Located in Peoria, Illinois — central Illinois's largest city — this 3-bedroom, 1-bathroom home at 1206 W Johnson St offers 1,176 square feet of solid, well-maintained living space with one of the standout features in its price range: a 2-car detached garage. Whether you're a first-time buyer, a growing family, or someone looking to build equity without going through a traditional lender, this property deserves a serious look. The seller has been upfront about the condition, and the news is genuinely good. The foundation is solid, the roof is in great shape, and the plumbing is fully functional — the three big-ticket items that can turn a promising purchase into a costly mistake are all accounted for here. The home was recently vacated and may require some minor cleanout, as shown in the listing photos, but the bones and systems are in excellent working order. $99,000 with just $2,500 down and a monthly payment of $995 — which includes principal, interest, taxes, and insurance — this is a compelling opportunity in Peoria's owner-financed market. For context, comparable rentals in this area often run $900 or more per month with nothing to show for it at the end of the lease. Here, that monthly payment is building toward ownership. Peoria continues to attract buyers looking for real value in central Illinois, with access to healthcare, retail, dining, and a strong community infrastructure. The addition of a 2-car garage adds everyday utility and long-term property value that's hard to find at this price point. If you're ready to step into homeownership through a straightforward owner-financing arrangement — no traditional bank loan required — this W Johnson St property is worth a close look.