Located in Granite City, Illinois — part of the active St. Louis Metro market just across the Mississippi River from downtown St. Louis — 1510 23rd St offers a solid two-story, 3-bedroom, 1-bathroom home in a good location at an accessible entry point for buyers looking to stop renting and start building equity. The seller confirms that all systems are in working order, which is meaningful when you're buying outside of traditional financing. Knowing the mechanicals, plumbing, and electrical are functional gives buyers a reliable foundation to work from — whether you're planning to settle in long-term or gradually make the space your own over time. Granite City sits within Madison County, IL, offering residents proximity to St. Louis amenities without Missouri property tax rates. The area has seen steady blue-collar stability for decades, with access to major highways, local schools, shopping, and employment corridors that connect easily to both sides of the metro. For buyers priced out of the Missouri side or looking for more square footage per dollar, Granite City consistently delivers strong value. With a $3,000 down payment and $1,250 per month, this property is structured for buyers who are ready to own but haven't found a path through conventional lending. Owner financing removes the bank from the equation entirely — no lengthy approval process, no jumping through underwriting hoops. Just a straightforward agreement between buyer and seller. Two-story homes with functioning systems in established neighborhoods at this price point don't sit idle in the St. Louis Metro. If homeownership has felt out of reach, this listing is worth a serious look. ---