2,360

Newest Homes for Sale in Palm Bay, FL

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  • /34

    $364,485 New Construction

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

    1310 San Filippo Dr SE, Palm Bay, FL 32909

    Introducing the Cali floorplan in Palm Bay, Florida, combining sophistication and comfort. Located in a boat and RV-friendly area, this property offers unmatched convenience and flexibility—without HOA restrictions. This 4-bedroom, 2-bathroom home spans 1,828 square feet with quartz countertops and luxury vinyl plank floors throughout main living and wet areas. The open-concept layout connects

    Howard Darvin D.R.Horton Realty of Melbourne

    1310 San Filippo Dr SE, Palm Bay, FL 32909
  • /34

    $361,985 New Construction

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

    1119 Moon St SE, Palm Bay, FL 32909

    Introducing the Cali floorplan in Palm Bay, Florida, combining sophistication and comfort. Located in a boat and RV-friendly area, this property offers unmatched convenience and flexibility—without HOA restrictions. This 4-bedroom, 2-bathroom home spans 1,828 square feet with quartz countertops and luxury vinyl plank floors throughout main living and wet areas. The open-concept layout connects

    Howard Darvin D.R.Horton Realty of Melbourne

    1119 Moon St SE, Palm Bay, FL 32909
  • /34

    $359,985 New Construction

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

    588 Ganley St, Palm Bay, FL 32908

    Introducing the Cali floorplan in Palm Bay, Florida, combining sophistication and comfort. Located in a boat and RV-friendly area, this property offers unmatched convenience and flexibility—without HOA restrictions. This 4-bedroom, 2-bathroom home spans 1,828 square feet with quartz countertops and luxury vinyl plank floors throughout main living and wet areas. The open-concept layout connects

    Howard Darvin D.R.Horton Realty of Melbourne

    588 Ganley St, Palm Bay, FL 32908
  • /83

    $264,900

    • 3 Beds
    • 2 Baths
    • 1,529 Sq Ft

    1223 Glenham Dr NE, Palm Bay, FL 32905

    Charming residence located in a well-established neighborhood of Palm Bay. This home features a spacious layout with ample natural light throughout. The kitchen has modern appliances and plenty of countertop space, appropriate for culinary enthusiasts. Enjoy outdoor living in the generous backyard, appropriate for relaxation or entertaining guests. Conveniently located near local amenities,

    Steven Koleno Beycome of Florida LLC

    1223 Glenham Dr NE, Palm Bay, FL 32905
  • /2

    $975,999

    • Land
    • 11.91 Acres
    • $81,948 per Acre

    770 Coconut St SE, Palm Bay, FL 32909

    The Coconut Street Lot is a developers dream. This perfectly rectangular 11.91 acre parcel has been rezoned RS-2 and pre-approved to allow for 36 homes on the site. With RS-2 zoning approval for higher density, each lot will be minimum 7500 sq/ft. Environmental Study has been performed. Boundary, Topography and Plat Surveys have also been completed and available. Listing agent has project

    Alexander Fundora BRS Real Estate Company

    770 Coconut St SE, Palm Bay, FL 32909
  • /25

    $325,000 New Construction

    • 3 Beds
    • 2 Baths
    • 1,630 Sq Ft

    1275 Hastings Rd SW, Palm Bay, FL 32908

    Beautiful New Construction Home for Sale! This stunning new construction home is loaded with high-end upgrades and modern finishes throughout. Built for comfort and durability, it features hurricane-impact windows and doors for added safety and energy efficiency. Elegant porcelain tile flooring runs throughout the entire home, including floor-to-ceiling porcelain tile in the showers. The kitchen

    Moe Mossa Savvy Avenue LLC

    1275 Hastings Rd SW, Palm Bay, FL 32908
  • /2

    $53,500

    • Land
    • 0.23 Acre
    • $232,609 per Acre

    920 Lava St SE, Palm Bay, FL 32909

    Secure the homesite and partner with B3 Development to bring your vision to life—design and build a fully custom home tailored to your lifestyle, finishes, and floor plan preferences. Build your vision on this vacant residential homesite in SE Palm Bay. With approximately 10,018 sq ft (about 0.23 acres), this lot offers a great footprint for a future primary residence or investment build. Enjoy a

    Johnjon Gonzalez Luxe Properties

    920 Lava St SE, Palm Bay, FL 32909
  • /54

    $325,000

    • 3 Beds
    • 2.5 Baths
    • 1,745 Sq Ft

    1407 Valerius St SE, Palm Bay, FL 32909

    Concrete (Not Frame) 3/2/2/+A Fully Fitted Office. Double Lot giving plenty of room for RV+Boat +Equipment +Room for Children and animals to Enjoy and a Home Gardners Delight. Fenced Property with 2 Large Sheds. New, 2025 Septic / Drainfield. New Roof 2024 with Hurricane Tie Downs, New Hurricane Garage Door for the Oversized 2 Car Garage with a Good Work Area. New Water Heater. Seperate Vanity

    Michael Belcher Palm Realty Properties, LLC

    1407 Valerius St SE, Palm Bay, FL 32909
  • /38

    $649,500

    • 5 Beds
    • 3 Baths
    • 2,830 Sq Ft

    1397 Danbury St SW, Palm Bay, FL 32908

    This is a gorgeous, spacious, and fully-upgraded house. Loaded with all the features that you might need. Located in the hottest developing area in Brevard county. It is a 5 bedroom, 3 bathroom, 3 car garage with a 0.5 acre fully-fenced yard and in-ground pool with hot tub on a large screened patio. The 2 Master Suite floor plan is a great opportunity for family living. Wood grain tiles in the

    Sally Shen Dalton Wade Inc.

    1397 Danbury St SW, Palm Bay, FL 32908
  • /25

    $369,900 New Construction

    • 4 Beds
    • 2 Baths
    • 1,709 Sq Ft

    1125 Satin Rd, Palm Bay, FL 32908

    Beautiful new construction CBS 4-bedroom, 2-bath home with a 3-car garage offering 1,709sq ft of thoughtfully designed living space. This open-concept home features 9'4'' ceilings throughout, creating a bright and spacious feel. The kitchen is equipped with 42'' cabinets, quartz countertops, and stainless steel appliances, perfect for both everyday living and entertaining. Quartz countertops

    Janet Palomino Davidson Denovo Realty

    1125 Satin Rd, Palm Bay, FL 32908
  • /2

    $355,000 New Construction

    • 4 Beds
    • 2 Baths
    • 1,620 Sq Ft

    1032 Welco St SE, Palm Bay, FL 32909

    Be among the first to own a brand-new 4-bedroom, 1,620 sq. ft. home in Southeast Palm Bay, completing in February 2026. This thoughtfully designed new construction features an open-concept living area with soaring vaulted ceilings, creating a bright and spacious feel throughout. Enjoy granite countertops in the kitchen and baths, top-of-the-line cabinetry, and modern finishes that blend style

    Justin Simons Real Broker, LLC

    1032 Welco St SE, Palm Bay, FL 32909
  • /30

    $285,000

    • 3 Beds
    • 2 Baths
    • 1,451 Sq Ft

    682 Papillon St SW, Palm Bay, FL 32908

    Beautiful lakefront home built in 2023 located in the gated community of Tillman Lakes. This 3- bedroom,2-bath residence features impact windows and doors, tile flooring throughout the main living areas, and an open-concept lay out filled with natural light. The modern kitchen offers a huge island, quartz countertops and stainless steel appliances, perfect for entertaining. Smart home features

    Lora Harper Keller Williams Realty of PSL

    682 Papillon St SW, Palm Bay, FL 32908
  • /2

    $68,000

    • Land
    • 0.23 Acre
    • $295,652 per Acre

    1281 Hedgecoth St NW, Palm Bay, FL 32907

    BEAUTIFUL CITY WATER LOT NESTLED IN A WELL-ESTABLISHED AND NICELY DEVELOPED NEIGHBORHOOD! OPPORTUNITIES LIKE THIS ARE BECOMING INCREASINGLY RARE, WITH VERY FEW VACANT LOTS CURRENTLY AVAILABLE IN THIS DESIRABLE AREA, SO DO NOT MISS YOUR CHANCE TO SECURE A GREAT LOCATION FOR YOUR FUTURE HOME. THIS PROPERTY IS CONVENIENTLY LOCATED WITH JUST A SHORT DRIVE WEST TO ST. JOHNS HERITAGE PARKWAY, PROVIDING

    Cheryl Smith Cheryl Smith Realty, Inc

    1281 Hedgecoth St NW, Palm Bay, FL 32907
  • /15

    $374,900

    • 5 Beds
    • 3 Baths
    • 2,862 Sq Ft

    194 Abalone Rd NW, Palm Bay, FL 32907

    Looking for some space? This home has plenty! Roof 2019. AC 2021. Water Heater 2021. With over 2800 square feet this 5 bedroom 3 full bathroom home has plenty of space for the growing family. Upstairs boasts the massive primary bedroom, 3 very spacious guest rooms, large guest bathroom and a loft area for the kids to play. Downstairs flaunts a large dining room, large kitchen with a ton of

    Nathan Siverd Arium Real Estate, LLC

    194 Abalone Rd NW, Palm Bay, FL 32907
  • /63

    $525,000

    • 4 Beds
    • 3 Baths
    • 2,558 Sq Ft

    467 Easton Forest Cir SE, Palm Bay, FL 32909

    From the moment you arrive, this home welcomes you with warmth and a sense of belonging. Inside, thoughtfully designed living and dining spaces invite connection, while the private owner's suite offers a peaceful retreat with room to unwind or work from home. Rich tigerwood and tile floors add warmththroughout, creating a space that feels both comfortable and timeless. Everyday living flows

    Agent Photo

    Troy Alexander

    Blue Marlin Real Estate

    (321) 306-2772

    467 Easton Forest Cir SE, Palm Bay, FL 32909
  • /19

    $174,500

    • 2 Beds
    • 2 Baths
    • 1,300 Sq Ft

    1724 Mango St NE, Palm Bay, FL 32905

    THIS LAKE VIEW HOME WILL NOT DISAPPOINT! Charming 2 bedroom and 2 bathroom home with a huge bonus room which could be a 3rd bedroom or den in a 55+ community will take your breath away Home offer and open kitchen with lots of cabinets, a large master bedroom with private bath, new AC, new Electrical Panel, Fully fenced in back yard, newer wood laminate floors, inside laundry room with new washer

    Chuck Alzamora CBA Realty Group

    1724 Mango St NE, Palm Bay, FL 32905
  • /29

    $235,000

    • 2 Beds
    • 1 Bath
    • 875 Sq Ft

    268 Melba Ave NW, Palm Bay, FL 32907

    Welcome home to a well-maintained, move-in-ready property designed for easy, low-maintenance living. This 2-bedroom, 1-bath home offers an open floor plan with vinyl plank flooring throughout, creating a comfortable and functional space for everyday life. Major updates are already in place, including a brand new roof in 2025, hurricane shutters, and an AC, septic, and water heater that are all in

    Alexander Warner Real Broker, LLC

    268 Melba Ave NW, Palm Bay, FL 32907
  • /2

    $39,000

    • Land
    • 0.23 Acre
    • $169,565 per Acre

    230 San Luis St SW, Palm Bay, FL 32908

    BEAUTIFUL, WOODED LOT IN A DEVELOPED NEIGHBORHOOD. THIS PRETTY PARCEL IS IN A GREAT LOCATION, JUST MINUTES FROM THE BUSTLING MALABAR RD CORRIDOR FEATURING NUMEROUS CHOICES FOR SHOPPING, BANKING, RESTAURANTS AND MORE! YOU WILL ALSO FIND ACCESS FOR YOUR COMMUTE ON I-95 TO THE EAST OR THE ST JOHNS HERITAGE PARKWAY TO THE WEST. TAKE A DRIVE BY AND HAVE A LOOK! THIS SITE UTILIZES WELL WATER AND SEPTIC.

    Cheryl Smith Cheryl Smith Realty, Inc

    230 San Luis St SW, Palm Bay, FL 32908
  • /51

    $315,000

    • 3 Beds
    • 2 Baths
    • 1,597 Sq Ft

    152 Greenbrier Ave NW, Palm Bay, FL 32907

    Welcome to this beautifully maintained 3-bedroom, 2-bath home conveniently located near all the amenities Palm Bay has to offer. Featuring a new 2023 roof and newer A/C, this home offers peace of mind for years to come. Inside, you'll find vaulted ceilings, newer flooring throughout, a bright open floor plan, and stainless steel appliances. The split-bedroom layout provides privacy, while the

    Jennifer&Charles Coley RE/MAX Elite

    152 Greenbrier Ave NW, Palm Bay, FL 32907
  • /26

    $275,000

    • 3 Beds
    • 2 Baths
    • 1,430 Sq Ft

    2109 Sans Souci Ave SE, Palm Bay, FL 32909

    Located in the growing area of Palm Bay, this well maintained 3BR/2BA home with 4 yr old roof offers comfort, style & convenience all in a non-HOA community! Enjoy wonderful curb appeal with a southern style front porch! This home offers a desirable split-bedroom floor plan and volume ceilings that create a bright open feel. The kitchen features a new stove and dishwasher and includes a whole

    Sharon Lebrun Berkshire Hathaway Florida Realty

    2109 Sans Souci Ave SE, Palm Bay, FL 32909
  • /10

    $449,995 New Construction

    • 4 Beds
    • 3 Baths
    • 2,350 Sq Ft

    971 Pace Dr NW, Palm Bay, FL 32907

    Extra Suite Plus with private bath, living room & separate porch entrance. Open kitchen, great room & dining area create a bright, connected layout. Kitchen with a spacious central island for prep space & gathering. Covered patio off the dining area for easy outdoor living. Primary suite with a private bath for added comfort. Primary bath with glass shower enclosure & walk-in closet.

    K. Hovnanian Homes Builder
    971 Pace Dr NW, Palm Bay, FL 32907
  • /30

    $406,995 New Construction

    • 4 Beds
    • 3 Baths
    • 2,094 Sq Ft

    693 Eldron Blvd SE, Palm Bay, FL 32909

    Extra Suite Plus with full bath, living room & separate porch entrance. Dining area & great room share a vaulted ceiling for an open feel. Covered patio off the great room for easy indoor-outdoor living. Kitchen with central island for prep space & casual gathering. Primary suite with a spacious walk-in closet. Private primary bath with a sleek glass shower enclosure.

    K. Hovnanian Homes Builder
    693 Eldron Blvd SE, Palm Bay, FL 32909
  • /27

    $344,900 New Construction

    • 4 Beds
    • 2 Baths
    • 1,794 Sq Ft

    101 Crosspoint St SE, Palm Bay, FL 32909

    3% SELLER CONCESSIONS! NO HOA! Luxury living at an affordable price! With 1794 SQFT of living space, to include four spacious bedrooms and two elegant bathrooms, this corner lot home offers ample space for both relaxation and entertainment. The open-concept features a modernized kitchen, complete w/ 42'' upper cabinets, Samsung stainless steel appliances, large island, dry bar, & highlighted with

    Ryan Mcduffie RLL Real Estate Group

    101 Crosspoint St SE, Palm Bay, FL 32909
  • /35

    $425,000 New Construction

    • 4 Beds
    • 3 Baths
    • 2,238 Sq Ft

    825 Santo Domingo Ave SW, Palm Bay, FL 32908

    NEW CONSTRUCTION - MOVE-IN READY & OFFERING UP TO $10,000 FLEX CASH! Why wait to build when this beautifully finished 4-bedroom, 3-bath home is ready now? No HOA and no added upgrade costs—this home includes premium features throughout. Highlights include quartz countertops, soft-close cabinetry, an oversized kitchen island with ample storage, French doors to the backyard, ceiling fans in every

    Monica Preisendanz Real Broker, LLC

    825 Santo Domingo Ave SW, Palm Bay, FL 32908
  • /2

    $439,990 New Construction

    • 4 Beds
    • 2 Baths
    • 2,087 Sq Ft

    343 Curry St NE, Palm Bay, FL 32905

    To Be Built - The Ericka 3 by a local builder. This impressive 4-bedroom, 2-bath, 3-car garage home offers 2,087 sq. ft. of refined living on city water and sewer. Designed with attention to detail, it features soaring 10' ceilings, 8' interior doors, quartz countertops, and fully tiled showers throughout. The primary suite serves as a private retreat with an oversized walk-in shower, transom

    Gina Imbruglio-Ciano Real Broker, LLC

    343 Curry St NE, Palm Bay, FL 32905
  • /2

    $439,990 New Construction

    • 4 Beds
    • 3 Baths
    • 2,087 Sq Ft

    185 Meadow Ave SE, Palm Bay, FL 32909

    To Be Built - The Ericka 3 by a local builder. This impressive 4-bedroom, 2-bath, 3-car garage home offers 2,087 sq. ft. of refined living on city water and sewer. Designed with attention to detail, it features soaring 10' ceilings, 8' interior doors, quartz countertops, and fully tiled showers throughout. The primary suite serves as a private retreat with an oversized walk-in shower, transom

    Gina Imbruglio-Ciano Real Broker, LLC

    185 Meadow Ave SE, Palm Bay, FL 32909
  • /2

    $435,990 New Construction

    • 4 Beds
    • 2 Baths
    • 2,087 Sq Ft

    756 Taluga Ave SE, Palm Bay, FL 32909

    To Be Built - The Ericka 3 by a local builder. This impressive 4-bedroom, 2-bath, 3-car garage home offers 2,087 sq. ft. of refined living on city water and septic. Designed with attention to detail, it features soaring 10' ceilings, 8' interior doors, quartz countertops, and fully tiled showers throughout. The primary suite serves as a private retreat with an oversized walk-in shower, transom

    Gina Imbruglio-Ciano Real Broker, LLC

    756 Taluga Ave SE, Palm Bay, FL 32909
  • /9

    $412,830 New Construction

    • 4 Beds
    • 3 Baths
    • 2,350 Sq Ft

    148 Lagoon St SW, Palm Bay, FL 32908

    Private Extra Suite Plus, perfect for multigenerational families. Charming kitchen featuring medium-tone stained cabinetry & center island. Open concept living spaces for hosting family & friends. Lavish primary suite & bath with generous walk-in closet. Inviting covered patio for outdoor relaxation. Spacious 3-car garage provides convenient parking.

    K. Hovnanian Homes Builder
    148 Lagoon St SW, Palm Bay, FL 32908
  • /38

    $410,000

    • 4 Beds
    • 2 Baths
    • 1,838 Sq Ft

    1139 Hutchins St SE, Palm Bay, FL 32909

    Where comfort meets opportunity—this Palm Bay gem offers space, style, and standout features you won't find every day.Designed with families in mind, this cozy and serene home offers 4 spacious bedrooms and 2 updated bathrooms across 1,838 sq ft of comfortable living space—plenty of room for everyone to spread out. The updated kitchen features a convenient mobile island, perfect for meal

    Nildette Alfaro Arium Real Estate, LLC

    1139 Hutchins St SE, Palm Bay, FL 32909
  • /2

    $34,950

    • Land
    • 0.23 Acre
    • $151,957 per Acre

    2841 Gaghagen St SE, Palm Bay, FL 32909

    This vacant land lot located at 2841 Gaghagen St in Palm Bay, FL, offers a great opportunity for building your dream home. With a lot size of 0.23 acres, there is plenty of space to design and create the perfect residence. The property was built in 0 and is situated in a desirable neighborhood. The land is ready for construction with no existing structures, allowing for complete customization.

    Zachary Greenberg Coastal R. E. Professionls LLC

    2841 Gaghagen St SE, Palm Bay, FL 32909
  • /24

    $39,500

    • Land
    • 0.23 Acre
    • $171,739 per Acre

    826 Wheatley St SE, Palm Bay, FL 32909

    If you are ready to relocate to a beautiful coastal community in Florida, look no further! If you've been dreaming of retiring, with a golf club in one hand and a fishing pole in the other, come check out what Palm Bay, FL has to offer! This property is in a quiet neighborhood, perfectly situated near major routes. It is less than 6 minutes to the new I-95 interchange, making commuting a breeze!

    D.Gale Coldwell Cheryl Smith Realty, Inc

    826 Wheatley St SE, Palm Bay, FL 32909
  • /2

    $179,000

    • 2 Beds
    • 2 Baths
    • 793 Sq Ft

    1491 Sheafe Ave NE Unit 112, Palm Bay, FL 32905

    Move-in ready 2 bedroom, 2 bath townhome in the desirable Oakwood Villas! This updated home features an open floor plan, a remodeled primary en suite bathroom, an updated kitchen with all appliances included, plus an in-unit washer and dryer. Enjoy the screened front patio and low-maintenance living throughout. The community offers excellent amenities including a pool, tennis courts, park and

    Charlene Cook Cook Realty LLC

    1491 Sheafe Ave NE Unit 112, Palm Bay, FL 32905
  • /32

    $346,453 New Construction

    • 3 Beds
    • 2 Baths
    • 1,684 Sq Ft

    3221 Bowline Ave SE, Palm Bay, FL 32909

    Covered porch leads to a bright, inviting foyer. Open kitchen, dining & great room for easy entertaining. Beauitful kitchen with center quartz island & matte black pendant lights. Covered patio off dining area for outdoor relaxation. Private primary suite offers comfort & privacy. Spa-like primary bath with Brellin White dual vanities. Spacious 2-car garage provides ample storage & parking.

    K. Hovnanian Homes Builder
    3221 Bowline Ave SE, Palm Bay, FL 32909
  • /32

    $343,170 New Construction

    • 3 Beds
    • 2 Baths
    • 1,684 Sq Ft

    3257 Warsaw Ave SE, Palm Bay, FL 32909

    Well-equipped kitchen with wood-stained cabinetry & floating shelves. Sprawling quartz island with pendant lights above. Open dining area & great room for entertaining guests. Private primary suite for rest & relaxation. Refreshing primary bath with dual sinks and glass shower enclosure. Iniviting covered patio with access to dining area. Attached 2-car garage for vehicles & storage.

    K. Hovnanian Homes Builder
    3257 Warsaw Ave SE, Palm Bay, FL 32909
  • /15

    $311,888 New Construction

    • 3 Beds
    • 2 Baths
    • 1,808 Sq Ft

    2830 Madden Ave SW, Palm Bay, FL 32908

    3 bed | 2 bath | 2-bay | 1808 sqft

    Century Complete Builder
    2830 Madden Ave SW, Palm Bay, FL 32908
  • /16

    $315,990 New Construction

    • 3 Beds
    • 2 Baths
    • 1,811 Sq Ft

    2942 Pomello Ave SW, Palm Bay, FL 32908

    3 bed | 2 bath | 2-bay | 1811 sqft

    Century Complete Builder
    2942 Pomello Ave SW, Palm Bay, FL 32908
  • /14

    $325,990 New Construction

    • 3 Beds
    • 2 Baths
    • 1,808 Sq Ft

    2990 Lakeland Ave SW, Palm Bay, FL 32908

    3 bed | 2 bath | 2-bay | 1808 sqft

    Century Complete Builder
    2990 Lakeland Ave SW, Palm Bay, FL 32908
  • /17

    $330,888 New Construction

    • 4 Beds
    • 3 Baths
    • 1,941 Sq Ft

    223 Tatum Rd SW, Palm Bay, FL 32908

    4 bed | 3 bath | 2-bay | 1941 sqft

    Century Complete Builder
    223 Tatum Rd SW, Palm Bay, FL 32908
  • 121 District St SE, Palm Bay, FL 32909

    $349,990 New Construction

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

    121 District St SE, Palm Bay, FL 32909

    Introducing the Cali floorplan, designed and built throughout Palm Bay, Florida, where every inch of space is crafted for both sophistication and comfort. Located in a boat and RV-friendly area, this property offers unmatched convenience and flexibility—without HOA restrictions. This 4-bedroom, 2-bathroom home spans 1,828 square feet of stylish living, blending modern convenience with timeless

    D.R. Horton Builder
    121 District St SE, Palm Bay, FL 32909
  • 990 Eastlake St SE, Palm Bay, FL 32909

    $354,990 New Construction

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

    990 Eastlake St SE, Palm Bay, FL 32909

    Introducing the Cali floorplan, designed and built throughout Palm Bay, Florida, where every inch of space is crafted for both sophistication and comfort. Located in a boat and RV-friendly area, this property offers unmatched convenience and flexibility—without HOA restrictions. This 4-bedroom, 2-bathroom home spans 1,828 square feet of stylish living, blending modern convenience with timeless

    D.R. Horton Builder
    990 Eastlake St SE, Palm Bay, FL 32909

Showing Results 241 - 280, Page 7 of 18

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