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806 Phillips Ferry Road, Bluffs, IL 62621.
This meticulously maintained home offers extensive upgrades inside and out. Enjoy nearly $150,000 in professional front and rear stone landscaping with steps, retaining walls, patios, and a real wood fire pit. The home boasts a new roof (2021), updated HVAC, all new windows (2023?2024), and a newly sealed driveway and patio (2025). Inside, the home features a fully updated kitchen and dining area with new flooring (2023), under-cabinet lighting (2025), a Newtone central vac system, and updated laundry (2023). Bathrooms have been refreshed with custom shower doors, vanities, flooring, and premium Kohler fixtures. Finished lower-level space, dimmable lighting in the master, custom Hunter Douglas blinds, and two updated gas fireplaces add both comfort and style. Tech-ready upgrades include Starlink and Dish wiring, exterior speakers, exterior TV setup, HDMI cabling to the family room and basement, and a custom mantle TV bracket. Appliances, including the electric stove, refrigerator, dishwasher, and beverage center, are included. Additional highlights: a built-in Napoleon grill with hard-plumbed LP tank, 30 ft. commercial flagpole with lighting, Shrock shed, recent septic service, and a wired hot tub connection. This home truly combines modern convenience, thoughtful updates, and beautiful outdoor living spaces.
MLS ID: CA1038970
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806 Phillips Ferry Road, Bluffs, IL 62621.

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| Loan Type | 30 Year Fixed | FHA 30 Year Fixed | 15 Year Fixed |
| Purchase Price | $399,000 | $399,000 | $399,000 |
| Down Payment | $79,800 | $13,965 | $99,750 |
| Monthly Mortgage Amount | $1,863 | $2,349 | $2,425 |
| Taxes | $555 | $555 | $555 |
| Insurance | $100 | $100 | $100 |
| HOA/Dues/Fees | $0 | $0 | $0 |
| Monthly Mortage Insurance | $0 | $175 | $0 |
| Monthly Estimated Total | $2,534 | $3,195 | $3,096 |