Step into a piece of Decatur history with this 1920 two-story Victorian home at 1012 E Wood St — a character-rich property offering 3 bedrooms, 2 bathrooms, and 1,350 square feet of classic architecture with real personality. With a down payment of just $2,500 and owner financing available, this is an accessible path to homeownership in one of central Illinois's most established residential markets. The home showcases the craftsmanship of its era throughout, including original hardwood floors, a beautiful staircase that anchors the interior, and a large kitchen with room to make it your own. Vinyl siding on the exterior gives it a low-maintenance outer shell while preserving the Victorian charm underneath. A detached garage adds practical value that's increasingly hard to find at this price point in Decatur. Recent work completed on the property includes a full cleaning, drywall repairs, and fresh paint throughout. Plumbing has been tested, the furnace is operational, the water heater is fairly new, and the electrical system has been reviewed — all disclosed transparently, as this home is sold as-is. Your monthly payment of $1,080 includes principal, interest, taxes, and insurance (PITI) — so there are no surprise add-ons to your budget each month. No traditional bank loan is required, making this an ideal opportunity for buyers who are ready to own but working outside conventional financing. Decatur sits at the heart of central Illinois, with Millikin University nearby, solid community roots, and a housing market where older homes with this kind of character and square footage are increasingly rare at accessible price points. If you've been looking for a home with history, space, and a realistic path to ownership, 1012 E Wood St is worth a close look. ---