Lakefront Homes in Northern Maine

Lakefront Home in MaineFind all lakefront homes for sale in Northern Maine with Acadia Realty Group. These properties feature a variety of amenities like gorgeous sandy beaches, docks, panoramic lake views, moorings, and more. You’ll find a variety of vacation homes and year round residences. You may even find some properties with lake and mountain views.

Lakefront Homes for Sale in Maine

Call Acadia Realty Group at 207.266.9125 or contact us online if you have questions or to schedule a showing.

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947 Black Point Road Beaver Cove ME 04441

Beaver Cove, ME947 Black Point Road

Price$465,000

Est. Mortgage: $/month

MLS Number 1453366

  • Residential
  • MLS Status Active
  • Address 947 Black Point Road
  • Bedrooms 3
  • Bathroom 1

Immaculate 3 bedroom log cabin is located in desirable Beaver Cove in a beautiful wooded setting. Situated on 3 acre lot with 650' of road frontage and 200' of water frontage on legendary Moosehead Lake with 2 boat moorings. Featuring an attached 2-car garage with lots of space above as well as a large detached garage gives you ample room to store the toys and lawn equipment. Snowmobile and ATV directly from the property. Sit on the porch with your coffee to listen to the loons and watch the deer overlooking private cove. Low taxes! Seller will negotiate credit towards Shoremaster dock system or boat slip at Beaver Cove Marina.

Listed by Realty of Maine

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$/month over payments
Federal 30-year interest rate: 2.72% last updated on Nov 25, 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 Balsam Road Beaver Cove ME 04441

Beaver Cove, ME8 Balsam Road

Price$110,000

Est. Mortgage: $/month

MLS Number 1476781

  • Residential
  • MLS Status Active
  • Address 8 Balsam Road
  • Bedrooms 2
  • Bathroom 1

24' x 28' camp, and outbuilding, located in the very desirable, wooded community of Beaver Cove. Less than ten miles from Greenville with all it's fun shops and neat restaurants, and just minutes from Lily Bay State Park, this four room camp could be that perfect Northwood's get-a-way you've been searching for. Come and go by four wheeler or snowmobile, there is outdoor fun in every direction and all close by. As a bonus, enjoy deeded access to a beautiful sandy beach on Moosehead Lake, Maine largest and most famous lake. Bring your tool belt as some finish work is needed, but everything else is there and is only waiting on you! Call for more details.

Listed by Century 21 Moose Country

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$/month over payments
Federal 30-year interest rate: 2.72% last updated on Nov 25, 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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155 Lake View Drive Rockland ME 04841

Rockland, ME155 Lake View Drive

Price$725,000

Est. Mortgage: $/month

MLS Number 1476703

  • Residential
  • MLS Status Active
  • Address 155 Lake View Drive
  • Bedrooms 4
  • Bathroom 3

Beautiful lakefront home just minutes to town. Ideal year-round location with stunning views of Chickawaukie Pond and the surrounding hills. From summer boating and swimming to winter skating and ice fishing, there is always something to do here on the pond. Enjoy evenings around the fire-pit while you watch the stars, or relax on the wrap-around deck and take in the view. The living room, with cathedral ceilings and a soaring stone fireplace, is the perfect place to gather when it's time to come inside. Designed for easy living, the open floor plan includes a chef's kitchen and large dining area that can handle a crowd. The first floor bedroom and three on the second level each have unique views. 3-car garage provides plenty of storage space. Air conditioned for comfort, excellent rental history, dock and float, furnishings included, the house is move-in ready -- just bring yourselves!

Listed by Legacy Properties Sotheby's International Realty

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$
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$/month over payments
Federal 30-year interest rate: 2.72% last updated on Nov 25, 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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134 Main Street Belgrade ME 04917

Belgrade, ME134 Main Street

Price$687,000

Est. Mortgage: $/month

MLS Number 1462348

  • Residential
  • MLS Status Active
  • Address 134 Main Street
  • Bedrooms 3
  • Bathroom 2

Exquisite Historic Village Waterfront Colonial on Long Pond with sandy beach. In the center of the village walk everywhere. Glorious sunsets over the water and July fireworks over the point. Complete, newly Renovated commercial appliances, new propane furnace, expansive views., Eleven rooms and two full baths..

Listed by Lakepoint Real Estate

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Federal 30-year interest rate: 2.72% last updated on Nov 25, 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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185 Lakeside Landing Road Glenburn ME 04401

MLS Number 1476361

  • Residential
  • MLS Status Active
  • Bedrooms 3
  • Bathroom 2
  • Rooms 6

Experience the serenity of lakeside living in this pristine home on the sought after Pushaw Lake! With an impressive list of updates that make the home feel like new, you are sure to fall in love with this year-round property. The open concept floorplan allows one to enjoy the views throughout, starting with an eat-in kitchen featuring stainless steel appliances, and the granite breakfast bar that opens to a dining area, ideal for entertaining. The large family room faces a wall of windows overlooking stunning water views complete with a cozy wood stove and heat pump for additional heat and air conditioning. The guest bedroom and luxurious master, each with their own water views as well as a completely renovated bathroom designed to pamper with a double vanity, extra-large soaking tub & wall-less tiled shower with 3-jet shower heads. An optional master/guestroom is located on the 1st floor, currently set up for the perfect home office for those who wish to look out over the water and watch the seasons while working from home. A shed providing great storage for your canoes & kayaks, all to be easily taken to the water's edge, right across the grassy yard to the composite dock with swimming ladder! Let life's stresses slip away while being 20 min. to Downtown Bangor & quick commute to UMaine & Northern Light EMMC.

Listed by ERA Dawson-Bradford Co.

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$/month over payments
Federal 30-year interest rate: 2.72% last updated on Nov 25, 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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71 Johnson Cove Road Otis ME 04605

Otis, ME71 Johnson Cove Road

Price$799,000

Est. Mortgage: $/month

MLS Number 1476351

  • Residential
  • MLS Status Active
  • Address 71 Johnson Cove Road
  • Bedrooms 3
  • Bathroom 2

A RARE OPPORTUNITY to own this gorgeous one of a kind WATERFRONT property in Otis, Maine! Move right in to this beautifully appointed and unique lakefront home on pristine spring-fed Beech Hill Pond. Complete renovation inside and out in 2018 & 2019; the property is beyond what you would expect in quality, class and breathtaking views! More than a home, this property offers a lifestyle of relaxation, entertainment and year-round retreat; a chance to live the dream! Lined with privacy fence, mature shrubbery, custom stone patios with a custom made propane firepit, 150' of your very own sand beach, western exposure and clear clean water is ideal for swimming, fishing, boating, kayaking, sailing; you name it! Additionally, the 5-bay heated garage w/carport offers an opportunity for guest quarters with an additional 1/2 bath and huge storage for all your toys! The interior of the house features natural light from all sides with lots of glass and expansive views of the lake, cathedral ceilings, custom millwork throughout and high-end materials. Too much relaxation at home and feel like a day of hiking and sightseeing? This home is within an hour of one of Maine's most sought out travel destinations; Acadia National Park & Bar Harbor, Maine! Close proximity to Bangor International Airport. The time is now to call this beautiful lakeside cottage your next home! PLEASE SEE LIST OF IMPROVEMENTS!

Listed by NextHome Experience

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$/month over payments
Federal 30-year interest rate: 2.72% last updated on Nov 25, 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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216 High Point Drive Penobscot ME 04476

Penobscot, ME216 High Point Drive

Price$263,500

Est. Mortgage: $/month

MLS Number 1476185

  • Residential
  • MLS Status Active
  • Address 216 High Point Drive
  • Bedrooms 3
  • Bathroom 2

Beautiful custom built home located in Penobscot. Attention to detail has been given to this contemporary, 3 bedroom, 2 bath home that sits privately on 6 acres. There is a deeded ROW to Toddy Pond within walking distance. The lay-out is open with 9 ft ceilings and lends itself to many room options. The wood stove in the living room and propane fireplace in the first floor master bedroom have new stone hearths and mantels, new wood floors and wood doors throughout, new porch with railing, large back deck and a 2 car garage that is heated, has power and plenty of storage above. This property is conveniently located between Bucksport and Ellsworth. Move in ready!!

Listed by Realty of Maine

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$
%
$/month over payments
Federal 30-year interest rate: 2.72% last updated on Nov 25, 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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85 Grove Street Dexter ME 04930

Dexter, ME85 Grove Street

Price$158,000

Est. Mortgage: $/month

MLS Number 1437580

  • Residential
  • MLS Status Active
  • Address 85 Grove Street
  • Bedrooms 2
  • Bathroom 3

Enjoy the panoramic lake view from the grand 46'x8' deck from this rare commercial/residential property that is priced to sell. Live where you work; create your dream life in the heart of Maine! Structure is sound but cosmetic improvements are needed; the perfect opportunity to personalize your new investment. You will be the envy of the neighborhood while enjoying the grandfathered-in deck. It is solidly constructed and will look fabulous again with a little TLC. Use the new deck stairs as your private home/rental entrance or enter through what is now a retail space. With a few modifications the 2 bedroom, 1-1/2 bath apartment can become office space or the retail space can become living space. The retail space has it own 1/2 bath with a utility sink or consider adding a shower to make a full bath. The possibilities are endless! What are you waiting for? Book a showing now! More photos to come. Also listed as commercial property, see MLS# 1437631

Listed by North Country Properties

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$
%
$/month over payments
Federal 30-year interest rate: 2.72% last updated on Nov 25, 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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397 Shelton Trail Rangeley Plt ME 04970

Rangeley Plt, ME397 Shelton Trail

Price$415,000

Est. Mortgage: $/month

Pending

MLS Number 1475840

  • Residential
  • MLS Status Pending
  • Address 397 Shelton Trail
  • Location Rural
  • Bedrooms 3

MOOSELOOKMEGUNTIC - classic lakeside gem of a camp offering 3BR, 1BA, spacious screened porch overlooking lake and mountain views! 3-season cottage (can be used in winter) boasts level lawn to gradual entry 100' waterfront with dock. Detached 1 car garage with walk-up storage above. Storage shed for your fire wood and gear. Sold fully furnished, just move in and enjoy!

Listed by Morton & Furbish Agency

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$
%
$/month over payments
Federal 30-year interest rate: 2.72% last updated on Nov 25, 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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1503 Pushaw Road Glenburn ME 04401

Glenburn, ME1503 Pushaw Road

Price$570,000

Est. Mortgage: $/month

MLS Number 1475688

  • Residential
  • MLS Status Active
  • Address 1503 Pushaw Road
  • Location Near Town
  • Bedrooms 2

Private Oasis! Enjoy all that lakefront property offers. This home is located just minutes from U of Maine, I-95 and Bangor International Airport. 15+ acres of land with over 500 ft of water and road frontage. Good opportunity to divide lot. Your own private sanctuary/wildlife abound, apple trees and high bush blueberries. Home built in 1950 with an addition and many new updates, including 2 heat pumps, whole house generator solar collectors, 1056 sq foot garage with 12x16 office, vinyl siding and metal roofs

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

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$
%
$/month over payments
Federal 30-year interest rate: 2.72% last updated on Nov 25, 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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837 & 841 Nicolin Road Ellsworth ME 04605

Ellsworth, ME837 & 841 Nicolin Road

Price$695,000

Est. Mortgage: $/month

MLS Number 1475662

  • Residential
  • MLS Status Active
  • Location Rural, Subdivision
  • Bedrooms 4
  • Bathroom 3

Incredible opportunity to own 2 year round cottages on desirable Green Lake. This property would make the perfect family compound with rental income potential. The lot is made up of 3 individual parcels totally 1.65 acres with 241 feet of sand beach frontage. The 2 cottages have been recently renovated and are being sold fully furnished. There are 2 separate detached garages for storage and bunkhouse potential. Call today!

Listed by Sargent Real Estate

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$/month over payments
Federal 30-year interest rate: 2.72% last updated on Nov 25, 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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51 Haskell Avenue Raymond ME 04071

Raymond, ME51 Haskell Avenue

Price$775,000

Est. Mortgage: $/month

Pending

MLS Number 1475484

  • Residential
  • MLS Status Pending
  • Address 51 Haskell Avenue
  • Location Neighborhood, Rural
  • Bedrooms 2

Wake up to the sound of the loons in this lovingly built, lovingly improved and lovingly maintained Log Home. You will be impressed with the exceptional quality and modern conveniences. The stone fireplace in the cathedral ceiling living room with views to the lake is breathtaking. The modern kitchen features granite counters, wood cabinets, and lake views. Office on 1st floor can be converted back to bedroom 3. Crescent lake features all boating and water sports, quality water, and excellent fishing. The beautiful landscape is accented by an impressive stone firepit overlooking the lake. Sellers wish to rent back from buyers until April 2021.

Listed by Bean Group

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$
%
$/month over payments
Federal 30-year interest rate: 2.72% last updated on Nov 25, 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 Stanhope Mill Road Lincoln ME 04457

Lincoln, ME308 Stanhope Mill Road

Price$350,000

Est. Mortgage: $/month

MLS Number 1475431

  • Residential
  • MLS Status Active
  • Location Rural
  • Bedrooms 3
  • Bathroom 2

Year round home for sale on Upper Cold Stream Pond in Lincoln, Maine! The first floor features a mud room, laundry/utility room, eat in kitchen, dining room, living room, half bathroom, and a bedroom. The second floor features a full bathroom, two bedrooms, a den, office, bonus room, a large family room. This home has power, generator hookup, private septic, lake drawn water (used year round), and year round access. The home sits on 1.17+/- surveyed acres with 176+/- feet of lakefront. The large deck and balcony face the lake. Enjoy all that Upper Cold Stream has to offer; fishing, boating, kayaking, and swimming.

Listed by Realty of Maine

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$
%
$/month over payments
Federal 30-year interest rate: 2.72% last updated on Nov 25, 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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Marks Lake Road Marshfield ME 04654

Marshfield, MEMarks Lake Road

Price$43,400

Est. Mortgage: $/month

MLS Number 1437810

  • Residential
  • MLS Status Active
  • Address Marks Lake Road
  • Location Rural
  • Bedrooms 1

Cute & cozy vintage vertical 12x15 log hunting camp (exterior T-III) Old parlor stove keeps the chill away. Sink has some sort of grey water bed. Hand carry everything. No power. Located high up offering exquisite views & approximately 423' lake frontage. Town has 1.99 acres on books, deed appears to work out to approximately 3.4 acres. Tax assessed for $61k. There is also deeded Right of Way access via old road that has grown over.You need to bring your own canoe,kayak, row boat. & lifejackets

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

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$
%
$/month over payments
Federal 30-year interest rate: 2.72% last updated on Nov 25, 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 Nesting Loon Drive Lincoln ME 04457

Lincoln, ME75 Nesting Loon Drive

Price$150,000

Est. Mortgage: $/month

Pending

MLS Number 1474909

  • Residential
  • MLS Status Pending
  • Bedrooms 2
  • Bathroom 1
  • Rooms 4

This cozy 2 bed 1 bath waterfront home is located at the very end of Nesting Loon Drive in Lincoln. The ranch style home overlooks Caribou Pond and features natural knotty pine interior, large windows for natural light, and modern amenities for easy year round lake living. Plenty of yard space for outdoor activities, recreation, and storage. Small sandy & rocky beach for swimming, boating, kayaking, canoeing, and more! Caribou Pond is connected to both Egg & Long Pond providing extensive stretches of beautiful shoreline with distant views of area hills and mountains. This chain of warmwater lakes is known for excellent bass, white perch, and pickerel fishing, plus plenty of wildlife viewing. The property is easily accessible off of Route 6 with gated entrance for privacy. This could be a primary residence, vacation home, seasonal getaway, or rental. Less than 10 minutes to the center of Lincoln or Lee & less than 15 minutes to I-95. Direct access via Route 6 to endless recreational adventures, including ATV & snowmobile trails less than 2 miles away (ITS 81).

Listed by Keller Williams Realty

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$
%
$/month over payments
Federal 30-year interest rate: 2.72% last updated on Nov 25, 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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1441 Pushaw Road Glenburn ME 04401

Glenburn, ME1441 Pushaw Road

Price$320,000

Est. Mortgage: $/month

Pending

MLS Number 1474436

  • Residential
  • MLS Status Pending
  • Address 1441 Pushaw Road
  • Location Rural
  • Bedrooms 3

New construction. 3 bedroom, 2 full bath ranch on full walkout daylight basement with 2 car garage all on 3.5 acres with 163' of waterfrontage on Pushaw Lake.

Listed by Realty of Maine

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$
%
$/month over payments
Federal 30-year interest rate: 2.72% last updated on Nov 25, 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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55 Carry Road Rangeley ME 04970

Rangeley, ME55 Carry Road

Price$695,000

Est. Mortgage: $/month

MLS Number 1474411

  • Residential
  • MLS Status Active
  • Address 55 Carry Road
  • Bedrooms 2
  • Bathroom 3

Excellent Opportunity For Residential or Commercial In The Thriving Village Of Oquossoc, Maine. This building is fully renovated with 4,200 square feet of living space on 2 floors including a full basement, and is within walking distance to shops, museum, restaurants and marina. The first floor is currently a commercial business with vaulted ceilings, commercial KIT, fieldstone fireplace, spacious sun porch opening out to large deck. The 2 floor has a 2BR apartment with full bath, woodstove and deck. Property has 6 acres, borders the Rangeley River, is nicely landscaped, and has plenty of parking and room for expansion. This structure would make a great apartment building or condominium complex for this village. Plus zoning allows for additional types of business from retail, B&B or professional space. The building is ready for new ideas and includes a lot of real estate for asking price. Floor plan and survey available upon request.

Listed by Morton & Furbish Agency

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$
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$/month over payments
Federal 30-year interest rate: 2.72% last updated on Nov 25, 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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27 High Street Bath ME 04530

Bath, ME27 High Street

Price$325,000

Est. Mortgage: $/month

Pending

MLS Number 1474347

  • Residential
  • MLS Status Pending
  • Address 27 High Street
  • Bedrooms 3
  • Bathroom 2

If you've been waiting for a home that has space for an office overlooking calm and peaceful lakefront, yet, is 5 minutes to a vibrant downtown in one direction and 15 minutes to beaches in the other, look no further! In addition, this home has a wood burning fireplace in the living room, a formal dining room and a space for an additional office orhome school that doesn't take away from the 3bedrooms upstairs.The walk out basement is perfect for those woodworkers who want to have easy access to get projects in and out...or for the canoe and kayak storage when you're not using them on the lake in the summer. All of this on over an acre of land right on Winnegance Lake, this spot is a raregem you must see!

Listed by Legacy Properties Sotheby's International Realty

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$
%
$/month over payments
Federal 30-year interest rate: 2.72% last updated on Nov 25, 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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35 & 36 Wharf Road Raymond ME 04071

Raymond, ME35 & 36 Wharf Road

Price$625,900

Est. Mortgage: $/month

Pending

MLS Number 1474307

  • Residential
  • MLS Status Pending
  • Address 35 & 36 Wharf Road
  • Location Neighborhood
  • Bedrooms 2

*All offers must be in by Monday, November 2nd @ 5pm!*SEBAGO LAKE! Spectacular views down the lake from the level, sandy bottom, water frontage! This is an adorable 2 bedroom, 1 bathroom home that was completely rebuilt down to the studs (electrical, plumbing, heating, kitchen, bathroom, etc) in 2017. Also, a 2 car garage 24 x 22 across from the cottage with family room and plenty of space ( approx. 1648 sq.) for the overflow of lake quests!

Listed by Maine Real Estate Choice

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$
%
$/month over payments
Federal 30-year interest rate: 2.72% last updated on Nov 25, 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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229 Two Lakes Drive Northfield ME 04654

Northfield, ME229 Two Lakes Drive

Price$649,900

Est. Mortgage: $/month

MLS Number 1474295

  • Residential
  • MLS Status Active
  • Address 229 Two Lakes Drive
  • Location Rural
  • Bedrooms 3

Welcome home to the lake! Once you arrive you will never want to leave. This home has everything you would ever need plus more. Located about 100' off the shore of Bog Lake this home boasts easy one floor open floor plan living with hardwood floors, woodstove, custom kitchen, space on the deck for your hot tub (the hook up is there), a fully finished lower level with walk out access to the lake that includes in indoor lap pool, radiant heat, two bedrooms (one with double walk in closets), and even a woodstove hookup, and a finished play or guest space with full bath above the finished garage. Many more features to see in person as well!

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

$
$
%
$/month over payments
Federal 30-year interest rate: 2.72% last updated on Nov 25, 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

Acadia Realty Group 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.