1,030

Homes for Sale near Liberty Christian Academy

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  • /9

    $2,000

    2900 State Road 17 N Unit 46, Sebring, FL 33870

    Ready to roll up your sleeves and create something special? This mobile home in Sebring is your chance to own in a desirable 55+ community-at a price that leaves plenty of room for upgrades. The home needs some TLC, but the bones are solid, and the location is hard to beat. Enjoy the Florida sunshine, peaceful surroundings, and the convenience of being close to shopping, restaurants, medical

    Jennifer Giraldo Homes by COARE

    2900 State Road 17 N Unit 46, Sebring, FL 33870
  • /7

    $250

    2900 State Road 17 N Unit RV 1, Sebring, FL 33870

    Here's your chance to scoop up an affordable mobile home in sunny Sebring, Florida. This mobile home needs a little TLC, but it's priced right and full of potential. Whether you're looking for a winter getaway, a quiet year-round home, or a smart investment, this is the one to see. Set in a peaceful 55+ community with friendly neighbors and low lot rent, this home offers a spacious layout,

    Jennifer Giraldo Homes by COARE

    2900 State Road 17 N Unit RV 1, Sebring, FL 33870
  • /11

    $2,500

    2900 State Road 17 N Unit 26, Sebring, FL 33870

    Looking for a budget-friendly home in a great Florida location? This mobile home in Sebring is ready for someone with a vision. It needs some TLC, but the potential is there to turn it into a cozy and comfortable space. Located in a quiet 55+ community, the home features a roomy layout, carport, and an exterior storage shed. It's an ideal option for a snowbird retreat, year-round living, or an

    Jennifer Giraldo Homes by COARE

    2900 State Road 17 N Unit 26, Sebring, FL 33870
  • /50

    $669,000

    • 3 Beds
    • 3 Baths
    • 2,720 Sq Ft

    1625 Karen Blvd, Sebring, FL 33870

    Welcome to your own private oasis! Nestled beneath mature shade trees, this expansive 6-acre property offers the perfect blend of comfort, functionality, and country charm. As you arrive through the solar-powered electric gate, you’ll immediately feel the tranquility that only country living can offer. The property is cross-fenced and thoughtfully set up with everything you need: an inground

    Brittany Gaudino RE/MAX REALTY PLUS

    1625 Karen Blvd, Sebring, FL 33870
  • /18

    $89,900

    • 2 Beds
    • 2 Baths
    • 1,334 Sq Ft

    613 Wilderness Cir, Sebring, FL 33872

    This well-maintained and beautifully decorated 1,316 sq. ft. offering comfort, style, and plenty of upgrades. Situated on a desirable large corner lot, this home features a double covered carport, extensive landscaping, and two storage sheds - including a large golf cart shed for added convenience. Inside, you'll find a dining room and an eat-in kitchen with upgraded cabinetry, newer

    Rhonda Pressley Gold Star Manufactured Home Sales

    613 Wilderness Cir, Sebring, FL 33872
  • /16

    $87,900

    • 3 Beds
    • 2 Baths
    • 1,344 Sq Ft

    3406 Beartooth Pass Unit 3406, Sebring, FL 33872

    Charming 3/2 .Everything you need! Fresh new flooring 2022 roof/2025 Water Heater, 2022 A/C. Enjoy cooking in the updated kitchen with brand new stainless steel appliances. Includes a new washer & dryer and comes partly furnished for easy move-in. Bright, clean, and well-maintained-ready to welcome you home! Oh and don't forget the Golf Cart!Enjoy resort-style living with access to a clubhouse,

    Patrick Crocetta Hometown America, a Manufactured Home Dealer

    3406 Beartooth Pass Unit 3406, Sebring, FL 33872
  • /22

    $149,900

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

    4152 Smoke Signal, Sebring, FL 33870

    Tanglewood 55+ Resort-Style Community If space, privacy, and modern updates are on your wish list, this stunning 2,400 sq. ft. quad home checks all the boxes! Nestled on a private, tree-lined perimeter lot in the highly desirable Tanglewood community, this home offers comfort, functionality, and resort-style living. 3 Bedrooms | 2 Bathrooms Generously sized bedrooms with a flexible

    Rhonda Pressley Gold Star Manufactured Home Sales

    4152 Smoke Signal, Sebring, FL 33870
  • /50

    $2,000,000

    • 4 Beds
    • 5 Baths
    • 4,900 Sq Ft

    1831 Lakeview Dr, Sebring, FL 33870

    RARE OPPORITUNTY TO OWN ONE OF SEBRING'S MOST ICONIC PROPERTIES! Built in 1923 and masterfully restored, this historically significant estate is perched on the white sandy shores of Lake Jackson and just 3 blocks to the vibrant "Sebring Circle"- now in the national spotlight thanks to HGTV'S "HOMETOWN TAKEOVER"Designed for both elegant entertaining and everyday comfort, the home features

    Robert Kroeger Sun N Lake Realty

    1831 Lakeview Dr, Sebring, FL 33870
  • /10

    $41,000

    • Land
    • 0.21 Acre
    • $195,238 per Acre

    4276 N Course Ln, Avon Park, FL 33825

    Shovel-Ready Lot in Sought-After 55+ Gated Community – Highlands Ridge, FloridaLooking to build your dream home in a vibrant 55+ community? Look no further than this shovel-ready lot in the prestigious Highlands Ridge neighborhood! Nestled in the heart of Florida, this gated community offers everything you need for an active and fulfilling lifestyle.Highlands Ridge is more than just a place to

    Drew Bishop Keller Williams Realty Fort Myers and the Islands

    4276 N Course Ln, Avon Park, FL 33825
  • /9

    $51,000

    • Land
    • 0.24 Acre
    • $212,500 per Acre

    4504 Birdies Ct, Avon Park, FL 33825

    Shovel-Ready golf course Lot in Sought-After 55+ Gated Community – Highlands Ridge, FloridaLooking to build your dream home in a vibrant 55+ community? Look no further than this shovel-ready lot in the prestigious Highlands Ridge neighborhood! Nestled in the heart of Florida, this gated community offers everything you need for an active and fulfilling lifestyle.Highlands Ridge is more than just a

    Drew Bishop Keller Williams Realty Fort Myers and the Islands

    4504 Birdies Ct, Avon Park, FL 33825
  • /8

    $61,000

    • Land
    • 0.19 Acre
    • $321,053 per Acre

    4212 N Course Ln, Avon Park, FL 33825

    Shovel-Ready Lot in Sought-After 55+ Gated Community – Highlands Ridge, FloridaLooking to build your dream home in a vibrant 55+ community? Look no further than this shovel-ready lot in the prestigious Highlands Ridge neighborhood! Nestled in the heart of Florida, this gated community offers everything you need for an active and fulfilling lifestyle.Highlands Ridge is more than just a place to

    Drew Bishop Keller Williams Realty Fort Myers and the Islands

    4212 N Course Ln, Avon Park, FL 33825
  • /10

    $61,000

    • Land
    • 0.19 Acre
    • $321,053 per Acre

    4224 N Course Ln, Avon Park, FL 33825

    Shovel-Ready golf course Lot in Sought-After 55+ Gated Community – Highlands Ridge, FloridaLooking to build your dream home in a vibrant 55+ community? Look no further than this shovel-ready lot in the prestigious Highlands Ridge neighborhood! Nestled in the heart of Florida, this gated community offers everything you need for an active and fulfilling lifestyle.Highlands Ridge is more than just a

    Drew Bishop Keller Williams Realty Fort Myers and the Islands

    4224 N Course Ln, Avon Park, FL 33825
  • /11

    $41,000

    • Land
    • 0.19 Acre
    • $215,789 per Acre

    4278 N Course Ln, Avon Park, FL 33825

    Shovel-Ready Lot in Sought-After 55+ Gated Community – Highlands Ridge, FloridaLooking to build your dream home in a vibrant 55+ community? Look no further than this shovel-ready lot in the prestigious Highlands Ridge neighborhood! Nestled in the heart of Florida, this gated community offers everything you need for an active and fulfilling lifestyle.Highlands Ridge is more than just a place to

    Drew Bishop Keller Williams Realty Fort Myers and the Islands

    4278 N Course Ln, Avon Park, FL 33825
  • /10

    $41,000

    • Land
    • 0.19 Acre
    • $215,789 per Acre

    4296 N Course Ln, Avon Park, FL 33825

    Shovel-Ready Lot in Sought-After 55+ Gated Community – Highlands Ridge, FloridaLooking to build your dream home in a vibrant 55+ community? Look no further than this shovel-ready lot in the prestigious Highlands Ridge neighborhood! Nestled in the heart of Florida, this gated community offers everything you need for an active and fulfilling lifestyle.Highlands Ridge is more than just a place to

    Drew Bishop Keller Williams Realty Fort Myers and the Islands

    4296 N Course Ln, Avon Park, FL 33825
  • /9

    $40,000

    • Land
    • 0.21 Acre
    • $190,476 per Acre

    3970 Puma Dr, Avon Park, FL 33825

    Discover your ideal homesite in the prestigious Highlands Ridge 55+ Golf Community, offering a serene and vibrant lifestyle in Avon Park, Florida. This build-ready lot presents a rare opportunity to customize your dream home amidst lush greenery and picturesque views.Residents of Highlands Ridge enjoy an active lifestyle with access to two championship golf courses, perfect for both seasoned

    Drew Bishop Keller Williams Realty Fort Myers and the Islands

    3970 Puma Dr, Avon Park, FL 33825
  • /11

    $41,000

    • Land
    • 0.23 Acre
    • $178,261 per Acre

    Unlisted Address

    Shovel-Ready golf course Lot in Sought-After 55+ Gated Community – Highlands Ridge, FloridaLooking to build your dream home in a vibrant 55+ community? Look no further than this shovel-ready lot in the prestigious Highlands Ridge neighborhood! Nestled in the heart of Florida, this gated community offers everything you need for an active and fulfilling lifestyle.Highlands Ridge is more than just a

    Drew Bishop Keller Williams Realty Fort Myers and the Islands

    Unlisted Address
  • /12

    $32,000

    • Land
    • 0.19 Acre
    • $168,421 per Acre

    3103 Oakmont Dr, Avon Park, FL 33825

    Discover your opportunity to build in the prestigious Highlands Ridge 55 Plus Golf Community. This vacant lot offers the perfect canvas for your dream home, nestled in a serene and well-established neighborhood renowned for its scenic golf courses and vibrant community atmosphere. Enjoy the tranquility of the surrounding natural beauty and the convenience of nearby amenities, including clubhouse

    Drew Bishop Keller Williams Realty Fort Myers and the Islands

    3103 Oakmont Dr, Avon Park, FL 33825
  • /23

    $79,900

    • 1 Bed
    • 2 Baths
    • 1,046 Sq Ft

    3101 San Francisco Ln, Sebring, FL 33870

    LOCATION LOCATION LOCATION in the Highlands or Heart of Florida, Historic with Great Elevations and Now Ever Famous as this Town was Part of the Newest Segment of HGTVs Home Town Takeover: Come Live the Florida Lifestyle, Full time or Part Time?? Here is your Chance... Nestled in This Desirable Area, in this Meticulously Maintained, Manufactured Home, that is Move in Ready! Large Master Bedroom,

    Jeanne Lee Wheeler CENTURY 21 Lake & Land Myers Realty

    3101 San Francisco Ln, Sebring, FL 33870
  • /32

    $307,000

    • 3 Beds
    • 2 Baths
    • 1,826 Sq Ft

    4005 Carter Creek Dr, Avon Park, FL 33825

    Live the Florida lifestyle you’ve been dreaming of in this beautifully updated home located in the highly desirable 55+ community of Highlands Ridge in Avon Park.With 1,826 sq ft under air and 2,279 total sq ft, this spacious and well-appointed residence is perfectly suited for comfort, entertaining, and easy living. Nestled among scenic orange groves just south of the frost line,

    David Small KELLER WILLIAMS REALTY SMART 1

    4005 Carter Creek Dr, Avon Park, FL 33825
  • /32

    $218,000

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

    2527 Davis Cir, Sebring, FL 33870

    Edgewater Village is a 55+ community with resort-style ammenities. This half duplex has a split floor plan with two bedrooms and two bathrooms. One of the larger units in the subdivision with a spacious floor plan located on a corner lot and offering a large living room, breakfast nook, dining room and a flex space that can be used as a den, study or home office with an additional back patio.

    Julie Waters BHHS Florida Properties Group

    2527 Davis Cir, Sebring, FL 33870
  • /33

    $33,000

    • 2 Beds
    • 2 Baths
    • 984 Sq Ft

    1463 Whisper Cir Unit 121, Sebring, FL 33870

    -Canal Lot- -Florida Room Addition with AC- -Large bedrooms- This home is being sold mostly furnished, providing comfort from the moment you step inside. The open floor plan kitchen, living, and dining area create a spacious and welcoming atmosphere, perfect for entertaining guests or relaxing with loved ones. The large front bedroom features a bright and sunny bay window, creating a

    Jill Richardson CRF Communities

    1463 Whisper Cir Unit 121, Sebring, FL 33870
  • /41

    $224,900

    • 2 Beds
    • 2 Baths
    • 1,443 Sq Ft

    3612 Golf Haven Terrace, Sebring, FL 33872

    LOVELY HOME on nicely landscaped lot with decorative concrete curbing. Located in the desirable 55+ neighborhood of Cormorant Point in the golfing community of Golf Hammock. Featuring 2 bedrooms, 2 baths, a 2-car garage, plus a den or office. It's perfect for a seasonal getaway, yet large enough for a full-time residence. Great split floor plan with dining & living room, den/office & kitchen all

    Helen H.F. Ferry BHHS Florida Properties Group

    3612 Golf Haven Terrace, Sebring, FL 33872
  • /48

    $224,900

    • 2 Beds
    • 2 Baths
    • 1,334 Sq Ft

    5297 Casablanca Cir Unit V-8A, Sebring, FL 33870

    DESIRABLE VILLA in The Bluffs of Sebring. This 2 bedroom, 2 bath, 2-car garage, partially furnished villa is sure to please! Enter under a covered porch/patio area into the spacious tiled foyer and the great room beyond. The nice, bright kitchen offers gorgeous granite counter tops, plenty of wood cabinets, and a long breakfast bar overlooking the great room. There's also a separate dining area,

    Helen H.F. Ferry BHHS Florida Properties Group

    5297 Casablanca Cir Unit V-8A, Sebring, FL 33870
  • /40

    $380,000

    • 3 Beds
    • 2 Baths
    • 1,908 Sq Ft

    2225 Jackson Dr, Sebring, FL 33870

    Welcome to this beautifully maintained pool home in the heart of Sebring, Florida!This 3-bedroom, 2-bathroom residence offers a spacious and thoughtfully designed layout that blends comfort and style. Inside, you'll find vaulted ceilings, crown molding, and elegant chair rails in the dining and breakfast areas, adding a touch of sophistication throughout the home as well as it having deeded

    David Small Keller Williams Realty Smart 1

    2225 Jackson Dr, Sebring, FL 33870
  • /19

    $59,900

    • 2 Beds
    • 2 Baths
    • 960 Sq Ft

    420 E Hogan Cir, Avon Park, FL 33825

    Lot Rent Only $575/Month! Welcome to your perfect vacation retreat or year-round oasis! This beautifully maintained and fully furnished 2 bed, 2 bath home is nestled in a vibrant 55+ leased land community just steps from the clubhouse and all the exciting amenities. Enjoy peace of mind with recent updates including a 2023 rubber roof, 2013 AC, and a 2015 hot water heater. The newly

    Sue Ann Miller Gold Star Manufactured Home Sales

    420 E Hogan Cir, Avon Park, FL 33825
  • /28

    $290,000

    • 5 Beds
    • 2 Baths
    • 1,848 Sq Ft

    1803 Marian Dr, Sebring, FL 33870

    Looking for a spacious home? Well look no further! These 5 bedrooms and 2-bathroom home has plenty of space for the large family. It is centrally located and has many upgrades. The kitchen has been completely updated. It has plenty of kitchen cabinets, A sleek looking backsplash, and granite countertops. The kitchen island has additional cabinet drawers and storage space. Both bathrooms have been

    Jeniffer Padron Padilla BHHS Florida Properties Group

    1803 Marian Dr, Sebring, FL 33870
  • /7

    $1,800,480

    • Land
    • 38 Acres
    • $48,000 per Acre

    4199 Desoto City Rd, Sebring, FL 33870

    This 37.51-acre parcel is located less than 1/4 mile from US Hwy 27 in central Sebring. It offers 1,538 feet of road frontage and about 1/2 mile of railroad frontage. The property includes three wells—one 6" and two 4". Zoned Agricultural, it's suitable for uses like a nursery, bamboo, tree farm, hay, or citrus. Rezoning for Commercial, Industrial, or Residential use may be possible.

    Yezmin Restrepo ADVANTAGE REALTY #1

    4199 Desoto City Rd, Sebring, FL 33870
  • /18

    $179,900

    • 3 Beds
    • 2 Baths
    • 1,620 Sq Ft

    5635 County Road 17 S, Sebring, FL 33876

    This 2007 home offers a solid foundation with plenty of potential. Featuring 3 bedrooms, 2 bathrooms, 1,620 living square feet, and set on a rare double lot, there’s an abundance of space to make it your own—inside and out. The split floor plan provides privacy, with a primary suite that includes its own full bath and stand alone tub. The living and huge kitchen areas offer a functional layout,

    William Dibble RE/MAX REALTY PLUS

    5635 County Road 17 S, Sebring, FL 33876
  • /26

    $185,000

    • 2 Beds
    • 2 Baths
    • 1,326 Sq Ft

    4524 Lafayette Ave, Sebring, FL 33875

    Nestled in the heart of Sebring; you will find this cozy Half-Duplex. Located in the quiet neighborhood of Harder Hall. This home has 2 bedrooms and 2 bathrooms with a 1 car garage. As you step into the living room, you can see the Stone Fireplace, which provides that quaint homey feeling. The kitchen has stainless steel appliances and plenty of cabinets. It also has a nice size pantry, where you

    Jeniffer Padron Padilla BHHS Florida Properties Group

    4524 Lafayette Ave, Sebring, FL 33875
  • /19

    $110,000

    • 3 Beds
    • 2 Baths
    • 932 Sq Ft

    2007 E Robin Ave, Sebring, FL 33870

    OWN YOUR OWN LAND! NO PARK OR MANDATORY HOA! AMAZING LOCATION IN SEBRING NEAR LAKESHORE MALL! Close to Restaurants to gather with your friends! Great walking inside the Lakeshore Mall for exercise and close to the YMCA for swimming and fun scheduled activities! This home comes HOTEL READY! There are 3 Bedrooms and 2 Baths with a large space for the 3rd bedroom including having comfy chairs for

    Bill and Cyndee Bryan RE/MAX REALTY PLUS

    2007 E Robin Ave, Sebring, FL 33870
  • /26

    $89,900

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

    1731 Primrose Ln, Sebring, FL 33870

    Welcome to this beautifully maintained 3-bedroom, 2-bathroom mobile home located in a peaceful 55+ community. Offering 1,568 square feet of comfortable living space, this single-story residence features attractive wood laminate flooring throughout and sleek tile in the bathrooms. The kitchen is a standout, equipped with stainless steel appliances and ample counter space-perfect for preparing

    Wendy Jager Gold Star Manufactured Home Sales

    1731 Primrose Ln, Sebring, FL 33870
  • /34

    $75,000

    • 2 Beds
    • 2 Baths
    • 954 Sq Ft

    1461 Whisper Cir Unit 122, Sebring, FL 33870

    -New Roof- -New AC- -Screen porch on the canal- -Florida Room- This charming 2-bedroom, 2-bathroom home is nestled on the canal, making it perfect for fishing or relaxing by the water. Step inside to find a spacious open-concept living area filled with natural light.The well-appointed kitchen features updated appliances, and a cozy dining area and island. The bright and sunny Florida Room

    Jill Richardson CRF Communities

    1461 Whisper Cir Unit 122, Sebring, FL 33870
  • /28

    $225,000

    • 3 Beds
    • 2 Baths
    • 1,848 Sq Ft

    1014 S Canal Blvd, Sebring, FL 33870

    This 3 bedroom two bath home would be great for someone that wants to be by a canal. It needs some work and sellers are open to negotiations.

    Ivan Alonzo The Pipal Group

    1014 S Canal Blvd, Sebring, FL 33870
  • /19

    $690,000

    • 7 Beds
    • 4 Baths

    883 S Eucalyptus St, Sebring, FL 33870

    WOW THIS 1925 HOME WAS ONE OF THE FIRST IN DOWNTOWN, CURRENT OWNER IS THIRD OWNER IN 100 YRS.WELL MAINTAINED 5 BED 2 BATH MAIN HOUSE WITH SEPERATE TWO STORY WITH 1/1 AND 2/1 APTS BEHIND THE MAIN HOUSE. 150 X 150 LOT 17 SOLAR PANELS PAID OFF. JUST PAINTED OUTSIDE WHITE. LG FRONT PORCH TO ENJOY AND WAVE AT NEIGHBORS. SEBRING CIRCLE WITH IN WALKING DISTANCE AND ALL CITY AND COUNTY OFFICES. ITS

    Mark Wilson SEBRING REAL ESTATE PRO'S GROUP

    883 S Eucalyptus St, Sebring, FL 33870
  • /36

    $249,900

    • 3 Beds
    • 2 Baths
    • 1,319 Sq Ft

    409 Citroen Dr, Sebring, FL 33872

    Well-maintained home in Sebring Country Estates with no HOA! Featuring three bedrooms and two bathrooms, plus a bonus room that would serve well as a home office or fourth bedroom with separate entrance via the indoor laundry room. The rear of the home features a roomy primary suite with two closets and en-suite bath. Enjoy the peace of mind that comes with knowing the big ticket items like water

    Jacqueline Vreeken Hammock Realty

    409 Citroen Dr, Sebring, FL 33872
  • /39

    $175,000

    • 4 Beds
    • 1.5 Baths
    • 1,573 Sq Ft

    1320 Lakeview Dr, Sebring, FL 33870

    If you're in search of a home with character and charm, this one is a must-see! This unique property features four bedrooms, a refreshing in-ground pool, and 1.5 bathrooms. Step inside through a distinctive wooden front door and instantly notice the cozy ambiance created by exposed wood beams in both the living room and kitchen. The dining area includes a custom-built wooden table. Just off the

    Jake Paez Heartland Real Estate Co.

    1320 Lakeview Dr, Sebring, FL 33870
  • /43

    $74,900

    • 2 Beds
    • 2 Baths
    • 990 Sq Ft

    1062 Dewitt St, Sebring, FL 33872

    Very well kept and partially furnished 24 X 36 mobile home, with 11 X 11.5 FL room providing 990 SQ FT of cozy Florida living under AC. Outside features include a 2025 AC with underneath ductwork, and a new Therma stat, a 16-year-old metal roof recoated every other year, a 2021 painted driveway, nice landscaping, a 2016 irrigation pump, a 6 X 8 storage shed, and a 10 X 12 backyard patio for

    Ray Hammond Canedo Realty

    1062 Dewitt St, Sebring, FL 33872
  • /12

    $39,900

    • 2 Beds
    • 2 Baths
    • 960 Sq Ft

    305 Chives St Unit 305C, Sebring, FL 33872

    This home is located on a cult de sac. It has a glassed in lanai on front of home, screened in porch under carport, vinyl flooring, new living room furniture. This home has been well maintained and ready for move in.

    Janice Johnson Sebring Village

    305 Chives St Unit 305C, Sebring, FL 33872
  • /10

    $29,900

    • 2 Beds
    • 2 Baths
    • 1,152 Sq Ft

    501 Carmen St Unit 501C, Sebring, FL 33872

    This 2 bedroom 2 bath home is unfurnished. It has a vinyl enclosed lanai on front of home inside laundry, large master bedroom and master bath has double sinks, rubber roof, a/c 2024, and is located on a corner lot.

    Janice Johnson Sebring Village

    501 Carmen St Unit 501C, Sebring, FL 33872
  • /8

    $61,000

    • Land
    • 0.18 Acre
    • $338,889 per Acre

    4246 N Course Ln, Avon Park, FL 33825

    Shovel-Ready Lot in Sought-After 55+ Gated Community – Highlands Ridge, FloridaLooking to build your dream home in a vibrant 55+ community? Look no further than this shovel-ready lot in the prestigious Highlands Ridge neighborhood! Nestled in the heart of Florida, this gated community offers everything you need for an active and fulfilling lifestyle.Highlands Ridge is more than just a place to

    Drew Bishop Keller Williams Realty Fort Myers and the Islands

    4246 N Course Ln, Avon Park, FL 33825

Showing Results 281 - 320, Page 8 of 18

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