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114 Willow Circle, Shelby, IA 51570.
Enjoy the modern finishes of this beautiful 4-bedroom, 3-bath ranch-style home built in 2020, offering convenient main level living with a full basement finished in 2023. The open-concept main level features spacious living, dining and kitchen areas with granite countertops, luxury vinyl plank flooring and carpeting. The primary suite includes a private bath and walk-in closet, with two additional bedrooms and a full bath. The main level also houses the laundry room and a drop zone. Washer, dryer and kitchen appliances are included. The recently completed full basement features a spacious family room with recreation area, fourth bedroom, full bath and a large storage/utility room which could also be utilized as an exercise area. The walkout basement provides access to the concrete patio and peaceful backyard with a great panoramic view. A wood deck off the dining area overlooks the patio below. The established 0.23-acre lot is situated on a quiet cul-de-sac with easy access to I-80. The two-car attached garage is insulated and equipped with electricity. Additional features include a radon mitigation system and attractive stone and vinyl exterior. This listing is move-in ready with a great layout, finished basement and it is in a desirable location. Make an appointment to check it out in person!
MLS ID: 6341816
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114 Willow Circle, Shelby, IA 51570.

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| Loan Type | 30 Year Fixed | FHA 30 Year Fixed | 15 Year Fixed |
| Purchase Price | $390,000 | $390,000 | $390,000 |
| Down Payment | $78,000 | $13,650 | $97,500 |
| Monthly Mortgage Amount | $1,946 | $2,389 | $2,429 |
| Taxes | $543 | $543 | $543 |
| Insurance | $100 | $100 | $100 |
| HOA/Dues/Fees | $0 | $0 | $0 |
| Monthly Mortage Insurance | $0 | $172 | $0 |
| Monthly Estimated Total | $2,603 | $3,218 | $3,086 |
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