Located in the quiet small town of Nokomis, Illinois — situated in Montgomery County about an hour northeast of St. Louis and roughly 45 minutes south of Springfield — this 1.5-story home at 623 N Spruce St offers an accessible entry point into homeownership through owner financing, with just $750 down and a monthly payment of $572, which includes taxes and insurance (PITI). Built in 1920, this 840-square-foot home carries the character and layout that older Illinois construction is known for. The main level features the master bedroom, a full bathroom, a small office space, a laundry and wet room, and a sizable kitchen with abundant cabinetry — a genuinely practical layout for everyday living. The versatile front room adds flexibility depending on your needs. Upstairs, two large bedrooms round out the living space, offering more room than the square footage might suggest at first glance. Buyers should be aware that this property requires work. There is a hole in the roof on the back side above the bathroom, currently covered with a blue tarp visible in exterior photos, and the bathroom will need renovation. This is reflected honestly in the pricing and terms — at $60,750 with $750 down, this is priced as a project property, and the owner financing structure means qualified buyers can get into the home without navigating a traditional bank loan or lengthy approval process. For buyers willing to put in the work, Nokomis offers small-town stability with reasonable proximity to larger Illinois markets. All photos and video are available to review the current condition in detail before moving forward. This property is sold as-is. ---