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130 W Garfield Street, Waterman, IL 60556.
Welcome to 130 West Garfield! This charming 3-bedroom, 1-bath home is filled with character, beautiful original details, and several important updates. Built as a Sears home, the property showcases unique craftsmanship, including beautiful built-ins, arched doorways, and hardwood floors that add warmth and personality throughout. The main level features a primary bedroom, making one-level living an option, along with inviting living spaces highlighted by a wood-burning fireplace. Hardwood flooring runs throughout much of the main level and upstairs, with durable tile flooring in the kitchen. The bathroom was updated in 2025, and the upstairs windows were also replaced in 2025. Several major exterior improvements have already been completed, including a new roof in 2023 and a new concrete driveway in 2023. The home features aluminum siding, a refinished deck, and a yard shaded by large, mature hardwood trees. The heated garage is another great bonus, especially during Illinois winters. A backup heater in the basement is also in place for an additional heat source in the event of a power outage. With its classic Sears-home character, original built-ins, arched openings, hardwood floors, mature trees, and thoughtful updates, 130 West Garfield offers the kind of charm you simply don't find in every home.
MLS ID: 12739489
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130 W Garfield Street, Waterman, IL 60556.

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| Loan Type | 30 Year Fixed | FHA 30 Year Fixed | 15 Year Fixed |
| Purchase Price | $250,000 | $250,000 | $250,000 |
| Down Payment | $50,000 | $8,750 | $62,500 |
| Monthly Mortgage Amount | $1,264 | $1,552 | $1,570 |
| Taxes | $348 | $348 | $348 |
| Insurance | $100 | $100 | $100 |
| HOA/Dues/Fees | $0 | $0 | $0 |
| Monthly Mortage Insurance | $0 | $110 | $0 |
| Monthly Estimated Total | $1,712 | $2,110 | $2,018 |
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