River Ranch, FL Homes for Sale

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  /7

  $149,999

  • Land
  • 1.3 Acres
  • $115,384 per Acre

  0 Lake Mabel Loop Rd Unit MFRS5156662, Lake Wales, FL

  Build your Florida dream home on this beautiful 1.3-acre lakefront lot located on Lake Mabel Loop in Lake Wales! With direct lake frontage, plenty of space, and NO HOA, this property gives you the freedom to create your own private lakefront retreat. Imagine waking up to peaceful water views, enjoying beautiful Florida sunsets, and having over an acre of land to make your vision a reality.

  Kimberly Dinkel RE/MAX HERITAGE PROFESSIONALS

  0 Lake Mabel Loop Rd Unit MFRS5156662, Lake Wales, FL
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  /14

  $46,500

  $5K PRICE DROP

  • 2 Beds
  • 2 Baths
  • 1,344 Sq Ft

  512 Caymen Dr Unit 192, Lake Wales, FL 33859

  Discover comfort, space, and an incredibly functional layout in this 2006 double-wide manufactured home offering 1,344 sq. ft. of living space. Designed with a highly desirable split floor plan, this home provides privacy, generous room sizes, and storage galore throughout. The kitchen is the heart of the home, featuring abundant cabinet and counter space along with a charming morning

  Danna Fields Bedrock MH Sales LLC

  512 Caymen Dr Unit 192, Lake Wales, FL 33859
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  /23

  $340,000

  • 3 Beds
  • 2 Baths
  • 1,735 Sq Ft

  108 Lagoon Rd, Winter Haven, FL 33884

  Established Neighborhood in SE Winter Haven, convenient location. This 3Bedroom 2Bath has just had partial upgrading, new Metal Roof only 3 years old. 2-car garage with washer/dryer -Back yard has fencing on the back and sides so very little needed to completely fence in, room for dogs to run and play and family gatherings. Room to add patio/outdoor family area. Family room boasts a stone faced

  Sandra Music MUSIC REALTY

  108 Lagoon Rd, Winter Haven, FL 33884
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  /38

  $89,900

  • 2 Beds
  • 2 Baths
  • 854 Sq Ft

  148 Orangewood Dr, Lake Wales, FL 33898

  Welcome to 148 Orangewood Blvd, located in the desirable LAND-OWNED 55+ community of Twin Fountains in Lake Wales. This tastefully furnished home (newer furniture) offers 2 bedrooms and 2 bathrooms and has a comfortable and functional floor plan with an additional Florida room, providing extra space for relaxing, entertaining or hobbies. This wonderful home has been remodeled over the last few

  Patricia de Graaff RE/MAX HERITAGE PROFESSIONALS

  148 Orangewood Dr, Lake Wales, FL 33898
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  /48

  $465,000

  • 5 Beds
  • 3 Baths
  • 2,757 Sq Ft

  212 Brookshire Dr, Lake Wales, FL 33898

  Welcome to this beautifully remodeled 5 bedroom 3 bath home on almost 1/4 acre and located in the highly desirable Brookshire community. As you step into the foyer filled with natural light the luxury porcelain tile captures your attention as it flows throughout every space in the home. The huge open floor plan with separate formal living and dining rooms are perfect for entertaining guest. The

  Tony Daddio FLORIDA REALTY MARKETPLACE

  212 Brookshire Dr, Lake Wales, FL 33898
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  /2

  $4,500,000

  $41M PRICE DROP

  • Land
  • 6.82 Acres
  • $659,824 per Acre

  0 Thompson Nursery Rd, Cypress Gardens, FL 33884

  6.82+/- Acre Self Storage Development Opportunity. Commercial zoning allows for Self Storage. The property is cleared and graded. This development project includes Lots S10, S11, and S12 shown on the attached map. The utilities are at the site. Once the buyer provides their conceptual plans for a self-storage project, the Seller's engineer can have full plans ready to submit within 4-6 weeks and

  Mark Allen COMMERCIAL REAL ESTATE PROF IN

  0 Thompson Nursery Rd, Cypress Gardens, FL 33884
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  /32

  $317,990

  New Construction

  • 4 Beds
  • 3 Baths
  • 1,941 Sq Ft

  CAMBRIA Plan at Scenic Terrace - The Enclave, Lake Hamilton, FL 33851

  4 bed | 3 bath | 2-bay | 1941 sqft *Closing costs are additional and not included in the USDA 30 year fixed rate 100% financing. Terms and availability of this loan program, and the sales price, are examples only and are subject to change without notice. Loans are subject to credit approval. Restrictions and conditions may apply. USDA loans are subject to income and geographic eligibility

  Century Complete Builder

  3497 Dahlia Dr Unit 36583008, Lake Hamilton, FL 33851
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  /14

  $324,499

  New Construction $5K PRICE DROP

  • 4 Beds
  • 2.5 Baths
  • 2,039 Sq Ft

  1731 Vanilla St, Haines City, FL 33844

  1731 Vanilla Street, Haines City, FL 33844

  Casa Fresca Homes Builder

  1731 Vanilla St, Haines City, FL 33844
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  /15

  $274,990

  New Construction

  • 4 Beds
  • 2 Baths
  • 1,733 Sq Ft

  2102 Parsley Ct, Haines City, FL 33844

  Under Construction. This single-story Gehrig offers a spacious and inviting layout, with three secondary bedrooms conveniently located at the front of the house. The open-concept floorplan seamlessly connects the living areas, creating a perfect space for family gatherings and entertainment, while the luxe owner's suite, situated at the back of the home, provides a private and serene retreat.

  Ben Goldstein LENNAR REALTY

  2102 Parsley Ct, Haines City, FL 33844
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  /2

  $419,999

  New Construction $17K PRICE DROP

  • 5 Beds
  • 3.5 Baths
  • 3,030 Sq Ft

  6394 Clover St, Haines City, FL 33844

  Discover this dynamic Ammolite home. Included features: an inviting covered entry; a well-appointed kitchen offering 42 cabinets, stainless-steel appliances, quartz countertops, a roomy pantry and a center island; a versatile flex room; a quiet study; an open dining area; a large great room; a beautiful primary suite showcasing a generous walk-in closet and a private bath; a convenient laundry;

  Richmond American Builder

  6394 Clover St, Haines City, FL 33844
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  /2

  $170,000

  Coming Soon

  • 1 Bed
  • 1 Bath
  • 828 Sq Ft

  1711 Garden Lake Dr Unit 1711, Winter Haven, FL 33884

  PHOTOS COMING SOON! Welcome to a little slice of Florida paradise in Winterset, a GATED WATERFRONT COMMUNITY nestled along Winter Haven’s famous Chain of Lakes. This charming 1-bedroom, 1-bathroom condominium offers something truly special: a relaxed lakeside lifestyle, resort-style community amenities, and a home filled with unique spaces and thoughtful updates.Inside, the primary

  Kayly Malinas JOHN WOOD REALTY, INC.

  1711 Garden Lake Dr Unit 1711, Winter Haven, FL 33884
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  /33

  $289,900

  • 4 Beds
  • 2 Baths
  • 1,863 Sq Ft

  508 Miles Blvd, Dundee, FL 33838

  Welcome to this spacious 4-bedroom, 2-bath home located in the peaceful community of Dundee, Florida! SHORT-TERM RENTALS ARE ALLOWED. This inviting property offers a comfortable and functional layout with generous living spaces throughout. The large kitchen provides plenty of room for cooking, gathering, and entertaining. The primary suite features a beautiful walk-in closet, while the spacious

  Liliana Guzman Caraballo LA ROSA REALTY PRESTIGE

  508 Miles Blvd, Dundee, FL 33838
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  /20

  $249,000

  • 3 Beds
  • 2 Baths
  • 1,571 Sq Ft

  271 Mariposa, Winter Haven, FL 33884

  Welcome to your Home Sweet Home in Winter Haven, Florida! This 3-bedroom, 2-bath gem sits in the desirable Orchid Springs community, offering 1,571 sq. ft. of living space that's freshly painted inside and ready to move into. You'll notice the difference the moment you walk in. Bright, clean walls throughout give the whole home a crisp, updated feel.The layout flows easily between the

  Rebecca Guy LOKATION

  271 Mariposa, Winter Haven, FL 33884
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  /38

  $169,500

  • 2 Beds
  • 2 Baths
  • 1,080 Sq Ft

  6081 Southern Oaks Dr SE, Winter Haven, FL 33884

  Welcome to 6081 Southern Oaks Drive SE, a beautifully maintained manufactured home in the highly sought after 55+ community of Garden Grove Oaks where you OWN your Land and enjoy low HOA fees in a peaceful, well-maintained neighborhood. This home features two generously sized bedrooms and two full bathrooms. The primary suite boasts an extra-large walk in closet and private en-suite bath. Step

  Anita Lowe LOCKHART & ASSOCIATES INC

  6081 Southern Oaks Dr SE, Winter Haven, FL 33884
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  /10

  $295,000

  New Construction $33K PRICE DROP

  • 4 Beds
  • 2 Baths
  • 1,607 Sq Ft

  3389 Linger Ln, Lake Hamilton, FL 33851

  Under Construction. Brand new, energy-efficient home available by Aug 2026! An open floorplan that makes entertaining easy in the open kitchen, dining, and great room that flow to the patio. The primary suite is tucked in the rear of the home offering plenty of privacy and features a spacious walk-in closet and shower. Now selling, Hamilton Bluff Classic Series offers new single-family homes in

  Bryan Sumner MERITAGE HOMES OF FL REALTY

  3389 Linger Ln, Lake Hamilton, FL 33851
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  /2

  $150,000

  • Land
  • 13,939 Sq Ft
  • $468,750 per Acre

  1776 Lake Hill Dr, Winter Haven, FL 33884

  Large residential lot that will accommodate a variety of floor plans. Builder and building plans must be approved by Owner.

  John Wood, JR JOHN WOOD REALTY, INC.

  1776 Lake Hill Dr, Winter Haven, FL 33884
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  /2

  $364,500

  Coming Soon

  • 3 Beds
  • 2 Baths
  • 1,833 Sq Ft

  5325 Snead Dr, Winter Haven, FL 33884

  Welcome to one of THE MOST DESIRABLE AND BEAUTIFUL 55+ GATED/GUARD community in Winter Haven, FL! LAKE ASHTONhas great amenities for their residents to enjoy every day. An enormous club house were events are held, two pools, dog park, golf course, bowling, movie theater, fitness center, restaurant, and more. This gorgeous well maintained home has MULTIPLE UPGRADES that the future owner would

  Francis Alvarez Lopez LA ROSA REALTY LLC

  5325 Snead Dr, Winter Haven, FL 33884
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  /82

  $247,900

  • 2 Beds
  • 2 Baths
  • 1,385 Sq Ft

  2865 Attwater Loop, Winter Haven, FL 33884

  Traditions at Lake Ruby is a resort-style 55+community with a lovely clubhouse, lake access, gated, and loads of activitiesThis stunning , freshly painted inside-unit villa has everything that you have been waiting for! The St Lucia is a popular open floorplan featuring 2 bedrooms, 2 bathrooms and a den/office Highly upgraded wood plank porcelain tile floors can be found throughout the living

  Madri Spoelstra DREAM REALTY GROUP

  2865 Attwater Loop, Winter Haven, FL 33884
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  /31

  $215,000

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

  805 Center St, Dundee, FL 33838

  A charming bungalow with big possibilities, this 2-bedroom, 1.5-bath charmer sits on an expansive .30-acre lot with no HOA — giving you the freedom to create the lifestyle you want. Step inside to find a surprisingly spacious layout, with comfortable living spaces, bay windows and classic bungalow character. The oversized lot offers room to garden, add outdoor living areas, expand the home, or

  Maria Cruz-Gaston CRISTALDI REALTY LLC

  805 Center St, Dundee, FL 33838
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  /30

  $534,995

  • 3 Beds
  • 2.5 Baths
  • 2,554 Sq Ft

  1128 Shoreline Ln, Winter Haven, FL 33884

  This Lakeview Patio Home is in the gated lakefront community of Winterset, LEGOLAND across the lake, State Of The Art Gated Security, The Community enjoys a Clubhouse with Heated Pool, Spa, Tennis Courts, Sand Volleyball area, Shuffleboard court. Fishing Pier, Winterset Lake is part of the Famous Chain Of Lakes of Winter Haven, which has 16 lakes in Southern end and 10 in the Northern end. Two

  Steven Koleno BEYCOME OF FLORIDA LLC

  1128 Shoreline Ln, Winter Haven, FL 33884
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  /9

  $364,900

  New Construction

  • 5 Beds
  • 3 Baths
  • 2,244 Sq Ft

  Spring Plan at Peach Crossings, Winter Haven, FL 33884

  The Spring plan by LGI Homes is a beautiful five-bedroom, two-story home. The first floor of this home features a spacious family room and chef-ready kitchen, along with a guest bedroom and full bath. The master retreat and three secondary bedrooms are found upstairs. You will love having a large laundry room with exceptional storage space! Everyone will enjoy five generously sized bedrooms, each

  LGI Homes Builder

  1609 Nantucket Way Unit 36502866, Winter Haven, FL 33884
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  /45

  $338,760

  New Construction

  • 4 Beds
  • 2.5 Baths
  • 1,986 Sq Ft

  1964 Diamond Head Cir, Haines City, FL 33844

  JUPITER: Beautiful 2 Level, 2 Car Garage Home with Open Concept Living and 4 Bedrooms! Welcome to the Jupiter, a beautifully designed two-story home offering 4 bedrooms, 2.5 bathrooms, an oversized loft, and a 2-car garage. Featuring a charming Traditional elevation and a prime location, this home combines style, comfort, and convenience. Inside you'll find a dramatic two-story foyer and an

  DRB Homes Builder

  1964 Diamond Head Cir, Haines City, FL 33844
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  /19

  $310,000

  New Construction

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

  Foxglove Plan at Hamilton Bluff - Signature Series, Lake Hamilton, FL 33851

  Prepare dinner while catching up on the days events from this home'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

  1409 Pocket Wilderness Way Unit 37076664, Lake Hamilton, FL 33851
• 

  

  /23

  $315,000

  New Construction

  • 4 Beds
  • 2 Baths
  • 1,710 Sq Ft

  923 Florida Ave, Dundee, FL 33838

  Welcome to a home that defines effortless living. From the moment you arrive, the beautiful landscaping in the front sets a welcoming tone, offering curb appeal that perfectly complements the interior. This stunning residence is presented in move-in-ready condition, maintaining the exact integrity and aesthetic of its original design. With no modifications made, you’ll appreciate the intentional

  Yolanda Floyd COLDWELL BANKER REALTY

  923 Florida Ave, Dundee, FL 33838
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  /38

  $72,000

  • 2 Beds
  • 2 Baths
  • 936 Sq Ft

  106 Village Ct, Winter Haven, FL 33884

  LOW LOT RENT $566/MO. Welcome to easy Florida living in the highly desirable 55+ community of Lake Fox Village in Winter Haven! This charming and well-maintained 2-bedroom home offers 936 square feet of comfortable living space designed for convenience, relaxation, and low-maintenance enjoyment. Step inside and immediately notice the spacious feel created by the cathedral ceilings and bright,

  Daniel Butler Sun Realty of Florida

  106 Village Ct, Winter Haven, FL 33884
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  /39

  $159,000

  • 2 Beds
  • 1.5 Baths
  • 612 Sq Ft

  702 Jersey Ct, Dundee, FL 33838

  TWO SEPARATELY DEEDED PROPERTIES INCLUDED – GREAT INVESTMENT OPPORTUNITY! Discover the potential of this unique income-producing property featuring two separately deeded parcels, each improved with a single-wide home, plus a shared private in-ground swimming pool. Whether you're an investor seeking rental income or looking for a multi-generational living arrangement, this property offers

  Steven Anderson FLORIDA HIGHLANDS REALTY

  702 Jersey Ct, Dundee, FL 33838
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  /12

  $280,490

  New Construction

  • 4 Beds
  • 2 Baths
  • 1,733 Sq Ft

  2102 Parsley Dr, Haines City, FL 33844

  This new single-story home offers a spacious layout with a total of three bedrooms, including two secondary bedrooms near a full bathroom off the entry. At the back of the home, a flexible open-concept layout blends the kitchen with the living and dining spaces, steps from the generous owner’s suite, which features an en-suite bathroom and a walk-in closet to make everyday living feel seamless.

  Lennar Builder

  2102 Parsley Dr, Haines City, FL 33844
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  /47

  $265,000

  • 3 Beds
  • 2 Baths
  • 1,668 Sq Ft

  4408 Glenns Landing, Winter Haven, FL 33884

  Beautiful and affordable 3-bedroom, 2-bath home in Cypress Landing on Lake Dexter on a corner lot with just one adjoining neighbor. 1,668 sq/ft living area with an enclosed Lanai. The Kitchen features wood flooring. well-maintained cabinetry with an updated backsplash; refrigerator, stove, microwave. Primary Bath recently upgraded with new granite tile flooring and new shower door. Guest bath

  Patrick Thurmond KELLER WILLIAMS REALTY SMART 1

  4408 Glenns Landing, Winter Haven, FL 33884
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  /29

  $287,990

  New Construction

  • 3 Beds
  • 2 Baths
  • 1,504 Sq Ft

  1183 Cumberland Trail Dr, Lake Hamilton, FL 33851

  The property is located at 1183 Cumberland Trail Drive LAKE HAMILTON FL 33851 priced at 287990, the square foot and stories are 1504, 1.The number of bath is 2, halfbath is 0 there are 3 bedrooms and 2 garages. For more details please, call or email.

  D.R. Horton Builder

  1183 Cumberland Trail Dr, Lake Hamilton, FL 33851
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  /10

  $120,000

  $50K PRICE INCREASE

  • Land
  • 10,018 Sq Ft
  • $521,739 per Acre

  0 Sr-17 Scenic Hwy N Unit MFRP4933132, Haines City, FL 33844

  Welcome to Polk County, the heart of Central Florida. This prime 0.23-acre property boasts frontage on a major highway, ensuring high traffic volume and excellent visibility—ideal for commercial ventures. Its strategic location offers convenient access to major highways, industrial parks, and theme parks, making it a perfect choice for your business needs. Contact us today for more details.

  Stacey Towns STACEY TOWNS REALTY LLC

  0 Sr-17 Scenic Hwy N Unit MFRP4933132, Haines City, FL 33844
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  /19

  $310,848

  New Construction Open Wed 12PM - 6PM $21K PRICE INCREASE

  • 3 Beds
  • 2 Baths
  • 1,707 Sq Ft

  6373 Clover St, Lake Hamilton, FL 33844

  Spacious and accommodating, the one-story Fraser features an open-concept floorplan with 3- bedrooms. Just off the entryway, you'll find a secluded area for work or storage space, next to garage entry. Toward the back of the home, a large Primary Suite is ready for you with it's ensuite Bathroom, shower enclosure and double vanity. The family room flows into an inviting kitchen with a center

  Stephanie Morales AXEN REALTY, LLC

  6373 Clover St, Lake Hamilton, FL 33844
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  /24

  $235,000

  $5K PRICE INCREASE

  • 3 Beds
  • 1 Bath
  • 1,319 Sq Ft

  103 Lake Gordon Dr, Haines City, FL 33844

  Unique Opportunity in Lake Hamilton, Polk County!Are you looking to live surrounded by nature, peace, and beautiful views???This property for sale in Lake Hamilton is perfect for anyone seeking a relaxed lifestyle without giving up convenience. Located in a quiet, safe area of Polk County. This Home feature with Solar Panels, providing significant energy savings and added long-term value.

  Rosemary Encarnacion LPT REALTY, LLC

  103 Lake Gordon Dr, Haines City, FL 33844
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  /32

  $399,900

  • 4 Beds
  • 2 Baths
  • 2,420 Sq Ft

  408 Coleman Dr, Winter Haven, FL 33884

  Virtually Staged. Beautiful 1-story home featuring 4 bedrooms, 2 bathrooms, and a 2-car garage with a spacious layout designed for comfortable living. The welcoming living room is highlighted by a cozy fireplace, while the kitchen and bathrooms have been refreshed with new countertops. Fresh interior paint throughout gives the home a bright, updated feel. Step outside to the screened lanai and

  Michael McGee MAINSTAY BROKERAGE LLC

  408 Coleman Dr, Winter Haven, FL 33884
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  /2

  $247,500

  $3K PRICE DROP

  • Land
  • 20,037 Sq Ft
  • $538,043 per Acre

  7374 Bent Grass Dr, Winter Haven, FL 33884

  JUST REDUCED!!! SOUTHEAST WINTER HAVEN! BUILD YOUR LAKEFRONT DREAM HOME ON THIS GORGEOUS LAKEFRONT BUILDING LOT IN THE GATED COMMUNITY OF MILLER'S LANDING WITH 100 FT. ON LAKE BESS! Views! Views! Views! Hurry before it's long gone!

  Catherine Kluytenaar THE K TEAM REAL ESTATE SERVICES LLC

  7374 Bent Grass Dr, Winter Haven, FL 33884
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  /6

  $2,150,000

  $100K PRICE DROP

  • Land
  • 10.19 Acres
  • $210,991 per Acre

  0 Country Club Rd S Unit MFRL4962034, Winter Haven, FL 33881

  Build your legacy on this rare 10+ acre high-and-dry estate parcel in the heart of Winter Haven. Mostly cleared and ready for your vision, this exceptional property offers the perfect blend of privacy, prestige, and convenience. Whether you're dreaming of a custom luxury mansion, an equestrian retreat, or a multi-generational family compound, the possibilities here are endless.Tucked away

  Daniel Cook KELLER WILLIAMS REALTY

  0 Country Club Rd S Unit MFRL4962034, Winter Haven, FL 33881
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  /7

  $349,000

  New Construction

  • 4 Beds
  • 3 Baths
  • 2,387 Sq Ft

  1361 June Lake Loop, Haines City, FL 33844

  Open first floor creates a unified living space with a large great room that overlooks the kitchen and dining area. Upstairs loft can be used to best fit your needs and tech area is perfect for a home office.

  Meritage Homes Builder

  1361 June Lake Loop, Haines City, FL 33844
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  /15

  $284,740

  New Construction $15K PRICE DROP

  • 4 Beds
  • 2 Baths
  • 1,733 Sq Ft

  Gehrig Plan at Woodland Ranch Estates - Majors Collection, Dundee, FL 33838

  This new single-story home offers a spacious layout with a total of three bedrooms, including two secondary bedrooms near a full bathroom off the entry. At the back of the home, a flexible open-concept layout blends the kitchen with the living and dining spaces, steps from the generous owner’s suite, which features an en-suite bathroom and a walk-in closet to make everyday living feel seamless.

  Lennar Builder

  219 Spindlewood Blvd Unit 40774714, Dundee, FL 33838
• 

  

  /25

  $364,999

  New Construction $5K PRICE DROP

  • 5 Beds
  • 3 Baths
  • 2,471 Sq Ft

  1577 Sage Ave, Lake Hamilton, FL 33851

  Check out the Indigo, a spacious two-story, 5-bedroom, 3-bathroom, 2-car garage home perfect for growing families or hosting guests. Enter the impressive foyer with soaring ceilings that creates an immediate...

  Casa Fresca Homes Builder

  1577 Sage Ave, Lake Hamilton, FL 33851
• 

  

  /53

  $155,000

  $5K PRICE DROP

  • 2 Beds
  • 2 Baths
  • 1,080 Sq Ft

  6235 Knotty Pine Dr SE, Winter Haven, FL 33884

  CUTE AND COZY 2 BR/2 BA HOME IN GARDEN GROVE OAKS 55+ COMMUNITY! This one-owner home is in one of Winter Haven's most sought-after 55+ communities where you own your land, and the HOA is low at $65/month. You will not be bored living here...activities include dances, birthday and anniversary celebrations, water aerobics, card games, shuffleboard, billiards and more. The community has its own

  Kelly Jones KELLER WILLIAMS REALTY SMART 1

  6235 Knotty Pine Dr SE, Winter Haven, FL 33884
• 

  /2

  $295,990

  New Construction

  • 3 Beds
  • 2 Baths
  • 1,477 Sq Ft

  PRESCOTT Plan at Scenic Terrace - The Enclave, Lake Hamilton, FL 33851

  3 bed | 2 bath | 2-bay | 1477 sqft *Closing costs are additional and not included in the USDA 30 year fixed rate 100% financing. Terms and availability of this loan program, and the sales price, are examples only and are subject to change without notice. Loans are subject to credit approval. Restrictions and conditions may apply. USDA loans are subject to income and geographic eligibility

  Century Complete Builder

  3497 Dahlia Dr Unit 36583012, Lake Hamilton, FL 33851

Showing Results 601 - 640, Page 16 of 18