Located in north St. Louis County, 10249 Earl Dr offers an accessible entry point into homeownership in one of the metro area's most affordable zip codes. This 3-bedroom, 1-bathroom home sits on a manageable footprint at 737 square feet — a smart, efficient layout that keeps utility costs low and maintenance simple. Built in 1953, the home carries the solid construction characteristic of mid-century St. Louis builds, with the kind of bones that have stood the test of decades in this region. One of the property's standout features is the fenced backyard — a genuine asset for pet owners, families with children, or anyone who values outdoor privacy and defined space. In a market where usable outdoor space often comes at a premium, this is a detail worth noting. North St. Louis County continues to attract buyers who are priced out of tighter suburban corridors but still want proximity to the city's employment hubs, major roadways, and everyday conveniences. The 63136 zip code sits within easy reach of Interstate 70, offering straightforward commute access across the metro area, including downtown St. Louis and surrounding municipalities. With a down payment of $4,000 and monthly payments of $833, this listing is structured for buyers who are ready to stop renting and start building equity — without navigating the traditional mortgage process. Owner financing means a more direct path to ownership, with terms set by the seller rather than a bank. At $89,999, this property delivers a realistic, livable option for buyers seeking stability, a private yard, and a foothold in the St. Louis Metro real estate market. If you're serious about owning and ready to move forward, this one checks the foundational boxes. ---