Franklin Maine Real Estate

View homes for sale in Franklin, Maine. 

Franklin Real Estate for Sale

Call Acadia Realty Group at 207.266.9125 if you have questions or would like to see any of these properties in person. You may also want to explore real estate listings in other Acadia area towns.

20 Beverly Lane Franklin ME 04634

Franklin, ME20 Beverly Lane

Price$559,000

Est. Mortgage: $/month

MLS Number 1504371

  • Residential
  • MLS Status Active
  • Address 20 Beverly Lane
  • Location Rural, Subdivision
  • Bedrooms 4

A coastal Maine gem, this 3 bed 2 bath home sits on 5.1 acres and boasts 292 feet of frontage on Taunton bay. 2 car attached garage with a spacious 1 bed, 1 bath in-law apartment above. Generac Standby Generator. Master suite with a balcony and a view! Step out of the daylight basement to expanding views of the spacious, well manicured yard that includes gardens and a small farm pond. Frequent wildlife visitors including deer, turkeys, and bald eagles whom have resided on this property for over 7 years with an incredible nest on the water side of the property. Private and serene with beautiful views of Schoodic Mountain. This is a place that you just have to see!

Listed by Two Rivers Realty,LLC

$
$
%
$/month over payments
Federal 30-year interest rate: 3.09% last updated on Oct 21, 2021
* 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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74 Hog Bay Road Franklin ME 04634

Franklin, ME74 Hog Bay Road

Price$449,900

Est. Mortgage: $/month

Pending

MLS Number 1508836

  • Residential
  • MLS Status Pending
  • Address 74 Hog Bay Road
  • Location Rural
  • Bedrooms 4

The OLD FERNALD FARM with 11 acre's is up for sale along with additional 24 acre's of ocean front and the view is spectacular. The farmhouse was built in the 1800's and has all the original characteristics along with several sections of barn/garage areas. Walk out your front door to look at approx. 1000 feet of ocean front of Hog Bay. Put your kayaks in and enjoy the ride from your front door. Home has some deferred maintenance but can be a show piece with the right owner. Heated with oil and propane heat and has a heat pump hot water heater. Three to four bedroom home with one full and one 1/2 bath. Franklin is 12 miles east of Ellsworth so just a quick ride to all the amenities.

Listed by CENTURY 21 Queen City Real Estate

$
$
%
$/month over payments
Federal 30-year interest rate: 3.09% last updated on Oct 21, 2021
* 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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off Macomber Mill Road Franklin ME 04634

Franklin, MEoff Macomber Mill Road

Price$395,000

Est. Mortgage: $/month

MLS Number 1482675

  • Land
  • MLS Status Active
  • Property SubType Land
  • Acreage 586

586 remote, private and scenic acres! Good quality intermal road system. This is a dead end road location and is close to George's Pond and several other lakes. Just a few miles to salt water too! Great hunting and recreation area! Seller finance is possible.

Listed by First Choice Real Estate

$
$
%
$/month over payments
Federal 30-year interest rate: 3.09% last updated on Oct 21, 2021
* 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 Eastbrook Road Franklin ME 04634

Franklin, ME11 Eastbrook Road

Price$259,900

Est. Mortgage: $/month

MLS Number 1510979

  • Residential
  • MLS Status Active
  • Address 11 Eastbrook Road
  • Location Rural
  • Site Features Level,Open

Open kitchen & living room, slider to deck, 3 bedroom, 2 baths, two bay garage with door openers. Well maintained home with a nice lawn area & deck. Close to Ellsworth & ANP.

Listed by Realty of Maine

$
$
%
$/month over payments
Federal 30-year interest rate: 3.09% last updated on Oct 21, 2021
* 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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5 Clean Sweep Rd Road Franklin ME 04634

Franklin, ME5 Clean Sweep Rd Road

Price$255,000

Est. Mortgage: $/month

Pending

MLS Number 1495258

  • Residential
  • MLS Status Pending
  • Location Rural
  • Bedrooms 2
  • Rooms 5

Rare offering on desirable Georges Pond!! This 2 bed 1 bath home sits on a quiet .82 Acres. Enjoy the peaceful outdoors in this serene setting. The home boasts of open concept first floor, with bedrooms upstairs. Full walk out basement offers potential for more space! Large wrap around covered deck allows room for guests to enjoy the view too. Staircase to the crystal clear water known for great swimming and fishing. Come enjoy this as a year round home, a camp, or perhaps a vacation rental investment?? Home needs some TLC, but can be enjoyed while you work on it! A must see!

Listed by Acadia Cornerstone Real Estate,LLC

$
$
%
$/month over payments
Federal 30-year interest rate: 3.09% last updated on Oct 21, 2021
* 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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7 Macomber Mill Road Franklin ME 04634

Franklin, ME7 Macomber Mill Road

Price$245,000

Est. Mortgage: $/month

MLS Number 1493543

  • Residential
  • Address 7 Macomber Mill Road
  • MLS Status Active
  • Site Features Level,Open,Wooded
  • Bedrooms 3

PRICE REDUCTION!! This charming 1989 saltbox is 3BR / 2BA and perfect for a growing family. First-floor bedroom and bath and spacious deck for BBQs are a bonus! Solar panels for hot water, 2 pellet stoves and a hot water baseboard boiler. Seller heated whole house on 2 1/2 ton of pellets last year! The full basement is dry and a one-car garage! For you outdoor enthusiasts, this property is only 1/2 mile to Georges Pond public access. Macomber Mill Rd and Georges Pond Rd are access roads to Sunrise Trail and ATV trails that will take you to Route 9 and beyond. Less than 15 minutes to Tunk Mountain Trail and other ponds and trails on the Blackswoods Road. Don't forget that Acadia National Park is only about 25 miles away!

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

$
$
%
$/month over payments
Federal 30-year interest rate: 3.09% last updated on Oct 21, 2021
* 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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3 Balsam Point Franklin ME 04634

Franklin, ME3 Balsam Point

Price$232,500

Est. Mortgage: $/month

Pending Continue to Show

MLS Number 1509507

  • Residential
  • Address 3 Balsam Point
  • Location Rural
  • Rooms 6
  • Bedrooms 2

With 2.8 acres and over 500 feet on Egypt Bay, this home has a lot to offer! Nice and private, yet close to Ellsworth and Acadia National Part and all its amenities. The home has a Cathedral ceiling and large windows which let in lots of light. The open concept kitchen and large living room makes entertaining easy and fun. With a little TLC, this home could be your true Oasis. Come take a look!

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

$
$
%
$/month over payments
Federal 30-year interest rate: 3.09% last updated on Oct 21, 2021
* 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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231 Eastbrook Road Franklin ME

Franklin, ME231 Eastbrook Road

Price$225,000

Est. Mortgage: $/month

Pending Continue to Show

MLS Number 1501597

  • Mobile Home
  • Address 231 Eastbrook Road
  • Property SubType Manufactured Home
  • Rooms 7
  • Bedrooms 3

PRICE REDUCTION: Well-kept and maintained 2016 Patriot double-wide with upgraded quality construction materials. Black granite countertops and eat-in kitchen, separate laundry and craft area, walk-in closets in all bedrooms, spacious living room and fantastic primary bedroom with ensuite bathroom. Heat pump installed in 2021. Access to the Sunrise Trail available just 2.5 miles down the road; Acadia National Park and Schoodic Peninsula only 35 minutes away; public access at Georges Pond, Molasses Pond and Donnells Pond nearby.

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

$
$
%
$/month over payments
Federal 30-year interest rate: 3.09% last updated on Oct 21, 2021
* 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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52 Woods Edge Lane Franklin ME 04634

Franklin, ME52 Woods Edge Lane

Price$215,000

Est. Mortgage: $/month

MLS Number 1505687

  • Residential
  • MLS Status Active
  • Address 52 Woods Edge Lane
  • Bedrooms 1
  • Bathroom 1

A gem of a property located on very private acreage in the coastal town of Franklin. The home is partially finished with so many opportunities to make it your own! The house is solid construction with a wonderful 7'10'' x 32' covered porch, spacious kitchen, living/dining room, large bath, bedroom and mudroom/rear entry area (all needing some finishing) leading to the lower level. The lower level is a walk-out, daylight basement which could easily be additional living space (it was in the past). The home is currently heated with a pellet stove but could easily have central heat added. The construction of the house was gradual with kitchen cabinets and appliances in, much of the home is insulated with wall board. There's some building/finishing supplies included in the sale. The detached, two level garage has a partially finished area above, offering additional living space possibilities, ie: guest space, living space, studio, office???? The grounds are beautiful with open and wooded areas and a path leading to beautiful frontage on Cards Mill Stream. Very private. An easy commute to Ellsworth and Downeast areas. Financing options are available but some programs will not allow the home to be financed without some finishes completed. ** The property is being sold as-is as part of an estate settlement. **

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

$
$
%
$/month over payments
Federal 30-year interest rate: 3.09% last updated on Oct 21, 2021
* 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.

Save FavoriteSchedule TourAsk A QuestionMore Details

210 Blackswoods Road Franklin ME

Franklin, ME210 Blackswoods Road

Price$170,000

Est. Mortgage: $/month

Pending Continue to Show

MLS Number 1505780

  • Mobile Home
  • Property SubType Manufactured Home
  • Address 210 Blackswoods Road
  • Rooms 8
  • Year Built 2010

2010 Double-wide with fantastic views of Alder Brook! 3 BR, 2 BA with laminate floors throughout, open living space to spread out. Great yard and very close to Donnell Pond and Georges Pond. The Sunrise Trail is accessed just a little over a mile away! Less than 10 minutes to Tunk Mountain Trail and other ponds and trails on the Blackswoods Road. Don't forget that Acadia National Park is only about 25 miles away! Great location!

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

$
$
%
$/month over payments
Federal 30-year interest rate: 3.09% last updated on Oct 21, 2021
* 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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Lot 3 Billings Cove Road Franklin ME 04634
Pending

MLS Number 1506366

  • Land
  • Property SubType Land
  • MLS Status Pending
  • Acreage 2.8

Listed by Swan Agency Real Estate

$
$
%
$/month over payments
Federal 30-year interest rate: 3.09% last updated on Oct 21, 2021
* 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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Lot 6 Acadia View Circle Franklin ME 04634

MLS Number 1484486

  • Land
  • MLS Status Active
  • Property SubType Land
  • Acreage 1.78

Welcome to Acadia from Bailey Mountain, an exclusive, gated mountain-top community offering sweeping views of the mountains of Acadia, Mount Desert Island, and Schoodic Mountain, including views of ocean and surrounding lakes and ponds. Join others who have delighted in the area's abundant natural offerings, peaceful setting, and scenic views. This nature-oriented subdivision is for those seeking a secluded location to build their quality home and enjoy all that the Bailey Mountain community has to offer. Thoughtful self-governed community use restrictions to help protect and enhance the quality of life and natural beauty as the community grows. Numerous hiking trails provide access to nature right out your front door. Private waterfront access within walking distance on George's Pond may be available by request and special permission for Acadia From Bailey Mountain residents. Public boat launch and public beach access available on nearby George's Pond. Quality roads maintained by the Homeowners Association ensure excellent year-round access. As well, Acadia National Park, Tunk Lake, Donnell Pond, and other tracts of preserved public lands with coastal saltwater access are all just minutes away. Located an hour from Bangor International Airport and just 12 miles from Ellsworth, where all major services, shopping, and the regional hospital are located. Schedule a visit and expect to be surprised by this unique new 2021 offering.

Listed by Legacy Properties Sotheby's International Realty

$
$
%
$/month over payments
Federal 30-year interest rate: 3.09% last updated on Oct 21, 2021
* 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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16A West Franklin Road Franklin ME 04634

Franklin, ME16A West Franklin Road

Price$119,900

Est. Mortgage: $/month

Pending

MLS Number 1487939

  • Land
  • MLS Status Pending
  • Property SubType Land
  • Acreage 18

Coastal property with over 1200' of private shoreline with many possibilities. Large acreage over 18+ acres with a driveway over 750' leading you to a very private future building site. Mature trees throughout property. Or with so much land and shoreline....subdivision could be a possibility with town approval.

Listed by L&S Realty

$
$
%
$/month over payments
Federal 30-year interest rate: 3.09% last updated on Oct 21, 2021
* 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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Lot 9 Acadia View Circle Franklin ME 04634

MLS Number 1489709

  • Land
  • Property SubType Land
  • MLS Status Active
  • Acreage 1.83
  • Other Amenities Water View

Welcome to Acadia from Bailey Mountain, an exclusive, gated mountain-top community offering sweeping views of the mountains of Acadia, Mount Desert Island, and Schoodic Mountain, including views of ocean and surrounding lakes and ponds. Join others who have delighted in the area's abundant natural offerings, peaceful setting, and scenic views. This nature-oriented subdivision is for those seeking a secluded location to build their quality home and enjoy all that the Bailey Mountain community has to offer. Thoughtful self-governed community use restrictions to help protect and enhance the quality of life and natural beauty as the community grows. Numerous hiking trails provide access to nature right out your front door. Private waterfront access within walking distance on George's Pond may be available by request and special permission for Acadia From Bailey Mountain residents. Public boat launch and public beach access available on nearby George's Pond. Quality roads maintained by the Homeowners Association ensure excellent year-round access. As well, Acadia National Park, Tunk Lake, Donnell Pond, and other tracts of preserved public lands with coastal saltwater access are all just minutes away. Located an hour from Bangor International Airport and just 12 miles from Ellsworth, where all major services, shopping, and the regional hospital are located. Schedule a visit and expect to be surprised by this unique new 2021 offering.

Listed by Legacy Properties Sotheby's International Realty

$
$
%
$/month over payments
Federal 30-year interest rate: 3.09% last updated on Oct 21, 2021
* 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.

Save FavoriteSchedule TourAsk A QuestionMore Details

Lot 11 Acadia View Circle Franklin ME 04634

MLS Number 1489710

  • Land
  • Property SubType Land
  • MLS Status Active
  • Acreage 1.31

Welcome to Acadia from Bailey Mountain, an exclusive, gated mountain-top community offering sweeping views of the mountains of Acadia, Mount Desert Island, and Schoodic Mountain, including views of ocean and surrounding lakes and ponds. Join others who have delighted in the area's abundant natural offerings, peaceful setting, and scenic views. This nature-oriented subdivision is for those seeking a secluded location to build their quality home and enjoy all that the Bailey Mountain community has to offer. Thoughtful self-governed community use restrictions to help protect and enhance the quality of life and natural beauty as the community grows. Numerous hiking trails provide access to nature right out your front door. Private waterfront access within walking distance on George's Pond may be available by request and special permission for Acadia From Bailey Mountain residents. Public boat launch and public beach access available on nearby George's Pond. Quality roads maintained by the Homeowners Association ensure excellent year-round access. As well, Acadia National Park, Tunk Lake, Donnell Pond, and other tracts of preserved public lands with coastal saltwater access are all just minutes away. Located an hour from Bangor International Airport and just 12 miles from Ellsworth, where all major services, shopping, and the regional hospital are located. Schedule a visit and expect to be surprised by this unique new 2021 offering.

Listed by Legacy Properties Sotheby's International Realty

$
$
%
$/month over payments
Federal 30-year interest rate: 3.09% last updated on Oct 21, 2021
* 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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296 George's Pond Road Franklin ME
Pending

MLS Number 1450202

  • Mobile Home
  • Property SubType Manufactured Home
  • MLS Status Pending
  • Bathroom 1
  • Bedrooms 2

Newly refreshed mobile home with partial seasonal water views that could be opened up even more on the 1.5 acres of land. A short walk down the road gets you to the public Georges Pond beach and boat launch. Come take a look at an affordable option to call home in a great location.

Listed by Josh Shelton of Acadia Realty Group

$
$
%
$/month over payments
Federal 30-year interest rate: 3.09% last updated on Oct 21, 2021
* 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 Main Street Franklin ME 04634

Franklin, ME15 Main Street

Price$79,900

Est. Mortgage: $/month

MLS Number 1486259

  • Residential
  • MLS Status Active
  • Address 15 Main Street
  • Location Intown, Neighborhood
  • Site Features Level,Open

This Victorian home of days past needs you to bring it back to all its beauty. Large home with attached barn, wood floors mostly throughout. Original built-ins and fixtures mostly intact. In town lot close to all the area offers, minutes to the Atlantic Ocean and our treasured Acadia National Park.

Listed by Realty of Maine

$
$
%
$/month over payments
Federal 30-year interest rate: 3.09% last updated on Oct 21, 2021
* 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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Lot 2 Goodwin Road Franklin ME 04634

Franklin, MELot 2 Goodwin Road

Price$79,900

Est. Mortgage: $/month

MLS Number 1500854

  • Land
  • Property SubType Land
  • MLS Status Active
  • Address Lot 2 Goodwin Road
  • Acreage 40

40 acre lot in the quaint community of Franklin in the Clark Estates Subdivision. Old woods road and small brook run through this lot. Back line borders on West Brook (estimated frontage 1650'). Only 7 miles to Ellsworth and about 20 miles to Acadia National Park. Soil tested and power at Goodwin Rd. Access points to the Sunrise Trail in Franklin off of the Eastbrook Road, Route 182 and Cards Crossing! Come take a look! OWNER FINANCING AVAILABLE! Real estate taxes have not been calculated on this lot yet. Tax amount is not accurate.

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

$
$
%
$/month over payments
Federal 30-year interest rate: 3.09% last updated on Oct 21, 2021
* 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.

Virtual TourSave FavoriteSchedule TourAsk A QuestionMore Details

Lot 16 Acadia View Drive Franklin ME 04634

MLS Number 1489713

  • Land
  • Property SubType Land
  • MLS Status Active
  • Acreage 1.31

Welcome to Acadia from Bailey Mountain, an exclusive, gated mountain-top community offering sweeping views of the mountains of Acadia, Mount Desert Island, and Schoodic Mountain, including views of ocean and surrounding lakes and ponds. Join others who have delighted in the area's abundant natural offerings, peaceful setting, and scenic views. This nature-oriented subdivision is for those seeking a secluded location to build their quality home and enjoy all that the Bailey Mountain community has to offer. Thoughtful self-governed community use restrictions to help protect and enhance the quality of life and natural beauty as the community grows. Numerous hiking trails provide access to nature right out your front door. Private waterfront access within walking distance on George's Pond may be available by request and special permission for Acadia From Bailey Mountain residents. Public boat launch and public beach access available on nearby George's Pond. Quality roads maintained by the Homeowners Association ensure excellent year-round access. As well, Acadia National Park, Tunk Lake, Donnell Pond, and other tracts of preserved public lands with coastal saltwater access are all just minutes away. Located an hour from Bangor International Airport and just 12 miles from Ellsworth, where all major services, shopping, and the regional hospital are located. Schedule a visit and expect to be surprised by this unique new 2021 offering.

Listed by Legacy Properties Sotheby's International Realty

$
$
%
$/month over payments
Federal 30-year interest rate: 3.09% last updated on Oct 21, 2021
* 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.

Save FavoriteSchedule TourAsk A QuestionMore Details

Lot 4 Acadia View Drive Franklin ME 04634

MLS Number 1489708

  • Land
  • Property SubType Land
  • MLS Status Active
  • Acreage 1.04

Welcome to Acadia from Bailey Mountain, an exclusive, gated mountain-top community offering sweeping views of the mountains of Acadia, Mount Desert Island, and Schoodic Mountain, including views of ocean and surrounding lakes and ponds. Join others who have delighted in the area's abundant natural offerings, peaceful setting, and scenic views. This nature-oriented subdivision is for those seeking a secluded location to build their quality home and enjoy all that the Bailey Mountain community has to offer. Thoughtful self-governed community use restrictions to help protect and enhance the quality of life and natural beauty as the community grows. Numerous hiking trails provide access to nature right out your front door. Private waterfront access within walking distance on George's Pond may be available by request and special permission for Acadia From Bailey Mountain residents. Public boat launch and public beach access available on nearby George's Pond. Quality roads maintained by the Homeowners Association ensure excellent year-round access. As well, Acadia National Park, Tunk Lake, Donnell Pond, and other tracts of preserved public lands with coastal saltwater access are all just minutes away. Located an hour from Bangor International Airport and just 12 miles from Ellsworth, where all major services, shopping, and the regional hospital are located. Schedule a visit and expect to be surprised by this unique new 2021 offering.

Listed by Legacy Properties Sotheby's International Realty

$
$
%
$/month over payments
Federal 30-year interest rate: 3.09% last updated on Oct 21, 2021
* 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.

Save FavoriteSchedule TourAsk A QuestionMore Details

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. ©2021 Maine Real Estate Information System, Inc. All Rights Reserved. equal opportunity housing logo   Privacy Policy

Acadia Realty Group participates in ©2021 Maine Listings Internet Data Exchange 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.