New Construction Homes for Sale in 33884

• 

  

  

  /20

  $354,900 New Construction

  • 4 Beds
  • 2 Baths
  • 1,863 Sq Ft

  1782 White Elephant Loop, Winter Haven, FL 33884

  Welcome to the Summit model in Peach Crossings, a stunning brand-new home offering four bedrooms and two bathrooms with a spacious open-concept design. Featuring high ceilings, this home is bright and airy, providing a welcoming atmosphere throughout.The master suite is a true retreat, offering a large bedroom that leads into a luxurious en-suite bathroom with a dual sink vanity and a

  Gayle Van Wagenen LGI REALTY- FLORIDA, LLC

  1782 White Elephant Loop, Winter Haven, FL 33884
• 

  

  

  /20

  $354,900 New Construction

  • 4 Beds
  • 2 Baths
  • 1,863 Sq Ft

  1791 White Elephant Loop, Winter Haven, FL 33884

  Welcome to the Summit model in Peach Crossings, a stunning brand-new home featuring four bedrooms and two bathrooms with an open, spacious layout. As you step inside, you’re welcomed by a beautiful foyer, setting the tone for this charming home. With high ceilings throughout, every room feels expansive and full of natural light.The master suite is the perfect retreat, offering a large

  Gayle Van Wagenen LGI REALTY- FLORIDA, LLC

  1791 White Elephant Loop, Winter Haven, FL 33884
• 

  

  

  /20

  $354,900 New Construction

  • 4 Beds
  • 2 Baths
  • 1,863 Sq Ft

  1633 Siesta Way, Winter Haven, FL 33884

  Welcome to the Summit model in Peach Crossings, a beautiful brand-new home featuring four bedrooms and two bathrooms with a spacious, open-concept layout. This home showcases high ceilings, creating a bright and airy atmosphere throughout.The master suite offers a relaxing retreat with a large bedroom that flows into a luxurious en-suite bathroom, complete with a dual sink vanity for added

  Gayle Van Wagenen LGI REALTY- FLORIDA, LLC

  1633 Siesta Way, Winter Haven, FL 33884
• 

  

  

  /25

  $405,900 New Construction

  • 5 Beds
  • 3 Baths
  • 2,244 Sq Ft

  1783 White Elephant Loop, Winter Haven, FL 33884

  Welcome to the Spring model in Peach Crossings, a spacious five-bedroom, three-bathroom, two-story home situated on a desirable corner lot with no rear neighbors, offering extra privacy and an open feel.As you step inside, a long and inviting foyer welcomes you into the home. The first floor boasts a bright and open family room, perfect for gathering, along with a modern kitchen featuring a

  Gayle Van Wagenen LGI REALTY- FLORIDA, LLC

  1783 White Elephant Loop, Winter Haven, FL 33884
• 

  

  

  /20

  $359,900 New Construction

  • 4 Beds
  • 2 Baths
  • 1,863 Sq Ft

  1769 White Elephant Loop, Winter Haven, FL 33884

  Under Construction. Welcome to the Summit model in Peach Crossings, a stunning brand-new home featuring four bedrooms and two bathrooms with an open-concept design and high ceilings throughout. This corner lot home offers exceptional privacy, with no neighbors to one side and no rear neighbors. Instead, the home backs up to a beautiful pond, providing a peaceful and scenic backyard view.Step

  Gayle Van Wagenen LGI REALTY- FLORIDA, LLC

  1769 White Elephant Loop, Winter Haven, FL 33884
• 

  

  /19

  $324,900 New Construction

  • 3 Beds
  • 2 Baths
  • 1,526 Sq Ft

  1641 Nantucket Way, Winter Haven, FL 33884

  Welcome to Peach Crossings, Winter Haven’s newest community! This stunning brand-new home features three bedrooms and two bathrooms, designed for modern living. At the heart of the home, the spacious kitchen boasts an abundance of counter space, making it ideal for cooking and entertaining. Enjoy the dream kitchen with brand-new Whirlpool appliances, including a refrigerator, stove, dishwasher,

  Gayle Van Wagenen LGI REALTY- FLORIDA, LLC

  1641 Nantucket Way, Winter Haven, FL 33884
• 

  

  /20

  $354,900 New Construction

  • 4 Beds
  • 2 Baths
  • 1,863 Sq Ft

  1645 Siesta Way, Winter Haven, FL 33884

  Welcome to the Summit model in Peach Crossings, a beautiful brand-new home featuring four bedrooms and two bathrooms with an inviting open-concept design. This home boasts high ceilings, enhancing the spacious and airy feel throughout.The master retreat is a true sanctuary, offering a generously sized bedroom that connects to a luxurious en-suite bathroom with a dual sink vanity for added

  Gayle Van Wagenen LGI REALTY- FLORIDA, LLC

  1645 Siesta Way, Winter Haven, FL 33884
• 

  

  /3

  $312,990 New Construction

  • 4 Beds
  • 2 Baths
  • 1,564 Sq Ft

  2775 San Marco Way, Winter Haven, FL 33884

  Pre-Construction. To be built. Discover the Ventura in VillaMar – A Thoughtfully Designed Smart Home in Winter HavenLocated in the beautiful VillaMar community in Winter Haven, the Ventura offers the perfect blend of modern design, comfort, and convenience. Nestled in a prime location, VillaMar provides stunning lake views and resort-style amenities, making it an ideal place to call home.The

  Charles Pennant NEW HOME STAR FLORIDA LLC

  2775 San Marco Way, Winter Haven, FL 33884
• 

  

  /22

  $309,990 New Construction

  • 4 Beds
  • 2.5 Baths
  • 1,880 Sq Ft

  1962 Sarah St, Winter Haven, FL 33884

  This expansive two-story home boasts a well-designed layout, featuring a first floor dedicated to shared living and entertaining. The open concept design seamlessly connects the kitchen, dining room and family room, with a patio extending the interior space outdoors. Upstairs, a spacious loft separates the three secondary bedrooms from the serene owner's suite. Completing the home is a convenient

  Lennar

  Columbus, Winter Haven, FL 33884
• 

  

  /51

  $215,000 New Construction

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

  2885 Attwater Loop, Winter Haven, FL 33884

  Prime LOCATION in Traditions – A Premier 55+ CommunityDiscover the perfect blend of comfort and convenience in this charming 2-bedroom, 2-bathroom villa with a versatile Flex Room, ideal for a home office, quiet retreat, or formal dining space. This smart home is designed for modern living, featuring a work-efficient kitchen with elegant white cabinets, crown molding, brushed nickel hardware,

  Michelle Urena REALTY OF AMERICA

  2885 Attwater Loop, Winter Haven, FL 33884
• 

  

  /22

  $304,999 New Construction

  • 4 Beds
  • 2.5 Baths
  • 1,880 Sq Ft

  1630 Teagan Ln, Winter Haven, FL 33884

  This expansive two-story home boasts a well-designed layout, featuring a first floor dedicated to shared living and entertaining. The open concept design seamlessly connects the kitchen, dining room and family room, with a patio extending the interior space outdoors. Upstairs, a spacious loft separates the three secondary bedrooms from the serene owner's suite. Completing the home is a convenient

  Lennar

  Columbus, Winter Haven, FL 33884
• 

  

  /17

  $330,990 New Construction

  • 4 Beds
  • 3 Baths
  • 2,174 Sq Ft

  1606 Teagan Ln, Winter Haven, FL 33884

  This single-story home shares an open layout between the kitchen, dining area and family room for easy entertaining. A luxe owner's suite is in the rear of the home and comes complete with an en-suite bathroom and walk-in closet. There are three secondary bedrooms at the front of the home, ideal for overnight guests or residents needing additional privacy, as well as a flex space that can

  Lennar

  Dawn, Winter Haven, FL 33884
• 

  

  /17

  $324,990 New Construction

  • 4 Beds
  • 3 Baths
  • 2,174 Sq Ft

  1950 Sarah St, Winter Haven, FL 33884

  This single-story home shares an open layout between the kitchen, dining area and family room for easy entertaining. A luxe owner's suite is in the rear of the home and comes complete with an en-suite bathroom and walk-in closet. There are three secondary bedrooms at the front of the home, ideal for overnight guests or residents needing additional privacy, as well as a flex space that can

  Lennar

  Dawn, Winter Haven, FL 33884
• 

  

  /24

  $331,990 New Construction

  • 5 Beds
  • 2.5 Baths
  • 2,326 Sq Ft

  1807 Teagan Ln, Winter Haven, FL 33884

  This two-story home highlights a modern open layout, seamlessly integrating a first-floor kitchen with a central island, a dining room and a welcoming family room with patio access. On the same level is a private owner's suite with an attached bathroom. Situated upstairs is a versatile loft for additional shared living space and four secondary bedrooms to provide restful retreats to family

  Lennar

  Georgia, Winter Haven, FL 33884
• 

  

  /19

  $284,999 New Construction

  • 4 Beds
  • 2 Baths
  • 1,824 Sq Ft

  1954 Sarah St, Winter Haven, FL 33884

  This new single-story home is a modern take on a classic design. Down the foyer is a spacious and open-plan family room which has direct access to the cozy dining room, well-equipped kitchen and attached patio, perfect for everyday living. In a private corner is the owner’s suite with a convenient adjoining bathroom, while on the opposite side of the home are three secondary bedrooms to offer

  Lennar

  Celeste, Winter Haven, FL 33884
• 

  

  /22

  $304,990 New Construction

  • 4 Beds
  • 2.5 Baths
  • 1,880 Sq Ft

  1938 Sarah St, Winter Haven, FL 33884

  This expansive two-story home boasts a well-designed layout, featuring a first floor dedicated to shared living and entertaining. The open concept design seamlessly connects the kitchen, dining room and family room, with a patio extending the interior space outdoors. Upstairs, a spacious loft separates the three secondary bedrooms from the serene owner's suite. Completing the home is a convenient

  Lennar

  Columbus, Winter Haven, FL 33884
• 

  

  /21

  $359,990 New Construction

  • 4 Beds
  • 3 Baths
  • 2,174 Sq Ft

  Dawn, Winter Haven, FL 33884

  This single-story home shares an open layout between the kitchen, dining area and family room for easy entertaining. A luxe owner's suite is in the rear of the home and comes complete with an en-suite bathroom and walk-in closet. There are three secondary bedrooms at the front of the home, ideal for overnight guests or residents needing additional privacy, as well as a flex space that can

  Lennar

  Dawn, Winter Haven, FL 33884
• 

  

  /18

  $302,590 New Construction

  • 3 Beds
  • 2 Baths
  • 1,487 Sq Ft

  Bloom, Winter Haven, FL 33884

  This new single-story home maximizes space and emphasizes convenience. The open-concept layout integrates the family room, dining room and kitchen with a central island, facilitating effortless transitions between rooms for easy entertaining during gatherings. On the opposite side of the home are all three bedrooms, including the peaceful owner’s suite with an attached bathroom and walk-in closet.

  Lennar

  Bloom, Winter Haven, FL 33884
• 

  

  /18

  $327,090 New Construction

  • 4 Beds
  • 2.5 Baths
  • 1,880 Sq Ft

  Columbus, Winter Haven, FL 33884

  This expansive two-story home boasts a well-designed layout, featuring a first floor dedicated to shared living and entertaining. The open concept design seamlessly connects the kitchen, dining room and family room, with a patio extending the interior space outdoors. Upstairs, a spacious loft separates the three secondary bedrooms from the serene owner's suite. Completing the home is a convenient

  Lennar

  Columbus, Winter Haven, FL 33884
• 

  

  /17

  $269,990 New Construction

  • 3 Beds
  • 2 Baths
  • 1,429 Sq Ft

  1966 Sarah St, Winter Haven, FL 33884

  This new home is laid out on a single level for low maintenance living. Two secondary bedrooms share a bathroom in the hall at the front of the home, while the owner’s suite is tucked into the back corner with an attached bathroom and walk-in closet. Down the foyer is the open-concept living area, which includes a fully equipped kitchen, an intimate dining room and family room with patio access.

  Lennar

  Belmont, Winter Haven, FL 33884
• 

  

  /13

  $294,790 New Construction

  • 3 Beds
  • 2 Baths
  • 1,429 Sq Ft

  Belmont, Winter Haven, FL 33884

  This new home is laid out on a single level for low maintenance living. Two secondary bedrooms share a bathroom in the hall at the front of the home, while the owner’s suite is tucked into the back corner with an attached bathroom and walk-in closet. Down the foyer is the open-concept living area, which includes a fully equipped kitchen, an intimate dining room and family room with patio access.

  Lennar

  Belmont, Winter Haven, FL 33884
• 

  

  /26

  $361,990 New Construction

  • 5 Beds
  • 2.5 Baths
  • 2,326 Sq Ft

  Georgia, Winter Haven, FL 33884

  This two-story home highlights a modern open layout, seamlessly integrating a first-floor kitchen with a central island, a dining room and a welcoming family room with patio access. On the same level is a private owner's suite with an attached bathroom. Situated upstairs is a versatile loft for additional shared living space and four secondary bedrooms to provide restful retreats to family

  Lennar

  Georgia, Winter Haven, FL 33884
• 

  

  /46

  $267,000 New Construction

  • 2 Beds
  • 2 Baths
  • 1,164 Sq Ft

  1703 Linz Ct, Cypress Gardens, FL 33884

  NEW CONSTRUCTION! This brand-new single-story, two bedroom, two bath Villa is located in Vienna Square, a 55+ gated community in Winter Haven. Live a low maintenance lifestyle with tranquil views from your screened lanai which is accessible from the villa’s open floor plan. This villa features a two car garage, paver driveway, granite counter tops, shaker cabinets, new Whirlpool appliances, Delta

  Austin Schreiber DGCF REALTY ADVISORS LLC

  1703 Linz Ct, Cypress Gardens, FL 33884
• 

  

  /31

  $299,999 Open Sun 11AM - 4PM

  • 5 Beds
  • 2.5 Baths
  • 2,112 Sq Ft

  1946 Sarah St, Winter Haven, FL 33884

  One or more photo(s) has been virtually staged. Under Construction. The first floor of the stunning Edison two-story home is host to an open-concept layout that combines the kitchen with the living and dining areas, and an outdoor patio is easily reached off the main living space. Upstairs, five bedrooms surround a versatile loft, including the luxe owner’s suite, complete with a generous walk-in

  Ben Goldstein LENNAR REALTY

  1946 Sarah St, Winter Haven, FL 33884
• 

  

  /17

  $382,990 New Construction

  • 4 Beds
  • 3 Baths
  • 2,551 Sq Ft

  1632 Ashton Covey Blvd, Winter Haven, FL 33884

  Pre-Construction. To be built. Welcome to Ashton Covey in Winter Haven where you can enjoy the Florida lifestyle to the fullest.Located just off US Highway 27, your new home will offer a convenient commute to work, outdoor recreation, shopping, dining, and more. Less than 15 minutes to Downtown Winter Haven with local shops and restaurants! 5 miles to public lake access at Lake Daisy where you

  Bill Maltbie MALTBIE REALTY GROUP

  1632 Ashton Covey Blvd, Winter Haven, FL 33884
• 

  

  /22

  $341,990 New Construction

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

  1628 Ashton Covey Blvd, Winter Haven, FL 33884

  Pre-Construction. To be built. Welcome to Ashton Covey in Winter Haven where you can enjoy the Florida lifestyle to the fullest.Located just off US Highway 27, your new home will offer a convenient commute to work, outdoor recreation, shopping, dining, and more. Less than 15 minutes to Downtown Winter Haven with local shops and restaurants! 5 miles to public lake access at Lake Daisy where you

  Bill Maltbie MALTBIE REALTY GROUP

  1628 Ashton Covey Blvd, Winter Haven, FL 33884
• 

  

  /57

  $337,995 New Construction

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

  3801 Giorgio Dr, Winter Haven, FL 33884

  Brand new, energy-efficient home available NOW! 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 needs. Upstairs primary suite features an oversized walk-in closet. Visit Villamar and explore new single-family homes for sale in Winter Haven, FL. Residents will have access to two resort-style amenity

  Tatiana Souza MERITAGE HOMES OF FL REALTY

  3801 Giorgio Dr, Winter Haven, FL 33884
• 

  

  /53

  $330,046 New Construction

  • 4 Beds
  • 2.5 Baths
  • 2,202 Sq Ft

  1509 Leamington Ln, Winter Haven, FL 33884

  Under Construction. This two-story home features 4 bedrooms and 2 and a half baths. This Home begins with a two-story foyer opening up to the spacious first floor living spaces. The kitchen shines with abundant counter space and an island perfect for entertaining, Upstairs, you will find all four bedrooms and the designated laundry room. CUSTOM EXTERIOR includes 30-year mildew resistant

  Delana Bender ADAMS HOMES REALTY

  1509 Leamington Ln, Winter Haven, FL 33884
• 

  

  /24

  $337,990 New Construction

  • 4 Beds
  • 2 Baths
  • 1,828 Sq Ft

  4133 Giorgio Dr, Winter Haven, FL 33884

  Under Construction. "Introducing the Cali floorplan at Villamar, in Winter Haven, Florida, where every square foot is put to use with sophistication and comfort. This home features modern details that elevate your personal style, including luxury vinyl plank flooring throughout. Inside this 4-bedroom, 2-bathroom home, you’ll find 1,882 square feet of comfortable living. This meticulously

  Paul King DR HORTON REALTY OF CENTRAL FLORIDA LLC

  4133 Giorgio Dr, Winter Haven, FL 33884
• 

  

  /24

  $337,490 New Construction

  • 4 Beds
  • 2 Baths
  • 1,828 Sq Ft

  4141 Giorgio Dr, Winter Haven, FL 33884

  Under Construction. "Introducing the Cali floorplan at Villamar, in Winter Haven, Florida, where every square foot is put to use with sophistication and comfort. This home features modern details that elevate your personal style, including luxury vinyl plank flooring throughout. Inside this 4-bedroom, 2-bathroom home, you’ll find 1,882 square feet of comfortable living. This meticulously

  Paul King DR HORTON REALTY OF CENTRAL FLORIDA LLC

  4141 Giorgio Dr, Winter Haven, FL 33884
• 

  

  /28

  $367,490 Open Sun 12PM - 6PM

  • 5 Beds
  • 3 Baths
  • 2,601 Sq Ft

  4807 Khloe Ct, Winter Haven, FL 33884

  Under Construction. "Find all the space you need in our popular two-story Hayden floorplan in Villamar, one of our communities in Winter Haven, Florida.Inside this 5 bedroom, 3 bathroom home, you’ll find 2,601 square feet of flexible living space and a two-car garage. This meticulously designed residence combines modern convenience with timeless elegance, showcasing granite counters and

  Paul King DR HORTON REALTY OF CENTRAL FLORIDA LLC

  4807 Khloe Ct, Winter Haven, FL 33884
• 

  

  /24

  $308,290 Open Sun 12PM - 5PM

  • 4 Beds
  • 2 Baths
  • 1,828 Sq Ft

  308 Corso Loop, Winter Haven, FL 33884

  Under Construction. "Introducing the Cali floorplan at Villamar, in Winter Haven, Florida, where every square foot is put to use with sophistication and comfort.Inside this 4-bedroom, 2-bathroom home, you’ll find 1,882 square feet of comfortable living. This meticulously designed residence combines modern convenience with timeless elegance, showcasing granite counters and tile floors

  Paul King DR HORTON REALTY OF CENTRAL FLORIDA LLC

  308 Corso Loop, Winter Haven, FL 33884
• 

  

  /45

  $329,366 New Construction

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

  1564 Leamington Ln, Winter Haven, FL 33884

  Under Construction. This 2200 square foot Home is a stunning home design that offers a perfect balance of style and functionality. With 4 bedrooms and 3 baths, this home provides ample space for comfortable living. The open-concept layout seamlessly connects the kitchen, dining area, and living room, creating a spacious and inviting atmosphere. The modern kitchen is equipped with high-quality

  Claudia Gutierrez ADAMS HOMES REALTY

  1564 Leamington Ln, Winter Haven, FL 33884
• 

  

  /45

  $329,366 New Construction

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

  1580 Leamington Ln, Winter Haven, FL 33884

  Under Construction. This single history home features 4 bedrooms and 3 baths. This Home begins with a two-story foyer opening up to the spacious first floor living spaces. The kitchen shines with abundant counter space and an island perfect for entertaining, Upstairs, you will find all four bedrooms and the designated laundry room. CUSTOM EXTERIOR includes 30-year mildew resistant dimensional

  Claudia Gutierrez ADAMS HOMES REALTY

  1580 Leamington Ln, Winter Haven, FL 33884
• 

  

  /12

  $376,490 Open Sun 12PM - 6PM

  • 4 Beds
  • 3 Baths
  • 2,372 Sq Ft

  2630 Sage Valley Way, Winter Haven, FL 33884

  One or more photo(s) has been virtually staged. Under Construction. Find everything you need in Harmony on Lake Eloise! Located just minutes from world class theme parks and attractions, Harmony on Lake Eloise is the perfect community to call home with its beautiful Florida lifestyle and amenities. This community boasts stunning home sites. You'll enjoy the sparkling local lakes practically i

  Paul King DR HORTON REALTY OF CENTRAL FLORIDA LLC

  2630 Sage Valley Way, Winter Haven, FL 33884
• 

  

  /12

  $376,990 New Construction

  • 4 Beds
  • 3 Baths
  • 2,372 Sq Ft

  2526 Sage Valley Way, Winter Haven, FL 33884

  One or more photo(s) has been virtually staged. Under Construction. Find everything you need in Harmony on Lake Eloise! Located just minutes from world class theme parks and attractions, Harmony on Lake Eloise is the perfect community to call home with its beautiful Florida lifestyle and amenities. This community boasts stunning home sites. You'll enjoy the sparkling local lakes practically in

  Paul King DR HORTON REALTY OF CENTRAL FLORIDA LLC

  2526 Sage Valley Way, Winter Haven, FL 33884
• 

  

  /32

  $340,490 Open Sun 12PM - 6PM

  • 4 Beds
  • 2 Baths
  • 1,828 Sq Ft

  2634 Sage Valley Way, Winter Haven, FL 33884

  Under Construction. Find everything you need in Harmony on Lake Eloise! Located just minutes from world class theme parks and attractions, Harmony on Lake Eloise is the perfect community to call home with its beautiful Florida lifestyle and amenities. This community boasts stunning home sites. You'll enjoy the sparkling local lakes practically in your backyard and the best local restaurants and

  Paul King DR HORTON REALTY OF CENTRAL FLORIDA LLC

  2634 Sage Valley Way, Winter Haven, FL 33884
• 

  

  /37

  $332,366 New Construction

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

  Winter Haven, FL 33884

  Welcome to Tranquilty, where summer nights and peaceful mornings are best enjoyed in style. This charming home is designed for relaxation and connection, featuring a welcoming front porch perfect for sipping coffee at sunrise and a spacious lanai in the back, ideal for unwinding under the stars. Whether you're enjoying a quiet evening breeze or entertaining guests in a cozy outdoor setting, this

  Delana Bender ADAMS HOMES REALTY

  Winter Haven, FL 33884
• 

  

  /29

  $325,529 New Construction

  • 4 Beds
  • 2.5 Baths
  • 2,202 Sq Ft

  1480 Leamington Ln, Winter Haven, FL 33884

  This two-story home features 4 bedrooms and 2 and a half baths. This Home begins with a two-story foyer opening up to the spacious first floor living spaces. The kitchen shines with abundant counter space and an island perfect for entertaining, Upstairs, you will find all four bedrooms and the designated laundry room. CUSTOM EXTERIOR includes 30-year mildew resistant dimensional shingles

  Claudia Gutierrez ADAMS HOMES REALTY

  1480 Leamington Ln, Winter Haven, FL 33884
• 

  

  /44

  $338,967 New Construction

  • 4 Beds
  • 2.5 Baths
  • 2,405 Sq Ft

  1476 Leamington Ln, Winter Haven, FL 33884

  This two-story home features 4 bedrooms and 2 and a half baths. This Home begins with a two-story foyer opening up to the spacious first floor living spaces. The kitchen shines with abundant counter space and an island perfect for entertaining, Upstairs, you will find all four bedrooms and the designated laundry room. CUSTOM EXTERIOR includes 30-year mildew resistant dimensional shingles

  Delana Bender ADAMS HOMES REALTY

  1476 Leamington Ln, Winter Haven, FL 33884

Showing Results 81 - 120, Page 3 of 4