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12984 State Route 78 Road, Havana, IL 62644.
Enjoy stunning views year-round from this beautifully updated lakefront home at Matanza Beach! Nestled on Matanza Lake, this charming property offers endless opportunities for fishing, water recreation, bird-watching, eagle spotting, and unforgettable sunsets right from your own backyard. This inviting 2BR/1BA home is perfect as a relaxing weekend retreat or a comfortable full-time residence. The main level features a spacious living room and an eat-in kitchen with included appliances and new stove (2026). Also on the main level is a stunning family room overlooking the lake and two full, comfortable bedrooms. The basement level provides even more living space with a large recreational room, laundry room with included washer and dryer, water softener, plenty of storage, and a convenient front walkout. Additionally, a small basement chest freezer stays with the house. Step outside to enjoy the expansive 28' x 22' lake-facing deck ? the perfect spot for morning coffee and soaking in the views. Recent updates include select plumbing, drain lines and stack (2026), a whole-house 20-kW Honeywell generator (2024), septic system (2023), 200-amp electrical box (2022), and central air (2020). Your lake lifestyle is waiting ? come experience all that Matanza Beach has to offer!
MLS ID: CA1044222
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12984 State Route 78 Road, Havana, IL 62644.

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| Loan Type | 30 Year Fixed | FHA 30 Year Fixed | 15 Year Fixed |
| Purchase Price | $159,900 | $159,900 | $159,900 |
| Down Payment | $31,980 | $5,597 | $39,975 |
| Monthly Mortgage Amount | $788 | $967 | $988 |
| Taxes | $223 | $223 | $223 |
| Insurance | $100 | $100 | $100 |
| HOA/Dues/Fees | $0 | $0 | $0 |
| Monthly Mortage Insurance | $0 | $70 | $0 |
| Monthly Estimated Total | $1,111 | $1,360 | $1,311 |
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