1,242

Homes for Sale near Rising Leaders Academy

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  • /24

    $575,000

    • 4 Beds
    • 4 Baths
    • 2,196 Sq Ft

    2432 Valley Oak Ct Unit A&B, Panama City, FL 32408

    Located in Panama City Beach, 2432 Valley Oak Court is a well-maintained duplex built in 2019, offering a great investment opportunity. Each unit features two bedrooms and two bathrooms, with separate power and water meters, allowing for fully independent living. Unit A is currently leased long-term at $1,950 per month, while Unit B is vacant and ready for occupancy. This property offers

    Angela Feria Foundation Real Estate Agency LLC

    2432 Valley Oak Ct Unit A&B, Panama City, FL 32408
  • /12

    $239,000

    • Land
    • 0.30 Acre
    • $796,667 per Acre

    2213 U S 231, Panama City, FL 32405

    Prime Commercial Lot for Sale in Sunny Panama City, Florida!Located right on Highway 231 in the heart of Panama City, this small commercial lot offers unparalleled exposure and high traffic flow, making it an exceptional opportunity for any business. With its prime location, your business will be visible to thousands of drivers every day, ensuring maximum visibility and foot traffic. Whether

    Kim Johnson Think Real Estate

    2213 U S 231, Panama City, FL 32405
  • /49

    $399,999 Open Sun 1PM - 4PM

    • 4 Beds
    • 2.5 Baths
    • 2,433 Sq Ft

    3726 Tiki Dr, Panama City Beach, FL 32408

    OPEN HOUSE - Friday 18th 12 to 3pm - and Sunday 20th from 1 to 4PM. Coastal Living at Its Finest - Spacious 4-Bedroom Home in Hidden Lagoon!Welcome to 3726 Tiki Drive, a stunning, oversized home in the highly sought-after Hidden Lagoon community on the east end of Panama City Beach. With over 2,400 square feet of living space, this home is designed for comfort, style, and the ultimate Florida

    Team Don and Bubba EXP Realty LLC

    3726 Tiki Dr, Panama City Beach, FL 32408
  • /18

    $189,000

    • 3 Beds
    • 2 Baths
    • 1,032 Sq Ft

    2014 E 8th Ct, Panama City, FL 32401

    If you're looking for a home with character, this 3-bedroom, 2-bathroom gem might just be the one! One of the best features of this home is the large fenced backyard--there's plenty of room to enjoy the outdoors, start a garden, or even store a boat with ease. Whether you're a first-time buyer, looking for a solid investment, or just love the charm of an older home, this one has plenty of

    D Friday PA Friday Realty One Group Emerald Coast

    2014 E 8th Ct, Panama City, FL 32401
  • /37

    $350,000

    • 3 Beds
    • 2 Baths
    • 1,556 Sq Ft

    120 Oak Ridge Place, Panama City, FL 32408

    Charming 3-Bedroom Home with Modern Upgrades and Spacious Backyard. Located in Upper Grand Lagoon close to the white sandy beaches of Panama City Beach, shopping and restaurants. Beautiful updates. Luxury vinyl plank flooring. Updated kitchen and updates to the bathrooms. All kitchen appliances stay. Great room style home with fireplace and natural light, Open-concept kitchen with stainless steel

    Debbie Ehlers Berkshire Hathaway HomeServices Beach Properties of Florida

    120 Oak Ridge Place, Panama City, FL 32408
  • /43

    $375,000

    • 3 Beds
    • 2 Baths
    • 1,260 Sq Ft

    5812 Beach Dr Unit B, Panama City, FL 32408

    Blissful Beach Bungalow offers a delightful coastal farmhouse-inspired retreat just a 3-minute walk from the beach in Panama City Beach. This two-story home accommodates families and furry friends, with a spacious backyard for pets to roam. Conveniently located near attractions like St. Andrew's State Park, Rick Seltzer Park, and Treasure Island Marina, guests can easily enjoy various activities

    Tyler Southerland Coastal Heritage Real Estate LLC

    5812 Beach Dr Unit B, Panama City, FL 32408
  • /11

    $240,000

    • 4 Beds
    • 2 Baths
    • 1,650 Sq Ft

    816 N E, Panama City, FL 32401

    Located on a main avenue, this spacious 4-bedroom home offers comfort and convenience. Just minutes from the city center, you'll have quick access to all the amenities you need, including shops, restaurants, and services. Perfect for a family seeking space and proximity to urban life. Don't miss the opportunity to see it!''

    Ana Maria Aldana EXP Realty LLC

    816 N E, Panama City, FL 32401
  • /39

    $163,500

    • 1 Bed
    • 1 Bath
    • 404 Sq Ft

    1219 Thomas Dr Unit 266, Panama City Beach, FL 32408

    Discover your coastal oasis nestled within the family-oriented community of Emerald Pointe Resort. This beautifully maintained, cozy beach property is being sold turn-key furnished and move-in ready for you and your family to begin making memories! The property features a large screened in porch, one bedroom, one bathroom, an attached carport, attached storage building with stackable

    Chris Pelly Counts Real Estate Group Inc

    1219 Thomas Dr Unit 266, Panama City Beach, FL 32408
  • /7

    $650,000

    • Land
    • 0.80 Acre
    • $812,500 per Acre

    2616 Mound Ave, Panama City, FL 32405

    This exceptional 0.80-acre parcel of vacant land consists of a deep water wells and offers an incredible opportunity for investors and developers in one of Panama City's most desirable neighborhoods. Situated directly across the street from the beautiful west bay, this undeveloped property is surrounded by upscale homes, adding immediate value and desirability to any development.This lot is ideal

    Joy Key Anchor Realty Florida

    2616 Mound Ave, Panama City, FL 32405
  • /42

    $499,000

    • 3 Beds
    • 2 Baths
    • 1,754 Sq Ft

    1220 Tuscany Rd, Panama City, FL 32405

    WATER FRONT HOME w/100 ft seawall and 40 ft PRIVATE DOCK !!! Welcome to 1220 Tuscany Road!! Experience the perfect blend of Southern charm and Coastal Flair in this home. private access takes you to the deep protected canal that takes you directly to the North Bay and Gulf of America. The HVAC was replaced in 2015, the roof was replaced in 2019, and water heater in 2024, new hurricane rated

    Scott Suber Beach Haven Realty

    1220 Tuscany Rd, Panama City, FL 32405
  • /17

    $329,000

    • 2 Beds
    • 2 Baths
    • 792 Sq Ft

    300 Tarpon Dr, Panama City Beach, FL 32413

    This home is located in the beautiful Venture Out Resort. An opportunity to own in one of the best resorts in the area. Amenities include: Boat ramp/pier, playground, lagoon pool, beach side pool and clubhouse, tennis, shuffleboard, pickleball, putt putt golf course, golf cart community. New AC replaced at the end of last summer! Home is available for Short Term Rentals and is currently on

    Randall Fisher Coastal Sun Realty LLC

    300 Tarpon Dr, Panama City Beach, FL 32413
  • /18

    $650,000

    • Land
    • 0.46 Acre
    • $1,413,043 per Acre

    3030 W 27th Ct, Panama City, FL 32405

    Kings Point on Pretty Bayou next level .458 acre waterfront parcel with access to North Bay and the pass via Pretty Bayou. Rare opportunity for water front centrally located with city water and sewer. Views of Pretty Bayou and North Bay are fantastic.

    Charles Commander CENTURY 21 Commander Realty

    3030 W 27th Ct, Panama City, FL 32405
  • /23

    $415,000

    • 2 Beds
    • 2 Baths
    • 1,384 Sq Ft

    6422 W Highway 98 Unit 404, Panama City Beach, FL 32407

    Welcome Home. Marina Landing is a premier bay-front residence on Panama City Beach. No short-term rentals. Your neighbors are your neighbors. Live at the beach without having to fight the traffic. Amenities include a bay-front pool with hot tub, gym and beautiful common areas. This is a paddle-board, kayaking and fisherman's paradise. Boat slips and boat rentals are available next door at

    Mike Carroll Southern Values

    6422 W Highway 98 Unit 404, Panama City Beach, FL 32407
  • /51

    $375,000

    • 3 Beds
    • 2 Baths
    • 2,012 Sq Ft

    306 Carolyn Ave, Panama City Beach, FL 32407

    Charming Ranch-Style Home on a Corner Lot in Woodlawn Neighborhood!Welcome to this beautifully maintained 3-bedroom, 2-bathroom home with a bonus office space in the highly sought-after Woodlawn neighborhood of Panama City Beach! Situated on a spacious corner lot, this home offers both comfort and convenience, with no HOA restrictions.Step inside to find an inviting open kitchen featuring a

    Nikki Segraves ERA American Real Estate

    306 Carolyn Ave, Panama City Beach, FL 32407
  • /42

    $465,000

    • 3 Beds
    • 2 Baths
    • 1,700 Sq Ft

    2009 Calamint St, Panama City, FL 32405

    MOTIVATED SELLER! *SELLER OFFERING $10,000 TOWARDS CLOSING COSTS OR RATE BUY DOWN WITH ACCEPTABLE OFFER*** Welcome to 2009 Calamint St, Panama City--a Charming upgraded Perdido model in the sought-after SweetBay Community! This 3-bedroom, 2-bathroom, 1,703 sq. ft. home boasts a spacious split-bedroom floor plan, offering privacy and comfort. Step onto your inviting front porch and enjoy the

    Olivia Sanchez Think Real Estate

    2009 Calamint St, Panama City, FL 32405
  • /45

    $493,000

    • 2 Beds
    • 2 Baths
    • 1,074 Sq Ft

    6505 Thomas 505 Dr Unit 505A, Panama City Beach, FL 32408

    TRUE TURNKEY short-term rental condo, beachfront, fully renovated and ready for an investor to take over. RENTAL MACHINE with NET rentals of $73K in 2024 and pacing above that for 2025. We post NET rentals, vs. industry standards to post gross, which include fees and taxes. When including those, gross rentals for this unit were +90K in 2024. Can provide receipts. The unit is almost fully booked

    Jonathan Minerick HomeCoin.com

    6505 Thomas 505 Dr Unit 505A, Panama City Beach, FL 32408
  • /38

    $360,000

    • 2,760 Sq Ft

    2209 U S 231, Panama City, FL 32405

    Zoned C-3A(BC) and located along Hwy 231 just minutes from 23rd street makes this property the perfect buy. All of the junk and cars currently stored will be removed by the sellers. The main building includes 1500 Sqft of storage space with large rolling doors on each side to allow large items to be stored along with a 480sqft room with a garage door for easy access. To the left side of the

    Corey Joseph Corcoran Reverie

    2209 U S 231, Panama City, FL 32405
  • /44

    $525,000

    • 3 Beds
    • 2.5 Baths
    • 2,389 Sq Ft

    129 Palm Crossing Blvd, Panama City, FL 32408

    **Motivated Seller! **Welcome to 129 Palm Crossing Blvd. This home is located in the beautiful subdivision of Palm Bay. (A five-minute drive to the beach or ride your golf cart.) The home offers 3 bedrooms, 2 1/2 bathrooms, open floor plan, lanai with pool and located in a quiet cul-de-sac. It also has high ceilings throughout, lots of crown molding, transoms above doors, a covered pool and

    Jeff Minor Realty One of Northwest Florida LLC

    129 Palm Crossing Blvd, Panama City, FL 32408
  • /62

    $299,000

    • 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

    David & Kelli Sims Sims Resort Realty, Inc

    223 Squid Ln, Panama City Beach, FL 32408
  • /36

    $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 as-is for a

    Sully Tariq Foundation Real Estate Agency LLC

    1035 Bay Cir, Panama City Beach, FL 32407
  • /38

    $349,000

    • 2 Beds
    • 1.5 Baths
    • 1,075 Sq Ft

    6123 Big Daddy Dr, Panama City Beach, FL 32407

    Welcome to your waterfront dream home with that million-dollar view that you've been looking for! Located on the east end of PCB, set back in a quiet serene setting! This beauty offers the dream of waterfront ownership with a 7,000 lb. boat lift and boat house and your own dock. This 2-bedroom, 1.5 bath home will come fully furnished and ready for you. This waterfront location is just minutes to

    David & Kelli Sims Sims Resort Realty, Inc

    6123 Big Daddy Dr, Panama City Beach, FL 32407
  • /54

    $610,000

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

    6422 W Highway 98 Unit 1006, Panama City Beach, FL 32407

    Seller ''Bring all offers, we will negotiate'' Welcome to your dream waterfront escape! This stunning 3-bedroom, 3-bathroom condo offers luxurious coastal living with panoramic views of St. Andrews Bay. Step out onto the massive private balcony--the perfect place to entertain guests, or watch the sunset over the water.Inside, you'll find an open-concept layout with plenty of natural light,

    joseph pineda Herd Real Estate

    6422 W Highway 98 Unit 1006, Panama City Beach, FL 32407
  • /9

    $250,000

    • Land
    • 0.36 Acre
    • $694,444 per Acre

    1112 Cove Pointe Dr, Panama City, FL 32401

    * 80 FEET OF WATERFRONT *Build your WATERFRONT dream home on Watson Bayou offering unobstructed access to Shell Island, the Gulf, and St Andrews Bay. Located on a quiet cul-d-sac street, this waterfront lot is convenient to hospitals, downtown restaurants & shops, schools, and Tyndall Airforce Base. The buildable portion of this lot is located in flood zone X.. DEP has already

    James Griffitts EXP Realty LLC

    1112 Cove Pointe Dr, Panama City, FL 32401
  • /24

    $389,000

    • 2 Beds
    • 2 Baths
    • 800 Sq Ft

    321 Lagoon Ln, Panama City, FL 32408

    Check out this adorable 2 bedroom, 2 bath home. Come enjoy paradise in this fabulous home that has a great open floor plan and nice size rooms. Located on a nice quiet street within the resort, this home has everything and is being sold mostly furnished. This great home also has a nice porch with plenty of room for grilling and relaxing after a long day at the beach. Come make this your 2nd

    David & Kelli Sims Sims Resort Realty, Inc

    321 Lagoon Ln, Panama City, FL 32408
  • /46

    $499,000

    • 2 Beds
    • 2 Baths
    • 1,052 Sq Ft

    480 N Marlin Dr, Panama City Beach, FL 32408

    Rare find! State Park paradise views in your backyard. Check out this 2 bedroom, 2 bath beauty! Home has as a great open floor plan and large rooms. Location within in the resort is highly desirable and this home has common ground in the backyard giving you that extra outdoor space you are looking for. Porch could be enclosed and turned into a potential great 3rd bedroom. Perfect for second

    David & Kelli Sims Sims Resort Realty, Inc

    480 N Marlin Dr, Panama City Beach, FL 32408
  • /56

    $950,000

    • 4 Beds
    • 5 Baths
    • 2,396 Sq Ft

    5312 Thomas Dr, Panama City, FL 32408

    Welcome to Panama City Beach! This impressive three-story rental property offers breathtaking views of the Gulf and is ideally situated in the highly desirable East End of Panama City Beach. It is one of two units available for purchase together or separately. Together, both units will accommodate up to 29 guests, which is perfect for large groups of various kinds. 5312 Thomas Drive is a highly

    Melany Hathcock CENTURY 21 Ryan Realty Inc

    5312 Thomas Dr, Panama City, FL 32408
  • /108

    $694,000

    • 4 Beds
    • 3 Baths
    • 1,983 Sq Ft

    2536 W 9th St, Panama City, FL 32401

    Beautiful and fully renovated Florida Cottage located In the St. Andrews historic district. This is very popular area and Short term rentals allowed. Must see ! Located just across the street from St. Andrew Bay and with walking distance to all historical St. Andrew attractions and One block from Oak by the Bay Park. Almost 2,000 sq ft 4 bedrooms 3 baths house with two main suits at the ground

    Irina Tibbits Junbergs Panhandle Real Estate

    2536 W 9th St, Panama City, FL 32401
  • /52

    $635,000

    • 2 Beds
    • 2 Baths
    • 1,370 Sq Ft

    5004 Thomas Dr Unit 1507, Panama City Beach, FL 32408

    Welcome to Treasure Island. This spacious unit includes a large balcony and Gulf views throughout most of the condo. Accommodating up to eight guests, Treasure Island will have you and your guests returning year after year. Freshly painted with some new commercial furniture, this unit has much to desire. The kitchen has granite countertops, a breakfast bar, and plenty of cabinet space, and

    Melany Hathcock CENTURY 21 Ryan Realty Inc

    5004 Thomas Dr Unit 1507, Panama City Beach, FL 32408
  • /69

    $950,000

    • 4 Beds
    • 4 Baths
    • 2,396 Sq Ft

    5310 Thomas Dr, Panama City, FL 32408

    Discover this charming three-story rental property that offers stunning views of the Gulf and is conveniently located just across the road from some of the world's most beautiful beaches. This rental boasts an ideal location within walking distance of various shops, restaurants, attractions, and marinas and is only steps away from the white sandy beaches of Panama City Beach. The first floor

    Melany Hathcock CENTURY 21 Ryan Realty Inc

    5310 Thomas Dr, Panama City, FL 32408
  • /28

    $395,000

    • 2 Beds
    • 1 Bath
    • 860 Sq Ft

    4120 Nova St Unit D, Panama City, FL 32408

    Great opportunity to purchase this 2 bedroom, 1 bath condo steps to the beach and no HOA! This unit is being offered fully furnished and rental ready. New construction around this property will enhance the area and make it shine!

    Will Palmer Better Homes and Gardens Coast Properties

    4120 Nova St Unit D, Panama City, FL 32408
  • /38

    $725,000

    • 3 Beds
    • 2 Baths
    • 1,650 Sq Ft

    322 Greenwood Cir, Panama City Beach, FL 32407

    WATERFRONT with GULF ACCESS and NO HOA FEES and NO CANAL FEES. Welcome to your new home nestled on a canal that is minutes from the beautiful beaches of Panama City Beach. This beautifully remodeled 3-bedroom, 2-bathroom ranch-style home offers 1,650 sq. ft. of inviting living space. Situated on a canal that feeds into the Gulf, this home offers a private dock and boat lift, making it a dream

    Scott Zeller Coldwell Banker Realty

    322 Greenwood Cir, Panama City Beach, FL 32407
  • /29

    $629,000

    • 2 Beds
    • 2 Baths
    • 1,370 Sq Ft

    5004 Thomas Dr Unit 408, Panama City Beach, FL 32408

    BEST VIEWS ON THE BEACH! Enjoy the expansive, panoramic view of the Gulf from your oversized balcony. Savor your morning coffee while you watch the resident dolphins of St. Andrew's cruise by or catch a breathtaking sunset and evening cocktail with close friends. This 2/2 with bunk sleeps 8 and makes for a great investment, vacation rental or second home. This unit has LVP and tile throughout, an

    Brittany McLaughlin CENTURY 21 Ryan Realty Inc

    5004 Thomas Dr Unit 408, Panama City Beach, FL 32408
  • /24

    $6,700,000

    • 29,796 Sq Ft

    240 Harmon Ave, Panama City, FL 32401

    Discover an exceptional investment opportunity with this fully renovated, multifamily apartment community situated on a prime waterfront location. Boasting 34 units, this property seamlessly integrates residential living with marina access, featuring a 22-slip marina ideal for water enthusiasts. The community offers a diverse mix of unit configurations, including 12 one-bedroom units, each 650

    Marcy O'Donnell Luxe Coastal Realty Group LLC

    240 Harmon Ave, Panama City, FL 32401
  • /47

    $879,900

    • 3 Beds
    • 3 Baths
    • 1,776 Sq Ft

    4050 Marriott 3806 Dr Unit 3806, Panama City Beach, FL 32408

    Want to live in the premier condo unit in Bay Point with the most incredible views in all Bay County/ This penthouse unit features views of Shell Island, the pass, the Gulf and the east end of St Andrews State Park. It has both sunrise and sunset views to die for! It has 10' ceilings, beautiful tile flooring, upgraded granite countertops, up graded appliances and comes partially furnished. It

    Ray Young Bay Point Real Estate Co

    4050 Marriott 3806 Dr Unit 3806, Panama City Beach, FL 32408
  • /34

    $324,900

    • 3 Beds
    • 2 Baths
    • 1,612 Sq Ft

    3423 Cherry Ridge Rd, Lynn Haven, FL 32444

    ***FANTASTIC MOVE-IN READY HOME IN THE POPULAR HAMMOCKS SUBDIVISION!*** This single level home features an open-concept floor plan, tile and laminate wood flooring throughout, and a split bedroom design offering a clean and comfortable layout. The main living areas boast high ceilings and lots of natural light, making the home feel extra spacious and inviting. In the kitchen, you will find plenty

    Eva Mullins Coldwell Banker Realty

    3423 Cherry Ridge Rd, Lynn Haven, FL 32444
  • /16

    $319,000

    • 2 Beds
    • 1.5 Baths
    • 1,152 Sq Ft

    6211 S Lagoon Dr Unit A, Panama City, FL 32408

    Updated Townhome with Bay Views - Walk to the Beach!Welcome to 6211 S Lagoon Dr, a beautifully updated townhome in the heart of Panama City Beach! This 2-bedroom, 1.5-bathroom home has been completely renovated with new flooring, an updated kitchen, and modernized bathrooms, offering a fresh and stylish living space.Located right across the street from the bay, you'll enjoy serene bay views and

    Team Don and Bubba EXP Realty LLC

    6211 S Lagoon Dr Unit A, Panama City, FL 32408
  • /41

    $585,000

    • 3 Beds
    • 3 Baths
    • 2,701 Sq Ft

    100 Cherry St Unit 604 & 605, Panama City, FL 32401

    One of a kind find! Two units were combined to complete this 2,701 sq. ft. home. One of the largest units in the Cove Condominium, located directly on St. Andrews Bay and just a few blocks from the revitalized Historic Downtown Panama City, popular restaurants, and shopping. This unit has a master bedroom looking out over the bay with a private balcony and a family living area looking over the

    Bubba McCants EXP Realty LLC

    100 Cherry St Unit 604 & 605, Panama City, FL 32401
  • /33

    $482,700

    • 3 Beds
    • 2 Baths
    • 2,088 Sq Ft

    6304 Causeway Rd, Panama City, FL 32408

    Discover this beautifully updated 3-bed 2-bath home in the heart of Panama City Beach! Built in 1981 and thoughtfully remodeled, this home offers a perfect blend of modern updates and coastal charm.Prime Location, just minutes from the white sandy beaches and local attractions. Enjoy your own outdoor oasis with a semi-inground pool, a cozy tiki hut with 1/2 turf, 1/2 sand, & a divided fenced

    Renee Redfern Think Real Estate

    6304 Causeway Rd, Panama City, FL 32408
  • /52

    $239,000

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

    4305 Bay Point Rd Unit 459, Panama City Beach, FL 32408

    Welcome To Bay Point a private gated community. This prime location offers the exceptional feel of Coastal Living and enjoyment of renowned Jack Nichlous 18-hole Championship Golf Course as well as the Full Service 180 slip Marina just a short stroll or Golf Cart ride away.Bay Point also offers an Award-winning full-service Resort and Spa facilities to include 5 tennis court facility as well as

    Donna Stokes Top Producers Real Estate Ctr

    4305 Bay Point Rd Unit 459, Panama City Beach, FL 32408
  • /45

    $447,500

    • 4 Beds
    • 3 Baths
    • 2,687 Sq Ft

    4033 Mary Louise Dr, Panama City, FL 32405

    If you're searching for a spacious home in a prime location with plenty of room for both living and storage, come and see 4033 Mary Louise Dr in Panama City, FL TODAY!! This beautiful 2,683 sq ft home offers 4 bedrooms and 3 full bathrooms, providing ample space for everyone. The open floor plan includes a formal living and dining room, a large den with a cozy fireplace, and an eat-in kitchen

    Jessica Albritton Beachy Beach Real Estate

    4033 Mary Louise Dr, Panama City, FL 32405

Showing Results 641 - 680, Page 17 of 18

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