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2643 N Il Route 178, Unit 6-1, Utica, IL 61373.
Your retreat in the Illinois River Valley awaits. Nestled inside the gated Grand Bear Resort subdivision, this 2-bed, 2-bath villa delivers true resort-style living just minutes from Starved Rock, Matthiessen, and Buffalo Rock State Parks - surrounded by miles of scenic canyon trails, waterfalls, and year-round outdoor recreation. The open main level flows from a well-appointed kitchen with breakfast bar into a dining area and living room anchored by a cozy gas fireplace. Upstairs, two generous bedrooms with vaulted ceilings give a true escape from the everyday. The master suite is a standout: private gas fireplace, whirlpool tub, separate shower, walk-in closet, and its own balcony overlooking the wooded grounds. Front and rear balconies frame peaceful tree canopy views in every season. Main-level laundry adds convenience, and all appliances are included. The HOA delivers genuinely maintenance-free living - cable, internet, water, trash, snow removal, lawn care, and all exterior maintenance covered. New roof recently completed. Whether you're looking for a full-time residence, weekend getaway, or income-producing rental, this villa checks every box. Minutes to downtown Utica's boutique shops, dining, and wineries. Decks were replaced this year, until is fully furnished and ready to rent.
MLS ID: 12678201
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2643 N Il Route 178, Unit 6-1, Utica, IL 61373.

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| Loan Type | 30 Year Fixed | FHA 30 Year Fixed | 15 Year Fixed |
| Purchase Price | $163,000 | $163,000 | $163,000 |
| Down Payment | $32,600 | $5,705 | $40,750 |
| Monthly Mortgage Amount | $792 | $972 | $1,007 |
| Taxes | $227 | $227 | $227 |
| Insurance | $100 | $100 | $100 |
| HOA/Dues/Fees | $0 | $0 | $0 |
| Monthly Mortage Insurance | $0 | $72 | $0 |
| Monthly Estimated Total | $1,119 | $1,371 | $1,334 |
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