Located in Cahokia, Illinois — just minutes from the Mississippi River and a short drive across the bridge into downtown St. Louis — 1414 Richard Dr offers an accessible entry point into homeownership on the Illinois side of the St. Louis Metro. With owner financing available and a down payment of just $3,000, this 3-bedroom, 1-bathroom home is priced at $99,000 with monthly payments of $1,075, making it a realistic path to owning property in a market where traditional lending often creates barriers. The home spans 936 square feet and has served as a long-term rental property, meaning it has a history of consistent occupancy. With the previous tenant recently having moved out, the home is now available for its next owner to move into or invest in. The property includes central air conditioning, a meaningful comfort feature during the hot and humid St. Louis Metro summers. Cahokia sits in St. Clair County and is part of the broader Metro East region of Illinois, offering convenient access to major employment corridors, shopping along Illinois Route 3 and nearby Fairview Heights, and quick commute options into Missouri via the Poplar Street Bridge or Jefferson Barracks Bridge. The area continues to attract buyers looking for affordable alternatives to higher-priced Missouri-side inventory. This home is sold as-is. All buyers should conduct their own due diligence, inspections, and walkthroughs prior to purchase. Owner financing terms mean no traditional bank loan is required to secure this property — making homeownership achievable regardless of your current relationship with conventional credit institutions. ---