586

Ormond Beach, FL 1-Story Homes for Sale

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  • /66

    $667,500

    Open Sat 2PM - 4PM
    • 4 Beds
    • 3 Baths
    • 2,374 Sq Ft

    1418 Dolph Cir, Ormond Beach, FL 32174

    DIRECT GOLF-COURSE Halifax Plantation POOL home on a nearly half-acre lot just one mile from the club house, restaurant and other amenities. Situated on a quiet cul-de-sac where your lawn, hedges, fertilizer, irrigation and mulch are all covered by the association. This is a one of a kind, one-owner, concrete block home built by one of our area's most reputable builders, Paytas Homes, with

    Gina Sweringen Adams, Cameron & Co., Realtors

    1418 Dolph Cir, Ormond Beach, FL 32174
  • /53

    $1,275,000

    • 3 Beds
    • 2 Baths
    • 2,229 Sq Ft

    2944 Ocean Shore Blvd, Ormond Beach, FL 32176

    Wake up to the Atlantic just steps from your door with this rare coastal property in Ormond Beach where sweeping ocean views and true shoreline access create an exceptional opportunity. Located directly across from the dunes with riparian rights, this property includes ownership beyond the roadway to the sandy landscape itself, allowing you the unique ability to design and build your own private

    Brannon Owens Keller Williams Realty Florida Partners

    2944 Ocean Shore Blvd, Ormond Beach, FL 32176
  • /10

    $319,990

    New Construction $11K PRICE DROP
    • 3 Beds
    • 2 Baths
    • 1,328 Sq Ft

    1472 Morning Walk Dr, Ormond Beach, FL 32174

    The property is located at 1472 Morning Walk Drive ORMOND BEACH FL 32174 priced at 319990, the square foot and stories are 1328, 1.The number of bath is 2, halfbath is 0 there are 3 bedrooms and 2 garages. For more details please, call or email.

    D.R. Horton Builder
    1472 Morning Walk Dr, Ormond Beach, FL 32174
  • /10

    $384,990

    New Construction $42K PRICE DROP
    • 4 Beds
    • 3 Baths
    • 2,020 Sq Ft

    2502 Dorset Ct, Ormond Beach, FL 32174

    The property is located at 2502 Dorset Court ORMOND BEACH FL 32174 priced at 384990, the square foot and stories are 2020, 1.The number of bath is 3, halfbath is 0 there are 4 bedrooms and 3 garages. For more details please, call or email.

    D.R. Horton Builder
    2502 Dorset Ct, Ormond Beach, FL 32174
  • /7

    $555,000

    • 3 Beds
    • 2 Baths
    • 1,762 Sq Ft

    823 Creekwood Dr, Ormond Beach, FL 32174

    Perfectly sized and beautifully maintained, this just-under-1800 sq. ft. home is ideal for those looking to right-size without sacrificing comfort or quality. Located in the desirable, friendly Creekside neighborhood within the gated community of Plantation Bay, this home offers privacy, style, and a thoughtfully designed layout.Step through the elegant glass front door into an inviting

    Debra Sachs Venture Development Realty, Inc

    823 Creekwood Dr, Ormond Beach, FL 32174
  • /61

    $675,000

    • 4 Beds
    • 2 Baths
    • 2,575 Sq Ft

    1029 Stone Lake Dr, Ormond Beach, FL 32174

    Welcome to this beautifully maintained 4-bedroom, 2-bathroom home offering 2,575 square feet of living space in the highly sought-after Plantation Bay community. Designed with a thoughtful split-bedroom layout, this home provides ultimate privacy and comfort. Step inside to discover an open floor plan, where the spacious kitchen seamlessly flows into the inviting family room and informal dining

    Willow Hanna Keller Williams Realty Florida Partners

    1029 Stone Lake Dr, Ormond Beach, FL 32174
  • /47

    $439,990

    • 4 Beds
    • 3 Baths
    • 2,115 Sq Ft

    2853 Monaghan Dr, Ormond Beach, FL 32174

    Imagine starting your day on the front porch, enjoying the breeze and friendly neighborhood feel--this home was designed for exactly that kind of living. Located in Halifax Plantation, this upgraded 4BR/3BA home offers resort-style amenities including golf, pool, fitness center, and more.Inside, you'll find an open-concept layout with 8' interior doors, custom lighting throughout, and ceiling

    Nathan Mowery Florida Bluewater Realty LLC

    2853 Monaghan Dr, Ormond Beach, FL 32174
  • /80

    $675,000

    $20K PRICE DROP
    • 4 Beds
    • 3 Baths
    • 2,652 Sq Ft

    52 Cambridge Trace, Ormond Beach, FL 32174

    Nestled in the highly sought-after Hunter’s Ridge community, this beautifully maintained 4-bedroom, 3-bath pool home is on an expansive 0.38-acre lot. The garage includes a mini split AC unit, ceiling fan, TV, and electric screen with remote. The home also features a central vacuum system and custom California Closets in all four bedrooms and the pantry. Recent updates include a fully fenced

    Patricia Collado COLLADO REAL ESTATE

    52 Cambridge Trace, Ormond Beach, FL 32174
  • /13

    $459,730

    New Construction
    • 3 Beds
    • 2.5 Baths
    • 2,181 Sq Ft

    437 Brookhaven Trail, Ormond Beach, FL 32174

    The Coral floorplan in Legends Preserve, offers an open-concept plan with 3 bedrooms, 2.5 bathrooms and a 3-car garage. The flex room is the perfect space for a hobby room or bonus area for the kids.

    Meritage Homes Builder
    437 Brookhaven Trail, Ormond Beach, FL 32174
  • /23

    $239,000

    $21K PRICE DROP
    • 2 Beds
    • 2 Baths
    • 1,600 Sq Ft

    2471 Kimball Dr Unit 63, Ormond Beach, FL 32174

    This charming manufactured home is located in a vibrant 55+ community, offering modern living with spacious open floor plans, energy-efficient appliances, and abundant natural light. The home features high-quality finishes and a comfortable layout designed for easy living. The community itself is packed with fantastic amenities, including a clubhouse, heated pool, fitness center, walking trails,

    Donovan Frantz Weichert, Realtors - Hallmark Properties

    2471 Kimball Dr Unit 63, Ormond Beach, FL 32174
  • /48

    $354,900

    Open Sun 11AM - 1PM $9K PRICE INCREASE
    • 3 Beds
    • 1.5 Baths
    • 1,282 Sq Ft

    14 Essex Dr, Ormond Beach, FL 32176

    Beachside Living Between the River and the SeaThis home is located between the Intracoastal Waterway and the Atlantic Ocean. The interior features an open floor plan anchored by vaulted wood beam ceilings, creating a spacious and inviting atmosphere for modern living.A front sunroom provides a bright space for relaxation, while the glass-enclosed back patio offers views of the fully

    Amy Potter Adams, Cameron & Co., Realtors

    14 Essex Dr, Ormond Beach, FL 32176
  • /5

    $600,900

    New Construction
    • 4 Beds
    • 3 Baths
    • 2,193 Sq Ft

    Juliette III Plan at Plantation Bay - Westlake Single Family, Ormond Beach, FL 32174

    The Juliette III is a stunning 2,193-square-foot, single-story home with four bedrooms, three baths, and a three-car garage. The open-concept layout features an elegant living room that flows into a deluxe kitchen with an oversized island and adjacent dining area, perfect for gatherings. The master suite is a private retreat with a walk-in closet, dual vanities, and a walk-in shower. ICI Homes’

    ICI Homes Builder
    100 Plantation Bay Dr Unit 36495390, Ormond Beach, FL 32174
  • /45

    $499,900

    Open Sat 12PM - 3PM $19K PRICE DROP
    • 4 Beds
    • 3 Baths
    • 2,127 Sq Ft

    3024 Adrian Dr, Ormond Beach, FL 32174

    Welcome to 3024 Adrian Drive located in the highly sought-after community of Halifax Plantation in Ormond Beach! Built in 2023 by LandSea Homes, this beautifully designed Florence model offers 4 bedrooms, 3 bathrooms, a versatile bonus room, and a spacious 3-car garage with 2,127 square feet of thoughtfully designed living space. This open-concept, split floor plan is filled with natural light

    Kathy Johnston Lifestyle Realty Group Inc

    3024 Adrian Dr, Ormond Beach, FL 32174
  • /33

    $235,000

    • 2 Beds
    • 2 Baths
    • 873 Sq Ft

    3110 Ocean Shore Blvd Unit 113, Ormond Beach, FL 32176

    This FULLY FURNISHED 2 bedroom, 2 bath unit has ocean views and is conveniently located in beautiful Ormond by the Sea. Experience the best of coastal living in this beautifully furnished, well maintained unit that's just steps from the HEATED community pool, clubhouse, and direct beach access. Conveniently located on the ground floor, this unit offers easy access and is especially perfect for

    Alisa Rogers Oceans Luxury Realty Full Service LLC

    3110 Ocean Shore Blvd Unit 113, Ormond Beach, FL 32176
  • /44

    $449,900

    • 2 Beds
    • 2 Baths
    • 1,175 Sq Ft

    915 Ocean Shore Blvd Unit 2010, Ormond Beach, FL 32176

    Oceanfront living in the heart of Ormond Beach. This 2nd-floor corner unit offers sweeping Atlantic Ocean views and direct beach access. Unit 201 features a light-filled layout with an open living and dining area, tile flooring, and sliding glass doors that lead to a private balcony overlooking the shoreline. The kitchen provides ample cabinetry and counter space, while the primary suite includes

    Roger Maynard Realty Pros Assured

    915 Ocean Shore Blvd Unit 2010, Ormond Beach, FL 32176
  • /37

    $497,000

    • 3 Beds
    • 2 Baths
    • 1,983 Sq Ft

    180 Black Hickory Way, Ormond Beach, FL 32174

    Beautiful Pool Home in Breakaway Trails - Ormond Beach Welcome to 180 Black Hickory Way, a stunning and well-maintained 3-bedroom, 2-bath pool home located in the highly desirable Breakaway Trails community of Ormond Beach. This spacious single-story residence offers nearly 2,000 sq. ft. of comfortable living space in a quiet, secure neighborhood with a 24-hour guard-gated entrance. Step inside

    Amanda Garner Oceans Luxury Realty Full Service LLC

    180 Black Hickory Way, Ormond Beach, FL 32174
  • /85

    $1,099,900

    • 4 Beds
    • 5 Baths
    • 4,012 Sq Ft

    34 Emerald Oaks Ln, Ormond Beach, FL 32174

    Welcome to 34 Emerald Oaks Lane, an exceptional residence nestled within a prestigious gated community. This elegant home showcases rich hardwood floors throughout and an expansive, chef-inspired kitchen designed for both everyday living and refined entertaining, complete with a well-appointed butler's pantry. A private in-law suite with its own full kitchen offers ideal accommodations for guests

    Bill Navarra Realty Pros Assured

    34 Emerald Oaks Ln, Ormond Beach, FL 32174
  • /38

    $389,900

    • 4 Beds
    • 2 Baths
    • 2,003 Sq Ft

    42 Huntington Place, Ormond Beach, FL 32174

    Welcome to this beautifully maintained 4-bedroom, 2-bath home with a 2-car garage in the sought-after 55+ community of Huntington Village. The OPEN FLOOR PLAN flows through spacious living and dining areas into a large kitchen featuring 42-inch cabinets with crown molding, quartz countertops, stainless steel appliances, and a SECOND ISLAND. Enjoy the SCREENED PORCH and patio overlooking a PRIVATE

    Rola Michael RE/MAX Signature

    42 Huntington Place, Ormond Beach, FL 32174
  • /41

    $369,000

    New Construction
    • 2 Beds
    • 2 Baths
    • 1,600 Sq Ft

    82 Wrendale Loop, Ormond Beach, FL 32174

    PHASE 2 CLOSEOUT PRICING! LAST OF THIS MODEL AVAILABLE. BEAUTIFUL BRAND-NEW PLATINUM HOME BUILDERS HOME IN THE HUNTERS RIDGE 55 PLUS COMMUNITY!! THE AZALEA MODEL FEATURES 2 BEDROOMS, 2 FULL BATHS, LARGE KITCHEN WITH ISLAND. KITCHEN FEATURES INCLUDE SOLID WOOD 42'' CABINETS WITH SOFT CLOSE DOORS & DRAWERS, UNDER CABINET LIGHTING, BACKSPLASH TILE, SS APPLIANCES AND PANTRY. THE FLOORS ARE TILED WITH

    Melissa Rechichar Collado Real Estate

    82 Wrendale Loop, Ormond Beach, FL 32174
  • /10

    $399,990

    New Construction $7K PRICE DROP
    • 4 Beds
    • 3 Baths
    • 2,020 Sq Ft

    2501 Dorset Ct, Ormond Beach, FL 32174

    The property is located at 2501 Dorset Court ORMOND BEACH FL 32174 priced at 399990, the square foot and stories are 2020, 1.The number of bath is 3, halfbath is 0 there are 4 bedrooms and 3 garages. For more details please, call or email.

    D.R. Horton Builder
    2501 Dorset Ct, Ormond Beach, FL 32174
  • /35

    $329,000

    $10K PRICE DROP
    • 2 Beds
    • 2 Baths
    • 1,763 Sq Ft

    3101 Inishmore Dr, Ormond Beach, FL 32174

    Maintenance-free living at its finest! With a *new roof in 2023* and meticulous upkeep throughout, this 2-bedroom home with an additional office/den in beautiful Halifax Plantation is sure to impress. The spacious living room features hardwood floors and a cozy fireplace (electric--converted from propane), creating the perfect setting for relaxing evenings or entertaining guests. The kitchen

    Cheryl Whelan Keller Williams Realty Florida Partners

    3101 Inishmore Dr, Ormond Beach, FL 32174
  • /37

    $500,000

    • 3 Beds
    • 2 Baths
    • 1,820 Sq Ft

    438 Long Cove Rd, Ormond Beach, FL 32174

    Luxury Living in Plantation Bay | Private Pool Oasis with Brand New Roof. Step into the ultimate Florida lifestyle in the prestigious gated community of Plantation Bay. Tucked away on a quiet cul-de-sac at Largo Grande--just past the stunning new Founder's Club and championship golf course--this 3-bedroom, 2-bathroom pool home is the private retreat you've been searching for! From the moment you

    Will Ferro LPT Realty, LLC

    438 Long Cove Rd, Ormond Beach, FL 32174
  • /78

    $574,900

    $225K PRICE DROP
    • 3 Beds
    • 2 Baths
    • 2,442 Sq Ft

    213 Riverbend Rd, Ormond Beach, FL 32174

    Renovated Modern Contemporary Estate on 1.05 Acres — Priced Below Recent Appraisals — Close to Town & Beach! Beautifully renovated and custom-designed modern estate on a high-and-dry 1.05-acre lot just minutes from town and the beach. Priced well below recent appraised values, this home presents an exceptional opportunity for buyers seeking space, style, and location. Bring your RV, boat, or golf

    Gregory Simony DESTINATION VACATION FLORIDA,

    213 Riverbend Rd, Ormond Beach, FL 32174
  • /60

    $454,900

    • 2 Beds
    • 2 Baths
    • 1,643 Sq Ft

    21 Southampton St, Ormond Beach, FL 32174

    Newly designed Arbor III townhome with a desirable side entrance. (Currently, the only Arbor III available) A stunning etched glass front door welcomes you into a private foyer, setting the tone for this thoughtfully designed home. Enjoy an expansive open-concept layout for modern living and entertaining. The kitchen features elegant 42'' cabinetry, a large center island, quartz countertops,

    Debbie Spelman Venture Development Realty, Inc

    21 Southampton St, Ormond Beach, FL 32174
  • /10

    $338,990

    New Construction $2K PRICE INCREASE
    • 4 Beds
    • 2 Baths
    • 1,498 Sq Ft

    1476 Morning Walk Dr, Ormond Beach, FL 32174

    The property is located at 1476 Morning Walk Drive ORMOND BEACH FL 32174 priced at 338990, the square foot and stories are 1498, 1.The number of bath is 2, halfbath is 0 there are 4 bedrooms and 2 garages. For more details please, call or email.

    D.R. Horton Builder
    1476 Morning Walk Dr, Ormond Beach, FL 32174
  • /11

    $349,990

    New Construction $19K PRICE DROP
    • 5 Beds
    • 2 Baths
    • 1,708 Sq Ft

    125 Heirloom Dr, Ormond Beach, FL 32174

    The property is located at 125 Heirloom Drive ORMOND BEACH FL 32174 priced at 349990, the square foot and stories are 1708, 1.The number of bath is 2, halfbath is 0 there are 5 bedrooms and 2 garages. For more details please, call or email.

    D.R. Horton Builder
    125 Heirloom Dr, Ormond Beach, FL 32174
  • /30

    $362,500

    • 3 Beds
    • 2 Baths
    • 1,673 Sq Ft

    4121 Acoma Dr, Ormond Beach, FL 32174

    Experience the convenience of a newer-built home, without the wait and under market value, in Wexford Reserve. This exceptional, nearly-new ''HALLE'' model residence features an airy, open-concept design with an abundance of natural light. At the heart of the home, a gourmet kitchen serves as a stunning centerpiece, with elegant Corian surfaces, stainless steel appliances, an expansive suite of

    Lisa Reeley LLC Oceans Luxury Realty Full Service LLC

    4121 Acoma Dr, Ormond Beach, FL 32174
  • /64

    $360,000

    • 2 Beds
    • 2 Baths
    • 1,225 Sq Ft

    1415 Ocean Shore Blvd Unit 609, Ormond Beach, FL 32176

    Wake up to the rhythm of the waves, the call of seagulls, & the unmistakable charm of coastal living. This beautifully remodeled condominium invites you to savor the ''salt life'' every single day, where thoughtful design meets effortless beachside comfort. The kitchen & both bathrooms have been expertly reimagined with quality finishes, creating spaces that are as functional as they are stylish.

    Marsha Evans Realty Pros Assured

    1415 Ocean Shore Blvd Unit 609, Ormond Beach, FL 32176
  • /58

    $355,000

    • 2 Beds
    • 2 Baths
    • 1,603 Sq Ft

    51 Wrendale Loop, Ormond Beach, FL 32174

    Welcome to the effortless elegance of the Chenille floor plan, an impeccably maintained villa situated within the highly coveted 55 plus community of Huntington Villas at Hunter's Ridge. Crafted by Platinum Builders, this residence offers a sophisticated blend of comfort and style with two bedrooms, two bathrooms, and a versatile den. Spanning over 1,600 square feet of living space, the open

    Lyn Gildon Realty Pros Assured

    51 Wrendale Loop, Ormond Beach, FL 32174
  • /11

    $78,900

    • 3 Beds
    • 2 Baths
    • 933 Sq Ft

    1300 Hand Ave Unit 26F, Ormond Beach, FL 32174

    Welcome to Pinewood in Ormond Beach, Florida, where this Cavco Summit model (24x40) double wide manufactured home is ready for you. Offering 3 bedrooms, 2 bathrooms, and 933 square feet of functional living space, this home blends efficiency, comfort, and affordability in one of Florida's most desirable regions. Enjoy an open floor plan perfect for everyday living, along with the reliability of

    Jona Ruser Pinewood MHP

    1300 Hand Ave Unit 26F, Ormond Beach, FL 32174
  • /52

    $899,900

    • 3 Beds
    • 2 Baths
    • 3,034 Sq Ft

    1680 Old Tomoka Rd W Unit W, Ormond Beach, FL 32174

    THIS SELLER IS MOTIVATED!!! Are you looking for living space and acreage in the center of Ormond? Well this is it! This property is west on Granada right past I-95 and you make a left on Booth Road. It is across from Calvary and east of the Tomoka River, making commutes extremely easy and very manageable. It is adjacent to the new Avalon Park development. This property is in Volusia County,

    Christina Davis Realty Pros Assured

    1680 Old Tomoka Rd W Unit W, Ormond Beach, FL 32174
  • /41

    $699,000

    Open Sun 1PM - 3PM $86K PRICE DROP
    • 3 Beds
    • 2 Baths
    • 1,721 Sq Ft

    358 Oak Dr, Ormond Beach, FL 32176

    Welcome to the Coral Cottage, a thoughtfully designed mid-century ranch where every finish, every choice, and every detail has been intentionally selected. This is not simply an updated home; it is a curated living experience offering timeless style and effortless coastal living in one of Ormond Beach's most desirable beachside locations. Extensive interior and exterior improvements create a

    Allison Gartrell Adams, Cameron & Co., Realtors

    358 Oak Dr, Ormond Beach, FL 32176
  • /14

    $239,500

    • 3 Beds
    • 2 Baths
    • 1,206 Sq Ft

    1759 Valencia Ave, Ormond Beach, FL 32174

    This 3 bedroom 2 bath in Ormond beach has 1206 sq ft. very nice screen room and fenced in yard. Home has just been repainted and updated flooring. Your private oasis in the middle of town.Tenants in place. Lease does not expire until3/31/2027. Showings would be 24 hour notice.

    Barbara Burnes Elite Real Estate and Property Mgmt

    1759 Valencia Ave, Ormond Beach, FL 32174
  • /49

    $600,000

    • 4 Beds
    • 3 Baths
    • 1,840 Sq Ft

    9 Shadow Ln, Ormond Beach, FL 32174

    TWO HOMES - ONE PROPERTY sitting on just over an acre! 4 Bed 3 Full Bath with heated pool/spa country home that has a separate additional 3 Bed 2 Full Bath 1200sq ft Above Garage Living with a 60ft long balcony! The Main home offers 2 master suits, wood burning fireplace and plenty of upgrades including New Roof 2022, HVAC and ductwork throughout 2024, Smart Pool Pump with high efficiency heater

    Rheanna Dawn Monroe Realty Pros Assured

    9 Shadow Ln, Ormond Beach, FL 32174
  • /10

    $458,620

    New Construction
    • 4 Beds
    • 3 Baths
    • 2,487 Sq Ft

    Jade Plan at Ridgehaven - Reserve Series, Ormond Beach, FL 32174

    Are you ready to buy a home? The Jade floorplan in Ridgehaven offers an open-concept plan with 4 bedrooms, 3 bathrooms and a 3-car garage. Primary suite includes tray ceiling and a large walk-in closet. The flex room is the perfect space to work.

    Meritage Homes Builder
    104 Foresthaven St Unit 37076714, Ormond Beach, FL 32174
  • /53

    $625,000

    • 4 Beds
    • 3 Baths
    • 1,870 Sq Ft

    792 Marvin Rd, Ormond Beach, FL 32176

    Welcome to 792 Marvin Road, a pristine coastal retreat nestled in the coveted beachside enclave of Ormond Beach—just one block from Seabreeze High School and moments from the Atlantic shoreline. This impeccably maintained 4-bedroom, 3-bathroom residence offers over 2,200 square feet of thoughtfully designed living space, blending timeless elegance with modern convenience. From the moment you

    Cydney Reagan 1st Class Real Estate Reagan Realty

    792 Marvin Rd, Ormond Beach, FL 32176
  • /20

    $138,000

    $10K PRICE DROP
    • 2 Beds
    • 1 Bath
    • 834 Sq Ft

    1304 Arroyo Pkwy, Ormond Beach, FL 32174

    Spacious home on owned land in Ormond Beach with no HOA and no lot rent, offering an ideal step-up opportunity in the neighborhood. This property features a larger floor plan, dedicated office space, carports, and a screened porch that expands everyday living. Inside you'll find a comfortable layout with natural light and multiple flexible-use areas. The yard provides room for pets, gardening,

    Joan Burnett Simply Real Estate

    1304 Arroyo Pkwy, Ormond Beach, FL 32174
  • /52

    $449,000

    • 3 Beds
    • 2 Baths
    • 1,805 Sq Ft

    12 Cameo Cir, Ormond Beach, FL 32174

    Great Breezes and convenient location make this a ideal spot to call home. This immaculate, solid built home sits on a over sized lot and has been professionally and completely remodeled. The updates invite comfort and well being with 3 bedrooms, 2 bathrooms, generous living space and modern finishings. You'll enjoy a perfect setting for relaxing and entertaining. This home is characterized by

    Stephen Hachey Flat Fee MLS Realty

    12 Cameo Cir, Ormond Beach, FL 32174
  • /11

    Price To Be Determined

    New Construction
    • 5 Beds
    • 2 Baths
    • 1,708 Sq Ft

    DUNDEE Plan at Sunside at Ormond Station, Ormond Beach, FL 32174

    Welcome to the Dundee, one of our one-story floorplans available in the beautiful community of Sunside in Ormond Beach, Florida. This spacious 5-bedroom, 2-bathroom home offers 1,708 square feet of modern, comfortable living. Step inside to an inviting open-concept layout where the kitchen, living, and dining areas flow seamlessly together perfect for both everyday living and entertaining guests.

    D.R. Horton Builder
    13 Honeybell Way Unit 39768976, Ormond Beach, FL 32174

Showing Results 401 - 440, Page 11 of 15

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