Located in Cahokia, Illinois — just minutes from the Mississippi River and a short drive across the bridge into St. Louis, Missouri — 1432 Richard Dr offers a rare opportunity to get into homeownership on the Illinois side of the St. Louis Metro with a low $3,000 down payment and $895 per month through owner financing. No traditional bank loan required. This 4-bedroom, 1-bathroom home sits at 988 square feet and comes with a standout bonus feature: a converted garage that could function as a fifth bedroom, home office, storage space, or flex room — a genuinely versatile addition that sets this property apart from similarly priced homes in the area. The seller is transparent that a little cleanout is needed, and the home is sold completely as-is. Buyers should plan to do their due diligence and budget for any updates or improvements they'd like to make. That honesty is reflected in the pricing — at $79,000 with owner financing terms already in place, this is a value-driven entry point into the St. Louis Metro market without the hurdles of conventional lending. Cahokia sits in St. Clair County and offers relatively affordable living compared to many parts of the metro, with proximity to Fairview Heights shopping, East St. Louis, and easy highway access to downtown St. Louis. For buyers who want more square footage, more flexibility, and more bedrooms per dollar, the Illinois side of the metro consistently delivers — and this listing is a solid example of that. If you've been searching for an owner-financed home in the St. Louis Metro area with low money down and flexible terms, 1432 Richard Dr deserves a close look. ---