Located in the close-knit community of Johnston City, Illinois, this 2-bedroom, 1-bathroom home offers a rare opportunity to step into homeownership with a manageable down payment and straightforward owner financing — no traditional bank approval required. At 796 square feet, this property is compact, efficient, and built on a foundation that sellers describe as having "good bones" — meaning the structural integrity is there, and the major systems have already been addressed. Speaking of systems, this home has seen meaningful updates where it counts most. The roof is approximately 5–7 years old, giving buyers a solid buffer before any replacement costs become a concern. Plumbing has been updated throughout, and the home features a modern 200-amp electrical service — an upgrade that not only supports today's power demands but is also a requirement for most homeowner's insurance policies. It's worth noting that insurance is included in the monthly payment, making budgeting straightforward from day one. Johnston City is a small Southern Illinois community in Williamson County, situated near Marion and Carbondale, offering a quieter lifestyle with access to the amenities of larger nearby cities. For buyers priced out of metro markets or simply looking for affordable homeownership in a stable, established neighborhood, Johnston City presents genuine value. With just $3,000 down and a monthly payment of $975 — which includes taxes and insurance — this home delivers accessible, owner-financed homeownership at a price point that makes sense. Whether you're a first-time buyer building equity or someone seeking a no-hassle path to owning property in Southern Illinois, 102 E 4th Street is worth a serious look. ---