Located in Cahokia, Illinois — just minutes from the Mississippi River and positioned directly across from the vibrant St. Louis metro — this 3-bedroom, 1-bathroom home at 2 E Adams Dr offers an accessible path to homeownership in a market where affordability is becoming increasingly hard to find. With owner financing in place and only $3,000 down, qualified buyers can step into ownership without the hurdles of a traditional bank loan.

The property has been recently cleaned out and is ready for a new owner to make it their own. A fence already surrounds the property, offering privacy and a sense of security — a gate installation on the side of the house will complete the fully enclosed yard, making it a great setup for pets, kids, or simply enjoying your outdoor space.

At $895 per month, it's worth knowing that property taxes of $176.83 per month are already included in that payment, so there are no surprise tax bills to plan around — what you see is what you budget for.

Cahokia sits within the Metro East region of the St. Louis area, giving residents easy access to Illinois Route 3 and Interstate 255, connecting you quickly to downtown St. Louis, Fairview Heights, and surrounding communities. The area offers a quiet residential feel with urban convenience just a short drive away.

The seller does require verbal acknowledgment that the buyer earns at least 3 times the monthly payment in income — no pay stubs or documentation required, just a straightforward conversation.

For buyers seeking a low-down-payment path to owning a fenced property in the St. Louis metro region, this listing deserves a close look.

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