Saint Andrew Bay, FL Homes for Sale

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  /34

  $119,500

  • 2 Beds
  • 1 Bath
  • 1,226 Sq Ft

  517 S Highway 22 A, Panama City, FL 32404

  Price Reduced!! Spacious townhome with tons of potential. Come view this two bedroom one bath townhome in Parker, close to Tyndall Airforce Base. This neighborhood provides an HOA with community pool and courtyard area which is great for families or just sitting outside relaxing in the green space. The complex is right across the street from Parker Elementary. The townhome features two

  Daryle Burkey Coldwell Banker Realty

  517 S Highway 22 A, Panama City, FL 32404
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  /38

  $349,000

  • 2 Beds
  • 2 Baths
  • 900 Sq Ft

  4726 Bay Point Rd, Panama City Beach, FL 32408

  Get ready to experience the waterfront lifestyle that you've been searching for here at Bay Point Harbor Villas. With stunning views of Grand Lagoon and Point South Marina, this ground-floor unit has it all. The open concept living room & kitchen create the perfect setting for entertaining or just relaxing. The primary bedroom is spacious with an on-suite bathroom and the 2nd bedroom (bunkroom)

  David & Kelli Sims Sims Resort Realty, Inc

  4726 Bay Point Rd, Panama City Beach, FL 32408
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  /8

  $375,000

  • Land
  • 6 Acres
  • $60,778 per Acre

  406 Bob Little Rd, Panama City, FL 32404

  Prime Development Opportunity - Just over 6 Acres Zoned R6-M. Perfectly suited for single-family or multi-family development under R6-M zoning. Located in FEMA Flood Zone X, this property offers peace of mind with minimal flood risk. Whether you're looking to build a residential community, townhomes, or investment properties, this versatile land provides endless possibilities. Don't miss this

  Jordan Jarrett Keller Williams Success Realty

  406 Bob Little Rd, Panama City, FL 32404
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  /69

  $467,000

  • 2 Beds
  • 2 Baths
  • 1,458 Sq Ft

  4100 Marriott Drive Unit 410 Dr Unit 410, Panama City Beach, FL 32408

  THE SELLER IS OFFERING TO PREPAY 12 MONTHS OF HOA FEES ($1,050 PER MONTH) PLUS BAY POINT ANNUAL DUES ($1,650 FOR THE YEAR) -- A TOTAL VALUE OF $15,000 WITH $750 DIRECTLY TO THE NEW OWNER-- FOR THE FIRST YEAR OF OWNERSHIP! You don't want to miss this 4th floor beauty at Reflections! This an extraordinary opportunity to experience the ultimate in resort-style living! Offering luxury resort vibes

  Team Don and Bubba EXP Realty LLC

  4100 Marriott Drive Unit 410 Dr Unit 410, Panama City Beach, FL 32408
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  /44

  $439,500

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

  2604 Mystic Ln Unit PO12, Panama City, FL 32408

  Located GROUND FLOOR (1st Level) in the stunning gated & Bayfront community of Waterhaven, this pristine 3 bedroom, 2 1/2 bath unit is a rare find. You can rest easy knowing elevators and multiple stairs will NOT be an issue! This unit offers the perfect blend of modern luxury and coastal charm! Step inside to discover a bright and airy living space featuring oak wood flooring and crown molding

  Alyssa Sato Keller Williams Success Realty

  2604 Mystic Ln Unit PO12, Panama City, FL 32408
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  /134

  $3,600,000

  • 5 Beds
  • 6.5 Baths
  • 6,561 Sq Ft

  4522 Bay Point Rd, Panama City, FL 32408

  Exquisite Bayfront Estate in Bay Point, FloridaExperience the pinnacle of waterfront luxury in this breathtaking five-bedroom, seven-bathroom estate, perfectly positioned on the bay in the exclusive Bay Point community. With unparalleled deep-water access, this home is a boater's dream, featuring both a 40,000-pound and a 17,000-pound boat lift, allowing you to dock your yachts and watercraft

  Hope Abbott Turner Keller Williams Realty Emerald

  4522 Bay Point Rd, Panama City, FL 32408
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  /58

  $309,000

  • 3 Beds
  • 2 Baths
  • 1,736 Sq Ft

  5501 Lagoon Way, Panama City, FL 32408

  Just five blocks from the sugar-white sands of Panama City Beach and within walking distance to the lagoon and a public boat ramp, 5501 Lagoon Way offers a unique opportunity in a prime coastal location. This 3-bedroom, 2-bathroom home features a flex space off the Florida room, ideal for a home office, playroom, or hobby area. Originally a 2-bedroom, 1-bath layout, the home was expanded to

  Alice De La Penha Coldwell Banker Realty

  5501 Lagoon Way, Panama City, FL 32408
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  /23

  $985,000

  • Land
  • 4.16 Acres
  • $236,779 per Acre

  1201 N East Ave, Panama City, FL 32401

  Investor's Dream - R-2 Zoned Land w/ Income Producers and new 52 mobile home lot infrastructure.Land includes over 4 acres with built-in infrastructure. Additionally, the electric is currently being upgraded to underground electric. Five income-producing dwellings located on SE corner of the property. A rare chance to invest, earn, and build in a great location.

  Melissa Torres Dalton Wade Inc

  1201 N East Ave, Panama City, FL 32401
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  /47

  $739,900

  • 4 Beds
  • 2.5 Baths
  • 2,018 Sq Ft

  5433 Hopetown Ln, Panama City, FL 32408

  Stunning Custom Home in the Gated Community of MartiniqueExperience luxury living in this 2021-built custom home located in the exclusive gated community of Martinique. This 4-bedroom, 2.5-bathroom residence boasts exquisite craftsmanship along with high-end finishes and impact glass window throughout.Step inside to find stained concrete floors on the main level and luxury engineered wood

  James Griffitts EXP Realty LLC

  5433 Hopetown Ln, Panama City, FL 32408
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  /43

  $375,000

  • 2 Beds
  • 2 Baths
  • 732 Sq Ft

  190 S Marlin Dr, Panama City, FL 32408

  Make your beach house dreams of ownership come true with this 2-bedroom 2 bath beauty! This great home has been meticulously maintained and is tastefully furnished with beachy decor. Living room and kitchen are both good size. Seller has recently added an attractive tile shower and updates in the guest bathroom. The covered back deck offers a great outdoor shower, 2 storage sheds, commercial ice

  David & Kelli Sims Sims Resort Realty, Inc

  190 S Marlin Dr, Panama City, FL 32408
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  /35

  $100,000

  • Land
  • 0.11 Acre
  • $909,091 per Acre

  5228 Kingston Cir, Panama City, FL 32408

  Welcome to Martinique, one of Bay County's most desirable gated communities! Martinique is conveniently located... in close proximity to the beach, St. Andrew's State Park, some of PCB's best restaurants, live music venues and shopping! Martinique was designed with elegant architectural aesthetics in mind while retaining a sense of natural beauty. It's not an usual occurrence to see deer in your

  Tammy Smith Epique Realty Inc

  5228 Kingston Cir, Panama City, FL 32408
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  /50

  $435,000

  • 2 Beds
  • 2 Baths
  • 1,144 Sq Ft

  5801 Thomas Dr Unit 1216, Panama City Beach, FL 32408

  STUNNING GULF VIEWS, NEWLY RENOVATED INTERIOR, GULF FRONT MASTER BR, & ON TRACK TO DO $40K RENTALS THIS YEAR SET THIS CONDO APART! Wish Life could be a VACATION!?! THIS IS IT... Spectacular Gulf Front Living in this Beautifully Updated Open Concept Condo w/Laundry Room is Ready For YOU! Sit on the Balcony & feel the stress melt away as you enjoy the tranquility of watching a breathtaking Sunset

  Karen Martineau RE/MAX Coastal Properties

  5801 Thomas Dr Unit 1216, Panama City Beach, FL 32408
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  /28

  $349,000

  • 4 Beds
  • 2 Baths
  • 1,730 Sq Ft

  721 Arrow St, Panama City, FL 32404

  New construction located near Tyndall Air Force Base, built with Insulated Concrete Forms (ICF) for enhanced structural integrity and energy efficiency. The home features steel rebar-reinforced concrete walls, tied to the foundation and bolted to the roof system. An engineering report specific to this property is available upon request.Interior finishes include granite countertops in the kitchen

  Haley Dileva Coldwell Banker Realty

  721 Arrow St, Panama City, FL 32404
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  /20

  $837,000

  • 3 Beds
  • 2 Baths
  • 4,047 Sq Ft

  301 Detroit Ave, Panama City, FL 32401

  Awesome Investment Opportunity - 3 Almost New Construction Homes with Immediate Rental Income! Each Home is 3 bedrooms 2 baths and 1356 Sqft.Investor alert! Secure a prime investment with three almost new homes, already leased with $6,600 in guaranteed monthly rental income through November! Built by Elite Coastal Construction, these high-quality homes offer modern design, energy efficiency, and

  Thom Bachelder Panhandle Real Estate

  301 Detroit Ave, Panama City, FL 32401
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  /32

  $350,000

  • 2 Beds
  • 3 Baths
  • 1,485 Sq Ft

  2400 Grandiflora Blvd Unit E407, Panama City Beach, FL 32408

  *Price Increased to now include furnishings* Welcome to Magnolia Bay Club, where waterfront living meets quite resort-style luxury! This is the best priced unit in this stunning gated community condo, offering breathtaking views and an unparalleled lifestyle. Step outside to enjoy a resort-style pool, perfect for unwinding in the Florida sun, or dive into adventure with on-site water sports

  Wheeler Sauls Collective Salty Marlin Realty

  2400 Grandiflora Blvd Unit E407, Panama City Beach, FL 32408
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  /28

  $325,000

  • 3 Beds
  • 2 Baths
  • 1,375 Sq Ft

  804 Kirklin Ave, Panama City, FL 32401

  Looking for a home that can last an entire generation and withstand Florida's unpredictable weather? Well, look no further!!! Discover this beautifully built all-brick home, offering both durability and timeless appeal. With 1,375 sqft of thoughtfully designed living space, this 3-bedroom, 2-bathroom residence provides a perfect blend of comfort and modern upgrades. When this home was built,

  Ramone Silvera Salty Marlin Realty LLC

  804 Kirklin Ave, Panama City, FL 32401
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  /7

  $575,000

  • Land
  • 0.13 Acre
  • $4,423,077 per Acre

  3532 Treasure Cir, Panama City, FL 32408

  Build your lagoon front home here. A flat, cleared lot with incredible waterfront on Grand Lagoon with a seawall and 180' dock. Perfect for your residence or vacation home. Only minutes to Shell Island and close to great restaurants. Perfect water for a Pontoon Boat. Seller is a licensed real estate agent in the state of Florida.

  Jeri Macdonald Anchor Realty Florida

  3532 Treasure Cir, Panama City, FL 32408
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  /13

  $50,000

  • Land
  • 0.26 Acre
  • $192,308 per Acre

  700 Joan Ln, Panama City, FL 32404

  Discover the perfect setting for your home on this beautiful lakefront lot, ideally situated at the end of a peaceful cul-de-sac. Offering over a quarter acre of land, this spacious homesite provides water views and a serene atmosphere. Enjoy lakeside living while remaining conveniently close to local amenities, schools, and shopping. With ample space to design and build, this lot is a rare

  Steve Butler ERA Neubauer Real Estate, Inc

  700 Joan Ln, Panama City, FL 32404
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  /27

  $325,000 Open Thu 1PM - 3PM

  • 3 Beds
  • 2 Baths
  • 2,028 Sq Ft

  1914 Clay Ave, Panama City, FL 32405

  **LENDER INCENTIVES include Closing cost credit and/or rate buy-down available from preferred Lender OR 2.99% ASSUMABLE VA MORTGAGE FOR QUALIFIED VA BUYERS. Contact Listing Agent for more information.**Imagine living in a home where your backyard feels like a private retreat and the beach is just minutes away. Welcome to 1914 Clay Avenue.Perfectly positioned between Historic St. Andrews and

  Brad Amerson LLC Compass Florida, LLC

  1914 Clay Ave, Panama City, FL 32405
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  /45

  $634,999

  • 3 Beds
  • 2 Baths
  • 1,633 Sq Ft

  5423 Hilltop Ave, Panama City Beach, FL 32408

  Offering Owner Financing, furniture included!!! Step into your dream home! This exquisite 3-bedroom, 2-bathroom residence offers 1,633 sq. ft. of luxurious living space, complete with the option to add a sparkling 10x20 pool. Designed for modern living, the home boasts soaring 9-foot ceilings, elegant 8-foot doors, and energy-efficient, impact-resistant windows for style and peace of mind. The

  Matt Buttner List Now Realty,LLC

  5423 Hilltop Ave, Panama City Beach, FL 32408
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  /31

  $220,000

  • 1 Bed
  • 1 Bath
  • 425 Sq Ft

  5323 Thomas Dr Unit 25, Panama City, FL 32408

  Honey, grab the beach chairs!! This unit is a stones throw to Beach Access 7 and a five minute stroll to Schooners, one of the most iconic restaurants in Panama City Beach! You will love the convenience this unit offers to the beach and all the attractions on Thomas Drive. This one bedroom, one bathroom ground floor unit has a full kitchen and lots of room for storage. Sunshine Shores offers

  Susan Brock Gulf Life Real Estate Inc

  5323 Thomas Dr Unit 25, Panama City, FL 32408
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  /40

  $350,000

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

  130 Arlington Dr, Panama City, FL 32404

  **CURRENTLY UNDER CONTRACT - SELLER IS TAKING BACKUP OFFERS.** You don't want to miss this one!!! Stunning completely remodeled contemporary home* Welcome to 130 Arlington Drive! A beautiful, move-in-ready home, perfectly situated on a desirable corner lot just across from Lake Martin in Panama City. Did I mention COMPLETELY remodeled; Offering modern elegance and a spacious open floor plan, this

  Kaitlin Husbands Legacy Premier Agency

  130 Arlington Dr, Panama City, FL 32404
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  /4

  $180,000

  • 1 Bed
  • 1 Bath
  • 540 Sq Ft

  5505 Sun Harbor Rd Unit 143, Panama City, FL 32401

  Charming 1-Bedroom Condo with Stunning Bay Views - First Floor Convenience!*More Pictures coming soon *Enjoy peaceful waterfront living in this beautifully updated 1-bedroom, 1-bath condo, perfectly situated on the first floor of a low-rise community. With breathtaking views of the bay right from your living space, this unit offers a serene and relaxing atmosphere.Recently freshly painted, the

  Shakhodat Talipova Christies International Real Estate Emerald Coast

  5505 Sun Harbor Rd Unit 143, Panama City, FL 32401
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  /40

  $580,000

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

  35 Gulf Loop, Panama City, FL 32408

  Rare opportunity to own in highly sought-after Venture Out. This beautiful 3 bedroom, 2 bath has a great open floor plan and flows beautifully! The kitchen is large and open to the living room. The home has new paint, flooring, granite, backsplash and more. This home looks and feel like new! The location is premium as you have extra parking in the back of the home. Venture Out is a golf cart

  David & Kelli Sims Sims Resort Realty, Inc

  35 Gulf Loop, Panama City, FL 32408
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  /92

  $1,199,999

  • 5 Beds
  • 4.5 Baths
  • 4,384 Sq Ft

  109 Dragon Cir, Panama City, FL 32408

  **STUNNING GOLF COURSE HOME** Welcome to 109 Dragon Circle, a beautifully home situated on the 8th green and 9th tee box of the renowned Nicklaus Golf Course in the newer section of the sought-after gated community of Bay Point in Panama City Beach, Dragon's Ridge. This stunning residence offers a perfect blend of luxury, comfort, and an unparalleled lifestyle, with extensive upgrades and access

  Duran Group Berkshire Hathaway HomeServices Beach Properties of Florida

  109 Dragon Cir, Panama City, FL 32408
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  /3

  $21,000

  • Land
  • 0.41 Acre
  • $51,220 per Acre

  0 Bayou Ave Unit 770650, P C Beach, FL 32401

  Feets from Water, 0.406 Acre, lot with road frontage in Springfield, FL. This affordable lot has all the potential for a new residential build and is zoned for mobile home if desired. Just minutes away from shopping, restaurants and the beach.

  Moe Mossa Savvy Avenue LLC

  0 Bayou Ave Unit 770650, P C Beach, FL 32401
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  /3

  $160,000

  • Land
  • 0.33 Acre
  • $484,848 per Acre

  5217 Finisterre Dr, Panama City, FL 32408

  CURRENTLY UNDER CONTRACT, SELLER ACCEPTING BACKUP OFFERS. Contingent. Panama City Beach's most elegant neighborhood on the peninsula that forms the lagoon. This is the largest (.33 acre), most desirable interior lot, directly across the street from the most elegant homes in Bay County. Second story view overlooks Grand Lagoon and the Pass. Great gated community with tennis, pickleball courts,

  Meredith Shaw Coldwell Banker Realty

  5217 Finisterre Dr, Panama City, FL 32408
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  /27

  $199,900

  • 2 Beds
  • 1 Bath
  • 808 Sq Ft

  207 Linda Ave, Panama City, FL 32401

  WOW!! New Price!! Here's your opportunity to enter the desirable Cove neighborhood! Check out this affordable Florida Cottage style home featuring 2 bedrooms and 1 full bath, hardwood flooring throughout the home with tile in the wet areas. The kitchen features Oak cabinets, Corian solid surface counter with deep sink, garbage disposal, dishwasher, Microwave/vent, gas stove, refrigerator and

  Deborah Class ERA Neubauer Real Estate, Inc

  207 Linda Ave, Panama City, FL 32401
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  /39

  $449,900

  • 3 Beds
  • 2 Baths
  • 1,164 Sq Ft

  5524 Pinetree Ave, Panama City, FL 32408

  Welcome to your dream beach cottage, just a 5-minute walk to Public Beach Access #9! This fully remodeled 3-bedroom, 2-bathroom home offers modern upgrades and coastal charm, making it an ideal primary residence, vacation getaway, or short-term rental investment. Step inside to discover a brand-new interior, featuring luxury vinyl plank and tile flooring, fresh paint, and an open-concept living

  Ramil Zartdinov Local Insight Realty

  5524 Pinetree Ave, Panama City, FL 32408
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  /40

  $299,500

  • 3 Beds
  • 2 Baths
  • 1,509 Sq Ft

  2026 Baker Ct Unit 13, Panama City, FL 32401

  OPEN HOUSE - Wednesday, August 20th from 2-4p. Charming 3-Bed, 2-Bath Home in Historic St. Andrews - Steps from the Bay! Located just one block from St. Andrews Bay, this beautifully designed 3-bedroom, 2-bath home offers the perfect blend of historic charm and modern comfort. With high vaulted ceilings and a split-bedroom floor plan, this home is warm and inviting. The kitchen features a

  Team Don and Bubba EXP Realty LLC

  2026 Baker Ct Unit 13, Panama City, FL 32401
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  /7

  $400,000

  • Land
  • 0.59 Acre
  • $677,966 per Acre

  6241-B E Hwy 98 Bus, Panama City, FL 32404

  Over half an acre of WATERFRONT commercial land just waiting for someone to develop it into a thriving business. The property give you access to the Gulf via East Bay. Making development even easier, there are water and sewer hookups readily available. The property is already mostly cleared and waiting for the new owners to make it into something amazing! There is a second parcel in front

  Kacy Watson Keller Williams Success Realty

  6241-B E Hwy 98 Bus, Panama City, FL 32404
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  /4

  $300,000

  • Land
  • 0.55 Acre
  • $545,455 per Acre

  6241-A E Hwy 98 Bus, Panama City, FL 32404

  Over half and acre of prime commercial land! This property has 120 ft of frontage on HWY 98, putting it right in the middle of the Tyndall AFB commute. This property has hookups for water and sewer available and is ready to be developed!There is a second parcel behind it that is waterfront and can be purchased as well! When looking at photos, this is the lot labeled 'A'

  Kacy Watson Keller Williams Success Realty

  6241-A E Hwy 98 Bus, Panama City, FL 32404
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  /49

  $399,999

  • 4 Beds
  • 2.5 Baths
  • 2,433 Sq Ft

  3726 Tiki Dr, Panama City Beach, FL 32408

  Coastal Living at Its Finest - Spacious 4-Bedroom Home in Hidden Lagoon!Welcome to 3726 Tiki Drive, a stunning, oversized home in the highly sought-after Hidden Lagoon community on the east end of Panama City Beach. With over 2,400 square feet of living space, this home is designed for comfort, style, and the ultimate Florida lifestyle. Live where others vacation! This prime location puts you

  Team Don and Bubba EXP Realty LLC

  3726 Tiki Dr, Panama City Beach, FL 32408
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  /18

  $189,000

  • 3 Beds
  • 2 Baths
  • 1,032 Sq Ft

  2014 E 8th Ct, Panama City, FL 32401

  If you're looking for a home with character, this 3-bedroom, 2-bathroom gem might just be the one! One of the best features of this home is the large fenced backyard--there's plenty of room to enjoy the outdoors, start a garden, or even store a boat with ease. Whether you're a first-time buyer, looking for a solid investment, or just love the charm of an older home, this one has plenty of

  D Friday PA Friday Realty One Group Emerald Coast

  2014 E 8th Ct, Panama City, FL 32401
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  /4

  $50,000

  • Land
  • 0.24 Acre
  • $208,333 per Acre

  000 E Business Highway 98, Panama City, FL 32404

  Commercial Lot on E. Business 98 with approx. 225 Ft of frontage. Zoned MU-1, perfect for a small coffee shop. Check with City of Parker for specific use restrictions.Traffic Count 8600 2023 Data.

  Ronald Shover ERA Neubauer Real Estate, Inc

  000 E Business Highway 98, Panama City, FL 32404
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  /43

  $375,000

  • 3 Beds
  • 2 Baths
  • 1,260 Sq Ft

  5812 Beach Dr Unit B, Panama City, FL 32408

  Blissful Beach Bungalow offers a delightful coastal farmhouse-inspired retreat just a 3-minute walk from the beach in Panama City Beach. This two-story home accommodates families and furry friends, with a spacious backyard for pets to roam. Conveniently located near attractions like St. Andrew's State Park, Rick Seltzer Park, and Treasure Island Marina, guests can easily enjoy various activities

  Tyler Southerland Coastal Heritage Real Estate LLC

  5812 Beach Dr Unit B, Panama City, FL 32408
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  /28

  $450,000

  • 1,279 Sq Ft

  6034 E Highway 98, Callaway, FL 32404

  Business Only Sale! Land is a 15 Year Land Lease. Established in 2013, Flyby Coffee has been serving the community for 11 years as a beloved local hotspot. This well-established business specializes in high-quality, specialty coffee and beverages--both hot and cold--crafted for convenience without compromising on taste. Whether it's a freshly brewed coffee or another delicious pick-me-up, Fly By

  Zacarias Sanchez Think Real Estate

  6034 E Highway 98, Callaway, FL 32404
• 

  

  /17

  $329,000

  • 2 Beds
  • 2 Baths
  • 792 Sq Ft

  300 Tarpon Dr, Panama City Beach, FL 32413

  This home is located in the beautiful Venture Out Resort. An opportunity to own in one of the best resorts in the area. Amenities include: Boat ramp/pier, playground, lagoon pool, beach side pool and clubhouse, tennis, shuffleboard, pickleball, putt putt golf course, golf cart community. New AC replaced at the end of last summer! Home is available for Short Term Rentals and is currently on

  Randall Fisher Coastal Sun Realty LLC

  300 Tarpon Dr, Panama City Beach, FL 32413
• 

  

  /62

  $299,000

  • 2 Beds
  • 1 Bath
  • 649 Sq Ft

  223 Squid Ln, Panama City Beach, FL 32408

  Here's your chance to own in Venture Out! Check out this adorable 2-bedroom charmer. Good size living room and bedrooms. Seller has recently added shiplap in bedroom and bathroom giving the home that modern coastal charm! Perfect opportunity for investment or second home. Venture Out is a golf cart community that has exploded with popularity recently... With 300' on the beautiful pristine

  David & Kelli Sims Sims Resort Realty, Inc

  223 Squid Ln, Panama City Beach, FL 32408
• 

  

  /6

  $950,000

  • 4 Beds
  • 5 Baths
  • 2,396 Sq Ft

  5312 Thomas Dr, Panama City, FL 32408

  Welcome to Panama City Beach! This impressive three-story rental property offers breathtaking views of the Gulf and is ideally situated in the highly desirable East End of Panama City Beach. It is one of two units available for purchase together or separately. Together, both units will accommodate up to 29 guests, which is perfect for large groups of various kinds. 5312 Thomas Drive is a highly

  Melissa Ryan CENTURY 21 Ryan Realty Inc

  5312 Thomas Dr, Panama City, FL 32408

Showing Results 401 - 440, Page 11 of 18