1,191

Saint Augustine, FL Homes for Sale with No HOA Fee

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  • /13

    $574,990

    New Construction $20K PRICE DROP
    • 4 Beds
    • 3.5 Baths
    • 3,132 Sq Ft

    Coral Plan at Crescent Shores, St. Augustine, FL 32086

    This two-story plan brings together spacious gathering areas, private bedroom suites, and flexible spaces that evolve with your lifestyle. The main level features an expansive kitchen, family room, and nook, forming a comfortable everyday living hub with plenty of room to cook, lounge, and entertain. The kitchen includes a large island for prep and seating, a walk-in pantry for storage, and a

    Ashton Woods Builder
    50 Crescent Shores Rd Unit 39994016, St. Augustine, FL 32086
  • /33

    $78,500

    • 1 Bed
    • 1 Bath

    4225 A1a S Unit E-125, Saint Augustine, FL 32080

    Charming coastal seaside retreat in the highly desirable Ocean Grove RV Resort, just a short walk or bike ride to the beautiful sands of St. Augustine Beach. This well-maintained 1-bedroom, 1-bath home offers 546 sq. ft. of efficient coastal living, perfect as a full-time residence or vacation getaway. Recent upgrades include a 3-year-old metal roof and an AC system replaced in 2015, providing

    Betty Hodges Resale Home Solutions,LLC

    4225 A1a S Unit E-125, Saint Augustine, FL 32080
  • 78 Bismarck Palm Rd Unit 36359396, Saint Augustine, FL 32092

    $493,995

    New Construction
    • 3 - 4 Beds
    • 2 - 3 Baths
    • 2,115 Sq Ft

    Oceana Plan at Newbrook at SilverLeaf - Dogwood Collection, Saint Augustine, FL 32092

    Experience refined single-level living with the lovely Oceana. A welcoming foyer hallway leads to a casual dining area and a spacious great room with access to the beautiful covered lanai. The well-appointed kitchen is enhanced by a large center island with breakfast bar, wraparound counter and cabinet space, and an ample pantry. Highlighting the impressive primary bedroom suite is a generous

    Toll Brothers, Inc. Builder
    78 Bismarck Palm Rd Unit 36359396, Saint Augustine, FL 32092
  • /38

    $125,000

    $25K PRICE DROP
    • 3 Beds
    • 2 Baths

    245 Wildwood Dr Unit 163, Saint Augustine, FL 32086

    Welcome home to a rare find in the age-qualified land-lease community of Moultrie Oaks! This spacious one owner three-bedroom, two-bath home is ideally situated on a quiet cul-de-sac site and offers extra parking, a storage shed, and a relaxing screened room - perfect for enjoying Florida living. Built in 1998 by Palm Harbor, the home features a durable metal roof, a central air conditioner

    Betty Hodges Resale Home Solutions,LLC

    245 Wildwood Dr Unit 163, Saint Augustine, FL 32086
  • /42

    $800,000

    • 4 Beds
    • 2.5 Baths
    • 2,224 Sq Ft

    13880 County Road 13 N, Saint Augustine, FL 32092

    Endless Potential on This Rare .80-Acre Riverfront Gem!This spacious 4-bedroom, 2.5-bath home offers stunning views and direct access to the water, complete with a private dock perfect for relaxing, kayaking, or entertaining. Inside, a large loft provides the perfect flex space for a second living area, game room, or creative studio, while the balcony captures sweeping views of the

    Shonda Campanaro BERKSHIRE HATHAWAY HOMESERVICES FLORIDA NETWORK REALTY

    13880 County Road 13 N, Saint Augustine, FL 32092
  • /10

    $424,000

    New Construction $11K PRICE DROP
    • 3 Beds
    • 2.5 Baths
    • 2,002 Sq Ft

    132 Delwood Way, Saint Augustine, FL 32092

    The Settler home design seamlessly blends elegance and comfort. An inviting front porch and stunning two-story foyer present alluring views of the casual dining area and expansive two-story great room that provides easy access to the outdoor covered lanai beyond. The kitchen is well-equipped with wraparound counter and cabinet space, a sizable pantry, and a center island with breakfast bar.

    Toll Brothers, Inc. Builder
    132 Delwood Way, Saint Augustine, FL 32092
  • /2

    $98,000

    • Land
    • 11,325 Sq Ft
    • $376,923 per Acre

    298 Venetian Blvd, Saint Augustine, FL 32095

    Beautiful lot in a very desirable area in St Johns county. This school system is very desireable. Build your dream home here.This subdivision is great for nature lovers. No Hoa No Rules. A 1/4 acre lot will provide room for a nice size home. Easy commute to Jacksonville and a short trip to Historic City of St Augustine.

    Gloria Worley Century 21 St Augustine Properties

    298 Venetian Blvd, Saint Augustine, FL 32095
  • /4

    $72,000

    • Land
    • 5,227 Sq Ft
    • $600,000 per Acre

    817 W 6th St, St. Augustine, FL 32084

    Build your new home on this buildable residential lot. Buyer may choose from available local builders and floor plans. Listing price reflects the lot only. Construction pricing, plans, and upgrades are separate and available upon request. Buyer to enter into a separate construction contract with builder of choice.

    TYRONDA MYERS CENTURY 21 LIGHTHOUSE REALTY

    817 W 6th St, St. Augustine, FL 32084
  • /10

    $514,000

    New Construction $4K PRICE INCREASE
    • 3 Beds
    • 2.5 Baths
    • 2,190 Sq Ft

    317 Bedford Terrace, Saint Augustine, FL 32092

    The Halcyn s covered entry opens into a soaring two-story foyer that offers views to the impressive great room and lovely covered lanai. Defining the well-designed kitchen is a sizable casual dining area, an oversized center island with breakfast bar, wraparound counter and cabinet space, and a roomy pantry. The alluring primary bedroom suite is complete with dual walk-in closets and a gorgeous

    Toll Brothers, Inc. Builder
    317 Bedford Terrace, Saint Augustine, FL 32092
  • /11

    $409,000

    New Construction $41K PRICE DROP
    • 3 Beds
    • 2.5 Baths
    • 1,897 Sq Ft

    150 Delwood Way, Saint Augustine, FL 32092

    Discover an alluring blend of sophistication and comfort in the Lightner home design. This elegant residence boasts a dynamic, open-concept main living space, highlighted by a spacious great room that flows seamlessly into a casual dining space and outdoor covered lanai. The well-designed kitchen is defined by a large center island with breakfast bar, a large pantry, and ample counter and cabinet

    Toll Brothers, Inc. Builder
    150 Delwood Way, Saint Augustine, FL 32092
  • /4

    $499,990

    New Construction $51K PRICE DROP
    • 4 Beds
    • 3 Baths
    • 2,551 Sq Ft

    674 Foal Ridge Dr, Saint Augustine, FL 32092

    Photos are of model homes. The Sandalwood single-family home sets the standard for main-level luxury. A convenient family entry welcomes you inside to unmatched space and style. A full bath sits between 2 bedrooms, while a guest suite with full bath is found off the 3-car garage. Use the versatile flex space as a home office. The gourmet kitchen includes a large island overlooking dining space

    Ryan Homes Builder
    674 Foal Ridge Dr, Saint Augustine, FL 32092
  • /29

    $495,000

    $94K PRICE DROP
    • 3 Beds
    • 2 Baths
    • 1,505 Sq Ft

    725 Cypress Rd, Saint Augustine, FL 32086

    Rare opportunity in St. Augustine Beach! Enjoy over 1.5 acres of partially cleared, lushly landscaped land with no HOA, a true find this close to the coast. Tucked away on a quiet street with only 10 homes, this property offers privacy, space, and endless potential. Property highlights are this 3 Bedrooms, 2 Bathrooms, 1,500+ sq ft home. Two 12x30 ft sheds with electricity — ideal for a workshop,

    Marian Schneider RE/MAX PRIME PROPERTIES

    725 Cypress Rd, Saint Augustine, FL 32086
  • /11

    $1,314,900

    New Construction $184K PRICE INCREASE
    • 5 Beds
    • 4.5 Baths
    • 4,055 Sq Ft

    233 Arbor Creek Dr, St. Augustine, FL 32092

    Discover the ''Harper'' new construction home by Mastercraft Builder Group, nestled in the gated Hidden Creek neighborhood at John's Island within the no-CDD SilverLeaf community. This two-story home offers a spacious owner's suite and secondary bedroom with a full bath on the main floor, plus a versatile flex room/office, pool bath, and pocket office. Upstairs features three additional bedrooms,

    MasterCraft Builder Group Builder
    233 Arbor Creek Dr, St. Augustine, FL 32092
  • /37

    $499,999

    • 3 Beds
    • 2 Baths
    • 1,003 Sq Ft

    136 Washington St, Saint Augustine, FL 32084

    Step into a piece of St. Augustine history! This fully renovated 1930 Craftsman cottage sits in the heart of Historic Lincolnville, blending timeless character with modern updates. This move-in ready 3-bedroom, 2-bath home offers the perfect combination of charm, location, and peace of mind.From the moment you step onto the welcoming screened front porch, you'll feel the character that only a

    ANDREA WARE REAL BROKER LLC

    136 Washington St, Saint Augustine, FL 32084
  • /63

    $815,000

    $10K PRICE DROP
    • 4 Beds
    • 3.5 Baths
    • 2,861 Sq Ft

    34 Estero Ct, St. Augustine, FL 32084

    Welcome to this beautifully maintained lakefront home in St. Augustine, perfectly situated on a spacious 0.34-acre lot. Featuring 4 bedrooms and 3.5 bathrooms, this home offers a saltwater, solar-heated, screened-in pool and an expansive lanai complete with automatic hurricane shutters--ideal for enjoying Florida living year-round. Inside, you'll find ceramic tile flooring, plantation shutters,

    Justin Petrucci Beach State Realty

    34 Estero Ct, St. Augustine, FL 32084
  • /50

    $395,000

    • 3 Beds
    • 2.5 Baths
    • 1,575 Sq Ft

    241 Columbus St, St. Augustine, FL 32084

    Welcome to 241 Columbus St, a well-maintained 3 bedroom, 2.5 bathroom home with a 1-car garage and a fully fenced backyard offering both privacy and space to relax, entertain, or let pets roam freely. Inside, you’ll find durable vinyl flooring throughout and an open, spacious kitchen that flows seamlessly into the main living area, creating a bright and inviting feel that’s perfect for gatherings

    Andres Gamero DJ & Lindsey Real Estate

    241 Columbus St, St. Augustine, FL 32084
  • /13

    $269,990

    New Construction
    • 2 Beds
    • 2.5 Baths
    • 1,210 Sq Ft

    99 Playa de Luna Ln, St. Augustine, FL 32095

    Come see how the Aspen townhome plan lives so much larger than its square footage! This beautiful plan features approximately 1,210 square feet, with two bedrooms, 2.5 bathrooms. The open concept layout includes a large kitchen, dining room and gathering room. At the heart of the kitchen is a large bar where homeowners will enjoy preparing meals while entertaining family and friends. The

    99 Playa de Luna Ln, St. Augustine, FL 32095
  • /18

    $350,990

    New Construction
    • 4 Beds
    • 2 Baths
    • 1,550 Sq Ft

    WILLOW Plan, St. Augustine, FL 32084

    The Willow is a floorplan with four bedrooms and two bathrooms. The spacious 1,528 square feet features an open concept home plan with a two-car garage. The kitchen opens to a large living and dining room making it a great home for entertaining family and friends. Just off the dining room, you will find the large main suite which features a dual vanity sink and large walk-in closet. As one of our

    48 Nervion Way Unit 36201320, St. Augustine, FL 32084
  • /11

    $640,000

    • Land
    • 7.5 Acres
    • $85,333 per Acre

    7400 County Road 208, Saint Augustine, FL 32092

    Great opportunity to purchase 7.5 acres in a growing area of St Johns County. Plenty of amenities nearby and the St Johns River and boat ramp are just a short drive away.

    Kea Blalock One Sotheby's - Downtown

    7400 County Road 208, Saint Augustine, FL 32092
  • /44

    $329,500

    $55K PRICE DROP
    • 3 Beds
    • 2 Baths
    • 1,324 Sq Ft

    385 Katnack Rd, St. Augustine, FL 32095

    Private and high-and-dry 0.82-acre St. Augustine property with NO HOA offering rare flexibility and space. The renovated 3BR/2BA main home features an open floor plan, luxury vinyl plank flooring, fresh finishes, modern lighting, and an updated kitchen with quartz countertops, new cabinetry, stainless steel appliances, and a NEW 2025 A/C. Adjacent to the main home is a charming, fully remodeled

    Steven Koleno Beycome Brokerage Realty

    385 Katnack Rd, St. Augustine, FL 32095
  • /25

    $406,990

    New Construction $20K PRICE DROP
    • 4 Beds
    • 2 Baths
    • 1,908 Sq Ft

    421 Barbosa Trail, Saint Augustine, FL 32095

    The Emory home plan features a well-crafted single-story design with 3 bedrooms, 2 bathrooms, and 1,908 square feet of living space. This thoughtfully designed home boasts an open-concept layout, seamlessly integrating the gourmet kitchen, dining area, and spacious living room, perfect for both entertaining and everyday living. The additional bedrooms offer versatility and ample space for family,

    Dream Finders Homes Builder
    421 Barbosa Trail, Saint Augustine, FL 32095
  • /20

    $358,900

    • Land
    • 3,920 Sq Ft
    • $3,987,778 per Acre

    130 De Haven St, Saint Augustine, FL 32084

    Enjoy all that Historic St Augustine have to offer! Superior lot with views of the San Sebastian River! Great location for your forever Home, Vacation home, or Rental. Walking distance to downtown, the St Augustine Distillery, the St Augustine Fish Camp, Santa Monica hotel and more. ***Proposed Sebastian Inland Harbor Development nearby.*** Zoned RG-1, allows for nightly rentals ( Airbnb). City

    Dmitriy Kovalenko LANDBRIDGE REALTY GROUP LLC

    130 De Haven St, Saint Augustine, FL 32084
  • /39

    $799,000

    • 4 Beds
    • 2 Baths
    • 1,975 Sq Ft

    5398 Soundview (Pool Home) Ave, St. Augustine, FL 32080

    Welcome to ''Tiki Time'' - your private backyard oasis and the perfect blend of relaxation and investment opportunity! This beautifully maintained 4-bedroom, 2-bath home features a stunning outdoor retreat complete with a sparkling pool and spa, an oversized poolside tiki hut ideal for entertaining, and a cozy firepit for unforgettable evenings under the stars. Inside, the home shines with a

    Karen Lindsey LIGHTHOUSE REALTY ASSOCIATES

    5398 Soundview (Pool Home) Ave, St. Augustine, FL 32080
  • /23

    $289,000

    • 2 Beds
    • 2 Baths
    • 1,312 Sq Ft

    3180 Pacetti Rd Unit A, Saint Augustine, FL 32092

    Enjoy peaceful country living in the desirable World Golf Village area, just west of historic St. Augustine. This 2BR/2BA mobile home sits on 1.27 acres with quiet surroundings and plenty of potential. The home is being sold as-is, with the true value in the land and prime location. Conveniently located near I-95, downtown, schools, and business districts, with beaches, shopping, dining, and

    Harrison Lee-vann FLORIDA HOMES REALTY & MTG LLC

    3180 Pacetti Rd Unit A, Saint Augustine, FL 32092
  • /63

    $3,099,000

    • 3 Beds
    • 2 Baths
    • 2,121 Sq Ft

    106 Carver St E, Saint Augustine, FL 32080

    SEE VIDEO under 'Facts & Feature- Virtual Tour'. Once the Navy station for St. Augustine, exquisitely renovated in 2016 by Gaere MacDonald Construction, Inc. & designed by the architect Don Crichlow & Associates. Set along Salt Run waterway with shoreline stretching 167lf. Spanning 2,121sf, the home offers 3 bedrooms, 2 bathrooms, a water softener & a 3-car air conditioned garage, complemented by

    Janie Coffey EXP REALTY LLC

    106 Carver St E, Saint Augustine, FL 32080
  • /19

    $345,000

    • 4 Beds
    • 2 Baths
    • 1,200 Sq Ft

    576 Woodlawn Rd, St. Augustine, FL 32084

    With a private rear wooded view, this new Colour Home 4 bedroom 2 bath innovative floor plan features a large open living area that is perfect for families of all sizes. As with all Colour Homes, the build quality standards start with a long lasting metal roof, durable exterior siding, 2x6 exterior studs, and spray foam insulation. All resulting in a durable, low maintenance and energy efficient

    Bradford Henry COLOUR HOMES REALTY

    576 Woodlawn Rd, St. Augustine, FL 32084
  • /6

    $936,900

    New Construction $30K PRICE INCREASE
    • 3 Beds
    • 2 Baths
    • 3,163 Sq Ft

    3163MC Plan at Madeira - 65'/70'/75'/80', St. Augustine, FL 32095

    This home plan opens from a welcoming porch into an entry that flows into a spacious open family room with a wall of windows offering ample natural light. The dining area connects seamlessly to the kitchen which features an oversized walk-in pantry and island with built-in seating. The dining area sits just steps from the covered lanai for effortless indoor-outdoor living. Privately positioned at

    MasterCraft Builder Group Builder
    86 Pasarela Dr Unit 40060926, St. Augustine, FL 32095
  • /14

    $2,990,000

    • Land
    • 26.12 Acres
    • $114,472 per Acre

    3940 Florida 16, St. Augustine, FL

    This ±26.13 acre property at 3940 State Road 16 in St. Augustine, Florida offers an excellent opportunity for commercial or mixed-use development in a rapidly growing corridor. Approximately 7.57 acres of uplands provide about 523 feet of frontage along State Road 16, offering strong visibility and convenient access. The buildable area is zoned Commercial Intensive and Commercial Highway Tourist,

    Christina Welch KELLER WILLIAMS ST JOHNS

    3940 Florida 16, St. Augustine, FL
  • /18

    $794,013

    $151K PRICE DROP
    • 4 Beds
    • 2 Baths
    • 3,744 Sq Ft

    100 Pompano Rd, Saint Augustine, FL 32086

    "Rare opportunity to own a solid block, 'Old Miami' style hurricane-proof home on a massive 5.5-lot parcel. Unlike the frame houses being built today, this 3,744 sq. ft. residence offers unmatched durability, 4 bedrooms, and a huge deck with a hot tub in the heart of St. Augustine South." Near Intercostal and boat ramp. Reasonable offers accepted. House sold as is.

    Cliff Glansen FlatFee.com

    100 Pompano Rd, Saint Augustine, FL 32086
  • /42

    $1,450,000

    • 6 Beds
    • 5 Baths

    53 Sanford St, Saint Augustine, FL 32084

    Turn-Key 5-Unit Airbnb Property in the Heart of Historic Downtown St. Augustine – Fully Furnished & Ready for Immediate Income! Step into a rare opportunity to own a successful, established short-term rental property just steps from St. Augustine’s iconic attractions. This meticulously restored multi-unit gem has been thoughtfully operated as a high-performing Airbnb, delivering consistent

    Brandon Parsons St Augustine Realty

    53 Sanford St, Saint Augustine, FL 32084
  • /36

    $3,000,000

    $200K PRICE INCREASE
    • 3 Beds
    • 2 Baths
    • 1,707 Sq Ft

    5425 Windantide Rd, Saint Augustine, FL 32080

    DEEP WATER DOCKABLE just off ICW with easy access at ALL tides! RARE Find with 1.41 Acres option to sub divide into 2 separate properties! The newly remodeled in 2019, Main House 3/2 with 1707 HVAC and tons of room to expand...With large oaks and sprawling views of the ICW and 110' waterfront with rights to build your dream dock to deep water dockage less than 200'. Vaulted ceilings with 5 sets

    David Bradfield Florida Homes Realty & Mortgage

    5425 Windantide Rd, Saint Augustine, FL 32080
  • /26

    $272,990

    New Construction
    • 2 Beds
    • 2.5 Baths
    • 1,109 Sq Ft

    286 Palmetto Ridge Rd, St. Augustine, FL 32095

    The property is located at 286 Palmetto Ridge Rd SAINT AUGUSTINE FL 32095 priced at 272990, the square foot and stories are 1109, 2.The number of bath is 2, halfbath is 1 there are 2 bedrooms and 0 garages. For more details please, call or email.

    D.R. Horton Builder
    286 Palmetto Ridge Rd, St. Augustine, FL 32095
  • /16

    $2,700,000

    • Land
    • 23.43 Acres
    • $115,237 per Acre

    6489 Florida 16, St. Augustine, FL

    23.43 acres in prime location. Parcel is zoned OR - with numerous permitted uses. List of permitted OR uses found in ''Documents'' tab. Physical restoration and mitigation plan in place to give a total of approx. 13-14 usable acres.

    Stephen Edmonds Jr UNITED REAL ESTATE GALLERY

    6489 Florida 16, St. Augustine, FL
  • /53

    $665,000

    Open Sun 1PM - 3PM
    • 3 Beds
    • 2 Baths
    • 1,487 Sq Ft

    4475 N Francis Rd, St. Augustine, FL 32095

    PRIVACY. ACREAGE. HIDDEN GEM. Welcome to your own private piece of Old Florida paradise at 4475 N Francis Road in beautiful St. Augustine. Nestled beneath majestic oak trees on a spacious homesite and 2.27 ACRES., this beautifully updated property offers the perfect blend of peaceful country living and modern convenience, all less than 5 minutes from I 95. From the moment you arrive, you'll

    Haley Slightom BERKSHIRE HATHAWAY HOMESERVICES, FLORIDA NETWORK REALTY

    4475 N Francis Rd, St. Augustine, FL 32095
  • /70

    $995,000

    • 3 Beds
    • 2.5 Baths
    • 1,743 Sq Ft

    70 Oneida St, Saint Augustine, FL 32084

    Welcome to 70 Oneida Street—where thoughtful construction, modern upgrades, and an unbeatable location come together in the heart of St. Augustine. Built for both comfort and peace of mind, this home features hurricane-impact windows throughout and sits well above required flood elevation—offering added security and potential insurance advantages. A durable metal roof adds to the home’s long-term

    Shelby Hodges Keller Williams Realty Atlantic Partners St Augustine

    70 Oneida St, Saint Augustine, FL 32084
  • /54

    $875,000

    $25K PRICE DROP
    • 3 Beds
    • 2 Baths
    • 2,113 Sq Ft

    248 Pizarro Rd, Saint Augustine, FL 32080

    Waterfront Living in Treasure Beach – 3 Bed | 2 Bath Canal-Front Home! Welcome to your coastal retreat in beautiful Treasure Beach! This stunning 3-bedroom, 2-bath canal-front home offers the perfect blend of comfort, elegance, and waterfront living. Inside, you’ll find a beautifully updated kitchen featuring stainless steel appliances, gleaming granite countertops, warm wooden cabinetry, and a

    Bill Miller Coldwell Banker Premier Properties (Matanzas)

    248 Pizarro Rd, Saint Augustine, FL 32080
  • /11

    $789,000

    New Construction $10K PRICE DROP
    • 4 Beds
    • 3 Baths
    • 2,884 Sq Ft

    301 Pine Leaf Dr, Saint Augustine, FL 32092

    The Bellflower home design is a wonderful blend of quiet retreats and gathering spaces. An inviting foyer with a tray ceiling leads to a spacious great room with access to a gorgeous covered lanai for seamless entertaining. The well-equipped kitchen is open to the casual dining area and features a beautiful center island with breakfast bar, a walk-in pantry, and ample counter and cabinet space.

    Toll Brothers, Inc. Builder
    301 Pine Leaf Dr, Saint Augustine, FL 32092
  • /8

    $135,000

    • Land
    • 18,730 Sq Ft
    • $313,953 per Acre

    840 Josiah St (3 Lots), Saint Augustine, FL 32084

    Discover the possibilities with this generous 125x150 parcel (per public record) offering the rare potential to be subdivided into three separate lots. Whether you're looking to build a private estate, develop multiple homes, or invest for the future, this versatile property is a standout. With no HOA restrictions, you're free to bring your vision to life without the added constraints.

    Noah Bailey Keller Williams Realty Atlantic Partners St Augustine

    840 Josiah St (3 Lots), Saint Augustine, FL 32084
  • /25

    $799,900

    New Construction $29K PRICE DROP
    • 4 Beds
    • 3 Baths
    • 2,496 Sq Ft

    142 Pine Grove Point, St. Augustine, FL 32092

    Beautiful new construction ''Lola'' floor plan by Mastercraft Builder Group in the no CDD, gated neighborhood of Courtney Oaks at SilverLeaf. Offering 2,496 square feet, 4 bedrooms, and 3 full baths, this thoughtfully designed single-story home showcases stylish grey cabinets and pale oak RevWood flooring throughout the main living areas and the primary suite, creating a light and modern feel.

    MasterCraft Builder Group Builder
    142 Pine Grove Point, St. Augustine, FL 32092

Showing Results 441 - 480, Page 12 of 18

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