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Homes for Sale near Bay Virtual Instruction Program

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  • /38

    $345,000 Open Sun 1PM - 4PM

    • 2 Beds
    • 2 Baths
    • 1,250 Sq Ft

    100 Cherry St Unit 307, Panama City, FL 32401

    End your day with breathtaking sunsets in this beautifully remodeled 2-bedroom, 2-bath corner unit overlooking the serene St. Andrews Bay. With 1,250 square feet of living space, this waterfront condo features an extended balcony and additional windows that flood the living area with natural light and sweeping water views. Upgraded flooring, windows, sliding doors, countertops,

    Christina Daniels Keller Williams Success Realty

    100 Cherry St Unit 307, Panama City, FL 32401
  • /89

    $295,000

    • 4 Beds
    • 3 Baths
    • 1,916 Sq Ft

    2317 E 3rd St, Panama City, FL 32401

    Turnkey Airbnb! Welcome to a piece of local history with charm, character, and a touch of old Florida magic! Nestled in the heart of the Millville waterfront community, this unique property invites you to embrace a lifestyle rich in tradition and versatile in opportunity. The main home features 3 bedrooms, 2 bathroom, and approximately 1,472 square feet of living space accented by original pine

    Melana Weems Realty Check Real Estate Services

    2317 E 3rd St, Panama City, FL 32401
  • /72

    $439,000

    • 2 Beds
    • 2 Baths
    • 1,502 Sq Ft

    4050 Marriott Dr Unit 3402, Panama City, FL 32408

    *PRICED TO SELL!* ENJOY WORLD CLASS GOLF & MARINA! With $35K in recent upgrades, this IMMACULATE unit is FULLY FURNISHED and TURNKEY READY, as a 3 BEDROOM! Located in the LUXURY Grand condominium, in the gated Bay Point Community. Unit comes with a DEEDED PARKING SPACE and DEEDED, CLIMATE CONTROLLED 6'x10' STORAGE UNIT which is conveniently located ON THE SAME FLOOR as your unit! Light, neutral

    Alyssa Hakenewert World Impact Real Estate

    4050 Marriott Dr Unit 3402, Panama City, FL 32408
  • /73

    $499,999

    • 4 Beds
    • 5.5 Baths
    • 2,860 Sq Ft

    4134 Cobalt Cir Unit RO14, Panama City Beach, FL 32408

    Price Improvement !One year HOA fees PAID with acceptable offer. Luxurious Townhome with Private In-Law Suite in Gated Waterhaven CommunityExperience the perfect blend of elegance, modern comfort, and versatile living in this beautifully updated three-story townhome, located in the prestigious, gated Waterhaven community. Boasting over $50,000 in recent improvements, this

    Jennifer Valliere Corcoran Reverie SRB

    4134 Cobalt Cir Unit RO14, Panama City Beach, FL 32408
  • /8

    $310,000

    • 3 Beds
    • 2 Baths
    • 1,456 Sq Ft

    3006 Brookins Rd, Panama City, FL 32405

    Great opportunity!! Three bedrooms, two bath single family home in Panama City, Florida; 2-car garage and fullylandscaped yard with a sprinkler system. Once you enter the house you will feel at home as you walk into the greatroom. Note the upscale kitchen complete with custom cabinets, granite counter tops, island and stainless-steelappliances. The master suite features a bath with custom vanity

    Vilma Nadal Keller Williams Realty of PSL

    3006 Brookins Rd, Panama City, FL 32405
  • /63

    $1,999,999

    • 4 Beds
    • 3.5 Baths
    • 3,875 Sq Ft

    1507 Trout Ln, Panama City Beach, FL 32408

    Behind the private gates of Bay Point, 1507 Trout Lane presents a remarkable reimagining of coastal luxury—fully renovated in 2023 to create a residence that feels both tailored and timeless. Spanning 3,875 square feet with four bedrooms, three-and-a-half baths, an office and a dedicated theater room, this canal-front estate blends high design with effortless livability. The home's striking curb

    Taylor Moorman Scenic Sotheby's International Realty

    1507 Trout Ln, Panama City Beach, FL 32408
  • /32

    $249,300

    • 3 Beds
    • 2 Baths
    • 1,287 Sq Ft

    245 Central Ave, Panama City, FL 32401

    This adorable new construction is close to restaurants, shopping and public transportation. It has open floor plan with granite counter tops, updated light fixtures, Tile floors, spacious living are, large bedrooms, double vanity, and has a fenced back yard. It only minutes from Tyndall AFB

    Jennifer Bowman Beachy Beach Real Estate

    245 Central Ave, Panama City, FL 32401
  • /69

    $375,000 Open Sun 1PM - 4PM

    • 3 Beds
    • 2.5 Baths
    • 1,680 Sq Ft

    1413 Chestnut Ave, Panama City, FL 32401

    Experience the ultimate coastal lifestyle at Chestnut Ridge! Strategically positioned in the heart of historic St. Andrews, this new build offers the perfect blend of luxury and convenience. Enjoy the proximity to local attractions such as shopping, bars, farmers market, and dining, while still being just a 10-minute drive from the beach. St. Andrews marina offers a boat launch making it a quick

    Jennifer Bowman Beachy Beach Real Estate

    1413 Chestnut Ave, Panama City, FL 32401
  • /11

    $47,900

    • 3 Beds
    • 2 Baths

    1325 Buena Vista Blvd Unit Lot 63, Panama City, FL 32401

    Great 896 sq. ft., 3 bedroom, 2 bath home. Comes with appliances including a refrigerator and stove. Other features include washer and dryer, central air, new mini blinds and more. A truly gorgeous home! Call today for more information or to schedule your private tour.

    Melissa Hutcheson

    1325 Buena Vista Blvd Unit Lot 63, Panama City, FL 32401
  • /9

    $43,900

    • 3 Beds
    • 2 Baths

    1320 Buena Vista Blvd Unit Lot 59, Panama City, FL 32401

    Great 840 sq. ft., 3 bedroom, 2 bath home. Comes with appliances including a refrigerator and stove. Other features include washer and dryer, central air, wood laminate flooring and more. A truly gorgeous home! Call today for more information or to schedule your private tour.

    Melissa Hutcheson

    1320 Buena Vista Blvd Unit Lot 59, Panama City, FL 32401
  • /11

    $43,899

    • 3 Beds
    • 2 Baths

    1320 Buena Vista Blvd Unit Lot 10, Panama City, FL 32401

    Great 840 sq. ft., 3 bedroom, 2 bath home. Comes with appliances including a refrigerator and stove. Other features include washer and dryer, central air, laminate flooring and more. A truly gorgeous home! Call today for more information or to schedule your private tour.

    Melissa Hutcheson

    1320 Buena Vista Blvd Unit Lot 10, Panama City, FL 32401
  • /50

    $485,000

    • 2 Beds
    • 2 Baths
    • 1,458 Sq Ft

    4100 Marriott Dr Unit 302, Panama City, FL 32408

    Enjoy breathtaking views of Grand Lagoon and the inlet from the Gulf of Mexico in this spacious 1,458 sq ft condo. Whether you're looking for a primary residence, a vacation home, or an investment property to rent between visits, this unit offers the perfect blend of comfort and lifestyle.Relax on the balcony while watching stunning sunrises and sunsets, or observe the boats as they head out in

    Courtney Kinney Counts Real Estate Group Inc

    4100 Marriott Dr Unit 302, Panama City, FL 32408
  • /51

    $675,000

    • 3 Beds
    • 2.5 Baths
    • 2,216 Sq Ft

    3928 Bungalow Ln, Panama City Beach, FL 32408

    Discover luxury living and unmatched flexibility in this exquisite 3-bedroom, 2.5-bathroom new construction home--offered with the cleared lot next door! Located in the exclusive gated community of Sanctuary Beach and perfectly positioned on the 12th hole of the prestigious Bay Point Golf Course, this rare opportunity offers golf course views, added privacy, and endless possibilities.The

    Mia Nadeau Beachy Beach Real Estate

    3928 Bungalow Ln, Panama City Beach, FL 32408
  • /49

    $389,900

    • 3 Beds
    • 2 Baths
    • 1,856 Sq Ft

    3167 Wood Valley Rd, Panama City, FL 32405

    Seller to Contribute $5,000.00 towards Buyer's closing costs. Welcome to this spacious 3-Bedroom Home in Desirable Premier Estates. This well-kept 3-bedroom, 2-bath home in Premier Estates offers space, comfort, and unbeatable convenience. Just minutes from hospitals, shops, restaurants and top medical providers. Step into a massive living room with soaring vaulted ceilings and a striking

    Ayesha Albibi Centergate Realty LLC

    3167 Wood Valley Rd, Panama City, FL 32405
  • /40

    $345,000

    • 3 Beds
    • 2.5 Baths
    • 1,560 Sq Ft

    6440 Summer Oak Dr Unit A, Panama City, FL 32408

    Coastal Charm Meets Modern Comfort - 6440 Summer Oak Drive Welcome to your dream beachside retreat! This charming two-story home offers the perfect blend of coastal living and modern convenience, ideally situated just minutes from the shoreline. Boasting 3 bedrooms, and 2.5 bathrooms. This home is move-in ready for full-time residents, vacationers, or savvy investors.Step inside to discover an

    Lori Roland Corcoran Reverie

    6440 Summer Oak Dr Unit A, Panama City, FL 32408
  • /36

    $345,000

    • 3 Beds
    • 2 Baths
    • 1,775 Sq Ft

    106 Harrison Place, Panama City, FL 32405

    **LENDER INCENTIVES: Closing cost credit and/or rate buy-down available from preferred Lender. Contact Listing Agent for more information.** This custom brick beauty at 106 Harrison Place blends quality construction, timeless features, and a location close to everything that matters. Tucked into the heart of Panama City, this home offers character and comfort with a functional, open layout.

    Brad Amerson LLC Compass Florida, LLC

    106 Harrison Place, Panama City, FL 32405
  • /36

    $264,900

    • 3 Beds
    • 2 Baths
    • 1,292 Sq Ft

    116 N East Ave, Panama City, FL 32401

    $5,000 TOWARDS BUYER'S CLOSING COSTS!! Brand New Construction Home conveniently located right near Eastern Ship Building, Margaret K. Lewis School and a short drive to Tyndall Air Force Base. Home is just a few miles away from Super Walmart, Starbucks, Aldi, restaurants and shopping. Brand New Construction at an affordable price! Home features open floor plan, 9' ceilings, LVP flooring

    Daryle Burkey Coldwell Banker Realty

    116 N East Ave, Panama City, FL 32401
  • /106

    $1,290,000

    • 4 Beds
    • 4 Baths
    • 4,776 Sq Ft

    3603 Dragon Ridge Rd, Panama City Beach, FL 32408

    Wow - Price improvement of $100,000 on this luxury custom home!!! Nestled in a serene setting with views of a pond and golf course, this one-of-a-kind custom home featuring 4 bedrooms, 4 full baths, screened in pool, and 3 car garage offers timeless elegance and functional luxury. A large front porch and gorgeous solid walnut front door set the tone for the inviting interior, where thoughtful

    Michele Morros Keller Williams Success Realty

    3603 Dragon Ridge Rd, Panama City Beach, FL 32408
  • /33

    $299,900 Open House 9/22

    • 3 Beds
    • 2.5 Baths
    • 1,691 Sq Ft

    1202 Louisiana Ave, Panama City, FL 32401

    **Bring All Offers!****LENDER INCENTIVES: Closing cost credit and/or rate buy-down available from preferred Lender. Contact Listing Agent for more information.** Welcome to 1202 Louisiana Ave, Panama City, FL, a custom-built brick home designed with Miami-inspired storm protection and innovative functionality. This 3-bedroom, 2.5-bathroom home was built with safety and durability

    Brad Amerson LLC Compass Florida, LLC

    1202 Louisiana Ave, Panama City, FL 32401
  • /24

    $99,000

    • Land
    • 0.11 Acre
    • $900,000 per Acre

    5249 Kingston Cir, Panama City, FL 32408

    Residential lot available in the highly sought-after Martinique neighborhood. This gated community offers a range of amenities, including a pool, playground, pavilion, basketball court, and walking trails. Just beyond the gates, popular restaurants like Capt. Anderson's and The Grand Marlin are within walking distance. Lighthouse Marina and St. Andrews Park are only minutes away, providing easy

    Zack Seltzer Seltzer Real Estate, LLC

    5249 Kingston Cir, Panama City, FL 32408
  • /5

    $75,000

    • Land
    • 0.52 Acre
    • $144,231 per Acre

    2209 E 9th St, P C Beach, FL 32401

    Build your dream home, investment duplex, or charming tiny home cottage quarters with central green-scapes on this spacious 0.524-acre vacant lot at 2209 9th Street E, located in the heart of Panama City, Florida. This cleared and ready-to-build lot offers outstanding flexibility and development potential in one of the most convenient areas of central Panama City.Enjoy close proximity to Joe

    Danielle Kemp CENTURY 21 Ryan Realty Inc

    2209 E 9th St, P C Beach, FL 32401
  • /41

    $283,000

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

    809 E 10th St, Panama City, FL 32401

    WELCOME TO YOUR DREAM HOME IN THE GROWING NEW GLENWOOD COMMUNITY. THIS STUNNING NEW CONSTRUCTION OFFERS THE BEST IN MODERN LIVING AS IT IS THE NEW VERSION OF WHAT THIS AREA IS PROVIDING. 4 BEDROOMS AND 2 BEAUTIFUL BATH WITH A LARGE TILED MASTER BATHROOM AND A TILED GUEST BATHROOM. OPEN CONCEPT LIVING SPACE WITH VINYL FLOORING IN THE MAIN LIVING AREA AND ALL BEDROOMS ARE COMPOSED OF BEAUTIFUL

    Shari Steele Chesnut Realty, Inc

    809 E 10th St, Panama City, FL 32401
  • /43

    $240,000

    • 2 Beds
    • 2 Baths
    • 1,324 Sq Ft

    4036 Woodridge Rd, Panama City, FL 32405

    This townhouse was completely rebuilt in 2019 from the ground up using only the best materials available. No shortcuts were taken bringing this home up to today's specifications. Great Location in the Northshore area neighborhood close to everything exciting about Panama City and Lynn Haven. This cozy Townhouse has a open concept livingroom/dining/kitchen area with a bedroom and full bath on the

    R. Skip Koski Keller Williams Success Realty

    4036 Woodridge Rd, Panama City, FL 32405
  • /48

    $385,000

    • 2 Beds
    • 2 Baths
    • 792 Sq Ft

    216 Squid Ln, Panama City Beach, FL 32408

    Check out this adorable 2 bedroom, 2 bath Venture Out home. This beauty has a great open floor plan and perfect location within the resort. Good size kitchen, living room and bedrooms. Primary bedroom offers a tranquil escape and has a nice on suite bathroom. Seller has recently updated the home with modern siding and HVAC system. You will love the nice front porch for relaxing after a long day

    David & Kelli Sims Sims Resort Realty, Inc

    216 Squid Ln, Panama City Beach, FL 32408
  • /47

    $360,000

    • 3 Beds
    • 2 Baths
    • 1,820 Sq Ft

    1505 Vermont Ave, Lynn Haven, FL 32444

    Centrally located in the heart of Lynn Haven, this 3-bedroom, 2-bathroom brick home features an open floor plan with 10' ceilings, luxury vinyl plank flooring throughout, crown molding, recessed lighting, and a desirable split-bedroom layout.The newly remodeled eat-in kitchen offers granite countertops, a pantry, breakfast bar, and sleek black stainless steel appliances. A separate dining area

    Joshua Wade Think Real Estate

    1505 Vermont Ave, Lynn Haven, FL 32444
  • /83

    $874,900

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

    337 Watson Bayou Cir, Panama City, FL 32401

    Welcome to your dream home in the coveted Cove Pointe community - where luxury meets comfort in this beautifully crafted new construction masterpiece. Boasting over 3,200 square feet of living space, this elegant 2-story residence features 4 spacious bedrooms and 3.5 beautifully appointed baths, thoughtfully designed for modern living and effortless entertaining.Enjoy sweeping, unobstructed views

    Robbie Hughes Counts Real Estate Group

    337 Watson Bayou Cir, Panama City, FL 32401
  • /70

    $500,000

    • 4 Beds
    • 2.5 Baths
    • 2,482 Sq Ft

    3204 Airport Rd, Panama City, FL 32405

    OPEN HOUSE SUNDAY AUGUST 24TH (1-3PM)Don't miss this stunning, newly built 2,482 SQFT Captiva floor plan in the highly desirable community of SweetBay! This thoughtfully upgraded home boasts the charming Boat Builder elevation and offers 4 spacious bedrooms, 2.5 bathrooms, a dedicated office, and a detached 2-car garage.Step through the impressive glass front door and enjoy

    Vianah Seamon Anchor Realty Florida

    3204 Airport Rd, Panama City, FL 32405
  • /14

    $264,000

    • 3 Beds
    • 2 Baths
    • 1,205 Sq Ft

    206 Acme Ln, Lynn Haven, FL 32444

    ***Now Offering a $10,000 Seller's Credit*** Welcome to this inviting 3-bedroom, 2-bathroom home in the heart of Lynn Haven. This residence offers a thoughtfully designed layout with a bright, functional kitchen featuring a stylish two-tone cabinet design, nice appliances, and a clean tile backsplash. Some of the appliances have been updated to stainless steel, though not shown in photos. The

    Wheeler Sauls Collective Salty Marlin Realty

    206 Acme Ln, Lynn Haven, FL 32444
  • /5

    $780,000

    0 W 12th St Unit A11837641, Panama City, FL 32401

    Exceptional development opportunity in Panama City, Florida! This 5.11-acre MU-2 zoned property offers the potential to build up to 51 multifamily units by right, with additional density possible under Florida’s Live Local Act.The site features paved road frontage on W 12th Street, utilities nearby, and close proximity to W 15th Street, the area’s main commercial corridor with shopping,

    Damaso Medina United Realty Group Inc

    0 W 12th St Unit A11837641, Panama City, FL 32401
  • /25

    $349,600

    • 4 Beds
    • 2 Baths
    • 1,748 Sq Ft

    3334 10 Acre Rd, Panama City, FL 32405

    Built in 2018, this beautifully maintained 4 bedroom, 2 bathroom home offers just under 1800 sq ft of modern living with LVP flooring, new carpet in the primary bedroom and custom accent walls throughout. The open layout is filled with natural light, perfect for everyday comfort or entertaining.Enjoy a low maintenance yard, underground utilities and a convenient location close to schools,

    Miranda Barnes Beachy Beach Real Estate

    3334 10 Acre Rd, Panama City, FL 32405
  • /68

    $649,900

    • 4 Beds
    • 2.5 Baths
    • 2,119 Sq Ft

    1009 N Discovery Loop, Panama City, FL 32405

    Watch the stunning sunsets of SweetBay from your front porch! The Avalon Plan with a wrap around porch has amazing views of the bay. 4 bedroom, 2 1/2 baths detached 3 car garage. Primary bedroom is located on the main level. Open living, dining and kitchen makes for comfortable living. Loft and 3 bedrooms on the second level with beautiful views from the loft and front bedroom. Covered lanai

    Kelly Moody SweetBay Realty

    1009 N Discovery Loop, Panama City, FL 32405
  • /40

    $519,000

    • 3 Beds
    • 2.5 Baths
    • 2,768 Sq Ft

    1904 Connecticut Ave, Lynn Haven, FL 32444

    Stunning Fully Remodeled Brick Home in Sought-After Cul-de-Sac!Welcome to this beautifully updated 2-story home nestled in one of the most desirable neighborhoods in town! Featuring 3 spacious bedrooms and 2 luxurious bathrooms, this home is move-in ready with brand new everything — from flooring and fixtures to cabinetry and appliances.Step inside and be wowed by the grand foyer

    Khuslen Erkhbayar World Impact Real Estate

    1904 Connecticut Ave, Lynn Haven, FL 32444
  • /72

    $1,149,000

    • 4 Beds
    • 2.5 Baths
    • 3,146 Sq Ft

    122 Dragon Cir, Panama City, FL 32408

    Experience exceptional living in this custom home located in the prestigious gated community of Bay Point. Perfectly positioned on the 11th hole of the renowned Nicklaus Golf Course, this meticulously maintained residence offers a rare blend of luxury, function, and privacy. Featuring 3 bedrooms, 2.5 bathrooms, and a dedicated office or study that can serve as a fourth bedroom, this home provides

    Zack Seltzer Seltzer Real Estate, LLC

    122 Dragon Cir, Panama City, FL 32408
  • /31

    $254,997

    • 2 Beds
    • 2.5 Baths
    • 1,420 Sq Ft

    4300 Bay Point Rd Unit 437, Panama City Beach, FL 32408

    Turnkey Investment Opportunity in Bay Point - Panama City BeachWelcome to Bay Point, one of Panama City Beach's most desirable gated communities—home to world-class golf, boating, dining, and relaxation. This 2-bedroom, 2.5-bath golf villa offers 1,420 square feet of comfortable living space just steps from the Bay Point Golf Club and a short stroll to the Point South Marina. Whether

    James Griffitts EXP Realty LLC

    4300 Bay Point Rd Unit 437, Panama City Beach, FL 32408
  • /41

    $379,000

    • 2 Beds
    • 3 Baths
    • 1,485 Sq Ft

    2400 Grandiflora Blvd Unit 406, Panama City Beach, FL 32408

    Live on the bay!You've been dreaming of a waterfront lifestyle. Why not surround yourself in a peaceful, luxurious setting at Magnolia Bay Club?This lower density, pet-friendly, gated complex is tucked away from the hustle and bustle of PCB but only minutes from two grocery stores and some of the areas best attractions and restaurants.Like to kayak or paddleboard? Slip your vessel from the sandy

    Janis Boatright Coldwell Banker Realty

    2400 Grandiflora Blvd Unit 406, Panama City Beach, FL 32408
  • /30

    $799,000

    • 3 Beds
    • 3.5 Baths
    • 2,678 Sq Ft

    5303 Hopetown Ln, Panama City, FL 32408

    Absolutely gorgeous home, in the much sought after gated beach community of Martinique. This unique and stunning home is one that you must see. From the moment you step inside, you will love the bright and airy feel of this home. The kitchen features top of the line stainless steel appliances and is open to the oversized living room area. The high ceilings have the added detail of custom-made

    Don Janovyak Emerald Coast Realty Group

    5303 Hopetown Ln, Panama City, FL 32408
  • /7

    $325,000

    • Land
    • 3.30 Acres
    • $98,485 per Acre

    1137 1/2 E 15th St, Panama City, FL 32405

    3.3 acres of light industrial vacant land on E 15th St . Approximately 125ft of road frontage. Great location for New Business lots of traffic ..

    Antonio Bellamy Beachy Beach Real Estate

    1137 1/2 E 15th St, Panama City, FL 32405
  • /55

    $570,000

    • 3 Beds
    • 2.5 Baths
    • 2,022 Sq Ft

    6504 Bridge Water Way Unit 606, Panama City Beach, FL 32407

    Welcome to Hibiscus by the Bay. A luxurious gated community providing the best in condo living on beautiful St. Andrews Bay. This 6th floor end unit is spacious with over 2000 sq ft of heated and cooled living area. A Large Waterfront balcony off living room and the master bedroom provide stunning views and the best sunrise in Panama City Beach! Hibiscus by the Bay is a very well maintained

    Chuck Peek Anchor Realty Florida

    6504 Bridge Water Way Unit 606, Panama City Beach, FL 32407
  • /28

    $355,000

    • 3 Beds
    • 2 Baths
    • 1,202 Sq Ft

    223 Woodlawn Ct, Panama City Beach, FL 32407

    Discover comfort, convenience, and coastal charm in this beautifully updated 3-bedroom, 2-bath home located in the highly sought-after Woodlawn neighborhood of Panama City Beach. Ideally situated just minutes from the Navy Base, top-rated restaurants, and local shopping, this move-in-ready home offers the perfect balance of privacy and accessibility. Nestled at the end of a quiet cul-de-sac, it

    Amy Killian Beachy Beach Real Estate

    223 Woodlawn Ct, Panama City Beach, FL 32407
  • /56

    $1,199,000

    • 3 Beds
    • 3.5 Baths
    • 2,621 Sq Ft

    920 W Beach Dr, Panama City, FL 32401

    PRICE IMPROVEMENT on this stunning WATERFRONT home that offers two parcels - an exceptional opportunity to own the waterfront land on the BAY!Bring an offer on this waterfront home is positioned perfectly on picturesque Scenic Beach Drive, offering a unique blend of modern luxury and serene coastal living. This exquisite, recently renovated, one-story ranch-style home on .48 acres,

    Carly Sostheim Corcoran Reverie SRB

    920 W Beach Dr, Panama City, FL 32401

Showing Results 401 - 440, Page 11 of 18

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