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16 Spring Garden Drive , Montgomery, IL 60538.
Charming and well-maintained 3-bedroom, 1.5-bath ranch situated on a .21-acre lot with a chain-link fenced yard and mature trees-perfect for relaxing, entertaining, or letting pets play. This home offers a versatile layout featuring a separate living room plus a cozy family room with a relaxing fireplace. The updated kitchen provides ample table space, stainless steel appliances, and functionality ideal for everyday living. A large laundry room adds even more value with bonus space perfect for a home office, hobby area, or extra storage. Additional highlights include a one-car garage and thoughtful updates throughout. Major improvements include new flooring and carpet (2019), new furnace and A/C (2020), hot water heater (2019), and washer and dryer (2021)-offering peace of mind for the next owner. Ideally located near pickleball courts, Winrock Public Pool, walking trails, shopping, dining, and other local amenities, this home combines comfort, convenience, and move-in readiness. A fantastic opportunity to own a well-updated ranch in a desirable location!
MLS ID: 12558912
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16 Spring Garden Drive , Montgomery, IL 60538.

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| Loan Type | 30 Year Fixed | FHA 30 Year Fixed | 15 Year Fixed |
| Purchase Price | $279,900 | $279,900 | $279,900 |
| Down Payment | $55,980 | $9,797 | $69,975 |
| Monthly Mortgage Amount | $1,289 | $1,604 | $1,674 |
| Taxes | $390 | $390 | $390 |
| Insurance | $100 | $100 | $100 |
| HOA/Dues/Fees | $0 | $0 | $0 |
| Monthly Mortage Insurance | $0 | $123 | $0 |
| Monthly Estimated Total | $1,779 | $2,217 | $2,164 |