213 S 6TH St, Lovejoy, IL

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213 S 6TH St, Lovejoy, IL | HUDPRO

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HUDPRO Insight

What this property is

In practical terms, this is a comfortable 3-bedroom, 1-bath single family home with 1,456 sq ft on a standard lot built in 1945. Lovejoy, IL looks more rural/suburban on paper — verify drive time, insurance, and contractor availability before you commit.

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Financing & repairs

IE (insurable with escrow) signals required repairs handled at closing via repair escrow — still a 203(b) path for many buyers, but the escrow amount and timeline matter as much as list price. Selling as-is often means HUD is not budgeting turn-key cosmetics — budget contingency for systems, moisture, and deferred maintenance even on insurable cases. 203(k) eligibility on the listing is a green light to discuss renovation financing — not a guarantee your contractor timeline fits the bid window. FHA $100 Down can reduce cash-to-close for eligible owner-occupants — program rules still apply to case status and bidding period.

Repair escrow (IE) guide HUD financing guide $100 Down listings

Buyer competition & practicality

Exclusive or lottery-style periods can narrow who may bid and when — match your agent’s registration to the case rules before you tour. At roughly 2 days on market, this is relatively fresh HUD inventory — competition can spike once photos and PCR circulate.

HUD buyer workflow Market News

Current bid phase

Owner Occupied*

All Bidders

* Owner Occupied includes non-profits & government agencies only

HUDPRO Property Snapshot

👎 Be careful with this one

Listing has had limited market response

Days on Market2 days

Price TrendStable

Listing ActivityUpdated

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HUD Program Eligibility

$100 Down EligibleYes

Good Neighbor Next DoorNo

203(k) Eligible – Repairs & Renovations FinancingYes

FHA StatusIE (Insured Escrow)

HUD List Price

$29,000

$100 Down Eligible

3 bd · 1 ba · 1,456 sq ft

Built 1945 · Lot 5,950 sq ft

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Saint Clair County, ILReal estate agent

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Saint Clair County, ILMortgage broker

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Saint Clair County, ILHome inspector

Bid DateThu, Oct 22 • 11:59 PM CT

Buyer FitPhase: Owner Occupied · Insured Escrow

Property Snapshot3 bd / 1 ba · 1,456 sq ft

Financing203(k): Eligible · $100 Down

HUDPRO Buyer Report

Here's what we think
about this home.

213 S 6TH St, Lovejoy IL 62059 · Listed $29,000

Valuation data not available

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Is This a Deal?

—

Valuation data not available

Can I Finance It?

FHA Options

Includes 203(k) rehab financing

Check with a HUDPRO mortgage partner for all options

Monthly ownership?

~$184 / mo

P&I from list price — no HOA on listing; add tax, insurance & MIP for full cost. Illustrative 30-yr FHA P&I at ~6.875% with 3.5% down. Not a lender quote.

How Much Work?

$15k – $25k

Moderate repairs estimated

Basic payment estimate

Principal & interest only — illustrative, not a loan offer. Plus or Elite adds HOA, taxes, insurance, MIP, and the full ownership breakdown.

Purchase priceDown payment (%)Interest rate (%)Term (years)

Est. monthly P&I: ~$177 / mo

Plus or Elite: full cost breakdown & deeper repair context →

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Real Deal™ score & value vs. market
Deep repair & condition context
Full ownership & scenario modeling
Strategy guidance

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How Urgent Is This?

8 days left

Bids due: Thu, Oct 22 (11:59 PM CT)

Homes like this move fast. Schedule a showing now.

Contact your HUDPRO team above to schedule a viewing before the deadline.

Buyer Eligibility

Owner-occupants only

Must be your primary residence for at least 12 months.

No investors during this period.

Recent Sold HUD Homes in This County

Archived HUD sales in Saint Clair County — use as context, not a formal appraisal.

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Investors

Deal metrics

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List $ / sq ft

$20

From list price & square footage (not compare API)

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Listing data reflects publicly available HUD program information. Confirm property details, market conditions, and bidding strategy with a HUD-experienced real estate professional familiar with your target area.