Located in Decatur, Illinois, this 2-bedroom, 1-bathroom home at 345 N 18th St offers 988 square feet of living space plus a full basement — giving you real room to grow, store, and make the space your own. The fenced-in backyard adds a layer of privacy and functionality that's hard to find at this price point, whether you have kids, pets, or simply want your own outdoor space. Decatur sits at the heart of central Illinois, offering affordable cost of living, a tight-knit community feel, and easy access to local employment, schools, and services throughout Macon County. For buyers who've been priced out of traditional financing or simply prefer to skip the bank altogether, owner financing makes homeownership here genuinely accessible. With just $2,500 down and a monthly payment of $875 — which includes taxes and insurance (PITI) — you know exactly what you're paying each month with no hidden surprises. That kind of payment transparency is a real advantage when you're budgeting for the long term. The full basement is a standout feature for a home in this size range, offering substantial additional square footage below grade for storage, a workshop, or future finishing potential. Combined with the fenced yard, this property delivers practical, everyday livability that buyers in the Decatur market are actively searching for. This home is sold as-is, and owner financing is available — no traditional bank loan required. At a purchase price of $78,996 with low entry costs, this is a straightforward path to building equity in a real Illinois community without the hurdles of conventional mortgage approval. ---