If you've been searching for a spacious, well-maintained home in Decatur, Illinois without the hassle of traditional bank financing, 305 S Maffit Street deserves a close look. This large 4-bedroom, 3-bathroom single-family home offers 2,020 square feet of living space and a remarkably strong mechanical foundation — making it one of the more compelling owner-financed opportunities in central Illinois right now. The seller has invested seriously in this property. A brand-new high-efficiency furnace — 100,000 BTU at 95% efficiency — was installed alongside completely new ductwork, meaning you're starting with a heating system built to perform for years to come. New PEX plumbing runs throughout the entire home, a newer oversized hot water tank is already in place, and the electrical panel has been updated as well. The roof, foundation, and overall structure are all reported in good condition. A new vanity, toilet, and shower stall have been added, giving the bathroom a refreshed feel without the premium price tag. The layout is notably flexible, thanks to a separate exterior staircase providing independent access to the second floor — ideal for multigenerational living, a home office setup, or simply added convenience. Off-street parking is available via the driveway, and a shed in the backyard provides extra storage space. Location-wise, this home sits in a central Decatur pocket with genuine everyday convenience. St. Mary's Hospital is just five minutes away, and the Decatur Park District and the lake are equally close — great for outdoor recreation. Johns Hill School and St. James Church are directly adjacent to the property. Owner financing is available with $3,500 down and $1,295 per month. No credit check, no background check, and no income verification required. ---