5180 W Cantrell St Decatur, IL 62522
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About this home
Nestled on 7.26 peaceful acres on the outskirts of town, this one-of-a-kind property offers the best of both worlds - the tranquility of a wooded retreat with the convenience of nearby amenities. The property's natural setting features mature trees, winding trails, a small creek, a tree stand, an elevated hunting blind, and even a food plot, creating an outdoor paradise for nature lovers, hunters, and anyone seeking a private escape. A firepit area in the clearing makes the perfect gathering spot for family and friends under the stars. Step inside this well-designed ranch home and experience an inviting open floor plan with warm hardwood flooring throughout the main living spaces. The spacious living room flows seamlessly into the dining area and gourmet kitchen, where you'll find a large island with breakfast bar, abundant cabinetry, and all stainless steel appliances-including oven/range, refrigerator, dishwasher, microwave, and range hood. Just off the kitchen, you'll appreciate a large walk-in pantry, laundry room, and direct access to the oversized garage with high ceilings, excellent storage, and room for a workbench or hobby area. The main level primary suite provides a relaxing retreat, complete with dual walk-in closets and a spa-inspired bathroom featuring a soaking tub, separate shower, and dual-sink vanity. The main level also opens to a full-length covered front porch, perfect for enjoying your morning coffee, and a large covered back deck ideal for entertaining or grilling while overlooking the wooded backdrop. The fully finished walk-out basement expands your living space with a massive family room perfect for a theater, game, or playroom. You'll also find two additional bedrooms, a full bathroom, a bonus room, and a huge unfinished area offering incredible storage potential and easy access to mechanicals. The basement leads out to a large concrete patio where you can relax and enjoy peaceful views of nature all around. Recent updates and extras include solar panels by Route 66 installed in 2024, a new septic system in 2022, and Culligan water treatment equipment added in 2021. This home is equipped with an efficient geothermal heating and cooling system, providing year-round comfort while significantly reducing utility costs compared to traditional HVAC systems. A lofted garden shed provides additional outdoor storage, while the backyard offers 3 apple trees and 1 pear tree for seasonal enjoyment. The home's thoughtful design and energy-efficient improvements provide comfort, style, and sustainability for years to come. From sunrise coffee on the porch to sunset strolls along wooded trails, every moment here invites you to slow down and appreciate the beauty that surrounds you. If you've been searching for a home that combines acreage, modern living, and unmatched privacy-this is the one!
Source: MRED #12497624
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FAQs
Roam is your trusted partner for affordable home ownership. We help manage the assumption process from start to finish, enabling homebuyers to easily purchase their next home with a low-interest rate mortgage attached.
To qualify, you must meet the current FHA, VA, or USDA loan requirements depending on the type of loan you are assuming. This typically means a minimum credit score of 580, although most lenders prefer 620-640. Your debt-to-income ratio should be under the 50% max under FHA guidelines. Additional information such as employment history, explanations of income for each applicant, and asset verification for a down payment may be needed to process the loan.
An assumable mortgage is a type of home loan that allows a homebuyer to take over the existing mortgage terms from the seller, with no cost to the seller. Many government-backed loans, such as FHA and VA loans, are eligible for assumption, and millions of these mortgages are available.
When interest rates on mortgages are high, assuming a mortgage with a rate as low as 2% allows buyers to save up to thousands monthly compared to buying a home with a traditional mortgage at today’s average rates of 7%. A low-rate assumable mortgage could be the key to finding your dream home at an affordable price.
Roam has compiled available listings with low-rate assumable mortgages for you to browse. To get started, enter the city, state, zip code, or school district you’re interested in purchasing in. Utilize the search filters to narrow down your search. Click “Save search” to save your search preferences and activate listing notifications—we’ll email you as soon as new listings match your criteria.
Once you’ve found your dream home and ready to make an offer, schedule a call with a Roam Advisor directly from the listing. Your Roam Advisor will guide you through each step of the process, while also working directly with your agent, the servicer, and the seller to ensure you close on time.
When assuming the existing mortgage as part of a home purchase, the buyer has to cover the seller’s equity in the home. The seller’s equity is the purchase price minus the remaining mortgage balance. This amount must be covered in full through an all-cash down payment or by taking out a second mortgage.
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