Located in Madison, Illinois — just minutes from the Mississippi River and positioned squarely within the broader St. Louis Metro area — 1638 4th St offers an accessible path to homeownership for buyers who've been priced out of traditional financing or simply prefer a smarter, more flexible route to owning a home. This 3-bedroom, 1-bathroom home is available through owner financing with just $2,500 down and $925 per month — and that monthly payment covers more than most buyers expect. The seller has confirmed that the payment is PITI, meaning your taxes and insurance are already bundled in. No surprise escrow bills. No separate insurance invoices. What you see is what you owe each month. Madison, IL sits on the Illinois side of the St. Louis Metro, offering buyers a lower price point compared to many Missouri-side communities while keeping you close to everything the greater St. Louis region has to offer — employment corridors, major interstates, shopping, and the energy of a large metro without the large-metro price tag. For buyers looking to establish roots in the St. Louis area without stretching their budget thin, Madison consistently represents one of the more affordable entry points in the region. At $75,000 with conventional owner-financing terms and no traditional bank loan required, this 3-bedroom home delivers real square footage and real ownership — not a rental arrangement. Every payment you make builds equity toward a property you actually own. This home is sold as-is. Buyers are encouraged to conduct their own due diligence. Flexible owner-financing terms make this an attainable opportunity for buyers across a wide range of financial backgrounds. ---