Located in Cahokia, Illinois, just minutes from the Mississippi River and a short drive across the bridge into downtown St. Louis, 1308 Richard Dr offers an accessible entry point into homeownership on the Illinois side of the St. Louis Metro. With a $3,000 down payment and owner financing available, this 3-bedroom, 1-bathroom home puts ownership within reach without the hurdles of traditional bank lending. Sitting on a double lot with a large yard, this property stands out for buyers who want outdoor space — whether that means room for gardening, entertaining, kids, or simply having more breathing room than the typical suburban parcel offers. The 2-car garage adds meaningful value, providing covered parking, storage, or workshop potential that's genuinely hard to find at this price point in the Metro East area. The home spans 936 square feet and was recently occupied, indicating it has been actively lived in. Cahokia is part of St. Clair County, offering lower property taxes compared to the Missouri side of the metro, which can be an ongoing financial advantage for buyers thinking long-term. The area sits near major routes including IL-3 and Interstate 255, making commutes into St. Louis, Belleville, and surrounding Metro East communities straightforward. At $99,000 with just $3,000 down and monthly payments of $1,075, this listing represents a real ownership opportunity in a market where renting often costs as much or more with nothing to show for it. The double lot alone adds land value that a standard single-lot home in the area simply cannot match. This home is sold as-is. All buyers should conduct their own due diligence and inspections prior to purchase. ---