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Homes for Sale near Marcus Pointe Christian School

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  • /47

    $429,500

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

    8782 Thunderbird Dr, Pensacola, FL 32514

    This beautiful cedar home located in the Scenic Hills Country Club sub-division has been wonderfully upgraded and updated. Centrally located off Nine Mile Road, supermarkets, shopping centers, restaurants, health facilities/hospitals and the campus of University of West Florida are only minutes away. This house is perfect for entertaining, as it features a large kitchen that opens up into a

    Isaac Smith KELLER WILLIAMS REALTY GULF COAST

    8782 Thunderbird Dr, Pensacola, FL 32514
  • /20

    $469,900

    • 3 Beds
    • 2.5 Baths
    • 1,590 Sq Ft

    1621 E Cervantes St, Pensacola, FL 32501

    Beautiful East Hill Home – Fresh Price Drop + Seller Offering Rate Buydown! This beautiful East Hill home is newly priced and ready for its next owner. Just 5 minutes to downtown Pensacola and 12 minutes to the beach, it offers the perfect blend of charm, comfort, and flexibility in one of the city’s most beloved neighborhoods. Inside, enjoy a bright, open layout with luxury vinyl plank flooring

    Jessica Townley Engel & Volkers Pensacola

    1621 E Cervantes St, Pensacola, FL 32501
  • /25

    $199,900

    • 3 Beds
    • 2 Baths
    • 1,187 Sq Ft

    7101 Joy St Unit A3, Pensacola, FL 32504

    Bottom Floor!! No Stairs!! Beautifully maintained 3/2 condo featuring brand-new luxury vinyl plank flooring throughout and a modern kitchen equipped with updated stainless steel appliances. This home is perfect for a primary residence or a savvy investment opportunity. Currently tenant-occupied with a lease in place through the end of June, this property has a strong rental history and proven

    Robert Mann Kuhn Realty

    7101 Joy St Unit A3, Pensacola, FL 32504
  • /18

    $320,000

    • 3 Beds
    • 1.5 Baths
    • 1,100 Sq Ft

    990 W Zarragossa St, Pensacola, FL 32502

    Discover the perfect blend of comfort and convenience in this beautifully updated 3-bedroom, 1.5-bathroom townhome located just outside downtown Pensacola. This home, meticulously renovated in 2019, boasts a modern kitchen with contemporary cabinetry and countertops, sleek and durable flooring throughout, and tastefully updated bathrooms with modern fixtures and finishes. The small, fenced

    Walter Pierce Levin Rinke Realty

    990 W Zarragossa St, Pensacola, FL 32502
  • /19

    $315,000

    • 3 Beds
    • 2 Baths
    • 1,100 Sq Ft

    980 W Zarragossa St, Pensacola, FL 32502

    Discover the perfect blend of comfort and convenience in this beautifully updated 3-bedroom, 1.5-bathroom townhome located just outside downtown Pensacola. This home, meticulously renovated in 2019, boasts a modern kitchen, updated flooring, and refreshed bathrooms, making it a turnkey property that is already a successful Airbnb. Key Features: Modern Kitchen: Enjoy cooking in a stylishly

    Walter Pierce Levin Rinke Realty

    980 W Zarragossa St, Pensacola, FL 32502
  • /39

    $207,500

    • 3 Beds
    • 2 Baths
    • 1,617 Sq Ft

    1029 Kearny Dr, Pensacola, FL 32505

    SELLER WILLING TO BUY RATE DOWN / COVER CLOSING COSTS! Welcome to this TURN-KEY and beautifully remodeled 3-bedroom, 2-bath home situated on a spacious corner lot in the heart of Pensacola. Centrally located and just minutes from downtown, I-10, Baptist Hospital, and the Cordova Mall area, this home offers both style and convenience. Freshly painted inside and out with a fabulous Sherwin-Williams

    Ace Khan KELLER WILLIAMS REALTY GULF COAST

    1029 Kearny Dr, Pensacola, FL 32505
  • /18

    $249,000

    • 3 Beds
    • 2 Baths
    • 1,336 Sq Ft

    8250 Carriage Ln, Pensacola, FL 32514

    Tucked away in a quiet cul-de-sac in the Belle Chasse neighborhood, this updated home offers charm, convenience, and a fantastic investment opportunity—all at an affordable price. Situated on a mature wooded lot, the home provides both privacy and space to enjoy outdoor living. Step inside to a welcoming great room, where a vaulted ceiling and gorgeous hardwood flooring enhance the open feel

    Mark Lee Team Levin Rinke Realty

    8250 Carriage Ln, Pensacola, FL 32514
  • /28

    $290,000

    • Land
    • 0.21 Acre
    • $1,403,679 per Acre

    419 W Belmont St Unit A & B, Pensacola, FL 32502

    Build-Ready Lots in Historic Belmont-DeVilliers. Two build-ready lots located in the heart of one of Pensacola’s most vibrant and culturally rich neighborhoods. 419 W. Belmont Lots C & D (officially Lots 11 and 12) offer an exciting opportunity for savvy investors, developers, or homeowners looking to build and grow in the historic Belmont-DeVilliers district—just steps from the iconic Five

    Caroline Jordan Link Realty Gulf Coast LLC

    419 W Belmont St Unit A & B, Pensacola, FL 32502
  • /29

    $286,500

    • 1 Bed
    • 1 Bath
    • 640 Sq Ft

    401 W Wright St, Pensacola, FL 32501

    Offered Turnkey & Furnished | Owner Financing Available. A charming one bedroom bungalow on an oversized 0.17-acre corner lot in the historic and thriving Belmont-DeVilliers neighborhood of Downtown Pensacola. With a central location, flexible zoning potential, and a unique backstory rooted in Pensacola’s vibrant culture, this property is full of opportunity—for investors, creatives, and anyone

    Caroline Jordan Link Realty Gulf Coast LLC

    401 W Wright St, Pensacola, FL 32501
  • /35

    $228,000

    • 2 Beds
    • 2 Baths
    • 1,088 Sq Ft

    8464 Kipling St Unit D, Pensacola, FL 32514

    ATTENTION INVESTORS! Looking for a 2 bedroom 2 bath home that has been remodeled and is producing income as an ABNB. This 2 bedroom 2 bath home has been completely remodeled. When you step into the home you'll see the nice luxury vinyl plank flooring throughout the home. As you step into the foyer the kitchen is off to the left with new cabinets, granite countertops and stainless steel appliances

    BONNIE ARD Gulf Real Estate Group, LLC

    8464 Kipling St Unit D, Pensacola, FL 32514
  • /13

    $140,000

    • 3 Beds
    • 1.5 Baths
    • 1,699 Sq Ft

    4245 Erress Blvd, Pensacola, FL 32505

    Amazing Townhouse, 3 rooms 1 full bath 1 half bath. freshly painted, floors updated. Ready to move in.

    Vanesa Gagliolo Costa Miami Realty, LLC

    4245 Erress Blvd, Pensacola, FL 32505
  • /30

    $264,900

    • 3 Beds
    • 2 Baths
    • 1,636 Sq Ft

    808 Woodland Dr, Pensacola, FL 32503

    Move-In Ready 3 Bedroom, 2 Bath Home in Woodland Heights – 32503 This beautifully updated home is in excellent condition and ready for you to move right in! Located on a spacious corner lot with a fully fenced backyard, it’s nestled in the desirable Woodland Heights neighborhood—just minutes from downtown Pensacola. Step inside to find a modern galley kitchen featuring brand-new cabinets, sleek

    Kyle Kopytchak Levin Rinke Realty

    808 Woodland Dr, Pensacola, FL 32503
  • /20

    $178,000

    • 2 Beds
    • 1.5 Baths
    • 1,050 Sq Ft

    1314 Foxborough Dr, Pensacola, FL 32514

    2 bed, 1 1/2 bath townhouse in the Foxborough Townhome community in Fox Run. Located within walking distance to Scenic Hills Country Club and less than 15 minutes from UWF, Navy Federal, and I-10. Less than 25 minutes to downtown Pensacola and ~30 minutes to the world's whitest beaches. This brick townhouse includes a large master bedroom with a vaulted ceiling and a jack and jill style closet.

    Benjamin Everett CENTURY 21 AMERISOUTH REALTY

    1314 Foxborough Dr, Pensacola, FL 32514
  • /34

    $250,000

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

    8455 Lofton Dr, Pensacola, FL 32514

    **Ask about seller concessions with acceptable offer** Nestled on a quiet street in Northeast Pensacola, this charming ranch-style home sits on an oversized lot and offers the perfect blend of privacy, comfort, and room to grow. With endless potential and a layout designed for both everyday living and entertaining, it’s ready for your personal touch. Inside, a bright and open great room welcomes

    Joshua Ward KELLER WILLIAMS REALTY GULF COAST

    8455 Lofton Dr, Pensacola, FL 32514
  • /26

    $257,500

    • 3 Beds
    • 2 Baths
    • 1,308 Sq Ft

    3123 Cedarwood Village Place, Pensacola, FL 32514

    This beautifully renovated two-story home is conveniently located less than a mile from restaurants, shopping, hospitals and plenty of entertainment. Walking into the foyer you notice high ceilings, beautiful flooring and spacious living area. The master bedroom is on the first floor and has a gorgeous, renovated master bath. New walk-in shower, vanity and beautiful shiplap walls will take your

    Dylan Riley Levin Rinke Realty

    3123 Cedarwood Village Place, Pensacola, FL 32514
  • /2

    $35,000

    • 2 Beds
    • 2 Baths
    • 476 Sq Ft

    1920 N S St, Pensacola, FL 32505

    Investment special. Best thing on the market for the price. Not far from downtown. Not far from Palafox St. A good inexpensive start to your real estate portfolio. The home needs a lot of work.

    Lonnie Cowan KELLER WILLIAMS REALTY GULF COAST

    1920 N S St, Pensacola, FL 32505
  • /41

    $274,000

    • 2 Beds
    • 1 Bath
    • 1,064 Sq Ft

    2005 N Baylen St, Pensacola, FL 32501

    FULLY FURNISHED ADORABLE COTTAGE located just off Historic North Hill. Whether you're a first-time buyer, looking to downsize, or seeking an excellent investment opportunity, this home offers comfort, charm, and convenience just minutes from downtown. Step inside to discover a fresh, modern interior with brand-new paint, stylish furnishings, and thoughtfully chosen finishes. The home retains its

    Lorraine Brackin Berkshire Hathaway Home Services PenFed Realty

    2005 N Baylen St, Pensacola, FL 32501
  • /42

    $1,250,000

    • 19,000 Sq Ft

    2700 Cycle Dr, Pensacola, FL 32526

    Welcome to 2700 Cycle Drive, a prime investment opportunity in a thriving location. This mobile home park presents an excellent chance to own a lucrative income-generating property with plenty of potential for growth and expansion. Property Features: Location: Situated in a convenient location, this mobile home park offers easy access to amenities, schools, and major transportation routes,

    kyle Ballif EXP Realty LLC

    2700 Cycle Dr, Pensacola, FL 32526
  • /21

    $199,900

    • 3 Beds
    • 1 Bath
    • 1,100 Sq Ft

    351 Springdale Cir, Pensacola, FL 32503

    Well-built and well-maintained home available now for viewings! A rare opportunity for affordable homeownership with a wonderfully convenient location. *One mile away* from Cordova Mall and Sacred Heart Hospital. Incredibly close to great restaurants, more great shopping options and only five miles from downtown Pensacola. Walking inside, you will find an open living room layout. Separate, but

    MADISON WILLIAMS Hanban Real Estate LLC

    351 Springdale Cir, Pensacola, FL 32503
  • /8

    $50,000

    • Land
    • 1.00 Acre
    • $50,000 per Acre

    8100 BLK Durand Ave, Ensley, FL 32534

    Situated on a quiet, private dead-end road, this one-acre homesite offers the perfect blend of seclusion and convenience. Zoned for residential single-family use, the property presents a great opportunity to build a custom home in a peaceful, natural setting. The back half of the lot is considered wetlands, leaving over half an acre of buildable space at the front—ideal for your future homesite.

    Lisa Jackson KELLER WILLIAMS REALTY EMERALD COAST WEST BRANCH

    8100 BLK Durand Ave, Ensley, FL 32534
  • /48

    $235,000

    • 5 Beds
    • 3 Baths
    • 2,031 Sq Ft

    300 Rosalyn Way, Pensacola, FL 32505

    Look no further, this gorgeous, fully renovated 5-bedroom, 3-bathroom home is truly move-in-ready and radiates warmth, charm, and modern elegance. Thoughtfully updated with a brand new 2025 roof, windows, water heater, and copper wiring, every inch of this property reflects care and style. Nestled on a spacious corner lot off Brent Lane, the home features a desirable split floorplan, stunning

    Minh Tran Century 21 BE3

    300 Rosalyn Way, Pensacola, FL 32505
  • /4

    $165,900

    • Land
    • 0.34 Acre
    • $487,941 per Acre

    313 E Mallory St, Pensacola, FL 32503

    Exceptional opportunity to own a cleared, build-ready residential lot in a high-demand location! It is close to shopping centers, restaurants, and only minutes from the airport, downtown, and pristine beaches! This spacious parcel is zoned for residential use and can be subdivided into three separate lots. Don't miss out on this rare investment opportunity!

    Shelly Mitchell KELLER WILLIAMS REALTY GULF COAST

    313 E Mallory St, Pensacola, FL 32503
  • /8

    $259,900

    • Land
    • 0.06 Acre
    • $4,331,667 per Acre

    400 BLK N Palafox St, Pensacola, FL 32501

    This parcel in the Galveztown development offers unparalleled access to the modern, downtown lifestyle. Be a part of this developing community by purchasing this lot. Homes to be a minimum of 1,700 square feet. Rear entry garages. Underground utilities. One block from the Palafox Market. Palafox Street was named one of the "10 Great Streets in America" by the American Planning Association. These

    Chris Howard ASSIST 2 SELL REAL ESTATE

    400 BLK N Palafox St, Pensacola, FL 32501
  • /30

    $658,000

    • 2 Beds
    • 2.5 Baths
    • 1,619 Sq Ft

    202 W Intendencia St, Pensacola, FL 32502

    Urban living and modern sophistication converge in this stunning townhome in the heart of historic Downtown Pensacola. With exceptional finishes and thoughtful design, this three-story residence offers comfort and style. Take in views of Wahoo’s Stadium fireworks over the Bay from the expansive rooftop deck, and enjoy all that downtown has to offer. Just steps to vibrant Palafox Street, you’ll

    Mark Lee Team Levin Rinke Realty

    202 W Intendencia St, Pensacola, FL 32502
  • /48

    $659,000

    • 3 Beds
    • 3 Baths
    • 2,578 Sq Ft

    2540 Hallmark Dr, Pensacola, FL 32503

    VIRTUALLY STAGED. COMPLETELY REMODELED THIS YEAR by a well known local builder. Lovely 3 bedroom 3 bath home on a quiet street in Cordova Park, near Dunwoody Park. Two oversized bedrooms both with ensuite baths. Plus a 3rd bedroom. Three luxurious bathrooms. Gorgeous kitchen. Fireplace. Large level lot, fenced back yard, established trees and tasteful new landscaping. Sprinkler system. Nice

    Kathryn Ray PARADISE COASTAL REALTY, INC.

    2540 Hallmark Dr, Pensacola, FL 32503
  • /29

    $275,000

    • 2 Beds
    • 2 Baths
    • 1,211 Sq Ft

    817 N D St, Pensacola, FL 32501

    Built in 2019, this corner-lot beautifully designed 2-bedroom, 2-bath townhouse offers modern living just 1.5 miles from downtown. This beautiful home is just 9.5 miles from the breathtaking white sandy beaches of Pensacola, offering easy access to sun, surf, and seaside relaxation. Enjoy the best of both worlds with a peaceful home setting and the Gulf’s stunning shoreline just a short drive

    Valerie Jarnberg EXP Realty, LLC

    817 N D St, Pensacola, FL 32501
  • /14

    $63,500

    • Land
    • 0.18 Acre
    • $352,778 per Acre

    2907 Doctor Martin Luther King Junior Dr, Pensacola, FL 32503

    Prime Commercial Lot – Zoned HC/LI – Centrally Located in Pensacola Opportunity awaits with this cleared .18-acre commercial lot, perfectly positioned directly across from the Post Office in a high-visibility area. Zoned Heavy Commercial/Light Industrial (HC/LI), this versatile parcel is ideal for a wide range of permitted uses—from light manufacturing and professional services to retail,

    Seay Phillips Kuhn Realty

    2907 Doctor Martin Luther King Junior Dr, Pensacola, FL 32503
  • /24

    $329,000

    • 3 Beds
    • 2 Baths
    • 1,812 Sq Ft

    9901- Raymar St Unit A, Pensacola, FL 32534

    Gorgeous Modern Duplex—Prime Investment or Perfect Owner-Occupied Opportunity! Welcome to this stunning 3-bedroom, 2.5-bath duplex, ideally situated in the heart of Pensacola near Hwy 29 and 9 1/2 Mile Road. This property offers 1,750 sq. ft. of beautifully designed living space, making it a versatile option for investors looking for a solid rental income property or homeowners seeking a

    Walter Pierce Levin Rinke Realty

    9901- Raymar St Unit A, Pensacola, FL 32534
  • /24

    $370,000

    • 3 Beds
    • 2 Baths
    • 1,812 Sq Ft

    9901- Raymar St Unit B, Pensacola, FL 32534

    (B) Luxury Duplex Living – Beautifully Upgraded, Spacious, & Perfectly Situated! Step into this exceptional 3-bedroom, 2.5-bath duplex, boasting over 1,800 sq. ft. of thoughtfully designed living space. Located in the heart of Pensacola near Hwy 29 and 9 1/2 Mile Road, this home offers a unique combination of modern elegance, comfort, and a prime location—perfect for savvy investors or

    Walter Pierce Levin Rinke Realty

    9901- Raymar St Unit B, Pensacola, FL 32534
  • /46

    $259,000

    • 2 Beds
    • 2.5 Baths
    • 1,701 Sq Ft

    3400 Wimbledon Dr Unit 14, Pensacola, FL 32504

    Turnkey, One-of-a-kind townhome in the coveted Tennis Oasis subdivision! This beautifully updated 2BD/2.5BA unit offers over 1,700 square feet of bright, open living space and is the ONLY unit in the community w/ two private balconies. New Roof 2023, HVAC 2024. Open patio back porch- perfect for relaxing or entertaining. Enjoy your serene courtyard and park views adorned with majestic live oaks.

    Nicole Loy Bennett Zepp Realty

    3400 Wimbledon Dr Unit 14, Pensacola, FL 32504
  • /19

    $199,999

    • 3 Beds
    • 2 Baths
    • 1,150 Sq Ft

    306 N 58th Ave, Pensacola, FL 32506

    **✨ Stunningly Renovated 3-Bed, 2-Bath Brick Home on a Prime Corner Lot! ✨** Perched on a scenic bluff with an inviting entrance, this **freshly updated gem** is packed with modern upgrades! Step into a **gourmet kitchen** featuring **sleek granite countertops, elegant travertine backsplash, custom cabinetry.** Both bathrooms have been **completely transformed** with luxurious

    Larry Perine Coldwell Banker Realty

    306 N 58th Ave, Pensacola, FL 32506
  • /12

    $126,000

    • 4 Beds
    • 1 Bath
    • 1,580 Sq Ft

    913 Belair Rd, Pensacola, FL 32505

    INVESTMENT OPPORTUNITY This block home has great bones and a ton of potential! The home is solid block, on slab, and resting on a large corner lot. Centrally located in Pensacola just minutes away from the new Baptist Hospital, Cordova Mall, and more. This home would make a great flip, rental, or Investor Home is being sold As Is, Where Is , Seller to make no repairs or warranties. Please

    Cliff Glansen Flatfee.com Inc.

    913 Belair Rd, Pensacola, FL 32505
  • /22

    $349,900

    • 3 Beds
    • 2 Baths
    • 1,156 Sq Ft

    7 N G St, Pensacola, FL 32502

    Location, Location, Location! Welcome to 7 N G St. 'Zoned Multi Use' - It could be your home your office or both! Seller willing to pay closing cost and home warranty with full offer.After entering through the front gate with new privacy fence you will be greeted with a lovely front porch to kick back and relax.As you enter through the classically styled front door you will find a spacious

    VINNY MATASSA Conna O'Donovan Real Estate Team LLC

    7 N G St, Pensacola, FL 32502
  • /24

    $259,900

    • 4 Beds
    • 2 Baths
    • 1,780 Sq Ft

    720 Lambert St, Pensacola, FL 32505

    Welcome to your spacious home! Low interest rate- ASSUMABLE LOAN available, this CORNER LOT sits in a very quiet neighborhood, the homeowner has expressed she'll miss this community dearly. They've improved everything they could think of, such as NEW windows, NEW fence, NEW attic insulation, tree removals in the large back yard, and added a termite bond. Other improvements were made prior to her

    CASEY DEEN Real Broker, LLC

    720 Lambert St, Pensacola, FL 32505
  • /14

    $219,000

    • 3 Beds
    • 2 Baths
    • 1,183 Sq Ft

    7101 Joy St Unit H5, Pensacola, FL 32504

    Beautifully updated condo with completely renovated kitchen. Sleek 2022 stainless-steel appliances complement the updated backsplash and contemporary tile countertop. The custom light fixture doubles as a soft night light - perfect for those late-night snack runs. New LVP flooring flows throughout the home, offering the perfect blend of durability and good looks. Fresh paint, vaulted ceilings,

    Jessica Townley Engel & Volkers Pensacola

    7101 Joy St Unit H5, Pensacola, FL 32504
  • /3

    $134,000

    • Land
    • 0.67 Acre
    • $200,000 per Acre

    4203 N P St, Pensacola, FL 32505

    Legal DescriptionBEG AT NE COR OF S ALG E LI OF 20 FT TO POINT IN S R/W LI OF RD CONTINUE S 320 FT W AT RT ANG 330 FT S AT RT ANG 330 FT FOR POB CONTINUE S 100 FT WLY AT RT ANG 280 FT NLY AT RT ANG 100 FT ELY AT RT ANG 280 FT TO POB LTS 48 49 BLK 2 OF AN UNRECORDED PLAT OR 9298 P 290Vacant Residential. Note: buyers I emphasize the importance of conducting thorough due diligence to ensure that the

    Samih Sadiq KELLY RIGHT REAL ESTATE

    4203 N P St, Pensacola, FL 32505
  • /18

    $164,000

    • 3 Beds
    • 1 Bath
    • 888 Sq Ft

    715 Lambert St, Pensacola, FL 32505

    Beautiful remodeled 3-bedroom, 1-bathroom home now available. This home features all new LVP flooring, doors, and baseboards throughout the house. Kitchen has newer cabinets and appliances. The big back yard gives you plenty of room for kids to enjoy, pets to play, and for those summer cookouts. No big items for you to worry about anytime soon in this home. The roof, AC, and Wiring were all

    DARLENE MARTINEZ Fathom Realty FL LLC

    715 Lambert St, Pensacola, FL 32505
  • /47

    $289,000

    • 4 Beds
    • 3 Baths
    • 1,944 Sq Ft

    2308 Greenwell Ct, Pensacola, FL 32526

    Welcome to your dream home! This beautifully updated property features 4 spacious bedrooms and 3 full bathrooms, making it perfect for families or those who love to entertain. Step inside to find a freshly painted interior adorned with new laminate flooring throughout. The kitchen is a chef's delight, boasting new granite countertops and a stylish backsplash, along with all appliances included

    Diane White Better Homes And Gardens Real Estate Main Street Properties

    2308 Greenwell Ct, Pensacola, FL 32526
  • /4

    $140,000

    • Land
    • 0.29 Acre
    • $482,759 per Acre

    6011 Chapman Cir, Pensacola, FL 32504

    Here is your chance to build your dream home in the heart of Pensacola. Located in Reserve at Carpenters Creek, this highly sought after neighborhood that features underground utilities, sidewalks and beautiful constructed executive homes. Don't miss out on your chance to own this beautiful lot.

    John Alumbaugh KELLER WILLIAMS REALTY GULF COAST

    6011 Chapman Cir, Pensacola, FL 32504
  • /2

    $112,000

    • Land
    • 0.12 Acre
    • $902,498 per Acre

    515 W Strong St, Pensacola, FL 32501

    Discover the perfect canvas for your custom home on this spacious 36.17 x 150 ft lot, offering approximately 5425.5 sq ft of prime real estate. Nestled on the western border of the North Hill Preservation District this parcel provides ample space for a stunning residence. Whether you’re a homeowner envisioning your forever home or a builder seeking a high-value lot, this property offers endless

    Stephanie Frazier A Red Door Property

    515 W Strong St, Pensacola, FL 32501

Showing Results 481 - 520, Page 13 of 18

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