Homes for Sale near Harmony Middle School

• 

  

  /2

  $5,000

  • Land
  • 0.32 Acre
  • $15,625 per Acre

  0 Holopaw Groves Rd Unit F10544069, Saint Cloud, FL 34772

  Own a property in Holopaw Recreational Area. Hunting, camping and recreational land.Owner finance

  Rebecca Pierce Divito Real Estate Group

  0 Holopaw Groves Rd Unit F10544069, Saint Cloud, FL 34772
• 

  

  /2

  $35,000

  • Land
  • 0.65 Acre
  • $53,846 per Acre

  0 Luna Dr Unit MFRO6266772, Saint Cloud, FL 34773

  The 0.65-acre undeveloped land on Luna Drive in Saint Cloud, FL, is situated in the Canaveral Acres community, conveniently located off Highway 192 between St. Cloud and Melbourne. This property offers flexible options for your investment goals, with no HOA restrictions. Nearby amenities include the Holopaw Community Center, featuring a park, pavilions, play area, basketball and tennis courts,

  Rocco Mohammad COLDWELL BANKER REALTY

  0 Luna Dr Unit MFRO6266772, Saint Cloud, FL 34773
• 

  

  

  /49

  $575,000

  • 6 Beds
  • 3 Baths
  • 2,560 Sq Ft

  4775 Jay Dr, Saint Cloud, FL 34772

  Welcome to your private paradise! Nestled on a serene 0.45-acre lot, this stunning 4-bedroom, 2-bath home offers the perfect blend of comfort, style, and functionality. The spacious kitchen features granite countertops, stainless steel appliances, and plenty of natural light—perfect for home chefs and family gatherings. Step outside to your screened-in porch for peaceful outdoor dining or

  Daisy Cid REMAX PREMIER PROPERTIES

  4775 Jay Dr, Saint Cloud, FL 34772
• 

  

  

  /62

  $399,000

  • 4 Beds
  • 2 Baths

  2036 Live Oak Blvd, Saint Cloud, FL 34771

  WELCOME TO THIS WELL-MAINTAINED 4 BD / 2 BTH SINGLE-FAMILY HOME IN SAINT CLOUD! OFFERING A FUNCTIONAL LAYOUT WITH SPACIOUS LIVING AREAS AND COMFORTABLE BEDROOMS, THIS HOME IS MOVE-IN READY AND FULL OF POTENTIAL. MAJOR UPDATES PROVIDE PEACE OF MIND. INCLUDING A ROOF JUST 4 YEARS AGO, BRAND NEW WELL INSTALLED IN 2024, AND SEPTIC PUMP IN 2021. ENJOY THE CHARM OF QUIET LIVING WHILE STILL BEING

  Mark Thews Equitable Company Realtors

  2036 Live Oak Blvd, Saint Cloud, FL 34771
• 

  

  

  /16

  $479,990 New Construction

  • 5 Beds
  • 3 Baths
  • 2,601 Sq Ft

  3678 Malawi Trail, St. Cloud, FL 34772

  The property is located at 3678 Malawi Trail SAINT CLOUD FL 34772 priced at 479990, the square foot and stories are 2601, 2.The number of bath is 3, halfbath is 0 there are 5 bedrooms and 2 garages. For more details please, call or email.

  D.R. Horton Builder

  3678 Malawi Trail, St. Cloud, FL 34772
• 

  

  /64

  $425,735 New Construction

  • 5 Beds
  • 3 Baths
  • 2,447 Sq Ft

  3001 House Finch Rd, Harmony, FL 34773

  Under Construction. The Robie is a two-story floorplan offering 5 bedrooms and 3 bathrooms in 2,447 square feet. Features include a modern kitchen with quartz counters, ample cabinetry and a center island. Upstairs you are greeted with a living area and primary bedroom with ensuite bathroom. Three additional bedrooms share a second upstairs bathroom and linen closet for extra storage. Your

  Stephen Cline DR HORTON REALTY OF CENTRAL FLORIDA LLC

  3001 House Finch Rd, Harmony, FL 34773
• 

  

  /18

  $387,900 New Construction

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

  7552 Bent Tree Loop, St. Cloud, FL 34773

  Own More Home for Less | Price Improvement | DROP PRICE ON this brand-new 3-bedroom, 2 full-bath home offers a rare opportunity to secure, with estimated monthly payments from $2,650 making homeownership both attainable and timely. Designed with comfort and functionality in mind, the home features 10-foot ceilings throughout, creating a bright and open atmosphere. The thoughtfully planned layout

  Michael Soto ADAMS HOMES REALTY, INC

  7552 Bent Tree Loop, St. Cloud, FL 34773
• 

  

  /13

  $38,950

  • Land
  • 1.25 Acres
  • $31,160 per Acre

  0 Shakedown St, Bull Creek, FL 34773

  In an ever-developing Florida, now is your chance to snag a piece of land over an acre in size. Located between the Atlantic Ocean and Walt Disney World, you'll be a short drive to some of the most visited destinations in Florida! Golfing, restaurants, theme parks, the beach, and so much more will be accessible with this property. No HOA, no CDD, no one breathing down your neck for making changes

  Chris Sileo SUNFLORIDA REALTY

  0 Shakedown St, Bull Creek, FL 34773
• 

  

  /35

  $574,000

  • 5 Beds
  • 3 Baths
  • 3,239 Sq Ft

  3373 Wauseon Dr, St. Cloud, FL 34772

  Major Price Improvement! Attention fishing enthusiasts-Canal front home in the highly desirable community of Hanover Lakes. This practically new home has only been used as a vacation home for 2 months each year. It features a spacious, light-filled kitchen, with upgraded appliances, quartz counters, and high speed vent hood, for the serious chef, and opens to the living and dining area, so you

  Barbara Reilly WEICHERT REALTORS HALLMARK PRO

  3373 Wauseon Dr, St. Cloud, FL 34772
• 

  

  /22

  $368,961 Open Sat 10AM - 4PM

  • 2 Beds
  • 2 Baths
  • 1,405 Sq Ft

  6456 Shimmering Shores Ln, Saint Cloud, FL 34771

  Del Webb Sunbridge is a gated 55+ active adult natural gas community offering new construction single family and villa homes with a low-maintenance lifestyle – and a Central Florida location in the center of it all. Del Webb Sunbridge offers an abundance of resort-style amenities with social events and activities centered in the 27,000-square foot clubhouse and planned by a full-time Lifestyle

  Adrienne Escott PULTE REALTY OF NORTH FLORIDA LLC

  6456 Shimmering Shores Ln, Saint Cloud, FL 34771
• 

  

  /20

  $464,900 New Construction

  • 3 Beds
  • 3.5 Baths
  • 2,540 Sq Ft

  Monroe Plan at Estates at Hickory Cove - Single-Family Homes, Haines City, FL 33844

  Make your new home the Monroe by Highland Homes, a sunny, open-layout 3-car garage home with beautiful curb appeal! The Monroe features: An open main living area along with a formal living room. A sunny, open kitchen with a counter-height island, walk-in pantry, and sunny dining cafe. Large bedrooms: Spacious primary owner's suite with a large walk-in wardrobe and en-suite bath with dual

  Highland Homes Builder

  609 Ambleside Dr Unit 37765343, Haines City, FL 33844
• 

  

  /11

  $370,000

  • Land
  • 5.19 Acres
  • $71,291 per Acre

  885 Lake Marian Rd, Kenansville, FL 34739

  Don't miss this rare opportunity to own a high and dry, partially cleared, and buildable parcel – the perfect canvas for your dream home! Whether you're planning a cozy retreat or a spacious estate, this lot offers the ideal foundation.

  Darren Miller BAIRD REALTY, LLC

  885 Lake Marian Rd, Kenansville, FL 34739
• 

  

  /7

  $49,000

  • Land
  • 0.32 Acre
  • $153,125 per Acre

  0 Holopaw Groves Rd Unit MFRO6241753, Saint Cloud, FL 34773

  Seize the chance to own a piece of Florida's agricultural future with this 0.32-acre parcel of land located on Holopaw Groves Road in St. Cloud, FL 34772. This spacious lot is zoned for agriculture, offering incredible potential for farming, homesteading, or investing in the region's expanding growth. Imagine cultivating your own crops, establishing a private rural retreat, or holding onto this

  Samih Sadiq KELLY RIGHT REAL ESTATE

  0 Holopaw Groves Rd Unit MFRO6241753, Saint Cloud, FL 34773
• 

  

  /53

  $481,999 New Construction

  • 6 Beds
  • 4 Baths
  • 3,230 Sq Ft

  Sims Plan at Trinity Place - 50' Wide, St. Cloud, FL 34771

  Welcome to The Sims, where luxury meets functionality in this stunning new home design. Boasting 6 bedrooms and 4 full baths, including a guest room with its own full bath, this residence is designed to accommodate both family and guests with ease. The expansive kitchen overlooks a spacious family room, perfect for entertaining and everyday living. Upstairs, a gathering room offers additional

  Trinity Family Builders Builder

  5989 Ali Grace Dr St Unit 36577530, St. Cloud, FL 34771
• 

  /2

  $9,500

  • Land
  • 1.26 Acres
  • $7,540 per Acre

  0 Holopaw Groves Rd Unit F10545919, Saint Cloud, FL 34772

  Holopaw property. Ride, camp and huntingOwner financing available

  Rebecca Pierce Divito Real Estate Group

  0 Holopaw Groves Rd Unit F10545919, Saint Cloud, FL 34772
• 

  

  /32

  $469,800

  • 3 Beds
  • 2 Baths
  • 1,852 Sq Ft

  3184 Songbird Cir, Harmony, FL 34773

  Unlimited Free Golf—Harmony Golf Preserve—Resort Style Living. If you would like the opportunity to play golf on this 18 hole, par 72, Johnny Miller Signature Design Course, every day of the year, read on. Check out this gorgeous 3 bedroom, 2 bath, 2 year old pool home, in the highly desirable, 55+ community, Lakes at Harmony. This beautiful home has all the bells and whistles, starting with the

  Barbara Reilly WEICHERT REALTORS HALLMARK PRO

  3184 Songbird Cir, Harmony, FL 34773
• 

  

  /5

  $29,900

  • Land
  • 1.25 Acres
  • $23,920 per Acre

  0 Holopaw Groves Rd Unit MFRO6235828, Saint Cloud, FL 34773

  Vacant land for sale on Holopaw Groves Road, St. Cloud, Florida 34773. This 1.25-acre parcel offers a great opportunity to build your custom spot or invest in a growing area known for its open space and peaceful surroundings. this property provides a quiet country feel while still being within a convenient drive to major roads, shopping, and everyday amenities. Ideal for those looking to create

  Samih Sadiq KELLY RIGHT REAL ESTATE

  0 Holopaw Groves Rd Unit MFRO6235828, Saint Cloud, FL 34773
• 

  

  /17

  $595,990 New Construction

  • 4 Beds
  • 3 Baths
  • 2,929 Sq Ft

  EVERETT Plan at Buena Lago, Saint Cloud, FL 34772

  Buena Lago presents the Everett. This amazing one-story home has an elevated designed with elegant exteriors and high-end features. The main entry exterior door welcomes you into the foyer and you'll find a formal dining room on the right. As you continue, you are greeted by an open floor plan living area. The well-appointed kitchen overlooks the living room, a dining room, and an oversized

  D.R. Horton Builder

  3928 Magenta Place Unit 36202596, Saint Cloud, FL 34772
• 

  

  /6

  $75,000

  • Land
  • 0.23 Acre
  • $326,087 per Acre

  1849 Bonnie Dr, Saint Cloud, FL 34771

  Just shy of a quarter acre. Beautifully cleared lot with shade trees off of Bass Highway just steps from the lake

  Debbie Lynn FLORIDA REALTY RESULTS LLC

  1849 Bonnie Dr, Saint Cloud, FL 34771
• 

  

  /8

  $417,990 New Construction

  • 4 Beds
  • 3 Baths
  • 1,988 Sq Ft

  Hibiscus Plan at Twin Lakes - The Reserve, St. Cloud, FL 34772

  Open floor plan creates a unified living space with a large great room that overlooks the kitchen and dining area. The primary suite is tucked in the rear of the home offering plenty of privacy and features a spacious walk-in closet and shower.

  Meritage Homes Builder

  5185 Springrise Dr Unit 37076769, St. Cloud, FL 34772
• 

  

  /51

  $687,000

  • 5 Beds
  • 3.5 Baths
  • 2,915 Sq Ft

  2347 Nuthatch St, Saint Cloud, FL 34771

  Welcome home to this spacious single-family residence with 9-foot ceilings throughout, located in the highly desirable Live Oak Lake community of Saint Cloud, Florida. This thoughtfully designed home offers an open-concept layout filled with natural light, recessed lighting, and tile flooring in the main living areas, creating a bright and inviting atmosphere ideal for both everyday living and

  Aline Easterly META ONE REALTY GROUP LLC

  2347 Nuthatch St, Saint Cloud, FL 34771
• 

  

  /5

  $15,000

  • Land
  • 1.52 Acres
  • $9,868 per Acre

  0 Suburban Ests Sec 31 5224 002n Unit MFRS5130437, Saint Cloud, FL 34773

  This property is for recreational use only. Owning a lot in Suburban Estates entitles you to a key for the main gate andentry to Suburban Estates. Suburban Estates covers over 11,000+ acres of land which is known for camping, fourwheeling,fishing, hunting, etc. This is not a buildable lot. Owner does not have key to gate. Please call agent if you arenot familiar with Suburban Estates.

  Darin Crane FLORIDA REALTY RESULTS LLC

  0 Suburban Ests Sec 31 5224 002n Unit MFRS5130437, Saint Cloud, FL 34773
• 

  

  /44

  $479,000

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

  5371 Jubiloso Dr, St. Cloud, FL 34771

  Welcome to 5371 Jubiloso Dr, where comfort, versatility, and Florida living come together beautifully in the heart of Saint Cloud. This inviting home features a thoughtfully designed layout filled with natural light, offering warm and welcoming spaces perfect for everyday living and entertaining.Step inside to discover an open-concept floor plan that flows effortlessly from the main living

  Syliam Reyes FLORIDA CAPITAL REALTY

  5371 Jubiloso Dr, St. Cloud, FL 34771
• 

  /2

  $9,500

  • Land
  • 1.24 Acres
  • $7,661 per Acre

  0 Holopaw Groves Rd Unit F10544612, Saint Cloud, FL 34772

  Holopaw property. Ride, camp and hunt. Owner financing available

  Rebecca Pierce Divito Real Estate Group

  0 Holopaw Groves Rd Unit F10544612, Saint Cloud, FL 34772
• 

  

  /29

  $394,900

  • 4 Beds
  • 2 Baths
  • 1,816 Sq Ft

  2715 Slash Way, Saint Cloud, FL 34771

  4.75% ASSUMABLE RATE AVAILABLE — skip today’s higher rates and the months-long wait for NEW CONSTRUCTION when this home is MOVE-IN READY TODAY and priced BELOW NEARBY BASE-MODEL NEW BUILDS. Instead of paying thousands more for builder upgrades, you’re getting the most in-demand features already done: a FULLY FENCED YARD, UPGRADED CABINET HARDWARE, and ADDITIONAL KITCHEN LIGHTING that elevates

  Charles Watson MARK SPAIN REAL ESTATE

  2715 Slash Way, Saint Cloud, FL 34771
• 

  /2

  $28,500

  • Land
  • 3.77 Acres
  • $7,560 per Acre

  0 Holopaw Groves Rd Unit F10548139, Saint Cloud, FL 34772

  Camping, hunting and riding land in HolopawOwner financing available

  Rebecca Pierce Divito Real Estate Group

  0 Holopaw Groves Rd Unit F10548139, Saint Cloud, FL 34772
• 

  

  /27

  $332,590 New Construction

  • 3 Beds
  • 2.5 Baths
  • 1,409 Sq Ft

  6517 Horseshoe Lane Way, St. Cloud, FL 34773

  Ready in March! 2 Level Townhome with 3 Bedrooms! Under Construction. Welcome to the Carmel, a spacious and thoughtfully designed floorplan in the desirable Cyrene community at Harmony. This home boasts 1409 of luxurious living space, offering 3 bedrooms, 2.5 bathrooms, and a wealth of features that cater to both comfort and style. Step inside to an inviting open-concept layout where natural

  DRB Homes Builder

  6517 Horseshoe Lane Way, St. Cloud, FL 34773
• 

  

  /6

  $29,000

  • Land
  • 1.24 Acres
  • $23,387 per Acre

  0 Holopaw Groves Rd Unit MFRO6241872, Saint Cloud, FL 34773

  Explore the possibilities with this expansive 1.24-acre agricultural lot on Holopaw Groves Road in St. Cloud, Florida 34772. Offering ample space for farming, livestock, or creating a private rural retreat, this property provides the freedom and flexibility to bring your vision to life. Surrounded by wide-open landscapes and natural Florida beauty, it delivers a peaceful, secluded environment

  Samih Sadiq KELLY RIGHT REAL ESTATE

  0 Holopaw Groves Rd Unit MFRO6241872, Saint Cloud, FL 34773
• 

  

  /6

  $416,900 New Construction

  • 4 Beds
  • 2.5 Baths
  • 2,202 Sq Ft

  4014 Sagefield Dr, Harmony, FL 34773

  MOVE IN READY TWO-STORY 4 BEDROOM, 2.5 BATH ENERGY EFFICIENT HOME WITH A SPACIOUS OPEN FLOOR PLAN. THE OPEN KITCHEN FEATURES GRANIT COUNTERTOPS, TALL UPPER CABINETS, STAINLESS STEEL WHIRLPOOL APPLIANCES, AND A LARGE ISLAND WITH SEATING FOR SIX, OVERLOOKING A GENEROUS FAMILY ROOM, PERFECT FOR ENTERTAINING. ALL BEDROOMS ARE UPSTAIRS WITH GREAT NATURAL LIGHT. ARCHITECTURAL DETAILS INCLUDE 5 1/4 INCH

  William Medina ADAMS HOMES REALTY, INC.

  4014 Sagefield Dr, Harmony, FL 34773
• 

  

  /50

  $465,000

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

  2095 Sola Vista Ave, Saint Cloud, FL 34771

  MOTIVATED SELLER** SOLAR PANELS INCLUDED** Welcome to this MULTIGENERATIONAL corner property featuring a thoughtfully designed layout perfect for extended family living or rental income potential. This well-maintained home offers the unique advantage of a completely separate in-law suite with its own private entrance, ensuring privacy and independence for all occupants, a full kitchen, laundry

  Daniel Rivera Vazquez KELLER WILLIAMS LEGACY REALTY

  2095 Sola Vista Ave, Saint Cloud, FL 34771
• 

  

  /3

  $29,000

  • Land
  • 0.1 Acre
  • $290,000 per Acre

  0 N A Unit MFRO6241767, Kenansville, FL 34739

  Take advantage of this 0.10-acre agricultural lot located in Kenansville, Florida 34739. Perfect for small-scale farming, gardening, or creating a private rural retreat, this compact parcel offers a peaceful setting surrounded by Florida’s natural landscape. With convenient access to nearby roadways and local amenities, it combines seclusion with practicality. Whether you’re looking to start an

  Samih Sadiq KELLY RIGHT REAL ESTATE

  0 N A Unit MFRO6241767, Kenansville, FL 34739
• 

  /2

  $35,700

  • Land
  • 1.5 Acres
  • $23,800 per Acre

  81 Magnolia Dr, Yeehaw Junction, FL 34972

  Coner lot 1.5 Acres, Good Area in Okeechobee Florida.

  Minerva Perez Partnership Realty Inc.

  81 Magnolia Dr, Yeehaw Junction, FL 34972
• 

  

  /32

  $599,900

  • 4 Beds
  • 2 Baths
  • 1,800 Sq Ft

  441 Spoonbill Ct, Kenansville, FL 34739

  This stunning 4BD/2BA waterfront home in the desirable Lake Marian Shores offers luxury, comfort, and privacy. Situated on a quiet cul-de-sac, the property features a spacious 2-car garage, an open-concept living area with soaring ceilings, and a gourmet kitchen with Wolf and Sub-Zero appliances, quartz countertops, and custom cabinetry. Enjoy the serene private dock slip for boating and fishing,

  Alvaro Vargas Gonzalez Keller Williams Realty of VB

  441 Spoonbill Ct, Kenansville, FL 34739
• 

  

  /6

  $433,990 New Construction

  • 4 Beds
  • 3 Baths
  • 2,105 Sq Ft

  6080 Vision Rd, St. Cloud, FL 34771

  Under Construction. Discover our only quick-delivery Miles plan available with no rear neighbors, offering privacy and style in a thoughtfully designed open-concept plan. This beautiful home features impressive 9'4" ceilings, 4 bedrooms, and 3 full baths with a desirable split-bedroom layout. The oversized Great Room overlooks a rear covered Lanai—ideal for entertaining or relaxing outdoors—while

  Stephen Wood RISEWELL HOMES FLORIDA LLC

  6080 Vision Rd, St. Cloud, FL 34771
• 

  

  /7

  $370,990

  • 3 Beds
  • 2 Baths
  • 1,552 Sq Ft

  626 Peg Ct, Saint Cloud, FL 34772

  This home is immaculately clean and well maintained and only used as a primary residence since 2021 when it was originally purchased from the builder. Home has solar panels you will have saving on your electric bill. Kitchen is contemporary with solid stone counters, large floating island, stainless steel appliances, and closet style pantry. The large living/dining area provides great space for

  Edith Chavez RIGHT CHOICE REALTY & SERVICES, INC.

  626 Peg Ct, Saint Cloud, FL 34772
• 

  

  /29

  $415,000

  • 4 Beds
  • 2 Baths
  • 1,950 Sq Ft

  3960 Guernsey Bend, Saint Cloud, FL 34772

  Perfecto, Alejandro.Ahora sí vamos a venderla como lo hace un productor que entiende lifestyle + inversión + percepción de valor. ?? 3960 Guernsey – St. Cloud, FL 347724 Welcome to a property where design, comfort, and future value come together in one of Central Florida’s strongest growth markets. This beautifully maintained residence features 4 spacious bedrooms, ideal for families,

  Alejandro Rodriguez AROD PARTNERS REALTY

  3960 Guernsey Bend, Saint Cloud, FL 34772
• 

  

  /12

  $389,990 New Construction

  • 3 Beds
  • 2 Baths
  • 1,672 Sq Ft

  2834 House Finch Rd, Harmony, FL 34773

  The property is located at 2834 House Finch Road ST CLOUD FL 34773 priced at 389990, the square foot and stories are 1672, 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

  2834 House Finch Rd, Harmony, FL 34773
• 

  

  /5

  $29,000

  • Land
  • 1.28 Acres
  • $22,656 per Acre

  0 Holopaw Groves Rd Unit MFRO6241637, Saint Cloud, FL 34773

  Explore the possibilities with this expansive 1.28-acre agricultural lot on Holopaw Groves Road in St. Cloud, Florida 34772. Offering ample space for farming, livestock, or creating a private rural retreat, this property provides the freedom and flexibility to bring your vision to life. Surrounded by wide-open landscapes and natural Florida beauty, it delivers a peaceful, secluded environment

  Samih Sadiq KELLY RIGHT REAL ESTATE

  0 Holopaw Groves Rd Unit MFRO6241637, Saint Cloud, FL 34773
• 

  

  /59

  $375,000

  • 3 Beds
  • 2 Baths
  • 1,894 Sq Ft

  4568 Baler Trails Dr, Saint Cloud, FL 34772

  You’ve seen the photos—now imagine moving into this beautifully updated, truly move-in-ready home in St. Cloud’s sought-after Gramercy Farms community, which blends comfort, style, and an easygoing Florida lifestyle. A single-story home with three bedrooms, two bathrooms, and a flexible bonus space, the layout works effortlessly whether you need a home office, formal dining area, or extra living

  Kyle Madorin UPWELL REALTY LLC

  4568 Baler Trails Dr, Saint Cloud, FL 34772
• 

  

  /12

  $325,000

  • Land
  • 2.39 Acres
  • $135,983 per Acre

  0 Story Rd, Saint Cloud, FL 34772

  Beautiful 2.38-acre builder-ready lot with all major improvements already completed. Property includes a 24x36 framed shop, fully installed and septic system, and 200 amp underground electrical service. Small horse stables are located at the rear of the property. The land is cleared with large mature trees offering privacy and shade. Ideal for building your dream home with room for animals,

  Stephanie Jeffcoat TIE TEAM REALTY LLC

  0 Story Rd, Saint Cloud, FL 34772

Showing Results 401 - 440, Page 11 of 18