Located just one mile from downtown Centralia, Illinois, 327 N Hickory Street offers a spacious 3-bedroom, 2-bathroom home with 1,503 square feet of living space — available now through owner financing with just $2,000 down and $1,175 per month. No traditional bank loan required. Centralia sits in the heart of southern Illinois, roughly equidistant between St. Louis to the west and the Metro East corridor, making it a practical and affordable base for commuters and families alike. The city offers small-town character with everyday conveniences close at hand, and this property's proximity to downtown puts shops, services, and community amenities within easy reach. The home itself offers genuine square footage — 1,503 feet spread across three bedrooms and two full bathrooms gives families real room to breathe. Outside, the property features both a garage and a separate shed, which together create serious potential for a workshop, hobby space, studio, or dedicated storage. The shed alone is a standout feature for anyone who's ever wished they had a place to truly make their own. A brand-new roof has been installed, which is a meaningful capital improvement. Buyers should note that the home will need a furnace — the previous occupant relied on space heaters, so this is a known item to factor into your planning and budget. **Seller Requirements:** Buyers must provide verification of income at 3x the monthly payment and have no prior evictions on record. With owner financing in place, a low down payment, and a price point that reflects genuine value for the size and location, this is a realistic path to homeownership in a stable southern Illinois community. Properties offering this combination of space, outbuildings, and flexible financing don't come together often in this market. ---