Located in a quiet, established neighborhood just steps from Millikin University, 234 Home Ave in Decatur, IL offers a rare combination of community charm, practical updates, and flexible ownership terms that make getting into a home of your own genuinely attainable. Priced at $87,500 with just $3,000 down and $955 per month, this 3-bedroom, 1-bathroom home is positioned for buyers who want real value in one of Decatur's most walkable and recognizable areas.

The home sits at the back of a desirable neighborhood, offering a sense of privacy while still being close to everything the Millikin University corridor brings — foot traffic, community investment, and long-term neighborhood stability. Whether you're a local looking to plant roots or relocating to central Illinois, this location carries genuine appeal.

Inside, 960 square feet of functional living space awaits. The layout is straightforward and livable, and the home comes with a refrigerator and stove/oven included — so you're set from day one. The furnace and water heater have both been updated, meaning two of the biggest-ticket mechanical concerns are already handled. The deep front porch is one of the home's standout exterior features — the kind of space that gets used, whether for morning coffee or evening conversation with neighbors.

Out back and out front, the yard space is generous — a large front and back yard that offers room to garden, entertain, or simply enjoy having outdoor space that's truly yours. The unfinished basement adds square footage potential for storage or future improvement down the road.

Decatur's housing market rewards buyers who move thoughtfully, and with owner financing available on this property, a traditional bank approval is not a barrier to ownership. Please note that the seller requires the following before a showing can be scheduled: a photo ID or driver's license, a 5-year residence history, and 3 months of proof of income (paystubs or bank statements) demonstrating a minimum of 3x the monthly payment — all collected and emailed in advance. During the showing, the filler must remain on the phone with TB and video themselves locking the key back in the lockbox and confirming the door is locked. This is a solid, well-situated home at a price point that makes sense.

Showings are by appointment only.

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