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Mills River NC

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1825 Laveta Road Charlotte NC 28269

Charlotte, NC1825 Laveta Road

Price$730,000

Est. Mortgage: $/month

Pending

MLS Number CAR4380433

  • Residential
  • Bedrooms 5
  • Bathroom 4
  • Square Feet 3,440
  • Acreage 0.3

This Highland Creek home checks the boxes for space, flexibility, upgrades, and lifestyle. Offering 3,440 square feet with 5 bedrooms and 4 full bathrooms, the floor plan includes a main-level bedroom and full bath, a dedicated main-level office, and multiple living areas designed for everyday convenience and entertaining. The kitchen features white cabinetry, granite countertops, a wine cooler, and an open connection to the main living spaces. Upstairs, the primary suite offers a tray ceiling, walk-in closets, soaking tub, and separate shower. One of the bedrooms is currently designed as a spacious home theater, creating a memorable entertainment feature with nearby bathroom access and storage. The outdoor space adds another major highlight. Enjoy a covered composite deck, backyard TV/speaker setup, sprinkler system, retaining wall, and multiple fruit trees, creating an inviting setting for outdoor dining, gatherings, or quiet evenings. Inside, surround sound in the living room and game/media areas adds to the home's entertainment-ready feel. The side-entry 3-car garage with epoxy flooring provides excellent space for vehicles, storage, hobbies, or fitness use. Highland Creek is known for its extensive amenities, including 4 pools, parks/playgrounds, 2 clubhouses, fitness center, tennis/pickleball courts, fishing areas, walking trails, and community events. Nearby public golf and sports club amenities add to the area's appeal. The location offers convenient access to shopping, dining, Concord Mills, and major routes including I-85 and I-485. With its spacious layout, entertainment-ready features, outdoor living, and amenity-rich setting, this home is a strong opportunity in Highland Creek.

Listed by Sachin Verma of EXP Realty LLC

$
$
%
$/month over payments
Federal 30-year interest rate: 6.49% last updated on Jun 25, 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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2825 Harrell Hill Road Bakersville NC 28705

MLS Number CAR4395500

  • Land
  • Acreage 18
  • County Mitchell

Nearly 18 Acres of Mountain Freedom Awaits! The earth isn't expanding, but demand for land surely is - With 17.857 unrestricted acres, Stunning Mountain Vistas and endless possibilities, this property offers the space to create the lifestyle you dream about. Build a homestead, establish gardens and orchards, raise livestock, create a family compound or simply enjoy the privacy and peace of owning your own mountain retreat. No HOA. No restrictions. Just room to breathe, grow and live life on your terms. Roads are constructed thru out the parcel. The top portion has several level build sites. Also includes a 1829 square foot site built home built in 2015, outbuildings, well, spring; Come walk the land and discover why nearly 18 acres of mountain paradise may be the best investment you'll ever make.

Listed by Connie Ray of Foxfire Real Estate,LLC

$
$
%
$/month over payments
Federal 30-year interest rate: 6.49% last updated on Jun 25, 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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522 Iron Horse Lane Midland NC 28107

Midland, NC522 Iron Horse Lane

Price$730,000

Est. Mortgage: $/month

MLS Number CAR4374807

  • Residential
  • Bedrooms 5
  • Bathroom 4
  • Square Feet 4,156
  • Acreage 0.28

Welcome to your stunning 5-BR (plus a bonus room that can be a 6th!), 4-BA Craftsman masterpiece in the highly coveted Cedarvale Farms! Offering 4,156 sq. ft. of luxury living, this home blends high-end architectural detail with incredible versatility-all while enjoying Low Cabarrus County taxes and top-rated Hickory Ridge schools. The main level greets you with an airy open floor plan, heavy crown molding, and a convenient guest suite with a full bath. The chef's kitchen is a true showstopper, featuring granite countertops, tile backsplash, gas double ovens, and a massive center island perfect for entertaining. Recent updates make this home feel like new: Freshly painted interior rooms, brand-new carpeting in secondary bedrooms, and those signature site-finished hardwoods flowing throughout the living room, both sets of stairs, upstairs hallway, bonus room, and the entire primary suite (including the closet!). The 2nd-floor primary retreat is a sanctuary of its own, boasting a tray ceiling and a spa-like bath with a garden tub and dual granite vanities. The Standout Feature: A fully finished 1005 sq. ft. walk-out basement apartment! Ideal for an in-law suite or young adults, it features a full kitchen (all appliances convey), living/dining areas, a full bath, a bedroom, and ample unfinished storage. Outdoor Living at its Finest: Relax on the rocking chair front porch or head to the back deck, where stairs lead down to a beautiful flagstone hardscape. The nice-sized, fenced backyard backs to mature trees, providing exceptional privacy. Community & Location: Cedarvale Farms is more than a neighborhood; it's a lifestyle! Enjoy the active social committee, a sparkling community pool (now open!), a peaceful fishing pond, tot lots, and a picnic area. You are just minutes from the new Publix, I-485, and the best dining/shopping in Mint Hill, Harrisburg, and Concord. With an over-sized garage and every upgrade imaginable, this is the one you've been waiting for!

Listed by Erica Blazer of Keller Williams Ballantyne Area

$
$
%
$/month over payments
Federal 30-year interest rate: 6.49% last updated on Jun 25, 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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3934 Zinnia Drive Harrisburg NC 28075

Harrisburg, NC3934 Zinnia Drive

Price$730,000

Est. Mortgage: $/month

MLS Number CAR4367243

  • Residential
  • Bedrooms 5
  • Bathroom 4
  • Square Feet 3,444
  • Acreage 0.21

Welcome to this stunning 5-bedroom, 4 full-bath home, thoughtfully designed with elegance, comfort, and functionality in mind! Beautiful light oak engineered hardwood flooring flows throughout the main level, while abundant natural light fills every corner of the home. A bright and inviting foyer warmly welcomes you inside, setting the tone for the stylish finishes throughout. The gourmet kitchen is a true showstopper, featuring crisp white cabinetry, soft-close drawers and cabinets, and sleek matte black plumbing fixtures. Seamlessly open to the living room, this space is perfect for entertaining and everyday living, complete with a cozy gas fireplace and custom built-ins that add both charm and sophistication. Enjoy hosting in the spacious dining room, accented with elegant wainscoting and easy access to the covered patio-ideal for outdoor dining and entertaining year-round. The main level also offers a convenient bedroom and full bath, perfect for guests or multi-generational living. Oak tread stairs lead you upstairs, where you'll find four additional bedrooms, three full bathrooms, and a huge media room outfitted with built-in speakers for the ultimate movie night experience. Zoned for sought after Cabarrus county schools. This beautiful home offers exceptional value and will not last long. Come fall in love with this beauty and schedule your showing today!

Listed by Kirti Sobti of NorthGroup Real Estate LLC

$
$
%
$/month over payments
Federal 30-year interest rate: 6.49% last updated on Jun 25, 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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813 Walnut Avenue Charlotte NC 28208

Charlotte, NC813 Walnut Avenue

Price$730,000

Est. Mortgage: $/month

MLS Number CAR4371546

  • Residential
  • Bedrooms 1
  • Bathroom 1
  • Square Feet 923
  • Acreage 0.26

813 Walnut Avenue offers a rare opportunity to experience the best of Wesley Heights living with privacy, flexibility, and walkability all in one. Tucked beneath mature trees on an oversized deep lot, the property feels peaceful and secluded while still being just steps from local restaurants, breweries, coffee shops, parks, greenways, and The Iron District. Uptown Charlotte, Bank of America Stadium, and the energy of the city are only minutes away, creating a lifestyle that seamlessly blends neighborhood charm with urban convenience. The existing residence combines modern comfort with a loft-inspired aesthetic, featuring vaulted ceilings with exposed beams and industrial-style ductwork, warm hardwood floors, custom built-ins, and abundant natural light throughout. The open-concept living and kitchen spaces are designed for both entertaining and everyday living, complete with expansive cabinetry, quartz countertops, a gas cooktop island, and seamless access to covered outdoor spaces that extend the living experience outside. The oversized primary suite offers exceptional flexibility with room for a sitting area, office, or creative studio, while the gated lot and expansive yard provide space and privacy rarely found this close to Uptown. Whether enjoying a quiet evening outdoors, entertaining friends before a game, or walking to dinner in the neighborhood, the home is designed around both comfort and connection. What truly makes this property unique is the opportunity it creates for the future owner. The lot configuration allows for the potential to build a new primary residence at the front of the property while maintaining the existing home as an ADU, guest house, private office, studio, or income-producing opportunity. Few properties this close to Uptown offer this level of flexibility and long-term potential. The pricing reflects the unique development opportunity and possibilities the site presents. Conceptual development studies thoughtfully designed by Ateliers Farsiani are available, showcasing the incredible future potential of the property.

Listed by Helen Honeycutt of RE/MAX Executive

$
$
%
$/month over payments
Federal 30-year interest rate: 6.49% last updated on Jun 25, 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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117 Tarnhill Drive Flat Rock NC 28731

Flat Rock, NC117 Tarnhill Drive

Price$730,000

Est. Mortgage: $/month

MLS Number CAR4395598

  • Residential
  • Bedrooms 2
  • Bathroom 2
  • Square Feet 2,154
  • Acreage 0.8

Rare Find in Kenmure! One level home situated on 0.8 acres offering the utmost in privacy and short range mountain views. Level entry and mostly level lot. This charming home features an open floor and split bedroom plan with 2 master suites. Vaulted ceilings and expansive windows flood the open-concept living space with light, while a stone fireplace exudes warmth and charm. Great room boasts cathedral ceiling with skylights, floor to ceiling river - rock stone gas fireplace, built-in bookcases and wall of sliders leading to deck. The den offers built-in's and bay window area. Gourmet kitchen with stone countertops and stainless steel appliances, gas range and hardwood floors is a culinary delight. Relax on the covered deck overlooking the lush landscape + mountain views or unwind in the luxurious master suite with a spa-like ensuite bath. Main master suite has walk-in closet, double vanity, whirlpool and walk-in tiled shower. The add'l master has tub/shower combo. Spacious laundry room. New natural gas generator installed this past Winter. Enjoy the outdoor living on the expansive covered or open deck. This home is ideal for downsizing or 2nd home. Pet friendly yard and close to entry gate. This home is being sold fully furnished. Buyer to receive a 50% reduction in Kenmure club initiation fee. Whether you like to play golf, swim, work out, or just hang out with other people - this Kenmure community has it ALL! Welcome to your sanctuary in the mountains.

Listed by Mark Ebert and Art Redden of Kenmure 12 Broker LLC

$
$
%
$/month over payments
Federal 30-year interest rate: 6.49% last updated on Jun 25, 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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8108 Penman Springs Drive Waxhaw NC 28173

Waxhaw, NC8108 Penman Springs Drive

Price$730,000

Est. Mortgage: $/month

MLS Number CAR4398921

  • Residential
  • Bedrooms 4
  • Bathroom 3
  • Square Feet 3,405
  • Acreage 0.27

Welcome to 8108 Penman Springs Drive, nestled in the heart of Waxhaw, where comfort, space, and style come together beautifully. This thoughtfully designed 4-bedroom, 3-bathroom home offers the perfect blend of modern convenience and timeless charm. Step inside to a bright, open-concept floor plan that's ideal for everyday living and effortless entertaining. The main level is filled with natural light and features spacious living and dining areas, a beautifully appointed kitchen with abundant cabinetry and generous counter space, and seamless flow into the great room. A spacious main-floor bedroom with an adjoining full bathroom provides the perfect private retreat for overnight guests, extended family, or a home office. Upstairs, the luxurious primary suite offers a peaceful escape with a spa-inspired ensuite bath and a generous walk-in closet. Two additional spacious bedrooms, a full bathroom, an oversized bonus room, and a conveniently located upstairs laundry room complete the second level. The versatile bonus room offers endless possibilities as a media room, playroom, home gym, or even a fifth bedroom. Step outside to your own private oasis. The 14' x 14' screened-in deck, complete with a ceiling fan and privacy shade, creates the perfect space to relax with your morning coffee or entertain friends throughout the year. Beyond the deck, the backyard showcases lush, serene landscaping that provides both beauty and privacy, creating a peaceful setting to enjoy every season. Adding even more peace of mind, the home features a new roof installed in 2020 and a water heater replaced in 2022, providing important updates that today's buyers will appreciate. Whether you're hosting family gatherings or enjoying a quiet evening at home, this home offers the space, flexibility, and thoughtful design to complement any lifestyle. Located in the highly desirable Providence Grove community, you'll enjoy tranquil surroundings with convenient access to shopping, dining, and the award-winning Marvin Ridge school district. Don't miss this opportunity to make this exceptional Waxhaw home your own.

Listed by Sherry McNitt McCoy of EXP Realty LLC Ballantyne

$
$
%
$/month over payments
Federal 30-year interest rate: 6.49% last updated on Jun 25, 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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1014 Stone Marker Drive Monroe NC 28112

Monroe, NC1014 Stone Marker Drive

Price$729,999

Est. Mortgage: $/month

MLS Number CAR4328576

  • Residential
  • Bedrooms 5
  • Bathroom 4
  • Square Feet 3,153
  • Acreage 0.4

Stunning, never-lived-in former model home in Stonebridge Fairways-perfectly positioned on the 10th fairway with long-range golf course and pond views, just steps from the clubhouse. Flexible floor plan lives like a 6-bedroom home with a full main-level guest suite, a private dedicated office, and an oversized bonus room ideal as a 6th bedroom. Nearly 3,200 sq ft of designer-selected living space. The showstopping kitchen features an expansive waterfall Calacatta Laza quartz island, wall ovens, 5-burner gas cooktop, chimney hood, premium white cabinetry, subway tile backsplash, and statement pendant lighting. The kitchen opens seamlessly to a sun-filled great room with shiplap fireplace and a wall of windows overlooking the fairway-perfect for entertaining. Upstairs, the vaulted primary suite offers abundant natural light and a spa-inspired bath with upgraded tile flooring, oversized glass shower with dual showerheads, black fixtures, and White Frost quartz countertops. Three additional bedrooms, multiple secondary baths, and the large bonus room provide exceptional flexibility for guests, recreation, or additional sleeping space. Outdoor living shines with a screened porch capturing sweeping golf course views, plus an extended paver patio and built-in fire pit on a generous .40-acre lot. A functional mud area with shiplap, hooks, and bench adds everyday convenience, while the rare 3-car garage offers space for a golf cart or workshop. Additional features include LVP flooring throughout main living areas, black hardware, extensive trim work, integrated audio, smart-home panel, security system, and in-ground irrigation. Enjoy the Stonebridge lifestyle with access to golf, pool, tennis, and pickleball (membership options available). Minutes to Mineral Springs and Waxhaw. A truly move-in-ready, model-quality home with premium upgrades and exceptional views.

Listed by Jenn Weldon of Carolina Homes Connection,LLC

$
$
%
$/month over payments
Federal 30-year interest rate: 6.49% last updated on Jun 25, 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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685 Birchway Drive Fort Mill SC 29715

Fort Mill, SC685 Birchway Drive

Price$729,990

Est. Mortgage: $/month

MLS Number CAR4356947

  • Residential
  • Bedrooms 2
  • Bathroom 2
  • Square Feet 2,156
  • Acreage 0.15

Welcome home . . . Martin Ray model is the favorite of the Expedition Series. This pristine 1 level home offers numerous upgrades. Vinyl plank & tile flooring - no carpet. Open concept living, great for indoor/outdoor entertaining. Upgraded Kitchen, KitchenAid ss appliances, gas cooktop, double ovens, refrigerator inc, large island w/seating, pendant lights. Upgraded light fixtures. Great Rm w/stone fireplace w/raised hearth. Sunrm leads to screened porch, Primary BR w/tray ceiling. Primary Bath w/soaking tub, tile shower, custom walk-in closet. Laundry Rm w/sink, cabinets, washer/dryer inc. Drop Zone leads to 2 car+tandem, Garage w/epoxy floor, 3 4x8 overhead storage bins, Lawn maintenance included. Ring alarm equipment includes 5 cameras, 7 motion sensors, 4 door sensors. Tons of amenities--indoor/outdoor pools & hot tubs, 8 lit pickleball cts, 4 lit tennis cts, 2 bocce cts, dog park, playground, fitness center, full time activities director. Come join us in the Orchards. It' a great place to call home.

Listed by Caroline DeLuise of Southern Nest Realty Inc

$
$
%
$/month over payments
Federal 30-year interest rate: 6.49% last updated on Jun 25, 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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8375 Ashvale Street NW Concord NC 28027

Concord, NC8375 Ashvale Street NW

Price$729,990

Est. Mortgage: $/month

Pending

MLS Number CAR4386125

  • Residential
  • Bedrooms 5
  • Bathroom 5
  • Square Feet 3,536
  • Acreage 0.26

Welcome to The Sonoma located in the highly sought after community of Annsborough Park. Walking in from the front covered porch, you are greeted with a warm and inviting 2 story foyer. Just off of the foyer is a formal dining room with a tray ceiling and 38" wainscotting. The home opens up to your main living space, finished with crown molding and easily maintainable EVP flooring. The kitchen is a chefs dream, with stainless steel appliances, a gas cooktop with an overhead hood and a kitchen island, complete with a sink. The family room is spacious and cozy with a gas fireplace. Through the French doors is a covered lanai with an additional patio, perfect for entertaining or just enjoying a morning coffee. A main level guest bedroom with a shared full bathroom provides an additional space for guests to have their own privacy. The main level laundry room is completed with a laundry tub. Upstairs you will find a spacious loft that over looks the foyer and is perfect for an extra living space. An additional laundry room is centrally located and allows for easier laundry days. There are 3 additional bedrooms, one with its own private bathroom and another shared bathroom. Walking through the double doors you'll find the Owner's suite. With crown molding, LED lighting and plenty of natural lighting, you will feel like royalty. The walk-in closet is expansive and is perfect for any size wardrobe. Finally the en-suite is fit for a spa, with a separate tile decked tub and shower, dual vanity and private toilet area will allow for plenty of space and privacy for everyone to get ready in the mornings. Welcome to your new home!

Listed by Josh Allen and Mike Cummings of M/I Homes

$
$
%
$/month over payments
Federal 30-year interest rate: 6.49% last updated on Jun 25, 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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1345 Timberlane Terrace Mooresville NC 28115
Pending

MLS Number CAR4379799

  • Residential
  • Bedrooms 4
  • Bathroom 4
  • Square Feet 3,516
  • Acreage 1.21

Nestled beside beautiful Bellingham Park on a gorgeous established street, this custom-built all-brick home offers timeless craftsmanship, incredible character, and a setting that is hard to duplicate. Relax on the inviting rocking chair front porch or enjoy the peaceful backyard. A creek runs towards the back of the property and the property line is behind the creek. Some neighbors have added bridges for direct park access. Inside, rich hickory hardwood floors, soaring ceilings, and extensive custom details create a warm yet impressive atmosphere. At the heart of the home is a truly one-of-a-kind gourmet kitchen featuring soapstone countertops, custom cabinetry, a breakfast area, raised bar seating, and a dramatic floor-to-ceiling engineered brick hearth designed by a structural engineer. The hearth surrounds the gas range and includes a custom built-in pizza oven, creating an unforgettable focal point for entertaining and everyday living alike. On the opposite side of the stunning brick centerpiece, the spacious living room showcases a wood-burning fireplace with cast iron door, built into the same floor-to-ceiling brick structure that extends through the basement as an architectural and structural feature. The main level also features a mud room, oversized walk-in laundry room, and a luxurious primary suite complete with dual vanities, two walk-in closets, wet room with soaking tub and walk-in shower. Downstairs, the finished basement offers two additional bedrooms, each with its own full bath, a large secondary living area with exposed brick accents, plus an additional space already stubbed for another bathroom. There is also abundant unfinished square footage perfect for storage, workshop space, home gym, or future expansion. Custom-built with high-performance spray foam insulation and an integrated fresh air circulation system for exceptional comfort and indoor air quality. Outdoor living is just as impressive with a large deck overlooking the backyard. A portion of the lot was identified within a 100 year flood zone prior to construction. During construction, elevation modifications were completed and the home is believed to be outside of the floodplain. Seller is currently obtaining a flood elevation certificate from a surveyor and plans to apply for a letter of map amendment (LOMA) with FEMA. Car enthusiasts, hobbyists, or those needing extra storage will appreciate the rare 4-car garage setup - including a main-level 2-car garage conveniently located off the mud room, plus an additional 2-car garage with single-door entry below with access from a separate driveway running along the side of the home. This is not a cookie-cutter home - it is a thoughtfully designed property filled with warmth, quality, and architectural character in one of the area's most desirable settings. Close to shopping, dining and I-77. Welcome Home.

Listed by Cindy Collins of Keller Williams Unified

$
$
%
$/month over payments
Federal 30-year interest rate: 6.49% last updated on Jun 25, 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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215 Goldenleaf Road Mars Hill NC 28754

Mars Hill, NC215 Goldenleaf Road

Price$729,900

Est. Mortgage: $/month

MLS Number CAR4356364

  • Residential
  • Bedrooms 3
  • Bathroom 4
  • Square Feet 2,761
  • Acreage 0.75

"The Enchanted Cabin" This home is immaculate inside and out. From the moment you walk onto the covered front porch you know this home is special. Sit on Front porch in your rocking chairs and enjoy the sounds of the waterfall. Spacious open floor plan with 3 primary suites. Entry into home will wow you with the soaring cathedral wood ceilings. Wood walls and ceilings throughout home. Skylights and lots of windows makes this home bright and cheery. Massive stone fireplace that is wood burning, updated kitchen with granite counters, newer stainless appliances and a dining area when you choose to eat inside. Large, covered deck to enjoy the cool summers at over 4000ft elevation and the wildlife, great spot to have your morning coffee. Primary suite on main level with office space and access to the deck. Large bath with storage and steam shower, granite counters and tile floor. Upstairs enjoy loft area with pool table that will convey and sleeping /entertaining area. 2nd primary with bath that has granite counter, shower/bath combo and tile floor. Bedroom with vaulted ceilings and plenty of storage area. Lower level enjoys a third primary suite with shower/bath combo, granite counter and tiled floor.in bath. Over-sized laundry room. One car garage and deck space with hot tub (has been drained and not used since 2020). Mostly furnished with list attached of exceptions. Efficient gas furnace that is serviced yearly. New roof 2014, exterior stained 2015, and touched up 09/2025. Village Club Membership to convey at closing. Blue Mountain HOA will be raising the dues in 01/2026 to $195 month. LESS THAN $285 SQFT …This is an amazing cabin in a gated community; high elevation and views will please any buyer looking for quality of life.

Listed by Connie Carver of Wolf Mountain Realty,Inc.

$
$
%
$/month over payments
Federal 30-year interest rate: 6.49% last updated on Jun 25, 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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