Vero Beach, FL Homes for Sale under $100,000

• 

  

  

  /23

  $30,000

  • 2 Beds
  • 2 Baths
  • 1,056 Sq Ft

  1950 S Us Highway 1 Unit 219, Vero Beach, FL 32962

  This beautiful 2-bedroom 2 bath mobile home is now available for sale. Located in a peaceful community. This home features a spacious and bright living room area, furnished and ready to move in. The central location of this home allows for easy access to nearby beaches, and shopping to ensure that all of your daily needs are just a short distance away. Please call today to schedule a showing!

  

  Ordelia Argueta

  A&A International Realty Group

  (772) 732-7435

  1950 S Us Highway 1 Unit 219, Vero Beach, FL 32962
• Explore Vero Beach

• 

  

  

  /27

  $100,000

  • 1 Bed
  • 1.5 Baths
  • 750 Sq Ft

  108 Spring Lake Ct Unit 203, Vero Beach, FL 32962

  Welcome to effortless Florida living in this beautifully maintained, turnkey-furnished second-floor condo in the highly sought-after Vista Royale 55+ golf community. Located at 108 Springlake Drive Unit 203, this move-in-ready residence offers serene golf course views, resort-style amenities, and the perfect blend of comfort and convenience

  

  Ben Bryk

  Coldwell Banker Paradise

  (772) 758-7782

  108 Spring Lake Ct Unit 203, Vero Beach, FL 32962
• 

  

  

  /12

  $69,000

  • Land
  • 0.16 Acre
  • $431,250 per Acre

  1325 2nd Rd SW, Vero Beach, FL 32962

  This lot has just been cleared and is ready to go, saving you time and money. Situated in a convenient location to build your dream home, it allows for short travel time wherever you are going in Vero Beach- beaches, shopping, medical facilities, schools, Riverside Park and theatre, Vero Beach Outlets, plenty of cafes and restaurants.

  

  Elizabeth Train

  One Sotheby's Int'l Realty

  (772) 296-0858

  1325 2nd Rd SW, Vero Beach, FL 32962
• 

  

  

  /5

  $25,000

  • Land
  • 0.11 Acre
  • $227,273 per Acre

  4225 24th Ave, Vero Beach, FL 32967

  This 50x100 sf lot in Spruce Park subdivision of Gifford Park is perfect for a single-family home. Don't miss this chance to create your dream home! Close to shopping, hospitals, and 15 minutes to the beach.

  

  Elizabeth Train

  One Sotheby's Int'l Realty

  (772) 356-0702

  4225 24th Ave, Vero Beach, FL 32967
• 

  

  

  /4

  $26,000

  • Land
  • 0.11 Acre
  • $236,364 per Acre

  4246 24th Ct, Vero Beach, FL 32967

  This 50x100 lot in Spruce Park subdivision of Gifford Park is perfect for a single-family home. Lot directly behind is also available for purchase, allowing for a larger yard or potential second home. Close to shopping, hospitals, and 15 minutes to the beach. Don't miss this chance to create your dream home!

  

  Elizabeth Train

  One Sotheby's Int'l Realty

  (772) 356-0658

  4246 24th Ct, Vero Beach, FL 32967
• 

  

  /3

  $23,000

  • Land
  • 0.11 Acre
  • $209,091 per Acre

  4245 24th Ave, Vero Beach, FL 32967

  Great location for a single family home in Spruce Park Subdivision. Close to shopping, hospital, and 15 minutes to local beaches. Additional lots available at 4225 24th Ave; and 4246 24th Ct (directly behind).

  

  Elizabeth Train

  One Sotheby's Int'l Realty

  (772) 783-9433

  4245 24th Ave, Vero Beach, FL 32967
• 

  

  /12

  $81,000

  • Land
  • 0.3 Acre
  • $270,000 per Acre

  8646 97th Ct, Vero Beach, FL 32967

  This oversized lot has been cleared and filled! Now is the time to bring your plans for your dream home to life. Current owner has completed some of the prep work including 800 tons of compactable fill, #57 stone for the driveway. Well on property. No HOA fees make this an ideal area for boaters and those with toys and trailers. Drive by is welcome!

  

  Robin Raiff

  The Keyes Company

  (772) 272-9092

  8646 97th Ct, Vero Beach, FL 32967
• 

  

  /6

  $79,500

  • Land
  • 0.23 Acre
  • $345,652 per Acre

  8995 22nd St, Vero Beach, FL 32966

  Huge Residential Corner Lot for sale! Build your Dream Home! The perfect place to bring your vision to life! This spacious Corner Lot sits in a nice neighborhood, offering room to grow. Don't miss out!

  

  Ordelia Argueta

  A&A International Realty Group

  (772) 362-5649

  8995 22nd St, Vero Beach, FL 32966
• 

  

  /4

  $57,900

  • Land
  • 0.32 Acre
  • $180,938 per Acre

  9765 23rd St, Vero Beach, FL 32966

  Embrace the charm of countryside living in Vero Tropical Gardens! This prime piece of 0.32 acres of land offers the perfect opportunity to create a home that reflects your style and vision. Enjoy the serenity of nature while staying connected with easy access to Highway 95 and nearby shopping. Start with a blank canvas and design the home of your dreams, tailored to your taste and lifestyle!

  

  Lourana Navarro

  RE/MAX Crown Realty VB

  (772) 677-8330

  9765 23rd St, Vero Beach, FL 32966
• 

  

  /18

  $100,000

  • 1 Bed
  • 1 Bath
  • 630 Sq Ft

  86 Crooked Tree Ln Unit 204, Vero Beach, FL 32962

  "Sunny Florida Condo with Resort Perks! Bright 1 bed / 1 bath 2nd flr unit in the 55+ Vista Royale community w/open living/dining, kitchen and screened porch. Enjoy pools, golf, pickleball, shuffleboard, fitness & nonstop social fun. Minutes to beaches dining & shopping. Perfect seasonal retreat or year-round lifestyle. rmszappr&sub2err.

  

  Melissa Murphy

  Dale Sorensen Real Estate Inc.

  (772) 677-1092

  86 Crooked Tree Ln Unit 204, Vero Beach, FL 32962
• 

  

  /29

  $100,000

  • 1 Bed
  • 1.5 Baths
  • 750 Sq Ft

  108 Spring Lake Dr Unit 203, Vero Beach, FL 32962

  Welcome to effortless Florida living in this beautifully maintained, turnkey-furnished second-floor condo in the highly sought-after Vista Royale 55+ golf community. Located at 108 Springlake Drive Unit 203, this move-in-ready residence offers serene golf course views, resort-style amenities, and the perfect blend of comfort and convenience

  

  Ben Bryk

  Coldwell Banker Paradise

  (772) 310-7808

  108 Spring Lake Dr Unit 203, Vero Beach, FL 32962
• 

  

  /36

  $99,000

  • 1 Bed
  • 1 Bath
  • 630 Sq Ft

  20 Pine Arbor Ln Unit 104, Vero Beach, FL 32962

  Bright, Clean and Move-In Ready! This beauty is well-maintained featuring a newly remodeled bathroom, brand new AC in 2024, stylish vinyl flooring, and a fresh white kitchen that opens to the living areas. Impact windows in the front for peace of mind and a new front door as well! Light and welcoming, freshly painted and waiting for your personal touch! Furnished unit with all assessments paid.

  Kathy Nystrom Rennick Real Estate

  20 Pine Arbor Ln Unit 104, Vero Beach, FL 32962
• 

  

  /35

  $100,000

  • 1 Bed
  • 1 Bath
  • 630 Sq Ft

  11 Vista Gardens Trail Unit 104, Vero Beach, FL 32962

  Turn Key, 1st floor, completely renovated 1/1 in Vista Gardens with breathtaking golf and lake views. Enjoy the open concept kitchen with white shaker cabinetry, S/S appliances and solid surface counters. Tile flooring throughout, tons of natural light, enclosed patio and hurricane shutters for peace of mind. Maintenance free lifestyle with amenities galore including clubhouse, heated pool, hot

  Steve Rennick Rennick Real Estate

  11 Vista Gardens Trail Unit 104, Vero Beach, FL 32962
• 

  

  /24

  $99,900

  • 1 Bed
  • 1 Bath
  • 624 Sq Ft

  2333 Indian River Blvd Unit 601, Vero Beach, FL 32960

  First floor condo in the heart of Vero, walk to the Miracle Mile, Publix and Fresh Market, dining, Vero Beach bookstore. Adorable 1/1 with large rooms, walk in closets, ensuite BR and FBath, impact windows, covered front porch & carport parking spot #3, in bldg laundry (2nd fl, use elevator), low condo fees of $265! Live simply and inexpensively, be free to travel and enjoy life while maintaining

  Kelly Fischer EXP Realty, LLC

  2333 Indian River Blvd Unit 601, Vero Beach, FL 32960
• 

  

  /36

  $99,900

  • 1 Bed
  • 1.5 Baths
  • 747 Sq Ft

  44 Woodland Dr Unit 205, Vero Beach, FL 32962

  This lovely, fully furnished, turnkey condo is ready for it's next owner. This unit has been in the same family from the beginning. Interior hurricane impact windows and front door. A/C 2020. Perfect for seasonal enjoyment or year round living. Vista Royale is an active and dynamic 55+ community minutes away from shopping, dining, entertainment, beaches, healthcare and more. Play a round of golf

  Herb Hogan Tropic Shores Real Estate LLC

  44 Woodland Dr Unit 205, Vero Beach, FL 32962
• 

  

  /31

  $97,000

  • 1 Bed
  • 1 Bath
  • 630 Sq Ft

  108 Spring Lake Ct Unit 204, Vero Beach, FL 32962

  Unlock the door to a vibrant lifestyle in stunning 1 BR, 1 BA condo, nestled within the thriving 55+ community of Vista Royale. Recent upgrades include a 2022 A/C, 2022 HWH, 2023 roof, new flooring, a reverse osmosis drinking system, modern appliances & elegant plantation shutters, set the stage for a brighter future. With storm protection from impact windows & doors & a fresh coat of paint, this

  Peter Robinson Laurel Agency, Inc.

  108 Spring Lake Ct Unit 204, Vero Beach, FL 32962
• 

  

  /25

  $100,000

  • 1 Bed
  • 1 Bath
  • 630 Sq Ft

  20 Vista Gardens Trail Unit 204, Vero Beach, FL 32962

  Newly painted, completely updated 1/1 unit with lake and golf course views. Kitchen has quartz countertops and soft close cabinets. Air handler 2024, water heater 2025, microwave 2025. Luxury vinyl floors throughout.Active 55+ community. HOA dues include basic cable, water and sewer. Amenities include pool, hottub, tennis courts, library, game room, gym, clubhouse and so much more.Motivated

  Paulette Frederick Southern Key Realty

  20 Vista Gardens Trail Unit 204, Vero Beach, FL 32962
• 

  

  /33

  $13,900

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

  7300 20th St Unit 102, Vero Beach, FL 32966

  Discover the possibilities in this 2-bedroom, 2-bath home with breathtaking lake views from nearly every room - including the screened porch, Florida room, living room, and dining room. With 1,200 sq. ft. of living space and a bright, open layout, this home offers both comfort and opportunity for customization. A lush common area with plenty of foliage borders one side of the property, providing

  Dennis Natoli USA Mobile & Manufactured Homes Sales, LLC.

  7300 20th St Unit 102, Vero Beach, FL 32966
• 

  

  /17

  $34,000

  • 2 Beds
  • 1 Bath
  • 768 Sq Ft

  228 Liberty St, Vero Beach, FL 32966

  This charming 2-bedroom, 1-bath double-wide home sits on a coveted corner lot, just steps from the clubhouse and sparkling pool the perfect spot for an active and social lifestyle! Over the past decade, this home has seen a long list of thoughtful updates, including, New roof, AC and ductwork replacement, Water heater, Carport and porch roofs, Subflooring replaced, bathroom and as needed

  Jacquelyne Stasonis Four Star Homes, Inc.

  228 Liberty St, Vero Beach, FL 32966
• 

  

  /21

  $57,000

  • 2 Beds
  • 2 Baths
  • 1,404 Sq Ft

  288 Morristown Cay, Vero Beach, FL 32966

  Awesome, Furnished, 2 bed, 2 full baths, waterfront home in beautiful Heron Cay -1404 under air, over 1700 sq ft total living space! Enjoy the sunrise and sunset from your large, 200 sq ft, screened porch or the beautiful Florida room with hurricane impact windows. A well-equipped kitchen with a pass-through window to the Florida room. Cabinets galore, a pantry, and a small breakfast bar. The

  Rose Smith Four Star Homes, Inc.

  288 Morristown Cay, Vero Beach, FL 32966
• 

  

  /15

  $45,000

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

  7000 20th St, Vero Beach, FL 32966

  This home is a must see for your home shopping in Vero Beach. Village Green is a 55 plus community close to shopping and eateries like Outback or the Italian Grill... This home has newer AC, hot water heater and has been renovated from floors to fresh interior paint.. This home has a nice larger screened in porch with a large utility room with work bench and W&D... This community has all the

  Brian Schindler Florida Retirement Home Sales

  7000 20th St, Vero Beach, FL 32966
• 

  

  /4

  $65,000

  • Land
  • 0.11 Acre
  • $590,909 per Acre

  1225 12th Ct SW, Vero Beach, FL 32962

  VACANT RESIDENTIALNote: buyers I emphasize the importance of conducting thorough due diligence to ensure that the property meets your expectations and requirements.

  Samih Sadiq KELLY RIGHT REAL ESTATE

  1225 12th Ct SW, Vero Beach, FL 32962
• 

  

  /24

  $39,500

  • 2 Beds
  • 2 Baths
  • 1,118 Sq Ft

  409 Morristown Cay, Vero Beach, FL 32966

  Florida has always been one of the most popular retirement places to live thanks to the favorable weather, taxes and abundant outdoor activities. Vero Beach, located along Florida's Atlantic Coast, is a haven for golf, water sports, fishing, museums, art galleries, shopping, peaceful beaches, eateries and renowned medical facilities. Today's buyers are having a more challenging time finding their

  Janet Skouras Hilo Home Sales

  409 Morristown Cay, Vero Beach, FL 32966
• 

  /2

  $53,000

  • Land
  • 0.23 Acre
  • $230,435 per Acre

  8655 102nd Ave, Vero Beach, FL 32967

  Beautiful vacant Lot in the growing city of Vero Beach, '' LOCATION! Whether you're ready to build your dream home now or secure a smart investment for the future, this property is full of potential, Vero Lake Estates is one of the most desirable communities.Just less than 20 minutes from the beach and close to the I 95. Don't miss out on this opportunity!

  Giulliana Tello Real Estate Solutions Today

  8655 102nd Ave, Vero Beach, FL 32967
• 

  

  /20

  $34,000

  • 2 Beds
  • 1 Bath
  • 768 Sq Ft

  331 Heritage Blvd, Vero Beach, FL 32966

  This charming two-bedroom, one-bath manufactured home is located in a sought-after 55 plus community and has been faithfully maintained throughout the years. Step inside to find newer floors and a bright, inviting kitchen that is ideal for cooking, entertaining, and gathering with friends. The showstopper is a spacious four-season porch that runs the full width of the home, perfect for morning

  Jacquelyne Stasonis Four Star Homes, Inc.

  331 Heritage Blvd, Vero Beach, FL 32966
• 

  

  /3

  $52,000

  • Land
  • 0.22 Acre
  • $236,364 per Acre

  8155 99th Ave, Vero Beach, FL 32967

  Build Your Dream Home in Vero Beach ! This spacious vacant quarter acre lot is ready for you to build your custom single-family home in the growing communityof Vero Lake Estates. Enjoy peaceful surroundings, affordable living, and easy access to I 95 and beaches while being close to shopping, dining, parks, and schools. With plenty of new development in the area, this is the perfect opportunity

  Giulliana Tello Real Estate Solutions Today

  8155 99th Ave, Vero Beach, FL 32967
• 

  

  /17

  $27,500

  • 2 Beds
  • 1.5 Baths
  • 864 Sq Ft

  8775 20th St Unit 607, Vero Beach, FL 32966

  Welcome to this well-maintained 2 bedroom, 1.5 bath home located in a wonderful community where pride of ownership shines! This furnished, turn key gem is move-in ready and aggressively priced for a quick sale. Step inside and you will love the beautifully remodeled kitchen, bright, inviting, and perfect for anyone who enjoys cooking or entertaining. The home features all new laminate flooring,

  Jacquelyne Stasonis Four Star Homes, Inc.

  8775 20th St Unit 607, Vero Beach, FL 32966
• 

  

  /19

  $29,850

  • 2 Beds
  • 2 Baths
  • 720 Sq Ft

  168 Coral Ln, Vero Beach, FL 32960

  168 Coral Lane, this charming 2-bedroom, 2-bathroom manufactured home in the Riverfront Community of Fairlane Harbor in Vero Beach FL. offers affordable living. Fully Furnished, updated and cared for, it combines the comfort of a well-established home with the appeal of recent renovations. Conveniently located and outdoor recreation-all while living in a peaceful community setting. Move-in ready,

  Todd Newby NEWBY REALTY INC

  168 Coral Ln, Vero Beach, FL 32960
• 

  

  /16

  $69,750

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

  237 Arbor Ln, Vero Beach, FL 32960

  MOTIVATED SELLER****237 Arbor Lane in Fairlane Harbor! You'll want to see this Updated home 2 BR 2 BA home. Fully Furnished, This home features an open concept floor plan with Living Rm, Dining Rm and a spacious Kitchen, Center Island, Newer Stainless-Steel Appliances. Updates Included New A/C, Great natural light, Bedrooms are spacious primary offers an ensuite, and a spacious walk-in. carport

  Todd Newby NEWBY REALTY INC

  237 Arbor Ln, Vero Beach, FL 32960
• 

  

  /13

  $60,000

  • Land
  • 0.34 Acre
  • $176,471 per Acre

  5830 60th Ave, Vero Beach, FL 32967

  This lot is ready for the right buyer and right builder! Located in true central Indian River County and just a short drive leading to local beaches within 10 minute drive to the bridge. 3-5 minute drive to Publix Plaza and 10 mi within all neccessaties for comfortable living!

  Tareek Beasley Keller Williams Realty of VB

  5830 60th Ave, Vero Beach, FL 32967
• 

  

  /5

  $5,000

  • 3 Beds
  • 2 Baths
  • 1,679 Sq Ft

  1816 14th Ave SW, Vero Beach, FL 32962

  Foreclosure Auction Ends November 07, 2025 at 10:00 AM EST. Discover this inviting 3-bedroom, 2-bathroom single-family home, offering a wonderful opportunity to live in the desirable Vero Beach community. The list price is the opening bid for the online auction. Sold As-is. Explore more details and submit your bid through Federa.

  Jamie Boone Jamie L Boone LLC

  1816 14th Ave SW, Vero Beach, FL 32962
• 

  

  /47

  $49,995

  • 2 Beds
  • 2 Baths

  7000 20th St, Vero Beach, FL 32966

  WELCOME TO LAKEFRONT LIVING !!! Hang a hammock, chill on your outdoor patio, read a book, sip a glass of wine. Wildlife enthusiasts, bring your cameras, there's lots to photograph - possibilities are endless. This home boasts approximately 1300 Square feet of open concept, 2 bedrooms, 2 bathrooms, a den/office/family room, great for entertaining with your loved ones. This oasis comes FULLY

  Ruth BoSheers Sunset Home Sales

  7000 20th St, Vero Beach, FL 32966
• 

  

  /19

  $69,999

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

  1405 82nd Ave Unit 226, Vero Beach, FL 32966

  Welcome to your gorgeous new waterfront 2/2 home in Vero Palm Estates, a 55+ age-qualified active and vibrant community, where you can find yourself in your dream home. Located in Vero Beach, this property offers the perfect blend of modern amenities and timeless charm. Step inside to find a light filled oasis, gorgeous luxury plank flooring, carpeted bedrooms, an extra large living room, a

  Karen Cummins Vero Palm Estates

  1405 82nd Ave Unit 226, Vero Beach, FL 32966
• 

  

  /20

  $52,000

  • 2 Beds
  • 2 Baths
  • 1,920 Sq Ft

  1405 82nd Ave Unit 68, Vero Beach, FL 32966

  Welcome to Vero Palm Estates, a 55+ age-qualified active and vibrant community, where you can find yourself in your dream waterfront home. We have a stunning, updated 2 bedrooms,2-bathroom lakeside charmer for sale featuring 1920 sq ft of beautifully designed living space. With the prettiest view in Vero Palm Estates with gorgeous lake views from the large living room, and also from the dining

  Karen Cummins Vero Palm Estates

  1405 82nd Ave Unit 68, Vero Beach, FL 32966
• 

  

  /32

  $34,900

  • 2 Beds
  • 2 Baths
  • 1,320 Sq Ft

  7000 20th St Unit 941, Vero Beach, FL 32966

  **Gorgeous LAKESIDE HOME that just needs a little TLC** 2 bed 2 bath 1,320 sq.ft located in The Swan Lake section of Village Green 55+ manufactured home community in Vero Beach, FL. Lot rent is currently $1,080 per month and includes use of the park's amazing amenities and basic lawn service. PRIME LAKE VIEWS ON LRG LOT! 2025 A/C, UPDATED KITCHEN CABINETS, UPDATED CEILING WITH CROWN MOULDINGS &

  Chelsea Hamilton Sunset Home Sales

  7000 20th St Unit 941, Vero Beach, FL 32966
• 

  

  /25

  $50,100

  • 2 Beds
  • 2 Baths
  • 1,288 Sq Ft

  8775 20th St Unit 581, Vero Beach, FL 32966

  Spacious and welcoming, this beautifully maintained home in desirable Countryside of Vero Beach is a premier 55 and over luxury manufactured home park. This lovingly maintained home boasts 1288 sq ft and an enormous 36x10 screened-in outdoor oasis on an oversized corner lot. Enjoy your own private bird sanctuary with lush landscaping, forestry, and abundant wildlife. Very large backyard for

  Rose Smith Four Star Homes, Inc.

  8775 20th St Unit 581, Vero Beach, FL 32966
• 

  

  /15

  $75,000

  • 2 Beds
  • 1.5 Baths
  • 960 Sq Ft

  1455 90th Ave Unit 188, Vero Beach, FL 32966

  This 2 bedroom 1.5 bath mobile home is the perfect selection. Open floor concept with your large living room, Dining room and Kitchen. All appliances are included in this sale. Home is in a great location, inside Lakewood Village with Lake views. Community offers Pool, Spa, Gym, Clubhouse, Playground and Laundry Room. Close to shopping, dining, nightlife, beaches, and golfing. Don't let this

  Ines Diaz Indian River Home Sales

  1455 90th Ave Unit 188, Vero Beach, FL 32966
• 

  

  /17

  $29,900

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

  1405 82nd Ave Unit 253, Vero Beach, FL 32966

  Situated in a lovely gated 55 plus community, this charming 2-bedroom, 2-bath home offers an open floor plan designed for comfort and convenience. The kitchen and dining area are seamlessly connected, featuring beautiful lake views right from your kitchen window, making cooking a true pleasure. Enjoy the convenience of an indoor laundry room with washer and dryer, and relax in the spacious

  Richard Saldanah Four Star Homes, Inc.

  1405 82nd Ave Unit 253, Vero Beach, FL 32966
• 

  

  /16

  $29,500

  • 2 Beds
  • 2 Baths
  • 784 Sq Ft

  2055 82nd Ave Unit 446, Vero Beach, FL 32966

  VERO BEACH This well maintain two bedroom two bath home is situated in the Ranchland community in the western corridor of Vero Beach.Low lot rent 672. The home comes furnished, newer rolled roof. Every room has a window AC to keep the home cool ( very efficient) The flooring is laminate and carpet. Open concept kitchen that over looks the family room. New electrical box. There is also a Florida

  Daniela Lefemine Canedo Realty

  2055 82nd Ave Unit 446, Vero Beach, FL 32966
• 

  

  /15

  $58,000

  • Land
  • 0.38 Acre
  • $152,632 per Acre

  9995 85th St, Vero Beach, FL 32967

  Why settle for someone else's dream? Build yours from the ground up on this exceptional .38-acre corner lot in Vero Lake Estates. This is your blank canvas to design a custom home with no rules and no restrictions. Imagine your vision coming to life: a custom-built sanctuary, a lush yard, and the perfect space for your lifestyle. With NO HOA, you have total freedom. Bring your boat, your RV, and

  Victor Pierce Compass Florida LLC

  9995 85th St, Vero Beach, FL 32967

Showing Results 1 - 40, Page 1 of 6