Berkshire Hathaway HomeServices Rocky Mountain, REALTORS

WE Live AND BREATHE OCALA HORSE FARMS AND Actual ESTATE. Properties that might be coming to the market soon but are not yet identified on a a number of listing service (MLS). Browsing properties for sale in Silver Springs Shores, FL has by no means been extra handy. Verify your area's median household cost, then locate your estimated payment on a mortgage calculator Examine that to your gross income. Orlando, ranking eighth, and seven other Florida metro locations ranked amongst the prime 10 nationally for foreclosure rates from January through June, according to a report released this week by RealtyTrac. Pine Run, a gated 55+ adult neighborhood characteristics internet site built properties and is minutes from purchasing, churches, restaurants, medical, golfing, and I-75. Wayne Archer, executive director of the Kelley A. Bergstrom Center for Real Estate Studies at the University of Florida, stated it is hard to say why Ocala stands out.

When it comes to your subsequent move, we want you to experience the difference exceptional genuine estate service can make. Our free actual estate solutions function all Ocala and nearby towns. A excellent realtor can advise you what sellers of competing homes are supplying so you can market your home competitively. At a single time, California dominated with the greatest number of foreclosures for any state. Nice creating lot in the front of marion oaks close to the main entrance, hassle-free location with homes close by. has water to the lot already. Filtering with keyword search is also doable, like "waterfront" or " in majestic oaks " properties in 34476. In this case, our method of pricing slightly above industry will fail and the house will not sell.

We are confident that the rent to personal true estate present is excellent for those with terrible or restricted credit and men and women who lack the savings to buy regular actual estate listings in Ocala, FL. A lot of economic institutions do not process payments on weekends or holidays, which can affect when refunds reach taxpayers. Ocala is the highest populated attractive city in Marion County Fl. OWNER FINANCING WITH 25% DOWN 9% INTEREST five YEARS, BALLOON IN three YEARS TO Qualified Purchaser ACCEPTABLE TO THE SELLER. This merely means that at the moment, most of the sales are occurring only in lower priced properties. VA insured loans are a benefit for qualified Veterans of the United States Armed Services allowing them to purchase a Factory Constructed Household for as little as $500 down with no monthly mortgage insurance premiums.

The city gives a wide wide variety of genuine estate choices, like condominiums, townhouses, single-family residences and estate properties. In 1843 troops were withdrawn and Fort King became the short-term seat of newly formed Marion County till engineer David Bruton completed the survey of Ocala in 1846. The IDX information relating to actual estate for sale on this web website comes in portion from the Florida Gulf Coast Numerous Listing Service. Realtors continue to see a steady stream of foreclosures getting into the marketplace, he said. Listing information supplied courtesy of the IDX system of the Realtors® Association of the Palm Beaches. The reason why those three agents show up is that they are Zillow Premier Agents, and the listing agent is not. If you have been property hunting in Ocala or Central Florida at significant, you want to pay a visit to Trilogy to expertise the distinction in dwelling top quality and style right here.

Premier Sotheby's International Realty's sales associates involve you in every detail of the listing method and communicate your options clearly. If you are seeking for homes, you can start by searching in various Ocala subdivisions for houses for sale. As they drive by way of a desirable neighborhood, generally purchasers will see a house they are interested in and phone the listing agent to ask concerns about it. Then the prospective purchaser will ask the listing agent to represent them. HOPS is accountable for so a lot of the preservation of the historic buildings and homes in Ocala and placing distinct buildings on the National Historic Register,” explains Pamela Stafford, past president of HOPS, board member and chairman of the Spring Heritage Tour.

If you want to feel like portion of a friendly community, you can not go wrong by moving into the exclusive gated neighborhood surrounding the Nation Club of Ocala. In Marion County where 10911 SW 47th Ct, Ocala, Florida 34476 is located, the average list price tag is $169,333. The Ocala and Marion County real estate market place is made up of diverse and interesting communities and neighborhoods. Search Jacksonville houses for sale to view existing you do it yourself real estate listings, obtain Jacksonville genuine estate for sale in the MLS, and check Jacksonville property costs , like current residence sales and nearby sales. Service and delivery to most of Florida, call us for information. This system makes it possible for you to pool your income with that of family members who are currently living with you and will continue to do so. They do not will need to be on the loan.

There are 30 residences and apartments for sale in Silver Springs Shores, FL. We'll take a appear at two actual planet examples of agents who effectively used Zillow. Beginning in 2017, a new law needs the IRS to hold refunds on tax returns claiming the Earned Revenue Tax Credit or the More Youngster Tax Credit till mid-February. Basically, this is financing your closing fees due to the fact you will likely pay a little bit more for the house than you would if you were paying your own costs. For instance, top quality web-sites like present potential buys with a list of economical bank foreclosures all through the excellent state of Florida. Keep focused on the purpose from the time you very first plant that For Sale sign on the front lawn to the 1st Open House - no activity ought to develop into a distraction.

The system is presented to all borrowers in Manatee County Florida only who meet income, purchase price and other system recommendations, and can otherwise qualify for a Freddie Mac Advantage Convention, VA, USDA, or FHA mortgage loan. The credit reduces your taxes as opposed to a deduction that reduces your taxable income and is ten % of the cost of creating supplies for things such as insulation, new water heaters, geothermal heat pumps, or a wood pellet stove. The program is created to do in-depth Ocala home search with updated details about the homes for sale in Ocala FL. Properties right here variety from single family members properties, horse properties, foreclosures, private villas, low-cost condos and other luxury houses. Marion County is 1 of the fastest increasing locales in Florida and as a outcome, there are many jobs created for all ages.

Pre-foreclosures also include properties for which a foreclosure auction is scheduled. It spans from Rainbow Lakes Estates by way of Ocala National Forest to Ormond Beach in Volusia County, while a bi-county extension exists, spanning from Yankeetown in Levy County to Dunnellon, south of the western terminus of SR 40. Either way, all of these tiny houses are currently for sale right here in Florida, they're mobile and many of the dealers will deliver and even set them up for you. The down payment assistance comes in the form of a $7,500 - % interest, fixed-price second mortgage Loan for Duval County and Jacksonville City. Use filters to narrow your search by price, square feet, beds, and baths to locate properties that fit your criteria. The very first railroad to attain Silver Springs, the Silver Springs, Ocala and Gulf Railroad, went into operation by the end of 1879 and transported folks and goods from the river landing at the headspring region to the nearby town of Ocala 5 In 1880, former president Ulysses S. Grant visited the location.

Mr. Bryant was the grandfather of Cecil Farris Bryant, who was born in Marion County and graduated from Ocala Higher College and the University of Florida before eventually becoming the 34th governor of Florida. We present the most up-to-date details on foreclosed properties, bank owned properties, and other houses for sale in Florida. Or, if your grown little ones are refusing to leave residence, possibly you can take a cue from the Smaller Home Society president Greg Johnson, who lives in a household developed by Tumbleweed's Jay Shafer, and have some tiny residences on your house to give your kids, and oneself, some private space. At present there are 162 homes for sale, 13 condos and apartments for sale, 27 vacant land parcels for sale and two villas for sale in Ocala.

Generally, they would have qualified in their anticipated cost variety except that the new vehicle payment has raised their debt-to-revenue ratio, lowering their maximum buy value. Genuine Estate listings held by brokerage firms (licensees) other than Weichert Realtors are marked with the IDX logo and detailed info about them contains the name of the listing brokers. Browse Ocala Genuine Estate. Ocala4sale puts your properties in front of thousands of neighborhood residence shoppers on our web site and social media pages. Thinking about Acquiring a Household, study our dwelling buyers guide , or study what real estate agents assist you with. That implies your purpose of getting Ocala properties is simply attainable. Rolling lush pasture land and partially wooded, ready to develop in popular NW Marion County location.

To study additional about my Guaranteed Sale System, call the listing agent straight applying the speak to info on the correct side of this listing. If you interested in obtain a lot more 55 and over communities with properties for sale verify Ocala Houses for Sale go to my homepage to get a lot more benefits. The Ocala Housing Authority has many types of houses for rent and ownership. With a lot of nearby amenities, like golf and swimming pools, Summerfield & Ocala are particularly well known with retirees. A single can even check out the already sold properties to know the exact information about the current actual estate market place. They also come for the reason that of the Ocala National Forest, Silver Springs, the quite a few horse farms, from which have come Kentucky Derby winners, Nature's Theme Park, cities with streets complete of trees that are a hundred years old, golf courses, rivers, and fresh water springs.

If you are truly critical about becoming a initial time property purchaser, you need to be in a position to come across an excellent dwelling inside two weeks of starting your search. New property building will not be operating at a healthful clip and creating up for the lack of existing houses on the market until these numbers are involving 300-350 per month, stated Michael Mazzurco, sales director for Armstrong Houses. Generally sellers do this when a buyer has difficulty qualifying for a standard loan or meeting the purchase price tag. The information reflect appreciation rates for the neighborhood all round, not necessarily every person property in the neighborhood. Florida Association of Realtors® FR: Global Forum Committee & Worldwide Small business Committee due to the fact 2007, member of Industrial Alliance Committee, 2009, YPN Advisory Committee, considering the fact that 2015, YPN District 7 Crucial Speak to, 2016, Mobilization Problems Committee, 2016 MIPIM Presidential Advisory Group (PAG), Resort and Second Home Specialist Committee, 2016, Technologies Committee, since 2009.

Ocala Real Estate

Local Realty Service: Ocala Real Estate Agents
1910 SW 18th Ct,
Ocala, FL 34471
(352) 591-3350

Ocala FL Land For Sale

Central Florida actual estate industry continues to heat up in the wake of a recession. If you are interested in obtaining a residence but consider you required to spot a down payment of $10,000, $20,000 or more, believe once more as this basically may perhaps not be accurate. These resultant neighborhood appreciation prices are a broad measure of the movement of single-household property rates. As Ocala, Florida horse farm owners and equestrians, we Live the Ocala horse farm and luxury home marketplace. You safe the home with your very first and final month's agreed upon rent and obtain price tag just before the Investor purchases the house. 1 of the cities of Florida that is popular to retirees is the city of Ocala. The information relating to actual estate for sale on this web site comes from Ocala Marion County Association of Realtors and the Broker Reciprocity True estate listings held by brokerage firms other than are marked with the BR logo and detailed data about them incorporates the name of the listing brokers.

Showcase Properties of Central Florida, licensed in Florida. If you need to have some time to prepare for ownership but want to move into a new dwelling quickly, you might think about rent-to-own properties in Ocala. Stick built homes or manufactured homes permitted for Government Agency loans (FHA, VA and USDA. Preservation of this precious region is increasing as a lot of of the homes have been renovated and the Historic Ocala Preservation Society (HOPS) takes an active portion in fundraising to additional increase the area. This suggests a first time household buyer may have to wait from six to nine months for the banks' choice about the quick sale. Access to the neighborhood center and pool. In Florida, this has largely been limited to the most exclusive properties, leaving the rest struggling to catch up.

Retirement Community: There are distinctive forms of homes provided for the adult neighborhood who are looking towards spending the evenings of their life in fruitful manner. Household Builder, Adams Properties, delivers new houses for sale in the community of Deer Path subdivision. All customers of REIN's listings database ought to confirm the accuracy of the listing information straight with the listing agent. Alison Roberts, mother of three, married for 26 years, has produced Marion County, Central Florida her home for the past 21 years. USDA loans with approved credit $500 down $948 a month. Filtering with keyword search is also doable, like "waterfront" or " adult neighborhood " homes in 34482. Beach Houses: Beach homes are ideally located close to the beautiful beaches that surround Florida.

Regardless of whether you happen to be looking for a relaxed day on the course or some friendly competition, Royal Oaks consistently delivers to golfers of all ability levels. At the meeting there will be you, the seller, most likely a true estate lawyer, and the actual estate agent. When a real estate agent represents a seller and has to divulge any info a purchaser tells them, the agents will deal relatively with each parties because it is in the seller's greatest interest to get the property sold. Homestead exemption applications ought to be filed with the county Home Appraiser by March 1st of the tax year for which the exemption is sought. Coldwell Banker Residential Real Estate can aid you discover Ocala foreclosures. By posting house with ByOwner your home will get the exact same exposure you'd obtain from a traditional genuine estate firm.

The inviting zero-entry pool at Golden Ocala provides the excellent setting to relax, unwind, and swim a couple of laps below the bright Florida sun. The region about Oak Run Florida has a lot to provide. $625,000 3 BR, 3 complete BA Provided By: Allison Penny Quite Penny Properties Inc. Rates in the community variety from $80,000 - $200,000, from townhouse to free of charge-standing properties. If you are looking for Houses for sale in Ocala, Florida now is the time. You cannot go incorrect with Ocala, FL homes for sale. Marion County proclaimed October as ‘Ocala Pumpkin Run Month' due to the effect the event has had on the neighborhood each and every year. Purchasing or promoting, they are here to act as your nearby real estate specialist. Dwelling Builder, Adams Properties, provides new houses for sale in the neighborhood of Cobblestone North subdivision in Bellview, Sumter County, Florida.

Start a search to see ALL Ocala Industrial listings for sale and lease. Find out extra about Ocala Historic District residences for sale, positioned close to downtown Ocala, Florida. Ocala Custom Residences has extra than 17 years of history in Ocala which has allowed us to make a lot of friends and dreams develop into a reality for more than 1700 happy buyers from Pensacola to Essential West and each and every point in among. The existing ask price of related properties on the industry can be applied as an absolute ceiling. Close to parks, schools and downtown Ocala. The Ocala Historic District is recognized as the largest and a single of the most unique collections of historically vital structures in Florida. The actual payment obligation will be greater if taxes and insurance coverage are incorporated.

© 2001 - 2018 Reliance Network and Berkshire Hathaway HomeServices Florida Network Realty. This is a serious concern for Florida property owners, offered that almost half of all mortgages all through the state are underwater, with the home worth significantly less on the industry than the homeowner owes on the loan. Ocala, FL has quite promising real estate stats, generating it pretty most likely bet for investors. Let ADDvantage's skilled Realtors assist you in you true estate buy in Ocala Palms. Golden Ocala is a aspect of Royal Shell True Estate. Numerous 55 apartments and 55 communities have swimming pools, fitness centers, movie theaters and a lot more. The organic beauty of the area with its wealthy tradition of equine-centered activities tends to make Ocala Florida a spot you just want to get in touch with dwelling.

As an knowledgeable actual estate agent, I can provide you with distinct Ocala neighborhood info , tools to estimate your mortgage payments , and buyer resources and articles that will assist you through the getting approach. Any reference to precise goods, organizations or solutions does not necessarily constitute or imply recommendation or endorsement by the owner of this internet site or Nature Coast Internet Design and style & Advertising, Inc. Guaranteed seller financing is out there with no credit check and no revenue verification. is an revolutionary Miami rent to own household internet site, enabling purchasers and sellers to simply locate properties for rent in Miami, Florida. Ocala genuine estate is extremely hot — inventory is way down. This home purchaser could qualify for a household of about $325,000 at today's mortgage prices and mortgage insurance expenses.

Silver Springs is a group of artesian springs that feed into the Silver River in Marion County, Florida It is the largest artesian spring in the globe and the web page of the oldest industrial tourist attraction in Florida. Get notified when listings match your search. In order to close leads you get from Zillow Premier Agent , you are going to have to keep prime of mind till they are prepared to buy or sell. They will not need to wonder if they are wasting their time if you do not have the capability to qualify for a high adequate mortgage. It boasts the historic Fort King site, the charming Ocala Historic District, Ocala National Forest, Silver Springs Nature Theme Park, the Marion Theater, the Ocala Civic Center and the acclaimed Appleton Museum of Art.

Central Florida has issues to offer to outside lovers also, within the environmental barriers. Even so, if the ten that are for sale this month have an asking price of $400,000 every, it is probably that the market place has shifted since the prior units had the meeting of the minds in between purchasers and sellers. If you don't get the full credit amount, you could qualify for the Added Kid Tax Credit. The Garden, Classic, and Estate series showcase single-family members models that variety from 1,133 to 2,634 square feet of living space. Filtering with keyword search is also probable, like "waterfront" residences in Ocala Waterway. The information relating to true estate for sale on this net site comes in aspect from a cooperative data exchange plan of the Ocala MLS.

Repeat the process to establish the adjusted asking cost of these homes on the industry now. As for the increasing rates: Morrison said they are to be anticipated and reflect the worth of the properties on the market and the demand for them. The Seven Swans was filmed at Silver Springs in 1916, but it was not until 1932 that the place turn out to be well-liked as a filming hot-spot. You could just want to understand much more about Ocala's picturesque historic district or be looking for a bit of interior decorating inspiration additional up-close-and-individual than you obtain on your favorite HGTV shows. You really should not base any crucial financial choices on this sold listings facts, devoid of independently verifying such details, or consulting with a qualified real estate broker for assistance.

Payments do not include things like amounts for taxes and insurance premiums. He constructed the biggest real estate related web web-site in Marion County in 2006. We eradicate the strain, uncertainty and inconvenience of the regular actual estate approach, and, we make you a competitive obtain offer to make positive you get all the worth you can from your most significant investment. Locate here foreclosure listings of foreclosures for sale in Ocala Florida and nationwide. Adams Homes at Magnolia Ridge is a attractive gated community nestled inside minutes to shopping, restaurants, and the awesome Silver River with the largest artesian spring formation in the globe. Following all, Florida genuine estate is one particular among the best true estate markets that have been sustaining a steady development in the current years.

All you want is to inform us with the few simple recommendations about your demands when you are in search for houses for sale in Ocala FL. Our new homes in Ocala and surrounding regions provide homebuyers looking for real estate an array of options including single family residences, townhomes, condos, and villas. In Ocala, Florida, for instance, the city council grew weary of complaints about overgrown yards, uncovered swimming pools turning into green cesspools and vacant properties either becoming broken into or obtaining vandalized. Later in 1993, Florida Leisure Acquisition Corporation (FLAC) sold the land occupied by the Silver Springs and Wild Waters to the State of Florida , but continued to manage the parks below a lengthy-term lease. The data relating to genuine estate for sale on this internet web page comes in portion from the Net Data Exchange Plan of the Flagler County Association of Realtors Numerous Listing Service.

Set up an account to market your sale property, share pictures, and answer queries from interested residence hunters. We would like to sell our investment home and use the $300,000 cash to purchase a single-loved ones rental residence to own no cost-and-clear. You will uncover Ocala HUD properties for sale, Freddie Mac foreclosures, Fannie Mae foreclosures, FHA properties, VA foreclosures and other types of government repo properties in Ocala, FL. Your FOR SALE sign ought to have your telephone number and your property's web address on it. Your on the net MLS listing really should have the price, quantity of bedrooms and baths, quantity of garage spaces, your home's research they conducted physical address, your telephone and e-mail information, and lots of interior and exterior images, plus a map with the home place shown.

Ocala Realtor

Local Realty Service: Ocala Real Estate Agents
1910 SW 18th Ct,
Ocala, FL 34471
(352) 591-3350

5 Essential Elements For ocala real estate market

United states TODAYToys R Us information for liquidation, likely spelling its conclusion in the USUSA TODAYToys R Us shuttered dozens of shops as it tried to handle near $five billion in personal debt that resulted from a l.

find real estate recommendations, shifting guides, house loan charges, dwelling marketing guides or you will get skilled help from a prime real estate agent.

Houses & Land is undoubtedly an all-inclusive real estate Web page providing A large number of luxury home listings and residences for sale in more than 300 markets

and local realty Web-sites like invaluable to Individuals hunting to purchase in the area. You can easily look for online by zip code and come across the most up-to-date households for sale in Ocala, coupled with pertinent details about the realm, including amenities that you may possibly locate in numerous communities, and also regular household pricing for every Neighborhood.

*Info on this site is supplied to your benefit only and isn't intended to serve as a comprehensive analysis. This page will give an approximation based on Laptop products of information out there from public data and isn't intended to be, nor need to or not it's relied on, to be a real estate appraisal.

Condition: Problem is usually a distant 2nd to price. Why a distant 2nd you would possibly check with? Rate more than comes all obstacles to some sale. Affliction can mean anything from minor cosmetics to important repairs.

Listing information courtesy of My Florida Regional MLS. All listing information is considered responsible but not confirmed and should be independently confirmed by own inspection by proper experts. Listings shown on this Site could possibly be matter to prior sale or elimination from sale; availability of any listing really should usually be independently confirmed.

The knowledge remaining delivered is for people personalized, non-business use and blog is probably not utilized for any objective apart from to identify future Qualities consumers may perhaps have an interest in obtaining.

Look through our real estate agent database to uncover and get in touch with one of our Ocala space real estate agents or brokers.

There's a wide range of housing in Ocala designed from 1970 to 1999 so parts of town may have that "Brady Bunch" search of homes common within the '70s and early '80s, Whilst Some houses were being developed up throughout the early '90s in addition.

The information established forth on This website is predicated upon information which we consider responsible, but because it has been equipped by third parties to our franchisees (who consequently supplied it to us), we can not represent that it's precise or total, and it should not be relied upon as such. The offerings are topic to problems, omissions, adjustments, such as value, or withdrawal unexpectedly.

Get in touch with us if you'd like more details on obtaining your dream dwelling or making ready to market your private home.

Looking to Get well revenue you invested on repairs is a method sellers in excess of price tag their households.. An enhancement may be incorporating a pool, or renovating an out dated kitchen area. Again Watch out for above advancements. You under no circumstances want the most significant most expensive home inside your sub division.

Retail or Place of work Place obtainable for lease In this particular historic lender creating situated in the center of downtown Ocala with frontage on East Silver...

Local Realty Service: Ocala Real Estate Agents
1910 SW 18th Ct,
Ocala, FL 34471
(352) 591-3350

A Secret Weapon For ocala realtors weichert

Searching for an Associate? All You should do is research to get a rental residence in the area you happen to be in. As you find a home you need to find out complete the form and also a Weichert Associate will Speak to you Now Dealing with an Associate?

Houses & Land is definitely an all-inclusive real estate Site offering A large number of luxury household listings and residences available for purchase in more than three hundred markets all through the US and CA. Each individual property listing supplies substantial information regarding the house on the market as well as photos, virtual tours and native housing market data. The knowledge accessible on goes considerably outside of the real estate property listing, You can even discover housing suggestions, moving guides, property finance loan costs, residence offering guides or you may get qualified aid from the best housing agent. Our goal is to really make it uncomplicated to search out your subsequent new house. Merely enter a metropolis and point out, zip code or county within our search bar to see the newest houses available inside our wide housing listing databases together with The latest MLS homes available for sale.

Claim your totally free business enterprise listing on and add important information regarding your online business on line. The greater reviews and extra info you present about your organization, the simpler It'll be for purchasers to uncover you on line.

Pond For those who wish graceful elegance, dwelling among the lovely surroundings you need to see this addison mizner impressed villa in the guts of marion county, florida. Go through Much more ...

5 bedroom brick residence. The location is often a knoll overlooking rolling land a tranquil pond. A heat welcoming foyer leads to Attractive front room, official eating place and roomy spouse and children room showcasing […]

This can be a just one-cease real estate property website for all your house purchasing and offering demands in Ocala, FL. We have been Skilled real estate property brokers and agents who may help make your search for any new dwelling an enjoyable encounter from the Ocala space.

Regardless if you are seeking a Instruction Middle or possibly a Enjoyment Farm,or You simply adore living in a lovely environment without having working a horse facility? I can established you up with the correct Assets or Acreage what exactly is personalized to your distinct demands.

This equestrian estate delivers breathtaking sights from every window and is surrounded by other farms within an equestrian community. Custom designed house by using a gated entrance for privacy additionally Positioned on cul-de-sac.

LInda was pretty responsive in answering emails. She used a great deal of time planning assets visits/viewings. We visited near to 20 Qualities prior to finding the right a person. We negotiated many contracts with unreasonable individuals which she managed effectively.

  I will be happy To help you with that.  When you record with me, your own home is in fantastic palms.   I will work diligently to help you locate the ideal house to meet your needs and help you through the acquiring method. Give me a get in touch with to working experience the Weichert difference, but typically to practical experience the Skilled and helpful Linda Kress change.  Feel free to contact me Anytime.   I look forward to Listening to from you.

These property brokers may help you by way of your real estate system in Ocala and offer you nearby insights.

We may have to Get hold of you to definitely validate the review. By distributing this data, you agree that we may Call you for this function. We won't Show your name, e-mail tackle or phone number in connection with your assessment. Real estate Privateness Plan

These Houses are owned by a financial institution or possibly a lender follow us who took ownership by means of foreclosure proceedings. They might soon be listed for sale. These properties are not located over a many listing assistance (MLS).

We'll evaluate this transaction. If adjustments are vital, it may get nearly two months for corrections to appear on Zillow. Thanks for supporting make the internet site much more practical to Every person. To learn more, read through Zillow's Fantastic Neighbor Plan.

1 2 3 4 5 6 7 8 9 10 11 12 13 14 15