Homes for Sale near Adventist Christian Academy

• 

  

  

  /31

  $375,000

  • 2 Beds
  • 2 Baths
  • 1,340 Sq Ft

  2421 Rushes Ave, Panama City, FL 32405

  Stunning Water-view Cottage in SweetBay!Discover effortless coastal living at 2421 Rushes Ave, a beautifully designed low-maintenance cottage in the coveted waterfront community of SweetBay. This Harris Doyle ''Mangrove'' model blends open-concept living with high-end finishes, creating the perfect setting for modern comfort and entertaining.Step onto the welcoming front porch

  David Thomasee Think Real Estate

  2421 Rushes Ave, Panama City, FL 32405
• 

  

  

  /70

  $535,000

  • 7 Beds
  • 5 Baths
  • 3,679 Sq Ft

  1016 W 12th St, Panama City, FL 32401

  Prime Panama City Investment - Dual-Home Gem Near Beach Drive! Unlock a rare opportunity with this investor's paradise in vibrant Panama City, FL! This dual-home property offers incredible income potential and lifestyle perks, just a short stroll from Beach Drive's stunning waterfront and the lively St. Andrews area. Whether you're an investor, a young family, or seeking a beachside retreat, this

  Joshua Wade Think Real Estate

  1016 W 12th St, Panama City, FL 32401
• 

  

  

  /23

  $274,990

  • 4 Beds
  • 2.5 Baths
  • 1,782 Sq Ft

  2609 Willow Brook Dr, Panama City, FL 32404

  ***BEAUTIFUL 4 BEDROOM, 2.5 BATHROOM, 2 CAR GARAGE 2 STORY HOME(WITH A COVERED BALCONY) IN THE VERY DESIRABLE AVONDALE ESTATES!!!*** This beautiful home is priced to sell...so call me before it's gone! This move in ready home was completely updated in 2020, and the current owners have maintained it beautifully. Solid wood cabinets, stainless steel appliances, quartz countertops and vinyl plank

  Mario Gobel RE/MAX SELECT Partners

  2609 Willow Brook Dr, Panama City, FL 32404
• 

  

  

  /25

  $259,999

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

  2423 Minnesota Ave, Lynn Haven, FL 32444

  Beautifully updated 3-bedroom, 2-bath home in the heart of Lynn Haven with all new paint, LVP flooring, and water heater. This home was thoughtfully renovated in 2020 to include new bathroom vanities and tile, new light fixtures throughout, and an all-new kitchen complete with soft-close shaker cabinets, white quartz countertops, and stainless-steel appliances. New roof in 2019. Enjoy the low

  Megan Powell Panhandle Realty LLC

  2423 Minnesota Ave, Lynn Haven, FL 32444
• 

  

  

  /56

  $309,999 Open Sat 12PM - 3PM

  • 3 Beds
  • 2 Baths
  • 1,500 Sq Ft

  3009 Sarasota Ave, Panama City, FL 32405

  Wonderful and affordable 3BR/2BA home in a convenient Panama City location close to shopping, Tyndall AFB, and top schools. Bright and open floor plan with vaulted ceiling, natural light, and spacious kitchen with pantry. Large great room opens to a screened porch overlooking the fully fenced backyard and deck. Above ground pool and a private well for watering. Master suite features walk-in

  Christopher Moseley Hilltop Legacy Realty

  3009 Sarasota Ave, Panama City, FL 32405
• 

  

  /25

  $184,500

  • 2 Beds
  • 2 Baths
  • 992 Sq Ft

  6912 Sunrise Dr, Panama City, FL 32407

  Experience the ultimate in coastal living with this budget friendly beach retreat located in Bayside Park. This well maintained, charming two-bedroom, two bath budget friendly home in Panama City Beach is being sold fully furnished and move-in ready for under $185,000. The home features tasteful coastal decor and it's perfect as a vacation retreat, primary residence, or as a rental property for

  Laina Dillman Lifes A Beach Real Estate, LLC

  6912 Sunrise Dr, Panama City, FL 32407
• 

  

  /41

  $499,999

  • 3 Beds
  • 2 Baths
  • 2,007 Sq Ft

  1600 Inverness Rd, Lynn Haven, FL 32444

  Beautiful Pool Home on a Large Corner Lot in Highly Desirable Mowat Highlands. You will fall in love with this 3 bedroom, 2 bath split floor plan home with over 2,000 square feet of living space and no HOA! As you enter, you're welcomed by a spacious living and dining area with attractive wood flooring, and wood burning fireplace. Just off the dining room, the kitchen offers a cozy eat-in space,

  Cindy Hamre Coastal Choice Realty LLC

  1600 Inverness Rd, Lynn Haven, FL 32444
• 

  

  /13

  $75,000

  • 2 Beds
  • 1 Bath
  • 946 Sq Ft

  2810 E 2nd Ct, Panama City, FL 32401

  This property offers a rare opportunity in an ideal location, perfect for renovation enthusiasts or investors. The house itself shows signs of wear, with aging fixtures, dated interiors, and the need for structural updates. However, its solid foundation, spacious layout, and large windows provide a strong starting point for transformation. Nestled in a sought-after neighborhood, it boasts easy

  Ezechiel Jean EXP Realty LLC

  2810 E 2nd Ct, Panama City, FL 32401
• 

  

  /59

  $720,000

  • 4 Beds
  • 3.5 Baths
  • 2,517 Sq Ft

  3533 Sanctuary Dr, Panama City, FL 32408

  Welcome to 3533 Sanctuary Drive, this like-new stunning coastal craftsman home is nestled within the serene gated community of Sanctuary Beach in Panama City Beach, FL. This remarkable property, completed at the end of 2023, offers a harmonious blend of modern luxury and timeless elegance, making it a must-see for discerning buyers seeking their own piece of paradise.Spanning 2,517

  Kristin Curole Corcoran Reverie

  3533 Sanctuary Dr, Panama City, FL 32408
• 

  

  /6

  $16,000

  • Land
  • 0.34 Acre
  • $47,059 per Acre

  0000 E 2nd Ct, Panama City, FL 32401

  VACANT LOT ready for development in the City of Springfield. Ready for your next home or investment! Build your dream home on this beautiful lot! Close to schools, hospitals, shopping and downtown Panama City!

  Brenda Vines Coldwell Banker Realty

  0000 E 2nd Ct, Panama City, FL 32401
• 

  

  /32

  $170,000

  • 1 Bed
  • 1 Bath
  • 750 Sq Ft

  2100 W Beach Dr Unit E201, Panama City, FL 32401

  Priced to sell and move-in ready! Furnished 1bd/1ba condo at the desirable bay-front Landmark Condominiums. This would make a great second home or long-term investment property. The amenities are top notch with two pools, a private beach directly on the bay, fishing dock, grills, pavilion, community room, and fitness center. The HOA does an exceptional job maintaining the grounds and the exterior

  Courtney Pantalena Coldwell Banker Realty

  2100 W Beach Dr Unit E201, Panama City, FL 32401
• 

  

  /64

  $659,000

  • 4 Beds
  • 2.5 Baths
  • 2,713 Sq Ft

  134 Marlin Cir, Panama City, FL 32408

  Located in the highly sought-after gated community of Bay Point on the east end of PCB, this beautifully maintained and updated 4-bedroom, 2.5-bathroom home is full of character and charm. Beautifully maintained and thoughtfully updated, it is truly a special property.As you arrive, you're welcomed by an oversized paver driveway, meticulously landscaped grounds, and stunning accent

  Zack Seltzer Seltzer Real Estate, LLC

  134 Marlin Cir, Panama City, FL 32408
• 

  

  /36

  $282,000

  • 3 Beds
  • 2 Baths
  • 1,528 Sq Ft

  510 Venetian Way, Panama City, FL 32405

  This solidly constructed home has been remodeled from the studs in: including roof with dimensional shingles, insulation, sheetrock, new flooring throughout, kitchen and baths. It offers 3 bedrooms and 2 full bath (master bath has walk in jetted tub), kitchen, living room with fireplace, and den/bonus room. It has a large utility room with washer and dryer hook-ups in place. Property's special

  Lorene Martin Bay Homes Real Estate, Inc

  510 Venetian Way, Panama City, FL 32405
• 

  

  /44

  $515,000

  • 4 Beds
  • 2 Baths
  • 2,662 Sq Ft

  4035 Kristanna Dr, Panama City, FL 32405

  Discover the charm and craftsmanship in this stunning home, where luxury meets affordability! Nestled in a vibrant neighborhood with easy access to schools, highways, beaches, and shopping, this residence welcomes you with a cozy covered front porch. Step inside to find soaring high ceilings, gleaming hardwood and tile floors, and a striking double fireplace that elegantly separates the living

  Dennis Nelson Keller Williams Success Realty

  4035 Kristanna Dr, Panama City, FL 32405
• 

  

  /29

  $135,000

  • 3 Beds
  • 1 Bath
  • 1,308 Sq Ft

  708 Cactus Ave, Panama City, FL 32401

  Spacious 3-Bedroom Home with Large Yard & Great ValueThis charming 3-bedroom home offers over 1,300 sq. ft. of living space, making it an excellent opportunity for both homeowners and investors. Inside, you'll find a large kitchen perfect for meal prep and gatherings, a family room for relaxing evenings, and a spacious living room ideal for entertaining.Step outside to enjoy the

  Jordan Jarrett Keller Williams Success Realty

  708 Cactus Ave, Panama City, FL 32401
• 

  

  /27

  $99,900

  • 2 Beds
  • 2 Baths
  • 936 Sq Ft

  1004 Massalina Dr, Panama City, FL 32401

  Motivated seller says move this property! This cute home in the middle of Panama City, has MORE than what first meets your eye! Close to schools, shopping, and hospitals! FLorida Cottage has newer floors, roof, HVAC, and electric is copper! Kitchen, master bedroom and second bedroom are all really good sized! Solar panels MUST BE TRANSFERED, they are 105$ a month, normal electric runs $35 a month

  Debbie Holzer Hitchcock Real Estate LLC

  1004 Massalina Dr, Panama City, FL 32401
• 

  

  /34

  $295,000

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

  1914 Coach Scovel Way, Panama City, FL 32405

  Discover this stunning, move-in ready 4-bedroom, 3-bathroom home in the highly sought-after St. Andrews area, conveniently located near FSU and Gulf Coast State College. Perfectly blending comfort and style, this home is a must-see!Step into an open and inviting floor plan featuring a spacious kitchen and dining area with gorgeous quartz countertops and major appliances included. The open

  Robbie Hughes Counts Real Estate Group

  1914 Coach Scovel Way, Panama City, FL 32405
• 

  

  /21

  $330,000

  • 3 Beds
  • 1.5 Baths
  • 1,600 Sq Ft

  1030 Jenks Ave, Panama City, FL 32401

  1030 Jenks Ave is currently utilized as a 3 bedroom, 1.5 bathroom residential home but it is also zoned for Commercial use. Zoned Mix Use-3, the property allows for many different commercial or residential purposes. Single family residence, childcare or family daycare center, grocery or convenience retail store, dance or music studio, professional office space, or food establishments to name just

  Elaine Fenster Coldwell Banker Realty

  1030 Jenks Ave, Panama City, FL 32401
• 

  

  /33

  $230,000

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

  2015 Pritchard St, Panama City, FL 32405

  A charming, move-in ready home that's perfect as a starter or a blank canvas for your own personal updates. Centrally located in Panama City, you'll be just 4 minutes to Gulf Coast State College and FSU's campus, and close to shopping, dining, and entertainment.This 3-bedroom, 2-bathroom home features a spacious kitchen, a formal dining room with built-in china cabinets, and a cozy bonus

  Heather Neubauer ERA Neubauer Real Estate Inc

  2015 Pritchard St, Panama City, FL 32405
• 

  

  /29

  $265,000

  • 3 Beds
  • 2 Baths
  • 1,270 Sq Ft

  900 Wilson Ave, Panama City, FL 32401

  Age, Sq ft, Lot & Room sizes are approximate. New Construction with 3 bedrooms and 2 full baths. 9' ceilings throughout. Walk-in closet in Master bedroom and another in the Master Bath. Large laundry room, Pantry in Kitchen along with stainless steel appliances including refrigerator. Home is finished and ready to occupy. This home also will fit in the Re-house Bay program with the City of

  Janice Hamm Coldwell Banker Realty

  900 Wilson Ave, Panama City, FL 32401
• 

  

  /57

  $549,900

  • 4 Beds
  • 2 Baths
  • 2,424 Sq Ft

  2602 Magnolia Point Cir, Panama City, FL 32408

  Welcome to single-story perfection at 2602 Magnolia Point Circle! This beautifully maintained 4-bedroom, 2-bath pool home captivates with its grand entry, high ceilings, and stunning cherry wood floors. In the heart of the home is the open living area, complete with an updated gas fireplace and elegant crown moulding. The home's intelligent design features a desirable split-bedroom layout,

  Courtney Pantalena Coldwell Banker Realty

  2602 Magnolia Point Cir, Panama City, FL 32408
• 

  

  /8

  $239,500

  • 2 Beds
  • 2 Baths
  • 1,141 Sq Ft

  3105 Downey Branch Ln, Lynn Haven, FL 32444

  Welcome to the best location in The Hammocks (on the townhome side). This move in ready townhome is in pristine condition. Well cared for and ready for a new owner. End unit with no neighbors or traffic behind you. Walkable neighborhood, on a cul-de-sac with friendly neighbors. Come and see this soon before it is gone.

  Jolene Bryant Coastal Palms Real Estate

  3105 Downey Branch Ln, Lynn Haven, FL 32444
• 

  

  /49

  $315,000

  • 3 Beds
  • 2 Baths
  • 1,355 Sq Ft

  3613 T St, Panama City, FL 32404

  Whether you're looking to expand your short-term rental portfolio or claim a cozy retreat near the coast, this versatile property delivers. Generating over $34,000 in rental income this year, it stands as a proven performer with room to grow.Step inside to find a welcoming interior with 4 sleeping spaces and 2 full bathrooms, designed for comfort and flexibility. The updated kitchen

  Marc Miller REMAX By The Sea

  3613 T St, Panama City, FL 32404
• 

  

  /24

  $189,900

  • 3 Beds
  • 2 Baths
  • 1,198 Sq Ft

  2538 Johnson Dr, Lynn Haven, FL 32444

  (Now Vacant!) GREAT INVESTMENT OPPORTUNITY! This duplex is centrally located in one of the city's most popular areas. Situated within walking distance to stores and restaurants, this three-bedroom, two bath duplex features a living room, eat-in dining area, and a Master bedroom with a glass-sliding door to the patio. The split bedroom design has two good-sized bedrooms and a full bath

  Lisa Felix Full Sail Realty of NWFL

  2538 Johnson Dr, Lynn Haven, FL 32444
• 

  

  /31

  $355,900

  • 2 Beds
  • 1.5 Baths
  • 1,350 Sq Ft

  1404 Chestnut Ave, Panama City, FL 32401

  Absolutely charming 2-bedroom, 1.5-bath home on a spacious lot in the heart of St. Andrews! Just a short walk to the Bay, St. Andrews Marina, and all the great local restaurants and shops—this location can't be beat.The large living room features beautiful hardwood floors, 10-foot ceilings, a cozy wood-burning fireplace, and arched doorways that open into an enclosed Florida room with

  Stephanie Ingram Counts Real Estate Group Inc

  1404 Chestnut Ave, Panama City, FL 32401
• 

  

  /21

  $269,000

  • 3 Beds
  • 2 Baths
  • 1,247 Sq Ft

  3919 Peters Dr, Panama City, FL 32405

  This Panama City gem in a great neighborhood, has just been beautifully REMODELED! Spacious 3-bedroom, 2-bath with open concept living space, separate pantry/mud room and a GARAGE! Beautiful NEW cabinets and quartz countertops, LVP flooring, all new fixtures, and even a FIREPLACE W/ GAS LOG INSERT! Enjoy a large backyard with patio through the NEW FRENCH DOORS. And as a special bonus, SOLAR

  Jen LaChance SimpliHOM

  3919 Peters Dr, Panama City, FL 32405
• 

  

  /38

  $219,990

  • 3 Beds
  • 2 Baths
  • 1,783 Sq Ft

  808 E 3rd St, Panama City, FL 32401

  Charming Panama City Home in a Prime Location! Discover the a blend of space, comfort, and location with this inviting 3-bedroom, 2-bathroom home nestled in one of Panama City's most desirable neighborhoods. Offering 1,783 sqft of well-designed living space on a generous 13,503 sqft lot, this home is great for anyone seeking room to grow, relax, and enjoy the Florida lifestyle. Step inside to

  Steven Koleno Beycome of Florida LLC

  808 E 3rd St, Panama City, FL 32401
• 

  

  /19

  $198,000

  • 1 Bed
  • 1 Bath
  • 750 Sq Ft

  2100 W Beach Dr Unit H103, Panama City, FL 32401

  If you have been searching for a waterfront home at an affordable price, look no further than Landmark Condominiums at Saint Andrew's Bay! This pristine, beautiful condominium property offers a private beach, two community pools, a workout facility, outdoor grills and sitting areas, and even an owner's storage closet conveniently located outside the unit for extra storage space. The open floor

  Nick Brown Coldwell Banker Niceville

  2100 W Beach Dr Unit H103, Panama City, FL 32401
• 

  

  /27

  $319,900

  • 3 Beds
  • 2 Baths
  • 1,608 Sq Ft

  4125 Magnolia Beach Rd, Panama City, FL 32408

  Rare opportunity in prestigious Panama City Beach Neighborhood! Ready to move in spacious 3 bed room unit with Owner Financing in very quite location with upgrades- fitness ( gaming) room in garage plus an additional storage. Very big back yard with access to community pool, huge balcony overlooking back yard. Pets are welcome. Very low monthly association fee: covers water ,ground-keeping

  Vladimir Tamarovych Prok Invest LLC

  4125 Magnolia Beach Rd, Panama City, FL 32408
• 

  

  /42

  $1,600,000

  • 3 Beds
  • 3 Baths
  • 2,118 Sq Ft

  1033 Bay Cir, Panama City Beach, FL 32407

  Welcome to The Bayfront Escape, a brand-new three-bedroom, three-bathroom waterfront home offering modern luxury, breathtaking views, and exceptional investment potential. Perfectly positioned between Panama City and Panama City Beach, this no-HOA property provides the best of both worlds—peaceful waterfront living with quick access to top dining, shopping, and entertainment.This newly

  Sully Tariq Foundation Real Estate Agency LLC

  1033 Bay Cir, Panama City Beach, FL 32407
• 

  

  /33

  $1,000,000

  • 3 Beds
  • 2.5 Baths
  • 1,876 Sq Ft

  1035 Bay Cir, Panama City Beach, FL 32407

  Looking for the perfect waterfront property with no HOA and direct access to the lagoon? This is it! Located in the heart of Panama City Beach, this unique home offers incredible potential and endless possibilities.Currently rented as two separate units, this property can easily be transformed to fit your vision. Open up the layout to create a spacious, open-concept design or keep it

  Sully Tariq Foundation Real Estate Agency LLC

  1035 Bay Cir, Panama City Beach, FL 32407
• 

  

  /75

  $1,250,000

  • 4 Beds
  • 4 Baths
  • 3,979 Sq Ft

  113 Florida Ave, Lynn Haven, FL 32444

  North Bay Waterfront Luxury in Lynn Haven.Welcome to 113 Florida Ave, Lynn Haven, FL — a stunning 3,979 sq ft waterfront retreat on North Bay offering elegant living, breathtaking views, and an unbeatable location in one of the area's most desirable neighborhoods. This beautifully designed 4-bedroom, 4-bathroom modern-style home features 10- and 12-foot ceilings, ceramic tile and

  Daryle Burkey Coldwell Banker Realty

  113 Florida Ave, Lynn Haven, FL 32444
• 

  

  /30

  $172,000

  • 3 Beds
  • 2 Baths
  • 1,140 Sq Ft

  2007 Shepherd St, Panama City, FL 32405

  Location is everything, and this home has it in spades! The 3 bedroom/2 bathroom home offers incredible convenience just minutes from the area's best attractions. Enjoy a quick 10-minute drive to the World's Most Beautiful Beaches, St. Andrews State Park and just a short 5 minute drive to historic St. Andrews and Gulf Coast State College! Recent updates feature a new roof (2018), fresh interior

  Irina Mathews Robert Slack, LLC

  2007 Shepherd St, Panama City, FL 32405
• 

  

  /23

  $175,000

  • 2 Beds
  • 1.5 Baths
  • 972 Sq Ft

  3117 Orlando Rd, Panama City, FL 32405

  Welcome home to this very cute and cozy 2-bedroom, 1.5-bath end-unit townhome, perfectly blending comfort, style, and functionality. Recently remodeled, this property is move-in ready and loaded with upgrades. Inside, you'll love the fresh granite countertops throughout the kitchen and bathrooms, paired with durable and stylish vinyl flooring. New windows throughout, a new AC unit installed

  Angela Feria Foundation Real Estate Agency LLC

  3117 Orlando Rd, Panama City, FL 32405
• 

  

  /25

  $234,500

  • 3 Beds
  • 2 Baths
  • 1,217 Sq Ft

  2825 E Orlando Rd, Panama City, FL 32405

  BACK ON THE MARKET, NO FAULT OF THE SELLERS.This tastefully renovated 3-bedroom, 2-bathroom home offers modern elegance with every detail carefully considered. Move in ready and centrally located on a spacious corner lot, this home features a cozy fireplace, brand-new flooring throughout, fresh paint, stylish new ceiling fans, and a durable metal roof for long-lasting peace of mind. Enjoy the

  Dawn Roberts Think Real Estate

  2825 E Orlando Rd, Panama City, FL 32405
• 

  

  /60

  $615,000

  • 3 Beds
  • 2.5 Baths
  • 2,399 Sq Ft

  1616 Plover St, Panama City, FL 32405

  OPEN HOUSE SEPTEMBER 21st FROM 11-2! Don't miss out on truly one of the best Lots in SweetBay! This corner lot home is designed for outdoor living with a wrap-around front porch facing a beautiful, shaded green space and just seconds away from 1 of 2 pools in SweetBay. It features 3 bedrooms, 2.5 baths, a loft perfect for an office or flex space, and an open living space perfect for family and

  Alec Childres SweetBay Realty

  1616 Plover St, Panama City, FL 32405
• 

  

  /38

  $310,000

  • 2 Beds
  • 2.5 Baths
  • 1,646 Sq Ft

  1325 Fairland Ave, Panama City, FL 32401

  TWO MASTER SUITES!Welcome to 1325 Fairland Ave—an inviting brick home near historic St. Andrews & the bay! This single-story property offers solid-surface flooring throughout, a spacious 2-car garage, and a large backyard, able to be accessed from both sides of the house, with plenty of room for boat, RV, or trailer storage. A flex room/office provides an opportunity to add an additional

  Clay Owens Compass Florida, LLC

  1325 Fairland Ave, Panama City, FL 32401
• 

  

  /79

  $349,000

  • 3 Beds
  • 2 Baths
  • 1,526 Sq Ft

  4043 Woodville Ln, Panama City, FL 32405

  Move in ready! Be prepared to be impressed! This 3 bedroom, 2 Bath home is at the end of a cul-de-sac and has a huge yard with a storage shed in the back. The Privacy fence (side and rear yards), insures a secure area and on this street there is no through traffic to deal with. All tile flooring throughout, is easy to care for. There is an office space which is handy. The large living room with a

  R. Skip Koski Keller Williams Success Realty

  4043 Woodville Ln, Panama City, FL 32405
• 

  

  /13

  $2,000,000

  • Land
  • 0.46 Acre
  • $4,347,826 per Acre

  0 Panama City Beach Pkwy Unit 778573, Panama City Beach, FL

  Exceptional opportunity to own a high-visibility corner lots at Hwy 98 and Malaga Place on the highly desirable west end of Panama City Beach. Zoned Plaza Commercial, this property is ideal for retail, office, restaurant, or mixed-use development. Located in the #2 fastest-growing metro in the United States, the site offers strong traffic exposure on busy Panama City Beach Parkway and is

  Kelly Killick EXP Realty LLC

  0 Panama City Beach Pkwy Unit 778573, Panama City Beach, FL
• 

  

  /13

  $199,000

  • Land
  • 0.67 Acre
  • $297,015 per Acre

  Unlisted Address

  Commercial vacant lot at 697 W. 13th Street! Fully cleared and ready to build, this centrally located property sits just off 15th Street, offering excellent exposure and easy access to schools, shopping, and thriving local businesses. Zoned General Commercial-1. Buyer to verify all available utiltiie and measurements.

  Zack Seltzer Seltzer Real Estate, LLC

  Unlisted Address

Showing Results 81 - 120, Page 3 of 18