479

Saint Cloud, FL Homes under $500,000

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  • /28

    $449,000 New Construction

    • 5 Beds
    • 3 Baths
    • 2,338 Sq Ft

    332 Pink Ibis Bend, St. Cloud, FL 34769

    MOTIVATED SELLER .On This stunning 5-bedroom, 3-bathroom home, built in 2023, is a true dream home located in the heart of St. Cloud. With an expansive living area of 2,958 square feet, this property offers the perfect blend of modern design, comfort, and functionality.This property features a beautifully designed backyard with exquisite finishes, creating a warm and inviting space

    Marilu Rodriguez LPT REALTY, LLC

    332 Pink Ibis Bend, St. Cloud, FL 34769
  • /7

    $407,900 New Construction

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

    4306 Sagfefield, Saint Cloud, FL 34773

    Welcome to your dream home! Closing costs are paid, plus receive FLEX Cash to buy down your interest rate and/or cover prepaids, saving you thousands with our preferred lender. This brand-new 3-bedroom, 2-bathroom residence features an upgraded kitchen with granite countertops, a large countertop peninsula, staggered 36” cabinets with crown molding, and Whirlpool stainless steel appliances.

    Michael Soto ADAMS HOMES REALTY, INC

    4306 Sagfefield, Saint Cloud, FL 34773
  • /6

    $428,900 New Construction

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

    4312 Sagefield Dr, St. Cloud, FL 34773

    Welcome to your dream home! Closing costs are paid, plus receive FLEX Cash to buy down your interest rate and/or cover prepaids, saving you thousands with our preferred lender. This brand-new 4-bedroom, 3-bathroom residence features an upgraded kitchen with granite countertops, a large countertop peninsula, staggered 36” cabinets with crown molding, and Whirlpool stainless steel appliances.

    Michael Soto ADAMS HOMES REALTY, INC

    4312 Sagefield Dr, St. Cloud, FL 34773
  • /6

    $428,900 New Construction

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

    4472 Sagefield Dr, St. Cloud, FL 34773

    Welcome to your dream home! Closing costs are paid, plus receive FLEX Cash to buy down your interest rate and/or cover prepaids, saving you thousands with our preferred lender. This brand-new 4-bedroom, 3-bathroom residence features an upgraded kitchen with granite countertops, a large countertop peninsula, staggered 36” cabinets with crown molding, and Whirlpool stainless steel appliances.

    Michael Soto ADAMS HOMES REALTY, INC

    4472 Sagefield Dr, St. Cloud, FL 34773
  • /2

    $401,990 New Construction

    • 2 Beds
    • 2 Baths
    • 1,455 Sq Ft

    7520 Castlewood Ct, St. Cloud, FL 34773

    This comfortable one-story, 2 bedroom plus den, 2 bathroom, 2-car garage home with 1,455 A/C sq. ft. is not one to miss! With a covered outdoor living space, a large primary suite that includes a walk-in closet and a four-piece bathroom, and an additional bedroom, you will fall in love with this home. Enjoy the den and host family and friends. Schedule your appointment and learn more about this

    Jessica Thomas ORLANDO PROPERTY ADVISORS

    7520 Castlewood Ct, St. Cloud, FL 34773
  • /46

    $432,000 New Construction

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

    2949 Wild Olive Dr, St. Cloud, FL 34772

    Under Construction. Brand new, energy-efficient home available NOW! Lanai, Gas Range and tankless hot water heater, Refrigerator, Washer/Dryer and Blinds. 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. Now selling from high

    Tatiana Souza MERITAGE HOMES OF FL REALTY

    2949 Wild Olive Dr, St. Cloud, FL 34772
  • /6

    $420,000 New Construction

    • 2 Beds
    • 2 Baths
    • 1,423 Sq Ft

    5031 Dancy Ln, St. Cloud, FL 34772

    Welcome to this stunning 2-bedroom, 2-bathroom home in the heart of Twin Lakes, Central Florida's Active Adult Lifestyle Community. The open concept floor plan is flooded with natural light, creating a warm and inviting atmosphere throughout. The large kitchen island is perfect for entertaining, meal prep, or casual dining. With modern finishes and plenty of storage, this home is designed for

    Jessica Thomas ORLANDO PROPERTY ADVISORS

    5031 Dancy Ln, St. Cloud, FL 34772
  • /13

    $412,900 New Construction

    • 4 Beds
    • 2 Baths
    • 1,820 Sq Ft

    4394 Sagefield Dr, St. Cloud, FL 34773

    Brand New move-in ready Home 4 bedrooms and 2 bathrooms with a conservation view. ** No back neighbors** Appliances IN STAINLESS STEEL and Receive FLEX Cash that can be used to buy down interest rate and or prepaids and closing costs assistance so this will save you thousands with preferred lender must close within 30 days. This home is perfect for entertaining with its open floor plan. The

    Michael Soto ADAMS HOMES REALTY, INC

    4394 Sagefield Dr, St. Cloud, FL 34773
  • /13

    $407,900 New Construction

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

    4306 Sagefield Dr, St. Cloud, FL 34773

    Under Construction. Under Construction Home, 3 bedrooms and 2 bathrooms. ** Receive FLEX Cash that can be used to buy down interest rate and or prepaids and closing costs assistance so this will save you thousands with prefered lenders. This home is perfect for entertaining with its open floor plan. The upgraded kitchen features granite thru out the large island and counter tops. This kitchen has

    Michael Soto ADAMS HOMES REALTY, INC

    4306 Sagefield Dr, St. Cloud, FL 34773
  • /29

    $400,000 New Construction

    • 3 Beds
    • 2 Baths
    • 1,695 Sq Ft

    5161 Springrise Dr, St. Cloud, FL 34772

    One or more photo(s) has been virtually staged. Brand new, energy-efficient home available NOW! Gas Community, Range Gas; Hot water heater tankless gas, Refrigerator, washer and dryer, blinds included, Covered Lanai, water view. Open kitchen flows to the dining space, great room and outside patio. Now selling from high $300s, The Reserve at Twin Lakes offers single-family homes in the heart of

    Tatiana Souza MERITAGE HOMES OF FL REALTY

    5161 Springrise Dr, St. Cloud, FL 34772
  • /6

    $407,900 New Construction

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

    4332 Sagefield Dr, St. Cloud, FL 34773

    Under Construction. Discover your future family home in this brand-new single-story residence featuring 3 bedrooms and 2 bathrooms that backs up to the conservation area with no rear neighbors. ***With closing costs PAID and FLEX CASH available to buy down your interest rate and/or cover prepaids, you'll save thousands with our preferred lender***. This floor plan is perfect for family living,

    Danielle Lituski ADAMS HOMES REALTY, INC.

    4332 Sagefield Dr, St. Cloud, FL 34773
  • /6

    $421,900 New Construction

    • 3 Beds
    • 2 Baths
    • 1,970 Sq Ft

    4350 Sagefield Dr, St. Cloud, FL 34773

    Welcome to your dream home! ***Closing cost PAID plus FLEX CASH that can be used to buy down interest rate and/or prepaids saving you thousands with our preferred lender!*** This brand new 3-bedroom, 2-bathroom residence offers luxurious living with an upgraded kitchen featuring granite countertops, a large countertop peninsula, and staggered 36" cabinets with crown molding. The home also

    Danielle Lituski ADAMS HOMES REALTY, INC.

    4350 Sagefield Dr, St. Cloud, FL 34773
  • /9

    $419,900 New Construction

    • 3 Beds
    • 2 Baths
    • 1,970 Sq Ft

    4284 Sagefield Dr, St. Cloud, FL 34773

    Move In Ready Home 3 bedrooms and 2 bathrooms with no back neighbors. Receive 15,000 Flex Cash to lower Interest Rates and paid for prepaids since builder will pay closing costs with preferred lender. This home is perfect for entertaining with its open floor plan. The upgraded kitchen features granite thru out the large island and counter tops. This kitchen has beautiful Whirlpool stainless steel

    Liza Carrasquillo ADAMS HOMES REALTY, INC.

    4284 Sagefield Dr, St. Cloud, FL 34773
  • /11

    $440,900 New Construction

    • 4 Beds
    • 2.5 Baths
    • 2,335 Sq Ft

    St. Cloud, FL 34773

    This is a masterpiece of architecture!!!!. This amazing home has the master bedroom downstairs and 3 bedrooms upstairs with a good size bathroom and laundry room.Beautifull granite counter tops in Kitchen and bathrooms.Our spec homes already have upgrades like crown molding, 5 and 1/4 base boards, fans in the living room and master bedroom.Right now, we have fixed 4.99 interest rate

    Liza Carrasquillo ADAMS HOMES REALTY, INC.

    St. Cloud, FL 34773
  • /10

    $432,900 New Construction

    • 4 Beds
    • 2.5 Baths
    • 2,335 Sq Ft

    3672 Sagefield Dr, St. Cloud, FL 34773

    *** Brand New move-in ready Home 4 bedrooms and 2.5 bathrooms.**RECEIVE A FIXED 4.99 INTEREST RATE WITH OUR PREFERED LENDER. THAT CAN BE A LOW PAYMENT and receive $10,000 Flex Cash and youll receive closing costs assistance with our prefered lender so this will save you thousands. This home is perfect for 7entertaining with its open floor plan. The upgraded kitchen features granite thru out the

    Liza Carrasquillo ADAMS HOMES REALTY, INC.

    3672 Sagefield Dr, St. Cloud, FL 34773
  • /10

    $433,700 New Construction

    • 4 Beds
    • 2.5 Baths
    • 2,335 Sq Ft

    3690 Sagefield Dr, St. Cloud, FL 34773

    Brand New move-in ready Home 4 bedrooms and 2.5 bathrooms.**RECEIVE A FIXED 4.99 INTEREST RATE WITH OUR PREFERED LENDER. THAT CAN BE A LOW PAYMENT and receive $20,000 Flex Cash to lower that interest rate even more, you will also receive closing costs assistance so this will save you thousands with our prefered lender you must close within 30 days.This home is perfect for entertaining with its

    Liza Carrasquillo ADAMS HOMES REALTY, INC.

    3690 Sagefield Dr, St. Cloud, FL 34773
  • /17

    $433,700 New Construction

    • 4 Beds
    • 2.5 Baths
    • 2,335 Sq Ft

    3744 Sagefield Dr, St. Cloud, FL 34773

    Brand New move-in ready Home 4 bedrooms and 2.5 bathrooms.**RECEIVE A FIXED 4.99 INTEREST RATE WITH OUR PREFERED LENDER. THAT CAN BE A LOW PAYMENT and receive $10,000 Flex Cash to lower that interest rate even more, you will also receive closing costs assistance so this will save you thousands with our prefered lender you must close within 30 days.This home is perfect for entertaining with its

    Liza Carrasquillo ADAMS HOMES REALTY, INC.

    3744 Sagefield Dr, St. Cloud, FL 34773
  • /37

    $439,000 New Construction

    • 4 Beds
    • 2 Baths
    • 1,764 Sq Ft

    9505 Luna Dr, St. Cloud, FL 34773

    One or more photo(s) has been virtually staged. NEW BUILD. **Reduced price** Welcome to your beautiful brand new home that offers plenty of natural light and space for the whole family to enjoy. Spacious 4 bedrooms and 2 gorgeous bathrooms. When you enter through the front door you will see an open concept which consists of the kitchen, dining room and living room with fireplace so everyone

    Tina McDonald OLYMPUS EXECUTIVE REALTY INC

    9505 Luna Dr, St. Cloud, FL 34773
  • /14

    $471,164 New Construction

    • 3 Beds
    • 2.5 Baths
    • 1,855 Sq Ft

    6569 Cyrils Dr, Saint Cloud, FL 34771

    One or more photo(s) has been virtually staged. Under Construction. Sample Image***Welcome to Weslyn Park in Sunbridge. A new place in the making, from the creators of Lake Nona. This new community will be filled with adventure and connected to nature. Offering miles of nature trails and outdoor activities plus, is close to the best of shopping and dining in Central Florida. Craft Homes is proud

    Nancy Pruitt OLYMPUS EXECUTIVE REALTY INC

    6569 Cyrils Dr, Saint Cloud, FL 34771
  • /2

    $459,950 New Construction

    • 4 Beds
    • 3 Baths
    • 2,170 Sq Ft

    1699 Crooked Creek Stree, Saint Cloud, FL 34771

    This home features two stories of smartly designed living space. On the main floor, an inviting kitchen is flanked by a great room and a dining nook-offering access to a relaxing covered patio. A mud room provides a convenient entry point from the garage, and a flex room is ready to fill in as a study, game room or whatever else your family requires. Upstairs, a loft provides another versatile

    Richmond American Homes

    Palm, Saint Cloud, FL 34771
  • /2

    $456,862 New Construction

    • 3 Beds
    • 2.5 Baths
    • 1,767 Sq Ft

    6561 Quest St, Saint Cloud, FL 34771

    The Gallo floorplan by Craft Homes features 1,767 square feet of modern, two-story living space. This thoughtfully designed townhome includes 3 bedrooms and 2.5 bathrooms, ideal for families or those seeking low-maintenance comfort. The open-concept first floor boasts a spacious living and dining area, plus a well-appointed kitchen perfect for entertaining. Upstairs, the private primary suite

    Craft Homes

    Gallo, Saint Cloud, FL 34771
  • /2

    $461,542 New Construction

    • 3 Beds
    • 2.5 Baths
    • 1,767 Sq Ft

    6519 Trailblaze Bend, Saint Cloud, FL 34771

    The Gallo floorplan by Craft Homes features 1,767 square feet of modern, two-story living space. This thoughtfully designed townhome includes 3 bedrooms and 2.5 bathrooms, ideal for families or those seeking low-maintenance comfort. The open-concept first floor boasts a spacious living and dining area, plus a well-appointed kitchen perfect for entertaining. Upstairs, the private primary suite

    Craft Homes

    Gallo, Saint Cloud, FL 34771
  • /2

    $458,769 New Construction

    • 3 Beds
    • 2.5 Baths
    • 1,767 Sq Ft

    6515 Trailblaze Bend, Saint Cloud, FL 34771

    The Gallo floorplan by Craft Homes features 1,767 square feet of modern, two-story living space. This thoughtfully designed townhome includes 3 bedrooms and 2.5 bathrooms, ideal for families or those seeking low-maintenance comfort. The open-concept first floor boasts a spacious living and dining area, plus a well-appointed kitchen perfect for entertaining. Upstairs, the private primary suite

    Craft Homes

    Gallo, Saint Cloud, FL 34771
  • /2

    $436,273 New Construction

    • 3 Beds
    • 2.5 Baths
    • 1,744 Sq Ft

    6535 Trailblaze Bend, Saint Cloud, FL 34771

    The Indigo floorplan by Craft Homes offers 1,744 square feet of well-designed living space across two stories. This townhome features 3 bedrooms, 2.5 bathrooms, and a spacious 2-car garage. The first floor boasts an open-concept layout with a large family room, dining area, and a modern kitchen—ideal for both everyday living and entertaining. Upstairs, the primary suite includes a walk-in closet

    Craft Homes

    Indigo, Saint Cloud, FL 34771
  • /2

    $458,600 New Construction

    • 3 Beds
    • 2.5 Baths
    • 1,767 Sq Ft

    6503 Trailblaze Bend, Saint Cloud, FL 34771

    The Gallo floorplan by Craft Homes features 1,767 square feet of modern, two-story living space. This thoughtfully designed townhome includes 3 bedrooms and 2.5 bathrooms, ideal for families or those seeking low-maintenance comfort. The open-concept first floor boasts a spacious living and dining area, plus a well-appointed kitchen perfect for entertaining. Upstairs, the private primary suite

    Craft Homes

    Gallo, Saint Cloud, FL 34771
  • /2

    $436,203 New Construction

    • 3 Beds
    • 2.5 Baths
    • 1,767 Sq Ft

    6531 Trailblaze Bend, Saint Cloud, FL 34771

    The Primrose floorplan by Craft Homes offers 1,767 square feet of well-designed living space in a modern townhome layout. This two-story home includes 3 bedrooms and 2.5 bathrooms, making it ideal for families or those seeking extra space. The open-concept first floor features a spacious living area, dining room, and kitchen—perfect for entertaining or everyday living. Upstairs, the primary suite

    Craft Homes

    Primrose, Saint Cloud, FL 34771
  • /2

    $439,254 New Construction

    • 3 Beds
    • 2.5 Baths
    • 1,744 Sq Ft

    6507 Trailblaze Bend, Saint Cloud, FL 34771

    The Indigo floorplan by Craft Homes offers 1,744 square feet of well-designed living space across two stories. This townhome features 3 bedrooms, 2.5 bathrooms, and a spacious 2-car garage. The first floor boasts an open-concept layout with a large family room, dining area, and a modern kitchen—ideal for both everyday living and entertaining. Upstairs, the primary suite includes a walk-in closet

    Craft Homes

    Indigo, Saint Cloud, FL 34771
  • /2

    $453,214 New Construction

    • 3 Beds
    • 2.5 Baths
    • 1,767 Sq Ft

    6573 Quest St, Saint Cloud, FL 34771

    The Gallo floorplan by Craft Homes features 1,767 square feet of modern, two-story living space. This thoughtfully designed townhome includes 3 bedrooms and 2.5 bathrooms, ideal for families or those seeking low-maintenance comfort. The open-concept first floor boasts a spacious living and dining area, plus a well-appointed kitchen perfect for entertaining. Upstairs, the private primary suite

    Craft Homes

    Gallo, Saint Cloud, FL 34771
  • /2

    $459,685 New Construction

    • 3 Beds
    • 2.5 Baths
    • 1,767 Sq Ft

    6539 Trailblaze Bend, Saint Cloud, FL 34771

    The Gallo floorplan by Craft Homes features 1,767 square feet of modern, two-story living space. This thoughtfully designed townhome includes 3 bedrooms and 2.5 bathrooms, ideal for families or those seeking low-maintenance comfort. The open-concept first floor boasts a spacious living and dining area, plus a well-appointed kitchen perfect for entertaining. Upstairs, the private primary suite

    Craft Homes

    Gallo, Saint Cloud, FL 34771
  • /2

    $435,621 New Construction

    • 3 Beds
    • 2.5 Baths
    • 1,744 Sq Ft

    6569 Quest St, Saint Cloud, FL 34771

    The Indigo floorplan by Craft Homes offers 1,744 square feet of well-designed living space across two stories. This townhome features 3 bedrooms, 2.5 bathrooms, and a spacious 2-car garage. The first floor boasts an open-concept layout with a large family room, dining area, and a modern kitchen—ideal for both everyday living and entertaining. Upstairs, the primary suite includes a walk-in closet

    Craft Homes

    Indigo, Saint Cloud, FL 34771
  • /2

    $435,741 New Construction

    • 3 Beds
    • 2.5 Baths
    • 1,744 Sq Ft

    6523 Trailblaze Bend, Saint Cloud, FL 34771

    The Indigo floorplan by Craft Homes offers 1,744 square feet of well-designed living space across two stories. This townhome features 3 bedrooms, 2.5 bathrooms, and a spacious 2-car garage. The first floor boasts an open-concept layout with a large family room, dining area, and a modern kitchen—ideal for both everyday living and entertaining. Upstairs, the primary suite includes a walk-in closet

    Craft Homes

    Indigo, Saint Cloud, FL 34771
  • /2

    $440,187 New Construction

    • 3 Beds
    • 2.5 Baths
    • 1,744 Sq Ft

    6511 Trailblaze Bend, Saint Cloud, FL 34771

    The Indigo floorplan by Craft Homes offers 1,744 square feet of well-designed living space across two stories. This townhome features 3 bedrooms, 2.5 bathrooms, and a spacious 2-car garage. The first floor boasts an open-concept layout with a large family room, dining area, and a modern kitchen—ideal for both everyday living and entertaining. Upstairs, the primary suite includes a walk-in closet

    Craft Homes

    Indigo, Saint Cloud, FL 34771
  • /2

    $419,900 New Construction

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

    3144 Songbird Cir, St. Cloud, FL 34773

    Welcome to this brand new single-story home featuring 3 spacious bedrooms and 2 full bathrooms. The open floor plan offers seamless flow between the living, dining, and kitchen areas—perfect for entertaining or relaxing with family. Enjoy upgraded finishes throughout, including modern fixtures, stylish flooring, and a contemporary kitchen with quality appliances.The property includes a 2-car

    Jessica Thomas ORLANDO PROPERTY ADVISORS

    3144 Songbird Cir, St. Cloud, FL 34773
  • /2

    $479,990 Open Fri 1PM - 5PM

    • 3 Beds
    • 2 Baths
    • 1,739 Sq Ft

    3012 Mirage Place, Saint Cloud, FL 34771

    *Images shown are for illustrative purposes only* HAWTHORNE MOVE IN READY HOME!! Spacious home located steps to a our community pool, parks and green spaces! This home is in one of Central Florida's fastest-growing communities, Sunbridge. There is a brand new K-8 school, future amenity center with gym, boardwalk for paddle boarding and kayaking, and a mixed used district with eateries and shops.

    Nancy Pruitt OLYMPUS EXECUTIVE REALTY INC

    3012 Mirage Place, Saint Cloud, FL 34771
  • /2

    $438,857 New Construction

    • 3 Beds
    • 2.5 Baths
    • 1,767 Sq Ft

    6527 Trailblaze Bend, Saint Cloud, FL 34771

    The Primrose floorplan by Craft Homes offers 1,767 square feet of well-designed living space in a modern townhome layout. This two-story home includes 3 bedrooms and 2.5 bathrooms, making it ideal for families or those seeking extra space. The open-concept first floor features a spacious living area, dining room, and kitchen—perfect for entertaining or everyday living. Upstairs, the primary suite

    Craft Homes

    Primrose, Saint Cloud, FL 34771
  • /2

    $457,692 New Construction

    • 3 Beds
    • 2.5 Baths
    • 1,744 Sq Ft

    2904 Voyager Ave, Saint Cloud, FL 34771

    The Indigo floorplan by Craft Homes offers 1,744 square feet of well-designed living space across two stories. This townhome features 3 bedrooms, 2.5 bathrooms, and a spacious 2-car garage. The first floor boasts an open-concept layout with a large family room, dining area, and a modern kitchen—ideal for both everyday living and entertaining. Upstairs, the primary suite includes a walk-in closet

    Craft Homes

    Indigo, Saint Cloud, FL 34771
  • /2

    $419,990 New Construction

    • 3 Beds
    • 2.5 Baths
    • 1,855 Sq Ft

    Seacrest T, St. Cloud, FL 34771

    Introducing The Seacrest, a home that embodies enduring design and meticulous craftsmanship. This exquisite townhome showcases a classic style fused with functional layouts and noteworthy details. As one of the newest additions to Craft Homes, The Seacrest offers a maintenance-free luxury living experience. The thoughtfully designed layout presents a dining room off the entry, providing

    Craft Homes

    Seacrest T, St. Cloud, FL 34771
  • /14

    $490,000

    • 5 Beds
    • 2.5 Baths
    • 2,791 Sq Ft

    3920 Southern Vista Loop, Saint Cloud, FL 34772

    Short Sale. Limited-Time Price Improvement! Seller has approved a temporary price reduction from $550,000 to $490,000, valid for the next 15 days only to encourage quick offers.Spacious property at 3920 Southern Vista Loop, Saint Cloud, FL 34772, ideal for buyers seeking opportunity and value. Seller motivated and ready to review offers quickly. Welcome to this stunning 5-bedroom,

    Luisana Soto AROD PARTNERS REALTY

    3920 Southern Vista Loop, Saint Cloud, FL 34772
  • /27

    $449,800

    • 4 Beds
    • 2.5 Baths
    • 2,414 Sq Ft

    5013 Center Ct, Saint Cloud, FL 34772

    Short Sale. ”SHORT SALE.” WATERFRONT LIVING at its best! This upgraded 2022 4-bedroom home is perfectly situated with direct canal access leading to Alligator Lake and the Osceola Chain of Lakes. The home is on a serene cul-de-sac in the sought after Hanover Lakes Community. It has an open plan concept with the kitchen, dining and family rooms flowing together and overlooking the water. The

    Kavita Uttamchandani CENTURY 21 CARIOTI

    5013 Center Ct, Saint Cloud, FL 34772

Showing Results 441 - 479, Page 12 of 12

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