1,329

Newest Homes for Sale in Winter Haven, FL

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  • /14

    $336,990

    New Construction
    • 4 Beds
    • 2 Baths
    • 1,909 Sq Ft

    3319 Twilight Rd, Winter Haven, FL 33881

    As you enter the home from the extended front porch, you’re welcomed into the foyer, where two bedrooms sit at the front of the home and share a full bath. Continuing down the hall, you'll find an additional bedroom and a conveniently located laundry room nearby. The heart of the home opens into the kitchen, seamlessly connected to the family room and dining area, creating an inviting space for

    Starlight Homes Builder
    3319 Twilight Rd, Winter Haven, FL 33881
  • /10

    $309,990

    New Construction $7K PRICE DROP
    • 4 Beds
    • 2 Baths
    • 1,607 Sq Ft

    5029 Kaia Ave, Winter Haven, FL 33884

    An open floorplan that makes entertaining easy in the open kitchen, dining, and great room that flow to the patio. 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
    5029 Kaia Ave, Winter Haven, FL 33884
  • /2

    $352,255

    New Construction
    • 4 Beds
    • 3 Baths
    • 2,227 Sq Ft

    5128 Sylas Jax Ave, Winter Haven, FL 33884

    Brand-new 2-story home for sale in Winter Haven, Florida, with 4 bedrooms and a loft! Welcome to the Seabrooke II! Downstairs, enjoy a welcoming, open living area with luxury vinyl plank flooring! Plus, enjoy outdoor living on your large covered lanai, spanning the entire back of your home! Upstairs, your beautiful owner's suite is complete with a private en-suite bath with a decorative tiled

    Highland Homes Builder
    5128 Sylas Jax Ave, Winter Haven, FL 33884
  • /20

    $338,900

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

    1633 Nantucket Way, Winter Haven, FL 33884

    Take advantage of an incredible builder promotion featuring low down payment options and builder paid closing costs, rate promotions, with a low 4.25% available making homeownership more accessible than ever. Inside you'll find premium upgrades throughout, from high end finishes and designer details to an open concept layout built for both everyday living and entertaining. Why wait to build when

    Christopher Courtney DENIZ REALTY PARTNERS LLC

    1633 Nantucket Way, Winter Haven, FL 33884
  • /9

    $319,990

    New Construction
    • 4 Beds
    • 2 Baths
    • 1,802 Sq Ft

    3235 Nightfall Rd, Winter Haven, FL 33881

    You enter the home through the foyer, where three bedrooms are located at the front of the home, along with a centrally positioned laundry room that also provides access to the two-car garage. Continuing down the hall, the home opens up to a spacious kitchen, family room, and dining area—perfect for everyday living and entertaining. A covered patio is located just off the family room for outdoor

    Starlight Homes Builder
    3235 Nightfall Rd, Winter Haven, FL 33881
  • /9

    $353,120

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

    5013 Kaia Ave, Winter Haven, FL 33884

    Open floor plan creates a unified living space with a large great room that overlooks the kitchen.

    Meritage Homes Builder
    5013 Kaia Ave, Winter Haven, FL 33884
  • /10

    $383,590

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

    5025 Kaia Ave, Winter Haven, FL 33884

    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.

    Meritage Homes Builder
    5025 Kaia Ave, Winter Haven, FL 33884
  • /16

    $289,490

    New Construction $10K PRICE DROP
    • 5 Beds
    • 2 Baths
    • 2,112 Sq Ft

    6212 Botticella Blvd, Winter Haven, FL 33884

    The first floor of this new 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 closet and en-suite bathroom.

    Lennar Builder
    6212 Botticella Blvd, Winter Haven, FL 33884
  • /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
  • /2

    $384,900

    New Construction
    • 4 Beds
    • 2 Baths
    • 2,032 Sq Ft

    2108 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 Everglades floor plan brings a natural ease to everyday living, from its open layout to the thoughtful finishes. At the heart of the home is a stunning kitchen featuring a large

    Rodrigo Gomes De Almeida KELLER WILLIAMS REALTY AT THE LAKES

    2108 River Hawk Loop, Winter Haven, FL 33880
  • /49

    $175,000

    • 3 Beds
    • 2 Baths
    • 2,100 Sq Ft

    1620 Glen Abby Ln Unit 227, Winter Haven, FL 33881

    Welcome to your new home in Four Lakes Golf Club, Winter Haven, Florida! This oasis offers a Great kitchen area with a pass-through counter and open walkway to an open concept living-dining area combination! The Large primary bedroom and bathroom make evening and morning routines a spa-like experience. Great natural light throughout the home gives a spacious appeal. A split-level Lanai provides

    Deb Bartholomew Sunset Home Sales

    1620 Glen Abby Ln Unit 227, Winter Haven, FL 33881
  • /35

    $149,900

    • 2 Beds
    • 2 Baths
    • 1,476 Sq Ft

    1112 La Costa Ln Unit 657, Winter Haven, FL 33881

    2 Bed | 2 Bath | 1,476 Sq Ft | $149,900 Four Lakes Golf Club Lot 657 Calling all golf enthusiasts-VIEWS, VIEWS, VIEWS! This is the home you've been waiting for. This beautifully maintained home offers breathtaking golf course views and unforgettable sunsets from multiple outdoor living spaces. Enjoy the best of Florida living with an extra-large windowed Florida Room-perfect for soaking in those

    Cheryl Dobbs CRF Communities

    1112 La Costa Ln Unit 657, Winter Haven, FL 33881
  • /41

    $375,000

    • 4 Beds
    • 2 Baths
    • 2,360 Sq Ft

    1210 Zambrana Ct, Winter Haven, FL 33884

    Welcome to your next home in the heart of Winter Haven! Located on a peaceful cul-de-sac, this charming property at 1210 Zambrana Ct offers the perfect blend of comfort, space, and convenience. Featuring a bright and open layout, this home is designed for both relaxing and entertaining. Enjoy spacious living areas filled with natural light, a functional kitchen with plenty of storage, and

    Ivanna Mendoza PAK HOME REALTY

    1210 Zambrana Ct, Winter Haven, FL 33884
  • /35

    $524,900

    • 2 Beds
    • 2 Baths
    • 896 Sq Ft

    612 Morgan Rd, Winter Haven, FL 33880

    Turnkey opportunity to own a fully equipped citrus nursery on 5 acres! This versatile property is currently functioning as a citrus nursery, with the infrastructure already in place to support expansion into a variety of other agricultural uses. Featuring four greenhouses (one greenhouse has 3 domes) totaling in approximately 16,000 square feet, each equipped with electricity and water. This

    Stephanie Bombinski AGENT GROUP REALTY

    612 Morgan Rd, Winter Haven, FL 33880
  • /44

    $315,000

    $10K PRICE DROP
    • 4 Beds
    • 2 Baths
    • 1,996 Sq Ft

    239 Sunfish Dr, Winter Haven, FL 33881

    Welcome to 239 Sunfish Dr, a 4-bedroom, 2-bath home in one of Winter Haven’s growing communities, offering modern comfort, thoughtful upgrades, and outdoor spaces designed to be enjoyed year-round. Built in 2021 and offering nearly 2,000 square feet of living space, this home is move-in ready and packed with value for homeowners and investors alike.Inside, you’ll find a spacious open-concept

    Agent Photo

    Noah Stevens

    REAL BROKER, LLC

    (863) 591-0833

    239 Sunfish Dr, Winter Haven, FL 33881
  • /95

    $777,700

    • 4 Beds
    • 3.5 Baths
    • 2,363 Sq Ft

    1095 W Lake Hamilton Dr, Winter Haven, FL 33881

    Welcome to this exceptional 4-bedroom, 3-bath home set on over half an acre, offering a rare combination of space, privacy, and versatility, complete with a heated swimming pool, screened-in patio, and an impressive 32x48 insulated and air-conditioned workshop.From the moment you arrive, you’ll appreciate the curb appeal with a well-maintained exterior, extended driveway, and ample parking

    Damon Trueman PROPERTY SHOPPE OF CENTRAL FL

    1095 W Lake Hamilton Dr, Winter Haven, FL 33881
  • /19

    $329,000

    • 3 Beds
    • 2 Baths
    • 1,980 Sq Ft

    524 Haines Trail, Winter Haven, FL 33881

    Beautifully maintained, highly upgraded home in a quiet, conveniently located community. From the moment you arrive, you’ll notice the strong curb appeal with manicured landscaping and a spacious screened front entry welcoming you inside.Step through the front door to find high ceilings and a wide hallway that opens into a bright, inviting great room. The open-concept kitchen flows seamlessly

    David Cepeda KELLER WILLIAMS REALTY SMART 1

    524 Haines Trail, Winter Haven, FL 33881
  • /14

    $210,000

    • 3 Beds
    • 1 Bath
    • 1,060 Sq Ft

    1665 Teagan Ln, Winter Haven, FL 33884

    Welcome to your next chapter in beautiful Winter Haven! This charming home offers the perfect blend of comfort, convenience, and value—an ideal opportunity whether you're a first-time buyer, downsizing, or looking to invest. Step inside to discover a bright and inviting layout designed for everyday living. The home features well-proportioned living spaces filled with natural light, creating a

    Belkis Garcia EXP REALTY LLC

    1665 Teagan Ln, Winter Haven, FL 33884
  • /2

    $305,000

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

    6103 Grey Heron Dr, Winter Haven, FL 33881

    Welcome to 6103 Grey Heron Dr in Winter Haven, FL — a beautifully maintained move-in ready home offering modern finishes, open-concept living, and stylish design throughout. This spacious home features a bright and airy split floor plan with neutral tones, abundant natural light, and seamless flow between the kitchen, dining, and living areas — perfect for both everyday living and entertaining.

    Katherine Suero BROKER HUB REALTY GROUP LLC

    6103 Grey Heron Dr, Winter Haven, FL 33881
  • /17

    $38,990

    • 2 Beds
    • 2 Baths
    • 1,040 Sq Ft

    147 Oak Tree Blvd Unit 173, Winter Haven, FL 33880

    2bedrooms/2baths/1,040sf/$38,990/Winter Haven Oaks/lot 173 Charming two-bedroom, two-bath home featuring Brand-new appliances, including state-of-the -art refrigerator. This well-maintained home offers an oversized carport and spacious driveway, providing plenty of parking and convenience. Ideally situated in a great location within the community, this home combines comfort and accessibility. The

    Donna Lattin CRF Communities

    147 Oak Tree Blvd Unit 173, Winter Haven, FL 33880
  • /42

    $119,000

    • 2 Beds
    • 2 Baths
    • 1,534 Sq Ft

    1201 Las Brisas Ln Unit 388, Winter Haven, FL 33881

    2 Bed + den | 2 Bath | 1,534 sq. ft |$119,000 Four Lakes Golf Club Lot 388 This beautifully maintained and fully furnished home boasts comfort, style and thoughtful upgrades-all nestled on a desirable corner lot. From the moment you arrive, you'll notice the charming decorative glass entry and upgraded composite steps. Inside, laminate flooring flows throughout the home, creating a clean and

    Cheryl Dobbs CRF Communities

    1201 Las Brisas Ln Unit 388, Winter Haven, FL 33881
  • /51

    $370,000

    • 4 Beds
    • 2 Baths
    • 2,248 Sq Ft

    116 Mandolin Dr, Winter Haven, FL 33884

    Welcome to 116 Mandolin Dr in the desirable GATED COMMUNITY of WINTER HAVEN, FL! This spacious 4-bedroom, 2-bathroom home offers 2,248 square feet of COMFORTABLE LIVING on a generous 0.26-acre lot WITH A LOW HOA AND NO CDD! Step inside to soaring VAULTED CEILINGS in the living and dining areas—these ELEVATED CEILINGS create an open, airy feel that makes the home even larger than its footprint.

    Nomar Rosa LPT REALTY, LLC

    116 Mandolin Dr, Winter Haven, FL 33884
  • /32

    $285,000

    $27K PRICE DROP
    • 4 Beds
    • 2 Baths
    • 1,628 Sq Ft

    554 Eagle Landing Blvd, Winter Haven, FL 33880

    Welcome to modern comfort in the heart of Winter Haven! This meticulously maintained 4-bedroom, 2-bathroom home is a move-in-ready living space. The residence features a bright, open-concept floor plan with a seamless flow between the kitchen and living areas, complemented by durable tile and laminate flooring. Enjoy outside living in your private fenced in backyard or sit on the enclosed patio

    Kalanda Scarvers SPANN & ASSOCIATES REAL ESTATE

    554 Eagle Landing Blvd, Winter Haven, FL 33880
  • /57

    $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
  • /40

    $296,000

    • 4 Beds
    • 2.5 Baths
    • 1,874 Sq Ft

    1985 Sarah St, Winter Haven, FL 33884

    Stop scrolling—this is the one. Welcome to 1985 Sarah Street, a 2025-built home in Winter Haven that perfectly blends modern design, functional space, and move-in-ready convenience. Situated on a premium corner lot with a fully fenced backyard, this 4-bedroom, 2.5-bathroom home offers 1,874 square feet of thoughtfully designed living space—ideal for both everyday living and entertaining. Step

    Tyler Wampler KELLER WILLIAMS REALTY SMART

    1985 Sarah St, Winter Haven, FL 33884
  • /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
  • /31

    $270,000

    $15K PRICE DROP
    • 3 Beds
    • 2 Baths
    • 1,690 Sq Ft

    693 Squires Grove Dr, Winter Haven, FL 33880

    Welcome to this beautifully maintained newer home in the desirable Squires Grove community of Winter Haven! Built in 2022, this spacious 3-bedroom, 2-bath residence offers an open-concept layout with a bright living and dining area—perfect for entertaining. The modern kitchen features ample cabinetry, sleek appliances, and a large island overlooking the main living space. A split-bedroom floor

    Danielle Williams MARK SPAIN REAL ESTATE

    693 Squires Grove Dr, Winter Haven, FL 33880
  • /45

    $302,500

    • 4 Beds
    • 2 Baths
    • 1,583 Sq Ft

    780 Overlook Grove Dr, Winter Haven, FL 33884

    Need 4 bedrooms, but don't need to break the budget? This is what you've been searching for here in the heart of Winter Haven! Situated perfectly W of Hwy 27 and out of the hustle and bustle of the city, this 4/2/2 home is ready for you! Close to houses of worship, schools, shopping, golf, and SO much more! Upon arrival, you note the quaint neighborhood, which quickly says "community." The home

    Agent Photo

    Cyleste Goodson

    FLORIDA REAL ESTATE COMPANY

    (863) 265-1231

    780 Overlook Grove Dr, Winter Haven, FL 33884
  • /64

    $995,000

    • 4 Beds
    • 3.5 Baths
    • 3,973 Sq Ft

    120 Mirror Ln NW, Winter Haven, FL 33881

    Experience refined lakefront living on the iconic Winter Haven Chain of Lakes, perfectly situated on the coveted shores of Lake Mirror—one of the most picturesque and desirable lakes in the chain. Known for its tranquility, stunning estate homes, and seamless access to the full chain, Lake Mirror offers a rare combination of privacy, beauty, and true waterfront lifestyle.This impeccably

    Agent Photo

    Brock Jennings

    THE MARKET REALTY COMPANY

    (863) 296-4802

    120 Mirror Ln NW, Winter Haven, FL 33881
  • /20

    $79,900

    $19K PRICE DROP
    • 3 Beds
    • 2 Baths
    • 768 Sq Ft

    706 Byni Ridge, Winter Haven, FL 33880

    3 bedroom, 2 bath mobile home with great potential. Needs some TLC, making it a perfect opportunity for investors or buyers looking to customize and add value.

    Ben Becton KELLER WILLIAMS REALTY SMART

    706 Byni Ridge, Winter Haven, FL 33880
  • /23

    $289,900

    • 3 Beds
    • 2 Baths
    • 1,500 Sq Ft

    316 Lake Smart Cir, Winter Haven, FL 33881

    This property is eligible under the 30 Day Freddie Mac First Look Initiative through 05/28/2026. OWNER OCCUPIED BUYERS and NSP offers will only be considered the first 30 days from initial MLS input date. Investors are encouraged to make an offer and will be considered after the First Look Initiative period has expired. Buyer pays Doc Stamps on deed. This 2022 home is barely lived in, Island

    Barry Macchione REMAX EXPERTS

    316 Lake Smart Cir, Winter Haven, FL 33881
  • /26

    $17,500

    • 2 Beds
    • 2 Baths

    122 King Dr, Winter Haven, FL 33884

    Welcome to easy, low-maintenance living in the desirable Orange Manor East community in Winter Haven, Florida! This well-updated 1975 double-wide mobile home offers comfort, space, and value all in one. Step inside and you'll immediately notice the completely redone subflooring with continuous laminate flooring throughout, giving the home a clean, modern feel. The interior flows nicely with 2

    Brandy Duncan Brandy Duncan Group Mobile Home Sales

    122 King Dr, Winter Haven, FL 33884
  • /29

    $89,900

    • 2 Beds
    • 2 Baths
    • 1,310 Sq Ft

    2019 Wentworth Place Unit 584, Winter Haven, FL 33881

    2 Bedroom | 2 Bath | 1,310 Sq Ft | $89,900 Four Lakes Golf Club Lot 584 Welcome to this well-maintained and thoughtfully designed home offering comfort, space, and exceptional value. From the moment you arrive, the decorator driveway adds a polished touch of curb appeal, setting the stage for what's inside. Step into a bright and inviting open floor plan, perfect for both everyday living and

    Cheryl Dobbs CRF Communities

    2019 Wentworth Place Unit 584, Winter Haven, FL 33881
  • /32

    $129,000

    • 2 Beds
    • 2 Baths
    • 1,697 Sq Ft

    1806 Belfry Ln Unit 539, Winter Haven, FL 33881

    2 Bedroom | 2 Bath | 1,697 Sq Ft | $129,000 Four Lakes Golf Club Lot 539 Purchase this home and enjoy 6 months of lot rent FREE!!! From the moment you arrive, this home captures your attention with its impeccable landscaping and charming front sitting area-the perfect place to relax and enjoy the Florida lifestyle. Beautifully maintained inside and out, this fully furnished, turnkey home is

    Cheryl Dobbs CRF Communities

    1806 Belfry Ln Unit 539, Winter Haven, FL 33881
  • /5

    $75,000

    • 2 Beds
    • 2 Baths
    • 1,456 Sq Ft

    5179 Orchid Tree Ln Unit 81, Winter Haven, FL 33880

    2bedrooms/2baths/1,456sf/$75,000/Winter Haven Oaks/#81 Charming and fully furnished, this beautiful two-bedroom, two bath home offers comfort, space and serene surroundings. Featuring a spacious den perfect for a home office or additional living area, the layout is both functional and inviting, brand new Air Conditioning will give you peace of mind. Situated on a stunning lot overlooking nature

    Donna Lattin CRF Communities

    5179 Orchid Tree Ln Unit 81, Winter Haven, FL 33880
  • /37

    $399,500

    • 3 Beds
    • 2 Baths
    • 1,160 Sq Ft

    1558 Drexel Ave NE, Winter Haven, FL 33881

    One or more photo(s) has been virtually staged. Completely renovated and move-in ready, this beautifully updated home combines modern style with everyday comfort in the heart of Central Florida. Step inside to a bright, open floor plan filled with natural light from large floor-to-ceiling windows throughout—including in the bedrooms. The spacious living areas flow seamlessly, creating a warm and

    David Small KELLER WILLIAMS REALTY SMART 1

    1558 Drexel Ave NE, Winter Haven, FL 33881
  • /50

    $300,000

    • 3 Beds
    • 2 Baths
    • 1,682 Sq Ft

    69 Enclave Dr, Winter Haven, FL 33884

    Welcome to 69 Enclave Drive, a beautifully updated home nestled inside the sought-after Cypresswood Golf & Country Club, a gated golf community known for its lush landscaping, resort-style amenities, and peaceful, secure atmosphere right in the heart of Polk County.From the moment you arrive, the manicured curb appeal sets the tone: mature palms, trimmed hedges, and a well-maintained façade

    Manny Quiros RE/MAX HERITAGE PROFESSIONALS

    69 Enclave Dr, Winter Haven, FL 33884
  • /33

    $750,000

    • 5 Beds
    • 5 Baths
    • 3,703 Sq Ft

    2656 Wyndsor Oaks Way, Winter Haven, FL 33884

    Discover refined living in Wyndsor at Lake Winterset, one of Winter Haven’s premier gated communities. Set on a half-acre lot, this beautifully maintained 5-bedroom, 5-bathroom residence blends timeless craftsmanship with thoughtful updates and an impressive amount of living space. Step inside to soaring ceilings, architectural arches, decorative pillars, crown molding, and tray ceilings that

    Jonathan Minerick HOMECOIN.COM

    2656 Wyndsor Oaks Way, Winter Haven, FL 33884
  • /6

    $65,000

    • Land
    • 9,583 Sq Ft
    • $295,455 per Acre

    9320 Canal Rd, Haines City, FL 33844

    Beautiful lot with a lot of potential, this property has 2 lots and are selling together. You can build in one lot or in both lots. Canal in the back connect with Lake Marion but canal needs to be cleared. A lot of new build and construction near by including shopping areas within 8 miles and a new Publix 4.4. electricity available, well needs pump and needs a new septic.

    Yolanda Soto Rosado ONE TEAM REALTY

    9320 Canal Rd, Haines City, FL 33844
  • /5

    $249,900

    New Construction
    • 3 Beds
    • 2 Baths
    • 1,604 Sq Ft

    369 Wharf Way, Winter Haven, FL 33881

    Brand-new 3-bedroom, open-layout townhome for sale in Winter Haven, FL! Downstairs, enjoy an open living area with a spacious gathering room, plus a convenient powder room, flex space, and a private covered lanai. Upstairs, relax in your private owner's suite with a large walk-in wardrobe and a private en-suite bathroom including dual vanities, a decorative tiled shower, closeted toilet, and

    Highland Homes Builder
    369 Wharf Way, Winter Haven, FL 33881

Showing Results 161 - 200, Page 5 of 18

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