LAND CONTRACT AVAILABLE, no bank loan or appraisal needed. Owner-occupant terms: 22,500 dollars down, 360 monthly payments of 1,852.35 dollars, 10.5 percent APR. Payment excludes taxes and insurance, so the actual payment will be higher. Other terms available. Classic brick Colonial, approx. 2,300 sq ft, 4 bedrooms, 3 full baths, sold as-is with the big items done: roof approx. 4 yrs old, central air approx. 1 yr old, newer furnace and water heater, updated kitchen with granite, new cabinets and stainless appliances. Main floor: living room with wood-burning fireplace, dining area, bedroom with adjoining full bath. Upstairs: 3 more bedrooms incl. primary suite with walk-in closet and dual-sink bath, plus a large bonus room. Unfinished basement, screened deck. Remaining work: upper gutters, flashing and siding at part of the soffits, trim, drywall patching and paint, several interior doors, stair railing and porch paint. Seller estimate 7,000 to 15,000 dollars, buyer to verify.