Located in the 63121 zip code on the north side of St. Louis, 3729 Avondale Avenue offers a solid opportunity to own a 3-bedroom, 1-bathroom home with a 1-car garage — all through straightforward owner financing that bypasses the traditional bank loan process entirely. At 1,168 square feet, this home carries a practical, efficient layout suited for a variety of buyers — from first-time homeowners looking to build equity to investors familiar with the north St. Louis market. The attached 1-car garage adds everyday utility and storage that many comparable properties in this price range simply don't offer. It's important to be upfront: utilities are currently off at the property. Buyers should plan to have the home assessed and services restored prior to or at the time of occupancy. For those comfortable with a walkthrough under those conditions or working with a contractor, the purchase price of $85,000 with just $2,500 down reflects genuine value in a market where affordable homeownership options are becoming increasingly difficult to find. The 63121 corridor, which spans portions of north St. Louis city and county, has seen steady interest from buyers looking to enter the market without the barriers of conventional financing. With owner financing, your path to ownership is structured directly between you and the seller — making the process more accessible and far less bureaucratic. Monthly payments of $950 keep this well within reach for buyers ready to invest in a property and a neighborhood with long-standing residential roots. The monthly payment includes PITI — principal, interest, taxes, and insurance — so there are no surprises when it comes to what you owe each month. If you've been priced out elsewhere or passed over by traditional lenders, this listing deserves a serious look.