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205 E Jefferson Street, Philo, IL 61864.
Move to Philo and live your best small town life! This charming 2-bedroom, 1-bath ranch home offers nearly 1200 square feet and all major mechanicals replaced within the past 5 years. Enjoy an inviting kitchen, comfortable living room with hardwood flooring, and a dedicated laundry room. A connecting enclosed porch provides convenient access to both the backyard and two-car garage. A walk-up attic, accessible from both the home and garage, offers the possibility of additional storage. Outside, a generous front yard and fenced backyard provide room to garden, entertain, or unwind. Updates include a bathroom remodel and new furnace, air conditioning and water heater in 2021, followed by new siding, roof, gutters, and fencing in 2024. The bedroom carpeting could use a refresh, offering an opportunity to add your own finishing touch. You're just a golf cart ride from downtown favorites, including Fish Fridays at Philo Tavern and Krossing Korner Boutique, and only one block from St. Thomas Catholic School. With the heart of Champaign Urbana approximately 10 miles away and Unity Schools within a 10-minute drive, you can enjoy small town living with convenient access to nearby amenities. The home and septic system have been pre-inspected, with many repairs already completed by the seller.
MLS ID: 12779603
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205 E Jefferson Street, Philo, IL 61864.

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| Loan Type | 30 Year Fixed | FHA 30 Year Fixed | 15 Year Fixed |
| Purchase Price | $169,900 | $169,900 | $169,900 |
| Down Payment | $33,980 | $5,947 | $42,475 |
| Monthly Mortgage Amount | $893 | $1,096 | $1,093 |
| Taxes | $236 | $236 | $236 |
| Insurance | $100 | $100 | $100 |
| HOA/Dues/Fees | $0 | $0 | $0 |
| Monthly Mortage Insurance | $0 | $75 | $0 |
| Monthly Estimated Total | $1,229 | $1,507 | $1,429 |
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