434

Homes for Sale near Surfside Academy

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  • /26

    $540,000

    • 2 Beds
    • 2 Baths
    • 1,292 Sq Ft

    3731 Sage Way, Oceanside, CA 92057

    Come see and appreciate this clean, well maintained 2 bedroom / 2 bath Oceana home located just 5 miles from Oceanside Beaches. The home’s existing upgrades include duel pain vinyl windows, central heat, AC and re-piped water service lines. The home comes complete with large covered patio, 2 car garage, and clothes washer and dryer. Additional features include the home’s southern exposure and

    Kirk Johnson Oceana Resales and Rentals

    3731 Sage Way, Oceanside, CA 92057
  • /18

    $575,000

    $24K PRICE DROP
    • 3 Beds
    • 2 Baths
    • 1,480 Sq Ft

    3621 Vista Campana S Unit 84, Oceanside, CA 92057

    Remodeled and upgraded unit, with bonus room, now a 3rd bedroom, and large atrium accessed from living room and bedroom. Full home insulation including ceilings and walls; complete re-pipe (cold/hot water) in 2018 in ceiling; Dakin mini-split AC in Dec. 2022; torched down roof 2021; flooring natural stone 2018 & 2022; interior paint 2024/2025; electric car charger(30 amp) circuit in garage; all

    John Humphrey Coldwell Banker Realty

    3621 Vista Campana S Unit 84, Oceanside, CA 92057
  • /57

    $2,199,000

    • 4 Beds
    • 3.5 Baths
    • 2,220 Sq Ft

    4529 Cove Dr Unit 101, Carlsbad, CA 92008

    EXPERIENCE WATERFRONT LIVING IN BRISTOL COVE! This is a Bristol Cove Stunner!! This is a luxurious waterfront home with a double boat dock and just steps to all your favorite lagoon activities. With water views from just about every room, this home is great for entertaining, inside and out. Inside, you will find high ceilings and stunning extra-tall doors, granite countertops, stainless steel

    Cherise Zentic Pacific Sun Properties

    4529 Cove Dr Unit 101, Carlsbad, CA 92008
  • /2

    $715,900

    • 3 Beds
    • 3 Baths
    • 1,408 Sq Ft

    375 Summer Breeze Way, Oceanside, CA 92057

    This new three-story townhome offers ample space to live and grow. The second floor is host to an open-concept layout that blends the kitchen, living and dining areas for simple transitions and multitasking. Two bedrooms and a luxurious owner’s suite with a full bathroom and walk-in closet make up the third floor. OceanPointe is a new community offering brand-new, townhome-style condominium

    Mark Schultz Mark Schultz Broker

    375 Summer Breeze Way, Oceanside, CA 92057
  • /34

    $399,900

    $20K PRICE DROP
    • 2 Beds
    • 1.5 Baths
    • 802 Sq Ft

    432 Edgehill Ln Unit 95, Oceanside, CA 92054

    Discover this immaculate ground-level two-bedroom in Arbor Hill — a gated Oceanside community just minutes from the coast. Completely refreshed with brand-new LVP flooring, energy-efficient windows and sliding door, fresh paint, and oversized baseboards. This home has a bright, open layout with a welcoming living room that opens to a covered patio with extra storage. The primary suite features a

    Jeff Bast KW Temecula

    432 Edgehill Ln Unit 95, Oceanside, CA 92054
  • /27

    $549,000

    • 2 Beds
    • 1 Bath
    • 990 Sq Ft

    3828 Rosemary Way, Oceanside, CA 92057

    Must-see opportunity! Welcome to one of the most sought-after homes in the Oceana East II community. This charming home offers TWO PRIMARY BEDROOMS and a FULL BATH, thoughtfully designed for comfort and ease of living. As you approach, you're welcomed by a custom front door that opens into an inviting formal entry. The open floor plan flows from the kitchen to the dining area and into the

    Lynette Fox Coldwell Banker Realty

    3828 Rosemary Way, Oceanside, CA 92057
  • /65

    $1,049,000

    • 2 Beds
    • 2 Baths
    • 1,440 Sq Ft

    4705 Marina Dr Unit 10, Carlsbad, CA 92008

    Welcome Home to Coastal Living! Experience the best of Carlsbad’s coastal charm in this beautifully remodeled 2-bedroom, 2-bathroom home overlooking the serene Agua Hedionda Lagoon. Every detail has been thoughtfully designed to blend modern comfort with timeless style. Step inside to discover an open-concept kitchen and living area, where natural light pours through sliding glass doors that lead

    Michael Nucci HomeSmart Realty West

    4705 Marina Dr Unit 10, Carlsbad, CA 92008
  • /29

    $949,900

    $10K PRICE DROP
    • 4 Beds
    • 2 Baths
    • 2,067 Sq Ft

    241 Del Mesa St, Oceanside, CA 92058

    Price Reduction! Welcome to 241 Del Mesa Street. This beautiful single story home is ready for its new owners. 2067 sq feet of easy living. Double pane windows, laminate flooring in main living areas and carpet in the bedrooms. This home also has Solar which is approximately 6 years old. The solar is owned. HVAC is also approximately 6 years old. Enter into a formal living room and dining. The

    Brenda Bomar Gerson Properties

    241 Del Mesa St, Oceanside, CA 92058
  • /31

    $429,900

    • 2 Beds
    • 2 Baths
    • 1,046 Sq Ft

    3561 Boussock Ln, Oceanside, CA 92057

    Welcome home to 3561 Boussock Lane in the highly sought after Oceana South #2. This single story 2 bedroom, 2 bath, 1046 square foot end unit home is located in a quiet and peaceful 55+ community. Walking into the home you'll instantly be welcomed by tons of natural lighting filling the entire property. The living room has gorgeous views of the greenery and nature outside with ample room to relax

    Steve Ploetz Realty ONE Group Pacific

    3561 Boussock Ln, Oceanside, CA 92057
  • /31

    $919,000

    $11K PRICE DROP
    • 4 Beds
    • 3 Baths
    • 1,716 Sq Ft

    3201 Via Pescado, Carlsbad, CA 92010

    Gorgeous move-in ready recently up-graded townhome is centrally located near Carlsbad Village. 4 bed 2.5 baths end unit w/spacious enclosed patio and private entrance to 2 car garage. Lots of light on 3 sides with dual pane windows w/plantation shutters in the large open concept downstairs living room that flows into the dining room/family room area. Large kitchen, new refrigerator w/ icemaker.

    Jennifer Mitchell Deuel International Group, Inc

    3201 Via Pescado, Carlsbad, CA 92010
  • /2

    $4,000,000

    Pre-Foreclosure
    • 3 Beds
    • 2 Baths
    • 1,421 Sq Ft

    2650 Roosevelt St, Carlsbad, CA 92008

    Value is in the land for future development.

    Tommy Crudo Compass

    2650 Roosevelt St, Carlsbad, CA 92008
  • /4

    $3,980,000

    • Land
    • 37,897 Sq Ft
    • $4,574,713 per Acre

    4301 & 4311 Brooks Way, Carlsbad, CA 92008

    PRICING: 4301 Brooks Way - $2,290,000 4311 Brooks Way - $1,690,000 4301 Brooks Way - This approximately 0.49-acre parcel features roughly 52 feet of private lagoon frontage, providing panoramic views and direct access to water activities such as paddleboarding and kayaking. The site is graded and ready for development, with sewer, water, and electrical service stubbed to the property, offering a

    Alex Gudim Lee & Associates

    4301 & 4311 Brooks Way, Carlsbad, CA 92008
  • /15

    $689,900

    New Construction $10K PRICE INCREASE
    • 2 Beds
    • 2.5 Baths
    • 1,317 Sq Ft

    Oceanpointe 2 Plan at OceanPointe, Oceanside, CA 92057

    This new three-story townhome is designed for modern lifestyles. The main living area is located on the second floor among an open layout that blends the kitchen, living and dining areas to maximize interior space. Two bedrooms make up the third floor, including the lavish owner’s suite with a full bathroom and walk-in closet.

    Lennar Builder
    375 Summer Breeze Way Unit 38972371, Oceanside, CA 92057
  • /19

    $2,285,000

    • Land
    • 15,476 Sq Ft
    • $6,431,185 per Acre

    4332 Adams St, Carlsbad, CA 92008

    4332 Adams Street is one of three exceptional parcels ready for development, offering a rare shovel-ready opportunity to build a stunning custom coastal residence. Entitlements are already underway for a beautifully designed 4-bedroom, 4.5-bathroom home with a 3-car garage, thoughtfully planned to capture the character and views of this desirable Carlsbad neighborhood. The seller has completed

    Henry Olivier Kinetic Real Estate

    4332 Adams St, Carlsbad, CA 92008
  • /46

    $925,000

    • 2 Beds
    • 2.5 Baths
    • 1,219 Sq Ft

    1115 Sea Glass Way, Oceanside, CA 92054

    Beautifully upgraded end-unit townhome in the highly desirable Tides community of Oceanside! Ideally situated west of I-5 and less than a mile from the beach, this coastal retreat offers both style and convenience — and it is also an established rental property with a proven track record. The bright, modern kitchen features white shaker cabinetry, quartz countertops, a custom tile backsplash, and

    Cara Steele Compass

    1115 Sea Glass Way, Oceanside, CA 92054
  • /32

    $745,000

    $50K PRICE DROP
    • 3 Beds
    • 2 Baths
    • 1,040 Sq Ft

    177 Mayfair St, Oceanside, CA 92058

    This is your chance to own in the beautiful costal City of Oceanside located just a short drive to the beach, local mall and shopping. Come and see the possibilities. Newer Centra AC and heating. Home needs some updating but it has a lot of potential. "Sold As Is"

    Aldo Morales Santa Fe Hills Realty

    177 Mayfair St, Oceanside, CA 92058
  • /26

    $600,000

    • Land
    • 5,522 Sq Ft
    • $4,732,211 per Acre

    0 Clementine St Unit 5, Oceanside, CA 92054

    Build your custom dream home on this rare OCEAN VIEW hilltop lot in the rapidly appreciating "South O" coastal community. Nestled at the end of a private drive with no rear neighbors behind, maximizing both ocean and easterly views, this 0.5-mile-to-beach location offers unmatched coastal value. Save months of holding costs: owner's plans are already city-reviewed, near permit-ready, and NOT

    Nicole Mendoza Keller Williams San Diego Metro

    0 Clementine St Unit 5, Oceanside, CA 92054
  • /40

    $1,299,000

    $46K PRICE DROP
    • 3 Beds
    • 3 Baths
    • 1,728 Sq Ft

    2277 Dunstan St, Oceanside, CA 92054

    Recently price improved—best value in Fire Mountain for a move-in ready home on a large lot. Don’t miss it. Welcome to this upgraded gated home in the desirable Fire Mountain neighborhood of Oceanside, offering coastal living with space, privacy, and value. Situated on an expansive ~0.44-acre lot, the property features pleasant mountain views and a rare sense of openness. This light-filled

    Pan Guo Sunny Day Realty

    2277 Dunstan St, Oceanside, CA 92054
  • /50

    $1,049,000

    $100K PRICE DROP
    • 6 Beds
    • 3 Baths
    • 2,400 Sq Ft

    3617 Esplanade St, Oceanside, CA 92056

    Opportunity awaits with this spacious property full of incredible potential in a prime location! POOL HOME WITH STUDIO & 2 BEDROOM ADU. Originally a 4-bedroom, 2-bath home, this unique property also features a separate studio with its own bathroom plus a detached 2-bedroom, 1-bath ADU — ideal for multigenerational living, rental income, or creating your dream compound. Additional highlights

    Angelica Vaimaona Realty ONE Group Pacific

    3617 Esplanade St, Oceanside, CA 92056
  • /24

    $1,045,000

    • 4 Beds
    • 2.5 Baths
    • 2,029 Sq Ft

    1194 Via Candelas, Oceanside, CA 92056

    Enjoy gorgeous mountain views and ocean breezes from this detached single-family home located in the gated community of Pacific Ridge. Built in 2020, this newer construction home is low-maintenance, turnkey, and loaded with upgrades, including paid solar, new refrigerator, dishwasher, washer/dryer, plus new pavers and landscaping in the private backyard. The east-facing backyard opens to

    Susan Sherry Link Brokerages, Inc.

    1194 Via Candelas, Oceanside, CA 92056
  • /36

    $1,250,000

    • 3 Beds
    • 3 Baths
    • 1,527 Sq Ft

    1989 Seawind Way, Oceanside, CA 92054

    Set within the highly desirable Seawind community of Oceanside, this exceptional home offers beautiful ocean views and an impressive list of high-quality upgrades. Meticulously maintained by the current owners, no detail has been overlooked and no expense spared. Enjoy stunning ocean views from the expansive wraparound Trex deck — the perfect place to relax and take in breathtaking sunsets each

    Jeremy Beauvarlet Redfin Corporation

    1989 Seawind Way, Oceanside, CA 92054
  • /68

    $1,325,000

    • 2 Beds
    • 3 Baths
    • 2,191 Sq Ft

    301 Mission Ave Unit 601, Oceanside, CA 92054

    Luxury Penthouse only blocks to the Pier & Beach and Minutes to Oceanside Harbor! This single-story coastal condo is bright and beautiful with 2 Bedrooms, 2.5 bathrooms and den/office that can be converted to a 3rd bedroom. A spacious kitchen and pantry, huge dining area, inviting living room with fireplace and gorgeous hardwood floors throughout, Balconies off the dining room and master bedroom

    Christine Connorton HomeSmart Realty West

    301 Mission Ave Unit 601, Oceanside, CA 92054
  • /30

    $535,000

    • 2 Beds
    • 2.5 Baths
    • 1,210 Sq Ft

    4239 Vista Del Rio Way Unit 6, Oceanside, CA 92057

    Welcome to Quail Ridge! This beautifully updated end-unit condo offers privacy, comfort, and a prime location just a short drive to the coast. With 2 bedrooms and 2.5 bathrooms, this two-level home is thoughtfully designed for both everyday living and entertaining. Step inside to find fresh paint, newer windows, and an abundance of natural light throughout. The spacious layout features a wide

    Alan Shafran SRG

    4239 Vista Del Rio Way Unit 6, Oceanside, CA 92057
  • /31

    $1,059,999

    • 4 Beds
    • 2.5 Baths
    • 1,724 Sq Ft

    2983 Brandon Cir, Carlsbad, CA 92010

    Experience comfortable coastal living in the highly desirable community of The Cape at Calavera Hills. The kitchen is appointed with quartz countertops, a full-height quartz slab backsplash, soft-close drawers, and stainless steel appliances including refrigerator, stove, sink, and dishwasher. Tile flooring is featured on the main level, with upgraded laminate flooring upstairs. The primary

    Don Seo Seo Realty

    2983 Brandon Cir, Carlsbad, CA 92010
  • /54

    $1,349,000

    Open Sun 11AM - 2PM
    • 4 Beds
    • 2.5 Baths
    • 2,016 Sq Ft

    3555 Simsbury Ct, Carlsbad, CA 92010

    Nestled on a quiet cul-de-sac in The Knolls at Calavera Hills, this beautifully maintained 4-bedroom, 2.5-bath home offers 2,016 sqft of living space surrounded by the natural beauty of Calavera Nature Preserve. Tucked against open space with peaceful hillside views, the property enjoys exceptional privacy with only one neighboring home and no neighbors to the right or behind. Just steps away,

    Kelly Kohler Century 21 Affiliated

    3555 Simsbury Ct, Carlsbad, CA 92010
  • /33

    $3,200,000

    • 8 Beds
    • 8 Baths
    • 4,252 Sq Ft

    722 &718 N Freeman St, Oceanside, CA 92054

    2 parcels being sold together. Total of 8 units. Seller would consider selling the 2 parcels separately as long as they close at the same time. Lot's of opportunity in an area that is going through redevelopment, continues to improve and grow, becoming a major Tourist/Beach destination. Less than a mile to the Beach and Oceanside Harbor, Pier, Farmers Market, Thursday Night Sunset Market,

    Cherise Zentic Pacific Sun Properties

    722 &718 N Freeman St, Oceanside, CA 92054
  • /21

    $768,900

    New Construction $10K PRICE INCREASE
    • 3 Beds
    • 4 Baths
    • 1,826 Sq Ft

    Oceanpointe 4 Plan at OceanPointe, Oceanside, CA 92057

    On the first floor of this new three-story townhome is a convenient office, making it easy to focus on important tasks throughout the week. An open-concept floorplan with convenient access to a covered deck on the second floor encourages simple entertaining and multitasking. Three bedrooms can be found on the third level, including the luxe owner’s suite with a full bathroom.

    Lennar Builder
    375 Summer Breeze Way Unit 38972376, Oceanside, CA 92057
  • /37

    $699,000

    • 3 Beds
    • 2 Baths
    • 1,377 Sq Ft

    3404 Cameo Dr Unit 2, Oceanside, CA 92056

    Come experience refined coastal living at 3404 Cameo Drive #2 in the highly desirable Lomas de Oro community of Oceanside. The single level 3 bedroom, 2 bathroom end unit condominium is a spacious and comfortable living space well located within the community and natural open space. The living area is bright and open with large upgraded dual pane windows that allow for coastal breezes to cool the

    Ana Rosvall Realty ONE Group Pacific

    3404 Cameo Dr Unit 2, Oceanside, CA 92056
  • /43

    $1,749,000

    • 5 Beds
    • 4 Baths
    • 2,804 Sq Ft

    4682 Meadow Dr, Carlsbad, CA 92010

    Tucked away at the end of a peaceful cul-de-sac in the highly sought-after Summerhouse enclave of Calavera Hills, this exceptional Carlsbad residence offers the rare combination of space, versatility, and an unbeatable North County lifestyle. Situated on an oversized premium lot, the property provides an uncommon sense of privacy and possibility—perfect for outdoor entertaining, recreation, or

    Sonny Nevarez Compass

    4682 Meadow Dr, Carlsbad, CA 92010
  • /26

    $649,000

    $86K PRICE DROP
    • 2 Beds
    • 2 Baths
    • 994 Sq Ft

    2808 Winthrop Ave, Carlsbad, CA 92010

    2 bedroom and 2 bathroom ground level unit that has been tastefully remodeled as is ready for move-in! Spacious floorplan with extra high ceilings and tranquil canyon view. New kitchen with stainless appliance package, new LVP flooring, remodeled bathrooms and in-unit laundry. 1 garaged parking and 1 conveniently assigned parking space. Shows very well !!

    Jonathan Mann Strata Property Solutions Inc.

    2808 Winthrop Ave, Carlsbad, CA 92010
  • /10

    $157,000

    • 1 Bed
    • 1 Bath
    • 400 Sq Ft

    1046 S Cleveland St Unit 14, Oceanside, CA 92054

    Welcome to your own mini beach getaway just two blocks from the sand. Recently remodeled, this charming 1 bed, 1 bath mobile home offers the perfect coastal escape with a cozy layout, modern updates, and a relaxed beach vibe. Located within walking distance to the up-and-coming Downtown Oceanside, you’ll be close to local restaurants, coffee shops, shopping, nightlife, the pier, and everything

    Rigo Pantoja ERA Ranch & Sea Realty

    1046 S Cleveland St Unit 14, Oceanside, CA 92054
  • /47

    $549,000

    $10K PRICE DROP
    • 2 Beds
    • 2 Baths
    • 1,056 Sq Ft

    4378 Dowitcher Way, Oceanside, CA 92057

    Breathtaking mountain views set the tone for this peaceful 2-bedroom, 2-bath hilltop home, ideally located in the serene Oceana Mission 4 community. Surrounded by lush greenbelts and scenic walking paths, this residence offers a rare blend of tranquility, privacy, and everyday comfort. Thoughtfully updated throughout, the home features modern quartz countertops, newer flooring, refreshed

    Neda Nourani Compass

    4378 Dowitcher Way, Oceanside, CA 92057
  • /51

    $1,295,000

    $4K PRICE DROP
    • 5 Beds
    • 3 Baths
    • 2,648 Sq Ft

    4330 Forest Ranch Way, Oceanside, CA 92057

    Nestled within the highly sought-after gated community of River Ranch, this beautifully maintained 2,650 sq ft residence blends comfort, function, and timeless style with five bedrooms and three full baths. The main level features wood flooring and a spacious kitchen designed for both everyday living and effortless entertaining. A convenient downstairs bedroom and full bath add flexibility for

    Elizabeth Hilyard CENTURY 21 LEADERS REAL ESTATE

    4330 Forest Ranch Way, Oceanside, CA 92057
  • /12

    $650,000

    • Land
    • 4,756 Sq Ft
    • $5,952,381 per Acre

    1432 Buena St, Oceanside, CA 92058

    Here is your opportunity to own a vacant lot in Oceanside, ideally located near the I-5 Freeway, Downtown Oceanside and the beach. This level 4756 square foot lot offers both convenient street and alley access. The lot provides flexibility for future development (buyer to verify zoning, utilities, and building requirements with the city & state), making it suitable for builders, investors, or

    Linda Fitzgibbon HomeSmart Realty West

    1432 Buena St, Oceanside, CA 92058
  • /40

    $739,000

    • 3 Beds
    • 3 Baths
    • 1,366 Sq Ft

    4156 Sitio Cielo, Oceanside, CA 92057

    Welcome to 4156 Sitio Cielo, an upgraded, newer-construction townhome in the highly desirable Mission Lane community of Oceanside. Built in 2021, this thoughtfully designed two-story home showcases 3 bedrooms, 2.5 bathrooms, and approximately 1,366 square feet of bright, contemporary living space that balances comfort, efficiency, and modern style. The light-filled main level presents an

    Khila Ward eXp Realty of California Inc

    4156 Sitio Cielo, Oceanside, CA 92057
  • /51

    $2,795,000

    • 4 Beds
    • 4 Baths
    • 3,146 Sq Ft

    2819 Lido Place, Carlsbad, CA 92008

    Enjoy relaxed coastal living in this beachside community of Old Carlsbad. This Low maintenance, very private home features a resort style backyard with a custom pool, lounge area, and jacuzzi. Enjoy the water features and fire boxes from your spa for that perfect zen experience. The stacked dining room door provides a seamless transition whether you are dining indoors or al-fresco. The Chef's

    Cathy Coe Broker Associates - La Jolla

    2819 Lido Place, Carlsbad, CA 92008
  • /16

    $565,000

    • 2 Beds
    • 2 Baths
    • 1,480 Sq Ft

    3621 Vista Campana S Unit 16, Oceanside, CA 92057

    This lovely "Regency" (aka, Atrium) floor plan is likely the most desired plan in the 55+ Oceana Community Association! Moreover, this unit has an attached two car garage with walk out and direct access to the warm and inviting atrium. All single level, no steps to encounter, the 1,480 esf holds 2br and 2ba plus a den, all opening to the atrium! The den can easily opt for a 3rd/guest bedroom. The

    David Albert Pierview Properties

    3621 Vista Campana S Unit 16, Oceanside, CA 92057
  • /37

    $1,225,000

    $74K PRICE DROP
    • 2 Beds
    • 2 Baths
    • 1,210 Sq Ft

    4847 Flying Cloud Way, Carlsbad, CA 92008

    RENEWED OFFER: Seller is offering a concession for any accepted offer to purchase this property during the month of May 2026. 1%, credited in escrow, to the buyer to buy down the interest rate of a mortgage loan obtained to secured the purchase of this property. This offer is limited to a maximum concession of $10,000. In the event of an accepted cash offer the same maximum offering of $10,000

    Edwin Carneal LTF Real Estate Services

    4847 Flying Cloud Way, Carlsbad, CA 92008
  • /44

    $1,950,000

    • 4 Beds
    • 2.5 Baths
    • 2,368 Sq Ft

    5063 Millay Ct, Carlsbad, CA 92008

    Discover refined coastal living in this meticulously renovated home, where thoughtful luxury meets effortless family functionality. With very low HOA fees and Mello-Roos, this residence offers exceptional value in one of Carlsbad’s most desirable neighborhoods of Canterbury in Kelly Ranch —known for its top-rated schools, great parks, and convenient access to beaches, lagoons, shopping,

    Michelle Dastyck Elevate Real Estate Agency

    5063 Millay Ct, Carlsbad, CA 92008
  • /54

    $1,625,000

    $124K PRICE DROP
    • 3 Beds
    • 2 Baths
    • 1,680 Sq Ft

    2336 Kenwyn St, Oceanside, CA 92054

    Welcome to 2336 Kenwyn Street, a freshly reimagined single-level home in Oceanside’s desirable Fire Mountain neighborhood, just minutes from the beach, dining, shopping, and I-5. Set on an approximately 10,000 sq ft flat lot — rare for Fire Mountain — this property offers the space and flexibility buyers want: room to entertain, play, garden, add a pool, explore ADU possibilities, or simply enjoy

    Travis Homan-Gonzalez eXp Realty of Southern California, Inc.

    2336 Kenwyn St, Oceanside, CA 92054

Showing Results 281 - 320, Page 8 of 11

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