Located in the heart of Benton, Illinois, 428 S Central Street offers a solid three-bedroom, one-bathroom home with 1,450 square feet of living space — all available through owner financing with just $3,000 down and $950 per month, with PITI included in that payment. That means your taxes and insurance are already wrapped into what you pay each month, making budgeting straightforward from day one. Benton is the county seat of Franklin County in Southern Illinois, a tight-knit community known for its affordability and small-town character. This particular location checks a practical box that's surprisingly hard to find at this price point — walkability. Walmart and McDonald's are both within walking distance, putting everyday errands and quick meals right at your doorstep without ever needing to start the car. The home sits on a large yard with room to garden, entertain, or simply spread out — a genuine asset in a region where outdoor space is part of the lifestyle. A detached one-car garage is included on the property, though buyers should note the garage currently has no roof and would need attention. Inside, the home has been cleaned out and is ready for occupancy. A washer and dryer are included as a bonus, though their working condition cannot be guaranteed — a small trade-off for what's otherwise a well-priced package. Utilities-wise, water service is currently active. Power is off at the time of listing and will need to be connected upon purchase. These are straightforward items to address and shouldn't deter buyers looking for real value in Southern Illinois. At $87,000 with owner financing in place, this is the kind of opportunity that makes homeownership realistic without the hurdles of traditional bank lending. Southern Illinois inventory at this price with this much square footage is genuinely hard to beat. ---