1,072

Homes for Sale near Central High School

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  • /59

    $389,000

    • 3 Beds
    • 2.5 Baths
    • 2,006 Sq Ft

    905 Sea Robin Ln, Panama City Beach, FL 32408

    ⛳ Golf Lover's Dream in Bay Point - Championship Golf Course Living at Its Finest! Experience life on the course in the highly sought-after Bay Point community! Perfectly positioned in Golf Cove overlooking the 17th hole of the renowned Jack Nicklaus championship golf course, this beautifully maintained 3-bedroom, 2.5-bath townhouse offers an exceptional blend of luxury, comfort, and

    Mike Herring Keller Williams Realty SRB

    905 Sea Robin Ln, Panama City Beach, FL 32408
  • /19

    $349,900

    • 3 Beds
    • 2 Baths
    • 1,708 Sq Ft

    607 Kentucky Ave, Lynn Haven, FL 32444

    Welcome to this charming 3-bed, 2-bath ranch in the heart of Lynn Haven, FL, just blocks from the city's historic downtown. Inside you'll find spacious living with thoughtful details, including a bonus room, formal dining room, and a cozy breakfast nook nestled off the kitchen. The kitchen features granite countertops and stainless steel appliances, blending style with everyday comfort. Step

    Heather Abbott Foundation Real Estate Agency LLC

    607 Kentucky Ave, Lynn Haven, FL 32444
  • /2

    $339,990

    New Construction
    • 3 Beds
    • 2 Baths
    • 1,479 Sq Ft

    3758 Saltaire Ct, Panama City, FL 32405

    A boater friendly community, with waterfront and water view homesites, centrally located in Panama City, being within 1 mile to a wide variety of new restaurants and shops on 23rd Street and within 2 miles from the Hathaway Bridge connecting you to the sugar-white sandy beaches of Panama City Beach. Boaters and water enthusiasts will love this community where every homesite either has water

    MaryWyman Taylor DSLD Homes Florida LLC

    3758 Saltaire Ct, Panama City, FL 32405
  • /33

    $1,350,000

    • 6,200 Sq Ft

    2135 E 5th St, Panama City, FL 32401

    388' OF PRIME HWY 98 FRONTAGE • 1.26 ACRE CORNER LOT • FLEXIBLE MIXED-USE ZONING - Position your business on one of Panama City's most visible commercial corridors! Located directly on Business Hwy 98 (E 5th Street) with an AADT of 19,300 vehicles, this 1.26-acre corner property offers an impressive 388' feet of prime highway frontage, providing exceptional visibility, accessibility, and

    Katilyn Scott Compass Florida, LLC

    2135 E 5th St, Panama City, FL 32401
  • /5

    $1,650,000

    • Land
    • 9.08 Acres
    • $181,718 per Acre

    1900 Northside Dr, Panama City, FL 32405

    Great Commercial development opportunity. This premier location is zoned GC-2. The parcel is 9.08 acres with 830' of road frontage on west 19th Street and 480' on Northside Drive. The ENVIRONMENTAL RESOURCE PERMIT has been issued (FDEP No. 0278696-010-EM/03), which means the site is design ready with Stormwater Engineering and Wetland Delineation completed. The convenient location and zoning make

    Andy Gonsalves Counts Real Estate Group Inc

    1900 Northside Dr, Panama City, FL 32405
  • /41

    $247,500

    • 1 Bed
    • 1 Bath
    • 850 Sq Ft

    4726 Bay Point Rd Unit 143, Panama City Beach, FL 32408

    Spacious GROUND FLOOR 1-bedroom condo in the gated community of Bay Point! Relax on your private patio overlooking the golf course or take a short stroll across the street to the marina. This beautifully updated, like-new unit features a spacious bedroom plus a separate office, flex room, or bonus space. The full bathroom includes a walk-in shower, and the adjoining dressing area offers a vanity

    Michele Morros Keller Williams Success Realty

    4726 Bay Point Rd Unit 143, Panama City Beach, FL 32408
  • /31

    $279,000

    New Construction
    • 3 Beds
    • 2 Baths
    • 1,240 Sq Ft

    229 W 13th St, Lynn Haven, FL 32444

    New construction single family downtown Panama City home offering easy access to some of your favorite areas. Interior offers large great room open to the kitchen and dining room, master bedroom with walk-in closet, and two additional bedrooms in this split floor plan design.

    Charles Commander Jr. CENTURY 21 Commander Realty

    229 W 13th St, Lynn Haven, FL 32444
  • /39

    $245,000

    $5K PRICE DROP
    • 3 Beds
    • 2 Baths
    • 1,056 Sq Ft

    406 W 18th Plaza, Lynn Haven, FL 32444

    SELLER IS OFFERING $5,000 FOR BUYER TO USE FOR CLOSING COSTS OR UPGRADES!! Welcome to this charming concrete block home located in the heart of Lynn Haven, offering durability, convenience, and a prime location. Freshly painted and well-maintained, this property features updated windows throughout the home, enhancing energy efficiency and natural light while providing long-term value. Situated

    Vianah Seamon Anchor Realty Florida

    406 W 18th Plaza, Lynn Haven, FL 32444
  • /18

    $327,000

    • Land
    • 5,662 Sq Ft
    • $2,515,385 per Acre

    5224 Sunset Ave, Lower Grand Lagoon, FL 32408

    Ready for you to construct your beach home/homes located just a 7 minute walk or 2 minute golf cart ride to the beautiful white sand and turquoise water of the Gulf. Closest Beach Access is #4. Builders, this lot is level, deemed high and dry, and located in a desirable pocket of Panama City Beach. Enjoy NO HOA and STVR ability. Zoned R-3 allowing single family, duplex, triplex or quadraplex

    Libby Pratt Berkshire Hathaway HomeServices Beach Properties of Florida

    5224 Sunset Ave, Lower Grand Lagoon, FL 32408
  • /34

    $350,000

    $39K PRICE DROP
    • 3 Beds
    • 3 Baths
    • 1,485 Sq Ft

    2400 Grandiflora Blvd Unit E407, Panama City Beach, FL 32408

    *Seller financing option available at $389,000 sale price and 4% interest with a 4 year balloon, amortized over 30 years.* This unit comes FULLY FURNISHED with new furniture, and all the appliances are new to include washer and dryer, as well as new paint on the walls through out - making it turn key ready. Welcome to Magnolia Bay Club, where waterfront living meets quite resort-style luxury!

    The Wheeler Sauls Collective Salty Marlin Realty LLC

    2400 Grandiflora Blvd Unit E407, Panama City Beach, FL 32408
  • /2

    $735,990

    New Construction
    • 3 Beds
    • 2.5 Baths
    • 2,026 Sq Ft

    3755 Saltaire Ct, Panama City, FL 32405

    A boater friendly community, with waterfront and water view homesites, centrally located in Panama City, being within 1 mile to a wide variety of new restaurants and shops on 23rd Street and within 2 miles from the Hathaway Bridge connecting you to the sugar-white sandy beaches of Panama City Beach. Boaters and water enthusiasts will love this community where every homesite either has water

    MaryWyman Taylor DSLD Homes Florida LLC

    3755 Saltaire Ct, Panama City, FL 32405
  • /4

    $395,000

    New Construction
    • 3 Beds
    • 2.5 Baths
    • 1,700 Sq Ft

    925 Grace Ave, Panama City, FL 32401

    Welcome to 925 Grace Avenue, where modern design, quality craftsmanship, and endless possibilities come together. This stunning new construction home is currently under construction and expected to be completed in approximately 30 days. Thoughtfully designed with 3 spacious bedrooms, 2.5 bathrooms, oversized living spaces, and raised ceilings throughout, this home offers a bright, open-concept

    Justin Cater LLC EXP Realty LLC

    925 Grace Ave, Panama City, FL 32401
  • /51

    $525,000

    • 3 Beds
    • 3 Baths
    • 1,823 Sq Ft

    2400 Grandiflora Blvd Unit E601, Panama City, FL 32408

    BAYFRONT LIVING AT MAGNOLIA BAY! Welcome to your coastal oasis at Magnolia Bay! This exceptional 3-bedroom, 3-bathroom condominium nestled on the serene bayfront, offers a lifestyle of luxury and convenience. Featured are two master bedrooms and private bathrooms, with an added bonus of a generously sized bonus room, perfect for a second bedroom or your home office. This condo features stainless

    Kelly Sikes Home Town Realty Partners LLC

    2400 Grandiflora Blvd Unit E601, Panama City, FL 32408
  • /13

    $620,000

    • Land
    • 20,037 Sq Ft
    • $1,347,826 per Acre

    3030 W 27th Ct, Panama City, FL 32405

    Step onto your future home sight in the most centrally located area in Bay Count; Kings Point! This rare opportunity provides you with almost half an acre to build your waterfront oasis and look at the most incredible sunset views from your back yard! With direct gulf access, you are just minutes from Shell island and the Pass Via boat!

    Olivia Sanchez Think Real Estate

    3030 W 27th Ct, Panama City, FL 32405
  • /3

    $875,000

    • Land
    • 2.2 Acres
    • $397,727 per Acre

    2406 Saint Andrews Blvd, Panama City, FL 32405

    Amazing parcel for development of restaurant or professional office, with natural water views behind. Former improvements cleared following Hurricane Michael, with only a former garage and brick pump house remaining. Large and beautiful 2.2 +/- acre footprint on what is soon to be our next major commercial corridor.

    Brian Hinton ERA Neubauer Real Estate, Inc

    2406 Saint Andrews Blvd, Panama City, FL 32405
  • /10

    $249,000

    • 3 Beds
    • 2 Baths
    • 1,656 Sq Ft

    3600 E 8th St, Panama City, FL 32401

    This 3 bedroom, 2 bath house features new appliances, updated countertops, a large open flex space, and newer metal roof. New HVAC to be installed. This home sits on .625 acres near Rutherford High School.

    Daniel Hua Alliance Real Estate

    3600 E 8th St, Panama City, FL 32401
  • /36

    $1,300,000

    • 12 Beds
    • 12 Baths
    • 6,372 Sq Ft

    528 Kraft Ave Unit A,B,C,D,E,F., Panama City, FL 32401

    Beautiful complex of 6 apartments built in 2024. 2 bedrooms and 2 bathrooms for each apartment, Excellent acquisition, modern and in a good area, close to hospitals, restaurants, schools, shops, beaches and more.

    Mayrelis Roman Davila AMERICAN REALTY of Bay Co, Inc

    528 Kraft Ave Unit A,B,C,D,E,F., Panama City, FL 32401
  • /39

    $744,000

    • 3 Beds
    • 2 Baths
    • 2,505 Sq Ft

    4439 Vista Ln, Lynn Haven, FL 32444

    Positioned along a deep-water canal on a quiet dead-end, oak-canopied street, 4439 Vista Lane offers a relaxed waterfront setting designed for both everyday comfort and life on the water. Located in the desirable Northshore area of Lynn Haven, free from HOA restrictions, this three-bedroom, two-bath residence spans approximately 2,505 square feet and offers generous interior living space with

    Taylor Moorman Scenic Sotheby's International Realty

    4439 Vista Ln, Lynn Haven, FL 32444
  • /62

    $249,000

    • 2 Beds
    • 1 Bath
    • 649 Sq Ft

    223 Squid Ln, Panama City Beach, FL 32408

    Here's your chance to own in Venture Out! Check out this adorable 2-bedroom charmer. Good size living room and bedrooms. Seller has recently added shiplap in bedroom and bathroom giving the home that modern coastal charm! Perfect opportunity for investment or second home. Venture Out is a golf cart community that has exploded with popularity recently... With 300' on the beautiful pristine beaches

    David & Kelli Sims Sims Resort Realty, Inc

    223 Squid Ln, Panama City Beach, FL 32408
  • /51

    $639,000

    $11K PRICE DROP
    • 3 Beds
    • 3 Baths
    • 1,581 Sq Ft

    2222 W 29th Plaza, Panama City, FL 32405

    **WATERFRONT — A Rare Investor's/Fisherman's Dream on Robinson Bayou**MOTIVATED SELLER,Discover an exceptional waterfront opportunity on the peaceful, scenic Robinson Bayou—where privacy, potential, and prime location come together. This 3-bedroom, 3-bath home with a bonus room and multifunctional den is tucked high and private at the quiet end of the channel, offering **119 feet of

    Sue Ann Bontrager Counts Real Estate Group Inc

    2222 W 29th Plaza, Panama City, FL 32405
  • /21

    $197,000

    • 3 Beds
    • 1 Bath
    • 912 Sq Ft

    522 E 4th Ct, Panama City, FL 32401

    Charming Craftsman in The CoveWelcome to one of Panama City's most desirable neighborhoods. This beautiful, move-in ready Craftsman home features many original details that give it timeless character and warmth. Step outside to mature shade trees that keep the yard cool and inviting year-round. You're just a short walk to the revitalized downtown area and the Marina, where dining, shopping,

    Cliff Glansen FLATFEE.COM

    522 E 4th Ct, Panama City, FL 32401
  • /3

    $400,000

    • 780 Sq Ft

    1907 Sherman Ave, Panama City, FL 32405

    We are pleased to present an exceptional opportunity for your next business endeavor. This 0.809-acre industrial / residential zoned property is strategically located in Bay County, within the central Panama City area. Its prime position near busy Sherman Ave ensures optimal visibility and accessibility. The site features a block building, offering a versatile foundation for conversion into a

    Aaron Slate Marcus Tyson & Associates

    1907 Sherman Ave, Panama City, FL 32405
  • /27

    $449,000

    $16K PRICE DROP
    • 3 Beds
    • 2 Baths
    • 1,862 Sq Ft

    1812 Daffodil St, Panama City, FL 32405

    Welcome home to Sweetbay-Panama City's foremost master planned community! Boasting many amenities featuring multiple community pools, parks, nature trails, a beach, town center, future marina and more! This home is the highly desirable Anna Maria floor plan with elegant upgrades. Featuring 3 bedrooms, 2 baths, an attached garage and a fully fenced in large back yard this home is perfect for

    Cain Mcneil CENTURY 21 Commander Realty

    1812 Daffodil St, Panama City, FL 32405
  • /50

    $510,000

    $15K PRICE DROP
    • 3 Beds
    • 2.5 Baths
    • 2,076 Sq Ft

    2910 Kings Harbour Rd, Panama City, FL 32405

    Kings Point Harbour, one of Panama City's most convenient and established neighborhoods.This well-maintained 3-bedroom, 2-bath home offers over 2,000 square feet of heated and cooled living space, designed for both everyday comfort and entertaining. What truly sets this property apart is the additional 1,000+ square feet of covered outdoor living, creating a private backyard retreat that

    Team Don and Bubba EXP Realty LLC

    2910 Kings Harbour Rd, Panama City, FL 32405
  • /14

    $259,900

    New Construction $20K PRICE DROP
    • 3 Beds
    • 2 Baths
    • 1,300 Sq Ft

    2524 Wakulla Ave, Panama City, FL 32405

    New 3 bdrm 2 bath home with LVP and cathedral ceilings in the living area. Nice kitchen with granite breakfast bar. Lovely starter home with two bathrooms and a partially fenced yard. It is just off Hwy 231 with great access to shopping and places of interest. Just 1.2 miles to 23rd Street for all your shopping needs. Large living dining area provides space for the family to gather.

    Gary Witham Hope Realty of Bay County LLC

    2524 Wakulla Ave, Panama City, FL 32405
  • /28

    $277,000

    $53K PRICE DROP
    • 3 Beds
    • 2 Baths
    • 1,704 Sq Ft

    1116 Michigan Ave, Lynn Haven, FL 32444

    Updated 3BR/2BA Home with Detached 2-Car Garage in Lynn Haven! Welcome to 1116 Michigan Ave a beautifully updated 3 bedroom, 2 bath home in the desirable Lynn Haven area. This home features an updated kitchen, modern lighting fixtures, and stylish LVP flooring throughout, offering a fresh and move in ready feel. Enjoy a functional layout with spacious living areas, a bright kitchen with updated

    Buck Henry CENTURY 21 Commander Realty

    1116 Michigan Ave, Lynn Haven, FL 32444
  • /25

    $209,000

    $10K PRICE DROP
    • 3 Beds
    • 1 Bath
    • 1,176 Sq Ft

    1824 Grant Ave, Panama City, FL 32405

    !! PRICE LOWERED !! 1824 Grant Ave Opportunity knocks with this 3-bedroom, 1-bath brick home in a prime, convenient location. Perfect for investors or buyers ready to customize, this property is full of potential. Fresh paint throughout and real wood floors, newly sanded and ready for your custom stain. Functional layout with great upside. Large backyard and walking distance to a local

    Beverly Reyes CENTURY 21 Ryan Realty Inc

    1824 Grant Ave, Panama City, FL 32405
  • /45

    $383,000

    $22K PRICE DROP
    • 4 Beds
    • 2 Baths
    • 1,828 Sq Ft

    705 W 8th St, Lynn Haven, FL 32444

    Motivated sellers offering $5,000 toward buyer closing costsWelcome to 705 W 8th Street in the heart of Lynn Haven a beautiful 4-bedroom, 2-bath home built in 2021 that blends modern design with everyday comfort. Step inside to an impressive main living area featuring soaring 12-foot ceilings, adding a spacious and airy feel perfect for relaxing or entertaining. The home's smart layout

    Sam Piercy Think Real Estate

    705 W 8th St, Lynn Haven, FL 32444
  • /34

    $169,900

    $19K PRICE DROP
    • 1 Bed
    • 1 Bath
    • 924 Sq Ft

    105 Allen Ave Unit 56, Panama City, FL 32401

    RECENTLY REMODELED with a modern industrial design, this stylish condo is in a prime location in the heart of Panama City - The Cove. Located directly across the street from St. Andrews Bay, this first floor unit features updated finishes throughout, including exposed ductwork, concrete -style accents, stainless steel appliances, quartz countertops and custom cabinetry. There is also a small

    Tammy Milan Salty Marlin Realty LLC

    105 Allen Ave Unit 56, Panama City, FL 32401
  • /6

    $17,398

    $8K PRICE DROP
    • Land
    • 8,276 Sq Ft
    • $91,568 per Acre

    613 Powell Ave, Panama City, FL 32401

    *OWNER FINANCING AVAILABLE!* Cleared 0.19 acre vacant lot in heart of Springfield. Zoning approved for Modular, Manufactured or Site Built homes. Power, city water and sewer are available.

    Maxim Sedov Keller Williams Success Realty

    613 Powell Ave, Panama City, FL 32401
  • /5

    $479,900

    New Construction $69K PRICE DROP
    • 4 Beds
    • 3.5 Baths
    • 2,245 Sq Ft

    3535 Sanctuary Dr, Panama City, FL 32408

    Welcome to 3535 Sanctuary Drive at Sanctuary Beach in Panama City Beach, Florida. This pre-construction homesite offers the opportunity to secure new construction prior to groundbreaking. This property will be developed with the Alabaster floorplan and built to current design standards and specifications. Buyers may have the ability to personalize select finishes depending on the stage of

    D.R. Horton Builder
    3535 Sanctuary Dr, Panama City, FL 32408
  • /16

    $165,000

    • Land
    • 1.93 Acres
    • $85,492 per Acre

    259 Arlington Dr, Panama City, FL 32404

    Ready to build 7 lakefront lots.The property corner is already clean and ready to build with 400 ft on Hwy 22.The parcel take 7 lots total.The comps shows around the lake from the $300,000.00 and the $350,000.00

    Jan Carlos Cruz Liqui Realty Blu Inc

    259 Arlington Dr, Panama City, FL 32404
  • /42

    $415,000

    $34K PRICE DROP
    • 3 Beds
    • 2 Baths
    • 2,106 Sq Ft

    2806 Gordon St, Panama City, FL 32405

    Welcome to this well-kept 3 bedroom, 2 bath ranch-style home nestled in a pleasant, established neighborhood offering comfort, convenience, and a true Florida lifestyle. Step inside to a warm and inviting living area featuring a cozy fireplace, perfect for relaxing evenings. The home's layout includes a spacious master suite with a large walk-in closet, along with comfortable secondary bedrooms

    Sheran Whitaker New Town Realty

    2806 Gordon St, Panama City, FL 32405
  • /7

    $399,000

    $126K PRICE DROP
    • Land
    • 26,571 Sq Ft
    • $654,098 per Acre

    0 Diana Ct, Upper Grand Lagoon, FL 32408

    This oversized approximately 0.56-acre homesite on Diana Court is a rare opportunity in Panama City Beach. The property offers over 165 feet of frontage overlooking the Nicklaus golf course, providing expansive views and a spacious setting that is increasingly difficult to find in this area. Located just outside Bay Point, this lot allows for flexibility in design and use while still being

    Justin Cater LLC EXP Realty LLC

    0 Diana Ct, Upper Grand Lagoon, FL 32408
  • /36

    $209,900

    $19K PRICE DROP
    • 1 Bed
    • 1 Bath
    • 900 Sq Ft

    4725 Bay Point Rd Unit 260, Panama City Beach, FL 32408

    Unit 260 at 4725 Bay Point Rd is where laid-back luxury meets effortless Florida living. Tucked inside the highly sought-after Bay Point community, this charming condo is perfect for anyone craving sunshine, serenity, and a little splash of adventure. Step inside and you're greeted with a bright, airy layout that instantly feels like home. Natural light pours in, highlighting comfortable living

    Daniel Hagen LPT Realty LLC

    4725 Bay Point Rd Unit 260, Panama City Beach, FL 32408
  • /23

    $179,000

    $50K PRICE DROP
    • 4 Beds
    • 2 Baths
    • 1,202 Sq Ft

    1821 Molitor Ave, Panama City, FL 32405

    Opportunity Awaits on a Prime Corner Lot! This 4-bedroom, 2-bath home offers 1,202 square feet of living space and a desirable split floor plan that provides privacy and flexibility. Situated on a corner lot, the property features a spacious 20x10 utility shed, perfect for storage, a workshop, or hobby space. Major system updates add value and peace of mind, including a roof replaced in 2019, hot

    Danielle Britton World Impact Real Estate

    1821 Molitor Ave, Panama City, FL 32405
  • /22

    $389,500

    $6K PRICE DROP
    • 3 Beds
    • 2.5 Baths
    • 1,740 Sq Ft

    1341 Capri Dr Unit 13C, Panama City, FL 32405

    REDUCED -- REDUCED --IMMACULATE - UPDATED - THIS SPACIOUS TOWNHOME OPENS TO A LARGE GREATROOM WITH AN UNBELIEVABLE WATERFRONT VIEW. RECENTLY UPDATED KITCHEN HAS GRANITE COUNTERTOPS. THE LARGE ISLAND ALSO HAS SMALLER PORTABLE ISLAND FOR ADDED COUNTER SPACE AND STORAGE. CLOSET/LAUNDRY IN THE HALL AND A PANTRY OFFER EXTRA STORAGE( LAUNDRY HOOKUP IN GARAGE ALSO). A HALF BATH IS LOCATED ON THE MAIN

    David Malloy World Impact Real Estate

    1341 Capri Dr Unit 13C, Panama City, FL 32405
  • /36

    $174,900

    • 1 Bed
    • 1 Bath
    • 900 Sq Ft

    4725 Bay Point Rd Unit 166, Panama City Beach, FL 32408

    Welcome to Bay Point living at its finest! This beautifully maintained 1-bedroom, 1-bath vacation condominium at Bay Point Legends Condos offers the perfect blend of comfort, convenience, and coastal Florida charm. Located within the gated Bay Point community, this 900± square foot condo features an open-concept layout with abundant natural light, a spacious living area, and a well-appointed

    Carl Dismukes Marcus Tyson & Associates

    4725 Bay Point Rd Unit 166, Panama City Beach, FL 32408
  • /6

    $159,000

    • 2 Beds
    • 1 Bath
    • 600 Sq Ft

    1565 Chandlee Ave, Panama City, FL 32405

    Seller will pay up to 10,000 towards buyers closing cost or rate buy downs on This home and has a good rental history. Offers living room/dining room, kitchen 2 bedrooms and one full bath on nice size lot. Close to everything as it is centrally located in Panama City. An appraisal was just done, and list price is the appraisal price. Call for your appointment today.

    Roy Furst Central Bay Realty and Property Management LLC

    1565 Chandlee Ave, Panama City, FL 32405
  • /66

    $940,000

    • 4 Beds
    • 3 Baths
    • 3,055 Sq Ft

    3504 Dragon Ridge Rd, Panama City, FL 32408

    Nestled within the prestigious Queensberry neighborhood of Bay Point, this pristine 3,055-square-foot estate offers a masterclass in upscale coastal living. From the moment you pull into the expansive circular driveway, the home's grandeur is evident, highlighted by soaring 14-foot ceilings and high-end crown molding that flow through multiple light-filled living spaces. Recent premium upgrades

    Mary Sowell Keller Williams Success Realty

    3504 Dragon Ridge Rd, Panama City, FL 32408

Showing Results 641 - 680, Page 17 of 18

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