Located in Cahokia, Illinois, just minutes from the Mississippi River and a short drive across the bridge into downtown St. Louis, 1613 Parklane Dr offers an accessible entry point into homeownership on the Illinois side of the St. Louis Metro. With four bedrooms and two bathrooms spread across a manageable footprint, this home offers more bedroom count than many comparably priced properties in the region — a meaningful advantage for larger households or buyers who need dedicated space for a home office, guests, or family. Cahokia sits within St. Louis County's Illinois neighbor, St. Clair County, where property prices remain significantly lower than much of the Missouri side, making this an appealing option for buyers who want proximity to the broader metro without the higher price tags that come with it. The area offers straightforward access to major roadways, employment corridors, and the everyday amenities that come with living inside a connected metro area. This home is offered through owner financing — no traditional bank loan required. The purchase price is $89,000, with $4,000 down and monthly payments of $1,250. The seller does require stable, verifiable income, with household income of approximately 2.5 to 3 times the monthly payment as a general guideline. For buyers who've been priced out, turned down by banks, or simply prefer a more direct path to ownership, owner financing removes many of the conventional barriers. Every home sold through this platform is sold as-is, and buyers are encouraged to conduct their own due diligence. If you've been searching the St. Louis Metro area for an owner-financed four-bedroom home at an accessible down payment, this Cahokia listing is worth a close look. ---