Located in the small, tight-knit community of Mason City, Illinois, this 4-bedroom, 3-bathroom home offers an impressive 1,610 square feet of living space at a price point that's hard to find anywhere in central Illinois right now. Priced at $108,000 with owner financing available, this property gives buyers a realistic path to homeownership without the hurdles of traditional bank lending — just $3,500 down and $1,295 per month, which includes principal, interest, taxes, and insurance (PITI), so your monthly payment covers it all. Mason City is a quiet Cass County community situated in the heart of Illinois, offering a slower pace of life with easy access to larger markets. Springfield, the state capital, is roughly 35 miles to the southeast, and Havana is just a short drive west along the Illinois River. For buyers priced out of bigger markets or simply looking for more space and more house for their money, Mason City delivers square footage and room count that would cost significantly more in the surrounding metro areas. With four bedrooms and three full bathrooms across 1,610 square feet, this home provides genuine flexibility — whether you're a growing family, looking to set up a home office, or need space for extended family. Properties with this kind of bedroom-to-bathroom ratio at this price are increasingly rare in rural Illinois. This home is sold as-is. To schedule access, sellers require a valid photo ID, proof of income, and a background check. Owner financing means no traditional bank approval needed — just straightforward terms designed to help qualified buyers get into a home of their own. ---