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540 Pearl Street, Ottawa, IL 61350.
Built in the early 1900s, this stunning vintage home is a rare blend of timeless craftsmanship and thoughtful modern updates. From the moment you step inside, you'll be captivated by the original crystal doorknobs, beautifully curated lighting, and architectural details that simply can't be recreated. The custom kitchen is truly a showpiece, featuring granite countertops, upscale appliances, and a layout designed for gathering and entertaining with ease. Natural light pours through the home, highlighting expansive living spaces rich with character and warmth. Offering four-plus bedrooms and plenty of extra rooms for offices, hobbies, or guest space, this home provides flexibility to fit your lifestyle. The previous owner poured her heart and energy into every detail, thoughtfully elevating each space into something truly special - blending historic charm with intentional design. Complete with a private coach house, one-car garage, and optional living space above, 540 Pearl isn't just a home... it's an experience.
MLS ID: 12557462
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540 Pearl Street, Ottawa, IL 61350.

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| Loan Type | 30 Year Fixed | FHA 30 Year Fixed | 15 Year Fixed |
| Purchase Price | $480,000 | $480,000 | $480,000 |
| Down Payment | $96,000 | $16,800 | $120,000 |
| Monthly Mortgage Amount | $2,241 | $2,750 | $2,918 |
| Taxes | $668 | $668 | $668 |
| Insurance | $100 | $100 | $100 |
| HOA/Dues/Fees | $0 | $0 | $0 |
| Monthly Mortage Insurance | $0 | $211 | $0 |
| Monthly Estimated Total | $3,049 | $3,769 | $3,726 |