1,032

Palmetto, FL Homes for Sale

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  • /14

    $364,000

    New Construction
    • 4 Beds
    • 2 Baths
    • 1,498 Sq Ft

    4327 109th St E, Palmetto, FL 34221

    The Freeport II is a modern single-story floor plan designed with both style and convenience in mind. Offering 4 bedrooms and 2 bathrooms, this home provides the perfect balance of space and functionality for families of all sizes. Its open-concept design connects the kitchen, dining, and living areas, creating an inviting space that’s ideal for gatherings or everyday living. The primary suite is

    D.R. Horton Builder
    4327 109th St E, Palmetto, FL 34221
  • /41

    $42,500

    $17K PRICE DROP
    • 2 Beds
    • 2 Baths
    • 1,404 Sq Ft

    5700 Bayshore Rd Unit 328, Palmetto, FL 34221

    his lovely 1984, 2 bedroom, 2 bathroom, (26x44, 1144 sq. ft.) Fleetwood manufactured home is located in Country Lakes Village 1, a gated, 5-star, dog friendly, 55+ community (second occupant can be 45+). Priced to sell! New floors throughout and a new air conditioner (2023), new water heater (2024), upgraded electric panal box (2024) new GFI elctric outlets in the kitchen and bathrooms, a queen

    Dianna Nims A Paradise Mobile Homes Inc

    5700 Bayshore Rd Unit 328, Palmetto, FL 34221
  • /81

    $1,395,000

    • 4 Beds
    • 3.5 Baths
    • 3,252 Sq Ft

    1105 3rd St E, Palmetto, FL 34221

    Experience waterfront luxury in the prestigious gated community of Riviera Dunes, where every day begins with breathtaking water views and ends with effortless access to the Gulf. Perfectly positioned on the community's 18-foot-man made harbor, this beautifully updated residence includes a private boat slip on 3rd Street that accommodates up to a 60-foot boat, offering direct Gulf access in just

    Danielle Redner FLORIDA EXECUTIVE REALTY

    1105 3rd St E, Palmetto, FL 34221
  • /36

    $169,900

    $13K PRICE DROP
    • 2 Beds
    • 2 Baths
    • 1,356 Sq Ft

    8420 Imperial Cir, Palmetto, FL 34221

    Virtually Staged. Welcome to this value-packed opportunity in the highly desirable 55+ community of Imperial Lakes Estates, where you own the land—no lot rent! Offering over 1,300 square feet of living space, this 2-bedroom, 2-bath home features a spacious and functional layout ready for your personal touches. Inside, you’ll find generous living and dining areas with built-in cabinetry and great

    Mara Daniel LIVE MODERN

    8420 Imperial Cir, Palmetto, FL 34221
  • /55

    $999,999

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

    4900 Arlington Rd, Palmetto, FL 34221

    A rare expression of waterfront luxury, this extraordinary residence offers an unparalleled blend of refined design, exceptional outdoor living, and effortless Gulf access. Perfectly positioned on 105 feet of pristine waterfront with impact windows and doors, this impeccably reimagined 3-bedroom, 3-bathroom estate encompasses more than 2,000 square feet of sophisticated living space, thoughtfully

    Tim Lester TIM LESTER INTERNAT'L REALTY

    4900 Arlington Rd, Palmetto, FL 34221
  • /41

    $330,000

    $35K PRICE DROP
    • 4 Beds
    • 2 Baths
    • 1,637 Sq Ft

    2793 89th Street Cir E, Palmetto, FL 34221

    Virtually Staged. This new price presents an exciting opportunity to own this beautifully maintained 4-bedroom, 2-bathroom single-story home in the sought-after Heron Bay community. If you've been waiting for the right combination of location, lifestyle, and value, this is your chance. Imagine beginning each day with peaceful pond views and ending your evenings in a backyard setting designed for

    John Evans CENTURY 21 BEGGINS ENTERPRISES

    2793 89th Street Cir E, Palmetto, FL 34221
  • /3

    $3,600,000

    • Land
    • 7.13 Acres
    • $504,909 per Acre

    3945 US Highway 41, Palmetto, FL 34221

    This 9-acre site offers a highly versatile development opportunity with a wide range of allowable uses, including retail, office, medical, hospitality, automotive, and storage. The size of the property allows for larger projects or subdivision for multiple users, providing flexibility for investors and developers to meet diverse market demand in a strong commercial corridor. The seller is

    Christopher Bowers, Jr. ESHENBAUGH LAND COMPANY

    3945 US Highway 41, Palmetto, FL 34221
  • /9

    $273,990

    New Construction
    • 3 Beds
    • 2 Baths
    • 1,272 Sq Ft

    Plan 1272 at Pepper Grove - I, Palmetto, FL 34221

    * Open kitchen overlooking great room * Sizable closet at all bedrooms * Dual-sink vanity at primary bath * Garage access from laundry room * Designer-selected lighting fixtures * Stainless steel appliance package * Open floor plan * Walk-in kitchen pantry * Dedicated laundry room * Smart thermostat * WaterSense labeled faucets * ENERGY STAR certified home * Planned cabana * Commuter-friendly

    KB Home Builder
    3459 Canberra Place Unit 36514246, Palmetto, FL 34221
  • /10

    $85,900

    • 3 Beds
    • 2 Baths
    • 960 Sq Ft

    5611 Bayshore Rd Unit 42, Palmetto, FL 34221

    Welcome home to Carlyn Estates, where peaceful surroundings and comfortable living come together. Imagine yourself in a 2024 home with 960 sq. ft., 3 bedrooms, and 2 bathrooms!! It's more than a place to live, it's a place to feel at home. Call today and come see it for yourself.

    Tori Coil Carlyn Estates

    5611 Bayshore Rd Unit 42, Palmetto, FL 34221
  • /22

    $384,999

    New Construction
    • 2 Beds
    • 2 Baths
    • 1,778 Sq Ft

    Barletta Plan at Coasterra - Esplanade 45' Lot, Palmetto, FL 34221

    The Barletta plan offers 2 bedrooms, 2 bath and 1,778 square feet of living space with a stunning tile roof. Whether you desire some quiet leisure time to yourself or want to entertain friends and house guests, Barletta fulfills your wishes beautifully. The main living area, open and airy, is the indoor hub of this spacious home. The expansive area includes an open kitchen, dining and great room,

    Taylor Morrison Builder
    7817 Coral Sea Ln Unit 36771301, Palmetto, FL 34221
  • /12

    $299,900

    $20K PRICE DROP
    • 2 Beds
    • 1.5 Baths
    • 1,000 Sq Ft

    178 Bimini Dr, Palmetto, FL 34221

    Waterfront Land owned mobile with sailboat water-no bridges to Gulf. Furnished and ready to go with new appliances, new cement steps 4 inch for easy access, 2 bedroom 2 bath separate room for washer dryer and workshop. New pavers going down to seawall which is brand new, 59 ft. New sewer line and added wall AC in front room. Large community center with fitness center, library, meeting room.

    Jack Keller JACK KELLER INC

    178 Bimini Dr, Palmetto, FL 34221
  • /27

    $322,999

    New Construction $8K PRICE DROP
    • 3 Beds
    • 2 Baths
    • 1,603 Sq Ft

    13803 Shellmore Ave, Palmetto, FL 34221

    Welcome to the Spruce at 13803 Shellmore Avenue in Cove at Coasterra! This thoughtfully designed single-story home features an open-concept kitchen, dining, and great room that flows seamlessly to a patio, perfect for everyday living and entertaining. The private primary suite includes a well-appointed bath and walk-in closet, while two secondary bedrooms share a full bath. A versatile flex room,

    Taylor Morrison Builder
    13803 Shellmore Ave, Palmetto, FL 34221
  • /46

    $350,000

    $10K PRICE DROP
    • 4 Beds
    • 2.5 Baths
    • 2,152 Sq Ft

    4521 Reisswood Loop, Palmetto, FL 34221

    Here is your chance to own your own piece of paradise. Welcome to this stunning two-story home featuring 4 bedrooms, 2.5 baths, and boasting a spacious 2152 square feet in the beautiful Willow Walk community. This Maronda built Lexington model is beautiful from the minute you enter the hose. From the moment you step inside, you'll be greeted by a beautifully designed space that exudes both

    Nicholas Valeriano CORCORAN DWELLINGS

    4521 Reisswood Loop, Palmetto, FL 34221
  • /29

    $349,000

    New Construction Open Thu 12PM - 4PM $22K PRICE DROP
    • 5 Beds
    • 2 Baths
    • 1,708 Sq Ft

    11003 44th Ave E, Palmetto, FL 34221

    The Dundee offers everything you need in a single-story layout that lives larger than its square footage. With five bedrooms, there’s flexibility for whatever life brings—guest space, a home office, or that creative studio you’ve always wanted. Two full bathrooms with sleek fixtures and easy-care quartz countertops provide both comfort and style.At the heart of the home, the open-concept kitchen

    D.R. Horton Builder
    11003 44th Ave E, Palmetto, FL 34221
  • /13

    $289,999

    New Construction $15K PRICE DROP
    • 2 Beds
    • 2 Baths
    • 1,489 Sq Ft

    9108 Wendover Dr, Palmetto, FL 34221

    Welcome to 9108 Leeward Drive, Palmetto, Florida — a new construction single-story home built by M/I Homes. This thoughtfully designed 2-bedroom, 2-bathroom home offers 1,489 square feet of comfortable living space, perfect for those seeking quality craftsmanship and a well-planned layout. Step inside to discover an open-concept living space that creates a seamless flow between the main gathering

    M/I Homes - Sarasota-Manatee Builder
    9108 Wendover Dr, Palmetto, FL 34221
  • /16

    $317,999

    New Construction $10K PRICE DROP
    • 2 Beds
    • 2 Baths
    • 1,680 Sq Ft

    9034 Leeward Dr, Palmetto, FL 34221

    Welcome to 9034 Leeward Drive, Palmetto — a new construction single-story home built by M/I Homes. This 1,680 square feet home offers 2 bedrooms and 2 bathrooms, thoughtfully designed with quality craftsmanship and attention to detail throughout. Step inside to discover an open-concept living space that creates a seamless flow between the main living areas. The well-designed floorplan maximizes

    M/I Homes - Sarasota-Manatee Builder
    9034 Leeward Dr, Palmetto, FL 34221
  • /30

    $404,999

    New Construction $7K PRICE DROP
    • 4 Beds
    • 3 Baths
    • 2,286 Sq Ft

    4327 Outhaul Run, Palmetto, FL 34221

    ****SPECIAL FINANCING AVAILABLE FOR A LIMITED TIME ONLY FROM PREFERRED LENDER. RESTRICTIONS APPLY, FOR QUALIFIED BUYERS, SUBJECT TO APPLICABLE TERMS AND CONDITIONS. SUBJECT TO CHANGE WITHOUT NOTICE****Welcome to Innovation at Southpointe!This stunning two-story home offers 2,286 square feet of thoughtfully designed living space and a spacious two-car garage. Step inside through the

    Elizabeth Stephens FLORIWEST REALTY GROUP, LLC

    4327 Outhaul Run, Palmetto, FL 34221
  • /15

    $179,900

    $10K PRICE DROP
    • 2 Beds
    • 2 Baths
    • 920 Sq Ft

    Unlisted Address

    Come and make your this house 2-bedroom, 2-bathroom house that offers a peaceful and inviting retreat within this community you can call home. Seller very motivated.

    Carmen Anchorena GULF COAST PARADISE REALTY INC

    Unlisted Address
  • /16

    $275,000

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

    1521 13th St W, Palmetto, FL 34221

    Welcome home to this charming starter home featuring bright, inviting interiors and a comfortable, functional layout. The stylish kitchen showcases a modern backsplash, making it the perfect space for everyday cooking and entertaining. The spacious primary bedroom offers generous closet space, while the additional bedroom provides flexibility for guests, a home office, or your changing lifestyle.

    Eric Meinheit MEDWAY REALTY

    1521 13th St W, Palmetto, FL 34221
  • /31

    $529,000

    $20K PRICE DROP
    • 3 Beds
    • 3 Baths
    • 2,079 Sq Ft

    1606 4th St W, Palmetto, FL 34221

    Step into the allure of classic elegance with this meticulously restored home, thoughtfully revived to showcase its original character and enduring beauty. • Bedrooms/Bathrooms: 3 beds, 3 baths• Bonus Room: Versatile space for endless possibilities Features:• No HOA or CDD (Boats, RVs, and trailers welcome)• Interior laundry room for convenience• Oversized lot providing

    Matthew Guthrie MATTHEW GUTHRIE AND ASSOCIATES REALTY LLC

    1606 4th St W, Palmetto, FL 34221
  • /19

    $574,900

    New Construction $71K PRICE DROP
    • 4 Beds
    • 3 Baths
    • 2,555 Sq Ft

    3902 109th St E, Palmetto, FL 34221

    Description coming soon... Representative Images. Features and specifications may vary by community.

    Perry Homes Builder
    3902 109th St E, Palmetto, FL 34221
  • /41

    $359,000

    New Construction $27K PRICE DROP
    • 5 Beds
    • 2 Baths
    • 1,708 Sq Ft

    12407 Hopscotch Ave E, Palmetto, FL 34221

    Receive up to $20,000 towards closing costs and special interest rates with the use of our preferred lender - Now through Sunday, August 30th.MOVE IN READY!Oakfield Lakes consists of single-family homes all designed to meet the needs of today’s modern family. At the heart of Oakfield Lakes is The Grove, our central community hub that's an inviting space for socializing, relaxing and

    Sarah Bordeaux D.R. HORTON REALTY OF SARASOTA

    12407 Hopscotch Ave E, Palmetto, FL 34221
  • /2

    $399,999

    New Construction $27K PRICE DROP
    • 5 Beds
    • 3 Baths
    • 2,350 Sq Ft

    2537 29th Ln E, Palmetto, FL 34221

    Explore this dynamic Pine home, ready for quick move-in. Included features: a covered front porch; a full bedroom and bathroom off the entry; an inviting great room; a corner kitchen boasting a center island, a large walk-in pantry, and an adjacent nook; an airy loft; a thoughtfully designed primary suite showcasing a spacious walk-in closet and a private bath with double sinks; three secondary

    Richmond American Builder
    2537 29th Ln E, Palmetto, FL 34221
  • /30

    $429,040

    New Construction
    • 5 Beds
    • 4 Baths
    • 2,776 Sq Ft

    Vail Plan at Stonegate Preserve - The Manors, Palmetto, FL 34221

    The first floor of this two-story homes features an inviting open floor plan that seamlessly connects a family room, dining room and modern kitchen, with a lanai providing enhanced outdoor living. Upstairs there are four bedrooms, including the restful owner’s suite. A versatile loft area offers shared living on the second level.

    Lennar Builder
    11306 71st Terrace E Unit 36039389, Palmetto, FL 34221
  • /5

    $415,990

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

    Corsica Plan at Coasterra - Reserve Series, Palmetto, FL 34221

    The Corsica floorplan at Coasterra offers an open-concept floorplan with 4 bedrooms, 2 bathrooms and a 2-car garage. Enjoy the chef-inspired kitchen that overlooks the great room. Entertain on the covered lanai.

    Meritage Homes Builder
    8924 Killbarry Ln Unit 37076819, Palmetto, FL 34221
  • /4

    $379,990

    New Construction
    • 3 Beds
    • 2.5 Baths
    • 2,507 Sq Ft

    Highlands Plan at Sanderling, Palmetto, FL 34221

    The Highlands floorplan mixes superb living space with open areas to delight guests and add splendid style to your days. Entering the home, the elegant foyer leads past the stairs to an open-concept dining area with the Great Room overlooking the backyard. The designer-inspired kitchen is both attractive and practical, with a flush breakfast bar and large, corner walk-in pantry. A handy powder

    Mattamy Homes Builder
    5600 16th Ave E Unit 37563477, Palmetto, FL 34221
  • /28

    $371,640

    New Construction $8K PRICE DROP
    • 5 Beds
    • 2.5 Baths
    • 2,389 Sq Ft

    Columbia Plan at Curiosity Creek - The Manors, Palmetto, FL 34221

    This two-story home divides space for optimal tranquility. The first floor showcases an open design that encompasses the dining room, kitchen and living room for simplified family living and entertaining. Nearby, the owner’s suite is separate from the upstairs bedrooms and features a private bathroom. The second level hosts four additional bedrooms and a versatile loft.

    Lennar Builder
    12515 Oak Pick Terrace Unit 40307943, Palmetto, FL 34221
  • /14

    $375,479

    New Construction
    • 3 Beds
    • 2.5 Baths
    • 2,068 Sq Ft

    5628 Skylight Way, Palmetto, FL 34221

    This two story Blue Spring floor plan features three bedrooms, two and a half baths and a loft. This home could be a perfect fit! You will be welcomed by a Craftsman exterior of shake and lap siding, stone detail and a paver driveway and entryway. Inside, the open floor plan creates a truly spacious feel on the first floor which includes a sliding glass door and three large windows across the

    Mattamy Homes Builder
    5628 Skylight Way, Palmetto, FL 34221
  • /30

    $120,000

    $25K PRICE DROP
    • 2 Beds
    • 2 Baths
    • 1,276 Sq Ft

    5619 Bayshore Rd Unit 160, Palmetto, FL 34221

    Move-in ready and thoughtfully maintained, this turnkey 2-bedroom, 2-bath mobile home is located in the well-established 55+ community of Terra Ceia Manor. The home offers a bright, functional floor plan with comfortable living spaces and the flexibility to accommodate guests. Enjoy the convenience of low-maintenance living with HOA-provided yard maintenance, giving you more time to relax and

    Ariel Sarmiento COLDWELL BANKER REALTY

    5619 Bayshore Rd Unit 160, Palmetto, FL 34221
  • /43

    $289,999

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

    1202 26th Ave W, Palmetto, FL 34221

    Beautifully upgraded 2-bedroom coastal-inspired home on an oversized fenced corner lot in fast-growing Palmetto. Major updates completed in 2020 include new A/C, Water Heater, updated ductwork completed 2025, and system improvements, plus a new roof in 2024. The bright interior offers natural light, warm LVP wood flooring, crown molding, premium window treatments, a charming beaded accent wall,

    Xiomara Landaverde Paz PREFERRED SHORE LLC

    1202 26th Ave W, Palmetto, FL 34221
  • /15

    $326,990

    New Construction
    • 3 Beds
    • 2 Baths
    • 1,328 Sq Ft

    ARCHER II Plan at Mandarin Grove, Palmetto, FL 34221

    Welcome to the Archer II, a single-story home offering the perfect blend of comfort, functionality, and modern style. Upon entry, you're welcomed into a spacious foyer leading to two well-sized bedrooms and a full bathroom, perfect for guests or a growing family. The open-concept kitchen features a large island with seating, quartz countertops, and a generous walk-in pantry—all overlooking the

    D.R. Horton Builder
    11109 37th Ave Unit 37408774, Palmetto, FL 34221
  • /40

    $36,000

    $8K PRICE DROP
    • 2 Beds
    • 2 Baths

    519 Kapok Dr, Palmetto, FL 34221

    Resort Style living in Palmetto Florida ! Beautiful 2 Bedroom, 2 Bath home located in one of Palmetto's most active and desirable resort style communities. 55+ Gated Community of Country Lakes. This well maintained home offers comfortable Florida living with an open layout, spacious bedrooms and everything you need to enjoy the sunshine year -round. Lifestyle is what truely makes this home

    Eddie DeBlois Coast to Coast Mobile Home Sales LLC

    519 Kapok Dr, Palmetto, FL 34221
  • /44

    $234,500

    • 2 Beds
    • 2 Baths
    • 1,253 Sq Ft

    3007 Live Oak Ln Unit 34, Palmetto, FL 34221

    Opportunity awaits - Priced to Sell Nicely updated, this move-in-ready 2BR/2BA villa in Bay Estates North offers exceptional value and carefree Florida living. Freshly painted throughout in 2025—from the ceilings to the trim—the interior feels bright, clean, and inviting. Recent updates include a new A/C system (2024), brand-new carpeting (2025), and a newer washer and dryer (2023), providing

    Dave Samler WAGNER REALTY

    3007 Live Oak Ln Unit 34, Palmetto, FL 34221
  • /56

    $329,900

    $9K PRICE DROP
    • 3 Beds
    • 2 Baths
    • 1,647 Sq Ft

    2515 Lantana Ln, Palmetto, FL 34221

    Discover this hidden gem nestled within the exclusive, gated enclave of Lantana Villas at Terra Ceia Bay Country Club, where resort-style living meets the tranquility of a premier golf course community. This beautifully maintained 3-bedroom, 2-bath single-family home sits directly on the golf course, offering serene, picturesque views right from your own backyard. Step inside and enjoy an open,

    Tim Lester TIM LESTER INTERNAT'L REALTY

    2515 Lantana Ln, Palmetto, FL 34221
  • /70

    $375,000

    • 2 Beds
    • 2.5 Baths
    • 1,582 Sq Ft

    5319 Taliaferro Ct, Palmetto, FL 34221

    Welcome to your own private tropical retreat, nestled on a quiet cul-de-sac street in the highly sought-after gated community of Esplanade at Artisan Lakes. Designed to embrace Florida's indoor-outdoor lifestyle, this beautifully upgraded 2-bedroom, 2.5-bath Sandpiper villa showcases an exceptional extended screened lanai that truly sets it apart. Complete with a custom outdoor kitchen featuring

    Kimberly Papalas MARCUS & COMPANY REALTY

    5319 Taliaferro Ct, Palmetto, FL 34221
  • /32

    $1,549,900

    New Construction
    • 4 Beds
    • 4.5 Baths
    • 3,016 Sq Ft

    1606 4th St E, Palmetto, FL 34221

    Pre-Construction. To be built. Build the home you’ve always envisioned in one of Florida’s premier luxury waterfront gated communities. Photos shown are of a sample home to illustrate the quality and possibilities of what could be built on this exceptional lot. This is one of the last remaining lots available in the exclusive waterfront boating community of Water's Edge in Sanctuary Cove. Pick

    Nicole Hearn FINE PROPERTIES

    1606 4th St E, Palmetto, FL 34221
  • /38

    $2,150,000

    $100K PRICE DROP
    • 3 Beds
    • 2 Baths
    • 3,306 Sq Ft

    6511 Bayshore Rd, Palmetto, FL 34221

    Enjoy panoramic sunset views of Terra Ceia Aquatic Nature Preserve from your back porch swing in this Key West contemporary custom built waterfront retreat set on 1.34 acres with over 50 mature varieties of native and exotic trees, shrubs, and plants. Hidden among the beautifully landscaped yard is an RV pad with electric and water hookups. The house offers 3306 sf with 3 bedrooms, 2 bathrooms,

    Stephen Hachey FLAT FEE MLS REALTY

    6511 Bayshore Rd, Palmetto, FL 34221
  • /40

    $629,000

    • 2 Beds
    • 2 Baths
    • 1,404 Sq Ft

    908 24th Ave W, Palmetto, FL 34221

    Virtually Staged. Florida waterfront living starts here. Nestled in the charming city of Palmetto, this beautifully updated waterfront home offers the lifestyle boaters dream about approximately 100 feet of canal frontage, an 80-foot-wide canal for easier maneuvering, and direct river and Gulf access with no bridges standing between you and a day on the water.Bring the boat, RV, trailer, and

    Brooke Mailloux THE KEYES COMPANY - SARASOTA

    908 24th Ave W, Palmetto, FL 34221
  • /16

    $293,640

    New Construction $30K PRICE DROP
    • 3 Beds
    • 2 Baths
    • 1,448 Sq Ft

    12405 Parsons Isle Terrace, Palmetto, FL 34221

    In this single-story home, the kitchen, dining room and family room cohesively flow together with a contemporary open floorplan. The adjacent owner’s suite offers a comfortable place to relax with a private bathroom and walk-in closet, while two additional bedrooms provide space for the rest of the family.

    Lennar Builder
    12405 Parsons Isle Terrace, Palmetto, FL 34221
  • /3

    $574,900

    New Construction $52K PRICE DROP
    • 4 Beds
    • 3 Baths
    • 2,262 Sq Ft

    3817 109th St E, Palmetto, FL 34221

    Under Construction. The side entryway off the front porch is lined with windows to let in ample natural light. The kitchen greets you with an island with built-in seating and a corner walk-in pantry. The dining area sets the space for the open concept family room that is embraced by a wall of windows. The backyard features an extended covered lanai. The primary bedroom is at the rear of the home

    Toby Jones PERRY HOMES

    3817 109th St E, Palmetto, FL 34221

Showing Results 281 - 320, Page 8 of 18

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