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105 W 4th Street, Spring Valley, IL 61362.
Welcome home to this charming brick bungalow located in Spring Valley offering 2 bedrooms with the potential for a 3rd bedroom and 1 full bathroom. Step inside to discover beautiful hardwood floors and impressive 9-foot ceilings throughout most of the main level, creating a warm and spacious feel. The home features both a front and back porch, perfect for enjoying your morning coffee or relaxing at the end of the day, along with a fenced-in yard ideal for pets, play, or outdoor entertaining. Recent improvements include a new roof in 2022, gutter guards installed in 2021, and additional insulation added in 2019 for enhanced efficiency and peace of mind. Upstairs, you'll find a versatile space that could serve as a home office, gaming room, hobby area, or additional living space. This well-maintained home combines classic character with practical updates, making it a must-see opportunity in Spring Valley.
MLS ID: 12668287
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105 W 4th Street, Spring Valley, IL 61362.

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| Loan Type | 30 Year Fixed | FHA 30 Year Fixed | 15 Year Fixed |
| Purchase Price | $144,500 | $144,500 | $144,500 |
| Down Payment | $28,900 | $5,058 | $36,125 |
| Monthly Mortgage Amount | $702 | $874 | $893 |
| Taxes | $201 | $201 | $201 |
| Insurance | $100 | $100 | $100 |
| HOA/Dues/Fees | $0 | $0 | $0 |
| Monthly Mortage Insurance | $0 | $64 | $0 |
| Monthly Estimated Total | $1,003 | $1,239 | $1,194 |