1,484

Palm Bay, FL 1-Story Homes for Sale

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  • /7

    $269,934

    New Construction
    • 2 Beds
    • 2 Baths
    • 1,308 Sq Ft

    1572 Miraflores Trail NW, Palm Bay, FL 32907

    Exclusive to active adults 55+ and better, this new single-story home provides the convenience of having everything you need on one level. The inviting Great Room has an open layout that connects effortlessly to the kitchen and covered deck. The owner's suite is equipped with a private bathroom and a walk-in closet, while the secondary bedroom at the front is great for extra space or overnight

    Jennifer Smart Lennar Realty, Inc.

    1572 Miraflores Trail NW, Palm Bay, FL 32907
  • /33

    $265,000

    $15K PRICE DROP
    • 3 Beds
    • 2 Baths
    • 1,272 Sq Ft

    950 Taft Ave SE, Palm Bay, FL 32909

    Opportunity knocks, so let's unlock the potential! Come step inside and imagine the possibilities. Are you dreaming of modern updates, custom finishes, or a space that reflects your personal style? This home gives you the chance to bring your vision to life. Outside, you'll find a huge backyard canvas with endless potential to design your own private oasis. The seller is motivated--creating a

    Freslaine St.Louis Keller Williams Boca Raton

    950 Taft Ave SE, Palm Bay, FL 32909
  • /50

    $289,000

    • 3 Beds
    • 2 Baths
    • 1,389 Sq Ft

    565 Wistar Ct NE, Palm Bay, FL 32907

    Location, lotcation, location!! A hidden gem in a quiet cul-de-sac in NE Palm Bay. Fully renovated with custom features. Freshly painted interior & exterior, new beautiful porcelain tile flooring throughout, renovated bathrooms, newly installed kitchen cabinets and countertops, and new appliances. Bonus space off laundry for extra storage. You can personalize as desired. Enjoy a huge 279 SF

    Millie Moreno Engel&Voelkers Melb Beachside

    565 Wistar Ct NE, Palm Bay, FL 32907
  • /17

    $359,000

    $6K PRICE DROP
    • 4 Beds
    • 2 Baths
    • 1,918 Sq Ft

    900 Old Country Rd SE, Palm Bay, FL 32909

    This well-maintained 4-bedroom, 2-bath home with a screen-enclosed back patio and no rear neighbors for complete privacy is waiting for you. Inside, you'll find upgraded day/night lighting to match your indoor mood, along with a spacious, functional floor plan with ample living areas and plenty of natural light. The open-concept floor plan is perfect for everyday family gatherings or entertaining

    Ralph Harvey ListWithFreedom.com

    900 Old Country Rd SE, Palm Bay, FL 32909
  • /63

    $365,000

    New Construction $15K PRICE DROP
    • 3 Beds
    • 2 Baths
    • 1,851 Sq Ft

    357 Galicia St SW, Palm Bay, FL 32908

    Most new construction at this price point gives you the minimum. This one doesn't. 357 Galicia St SW was built by a local Palm Bay builder who makes decisions most production builders won't... solid wood soft-close cabinetry instead of particle board, Delta plumbing fixtures instead of builder-grade hardware, a full impact envelope that includes the slider and garage door not just the windows,

    357 Galicia St SW, Palm Bay, FL 32908
  • /11

    $398,790

    New Construction $9K PRICE DROP
    • 4 Beds
    • 2 Baths
    • 1,937 Sq Ft

    1738 Echelon Point Way NW, Palm Bay, FL 32907

    This charming single-story home offers an open-concept living space complete with a Great Room, dining room and kitchen that connect directly to a patio. The owner’s suite is thoughtfully designed for maximum privacy, while down the hall are three bedrooms arranged near a convenient full-sized bathroom. A versatile two-car garage provides storage space.

    Lennar Builder
    1738 Echelon Point Way NW, Palm Bay, FL 32907
  • /26

    $365,900

    New Construction
    • 4 Beds
    • 2.5 Baths
    • 1,623 Sq Ft

    1150 Tarleton St SE, Palm Bay, FL 32909

    Ready for move in April 2026.This beautiful house has a modern design with 4 bedrooms and 2.5 bathrooms, including a convenient half bathroom for guests. High ceilings and an open floor plan connect living areas, it has a large kitchen with stainless steel appliances, island and breakfast counter. The property has a large lot, with space to install a pool. With impact windows, inside laundry and

    Karina Meza Oceanica International Realty

    1150 Tarleton St SE, Palm Bay, FL 32909
  • /21

    $321,990

    New Construction $8K PRICE DROP
    • 3 Beds
    • 2 Baths
    • 1,552 Sq Ft

    950 Culpepper Ave SE, Palm Bay, FL 32909

    Introducing the Foxtail, a delightful floorplan from our Value collection designed with families in mind. This home offers a well-thought-out layout featuring 3 bedrooms, 2 full bathrooms, and a spacious 2-car garage.The split plan of the Foxtail ensures a welcoming master suite with ample privacy from the other two bedrooms. The Owner’s Suite boasts a full bath and a walk-in closet,

    Holiday Builders Builder
    950 Culpepper Ave SE, Palm Bay, FL 32909
  • /42

    $327,000

    New Construction
    • 3 Beds
    • 2 Baths
    • 1,468 Sq Ft

    354 Halloran St SE, Palm Bay, FL 32909

    Some builders put up a house and move on to the next lot. This one was built by a local family builder who lives right here in the neighborhood, so disappearing was never on the table. Everything here is brand new and under warranty from day one. Concrete block construction, a hip roof, HVAC, a 50-gallon water heater, 200-amp electric, well and septic, and a stainless appliance package. No

    Donell Knight II Blue Marlin Real Estate

    354 Halloran St SE, Palm Bay, FL 32909
  • /29

    $307,000

    $20K PRICE DROP
    • 3 Beds
    • 2 Baths
    • 1,365 Sq Ft

    776 Beacon St NW, Palm Bay, FL 32907

    Enjoy a split floor plan along with laundry room being under air conditioning and finished epoxy garage floor. Additionally, you will enjoy a sitting area off the primary bedroom for added lounging/TV room, remodeled kitchen, screened patio and private pool with fenced in yard. Absolutely move in ready! Lovely brick front facade, two car garage and large front and back yard.

    Leann Schneider Grand Star Realty of Brevard

    776 Beacon St NW, Palm Bay, FL 32907
  • /31

    $224,750

    • 3 Beds
    • 2 Baths
    • 864 Sq Ft

    772 Antilles Rd NE, Palm Bay, FL 32907

    Welcome to this charming 3-bedroom, 2-bathroom home that perfectly balances low-maintenance living with an unbeatable NE Palm Bay location. Whether you are a first-time homebuyer looking for a cozy space to call your own, a downsizer seeking single-level convenience, or a savvy investor searching for a solid addition to your portfolio, this property is an exceptional find. Expand your living

    Shirley Weems Waterman Real Estate, Inc.

    772 Antilles Rd NE, Palm Bay, FL 32907
  • /59

    $410,000

    • 4 Beds
    • 2 Baths
    • 1,729 Sq Ft

    965 Elmont St NW, Palm Bay, FL 32907

    Welcome home to this beautifully maintained 4-bedroom, 2-bathroom home, offering numerous upgrades and thoughtful features throughout the home. From the moment you step inside, you'll be greeted by a bright and inviting open floor plan-designed for comfortable living and entertaining. The updated kitchen showcases soft-close cabinetry, and a pantry with convenient pull-out drawers. The spacious

    Alethea Catino Waterman Real Estate

    965 Elmont St NW, Palm Bay, FL 32907
  • /16

    $390,000

    New Construction $20K PRICE DROP
    • 3 Beds
    • 2 Baths
    • 1,779 Sq Ft

    544 Higgs Ave NW, Palm Bay, FL 32907

    This 3-bedroom, 2-bath home with a 2-car garage was built in 2024 and features Energy Star stainless steel appliances, a top-of-the-line 15-16 SEER air conditioning system, luxury tile plank flooring, quartz countertops, LED lighting, and 42-inch soft-close cabinets. The open floor plan offers 9'4" ceilings, with a tray ceiling in the primary suite. Additional upgrades include a hybrid water

    544 Higgs Ave NW, Palm Bay, FL 32907
  • /44

    $427,900

    New Construction
    • 4 Beds
    • 3 Baths
    • 2,018 Sq Ft

    1471 San Filippo Dr SE, Palm Bay, FL 32909

    4BD/3BA + office, 2-car garage in the heart of Palm Bay. CITY WATER & SEPTIC, NO HOA. Currently under construction, estimated completion June 2026. Open-concept layout with spacious kitchen, modern cabinetry, breakfast bar and bright living/dining areas. Primary suite with walk-in closet and private bath. Additional bedrooms and office offer flexibility for guests or work-from-home. Covered patio

    Pedro Mingo Unique International Propertie

    1471 San Filippo Dr SE, Palm Bay, FL 32909
  • /20

    $275,000

    $25K PRICE DROP
    • 3 Beds
    • 2 Baths
    • 1,225 Sq Ft

    1386 Scranton St SW, Palm Bay, FL 32908

    In a market full of options, this is the one that rises above the rest. Positioned right in the heart of Palm Bay, this beautifully updated home delivers the style, space, and move-in-ready ease today's buyers are searching for! From the moment you walk in, the difference is clear. The open-concept design feels bright, expansive, and effortlessly livable, creating a space that's just as ideal for

    Justin Simons Real Broker, LLC

    1386 Scranton St SW, Palm Bay, FL 32908
  • /17

    $241,990

    New Construction
    • 2 Beds
    • 2 Baths
    • 1,308 Sq Ft

    Hibiscus Plan at The Timbers at Everlands - The Villas, Palm Bay, FL 32907

    Exclusive to active adults 55+ and better, this low maintenance home offers a single-story layout with two bedrooms. A galley-style kitchen is tucked in the center of the open living area, with a dining room on one side and a Great Room on the other with access to a covered deck. A one-car garage rounds out the design.

    Lennar Builder
    2213 Antarus St Unit 36038004, Palm Bay, FL 32907
  • /23

    $350,000

    • 3 Beds
    • 2 Baths
    • 1,242 Sq Ft

    1123 Gawain Rd SW, Palm Bay, FL 32908

    VA ASSUMABLE with little money down!! STUNNING POOL, OPEN FLOOR PLAN, VAULTED CEILINGS, LARGE FENCED BACKYARD, MASSIVE SCREENED PORCH, AND TWO-CAR GARAGE! This newer Palm Bay pool home offers exceptional indoor-outdoor living at a price that is hard to find. The bright open floor plan features vaulted ceilings and spacious living and dining areas designed for everyday comfort and entertaining.

    Brandon Lape EXP Realty, LLC

    1123 Gawain Rd SW, Palm Bay, FL 32908
  • /41

    $427,500

    New Construction
    • 4 Beds
    • 3 Baths
    • 2,018 Sq Ft

    1356 Walthan St SE, Palm Bay, FL 32909

    Luxury New Construction with In-Law suite! Ready Now, featuring 4 bedrooms, 3 full bathrooms + Office. NO CLOSING Costs with builders preferred lender! Packed with upgrades; IMPACT windows & doors, abundant natural light, wood-look porcelain tile, 9'4'' ceilings and 8' interior doors. The kitchen is a showstopper with the large waterfall quartz island, tile backsplash, ceiling-height soft-close

    Sanja Hardy Coldwell Banker Realty

    1356 Walthan St SE, Palm Bay, FL 32909
  • /18

    $284,900

    New Construction
    • 3 Beds
    • 2 Baths
    • 1,273 Sq Ft

    847 Raymond St SE, Palm Bay, FL 32909

    Pre-Construction. To Be Built. Coastal living and everyday convenience come together beautifully in The Poinsettia, a thoughtfully designed retreat in the heart of Palm Bay. Located just minutes from the Atlantic Ocean and the scenic Indian River, this residence places boating, fishing, waterfront dining, and countless outdoor adventures within easy reach, along with access to 29 local parks and

    Brian Acri New Home Star Florida LLC

    847 Raymond St SE, Palm Bay, FL 32909
  • /12

    $225,000

    $30K PRICE DROP
    • 3 Beds
    • 2 Baths
    • 1,205 Sq Ft

    726 Diplomat Ave SE, Palm Bay, FL 32909

    One or more photo(s) has been virtually staged. Palm Bay pool home offering a 3-bedroom, 2-bath split-plan layout with a fenced backyard and attached two-car garage. The home features a spacious main living area with natural light, tile flooring in several areas, and a primary bedroom with en-suite bathroom. The split-bedroom design provides added privacy, and the backyard offers poolside

    Kara Money Kara Money, LLC

    726 Diplomat Ave SE, Palm Bay, FL 32909
  • /25

    $366,650

    New Construction $1K PRICE DROP
    • 4 Beds
    • 3 Baths
    • 2,265 Sq Ft

    2665 Raven Ave SE, Palm Bay, FL 32909

    Proud to Own! The Home That Fits Your Life! Imagine coming home to 2,265 sq. ft. of beautifully designed living space where family, friends, and memories come together. This 4-bedroom, 3-bath split floor plan offers room to grow, work, relax, and entertain. Enjoy upgraded wood-look flooring, a chef-inspired kitchen with crowned cabinetry, stainless-steel appliances, and an open layout that keeps

    Stacey Holdsworth Adams Homes Realty, Inc.

    2665 Raven Ave SE, Palm Bay, FL 32909
  • /27

    $305,000

    $10K PRICE DROP
    • 3 Beds
    • 2 Baths
    • 1,806 Sq Ft

    1311 Island Green Dr NE Unit B2-12, Palm Bay, FL 32905

    Located in the quiet, tree-lined community of Island Green Villas, this well-maintained single-story end unit offers privacy, space, and low-maintenance living. The open layout features a large kitchen with peninsula, breakfast nook, and a pass-through to the dining area, which flows into a spacious great room and oversized living area. Enjoy peaceful views year-round from the 21-foot enclosed

    Henry Dearaujo Coastal Life Properties LLC

    1311 Island Green Dr NE Unit B2-12, Palm Bay, FL 32905
  • /2

    $323,990

    New Construction
    • 3 Beds
    • 2 Baths
    • 1,525 Sq Ft

    572 Richmond SW, Palm Bay, FL 32908

    Introducing the Fishtail floorplan, a spacious and versatile offering from our Value Collection. This roomy plan spans 1,525 square feet, providing ample space for comfortable living.Upon entering, you’ll find two bedrooms and a bathroom located in the front of the home, offering privacy and convenience. Nestled in the back of the home is the Owners Suite, featuring an attached bathroom and a

    Holiday Builders Builder
    572 Richmond SW, Palm Bay, FL 32908
  • /38

    $365,000

    $4K PRICE DROP
    • 5 Beds
    • 2 Baths
    • 2,028 Sq Ft

    490 Tillman Ave SW, Palm Bay, FL 32908

    ✨ Your Dream Home Awaits! ✨Step inside this beautifully updated 5-bedroom, 2-bathroom home designed with comfort and modern living in mind. Perfect for large or multi-generational families, this spacious residence features an open floor plan ideal for entertaining and family gatherings. The chef's kitchen boasts sleek smart appliances and plenty of room to create and connect.

    Patrick James Blue Marlin Real Estate

    490 Tillman Ave SW, Palm Bay, FL 32908
  • /18

    $372,990

    New Construction
    • 3 Beds
    • 3 Baths
    • 2,182 Sq Ft

    Freeport Plan at The Timbers at Everlands - The Isles Collection, Palm Bay, FL 32907

    Exclusive to active adults 55+ and better! This single-story home makes fantastic use of available space with an open concept floorplan that seamlessly connects a stylish kitchen, dining room and inviting Great Room. The home features a total of three bedrooms, including the luxe owner’s suite, which provides residents with a spa-inspired bathroom and generous walk-in closet for optimal

    Lennar Builder
    2213 Antarus St Unit 36038016, Palm Bay, FL 32907
  • /20

    $200,000

    • 3 Beds
    • 2 Baths
    • 1,501 Sq Ft

    2138 Advana St NE, Palm Bay, FL 32905

    INVESTOR ALERT! Seller will consider all offers! Incredible opportunity to transform this 3-bedroom, 2-bath concrete block home situated on a spacious 0.25-acre corner lot with city water and city sewer. Offering approximately 1,500 square feet of living space and a durable metal roof, this property has the solid bones investors are looking for. With renovated homes in the area selling for top

    Jacob Honadle RE/MAX Elite

    2138 Advana St NE, Palm Bay, FL 32905
  • /16

    $237,618

    New Construction
    • 2 Beds
    • 2 Baths
    • 1,308 Sq Ft

    1472 Miraflores Trail NW, Palm Bay, FL 32907

    Exclusive to active adults 55+ and better, this low maintenance home offers a single-story layout with two bedrooms. A galley-style kitchen is tucked in the center of the open living area, with a dining room on one side and a Great Room on the other with access to a covered deck. A one-car garage rounds out the design.

    Lennar Builder
    1472 Miraflores Trail NW, Palm Bay, FL 32907
  • /19

    $365,000

    New Construction $10K PRICE DROP
    • 4 Beds
    • 2.5 Baths
    • 1,892 Sq Ft

    774 Cleaves St SE, Palm Bay, FL 32909

    Seller is offering SELLER CONCESSIONS. Prime Location! Step into this stunning 4-bedroom, 2.5-bath home, perfectly situated on a generous corner lot in a rapidly growing area. Fully equipped with sleek stainless steel appliances and premium impact-resistant doors and windows, this home combines modern style with lasting durability and security. Enjoy the perfect balance of comfort and peace of

    Carol Salazar Dalton Wade Inc

    774 Cleaves St SE, Palm Bay, FL 32909
  • /29

    $254,000

    $35K PRICE DROP
    • 3 Beds
    • 1 Bath
    • 1,412 Sq Ft

    811 Globe Ave NW, Palm Bay, FL 32907

    BRAND NEW ROOF!! BRAND NEW A/C AND FLOORING!! PRICED TO SELL!! BRING OFFERS!! Concrete Block, 3/1/1 with a large corner lot in the heart of Palm Bay. Close to everything. Three bedrooms, with the master having a large, 9X6 walk-in closet. Enclosed porch brings the living area (under air) to approximately 1,400 square feet. Volume ceilings in living room, bay window, enclosed porch, one car garage

    Mark Moore IRRE Group

    811 Globe Ave NW, Palm Bay, FL 32907
  • /22

    $265,000

    $10K PRICE DROP
    • 3 Beds
    • 2 Baths
    • 1,040 Sq Ft

    1456 Saxony Rd SW, Palm Bay, FL 32908

    Wanting to live in the Space Coast? This MOVE IN READY home offers new windows in 2023 Updated kitchen features solid wood cabinets, granite countertops and newer appliances. The main areas have ceramic tile floors while the bedrooms have either carpet or luxury vinyl plank flooring. The glass French doors open to the patio while allowing plenty of light to fill the dining area. The metal roof

    Sherri Jacobs EXP Realty, LLC

    1456 Saxony Rd SW, Palm Bay, FL 32908
  • /35

    $384,849

    • 3 Beds
    • 2 Baths
    • 2,486 Sq Ft

    882 Palo Alto St SE, Palm Bay, FL 32909

    Welcome to a residence where meticulous care meets thoughtful, high-end upgrades. This original-owner home offers 3 bedrooms, 2 bathrooms, and a serene blend of modern convenience and lush outdoor living. Elegant tray ceilings, 51⁄4-inch baseboards, and rounded corners add a refined, custom feel throughout. The primary suite is a true retreat, complete with a private sitting area, a relaxing

    Shirley Weems Waterman Real Estate, Inc.

    882 Palo Alto St SE, Palm Bay, FL 32909
  • /22

    $314,900

    $24K PRICE DROP
    • 3 Beds
    • 2 Baths
    • 1,362 Sq Ft

    1224 Helias St NW, Palm Bay, FL 32907

    Don't miss this completely move in ready 3 bed 2 bath home on city water in NW Palm Bay. This property has had the roof, AC, water heater and septic system all updated recently. This home offers stainless steel appliances, a full security system that covers all windows and doors and a separate camera system with 8 cameras covering both interior and exterior and can even be monitored from your

    Rich Krukoski EXP Realty, LLC

    1224 Helias St NW, Palm Bay, FL 32907
  • /37

    $410,000

    New Construction $10K PRICE DROP
    • 4 Beds
    • 2.5 Baths
    • 2,197 Sq Ft

    210 Sarah Rd SW, Palm Bay, FL 32908

    MOVE-IN READY HOME WITH NO CLOSING COST LOANS AVAILABLE. One or more photo(s) has been virtually staged--New Construction. This Luxurious 4-bedroom, 2.5 Bath Property is exquisitely built on an OVERSIZED LOT with all of the upgrades nestled in the heart of Palm Bay. Inside you will find a wonderfully open floor plan perfect for gatherings and entertaining. The capacious Chef's Kitchen is

    Joe Infantino Denovo Realty

    210 Sarah Rd SW, Palm Bay, FL 32908
  • /36

    $394,900

    $20K PRICE DROP
    • 4 Beds
    • 2 Baths
    • 2,108 Sq Ft

    3010 Eldron Blvd SE, Palm Bay, FL 32909

    Modern Corner Luxury Step into this upgraded Antonella Model built by Santos Custom Homes, a 4-bed, 2-bath masterpiece with 2,106 sq ft of open-concept luxury. Set on a premium corner lot with a built-in irrigation system, this home features soaring 10' ceilings, wood-plank tile flooring, and full Hurricane Impact windows & doors. Home Highlights:Chef's Kitchen: Thick marble-quartz counters,

    Matthew Ellis Coldwell Banker Paradise

    3010 Eldron Blvd SE, Palm Bay, FL 32909
  • /34

    $270,000

    $5K PRICE DROP
    • 3 Beds
    • 2 Baths

    112 Vin Rose Cir SE, Palm Bay, FL 32909

    Welcome to your future home in beautiful Palm Bay! This well-maintained property offers the perfect combination of comfort, space, and tranquility. Enjoy a peaceful setting while still being conveniently located near shopping, dining, schools, and major roadways. Featuring a newer 2022 A/C system for added efficiency and peace of mind, this home is ideal for those seeking both style and

    Ronald Claude Brickell Brokers LLC

    112 Vin Rose Cir SE, Palm Bay, FL 32909
  • /22

    $422,990

    New Construction
    • 4 Beds
    • 3 Baths
    • 2,551 Sq Ft

    Sandalwood Plan at Malabar Springs, Palm Bay, FL 32907

    The Sandalwood single-family villa sets the standard for main level luxury. A convenient family entry welcomes you inside to unmatched space and style. A full bath sits between 2 bedrooms, while a guest suite with full bath is found off the 3-car garage. Use the versatile flex space as a home office. The gourmet kitchen includes a large island overlooking dining space and the family room, ideal

    Ryan Homes Builder
    5215 Madras Dr NW Unit 38552857, Palm Bay, FL 32907
  • /61

    $795,000

    • 4 Beds
    • 3.5 Baths
    • 2,793 Sq Ft

    2160 Windbrook Dr SE, Palm Bay, FL 32909

    Located in the exclusive gated bayside community of Summerfield, this beautifully renovated 4BR/3.5BA home sits on over 1⁄2 acre and offers true multigenerational living. Features include two owner's suites, each with dual-sink vanities, walk-in closets, walk-in showers, and garden tubs. The private in-law suite includes an additional ensuite room ideal for a living area, office, nursery or 5th

    Tom Waldron Lawyers Real Estate Brokerage

    2160 Windbrook Dr SE, Palm Bay, FL 32909
  • /59

    $269,000

    $10K PRICE DROP
    • 3 Beds
    • 2 Baths
    • 1,416 Sq Ft

    1051 Flower St NW, Palm Bay, FL 32907

    Beautiful 3/2/2 UPDATED - NEW ROOF AND HAVAC IN 2025 and remodeled home. Open Floor plan with vaulted ceilings. New Vinyl Flooring throughout. Updated Bathrooms. New stainless appliances. Home also has a dedicated dining area and breakfast nook. Large Fenced in backyard. W/D hookups. Easy access to I 95, shopping, movies and more. Don't miss your opportunity. This will not last! Make an

    Nicole Grammer aReal Estate Service Team

    1051 Flower St NW, Palm Bay, FL 32907
  • /7

    $349,000

    • 4 Beds
    • 2 Baths
    • 2,008 Sq Ft

    146 Bonfire Ave NE, Palm Bay, FL 32907

    Beautiful 4-bedroom, 2-bath home with a private pool located in the desirable Port Malabar area of Palm Bay. This move-in ready property features porcelain tile and laminate flooring throughout—no carpet—and an updated kitchen with modern cabinetry and granite countertops. Enjoy a spacious layout with a 2-car garage and a large backyard perfect for entertaining. The property offers plenty of

    Idania Brizuela Real Estate Direct of S. Fla

    146 Bonfire Ave NE, Palm Bay, FL 32907

Showing Results 201 - 240, Page 6 of 18

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