Located in Decatur, Illinois, 870 S Stone St is a compact and efficient 2-bedroom, 1-bathroom home offering 797 square feet of living space — plus a versatile bonus office that could easily function as a third bedroom, nursery, or dedicated workspace depending on your needs. That kind of flexibility is hard to find at this price point, making this property stand out in Decatur's affordable housing market. One of the most notable recent upgrades is the newly installed AC unit, giving buyers the confidence that comfort is covered heading into warmer months without the immediate expense of replacing a major system. Priced at $79,000 with owner financing available, this home is accessible to buyers who may not qualify for or prefer to avoid traditional bank lending. Getting in requires just $3,000 down with monthly payments of $900 — a realistic path to ownership in a city where rental rates continue to rise and the case for buying over renting grows stronger every year. Decatur sits in the heart of central Illinois, home to Millikin University and a tight-knit community with ongoing investment in its neighborhoods. South Stone Street offers proximity to everyday amenities, local schools, and the kind of established residential streets that give buyers a true sense of neighborhood living. This home is sold as-is, and all interested buyers are encouraged to conduct their own due diligence. Whether you're a first-time buyer looking to stop renting, an investor seeking an affordable addition to a portfolio, or someone simply looking for a manageable, right-sized home in central Illinois — 870 S Stone St is worth a serious look. Owner financing terms make this one of the more attainable opportunities currently available in the Decatur market. ---