Located in Cahokia, Illinois — part of the greater St. Louis Metro area just across the river from Missouri — 34 Saint Columba Drive offers a rare opportunity to get into a 4-bedroom home with owner financing and a low down payment of just $1,500. At $47,000 with monthly payments of $575 (taxes included), this property delivers serious square footage and bedroom count at a price point that's nearly impossible to find through traditional financing channels. This is a handyman special with solid bones, ideal for a buyer who isn't afraid to put in some work. The home needs flooring throughout, general cleanup, and has a water heater that needs to be connected. There is also a possible roof leak that should be evaluated and addressed. Buyers should plan accordingly and budget for these repairs — but the upside is real. Four bedrooms at this price, with owner financing already in place, is the kind of deal that rarely surfaces in today's market. Cahokia sits in St. Clair County, Illinois, within easy reach of East St. Louis, Fairview Heights, and the broader St. Louis Metro employment and commerce corridor. The area offers affordable living with proximity to major highways, making commutes into Missouri or throughout the Illinois side straightforward. Because the seller is offering owner financing, there is no traditional bank loan required — no lengthy approval process, no institutional red tape. The monthly payment of $575 includes property taxes, making budgeting more predictable from day one. For the right buyer — an investor, a DIY homeowner, or someone looking to build equity through sweat — this property represents real value in a market where affordability is increasingly hard to come by. Sold as-is. ---