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108 E Van Buren Street, Philo, IL 61864.
Feel the warmth and tender loving care throughout this charming three-bedroom, two-full-bath home with a two-car detached garage, nestled on a beautifully landscaped corner lot in the sweet town of Philo. The current owner has thoughtfully nurtured an assortment of fruit trees (peach, apple, cherry & rasberry) and bushes adding privacy, dimension, and natural beauty to the property. Relax on the front porch swing and enjoy small-town living, then step inside to discover tall ceilings, warm hardwood flooring, striking original woodwork, plaster walls in excellent condition, and a wonderfully functional layout. The first floor den could also easily be converted to a 4th bedroom. Sunshine fills the spacious living room, which flows seamlessly into the inviting dining room and fully equipped kitchen featuring abundant cabinetry and countertop space. The main level also offers a comfortable bedroom, a remodeled full bath, a versatile flex room ideal for an additional bedroom, family room, or home office, and a convenient laundry room with extra shelving. Enjoy the added practicality of the covered back porch, providing shelter and additional storage space. Upstairs, you'll find two additional bedrooms, a beautifully remodeled full bath, and another flexible living area offering even more possibilities. The older but sturdy detached garage provides plenty of room for vehicles, hobbies, and extra belongings. Notable updates include a new furnace in April 2020, roof replacement in 2023, renovated kitchen with updated pex plumbing throughout, new fixtures and garbage disposal in 2018, complete foundation tuckpointing in 2017, updated electrical, and recently painted porches and new porch stairs installed. A wonderful blend of character, functionality, and lovingly maintained outdoor spaces makes this home one to appreciate!
MLS ID: 12785249
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108 E Van Buren Street, Philo, IL 61864.

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| Loan Type | 30 Year Fixed | FHA 30 Year Fixed | 15 Year Fixed |
| Purchase Price | $240,000 | $240,000 | $240,000 |
| Down Payment | $48,000 | $8,400 | $60,000 |
| Monthly Mortgage Amount | $1,261 | $1,548 | $1,543 |
| Taxes | $334 | $334 | $334 |
| Insurance | $100 | $100 | $100 |
| HOA/Dues/Fees | $0 | $0 | $0 |
| Monthly Mortage Insurance | $0 | $106 | $0 |
| Monthly Estimated Total | $1,695 | $2,088 | $1,977 |
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