1,040

Homes for Sale near Treasures of Life Academy

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  • /17

    $274,900

    • 3 Beds
    • 2 Baths
    • 1,538 Sq Ft

    109 James Cir, Lake Alfred, FL 33850

    One or more photo(s) has been virtually staged. BIG PRICE IMPROVEMENT & The seller will PAY UP TO $5,000 towards CLOSING COSTS! Welcome home to a move in ready home built complete with large PRIVACY FENCED yard, SCREENED PATIO and recently painted inside and out! The kitchen is the center of the home with lots of cabinets and counterspace. The master bedroom is large - plenty of space for a

    Angie Inzerillo BLUE SUN REALTY LLC

    109 James Cir, Lake Alfred, FL 33850
  • /25

    $950,000

    • Land
    • 0.25 Acre
    • $3,800,000 per Acre

    233 W Central Ave, Winter Haven, FL 33880

    SPECTACULAR LOCATION DOWNTOWN WINTER HAVEN— This vacant commercial property is prime real estate on beautiful Central Avenue. Excellent visibility and access to major thoroughfares around the city, this lot stands within the CRA District that offers attractive development incentives. Walking distance to businesses, shops and where nightlife entertainment is offered. Don’t miss this extraordinary

    Erin Floyd COLDWELL BANKER REALTY

    233 W Central Ave, Winter Haven, FL 33880
  • /33

    $125,000

    • 1 Bed
    • 1 Bath
    • 621 Sq Ft

    803 Orchid Springs Dr, Winter Haven, FL 33884

    NEWLY LISTED! Welcome home to this 1-bedroom, 1-bathroom condo located in the desirable Silverbell Condominiums in Winter Haven. Measuring 621 square feet the layout is well-designed to maximize openness and gives a spacious feel all around. You'll love the wood floors throughout the living areas and tile in the kitchen and bathroom... No carpet! The kitchen features updated appliances, a

    Matthew Lainhart KELLER WILLIAMS REALTY SMART

    803 Orchid Springs Dr, Winter Haven, FL 33884
  • /42

    $295,000

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

    608 William Ave, Winter Haven, FL 33880

    Nestled in a peaceful neighborhood, this beautifully updated four-bedroom, three-bath residence is a true gem that perfectly blends comfort and style. As you step inside, you’ll be greeted by an open concept floor plan that seamlessly connects the living, dining, and kitchen areas, creating a warm and inviting atmosphere perfect for entertaining and family gatherings. Elegant laminate wood

    David Small KELLER WILLIAMS REALTY SMART 1

    608 William Ave, Winter Haven, FL 33880
  • /31

    $69,900

    • 2 Beds
    • 2 Baths
    • 1,248 Sq Ft

    763 Century Ln, Winter Haven, FL 33881

    2/2 home has open floor plan. Large eat-in kitchen has lots of cabinet space and opens into the dining room with built-in China cabinet. Appliances stay including the washer and dryer. Master bedroom has ensuite bathroom with a walk-in shower and added counter and storage space. Home comes furnished. Updated windows, Golf cart garage with negotiable golf cart has space for a workshop and storage.

    Leslie Yokshas Flamingo Mobile Home Sales

    763 Century Ln, Winter Haven, FL 33881
  • /40

    $375,000

    • 5 Beds
    • 3 Baths
    • 2,652 Sq Ft

    616 Griffon Ave, Lake Alfred, FL 33850

    Welcome to this nearly new 5-bedroom, 3-bath home located in the sought-after Eden Hills community of Lake Alfred. Built with modern living in mind, this spacious home offers an open-concept layout, a stylish kitchen with stainless steel appliances, and a flexible floor plan perfect for families or multi-generational living. There is a bedroom on the 1st floor! Upstairs, you'll find generously

    Shannon Cruz Acosta CITARELLI REALTY GROUP LLC

    616 Griffon Ave, Lake Alfred, FL 33850
  • /28

    $550,000

    • 3 Beds
    • 2.5 Baths
    • 2,804 Sq Ft

    1316 Lake Ariana Blvd, Auburndale, FL 33823

    Welcome to Lakefront Living on Lake Ariana! This beautifully renovated 3-bedroom, 2.5-bath home offers a rare opportunity to own 100 feet of pristine lake frontage in the heart of Auburndale. Step inside to discover a fully updated, turn-key interior featuring modernized finishes throughout, along with updated plumbing and electrical systems, a newer roof (2022), and a high-efficiency AC unit

    Zachary Faulk Realty Hub

    1316 Lake Ariana Blvd, Auburndale, FL 33823
  • /31

    $334,500

    • 3 Beds
    • 2 Baths
    • 1,725 Sq Ft

    296 Inman Blvd, Winter Haven, FL 33881

    One or more photo(s) has been virtually staged. Built in 2023 and move-in ready for you and your family to begin enjoying your new home! Welcome to this beautiful 3 bedroom, 2 bathroom, 2-car garage home. Step inside and enjoy the luxury of having a split floorplan with the two bedrooms and additional bathroom in the front of the home and the primary bedroom with ensuite bathroom on the opposite

    Kevin Asenjo COLDWELL BANKER RESIDENTIAL RE

    296 Inman Blvd, Winter Haven, FL 33881
  • /21

    $288,900

    • 4 Beds
    • 2 Baths
    • 1,840 Sq Ft

    1737 Forest Run Ln, Auburndale, FL 33823

    Brand new, energy-efficient home available NOW! Prepare dinner while catching up on the day’s events from this home's open kitchen which overlooks a spacious great room and dining area. Retreat to your primary suite that is conveniently situated in the back of the home for plenty of privacy. Visit The Reserve at Van Oaks community and explore new single-family homes for sale in Auburndale,

    Bryan Sumner MERITAGE HOMES OF FL REALTY

    1737 Forest Run Ln, Auburndale, FL 33823
  • /3

    $200,000

    • Land
    • 0.51 Acre
    • $392,157 per Acre

    280 Caladium Ave, Lake Alfred, FL 33850

    Lakefront Elegance That Rivals Its Setting. Living in Central Florida can feel like you’re on an extended vacation in a tropical paradise. Especially when you live in a private lakefront community with resort-style amenities to delight the senses year-round. Water Ridge was designed to capitalize on Florida’s sunny weather with three beautiful pools, four lighted tennis courts, scenic walking

    Alexandra Mateu BAHIA INTERNATIONAL REALTY

    280 Caladium Ave, Lake Alfred, FL 33850
  • /14

    $288,000 Open Sat 10AM - 11AM

    • 3 Beds
    • 2 Baths
    • 1,430 Sq Ft

    550 E Thelma St, Lake Alfred, FL 33850

    Whether you're upsizing, relocating, or looking for a peaceful place to call home, this charming 3BR/2BA home on an oversized lot in Lake Alfred with no HOA is a must see! This home features wood-look tile flooring, a split floorplan, and a spacious yard perfect for pets or gardening. Enjoy nearby boating, parks, and easy access to major highways. Just 43 miles from Orlando International Airport.

    NATALIE HAWTHORNE NH REALTY GROUP

    550 E Thelma St, Lake Alfred, FL 33850
  • /32

    $349,999

    • 4 Beds
    • 3 Baths
    • 2,205 Sq Ft

    2213 W Pilaklakaha Ave, Auburndale, FL 33823

    POOL + SOLAR! Your Private Oasis with Modern EfficiencyDiscover the perfect blend of luxury and sustainability in this beautifully upgraded 4-bedroom, 3-bathroom home located in a desirable, well-established neighborhood. One of the standout features is the screened-in private pool—ideal for year-round relaxation and entertaining. Paired with a fully installed solar panel system, this

    Henry Linder XPERT REALTY GROUP

    2213 W Pilaklakaha Ave, Auburndale, FL 33823
  • /50

    $210,000

    • 3 Beds
    • 2 Baths
    • 968 Sq Ft

    1101 28th St NW, Winter Haven, FL 33881

    Welcome to 1101 28th St NW, Winter Haven, FL 33881 – a fully remodeled and income-generating property perfect for first-time buyers, investors, or anyone needing a private space for in-laws or extended family! Public records show the home as a 2-bedroom, 1-bathroom, but it now features including a completely separate 1-bedroom, 1-bath apartment currently rented for extra income. The entire

    Maria Pagan DEAL MAKERS REALTY TEAM CORP

    1101 28th St NW, Winter Haven, FL 33881
  • /43

    $329,900

    • 4 Beds
    • 3 Baths
    • 1,963 Sq Ft

    161 Bolender Rd, Auburndale, FL 33823

    One or more photo(s) has been virtually staged. A home with soul, character, and space for all your dreams.Located just one street away from the beautiful Lake Ariana and minutes from I-4, this property offers the perfect balance of peace and connectivity.Fully renovated in 2025 with high-quality materials: new roof, new A/C, new windows, a modern kitchen with quartz countertops, and

    Elsie Rivera Machuca THE VALENZUELA REAL ESTATE GRO

    161 Bolender Rd, Auburndale, FL 33823
  • /18

    $162,000

    • 3 Beds
    • 2 Baths
    • 1,073 Sq Ft

    299 Winter Ridge Blvd Unit 283, Winter Haven, FL 33881

    This charming 3 bedroom 2 bath condo is perfectly positioned between two beautiful chain-of-lakes, offering scenic surroundings and a serene atmosphere. Featuring all-tile flooring throughout, it’s designed for both style and easy maintenance. A covered carport provides protection for your vehicle while its prime location ensures convenient access to shopping centers, medical facilities, parks,

    Andrea Friedmann KELLER WILLIAMS REALTY SMART 1

    299 Winter Ridge Blvd Unit 283, Winter Haven, FL 33881
  • /48

    $449,000

    • 4 Beds
    • 2 Baths
    • 2,369 Sq Ft

    1081 Sandpiper Loop, Winter Haven, FL 33881

    Price reduced!!! Don't let this one get away. Welcome to 1081 Sandpiper Loop, a stunning home in a quiet, exclusive community of fewer than 90 homes. Nestled just off Country Club Road in Winter Haven, this property offers the perfect balance of privacy and convenience—close to downtown, yet featuring spacious 1⁄4-acre lots so you’ll never feel crowded.Step inside to beautiful vinyl flooring

    Chris Loschiavo RE/MAX HERITAGE PROFESSIONALS

    1081 Sandpiper Loop, Winter Haven, FL 33881
  • /42

    $499,000

    • 3 Beds
    • 3.5 Baths
    • 3,062 Sq Ft

    103 Odin Dr, Winter Haven, FL 33884

    Gorgeous oversized town home with two car garage. All inquiries please go through listing agent. House is not vacant.

    Roberto Guzman LIFESTYLE INTERNATIONAL REALTY

    103 Odin Dr, Winter Haven, FL 33884
  • /90

    $739,000

    • 3 Beds
    • 3.5 Baths
    • 3,081 Sq Ft

    445 Waterfern Trail Dr, Auburndale, FL 33823

    Welcome to Water Ridge — a private enclave of luxury and sophistication. Prepare to be impressed with this meticulously maintained 3-bedroom, 3.5-bath home that offers luxurious living with an open floor plan and thoughtful design throughout.Inside, you will find a dedicated office—currently used as a fourth bedroom—featuring a stylish sliding barn door for added character and privacy and a

    Denise Spears CENTURY 21 MYERS REALTY

    445 Waterfern Trail Dr, Auburndale, FL 33823
  • /19

    $45,900

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

    167 Winterdale Dr, Lake Alfred, FL 33850

    2-bedroom 2-bathroom home is move-in ready and priced to sell! Bright and sunny kitchen boasts a breakfast bar and closet pantry. Open concept floorplan. Home is sold furnished. Appliances stay including the washer and dryer. En-suite bathroom has-walk in shower. Enclosed lanai on the front (not included in the square footage), Shed and 2-car carport. Well-kept and ready for new owners. Near

    Leslie Yokshas Flamingo Mobile Home Sales

    167 Winterdale Dr, Lake Alfred, FL 33850
  • /54

    $215,000

    • 2 Beds
    • 2 Baths
    • 1,250 Sq Ft

    386 San Jose Dr, Winter Haven, FL 33884

    A Patio Home in Orchid Spring a well-maintained Community. Located in Winter Haven within 3 miles of Lego Land. It’s a 2 Bedroom 2 bath home with a living room, back porch screened in perfect for Barbeques or entertaining. A living room a dinette adjacent to the kitchen that has a pantry the closet in the dinette is located behind the front door. The laundry room is in the 2-car garage. Also,

    Lamont Nixon CHARLES RUTENBERG REALTY ORLANDO

    386 San Jose Dr, Winter Haven, FL 33884
  • /36

    $299,900

    • 4 Beds
    • 2.5 Baths
    • 1,933 Sq Ft

    228 Kilmer Ln, Winter Haven, FL 33884

    This 4 bed, 2.5 bath SE Winter Haven home has been carefully maintained and updated. Bring your belongings and move right in! A new roof, new exterior and interior paint, new carpet, new water heater, and new landscaping are among the upgrades that will provide peace of mind for years to come. Large dual living spaces offer ample room for entertaining and the back yard is ready for your grill and

    Misty McCracken FATHOM REALTY FL LLC

    228 Kilmer Ln, Winter Haven, FL 33884
  • /84

    $545,000

    • 4 Beds
    • 4 Baths
    • 3,221 Sq Ft

    800 W Lake Elbert Dr NE, Winter Haven, FL 33881

    Historic Elegance with Modern Luxury – Built by Cypress Gardens’ Founder Dick Pope! Step into a piece of Winter Haven history with this stunning 4-bedroom, 4-bathroom home, originally built in 1935 by Dick Pope, founder of the famed Cypress Gardens. Overflowing with timeless character and meticulously blended with modern updates, this residence offers a rare opportunity to own a truly iconic

    Team Papin FLORIDA LUXURY REALTY INC

    800 W Lake Elbert Dr NE, Winter Haven, FL 33881
  • /20

    $207,000

    • 2 Beds
    • 2 Baths
    • 1,130 Sq Ft

    300 Avenue E SE, Winter Haven, FL 33880

    One or more photo(s) has been virtually staged. 100-Day Home Warranty coverage available at closing.Come see this charming home now on the market! This home has New HVAC, Fresh Interior Paint, Fresh Exterior Paint, Partial flooring replacement in some areas. Discover a bright interior tied together with a neutral color palette. The primary bathroom features plenty of under sink storage waiting

    Karen Albright OPENDOOR BROKERAGE LLC

    300 Avenue E SE, Winter Haven, FL 33880
  • /34

    $16,500

    • 2 Beds
    • 2 Baths
    • 784 Sq Ft

    94 Lake Smart Dr, Winter Haven, FL 33881

    HANDY-MAN SPECIAL!! LAKE FRONT PROPERTY WITH TONS OF POTENTIAL! READY TO SELL. This home is a boater and fisherman's oasis, with the community dock just steps from your backyard. Inside, featuring an open kitchen and living area. Central AC unit, roof, and hot water heater are all approximately 8 years old. The main bathroom has been remodeled with an updated walk-in shower, toilet, and flooring.

    Whitney Campbell-Conkey Pelican's Nest Mobile Home Sales, LLC.

    94 Lake Smart Dr, Winter Haven, FL 33881
  • /47

    $142,500

    1004 La Costa Ln Unit 32, Winter Haven, FL 33881

    Furnished! Updated 2Bed/2Bath well-maintained Home with a Fabulous Golf Course View! Priced to Sell! This home has knock-down ceilings (2024), removing all vents and registers, replacing all heat & AC ducting with under-floor ducts & registers, new tile flooring in living room, dining area, kitchen, hallway, laundry room, and bathroom (2024). This immaculate home features two bedrooms and two

    Deb Bartholomew Sunset Home Sales

    1004 La Costa Ln Unit 32, Winter Haven, FL 33881
  • /6

    $129,000

    • 4 Beds
    • 2 Baths
    • 1,198 Sq Ft

    380 S Echo Dr, Lake Alfred, FL 33850

    excellent property for investment CASH ONLY

    Rick Morales POPULAR REAL ESTATE

    380 S Echo Dr, Lake Alfred, FL 33850
  • /73

    $399,000

    • 3 Beds
    • 2 Baths
    • 1,752 Sq Ft

    1919 19th St NW, Winter Haven, FL 33881

    No HOA. Renovated. Desired neighborhood. Help with closing. $10,000. Boat ramp in neighborhood. This newly renovated beauty is in a much-desired neighborhood. New Roof, new windows, new doors, new hot water heater, new insulation, and new air conditioner 2024. The kitchen has gold handles, refrigerator/ coffee maker combo, and a farmhouse sink. Wood floors are refinished 2025. Kitchen and

    Kimberly Saddler LA ROSA REALTY PRESTIGE

    1919 19th St NW, Winter Haven, FL 33881
  • /37

    $325,000

    • 3 Beds
    • 2 Baths
    • 2,030 Sq Ft

    961 Oleander Dr SE, Winter Haven, FL 33880

    The property you are inquiring about is located in Winter Haven, FL, in the In-town SE area of Polk County. This is a super convenient location. This is a fabulous pool home with a brand new roof (shingle & flat), newer AC, and should pass appraisal and 4PT with no issues. This is a 3-bed and 2-bath home with loads of room to gather in and out alike. And also a circular driveway. Well-kept

    Renee Butler BROKERS REALTY OF CENTRAL FLOR

    961 Oleander Dr SE, Winter Haven, FL 33880
  • /50

    $550,000

    • 3 Beds
    • 3 Baths
    • 1,828 Sq Ft

    900 Lake Jessie Dr, Winter Haven, FL 33881

    Live the ultimate lakefront lifestyle on Lake Jessie. This beautifully maintained single-story home on a 189 acre lake on the South end of Winter Haven's famed Chain of Lakes offers a rare combination of privacy, recreation, and breathtaking views — all just minutes from downtown and a quick trip to Central Florida’s top attractions.Key Features:•. metal roof 2019• Updated interior with

    Suzanna Rudd KELLER WILLIAMS REALTY SMART 1

    900 Lake Jessie Dr, Winter Haven, FL 33881
  • /61

    $49,990

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

    130 Winterdale Dr, Lake Alfred, FL 33850

    Welcome to 130 Winterdale Dr, a three-bedroom, two-bathroom residence nestled within the exclusive Kings Pointe gated retirement community in Lake Alfred, Florida. Recently refreshed with updated flooring and a new coat of paint, this home provides modern comfort with practical features, including a roof approximately five years old and an HVAC system installed around four years ago. The

    Chrissy Walter Sunset Home Sales

    130 Winterdale Dr, Lake Alfred, FL 33850
  • /63

    $114,900

    • 3 Beds
    • 2 Baths
    • 1,512 Sq Ft

    1019 La Costa Ln, Winter Haven, FL 33881

    Discover a residence nestled within Winter Haven's prestigious Four Lakes Golf Club community. This impeccably designed three-bedroom, two-bathroom haven at 1019 La Costa Lane offers a thoughtful floor plan featuring a secluded primary suite, ensuring privacy from the additional bedrooms. The property boasts an expansive driveway with the coveted addition of a dedicated golf cart garage - a

    Chrissy Walter Sunset Home Sales

    1019 La Costa Ln, Winter Haven, FL 33881
  • /29

    $45,000

    • 2 Beds
    • 2 Baths
    • 1,378 Sq Ft

    57 Hatteras Ave, Winter Haven, FL 33880

    Well maintained, Spacious Home with 2-Bedroom, 2-Baths, within walking distance to Lake Shipp in Sunny Winter Haven, Florida. Homes in this community are on lot leased land. Owning the home, but not the land, you pay a monthly lot rent of $474 which gives you and your guest access to the amenities of the community, basic cable & trash pick-up. Community Perks: This home is located in Shipp

    Bette Johnson Renee's Resales

    57 Hatteras Ave, Winter Haven, FL 33880
  • /38

    $135,000

    • 3 Beds
    • 2 Baths
    • 1,879 Sq Ft

    1098 La Costa Ln Unit 664, Winter Haven, FL 33881

    Charming and Light-Filled - This Beautiful Home Boasts an Effortless Open Floor Plan! 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 rent of $810.48 which gives you and your guest access to the amenities of the community. Welcome to a beautiful warm and

    Kathy Sutak Renee's Resales

    1098 La Costa Ln Unit 664, Winter Haven, FL 33881
  • /8

    $113,900

    • 3 Beds
    • 2 Baths
    • 822 Sq Ft

    124 Cotton Ct, Auburndale, FL 33823

    Welcom home! This mobile home has 3 beds, 2 baths in a quiet location near Lake Lena. Main home offers 2 beds, 1 bath with new flooring, roof, cabinets & more. Attached bonus unit has 1 bed, 1 bath with separate entrance, both units currently rented. Septic cleaned in 2024. NO HOA. Walk to the lake, minutes to Walmart, Lake Myrtle Sports Park, dining, easy acces to US-92 & I-4. Great income

    Luis Carlos Agudelo PREFERRED REAL ESTATE BROKERS

    124 Cotton Ct, Auburndale, FL 33823
  • /10

    $800,000

    • Land
    • 2.39 Acres
    • $334,728 per Acre

    1080 S Buena Vista Dr, Lake Alfred, FL 33850

    Presenting an exceptional development opportunity in Lake Alfred! Located on 2.39 acres (107,500 sq ft) along 1080 S Buena Vista Dr, this parcel boasts 250 feet of frontage with serene canal access to freshwater Lake Echo. Enjoy mature shade trees and a prime site bordering quality apartments, with easy access to I-4 and Central Florida attractions. Zoned R-2 with sewer and water available, this

    Dee Norris NEXTHOME NORRIS & COMPANY REALTY

    1080 S Buena Vista Dr, Lake Alfred, FL 33850
  • /11

    $199,000

    • 2 Beds
    • 2 Baths
    • 1,194 Sq Ft

    3347 Timberline Rd W, Winter Haven, FL 33880

    Unlock the opportunity to own a 2 Bedrooms, 2 Bathroom home in the heart of Winter Haven at a price that’s hard to beat. Whether you're an investor seeking your next project or a buyer ready to create your dream space, this property is full of promise.With some updates and personal touches, this house can easily be transformed into a charming residence or a rental.

    Michelle Frank ROBERT SLACK LLC

    3347 Timberline Rd W, Winter Haven, FL 33880
  • /20

    $255,000

    • 3 Beds
    • 2 Baths
    • 1,423 Sq Ft

    221 Paine Dr, Winter Haven, FL 33884

    Welcome to this spacious 3-bedroom, 2-bathroom home nestled in a great neighborhood! This inviting property boasts ample living space, perfect for families or those who enjoy entertaining guests. The home features a convenient 2-car garage, offering plenty of storage and parking space. Located in a desirable area, you'll enjoy a sense of community and the proximity to local amenities. This home

    Ruth Valadez Epique Realty, Inc.

    221 Paine Dr, Winter Haven, FL 33884
  • /6

    $15,000

    • 1 Bed
    • 1 Bath

    114 Venus Ave, Winter Haven, FL 33884

    Welcome to your perfect retirement getaway or investment opportunity! This fully renovated 1-bedroom, 1-bathroom home features an additional room that can be rented out for extra income or used as a guest space, office, or hobby area. Located in a quiet, well-maintained community with a lot fee of only $715/month, which includes water - making it both affordable and comfortable.

    Gabriel Dumeng AMAZING MOBILE HOMES LLC

    114 Venus Ave, Winter Haven, FL 33884
  • /30

    $199,000

    • 2 Beds
    • 1 Bath
    • 576 Sq Ft

    652 N Jackson St, Eagle Lake, FL 33839

    Welcome to the perfect move-in-ready home, where modern updates meet classic charm! Nestled on a huge lot (right under 1/3 acre) with a giant fenced-in backyard, this beautifully updated home offers the perfect blend of comfort, convenience, and upgrades.Step onto the charming front porch and into a completely renovated interior featuring brand-new luxury vinyl plank (LVP) flooring

    Katie Patterson COMPASS FLORIDA LLC

    652 N Jackson St, Eagle Lake, FL 33839
  • /47

    $69,900

    • 2 Beds
    • 2 Baths

    22 Alpine Dr, Winter Haven, FL 33881

    Welcome to 22 Alpine Drive, a refreshed two-bedroom, two-bathroom residence nestled in the sought-after Swiss Village community of Winter Haven. This thoughtfully maintained home presents a pristine facade with newly applied exterior paint, complemented by a professionally installed Florida-native lawn designed for both aesthetic appeal and minimal maintenance. Step inside to discover an

    Chrissy Walter Sunset Home Sales

    22 Alpine Dr, Winter Haven, FL 33881

Showing Results 321 - 360, Page 9 of 18

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