Located in a quiet residential pocket of Decatur, Illinois, 825 W Division Street is a well-maintained 2-bedroom, 1-bathroom home offering 1,012 square feet of comfortable living space — and it comes loaded with meaningful upgrades that protect your investment from day one. A brand-new roof and new vinyl windows mean two of the most costly home maintenance concerns are already handled, giving buyers genuine peace of mind and long-term value that's hard to find at this price point. Inside, the home features a defined living room and separate dining room, giving the layout a classic, functional feel with real separation of space. Central air conditioning keeps things comfortable year-round, and the overall condition reflects a home that has been cared for. Step outside and you'll find a welcoming front porch perfect for warm Illinois evenings, a fully fenced backyard offering privacy and outdoor utility, and a detached garage for vehicle storage or additional workspace. Decatur sits at the heart of central Illinois, with easy access to major employers, everyday retail, and Millikin University nearby. The W Division Street corridor offers straightforward commuting access across the city, and this particular block carries the kind of low-traffic, neighborhood feel that buyers specifically seek out when putting down roots. At $109,000 with $4,000 down and $1,175 per month through owner financing — no traditional bank loan required — this home represents a realistic path to ownership for buyers who are ready to invest in themselves and their community. **Seller requirements:** Picture ID is required for anyone touring the property. For anyone on the Contract for Deed or over 18 living in the home, picture ID is also required. Net income must be at least 3x the monthly payment, and 3 months of income documentation is required for anyone on the CFD. No evictions in the past 5 years. ---