Sapphire Valley Luxury Homes

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357 Rock Mountain Road Sapphire NC 28717

Sapphire, NC357 Rock Mountain Road

Price$1,850,000

Est. Mortgage: $/month

Active With Contract

MLS Number 103715

  • Single Family
  • Bathroom 5
  • Bedrooms 4
  • MLS Status In-Due Diligence
  • Modification Date 02/27/2024

Indulge in breathtaking year-round vistas from this elegant Sapphire Valley residence, perfectly poised to capture sweeping panoramas of CCSV golf, Lonesome Valley, and Bald Rock. Discover a distinctive open-concept layout infused with contemporary sophistication, featuring soaring vaulted ceilings, expansive windows, and sprawling iron wood decks that beckon outdoor living. Step into a chef's dream kitchen adorned with premium cabinetry and high-end Dacor appliances, including a 5-burner gas range, dual wall ovens, and a convenient breakfast bar. The main level master suite offers a serene retreat with an adjoining office/lounge area and access to a private covered deck, ideal for relaxation and unwinding. Venture downstairs to find two generously sized bedrooms, each complemented by its own luxurious bathroom, along with a spacious living area/den boasting a wet bar, cozy rock fireplace, and yet another covered deck leading to the terrace level outdoor oasis featuring a charming flagstone fire pit area accented by handcrafted iron railings. With a two-car garage providing ample parking space, entertaining loved ones becomes effortless in this inviting abode. Residents will also enjoy the plethora of amenities offered by the Sapphire Valley Master Association, including tennis courts, indoor/outdoor swimming pools, a fitness center, mini golf, community center access, a ski resort, zip line adventures, Lake Fairfield privileges, and much more. Embrace the epitome of luxury mountain living in this unparalleled retreat.

Listed by Ken Fernandez of ALLEN TATE - SAPPHIRE

$
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$/month over payments
Federal 30-year interest rate: 6.9% last updated on Feb 22, 2024
* 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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61 Carnoustie Drive Sapphire NC 28774

Sapphire, NC61 Carnoustie Drive

Price$1,849,000

Est. Mortgage: $/month

MLS Number 103741

  • Single Family
  • Bathroom 4
  • Bedrooms 5
  • MLS Status Active
  • Modification Date 02/29/2024

Great location, a picturesque setting and excellent condition are three top attributes of this charming home in the heart of Country Club Estates, Sapphire Valley, and this is just the beginning! The oversized lot has beautiful landscaping, flat driveway with ample parking, stone paths, privacy fencing and exterior lighting. A separate two car/one cart garage with workspace has a chic upstairs apartment with a small kitchen, den, full bath and bedroom. Inside the home there are hardwood floors throughout the main level and stairs, vaulted ceilings, stone fireplace with gas logs, and a wet bar with icemaker. The kitchen with herb garden window has KitchenAid stainless appliances, stone backsplash and custom cabinets. The chef has a commanding view of the dining, living and the screened Carolina Room with its own wood burning fireplace and skylights. The two primary bedrooms- one upstairs and one on main level have full bathrooms with dual sinks, jacuzzi tubs and showers. New 22KW generator. This home sits on a quiet little lane and is just steps away from the private Country Club of Sapphire Valley and a gentle rolling walk (or golf cart ride) to the Library, Ski Slopes and Mica's restaurants.

Listed by Beth Townsend of Cashiers Sotheby's International Realty

$
$
%
$/month over payments
Federal 30-year interest rate: 6.9% last updated on Feb 22, 2024
* All Figures are estimates. Check with your bank or proposed mortgage company for actual interest rates.
This product uses the FRED® API but is not endorsed or certified by the Federal Reserve Bank of St. Louis.

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100 Tiger Paw Lane Sapphire NC 28774

Sapphire, NC100 Tiger Paw Lane

Price$1,795,000

Est. Mortgage: $/month

MLS Number 102407

  • Single Family
  • Bathroom 4
  • MLS Status Active
  • Bedrooms 4
  • Modification Date 01/11/2024

This exquisite brand-new construction is in a gated community, The Crest of Sapphire Valley, and offers breathtaking long-range mountain views to the east and west. Spread across two levels, the house features four bedrooms and three-and-a-half bathrooms, with two bedrooms and two-and-a-half bathrooms on the main level. Two bedrooms and one bathroom are on the upper level. The upper-level bedrooms each have huge custom-designed walk-in closets. The upper level also boasts a large loft sitting room with ample space for a den and an office. The main level's open floor plan is perfect for entertaining, with the kitchen, great room, and dining room all open to each other. The stacked stone, propane-burning fireplace goes all the way up to the ceiling, providing a cozy and inviting atmosphere. Three sets of French doors on the main level allow plenty of natural light to flow in, creating a welcoming environment. The generously-sized master bedroom and bath offer large walk-in closets. Custom-designed closets are featured in all of the bedrooms. The master bedroom and a guest bedroom both open onto a back deck overlooking a fire pit below. Beautiful laurel railings adorn the stairs and balcony overlooking the great room, adding to the overall charm of the house. A rocking chair front porch faces east for relaxing morning coffee. Shakes on the front elevation enhance the two-car garage. Other features of this magnificent home include a large laundry room with a laundry sink and cabinets for storage, a paved driveway, and a total of 3,521 square feet of heated living space. This is a wonderful opportunity to own brand-new construction in one of the most sought-after areas of Sapphire Valley, NC. Please see the attached drawings for approximate room sizes. Optimum high-speed internet coming very soon! The installation fee has been paid by the seller. This property comes with access to all Sapphire Valley amenities. See photos for amenities.

Listed by Sherman M Pope of Berkshire Hathaway HomeServices Meadows Mountain Realty - CA

$
$
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$/month over payments
Federal 30-year interest rate: 6.9% last updated on Feb 22, 2024
* 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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610 Sapphire Ridge Road Sapphire NC 28774

Sapphire, NC610 Sapphire Ridge Road

Price$1,795,000

Est. Mortgage: $/month

Active With Contract

MLS Number 103414

  • Single Family
  • Bathroom 4
  • Bedrooms 4
  • MLS Status In-Due Diligence
  • Modification Date 02/18/2024

Nestled in the tranquility of Sapphire Valley in the gated community of Sapphire Ridge, this exquisite meticulously maintained 4-bedroom, 3.5-bathroom home sits on 4.18 acres for the ultimate in privacy. The home embraces modern efficiency equipped with hardy plank siding, spray foam insulation in ceilings and outer walls, an encapsulated crawl space with a dehumidifier, a radon mitigation system, dual fuel HVAC, tankless hot water heater, and a whole house dehumidifier. Inside the home, panoramic views of the majestic mountains greet you through expansive double sliding glass doors. The covered back porch features a wood-burning fireplace with gas starter, perfect for stargazing on crisp evenings. A wood burning, stone faced fireplace (currently has gas logs installed) graces the living room which seamlessly flows into the dining room and a kitchen boasting a full suite of matching KitchenAid appliances and access to the laundry and pantry area. The main level hosts a luxurious primary bedroom, offering dual closets, a spacious sitting area with views for days and an ensuite bathroom. Descend to the lower level and discover three additional bedrooms, two with attached ensuite baths, alongside an inviting family room complemented by a bar area for social gatherings. The residence is also equipped with a Sonos audio system. Outside, discover a haven tailored for comfort & relaxation including a hot & cold-water spigot for washing your furry friends. Don't miss the inviting firepit where you can take in the property's generous size and outdoor entertaining area. Also, the home's heated double garage features a bonus space beneath which extends the possibilities-a hobby room or additional storage, limited only by your imagination. Sapphire Valley amenities are included with ownership.

Listed by Tina Cone and Alan Cone of KELLER WILLIAMS GREAT SMOKIES

$
$
%
$/month over payments
Federal 30-year interest rate: 6.9% last updated on Feb 22, 2024
* 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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26 Flyaway Circle Sapphire NC 28774

Sapphire, NC26 Flyaway Circle

Price$1,625,500

Est. Mortgage: $/month

MLS Number 103725

  • Single Family
  • Bathroom 4
  • Bedrooms 4
  • MLS Status Active
  • Modification Date 02/22/2024

Step into a world of mountain luxury and natural splendor with this extraordinary 2019-built, 2-story mountain retreat. This is where your dreams of comfortable, elegant living amid stunning vistas come to life. Enjoy sweeping panoramic views that encompass the stunning Chimney Top at sunset and the serene Hogback Mountain at sunrise, all from your two levels of covered wrap-around decks. Inside, this custom-crafted home beckons with open-level living, adorned with warm oak and pine hardwood floors throughout. Large windows flood the interior with abundant natural light, framing the awe-inspiring mountain vistas and forging a seamless connection with the great outdoors. The well-appointed kitchen is a culinary enthusiast's delight, featuring a spacious layout, an oversized island, a sitting bar, and an open design that's perfect for entertaining. Every detail in this home exudes sophistication, from the sleek quartz countertops to the indulgent heated bathroom floors in the primary bathroom. An elevator ensures easy accessibility, while dual fireplaces in the living room and on the deck invite you to unwind and cozy up on those cool mountain nights. This remarkable home boasts four spacious bedrooms, three full bathrooms, and one half bath, making it ideal for accommodating family, friends, or guests. Convenience is key, with dual laundry facilities, a lower-level family room, and ample interior storage to cater to your organizational needs. Endless possibilities exist with ample space next to the interior of the garage - whether you dream of a personal gym, an art studio, or the ultimate "he/she cave," it's all within reach. The best part? This exceptional home comes fully furnished, ensuring a smooth transition to your mountain lifestyle. Nestled just minutes away from the Sapphire Valley Master Resort amenities and Fairfield Lake. Schedule your showing today and step into a life of mountain luxury and year-round comfort in this serene escape.

Listed by Bambi Famous Kaine of SILVER CREEK REAL ESTATE GROUP,INC.

$
$
%
$/month over payments
Federal 30-year interest rate: 6.9% last updated on Feb 22, 2024
* 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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510 Boiling Springs Road Sapphire NC 28774

Sapphire, NC510 Boiling Springs Road

Price$1,599,000

Est. Mortgage: $/month

MLS Number 103411

  • Single Family
  • Bathroom 4
  • MLS Status Active
  • Modification Date 02/05/2024
  • Bedrooms 4

This custom designed mountain chic home is located in the private, deed restricted community of Burlingame. Completed in late 2022, this custom, thoughtfully designed home features cathedral ceilings, a massive floor-to-ceiling stone fireplace, chef's kitchen w/ custom cabinetry, top of the line appliances, high-end finishes throughout and year round views of Hogback Mountain. A screened porch, open air deck, and flagstone patio are all accessible from the main level. The home is equipped with a whole house generator + smart home features making it perfect for year-round living or as a vacation getaway. It is available furnished. Enjoy hiking trails, trout fishing, parks, streams, waterfalls, and peaceful mountain living all within the community, while also being centrally located to boutique shopping, restaurants, and boating. Minutes to Gorges State Park, Cashiers, Highlands, Brevard, and Lake Glenville. Country Club membership available at an additional cost but not required to enjoy this prestigious community! A list of recent improvements and furnishings is available upon request.

Listed by Marsha Bricker of LANDMARK REALTY GROUP,LLC - BG

$
$
%
$/month over payments
Federal 30-year interest rate: 6.9% last updated on Feb 22, 2024
* 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 28 Rock Mountain Road Sapphire NC 28774

Sapphire, NCLot 28 Rock Mountain Road

Price$1,599,000

Est. Mortgage: $/month

MLS Number 103375

  • Single Family
  • Bathroom 4
  • Bedrooms 3
  • MLS Status Active
  • Modification Date 02/17/2024

Step into the extraordinary with a future Sapphire Retreat, your exclusive pass to mountain luxury with breathtaking views of Bald Rock. Act now to secure your dream 3-bedroom, 3-bath newly constructed mountain home, a rare gem hidden behind the gates of the Country Club of Sapphire Valley. Tucked away, yet just a golf cart ride from the amenities of Sapphire Valley Resort, a sanctuary with endless outdoor adventures is at your doorstep.The living triangle of the open kitchen, dining, and great room areas seamlessly blends indoor and outdoor spaces, offering you a front-row seat to nature's grandeur. Escape to the owner's suite on the main level, then ascend to the upper level, where you'll discover two spacious en suites designed for comfort and elegance. High-end finishes, brilliant windows, and inviting architecture elevate this home into a masterpiece. But that's not all! Your retreat comes complete with an attached 2-car garage for convenience and security, a practical mudroom welcoming you from the outside world. Enjoy designated dining in a stylish area or cozy up to the fireplace in the great room, creating a warm ambiance that complements the stunning views outside - perfect spots to make memories with loved ones. And here's an exciting opportunity - finish over the walk-out basement for additional living space, adding even more versatility to this already exceptional home. Choose from our meticulously designed spec home or seize the opportunity to customize your dream mountain escape. With exterior finishes featuring stacked stone, cedar shakes, and hardy plank, your new home will not only stand as a testament to quality but also as a beacon of sophistication in this coveted community. Construction plans are in full swing! Embrace the unique, savor the rare, and live on the plateau where dreams meet reality. The mountain is calling - will you answer?

Listed by Bambi Famous Kaine of SILVER CREEK REAL ESTATE GROUP,INC.

$
$
%
$/month over payments
Federal 30-year interest rate: 6.9% last updated on Feb 22, 2024
* 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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193 Birdnest Road Sapphire NC 28774

Sapphire, NC193 Birdnest Road

Price$1,399,000

Est. Mortgage: $/month

MLS Number 103698

  • Single Family
  • Bathroom 4
  • Bedrooms 5
  • MLS Status Active
  • Modification Date 02/20/2024

With breathtaking long-range mountain views at a refreshing elevation of 3600 feet, this exquisitely crafted residence features authentic touches such as real wood floors and knotty pine ceilings embellishing the main living space. The main level is a beautiful open floor plan that hosts the primary bedroom suite with a walk-in shower and double bowl vanities, complemented by a large stone gas fireplace. The spacious kitchen includes a large walk-in pantry and large island, plus a dining area, including an oversized laundry room with sink and guest bath. The lower level boasts a family room with a kitchenette & wet bar, gas fireplace, 4 guest bedrooms, and a versatile room currently used as the 5th bedroom which could also be used for an office or playroom. Two covered rear decks provide a delightful space to relish the cool mountain air, while a front porch adds to the charm. The top deck features a gas firepit and hardwired gas grill. Steps from the lower level lead down to the yard. Recent updates include a new HVAC unit with UV protection system, an extra-large capacity Samsung washer and dryer, and a refrigerator in 2019; a high-end Bose dishwasher in 2021; and a new roof in 2022. Heavy-duty insulated windows and doors provide added efficiency. The subdivision ensures convenience with underground utilities, fiber internet, and ample opportunities for leisurely strolls. Located just minutes from a variety of both gourmet and family-style restaurants & boutique shops. The seller enjoyed this home during the peak season but also rented it out on occasion. With plenty of sleeping space, it carries great rental potential! Sapphire Valley offers a plethora of experiences such as tennis, pickleball, heated swimming pools, skiing, snow tubing, fitness center, playground, Lake Fairfield access & more.

Listed by Cassie Neal of SILVER CREEK REAL ESTATE GROUP,INC.

$
$
%
$/month over payments
Federal 30-year interest rate: 6.9% last updated on Feb 22, 2024
* 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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50 Heather View Lane Sapphire NC 28774

Sapphire, NC50 Heather View Lane

Price$1,275,000

Est. Mortgage: $/month

MLS Number 103731

  • Single Family
  • Bathroom 6
  • Bedrooms 4
  • MLS Status Active
  • Modification Date 02/20/2024

Discover the allure of this masterfully crafted home nestled amidst the captivating Blue Ridge Mountains, offering enchanting sunrise and sunset vistas. Italian tiles and old-world charm adorn the interior, complemented by heart-of-pine floors, trim, and crown molding, exuding elegance and character throughout. This versatile property is an ideal escape for anyone even those seeking vacation rentals, featuring a separate and well-appointed apartment for in-laws, nannies, or remote office space with high-speed internet. Privacy and tranquility abound, accentuated by a gracious open floor plan, leading to an expansive 100-foot deck and screened-in porch, framing the majestic mountain views. The great room boasts a floor-to-ceiling stone fireplace, now fitted with a gas-ventless liner, copper-lined log nook, and vaulted ceilings, creating a nostalgic ambiance.A gourmet eat-in kitchen delights chefs with high-end features and a gas stove with a pot filler. An open-aired pantry, mudroom, and pet area enhance functionality. The luxurious primary bath showcases Italian tiles, heated floors, a steam shower, and jetted air tub, all overlooking nature's beauty.Upstairs, two guest en-suites with walk-in closets and mountain views await, accompanied by a relaxing loft. A Tuscan-style wine tasting cellar, detached garage, carport, and workshop epitomize mountain-style living.The carefully curated landscape features laurels, white pines, and indigenous plants, ensuring year-round beauty and privacy. Embrace outdoor adventures in this mountain retreat, where spectacular views, Italian tiles, and old-world charm converge in a remarkable home. Don't miss this rare chance to own a piece of mountain paradise with the convenience of nearby amenities and an easy commute to Asheville airport. Make this remarkable home yours and embark on a journey of endless beauty, relaxation, and cherished memories.

Listed by Bambi Famous Kaine of SILVER CREEK REAL ESTATE GROUP,INC.

$
$
%
$/month over payments
Federal 30-year interest rate: 6.9% last updated on Feb 22, 2024
* 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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278 Golf View Road Sapphire NC 28774

Sapphire, NC278 Golf View Road

Price$1,249,500

Est. Mortgage: $/month

MLS Number 103657

  • Single Family
  • Bathroom 5
  • Bedrooms 4
  • MLS Status Active
  • Modification Date 02/05/2024

Nestled within the esteemed Golf Club Estates community, "Sky High" awaits your discovery - an enchanting residence offering unparalleled views of Sapphire Valley and the Blue Ridge Mountains. With four bedrooms, three full and two half-bathrooms, this home effortlessly accommodates both family and guests. Step into the inviting living room, where a wood-burning stone fireplace, gleaming acacia hardwood floors, and ambient lighting set the stage. Gaze through the windows where panoramic mountain vistas unfold, creating a mesmerizing backdrop. The main floor owner's suite is a luxurious retreat with an adjoining “man cave” and an expansive walk-in closet. The updated kitchen, equipped with new stainless steel appliances and beautiful granite countertops, includes a separate entrance with a grilling deck for simplified mountain living. Lovingly maintained, this residence is a haven for garden enthusiasts, offering opportunities to create your oasis amidst serene surroundings. Recent upgrades on the lower level showcase engineered flooring, modern bathroom fixtures, and freshly painted walls. This space, with three bedrooms, two full bathrooms, a den, and a convenient laundry room and private entrance, is perfect for relaxation and entertainment. The expansive open deck and covered porch offer ideal spots to revel in nature's beauty. Pet owners will appreciate the Invisible Fence and doggy door in the laundry room. A double shed at the porte-cochere ensures secure storage for outdoor necessities. Enjoy alluring amenities with an optional membership in the Sapphire Valley Master Association, just a golf cart ride away. way. Please note that membership in the Country Club of Sapphire Valley is by invitation only. Motivated Sellers warmly invite you to transform this mountain retreat into your own. Your journey to "Sky High," where every moment is a celebration of mountain living at its finest, begins now.

Listed by Bambi Famous Kaine of SILVER CREEK REAL ESTATE GROUP,INC.

$
$
%
$/month over payments
Federal 30-year interest rate: 6.9% last updated on Feb 22, 2024
* 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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22 Whisper River Court Sapphire NC 28774

Sapphire, NC22 Whisper River Court

Price$1,100,000

Est. Mortgage: $/month

MLS Number 103556

  • Single Family
  • Water Body Name Whisper Lake
  • Bedrooms 3
  • Bathroom 4
  • MLS Status Active

Rustic Log home with all the comforts! With a unique floor plan, this is not your typical log home. The home is set back from the road, giving maximum privacy. Upon entering, you see a dramatic floor-to-ceiling great room and stacked stone fireplace surrounded by plenty of sitting room. It features a remodeled kitchen with new counters and appliances. The main floor primary suite features an upgraded and remodeled bath. Then there's the newly added screened porch with an EZ-Breeze Window/Screen package and, of course, a cozy firepit. You'll use it all seasons! To complete the living space on the main level, there's a private office/den with a custom-designed Murphy Bed. Upstairs features a loft office/den plus an unfinished space that can be converted into a craft area or use your imagination! The lower level features two bedrooms and baths plus an ample-sized family room with private access from its own lower-level parking area. For the woodworking enthusiast, there's a 669-square-foot workshop. Topping it all off is the landscaping with a substantial water feature just off the back of the house. Within very close proximity to Whisper Lake, which is available only to Whisper Lake property owners. Paddle boat, swim, or kayak from the Property Owners Association dock.

Listed by Marsha Bricker of LANDMARK REALTY GROUP,LLC - BG

$
$
%
$/month over payments
Federal 30-year interest rate: 6.9% last updated on Feb 22, 2024
* 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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251 Golf View Road Sapphire NC 28774

Sapphire, NC251 Golf View Road

Price$1,098,000

Est. Mortgage: $/month

MLS Number 103297

  • Single Family
  • Modification Date 02/04/2024
  • Bathroom 5
  • MLS Status Active
  • Bedrooms 4

Nestled amidst the breathtaking beauty of the Blue Ridge Mountains, this freshly updated traditional home offers a lifestyle beyond compare. Wake up to stunning sunrises with awe-inspiring views of Hogback Mountain, then spend your days enjoying the essence of living behind the gates of the Country Club of Sapphire Valley. The newest addition of the main level owner's ensuite steals the show with its loft and brilliant floor-to-ceiling windows that frame the mountains like a work of art. The walk-in California closet provides an abundance of storage, and the soothing soaking tub creates a spa-like retreat. The open-living floor plan embraces you with a stone-front wood-burning fireplace, and a free-standing Vermont-style stove adds warmth and character to the living and dining areas. The kitchen, a chef's delight, boasts additional space for a large pantry, and an adjacent laundry room for your convenience. The lower level has been transformed with modern touches, such as a sleek epoxied floor in the bonus room and an additional bathroom. The primary and lower-level bathrooms have been tastefully revamped with large tiles, giving them a fresh and contemporary feel. The current owners have updated to a 4-bedroom septic system and installed Vyve fiber internet. Expansive decking on both the lower and primary levels beckons you to immerse yourself in the surrounding landscape. The property offers over 2.34 acres of land, including a fenced dog run and a glass-enclosed shed. As you approach the home, you'll find a newly constructed two-car carport with a covered breezeway leading to the covered front porch, adding both style and convenience to your home. Golf enthusiasts will enjoy scenic drives in your golf cart to the Sapphire Valley Resort amenities or the area's many restaurants. This property extends an invitation to immerse yourself in the serene and luxurious lifestyle of the Plateau. Your mountain adventure awaits!

Listed by Bambi Famous Kaine of SILVER CREEK REAL ESTATE GROUP,INC.

$
$
%
$/month over payments
Federal 30-year interest rate: 6.9% last updated on Feb 22, 2024
* 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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