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104 S Point Court, Philo, IL 61864.
Tucked away on a quiet cul-de-sac in Philo, this beautiful, sunshine-filled ranch offers the perfect combination of privacy, comfort, and convenience! Featuring 3 bedrooms, 2.5 baths, 1,892 square feet, and a spacious 2-car garage, this home welcomes you with soaring cathedral ceilings, an inviting living room with electric fireplace, and a bright, open floor plan ideal for everyday living and entertaining. The dining area flows seamlessly into the living room, while the kitchen features a charming breakfast nook. The desirable split-bedroom design provides privacy, with a spacious primary suite featuring a step-in shower, jetted tub, and two walk-in closets. Two additional bedrooms share a guest bath. Outside, enjoy a peaceful, private backyard complete with a storage shed. The oversized, heated garage features an epoxy-coated floor, and thoughtful improvements include a professionally improved crawl space with spray-foam insulation and vapor barrier, additional attic insulation, central vacuum system, whole-house Generac generator, and new central air conditioning in 2025. Located in the sought-after Unit 7 School District, just minutes from Champaign, Urbana, and the University of Illinois. A wonderful opportunity to enjoy small-town living with big-city conveniences close by!
MLS ID: 12797060
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104 S Point Court, Philo, IL 61864.

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| Loan Type | 30 Year Fixed | FHA 30 Year Fixed | 15 Year Fixed |
| Purchase Price | $339,900 | $339,900 | $339,900 |
| Down Payment | $67,980 | $11,897 | $84,975 |
| Monthly Mortgage Amount | $1,786 | $2,192 | $2,186 |
| Taxes | $473 | $473 | $473 |
| Insurance | $100 | $100 | $100 |
| HOA/Dues/Fees | $0 | $0 | $0 |
| Monthly Mortage Insurance | $0 | $150 | $0 |
| Monthly Estimated Total | $2,359 | $2,915 | $2,759 |
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