Illinois Valley Homes A NewsTribune Publication | January 14, 2026
MLS# 12434184 - 443 E. Peru St., Princeton - $275,000 FEATURED PROPERTY
Character, charm, and the beauty of nature combine in this iconic Princeton home. This 3 bedroom, 2 1/2 bath 2-story home offers ample living space. The main floor consists of a large, updated kitchen with an island, dining and living rooms, sunroom, full bathroom, and laundry. Built-in features consist of 9-foot ceilings, original (unpainted!) trim, detailed millwork, framed windows, French doors, and a gorgeous banister. On the second floor are 3 bedrooms, a full bath, a kitchenette space, and a bonus room. With options for storage in the walk-up attic and the full, dry basement, you’ll have plenty of room for all of your items. What makes this property distinctive is the serenity found in the backyard oasis! Offering both peace and privacy, this haven has been professionally landscaped and showcases a multi-tiered naturallook water fountain. A stamped concrete patio connects to a large wooden deck. For colder evenings, gather around the firepit and relax in the Adironak chairs (included). An oversized heated 2-car garage has an attached storage shed/workshop. This home is well-maintained and move-in ready. New radon mitigation system installed 2025. Generac generator. Roof, furnace, AC, and water heater all new in 2019. Just a few blocks from Princeton’s South Main Street shopping district.
See listing on page 2
How much home can I afford? PAGE 3
Signs a fireplace is in need of repair PAGE 10
Common questions and answers about carpeting PAGE 14
We're in your corner! Lauren Smith 815-200-8746
MLS # 12434184
$275,000
443 E. Peru St. - Princeton, IL
Charming 3 Bed/2.5 Bath with 2-Car Detached Garage, on 1/2 Acre
MLS # 12439123
Beth Mulcahy Kaye Pearson 815-866-3630 815-866-7783
$179,900
3 Poplar Ct. - Putnam, IL
Ideal Cabin in the Woods with 3 Beds/1.5 Baths in Lake Thunderbird Community
MLS # 12419029
$199,900
103 S. Plum St. - Princeton, IL
4 Bed / 2 Bath Ranch with Lots of Updates, 2-Car Garage, & Full Basement
E IC E! PR NG A CH
MLS # 12497844
$127,000
MLS # 12513074
$199,999
532 7th St. - LaSalle, IL
107 E. Long St. - Ohio, IL
Solid 4 Bed / 2.5 Bath Brick Home with Full Basement & Main Floor Laundry
Spacious 5 Bed/2.5 Bath Farmhouse on 1.5 Acres on the Edge of Town
Land
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$150,000
0 Park Ave. W. - Princeton, IL
5 Separate Parcels Totaling just under 5 Acres in the heart of Princeton
The Cornerstone Team Landmark Realty of IL, LLC 2 January 2026 | Illinois Valley Homes | A NewsTribune Publication
1221 North Main Street Princeton Illinois 61356
How much home can I afford? By the third quarter of 2025, the tide seemingly began to turn in regard to a housing market that had been marked by limited inventory since the onset of the COVID-19 pandemic in 2020. According to market indicators from Redfin, the National Association of REALTORS® and Homes for Heroes, by the summer of 2025 things began to shift in regard to inventory (9.4 percent increase year-over-year). Prices also began to level off, as the median existing home price in the United States was $435,300 in June 2025, which marked a 2 percent increase from the previous year. Price reductions also became more common compared to 2024, signalling a cooldown in some segments. Although affordability concerns still persist, many people may finally be ready to enter the home-buying arena. When doing so, it’s essential prospective home buyers recognize how much they can comfortably spend on a home. Most experts suggest buyers combine lender affordability guidelines with an assessment of one’s personal budget. These factors can help individuals determine a reliable budget when shopping for homes. • Debt-to-income ratio: Lenders use various parameters to identify a borrower’s creditworthiness. That includes figuring out a person’s debtto-income ratio (DTI). Wells Fargo says DTI can be calculated by adding up all of a person’s monthly debt payments and dividing them by gross
monthly income. That number is multiplied by 100 to get a percentage. The lower the DTI, the less risky one is to lenders. • The 28/36 rule: Part of the DTI equation may include the 28/36 rule utilized by many mortg a g e lenders. This is a stand a r d guideline that can help one see if it’s possible to afford a home loan. The 28 percent is allotted housing costs. The monthly housing expenses (principal, interest, taxes, homeowners insurance, private mortgage insurance, and homeowners association fees) should be no more than 28 percent of one’s gross monthly income. One’s total monthly debt payments, including housing, car, loans, student loans, and credit cards, should be no more than 36 percent of the gross monthly income. So if a prospective home buyer earns $10,000 per month, or $120,000 per year, the housing costs should not exceed $2,800. Total debt payments, including housing, should not exceed $3,600 per month. • Personal budget considerations: Lenders may allow borrowers to borrow a certain amount of money, and buyers
means with an annual income of $100,000, one should aim for a home priced between $300,000 and $500,000. The specific range will also depend on a person’s existing debt. • Interest rates and other factors: The interest rate on home mortgages as well as down payment also must be considered. Resources like Bankrate and Zillow provide home affordability calculators that will factor in interest rates, terms of a loan, down payment, and property taxes. Buying a home when interest rates are high means spending more over the life of the loan. Also, how much one puts toward a down payment has a big impact. Aiming for 20 percent means avoiding paying for private mortgage insurance (PMI). There is no fail-safe way to determine how much home you can afford. Many factors are in play and are exclusive to buyers in the market for a new home. MM25C389
then go out and spend that much on a home. But to avoid living paycheck to paycheck and having all of one’s money go toward a home, it is best to account for personal spending habits and savings goals. It’s important to have an emergency funds account to pay for unexpected things like home repairs, or to account for instances when income may decline. Ongoing costs to manage the home also merit consideration, as do utilities and future renovations. • Income-to-home price ratio: Some people abide by another general guideline to shop for a home that costs no more than three to five times their annual household income. That
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Cooking up a kitchen remodel • Contractor work begins: It can take one to three weeks for contractors to install plumbing, mechanical components, electrical wiring, ductwork, and more, followed by structural needs and drywall, according to sink and faucet manufacturer Blanco. Flooring and cabinets will follow, and can take another week or more. Fabricating custom countertops is a lengthy process and can represent the bulk of a kitchen renovation timeline. Expect a few weeks for countertops to be measured, made and then installed. • Appliances and finishing touches: Appliances will be delivered and hooked up at the tail end of the renovation. Finally, the backsplash, fixtures and lighting are put into place. The last leg of the remodel will include painting, trim work and installation of hardware on cabinets and drawers. Once all the work is done, it is essential for homeowners to make sure everything is to their liking. According to HGTV and Kitchy Crouse of CK Interior Design, a regular kitchen renovation can take anywhere from six to 12 weeks. With so much time devoted to the space, homeowners should ensure it lives up to their expectations. As the renovation begins, homeowners should remember that unexpected issues can arise, including delays due to material availability or unforeseen challenges. Maintaining an open communication with the contractor, asking questions and remaining flexible helps. Although a kitchen remodel is initially disruptive, it is an investment that ultimately enhances a home’s value. FH259140
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successful kitchen renovation project requires careful planning and a detailed vision of what the space will look like upon completion. Whether a homeowner is thinking about giving the kitchen a major overhaul or just a minor refresh, bringing that vision to life doesn’t happen overnight. There is a process that must go into a kitchen renovation. Embarking on a kitchen remodel can be an exciting venture and homeowners may be eager to dive right in, but familiarizing oneself with what to expect prior to the start can help property owners navigate the process more smoothly. • Inspiration and design: The first phase involves dreaming up kitchen plans and making practical decisions regarding efficiency and functionality. Considerable time may be spent working with a designer and architect, which will involve choosing materials and a color scheme. • Creating a budget: According to Angi, the average kitchen remodel costs $26,934, but price ultimately varies depending on the scope of the work. Costs may be less or more depending on the size of the kitchen and the materials chosen. • Demolition: Before a homeowner can have a new kitchen, the old one must be removed. The real physical transformation begins with the demolition, which tends to be quick but messy. It is essential to set up an alternative “mini kitchen” elsewhere, or expect to be dining out throughout the remodel. The demo process may reveal any issues that will need to be remedied before the real work can begin, such as structural damage, leaks, mold, or other hiccups.
404 W.Main St., McNabb, IL • www.grassersplumbingheating.com A NewsTribune Publication | Illinois Valley Homes | January 2026 7
An American Design Masterpiece Timeless Elegance Meets Modern Comfort in a Three-Story Home Discover the perfect blend of historical charm and modern living in this exceptional three-story, 2,600 square foot, 4-bedroom, 3-car garage home. Every detail reflects the artistry and craftsmanship of classic American design, making it a true masterpiece for those who appreciate enduring beauty and quality. Original hardwood floors throughout the home, grounding each room in warmth and character. Stained and beveled-glass windows and intricate oak mouldings highlighting the walls and ceilings, offering a touch of sophistication and timeless appeal.
2 0 6 W . E R I E S T R E E T | S P R I N G V A L L E Y, I L
8 January 2026 | Illinois Valley Homes | A NewsTribune Publication
MOVE RIGHT INTO THIS AMAZING 2-BDRM HOME FEATURING MANY UPDATES, HARDWOOD FLOORING PLUS A 2.5 CAR GARAGE. ALL APPLIANCES INCLUDED! $175,000 122 PORTLAND AVE., OGLESBY, IL
ESTABLISHED-ICONIC BUSINESS FOR SALE! INCLUDES REAL ESTATE, C-STORE, AUTO REPAIR, & SO MUCH MORE! HAPPY'S SUPER SERVICE LOCATED AT 101 E. DAKOTA ST, SPRING VALLEY, IL, STANDS AS THE LEADING PROVIDER OF FULL-SERVICE GAS & AUTO REPAIR SERVICES IN THE REGION SINCE 1936!
PRIVATE SETTING W/LG YARD! HOME -OR- BUSINESS OPEN PLAN W/GREAT ROOM FIREPLACE,CENTRALLY LOCATED IN PERU! 2-BATHRMS, OAK FLOORING /FULLLARGE YARD W/GARAGE. BASEMENT. $189,000 APPLIANCES INCLUDED. $169,000 TH 932 25 ST., LA SALLE, IL 2302 4 TH ST., PERU, IL
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CHARMING 2-STORY HOME FEATURES 3-BDRMS, 2-CAR GARAGE, CONCRETE DRIVEWAY & PATIO AREA. $192,500 - 405 W. CLEVELAND ST., SPRING VALLEY, IL
2-ACRES -PERU REMODELED HOME! 3-Bdrm / 2 Garages Fenced Pasture
82 N 23rd | Peru, IL
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A NewsTribune Publication | Illinois Valley Homes | January 2026 9
Signs a fireplace is in need of repair The American Heritage Insurance Group notes that neglect of chimneys and fireplaces can pose a range of notable dangers, including increased risk for carbon monoxide poisoning and chimney fires. Poorly maintained fireplaces also may fail prematurely, which is not insignificant, as a new fireplace can cost thousands of dollars. With so much to gain from a well-maintained fireplace, homeowners can learn to spot signs suggesting a unit is in need of repair. • Insufficiently vented smoke: Smoke from a fireplace is meant to go up and out of a home through the chimney. If that’s not happening, and smoke is instead entering living spaces, then a fireplace and chimney inspection is in order. When such situations unfold, the chimney may be blocked or a damper may be damaged. Such issues are easily and often affordably resolved. But smoke coming
into a home also might indicate structural damage to the chimney or fireplace, which can be a more costly fix. • Foul odors: Fireplace afficionados tend to love the smoky aroma that emanates from the fixtures while a fire is burning. If that familiar aroma has been overtaken by a foul odor, then there might be a buildup of creosote within the chimney. The United States Environmental Protection Agency notes creosote is a derivative of the distillation of tar from wood or coal. Though creosote is a byproduct of burning wood, if it’s allowed to accumulate over time, the risk of chimney fires increases considerably. A foul odor coming from the fireplace, particularly when it’s not in use, is a sign of excessive creosote buildup, which necessitates immediate remediation. • Water damage: Water damage, which can manifest as rust or dampness around
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10 January 2026 | Illinois Valley Homes | A NewsTribune Publication
the fireplace or chimney, is another sign a fireplace is in need of repair. Water damage often indicates that water is getting inside. Sometimes that’s due to a faulty chimney cap, which is a simple and affordable repair. Other times it could indicate issues with the masonry, which requires a more costly fix. • Diminished warmth: If cuddling up around the fireplace isn’t quite as cozy as it used to be, that drop in warmth
could indicate issues with airflow or suggest the buildup of creosote. Diminished warmth around a lit fireplace should be brought to the attention of a fireplace professional immediately. These are not the only potential indicators that a fireplace is in need of repair. Physical signs like cracks or loose masonry and even unusual noises like cracking sounds also indicate repairs might be necessary. SH262608
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coldwellbankertoday.com
Jaime Bazydlo
Janet Benvenutti
Laura Butterfield
Wendy Fulmer
Kelli Geinosky
Todd Gensler
Robin Guerrero
RESIDENTIAL LISTINGS
Leonore-Nice 3 bedroom, 1.5 bath home, partially finished basement, covered front porch, 2 car garage. #12525703 $149,900
LaSalle-Maintenance free exterior 3 bedroom, 1 bath home, lovely front porch, deck, fenced yard, garage. #12525454 $123,900
Spring Valley-One-story 2 bedroom, 1 bath home, enclosed back porch, full basement, 1 car garage. #12523414 $130,000
Lostant-Affordable 3 bedroom, 1 bath home, full basement, 1 car detached garage, storage shed. #12522322 $124,900
LaSalle-Move right into this 2 bedroom, 1 bath home, sunny deck off rear of house, off street parking. #12521418 $129,900
Ottawa- Charming tri-level 3 bedroom, 1 bath home on quiet street, 1 car garage, fenced back yard. #12519088 $210,000
Standard-Located on dead-end street, 2 bedroom, 1 bath home, 2 car & 1 car garages, carport & shed. #12532944 $69,900
Peru-Beautifully updated 3 bedroom, 1.5 bath home on corner lot, main level laundry, off-street parking. #12486446 $189,000
Mendota-Classic Victorian 5 bedroom, 3 bath home on spacious corner lot, original woodwork, 2 car garage. #12486254 $275,000
A NewsTribune Publication | Illinois Valley Homes | January 2026 11
815-223-1088
coldwellbankertoday.com
Judd Heess
Chris Hopps
Vincent Jessen
Barb Kuzma
Bonnie Lester
Garry Schroeder
Marcelo Soto
RESIDENTIAL LISTINGS
LaSalle-Roomy 3 bedroom, 1 bath home, original hardwood floors, enclosed back porch, 1 car garage. #12481596 $135,000
Wyanet-Spacious 5 bedroom, 2 bath country home on 1.48 acres, 2 car garage and 1 car/shed for storage. #12480075 $220,000
LaSalle-Spacious 3 bedroom, 2 bath home, 1 car garage, deck, garden shed, basement with workshop. #12472027 $135,000
LaSalle-Convenient foyer welcomes you to this 3 bedroom, 2 bath home, fenced back yard, 2 car garage. #12470762 $189,500
Princeton-Spacious 3 bedroom, 2.5 bath home, family room with woodburning stove, 2 car garage. #12456965 $239,000
Peru-Brick 3 bedroom, 2 bath ranch home, walk-out basement, oversized 1 car garage, fenced yard. #12453406 $199,900
Peru-Charming 3 bedroom, 2 bath Victorian style home, large backyard with storage shed. #12437042 $169,900
Spring Valley-Spacious 4 bedroom, 2.5 bath home, usable basement is partially finished, oversized garage. #12435585 $164,900
LaSalle-Brick & vinyl 3 bedroom, 2 bath ranch home, open concept living area, 4 car attached garage. #12425436 $415,000
Mendota-Former church with 1,596 sq ft of space, potential for residential 2 unit, full basement. #12403022 $85,000
Mendota-Fully rented, spacious 2 unit apartment building, each unit features 1,275 sq ft living space. #12402086 $155,000
Spring Valley-Cozy 2 bedroom, 1 bath home, sunny front deck, covered patio, 1 car garage. #12302340 $129,900
12 January 2026 | Illinois Valley Homes | A NewsTribune Publication
815-223-1088
coldwellbankertoday.com
TJ Templeton
Amber Witek
Carol Wlodarchak
Karen Zermeno
Heidi Huber
Bob Huber
Tom Guttilla
SUBDIVISIONS
VERMILIONVUE SUBDIVISION
Located in the picturesque countryside. Lot size ½ - 1+ acre starting at $29,000. City sewer, water, underground utilities, covenants and restrictions apply. Call Wendy Fulmer @ 815-252-8280 or Barb Kuzma @ 815-343-1433. MLS#12061416 RESIDENTIAL LOT LISTINGS Ottawa-Nestled on the bank of the Illinois River, 13+ acres with endless possibilities................. #12494739 ................$850,000 Peru-Duplex lot in charming development, HOA annual dues cover yard and snow...................... #12458015 ....................$80,000 Peru-Well-kept development, duplex lot, protected by restrictive covenants.................................... #12458004...................$80,000 Peru-Single family lot in small-scale development, professionally managed HOA.......................... #12457972 ....................$80,000 LaSalle-Rare double residential building lot in desirable, established neighborhood ................. #12446696 ..................$39,000 LaSalle-Prime residential building lot, offers all utilities to site, near parks/schools..................... #12446631....................$20,000 LaSalle-Desirable residential building lot offers ideal setting for your home..................................... #12405806 ..................$59,900 LaSalle-Located in well-established subdivision near golf course.......................................................... #12405625 ...................$59,900 Oglesby-Great building lot in subdivision, all city utilities, flat land ......................................................... #12404452....................$19,000 Oglesby-Good flat building lot in subdivision, all city utilities ...................................................................... #12404332 ....................$19,000 Ladd-Smaller lot adjacent to larger parcel also for sale................................................................................... #12373746 ........................$7,000 Ladd-Enjoy small town life, buildable corner lot................................................................................................... #12373713......................$18,000 Oglesby-Large wooded 1.34 acre building lot overlooking Vermillion River Valley.......................... #12364915....................$35,000 Utica-Buildable lot on a quiet private road, short walk to downtown...................................................... #12333052...................$39,000 Oglesby-Great buildable .35 acre buildable corner lot, utilities to site.................................................... #12316507 ....................$20,000 Oglesby-Single family .28 acre lot, all utilities available to site.................................................................... #12316435....................$20,000 Oglesby-Buildable .29 acre residential lot with utilities to site.................................................................... #12316244 ....................$20,000 Princeton-Picturesque 4.91 acres, nestled in secluded area with a private drive........................... #12183454.................... $75,000 Utica-Approx 8.32 acre parcel, wonderful building site, close to interstate/town ........................... #12177674 ................... $415,000 Oglesby-Buildable residential lot in Heritage Fields Subdivision, 2nd Addition................................ #10141658.....................$22,900 A NewsTribune Publication | Illinois Valley Homes | January 2026 13
Common questions and answers about carpeting No two homeowners are the same, and that’s perhaps most evident in the design decisions individuals make when decorating their homes. Flooring is among the first things a person notices when entering a home, and the array of options consumers have when choosing flooring materials underscores how unique each homeowner is. Carpeting is a popular flooring option. Many homeowners prefer carpeting because they feel it helps to create a cozy, welcoming vibe in a home. Consumers considering carpet for their homes may have some common questions, and answers to those inquiries can help homeowners determine if carpeting is for them. IS CARPETING EXPENSIVE? Home renovations are expensive, and the cost of a project is often the first question homeowners have. The cost of
carpeting for the first time, homeowners may notice carpet padding costs on their estimate and wonder what it is and if it’s truly necessary. Carpet padding is necessary, as Flooring101.com notes that it keeps the underside of the carpet from wearing against the subfloor while absorbing the impact of foot traffic and furniture. That absorption helps to reduce stress on the carpet and thus extend its life expectancy. Carpet padding also can have an insulating effect and help to reduce sound in a room. So while carpet padding might be a costly expense on an itemized estimate, it’s well worth the investment. Carpeting can help make a home feel more cozy and welcoming. Homeowners can work with a local carpeting retailer to find a carpet that IS CARPET PADDING A MUST? Carpet padding is one of meets their needs and fits their HOW DIFFERENT ARE CARPETthe costs associated with car- budget. ING MATERIALS? HI254745 Carpeting materials differ in peting. When shopping for carpeting varies widely and is contingent on an array of variables unique to each home and homeowner, including square footage, materials chosen by the homeowner and the cost of labor associated with installation, which can vary significantly between locations. According to the online renovation resource HomeAdvisor, the average cost to install or replace carpet is between $782 and $2,812. That wide range illustrates how much the cost of the project will be affected by variables unique to each project. However, even homeowners who come in around or above the high end of that estimate may find carpet installation is among the more affordable ways to give the interior of a home an entirely new look and feel.
their look, feel and function. The home renovation experts at Angi.com note that some carpet fibers are better suited to areas in a home that attract a lot of foot traffic, while others make for better options in areas with less use, such as a bedroom or home office. For example, Angi.com notes that polyester has a luxurious, soft feel, making it a strong option for bedroom floors. Nylon carpet fiber is resistant to stains and damage and maintains its height under heavy weight, making this a good option in heavily trafficked rooms. Homeowners can discuss each carpeting material with their flooring retailer to determine which suits their budget and which is best in each room of their homes.
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A NewsTribune Publication | Illinois Valley Homes | January 2026 15
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16 January 2026 | Illinois Valley Homes | A NewsTribune Publication