1,667

Homes for Sale near Odyssey Preparatory Academy

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  • /20

    $270,000

    • 3 Beds
    • 2 Baths
    • 1,378 Sq Ft

    840 Avalon St SE, Palm Bay, FL 32909

    Spacious 3 bedroom 2 bathroom split level home in Palm Bay. The A/C was replaced in 2019.. Large screened in porch and fenced in back yard. All appliances are included, and the stove is newer. Vaulted ceilings add o the spacious feeling. Call to see, 24 hour notice to show.

    Amy Bergstrom HomeSmart Coastal Realty

    840 Avalon St SE, Palm Bay, FL 32909
  • /2

    $36,000

    • Land
    • 0.23 Acre
    • $156,522 per Acre

    1940 Madden Ave SW, Palm Bay, FL 32908

    For the lover of the outdoors, this affordable lot offers proximity to natural reserves and the coastline. Set in a varied neighborhood without HOA limitations, you have the flexibility to build a home that reflects your style. Enjoy quick trips to nearby parks for hiking or kayaking, and unwind on the beaches just a short drive away. This lot provides a harmonious blend of nature access and

    Lisa Bertossa KEYSTONE RESIDENTIAL GROUP LLC

    1940 Madden Ave SW, Palm Bay, FL 32908
  • /15

    $530,000

    • 4 Beds
    • 2 Baths
    • 2,040 Sq Ft

    212 Grouper Cir SE, Palm Bay, FL 32909

    Gorgeous home in a beautiful community. The pool area is a dream! Surrounded by mature Areca palm trees for privacy, a sun shelf and umbrella holder, fiber optic lighting, waterfall, and cabana bath all completely screened in with an additional 400sf covered porch, and a dual heating system for swimming pool including electric heat pump and a solar heater with a consolidated central operating

    Stephen Hachey Flat Fee MLS Realty

    212 Grouper Cir SE, Palm Bay, FL 32909
  • /44

    $409,900

    • 4 Beds
    • 3 Baths
    • 2,000 Sq Ft

    1398 Saxony Rd SW, Palm Bay, FL 32908

    Superb location! This brand-new home is READY NOW! Featuring hurricane-impact windows, a water softener, and no carpet, it boasts luxury wood-look vinyl flooring throughout. Large windows flood the home with natural light, enhancing the open design. The massive kitchen showcases white cabinets, quartz countertops, stylish backsplash, triple pendant lighting above the large center island & SS

    Silvia Mozer RE/MAX Elite

    1398 Saxony Rd SW, Palm Bay, FL 32908
  • /4

    $35,500

    772 Sandlewood St, Palm Bay, FL 32908

    Quiet Neighborhood In SW Palm Bay To Built Your Dream Home Or For Future Investment.

    William Humbert AllStar Realty of Brevard LLC

    772 Sandlewood St, Palm Bay, FL 32908
  • /26

    $305,000

    • 3 Beds
    • 2 Baths
    • 1,392 Sq Ft

    149 Cassia Ave SE, Palm Bay, FL 32909

    This beautifully updated 3 bedroom, 2 bathroom home is move-in ready! This open concept and split floor plan features freshly painted interior features new vinyl plank flooring, brand new appliances, new quartz countertops and and kitchen cabinets. Enjoy mosquito free nights from your screened-in back porch and create your tranquil outdoor oasis in the extremely spacious backyard. Roof is only a

    Jason Engle RE/MAX Solutions

    149 Cassia Ave SE, Palm Bay, FL 32909
  • /2

    $30,000

    2843 Sage Ave SW, Palm Bay, FL 32908

    THIS QUIET SETTING IS FULL OF POTENTIAL! SEVERAL HOMES ALREADY NEARBY IN THIS UP AND COMING AREA. THIS IS JUST 7 MINUTES FROM THE BEAUTIFUL BAYSIDE LAKES DISTRICT, FEATURING A PUBLIX, DUNKIN', STARBUCKS, WALGREENS, TASTY EATERIES, MEDICAL SERVICES, AND MORE! BAYSIDE HIGH AND WESTSIDE ELEMENTARY SCHOOLS ARE A SHORT 6-MINUTE COMMUTE. THE ST JOHNS HERITAGE I-95 INTERCHANGE IS 13 MINUTES AWAY WITH

    Cheryl Smith Cheryl Smith Realty, Inc

    2843 Sage Ave SW, Palm Bay, FL 32908
  • /2

    $31,000

    669 Leafy Rd SW, Palm Bay, FL 32908

    A TOUCH OF COUNTRY BUT JUST 7 MINUTES FROM THE BEAUTIFUL BAYSIDE LAKES DISTRICT, FEATURING A PUBLIX, STARBUCKS, DUNKIN', WALGREENS, TASTY EATERIES, MEDICAL SERVICES, AND MORE! BAYSIDE HIGH AND WESTSIDE ELEMENTARY SCHOOLS ARE A SHORT 6-MINUTE COMMUTE. THE NEW SOUTH I-95 INTERCHANGE, ST JOHNS HERITAGE IS 13 MINUTES AWAY WITH A NEW PUBLIX NEARBY, AND THE BUSY MALABAR ROAD CORRIDOR IS LESS THAN 15

    Cheryl Smith Cheryl Smith Realty, Inc

    669 Leafy Rd SW, Palm Bay, FL 32908
  • /2

    $45,000

    551 Fonsica St SW, Palm Bay, FL 32908

    NEWER PAVED ROADS AND A COUNTRY FEEL, STILL COMFORTABLY CLOSE TO ALL THE BEST EVERYDAY CONVENIENCES! THIS AREA REQUIRES 1,800 SQ FT UNDER-AIR WHEN BUILDING A HOME, WHICH IS GOOD FOR PROPERTY VALUES! THIS PARCEL IS JUST 6 MINUTES FROM BAYSIDE HIGH AND WESTSIDE ELEMENTARY. THE LOCAL MIDDLE SCHOOL IS A 12-MINUTE COMMUTE. ALL THE SHOPS, BUSINESSES, AND EATERIES AT THE BAYSIDE LAKES COMMERCIAL CENTER

    Cheryl Smith Cheryl Smith Realty, Inc

    551 Fonsica St SW, Palm Bay, FL 32908
  • /2

    $37,000

    3306 Nighthawk Ave, Palm Bay, FL 32908

    ENJOY A TOUCH OF COUNTRY WITHIN THE CITY LIMITS! THIS QUIET AREA IS JUST 7 MINUTES FROM THE BEAUTIFUL BAYSIDE LAKES DISTRICT, FEATURING A PUBLIX, DUNKIN', WALGREENS, TASTY EATERIES, MEDICAL SERVICES, AND MORE! BAYSIDE HIGH AND WESTSIDE ELEMENTARY SCHOOLS ARE A SHORT 6-MINUTE COMMUTE. THE ST JOHNS HERITAGE I-95 INTERCHANGE IS 13 MINUTES AWAY WITH A NEW PUBLIX NEARBY AND A PROMISE OF MORE

    Cheryl Smith Cheryl Smith Realty, Inc

    3306 Nighthawk Ave, Palm Bay, FL 32908
  • /9

    $40,500

    • Land
    • 0.23 Acre
    • $176,087 per Acre

    2743 Freehold Ave SE, Palm Bay, FL 32909

    Discover the perfect spot to build your dream home or investment property in the heart of Palm Bay! This spacious 125ft by 80ft lot offers ample space and endless possibilities. Nestled in a tranquil neighborhood, this property boasts: - Proximity to shopping and dining - easy access to major highways and the beach - a serene environment with mature trees and natural beauty. Don't miss this

    Margarett Klein EXP Realty, LLC

    2743 Freehold Ave SE, Palm Bay, FL 32909
  • /34

    $359,999

    • 3 Beds
    • 2 Baths
    • 1,814 Sq Ft

    1780 Dittmer Cir SE, Palm Bay, FL 32909

    Motivated Seller - Discover this beautiful 3-bedroom, 2-bathroom home with an open floor plan, The home features separate living and family rooms, offering versatile spaces for gatherings and a screened-in patio that overlooks a private backyard. Situated on a quiet street in the sought-after Heron Bay neighborhood of Palm Bay, this move-in-ready home boasts tile and laminate flooring, high

    Khalilah Maragh Florida Realty Results, LLC

    1780 Dittmer Cir SE, Palm Bay, FL 32909
  • /29

    $284,000

    • 3 Beds
    • 2.5 Baths
    • 1,329 Sq Ft

    834 Wateroak Dr NE, Palm Bay, FL 32905

    NEW METAL ROOF PRIOR TO CLOSING!!! Discover this stunning 3-bedroom, 2.5-bath home in Palm Bay! Featuring tile and wood plank flooring, vaulted ceilings, and abundant natural light, this home offers comfort and style. The community pool and included lawn care make maintenance effortless. Conveniently located near shopping centers. Schedule your showing today! Ask the agent for additional details.

    Laura Cerpa Waterman Real Estate, Inc.

    834 Wateroak Dr NE, Palm Bay, FL 32905
  • /2

    $49,900

    2270 Kent St NE, Palm Bay, FL 32907

    Seize this incredible opportunity to build your home on this spacious vacant lot in highly desirable Northeast Palm Bay! With city water available and no HOA restrictions, this property offers the perfect blend of convenience and flexibility.Located minutes from Florida Institute of Technology (FIT), Eastern Florida State College, and major employers like Northrop Grumman, L3Harris, and

    Joseph Puzino Charles Rutenberg Realty

    2270 Kent St NE, Palm Bay, FL 32907
  • /34

    $390,000

    • 4 Beds
    • 2 Baths
    • 2,000 Sq Ft

    1923 Capital Dr SE, Palm Bay, FL 32909

    No need to wait for your home to be built. Step into this 2-year-old smart home sitting on lakeside for you to have your morning coffee in the screened porch. Walking distance to the family community pool. 4bdrms split plan. Open floor plan all facing the lake. 2 car garage. Located in Cypress Bay Preserve an upcoming gated community. Shopping in close vicinity.

    Val Nowak RE/MAX Crown Realty

    1923 Capital Dr SE, Palm Bay, FL 32909
  • /5

    $48,000

    3211 Toledo Ave SW, Palm Bay, FL 32908

    VACANT LAND = Build your New Home in desirable area of Palm Bay= Min. Sq. Ft. of living area for home is 1800 Sq. Ft. = Only 20 Minutes from Beautiful Beaches on the Atlantic Ocean and 10 Minutes from the Indian River. (Intercoastal Waterway) Only one hour from Disney World, Sea World, Universal Studios and 45 Minutes from Kennedy Space Center.

    Jerry Ogburn Coldwell Banker Paradise

    3211 Toledo Ave SW, Palm Bay, FL 32908
  • /2

    $25,000

    718 Steward St, Palm Bay, FL 32908

    Seller will contribute $3000 towards the cost of installing utilities. Power line is 2 streets away.Don't miss this opportunity to own some land in a developing area. If you'd like a little country living, but is still close to schools, shopping, restaurants and amenities, this lot's for you. Or if you're looking for an investment for the future, this lot is a great buy..

    Dianne Lucas RE/MAX Elite

    718 Steward St, Palm Bay, FL 32908
  • /8

    $375,000

    • 3 Beds
    • 2 Baths
    • 2,065 Sq Ft

    476 Garbelmann St SW, Palm Bay, FL 32908

    Gorgeous upgraded 2023 concrete block home with over 2,000 sqft of living space in a tranquil neighborhood, home features include NEW ROOF 2023, tile flooring throughout the home, modern 42 tall wall kitchen cabinets, quartz countertop, stainless steel appliances, front and back enclosure porches, high ceilings, wide open floor plan, huge over sized master suite, upgraded master bathroom with

    Yunuel Leon Coldwell Banker Paradise

    476 Garbelmann St SW, Palm Bay, FL 32908
  • /5

    $60,500

    1580 Republic St SE, Palm Bay, FL 32909

    The 0.24 acre buildable residential lot is available in Port Malabar Unit 24 of Palm Bay. Located in the southeast section, this lot has City Water available, and is just .9 miles - 3 minutes to Columbia Elementary School, 3.1 miles - 8 minutes to the Publix Supermarket, 9.7 miles - 21 minutes to Melbourne Airport, and 12 miles - 26 minutes to the beaches of Indialantic. From exit #173 of I-95

    Phil Rotondo Coldwell Banker Realty

    1580 Republic St SE, Palm Bay, FL 32909
  • /20

    $349,999

    • 4 Beds
    • 2 Baths
    • 1,908 Sq Ft

    559 Rembrandt St SE, Palm Bay, FL 32909

    Newer home with 3 bedrooms and office . Tile in living areas, granite kitchen counters, gray shaker cabinets. Bathrooms have tiled shower in master. Open floor plan with breakfast area and a formal dining room. Screened lanai and hurricane shutters included. Backyard is fully fenced . Location near Bayside Lakes, easy access to shopping and restaurants.

    Karen Wojnowski RE/MAX Aerospace Realty

    559 Rembrandt St SE, Palm Bay, FL 32909
  • /4

    $43,500

    • Land
    • 0.24 Acre
    • $181,250 per Acre

    443 Wayland Rd SW, Palm Bay, FL 32908

    Pie shaped lot near Minton Rd and Malabar Rd. Super convenient because of how easy it is to get to Malabar Rd but yet private and quiet at the same time.

    NATASHA LOGAN Now Realty Corp

    443 Wayland Rd SW, Palm Bay, FL 32908
  • /28

    $425,000

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

    1135 Wyoming Dr SE, Palm Bay, FL 32909

    READY TO MOVE IN! Step into modern luxury living in Palm Bay, conveniently located near shopping, dining, and more. Enjoy a stunning kitchen with a massive 9'x4' granite island featuring dual waterfall edges, high-end Samsung appliances, an in-counter microwave, and custom cabinetry with glass accents and soft-close features. The open-concept design seamlessly connects the kitchen, dining, and

    Dwayne Byrd ARIUM REAL ESTATE, LLC

    1135 Wyoming Dr SE, Palm Bay, FL 32909
  • /26

    $390,000

    • 3 Beds
    • 3 Baths
    • 2,098 Sq Ft

    553 Cooper Ct SW, Palm Bay, FL 32908

    Up to $10,000 in closing costs paid by seller!! Beautiful 3-Bedroom 3 Bath Concrete Block Home with In-Law Suite & Lake Views in Bayridge! Welcome to this beautifully designed 2021-built concrete block home in the sought-after community of Bayridge! Featuring an open floor plan, this home offers 3 bedrooms, a home office that can be used as a 4th bedroom, and a private in-law suite with a

    Lisa Murray Murray Realty of Brevard

    553 Cooper Ct SW, Palm Bay, FL 32908
  • /2

    $29,900

    • Land
    • 0.23 Acre
    • $130,000 per Acre

    2777 Valentine Ave SW, Palm Bay, FL 32908

    One of two lots for sale. in the Bayside Lakes area. This lot is sold with 2791 Valentine Ave SW. They are sold at the same time. It is not sold separately.

    Jeannie Gurgon Sun Capital Realty Group

    2777 Valentine Ave SW, Palm Bay, FL 32908
  • /2

    $40,000

    • Land
    • 0.27 Acre
    • $148,148 per Acre

    698 Yardley St SW, Palm Bay, FL 32908

    Vacant corner lot in Brevard County, perfect to build your dream home, situated in a booming area of Palm Bay, the lot is currently not cleared allowing you to create a space to suit your style and needs. Motivated Owner.

    Pedro Vidal Charles Rutenberg Realty FTL

    698 Yardley St SW, Palm Bay, FL 32908
  • /39

    $425,000

    • 4 Beds
    • 3 Baths
    • 2,200 Sq Ft

    261 Nardo Ave SW, Palm Bay, FL 32908

    PRICE IMPROVEMENT OF $5K! SELLER ALSO OFFERING UP TO $5K TOWARD CLOSING COSTS! Welcome to majestic 261 Nardo Ave, nestled in the lovely community of Sloneridge in SW Palm Bay. One of the few homes w/ a 3-car garage. This lightly-lived-in, beautiful 4-bed, 3-bath, plus flex room, home sits on 1 of the 2 ponds in the subdivision & has over $100K in upgrades! Freshly painted interior. Granite

    Jill Adams Madison Allied LLC

    261 Nardo Ave SW, Palm Bay, FL 32908
  • /28

    $465,000

    • 4 Beds
    • 3 Baths
    • 2,083 Sq Ft

    1483 Summer St SE, Palm Bay, FL 32909

    Like new! Discover this stunning 4-bedroom, 3-bathroom home with a versatile flex space perfect for an office or extra living area. Located in the heart of the Southeast, It offers a seamless blend of comfort and style. Gorgeous tile flooring flows throughout the home, enhancing its elegant appeal. The spacious kitchen features sleek granite countertops, ideal for meal prep and entertaining. The

    Maria Rojas Arium Real Estate, LLC

    1483 Summer St SE, Palm Bay, FL 32909
  • /35

    $1,325,000

    • 3 Beds
    • 4 Baths
    • 4,159 Sq Ft

    1420 Corey Rd, Malabar, FL 32950

    Step through these doors to MAGNIFICENCE! A quality Walden build. Attention to every major and minor detail. Spacious floor plan opens to outdoor living with built in barbeque. Double sinks and waterfall countertops. Entertainment center completes the mix of comfort and class. 1.43 Acres, 3 car garage and fenced area for a boat.

    Grace Drapeau Compass Florida LLC

    1420 Corey Rd, Malabar, FL 32950
  • /2

    $134,400

    • Land
    • 1.40 Acres
    • $96,000 per Acre

    0 Mccain Ln Unit MFRO6280966, Malabar, FL 32950

    Land Description: E 1/2 OF N 200 FT OF S 400 FT OF NE 1/4 OF SW 1/4 OF SE 1/4 EX E 25 FT AKA TRACT 42Vacant Residential. Note: buyers I emphasize the importance of conducting thorough due diligence to ensure that the property meets your expectations and requirements.

    Samih Sadiq KELLY RIGHT REAL ESTATE

    0 Mccain Ln Unit MFRO6280966, Malabar, FL 32950
  • /26

    $120,000

    • 2 Beds
    • 1.5 Baths
    • 624 Sq Ft

    674 Sunrise Ct NE, Palm Bay, FL 32907

    Sitting on one of the largest lots, this home is perfect for Snowbird's or anyone wanting to live in a resort style 55+ community. The owner's have remodeled from top to bottom from the new roof in 2022 to all new subflooring and vinyl tile throughout. A cozy half bath was added to the guest room. The decor is light and bright and all furnishings are included. The pavered patio is the perfect

    Joanna Harte Hart To Hart Real Estate, Inc.

    674 Sunrise Ct NE, Palm Bay, FL 32907
  • /26

    $415,000

    • 3 Beds
    • 2 Baths
    • 2,017 Sq Ft

    1015 Durango St SE, Palm Bay, FL 32909

    BETTER THAN NEW - PRIDE OF OWNERSHIP SHINES! Meticulously maintained 3-bedroom home, with an additional office/den that could easily convert into a 4th bedroom; modern living at its finest! Located in a prime area with CITY WATER & SEWER services. Packed with upgrades: WOOD-LOOK TILE FLOORING THROUGHOUT, a SMART HOME SYSTEM, INSULATED SMART GARAGE DOOR to operate it from your phone or tablet,

    Susi Cruz Arium Real Estate, LLC

    1015 Durango St SE, Palm Bay, FL 32909
  • /36

    $325,000

    • 4 Beds
    • 2 Baths
    • 1,913 Sq Ft

    207 Alcantarra St NW, Palm Bay, FL 32907

    This beautiful 2004 concrete block construction home, located on an oversized corner lot just a short walk from McAuliffe Elementary—perfect for growing families! Inside, you'll find soaring cathedral ceilings that enhance the bright, open floor plan. The spacious great room, kitchen, and eat-in dining area feature 18'' tile throughout. The home also includes a convenient inside laundry room and

    Jennifer&Charles Coley RE/MAX Elite

    207 Alcantarra St NW, Palm Bay, FL 32907
  • /46

    $420,000

    • 3 Beds
    • 2 Baths
    • 1,723 Sq Ft

    2900 Totem Ave SE, Palm Bay, FL 32909

    This home has it all. 3 bedrooms 2 bath, saltwater pool home, situated on an almost 1/3 acre lot. The split floorplan offers high ceilings, upgraded solid floorings and a well-equipped kitchen with granite countertops. The shingle roof was put on in July 2023 as well as easy to use accordion shutters installed for all openings. Outside the pool area is a tropical sanctuary with screen

    Elliott Grozan Denovo Realty

    2900 Totem Ave SE, Palm Bay, FL 32909
  • /72

    $549,982

    • 5 Beds
    • 3 Baths
    • 3,255 Sq Ft

    115 Ridgemont Cir SE, Palm Bay, FL 32909

    Nestled in the sought-after Bayside Lakes community, this stunning 5-bedroom, 3-bath home offers the perfect blend of comfort, space, and convenience. From the moment you step inside, you'll be captivated by the formal living and dining areas, complemented by an expansive open floor plan that makes entertaining effortless. The oversized kitchen, complete with ample counter space, overlooks a

    Marcie Bolt Engel&Voelkers Melb Beachside

    115 Ridgemont Cir SE, Palm Bay, FL 32909
  • /5

    $69,000

    • Land
    • 1.40 Acres
    • $49,286 per Acre

    0 Hazel Ln, Malabar, FL 32950

    Seize the chance to own 1.40 acres of prime residential land in the sought-after town of Malabar, FL! Whether you’re looking to BUILD your dream home or expand your INVESTMENT PORTFOLIO, this spacious lot offers endless potential. Nestled in a peaceful yet convenient location, this property provides the perfect blend of privacy and accessibility. Enjoy the tranquility of Florida’s natural beauty

    Dante Profita DALTON WADE INC

    0 Hazel Ln, Malabar, FL 32950
  • /38

    $409,000

    • 3 Beds
    • 2.5 Baths
    • 1,896 Sq Ft

    1281 Canfield Cir, Melbourne, FL 32909

    Welcome to this beautiful 2023-built, 3-bedroom + bonus room, 2.5-bath home nestled in the desirable Gardens of Waterstone community! This two-story, split-plan design offers the perfect balance of comfort and functionality. Enjoy tile flooring in the main living areas and plush carpeting in the bedrooms for a cozy touch.The open-concept kitchen features stainless steel appliances and

    Elisha Nelson BHHS Florida Realty

    1281 Canfield Cir, Melbourne, FL 32909
  • /8

    $25,000

    1911 Andicola Ave SW, Palm Bay, FL 32908

    Location, location location! Don't miss this buildable .24 acre vacant land located in Palm Bay's growing & sought after Unit 53. This lot is located a shot drive to Bayside Lakes and the brand new Heritage Park Way. It's convenient to I-95, great shopping, schools and area restaurants plus only a short drive to major defense companies like L3 Harris, Northup Grumman and more. Build your dream

    Angelique Jones Keller Williams Realty Brevard

    1911 Andicola Ave SW, Palm Bay, FL 32908
  • /6

    $20,000

    2150 Sparta Ave SW, Palm Bay, FL 32908

    Location, location location! Don't miss this buildable .24 acre vacant land located in Palm Bay's growing & sought after Unit 53. This lot is located a shot drive to Bayside Lakes and the brand new Heritage Park Way. It's convenient to I-95, great shopping, schools and area restaurants plus only a short drive to major defense companies like L3 Harris, Northup Grumman and more. Build your dream

    Angelique Jones Keller Williams Realty Brevard

    2150 Sparta Ave SW, Palm Bay, FL 32908
  • /6

    $42,000

    • Land
    • 0.23 Acre
    • $182,609 per Acre

    980 Westunder St SE, Palm Bay, FL 32909

    This beautiful lot is ideally situated near the desirable Bayside Lakes ! Enjoy the convenience of being just a short drive to Publix, shopping, dining, The well water/septic site backs up to the Melbourne Tillman Drainage Canal, offering added privacy with no immediate rear neighbors. Plus, quick access to I-95 and Babcock St. This is the perfect lot for your dream home!

    Khalilah Maragh Florida Realty Results, LLC

    980 Westunder St SE, Palm Bay, FL 32909
  • /40

    $420,000

    • 4 Beds
    • 2.5 Baths
    • 2,900 Sq Ft

    274 Lagoon St SW, Palm Bay, FL 32908

    STUNNING CUSTOM HOME ON DOUBLE LOT WITH CANAL VIEWS! Welcome to this amazing custom home, boasting 2,900 sq. ft. of living space and a total of 3,752 sq. ft. under roof, situated on a sprawling double lot overlooking the serene Melbourne Tillman Canal. As you step inside, you'll be greeted by wood flooring throughout the main areas of the home vaulted ceilings in the living area and high ceilings

    Ricky Van Sickle RE/MAX Aerospace Realty

    274 Lagoon St SW, Palm Bay, FL 32908

Showing Results 481 - 520, Page 13 of 18

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