Biddeford ME Real Estate

Below you will find real estate for sale in Biddeford, ME. Contact Williams Realty Partners today to schedule a showing or to speak to an agent. 

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Biddeford is a charming city in York County, Maine. Home to just over 22,000 residents, Biddeford serves as the cultural and commercial hub for all of York County. The city is popular amongst students, young professionals, and families alike -- the town also includes popular resort communities, Biddeford Pool and Fortunes Rocks. 

1 Sea Spray Drive Biddeford ME 04005

Biddeford, ME1 Sea Spray Drive

Price$3,750,000

Est. Mortgage: $/month

MLS Number 1558903

  • Residential
  • Bedrooms 4
  • Bathroom 4
  • Square Feet 3,390
  • Acreage 0.66

Seldom does an opportunity of this significance become available to have deeded private access and ownership of your sandy beach leading to 230 feet of waterfront. Imagine being able to see from every window the captivating water views from all points of the property. Sea Spray beckons with its unparalleled position on a dramatic southeast facing point of land where it resides as the sentry to Hoyt's Neck in Granite Point. This luxurious seaside escape is a most remarkable property. Its honest beauty is quite simply breathtaking! Privacy-yes! Picturesque-Yes! Quintessential Seaside Maine-Yes! This home is uniquely protected by Horseshoe Cove and New Barn Cove which bookend the property. Be inspired by the ever- changing ocean sights and sounds. Be mesmerized by incredible sunsets and sunrises. Begin your day being gently awakened by the sound of the shorebirds and ocean waves. The spacious open concept first level has all the required elements for entertaining. Enjoy cooking in the ergonomic kitchen with direct access to the large brick patio, lush grounds, and your private sandy beach. Kick back in the octagonal sunroom with vaulted wooden ceiling where family and guests can gather. Unwind and recharge after enjoying a day on the beach in the large Primary suite with wood burning fireplace. The finished lower level is a bonus with extra sleeping quarters for the overflow of guests. Bold water views and bright sunlight are captured by expansive windows throughout this seaside estate. Look forward to days of the effortless relaxation you have been seeking with Maine's Coastal Lifestyle. Nothing complicated here...private sandy beach, amazing sweeping views from cove to the Atlantic, breathe the ocean air, relax, rejuvenate, fall in love with Maine. 1 Sea Spray checks all the boxes as an ideal primary home, luxury retreat, or income property with its proven strong rental history.

Listed by Legacy Properties Sotheby's International Realty

$
$
%
$/month over payments
Federal 30-year interest rate: 6.71% last updated on Jun 8, 2023
* 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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4 Brackett Point Road Biddeford ME 04005

Biddeford, ME4 Brackett Point Road

Price$3,500,000

Est. Mortgage: $/month

MLS Number 1556371

  • Residential
  • Bedrooms 4
  • Bathroom 6
  • Square Feet 3,675
  • Acreage 0.69

Bold oceanfront coastal retreat is ready to welcome you this Summer. Add all of the ingredients such as 120 feet of pristine Atlantic frontage, open ocean views, a sparkling in-ground pool and you will have the makings of many seasons of joyful Maine living. Launch your canoe or kayak for a quick paddle to Goose Rocks Beach. 4 Bedrooms await you in a unique layout that ensures privacy for owners and guests. Amazing sunsets. Perfection has an address. 4 Brackett Point is it.

Listed by Legacy Properties Sotheby's International Realty

$
$
%
$/month over payments
Federal 30-year interest rate: 6.71% last updated on Jun 8, 2023
* 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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45 Lester B. Orcutt Boulevard Biddeford ME 04006

MLS Number 1560004

  • Residential
  • Bedrooms 3
  • Bathroom 4
  • Square Feet 2,647
  • Acreage 0.25

Custom built in 2021, this perfect Biddeford Pool home on the ninth fairway has stunning sunset views of Saco Bay and Stage Island, and all that you need in a perfectly put together 2372 sf package. The home features hardwood floors, moulded wood paneling, high efficiency ducted heat pumps for heat, AC, and hot water, gas fireplace, ensuite first floor primary, plus two bedrooms with ensuite baths, and a gorgeous sitting room on the second floor. There is also a finished garage, partially finished full basement, and a large unfinished attic area. Outside, you will never want to leave the wonderfully landscaped English style garden with terrace overlooking the golf course and bay. This is a very special turnkey home.

Listed by OceanView Properties,Inc.

$
$
%
$/month over payments
Federal 30-year interest rate: 6.71% last updated on Jun 8, 2023
* 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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1 Street Martins Lane Biddeford ME 04006

Biddeford, ME1 Street Martins Lane

Price$2,950,000

Est. Mortgage: $/month

MLS Number 1517547

  • Land
  • Acreage 0.62
  • Subdivision Biddeford Pool

BIDDEFORD POOL--Last opportunity to build your own custom home/compound along the fairways of the private Abenakee Golf Club. The lot offers 185' of frontage on the ninth fairway with expansive views of the mooring field in the outer harbor, Stage Island, Saco Bay and, on a clear day, Mt. Washington and the Presidential Range. Located just a short walk from the center of the village with a general store, restaurant, post office and private yacht club, this is what you imagine life in coastal Maine to be! All this charm and located just 35 minutes from the Portland Jetport. Seller has plans available and the lot is ready for construction. One St Martin's Lane is a golden opportunity in Biddeford Pool's premier neighborhood!

Listed by OceanView Properties,Inc.

$
$
%
$/month over payments
Federal 30-year interest rate: 6.71% last updated on Jun 8, 2023
* 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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608-610 New County Road Biddeford ME 04005

Biddeford, ME608-610 New County Road

Price$1,900,000

Est. Mortgage: $/month

Pending

MLS Number 1528374

  • Residential
  • Bedrooms 3
  • Bathroom 3
  • Square Feet 2,640
  • Acreage 29.47

Whether you have dreams of a gentleman's farm, an equestrian center, a wedding and events venue, or your own private riverfront oasis, this unique property checks all the boxes! The thirty-acre estate includes 2,500 feet of winding frontage on the Saco River and a small sandy beach for relaxing or launching your kayak. Equestrians will be delighted by the stable with seven 12x12 matted stalls, a tack room and hay loft, the full-sized outdoor dressage arena, two dry paddocks, three large grazing paddocks, and a riverfront field filled with alfalfa and clover. Other unique property features include an outbuilding currently used as an office and small store, a bank of bathrooms (including showers), a playground, laundry facilities, extensive water and electric hookups over the land past the barn, plentiful parking, and even a small, historic veteran's cemetery. That's all before even mentioning the 3 bed/2.5 bath cape that lies in the center of it all. With quick access to Old Orchard Beach, Saco/Biddeford, and Portland, this property truly has it all. Bring your dreams and make this wonderful estate your own! SHOWN BY APPOINTMENT ONLY. DO NOT DRIVE DOWN TO VIEW THE PROPERTY ON YOUR OWN. OWNERS FROWN UPON THAT.

Listed by EXP Realty

$
$
%
$/month over payments
Federal 30-year interest rate: 6.71% last updated on Jun 8, 2023
* 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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625,650 Pool Street Biddeford ME 04005

Biddeford, ME625,650 Pool Street

Price$1,900,000

Est. Mortgage: $/month

MLS Number 1555675

  • Land
  • Acreage 36

36 Acres consisting of two separate parcels just a short drive or bike ride to our beautiful beaches and UNE. This one of a kind opportunity affords you the option to build an estate , family compound, subdivide, or anything in between.

Listed by First Maine Real Estate

$
$
%
$/month over payments
Federal 30-year interest rate: 6.71% last updated on Jun 8, 2023
* 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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121 Mile Stretch Road Biddeford ME 04005

Biddeford, ME121 Mile Stretch Road

Price$1,525,000

Est. Mortgage: $/month

MLS Number 1548811

  • Residential
  • Bedrooms 4
  • Bathroom 2
  • Square Feet 1,962
  • Acreage 0.11

Not often does a property become available in ''The Pool'', as Biddeford Pool is affectionately called. Offering a Maine Coastal Lifestyle with the historic feel of a bygone era this home is located in a quaint beachfront village that possesses miles of pristine beach, bold rocky shoreline, and almost 30 acres of the East Point Audubon Sanctuary. Family and friends will enjoy plenty of space with 4 bedrooms and 2 baths, a lounging deck in back for viewing endless sunsets, and a woodburning fireplace to snuggle by with a good book or relax in the bright and airy enclosed shiplap sunroom. New efficient windows, siding, insulation and electrical wiring are some of the recent upgrades to modernize yet keep the seaside charm and character. This lovely New Englander has a continued strong rental history. Your opportunity awaits to own a piece of Maine on the quiet side of town.

Listed by Legacy Properties Sotheby's International Realty

$
$
%
$/month over payments
Federal 30-year interest rate: 6.71% last updated on Jun 8, 2023
* 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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113 Mile Stretch Road Biddeford ME 04005

Biddeford, ME113 Mile Stretch Road

Price$1,495,000

Est. Mortgage: $/month

MLS Number 1557117

  • Residential
  • Bedrooms 3
  • Bathroom 3
  • Square Feet 2,016
  • Acreage 0.49

Welcome to Biddeford Pool, a quaint beachfront village with miles of pristine beach and bold rocky shorelines, yet close to the towns of Biddeford, Kennebunkport and Portland. The property at 113 Mile Stretch is situated on a large .49 acres overlooking the 'Biddeford Pool'. Enjoy stunning water views as you watch the lobster boats, wildlife, and AMAZING sunsets. Across the street a 2 minute walk takes you to 2 ½ miles of sandy beach. The outside area features a large yard, a sunny deck overlooking the water of 'Biddeford Pool', an oversized fire pit, a second floor deck with ocean views and a storage shed for your beach toys. The lower yard has enough room to park an additional 10-15 cars for family and friends. The 2 car garage has an unfinished space above for expansion potential with a private staircase. The first floor has a living room, full bathroom, kitchen with an oversized granite island, a cozy booth with dining table, and a family room with more stunning water views. There are two staircases leading to the second floor. One goes to the primary bedroom suite, and one goes to the two bedrooms & additional full bath. The primary bedroom suite has a large bedroom, bathroom with shower and soaking tub, a spacious walk-in closet, and a deck with ocean views. One of the other two bedrooms has stunning water views also. This year round home would make an incredible investment property, second home, or primary residence. The house was completely remodeled and all systems updated over the past 8 years. Start making your summertime memories now!

Listed by Pack Maynard and Associates

$
$
%
$/month over payments
Federal 30-year interest rate: 6.71% last updated on Jun 8, 2023
* 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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625 Pool Street Biddeford ME 04005

Biddeford, ME625 Pool Street

Price$1,200,000

Est. Mortgage: $/month

MLS Number 1555770

  • Land
  • Acreage 15.73

15.73 acre parcel on the East side of route 9 just a short bike ride or drive to beautiful area beaches and UNE... 9 soils tests have been completed with potential for more. Partial Wetland delineation and survey on file with a deeded ROW from Old Pool Road to access if you choose . Many options available on this one of a kind opportunity to subdivide, create a family compound or anything in between.

Listed by First Maine Real Estate

$
$
%
$/month over payments
Federal 30-year interest rate: 6.71% last updated on Jun 8, 2023
* 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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590 Alfred Street Biddeford ME 04005

Biddeford, ME590 Alfred Street

Price$1,190,000

Est. Mortgage: $/month

Pending

MLS Number 1450060

  • Land
  • Acreage 31

31 acres parcel with 721' of road frontage on Andrews Road just beyond the Biddeford Crossing area. Property is surveyed, located in the B2 Zone. Biddeford was just listed as one of the Top 12 locations to live Downeast Magazine and is one of the fastest growing areas of Maine. This land is located just on the edge off Biddeford and Arundel, near Southern Maine Medical not far from area beaches.

Listed by EXP Realty

$
$
%
$/month over payments
Federal 30-year interest rate: 6.71% last updated on Jun 8, 2023
* 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 Tide Water Drive Biddeford ME 04005

Biddeford, ME7 Tide Water Drive

Price$899,000

Est. Mortgage: $/month

MLS Number 1553740

  • Residential
  • Bedrooms 3
  • Bathroom 3
  • Square Feet 2,000
  • Acreage 0.8

Created by Conlon Development this custom single family home is designed with a meticulous eye that won't disappoint. Presenting 7 Tide Water Drive uniquely designed with a contemporary flair you will see inside and out paired with private Saco River access. Lots are spacious and carved out of over 8 acres with a private path to the river. Homes offer upgraded cabinetry, flooring, doors and window trim encompassing only the finest finishes. Abundant windows bring natural light throughout this home. Smart siding and composite decking make your exterior virtually maintenance free. The sprawling porch and deck afford outdoor living at its best. Lots 1, 10, 11, & 12 are currently under contract and in the building process offering quality craftsmanship that is unsurpassed. Come see what sets Conlon Development apart. TBB HOME IS SIMILAR TO BE BUILT THIS HOME WILL NOT LAST LONG. CALL TODAY FOR YOUR PRIVATE TOUR OF 1 TIDE WATER.

Listed by Conlon Realty

$
$
%
$/month over payments
Federal 30-year interest rate: 6.71% last updated on Jun 8, 2023
* 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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17-19 Marblehead Lane Biddeford ME 04005

Biddeford, ME17-19 Marblehead Lane

Price$885,000

Est. Mortgage: $/month

Pending

MLS Number 1558789

  • Residential
  • Bedrooms 6
  • Bathroom 5
  • Square Feet 3,084
  • Acreage 0.46

Listed by Signature Homes Real Estate Group,LLC

$
$
%
$/month over payments
Federal 30-year interest rate: 6.71% last updated on Jun 8, 2023
* 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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12 Tide Water Drive Biddeford ME 04005

Biddeford, ME12 Tide Water Drive

Price$879,000

Est. Mortgage: $/month

Pending

MLS Number 1553511

  • Residential
  • Bedrooms 3
  • Bathroom 3
  • Square Feet 2,000
  • Acreage 0.98

First time offered is the best lot in the subdivision. This home will nestle into the landscape and feature a large deck overlooking your path to the Saco River. Your back door is steps to your private access to the river. Only 6 Lots remaining in this Southern Maine premiere subdivision. Conlon Development has carved out 12 homes in this over 8 acre landscape lined with streetlights and sidewalks. You will discover beautiful and uniquely created homes with a personal touch. Only the finest quality finishes are used to bring your home to life. Each home is designed with a meticulous eye that won't disappoint. All homes are are virtually maintenance free with engineered wood siding, pvc wrapped trim and composite decking. Leaving you more time to enjoy your custom designed and built home by Conlon Development. Call Today For Your Tour Of Tide Water Estates. Road will be private and maintained by developer until taken over by the town. HOA fee for streetlights and sidewalks. Home is similar to be built and 2100+/- sq ft. Daylight basement has 300 +/- sq ft of space for future expansion.

Listed by Conlon Realty

$
$
%
$/month over payments
Federal 30-year interest rate: 6.71% last updated on Jun 8, 2023
* 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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6 Windward Ridge Lot 6 Biddeford ME 04005

Biddeford, ME6 Windward Ridge Lot 6

Price$871,450

Est. Mortgage: $/month

Pending

MLS Number 1535227

  • Residential
  • Bedrooms 3
  • Bathroom 2
  • Square Feet 1,880
  • Acreage 0.69

Nestled in a classic coastal Maine forest and close to two of the best beaches in Southern Maine, Windward Ridge is the perfect place to call home. This neighborhood has been thoughtfully designed with conservation in mind, preserving as much of the land as possible in its natural state. High performance homes will embody modern design, combining clean lines and elegant finishes with super insulation and high efficiency. The Rae is our most loved design offering 9' ceilings, large walk-in pantry, and heat pump HVAC for heating and cooling.

Listed by OceanView Properties,Inc.

$
$
%
$/month over payments
Federal 30-year interest rate: 6.71% last updated on Jun 8, 2023
* All Figures are estimates. Check with your bank or proposed mortgage company for actual interest rates.
This product uses the FRED® API but is not endorsed or certified by the Federal Reserve Bank of St. Louis.

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11 Tide Water Drive Biddeford ME 04005

Biddeford, ME11 Tide Water Drive

Price$869,000

Est. Mortgage: $/month

Pending

MLS Number 1553509

  • Residential
  • Bedrooms 3
  • Bathroom 2
  • Square Feet 2,085
  • Acreage 0.48

Conlon Development, one of Southern Maine's premier builders, presents highly anticipated, Tide Water Estates. This opportunity is a once in a lifetime chance to own in this exclusive 12 lot subdivision where innovation meets creativity with a modern flair. Carved out from over 8 acres you will discover sidewalks and streetlights that guide your way to 140 ft. of Saco River Frontage. Home to feature over 2000 sq. ft of style and comfort housing 3 bedrooms and 2 bathrooms. There is an option for a 4th bedroom and 3rd bathroom over the garage. This sleek design paired with modern open concept will exceed your expectations. Only the highest quality of finishes will be found including top of the line cabinetry, custom lighting, maple hardwood and gorgeous counter tops. Exterior will be maintenance free with engineered wood siding, pvc wrapped trim and composite decking. No detail has been left to chance. Other home plans available. Whether your style is modern farmhouse, timeless colonial or one level living at its finest, Tide Water Estates is sure to be what you are looking for. Conlon Development creates homes with you in mind. Call today for more information and be the first to call this private community home. These beautiful homes with private Saco River Frontage will not last long!! HOA fee (TBD) is for road maintenance while the road is private. Once subdivision is almost sold out road will become public. Water frontage 140 ft is shared and accessed by a path for all residents use. Lots are clear and construction will begin soon.

Listed by Conlon Realty

$
$
%
$/month over payments
Federal 30-year interest rate: 6.71% last updated on Jun 8, 2023
* 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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9 Windward Ridge Lot 2 Biddeford ME 04005

Biddeford, ME9 Windward Ridge Lot 2

Price$849,000

Est. Mortgage: $/month

Pending

MLS Number 1524158

  • Residential
  • Bedrooms 3
  • Bathroom 3
  • Square Feet 2,000
  • Acreage 0.65

Nestled in a classic coastal Maine forest and close to two of the best beaches in Southern Maine, Windward Ridge is the perfect place to call home. This neighborhood has been thoughtfully designed with conservation in mind, preserving as much of the land as possible in its natural state. High performance homes will embody modern design, combining clean lines and elegant finishes with super insulation and high efficiency. Other home designs to choose from. Road construction to start in May.

Listed by OceanView Properties,Inc.

$
$
%
$/month over payments
Federal 30-year interest rate: 6.71% last updated on Jun 8, 2023
* All Figures are estimates. Check with your bank or proposed mortgage company for actual interest rates.
This product uses the FRED® API but is not endorsed or certified by the Federal Reserve Bank of St. Louis.

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11 (lot 3) Windward Ridge Biddeford ME 04005
Pending

MLS Number 1561117

  • Residential
  • Bedrooms 3
  • Bathroom 2
  • Square Feet 2,000
  • Acreage 0.61

Nestled in a classic coastal Maine forest and close to two of the best beaches in Southern Maine, Windward Ridge is the perfect place to call home. This neighborhood has been thoughtfully designed with conservation in mind, preserving as much of the land as possible in its natural state. High performance homes will embody modern design, combining clean lines and elegant finishes with super insulation and high efficiency.

Listed by OceanView Properties,Inc.

$
$
%
$/month over payments
Federal 30-year interest rate: 6.71% last updated on Jun 8, 2023
* 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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13 Windward Ridge Lot 4 Biddeford ME 04005
Pending

MLS Number 1555796

  • Residential
  • Bedrooms 3
  • Bathroom 2
  • Square Feet 2,000
  • Acreage 0.61

Nestled in a classic coastal Maine forest and close to two of the best beaches in Southern Maine, Windward Ridge is the perfect place to call home. This neighborhood has been thoughtfully designed with conservation in mind, preserving as much of the land as possible in its natural state. High performance homes will embody modern design, combining clean lines and elegant finishes with super insulation and high efficiency.

Listed by OceanView Properties,Inc.

$
$
%
$/month over payments
Federal 30-year interest rate: 6.71% last updated on Jun 8, 2023
* 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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10 Tide Water Drive Biddeford ME 04005

Biddeford, ME10 Tide Water Drive

Price$839,000

Est. Mortgage: $/month

Pending

MLS Number 1553508

  • Residential
  • Bedrooms 3
  • Bathroom 3
  • Square Feet 2,150
  • Acreage 0.63

Listed by Conlon Realty

$
$
%
$/month over payments
Federal 30-year interest rate: 6.71% last updated on Jun 8, 2023
* 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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588 Alfred Street Biddeford ME 04005

Biddeford, ME588 Alfred Street

Price$765,000

Est. Mortgage: $/month

Pending

MLS Number 1450050

  • Land
  • Acreage 13.7

Super location with an array of development potential this property offers 313'+/- road frontage on the highly visible Route #111 corridor just across from Biddeford Crossing. Easy turnpike access, in a fast growing city, home to Southern Maine Medical Center & University of New England as well as short drive to Kennebunkport, Portland area golf courses, beaches. Adjacent 31 acre parcel also available MLS 1450060 Call broker for details.

Listed by EXP Realty

$
$
%
$/month over payments
Federal 30-year interest rate: 6.71% last updated on Jun 8, 2023
* 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. ©2023 Maine Real Estate Information System, Inc. All Rights Reserved. equal opportunity housing logo   Privacy Policy

Williams Realty Partners participates in ©2023 Maine Listings Internet Data Exchange program, allowing us to display other Maine IDX Participants' listings. This website does not display complete listings. Certain listings of other real estate brokerage firms have been excluded. Mortgage figures are estimates. Check with your bank or proposed mortgage company for actual interest rates. This product uses the FRED® API but is not endorsed or certified by the Federal Reserve Bank of St. Louis.