Illinois Valley Homes A NewsTribune Publication | January 20, 2021
MLS# 10767626 - 433 Oak Street, Princeton, IL 61356 - List Price: $219,000 FEATURED PROPERTY
Upgrades everywhere! This beautiful, Lucien Piper built, three bedroom, two bath property sits on secluded Oak Street, just off Zearing Park. Step inside thru the leaded glass front door acquired from the locally legendary Warfield Estate. Electric, zoned heat, Nutone central vac, six panel solid wood doors. New flooring in the living, family, breakfast, and third bedrooms installed in 2019. A water softening system is located in the four foot deep crawl space! Other features include a breakfast room, remodeled master bath in 2011, a skylight in the laundry and a heated garage. The professionally landscaped yard includes a 20x14 brick patio surrounded by a vinyl, “wrought iron” fence (completed in 2010). This home is ready for you! Come take a look, then make it yours! Listing Agent is Tom Hall 815-848-8508 from The Property Merchants Co., Princeton, IL
See listing on page 2
Haven’t you always wanted a high-end bidet? PAGE 6
Splash some life into your home! PAGE 12
Jumping on the real estate boom? PAGE 18
THE
PROPERTY MERCHANTS COMPANY
The Property Merchants Company 512 S. Main, Princeton, IL 61356
815-872-0080 • thepropertymerchants.com
Professional Realtors
Todd Massey, Managing Broker: 815-872-0080
Thomas Hall
Broker • 815-878-8508 thomashallrealtor@gmail.com
Donna Milliron
Broker • 815-915-6710 grannyofpm2000@yahoo.com
Vicki Smith
Broker • 815-876-7461 vlsteach@yahoo.com
Bill Lane
Broker • 815-878-2584 bill.lane@thepropertymerchants.com
Come See Us at our New Location - 512 S. Main, Princeton, IL 3 Bedroom / 2 Bath 433 Oak Street, Princeton, IL 61356 MLS#: 10767626
3 bedroom / 2.5 baths 1428 S. Euclid, Princeton, IL 61356 MLS #: 10809612
List Price: $219,000 Tom Hall
List Price: $247,900 Tom Hall
3 Bedroom / 1 bath 210 S. Adams Street, Sheffield, IL 61361 MLS#: 10609629
Building Lot - NEW 1 Woodland Dr., Princeton, IL 61357 MLS #: 10837521
List Price: $89,900 Tom Hall
List Price: $78,500 Tom Hall
Building Lot – Close to I-80 2210 N. Main, Princeton, IL 61356 MLS #: 09181725
Multi-use, 14+ acre Commercial Property 1661 N. Main St., Princeton, IL 61356 MLS#: 10344521
List Price: $325,000 Tom Hall
List Price: $1,375,000 Tom Hall
2 Bedroom / 1 Bath – Reduced Price 224 N. Vernon Street, Princeton, IL 61356 MLS#: 10908710
1.29 Acres N. Main St. Frontage 1750A N. Main St., Princeton, IL 61356 MLS#: 10472585
List Price: $79,900 Todd Massey
List Price: $375,000 Todd Massey
7 Acres N. Main St. Access 1750 N. Main St. Princeton, IL 61356 MLS#: 10472548
New Construction Rental 1210 N Main St., Unit B, Princeton, 61356 MLS#: 10377624
List Price: $395,000 Todd Massey 2 January/February 2021 | Illinois Valley Homes | A NewsTribune Publication
Base Rental Price: $800/month Vicki Smith
2011 Rock Street, Suite A • Peru, IL 61354 • 815-223-3875 January 2018 Mark Janko
Larry Bianchi 815-228-3826
Mark Janko, Managing Broker
Barb Bryant 815-252-3036
John Carls 815-252-4456
Penny Decker 815-228-7877
Adam Finley 815-830-4422
Andrea Greenwalt 815-878-1488
Your Local Residential, Commercial, Land, Farms & Property Management Team 1221 N. Marquette St., LaSalle $135,000
5+1BD/ 2.1BA
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414 N. Bureau Ave., Ladd $160,000
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2BD/ 1BA
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27 Oak Ridge Dr., LaSalle $496,500
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37 Conservation Ct., LaSalle $399,000
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3527 E. 11th Rd., Ottawa $399,900
4BD/ 4.1BA
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1903 10th St., Peru $165,000
3BD/ 2.1BA
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1924 10th St., Peru $115,000
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437 Joliet St., LaSalle $75,000
2BD/ 1BA
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Lot 30 Vermilionvue Trace LaSalle $36,900
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#10109346
23 Stacy Ave., Streator $100,000
3BD/ 1.1BA
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A NewsTribune Publication | Illinois Valley Homes | January/February 2021 3
SE HABLA ESPANOL
Terry Happ 815-488-1620
Katrina Jarrell 815-228-9779
1001 Canal St., LaSalle $29,500
2BD/ 1BA
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915 Joliet St., LaSalle $69,900
2BD/ 1BA
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902 Roosevelt Rd., LaSalle $84,000
2BD / 1BA
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119209 E. Iowa View St., St., Spring OttawaVly $48,000 $51,500
2BD/ 1BA
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607 11th Ave., Mendota $89,000
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2 Units
#10890892
Erin Karlosky 815-719-7048
Linda Kaszynksi 815-228-5622
Tisha Kent 815-883-4941
330 Heritage Ave., Oglesby $142,500
2BD/ 2BA
#10934848
718 Rock St., Peru $150,000
4BD/ 2BA
#10920444
1530 Linden Ave., LaSalle $199,900
3BD/ 2BA
#10904875
2602 Bryant Blvd., Peru $282,900
4BD/ 2.1BA
#10929459
2823 Debo Drive, 604 Peru Division St., Mendota $244,900 $155,000
3+2BD/ 2.5BA
4 January/February 2021 | Illinois Valley Homes | A NewsTribune Publication
#10597725
Pat Majors 815-228-6353
Jose Maldonado 815-830-3715
309 Hayden Ave., Oglesby $115,000
3BD/ 1BA
#10839427
25499 750 E St., Walnut $105,000
2BD/ 1BA
#10850070
620 N. Euclid Ave., Princeton $64,897
4BD/ 1.1BA
#10744927
1521 2nd St., Peru $105,600
4BD/ 2BA
#10808605
210 Abens Ave., Henry $11,000
2BD/ 1BA
#10555205
SE HABLA ESPANOL
Royce Mignone 815-252-9997
Martha Moscosa 815-993-0804
Pat Olsen 815-910-5983
0 Pulaski St., Peru $42,500
Lot 112X148
2BD/ 1BA
#10877086
607 7th Ave., Mendota $73,000
3BD/ 2BA
#10785444
Lot 9 Arrowhead Dr. North Utica $53,500
1.37 Acres
4BD/ 2BA
#10660306
918 6th St., LaSalle $155,000
4 Units
#10764316
Lot 10 Arrowhead Dr., North Utica $57,500
1.47 Acres
#10660301
815-481-4663
Lot 5 Church St., Peru $72,000
#10926407
Lot
1213 Monroe St., Mendota $131,000
#10880826
Kathy Zidow 815-488-4874
Theresa Washkowiak
1818 Schuyler St., Peru $93,500
258 Clark St., Marseilles $10,000
Lot 63X130
Christine & Jerry Schweickert 815-488-2990
Brian Phillips 630-800-8622
#10115658
717 Hennepin St., LaSalle $49,000
#10884591
2BD/ 1BA
217 Linda Circle, Granville $21,250
Lot 6 Arrowhead Dr., North Utica $62,000
2BD/ 1BA
#10949941
Lot 11 Arrowhead Dr., North Utica $70,500
1.80 Acres
#10660295
1.61 Acres
#10782728
#10660366
Lot 12 Ann Marie Dr., North Utica $85,000
2.19 Acres
#10660279
411 S. 1st St., Princeton $64,000
3BD/ 1BA
#10930582
3BD / 1.1BA
#
2BD / 1BA
#
3BD/ 1BA
#
SM-LA1847178
A NewsTribune Publication | Illinois Valley Homes | January/February 2021 5
Haven’t you always wanted a high-end bidet?
Here’s what to look for (BPT) - There’s no shortage of choices when it comes to bidet toilets. If you’re someone who insists on having the best, here’s a tidbit to simplify your search: The evolution of the bidet largely occurred in Japan. Though the French get credit for inventing the bidet, it was actually Japanese innovation that reshaped the bidet experience into a must-have luxury. The reinvented bidet seat started off by delivering a jet of precisely aimed, warmed water - a big improvement over the traditional model, and so the fixture quickly became mainstream in Japanese homes and businesses. But the innovation did not end
there. Year after year, bidet seats got even better, with a focus on bringing people-centered design to the bathroom, with features that enhance comfort and add convenience. The good news is you can bring the latest envelope-pushing bidet toilet design into your home. The following will highlight some of the best-in-class features to look for as you shop around. Spa-like features: The epitome of luxury is having your needs anticipated. The AllIn-One Smart WASHLET+ created by the Japan-based company TOTO does not shy away from that. It not only
Skirted designs are easier to clean around. warms the seat and lets you ing, automatic open/close lids adjust the water temperature and an air deodorizer. and spray, you can also program your own memory setDesign-forward look: When ting so when you sit down, it comes to achieving an aeseverything works exactly thetic that fits your bathroom, how you like it. In addition, one option is a skirted design, it gives you hands-free flush- and that’s something you can
Excellent Rates ~ Quick Local Decisions ~ Personalized Service ~ Individual Attention
Cory Biers Senior Vice President, Loans Mendota 815.539.3824 NMLS #477892
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Chris Holdenrid Vice President, Mortgage Loans Mendota 815.539.3824 NMLS #461073
Ashley Rzasa Mortgage Originator Streator 815.673.4381 NMLS #1900504
Robert (Bob) Suarez Community President Peru 815.224.4484 NMLS #477891
Susan Tondi Mortgage Originator Princeton 815.872.0002 NMLS #688553
6 January/February 2021 | Illinois Valley Homes | A NewsTribune Publication
Alan Brizgis Community President McNabb 815.882.2146 NMLS #477887
Tara Stefanich Mortgage Originator Ottawa 815.433.3727 NMLS #688620
find in high-end bidet toilets. It does away with the usual nooks and crannies at the base, giving your bathroom a more pulled-together, polished look (and fewer places for dust to hide). Or how about a wall-mounted toilet? It looks absolutely sleek and modern, and it’s a design that’s especially well-suited for small bathrooms.
Wall mounted toilets are great space savers in small bathrooms. of a modern bidet toilet, the last thing you want are protruding water and electrical supply connections marring the look of your bathroom. A high-quality bidet uses a seamless design that conceals unsightly cords and tubes, keeping everything looking tidy and in-place.
TOTO is a century-old global brand and the creators of WASHLET+ innovation that improves personal care with high-performing technolStreamlined connections: ogy. Learn more by visiting As desirable as the features WASHLET.com.
Brad & Abby Weekday Mornings
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Innovative cleaning: How often does technology eliminate your cleaning tasks? The WASHLET+ by TOTO has a CLEAN SYNERGY system that helps you maintain a sparkling bowl for longer. First, a special nano-technology bowl glaze seals the porcelain with an ionized barrier that repels matter, mold and other gunk. After every use, the DYNAMAX TORNADO FLUSH System cleans every inch of the rimless bowl. Finally, its misting feature uses EWATER+ to keep the bowl and the wand clean without using chemicals or cleaning agents.
Download the free 99.3 WAJK app for your mobile device or ask your smart speaker to play “99-3 WAJK!”
Tested Positive for Radon? We Are The
SOLUTION!
Illinois Valley Radon Mitigation, LLC. Serving the Illinois Valley and surrounding counties. We are locally owned and operated. We are licensed by the State of Illinois
Makeover your home with fun and fresh paint colors
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Stop in today to see how the vibrant colors of Benjamin Moore® can help your next paint project be your best ever.
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Shop your favorite Benjamin Moore® colors.
1713 4th St Peru, IL 61354 (815) 223-0461 ©2019 Benjamin Moore & Co. ben, Benjamin Moore, Gennex, and the triangle “M” symbol are registered trademarks licensed to Benjamin Moore & Co.All other marks are the property of their respective owner. 10/19
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A NewsTribune Publication | Illinois Valley Homes | January/February 2021 7
8 January/February 2021 | Illinois Valley Homes | A NewsTribune Publication
A NewsTribune Publication | Illinois Valley Homes | January/February 2021 9
10 January/February 2021 | Illinois Valley Homes | A NewsTribune Publication
A NewsTribune Publication | Illinois Valley Homes | January/February 2021 11
Splash some life into your home!
These DIY projects will instantly improve your home’s value (BPT) - Buying a home is exciting. Once you purchase a property, you want to make it your own. Whether it’s a 100-year-old beauty or a fresh new build, there are improvements you can make that not only personalize the space, but add instant value to your real estate investment. PROJECT 1: UPDATE THE GARAGE DOOR Garage doors take up a lot of visual real estate on the exterior of a home, meaning they dramatically boost curb appeal. Because you never get a second chance to make a first impression, bland de-
signs, old styles and damaged American Craftsman style doors detract from a home’s homes. Contemporary garage appearance and overall value. doors with clean lines work well with mid-century modern Updating a garage door homes. Raised panel garage has a midrange cost but an doors are popular and work impressive ROI. According with many types of homes. to Remodeling Magazine’s 2020 Cost vs. Value report, PROJECT 2: ADD A BATHROOM Wish you could add a baththe average national job cost of a garage door replacement room where no conventional is $3,695, with an impressive plumbing exists in your home? 94.5% cost recouped at resale. Basements, attics, garages and unfinished spaces are tricky, When choosing a garage but there is one way to add door, select one you like that a bathroom without busting matches the home’s design. through concrete or sacrificFor example, carriage-house ing the structural integrity of garage doors have a rustic a home: above-floor plumbing look that work well with such as macerating toilets and
12 January/February 2021 | Illinois Valley Homes | A NewsTribune Publication
drain pumps from Saniflo. This was the case for David Pirain of NextHome PPM Realty, who wanted to add a half bath to a home he was flipping in Pittsburgh, Pennsylvania. The primary challenge: Sewage access was above grade and 40 feet away from the basement, which is situated about six feet below the sewer line. Installing conventional plumbing was impossible without installing a large sewage ejector system that would require breaking concrete to dig a pit to hold the system, which he estimated would cost $9,000. He decided
He spent $1,100 and now estimates that adding a basement bathroom increased the value of the home by $20,000.
owners are opting to replace popcorn texture ceilings with flat or knock-down styles. While a ceiling is a personal preference, updating it to a more modern option may command a higher price at resale. If the ceiling has never been painted, you may be able to remove the popcorn texture yourself; otherwise, hiring a professional should get the job done quickly. Keep in PROJECT 3: REVITALIZE mind, popcorn textures and CEILINGS Don’t like the style of ceil- other ceilings applied before Dingy, cracked ceilings are eyesores that date a property ing you have? Many home- 1979 may have asbestos, so above-floor plumbing options would be an effective alternative at a much lower cost. He spent $1,100 and now estimates that adding a basement bathroom increased the value of the home by $20,000. Learn more about adding a bathroom anywhere you want without the traditional cost at go.saniflo.com.
and can make it look older than it is. By updating your ceiling, you not only improve the appearance, but you also increase the home’s overall value. If there are chips and cracks, it’s important to repair these issues before applying any paint. Once repaired, vacuum cobwebs and remove dust to ensure that fresh coat of ceiling paint adheres properly.
you’ll want to get it tested before removal. ENHANCE THE VALUE AND ENJOY THE RESULTS As you look at different properties, you imagine yourself in each house, enjoying the space and making memories. Even when you find “the one,” there are things you want to update. By making these improvements, you will personalize the space, instantly enhance the value and have a property you enjoy.
A NewsTribune Publication | Illinois Valley Homes | January/February 2021 13
815-223-1088
coldwellbankertoday.com
Pietro Alfano
Jaimie Bazydlo
Janet Benvenutti
Wendy Fulmer
Ashley Gonzales
Robin Guerrero
Linda Hamer
Peru – Quality in 2-bedroom, 1-bath home Peru – Spacious, 2-bedroom, 2-bath Ottawa – Great investment in this 2 unit, LaSalle – Nicely updated 3-bedroom, 1.5 with 1-car garage. home with eat-in kitchen. 2-bedroom duplex on corner lot. baths stone & cedar ranch home. #10943573 $119,900 #10943377 $142,000 #10941394 $139,000 #10941234 $225,000
Peru – Spacious 2-story home with 5 Oglesby – Spacious 4-bedroom, 1.75 bath LaRose – Updated 2-bedroom, 1-bath Princeton – Spacious home, 3 nice sized bedrooms, 2 baths & appliances. tri-level home with fireplace. home on edge of town. bedrooms with built-in drawers. #10940027 $92,000 #10939951 $175,000 #10933320 $53,900 #10933216 $84,900
Peru – Welcoming 4-bedroom, 2-bath LaSalle – Great income property, 4 Princeton – Affordable, charming Mendota – Amazing 3+/- acres of country home with open floor plan, close to park. bedrooms, 1 bath eat-in kitchen. 3-bedroom, 1-bath vinyl-sided home. property, 5 bedrooms, 2 baths. #10929701 $144,900 #10926309 $64,900 #10923895 $119,999 #10923004 $269,000
Peru – Enjoy this affordable 3-bedroom Peru – Duplex features 2-bedroom, 2-bath LaMoille – Authentic 3-bedroom, 1,769 Cherry – Spacious 3-bedroom, 1-bath home with 2 lots & updated windows. & 2-car attached garage for each unit. sq. ft. log cabin home on 7.5 wooded acres. home in small town living. #10921328 $88,900 #10920521 $349,000 #10918760 $349,000 #10918067 $58,900
Granville – Very nice, well kept LaSalle – Recently remodeled Italianate LaSalle – Large 3-bedroom home, Granville – Great 3-bedroom home on 3-bedroom home with 2-car garage. 2-story, 3-bedroom home. hardwood floors, great location. large lot with 2-car insulated garage. #10915712 $119,900 #10913241 $119,500 #10907652 $99,000 #10906221 $142,000 14 January/February 2021 | Illinois Valley Homes | A NewsTribune Publication
815-223-1088
coldwellbankertoday.com
Cherise Haymaker
Chris Hopps
Vincent Jessen
Barb Kuzma
Bonnie Lester
David Postula
Garry Schroeder
Henry – Stately 4-bedroom, 1.5 baths Granville – Room with this .91 acre lot, 3 Oglesby – Well maintained 3-bedroom, Bureau – Investment opportunity in this home on corner lot. bedrooms, 2.5 baths & more. 2-story home, welcoming foyer. 2-bedroom home, enclosed porch. #10897997 $94,500 #10895972 $150,000 #10894655 $249,900 #10894528 $50,000
LaSalle – Wonderful 2-story home with 3 Oglesby – Ranch home, 3 bedrooms, Sheffield – Private country farm features Henry – Spacious 3-bedroom, 1.5 baths bedrooms, main level laundry. large back yard & 2-car garage. log home with 4 bedrooms, & more. cedar sided ranch home. #10892715 $92,000 #10887400 $300,000 #10882648 $631,000 #10877332 $109,900
Hennepin – Move in ready with 2 LaSalle – Character & charm in this Streator – Affordable 4-bedroom, 2-bath Spring Valley – Lovely 3-4 bedroom, bedrooms, main level laundry. 4-bedroom, 4-bath brick home. home corner lot with covered porch. 1.5-baths spacious home with front porch. #10829924 $76,900 #10804148 $339,000 #10787929 $39,900 #10785320 $125,000
Oglesby – Nice 3-bedroom, 1.5-bath Peru – New construction ½ duplex with Peru – New construction ½ duplex with 2 Oglesby – Exquisite bed & breakfast mobile home with shed. 2100 sq. ft & 2 bedrooms. bedrooms, 3 season room. home with custom themed suites. #10782286 $12,900 #10781103 $350,000 #10781099 $350,000 #10773613 $599,000
LaSalle - Premier location, custom built Princeton – Beautiful prairie style home Hennepin – Gorgeous & well maintained LaSalle – Immaculate 3-4 bedroom, 2.5 4-bedroom, 3,922 sq. ft. home. with 6 bedrooms, 4 baths. 4-bedroom all brick home. baths home plus garage. #10713311 $496,500 #10711654 $259,900 #10635555 $384,000 #10619753 $149,900 A NewsTribune Publication | Illinois Valley Homes | January/February 2021 15
815-223-1088
coldwellbankertoday.com
TJ Templeton
Amber Witek
Carol Wlodarchak
Karen Yade
Karen Zermeno
Bob Huber
Tom Guttilla
COMMERCIAL
LaSalle – Neat & clean updated 2-story building in business district. #10917425 $88,000
Oglesby – Retail & office space in front, 3-bedroom apartment upstairs. #10841806 $229,900
Oglesby – Exquisite Brightwood Inn, 9 suite rooms, bed & breakfast. #10773669 $599,000
Mendota – Great investment, priced to sell, Duralast roof with warranty. #10743592 $118,900
LaSalle – Property offers everything with office & warehouse space, possible rental. #10728017 $120,000
Peru – High traffic corner, on-site parking, currently used for retail. #10622874 $135,999
Peru – Property consists of 2 structures plus lot, all being sold together. #10607635 $185,000
Oglesby – Camping in a wonderful 3.5 acre campground near state parks. #10542477 $269,000
LOTS
Heritage Fields Subdivision
Large residential building lots starting at $19,900. Curb & gutters, city sewer & water available. Close to I-39! Lot size begins at .25 an acre & covenants are available. Call Garry Schroeder at 815252-5854. MLS#10141625
Oak Bluff Court
Large residential building lots priced at $28,500. City utilities, underground utilities, curbs & sidewalks, close to interstate. Lot sizes from .25-.49 acre, 3 lots available, Waltham & LaSallePeru school district. Walking distance to golf course & historic downtown. Call Wendy Fulmer at 815-252-8280. MLS#08289751
Stone Bluff Terrace
Large, wooded building lots starting at $19,000. Water to site, gas & electric nearby. Overlooking scenic Vermilion River Valley! Lot sizes from .32-1.34 acres, 3 available lots. Call Chris Hopps at 815-252-5273. MLS#08273641 16 January/February 2021 | Illinois Valley Homes | A NewsTribune Publication
Starved Rock Realty
620 N. Di Division i i St St. Uti Utica (815) 667 667-9990 9990 www.starvedrockrealty.net t d k lt t
PUT THE STARVED ROCK REALTY TEAM TO WORK FOR YOU! Dee Barrera
Alice Green
Johanna Arkels
(815) 252-9696
(815) 488-9712
(815) 252-8026
Broker/Owner
Broker
Broker
Larla Grandadam
Denisse Perez
(815) 883-1353
(815) 326-8513
Broker
Broker
41 Waterside Way, Ottawa MLS #10952205 - $259,123 Also only minutes away from Starved Rock State Park This 2 Bedroom, 2.5 bath townhome has great water views from all three levels at Heritage Harbor in Ottawa. Enjoy multiple balconies, attached garage, and a walkout roof top deck! Some of the amenities include a dog park, walking paths, multiple private pools, beach volleyball, playground, & access to the I&M Canal just across the way! There is a two car tandem attached garage with tons of room for storage inside. All appliances are included; stove, refrigerator, dishwasher, washer, & dryer!
WE NEED MORE LISTINGS! LOOK AT WHAT WE’VE SOLD IN THE LAST 60 DAYS! LET US SELL YOUR HOME! 300 Gary St, Leonore $45,000
2517 E. 275th Rd. Peru $320,000
1029 W. Dakota St., Spring Valley $63,000
427 E Church St, Utica $72,000
2115 8th St. Peru $80,000
1108 South Park St., Streator $36,000
212 Saunders St., Dalzell $105,000
22417 Star Rd. Tampico $101,000
1279 N. 1550th Rd in Streator $158,500
2643 IL Route 178, Utica $112,000
327 E Washington St. Ottawa $165,000
420 4th St., LaSalle $75,000
1407 E. Wilson St, Streator $125,000
865 N. 2401 Rd. Oglesby $169,000
920 Illinois St., Ottawa $102,500
954 Melugins Grove Rd, Compton $215,000
6 Water St. Oglesby $189,900
310 S. Pleasant St., Princeton $122,500
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A NewsTribune Publication | Illinois Valley Homes | January/February 2021 17
Jumping on the real estate boom? Do your homework first may be looking to downsize. And many city dwellers are trying to move away from congested areas to smaller towns or suburbs. All of these changes, plus the low mortgage rates, have resulted in plenty of activity in the housWith so many more people ing market. working from home, people If you’re one of the many are re-evaluating their living spaces, including those who Americans considering a need to factor in homeschool- move, here are some tips to ing. Some families are realiz- navigating the process sucing they need more bedrooms, cessfully right now. larger yards or just more space in general. Others who have 1. CHECK YOUR CREDIT Long before you make any suffered financial setbacks (BPT) - Over the past several months, everyone’s lives have been upended, with consequences nobody predicted. One unexpected result of the pandemic? A real estate boom.
large purchase, whether it’s com, MyLendingTree.com a car or a home, you should and MyCreditGuide from check your credit score and American Express. your credit report. The VantageScore model, Before you even start scop- widely used by lenders, helps ing out neighborhoods, visit both consumers and lenders AnnualCreditReport.com, a by providing a more accurate site where you can access for representation of the risk for free your credit report - these someone to default on a paydays, on a weekly basis. Also ment on his/her loan. It also be sure to review the report provides more consistent to ensure there are no errors. scores regardless of which You can also check your Van- national credit reporting comtageScore credit score for free pany provides your score, at websites like CreditKarma. which is helpful especially for
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18 January/February 2021 | Illinois Valley Homes | A NewsTribune Publication
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No matter which strategies you use, allow a few months If your credit score is not up for your improved credit habits to show up on your report to par, improve it by: before applying for a mort Making timely payments gage. on bills, especially credit cards, and pay more than the 2. GET PRE-QUALIFIED FOR A MORTGAGE minimum when you can. Being pre-qualified makes Reducing the percent- you a much more attractive age of revolving credit you’re buyer. using by paying down some of The first step in getting your cards. Under 30% of the maximum credit available is pre-qualified is checking your credit score (see above). optimal. first-time home buyers.
Next, crunch some numbers. You’ll need to figure out your debt-to-income ratio (DTI) based on the anticipated mortgage monthly payment: How much (percentage) of your gross monthly income Keeping a neglected goes toward debt (student credit account active by mak- loans, credit cards, car paying a small purchase on it that ments, etc.)? Most mortgage lenders look for a DTI of 36% you can quickly pay off. or lower. If your DTI is high, Asking for your credit limits to be increased. If you increase the credit limit but don’t charge more on your card, you’ll be using a smaller percentage of your limit.
see if you can decrease your debt by paying some down and/or increase your income (perhaps with a part-time job).
narrowed down your choices, you can ask about visiting properties in person, following safety protocols.
Apply with a number of lenders - some will give you better rates than others. Before applying, ask what information and documents you (and your co-borrower, if there is one) will need. This will include proof of employment and income, plus previous tax returns.
4. LEAVE YOUR EMOTIONS AT THE DOOR Whether you’re buying and/ or selling, don’t let the emotions of the moment push you into making a hasty decision. Make sure you know your budget and the acceptable terms or conditions for the purchase (or sale). If the seller (or buyer) suddenly changes something about the deal - from the closing date to the offer or asking price don’t make a snap decision. Tell them you’ll think about it overnight and discuss it with your real estate agent. Weigh the pros and cons before agreeing.
Also, be sure to apply to all the lenders within a span of two weeks. That way, only one “credit inquiry” will impact your VantageScore credit score.
3. TAKE ADVANTAGE OF VIRTUAL HOME TOURS Save time and stay safe by For more financial tips and touring homes virtually while you’re in the initial stages of information about credit, visit house-hunting. Once you’ve www.yourvantagescore.com.
Financing your dreams is a phone call away.
Lisa Jo Mertel (815) 343-8924 NMLS# 224854
Think Mortgage Think Mertel Think OSB for financing opportunities
Purchase • Refinance • Construction • VA • FHA Rehab • First Time Home Buyers • 100% Financing
Ottawa Savings Bank
SM-LA1848167
SM-LA1848184
119 Joliet Street, LaSalle, IL 61301 815-433-2525
A NewsTribune Publication | Illinois Valley Homes | January/February 2021 19
Fall in Love With a New Home! Teamwork that works. teamnoblelandmarkrealty.com
Beth Mulcahy 815-866-3630
414 2nd Avenue, Ottawa MLS # 10942788 $158,000
524 South Spalding Street, Spring Valley MLS # 10946027 $130,000
PENDING
Roxana Noble 815-878-7171
Kaye Pearson 815-866-7783
9098 2425 North Avenue, Walnut MLS # 10958917 $235,000
PENDING
302 West Cook Street, Sheffield MLS # 10936920 $80,000
447 East Lincoln Street, Princeton MLS # 10958915 $69,000
308 N Pleasant, Princeton MLS # 10756800 $84,000
505 E Church St, Tiskilwa MLS # 10163209 $38,000
1909 Park Avenue West, Princeton MLS # 10738888 $169,000
1141 Fairway Drive, Princeton MLS # 10919852 $330,000
225 E Farnham, Sheffield MLS # 10801240 $114,900
PENDING 842 Kings Cove, Princeton MLS # 10926087 $208,000
PENDING
15.49 ACRES – ZONED R-1 804 West Hudson St., Princeton MLS # 10383031 $447,661
APARTMENTS/OFFICE
INVESTORS ONLY 18 Bradley St, Princeton MLS # 10495602 $140,000
303 West Morgan Street, Dixon MLS # 10949806 $149,000
24798 1900 North Avenue, Malden MLS # 10891754 $360,000
104 N Main St, Princeton MLS # 10755899 $105,000
Landmark Realty of Illinois, LLC 1221 North Main Street • Princeton, IL
20 January/February 2021 | Illinois Valley Homes | A NewsTribune Publication
at Team Noble – Landmark Realty
MLS# 10882856
1051 Ace Road, Princeton
$1,000,000
This impressive structure, located on 3.65 acres, incorporates a 3-story professional office building with a warehouse featuring over 9,000 sq.ft. of space, 22-foot ceilings, overhead crane capabilities, an observation deck, and two 18’ overhead doors. Newly-constructed, it boasts the latest in acoustically-treated metal, providing an NRC rating of 1.0 and an STC rating of 35. Centered in the heart of the I-80 corridor, it is strategically placed to access the major business hubs of Chicago, Rockford, Quad Cities, and Peoria. The office building is also available for lease at $3500 per month plus utilities.
MLS# 10803094
956 North Main Street, Princeton
$329,000
Amazing investment opportunity to own prime space in a prime location in Princeton’s up-and-coming north end Business District. This building can be one business or the space can accommodate up to 3 individual businesses under one roof. First floor has been totally renovated, and the second and third upstairs floors have had walls removed and are now huge open spaces that you can design into whatever you want them to be--condos? apartments? hotel rooms? an Event Center? Or perhaps a combination of those possibilities? The City Parking Lot right across the street provides ample parking. Call today for a private showing to see if this is the space for you!
MLS# 10916387
300 West Boyd Avenue, Princeton
$150,000
RARE FIND - 2.2 acres of land with a great location in the heart of town. Don’t let this one slip away! Often referred to as Russell Field, this land could be used so many ways: a gorgeous home site for one or multiple homes. All the homes around this land are Zoned R-1. Or perhaps it could be used as a serene park with mature trees for enjoying the outdoors. Let your imagination think of all the ways this prime acreage could be used! Drive by and see if this is the answer to your dreams. See Disclosures, Aerial Map, and Zoning Map under Additional Information. Note: Exact address to be determined.
Landmark Realty of Illinois, LLC 1221 North Main Street • Princeton, IL
at Team Noble – Landmark Realty
A NewsTribune Publication | Illinois Valley Homes | January/February 2021 21
Gonet Realty & Land Co. | Granville, IL 61326 61326 ille, IL www.gonetrealtyandland.com
14 Willow Ct. Spring Valley, IL MLS# 10722903
Mike Gonet, Managing Broker 815-481-2411 Mike_Gonet@hotmail.com
302 E. Hopkins Ave. Granville, IL MLS# 10955210
6 Westminster Dr. Spring Valley, IL MLS# 10789312 Angie Heckman, Broker 309-312-0180 Angie.Heckman@yahoo.com
416 S. 1st St. Princeton, IL MLS #10764261
Beth Coleman, Broker 815-252-2713 SoldbyBethColeman@gmail.com
730 Old 26 HWY Hennepin, IL MLS# 10781228
Beth Coleman, Broker 815-252-2713 SoldbyBethColeman@gmail.com 22 January/February 2021 | Illinois Valley Homes | A NewsTribune Publication
RE/MAX Lake of the Ozarks
The Beautiful Lake of the Ozarks Turns Yesterday’s Dream Into Tomorrow’’s Reality! y The Estates of Kinderhook Lot 8 Make the Lake Your Permanent Residence. Custom Built 5561 Square Foot Home Featuring Five Bedrooms, Five Bedrooms, and Three Car Attached Garage. This Home Sits on a Six Acre Lot Within a Gated Community. Enjoy the Spa or Gym Within the Clubhouse, Along With an Indoor and Outdoor Pool. Close to Golfing, Dining, and Entertainment.
Visit the Website or Call For More Listings! I am conti continuing tinuing ti i ngg th the he care career reeer I enj enjoyed njjoy yed while living in the Illinois Valley, to a position with RE/MAX Lake of the Ozarks. I am working with the Spouses Selling Houses Team. Looking forward to our new future here. If you or someone you know is looking to relocate or buy a vacation home in Beautiful Lake of the Ozarks, please contact me.
Gene Azarskis Realtor/Sales Of fice 573-302-2313 Cell 573-745-1254
www.GeneAzarskis.com A NewsTribune Publication | Illinois Valley Homes | January/February 2021 23
Landmark Realty of Illinois LLC 1221 North Main Street Princeton • Illinois • 61356 • 815-875-1221 illinoisvalleyhomeshow.com
Crystal Lilley
Janelle McCarter
Kendra Gentry
340 East Cook SHEFFIELD $68,000 3 BR – 1 Bath #10830491
24627 – 2030 E. St. KASBEER $77,900 2 BR – 1 Bath #10946892
0 – 2020 E. St. KASBEER $10,000 – Lot for Sale .40 acre (4.5 nice flat lots) #10946901
Mason Kimberley
Brenda Stanfield
Roxana Noble
Larry Thomas
Lauren Smith
Beth Mulcahy
324 South Main WALNUT $82,500 3 BR – 1 Bath #10943394
805 North Main PRINCETON $179,000 4 BR – 1 Bath #10945441
329 W. Marquette PRINCETON $82,900 3 BR – 1 Bath #10950155
Kaye Pearson
Marsha Lilley
Carrie Cobane
Josh Kleckner
12570 – 2100 N. Ave. PRINCETON $189,000 – Home on 2.5 acres Add the barn for $10,000 additional
#10948426
18 Bradley PRINCETON $140,000 – Long term Tenants Investors Only #10495602
613 E. Thompson PRINCETON $90,000 2 BR Condo Unit #10945370
Belinda Brown
Cheyenne Khounnha
Freda Wall
Eric Johnston
Jim Wall
Sara Osborn
524 S. Spalding St. SPRING VALLEY $130,000 5 BR – 1 Bath #10946027
Lot 405 – North Maple PRINCETON $18,000 Corner Lot – Fox Creek Subd. #10723796
24 January/February 2021 | Illinois Valley Homes | A NewsTribune Publication
4463 – US Hwy. 6 SHEFFIELD $70,000 4 BR – 1 Bath #10656470
Amber Wade