537

Houses for Sale near Little Flower Catholic School

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  • /63

    $1,450,000

    • 5 Beds
    • 4 Baths
    • 3,597 Sq Ft

    2322 Athens Ave, Pensacola, FL 32507

    Searching for a Custom Waterfront Home Secluded by the Water in the Trees? Well, wait no more - you have found it here! This Beautiful Home sits on almost an acre of land and sits Majestically by the Waters Edge. The Grounds here are amazing and so many possibilities! Have a Garden, Bring your Boat, Water Toys, RV, whatever your heart desires! Plenty of Room Here. Step inside to an Elegant

    Deborah Freed LPT Realty

    2322 Athens Ave, Pensacola, FL 32507
  • /71

    $750,000

    • 3 Beds
    • 3 Baths
    • 2,898 Sq Ft

    3085 Robertson Rd, Pensacola, FL 32507

    Welcome to your dream waterfront retreat on Bayou Grande. This Property is move in ready and waiting for its new owners. This stunning 2,898 sq.ft. home features two bedrooms and two bathrooms in the main house, with tile throughout for a seamless look. The home office is off of the kitchen overlooking the Bayou. Enjoy the breathtaking water views and sunsets from the spacious sunroom, where

    Amanda Bacchieri Real Broker, LLC

    3085 Robertson Rd, Pensacola, FL 32507
  • /7

    $105,000

    • 1 Bed
    • 1 Bath
    • 1,204 Sq Ft

    807 Tyrone St, Pensacola, FL 32507

    Quiet lot with home situated next to Corry Station. This Development or Investor Opportunity is on a large 1.55 acre lot. This property MDR Property consists of two parcels. The house is sealed and dry with no leaks, but currently has no power, HVAC, or finished plumbing fixtures or kitchen. Interior has been gutted. Wooded area consists of .84 acres. and .71 acres where the house sits is

    Daniel Hua Alliance Real Estate

    807 Tyrone St, Pensacola, FL 32507
  • /46

    $490,000

    • 4 Beds
    • 4.5 Baths
    • 2,256 Sq Ft

    277 Seamarge Ln, Pensacola, FL 32507

    Discover this beautiful French-influenced home, built in 2022, located just minutes from Downtown, NAS Pensacola, and Pensacola Country Club. Offering 4 bedrooms, 4 full baths, and 1 half bath across 2,256 sqft, this home features 9-foot ceilings and thoughtful design throughout. The home is wired with Cat6 data cables throughout which allows for larger internet bandwith. The landscaped front

    Dione Dunn Levin Rinke Realty

    277 Seamarge Ln, Pensacola, FL 32507
  • /14

    $149,500

    • 3 Beds
    • 1 Bath
    • 942 Sq Ft

    303 Yoakum Ct, Pensacola, FL 32505

    Charming 3-bedroom home with renovation potential on a fenced lot. Features a covered patio and 942 square feet of possibility. Perfect for investors seeking rental income. Enjoy nearby Springdale Park for outdoor fun. This cozy property awaits your personal touch in a convenient Pensacola location! MSTU Zoning

    Dustan Weekley TEAM SANDY BLANTON REALTY, INC

    303 Yoakum Ct, Pensacola, FL 32505
  • /17

    $214,900

    • 2 Beds
    • 2 Baths
    • 1,365 Sq Ft

    5767 Avondale Rd, Bellview, FL 32526

    Beautiful new construction cottage situated in Avondale subdivision. This open concept home features, luxury vinyl plank through out, led lighting, ceiling fan in living room and both bedrooms. The kitchen features custom wood cabinets with crown molding, granite countertops, energy star rated stainless steel appliances, stove, dish washer, and built in microwave. Large laundry room which allow

    Derek Brown ERA American Real Estate

    5767 Avondale Rd, Bellview, FL 32526
  • /24

    $234,000

    • 2 Beds
    • 2 Baths
    • 1,060 Sq Ft

    553 S 1st St, Pensacola, FL 32507

    INVESTORS. Freshly updated cottage close to the main gate at NAS Pensacola. Enjoy the beautiful hardwood floors in this 2 bed/2 bath home with a large bonus room. Large screen porch in the back. The home also boasts a large workshop, fenced yard, and plenty of parking. This bright and cheerful home is also just blocks away from Citvitan Park on Davenport Bayou. Quiet neighborhood, Home of the

    Doug Addeo COMMUNITY REALTY ASSOCIATES

    553 S 1st St, Pensacola, FL 32507
  • /19

    $169,900

    • 3 Beds
    • 1 Bath
    • 1,328 Sq Ft

    915 Twinbrook Ave, Pensacola, FL 32505

    Don't pass up this 3bedroom complete with a large BONUS room with private entrance. Perfect for someone wanting extra space for family, a small business and more! The back yard is large, fully fenced and perfect for your little pet! This home needs just a little TLC and is ready to move in! Schedule your showing today! Roof and water are believed to be 5 years old.

    Eric Gleaton ERIC GLEATON REALTY, INC

    915 Twinbrook Ave, Pensacola, FL 32505
  • /28

    $195,000

    • 3 Beds
    • 2 Baths
    • 1,352 Sq Ft

    1505 N K St, Pensacola, FL 32501

    Step into this wonderfully renovated all-brick home. Situated in the close proximity to downtown Pensacola! Sitting on a spacious lot, this home seamlessly blends classic character with modern updates to give you the best of both worlds. Recent upgrades ensure style, comfort, and efficiency, including brand-new flooring throughout, a new HVAC system to keep you comfortable year-round, and a new

    Anthony Mazzurco Kuhn Realty

    1505 N K St, Pensacola, FL 32501
  • /27

    $199,000

    • 3 Beds
    • 1 Bath
    • 1,512 Sq Ft

    8516 Gulf Beach Hwy, Pensacola, FL 32507

    Great location close to downtown Pensacola and Perdido on Gulf Beach Hwy. 1.53 acres of land zoned for both commercial and residential use. Existing 1,512 sqft home needs a lot of attention, but best use is for commercial use and/or development. Flat, open parcel with tons of potential. Current use is to store boats, toys, etc. for owners personal use and enjoyment. Beautiful, private property

    David Bushing Voyage Real Estate LLC

    8516 Gulf Beach Hwy, Pensacola, FL 32507
  • /23

    $228,000

    • 2 Beds
    • 1 Bath
    • 970 Sq Ft

    115 Milton Rd, Pensacola, FL 32507

    PRICE IMPROVEMENT | Motivated Seller - Bright and spacious Renovated 2-Bedroom Cottage with Large Yard near Country Club & BeachDiscover this beautifully updated 2-bedroom, 1-bath cottage in the desirable Aero Vista neighborhood—fully renovated, fully furnished, and 100% move-in or rental ready! With a smart, open-concept layout and thoughtfully designed spaces, this home blends timeless charm

    Green Beret Group Keller Williams Realty FWB

    115 Milton Rd, Pensacola, FL 32507
  • /27

    $110,000

    • 3 Beds
    • 1 Bath
    • 1,412 Sq Ft

    203 Opal Ave, Pensacola, FL 32505

    Calling all investors! This 3-bedroom, 1-bathroom home with 1,412 sqft of potential is waiting for your vision. Located on a spacious .21-acre lot, this property offers an excellent opportunity for those seeking a rewarding fix-and-flip or a valuable addition to a rental portfolio. Benefit from recent updates, including a one year old roof and reliable utilities, providing a solid foundation for

    Bradley Corr Nexthome Alpha

    203 Opal Ave, Pensacola, FL 32505
  • /22

    $209,000

    • 3 Beds
    • 1 Bath
    • 1,124 Sq Ft

    808 Mills Ave, Pensacola, FL 32507

    Discover this beautifully updated 3-bedroom, 1-bath home located just one mile from the Navy Point boat ramp—a dream for boating and outdoor enthusiasts! Situated on a large lot with no HOA, this property offers space and freedom to make it your own. Step inside to find new laminate flooring, newer windows throughout, and a bright Florida room with new tile. The bathroom has been stylishly

    Jennifer Giles Realty One Group Emerald Coast

    808 Mills Ave, Pensacola, FL 32507
  • /23

    $258,900

    • 3 Beds
    • 2 Baths
    • 1,626 Sq Ft

    7091 Wymart Rd, Pensacola, FL 32526

    Welcome to 7091 Wymart Rd. – a move-in-ready all-brick ranch-style home offering comfort, quality, and convenience in a peaceful, wooded setting. This 3-bedroom, 2-bathroom gem is ready for its next chapter. A bright, open floor plan with versatile tile flooring throughout the main living areas. The spacious living room features a raised brick hearth with a cozy wood-burning fireplace—a perfect

    Jonathon Mansmann Dalton Wade, Inc.

    7091 Wymart Rd, Pensacola, FL 32526
  • /24

    $238,900

    • 3 Beds
    • 2 Baths
    • 1,340 Sq Ft

    914 N 58th Ave, Pensacola, FL 32506

    Move-In Ready! Stunning Home Fully Furnished with Negotiable Furniture:This completely remodeled charming single-family home is located at 914 N 58th Ave in Pensacola, FL. Built in 1940 and exudes character and history. Boasting 3 bedrooms and 2 full bathrooms and a total finished area of 1,340 square feet, this home provides ample space for comfortable living. Situated on a spacious lot

    Moe Mossa Savvy Avenue, LLC

    914 N 58th Ave, Pensacola, FL 32506
  • /15

    $244,000

    • 3 Beds
    • 2 Baths
    • 1,440 Sq Ft

    1614 Galvin Ave, Pensacola, FL 32526

    Back on market at NO fault of sellers. NO HOA! Welcome to Springdale Forest! This charming 3 bedroom 2 bath home is tucked away just minutes from the Pensacola Fairgrounds and is ready for its new owner. The home is well maintained and would be the perfect house for a first time home buyer, or just someone looking to relocate to the area. This home boasts a split floor plan, a large living room,

    Cale Myrick Waters Edge Realty

    1614 Galvin Ave, Pensacola, FL 32526
  • /12

    $125,000

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

    4421 W Jackson St, Pensacola, FL 32506

    Great property located in a commercial zone according to the property assessors office. Marked as residential. Do a total rehab, or demo it and build what you want! Large lot, partially fenced- front and sides, this property can go so many different ways. Appliances stay. Current survey in hand .

    Barbara Hobbs RE/MAX GULF PROPERTIES

    4421 W Jackson St, Pensacola, FL 32506
  • /33

    $320,000

    • 4 Beds
    • 2 Baths
    • 2,238 Sq Ft

    3216 Tallship Ln, Pensacola, FL 32526

    REDUCED and a NEW ROOF! This spacious 4-bedroom, 2-bathroom home is move-in ready and awaiting your personal touch! As you step into the large, welcoming foyer, you'll be greeted by soaring cathedral ceilings and beautiful wood flooring that extends throughout the main living areas. The kitchen is both functional and charming, with an eat-in space, a natural gas stove, and ample countertop space

    JIM SUMMERS Pensacola Househunters, LLC

    3216 Tallship Ln, Pensacola, FL 32526
  • /70

    $730,000

    • 4 Beds
    • 4 Baths
    • 4,039 Sq Ft

    5080 Pine Hollow Dr, Pensacola, FL 32505

    ** $50,000 PRICE DROP ** Luxurious Lakefront Living with Lifetime Golf Privileges! Nestled in the prestigious Marcus Pointe community, this exquisite custom-built lakefront estate offers a rare blend of elegance, comfort, and resort-style amenities. Boasting panoramic water views from nearly every room, this home welcomes you with a grand circular driveway, lush landscaping, and timeless brick

    ROBERT HAND KELLER WILLIAMS REALTY GULF COAST

    5080 Pine Hollow Dr, Pensacola, FL 32505
  • /37

    $395,000

    • 3 Beds
    • 2 Baths
    • 1,637 Sq Ft

    6 Cousineau Rd, Pensacola, FL 32507

    Welcome to your new home in the beautiful waterfront community of Navy Point! With all the charm of a vintage cottage, but all the luxuries of new construction, this property is a rare find with 3 bedrooms, 2 baths, formal living and dining rooms, fabulous custom kitchen with the most up to date appliances. Huge family room with built in cabinets. This property has been completely renovated

    Brenda Bischoff Nexthome Momentum Realty

    6 Cousineau Rd, Pensacola, FL 32507
  • /20

    $374,900

    • 4 Beds
    • 3 Baths
    • 2,484 Sq Ft

    10827 Berryhill Rd, Pensacola, FL 32506

    GREAT neighborhood, great house! New Roof 2021, New garage door in 2018, new garage door springs 2024, Popcorn ceilings removed 2021, New HVAC and Carpet (the only carpet is in primary bedroom) 2020, Wood fireplace with waterfall, New windows in '13-'14, All new doors and flooring in '15, Totally rewired and added a generator with switch box in 2021. This wonderful home sports two separate

    Dana Tapia RE/MAX OF ORANGE BEACH

    10827 Berryhill Rd, Pensacola, FL 32506
  • /43

    $200,000

    • 2 Beds
    • 2 Baths
    • 928 Sq Ft

    3076 Flintlock Dr, Pensacola, FL 32526

    Improved Pricing! Motivated! See link for the TOUR of home. Springfield Subdivision. Built in 2003 but the Effective year is 2010. Just 10 minutes from Navy Federal! Interior completely repainted 2025, All new Stainless Steel appliances 2025, Bedrooms NEW Carpet, and Professionally Cleaned. This two bedroom has been well kept Covered back patio with attached utility closet. PRICED TO SELL!

    Patricia Ramirez Engel & Volkers Pensacola

    3076 Flintlock Dr, Pensacola, FL 32526
  • /9

    $145,000

    • 3 Beds
    • 1 Bath
    • 1,085 Sq Ft

    5107 Burlington Ave, Pensacola, FL 32505

    Exceptional Investment Opportunity – 5107 Burlington Ave, Pensacola, FL Discover the potential of 5107 Burlington Ave, an investor’s dream nestled in the heart of Pensacola. This charming 3-bedroom, 1-bath home sits on a spacious .22-acre lot, providing ample opportunities for customization and expansion. Step inside to a well-designed floor plan featuring a generous living room, ideal for

    NERISSA BATES LPT Realty

    5107 Burlington Ave, Pensacola, FL 32505
  • /39

    $242,000

    • 3 Beds
    • 2 Baths
    • 1,250 Sq Ft

    6550 Bellview Pines Rd, Pensacola, FL 32526

    New Roof. New Water Heater. Ready for you. 2 Separate garages, Screened Porch. Amazing Ranch style home ready to move into immediately. New paint. Newly remodeled kitchen, and bathrooms. Huge fireplace with brick hearth. Updated fans and lighting in the home. Very spacious and an amazing back yard with your own screened in porch. Garage has ac unit so you can work in the cool during the summer.

    Joshua Deason Gulf Real Estate Group, LLC

    6550 Bellview Pines Rd, Pensacola, FL 32526
  • /17

    $149,900

    • 2 Beds
    • 1 Bath
    • 774 Sq Ft

    2402 W Blount St, Pensacola, FL 32505

    *READY FOR VIEWINGS - CLOSING COST ASSISTANCE & RENT TO OWN OPTIONS ARE AVAILABLE* Allows easy purchase for owner occupants and investors alike. Adorable fully remodeled home less than three miles from Downtown Pensacola! New mini-split AC units to cool and heat the home, wood-look flooring, fresh paint throughout! Kitchen with brand new granite countertops, modern cabinets, subway backsplash and

    MADISON WILLIAMS Hanban Real Estate LLC

    2402 W Blount St, Pensacola, FL 32505
  • /29

    $174,000

    • 2 Beds
    • 1 Bath
    • 712 Sq Ft

    507 Pelham Rd, Pensacola, FL 32507

    Step into a beautifully revitalized 2-bedroom, 1-bathroom cottage, offering a perfect blend of modern upgrades and timeless charm. Thoughtfully renovated with attention to every detail, this home boasts fresh paint, a reinforced sub-floor, and a fully updated electrical system—ensuring both comfort and peace of mind. Property has room for an ADU as well! Whether you're looking for a cozy

    Christina Leavenworth Levin Rinke Realty

    507 Pelham Rd, Pensacola, FL 32507
  • /46

    $165,000

    • 3 Beds
    • 2 Baths
    • 1,592 Sq Ft

    1005 Revere Dr, Pensacola, FL 32505

    *** $10K IN SELLER CONCESSIONS*** This 3-bedroom, 2-bathroom home features a 2022 tankless water heater, and a 0.21-acre lot. Enjoy the extended family room, perfect for added comfort and entertainment. An ADDITIONAL living space off the side of the house is already AC-ventilated and can be converted into a rental unit for extra income. Plus, the spacious laundry room provides the potential to

    ADRIANA FOSTER Coldwell Banker Realty

    1005 Revere Dr, Pensacola, FL 32505
  • /26

    $310,000 Open Mon 4PM - 6PM

    • 3 Beds
    • 2 Baths
    • 1,900 Sq Ft

    315 Teakwood Cir, Pensacola, FL 32506

    NEW PRICE, Must see this lovingly maintained Custom Brick 3 Bdrm/2Bth wonderful home in the quaint neighborhood of Twin Oaks with Gorgeous Southern Oaks welcoming you home. See the Blue Angels Fly over with this Centrally located, minutes to NAS, Corry Station, VA hospital, downtown Pensacola's Blue Wahoo's and all the restaurants you'd want, and 25 min to the famous white sands of Pensacola

    RITA MACKIE HOARD PROPERTIES, LLC

    315 Teakwood Cir, Pensacola, FL 32506
  • /13

    $295,000

    • 3 Beds
    • 2 Baths
    • 1,742 Sq Ft

    638 Wild Heron Way, Pensacola, FL 32506

    Great opportunity for a handy homeowner! Home is priced 60k below market value with cost of repairs in mind! Home needs some TLC but has awesome potential with mostly hard surfaces, such as granite countertops & tile floors in main living areas. Contractors welcome to inspect or give estimates!You will also find a 2 car garage, an adorable front porch, and back porch with a privacy fence

    Rachel Faboye DeFuniak Realty LLC

    638 Wild Heron Way, Pensacola, FL 32506
  • /17

    $159,000

    • 3 Beds
    • 1.5 Baths
    • 1,020 Sq Ft

    3203 W Jackson St, Pensacola, FL 32505

    Cute 3 bedroom renovated cottage close to downtown. Great for first time home buyer or investment opportunity. Nice sized fenced in back yard, and deck.

    Don Huntley Gulf Coast Property Management, Co., Inc.

    3203 W Jackson St, Pensacola, FL 32505
  • /41

    $319,900

    • 3 Beds
    • 2 Baths
    • 1,404 Sq Ft

    407 Pou Station Rd, Pensacola, FL 32507

    Price Improvement!! Built in 2023 this Beautiful 3br/2ba is nestled near the quiet waterfront community surrounding NAS Pensacola. Enjoy the benefits at Navy Point Park with tree-lined walking, running, biking paths and public boat launch. Only minutes from our bustling downtown area and our beautiful sandy beaches this fabulous location would make the perfect Airbnb or family home. With plenty

    Denise White Gulf Real Estate Group, LLC

    407 Pou Station Rd, Pensacola, FL 32507
  • /38

    $249,900

    • 2 Beds
    • 1 Bath
    • 1,093 Sq Ft

    5 Greve Ct, Pensacola, FL 32507

    NEW ROOF & WINDOWS! Welcome to 5 Greve Ct.—a charming 2-bedroom, 1-bath cottage located on a peaceful cul-de-sac in the coveted waterfront community of Navy Point. This delightful home features a sunny entryway, hardwood floors in the living, dining, and bedrooms, an updated bathroom with tile, and new LVP flooring in the kitchen and utility room. Major upgrades include a new furnace (2019) and a

    Holly Jo Patterson Levin Rinke Realty

    5 Greve Ct, Pensacola, FL 32507
  • /30

    $215,000

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

    7841 Lenora Ct, Pensacola, FL 32526

    Welcome to 7841 Lenora Ct, a well-kept 3-bedroom, 2-bathroom home on a tranquil cul-de-sac in Pensacola. This home is move-in ready with recent updates, making it a great choice for first-time buyers, small families, or investors. Updates include new flooring, fresh paint, new windows and doors, and a roof. Inside, you'll find fresh paint and updated flooring in the main areas. The

    Cora Rasmussen Realty ONE Group Emerald Coast

    7841 Lenora Ct, Pensacola, FL 32526
  • /71

    $558,000

    • 3 Beds
    • 2.5 Baths
    • 1,806 Sq Ft

    9553 Daisy Ln Unit 5A, Pensacola, FL 32507

    WATERFRONT Creole cottage featuring 2 spacious waterfront ensuites - one downstairs and one upstairs. Enjoy evenings out back courtesy of the expansive composite deck with 12-volt lights leading to your private dock. Short trip big water access from Bayou Grande and Pensacola Bay to the pass between Ft Pickens & NAS Pensacola to the Gulf of Mexico. The warm and inviting kitchen has newer

    CYNTHIA SPENCE Connell & Company Realty Inc.

    9553 Daisy Ln Unit 5A, Pensacola, FL 32507
  • /41

    $495,000

    • 3 Beds
    • 2 Baths
    • 1,902 Sq Ft

    455 Herron Villa Ln, Pensacola, FL 32506

    WATERFRONT Retreat with AMAZING SUNSET VIEW Son Herron Bayou - Discover your dream waterfront home with breathtaking southwesterly sunset views and direct access to Perdido Bay and Gulf! Nestled on over half an acre with 80 feet of WATERFRONT, this charming brick home offers 3 spacious bedrooms, 2 bathrooms providing the perfect blend of comfort, style, and outdoor living. Step inside to find

    Sherri Ziegler Levin Rinke Realty

    455 Herron Villa Ln, Pensacola, FL 32506
  • /21

    $149,000

    • 3 Beds
    • 1.5 Baths
    • 1,140 Sq Ft

    2417 N V St Unit A, Pensacola, FL 32505

    Fully Renovated Home – Move-In Ready! This stunning home has been completely renovated from top to bottom, offering modern upgrades and stylish finishes throughout. Enjoy peace of mind with a brand-new roof, HVAC system, and energy-efficient windows. Step inside to find all-new flooring that complements the bright and airy interior. The heart of the home is the fully remodeled kitchen,

    John Cho Voyage Real Estate LLC

    2417 N V St Unit A, Pensacola, FL 32505
  • /50

    $839,000

    • 5 Beds
    • 3.5 Baths
    • 4,348 Sq Ft

    22 Bartlett Cir, Pensacola, FL 32505

    This home is nestled in the highly sought-after Marcus Pointe neighborhood. This extraordinary 5-bedroom, 3.5-bathroom residence perfectly blends modern elegance and ultimate comfort. Located just minutes from Interstate I-10, this home provides tranquility and convenience. This stunning two-story home boasts a spacious open layout with exquisite details, including beautiful chandeliers,

    Lonnie Cowan KELLER WILLIAMS REALTY GULF COAST

    22 Bartlett Cir, Pensacola, FL 32505
  • /50

    $750,000

    • 6 Beds
    • 3.5 Baths
    • 5,960 Sq Ft

    14 W Gadsden St, Pensacola, FL 32501

    This home recently appraised for $1,250,000! This gorgeous 6 bedroom 4 bathroom Queen Anne home is listed below appraised value with fresh sod & newly landscaped with grass lighting & front & back irrigation, newly installed front yard decorative aluminum privacy fence & a termite bond. In the heart of the historic district, T W Finch House is a piece of Pensacola history. This home has been

    Justin Creel KELLER WILLIAMS REALTY GULF COAST

    14 W Gadsden St, Pensacola, FL 32501
  • /31

    $270,000

    • 3 Beds
    • 2 Baths
    • 1,381 Sq Ft

    6961 Rolling Hills Rd, Pensacola, FL 32505

    Welcome to your dream home- New roof installed 2023! This stunning property features three spacious bedrooms and two full bathrooms, perfectly designed for comfort and convenience. The heart of the home is a generous kitchen, complete with plenty of cabinets for all your storage needs and a breakfast bar ideal for casual meals. Entertain in style in the large dining room, perfect for family

    Diane White Better Homes And Gardens Real Estate Main Street Properties

    6961 Rolling Hills Rd, Pensacola, FL 32505
  • /10

    $135,000

    • 3 Beds
    • 1 Bath
    • 1,278 Sq Ft

    701 Montclair Rd, Pensacola, FL 32505

    Great Starter home or investment. Fenced back yard, ceramic tile Large Family room with French doors, Inside laundry and on Corner lot new roof 2020 sept sewer lines and new pvc piping throughout house March 2023. tub replaced March 2023. new refrigerator sept 2023 outside hvac replaced 2/24

    Scarlett Tullos Southern Homes Realty LLC

    701 Montclair Rd, Pensacola, FL 32505

Showing Results 361 - 400, Page 10 of 14

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