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Ormond Beach, FL Homes for Sale with No HOA Fee

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  • /42

    $675,000

    • 5 Beds
    • 3.5 Baths
    • 2,348 Sq Ft

    153 University Cir, Ormond Beach, FL 32176

    5 Bedroom, 4 Bath Pool Home including Mother in law Suite! Tucked away at the end of a quiet cul-de-sac, this oceanside pool home is a short stroll from the beach; spacious & family-friendly, the yard is a retreat for the whole family and your furry friends! Inside you will find a bright and spacious kitchen with SS appliances, right off the kitchen is your laundry room with a half bath. There

    Kayla Williams Realty Pros Commercial

    153 University Cir, Ormond Beach, FL 32176
  • /2

    $599,999

    • Land
    • 0.91 Acre
    • $659,340 per Acre

    433 S Yonge St, Ormond Beach, FL 32174

    EXCELLENT SIGNALED CORNER .91 ACRE LOT at the NE Corner of US 1 and Hand Ave in Ormond Beach City Limits. B-5 Service Commercial Zoning. Previous building demolished and there may be possible impact fee credits available for Police, Fire, & Roads, and Water & Sewer. 21,388 Avg Daily Traffic Count. City Utilities on or near site include 6'' water line on US 1 and 8' sewer line within property.

    Jami Gallegos Lifestyle Realty Group Inc

    433 S Yonge St, Ormond Beach, FL 32174
  • /20

    $169,900

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

    108 Green Forest Dr, Ormond Beach, FL 32174

    This 2004 Homes of Merit has 2-bedrooms and 2-full baths, with flex space which can be used as office or 3rd bedroom. This home has 1248 square feet of living space with an additional 180 square feet of bonus space in the Florida Room. The kitchen has newer cabinets with stone countertops and newer appliances. The home features laminate flooring throughout, primary suit has newly remodeled

    Quinton Frieze SUNBELT HOME SALES INC

    108 Green Forest Dr, Ormond Beach, FL 32174
  • /42

    $275,000

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

    105 Colina Place, Ormond Beach, FL 32174

    Welcome to 105 Colina Place, a charming 2-bedroom, 2-bath home nestled on a quiet street in the heart of Ormond Beach. This well-maintained residence features a spacious, open living and dining area filled with natural light, creating a comfortable and welcoming atmosphere. The kitchen offers ample cabinet and counter space, with convenient access to the main living areas perfect for everyday

    Patrick O'Brien O'Brien Real Estate LLC

    105 Colina Place, Ormond Beach, FL 32174
  • /10

    $352,990 New Construction

    • 4 Beds
    • 2 Baths
    • 1,828 Sq Ft

    CALI Plan at Fountain View, Ormond Beach, FL 32174

    Introducing the Cali floorplan at Fountain View, in Ormond Beach, Florida, where every square foot is put to use with sophistication and comfort. Inside this 4 bedroom, 2 bathroom home, you’ll find 1,882 square feet of comfortable living. This meticulously designed residence combines modern convenience with timeless elegance, showcasing granite counters and tile floors throughout. As you step

    D.R. Horton Builder
    1383 Fountain View St Unit 36201640, Ormond Beach, FL 32174
  • /73

    $399,900

    • 3 Beds
    • 2 Baths
    • 1,974 Sq Ft

    33 Sea Harbor Dr E, Ormond Beach, FL 32176

    This property is priced $100,000 below market and appraisal value. Recent updates include new Luxury Vinyl floors throughout and a renovated primary bathroom featuring a small shower and a freestanding soaker tub. The home is spacious, with three large bedrooms and two bathrooms, along with a sizable utility laundry room. Enjoy the in-ground pool and screened-in lanai. Circle Driveway on a corner

    Jeremie Purdy RE/MAX SELECT PROFESSIONALS

    33 Sea Harbor Dr E, Ormond Beach, FL 32176
  • /78

    $750,000

    • 3 Beds
    • 2.5 Baths
    • 2,617 Sq Ft

    1365 Shedd Ln, Ormond Beach, FL 32174

    Rare 10.7-acre Homesteading Retreat with Spacious 2-Story Home. Discover the perfect setting for your homesteading dreams on this expansive 10.7-acre property. This charming two-story home offers a blend of rustic appeal and modern comfort, providing an ideal sanctuary for sustainable living and outdoor enjoyment. The main residence features a generous layout with 3 large bedrooms and 2.5

    Kim Carney BETTER HMS & GARDENS RE SYNERG

    1365 Shedd Ln, Ormond Beach, FL 32174
  • /17

    $139,000

    • Land
    • 5 Acres
    • $27,800 per Acre

    0 Boice Ln, Ormond Beach, FL 32174

    5 acres of private wooded land in Ormond Beach with Flagler County taxes allowing for serenity and privacy. USDA financing available in this area. No Survey Available. Lot Dimensions Are Approximated Information received from property appraiser records. All information is deemed correct but not guaranteed. Buyer(s) must verify all measurements & information for themselves.

    Robert Kazazian EPIQUE REALTY, INC.

    0 Boice Ln, Ormond Beach, FL 32174
  • /32

    $24,950

    • 2 Beds
    • 2 Baths
    • 1,248 Sq Ft

    24 Glen Falls Dr, Ormond Beach, FL 32174

    This well-maintained 2-bed, 2-bath home located in an active 55 plus community features laminate flooring and plantation shutters throughout. The spacious kitchen is equipped with stainless steel appliances and a pantry and opens to the dining room, which includes a built-in buffet perfect for additional storage. The living room provides plenty of space for relaxing or entertaining, while the

    Carl Mraz Four Star Homes, Inc.

    24 Glen Falls Dr, Ormond Beach, FL 32174
  • /27

    $405,000

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

    107 Lynnhurst Dr, Ormond Beach, FL 32176

    Beachside upgraded solid block 3/2 home with garage. NEW Septic, Vaulted wood stained ceilings/roof coated in 9/21 with Gacoroof Coating. NEW Full 2nd bath for guests. NEW Master Bed rm with en suite and walk in shower. NEW AC|, electrical panel & Hot Water heater. Kitchen all NEW with granite countertops, stainless steel appliances inc. a double oven, beautiful subway tile & under cabinet

    Maryann Bates Adams, Cameron & Co., Realtors

    107 Lynnhurst Dr, Ormond Beach, FL 32176
  • /11

    $429,990 New Construction

    • 5 Beds
    • 3 Baths
    • 2,490 Sq Ft

    1390 Morning Walk Dr, Ormond Beach, FL 32174

    The property is located at 1390 Morning Walk Drive ORMOND BEACH FL 32174 priced at 429990, the square foot and stories are 2490, 1.The number of bath is 3, halfbath is 0 there are 5 bedrooms and 3 garages. For more details please, call or email.

    D.R. Horton Builder
    1390 Morning Walk Dr, Ormond Beach, FL 32174
  • /2

    $560,490 New Construction

    • 4 Beds
    • 3 Baths
    • 2,275 Sq Ft

    1130 Cliffhaven Ct, Ormond Beach, FL 32174

    This beautiful one-story, 4 bedroom, 3 bathroom, 2,275 A/C sq. ft. home is ready for you to call it home! You'll love the feel of the foyer as you walk into this inviting home. The spacious kitchen leads into the dining and gathering area that overlooks your covered outdoor living space. Pocket sliding glass doors make it easy to connect the indoors and outdoors as you enjoy all that Florida

    1130 Cliffhaven Ct, Ormond Beach, FL 32174
  • /18

    $160,000

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

    18 Beaver Lake Cir, Ormond Beach, FL 32174

    Spacious 3-bedroom 2 bathroom with a beautiful lake view. 2 utility rooms with an extra wide driveway, living and family rooms, master suite with large closet, large kitchen that opens into a lakeside screen room great for entertaining. This home is in a gated 55+ community that is clean, quiet, peaceful, and surrounded by nature. This beautiful community delivers the lifestyle you seek for your

    Wes Strider Aberdeen At Ormond Beach

    18 Beaver Lake Cir, Ormond Beach, FL 32174
  • /30

    $894,000

    • 4 Beds
    • 3.5 Baths
    • 4,405 Sq Ft

    457 Juniper Ln, Ormond Beach, FL 32174

    Country serenity meets turnkey comfort at 457 Juniper Ln. Set behind a new gated vinyl fence, this two-story 4BR/3.5BA home rests on 6acres-4 of them cleared-and features two large ponds. Inside, a 2024 roof, dual 2024 water heaters, and gleaming upgraded floors mean you can move right in. The oversized chef's kitchen anchors twin living rooms, an eat-in nook and an enclosed Florida room with

    Steven Koleno Beycome of Florida LLC

    457 Juniper Ln, Ormond Beach, FL 32174
  • /39

    $428,000 Open Sat 11AM - 1PM

    • 3 Beds
    • 2 Baths
    • 1,426 Sq Ft

    29 Sea Gull Dr, Ormond Beach, FL 32176

    Escape to your very own slice of paradise with this coastal retreat, nestled just steps from the sun-kissed shores of Ormond Beach. Ideal for the discerning vacation home seeker or the astute investor, this tastefully updated 3-bedroom, 2-bathroom pool home offers the perfect blend of comfort and convenience just steps from the beach.The moment you arrive, the freshly painted exterior and

    Trena DeCandia RE/MAX Signature

    29 Sea Gull Dr, Ormond Beach, FL 32176
  • /53

    $285,000

    • 3 Beds
    • 2 Baths
    • 1,188 Sq Ft

    111 Fiesta Dr, Ormond Beach, FL 32174

    Great Location in the heart of Ormond Beach. This well-maintained block 3-bedroom, 2-bath home sets on a no flood corner lot in Fiesta Heights. It features a large open concept with beautiful 1-1/2'' oak hardwood flooring throughout. A large living room is connected to a beautiful kitchen and center island allowing easy access. The kitchen has modern cabinetry with hard surface counter tops

    Michael Yovanovich Coldwell Banker Coast Realty

    111 Fiesta Dr, Ormond Beach, FL 32174
  • /39

    $574,900

    • 4 Beds
    • 2 Baths
    • 2,023 Sq Ft

    45 Banyan Dr, Ormond Beach, FL 32176

    Fabulous 4 bedroom home on a sprawling, oversized, oak covered parcel of land just two blocks to the Atlantic. Enter this home to find a coastal-contemporary, designer perfect interior where an incredible island kitchen serves as the centerpiece of the lovely great room layout. A bank of windows and double sliders allow for natural light to illuminate the main living spaces while giving way to

    Ryan Adams Adams, Cameron & Co., Realtors

    45 Banyan Dr, Ormond Beach, FL 32176
  • /13

    $849,000

    • Land
    • 11.15 Acres
    • $76,143 per Acre

    0 Florida 40, Ormond Beach, FL 32174

    Discover the endless possibilities of this expansive 11 acre property along SR-40 in Ormond Beach. This prime location is perfect for your dream estate or a lite commercial venture that captures the attention of passing motorists. This property offers over 845 ft of frontage on SR-40, A-2 zoning and a daily traffic count of 7,780. Imagine building your ideal residence with ample space for all

    Noah Bailey KELLER WILLIAMS REALTY ATLANTIC PARTNERS (ST. AUG)

    0 Florida 40, Ormond Beach, FL 32174
  • /22

    $83,900

    • 3 Beds
    • 2 Baths
    • 960 Sq Ft

    1300 Hand Ave Unit CC9, Ormond Beach, FL 32174

    Discover comfort and value with this beautiful 2025 double wide home at Lot C9 in the welcoming Pinewood community. Offering an open living space a modern kitchen with stainless steel appliances and quality finishes throughout this home is designed for relaxed Florida living. The master suite features a large soaking tub dual sinks and plenty of storage. Energy efficient upgrades provide lasting

    Dana Rogers Four Star Homes, Inc.

    1300 Hand Ave Unit CC9, Ormond Beach, FL 32174
  • /14

    $200,000

    • 2 Beds
    • 1 Bath
    • 975 Sq Ft

    17 Poinsettia Dr, Ormond Beach, FL 32176

    SHORT SALE. 2 Bed, 1 Bath, Bring your vision to this Ormond-by-the-Sea property just steps from the beach. Newer windows and garage door. Home needs work and is priced accordingly. Fair market value is approximately $200K in current condition with an ARV around $300K. All offers are subject to third-party (lender) approval. Property is sold AS-IS with seller making no repairs. Excellent

    Michelle Wise Worth Clark Realty

    17 Poinsettia Dr, Ormond Beach, FL 32176
  • /29

    $34,900

    • 2 Beds
    • 2 Baths
    • 1,352 Sq Ft

    28 Falls Way Dr, Ormond Beach, FL 32174

    This beautifully maintained 2 bedroom, 2 bathroom home offers a spacious open layout with a large kitchen featuring stainless steel appliances, an oversized island, and an attached dining area, perfect for entertaining. Laminate flooring flows throughout the home, leading to a generous primary suite complete with an en suite bathroom that includes a walk-in shower and relaxing soaking tub. Enjoy

    Carl Mraz Four Star Homes, Inc.

    28 Falls Way Dr, Ormond Beach, FL 32174
  • /25

    $24,900

    • 2 Beds
    • 1 Bath
    • 672 Sq Ft

    1335 Fleming Ave Unit Lot 150, Ormond Beach, FL 32174

    This well-maintained 2 bedroom, 1 bath 1970 singlewide is perfectly located on a desirable corner lot in beautiful Ormond Beach. The home features a carport, large storage shed, attractive landscaping, and a relaxing Florida room. Inside, you will find stainless steel appliances and an efficient layout ideal for a single person or couple. The A/C was replaced in 2024, and the roof has been

    Dana Rogers Four Star Homes, Inc.

    1335 Fleming Ave Unit Lot 150, Ormond Beach, FL 32174
  • /14

    $139,000

    • Land
    • 5 Acres
    • $27,800 per Acre

    00 Boice Ln, Ormond Beach, FL 32174

    5 acres of private wooded land in Ormond Beach with Flagler County taxes. allowing for serenity and privacy. USDA financing available in this area.

    Manoush Kazazian Epique Realty Inc

    00 Boice Ln, Ormond Beach, FL 32174
  • /10

    $139,000

    • Land
    • 2.4 Acres
    • $57,917 per Acre

    3781 Pine Pitch Ct, Ormond Beach, FL 32174

    Private and spacious 2.43 acre wooded lot in quiet country setting at Plantation Pines. Plenty of space for your dream home as well as room to roam for the family and pets. Build at your own pace. partially fenced, gated and cleared Wetland documentation and biological survey are available. Some dirt has been added for fondation. New Well recently intalled. Only 0.3 acres of wetlands on the back

    Kay Johnston JOHNSTON PROP. AND R.E. LLC

    3781 Pine Pitch Ct, Ormond Beach, FL 32174
  • /19

    $599,900

    • Land
    • 0.67 Acre
    • $895,373 per Acre

    1003 Us-1, Ormond Beach, FL 32174

    🚤 STUNNING RIVERFRONT COMMERCIAL PROPERTY (MARINA!) 🌊📍 240 ft frontage on US-1 & Direct Tomoka River Access ✨ The possibilities are endless with this rare B-8 Tourist Zoned property!✅ 1170 sq ft dock with bar, gazebo & pavilion - perfect for waterfront dining, entertainment, or events!✅ All impact fees paid - ready for your vision!✅

    Linda Castro Dalton Wade Inc.

    1003 Us-1, Ormond Beach, FL 32174
  • /5

    $695,000

    • Land
    • 6.95 Acres
    • $100,000 per Acre

    491 Pineland Trail, Ormond Beach, FL 32174

    GREAT FIND .... a 6.95 Acre wooded lot located in Ormond Beach right around the corner from the Ormond Green and Pineland Subdivisions. Originally listed in the Planned Residential Development (PRD) as a ''Future House of Worship'' it may also qualify for other uses. City of Ormond will require some additional steps; including, but not limited to, a PRD Amendment or Special Exception depending

    Taylor Marsh Lorenzo Gaff's Realty Company

    491 Pineland Trail, Ormond Beach, FL 32174
  • /13

    $345,990 New Construction

    • 4 Beds
    • 2 Baths
    • 1,828 Sq Ft

    CALI Plan at Gardenside at Ormond Station, Ormond Beach, FL 32174

    Introducing the Cali floorplan at Ormond Station in Ormond Beach, Florida, where every square foot is put to use with sophistication and comfort. Inside this 4-bedroom, 2-bathroom home, you’ll find 1,882 square feet of comfortable living. This meticulously designed residence combines modern convenience with timeless elegance, showcasing quartz counters and luxury vinyl plank floors throughout. As

    D.R. Horton Builder
    13 Honeybell Way Unit 36201647, Ormond Beach, FL 32174
  • /29

    $39,922

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

    68 Horseshoe Falls Dr, Ormond Beach, FL 32174

    For Rent $1750!(Includes lot rent) Available Sept 1. This 2-bedroom, 2-bathroom home has been thoughtfully updated and is ready to impress. Inside, newer laminate flooring adds a touch of elegance, while the interior has been freshly painted, creating a bright and inviting atmosphere. Recent improvements include a new roof and a replacement AC system, both installed in September 2023, providing

    Carl Mraz Four Star Homes, Inc.

    68 Horseshoe Falls Dr, Ormond Beach, FL 32174
  • /18

    $64,250

    • 2 Beds
    • 2 Baths
    • 1,170 Sq Ft

    77 Grizzly Bear Path Unit 366, Ormond Beach, FL 32174

    What a gem you will find with this two bedroom-two bath home with some really amazing upgrades. S-S appliances, back splash tile, water proof easy care laminate flooring thru-out with baths tiled. The eat-in kitchen area has built in banquette w-storage and beautiful plantation blinds. The screened porch is a relaxing spot for the morning cup of coffee or just relaxing with family and friends.

    Jane Popham Four Star Homes, Inc.

    77 Grizzly Bear Path Unit 366, Ormond Beach, FL 32174
  • /8

    $599,900

    • Land
    • 2.85 Acres
    • $210,491 per Acre

    11 Pearl Dr, Ormond Beach, FL 32174

    Beautiful high and dry 2.58 acre property in the heart of Ormond Beach. Located just off of Granada Blvd on Pearl Drive just behind the Ameris Bank and Advent Health walk in facility. There are many potential uses for the property. Ideal location within walking distance to banks, medical offices, Aldi, Starbucks, restaurants, and more. Minutes to Publix, Wal Mart, shopping, Advent Health, and

    Greg Antonich RE/MAX Signature

    11 Pearl Dr, Ormond Beach, FL 32174
  • /49

    $57,600

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

    15 Sunset Falls Dr, Ormond Beach, FL 32174

    Waterfront 2BR/2BA Home with Florida Room & Recent Updates - Move-In Ready! Beautifully maintained, this waterfront home offers the perfect setting to enjoy your morning coffee or unwind in the evening with peaceful views. Featuring 1,152 sq. ft. of living space plus an additional 140 sq. ft. Florida room, this 2-bedroom, 2-bath home boasts an open-concept layout with plenty of room to relax and

    Bill Knauer Adams Cameron & Co

    15 Sunset Falls Dr, Ormond Beach, FL 32174
  • /25

    $189,000

    • 3 Beds
    • 2 Baths
    • 1,792 Sq Ft

    260 Blue Heron Lake Cir Unit 4105, Ormond Beach, FL 32174

    Immaculate 3 bedroom 2 bath home on the water in a prime location walking distance to the clubhouse. roof replaced in 2019, insulated panel car port roof, air conditioning and tankless water heater are 6 years old. The car port and driveway is extra wide for all your vehicles. Located just minutes away from the Atlantic Ocean In a prestigious 55+ gated community. You can enjoy the large

    Wes Strider Aberdeen At Ormond Beach

    260 Blue Heron Lake Cir Unit 4105, Ormond Beach, FL 32174
  • 1383 Fountain View St Unit 38405835, Ormond Beach, FL 32174

    $341,990 New Construction

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

    DUNDEE Plan at Fountain View, Ormond Beach, FL 32174

    Find your home at Fountain View, a new home community in Ormond Beach, Florida. This community located just north of Daytona Beach, is currently offering 6 floorplans that range from single-story to two-story with 3 to 5 bedrooms, up to 3 bathrooms, and 2 car garages. As you step inside the homes, you'll immediately notice the attention to detail and stunning finishes throughout. Spacious

    D.R. Horton Builder
    1383 Fountain View St Unit 38405835, Ormond Beach, FL 32174
  • /18

    $169,000

    • 2 Beds
    • 2 Baths
    • 1,736 Sq Ft

    72 Beaver Lake Cir Unit 394, Ormond Beach, FL 32174

    Enjoy the picturesque view from wall of windows in the living room/dining room and kitchen of this lakeside home. The well appointed island kitchen makes it easy to host for friends or family. Additionally this home has two large bedrooms and a den off the living room. In 2019 the roof with was replaced with the "lifetime" shingle system that has a waterproof membrane under all the

    Wes Strider Aberdeen At Ormond Beach

    72 Beaver Lake Cir Unit 394, Ormond Beach, FL 32174
  • 1138 Cliffhaven Ct, Ormond Beach, FL 32174

    $620,536 New Construction

    • 3 Beds
    • 2.5 Baths
    • 2,183 Sq Ft

    1138 Cliffhaven Ct, Ormond Beach, FL 32174

    This spacious one-story, 3 bedroom with pocket office, 2.5 bathroom, 2-car garage home with 2,183 A/C sq. ft. is the home for you! The gourmet kitchen with oversized island overlooks the living and dining space, with a view of the covered outdoor living through large, sliding glass doors. With two bedrooms in the front of the home and a generous primary suite in the rear, there's enough space for

    1138 Cliffhaven Ct, Ormond Beach, FL 32174
  • /15

    $215,000

    • Land
    • 1.1 Acres
    • $195,455 per Acre

    711 Tennessee Terrace, Ormond Beach, FL 32174

    Build your dream home on this 1.10-acre residential lot in the heart of Ormond Beach! Tucked away on a quiet street, this oversized property offers privacy while keeping you close to everything. Just minutes from the sandy beaches of the Atlantic, the scenic Tomoka River, and endless outdoor recreation at nearby parks and trails. Convenient access to I-95 makes commuting a breeze, while shopping,

    Brandi Crain IRON VALLEY REAL ESTATE OSCEOLA

    711 Tennessee Terrace, Ormond Beach, FL 32174
  • /52

    $469,000

    • 3 Beds
    • 2 Baths
    • 1,933 Sq Ft

    7 Heather Ln, Ormond Beach, FL 32174

    Lease/Rent options available !!!! 20% down, $3,250 per month ( Pool & Lawn Services included) . Renovated pool home features a sparkling private pool and a breezy, coastal vibe that feels like vacation every day. Owner offering a credit for new windows - call broker for details From the moment you step inside, natural light fills the open living spaces. Fresh updates throughout blend style and

    Chris Schwarz WHITE WHALE REAL ESTATE

    7 Heather Ln, Ormond Beach, FL 32174
  • /54

    $1,230,000

    • 3 Beds
    • 2 Baths
    • 1,715 Sq Ft

    8 Ocean Dunes Dr, Ormond Beach, FL 32176

    Oceanfront Serene Two-Story Coastal Home with Flexible Bedroom Layout and Income Potential. This thoughtfully designed residence offers two bedrooms on the main level and a private oceanfront primary suite upstairs, creating ideal separation for guests, family, or work-from-home living. The home is offered at its recent independent appraised value, providing buyers a transparent and data-backed

    Jennifer Withers EXP Realty LLC

    8 Ocean Dunes Dr, Ormond Beach, FL 32176
  • /12

    $37,900

    • 2 Beds
    • 2 Baths
    • 1,092 Sq Ft

    47 Misty Falls Dr, Ormond Beach, FL 32174

    Jeff Gilster Mobile Home Pros

    47 Misty Falls Dr, Ormond Beach, FL 32174
  • /36

    $515,000

    • 3 Beds
    • 2 Baths
    • 1,795 Sq Ft

    53 Wilmette Ave, Ormond Beach, FL 32174

    Newly built in 2022, this beautifully designed home combines modern efficiency with coastal convenience. Featuring fully owned solar panels. This property offers impressively low electric bills year-round. Just a short walk to the water, the home sits in a prime location close to restaurants, shopping, and the beach.Inside, you’ll find a spacious floor plan with 3 bedrooms and 2 baths with

    Mindy Melendez EAZ REALTY LLC

    53 Wilmette Ave, Ormond Beach, FL 32174

Showing Results 481 - 520, Page 13 of 15

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