702

Saint Cloud, FL Homes for Sale with No HOA Fee

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  • /44

    $414,990

    • 4 Beds
    • 2 Baths
    • 2,256 Sq Ft

    1863 Ashton Park Place, Saint Cloud, FL 34771

    Welcome to this beautifully upgraded 4-bedroom, 2-bath home in the heart of St. Cloud, perfectly designed for modern living and entertainment. Featuring an open-concept floor plan filled with natural light, a gourmet kitchen with granite countertops and stainless steel appliances, and spacious living areas, this residence offers both comfort and style. Step outside to your private backyard oasis

    Vivian Pascual La Rosa Realty Kissimmee

    1863 Ashton Park Place, Saint Cloud, FL 34771
  • /4

    $675,000 New Construction

    • 4 Beds
    • 2 Baths
    • 2,128 Sq Ft

    6465 Bay Shore Dr, Saint Cloud, FL 34771

    Under Construction. UNDER CONSTRUCTION This is a brand new 4 bedroom/2 bath home on a half-acre lot that is currently being built and is designed by the builder's own pre-selected features and finishes. This home is located in a beautiful rural area of St Cloud with NO HOA. This home has many upgrades including double microwave/oven combo, glass top cooktop, custom cabinets, dual sinks in master

    Keith Gordon GETMOREOFFERS

    6465 Bay Shore Dr, Saint Cloud, FL 34771
  • /33

    $475,000

    • 8 Beds
    • 5 Baths
    • 3,344 Sq Ft

    9396 Luna Dr, St. Cloud, FL 34773

    2 Homes on 1.3 Acres. Primary Home built in 2023- 5 Bed 3 Bath, Guest Home 3 Bed 2 Bath. No deed restrictions. Perfect for a multi-generational family household, Income producing rental or Air B&B. 1 hour Drive to Disney & Melbourne Beach. Easy access to amenities.

    Christopher Gleason Christopher Cory Gleason PA

    9396 Luna Dr, St. Cloud, FL 34773
  • /5

    $29,900

    • Land
    • 1.24 Acres
    • $24,113 per Acre

    0 Holopaw Groves Rd Unit MFRO6235821, Saint Cloud, FL 34773

    Secure your piece of the great outdoors with this expansive 1.24-acre vacant residential lot located on Holopaw Groves Road in St. Cloud, FL 34772. This generous parcel is situated in an area often associated with the Suburban Estates community, which is well-known for offering recreational use to landowners, providing access to thousands of acres for activities like four-wheeling, hunting,

    Samih Sadiq KELLY RIGHT REAL ESTATE

    0 Holopaw Groves Rd Unit MFRO6235821, Saint Cloud, FL 34773
  • /2

    $416,640 New Construction

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

    2907 Hornbill Dr, St. Cloud, FL 34772

    Open floor plan creates a unified living space with a large great room that overlooks the kitchen.

    Jones Homes USA Builder
    2907 Hornbill Dr, St. Cloud, FL 34772
  • /17

    $148,000

    • 2 Beds
    • 1 Bath
    • 1,030 Sq Ft

    1740 Missouri Ave, St. Cloud, FL 34769

    Discover this affordable two-bedroom, one-bathroom mobile home centrally located in St. Cloud. This home is not located inside of a mobile home park and there is NO lot rent! Step inside to find stylish vinyl plank flooring throughout the main living areas and carpet in both bedrooms. Enjoy the spacious Florida room—perfect for year-round relaxation or entertaining guests. Convenient alley access

    Steven Durrance FLORIDA PINES REALTY, LLC

    1740 Missouri Ave, St. Cloud, FL 34769
  • /61

    $659,000

    • 4 Beds
    • 2 Baths
    • 1,947 Sq Ft

    1150 Eden Dr, Saint Cloud, FL 34771

    Discover a rare opportunity offering two adjacent parcels with direct water access via canal. This 4-bedroom, 2-bath home, built in 2006 and situated on a 0.3-acre lot, features 1,947 sq ft of living space along with a dedicated golf cart garage/shed and an additional storage shed. Included in the sale is the adjacent parcel (26-25-31-4370-0001-0900), complete with a boat house featuring power

    Tommy Harris DALTON WADE INC

    1150 Eden Dr, Saint Cloud, FL 34771
  • /6

    $75,000

    • Land
    • 0.22 Acre
    • $340,909 per Acre

    2408 Lake Lizzie Ct, Saint Cloud, FL 34771

    Location is key and this prime piece of commercial real estate is located just 1.5 miles from the NEW Amera Center Community Development. There are 7 lots to be sold together for a total of 1.33 acres. These lots are the perfect location for a small shopping plaza, medical or dental office building, or restaurant. Survey is being completed. All lots are zoned OCR (Osceola Commercial Restricted)

    Jamie Langford COLDWELL BANKER REALTY

    2408 Lake Lizzie Ct, Saint Cloud, FL 34771
  • /17

    $120,000

    • 2 Beds
    • 2 Baths
    • 1,040 Sq Ft

    18 17th St, Saint Cloud, FL 34769

    Auction Property. ONLINE AUCTION: Bidding begins 1/1/2026 @ 11:00 AM. Bidding ends 1/5/2026 @ 12:00 PM. List Price is Suggested Opening Bid. Deposit: $20,000. Move-in ready 2BR/2BA home in the heart of Saint Cloud with NO HOA. This solid home features major updates completed approx. 2018, including a Shingle Roof, A/C system, Water Heater, and energy-efficient windows. The interior offers a split

    Adam Shpritz ASHLAND AUCTION GROUP

    18 17th St, Saint Cloud, FL 34769
  • /37

    $3,800,000

    • 3 Beds
    • 3.5 Baths
    • 2,760 Sq Ft

    2360 Live Oak Lake Rd, Saint Cloud, FL 34771

    Welcome to your own private paradise! Nestled on 17.13 stunning lakefront acres along the shores of Live Oak Lake, this rare and unique property offers the perfect blend of luxury, privacy, and functionality. With 1,075 feet of direct lake frontage, gorgeous mature trees, and plenty of space to roam, this is the ideal setting for those seeking a waterfront retreat, multigenerational living, or

    Tawnie McMorrow TIE TEAM REALTY LLC

    2360 Live Oak Lake Rd, Saint Cloud, FL 34771
  • /14

    $49,900

    • 2 Beds
    • 2 Baths

    3304 Osage Ct Unit 275, St. Cloud, FL 34769

    Lisa Bennett Great Florida Living, Inc.

    3304 Osage Ct Unit 275, St. Cloud, FL 34769
  • /12

    $492,900 New Construction

    • 3 Beds
    • 3 Baths
    • 2,410 Sq Ft

    Everly Plan at Lancaster Park East - Gardens at Lancaster Park, St. Cloud, FL 34771

    Welcome home to the Everly by Highland Homes, a sunny, spacious, open-layout home featuring three suites, a spacious kitchen, and outdoor living space! The Everly features: A spacious, open kitchen with a large counter-height island, walk-in pantry, and adjacent sunny dining cafe. Three private bedroom suites: Primary owner's suite with a large walk-in wardrobe and en-suite bath with dual

    Highland Homes Builder
    5386 Duxford Cir Unit 37315678, St. Cloud, FL 34771
  • /7

    $175,000

    • Land
    • 1.05 Acres
    • $166,667 per Acre

    0 Bridle Path, Saint Cloud, FL 34771

    This beautiful one-acre lot is located in Bay Lake Ranch. Snow Construction is ready to build your dream home! Property has been cleared and is high/dry. Also included is a partially enclosed pole barn for all your toys or critters. The barn is 43' x 32' with 3 stalls and a 30' x 12' enclosed storage room. Great location! Just a few minutes away from 192, Narcoossee Road and Harmony. A short

    Tina Howes SNOW REALTY AND INVESTMENTS INC

    0 Bridle Path, Saint Cloud, FL 34771
  • /17

    $463,990 New Construction

    • 4 Beds
    • 3 Baths
    • 2,631 Sq Ft

    Primrose Plan at The Meadow at Crossprairie - Single Family, St. Cloud, FL 34772

    Entertain guests with ease with an open kitchen which overlooks the dining and great room. First floor flex space can be best used to fit your family's needs. Upstairs primary suite features an oversized walk-in closet.

    Meritage Homes Builder
    4671 Homestead Trail Unit 37076755, St. Cloud, FL 34772
  • /2

    $7,990

    • Land
    • 1.24 Acres
    • $6,444 per Acre

    0 Holopaw Groves Rd Unit O6047151, Saint Cloud, FL 34771

    Located in Suburban Estate, this is a Recreational Use only and as of Today, no Certificate of Occupancy will be Granted by the Authority. The use of 4 Wheel Drive is needed to access this property and a key entrance purchase from the SEPA Club is requires.

    Manuel Minier MAGNUS REALTY GROUP LLC

    0 Holopaw Groves Rd Unit O6047151, Saint Cloud, FL 34771
  • /25

    $249,900

    • 3 Beds
    • 3 Baths
    • 1,273 Sq Ft

    2309 Betsy Ross Ln Unit 2309, Saint Cloud, FL 34769

    WELCOME TO YOUR DREAM HOME! THIS STUNNING THREE-BEDROOM, THREE-BATHROOM TOWNHOME IS READY FOR YOU TO CALL IT YOUR OWN. FROM THE MOMENT YOU STEP INSIDE, YOU'LL FALL IN LOVE WITH THE OPEN FLOOR PLAN AND BEAUTIFUL TRAVERTINE FLOORING THROUGHOUT, CREATING A BRIGHT AND SPACIOUS ATMOSPHERE PERFECT FOR DAILY LIVING AND SPECIAL MOMENTS.ENJOY YOUR MORNING COFFEE OR EVENING RELAXATION ON THE

    Yennifer Salazar EXP REALTY LLC

    2309 Betsy Ross Ln Unit 2309, Saint Cloud, FL 34769
  • /11

    $150,000

    • 3 Beds
    • 2 Baths
    • 1,296 Sq Ft

    3832 Covington Dr, St. Cloud, FL 34772

    Manufactured Home on Leased Land with Lot Rent. Welcome to this charming 3-bedroom, 2-bath manufactured home located in a desirable all-age community in St. Cloud, Florida. The primary bedroom features a private en-suite bathroom, while the second and third bedrooms, along with the additional bath, are situated on the opposite side of the home for added privacy. The open-concept living and

    Donovan Frantz Weichert, Realtors - Hallmark Properties

    3832 Covington Dr, St. Cloud, FL 34772
  • /2

    $7,900

    • Land
    • 1.25 Acres
    • $6,320 per Acre

    0 Holopaw Groves Rd Unit MFRS5065358, Saint Cloud, FL 34771

    Are you ready to be "off the grid"? Don't miss this opportunity to own a 1.25 acre lot in the sought after Recreational Area of Suburban, east of St Cloud. Bring your ATV, Campers, Tent and outdoor toys. This is your chance to experience all the fun you are hearing about. This lot is dry, right off a main trail. This is a recreational property not a homestead, you can park a RV or Motorhome and

    Kris van der Snel CORCORAN CONNECT LLC

    0 Holopaw Groves Rd Unit MFRS5065358, Saint Cloud, FL 34771
  • /30

    $44,900

    • 648 Sq Ft

    1002 Arizona Ave Unit 11, Saint Cloud, FL 34769

    This home has been completely remodeled and is in like new condition. Experience elevated Florida Living at 1002 Arizona Ave lot 11, nestled in an exclusive and peaceful 55+ active community in the heart of Saint Cloud, Florida. This beautiful and well maintained residence offers a bright, functional layout with best in class finishes. Luxury vinyl plank flooring all throughout the home. Generous

    Gary DeMarigny USA Mobile & Manufactured Home Sales, LLC.

    1002 Arizona Ave Unit 11, Saint Cloud, FL 34769
  • /6

    $1,500,000

    • Land
    • 5.54 Acres
    • $270,758 per Acre

    5455 N Eagle Rd, Saint Cloud, FL 34771

    The property includes two structures that require demolition.Residential zoning. Selling AS-ISLocated just 4 miles from Saint Cloud Commons Shopping Center, offering convenient access to a variety of shops and dining options. St. Cloud Regional Medical Center is a mere 6 miles away, ensuring healthcare services are within easy reach. For families, the nearest elementary school is only 3

    Viktoriya Goyal VIKTORIYA GOYAL REALTY

    5455 N Eagle Rd, Saint Cloud, FL 34771
  • /3

    $437,000

    • Land
    • 4.57 Acres
    • $95,624 per Acre

    0 Delaware Ave Unit MFRO6209200, St. Cloud, FL 34769

    Located across the street from St. Cloud Middle School and two blocks from St. Cloud High School, this 4.57-acre lot is primely located with frontage along Delaware Ave. The current owner has preliminary site plans for 9 townhomes. From this location, you are five minutes from Downtown St. Cloud, the Lakefront Beach Park with lake access, a number of parks and outdoor recreation activities, and

    Joseph Doher BERKSHIRE HATHAWAY HOMESERVICES RESULTS REALTY

    0 Delaware Ave Unit MFRO6209200, St. Cloud, FL 34769
  • /12

    $49,900

    • 2 Beds
    • 2 Baths

    325 Rosedale Ave Unit 55, Saint Cloud, FL 34769

    Gabriel Dumeng AMAZING MOBILE HOMES LLC

    325 Rosedale Ave Unit 55, Saint Cloud, FL 34769
  • /39

    $534,990

    • 4 Beds
    • 3 Baths
    • 2,376 Sq Ft

    455 Orange Ave, Saint Cloud, FL 34769

    Brand New Roof Coming Soon! This beautifully maintained 4 bedroom, 3 bath home is situated on an oversized 0.82 acre lot with NO HOA, giving you the freedom to bring your boat, RV, and trailers. The garage has been thoughtfully converted into an oversized bonus room, offering endless possibilities! With the roof being fully replaced before closing, you’ll move in with peace of mind. Step inside

    Julianna Milan LPT REALTY, LLC

    455 Orange Ave, Saint Cloud, FL 34769
  • /3

    $512,990 New Construction

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

    Penta Plan at Weslyn Park at Sunbridge - Frontier Series, Saint Cloud, FL 34771

    Introducing The Penta, a home distinguished by its enduring design and impeccable craftsmanship. This residence exudes a classic style that seamlessly integrates functional layouts with remarkable attention to detail. The second floor of the home showcases all the bedrooms, providing a private and cozy space. Additionally, The Penta offers a small casita suite at the front of the home, perfectly

    Craft Homes Builder
    6406 Rover Way Unit 36498743, Saint Cloud, FL 34771
  • /48

    $1,290,000

    • 4 Beds
    • 3 Baths
    • 3,352 Sq Ft

    1600 E 10th St, Saint Cloud, FL 34771

    One or more photo(s) has been virtually staged. Welcome to Your No-HOA Oasis! OWNER FINANCING AVAILABLE for qualified buyers, making this exceptional property even more accessible! Experience nearly 5 acres of privacy and natural beauty in this stunning 4-bedroom, 3-bath pool home offering 3,352 sq. ft. of living space. The home features brand-new, large windows throughout, providing gorgeous

    April Richey THE PROPERTY PROS REAL ESTATE, INC

    1600 E 10th St, Saint Cloud, FL 34771
  • /3

    $490,364 New Construction

    • 4 Beds
    • 3 Baths
    • 2,051 Sq Ft

    Tarragon Plan at Pine Grove Reserve, St. Cloud, FL 34771

    An inviting covered entry welcomes guests to the inspired Tarragon plan. Pass two bedrooms, a shared bath, a flex room and a laundry on your way to a spacious great room with an adjacent covered patio. The well-appointed kitchen boasts a center island, a walk-in pantry and a dining nook. Showcasing a generous walk-in closet and an attached bath with double sinks, the lavish primary suite offers

    Richmond American Homes Builder
    6085 River Farm Avenue St Unit 36867651, St. Cloud, FL 34771
  • /28

    $190,000

    • 2 Beds
    • 2 Baths
    • 1,104 Sq Ft

    2054 Bradley Dr, St. Cloud, FL 34771

    Welcome to this charming 1979 two-bed, two-bath mobile home that’s brimming with character and ready for new owners! As you arrive, you’ll find not one, but two carports-one leading up a concrete drive to a cozy enclosed screen room that welcomes you inside.Freshly painted throughout, this home offers a bright and inviting atmosphere. The kitchen features white cabinets, dark green

    Sami Ogle IRON VALLEY REAL ESTATE OSCEOLA

    2054 Bradley Dr, St. Cloud, FL 34771
  • /14

    $399,990 New Construction

    • 3 Beds
    • 2 Baths
    • 2,021 Sq Ft

    Panama Plan at The Crossings, St. Cloud, FL 34771

    The Panama single-family home is what you always pictured for yourself. Step in from the 2-car garage or front porch and pass the first of 3 spacious bedrooms and a full bath with double vanity. A versatile flex space can be used as an office, a study, or a 4th bedroom. In the dining area, prepare to be wowed. This space is highlighted by a gourmet kitchen with a large island overlooking a lanai

    Ryan Homes Builder
    5874 Piney Shrub Place Unit 36142189, St. Cloud, FL 34771
  • /45

    $315,000

    • 2 Beds
    • 2 Baths
    • 1,106 Sq Ft

    109 Dakota Ave, Saint Cloud, FL 34769

    Two bedroom two bath block house with large pool and pool area it's a must see. No HOA and just a block away from the lakefront! NEW ROOF LIVINGROOM FRESHLY PAINTED-Owner Motivated to sell. Owner is a wear some cosmetic work may want to get done. Home is being sold AS-IS for seller's convenience

    Gayla Holaway AAA LUX VILLAS, INC.

    109 Dakota Ave, Saint Cloud, FL 34769
  • /4

    $220,000

    • Land
    • 2.5 Acres
    • $88,000 per Acre

    0 Bob White Trail Unit MFRS5125018, Saint Cloud, FL 34772

    ** PRICE REDUCED!! GREAT OPPORTUNITY TO BUILD YOUR CUSTOM HOME ON THIS 2.5 ACRES LOT LOCATED IN THE HEART OF ST. CLOUD. THIS IS ONE OF 6 LOTS AVAILABLE FOR SALE. NO HOMEOWNERS ASSOCIATION TO DEAL WITH, NO CDD FEES TO PAY. THE PROPERTY IS ALSO IN PROXIMITY TO SHOPPING AREAS, HIGHWAYS AND ESSENTIAL SERVICES, ENHANCING DAILY CONVENIENCES. DONT MISS OUT ON OWNING THIS FABULOUS PIECE OF PROPERTY TO

    Reshma Munjal CENTURY 21 ALL HOMES & PROPERT

    0 Bob White Trail Unit MFRS5125018, Saint Cloud, FL 34772
  • /29

    Price To Be Determined New Construction

    • 4 Beds
    • 3 Baths
    • 2,745 Sq Ft

    CONRAD Plan at Buena Lago, Saint Cloud, FL 34772

    Coming soon to Buena Lago. Discover this stunning 4-bedroom, 3-bathroom home in the desirable Buena Lago community, featuring serene lake lots for a picturesque setting. Built with all-concrete block construction for added durability, this home boasts an open-concept layout with a spacious kitchen, large center island, expansive pantry, and modern finishes—perfect for both everyday living and

    D.R. Horton Builder
    3928 Magenta Place Unit 36202595, Saint Cloud, FL 34772
  • /20

    $329,990 New Construction

    • 3 Beds
    • 2.5 Baths
    • 1,463 Sq Ft

    2946 Brie Hammock Bend, Saint Cloud, FL 34773

    The property is located at 2946 Brie Hammock Bend SAINT CLOUD FL 34773 priced at 329990, the square foot and stories are 1463, 2.The number of bath is 2, halfbath is 1 there are 3 bedrooms and 1 garages. For more details please, call or email.

    D.R. Horton Builder
    2946 Brie Hammock Bend, Saint Cloud, FL 34773
  • /14

    $398,010 New Construction

    • 4 Beds
    • 2.5 Baths
    • 2,114 Sq Ft

    4562 Homestead Trail, Saint Cloud, FL 34772

    Open first floor boasts a spacious great room and dining area that flow seamlessly together. Upstairs primary suite features an oversized walk-in closet, dual sinks, and a standing shower.

    Meritage Homes Builder
    4562 Homestead Trail, Saint Cloud, FL 34772
  • /27

    $319,990 New Construction

    • 3 Beds
    • 2.5 Baths
    • 1,463 Sq Ft

    2967 Brie Hammock Bend, St. Cloud, FL 34773

    The property is located at 2967 Brie Hammock Bend SAINT CLOUD FL 34773 priced at 319990, the square foot and stories are 1463, 2.The number of bath is 2, halfbath is 1 there are 3 bedrooms and 1 garages. For more details please, call or email.

    D.R. Horton Builder
    2967 Brie Hammock Bend, St. Cloud, FL 34773
  • /22

    $469,990 New Construction

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

    6553 Rover Way, Saint Cloud, FL 34771

    Welcome to 6553 Rover Way, a beautifully designed two-story home located in the desirable Weslyn Park community at Sunbridge. This 3-bedroom, 2.5-bath residence offers approximately 2,018 square feet of thoughtfully crafted living space, highlighted by soaring high ceilings in the living room that create a spacious, airy atmosphere filled with natural light. The open-concept layout seamlessly

    Craft Homes Builder
    6553 Rover Way, Saint Cloud, FL 34771
  • /20

    $495,900 New Construction

    • 4 - 5 Beds
    • 3 Baths
    • 2,460 Sq Ft

    Waylyn Plan at Lancaster Park East - Gardens at Lancaster Park, St. Cloud, FL 34771

    Welcome home to the Waylyn by Highland Homes! This spacious, open-layout home features a classic Craftsman-style exterior combined with the convenience of a modern interior with flexible plan options, spacious bedrooms, and a luxurious design. The Waylyn features: A spacious, open living area that flows seamlessly from the: Large, sunny gathering room. Open kitchen with a counter-height island,

    Highland Homes Builder
    5386 Duxford Cir Unit 37315705, St. Cloud, FL 34771
  • /34

    $369,000

    • 4 Beds
    • 2 Baths
    • 1,625 Sq Ft

    3315 Rambler Ave, Saint Cloud, FL 34772

    Welcome to your dream home in the highly sought-after St. Cloud Manor! This beautifully remodeled 4-bedroom, 2-bathroom home offers the perfect balance of freedom, space, and peace of mind. Step inside to discover brand-new flooring throughout, fresh interior and exterior paint, and upgraded baseboards that create a clean, modern feel. The stunning kitchen is the heart of the home, featuring

    Joseph Collins TIE TEAM REALTY LLC

    3315 Rambler Ave, Saint Cloud, FL 34772
  • /5

    $49,000

    • Land
    • 2.52 Acres
    • $19,444 per Acre

    0 Holopaw Groves Rd Unit MFRO6240994, Saint Cloud, FL 34773

    Seize the chance to own a piece of Florida's agricultural future with this 2.52-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 MFRO6240994, Saint Cloud, FL 34773
  • /4

    $29,000

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

    0 Holopaw Groves Rd Unit MFRO6240999, Saint Cloud, FL 34773

    Seize the chance to own a piece of Florida's agricultural future with this 1.24-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 MFRO6240999, Saint Cloud, FL 34773
  • /71

    $1,025,000

    • 4 Beds
    • 4 Baths
    • 3,087 Sq Ft

    1190 Sugar Belt Dr, Saint Cloud, FL 34771

    Experience country elegance and modern craftsmanship in this custom-built farmhouse on a full acre—no HOA, no water or sewer bills, and every upgrade you could dream of. Constructed with solid concrete block, this 2004 residence offers 3,087 sq ft of heated living space (4,574 sq ft total under roof), wrapped in timeless curb appeal and thoughtful design. Inside you’ll find solid wood flooring,

    Justin Pekarek ORLANDO PROPERTY ADVISORS

    1190 Sugar Belt Dr, Saint Cloud, FL 34771

Showing Results 481 - 520, Page 13 of 18

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