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109 N 13th Street, Oregon, IL 61061.
This inviting ranch combines a great location with thoughtful updates and a layout designed for everyday convenience. Situated on a corner lot near schools and parks, the home welcomes you with a bright, spacious kitchen featuring a casual breakfast counter and a cozy dining nook perfect for everyday meals. A mudroom with main floor laundry adds practical ease to your routine. The living room centers around a warm wood-burning fireplace, while the formal dining room opens directly to the brick paver patio for seamless indoor outdoor living. Three bedrooms are located on the main floor, including a primary suite with a tiled shower bath, along with a second full bath. The lower level expands your living space with a generous family/rec room, a full bath with stand up shower (updated in 2021), and a versatile bonus room. Outside, enjoy a 2 car garage, storage shed, and a brick paver patio enhanced by a privacy fence along one side, ideal for relaxing without fully enclosing the yard. Recent improvements include 2021 kitchen countertops, 2022 updates to both main floor bathrooms, a 2021 furnace and central air, and a new roof in 2023. All electric home.
MLS ID: 12608676
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109 N 13th Street, Oregon, IL 61061.

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| Loan Type | 30 Year Fixed | FHA 30 Year Fixed | 15 Year Fixed |
| Purchase Price | $229,900 | $229,900 | $229,900 |
| Down Payment | $45,980 | $8,047 | $57,475 |
| Monthly Mortgage Amount | $1,103 | $1,353 | $1,409 |
| Taxes | $320 | $320 | $320 |
| Insurance | $100 | $100 | $100 |
| HOA/Dues/Fees | $0 | $0 | $0 |
| Monthly Mortage Insurance | $0 | $101 | $0 |
| Monthly Estimated Total | $1,523 | $1,874 | $1,829 |