644 W Division St in Decatur, IL is a well-maintained 3-bedroom, 2-bathroom home with 1,365 square feet on a 6,000 square foot lot — clean throughout, including the basement, and in solid condition from top to bottom. The previous owner just moved out having maintained the property carefully right up to the last day, and it shows.

The mechanicals are all in good shape: a newer hot water tank, a working Trane brand furnace, a relatively new architectural shingle roof, and a clean basement. A shed in the backyard and a detached garage with a concrete driveway round out the property with storage and covered parking that most homes at this price point in Decatur don't offer.

Location is a genuine asset here — 3 minutes to Decatur Memorial Hospital and 4 minutes to Millikin University, putting this home in one of the more convenient pockets of the city for healthcare workers, university staff, and students alike.

Available through owner financing at $3,500 down and $1,200/month, priced at $120,500 in the Decatur market. Seller requires 3 months proof of income only — no credit or background check. Owner financing available — flexible terms, no traditional bank loan required.