1,996

Panama City, FL Homes for Sale

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  • /61

    $565,000

    $25K PRICE DROP
    • 3 Beds
    • 3 Baths
    • 1,404 Sq Ft

    4715 Thomas Dr Unit 310, Panama City, FL 32408

    END UNIT!!! Experience coastal living at its finest in this stunning 3-bedroom, 3-bathroom condo on Thomas Drive.This spacious residence features a rare wrap-around balcony, offering breathtaking views from every angle. Inside, you'll find two luxurious master suites, each designed for comfort and privacy, along with an additional guest bedroom.Exclusive perks include three

    Zack Sanchez Think Real Estate

    4715 Thomas Dr Unit 310, Panama City, FL 32408
  • /80

    $549,000

    $70K PRICE DROP
    • 2 Beds
    • 2 Baths
    • 1,380 Sq Ft

    9450 S Thomas Dr Unit 210B, Panama City, FL 32408

    Boardwalk is a wonderful Gulf Front complex located on the quiet area of South Thomas Drive. This complex is very family oriented with a great kid's pool that is fenced with water features. The kids love playing in this area. This complex has a pool side restaurant and there is an ice cream shop. The 2nd floor condo gives a nice view of the beach and the pool area. This is the place to make

    Martha Gray Counts Real Estate Group Inc

    9450 S Thomas Dr Unit 210B, Panama City, FL 32408
  • /28

    $282,900

    New Construction
    • 3 Beds
    • 2 Baths
    • 1,293 Sq Ft

    7037 William Pitsenbarger Rd, Panama City, FL 32404

    Welcome to 7037 William Pitsenbarger Road, a new home at Liberty in Panama City, Florida. The Aldridge is one of our one-story floorplans featured in our Liberty community in Panama City, Florida. Featuring a front primary bedroom, 2 car garage, and open living room and kitchen, it is a cozy home designed for the first-time home buyer.As you enter this 3 bedroom, 2 bath home, you will see

    D.R. Horton Builder
    7037 William Pitsenbarger Rd, Panama City, FL 32404
  • /50

    $479,000

    $46K 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 feels

    Bubba McCants EXP Realty LLC

    2910 Kings Harbour Rd, Panama City, FL 32405
  • /9

    $80,000

    $20K PRICE DROP
    • Land
    • 0 Sq Ft

    5309 Hopetown Ln, Panama City, FL 32408

    Build your dream home at 5309 Hometown Lane in the exclusive, gated community of Martinique! Located on the quiet East End of Panama City Beach, Martinique is highly sought after for its classic ''Old Florida'' charm, peaceful nature trails, and freshwater lakes. It's a very golf-cart-friendly neighborhood packed with great amenities, including an island-style community pool, a pavilion, a

    Bubba McCants EXP Realty LLC

    5309 Hopetown Ln, Panama City, FL 32408
  • /29

    $167,500

    $18K PRICE DROP
    • 3 Beds
    • 2 Baths
    • 1,296 Sq Ft

    1532 Nassau St, Panama City, FL 32409

    Fully updated 3-bedroom, 2-bath home in Southport offering modern finishes and move-in ready convenience. Enjoy an open-concept layout with new flooring, fresh paint, and abundant natural light throughout. The kitchen features updated cabinetry, stylish backsplash, and ample counter space, flowing seamlessly into the main living area, perfect for entertaining. Spacious bedrooms and refreshed

    Peyton Saluto EXP Realty LLC

    1532 Nassau St, Panama City, FL 32409
  • /34

    $229,000

    New Construction $20K PRICE DROP
    • 3 Beds
    • 2 Baths
    • 1,183 Sq Ft

    521 Kraft Ave, Panama City, FL 32401

    MOTIVATED SELLER -- BRING ALL OFFERS! This is the one everyone's been waiting for 521 Kraft Ave delivers the perfect combination of modern design, flexibility, and investment potential in a brand-new 2026-built home right in the heart of Panama City. Inside, you'll find a bright, open layout with durable Luxury Vinyl Plank flooring throughout completely carpet-free for easy maintenance and

    Ramone Silvera Salty Marlin Realty LLC

    521 Kraft Ave, Panama City, FL 32401
  • /25

    $388,696

    New Construction Open House 10/04 $2K PRICE DROP
    • 4 Beds
    • 3 Baths
    • 1,866 Sq Ft

    4579 Roundwood Way, Panama City, FL 32404

    Welcome to The Kimbrell II, a gorgeous open-concept home thoughtfully designed for elegant modern living. This beautiful plan features a classic brick exterior and an inviting covered porch. Inside, the open layout seamlessly connects the family room, kitchen, and dining area, creating the perfect space for entertaining guests. The private primary suite boasts a luxurious bath, while the

    Lori Logue VCFL Realty LLC

    4579 Roundwood Way, Panama City, FL 32404
  • /31

    $264,900

    New Construction $29K PRICE DROP
    • 3 Beds
    • 2 Baths
    • 1,427 Sq Ft

    234 Sandy Creek Rd, Panama City, FL 32404

    The Celeste floor plan is a 3-bedroom, 2 bathroom, 1,427 square feet open concept home. As you enter, you will notice the living room as the focal point of the home as it opens to the kitchen, hallway, and primary bedroom.The main areas are made with beautiful EVP flooring and carpet in the bedrooms. The kitchen has granite countertops and shiny stainless-steel appliances including a

    Mark Miles DR Horton Realty of Emerald Coast, LLC

    234 Sandy Creek Rd, Panama City, FL 32404
  • /54

    $549,900

    $100K PRICE DROP
    • 5 Beds
    • 3 Baths
    • 2,509 Sq Ft

    3914 Ural St, Panama City, FL 32408

    Back on the market at no fault of sellers...Welcome to your perfect beach getaway! Conveniently located between the lagoon and the beach. This spacious FULLY FURNISHED 5 bedroom/3 bathroom home offers 2 houses in 1!! The main house (upstairs) is 4 bedroom/2 bath with a full downstairs appt with separate entrance offering 1 bedroom/1 bath. Live in one and rent out the other or rent both. This home

    Christina Daniels Keller Williams Success Realty

    3914 Ural St, Panama City, FL 32408
  • /14

    $140,000

    • 3 Beds
    • 2 Baths
    • 1,216 Sq Ft

    7317 Gilbert Rd, Panama City, FL 32404

    GREAT OPPORTUNITY to own your own home in a quiet rural setting, yet it is just a short drive to the City! This home with its split-floor plan has had many updates within the last few years that include vinyl plank flooring, stove, dishwasher and a/c unit. The home features a large wall of bookcases that separates the kitchen and living room. A new well and septicsystem was installed in 2024, and

    Diane Mckay Anchor Realty Florida

    7317 Gilbert Rd, Panama City, FL 32404
  • /11

    $291,990

    New Construction
    • 4 Beds
    • 2 Baths
    • 1,805 Sq Ft

    5141 Harvey St, Panama City, FL 32404

    4 Bedroom, 2 Bath New Construction HomeIntroducing the Grayton, an expansive split floorplan from our Value collection. This new home features 4 bedrooms and 2 baths, offering ample space for the entire family.As you enter through the front door, you’ll be greeted by an open living area, encompassing the great room and dining room. This open concept design creates a seamless flow and a

    Holiday Builders Builder
    5141 Harvey St, Panama City, FL 32404
  • /13

    $54,000

    • Land
    • 2.49 Acres
    • $21,687 per Acre

    304 Chestnut Way, Panama City, FL 32404

    Plenty of room to breathe! This property gives you the space to slow down, spread out, and make something your own. Whether you're looking to build, place a mobile home, start a small homestead, or just secure a little more land, this one gives you options. Quiet setting, usable space, and still close enough to town when you need it. Bring your plans and make your slice of land happen.

    Benjamin Brady CENTURY 21 Commander Realty

    304 Chestnut Way, Panama City, FL 32404
  • /2

    $550,000

    • Land
    • 23,958 Sq Ft
    • $1,000,000 per Acre

    3701 W Highway 98, Panama City, FL 32402

    OWNER Financing on this parcel with 30% down with a term based on term of 10 years at 6.5% with a balloon in 3 years. Property ZONED C-2 General Commercial Premier location on the 98 corridor with a strong traffic count both North and South as well as East and West. It is the first red light after descending from the Hathaway Bridge. Allowable uses on the property include business professional,

    Andy Gonsalves Counts Real Estate Group Inc

    3701 W Highway 98, Panama City, FL 32402
  • /30

    $273,700

    New Construction
    • 3 Beds
    • 2 Baths
    • 1,317 Sq Ft

    717 Fox Den Ln, Panama City, FL 32404

    ***UNDER CONSTRUCTION*** SELECTIONS AND COLORS WILL VARY!!! This Brand-new construction 1,317 square foot home features a cozy floor plan, knock out ceilings in the family room and primary bedroom. The kitchen features stainless-steel appliances, granite countertops and a breakfast bar. This model features coretec pro plus flooring in all formal and wet areas. Primary bathroom features a double

    REGAN Crockett Adams Homes Realty, Inc.

    717 Fox Den Ln, Panama City, FL 32404
  • /8

    $618,000

    • Land
    • 103 Acres
    • $6,000 per Acre

    Parcel 3 Allanton Rd, Panama City, FL 32404

    This exceptional waterfront property on East Bay offers approximately 103 acres, subdivided from a total parcel of 307 acres. The seller is providing an opportunity for you to acquire a substantial piece of land where you can construct your dream home with deep water access on East Bay, situated across from Tyndall and adjacent to the intercoastal waterway. This expansive home site allows for

    Dennis Dunnigan Coastal Choice Realty LLC

    Parcel 3 Allanton Rd, Panama City, FL 32404
  • /2

    Price To Be Determined

    New Construction
    • 3 Beds
    • 2.5 Baths
    • 2,033 Sq Ft

    Plan 2033 at Fox Glenn, Panama City, FL 32404

    The 2033, two-story plan features 3 bedrooms and 2 and a half baths. The 2033 is perfect for those who prefer separation between the living spaces and bedrooms. The 2033 offers walk-in closets in every bedroom, a breakfast-bar kitchen, and multi-functional loft space.

    Adams Homes Builder
    760 N Fox Ave Unit 37016639, Panama City, FL 32404
  • /9

    $225,000

    • Land
    • 21,780 Sq Ft
    • $450,000 per Acre

    3502 E 5th St, Panama City, FL 32401

    Great opportunity to acquire a 1.18-acre vacant lot on Plantation Circle, Panama City, FL 32404. "Zoning: RES" This generous parcel offers ample space for a custom spot, placing a mobile home, or developing a private retreat. Located in a quiet and accessible area, the property provides flexibility for a variety of projects and long-term investment potential.Note: buyers I emphasize the

    Samih Sadiq KELLY RIGHT REAL ESTATE

    3502 E 5th St, Panama City, FL 32401
  • /2

    $65,000

    $5K PRICE DROP
    • Land
    • 8,712 Sq Ft
    • $325,000 per Acre

    2604 W 20th St, Panama City, FL 32405

    Build your Custom Dream Home on a prime, level lot in a desirable neighborhood, just a minutes from the Beach, top rated schools and the vibrant Saint Adrews. Don't miss this opportunity to secure your future homesite.

    Fatima Jorgensen CostaBella Real Estate, LLC

    2604 W 20th St, Panama City, FL 32405
  • /34

    $379,000

    $31K PRICE DROP
    • 2 Beds
    • 2 Baths
    • 1,262 Sq Ft

    9860 S Thomas Dr Unit 827, Panama City, FL 32408

    Welcome to Unit 827 at Laketown Wharf Resort! A beautiful 2-bedroom/2-bath condominium with a terrific bunk area offering 1,262 square feet of living space in the heart of Panama City Beach. Perfectly positioned just steps from the world-famous white sandy beaches and emerald waters on the Gulf of America. This spacious residence is ideal as a vacation getaway, investment property, or full-time

    Daniel Hagen LPT Realty LLC

    9860 S Thomas Dr Unit 827, Panama City, FL 32408
  • /35

    $305,000

    $35K PRICE DROP
    • 1 Bed
    • 1 Bath
    • 618 Sq Ft

    9850 S Thomas Dr Unit 912W, Panama City, FL 32408

    Oh my: Just got word from Management company of the rental income for the year. Very impressive! Escape to a world of paradise in this exquisite Gulf-front condo that transcends the ordinary and encapsulates the essence of coastal living. Immerse yourself in the serene beauty of breathtaking sunsets and pristine beaches, all within the embrace of your own private oasis. This renovated condo

    Mike Glass LPT Realty LLC

    9850 S Thomas Dr Unit 912W, Panama City, FL 32408
  • /52

    $249,900

    • 3 Beds
    • 2 Baths
    • 1,218 Sq Ft

    1011 W 11th Ct, Panama City, FL 32401

    Fully furnished short term rental ready for your portfolio! Do not miss this rare opportunity! Completely remodeled in 2023 with NO HOA, this move-in ready 3-bedroom, 2-bathroom townhome is strategically positioned in a quiet pocket right between Historic St. Andrews and revitalized Downtown Panama City! Located just a short distance from the Bay, local schools, and the public library, this

    Johnathan Ramsey Dalton Wade Inc

    1011 W 11th Ct, Panama City, FL 32401
  • /40

    $1,195,000

    $105K PRICE DROP
    • 3 Beds
    • 3 Baths
    • 1,616 Sq Ft

    7835 Surf Dr, Panama City, FL 32408

    Your beach day begins the moment you open the door. This rare Gulf-front townhome combines direct beach access with no HOA fees, lower property taxes, and two reserved parking spaces at the front door--advantages that are exceptionally difficult to find along the coast. Furnished and offering 3 bedrooms and 3 bathrooms, it provides the privacy of a low-density beachfront retreat with the

    Helen Ferrell CENTURY 21 Ryan Realty Inc

    7835 Surf Dr, Panama City, FL 32408
  • /65

    $260,000

    $15K PRICE DROP
    • 1 Bed
    • 2 Baths
    • 1,047 Sq Ft

    9902 S Thomas Dr Unit 936, Panama City, FL 32408

    This beautiful and spacious one bedroom unit at Laketown Wharf comes with bunk beds and two bathrooms. The living area and balcony overlook the lake and fountain which is peaceful. The main attractions to Laketown Wharf are the resort style amenities, onsite restaurants, a short walk across the street to the beach and convenient walkable shopping/attractions/dining. The units were built in 2007

    Christine Lance Keller Williams Success Realty

    9902 S Thomas Dr Unit 936, Panama City, FL 32408
  • /13

    $1,500,000

    • Land
    • 3.4 Acres
    • $441,176 per Acre

    2822 Martin Luther King Jr Blvd Ave, Panama City, FL 32405

    Prime 3.4-acre development site boasting 220 feet of frontage on Highway 77, a major four-lane highway carrying approximately 30,000 vehicles per day (per FDOT traffic count data). This shovel-ready parcel offers rare dual access: a median-cut entry directly off Highway 77 for maximum visibility and customer convenience, plus secondary rear access from N MacArthur Ave for deliveries, overflow

    Zack Sanchez Think Real Estate

    2822 Martin Luther King Jr Blvd Ave, Panama City, FL 32405
  • /73

    $269,900

    New Construction $30K PRICE DROP
    • 3 Beds
    • 2 Baths
    • 1,580 Sq Ft

    7075 Merlyn Dethlefsen Rd, Panama City, FL 32404

    Welcome to the Lismore, a new home floor plan located at Liberty in Panama City, Florida. The Lismore is thoughtfully designed 3-bedroom, 2 bathroom, one-story home with 1.580 square feet of modern living. On the outside of your home, you will see durable vinyl siding, a spacious two-car garage with an opener and a fully sodded yard to the property lines. This home comes equipped with dimensional

    Mark Miles DR Horton Realty of Emerald Coast, LLC

    7075 Merlyn Dethlefsen Rd, Panama City, FL 32404
  • /10

    $65,000

    $5K PRICE DROP
    • Land
    • 7,840 Sq Ft
    • $361,111 per Acre

    1918 Coach Scovel Way, Panama City, FL 32405

    Calling all builders and investors! This prime piece of land is ideally situated near shopping, a city park, restaurants, colleges, schools, and just minutes from ''The World's Most Beautiful Beaches'' that make this area famous. Located in the coveted St. Andrews neighborhood, and conveniently close to FSU and Gulf Coast State College, this cleared lot offers limitless potential. Whether you're

    Jesse Cole Counts Real Estate Group

    1918 Coach Scovel Way, Panama City, FL 32405
  • /58

    $735,000

    $50K PRICE DROP
    • 3 Beds
    • 2.5 Baths
    • 2,567 Sq Ft

    116 Queens Cir, Panama City, FL 32405

    Beautiful canal-front home offering over 2,500 heated square feet with an open, split-bedroom floor plan designed for comfortable everyday living and entertaining. The spacious family room features a vaulted ceiling and wood-burning fireplace, creating a warm and inviting gathering space. The fully equipped kitchen includes a pantry, abundant cabinetry, and opens seamlessly to the main living

    Steve Butler ERA Neubauer Real Estate, Inc

    116 Queens Cir, Panama City, FL 32405
  • /30

    $450,000

    $15K PRICE DROP
    • 2 Beds
    • 2 Baths
    • 1,180 Sq Ft

    8200 Surf Dr Unit B303, Panama City, FL 32408

    Rare opportunity to own a beachfront condo at Gulfgate! These highly desirable 2-bedroom, 2-bath units with Gulf front master doesn't come on the market often, making this an exceptional opportunity for both investors and beach lovers alike. Located in one of Panama City Beach's sought-after low-density, mid-rise Gulf-front communities, this stunning condo offers breathtaking Gulf views, direct

    Sandi Smith Dalton Wade Inc

    8200 Surf Dr Unit B303, Panama City, FL 32408
  • /28

    $225,000

    $44K PRICE DROP
    • 1 Bed
    • 1 Bath
    • 360 Sq Ft

    8000 Surf Dr Unit 19, Panama City, FL 32408

    Discover your own slice of paradise at 8000 Surf Drive, Unit 19, perfectly positioned in the heart of Panama City Beach. This beautifully maintained coastal condo offers the ideal combination of comfort, convenience, and beachside living. Just steps from the sugar-white sands and emerald waters of the Gulf of America, this property is perfect as a primary residence, vacation getaway, or

    Daniel Hagen LPT Realty LLC

    8000 Surf Dr Unit 19, Panama City, FL 32408
  • /6

    $459,900

    New Construction
    • 3 Beds
    • 2.5 Baths
    • 1,765 Sq Ft

    3551 Cottage Cove Ln, Panama City, FL 32408

    Welcome to 3551 Cottage Cove Lane at Sanctuary Beach in Panama City Beach, Florida. This pre-construction homesite offers the opportunity to secure new construction prior to groundbreaking. This property backs up to a wooded preserve and will be developed with the Norfolk floorplan and built to current design standards and specifications. Buyers may have the ability to personalize select finishes

    Pamela Hawkins DR Horton Realty of Emerald Coast, LLC

    3551 Cottage Cove Ln, Panama City, FL 32408
  • /42

    $775,000

    $24K PRICE DROP
    • 4 Beds
    • 3 Baths
    • 3,002 Sq Ft

    13119 Airway St, Panama City, FL 32404

    SANDY CREEK AIRPARK NEIGHBORHOOD! Experience the rare appeal of airpark living at 13119 Airway St in Panama City, a 2024-built single-family home designed for luxury buyers who want modern craftsmanship, exceptional space, and everyday ease. This 3,000 sq ft. home is designed for effortless everyday comfort and polished entertainment. The hurricane doors and windows deliver the confidence of

    Bruce Mackay ERA Neubauer Real Estate Inc

    13119 Airway St, Panama City, FL 32404
  • /51

    $783,000

    New Construction
    • 4 Beds
    • 3.5 Baths
    • 3,307 Sq Ft

    Hutchinson Plan at SweetBay - Phase III, Panama City, FL 32405

    The Hutchinson is an impressive two-story home that blends thoughtful design, flexibility, and luxury living. With 4 bedrooms and 3.5+ baths, including a main-level primary suite, this plan offers a private retreat while keeping the heart of the home open and inviting.The primary suite features a tile-to-ceiling shower, dual vanities, optional separate tub, and a spacious walk-in closet. The open

    Harris Doyle Homes Builder
    3204 Heartleak Ave Unit 37004024, Panama City, FL 32405
  • /34

    $125,000

    • 2 Beds
    • 1.5 Baths
    • 812 Sq Ft

    1730 Mallard Dr Unit F, Panama City, FL 32404

    TURNKEY INVESTMENT OPPORTUNITY | NO HOA Welcome to this beautifully renovated townhouse offering modern updates, low-maintenance living, and excellent investment potential. Ideal for first-time homebuyers, long-term rentals, or short-term rental opportunities, this move-in-ready property features 2 bedrooms and 1.5 bathrooms with thoughtful upgrades throughout. The interior showcases fresh paint,

    Jeremy Mertens Watersound Real Estate

    1730 Mallard Dr Unit F, Panama City, FL 32404
  • /22

    $375,500

    New Construction $54K PRICE DROP
    • 3 Beds
    • 4 Baths
    • 1,733 Sq Ft

    2445 Mercedes Ave, Panama City, FL 32405

    REDUCED! REDUCED!! SELLER WILL PAY $5,000 OF BUYERS CLOSING COST.!''MOTI VATED SELLER''No HOA;s and no flood. InsuranceNew Construction'' You will love this beautiful home made for entertaining and comfort. Main living area open and airy, with family room , kitchen , dining all in one. Home also has 3 bedrooms/4 full baths, each bedroom has it's own bath.Nice laundry area,

    Marcia Preston CENTURY 21 Commander Realty

    2445 Mercedes Ave, Panama City, FL 32405
  • /28

    $379,000

    $20K PRICE DROP
    • 1 Bed
    • 2 Baths
    • 750 Sq Ft

    4715 Thomas Dr Unit 302, Panama City, FL 32408

    Enjoy spectacular panoramic gulf views from this stunning Commodore condo from the living room, kitchen and bedroom. This rental powerhouse is fully furnished with an expansive and beautifully decorated balcony outside that is accessible from the living room and primary bedroom through new sliding doors with high impact glass that are quiet, low maintenance, and energy efficient. This gated

    Andrea Green Sims Resort Realty, Inc

    4715 Thomas Dr Unit 302, Panama City, FL 32408
  • /31

    $284,900

    $5K PRICE DROP
    • 3 Beds
    • 2 Baths
    • 1,198 Sq Ft

    12200 Highway 77, Panama City, FL 32409

    Situated on a generous 0.80-acre lot, this beautiful home offers the perfect blend of peaceful country living with the convenience of being just minutes from shopping, dining, schools, and everyday amenities. Located in one of Bay County's growing areas, this property provides both space and an ideal location.An extra-wide foyer welcomes you into the home and opens to a spacious family room

    Raul Hernandez Legacy Premier Agency

    12200 Highway 77, Panama City, FL 32409
  • /22

    $614,500

    • 4 Beds
    • 3 Baths
    • 3,590 Sq Ft

    105 Grand Lagoon Shores Dr Unit 6, Panama City, FL 32408

    # 105 Grand Lagoon Shores**PROVEN VACATION RENTAL • $114,560 ON THE BOOKS FOR 2026 • PRIVATE HEATED POOL • 3,015 SQ FT • 4 BEDROOMS • 3 BATHROOMS • NO HOA**Welcome to **105 Grand Lagoon Shores**, a spacious and income-producing Panama City Beach pool home offering **4 bedrooms, 3 full bathrooms, and 3,015 square feet of living space**. With a **private heated pool, 2-car garage,

    Stephen Hachey Lowest Fee Realty LLC

    105 Grand Lagoon Shores Dr Unit 6, Panama City, FL 32408
  • /14

    $449,900

    New Construction $25K PRICE INCREASE
    • 5 Beds
    • 3.5 Baths
    • 2,995 Sq Ft

    7232 Shady Oak Ct, Panama City, FL 32408

    Welcome to the Embry, a new home floor plan at Hodges Bayou in Panama City, Florida. The Embry plan is a 5-bedroom, 3.5-bathroom two-story home with over 2800 Sq. Ft. and a two-car garage.As you step inside, you're greeted by a versatile flex space right off the foyer--perfect for a bright home office, a formal dining room, or a cozy reading nook. The open-concept design flows seamlessly

    Mark Miles DR Horton Realty of Emerald Coast, LLC

    7232 Shady Oak Ct, Panama City, FL 32408

Showing Results 441 - 480, Page 12 of 18

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