34476
  • /32

    $264,999

    • 3 Beds
    • 2 Baths
    • 1,644 Sq Ft

    2749 NE 60th Ln, Ocala, FL 34479

    Enjoy the perfect blend of modern updates and peaceful country living in this beautifully renovated 3/2 block home with a split floor plan. This home is tucked away at the end of a quiet cul-de-sac backing up to a picturesque farm and bordered by another farm on the side. This property offers exceptional privacy and scenic views while remaining just minutes from shopping and dining. Step inside

    Eugenia Traglia EXP REALTY LLC

    2749 NE 60th Ln, Ocala, FL 34479
  • /47

    $220,000

    $5K PRICE DROP
    • 3 Beds
    • 2 Baths
    • 1,265 Sq Ft

    3340 NW 44th Ct, Ocala, FL 34482

    Welcome to easy Florida living in this charming 3-bedroom, 2-bath home nestled in the peaceful 55+ community of Quail Meadow just minutes from the World Equestrian Center! Built in 1988 and thoughtfully designed with a desirable split floor plan, this home offers comfort, functionality, and plenty of space to entertain. The open kitchen flows seamlessly into the large living room, while the cozy

    Marie Aucamp SHOWCASE PROPERTIES OF CENTRAL

    3340 NW 44th Ct, Ocala, FL 34482
  • /21

    $145,000

    $5K PRICE DROP
    • 2 Beds
    • 1.5 Baths
    • 960 Sq Ft

    10300 SW 98th Terrace, Ocala, FL 34481

    SNOWBIRDS !!! Here's your chance. NEW ROOF - 2025, NEW HOT WATER HEATER - 2024, SEPTIC SERVICED AND EMPTIED - 2024. Great location in Pine Run Estates. This 2 Bedroom, 1.5 Bathroom is just the right size and completely Furnished. Master Bedroom has a nice Walk-in Closet and ensuite. Wonderful enclosed Lanai to sit and enjoy the Florida weather. Pine Run amenities include 2 clubhouses, 2 community

    Shawn Appleby RE/MAX FOXFIRE - HWY200/103 S

    10300 SW 98th Terrace, Ocala, FL 34481
  • /4

    $150,000

    $100K PRICE DROP
    • Land
    • 33,976 Sq Ft
    • $192,308 per Acre

    0 NE 22nd Ln, Ocala, FL 34470

    Bulk lot purchase available. The last 5 lots in Heather Trace Subdivision. Bulk sale only.

    Nolan Galloway GUS GALLOWAY REALTY INC

    0 NE 22nd Ln, Ocala, FL 34470
  • /2

    $28,000

    $2K PRICE DROP
    • Land
    • 10,454 Sq Ft
    • $116,667 per Acre

    TBD NW 65th Place, Ocala, FL 34482

    Motivated Seller! Vacant lot situated on a peaceful street, directly across from a working farm. The land has been largely cleared providing an ideal canvas for your new build. 7 miles from World Equestrian Center and easy access to I-75.

    Charlotte Dukes RE/MAX PREMIER REALTY

    TBD NW 65th Place, Ocala, FL 34482
  • /19

    $48,000

    $2K PRICE DROP
    • 3 Beds
    • 2 Baths

    2450 SW 38th Ave Unit 60, Ocala, FL 34474

    Double the Space, Single the Cost! Rare 3BR/2BA Home on Oversized Lot Looking for room to breathe? This expansive 3-bedroom, 2-bathroom home sits on a unique double lot, yet you only pay for one-giving you twice the outdoor space without the extra expense! The home has been meticulously maintained where it counts. Stay cool and worry-free with an A/C system that is only 3 years old, and enjoy

    Leona Drugalis KEN JONES LLC, Mobile Home Sales

    2450 SW 38th Ave Unit 60, Ocala, FL 34474
  • /2

    $42,900

    • Land
    • 18,295 Sq Ft
    • $102,143 per Acre

    0 SW 159th Ave, Ocala, FL 34481

    Discover the potential of this spacious lot in Ocala, where you can create your own retreat! Enjoy the peace and tranquility of the countryside while being just a short drive from local parks, shopping, and dining. Ocala is known for its beautiful landscapes, outdoor activities, and strong community vibe. Build your dream home or investment property in this prime location NEGOTIABLE

    Jorge Rodriguez AGENT TRUST REALTY CORPORATION

    0 SW 159th Ave, Ocala, FL 34481
  • /2

    $86,000

    $1K PRICE INCREASE
    • Land
    • 1.33 Acres
    • $64,662 per Acre

    0 0 Sw 125th Court Rd, Ocala, FL 34481

    Prime 1.33-Acre Lot in Rolling Hills — Rare Land Opportunity! Discover a unique chance to own 1.33 acres of residential land in the highly desirable Rolling Hills Unit 4 subdivision of Marion County (Ocala area). This spacious, level parcel zoned R-1 offers a blank canvas for your dream home, investment property, or future development. -Exceptional Location: Quiet, well-established neighborhood

    Dax Londono LPT REALTY, LLC

    0 0 Sw 125th Court Rd, Ocala, FL 34481

Showing Results 441 - 480, Page 12 of 18

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