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Homes for Sale near Pensacola Jr Academy

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  • /59

    $385,000

    • 3 Beds
    • 2 Baths
    • 2,412 Sq Ft

    426 E Olive Rd, Pensacola, FL 32514

    SET FAR BACK FROM OLIVE ROAD, a Charming Country Home with City Convenience! Discover the perfect blend of country tranquility and city convenience in this beautifully maintained 1,722 square foot home. The main home boasts three spacious bedrooms and two well-appointed bathrooms, this residence features a stunning sunroom that fills the home with natural light. The main living area showcases

    Shelby Tudor TEAM SANDY BLANTON REALTY, INC

    426 E Olive Rd, Pensacola, FL 32514
  • /39

    $249,950

    • 3 Beds
    • 2.5 Baths
    • 1,537 Sq Ft

    8913 Brigade Trail, Pensacola, FL 32534

    End Unit near the community pool! This 1537 square foot, 3 bedroom, 2.5 bath attached townhome unit is centrally located off 9 Mile Road near the Pine Forest Intersection in Admiral's Quarters. It is just down the road from Navy Federal Credit Union. Admirals Quarters has a community pool and pet area. This townhome is a 2 story floor plan with a single car garage. On the first floor, you'll find

    Sean Kramer Levin Rinke Realty

    8913 Brigade Trail, Pensacola, FL 32534
  • /15

    $165,000

    • 2 Beds
    • 2 Baths
    • 723 Sq Ft

    6400 Long St Unit 5, Pensacola, FL 32504

    THIS HOME SITS IN THE HEART OF PENSACOLA. TWO BEDROOMS, TWO BATHS, PRIVACY FENCED BACKYARD. KITCHEN HAS NEW CABINETS, NEW FLOORING INSTALLED IN THE LAST YEAR. NEW ROOF INSTALLED IN 2021.

    ANN ROSS Southern Homes Realty LLC

    6400 Long St Unit 5, Pensacola, FL 32504
  • /12

    $310,000

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

    6406 Antietam Dr, Pensacola, FL 32503

    This charming property on Antietam Dr in Pensacola offers an inviting living space in a great neighborhood. Featuring a spacious layout, the home provides ample room for relaxation and entertaining. The kitchen comes equipped with updated appliances, and the cozy bedrooms ensure comfort. Large fenced in backyard. A wonderful opportunity for an investor-tenant occupied. Motivated seller.

    Steven Koleno Beycome of Florida, LLC

    6406 Antietam Dr, Pensacola, FL 32503
  • /40

    $329,900

    • 4 Beds
    • 2 Baths
    • 2,304 Sq Ft

    2042 Hamilton Crossing Dr, Cantonment, FL 32533

    A beautiful home featuring 4 bedrooms and 2 baths in a super convenient location and beautiful neighborhood! Hamilton Crossing!!! Please come to view the home and the neignborhood for its true beauty! the welcoming layout is perfect for entertaining or hanging out with your family. The home features 2304 SF living spaces with nice fixtures and hardwares. The private primary Suite has 2 walk-in

    Thien Vo CENTURY 21 AMERISOUTH REALTY

    2042 Hamilton Crossing Dr, Cantonment, FL 32533
  • /38

    $249,000

    • 3 Beds
    • 1 Bath
    • 1,378 Sq Ft

    7920 Reeders Ln, Pensacola, FL 32526

    Separate workshop, Half Acre, Oversized parking. Do not miss out on this amazing ranch style home with acreage, and your own separate shop in the back. You will be blown away by the space and how well designed this property is. First you will find an oversized carport with plenty of space for multiple big cars and trucks, and an oversized drive that has 4 inch thick concrete poured. You will then

    Joshua Deason Gulf Real Estate Group, LLC

    7920 Reeders Ln, Pensacola, FL 32526
  • /38

    $420,000

    • 3 Beds
    • 3.5 Baths
    • 3,145 Sq Ft

    8839 Meadowbrook Dr, Pensacola, FL 32514

    All new components from Roof to HVAC. Kitchen Appliances, Pool liner & equipment, and new marble and glass baths. This home sits high on a hill on a quiet cut de sac overlooking Scenic Hills Golf Course. Entirely Private rear yard sparkling screen enclosed pool. Nestled against a private wooded backdrop, the property offers tranquility and picturesque views that are sure to appeal to any

    Meg Vogt 2 Paradise Realty LLC

    8839 Meadowbrook Dr, Pensacola, FL 32514
  • /28

    $314,000

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

    740 Maple Woods Cir, Pensacola, FL 32534

    Come see this ranch home in the Maple Woods neighborhood in north Pensacola! This property is on a corner lot with a one car garage and a fully fenced backyard. There is porcelain tile flooring throughout the home with 4 bedrooms and 2 bathrooms with a spacious and updated kitchen. Washer & dryer is in the garage and conveys. Great location with Downtown, shopping and restaurants nearby! Home is

    Kieu Erickson Lokation

    740 Maple Woods Cir, Pensacola, FL 32534
  • /30

    $70,000

    • 2 Beds
    • 2 Baths
    • 882 Sq Ft

    524 Mapleleaf Cir, Pensacola, FL 32514

    Perfect first home! Stop renting and make your dream of homeownership come true with this affordable move in ready mobile home with a community pool! This property located in the quiet Mapleleaf Estates subdivision offers two bedrooms and two full bathrooms along with a carport and shed/workshop with power! Conveniently located close to 9 Mile Rd you will have close access to Interstate I-10,

    GERALD SEALE Alliance Real Estate

    524 Mapleleaf Cir, Pensacola, FL 32514
  • /29

    $299,000

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

    152 Mirabelle Cir, Pensacola, FL 32514

    FRESHLY PAINTED! MOVE-IN READY! Check out the Virtual Tour to see the new paint. Compare to still pictures in the listing. Adorable Patio Home in Mirabelle Subdivision is within minutes of HCA West FL Hospital, UWF, shopping, restaurants and more. Easy access to I-10 for traveling East/West, and just 20-25 minutes to the pristine sands of Pensacola Beach. The house offers a split floor plan

    Judy Simonds LPT Realty

    152 Mirabelle Cir, Pensacola, FL 32514
  • /56

    $340,000

    • 3 Beds
    • 2 Baths
    • 1,395 Sq Ft

    632 Berkley Dr, Pensacola, FL 32503

    Read EVERYTHING this home has to offer. 3-bedroom, 2-bath concrete block home features a brick veneer, ceramic glazed tile made in spain, and a sunroom. It has a new sewer line and water line, with the entire house recently repiped. The roof is just 3 years old, and the electrical system has been upgraded to 200 amp service with a whole house surge protector and generator hookup (generator

    Christine Dougherty GREAT SOUTHERN REAL ESTATE, LLC

    632 Berkley Dr, Pensacola, FL 32503
  • /6

    $49,900

    • Land
    • 0.43 Acre
    • $116,047 per Acre

    1105 Sussex Ln, North Northwest Pensacola, FL 32514

    2 lots available with over an acre in total. Purchase both and enjoy extra privacy. Introducing the perfect opportunity to build your dream home on this serene wooded lot, nestled in a cul-de-sac. With NO HOA restrictions, you have the freedom to bring your vision to life! This peaceful setting offers privacy and tranquility, with the convenience of local amenities. Build on your own lot and

    Brandon Osman Southern Ventures

    1105 Sussex Ln, North Northwest Pensacola, FL 32514
  • /6

    $49,900

    • Land
    • 0.67 Acre
    • $74,478 per Acre

    1101 Sussex Ln, North Northwest Pensacola, FL 32514

    2 lots available with over an acre in total. Purchase both and enjoy extra privacy. Introducing the perfect opportunity to build your dream home on this serene wooded lot, nestled in a cul-de-sac. With NO HOA restrictions, you have the freedom to bring your vision to life! This peaceful setting offers privacy and tranquility, with the convenience of local amenities. Build on your own lot and

    Brandon Osman Southern Ventures

    1101 Sussex Ln, North Northwest Pensacola, FL 32514
  • /15

    $529,000

    • Land
    • 0.66 Acre
    • $801,515 per Acre

    2022 MacKey Key Dr, Pensacola, FL 32514

    The perfect coastal lot to build your custom dream home! At over half an acre, 186 feet of water frontage, and a unique deep water dredge at the dock, this lot delivers the foundations of an extraordinary lifestyle with a number of assets already in place. This is a hidden, residential waterfront gem, located at the mouth of the Escambia River with immediate access to the Escambia Bay. The

    Cameron Weaver Levin Rinke Realty

    2022 MacKey Key Dr, Pensacola, FL 32514
  • /30

    $174,900

    • 3 Beds
    • 2 Baths
    • 1,686 Sq Ft

    441 Okaloosa Ave, Pensacola, FL 32503

    Bring Offer!Come take a look! Welcome to this 3-bedroom, 2-bathroom, 1600+ square foot home! Brand New Roof! Step into the large living area with large windows allows ample natural light into the home. This home offers a split floor plan with the main bedroom and bath at the rear of the home. The is large dining/breakfast area for entertaining off the kitchen. Stepping down from the dining

    Travis Crow CENTURY 21 AMERISOUTH REALTY

    441 Okaloosa Ave, Pensacola, FL 32503
  • /16

    $295,000

    • 4 Beds
    • 3 Baths
    • 1,503 Sq Ft

    4479 N 9th Ave, Pensacola, FL 32503

    Welcome to this beautifully updated home conveniently located by Pensacola's Major Hospitals, Cordova Mall, and Airport. This home features an open modern floor plan as you walk in with a long L-shaped custom quartz countertop and bar seating along the perimeter. All new stainless steel appliances and cabinetry. The home features two rooms with their very own beautifully updated full bathrooms

    Daniel Hua Alliance Real Estate

    4479 N 9th Ave, Pensacola, FL 32503
  • /52

    $595,000

    • 3 Beds
    • 2.5 Baths
    • 2,414 Sq Ft

    4328 Calm Terrace, Pensacola, FL 32503

    Pool Home in The Whispers at Cordova with NEW ROOF, February 2025. Beautiful 3 bedroom, 2 ½ bath brick home with attractive landscaping. Step inside with high ceilings and crown molding. Hardwood floors or tile – no carpeting except in bedrooms. Great Room has electric fireplace with 2 speeds. Entertaining is easy with Florida Room adjacent. Kitchen has stainless appliances, and all convey.

    Linda Petty Connell & Company Realty Inc.

    4328 Calm Terrace, Pensacola, FL 32503
  • /11

    $90,000

    • 3 Beds
    • 1 Bath
    • 1,080 Sq Ft

    905 Lucerne Ave, Pensacola, FL 32505

    Perfect renovation or Rental opportunity. Solid and well cared for home in need of some updates and love. New roof as of 2022. Inside laundry, with public sewer and water.. Convenient to shopping, Interstate and hospitals.

    Kim 'Barry' Moulder Better Homes And Gardens Real Estate Main Street Properties

    905 Lucerne Ave, Pensacola, FL 32505
  • /32

    $468,000

    • 3 Beds
    • 2 Baths
    • 1,848 Sq Ft

    3847 Dunwoody Dr, Pensacola, FL 32503

    Open house Saturday January 11th, 11AM-2PM This stunning all-brick home, complete with a screened-in, in-ground pool and an outdoor kitchen/bar area, is eagerly awaiting its new owners! Situated in the desirable Cordova Park subdivision, this property boasts numerous features, including an updated kitchen with granite countertops, stainless steel appliances, a breakfast bar, recessed lighting,

    Larry Kuhn Kuhn Realty

    3847 Dunwoody Dr, Pensacola, FL 32503
  • /9

    $60,000

    • Land
    • 0.96 Acre
    • $62,318 per Acre

    325 Massachusetts Ave, Pensacola, FL 32505

    Discover an exceptional opportunity with three separately deeded parcels totaling nearly one acre, boasting approximately 170 feet of prime road frontage. This property, zoned for High Density Mixed-Use, offers versatile development options. Whether you're interested in residential construction or commercial ventures, the potential here is vast. Priced competitively, this property won't last long.

    David Erwin Emerald Coast Realty Pros

    325 Massachusetts Ave, Pensacola, FL 32505
  • /72

    $439,900

    • 3 Beds
    • 3 Baths
    • 2,695 Sq Ft

    706 Crooked Oak Dr, Pensacola, FL 32514

    Tranquil Retreat with Modern Conveniences! Nestled in a prime location offering both privacy and convenience, this exquisite 3 bedroom(With bonus room)/3 bathroom Colonial home is a hidden gem on .85 acres. This home has plenty of space to entertain with a large living room and, a den/family room with a fireplace and French doors to a balcony porch. The kitchen features include plenty of

    Susan Bastajian KELLER WILLIAMS REALTY GULF COAST

    706 Crooked Oak Dr, Pensacola, FL 32514
  • /10

    $172,900

    • 2 Beds
    • 1 Bath
    • 864 Sq Ft

    8163 Heirloom Dr, Pensacola, FL 32514

    Must see this lovely, charming and well-maintained home in Windshop Cove. Complete and ready to move in with new laminate flooring throughout home, Newer roof 2018, HVAC 2019, Granite Kitchen Countertops, Gutters and Storm door. Don't let this pass you by! Conveniently located in Pensacola.

    Eric Gleaton ERIC GLEATON REALTY, INC

    8163 Heirloom Dr, Pensacola, FL 32514
  • /44

    $399,900 Open Sun 2PM - 4PM

    • 3 Beds
    • 2 Baths
    • 1,923 Sq Ft

    4516 Piper Glen Dr, Pensacola, FL 32514

    **Stunningly Transformed Brick Home in Upscale Cul-de-Sac** Welcome to this beautifully remodeled 1,950 sq ft brick home, where modern luxury meets charming character in a coveted small neighborhood. Boasting 3 spacious bedrooms and 2 updated baths, this home is perfect for families, retirees, or anyone looking for a comfortable, stylish retreat. Step inside to discover new flooring throughout,

    Kelley Amos TANNER REALTY OF NW FL

    4516 Piper Glen Dr, Pensacola, FL 32514
  • /57

    $480,000

    • 4 Beds
    • 2.5 Baths
    • 2,767 Sq Ft

    10651 Mac Gregor Dr, Pensacola, FL 32514

    Welcome to wonderful 10651 MacGregor Dr in Scenic Hills North neighborhood! This single-owner, custom-built 2700+sft, 4bed 2.5bath brick home boasts high ceilings, a split floor plan, real hardwood flooring, newer impact resistant windows, a whole home generator, a newer roof and a unique 2+1 garage set-up. This home offers so much! The light and bright dining room and the primary ensuite are on

    WILLIAM MAYBIN Connell & Company Realty Inc.

    10651 Mac Gregor Dr, Pensacola, FL 32514
  • /15

    $289,900

    • 3 Beds
    • 2 Baths
    • 2,096 Sq Ft

    2719 Blackwood Dr, Cantonment, FL 32533

    Welcome to your dream home in the heart of Cantonment, Florida. This delightful single family brick home features 3 spacious bedrooms and 2 full bathrooms perfect for families looking for extra space. The home has an open kitchen into the family room that features a gas fireplace, plant ledges and wonderful natural light! New LVP Flooring!!! Enjoy the screen enclosed lanai accessible from the

    MARK MILLER The American Realty of Florida

    2719 Blackwood Dr, Cantonment, FL 32533
  • /35

    $170,000

    • 2 Beds
    • 1.5 Baths
    • 1,092 Sq Ft

    4245 Brookside Dr, Pensacola, FL 32503

    This affordable townhouse is close to everything and move in ready! The kitchen was remodeled approximately 2020/2021. The dining/living area is open and there are built in bookcases/shelving. The luxury vinyl flooring was installed last year. The recessed lighting keeps things looking clean and modern. There is a half bath and a large storage area under the staircase. Upstairs you have two

    SIMONE SANDS Engel & Volkers Pensacola

    4245 Brookside Dr, Pensacola, FL 32503
  • /59

    $355,000

    • 3 Beds
    • 2 Baths
    • 2,883 Sq Ft

    8335 Hitchcock Dr, Pensacola, FL 32514

    New Roof being put in May! Discover nearly ¾ of an acre that’s fully enclosed and fenced for your privacy. This level lot is home to a variety of fruit trees and bushes (see documents tab for a complete list). As you approach the house, you’ll be welcomed by a wraparound driveway and a spacious covered front porch. The carport provides shelter from the elements and includes a generous storage

    Anthony Mazzurco Kuhn Realty

    8335 Hitchcock Dr, Pensacola, FL 32514
  • /18

    $174,900

    • 4 Beds
    • 1.5 Baths
    • 1,008 Sq Ft

    1379 Portland St, Pensacola, FL 32534

    True 4 Bedrooms with closets! Newer Roof, Windows and HVAC! Beautiful fenced-in lot with large driveway and oversized carport! Open floorplan with full living room, dining area and newly renovated kitchen with even space for a 2 person breakfast nook adjacent to the main dining area. Don't let this one get away... submit your offer today! Contact us today for a Private Showing.

    Lee Wood BLUE ANCHOR REALTY, LLC

    1379 Portland St, Pensacola, FL 32534
  • /51

    $235,000

    • 3 Beds
    • 1.5 Baths
    • 1,472 Sq Ft

    927 Cranbrook Ave, Pensacola, FL 32505

    Welcome to your dream home! This stylish midcentury modern gem boasts a moody, sophisticated aesthetic with an open floor plan that flows seamlessly from room to room. The kitchen is a chef’s delight with open shelving, perfect for displaying your favorite pieces. Featuring 3 spacious bedrooms and 1.5 baths, this home also offers a large utility room providing ample storage space. The expansive,

    Tracy Gaines KELLER WILLIAMS REALTY GULF COAST

    927 Cranbrook Ave, Pensacola, FL 32505
  • /24

    $289,900

    • 3 Beds
    • 2 Baths
    • 1,660 Sq Ft

    5605 Leesway Blvd, Pensacola, FL 32504

    A must see to appreciate this beautiful 3 bedroom 2 bath brick home located in central Pensacola. So much to see in this home: oversized family room with fireplace, cabinets, electric stove, dish washer, garbage disposal, granite countertops, master bath with easy access tub/shower, large closets. Brand new roof 09/2024. Close to mall shopping, restaurants, hospitals and airport.

    Bernd Jablonski, Jr. Sunstate Realty of Greater Pensacola FL, LLC

    5605 Leesway Blvd, Pensacola, FL 32504
  • /40

    $319,900

    • 4 Beds
    • 2 Baths
    • 1,995 Sq Ft

    7551 Northpointe Blvd, Pensacola, FL 32514

    Newly installed dimensional roof! This 4BR/2BA/2car garage almost 2000 sq ft. beauty located in the convenient Northpointe Subdivision has all you need. A large main room with a cathedral ceiling and new porcelain tile flooring. Updated kitchen with a French Door Refrigerator, Microwave, Smooth top electric stove and pantry. Two walk-in closets in the Master Bedroom, double vanity and garden tub

    IVY CASTILLO PARADISE LIVING REALTY & INVESTMENTS, LLC

    7551 Northpointe Blvd, Pensacola, FL 32514
  • /27

    $150,000

    • 2 Beds
    • 2 Baths
    • 1,078 Sq Ft

    1500 E Johnson Ave Unit 225, Pensacola, FL 32514

    The unit is vacant. Pictures reflect all the other units. The Condo is located in Lake Chateau. It is very close to University of West Florida, Wes Florida Hospital, Baptist Medical Center, shopping, interstate and more. The living room has a wood burning fireplace. The unit is on the top floor. Seller to pay up to $3,000 towards repairs at full price offer. Inside pictures are from a single

    Ramani Cantrell HOARD PROPERTIES, LLC

    1500 E Johnson Ave Unit 225, Pensacola, FL 32514
  • /2

    $150,000

    • 2 Beds
    • 2 Baths
    • 1,078 Sq Ft

    1500 E Johnson Ave Unit 214, Pensacola, FL 32514

    The tenant has moved out. The unit is vacant but owner is making repairs. Unit may be viewed end of next week. The Condo is located in Lake Chateau. It is very close to University of West Florida, Wes Florida Hospital, Baptist Medical Center, shopping, interstate and more. The living room has a wood burning fireplace. The unit is on the top floor. Seller to pay up to $3,000 towards repairs at

    Ramani Cantrell HOARD PROPERTIES, LLC

    1500 E Johnson Ave Unit 214, Pensacola, FL 32514
  • /2

    $150,000

    • 2 Beds
    • 2 Baths
    • 1,078 Sq Ft

    1500 E Johnson Ave Unit 204, Pensacola, FL 32514

    The unit is rented month to month. Please do not disturb the tenant. The unit is on the second floor. Unit faces the Lake. To show view unit #119 not able to show at present. The unit is the same floor plan. The Condo is located in Lake Chateau. It is very close to University of West Florida, Wes Florida Hospital, Baptist Medical Center, shopping, interstate and more. The living room has a

    Ramani Cantrell HOARD PROPERTIES, LLC

    1500 E Johnson Ave Unit 204, Pensacola, FL 32514
  • /2

    $150,000

    • 2 Beds
    • 2 Baths
    • 1,078 Sq Ft

    1500 E Johnson Ave Unit 123, Pensacola, FL 32514

    The unit is leased until July 2025. Please do not disturb the tenant, not able to show. All units are the same floor plan. The Condo is located in Lake Chateau. It is very close to University of West Florida, Wes Florida Hospital, Baptist Medical Center, shopping, interstate and more. The living room has a wood burning fireplace. The unit is on the bottom floor. Seller to offer up to $3,000

    Ramani Cantrell HOARD PROPERTIES, LLC

    1500 E Johnson Ave Unit 123, Pensacola, FL 32514
  • /2

    $150,000

    • 2 Beds
    • 2 Baths
    • 1,078 Sq Ft

    1500 E Johnson Ave Unit 119, Pensacola, FL 32514

    There is a tenant in the Condo, lease month to month. Do not disturb the tenant. The unit faces the lake and is on the first floor. The Condo is located in Lake Chateau. It is very close to University of West Florida, Wes Florida Hospital, Baptist Medical Center, shopping, interstate and more. The living room has a wood burning fireplace. The unit is on the bottom floor. Seller to pay up to

    Ramani Cantrell HOARD PROPERTIES, LLC

    1500 E Johnson Ave Unit 119, Pensacola, FL 32514
  • /21

    $495,000

    • 4 Beds
    • 2.5 Baths
    • 2,749 Sq Ft

    5116 Pine Hollow Dr, Pensacola, FL 32505

    Charming 4-bedroom, 2.5-bath home in the highly sought-after Marcus Pointe subdivision! This spacious 2-story brick home comes with a side-entry two-car garage and a large in fenced backyard, perfect for adding a pool or creating your own garden retreat. With plenty of extra space, you can easily add a workshop or storage building for all your toys. Perfect for BBQs and family gatherings, the

    Minh Tran Century 21 BE3

    5116 Pine Hollow Dr, Pensacola, FL 32505
  • /50

    $889,000

    • 4 Beds
    • 3 Baths
    • 3,291 Sq Ft

    4049 Curlew Dr, Pensacola, FL 32514

    This stunning 4-bedroom, 3-bathroom home offers the perfect blend of luxury and comfort. The home has an open floor plan that seamlessly connects the living spaces. The heart of the home is the large gourmet kitchen, featuring granite countertops, an oversized island, breakfast bar, wall oven and gas stove. The adjacent breakfast nook, with space for a large table, is perfect for casual dining,

    Lisa Roy Levin Rinke Realty

    4049 Curlew Dr, Pensacola, FL 32514
  • /38

    $250,000

    • 2 Beds
    • 2.5 Baths
    • 1,653 Sq Ft

    31 Hillbrook Way, Pensacola, FL 32503

    Everything is negotiable, and you deserve a well maintained condo in an excellent location, with plenty of space, storage and amenities! So walk into 31 Hillbrook Way, right off of 9th Ave, a main hub to all things in Pensacola! This condo is light and bright with a very cool open concept, including a sunken living room. On the first floor you'll have the kitchen, dining room, sunken living room,

    Jeanette Thetford Realty One Group Emerald Coast

    31 Hillbrook Way, Pensacola, FL 32503
  • /11

    $299,900

    • 2,753 Sq Ft

    6755 N Palafox St, Pensacola, FL 32503

    Great Multifamily Investment Opportunity: Front Duplex + Single Family Home in rear. All situated on one lot, zoned HDMU (High-Density Mixed-Use). The duplex in the front provides two units with similar floor plans. The single-family home in the back offers additional privacy and space. All units consist of 2 bedrooms and 1 bath. Approx Acreage: 0.8841. Newer roofs Duplex in 2021 and single

    Anabella Owens POINTE SOUTH

    6755 N Palafox St, Pensacola, FL 32503

Showing Results 401 - 440, Page 11 of 16

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