957

Homes for Sale near Fred G. Garner Elementary School

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  • /44

    $320,000

    • 3 Beds
    • 3 Baths
    • 2,377 Sq Ft

    2 Casarena Ct, Winter Haven, FL 33881

    **RECENTLY REDUCED AND PRICED TO SELL** Welcome to this spacious 3 bedroom, 3 bath townhouse located in the private, gated, lakefront community of Casarena on the Lakes. Situated on the Winter Haven Chain of Lakes with a desirable south-facing view of Lake Cannon, this home offers the rare opportunity to enjoy both sunrise and sunset views right from your own space. Three-bedroom properties in

    Kylie Berry BERRY REALTY & APPRAISAL SERVICES PA

    2 Casarena Ct, Winter Haven, FL 33881
  • /47

    $795,000

    • 3 Beds
    • 3 Baths
    • 2,001 Sq Ft

    1290 N Lake Shipp Dr SW, Winter Haven, FL 33880

    Welcome to true lakefront living on the renowned Chain of Lakes in Winter Haven, perfectly positioned on Lake Shipp with approximately 500 feet of waterfrontage, an extremely rare offering that creates the feel of your own private park right in your backyard. Built in 2021 with block-on-slab construction and a durable metal roof, this 3-bedroom, 3-bathroom home was designed to maximize water

    David Small KELLER WILLIAMS REALTY SMART 1

    1290 N Lake Shipp Dr SW, Winter Haven, FL 33880
  • /22

    $45,000

    • 2 Beds
    • 2 Baths
    • 672 Sq Ft

    46 Odessa Dr SW, Winter Haven, FL 33880

    Fixer Upper with Split Floor Plan in a 55+ Community - Winter Haven, Florida Homes in Garden Mobile Village, a 55+ community are on lot leased land Winter Haven, Florida. Owning the home, but not the land, you pay a monthly lot rent of $462.00 which gives you and your guest access to the amenities of the community. Water, sewer & trash are included in the lot fee. Also, each home has a boat

    Bette Johnson Renee's Resales

    46 Odessa Dr SW, Winter Haven, FL 33880
  • /27

    $59,000

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

    405 Seneca Dr Unit 196, Auburndale, FL 33823

    Located in a very popular, active, 55+ community in Central Florida, this very well maintained 3 bedroom, 2 bath home offers you space, comfort, and an exceptional lifestyle for your future years. This freshly painted home, throughout, features 3 generously sized bedrooms with laminate flooring, abundant cabinet and storage space, and a conveniently oversized galley kitchen complete with ample

    Patricia Young USA Mobile & Manufactured Home Sales, LLC.

    405 Seneca Dr Unit 196, Auburndale, FL 33823
  • /2

    $169,000

    • Land
    • 10,890 Sq Ft
    • $676,000 per Acre

    709 Lake Shipp Dr, Winter Haven, FL 33880

    Please note: Price reduction. Curt Campbell is my brother and I represent his interest in this Transaction. This property features access to the Winter Haven Chain of Lakes and there is NO HOA.

    Jim Campbell CENTURY 21 MYERS REALTY

    709 Lake Shipp Dr, Winter Haven, FL 33880
  • /14

    $179,000

    • 3 Beds
    • 1 Bath
    • 768 Sq Ft

    306 Palmetto Ave NW, Winter Haven, FL 33881

    Located in the desirable Harrington subdivision of Winter Haven, this beautifully single-family home offers the perfect blend of comfort, style, and value. Featuring 3 spacious bedrooms and 1 bathroom, the home showcases a bright open-concept layout ideal for modern living. The kitchen boasts granite countertops, stainless steel appliances, and ample cabinet space. Enjoy durable vinyl plank

    Hamid Dghirni PREMIUM PROPERTIES R.E. SERVICE

    306 Palmetto Ave NW, Winter Haven, FL 33881
  • /2

    $30,000

    • 2 Beds
    • 1 Bath
    • 680 Sq Ft

    124 1st St N, Winter Haven, FL 33881

    Auction Property. ***Auction will run April 27th 2026- May 7th 2026 *** 2 bedroom 1 bathroom house ***All property information to be verified by buyers***Property is sold with any outstanding code violations, liens, or expired permits. Buyer to do own research prior to bidding.

    Tony Kelly A BETTER LIFE REALTY

    124 1st St N, Winter Haven, FL 33881
  • /57

    $17,900

    • 2 Beds
    • 1.5 Baths

    43 Charles Dr, Winter Haven, FL 33880

    Welcome to your renovation opportunity at 43 Charles Drive in Winter Haven! This charming 2-bedroom, 1.5-bathroom home is perfect for buyers seeking a project with excellent investment potential in a vibrant community setting. **Monthly lot rent is just $850, which includes water, sewer, and trash services** This handyman special comes equipped with essential appliances including washer, dryer,

    Chrissy Walter Sunset Home Sales

    43 Charles Dr, Winter Haven, FL 33880
  • /26

    $224,500

    • 2 Beds
    • 3 Baths
    • 1,264 Sq Ft

    427 Avenue E SE, Winter Haven, FL 33880

    Welcome home to this enchanting 2-bedrrom,3-bathroom cottage that radiates warmth through it extensive natural wood craftmanship and design. Unlike standard cookie-cutter homes, this residence offers a unique layout. Master bedroom could be split,making the home a three bedroom. There is lots a natural wood throughout the home. Enjoy the freedom of no HOA, giving you the full control over your

    Joni Reiter COLDWELL BANKER REALTY

    427 Avenue E SE, Winter Haven, FL 33880
  • /15

    $24,999

    • 3 Beds
    • 2 Baths
    • 896 Sq Ft

    26 Lazy Ln, Lake Alfred, FL 33850

    LOWERED PRICE and QUICK CLOSE in 3-5 days!! This spacious 3-bedroom, 2-bathroom home is located on a desirable corner lot in the 55 community of Leisure Homes MHP. This well-lit home features an open floor plan, beautiful shade trees, and is partially furnished for added convenience. Each bedroom includes built-in dressers, and additional features include an inside laundry room, vinyl flooring,

    Todd Newby NEWBY REALTY INC

    26 Lazy Ln, Lake Alfred, FL 33850
  • /16

    $165,900

    • 2 Beds
    • 1 Bath
    • 840 Sq Ft

    1246 31st St NW, Winter Haven, FL 33881

    Welcome to this charming 2-bedroom, 1-bathroom home in the West Cannon Heights neighborhood of Winter Haven, an excellent opportunity for first-time buyers or investors. With a really large open kitchen, this home is move-in ready. The exterior features a covered parking area and a workshop with a new roof. This property offers a cozy living space and a convenient location, with no HOA fees.

    Pablo Lluveras Matos PEOPLE'S CHOICE REALTY SVC LLC

    1246 31st St NW, Winter Haven, FL 33881
  • /27

    $215,000

    • 3 Beds
    • 2 Baths
    • 640 Sq Ft

    1303 37th St NW, Winter Haven, FL 33881

    Welcome to this beautifully renovated 3-bedroom, 2-bath home located in the heart of Winter Haven. Thoughtfully updated with modern finishes while maintaining its charm, this spacious property offers flexible living areas and plenty of room to spread out. Recent renovations provide a fresh, move-in-ready feel throughout the home. Previous owners added extra rooms and expanded living spaces,

    Patrick Massey MARK SPAIN REAL ESTATE

    1303 37th St NW, Winter Haven, FL 33881
  • /25

    $120,000

    • 2 Beds
    • 2 Baths
    • 1,148 Sq Ft

    1550 11th St NE Unit F2, Winter Haven, FL 33881

    Welcome to this 2-bedroom, 2-bathroom ground-floor condo in the desirable Lake Buckeye community. This home features a bonus room and includes the washer and dryer for move-in ease. Step inside and enjoy seamless indoor-outdoor living with a cozy open patio off the dining area.The community enhances your lifestyle with amenities such as a sparkling pool, fishing pier, dock all while

    Brian Cox KELLER WILLIAMS REALTY SMART 1

    1550 11th St NE Unit F2, Winter Haven, FL 33881
  • /10

    $58,900

    • Land
    • 10,454 Sq Ft
    • $245,417 per Acre

    473 Waterfern Trail Dr, Auburndale, FL 33823

    Build your custom home in the gated, lakefront community of Water Ridge in Auburndale. Situated on elevated terrain with gently varying topography, this private, gated community is surrounded by Lake Van, Lake Medora, and Lake Alfred. Amenities include multiple pools, clubhouse, fitness center, sauna, tennis and pickleball courts, and walking trails. This homesite features rear-facing views of

    Lisa Sebastia EXP REALTY LLC

    473 Waterfern Trail Dr, Auburndale, FL 33823
  • /36

    $279,995

    • 4 Beds
    • 3 Baths
    • 2,101 Sq Ft

    3952 Warbler Dr, Winter Haven, FL 33880

    Welcome Home to Queens Cove! This stunning 4 bedroom, 2 bathroom home is located in the highly desirable community of Queens Cove in Winter Haven. NO CDD and low HOA. Minutes from Legoland, hospitals, shopping centers and mayor highways. Don't miss your opportunity to own an affordable home in the heart of Winter Haven. Schedule your showing today!

    Harrison Perez Collazo CAISSA REALTY INVESTMENT INC

    3952 Warbler Dr, Winter Haven, FL 33880
  • /26

    $109,000

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

    1617 Glen Abby Ln Unit 499, Winter Haven, FL 33881

    You will fall in love with this Well-Maintained Gem Homes in theFour Lakes Golf & Country Club, a pet-friendly, 55+ golf community inWinter Haven, Florida, are on lot leased land. Owning the home, but not the land, you pay a monthly lot rent of $ 679 which gives you and your guest access to the amenities of the community. Welcome to Florida Retirement Living at its best! Discover the perfect

    Michelle Gentile Renee's Resales

    1617 Glen Abby Ln Unit 499, Winter Haven, FL 33881
  • /27

    $349,900 New Construction

    • 4 Beds
    • 2 Baths
    • 1,905 Sq Ft

    2145 River Hawk Loop, Winter Haven, FL 33880

    Located in the new Residences at Winter Haven community, this home features the Everglades model floor plan, designed with an open-concept layout that maximizes natural light and functionality. The home backs directly to the community pond, offering open view and added privacy. Built with double-pane insulated windows and constructed in compliance with the current Florida Building Energy

    Laref Homes Builder
    2145 River Hawk Loop, Winter Haven, FL 33880
  • /21

    $115,000

    • 2 Beds
    • 2 Baths
    • 960 Sq Ft

    17 Kendra Ct, Winter Haven, FL 33880

    Just reduced approx. $30,000 below appraised value to allow for remodeling! This 2 Bedroom, 2 Bath home is located in Brandy Chase Village, a well-maintained 55+ community with clubhouse and heated pool. This home is surrounded on each side by green space views and conveniently located directly across from the community center. Open floor plan. Large, screened porch on back with utility room as

    Donna Sealy KLINE REAL ESTATE SERVICES

    17 Kendra Ct, Winter Haven, FL 33880
  • /35

    $274,900

    • 3 Beds
    • 2 Baths
    • 1,032 Sq Ft

    1568 S Lake Shipp Dr, Winter Haven, FL 33880

    New - New - New! This 3 bedroom 2 bath features a beautiful lake view and has been completely remodeled. Updates include a new HVAC system, new metal roof, new kitchen with granite counters, new bathrooms, new flooring, and new septic system. No HOA means you can store your boat. Can be purchased together with 73 High Street to make a family compound or have an income producing property. (MLS

    Dwight Head ALLSTATE REALTY SERVICES

    1568 S Lake Shipp Dr, Winter Haven, FL 33880
  • /29

    $200,000

    • 2 Beds
    • 2 Baths
    • 1,224 Sq Ft

    2208 San Marcos Cir SE, Winter Haven, FL 33880

    The property you are inquiring about is located in Winter Haven, FL, in the Park Lake area of Polk County. This is an amazing opportunity for anyone wanting to be close in one single floor, walkable distance to almost everything, and is ready to move into. This is a 2-bedroom, 2-bath home with 1,224 sq.ft. plus a single-car garage, and has been updated. Text, call, and see it today. *Agents,

    Renee Butler BROKERS REALTY OF CENTRAL FLOR

    2208 San Marcos Cir SE, Winter Haven, FL 33880
  • /30

    $209,900

    • 2 Beds
    • 2.5 Baths
    • 1,280 Sq Ft

    323 Orange Blossom Dr Unit 1, Winter Haven, FL 33880

    WATERFRONT! ON THE CANAL TO THE CHAIN OF LAKES!! This townhouse is low-maintenance and offers a tranquil setting right in the middle of town, great location!. Primary bedroom with ensuite and screened-in balcony, one car garage and open concrete patio. The screened patio is perfect for enjoying views of boaters and paddle boarders passing between the lakes. Focusing on recreation, this home is in

    Rick Hemenway CROSBY & ASSOCIATES, INC.

    323 Orange Blossom Dr Unit 1, Winter Haven, FL 33880
  • /64

    $765,000

    • 4 Beds
    • 2.5 Baths
    • 3,681 Sq Ft

    1950 Foxhollow Dr E, Auburndale, FL 33823

    Your private country estate on nearly 3 acres is waiting! Offered fully furnished, a beautifully updated 4-bed, 2.5-bath home with a spacious great room, stone fireplace, crown molding, and a chef's kitchen featuring GE Profile stainless appliances, Forno 6-burner gas range, and beverage center. A large flex room with kitchenette is ideal for an in-law suite, home office, or ADU. Enjoy two

    Bernadette Bunch LoKation

    1950 Foxhollow Dr E, Auburndale, FL 33823
  • /47

    $375,000

    • 3 Beds
    • 2 Baths
    • 2,018 Sq Ft

    506 Alleria Ct, Auburndale, FL 33823

    This is one of those homes that makes you stop and say, “Wait... why is this still available? Welcome home to 506 Alleria Court located in the gated community of The Estates of Auburndale. This well maintained single story home sits on an oversized lot at the end of a quiet cul de sac offering privacy and added outdoor space rarely available in the community. The home features 3 bedrooms and 2

    Jason Prieto LPT REALTY, LLC

    506 Alleria Ct, Auburndale, FL 33823
  • /4

    $75,000

    • Land
    • 10,018 Sq Ft
    • $326,087 per Acre

    546 Adams View Ln, Auburndale, FL 33823

    Vacant land nestled in one of Central Florida’s most peaceful lakefront communities. Located at 546 Adams View Lane in Water Ridge, Auburndale, this 0.23-acre residential homesite offers the perfect canvas to design a home that reflects your lifestyle. Set within the gated Water Ridge community, this lot is positioned near Lake Alfred, Lake Van, and Lake Medora, giving you proximity to water

    Paola Medina NOVA REAL ESTATE SERVICES INC

    546 Adams View Ln, Auburndale, FL 33823
  • /33

    $123,900

    • 3 Beds
    • 2 Baths
    • 1,624 Sq Ft

    1513 Aberdeen Ln Unit 197, Winter Haven, FL 33881

    Experience resort style living in this beautifully furnished home overlooking the 9th tee of the prestigious Four Lakes Golf Community. Homes in the Four Lakes Golf & Country Club, a pet-friendly, 55+ golf community in Winter Haven, Florida, are on lot leased land. Owning the home, but not the land, you pay a monthly lot rent of $836.00 which gives you and your guest access to the amenities of

    Kathy Sutak Renee's Resales

    1513 Aberdeen Ln Unit 197, Winter Haven, FL 33881
  • /34

    $297,900

    • 3 Beds
    • 2 Baths
    • 1,584 Sq Ft

    117 Harbor Way, Auburndale, FL 33823

    This remodeled 3/2 single-family residence offers comfort, convenience, and security located in a gated community. Step inside to find a functional layout, with a spacious living area perfect for relaxing or entertaining. The new kitchen features upgraded all wood cabinetry and quartz countertops and new stainless appliances. Both bathrooms have also been updated with new cabinets and quartz

    Dwight Head ALLSTATE REALTY SERVICES

    117 Harbor Way, Auburndale, FL 33823
  • /40

    $99,000

    • Land
    • 21,780 Sq Ft
    • $198,000 per Acre

    426 Waterfern Trail Dr, Auburndale, FL 33823

    Secure this vacant lot in the upscale Water Ridge community at a BELOW-MARKET VALUE rate exclusively when building with Banna Homes. Navigating architectural requirements can be daunting, but with Banna Homes’ deep experience in the Water Ridge approval process, you can enjoy a seamless, stress-free path from groundbreaking to move-in. Whether you prefer a streamlined experience or a fully custom

    Antoinette Vazquez COLDWELL BANKER REALTY

    426 Waterfern Trail Dr, Auburndale, FL 33823
  • /73

    $259,000

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

    1709 Linz Ct, Winter Haven, FL 33884

    NATURE CALLS, flies, and strolls by this beautiful NEW CONSTRUCTION Villa. Complete, and ready for its 1st happy homeowner. Bright, fresh, and relaxing 2 bedroom 2 bath with 2 car garage. The beautifully finished kitchen comes complete with a full stainless steel appliance package, granite tops, and modern gray cabinets. These lovely cabinets, and countertops also complement both the primary

    Marti Sutton CENTURY 21 WATSON & MYERS REALTY

    1709 Linz Ct, Winter Haven, FL 33884
  • /38

    $285,000

    • 3 Beds
    • 2 Baths
    • 1,543 Sq Ft

    111 Krenson Bay Loop, Winter Haven, FL 33881

    One or more photo(s) has been virtually staged. Short Sale. Welcome to this beautifully maintained 3-bedroom, 2-bath home with a 2-car garage, offering 1,512 square feet of comfortable living space in a desirable gated community in Winter Haven. Built just two years ago, this nearly new home blends modern design with a warm, family-friendly feel. Step inside to find vaulted ceilings and tile

    Carolina Flores, LLC LPT REALTY, LLC

    111 Krenson Bay Loop, Winter Haven, FL 33881
  • /31

    $200,000

    • 3 Beds
    • 1 Bath
    • 912 Sq Ft

    300 Avenue V NE, Winter Haven, FL 33881

    Welcome to this charming 3 bedroom, 1 bath home ideally located in the heart of Winter Haven, just minutes from shopping, dining, and schools. From the moment you arrive, you’ll be greeted by a lush, established front garden, perfect for those who enjoy outdoor living or gardening. The home features a covered front porch, ideal for relaxing mornings or unwinding in the evenings, along with a

    Casandra Vann KELLER WILLIAMS REALTY SMART

    300 Avenue V NE, Winter Haven, FL 33881
  • /8

    $73,000

    • Land
    • 11,325 Sq Ft
    • $280,769 per Acre

    126 Stargrass Dr, Auburndale, FL 33823

    Build your dream home in this exclusive gated community in beautiful Auburndale, Florida! This spacious .26-acrea lot is ready to build and perfectly located in Central Florida, just a short drive from Disney, Legoland, and other world-renowned attractions. Enjoy upscale amenities including a clubhouse, community pool, and well-maintained common areas. Whether you're looking to build your forever

    David Bryant LA ROSA REALTY PRESTIGE

    126 Stargrass Dr, Auburndale, FL 33823
  • /6

    $354,490 New Construction

    • 4 Beds
    • 3 Baths
    • 1,988 Sq Ft

    Hibiscus Plan at The Reserve at Van Oaks, Auburndale, FL 33823

    The Hibiscus's open plan creates a unified living space with a large great room that overlooks the kitchen and dining area. The primary suite is tucked in the rear of the home offering plenty of privacy and features a spacious walk-in closet and shower.

    Meritage Homes Builder
    1049 Oak Valley Dr Unit 37076903, Auburndale, FL 33823
  • /29

    $299,000

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

    1014 Caroline Ave, Auburndale, FL 33823

    Charming Auburndale Home near Lake Ariana! In the heart of Auburndale, conveniently located from I-4, making commuting to Lakeland, Orlando and Tampa a breeze. This beautifully updated 4Bed/ 2 Full Bath home features a modern and sleek vibe, with its freshly updated exterior, and its newer wooden fence surrounding this 7,841 sqft lot, designed to give you security and the ultimate backyard

    Tatiana Torres KELLER WILLIAMS REALTY SMART

    1014 Caroline Ave, Auburndale, FL 33823
  • /92

    $1,247,000 New Construction

    • 4 Beds
    • 5.5 Baths
    • 3,527 Sq Ft

    156 Caladium Ave, Lake Alfred, FL 33850

    Experience lakefront luxury at its finest in this brand-new, architect-designed residence located in the prestigious, gated community of Water Ridge. This bold and sophisticated home features 4 full ensuite bedrooms, 1 additional full bath, a stylish powder room, a private home office, and an elegant glass-enclosed wine room, all crafted with impeccable attention to detail. The floating glass

    Jen Dantas THE FLORIDA LOUNGE REALTY LLC

    156 Caladium Ave, Lake Alfred, FL 33850
  • /73

    $134,900

    • 2 Beds
    • 2 Baths
    • 784 Sq Ft

    1935 Regina Dr, Lake Alfred, FL 33850

    Beautiful well maintained home in Lake Mariana Acres. This water access community offers a clubhouse for entertaining, games, and parties. There is a shuffle board area, dock for fishing and a community boat ramp. This furnished home is super clean with lots of extra space, move in ready, all it needs is a new owner! The entire home is surrounded with pavers, there are two sheds, 12X10 that can

    Amy Riggleman SIGNATURE PROPERTIES OF CENTRAL FLORIDA LLC

    1935 Regina Dr, Lake Alfred, FL 33850
  • /2

    $429,900 New Construction

    • 4 Beds
    • 3 Baths
    • 2,378 Sq Ft

    2112 River Hawk Loop, Winter Haven, FL 33880

    Under Construction. Under Construction. Welcome to the Residences at Winter Haven, a premier new single-family community designed for those who value both quality and connection. Set within this inviting neighborhood, the Crystal River Gen Suite floor plan brings a versatile elegance to everyday living. The open layout is anchored by a stunning gourmet kitchen featuring a waterfall island, while

    Rodrigo Gomes De Almeida KELLER WILLIAMS REALTY AT THE LAKES

    2112 River Hawk Loop, Winter Haven, FL 33880
  • /13

    $325,000

    • 4 Beds
    • 2 Baths
    • 1,846 Sq Ft

    943 Summer Glen Dr, Winter Haven, FL 33880

    One or more photo(s) has been virtually staged. 943 Summer Glen Dr is a spacious and well-maintained home offering exceptional value in the heart of Winter Haven. This move-in-ready residence features a functional, open floor plan designed for modern living and effortless entertaining. The bright, airy interior flows seamlessly into versatile living spaces, including a comfortable primary suite

    Stacey Vazquez KELLER WILLIAMS REALTY AT THE LAKES

    943 Summer Glen Dr, Winter Haven, FL 33880
  • /22

    $579,000

    • 9 Beds
    • 6 Baths
    • 3,196 Sq Ft

    514 Avenue C NE, Winter Haven, FL 33881

    Turnkey quadplex ( 5 units) investment opportunity in Winter Haven This income-producing multifamily property features 4 of 5 units currently leased, delivering strong in-place cash flow with additional upside from one vacant unit. Recent capital improvements include a new metal roof, updated HVAC system, and multiple interior and exterior upgrades completed within the past year, reducing

    Michael Hochadel BHHS FLORIDA PROPERTIES GROUP

    514 Avenue C NE, Winter Haven, FL 33881
  • /20

    $84,500

    • Land
    • 8,712 Sq Ft
    • $422,500 per Acre

    338 Spinnaker Ct, Auburndale, FL 33823

    Discover the lifestyle you’ve been waiting for at Water Ridge, an exceptional community filled with outstanding amenities. Here you’ll enjoy exclusive access to three scenic lakes, each featuring its own private boat ramp and fishing pier. The neighborhood also offers tennis courts, a state-of-the-art fitness center, three sparkling pools, secure boat storage, and a stunning multi-million-dollar

    Yanira Suarez LPT REALTY, LLC

    338 Spinnaker Ct, Auburndale, FL 33823
  • /39

    $269,990

    • 3 Beds
    • 3 Baths
    • 1,408 Sq Ft

    811 22nd St NW, Winter Haven, FL 33881

    "Welcome to this charming 3-bedroom, 3-full-bath home nestled in the heart of Winter Haven! One of the bedrooms features a private entrance, making it perfect as an IN-LAW SUITE, home office/studio, or an income-producing rental opportunity. The spacious Florida room with screen enclosure is ideal for relaxing and entertaining, while the front screened porch adds extra curb appeal and a cozy

    Romina Peragine FLORIDA REALTY INVESTMENTS

    811 22nd St NW, Winter Haven, FL 33881

Showing Results 441 - 480, Page 12 of 18

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