Lincoln County ME Oceanfront Homes from $500k to $1M

Search for Oceanfront Homes in Lincoln County from $500,000 to $1,000,000. This is oceanfront or river with ocean influence.

Lincoln County Cities & Towns Include:  Alna, Boothbay Harbor, Boothbay, Bremen, Bristol, Damariscotta, Dresden, Edgecomb, Jefferson, Newcastle, Nobleboro, Somerville, South Bristol, Waldoboro, Westport, Whitefield, Wiscasset

Contact us if you have would like more information about any of the oceanfront homes for sale in Lincoln County below.  You can also create an account to save your favorite real estate listings and receive notifications by email when new ones come onto the market.

106 Seawood Park Road Bristol ME 04554

Bristol, ME106 Seawood Park Road

Price$999,000

Est. Mortgage: $/month

MLS Number 1308528

  • Residential
  • MLS Status Active
  • Bedrooms 3
  • Bathroom 3
  • Rooms 6

Introducing a magical mixture of Location, Inspiration, Detail, and Amenities: Gourmet kitchen/pantry, family room featuring a floor to ceiling stone fireplace. Light and air provided by high end windows and glass doors leading to the oceanfront decks, tee box, hot tub, views of Johns Bay and Bold Ocean and miraculous sunsets. The sensational master suite offers a see-through fireplace, jetted tub, walk-in shower, water closet, champagne deck. Carefully selected, high end, furnishings included. As a rental, this property generates $40,000/season with heavy owner usage.

Listed by L. Dewey Chase Real Estate

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$/month over payments
Federal 30-year interest rate: 3.24% last updated on May 21, 2020
* All Figures are estimates. Check with your bank or proposed mortgage company for actual interest rates.
This product uses the FRED® API but is not endorsed or certified by the Federal Reserve Bank of St. Louis.

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22 Tennis Court Southport ME 04576

Southport, ME22 Tennis Court

Price$999,000

Est. Mortgage: $/month

MLS Number 1444548

  • Residential
  • MLS Status Active
  • Address 22 Tennis Court
  • Bedrooms 4
  • Bathroom 4

Unique seasonal waterfront home sited on a spectacular peninsula lot on Capitol Island (Southport), a historic summer colony. With panoramic ocean views this 4 bedroom, 3.5 bath home encompasses 3 levels, featuring elevator access to all floors, expansive decks on 2 levels, custom kitchen, and hardwood flooring throughout. Own your private paradise and enjoy access to community amenities such as common docks, tennis courts, club house, and playground. Downtown Boothbay Harbor and Boothbay Region activities just a short drive away.

Listed by Tindal & Callahan Real Estate

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$/month over payments
Federal 30-year interest rate: 3.24% last updated on May 21, 2020
* All Figures are estimates. Check with your bank or proposed mortgage company for actual interest rates.
This product uses the FRED® API but is not endorsed or certified by the Federal Reserve Bank of St. Louis.

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15 Apple Hill Lane Boothbay ME 04537

Boothbay, ME15 Apple Hill Lane

Price$995,000

Est. Mortgage: $/month

MLS Number 1423905

  • Residential
  • MLS Status Active
  • Address 15 Apple Hill Lane
  • Bedrooms 4
  • Bathroom 6

This is a custom, waterfront home that has the 'wow' effect from every room! Much thought went into the design, from the stone fireplaces, the full porch on the one side, full screened deck on the other, private baths for every bedroom, and keeping the 'cottage feel'. Call for full brochure.

Listed by Century 21 Advantage

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Federal 30-year interest rate: 3.24% last updated on May 21, 2020
* All Figures are estimates. Check with your bank or proposed mortgage company for actual interest rates.
This product uses the FRED® API but is not endorsed or certified by the Federal Reserve Bank of St. Louis.

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544 West Side Road Boothbay ME 04357

Boothbay, ME544 West Side Road

Price$995,000

Est. Mortgage: $/month

MLS Number 1453339

  • Residential
  • MLS Status Active
  • Address 544 West Side Road
  • Location Rural
  • Bedrooms 4

Spectacular waterfront home with over 250 feet of frontage on the Sheepscot River/Ocean. As you drive through the gated entry into this private setting you'll pass by the carriage house/barn and then arrive at the gorgeous home with attached 2 car garage. As you enter, the floor to ceiling wall of windows and decking on the water side will take your breath away. This home offers high end finishes throughout, cathedral ceilings, post and beam and views from all angles! The first floor offers a spacious living room with stone fireplace, kitchen with granite counters, SS appliances, awesome finishes and a pantry! Outside the kitchen is a stone patio, a water feature with flowing water and a gas grill area. The dining area off the kitchen has a stone fireplace and beyond this is a room for formal dining or a den. Across the first floor is the master suite with a sun room, screened deck and on suite bath with walk in shower, soaking tub and walk in closet. The second level offers a balcony overlooking the living room, 2 bedrooms and 2 bathrooms. The basement offers a family room, work shop area and an in-law suite with kitchen, dining, bedroom, bathroom and of course a deck looking out to the water! The deep water dock has power and water! On your way to the dock you pass by a water feature with flowing water and a stone bench overlooking the dock. The carriage house/barn has space for 2 cars, a carport, power, seasonal water and a septic system. It just needs your finishing touches! There's too much to list. This place has it all!

Listed by Keller Williams Realty

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$/month over payments
Federal 30-year interest rate: 3.24% last updated on May 21, 2020
* All Figures are estimates. Check with your bank or proposed mortgage company for actual interest rates.
This product uses the FRED® API but is not endorsed or certified by the Federal Reserve Bank of St. Louis.

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306 East Side Road Boothbay ME 04571

Boothbay, ME306 East Side Road

Price$975,000

Est. Mortgage: $/month

MLS Number 1418175

  • Residential
  • MLS Status Active
  • Address 306 East Side Road
  • Location Rural
  • Bedrooms 4

Spectacular 2+ acre waterfront setting on Barter's Island for this 4 bedroom contemporary home. With level access to a deep-water dock and 720' of frontage on the Back River this property also offers beautiful perennial and raised bed gardens bordered by walking paths surrounding a blue stone patio. This custom home offers plentiful open living spaces including an updated kitchen open to dining room and living room and first floor master suite. Also includes a den, office, guest apartment, plus a second floor studio and bedroom with bath. 2 attached garages, workshop and large storage areas add to the amenities. Gorgeous panoramic views of the river. Coastal Maine Botanical Gardens and downtown amenities just a short drive away.

Listed by Tindal & Callahan Real Estate

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$/month over payments
Federal 30-year interest rate: 3.24% last updated on May 21, 2020
* All Figures are estimates. Check with your bank or proposed mortgage company for actual interest rates.
This product uses the FRED® API but is not endorsed or certified by the Federal Reserve Bank of St. Louis.

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82 Southside Road Bristol ME 04554

Bristol, ME82 Southside Road

Price$935,000

Est. Mortgage: $/month

MLS Number 1424077

  • Residential
  • MLS Status Active
  • Address 82 Southside Road
  • Bedrooms 3
  • Bathroom 2

This very comfortable waterfront Cape comes with three levels of living space including a first floor Master suite, two fireplaces and a full length waterside deck. A 3,000 sq. ft. fish house sits on the wharf in front and is still a part of the working waterfront in this fishing village. Up and down the coast buildings such as this are finding new life as galleries, studios, restaurants or a variety of other uses.

Listed by Keller Williams Realty

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$/month over payments
Federal 30-year interest rate: 3.24% last updated on May 21, 2020
* All Figures are estimates. Check with your bank or proposed mortgage company for actual interest rates.
This product uses the FRED® API but is not endorsed or certified by the Federal Reserve Bank of St. Louis.

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146 Texas Road South Bristol ME 04568

South Bristol, ME146 Texas Road

Price$925,000

Est. Mortgage: $/month

MLS Number 1368301

  • Residential
  • MLS Status Active
  • Address 146 Texas Road
  • Location Neighborhood
  • Bedrooms 5

3+ bedroom, 2.5 bath estate custom designed and detailed, includes a 2 bed/1 bath apartment above the carriage house, nestled along 265' on Poorhouse Cove in South Bristol. Aluminum dock extends to 105' long, and three moorings to choose from, or use all three. Screened/glass porch, expansive deck, and beautiful, thoughtful design elements that make this exquisite home comfortable and welcoming. Main house has both hot water baseboard heat and radiant flooring in the extension and upstairs. Road association provides year round maintenance and low South Bristol taxes make this gorgeous property a desirable investment. Variety of uses from a spacious family compound, or have the most popular AirB&B in town. Taxes based on a larger parcel.

Listed by RE/MAX JARET & COHN

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$/month over payments
Federal 30-year interest rate: 3.24% last updated on May 21, 2020
* All Figures are estimates. Check with your bank or proposed mortgage company for actual interest rates.
This product uses the FRED® API but is not endorsed or certified by the Federal Reserve Bank of St. Louis.

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37 Thompson Inn Road South Bristol ME 04568

MLS Number 1450432

  • Residential
  • MLS Status Active
  • Address 37 Thompson Inn Road
  • Location Rural
  • Bedrooms 4

Exquisite Contemporary Cape in one of the most beautiful places on earth. Set high overlooking ''The Gut'' with a deep water dock, this property has beautiful expansive views, church windows, fireplace, Guest quarters/apt. over the 2 car garage, deck, a place to call home all year long. See 3D Photos here: https://view.ricohtours.com/cccfaa91-538e-4c11-bdf8-42c832a06155

Listed by Bean Group

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$/month over payments
Federal 30-year interest rate: 3.24% last updated on May 21, 2020
* All Figures are estimates. Check with your bank or proposed mortgage company for actual interest rates.
This product uses the FRED® API but is not endorsed or certified by the Federal Reserve Bank of St. Louis.

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276 Shore Road Bremen ME 04551

Bremen, ME276 Shore Road

Price$850,000

Est. Mortgage: $/month

Pending

MLS Number 1421727

  • Residential
  • MLS Status Pending
  • Address 276 Shore Road
  • Location Rural
  • Bedrooms 4

Unique land with a unique house. 1325' of shorefront forming a point on the southwest shore of Greenland Cove, a deep water anchorage. Off the point is Bar Island (included with the listing). View down Muscongus Sound to the open ocean. 18 acres of land are a mix of woods and meadows (well known for daffodils in spring followed by lupines in summer). Newer post and beam construction (1982 & 1993) is combined with 18th century architectural elements to create a practical house with vintage appeal. Floors are wide pine boards. Skylights ensure light and airy feel throughout. Living room and one upstairs bedroom with fireplaces. The large kitchen, with adjoining pantry, has a cathedral ceiling (with skylights), cabinetry by a craftsman from the Canterbury Shaker community, and is a marvelous room for gatherings. Great protected boating area with lots to explore.

Listed by Legacy Properties Sotheby's International Realty

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$
%
$/month over payments
Federal 30-year interest rate: 3.24% last updated on May 21, 2020
* All Figures are estimates. Check with your bank or proposed mortgage company for actual interest rates.
This product uses the FRED® API but is not endorsed or certified by the Federal Reserve Bank of St. Louis.

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4 Rose Way Bristol ME 04554

Bristol, ME4 Rose Way

Price$844,000

Est. Mortgage: $/month

MLS Number 1427149

  • Residential
  • MLS Status Active
  • Address 4 Rose Way
  • Bedrooms 3
  • Bathroom 4

This wonderful contemporary home offers expansive space and expansive views of John's Bay, South Bristol, Christmas Cove,The Thread of life, John's Island, sailing ships, powered yachts and the most charming working lobster boats. Three ensuite bedrooms, gourmet kitchen, great room, media room, office or studio space, balconies, decks, various nooks and crannies to hide away with a book or nap to sounds of coastal life. The 2 car garage and extraordinary full basement offer ample storage. Privacy abounds on this double lot in a quiet neighborhood of fine homes near our beloved and oft visited and photographed Pemaquid Lighthouse!

Listed by L. Dewey Chase Real Estate

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$
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$/month over payments
Federal 30-year interest rate: 3.24% last updated on May 21, 2020
* All Figures are estimates. Check with your bank or proposed mortgage company for actual interest rates.
This product uses the FRED® API but is not endorsed or certified by the Federal Reserve Bank of St. Louis.

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172 Shore Road Boothbay ME 04544

Boothbay, ME172 Shore Road

Price$825,000

Est. Mortgage: $/month

MLS Number 1438362

  • Residential
  • MLS Status Active
  • Address 172 Shore Road
  • Location Neighborhood
  • Bedrooms 2

Make your dream a reality in this stunning 2 bedroom, 2 bathroom waterfront cottage nestled on the coast of East Boothbay, overlooking the pristine waters of the Atlantic. Set your own pace as you greet the day from your master suite with ample water views. Open and airy kitchen and living area are lined with windows so you can enjoy the fabulous view from every angle. Westward facing deck is the perfect spot to behold mother nature's splendid sunsets with a glass of your favorite wine. This home is the complete package, with two bedrooms, 2 full baths, room for a study, and a full guest house with kitchen for your visitors, or continue to reap the benefits of the cottage's rental history. Located with just the right amount of privacy, yet still close enough of a drive to Boothbay's amenities. This property is one of very few homes that has been built to FEMAs strict standards. Come and see all this home has to offer!

Listed by Keller Williams Realty

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$
%
$/month over payments
Federal 30-year interest rate: 3.24% last updated on May 21, 2020
* All Figures are estimates. Check with your bank or proposed mortgage company for actual interest rates.
This product uses the FRED® API but is not endorsed or certified by the Federal Reserve Bank of St. Louis.

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95 Spruce Drive Southport ME 04576

Southport, ME95 Spruce Drive

Price$819,000

Est. Mortgage: $/month

MLS Number 1440632

  • Residential
  • MLS Status Active
  • Address 95 Spruce Drive
  • Bedrooms 4
  • Bathroom 5

This spectacular contemporary cape is located in the historic Newagen Colony with access to all the resort's amenities; dock, pool, tennis, beach, walking and fine dining. First floor master suite with 4+ bedrooms and 3.5+ baths. Custom kitchen, wood floors, stone fireplace, built-ins and true quality construction. Attached 2 car garage, full house generator, professional landscaping and hardscaping on a beautiful 1.3 acre lot. Hear and smell the ocean, walk in the woods or to the shore- enjoy the quiet escape of Southport Island and get ready to step back in time in this incredible community. The architecturally designed carriage house is amazing overflow space for guests, or a game room or perfect for the executive who enjoys a home office. Excellent location for year round or summer enjoyment.

Listed by Tindal & Callahan Real Estate

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$
%
$/month over payments
Federal 30-year interest rate: 3.24% last updated on May 21, 2020
* All Figures are estimates. Check with your bank or proposed mortgage company for actual interest rates.
This product uses the FRED® API but is not endorsed or certified by the Federal Reserve Bank of St. Louis.

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145 Holmes Road South Bristol ME 04568

South Bristol, ME145 Holmes Road

Price$800,000

Est. Mortgage: $/month

MLS Number 1435870

  • Residential
  • MLS Status Active
  • Address 145 Holmes Road
  • Bedrooms 3
  • Bathroom 2

This property is a classic Maine cottage with deep water frontage on beautiful Damariscotta River. The property has westerly views of sunsets on the river. The original cottage was built in 1910 and had significant renovation and a 1988 addition, which almost doubled the size. Deep water dock/float. In addition to the cottage there is a combination garage/workshop/bunkhouse building which was constructed in 2001. The Gambrel style building has 1,560 square feet above grade. This building has 2 car garage/workshop area on first, two bedrooms, a bath and living/family room area on the second floor. The septic system design was modified in 2001. The new design was to serve a 3 bedroom dwelling and a garage/bunkhouse with bath.

Listed by Newcastle Realty

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$
%
$/month over payments
Federal 30-year interest rate: 3.24% last updated on May 21, 2020
* All Figures are estimates. Check with your bank or proposed mortgage company for actual interest rates.
This product uses the FRED® API but is not endorsed or certified by the Federal Reserve Bank of St. Louis.

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60 strout Rd. Southport ME 04576

Southport, ME60 strout Rd.

Price$750,000

Est. Mortgage: $/month

MLS Number 1406258

  • Residential
  • MLS Status Active
  • Address 60 strout Rd.
  • Bedrooms 5
  • Bathroom 3

Charming former waterfront summer cottage. Completely renovated a few yrs. ago. Private dock, gorgeous views.Four bedrooms in main house, one bedroom with bath in garage/guest house.Open deck across the front. Very Maine feeling.Septic system licensed for 5 bedrooms. Great location!

Listed by Carol D Buxton Real Estate

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$
%
$/month over payments
Federal 30-year interest rate: 3.24% last updated on May 21, 2020
* All Figures are estimates. Check with your bank or proposed mortgage company for actual interest rates.
This product uses the FRED® API but is not endorsed or certified by the Federal Reserve Bank of St. Louis.

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112 Drebelbis Point Road Bristol ME 04539

Bristol, ME112 Drebelbis Point Road

Price$695,000

Est. Mortgage: $/month

MLS Number 1422019

  • Residential
  • MLS Status Active
  • Bedrooms 2
  • Bathroom 1
  • Rooms 3

The waterfront lot you've been waiting for! 500' of Pemaquid River frontage with a deepwater dock and float. Access to open ocean is just a short boat ride or kayak adventure away. 7.6 acres of wide open field offering many choices for your new home. Barn on property was built in 2000. Spacious storage for boats or cars downstairs with a 2 br. apt. above. Decorated with Maine in mind, this cozy space has a cathedral ceiling and open kitchen-dining-living. Sun-filled deck overlooks the truly accessible shorefront. Well and septic already in place. Located just a few minutes from New Harbor village and only a 15 minute drive to Damariscotta. A truly remarkable piece of Maine!

Listed by Newcastle Realty

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$
%
$/month over payments
Federal 30-year interest rate: 3.24% last updated on May 21, 2020
* All Figures are estimates. Check with your bank or proposed mortgage company for actual interest rates.
This product uses the FRED® API but is not endorsed or certified by the Federal Reserve Bank of St. Louis.

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79 Linekin Road Boothbay Harbor ME 04538

Boothbay Harbor, ME79 Linekin Road

Price$695,000

Est. Mortgage: $/month

MLS Number 1452354

  • Residential
  • MLS Status Active
  • Address 79 Linekin Road
  • Bedrooms 1
  • Bathroom 1

One of the few remaining building lots on desirable Spruce Point. A gently sloping lot leading to excellent deepwater frontage with a rare sandy beach. Live in the fully appointed apartment above the oversized two-car garage while you build your dream home on this acre plus lot offering panoramic views of Linekin Bay and outer Boothbay Harbor.

Listed by Tindal & Callahan Real Estate

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$
%
$/month over payments
Federal 30-year interest rate: 3.24% last updated on May 21, 2020
* All Figures are estimates. Check with your bank or proposed mortgage company for actual interest rates.
This product uses the FRED® API but is not endorsed or certified by the Federal Reserve Bank of St. Louis.

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8 Legend Hill Road Bristol ME 04554

Bristol, ME8 Legend Hill Road

Price$695,000

Est. Mortgage: $/month

MLS Number 1449912

  • Residential
  • MLS Status Active
  • Address 8 Legend Hill Road
  • Bedrooms 3
  • Bathroom 3

Located on a quiet lane at the tip of Pemaquid Peninsula, this oceanfront home offers breathtaking sunsets over John's Bay, an expansive oceanfront deck and a spacious solarium. The open floor plan features one floor living, master bedroom with bath and two walk in closets. Other amenities include a jacuzzi, central vacuum system, cedar closets, and security system. The walkout basement features a massive finished family room with wood stove and abundant entertainment space. Short distance to lighthouse, shops and restaurants.

Listed by Newcastle Realty

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$
%
$/month over payments
Federal 30-year interest rate: 3.24% last updated on May 21, 2020
* All Figures are estimates. Check with your bank or proposed mortgage company for actual interest rates.
This product uses the FRED® API but is not endorsed or certified by the Federal Reserve Bank of St. Louis.

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308 Back Shore Road Bristol ME 04564

Bristol, ME308 Back Shore Road

Price$680,000

Est. Mortgage: $/month

MLS Number 1434868

  • Residential
  • MLS Status Active
  • Address 308 Back Shore Road
  • Location Near Town
  • Bedrooms 3

Paradise found in Round Pond! Relax and recharge on your sunrise deck overlooking Muscongus Sound where nature will provide the entertainment. The dynamic qualities of wildlife, fishing boats and granite outcroppings are what make the Sound so breathtaking all day, every day. There are 420 feet of pristine shore front where the sights and sounds of the ever changing ocean are of unparalleled beauty. Six plus wooded acres seclude and protect this seven room contemporary year round cottage. It has a spacious open concept kitchen /dining/living room with wood-burning fireplace stove, and a first floor bedroom and bath with laundry. The loft offers a small office space, a bedroom and bath while the lower level has two finished rooms and a bathroom. Round Pond village has a working harbor, restaurant, shops and a country grocery store. A short drive takes you to the town of Damariscotta with its abundant resources.

Listed by Legacy Properties Sotheby's International Realty

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$
%
$/month over payments
Federal 30-year interest rate: 3.24% last updated on May 21, 2020
* All Figures are estimates. Check with your bank or proposed mortgage company for actual interest rates.
This product uses the FRED® API but is not endorsed or certified by the Federal Reserve Bank of St. Louis.

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29 Spruce Point Heights Boothbay Harbor ME 04538

MLS Number 1446535

  • Residential
  • MLS Status Active
  • Bedrooms 3
  • Bathroom 4
  • Rooms 9

A Spruce Point spectacular residence overlooking Linekin Bay offers a perfect combination of traditional style and modern convenience. The first floor consists of living room with floor to ceiling windows with stunning views, gourmet kitchen, formal dining room, and master suite. The second floor has a family room open to living below and office alcove, guest room and bath, and another master suite with balcony overlooking the bay. The attached two car garage and expansive basement round out the extraordinary home. Additional lot available.

Listed by Tindal & Callahan Real Estate

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$
%
$/month over payments
Federal 30-year interest rate: 3.24% last updated on May 21, 2020
* All Figures are estimates. Check with your bank or proposed mortgage company for actual interest rates.
This product uses the FRED® API but is not endorsed or certified by the Federal Reserve Bank of St. Louis.

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26 Pond Head Road Southport ME 04576

Southport, ME26 Pond Head Road

Price$600,000

Est. Mortgage: $/month

MLS Number 1426871

  • Residential
  • MLS Status Active
  • Address 26 Pond Head Road
  • Location Near Town
  • Bedrooms 3

The quintessential summer cottage on the rock bound coast of Maine! The surf will lull you to sleep at night and when others are complaining about the heat, you will be enjoying the breeze coming in off the open ocean. Watch the sailboats enter the harbor from your Ipe wood deck. You will be making memories here! A one acre abutting lot is available which would make a nice addition to this property. MLS # 1431724

Listed by William Raveis Real Estate

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$
%
$/month over payments
Federal 30-year interest rate: 3.24% last updated on May 21, 2020
* All Figures are estimates. Check with your bank or proposed mortgage company for actual interest rates.
This product uses the FRED® API but is not endorsed or certified by the Federal Reserve Bank of St. Louis.

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75 Main Street Newcastle ME 04553

Newcastle, ME75 Main Street

Price$525,000

Est. Mortgage: $/month

MLS Number 1434293

  • Condominium
  • MLS Status Active
  • Address 75 Main Street
  • Bathroom 2
  • Bedrooms 2

Enjoy all the benefits of waterfront living with this 2 br., 2 bath, water view condo located just a stone's throw from all the activities in downtown Damariscotta. Small, private marina will allow the owner to dock a boat on premises. Interior recently redecorated to include granite kitchen counters, custom cabinetry, walnut breakfast bar and tiled kitchen floor. New heat pumps offer air conditioning throughout. Custom blinds added on all windows. These all-propane units are energy efficient. Each unit has one outside parking spot and one in the heated garage under. Exercise room, state-of-the-art security and fire, well-maintained. Condo fee includes water/sewer, trash removal, grounds and marina maintenance, exterior insurance. First floor living close to restaurants, shopping and theater- perfect!

Listed by Newcastle Realty

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$
%
$/month over payments
Federal 30-year interest rate: 3.24% last updated on May 21, 2020
* All Figures are estimates. Check with your bank or proposed mortgage company for actual interest rates.
This product uses the FRED® API but is not endorsed or certified by the Federal Reserve Bank of St. Louis.

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Listing data is derived in whole or in part from the Maine IDX & is for consumers' personal, non commercial use only. Dimensions are approximate and not guaranteed. All data should be independently verified. ©2020 Maine Real Estate Information System, Inc. All Rights Reserved. equal opportunity housing logo   Privacy Policy

The New England Real Estate Company participates in MREIS' Maine Internet Data Exchange (Maine IDX) program, allowing us to display other Maine IDX Participants' listings. This website does not display complete listings. Certain listings of other real estate brokerage firms have been excluded. Mortgage figures are estimates. Check with your bank or proposed mortgage company for actual interest rates. This product uses the FRED® API but is not endorsed or certified by the Federal Reserve Bank of St. Louis.