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Waterfront Homes for Sale in Panama City, FL

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  • /36

    $467,000

    • 2 Beds
    • 3 Baths
    • 1,184 Sq Ft

    9900 S Thomas Dr Unit 721, Panama City, FL 32408

    Seller is offering a Complete HOME WARRANTY!. Coveted 7th-Floor Condo with Same-Level Parking - Turn-Key 2BR/3BA at Shores of Panama. Welcome to Unit 721, a beautifully updated and fully furnished condo in one of Panama City Beach's most iconic Gulf-front resorts. This 2 bedroom, + Bunkroom, 3 bathroom layout is a standout, featuring two private en-suite bedrooms plus a separate bunk room with

    Barbara Wade Beachy Beach Real Estate

    9900 S Thomas Dr Unit 721, Panama City, FL 32408
  • 3204 Heartleaf Ave E Unit 37003976, Panama City, FL 32405

    $382,250 New Construction

    • 2 Beds
    • 2 Baths
    • 1,167 Sq Ft

    Thatch Plan at SweetBay - The Cottages, Panama City, FL 32405

    The Thatch is an efficient one-story home with 2 bedrooms and 2 baths, designed for easy, lock-and-leave living. The open layout maximizes space while offering plenty of storage with a large laundry room, pantry, and generous primary closet.The primary bath features a tile-to-ceiling shower, while a guest bath serves the second bedroom. Outdoor living includes a charming front porch, and multiple

    Harris Doyle Homes Builder
    3204 Heartleaf Ave E Unit 37003976, Panama City, FL 32405
  • /21

    $199,000

    • 1 Bed
    • 1 Bath
    • 840 Sq Ft

    8730 Thomas Dr Unit 1203, Panama City, FL 32408

    $26,000 PRICE REDUCTION!St. Thomas Square 1203B is close to everything you'd want in a condo. A short stroll to the ''Most Beautiful Beaches in the World'', with restaurants, shopping and entertainment so close you can leave your car at home! St. Thomas Square offers a gated and fenced community, with two tennis courts, large pool and sun deck, steam/sauna room, shuffleboard, community room,

    Scott Pelletier Beach Haven Realty

    8730 Thomas Dr Unit 1203, Panama City, FL 32408
  • /43

    $534,000

    • 2 Beds
    • 2 Baths
    • 1,086 Sq Ft

    8727 Thomas Dr, Panama City, FL 32408

    GULF FRONT @ Sugar Beach!! Presenting Sugar Beach C-17, the only gulf-front condo currently available in this highly desirable gated resort. This beautifully positioned 2-bedroom, 2-bath residence delivers the true Gulf-of-Mexico lifestyle, with both the primary suite and the spacious family room overlooking the water and offering direct balcony access for sunrise coffees, sunset dinners, and the

    Team Don and Bubba EXP Realty LLC

    8727 Thomas Dr, Panama City, FL 32408
  • /34

    $239,000

    • 1 Bath
    • 489 Sq Ft

    8817 S Thomas Dr Unit 611, Panama City, FL 32408

    Directly on the Beach. Gulf Front-Gulf of Mexico, Ocean and Sunset Views, Pool Side. Directly from your new condo to the beach-Top of The Gulf! Fully furnished. With a quality Recent renovation at a cost of aproximately $60,000 to include NEW HVAC heating and air. Live here full time, have it for your friends and family, use it as a short- or long-term rental investment. Amenities: wi-fi, owners

    Anthony Davidson Local Motion Realty LLC

    8817 S Thomas Dr Unit 611, Panama City, FL 32408
  • 1534 Drift Rose Ct, Panama City, FL 32405

    $454,000 New Construction

    • 4 Beds
    • 2 Baths
    • 1,541 Sq Ft

    1534 Drift Rose Ct, Panama City, FL 32405

    The Waverly plan by Harris Doyle Homes is offered in Indigo Lakes. This sought after single level home offers an expansive vaulted ceiling in both the dining and open great room. The gorgeous island kitchen comes standard with stainless appliances, stone countertops and a tile backsplash. The private primary suite has a spacious bath with tile-to-ceiling shower, dual vanities, and an adjoining

    Harris Doyle Homes Builder
    1534 Drift Rose Ct, Panama City, FL 32405
  • /6

    $12,000,000

    • Land
    • 283 Acres
    • $42,403 per Acre

    1025 Highway 2297, Panama City, FL 32404

    Waterfront Development opportunity with access to East Bay and the Gulf of Mexico. With over 5,600 FF on Cook's Bayou, the property has a mixture of Oaks, Magnolia and Pines. +/- 150 upland acres located on a bluff along the waterfront. The majority of the uplands is Zone X or outside of the 500 year flood zone. The property is zoned Conservation Habitation at 2 units per acre or 514 units.

    Brent Faison NAI TALCOR

    1025 Highway 2297, Panama City, FL 32404
  • /49

    $400,000

    • 1 Bed
    • 2 Baths
    • 936 Sq Ft

    9900 S Thomas Dr Unit 1925, Panama City, FL 32408

    This unit 1925 at Shores of Panama Beach Resort has been renovated to include comfort and beauty and provides endless opportunities for relaxing by the Gulf! When you enter the unit you will already begin to feel relaxed when viewing the mesmerizing coastal views! Once inside the unit you have amazing views from the Master bedroom and the Kitchen living area! This is the perfect sunset spot too

    Charles Sowers Realty One Group Emerald Coast

    9900 S Thomas Dr Unit 1925, Panama City, FL 32408
  • /44

    $564,900

    • 2 Beds
    • 2 Baths
    • 1,305 Sq Ft

    9812 Beach Blvd Unit D, Panama City, FL 32408

    PRICE REDUCED: Just steps from the beach, this two-bedroom, two-bathroom condo offers the perfect coastal retreat. Located in a small, private complex with peaceful surroundings, this second-floor unit provides beautiful views of the emerald waters and stunning sunsets, which can be enjoyed from the balcony accessible from both the living room and master bedroom. Recent updates include fresh

    Jo Cochran Anchor Realty Florida

    9812 Beach Blvd Unit D, Panama City, FL 32408
  • /19

    $2,495,000

    • Land
    • 2.94 Acres
    • $848,639 per Acre

    1817 Bay Breeze Dr, Panama City, FL 32409

    Waterfront Development Opportunity with Entitlements in Place. Bay Breeze Shores is nestled along North Bay in the City of Lynn Haven. This waterfront property offers a rare opportunity for visionary developers and investors. With panoramic water views and wildlife to observe, promising a lifestyle of tranquility and privacy, making it an ideal site for creating an exclusive multifamily

    Jonathan Minerick HomeCoin.com

    1817 Bay Breeze Dr, Panama City, FL 32409
  • /84

    $1,995,000

    • 4 Beds
    • 4.5 Baths
    • 4,125 Sq Ft

    6701 Yacht Club Dr, Panama City, FL 32404

    Welcome to 34 Palms A One-of-a-kind Waterfront Oasis Redefining Luxury Coastal Living. Experience the pinnacle of Florida waterfront living at 6701 Yacht Club Drive, a remarkable 0.83-acre peninsula estate with 360 panoramic bay views and endless adventure come together. Perfectly positioned with water on all sides, this 4-bedroom, 5-bath, 4,125-square-foot home captures the essence of the

    Lori Buckalew Corcoran Reverie

    6701 Yacht Club Dr, Panama City, FL 32404
  • /2

    $60,000

    • Land
    • 0.31 Acre
    • $193,548 per Acre

    915 Tidewater Ln, Panama City, FL 32404

    Waiting for the opportunity to build a beautiful new home? This cleared vacant lot in Laird point is your blank canvas. Seller has HOA approved blueprints. The lot offers an amazing view of Laird Bayou and the Lake. The lot does not allow a dock per HOA. The water can be accessed by foot for Kayaking, fishing or just relaxing. Laird Point is a gated waterfront community offering several amenities

    Cory Brown Think Real Estate

    915 Tidewater Ln, Panama City, FL 32404
  • /53

    $450,000

    • 3 Beds
    • 3 Baths
    • 1,483 Sq Ft

    9860 S Thomas Dr Unit 1001, Panama City, FL 32408

    VIEWS VIEWS VIEWS AS GOOD AS IT GETS. READY TO RENT, SAME FLOOR AS POOL, this condo has 3 Bedrooms, 3 Baths, Bunk Room & Can Easily Accommodate Over 10 People. . Laketown Wharf Resort has a Dedicated/Gated Beach Access through a private boardwalk at Pineapple Willys. Mini Golf area, Grilling area, All the Fun & Excitement in Panama City Beach! This Beachside Resort Offers Amenities with

    Mike Rylee Beach Time Realty, Inc

    9860 S Thomas Dr Unit 1001, Panama City, FL 32408
  • /12

    $109,900

    • Land
    • 0.11 Acre
    • $999,091 per Acre

    3323 Green Turtle Ln, Panama City, FL 32408

    One of the most private lots in the beautiful Martinique subdivision! This lot backs up to the pond and a trail with walking access to the community amenities, making it the perfect central location to build your dream home. Amenities include a basketball court, pool, walking trails, and playground. Martinique is a gated community and is tucked away off Thomas Drive within short distance to the

    Charles Commander Jr. CENTURY 21 Commander Realty

    3323 Green Turtle Ln, Panama City, FL 32408
  • /97

    $413,604 New Construction

    • 3 Beds
    • 3.5 Baths
    • 1,646 Sq Ft

    1207 Wildflower Ct Unit LOT 693 - SABAL PLAN, Panama City, FL 32405

    Own a new home in popular waterfront SweetBay with Priority Access to coveted University Academy! The Sabal plan by Harris Doyle Homes features 3 bedrooms and 3-1/2 baths. The downstairs primary suite has a spacious tile-to-ceiling shower and walk-in closet. There is also an upstairs primary suite with a balcony, and a third bedroom, also with its own ensuite bath. The kitchen includes stainless

    Janet Melton SweetBay Realty

    1207 Wildflower Ct Unit LOT 693 - SABAL PLAN, Panama City, FL 32405
  • /27

    $369,000

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

    6505 Thomas Dr Unit 1005, Panama City, FL 32408

    Experience breathtaking 10th-floor Gulf-front living in this beautifully appointed 2-bedroom, 2-bath condo. From the moment you walk in, you're greeted with sweeping views of the emerald waters and sugar-white sands below. The spacious master bedroom features large windows that frame the coastline perfectly. The open living and dining area provides plenty of space to relax or entertain, all while

    Kenny Schell Pineapple Properties

    6505 Thomas Dr Unit 1005, Panama City, FL 32408
  • /16

    $599,000

    • Land
    • 1.15 Acres
    • $520,870 per Acre

    6241 E Bus Highway 98, Panama City, FL 32404

    Prime development opportunity. This 1.15± acre parcel offers waterfront and unmatched potential for a townhouse community, a spacious single-family residence, or a commercial development. Located on busy Tyndall Parkway just minutes from Tyndall Air Force Base, the property provides exceptional visibility and convenience. With the area experiencing rapid growth, this site is perfectly positioned

    Timothy Carroll Counts Real Estate Group

    6241 E Bus Highway 98, Panama City, FL 32404
  • /48

    $455,000

    • 3 Beds
    • 3 Baths
    • 1,681 Sq Ft

    9902 S Thomas Dr Unit 234, Panama City, FL 32408

    FULLY FURNISHED & A CURRENT CASH FLOWING INVESTMENT!! Welcome to Laketown Wharf #234, a stunning, fully renovated 3-bedroom, 3-bath residence offering breathtaking views from the main living area, primary suite, and oversized balcony. The unit is located on the second floor, offering convenient access to the parking garage—if you park on Level 2, you can walk directly to the unit without needing

    Bri Bowhall Foundation Real Estate Agency LLC

    9902 S Thomas Dr Unit 234, Panama City, FL 32408
  • /54

    $119,000

    • Land
    • 0.11 Acre
    • $1,081,818 per Acre

    5408 Hopetown Ln, Panama City, FL 32408

    Build your dream home on a distinguished waterfront lot overlooking a peaceful pond enhanced by a beautiful, cascading fountain. Located in the highly sought-after gated community of Martinique, this property offers an exceptional lifestyle surrounded by natural beauty and upscale amenities. Residents of Martinique enjoy picturesque walking trails, natural paths, a large community pool, park

    Oksana Hobbs Keller Williams Success Realty

    5408 Hopetown Ln, Panama City, FL 32408
  • /35

    $360,000

    • 3 Beds
    • 2 Baths
    • 1,262 Sq Ft

    9860 S Thomas Dr Unit 1211, Panama City, FL 32408

    Welcome to Unit 1211 at Laketown Wharf Resort, a beautifully remodeled three bedroom, two bathroom condominium offering stunning Gulf views and excellent rental potential. This spacious unit features an open-concept living and dining area filled with natural light, updated finishes throughout, and a private balcony ideal for enjoying sunsets over the emerald waters of the Gulf of Mexico. Recent

    James Griffitts EXP Realty LLC

    9860 S Thomas Dr Unit 1211, Panama City, FL 32408
  • /32

    $327,500

    • 2 Beds
    • 2 Baths
    • 1,086 Sq Ft

    8727 Thomas Dr Unit C40, Panama City, FL 32408

    $5k Sellers Credit to cover the cost of ALL NEW FLOORING throughout!!! Imagine cherishing something so much that you keep it in your family for almost 30 years. Such love is something seldom found in today's society, but this truly special condo has been blessed with seeing several generations of sandy feet, sun kissed shoulders, and lifelong memories created by the same caring family. From the

    Garrett Aune Beachy Beach Real Estate

    8727 Thomas Dr Unit C40, Panama City, FL 32408
  • /83

    $1,195,000

    • 4 Beds
    • 3 Baths
    • 2,733 Sq Ft

    8817 N Lagoon Dr, Panama City, FL 32408

    Welcome to 8817 N Lagoon Drive, a premier waterfront offering designed for buyers who value privacy, lifestyle, and long-term value. Located along one of Panama City's most desirable boating corridors, this property features a private dock with direct access to St. Andrews Bay and the Gulf of Mexico, delivering an elevated coastal experience few homes can offer. This residence is ideally suited

    The Simpson Group Christies International Real Estate Emerald Coast

    8817 N Lagoon Dr, Panama City, FL 32408
  • /44

    $355,000

    • 1 Bed
    • 1.5 Baths
    • 740 Sq Ft

    8743 Thomas Dr Unit 225, Panama City, FL 32408

    Don't miss your chance to own a beautifully maintained, turnkey beachfront condo in the vibrant heart of Panama City Beach. This spacious one-bedroom, two-bath unit comfortably sleeps six with a king-size master bedroom, cozy hallway bunk beds featuring reading lights, and a living room with a sofa sleeper - perfect for family getaways or rental income potential. Enjoy private access to a

    Mike Johnson Century 21 BE3

    8743 Thomas Dr Unit 225, Panama City, FL 32408
  • /20

    $760,000

    • 2 Beds
    • 3 Baths
    • 1,290 Sq Ft

    8021 Surf Dr, Panama City, FL 32408

    Wake up to the sound of waves and step directly from your patio onto the sugar-white sands of Panama City Beach. This rare Gulf-front townhouse offers unobstructed views, private beach access, and a setting that captures the essence of classic coastal living. The main living level features a bright, open layout with tile flooring and recessed lighting. The kitchen offers generous cabinetry, ample

    Alex Morris Dalton Wade Inc

    8021 Surf Dr, Panama City, FL 32408
  • 1453 Tulip Ct, Panama City, FL 32405

    $550,000 New Construction

    • 3 Beds
    • 2.5 Baths
    • 1,998 Sq Ft

    1453 Tulip Ct, Panama City, FL 32405

    The Iva is a versatile two-story home with 3 bedrooms and 2 baths on the main level, including a private primary suite with tile-to-ceiling shower, dual vanities, and a spacious walk-in closet. The open layout connects the great room, dining area, and eat-in island kitchen with stainless steel appliances, stone countertops, and tile backsplash, while a nearby laundry room adds

    Harris Doyle Homes Builder
    1453 Tulip Ct, Panama City, FL 32405
  • /33

    $342,600 New Construction

    • 2 Beds
    • 2 Baths
    • 1,375 Sq Ft

    Mangrove Plan at SweetBay - The Cottages - Townhomes, Panama City, FL 32405

    The Mangrove is a charming one-story lock-and-leave home designed for easy living. With 2 bedrooms and 2 baths, including a private primary suite, this plan features an open living area that connects the kitchen, dining, and great room.Storage is abundant with a large laundry room, pantry, and walk-in closets, and the primary bath includes a tile-to-ceiling shower. A guest bath serves the second

    Harris Doyle Homes Builder
    3204 Heartleaf Ave E Unit 37004016, Panama City, FL 32405
  • /55

    $439,000

    • 2 Beds
    • 2 Baths
    • 1,015 Sq Ft

    6505 Thomas Dr Unit 613C, Panama City, FL 32408

    Welcome to SUMMERHOUSE CONDOS. Summerhouse has been a favorite area condo resort for years. Several generations of owners and guests have grown up making Summerhouse their Beach Escape. Dive into the coastal lifestyle with this highly desirable 2-Bedroom, 2-Bath unit located on the 6th floor of the newest building. This midrise location will help ensure maximum rental income potential, making it

    Greg Taylor Counts Real Estate Group Inc

    6505 Thomas Dr Unit 613C, Panama City, FL 32408
  • /28

    $6,197,500

    • 29,796 Sq Ft

    240 Harmon Ave, Panama City, FL 32401

    This exceptional 34-unit waterfront community, complete with a 22-slip marina, is now offered at a newly adjusted price, creating an even stronger value proposition for investors. In addition to its comprehensive renovations and prime waterfront amenities, the property includes an income-generating on-site laundry facility and a low-maintenance marina that produces steady net revenue, further

    Marcy O'Donnell Luxe Coastal Realty Group LLC

    240 Harmon Ave, Panama City, FL 32401
  • /34

    $739,999

    • 2 Beds
    • 2 Baths
    • 1,595 Sq Ft

    6415 Thomas Dr Unit 205, Panama City, FL 32408

    PRICE REDUCED. This 2 bedroom 2 bath unit is absolutely gorgeous. Its 1595sq ft. of living space with a 288 sq. Ft. balcony is the perfect vacation home. Rarely does a unit come available for sale in this complex. This unit is located on the highly sought-after 2nd floor of the prestigious gated community of Princess Condominiums. This unit has been recently updated with fresh paint along with

    Tracey Carico Home Town Realty Partners LLC

    6415 Thomas Dr Unit 205, Panama City, FL 32408
  • /40

    $299,000

    • 1 Bed
    • 1 Bath
    • 609 Sq Ft

    9850 S Thomas Dr Unit 602W, Panama City, FL 32408

    Wake up to breathtaking, unobstructed views of the Gulf from your private balcony in this desirable C Floorplan unit at Sunbird Resort. This beautifully updated, fully furnished one-bedroom, one-bath vacation rental is move-in ready and features a completely remodeled kitchen and new water heater.Enjoy peace of mind and luxury living thanks to Sunbird's extensive recent renovations: new

    Henry Brigmond Beachy Beach Real Estate

    9850 S Thomas Dr Unit 602W, Panama City, FL 32408
  • /36

    $249,900

    • 1 Bed
    • 1 Bath
    • 656 Sq Ft

    3600 Thomas Dr Unit C104, Panama City, FL 32408

    Experience classic Panama City Beach waterfront living in this beautifully updated 1-bedroom, 1-bath Treasure Cove condominium, affectionately known as “Crabby Lagoon.” Nestled on Grand Lagoon along Thomas Drive, this first-floor unit offers peaceful views of the community pool, dock, and lagoon—just under one mile from the white sandy beaches and Public Access #5. Step inside to a space that

    Cynthia Miller Xcellence Realty

    3600 Thomas Dr Unit C104, Panama City, FL 32408
  • /69

    $359,000

    • 1 Bed
    • 2 Baths
    • 936 Sq Ft

    9900 S Thomas Dr Unit 225, Panama City, FL 32408

    Step into coastal comfort at Unit 225 at the Shores of Panama, one of PCB's most iconic full-amenity resorts. This beautifully maintained condo sits on the second floor, giving you the perfect blend of convenience, privacy, and quick access to the beach, pool deck, and parking garage. Inside, you'll find an inviting open layout with a full kitchen, granite countertops, and a spacious living area

    Patrick Casey Full Sail Realty of NWFL

    9900 S Thomas Dr Unit 225, Panama City, FL 32408
  • /13

    $60,000

    • Land
    • 0.39 Acre
    • $153,846 per Acre

    1001 Tidewater Ln, Panama City, FL 32404

    Enjoy the most prestigious, private neighborhood of Laird Point as you envision yourself building your dream home overlooking Laird Bayou on this .386 vacant piece of residential land. With 94 feet of frontage on the water you can enjoy the beautiful landscape of having your own residence meshed within luxury housing in this gated community. Lot 54 is a waterfront paradise set right in a

    Elaine Fenster Coastal Palms Real Estate

    1001 Tidewater Ln, Panama City, FL 32404
  • /22

    $160,000

    • 2 Beds
    • 2 Baths
    • 1,000 Sq Ft

    105 Allen Ave Unit 61, Panama City, FL 32401

    A beautiful 2 bedroom & 2 bathroom condo at the perfect location in the highly sought after Cove Neighborhood. This unit is on the second floor which is also the top floor, meaning you don't need to worry about loud neighbors above you. Stairs only, no elevator. The living room is large with a spacious balcony. The master bedroom has an ensuite bathroom as well as the stackable laundry. The

    Connor Meyette CENTURY 21 Commander Realty

    105 Allen Ave Unit 61, Panama City, FL 32401
  • /71

    $389,000

    • 4 Beds
    • 3.5 Baths
    • 2,156 Sq Ft

    4736 Bigleaf Ln, Panama City, FL 32408

    This home checks ALL the boxes, upgrades galore! The Monroe floor plan features TWO master bedrooms (1-upstrais and 1 downstairs) Ground-level bedroom with en-suite bath, perfect for guests or multigenerational living; plus a convenient half bath for visitors on first floor. From the upstairs deck you can see throughout the community, and from your living room, dining room, 2-upstairs bedrooms

    Angela Hale ERA Neubauer Real Estate, Inc

    4736 Bigleaf Ln, Panama City, FL 32408
  • /6

    $4,000,000

    • Land
    • 80 Acres
    • $50,000 per Acre

    00 Highway 2297, Panama City, FL 32404

    +/- 80 acres with over 2,200ft of waterfront onEast Bay, with direct access to the Gulf of Mexico. Currently zoned CSVH, allowing for 2 residential units / acre. Water, electricity, and sewer are available to site. Directly across the bay from Tyndall Air Force Base. The City of Callaway has seen significant growth from a $5.2 billion rebuild of Tyndall Air Force Base—the largest MILCON

    Anderson Brooks NAI TALCOR

    00 Highway 2297, Panama City, FL 32404
  • /41

    $355,000

    • 1 Bed
    • 2 Baths
    • 936 Sq Ft

    9900 S Thomas Dr Unit 2325, Panama City, FL 32408

    23rd Floor Condo with Amazing Views for miles as you walk to your front door. Balcony views give you Westerly and South Gulf Views and fabulous views of the dynamic pool area. This Top Floor Penthouse unit sleeps 6 and has one full bedroom and bath, bunk room and bath, spacious living room/dining area and modern kitchen. Kitchen has granite countertops, stainless steel appliances, updated

    Paul LaCourse Anchor Realty Florida

    9900 S Thomas Dr Unit 2325, Panama City, FL 32408
  • /88

    $1,699,000

    • 4 Beds
    • 3.5 Baths
    • 3,008 Sq Ft

    6320 River House Dr, Panama City, FL 32413

    True waterfront homes in RiverCamps are rare, and this custom-built residence is the only one of its kind currently available. Set on 1.32 private acres that back to the shore of Crooked Creek, surrounded by mature hardwoods, this 3,008-square-foot home offers a peaceful, tucked-away setting that feels worlds apart. The layout includes four bedrooms, three and a half baths, and a flexible bonus

    Kammy Landavazo Berkshire Hathaway HomeServices Beach Properties of Florida

    6320 River House Dr, Panama City, FL 32413
  • /23

    $340,000

    • 2 Beds
    • 2 Baths
    • 1,048 Sq Ft

    8815 Thomas Dr Unit 207, Panama City, FL 32408

    Moondrifter 207 is a turnkey beachfront condo designed for both enjoyment and strong rental performance, offering direct Gulf views and a prime location next to the future Tootsies entertainment complex, which will further drive demand and appreciation. Recent high-value upgrades—including a 2025 A/C system, a 2024 balcony slider, a 2024 washer and dryer, and a 2025 dishwasher—ensure lower

    Viola Zhuravel Fun Quest Vacation Rentals Corp

    8815 Thomas Dr Unit 207, Panama City, FL 32408

Showing Results 281 - 320, Page 8 of 14

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