Santa Rosa County FL Homes under $300,000

• 

  

  

  /31

  $100,000

  $50K PRICE DROP

  • 3 Beds
  • 2 Baths
  • 1,294 Sq Ft

  6709 Betty Ln, Navarre, FL 32566

  *As-Is Cash Sale Opportunity* This 1294 square foot Double Wide Manufactured Mobile Home is being sold in its current 'as-is' condition. The roof is 3 years old. There is mold in the ceiling of the master bathroom, so please enter with caution. Key details include:- 3 bedrooms, 2.0 bathrooms- Located on a beautiful lot with public water and septic- Electricity available *Important Notes:*- Cash

  

  Rhonda Musch

  Equity & Trust Realty Inc

  6709 Betty Ln, Navarre, FL 32566
• 

  

  

  /9

  $170,000

  $20K PRICE DROP

  • Land
  • 19,994 Sq Ft
  • $370,370 per Acre

  0 Voyager Dr, Milton, FL 32583

  Welcome to Bay Point Retreat, where your dream home can become a reality on this stunning waterfront lot. Nestled in a tranquil and secluded location, this property offers breathtaking sunrises and sunsets, providing you with the ultimate serene setting. Whether you're an avid fisherman or simply enjoy the tranquility of the water, this location is perfect for you. Picture yourself entertaining

  

  Sandra Brown

  Better Homes And Gardens Real Estate Main Street Properties

  0 Voyager Dr, Milton, FL 32583
• 

  

  

  /3

  $30,000

  • Land
  • 7,013 Sq Ft
  • $186,335 per Acre

  12 Ave Unit Lot 18, Milton, FL 32583

  Rare opportunity to own one lot nestled along a quiet dirt road in an up-and-coming area. This parcel offers the perfect canvas for the right owner with vision—ideal for building a fabulous custom home or holding as an investment as the area continues to grow. Enjoy the charm and privacy of a less-developed setting while still being part of a neighborhood on the rise. With flexibility, potential,

  Natalie Cukjati

  Better Homes And Gardens Real Estate Main Street Properties

  12 Ave Unit Lot 18, Milton, FL 32583
• 

  

  /2

  $100,000

  • Land
  • 1.75 Acres
  • $57,143 per Acre

  0 Opossum Trail, Milton, FL 32583

  Around 1.75 acre lake front wooded lot.

  

  Tracey McDonald

  Hurd Real Estate & Company LLC

  0 Opossum Trail, Milton, FL 32583
• 

  

  

  /20

  $104,900

  $11K PRICE DROP

  • 3 Beds
  • 2 Baths
  • 1,300 Sq Ft

  6158 Syrcle Ave, Milton, FL 32570

  Unfinished Remodel Opportunity in the Heart of Milton, FL – Priced to Sell! Seize the chance to own a partially renovated home in downtown Milton, Florida, with a price that reflects its current state and will increase as renovations progress. This contractor-owned property is undergoing a transformation, offering a unique opportunity for buyers to capitalize on the master plan and customize the

  

  Tracey McMackin

  BLUMAC REALTY

  6158 Syrcle Ave, Milton, FL 32570
• 

  

  /23

  $175,000

  $20K PRICE DROP

  • Land
  • 6,534 Sq Ft
  • $1,166,667 per Acre

  8269 Navarre Pkwy, Gulf Breeze, FL 32566

  Exceptional Navarre Beach development opportunity. Offered is one of two available parcels (each priced the same), zoned R2 with flexible residential use including single-family, townhomes, and carriage homes. Parcel is currently .30 acres and planned to be split into two .15-acre homesites. Both lots will enjoy beautiful views of the Navarre Beach Sound and include easement access to the

  

  Bridgett Hall-Cotton

  A List Beach Realty LLC

  8269 Navarre Pkwy, Gulf Breeze, FL 32566
• 

  

  /7

  $75,000

  • Land
  • 30,927 Sq Ft
  • $105,634 per Acre

  .71 Acres Avalon Blvd, Milton, FL 32583

  Ready to build your dream home with a view? This 0.71-acre, R-1-zoned parcel offers a beautiful water view of Escambia Bay, making it an excellent opportunity for both builders seeking their next project & homeowners envisioning a private retreat. With ample space and a desirable location, this property delivers the flexibility & setting you've been searching for. Commuter-friendly and

  

  Susan De Leon

  COLDWELL BANKER REALTY

  .71 Acres Avalon Blvd, Milton, FL 32583
• 

  

  /9

  $147,000

  • Land
  • 24,175 Sq Ft
  • $264,865 per Acre

  BLK 224 Avalon Blvd, Milton, FL 32583

  SELLING BOTH PARCELS TOGETHER: 40-1N-28-0090-22400-0010 & 40-1N-28-0090-22400-0240. This unique commercial property consists of two adjoining parcels, creating a larger combined lot with 100 feet of road frontage on a high-visibility corner on Avalon Blvd. With a dedicated turn lane already in place for easy access and close proximity to the I-10 exit, this location offers excellent potential for

  

  Travis Talley

  KELLER WILLIAMS REALTY GULF COAST

  BLK 224 Avalon Blvd, Milton, FL 32583
• 

  

  /6

  $47,000

  • Land
  • 21,780 Sq Ft
  • $94,000 per Acre

  7-A Buffler Dr, Avalon, FL 32583

  Approximately 1/2 Acre Interior Lot located in a waterfront subdivision. Other interior lots and lake front lots also for sale. ~See plat map for details

  

  Alexis Bolin

  KELLER WILLIAMS REALTY GULF COAST

  7-A Buffler Dr, Avalon, FL 32583
• 

  

  /25

  $67,000

  $40K PRICE DROP

  • Land
  • 40,510 Sq Ft
  • $72,043 per Acre

  4529 & 4533 Bayside Dr, Mulat, FL 32583

  Discover the perfect setting for your dream home(s) with these two stunning, partially cleared adjacent lots, each approximately 1/2 acre, located just across the street from Escambia Bay. Together, they offer nearly an acre of prime land, ideal for building one or two houses. Enjoy ample uplands for construction, and rest easy knowing that no one will build behind you. A wetlands study is

  

  Andy McKeown

  KELLER WILLIAMS REALTY GULF COAST

  4529 & 4533 Bayside Dr, Mulat, FL 32583
• 

  

  /20

  $38,500

  $27K PRICE DROP

  • Land
  • 2.02 Acres
  • $19,059 per Acre

  0 Kingsley Place, Navarre, FL 32566

  Rare Waterfront Opportunity in Navarre! Presenting 2.02 acres of prime waterfront land with incredible potential for development. This property features approximately 1 acre of buildable land—perfect for a custom single-family residence—while offering both privacy and convenience just off Highway 87. For boating enthusiasts, the East boat launch is right across the highway. The parcel includes 47

  

  Terri Steck

  Better Homes And Gardens Real Estate Main Street Properties

  0 Kingsley Place, Navarre, FL 32566
• 

  

  /31

  $238,000

  • 2 Beds
  • 1.5 Baths
  • 1,304 Sq Ft

  4469 Arcadia St, Milton, FL 32583

  Charming and completely renovated A-frame style home full of character and modern updates! This unique property features a spacious covered front porch, plus a large rear deck overlooking the fenced backyard. Inside you'll find fresh neural finishes, luxury vinyl plank flooring, updated lighting, and abundant natural light throughout. Freshly updated kitchen featuring an open layout with crisp

  

  Tammy Bohannon

  Upside Realty LLC

  4469 Arcadia St, Milton, FL 32583
• 

  

  /3

  $65,000

  • Land
  • 20,908 Sq Ft
  • $135,417 per Acre

  0000 28th Ave, Milton, FL 32583

  Large vacant lot! Make your vision a reality. Minutes from I-10 and Garcon Point Bridge make this lot convenient to Pensacola, Milton, Pace, shopping, medical, beaches, restaurants and more.

  

  Travis Crow

  CENTURY 21 AMERISOUTH REALTY

  0000 28th Ave, Milton, FL 32583
• 

  

  /28

  $279,900

  New Construction

  • 3 Beds
  • 2 Baths
  • 1,400 Sq Ft

  2991 N 13th Ave, Milton, FL 32583

  Brand-New Construction in Milton! Welcome to 2991 N. 13th Ave, a beautifully crafted 3-bedroom, 2-bath home offering approximately 1,400 square feet of thoughtfully designed living space on a 0.16-acre lot. Built in 2026, this home blends modern style, quality craftsmanship, and energy-efficient features. The open-concept floor plan is filled with natural light and showcases durable waterproof

  Gabriel Garcia

  Better Homes And Gardens Real Estate Main Street Properties

  2991 N 13th Ave, Milton, FL 32583
• 

  

  /38

  $240,000

  New Construction

  • 3 Beds
  • 2 Baths
  • 1,250 Sq Ft

  00 29th Ave, Milton, FL 32583

  This is a Pre Sale, you can choose your upgrades. Imagine a charming, single-story home, a classic cottage. The facade features warm, textured vinyl in earthy tones, giving it a timeless, welcoming feel. The covered front porch is a standout, with a gabled roof supported by custom columns. The porch is spacious enough for rocking chairs, perfect for enjoying a morning coffee. The low-maintenance

  

  Tracey McMackin

  BLUMAC REALTY

  00 29th Ave, Milton, FL 32583
• 

  

  /17

  $259,400

  New Construction

  • 3 Beds
  • 2 Baths
  • 1,130 Sq Ft

  3032 N 11th Ave, Milton, FL 32583

  This Craftsman-style home is currently under construction and already shows great quality throughout. It features LVP flooring, granite countertops, and clean trim work that gives the home a sharp, finished look. One of the biggest advantages right now is timing. Since the home is still being built, you may have the chance to choose some of the remaining finishes and make it feel more like your

  

  DYLAN WILLIAMS

  1st Class Real Estate Panhandle

  3032 N 11th Ave, Milton, FL 32583
• 

  

  /26

  $279,900

  New Construction

  • 3 Beds
  • 2 Baths
  • 1,400 Sq Ft

  2995 N 13th Ave, Milton, FL 32583

  Brand-New Construction in Milton! Welcome to 2995 N. 13th Ave, a beautifully crafted 3-bedroom, 2-bath home offering approximately 1,400 square feet of thoughtfully designed living space on a 0.16-acre lot. Built in 2026, this home blends modern style, quality craftsmanship, and energy-efficient features. The open-concept floor plan is filled with natural light and showcases durable waterproof

  Gabriel Garcia

  Better Homes And Gardens Real Estate Main Street Properties

  2995 N 13th Ave, Milton, FL 32583
• 

  

  /20

  $240,000

  New Construction

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

  00 S 29th Ave, Milton, FL 32583

  Cottage Style Vinyl New Construction! Home (Sample Photos). The open floor plan is light and bright with a 14' Vaulted Ceiling, Open Living, Dining, & Kitchen area. This Custom Kitchen has Beautiful Cabinets, a Pantry, Long Breakfast Bar, Stainless upgraded appliances, Built in Microwave, Deep Stainless Sink, Granite Counter Tops, so much Prep space. The Main Bedroom is split and has two windows,

  

  Tracey McMackin

  Blumac Realty

  00 S 29th Ave, Milton, FL 32583
• 

  /2

  $297,990

  New Construction

  • 3 Beds
  • 2 Baths
  • 1,685 Sq Ft

  Denham Plan at Southern Palms - Cornerstone, Milton, FL 32571

  Welcome to the Denham floorplan, where art and family come together in a grand hallway that invites you to showcase your cherished artwork and family portraits. As you embark on a journey through this delightful space, you’ll discover the first of many living retreats. This hallway leads you to two comfortable spare bedrooms, a guest bath, and a convenient linen closet.Continuing further into

  Holiday Builders Builder

  4582 Sago Palm Cir Unit 36872649, Milton, FL 32571
• 

  /2

  $293,990

  New Construction

  • 3 Beds
  • 2 Baths
  • 1,516 Sq Ft

  Addison Plan at Avalon, Milton, FL 32583

  Introducing the Addison, a floorplan from our Value collection. This thoughtfully designed split layout features 3 bedrooms, 2 baths, and a spacious 2-car garage. The great room seamlessly blends with the dining area and kitchen, creating an open and inviting space perfect for hosting gatherings and celebrating holidays.The owners’ suite is a private retreat, boasting an ensuite bathroom

  Holiday Builders Builder

  4374 Rice Rd Unit 38635607, Milton, FL 32583
• 

  

  /27

  $254,900

  New Construction

  • 3 Beds
  • 2.5 Baths
  • 1,537 Sq Ft

  The Palm Interior Plan at Parker Grove, Pace, FL 32571

  Explore the Palm, the featured floorplan of Parker Grove, our new townhome community in Pace, Florida. This plan is designed with modern amenities and the convenience of everyday life in mind. The Palm features 3 bedrooms, 2.5 bathrooms, and a 1 car garage across 1,537 square feet for interior selections. When entering the Palm from the covered porch, you are greeted by an inviting foyer on the

  D.R. Horton Builder

  4826 Tenpence Cir Unit 36198379, Pace, FL 32571
• 

  /2

  $293,990

  New Construction

  • 3 Beds
  • 2 Baths
  • 1,246 Sq Ft

  Maddox Plan at Floridatown - Value, Milton, FL 32571

  Introducing the Maddox, a 3 bedroom, 2 bath home from our Value collection. This floorplan offers a spacious and open living area, perfect for comfortable and modern living.The highlight of the Maddox is its large kitchen, providing an abundance of counter and cabinet space. With direct access to the laundry room, convenience is at your fingertips. The split floorplan ensures privacy, with

  Holiday Builders Builder

  4582 Sago Palm Cir Unit 37746431, Milton, FL 32571
• 

  

  /34

  $284,900

  New Construction

  • 3 Beds
  • 2 Baths
  • 1,568 Sq Ft

  The Lismore Plan at Liberty Farms, Milton, FL 32583

  Welcome to the Lismore Plan, at Liberty Farms, our new home community in Milton, Florida. Just under 1,600 square feet, this beautiful single- story home offers 3-bedrooms with 2-bathrooms, a 2-car garage, and a seamless open layout with charming features that are sure to make you feel right at home. As you enter the home, you are met with an inviting foyer with storage, a full guest bathroom,

  D.R. Horton Builder

  5015 Rainwater Rd Unit 39140342, Milton, FL 32583
• 

  

  /43

  $264,900

  • 3 Beds
  • 2 Baths
  • 1,284 Sq Ft

  4237 Melton Rd, Milton, FL 32583

  Welcome to this charming All Brick, 3BR/2BA home in Milton offering 1,284 sq ft of comfortable living space! This property is full of character and functionality, featuring an above-ground pool for summer fun, a storage shed and a spacious sscreened back porch--perfect for relaxing or entertaining! Tucked away in a peaceful setting, this home is conveniently located just 20 minutes from NAS

  Lorie Coogle ERA American Real Estate

  4237 Melton Rd, Milton, FL 32583
• 

  

  /29

  $272,900

  $26K PRICE DROP

  • 3 Beds
  • 2 Baths
  • 1,425 Sq Ft

  4165 Chickadee St, Milton, FL 32583

  MUST SEE!!!Meticulously maintained and move-in ready! This beautiful 3-bedroom, 2-bath home with a 2-car garage showcases exceptional pride of ownership throughout including new sod and sprinkler system. From the welcoming entryway to the spacious living areas and beautifully maintained outdoor spaces, every detail reflects years of careful care and attention. Featuring an open-concept

  Leah Allen-Delre Keller Williams Realty Navarre

  4165 Chickadee St, Milton, FL 32583
• 

  

  /32

  $270,900

  New Construction

  • 4 Beds
  • 2 Baths
  • 1,439 Sq Ft

  The Sullivan Plan at Rivers Cove, Milton, FL 32583

  Welcome to the Sullivan Plan, at Rivers Cove, our new home community in Milton, Florida. Just over 1,400 square feet, this beautiful single- story home offers 4-bedrooms with 2-bathrooms, and a seamless open layout. When entering the home, you’ll have easy access from the entry way to the first three bedrooms and guest bathroom. Continuing through the entryway you will find a large open concept

  D.R. Horton Builder

  6383 June Bug Dr Unit 36208545, Milton, FL 32583
• 

  

  /33

  $299,900

  New Construction

  • 4 Beds
  • 2 Baths
  • 1,787 Sq Ft

  The Cali Plan at Liberty Farms, Milton, FL 32583

  Welcome to the Cali Plan, at Liberty Farms, our new home community in Milton, Florida. Just under 1,800 square feet, this beautiful single- story home offers 4-bedrooms with 2-bathrooms, a 2-car garage, and a seamless open layout. As you enter the home, you are met with an inviting foyer with storage, a full guest bathroom, and a hall leading to the 2nd and 3rd secondary bedrooms. Further down

  D.R. Horton Builder

  5015 Rainwater Rd Unit 39140332, Milton, FL 32583
• 

  

  /27

  $264,900

  New Construction

  • 3 Beds
  • 2.5 Baths
  • 1,553 Sq Ft

  The Palm Exterior Plan at Parker Grove, Pace, FL 32571

  Explore the Palm, the featured floorplan of Parker Grove, our new townhome community in Pace, Florida. This plan is designed with modern amenities and the convenience of everyday life in mind. The Palm features 3 bedrooms, 2.5 bathrooms, and a 1 car garage across 1,553 square feet for exterior selections. When entering the Palm from the covered porch, you are greeted by an inviting foyer on the

  D.R. Horton Builder

  4826 Tenpence Cir Unit 36198378, Pace, FL 32571
• 

  

  /38

  $255,900

  New Construction

  • 3 Beds
  • 2 Baths
  • 1,205 Sq Ft

  The Callaway Plan at Rivers Cove, Milton, FL 32583

  Welcome to the Callaway Plan, at Rivers Cove, our new home community in Milton, Florida. Just over 1,200 square feet, this beautiful single- story home offers 3-bedrooms with 2-bathrooms, and a seamless open layout. As you enter the home, you are met with an inviting open layout of the living area and beautiful kitchen. The kitchen includes Formica countertops, stainless steel appliances, and

  D.R. Horton Builder

  6383 June Bug Dr Unit 36208544, Milton, FL 32583
• 

  

  /34

  $299,900

  New Construction

  • 3 Beds
  • 2 Baths
  • 1,568 Sq Ft

  The Lismore Plan at Rivers Cove, Milton, FL 32583

  Welcome to the Lismore Plan, at Rivers Cove, our new home community in Milton, Florida. Just under 1,600 square feet, this beautiful single- story home offers 3-bedrooms with 2-bathrooms, a 2-car garage, and a seamless open layout with charming features that are sure to make you feel right at home. As you enter the home, you are met with an inviting foyer with storage, a full guest bathroom, and

  D.R. Horton Builder

  6383 June Bug Dr Unit 36208547, Milton, FL 32583
• 

  

  /47

  $299,990

  • 3 Beds
  • 2 Baths
  • 1,194 Sq Ft

  4719 Wildwood Dr, Milton, FL 32570

  Set along 99 feet of watererfront, this updated brick home offers a rare blend of everyday comfort and outdoor living on a spacious .63-acre lot. The wide-open yard and peaceful setting immediately create a sense of space and privacy, while the water draws you in. Inside, the single-level layout is both functional and inviting, with LVP flooring throughout for a clean, cohesive feel. The living

  Jessica Duncan Duncan Real Estate Collective LLC

  4719 Wildwood Dr, Milton, FL 32570
• 

  

  /49

  $269,900

  New Construction

  • 3 Beds
  • 2 Baths
  • 1,250 Sq Ft

  5597 Riviera Dr, Milton, FL 32583

  *To be built - buyer's can still xhoose colors, options, and upgrades!* The Sasha floorplan welcomes you with a spacious, open living area featuring luxurious LVP floors. The kitchen is a chef's dream, boasting custom cabinets with soft-close hinges, a roll-out trash can, crown molding, a built-in pantry, and stainless steel appliances. This thoughtfully designed home places three bedrooms and

  Edmond English National Land Realty

  5597 Riviera Dr, Milton, FL 32583
• 

  

  /8

  $74,900

  $5K PRICE DROP

  • Land
  • 3.47 Acres
  • $21,585 per Acre

  0 E Hwy 87 Unit 26990440, Jay, FL 32565

  NEW PRICE! 3.47 in the peaceful Dixonville Community of Jay, FL. This wooded property features mature Shading Oak Trees, offering natural beauty and privacy. Ideal for building your dream home, establishing a small farm, or enjoying a nature retreat. Utilities available. Contact me today for more details and to schedule a viewing.

  Patty Davis PHD Realty LLC

  0 E Hwy 87 Unit 26990440, Jay, FL 32565
• 

  

  /3

  $89,000

  • Land
  • 2 Acres
  • $44,500 per Acre

  10855 Florida 89, Jay, FL 32565

  Crofton Farms, is a residential acreage community located in Jay, Florida, around the Allentown area of Santa Rosa County. Offering spacious 2- to 4-acre lots. It is designed for buyers seeking more privacy, room to spread out, and the flexibility to build on their own timeline all while enjoying convenient access to Jay, Pace, Milton, and surrounding communities.Special Financing

  Crofton Farms Crofton Farms

  10855 Florida 89, Jay, FL 32565
• 

  

  /6

  $169,900

  • Land
  • 6.02 Acres
  • $28,223 per Acre

  0 Daybreak Ln Unit 9, Pace, FL 32571

  Looking for a spot to build your dream home? This 6.02-acre lot in Pace/Chumuckla, FL, might be just what you’re after. No HOA. It’s high and dry, ready to go, the sunsets out here are something else. It’s nice and quiet, away from all the traffic and noise, but you’re still less than 30 minutes from Pensacola. Plus, you’ve got Publix, Target, and Piggly Wiggly in

  Bo English National Land Realty

  0 Daybreak Ln Unit 9, Pace, FL 32571
• 

  

  /6

  $199,900

  • Land
  • 13 Acres
  • $15,377 per Acre

  0 Hwy 4 Unit 27863323, Jay, FL 32565

  13 acres on Hwy 4 in the City of Jay, FL. Great location for a home since it's zoned as Agricultural Rural Residential. This property was annexed into the City of Jay and falls under RC-PUD zoning, which means it can also be built to accommodate 15 homes per acre or commercial uses. The property has about 1+ acre of wetlands in the back.Public water, power, and internet are right in front of

  Bo English National Land Realty

  0 Hwy 4 Unit 27863323, Jay, FL 32565
• 

  

  /3

  $189,900

  • Land
  • 9.42 Acres
  • $20,159 per Acre

  0 Salter Rd Unit 5, Milton, FL 32571

  Looking for a spot to build your dream home? This 9.42-acre lot in Pace/Chumuckla, FL, might be just what you’re after. No HOA. It’s high and dry, ready to go; the sunsets out here are something else. It’s nice and quiet, away from all the traffic and noise, but you’re still less than 30 minutes from Pensacola. Plus, you’ve got Publix, Target, and Piggly Wiggly in

  Bo English National Land Realty

  0 Salter Rd Unit 5, Milton, FL 32571
• 

  

  /12

  $235,000

  • Land
  • 36 Acres
  • $6,528 per Acre

  0 Robinson Point Rd Unit 26408221, Milton, FL 32583

  This property consists of acreage divided between two tracts on opposite sides of I-10 in Milton, Florida, along Robinson Point Road.The northern tract offers 10 +/- acres zoned AG-RR with 170 +/- feet of frontage along the I-10 overpass barrier. The southern tract is comprised of 26 +/- acres zoned RR1, identified as 100% wetlands via a wetlands delineation report, with 675 +/- feet of direct

  Chandler Guy National Land Realty

  0 Robinson Point Rd Unit 26408221, Milton, FL 32583
• 

  

  /11

  $49,999

  • Land
  • 16,117 Sq Ft
  • $135,132 per Acre

  3113 Evans Ave, Navarre, FL 32566

  Build your dream home on this beautiful .37-acre lot in Navarre, tucked away on a quiet, secluded street just a few hundred yards from the water. This property offers the kind of privacy that’s getting harder to find, with mature trees providing natural shade and a peaceful setting that feels far removed from the noise, while still being right in the middle of everything that makes Navarre

  Robert Jones Levin Rinke Realty

  3113 Evans Ave, Navarre, FL 32566
• 

  

  /30

  $275,000

  • Land
  • 8.01 Acres
  • $34,332 per Acre

  Lot 58 S Timber Ln, Jay, FL 32565

  Discover the beauty of NatureWalk at Pond Creek, one of the most prestigious land communities in Northwest Florida. NatureWalk is nestled amidst pine tree forests, lush greenery, scattered oaks, and natural flowing creeks. The idealistic landscape is almost "untouched," providing privacy, peace, and serenity for each lot. Lot 58 is a corner lot towards the back of the community. This 8.01-acre

  CARLA COOK Woodlands & Homes, LLC

  Lot 58 S Timber Ln, Jay, FL 32565

Showing Results 81 - 120, Page 3 of 18