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103 W Jefferson Street, Philo, IL 61864.
Beautifully updated 3-bedroom, 2-bath home - featuring a large backyard, 1.5 car garage with additonal storage area, and a garden shed! Recent improvements include new flooring, fresh paint, and thoughtful updates throughout. Step in to admire the view of the family room, kitchen/dining area, and the cozy living room all in once glance! The spacious living area is filled with natural light, featuring a fireplace and bay window that overlooks the backyard. The master retreat has multiple closets along with a sitting room that could be used as an office, nursery, or anything you wish! The enclosed sunroom provides the perfect space to relax or entertain while enjoying views and access to the fenced backyard. With a well-designed layout and abundant light throughout, this home offers both charm and everyday livability.
MLS ID: 12541306
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103 W Jefferson Street, Philo, IL 61864.

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| Loan Type | 30 Year Fixed | FHA 30 Year Fixed | 15 Year Fixed |
| Purchase Price | $274,900 | $274,900 | $274,900 |
| Down Payment | $54,980 | $9,622 | $68,725 |
| Monthly Mortgage Amount | $1,266 | $1,575 | $1,644 |
| Taxes | $383 | $383 | $383 |
| Insurance | $100 | $100 | $100 |
| HOA/Dues/Fees | $0 | $0 | $0 |
| Monthly Mortage Insurance | $0 | $121 | $0 |
| Monthly Estimated Total | $1,749 | $2,179 | $2,127 |