Located on Saint Thomas Lane in what the seller describes as "a better part of Cahokia — overall a quiet area," this 3-bedroom, 1-bathroom single-story home offers an accessible entry point into the St. Louis Metro real estate market with owner financing available from just $2,000 down. At 864 square feet, this 1956-built home is compact, efficient, and straightforward — no basement, no crawl space, and no complicated systems to worry about. Mechanicals are fully operational, all utilities are actively running, and the home has been cleaned out and is ready for its next chapter. The furnace is in good working condition, the hot water heater is newer, and central air conditioning is available and operational — meaning the essential systems that matter most to daily comfort are all accounted for. The roof is approximately 12 years old with no active leaks per the seller. There is a small ceiling stain in the kitchen attributed to a loose fascia board — not an active leak, and something a motivated buyer can address with a straightforward repair. Full transparency is a priority here: the property will need to pass a city occupancy inspection, and a report outlining the required items from the City of Cahokia is available in the listing's Google Drive folder for review before you commit. Cahokia sits in the heart of the Illinois side of the St. Louis Metro, offering proximity to downtown St. Louis, major highways, and all the employment, retail, and amenity corridors the region has to offer — at a fraction of the cost of properties on the Missouri side. At $94,000 with $2,000 down and $950 per month, this is owner-financed homeownership made genuinely accessible — no traditional bank qualification required. ---