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4392 Island Ford Road Brevard NC 28712

Brevard, NC4392 Island Ford Road

Price$675,000

Est. Mortgage: $/month

MLS Number CAR4425014

  • Residential
  • Bedrooms 3
  • Bathroom 3
  • Square Feet 2,436
  • Acreage 1.15

Some properties offer more than just a place to call home, they offer a connection to the land, a sense of history, and a way of life that is becoming increasingly difficult to find. Welcome to 4392 Island Ford Road, a quintessential mountain retreat built in 1947 on land that has been cherished by the same family for generations. Located along iconic Island Ford Road, one of Transylvania County's most scenic and beloved country roads, the journey home is part of the experience. Rolling pastures, picturesque farms, historic summer camps, and breathtaking views of Dunn's Rock create a landscape that captures the timeless beauty and slower pace of life in the Blue Ridge Mountains. Perched on a peaceful knoll above the road, the home enjoys a wonderful sense of privacy and tranquility while remaining conveniently close to historic downtown Brevard. Here, you'll find the perfect balance of peaceful country living and easy access to the restaurants, galleries, shops, and vibrant arts community that make Brevard such a special place. Nearby Pisgah National Forest and DuPont State Recreational Forest offer world-class hiking, mountain biking, waterfalls, fishing, and endless opportunities to explore the outdoors. The home itself is filled with character, warmth, and possibilities. With substantial square footage under roof, the property offers an abundance of flexible bonus space ready to accommodate visiting friends and family, creative pursuits, hobbies, or simply room to spread out and enjoy mountain living. The wood-burning stove serves as a natural gathering place, bringing warmth and comfort to the home while perfectly complementing its nostalgic mountain character. Beyond the main residence, a sizable old workshop provides exceptional space for woodworking, tinkering, equipment, or whatever projects inspire you. Just off the lower level, an absolutely charming little pottery shed adds another layer of personality and possibility, a delightful space for an artist, gardener, or anyone who appreciates the simple pleasures of creating something with their hands. What makes this property truly special is not just its improvements or location, but the feeling of being here. The peaceful setting, the generations of family history, the character of the outbuildings, and the surrounding pastoral landscape all come together to create something authentic and increasingly rare. 4392 Island Ford Road is an invitation to embrace a simpler rhythm of life, surrounded by the natural beauty, history, and enduring charm of the Blue Ridge Mountains. A place to gather, create, explore, and make memories for generations to come.

Listed by Paul Wilander of Looking Glass Realty

$
$
%
$/month over payments
Federal 30-year interest rate: 7.24% last updated on Oct 29, 2026
* 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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791 Crooked Creek Road Hendersonville NC 28739
Active With Contract

MLS Number CAR4432032

  • Residential
  • Bedrooms 4
  • Bathroom 4
  • Square Feet 3,088
  • Acreage 0.66

Welcome to this beautifully maintained home in the desirable Crooked Creek subdivision of Hendersonville, NC, offering a wonderful combination of location, versatile living space, thoughtful updates, and scenic surroundings. Enjoy many days relaxing in the bright spacious sunroom overlooking the trees and golf course. Walk into your sizeable primary bedroom complete with a private en-suite bathroom and walk-in closet. The well-appointed kitchen, featuring an island and newer granite countertops, invites you to prepare meals, gather with family and friends, and enjoy everyday living in a welcoming space. Enjoy the fairly level lot, with open space between neighboring properties and plenty of room for gardening, outdoor activities, or simply relaxing outdoors. The three-car garage lets you park your vehicles, organize your belongings, and create a dedicated workspace, with one bay currently set up as a workshop. Step outside onto the beautifully renovated back patio, completely redone in 2026, at a cost of approximately $25,000, where you can fire up the grill for weekend barbecues, entertain friends and family, dine outdoors, or unwind in the peaceful surroundings. A new shed added in 2024 gives you even more room to store lawn equipment, gardening tools, and outdoor essentials. Four bedrooms and four bathrooms, three of the bedrooms offer the convenience of private bathrooms. One of the bedrooms could be used as an additional office/bonus room and provides flexible space for working from home, hobbies, crafts, or other needs. Numerous updates add to the home's appeal and peace of mind, including a newer roof with gutter guards, updated HVAC system, and a new primary bathroom shower completed in 2025. Please see attached features sheet for a complete list of updates. With its spacious living areas, scenic golf course views, flexible floor plan, substantial garage and workshop space, and impressive recent improvements.This home at 791 Crooked Creek Rd., Hendersonville NC offers a wonderful opportunity to enjoy comfortable living in a desirable Hendersonville location.

Listed by Keith Inman of Coldwell Banker Advantage

$
$
%
$/month over payments
Federal 30-year interest rate: 7.24% last updated on Oct 29, 2026
* 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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7410 Roseland Avenue Charlotte NC 28277

Charlotte, NC7410 Roseland Avenue

Price$675,000

Est. Mortgage: $/month

Pending

MLS Number CAR4406265

  • Residential
  • Bedrooms 4
  • Bathroom 4
  • Square Feet 3,708
  • Acreage 0.27

Impressive two-story brick home in a desirable Ballantyne location featuring a spacious, flexible floor plan and abundant natural light. The recently painted interior features beautiful hardwood floors throughout the main living areas. A dramatic two-story family room is highlighted by floor-to-ceiling windows and a gas fireplace, creating a bright and inviting gathering space. The main level also includes a private office with French doors, a sitting room at the front of the home and a spacious kitchen with center island, breakfast area and plenty of natural light. The main-level primary suite features a large walk-in closet and spacious bath. Upstairs, newer carpet extends throughout a versatile layout offering a bedroom with ensuite bath, two additional bedrooms connected by a Jack-and-Jill bath, a loft and a bonus room, providing plenty of options for work, play or guests. Enjoy outdoor living from the covered front porch or rear deck overlooking the private, fully fenced backyard with a newly installed retaining wall. An oversized, side entry two-car garage provides additional parking and storage and the crawl space is fully encapsulated. Located in the upscale Essex Fells neighborhood with no through traffic and convenient to Stonecrest, Blakeney, I-485, shopping, dining and highly rated schools. Home has undergone structural repairs, including the installation of helical piers and IntelliJacks. Engineering reports, repair documentation and information regarding completed work are available for review.

Listed by Liz Young of RE/MAX Executive

$
$
%
$/month over payments
Federal 30-year interest rate: 7.24% last updated on Oct 29, 2026
* 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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120 Harris Farm Road Mooresville NC 28115

Mooresville, NC120 Harris Farm Road

Price$675,000

Est. Mortgage: $/month

MLS Number CAR4430555

  • Residential
  • Bedrooms 4
  • Bathroom 3
  • Square Feet 2,704
  • Acreage 0.26

Private Backyard Oasis | In-Ground Pool | Waterslide & Diving Board | Outdoor Kitchen | Poolside Entertaining | Expansive Patio | Vaulted Wood Ceilings | Dedicated Home Office | Hardwood Floors 120 Harris Farm Road is anything but ordinary. Thoughtfully transformed inside and out, this Mooresville home pairs distinctive architectural details with an exceptional private outdoor setting designed for everyday living, entertaining and enjoying life at home. Inside, natural light pours through a dramatic wall of windows in the two-story great room, where a gorgeous custom wood ceiling immediately draws your eye. A three-sided fireplace connects the great room and remodeled kitchen, creating warmth and character from every angle. The kitchen features custom cabinetry, granite countertops, tile backsplash, stainless steel appliances, cabinet lighting at the base of the lower cabinets, under and above the upper cabinets, distinctive wood accents and a walk-in pantry, with generous dining space nearby for everything from casual mornings to larger gatherings. The main-level primary suite feels connected to the outdoor setting in a way few homes offer. Double doors open directly to the pool area and a dedicated platform already wired to accommodate a future hot tub. The fully remodeled primary bath features an oversized custom tiled walk-in shower, while an organized closet system adds thoughtful function. Also on the main level, a private office with double doors and a vaulted custom wood ceiling carries the home's architectural character into the workspace. Even the laundry room has been thoughtfully upgraded with a built-in granite counter above the washer and dryer, as well as upper cabinets & hanging area for additional usable workspace. Upstairs are three additional bedrooms, an updated full bath and exceptional storage, including access to an unexpectedly large storage area tucked beyond one of the bedrooms. Another half-flight leads to the bonus/media room, where skylights bring in natural light and an open railing overlooks the foyer below. And then there is the backyard. More accurately, an ENTIRE OUTDOOR LIVING ENVIRONMENT. Behind full privacy vinyl fencing, an approximately 25,000-gallon saltwater pool anchors a setting created for long summer days, quiet evenings and memorable gatherings. The pool house includes a bar, changing room and storage, while a built-in outdoor kitchen makes entertaining effortless. Play shuffleboard, relax poolside or gather beneath the retractable awning covering the outdoor seating and dining area. Extensive hardscape, raised landscape beds and full irrigation, including irrigation to the poolside beds, reflect the thought that went into creating a space that is as functional as it is beautiful. A side-load garage, prominent corner setting and established landscaping complete the property. Located within the Mooresville Graded School District, 120 Harris Farm Road offers something increasingly difficult to duplicate: a beautifully updated home where the interior and exterior have been intentionally designed to live as one. The work has been done. The details exist in abundance. The next owner simply gets to enjoy it. Welcome home!

Listed by Bruce Juengst and Tammi Juengst of Keller Williams Unified

$
$
%
$/month over payments
Federal 30-year interest rate: 7.24% last updated on Oct 29, 2026
* 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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1501 Cox Road Matthews NC 28104

Matthews, NC1501 Cox Road

Price$675,000

Est. Mortgage: $/month

Pending

MLS Number CAR4420013

  • Residential
  • Bedrooms 3
  • Bathroom 3
  • Square Feet 2,810
  • Acreage 2.26

Over 2 acres of level land on a corner lot, with mature trees along the property line for privacy. Brand-new LVP flooring throughout and fresh new paint. The property also includes a large 22' x 48' outbuilding with a 2-car garage and finished workshop. Peaceful location yet with easy access to grocery stores, restaurants, and everyday essentials. Conveniently located just 7 minutes from Waverly Center and 15 minutes from Downtown Matthews.

Listed by Marie Demolein Rossetti and Trent Corbin of Keller Williams South Park

$
$
%
$/month over payments
Federal 30-year interest rate: 7.24% last updated on Oct 29, 2026
* 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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977 Croatoan Drive Rock Hill SC 29730

Rock Hill, SC977 Croatoan Drive

Price$675,000

Est. Mortgage: $/month

MLS Number CAR4434002

  • Residential
  • Bedrooms 4
  • Bathroom 4
  • Square Feet 2,604
  • Acreage 1.03

STUNNING new construction home on a 1 acre lot! ACTIVELY UNDER CONSTRUCTION! When finished in 2027 you will walk into the home onto beautiful REVWOOD flooring throughout! The Open Floorplan offers a wonderful spacious feel between the Great Room, Dining Area, and Kitchen! The Great Room is HUGE and features an oversized Designer Ceiling Fan. Dining Area cannot be missed with that beautiful Designer Chandelier. This Kitchen is breathe-taking with Marsh Wood Cabinetry throughout. Exotic tile backsplash, elegant quartz counter-tops, stainless steel appliances and custom cabinets including the custom pantry sets this home apart! Very cool floorplan with 3 bedrooms on the main floor makes this home very desirable. The floorplan also features a split bedroom plan to add privacy. On one side of this home is the OVER-sized Primary Suite with HUGE Primary Closet. The Luxury Primary bath is something to see with the marsh cabinetry, quartz counter-tops and huge designer tile shower. The other side of the home features bedroom 2 and 3 with another beautiful full bathroom to share. Upstairs features a HUGE (536 sqft) Bed/Bonus Room over the over-sized Garage. This area also has it own full bathroom with tub/shower combo. The Garage is tremendous at 558 SQFT. You could easily add a small workshop down one side. Once Builder completes the selections for this property we will update this listing. The Photos are just representation purposes only.

Listed by Cherie Burris of RE/MAX Executive

$
$
%
$/month over payments
Federal 30-year interest rate: 7.24% last updated on Oct 29, 2026
* 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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1001 Croatoan Drive Rock Hill SC 29730

Rock Hill, SC1001 Croatoan Drive

Price$675,000

Est. Mortgage: $/month

MLS Number CAR4434032

  • Residential
  • Bedrooms 4
  • Bathroom 4
  • Square Feet 2,604
  • Acreage 2.04

Stunning NEW construction home on a 1 acre lot! (In Foundation Stage 10-13-26) UNDER CONSTRUCTION, photos are a representation. When completed in 2027 you will walk into the home onto beautiful REVWOOD flooring throughout! The Open Floorplan offers a wonderful spacious feel between the Great Room, Dining Area, and Kitchen! The Great Room is HUGE and features an oversized Designer Ceiling Fan. Dining Area cannot be missed with that beautiful Designer Chandelier. This Kitchen is breathe-taking with Marsh Wood Cabinetry throughout. Exotic tile backsplash, elegant quartz counter-tops, stainless steel appliances and custom cabinets including the custom pantry sets this home apart! Very cool floorplan with 3 bedrooms on the main floor makes this home very desirable. The floorplan also features a split bedroom plan to add privacy. On one side of this home is the OVER-sized Primary Suite with HUGE Primary Closet. The Luxury Primary bath is something to see with the marsh cabinetry, quartz counter-tops and huge designer tile shower. The other side of the home features bedroom 2 and 3 with another beautiful full bathroom to share. Upstairs features a HUGE (536 sqft) Bed/Bonus Room over the over-sized Garage. This area also has it own full bathroom with tub/shower combo. The Garage is tremendous at 558 SQFT. You could easily add a small workshop down one side. Once Builder Selections are completed we will add this to the listing. Completion Date Depends on Weather but the Builder is shooting for sometime Mid-January 2027.

Listed by Cherie Burris of RE/MAX Executive

$
$
%
$/month over payments
Federal 30-year interest rate: 7.24% last updated on Oct 29, 2026
* 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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106 Spinnaker Bay Lane Lake Wylie SC 29710
Active With Contract

MLS Number CAR4431298

  • Residential
  • Bedrooms 4
  • Bathroom 3
  • Square Feet 2,983
  • Acreage 1.07

Hitch up the boat and move right in! This exceptional full-brick residence offers the rare combination of refined architectural detail, generous living spaces, and the freedom to truly enjoy the outdoors with the Lake Wylie lifestyle you've been waiting for. Set on 1.07 private acres in one of Lake Wylie's most sought-after neighborhoods, this 4-bedroom home with an expansive 3-car garage delivers space, privacy, and room to make it your own. From the moment you arrive, the home's classic full-brick exterior, and impressive scale set the tone. Discover solid hardwood floors, brand-new carpet, gorgeous moldings, and distinctive architectural details create an elevated yet welcoming atmosphere. Designed for both everyday living and unforgettable entertaining, the main level offers an exceptional sense of space and flow. The thoughtfully designed floor plan offers a room for every need, including a dedicated office, elegant dining room with soaring vaulted ceiling provides a sophisticated setting for special occasions, while the inviting breakfast room offers a more casual place to enjoy your morning coffee while taking in peaceful views of the outdoors. The spacious main-level primary suite is a private retreat, featuring a double-tray ceiling and a spa-like ensuite complete with a custom glass shower and freestanding soaking tub. And there's no need to compromise on storage-the custom closet system provides exceptional organization and ample space. At the heart of the home, the kitchen is made for gathering, with abundant cabinetry, exceptional storage, and generous counter space that makes entertaining feel effortless. Whether hosting a crowd or enjoying a quiet morning, this home offers the space and functionality to accommodate it all. Just beyond, the stunning two-story great room makes a statement with its dramatic architectural details and inviting gas-log fireplace-the perfect place to gather, relax, and unwind. Upstairs, three generously sized bedrooms provide plenty of room for, guests, hobbies, home gym, or an entertainment room. Step outside and discover what may become your favorite room of all. The expansive covered and screened porch overlooks the private, natural setting, where peaceful views and visiting wildlife create a sense of escape rarely found this close to everyday conveniences. Imagine lingering over morning coffee, hosting summer dinners, or unwinding with glass of wine at sunset as the day fades away. And the possibilities continue. With over an acre of private land, there is plenty of room to create your own outdoor oasis-including the potential for a private pool. and settle into something increasingly rare: a home offering space, privacy, timeless quality, and the unmistakable feeling of Lake Wylie living at its best. This is more than a home-it's a lifestyle waiting to be lived. You truly must experience this home in person. Come see why properties of this caliber so rarely become available.

Listed by Lauren Eason of Gold House Properties LLC

$
$
%
$/month over payments
Federal 30-year interest rate: 7.24% last updated on Oct 29, 2026
* 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 Spicebush Lane Weaverville NC 28787

Weaverville, NC7 Spicebush Lane

Price$675,000

Est. Mortgage: $/month

MLS Number CAR4414124

  • Residential
  • Bedrooms 3
  • Bathroom 3
  • Square Feet 2,026
  • Acreage 1.03

Welcome to 7 Spicebush Lane, a beautifully designed modern home offering refined single-level living in an exceptionally private setting. This 3-bedroom, 2.5-bath residence features high-end finishes throughout, a thoughtfully designed floor plan, and an attached 2-car garage. Clean architectural lines and contemporary details create a sophisticated feel while the peaceful surroundings provide a sense of seclusion rarely found this close to everyday conveniences. Enjoy the best of both worlds with Downtown Weaverville just approximately 8 minutes away, while Lowe's, Walmart, Publix, Ingles, and Aldi are all within about 5 minutes. With modern style, upscale finishes, privacy, and an incredibly convenient location, 7 Spicebush Lane offers an outstanding opportunity to enjoy comfortable mountain living without sacrificing accessibility. A truly rare combination. Virtually staged and virtually enhanced grass.

Listed by Eddie Aliy of Keller Williams Elite Realty

$
$
%
$/month over payments
Federal 30-year interest rate: 7.24% last updated on Oct 29, 2026
* 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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129 Church View Drive Lawndale NC 28090

Lawndale, NC129 Church View Drive

Price$675,000

Est. Mortgage: $/month

MLS Number CAR4431731

  • Residential
  • Bedrooms 2
  • Bathroom 3
  • Square Feet 2,221
  • Acreage 18.47

Beautiful brick home situated on 18.47 acres, offering comfortable living, great outdoor space, and plenty of room to expand. A gravel circle driveway and brick front walk lead to the inviting rocking chair front porch. Step inside to a welcoming foyer and a well designed main level floor plan featuring a living room with a stone wood-burning fireplace, dining area, breakfast area, and kitchen with wood countertops and a large pantry. Appliances remain, including the refrigerator and washer/dryer. The laundry room offers additional cabinetry for convenient storage. The spacious primary suite features a huge walk-in closet and private bath with a tub and separate shower. The second bedroom and additional full bath complete the main level. Replacement windows add to the home's appeal and functionality. The unfinished basement offers tremendous potential for additional living or recreational space and features LVP flooring, a half bath, and a second wood-burning fireplace, wet bar, and storage rooms. With plenty of room to expand, the basement could be finished to suit your needs. Outside, enjoy the covered rocking chair front porch or back deck overlooking the acreage and pond. The property also features fruit trees, an oversized detached double garage, and a separate detached workshop/storage building. With 18.47 acres, a pond, multiple outbuildings, and a basement ready for your vision, this property offers plenty of space and possibilities. Call today to schedule your showing!

Listed by Tracy Whisnant of REMAX Select

$
$
%
$/month over payments
Federal 30-year interest rate: 7.24% last updated on Oct 29, 2026
* 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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2218 Mountain Page Road Saluda NC 28773

Saluda, NC2218 Mountain Page Road

Price$675,000

Est. Mortgage: $/month

MLS Number CAR4431593

  • Residential
  • Bedrooms 3
  • Bathroom 3
  • Square Feet 2,216
  • Acreage 1.4

Tucked away only three miles from charming downtown Saluda, you can find a magical creekside retreat, the Cabin at Little Moon Falls. The custom designed cabin, built in 2016, is filled with vintage reclaimed wood and unique features, that invite relaxation inside and out. Outdoor living is featured as to take advantage of the peaceful sounds of the babbling creek and waterfall just steps from the cabin. This special home has served well as a family retreat and a very successful rental. While the property is offered with the main residence and @ 1.4 acres including a split of the creek for $675,000, there is also an option to purchase an additional @1.0 acre that includes the outbuilding with water wheel and the other half of the creek for $275,000. This second piece will only be sold with the listed parcel, not separately.

Listed by Craig Tribus of Beycome Brokerage Realty LLC

$
$
%
$/month over payments
Federal 30-year interest rate: 7.24% last updated on Oct 29, 2026
* 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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5008 Rosewater Lane Indian Trail NC 28079

Indian Trail, NC5008 Rosewater Lane

Price$675,000

Est. Mortgage: $/month

MLS Number CAR4335449

  • Residential
  • Bedrooms 5
  • Bathroom 5
  • Square Feet 4,473
  • Acreage 0.31

This stunning and rare home offers over 4,000 square feet and is located in the highly sought-after Brandon Oaks community-perfectly designed for both everyday living and unforgettable entertaining. Begin your tour with the upgraded brick front, oversized side-load 2-car garage, and .31-acre lot ideally positioned between two cul-de-sacs. Inside, you'll find a spacious and thoughtfully designed layout filled with natural light and flexibility. The chef's kitchen features granite countertops, stainless steel appliances, a large island with breakfast bar, kitchen desk/office area, huge pantry, and an open breakfast area with beautiful backyard views. The open floor plan flows seamlessly into the large living room with fireplace and accent wall, creating the perfect gathering space. An elegant dining room (or home office) with chair rail molding adds charm and versatility. The main level includes a bedroom with full bathroom, two additional flex rooms, and a half bath, offering endless possibilities for home offices, playrooms, or guest space. Upstairs, the primary suite impresses with double doors, a beautiful ensuite bath, and a huge walk-in closet with bonus attic storage room. Bedrooms 3 and 4 share a Jack-and-Jill bathroom, while a 5th bedroom and additional full bath provide ample space for everyone. The second floor also features a large bonus room. The third floor offers an enormous bonus room-perfect for a media room, gym, game room, or additional living space or create into a studio apartment Step outside to the private, fenced backyard oasis, complete with a beautiful in-ground pool with waterfall feature, expansive patio space for relaxing or entertaining, and a large grassy area beyond the pool-truly the perfect summer retreat. Brandon Oaks offers resort-style amenities including two pools (a large lap pool and a resort-style pool with slide), covered picnic areas, clubhouse, playground, walking trails, lakes, and basketball, volleyball, tennis, and pickleball courts, along with year-round social events. Ideally located near Sun Valley, with convenient access to shopping, dining, and entertainment. This home truly has it all-space, location, lifestyle, and summer-ready fun!

Listed by Mindy Steiger and Nicki Dembek of Cross Keys LLC

$
$
%
$/month over payments
Federal 30-year interest rate: 7.24% last updated on Oct 29, 2026
* 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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