Rockland ME Homes Under $500K

View a list of current Rockland ME homes under $500K below and contact Megunticook Real Estate if you would like to schedule a tour or learn more.  Register with our website to stay up to date on all of your favorite Rockland Maine real estate listings and searches.  

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90 Dodge Mountain Road Rockland ME 04841

Price$455,000

Est. Mortgage: $/month

Pending

MLS Number 1409543

  • Residential
  • Location Subdivision
  • Bedrooms 3
  • Bathroom 3
  • Rooms 7

Own one of Midcoast Maine's most sensational sunset mountain view homes perched on 7+ private acres located only minutes from vibrant downtown Rockland. The tastefully crafted three-season western facing porch surrounds you in nature, privacy and natural light. This 2003 custom built clean, crisp colonial is meticulously maintained, inside and out, with a newly renovated kitchen. The master suite offers a new spa-quality bathroom featuring bright subway tile, marble-styled quartz counters and walk-in closet. Be inspired by the splendid valley vistas as you work from the cozy home office. The word 'daylight' is an understatement for the finished basement which is a perfect space for entertaining, as a fitness/yoga sanctuary or art studio/crafting space. Dodges Mountain is a private, very well organized and friendly association. Pre-listing water quality test results and a professional septic inspection available.

Listed by Camden Coast Real Estate

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$/month over payments
Federal 30-year interest rate: 3.55% last updated on Aug 22, 2019
* 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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2 Littlefield Street Rockland ME 04841

Price$254,900

Est. Mortgage: $/month

MLS Number 1428060

  • Residential
  • Address 2 Littlefield Street
  • Bedrooms 3
  • Bathroom 2
  • Rooms 6

This beautiful 3 bedroom two bath Cape offers lots of space. Above the garage is finished and currently used as a game room but could be used as a 4th bedroom. Full basement, rear deck and landscaped. Home is just minutes to downtown and the ocean.

Listed by Better Homes & Gardens Real Estate/The Masiello Group

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$
%
$/month over payments
Federal 30-year interest rate: 3.55% last updated on Aug 22, 2019
* 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 Rankin Street Rockland ME 04841

Price$219,900

Est. Mortgage: $/month

MLS Number 1430446

  • Residential
  • Address 146 Rankin Street
  • Bedrooms 3
  • Bathroom 2
  • Rooms 7

Excellent two story home in desirable neighborhood. This property has been well cared for by present owners since 1972. Large living room with hardwood floors and wood pellet stove. Kitchen includes all appliances and wood stove. Dining area off kitchen. Formal dining room (with separate entrance door) was previously hair salon for many years. Full bathroom on first and full bathroom on second floor. Laundry area on second floor includes washer, dryer and laundry sink. Master bedroom includes large walk-in closet. Stairs from second floor to full walk-up attic. Nice front porch. One car attached garage includes large workshop area to rear. Recent two car detached garage as well. Storage shed. Pretty yard with perennial gardens and flowering shrubs. Must see to appreciate!

Listed by Gregory W. Peet Real Estate

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$/month over payments
Federal 30-year interest rate: 3.55% last updated on Aug 22, 2019
* 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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220 Broadway Rockland ME 04841

Price$239,000

Est. Mortgage: $/month

MLS Number 1402478

  • Residential
  • Address 220 Broadway
  • Bedrooms 3
  • Bathroom 2
  • Rooms 6

One of reasons Rockland is experiencing its well-deserved Renaissance is this delightful city's 'walkability'.Neighborhoods in Rockland Proper enjoy the ability to access everything without a car; dining, shopping, museums, cultural events, the waterfront and all the yearly festivals that make this seaside city unique & attractive. 220 Broadway is located just minutes from Rockland's Main Street and backs up to one of the oldest neighborhoods in the City. A secluded wooded back yard and lovely screened-in porch coupled with a thoughtful layout makes this property a true respite with privacy in the middle of it all. Attached garage with a bonus room above (think studio or in-home office), large cedar closet, first floor master with full bathroom and period details like built-ins, living room fireplace and beautiful hardwood floors. Recently energy-audited and updated with additional insulation in attic and eaves and well-crafted window inserts. Full basement offers heated storage

Listed by Better Homes & Gardens Real Estate/The Masiello Group

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$
%
$/month over payments
Federal 30-year interest rate: 3.55% last updated on Aug 22, 2019
* 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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240 Cedar Street Rockland ME 04841

Price$209,000

Est. Mortgage: $/month

MLS Number 1419906

  • Residential
  • Address 240 Cedar Street
  • Bedrooms 5
  • Bathroom 2
  • Rooms 9

Property consists of an older Cape (1959) and a newer addition that offers flexibility. Can be used as a single family with an in-law apt. or as a duplex. Nice lot not far from in-town amenities. New FHW furnace. Part of a larger parcel that can be purchased with 2.72 acres for a price of $269,000.

Listed by RE/MAX JARET & COHN

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$
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$/month over payments
Federal 30-year interest rate: 3.55% last updated on Aug 22, 2019
* 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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377 Broadway Rockland ME 04841

Price$99,500

Est. Mortgage: $/month

MLS Number 1414143

  • Residential
  • Address 377 Broadway
  • Location Intown, Neighborhood
  • Bedrooms 5
  • Bathroom 2

When convenience and size matter most consider this in-town two story Farm style home Circa 1880. First-time offering since 1954. Generous proportioned rooms, laundry addition, side windowed porch, large kitchen and opportunity for 1st floor bedroom. Full bath and 5 BR potential on 2nd floor. Many original features needing new owners idea - new hot water heat system, some wood floors . Close to schools, downtown shops, museums and waterfront with easy commute to employment centers.

Listed by ERA Cousens Realty

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$
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$/month over payments
Federal 30-year interest rate: 3.55% last updated on Aug 22, 2019
* 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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100 Waldo Avenue Rockland ME 04841

Price$259,628

Est. Mortgage: $/month

MLS Number 1420419

  • Residential
  • Address 100 Waldo Avenue
  • Bedrooms 3
  • Bathroom 2
  • Rooms 6

Adorable one-floor living in this classic custom built ranch with views of Rockland Harbor. Solid Oak flooring throughout with bricked fireplace in living room and hand crafted pine cabinetry in kitchen. Three bedrooms, full tiled bath, lower level great room with hobby center and utility corners. Hot water heat, cast iron baseboards, vinyl siding and new roof translate to easy maintenance. Large private rear yard for gardens and entertainment. Spiffy garage with direct entry to living area and lower level. Walkable neighborhood to Breakwater, fishing, golfing and renowned resort dining.

Listed by ERA Cousens Realty

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$
%
$/month over payments
Federal 30-year interest rate: 3.55% last updated on Aug 22, 2019
* 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 Summer Street Rockland ME 04841

Price$449,000

Est. Mortgage: $/month

MLS Number 1430447

  • MultiFamily
  • Address 15 Summer Street
  • Acreage 0.09
  • Square Feet 4663
  • Year Built 1840

Seven unit multi-family property in very good condition with excellent rental history. Located in Rockland's Downtown District, it is just steps away from Main Street and in an area of well-maintained homes and businesses. Property had Rockland's Multi-family inspection in 2016 and received the Certificate of Occupancy in 2018. Beautiful new egress stairwell in 2018 as well as new sprinkler system. Several new windows, fresh paint, some flooring updates. Property has vinyl siding in excellent condition. Great investment in Rockland~

Listed by St. George Realty

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$
%
$/month over payments
Federal 30-year interest rate: 3.55% last updated on Aug 22, 2019
* 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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127 Summer Street Rockland ME 04841

Price$255,000

Est. Mortgage: $/month

MLS Number 1430275

  • Residential
  • Address 127 Summer Street
  • Bedrooms 3
  • Bathroom 2
  • Rooms 8

Charming & meticulously maintained 1932 Bungalow with first floor bedroom & music room addition in 1971. Exceptional location within walking distance to public library. Two, first-floor bedroom options with adjacent, spacious half-bath with room for shower. Large living room w/ wood stove & built-ins. Formal dining room, kitchen, & delightful pantry. Many hardwood floors protected by carpet. Unfinished basement w/garage. Lots of storage throughout this efficient home.

Listed by St. George Realty

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$
%
$/month over payments
Federal 30-year interest rate: 3.55% last updated on Aug 22, 2019
* 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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299 Talbot Avenue Rockland ME 04841

Price$175,000

Est. Mortgage: $/month

MLS Number 1430381

  • Residential
  • Address 299 Talbot Avenue
  • Location Rural
  • Bedrooms 3
  • Bathroom 1

Handcrafted Charm ~ Built in the early 1900's, this tastefully renovated 3-bedroom, 1-bath shingled style center chimney cape offers comfortable living in a convenient setting. A country feel, yet just minutes to downtown and city amenities.Playful, sunny deck on the backside is sure to delight. One can't help but dream of summer gatherings and cooking up tasty meals on the grill. The interior has a pleasant country feel, with neutral colors throughout, just waiting for someone special. Much of the original period character remains, yet with custom touches you'll love. Delightful living room with cathedral ceiling is sure to be a favorite spot to relax. Conveying with just under an acre of land, a wonderful spot to call home. Call today!

Listed by Cates Real Estate

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$
%
$/month over payments
Federal 30-year interest rate: 3.55% last updated on Aug 22, 2019
* 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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11 Frederick Street Rockland ME 04841

Price$79,000

Est. Mortgage: $/month

MLS Number 1428632

  • Residential
  • Address 11 Frederick Street
  • Bedrooms 2
  • Bathroom 1
  • Rooms 5

Unique in town opportunity, with this established, affordable home on Frederick Street. Super close to everything in town, yet on a quiet side street. This property has tremendous potential for someone looking to start out with something reasonable, or you could use this as a great in town lot for your own home plans. Public water and sewer, trees, shrubs, grass, and a wicked cool oversized shed that has been used as a home in the past. Come see why this is probably the answer to your your home owning dreams, and make home ownership your next thing.Many recent updates have helped make this a very charming and comfortable home. Come see it for yourself!

Listed by RE/MAX JARET & COHN

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$
%
$/month over payments
Federal 30-year interest rate: 3.55% last updated on Aug 22, 2019
* 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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24 Katahdin Avenue Rockland ME 04841

Price$169,000

Est. Mortgage: $/month

MLS Number 1430358

  • Residential
  • Address 24 Katahdin Avenue
  • Bedrooms 3
  • Bathroom 1
  • Rooms 7

Nice 3 bedroom 1 bath cape with partially finished basement and bonus room on 2nd floor. Large back yard with plenty of sun for gardening and large garden/storage shed. New roof in 2018

Listed by Better Homes & Gardens Real Estate/The Masiello Group

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$
%
$/month over payments
Federal 30-year interest rate: 3.55% last updated on Aug 22, 2019
* 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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240 Cedar Street Rockland ME 04841

Price$269,000

Est. Mortgage: $/month

MLS Number 1421787

  • Residential
  • Address 240 Cedar Street
  • Bedrooms 5
  • Bathroom 2
  • Rooms 9

Property consists of an older Cape (1959) and a newer addition that offers flexibility. Can be used as a single family with an in-law apt. or as a duplex. 2.72 acre lot not far from in-town amenities. New FHW furnace and main house has new shingles. Many possibilities.

Listed by RE/MAX JARET & COHN

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$
%
$/month over payments
Federal 30-year interest rate: 3.55% last updated on Aug 22, 2019
* 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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20 Woodland Road Rockland ME 04841

Price$270,000

Est. Mortgage: $/month

MLS Number 1429619

  • Residential
  • Address 20 Woodland Road
  • Bedrooms 4
  • Bathroom 2
  • Rooms 7

At the Top of the Hill ~ Bird Watcher's Paradise. Get out the binoculars when you come home to this ranch set on a private .49 acre hilltop lot in one of Rockland's most desirable neighborhoods. Enjoy the outdoor patio and many gardens in your secluded backyard. Great location, as it is an easy stroll down to the library, Main Street and restaurants. Hang up the keys for the summer and enjoy traveling by foot or bike. Very well maintained inside and out. A pleasant home, just needs your personal touches to make it yours. Call today!

Listed by Cates Real Estate

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$
%
$/month over payments
Federal 30-year interest rate: 3.55% last updated on Aug 22, 2019
* 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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86 Cedar Street Rockland ME 04841

Price$159,000

Est. Mortgage: $/month

MLS Number 1428145

  • Residential
  • Address 86 Cedar Street
  • Bedrooms 3
  • Bathroom 2
  • Rooms 6

Classic Maine farmhouse in Rockland village, close to all of town's amenities. Enjoy three bedrooms and two bathrooms, spacious kitchen, beautifully updated bathroom, and private backyard. A great opportunity to have your own affordable home just a short walk to the ocean.

Listed by Better Homes & Gardens Real Estate/The Masiello Group

$
$
%
$/month over payments
Federal 30-year interest rate: 3.55% last updated on Aug 22, 2019
* 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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227 Bog Road Rockland ME 04841

Price$59,900

Est. Mortgage: $/month

MLS Number 1422099

  • Land
  • Address 227 Bog Road
  • Acreage 12.88

Build your dream home on this incredible private lot. The grounds have a good mix of mature hard and soft woods. A flowing seasonal stream runs through the property. Nature is all around you and there is room to breath with 12.88 acres. Enjoy quiet country living with the convenience of the amenities of Rockland.

Listed by Better Homes & Gardens Real Estate/The Masiello Group

$
$
%
$/month over payments
Federal 30-year interest rate: 3.55% last updated on Aug 22, 2019
* 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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150 Union Street Rockland ME 04841

Price$179,000

Est. Mortgage: $/month

MLS Number 1429940

  • MultiFamily
  • Style Duplex
  • Elementary School District RSU 13
  • Address 150 Union Street
  • Acreage 0.21

INTOWN DUPLEXTwo-bedroom one-bath units. Located on a corner lot on Union Street and Willow, with high visibility for a commercial adventure in a TB-1 zone or keep as a duplex in this ideal intown locale, walking distance to city library, ferry terminal and Main St amenities. Recent improvement include: new windows, kitchens and baths in each unit.Ample parking onsite with a storage building tucked in the corner of the lot, perfect for bicycles, or equipment.Great locale, call today!

Listed by Cates Real Estate

$
$
%
$/month over payments
Federal 30-year interest rate: 3.55% last updated on Aug 22, 2019
* 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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738 Main Street Rockland ME 04841

MLS Number 1430153

  • Commercial
  • Address 738 Main Street
  • Acreage 0.07
  • Year Built 1860

Opportunity for someone looking to buy a thriving business and live in a very spacious two bedroom residence on the second floor overlooking Rockland Harbor. With a history of being in business for over forty years, Sargents Lock and Safe has continuously enjoyed a long history of customer loyalty, repeat business, great reputation and employees who have been there for many, many years.. This is a good opportunity for a buyer to come in and take over a thriving business. Price includes the business name, and most of the equipment plus one vehicle. Inventory will be at Sellers cost.Financial figures are available for qualified Buyers

Listed by The Masiello Group Commercial Associates, Inc.

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$
%
$/month over payments
Federal 30-year interest rate: 3.55% last updated on Aug 22, 2019
* 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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41 Fulton Street Rockland ME 04841

Price$349,000

Est. Mortgage: $/month

Pending

MLS Number 1421304

  • Residential
  • Address 41 Fulton Street
  • Bedrooms 3
  • Bathroom 2
  • Rooms 8

Tastefully restored desirable South End home that boast 3 bedrooms, 2 full baths, exceptional kitchen with Vermont slate counter tops, sun filled front porch, granite patio, beautifully landscaped and ocean views. A short walk to Sandy Beach, down town Rockland, restaurants, art galleries and much more.

Listed by RE/MAX JARET & COHN

$
$
%
$/month over payments
Federal 30-year interest rate: 3.55% last updated on Aug 22, 2019
* 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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90 Meadow Road Rockland ME 04841

Price$312,000

Est. Mortgage: $/month

MLS Number 1430052

  • Residential
  • Address 90 Meadow Road
  • Bedrooms 4
  • Bathroom 3
  • Rooms 13

Fantastic opportunity for home ownership just minutes from town with views to the bay and a pastoral, country feel. Freshly renovated kitchen and dining area open to the deck with forever views to Penobscot Bay and beyond. The first floor features two bedrooms, a full bath, and cozy living room with more views! The finished lower levels has a large room with outside patio access, a full bath with soaking tub and large walk-in shower, and new laundry room. The second level of the home has a second kitchen, full bath, and three additional rooms and private entrance with fenced yard. The heated garage is a spectacular space with workshop and storage above. All in all, this home is a must-see. So many options and ready for you!

Listed by Better Homes & Gardens Real Estate/The Masiello Group

$
$
%
$/month over payments
Federal 30-year interest rate: 3.55% last updated on Aug 22, 2019
* 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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25 Main Street Rockland ME 04841

Price$229,000

Est. Mortgage: $/month

MLS Number 1410707

  • Condominium
  • Address 25 Main Street
  • Bathroom 3
  • Bedrooms 2
  • Acreage 0.12

Very well maintained 2 bed, 2.5 baths 1 car garage condo/single family home on the edge of town. Views of Rockland Harbor and within walking distance to downtown Rockland which features fine dining, museums, unique shops, and shows. Rockland has a very active waterfront and ferries run all day out to the many islands of her coast, Such as Vinalhaven, and North Haven.

Listed by RE/MAX JARET & COHN

$
$
%
$/month over payments
Federal 30-year interest rate: 3.55% last updated on Aug 22, 2019
* 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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315 Old County Road Rockland ME 04841

Price$179,700

Est. Mortgage: $/month

MLS Number 1402785

  • Residential
  • Address 315 Old County Road
  • Location Neighborhood
  • Bedrooms 3
  • Bathroom 2

Listed by ERA Cousens Realty

$
$
%
$/month over payments
Federal 30-year interest rate: 3.55% last updated on Aug 22, 2019
* 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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18 Talbot Avenue Rockland ME 04841
Pending

MLS Number 1402711

  • Commercial
  • Address 18 Talbot Avenue
  • Acreage 0.46
  • Year Built 1930

Make a statement and be ever present in the heart of Rockland's Arts & Business District within walking distance of all downtown and the harbor. This gracious and remarkable property is the former residence of the Honorable G. Wood. Currently used as a professional office space, this structure retains all of its original 1930's detail and charm. As well, the systems, aesthetics, functional, and structural updates are many. With almost 1/2 of an acre of land, this property is beautifully landscaped and features off-street parking for 15 or more cars. Ideally suited to continue as professional office space, an art gallery, or an owner-occupied residence / work space, the possibilities are numerous.

Listed by Better Homes & Gardens Real Estate/The Masiello Group

$
$
%
$/month over payments
Federal 30-year interest rate: 3.55% last updated on Aug 22, 2019
* 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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17 Riverwood Drive Rockland ME 04841

Price$49,900

Est. Mortgage: $/month

MLS Number 1408649

  • Land
  • Address 17 Riverwood Drive
  • Acreage 0.87

'Located just minutes from downtown Rockland, this ready-to-build lot is surrounded by picturesque mountains and scenic views all year round. Septic on site and ready to connect to your future home! The short jaunt into Rockland offers fine dining and drinks, art galleries, the Farnsworth Museum, shoreline walking paths, the breakwater and so much more! This convenient location also allows quick access to nearby Rockport and Camden just 10-15 minutes away for even more of what makes mid-coast Maine the destination for locals and tourists alike.'

Listed by RE/MAX JARET & COHN

$
$
%
$/month over payments
Federal 30-year interest rate: 3.55% last updated on Aug 22, 2019
* 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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182 Camden Street Rockland ME 04841

Price$175,000

Est. Mortgage: $/month

Pending

MLS Number 1249676

  • Land
  • Address 182 Camden Street
  • Acreage 0.79

Property has been permitted for a 2,800/sf (+/-) restaurant. MDOT permits in place and MDEP approvals have been granted. Electricity available from the pole on property. Water & Sewer stubbed on site. Site has been soil tested - no marine clay found.

Listed by The Masiello Group Commercial Associates, Inc.

$
$
%
$/month over payments
Federal 30-year interest rate: 3.55% last updated on Aug 22, 2019
* 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. ©2019 Maine Real Estate Information System, Inc. All Rights Reserved. equal opportunity housing logo   Privacy Policy

Megunticook Real Estate 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.