Pasco County FL Homes under $400,000

• 

  

  

  /19

  $355,400 New Construction

  • 3 Beds
  • 2 Baths
  • 1,448 Sq Ft

  Annapolis Plan at Angeline - The Manors, Land O Lakes, FL 34638

  In this single-story home, the kitchen, dining room and family room cohesively flow together with a contemporary open floorplan. The adjacent owner’s suite offers a comfortable place to relax with a private bathroom and walk-in closet, while two additional bedrooms provide space for the rest of the family.

  Lennar Builder

  10065 Gentle Rain Dr Unit 36039351, Land O Lakes, FL 34638
• 

  

  

  /14

  $380,270 New Construction

  • 4 Beds
  • 2 Baths
  • 1,840 Sq Ft

  1808 Coolridge Place, Zephyrhills, FL 33541

  Prepare dinner in the Foxglove's open kitchen which overlooks a spacious great room and dining area. Retreat to your primary suite that is conveniently situated in the back of the home for plenty of privacy.

  Meritage Homes Builder

  1808 Coolridge Place, Zephyrhills, FL 33541
• 

  

  

  /17

  $391,985 New Construction

  • 2 Beds
  • 2 Baths
  • 1,683 Sq Ft

  9986 Minnow Ray Dr, Land O Lakes, FL 34638

  This single-story home maximizes comfort and convenience. An open floorplan among the family room, dining room and kitchen accesses a spacious patio in a contemporary design, while an adjacent flex room is perfect for hobbies of all kinds. Both bedrooms feature private bathrooms, ideal for ease of living and overnight guests.

  Lennar Builder

  9986 Minnow Ray Dr, Land O Lakes, FL 34638
• 

  

  

  /29

  $350,000

  • 2 Beds
  • 2 Baths
  • 1,094 Sq Ft

  3923 Holiday Lake Dr, Holiday, FL 34691

  MOTIVATED SELLER! Bring your boat! Waterfront 2 bedroom, 2 bath home with one car garage that has been TOTALLY UPDATED! BRAND NEW FLOORING throughout the home with NO CARPET! BRAND NEW KITCHEN that features white cabinets with lots of storage, stainless steel appliances and newer counter tops! One of the two baths currently finishing up with renovations. Newer roof in 2017. With this beautiful

  Kenson Dera HOUSE EDGE

  3923 Holiday Lake Dr, Holiday, FL 34691
• 

  

  

  /34

  $319,900

  • 3 Beds
  • 2 Baths
  • 1,451 Sq Ft

  13555 Sea Bridge Dr, Hudson, FL 34669

  Beautiful Lakeside Home with Water Views!Built in 2021. No need for updates. This 3-bedroom, 2-bath single-family home offering 1,451 sq. ft. of open-concept living. Features include vaulted ceilings, modern finishes throughout, and a spacious kitchen that opens to bright living and dining areas with lake views. The primary suite offers dual sinks, walk-in closet, walk in shower, with private

  Anthony Lord REALNET FLORIDA REAL ESTATE

  13555 Sea Bridge Dr, Hudson, FL 34669
• 

  $345,087 New Construction

  • 4 Beds
  • 2 Baths
  • 1,989 Sq Ft

  14710 Abasail Ln, Hudson, FL 34667

  This beautiful, single-story home showcases an open floor plan with tile flooring at living and wet areas. The entry gives way to a spacious great room that provides access to a covered back patio, which is ideal for hosting friends and family. The contemporary kitchen boasts laminate countertops, 36-in. upper cabinets, an eat-in island, walk-in pantry and Whirlpool stainless steel appliances.

  KB Home Builder

  14710 Abasail Ln, Hudson, FL 34667
• 

  

  /31

  $367,900 New Construction

  • 4 Beds
  • 2 Baths
  • 1,819 Sq Ft

  Raychel Plan at Stonebridge at Chapel Creek - Stonebridge North, Zephyrhills, FL 33541

  Welcome home to the Raychel by Highland Homes! A favorite among homeowners, this home features beautifully designed spaces including a spacious, open living area and spacious owner's suite! The Raychel features: A spacious gathering room and kitchen with a large counter-height island, walk-in pantry, and adjacent dining cafe, all under an airy volume ceiling. A spacious owner's suite with an

  Highland Homes Builder

  6980 Twisting Pines St Unit 37320249, Zephyrhills, FL 33541
• 

  

  /20

  $365,565 New Construction

  • 3 Beds
  • 2.5 Baths
  • 2,319 Sq Ft

  32062 Pop Ash Place, San Antonio, FL 33576

  This two-story townhome features a contemporary layout on the first floor connecting the family room, kitchen and dining room in a breezy, open-plan design. Nearby is a covered patio to extend activities outdoors. Upstairs hosts two secondary bedrooms, a versatile loft and the spacious owner’s suite with a spa-style bathroom. Completing the home is a convenient two-car garage for convenient

  Lennar Builder

  32062 Pop Ash Place, San Antonio, FL 33576
• 

  

  /22

  $339,000

  • 2 Beds
  • 2 Baths
  • 936 Sq Ft

  14984 Edgewater Cir, Hudson, FL 34667

  TRIPLE LOT with DIRECT GULF ACCESS and beautiful SUNSET VIEWS! And NO HOA! This ELEVATED 2-bedroom 2-bathroom manufactured home sits high and dry on 3 lots which are partially fenced and feature a detached 1 car garage/workshop and another storage shed with parking pad for your RV or boat trailer. Inside you'll find a 2-bedroom split plan, breakfast nook in the kitchen and a living room with

  Melissa Horn FLORIDA LUXURY REALTY INC

  14984 Edgewater Cir, Hudson, FL 34667
• 

  

  /8

  $300,000

  • 3 Beds
  • 2 Baths
  • 1,064 Sq Ft

  3409 Vidal St, New Port Richey, FL 34655

  Welcome to this beautifully updat4ed 3-bedroom, 2-bathroom block home located on a spacious corner lot in a sought-after neighborhood in New Port Richey. Nearly everything in this home has been recently updated. Roof, AC, Water Heater and Hurricane impact windows are all 5 years old. Inside, the home offers an open floor plan with cathedral ceilings and 1,064 square feet of professionally

  Caroline Hanna CHARLES RUTENBERG REALTY INC

  3409 Vidal St, New Port Richey, FL 34655
• 

  

  /8

  $334,990 New Construction

  • 3 Beds
  • 2.5 Baths
  • 2,107 Sq Ft

  Plan 2107 at River Run - I, Zephyrhills, FL 33540

  * Low-E windows * Open floor plan * Walk-in closet at all bedrooms * Moen WaterSense labeled faucets * Whirlpool appliance package * Smart thermostat * Split-bedroom layout * Spacious great room * Kitchen USB charging port * Loft * Spacious laundry room * ENERGY STAR certified home * Oversized homesites * Commuter-friendly location * Near popular restaurants * Great shopping nearby * Close to

  KB Home Builder

  37409 Alleghany Ln Unit 36514199, Zephyrhills, FL 33540
• 

  

  /45

  $324,900

  • 2 Beds
  • 1.5 Baths
  • 1,104 Sq Ft

  4462 Rudder Way, New Port Richey, FL 34652

  Live the Florida lifestyle in the highly sought-after waterfront community of Gulf Harbors—a private beach community located directly on the Gulf of Mexico. Residents also enjoy a brand-new walking, jogging, and pet-friendly park, along with the unique charm of a true boating and golf cart community. This home offers an inviting open floor plan featuring a spacious living room that flows into the

  Chad Karr KELLER WILLIAMS REALTY SMART

  4462 Rudder Way, New Port Richey, FL 34652
• 

  

  /20

  $311,990 New Construction

  • 3 Beds
  • 2.5 Baths
  • 1,666 Sq Ft

  St. Thomas II Plan at Twinflowers - The Town Estates, Wesley Chapel, FL 33545

  Luxury is in the details of this charming two-story townhome. The first floor enjoys an airy design among the spacious living room, kitchen and dining room, opening to the covered patio for serene outdoor moments. Upstairs, an adaptable central loft leads to two secondary bedrooms and the tranquil owner’s suite. The owner’s suite is in a privately situated corner, showcasing a full-sized bathroom

  Lennar Builder

  10013 Allendale St Unit 37828561, Wesley Chapel, FL 33545
• 

  

  /34

  $375,000

  • 3 Beds
  • 2 Baths
  • 1,858 Sq Ft

  5200 Culpepper Place, Wesley Chapel, FL 33544

  Welcome to this beautifully maintained 3-bedroom, 2-bath home in the sought-after community of Lexington Oaks. BRAND NEW ROOF installed in Dec. 2025. The updated kitchen features granite countertops and ample cabinetry, opening to a charming family room with large sliders that frame serene conservation views. Tile floors and beautiful crown molding flows thru the home, adding style and

  Stacey Handman RE/MAX PREMIER GROUP

  5200 Culpepper Place, Wesley Chapel, FL 33544
• 

  /2

  $350,000

  • Land
  • 0.94 Acre
  • $372,340 per Acre

  7040 Jefferson St, New Port Richey, FL 34652

  This is a Beautiful Commercial lot for sale. New Port Richey currently do not have too many land parcel for sale at the moment. The buyer need to verify all the details o

  Sreekanthred Alla SIMP REALTY GROUP LLC

  7040 Jefferson St, New Port Richey, FL 34652
• 

  

  /39

  $329,900

  • 3 Beds
  • 2.5 Baths
  • 1,673 Sq Ft

  2831 Suncoast Blend Dr, Odessa, FL 33556

  Welcome to this move-in ready 3 bed, 2.5 bath townhouse in the highly desirable Preserve community of Odessa. Built in 2019, this home offers a clean, open layout with a spacious kitchen, bright living and dining areas, and a covered lanai perfect for relaxing or entertaining. Upstairs features a comfortable primary suite with ensuite bath, two additional bedrooms, a full bathroom, and a

  Stephanie Cruz PRIME REALTY OF FL LLC

  2831 Suncoast Blend Dr, Odessa, FL 33556
• 

  

  /15

  $354,140 New Construction

  • 2 Beds
  • 2 Baths
  • 1,616 Sq Ft

  31683 Splash Island, San Antonio, FL 33576

  This comfortable single-story home includes a versatile flex room and an open floorplan with a well-equipped kitchen, and shared dining and family room down the hall. The attached patio offers indoor-outdoor living experiences, while the nearby owner’s suite is a private oasis with an en-suite bathroom. Plus, this home includes a convenient storage space for a golf cart or other recreational

  Lennar Builder

  31683 Splash Island, San Antonio, FL 33576
• 

  

  /21

  $300,990 New Construction

  • 3 Beds
  • 2.5 Baths
  • 1,464 Sq Ft

  Pearson B Plan at Woodcreek - Townhomes, Wesley Chapel, FL 33543

  This two-story, all-concrete block constructed connected town home features 3 bedrooms, 2.5 bathrooms and a one car garage. As you enter into the foyer you are greeted with the wide hallway guiding you to the main living area and kitchen, or up the stairs to the bedrooms. The open kitchen overlooks the living area, dining, and sliding glass doors out to the back lanai. Upstairs is the living

  D.R. Horton Builder

  2367 Warren Acres Blvd Unit 37048441, Wesley Chapel, FL 33543
• 

  

  /15

  $371,999 New Construction

  • 4 Beds
  • 2.5 Baths
  • 2,143 Sq Ft

  13470 Tropical Breeze Way, Hudson, FL 34669

  Welcome to the Redbud at 13470 Tropical Breeze Way in Palm Wind. This new floor plan offers spacious, flexible living with room to grow. The main level features a wide-open layout, where the kitchen flows into the casual dining area and great room—perfect for everyday living or entertaining. Sliding glass doors off the dining space lead to a backyard patio for easy indoor-outdoor connection. An

  Taylor Morrison Builder

  13470 Tropical Breeze Way, Hudson, FL 34669
• 

  

  /21

  $370,060 New Construction

  • 4 Beds
  • 2.5 Baths
  • 2,466 Sq Ft

  Verona Plan at Mirada - The Town Executives, San Antonio, FL 33576

  The largest plan in this collection showcases a modern open-concept floorplan on the first floor among the kitchen, family room, dining room and patio. Upstairs, a loft leads to two bedrooms and the comfortable owner’s suite, while a bonus room can become an extra bedroom, study or office space.

  Lennar Builder

  32076 Pop Ash Place Unit 36039277, San Antonio, FL 33576
• 

  

  /22

  $378,200 New Construction

  • 4 Beds
  • 2 Baths
  • 1,870 Sq Ft

  6358 Porch Light Dr, New Port Richey, FL 34655

  This spacious two-story home features a contemporary open floorplan among the kitchen, living room and dining room on the first floor, perfect for hosting guests. The second floor contains a versatile loft that can double as a media room, as well as all four bedrooms, including an expansive owner’s suite with a lavish private bathroom.

  Lennar Builder

  6358 Porch Light Dr, New Port Richey, FL 34655
• 

  

  /25

  $350,000

  • 3 Beds
  • 2 Baths
  • 1,608 Sq Ft

  7104 King Arthur Dr, Port Richey, FL 34668

  This beautiful property in the Port Richey area features three bedrooms, two bathrooms, and 1,608 square feet of air-conditioned living space. With a total of over 2,100 square feet, this home offers ample room to live and entertain. The property also boasts a refreshing pool and is fully remodeled to meet your modern lifestyle needs.

  Estefani Diego FENIX HOME REALTY LLC

  7104 King Arthur Dr, Port Richey, FL 34668
• 

  

  /16

  $310,990 New Construction

  • 3 Beds
  • 2.5 Baths
  • 1,673 Sq Ft

  11020 Crescent Deer Dr, Land O' Lakes, FL 34638

  Under Construction. The builder is offering buyers up to $25,000 towards closing costs with the use of a preferred lender and title company. Located just off SR-52 with easy access to the Suncoast Parkway, Angeline is ideally situated for quick commutes to Tampa and nearby areas. This 6,200-acre master-planned community offers the perfect combination of natural beauty, modern living, and

  Jodi Smenda D R HORTON REALTY OF TAMPA LLC

  11020 Crescent Deer Dr, Land O' Lakes, FL 34638
• 

  

  /44

  $375,000 Open Sun 2PM - 4PM

  • 3 Beds
  • 2 Baths
  • 1,579 Sq Ft

  7818 Fashion Loop, New Port Richey, FL 34654

  ONE OWNER OF THIS WELL-LOVED HOME. Discover comfort, space, and convenience. Step inside to find all-in-one living and dining rooms, perfect for hosting family and friends. The heart of the home flows seamlessly into the outdoor oasis with a stunning inground pool, inviting families and investors to envision leisure and entertainment. POOL HOME WITH PAVERS ALL AROUND, POOL PUMP IS NEW IN 2023.

  Sharon Raymo DALTON WADE INC

  7818 Fashion Loop, New Port Richey, FL 34654
• 

  /2

  $309,990 New Construction

  • 3 Beds
  • 2 Baths
  • 1,739 Sq Ft

  12316 Great Basin Dr, Hudson, FL 34669

  Pre-Construction. To be built. The builder is offering buyers up to $25,000 towards closing costs with the use of a preferred lender and title company. Brighton Park, a premier new home community located in Hudson, FL, in beautiful Pasco County. This community offers modern single-family homes designed for today’s lifestyle, with convenient access to major highways such as US-19 and SR-52.

  Jodi Smenda D R HORTON REALTY OF TAMPA LLC

  12316 Great Basin Dr, Hudson, FL 34669
• 

  

  /13

  $344,990 New Construction

  • 2 Beds
  • 2.5 Baths
  • 1,747 Sq Ft

  Aurora II* Plan at Medley at Mirada - Active Adult Lagoon Villas, San Antonio, FL 33576

  The collection’s largest home offers two-stories of intentional design. The two-car garage leads to the first level’s open floorplan, which includes the kitchen, dining room and family room with a covered patio for outdoor entertaining. Nearby, the owner’s suite features a spa-like private bathroom. Upstairs is a versatile loft space and a convenient guest bedroom. Plus, this home includes a

  Lennar Builder

  31800 Cannon Rush Dr Unit 36111972, San Antonio, FL 33576
• 

  

  /28

  $350,000

  • 3 Beds
  • 2 Baths
  • 1,426 Sq Ft

  37321 Hickory Hill Ln, Dade City, FL 33525

  This home blends comfort with timeless southern style! Welcome to this inviting home nestled in the highly desirable Hickory Hill Acres. This beautifully maintained property offers 3 bedrooms, 2 baths, an oversized 2 car garage, and a newly screened-in pool lanai- perfect for enjoying Florida living year round. Step inside and feel as though you've walked into the pages of a Southern Living

  Jami Frazier, PA Southern Coast to Country Rlty

  37321 Hickory Hill Ln, Dade City, FL 33525
• 

  

  /26

  $369,000

  • 3 Beds
  • 2 Baths
  • 1,492 Sq Ft

  4323 5th St, Zephyrhills, FL 33542

  You don't have to worry about opening your window and being able to touch your neighbor! This double corner lot is a little more than a half-acre and has just what you have been looking for. This 3 bedroom, 2 bath home has a one car attached garage with separate laundry room. As you walk through the front door the laminate flooring will catch your eye. The laminate flooring extends into the

  Carolyn Krug COLDWELL BANKER AQUATERRA REALTY

  4323 5th St, Zephyrhills, FL 33542
• 

  

  /51

  $339,900

  • 3 Beds
  • 2 Baths
  • 1,698 Sq Ft

  8149 Ambersweet Place, Land O Lakes, FL 34637

  NEW IMPROVED PRICE! Welcome to this warm and lovely home situated on a Cul de Sac with no through traffic. The Groves Golf & Country Club is an active 55+, Gated, Retirement Community. With almost 1700 sq ft, 3 bedrooms, 2 baths, 2 car garage and a GOLF CART GARAGE and a large, screened lanai. Living Room/Dining Room, Master Bedroom Suite have been freshly painted! Warm Laminate flooring

  Alice Estey EXCEPTIONAL REAL ESTATE

  8149 Ambersweet Place, Land O Lakes, FL 34637
• 

  

  /75

  $319,900

  • 3 Beds
  • 2 Baths
  • 1,963 Sq Ft

  11408 Alden Ct, Hudson, FL 34667

  Welcome to this beautifully maintained home offering bright, open living in one of Florida’s most sought-after active adultcommunities. The light-filled interior features soft neutral tones, an open-concept layout, and a split-bedroom design that providescomfort and privacy. The spacious great room flows effortlessly into the kitchen—perfect for entertaining. The kitchen features

  Nellie Bennetti RE/MAX SUNSET REALTY

  11408 Alden Ct, Hudson, FL 34667
• 

  

  /48

  $328,000

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

  5041 Prairie View Way, Wesley Chapel, FL 33545

  Appraisal completed January 2026!!! Welcome to New River Lakes in highly sought after Wesley Chapel. This beautifully remodeled and move in ready home is available for a quick closing and offers 3 bedrooms, 2 baths, 2 car garage, large oversized homesite with conservation view and a screened/covered lanai. The spacious great room is open to the kitchen making entertaining easy. The kitchen

  Keica St. Romain ADVANTAGE REAL ESTATE SERVICES

  5041 Prairie View Way, Wesley Chapel, FL 33545
• 

  

  /15

  $354,340 New Construction

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

  17819 Acorn Drop Rd, Land O' Lakes, FL 34638

  Under Construction. The builder is offering buyers up to $25,000 towards closing costs with the use of a preferred lender and title company. At 6,200 acres, Angeline is truly a City in the Making. Among 3,600 acres of green space, plans include Pasco County’s first community farm, a future 130-acre regional park, an extensive trail network of close to 100 miles combined, a future Town Center, and

  Jodi Smenda D R HORTON REALTY OF TAMPA LLC

  17819 Acorn Drop Rd, Land O' Lakes, FL 34638
• 

  /2

  $397,460 New Construction

  • 3 Beds
  • 2.5 Baths
  • 1,964 Sq Ft

  1786 Brekey Way, Zephyrhills, FL 33541

  Use the Redwood's loft as a dedicated office or homework space. Catch up on the day's events while preparing dinner in the open kitchen that overlooks the great room, dining area. The powder bath is perfect for guests.

  Meritage Homes Builder

  1786 Brekey Way, Zephyrhills, FL 33541
• 

  

  /24

  $309,600 New Construction

  • 3 Beds
  • 2 Baths
  • 1,720 Sq Ft

  13322 Ogden Glade Rd, Dade City, FL 33525

  50K Price Adjustment! Welcome to the Adams Homes 1720 floorplan in Abbey Glen. This beautifully designed home offers the perfect blend of modern finishes, open-concept living, and exceptional value. Featuring a welcoming Craftsman-style Elevation B with flush landscaping, the exterior is complemented by a full-yard irrigation system for easy maintenance. Step inside through the foyer into an

  Tamika Paul ADAMS HOMES REALTY,INC.

  13322 Ogden Glade Rd, Dade City, FL 33525
• 

  

  /41

  $345,000

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

  19043 New Passage Blvd, Land O Lakes, FL 34638

  This spacious single-family home is located in the Asbel Creek community and offers a functional layout with generous living areas. The interior features high ceilings, an open great room, and a well-sized kitchen with eat-in space, making it ideal for everyday living and entertaining. Enjoy lakefrontage and water views from the outdoor patio, adding to the home’s appeal. Conveniently situated

  Eva Hockenberry MAINSTAY BROKERAGE LLC

  19043 New Passage Blvd, Land O Lakes, FL 34638
• 

  

  /22

  $398,990 New Construction

  • 3 Beds
  • 2 Baths
  • 2,161 Sq Ft

  6441 Excursion Ln, New Port Richey, FL 34655

  This new two-story home is ready for the way families live today. A versatile flex space at the foyer is perfect for a home office or studio, while an open-concept layout blends the kitchen, living and dining areas with easy access to an inviting lanai, ready for outdoor entertainment and more. All three bedrooms can be found on the second floor, including a lavish owner’s suite that offers

  Lennar Builder

  6441 Excursion Ln, New Port Richey, FL 34655
• 

  

  /27

  $325,000

  • 3 Beds
  • 2.5 Baths
  • 1,634 Sq Ft

  6144 Shiner St, Land O' Lakes, FL 34638

  Welcome to The Towns of Lake Thomas! This charming 3-bedroom, 2.5-bathroom townhome offers low-maintenance living in one of Land O’ Lakes’ most desirable communities. The open floor plan features a spacious living and dining area, a well-appointed kitchen with plenty of counter space, and a convenient half bath on the main level. Upstairs, you’ll find three comfortable bedrooms, including a

  Gina Delgado PEOPLE'S CHOICE REALTY SVC LLC

  6144 Shiner St, Land O' Lakes, FL 34638
• 

  

  /32

  $390,000

  • 3 Beds
  • 2 Baths
  • 1,464 Sq Ft

  39349 Comstock Ln, Zephyrhills, FL 33540

  Private Oasis on 1.06 Acres – 3 Bedroom, 2 Bath Home with a large detached 3-Car Garage! Buyers, this home is eligible for over $19,000 in down payment assistance! Contact the listing agent for details! Welcome to Your Florida Home at 39349 Comstock Lane, a move-in ready gem offering modern updates, privacy, and freedom with no HOA or deed restrictions. It sits on a fully fenced 1.06-acre lot,

  Juan Rodriguez EXP REALTY LLC

  39349 Comstock Ln, Zephyrhills, FL 33540
• 

  

  /36

  $370,000 Open Thu 8AM - 7PM

  • 3 Beds
  • 2 Baths
  • 1,622 Sq Ft

  5511 Drinkard Dr, New Port Richey, FL 34653

  One or more photo(s) has been virtually staged. Welcome to this beautifully renovated waterfront home with gulf access! A fireplace and a soft neutral color palette create a solid blank canvas for the living area boasting fresh paint and new flooring. Step into the remodeled kitchen, complete with stone counter tops, stainless steel appliances and an eye catching stylish backsplash. The covered

  Karen Albright OPENDOOR BROKERAGE LLC

  5511 Drinkard Dr, New Port Richey, FL 34653
• 

  $362,990 New Construction

  • 3 Beds
  • 2 Baths
  • 1,615 Sq Ft

  34698 Blossom Fall Path, Pasadena Hills, FL 33525

  Feel at home with the Magenta, a single-story home with 3 bedrooms, 2 bathrooms, and a 2-car garage. This layout is a true gem, seamlessly blending modern comfort with Florida charm. Open concept living dazzles with luxury vinyl plank flooring throughout the main living areas. The kitchen, featuring quartz countertops, new stainless-steel appliances and ample storage overlooks the dining and

  Casa Fresca Homes Builder

  34698 Blossom Fall Path, Pasadena Hills, FL 33525

Showing Results 481 - 520, Page 13 of 18