Located in north St. Louis city, 1027 Garth Ave offers a 3-bedroom, 1-bathroom home with owner financing terms that make homeownership accessible without a traditional bank loan. With just $1,500 down and $790 per month — a payment that includes property taxes but not insurance — this property sits at a price point that reflects genuine opportunity in one of Missouri's most historically significant urban neighborhoods. North St. Louis has long been a area of interest for buyers looking to build equity in a city with deep roots and ongoing investment. The 63147 zip code sits near major corridors connecting to downtown St. Louis, Interstate access, and the broader metro area spanning both the Missouri and Illinois sides of the Mississippi River. For buyers who want to own rather than rent, this part of the city continues to attract those willing to put in the work and plant roots. We want to be straightforward with prospective buyers: this was once a beautiful home, but previous contract buyers left it in worse condition than they found it. This home is being sold as-is, and buyers should plan accordingly — budget for repairs and conduct any inspections before committing. That transparency is built into the price and the terms. For the right buyer — someone handheld-ready to take on a fixer, build sweat equity, and own a piece of St. Louis — this deal offers a realistic path to ownership. Owner financing means no bank approval process standing between you and the keys. The low down payment keeps the barrier to entry manageable, and the monthly payment is structured to include taxes, simplifying your budgeting from day one. Note that insurance is not included in the monthly payment and should be factored into your overall budget. If you're serious about owning in St. Louis and you're not afraid of a project, 1027 Garth Ave deserves a closer look.