Girard Homes with Conventional Financing

Welcome to Girard, Kansas – a hidden gem nestled in the heart of Crawford County! This charming city boasts a rich history, a warm community spirit, and a vibrant atmosphere that makes it an ideal place to call home. With a population of just over 2,600 residents, Girard offers a small-town feel while still providing easy access to larger urban amenities in nearby cities.

One of the standout features of Girard is its picturesque landscape, characterized by beautiful parks, tree-lined streets, and friendly neighborhoods. The city is known for its strong sense of community, where neighbors become friends and local events bring everyone together. Whether you’re enjoying a leisurely stroll through the historic downtown area or participating in seasonal festivities, Girard is a place where memories are made.

For those looking to settle down in Girard, the housing market offers a variety of options, including homes eligible for conventional financing. This means that prospective buyers can take advantage of traditional mortgage options, making homeownership more accessible. From charming bungalows to spacious family homes, there’s something for everyone in this inviting community.

In addition to its appealing homes, Girard is home to excellent schools, recreational facilities, and local shops that cater to all your needs. With a strong sense of pride and belonging, Girard is not just a place to live – it’s a place to thrive. Come explore the possibilities and discover why so many are choosing to make Girard their forever home!

Newest Girard Homes with Conventional Financing

$415,000

4 Beds ⋅ 3 Baths

Country Living on 3.5 Acres Just 6 Miles West of Girard! Enjoy the peace and privacy of country living on 3.5 beautifully fenced acres, complete with a gated, tree-lined driveway. Built in 2017, this spacious 2,304 sq. ft. home offers 4 bedrooms and 2 bathrooms with a warm, inviting design. The heart of the home features a large, open-concept kitchen, dining, and living area with beautiful hardwood floors and wood ceilings. The kitchen offers plenty of workspace and storage, including a huge walk-in pantry. The primary suite includes a large soaking tub, walk-in shower, and spacious walk-in closet. Step outside to enjoy the large covered front porch or relax on the spacious back deck overlooking the property. The attached oversized one-car garage provides convenient access to the home. For those needing extra workspace or storage, this property offers an impressive 60' x 40' shop built in 2020, plus a large detached garage built in 2016. The detached garage includes additional finished space that could make a great man cave, hobby area, office, or potentially a small apartment. A full bathroom is also located in the detached shop/garage area. With plenty of room for equipment, hobbies, animals, or simply enjoying the outdoors, this property offers the perfect combination of comfortable country living and functional outbuildings. The entire property is fenced with a gated entrance. Come enjoy the space, privacy, and possibilities this 3.5-acre property has to offer!

123 N 3 Highway, Girard

Listing courtesy of Ashley Butcher of ReeceNichols Sunflower Realty Group.

$75,000

2 Beds ⋅ 1 Baths

Charming 2-Bedroom Home Near the Park! This cozy 2-bedroom, 1-bath home offers convenient one-level living and sits on a nice-sized lot with a detached 1-car garage. The range, refrigerator, washer, and dryer are all included. A newer roof in 2021, adds peace of mind. While the home does not have central heat or air, its location is hard to beat—just one block from the local park and swimming pool! A great opportunity for a first-time buyer, investor, or anyone looking for an affordable home in a convenient location.

209 S Carbon Street, Girard

Listing courtesy of Robert Cobb of Cobb Realty Inc.

$175,000

3 Beds ⋅ 2 Baths

Move-in ready, beautifully updated, and offering a valuable tax incentive—this 3-bedroom, 2-bath home in Girard is one you won't want to overlook! Featuring approximately 1,534 square feet of comfortable living space, this thoughtfully renovated home offers the character of an established neighborhood with the updates today's buyers are looking for. The kitchen features beautiful cabinets and countertops and modern finishes, while the spacious primary suite offers a private retreat with a generous walk-in closet. Both bathrooms have been updated, and the home is ready for its next owner to move right in. A seperate utility room is an additional bonus to this home. One of the property's standout financial benefits is its eligibility for a Neighborhood Revitalization tax rebate through 2033. The seller received approximately $2,545 back in 2025, offering a significant potential savings opportunity for the next owner. Buyers are encouraged to verify rebate details with the appropriate taxing authority. Outside, the property offers nearly half an acre within Girard city limits, providing an unusually spacious backyard with plenty of room to enjoy the outdoors. A detached 2 car garage provides additional parking and storage. Located conveniently near schools, downtown Girard, and area amenities, this home combines thoughtful updates, a spacious lot, desirable amenities, and a potential tax savings opportunity that makes it a particularly compelling value. Updated. Spacious. Move-in ready. Sitting on 2 lots. And with potential tax savings through 2033—this is one you'll want to see in person.

404 & 406 W Buffalo Street, Girard

Listing courtesy of Monica Angeles of Monica & Co. Realtors.

$189,000

4 Beds ⋅ 2 Baths

Spacious, 4-bedroom home, 1 block from Girard High School. Fenced backyard; kitchen appliances and water heater are only a few years old. Large master suite with bathroom and walk-in closet. Whole house water filter system. Attic fan. New exterior paint.

415 N Ozark Street, Girard

Listing courtesy of Chuck Parsons of Cobb Realty Inc.

$15,000

Nice city lot in Girard with outbuilding/garage.

712 E Walnut Street, Girard

Listing courtesy of Jason Lehman of Lehman Realty.

$179,500

4 Beds ⋅ 2 Baths

When you think of the quintessential white-picket-fence home, this is the one that comes to mind! Beautifully refreshed and thoughtfully updated, this home sits on nearly half an acre in town and has had extensive updates. Featuring 4 bedrooms and 2 bathrooms, the home welcomes you with updates that include fresh interior and exterior paint, new flooring throughout, insulated windows, updated PEX plumbing, new electrical service, new gutters, and a brand-new roof. The foundation has also been tuckpointed, offering peace of mind alongside the home's undeniable charm. Step outside and the magic continues. An inviting front porch or the side porch, both set the stage for slow mornings and relaxing evenings, while the privacy-fenced backyard creates a true outdoor retreat. The beautifully landscaped grounds, featuring thousands of dollars in landscaping, provide a private and picturesque setting for entertaining, gardening, or simply enjoying your own backyard oasis. Warm, elegant, and move-in ready, this is more than a house—it’s the kind of home that instantly feels like it was meant to be yours.

109 N Western N/A, Girard

Listing courtesy of Monica Angeles of Monica & Co. Realtors.

$868,250

151-Acre Tillable Farm & Premier Hunting Property Opportunities like this don’t come along often! This exceptional 151-acre property offers a combination of productive tillable farmland, quality wildlife habitat, water, and convenient access, all located along a paved road just outside the city limits. The property features approximately 120 acres of tillable farm ground, providing excellent agricultural potential and long-term investment appeal. Adding to the property’s recreational value is a beautiful 1.5-acre pond, offering excellent fishing and an ideal setting for duck hunting. Approximately 30 acres of mature timber provide outstanding habitat for deer and turkey, creating a premier hunting environment. The combination of abundant cover, multiple food sources, timber, and water gives wildlife everything they need to thrive and provides the habitat and security needed to hold and grow big deer. The diverse layout of the property creates natural travel corridors and excellent opportunities for both deer and turkey hunting. With productive farmland, timber, a private pond, quality wildlife habitat, and paved-road access just outside the city limits, this property offers a rare combination of income potential, recreation, and future investment opportunity. Whether you’re looking for a strong agricultural investment, a premier hunting tract, or a property with room for future possibilities, this 151-acre offering deserves a close look.

N Western Avenue, Girard

Listing courtesy of Craig Siebert of Lehman Realty.

$339,995

Commercial opportunity in Girard offering approximately 3,500 square feet of functional space on a .75 acre lot. Currently utilized as a tax preparation agency, the versatile layout can accommodate a variety of business uses. The property features 2 bathrooms and a large amount of buildable space, providing excellent potential for future expansion or additional development. The building can be purchased with existing tenants in place for an investment opportunity or vacant for personal business use. A flexible commercial property with room to grow and multiple possibilities.

605 W Saint John Street, Girard

Listing courtesy of Don Fifer of The Essential Real Estate.

$120,000

3 Beds ⋅ 1 Baths

VERY NICE PRICE IMPROVEMENT on this 3 bed ranch home situated on a quiet residential street in Girard, KS, offering the perfect blend of comfort, convenience, and small-town charm. Whether you're a first-time homebuyer, or searching for an investment opportunity, this property presents exceptional potential. The functional floor plan provides comfortable everyday living while offering flexibility to personalize and make the home your own. The kitchen is designed with ample cabinetry and workspace. Refrigerator, range and dishwasher are staying in "as is" condition. Outside, you will find a patio and a backyard that offers plenty of room for gardening, outdoor gatherings, pets, or simply relaxing and enjoying the peaceful surroundings. Additional detached garage offers space for more vehicles, storage or a shop with convenient rear alley access. New roof in 2025 and HVAC has new freon & motor. This home is being sold in it's present condition, with buyer inspections welcomed. Located just minutes from schools, parks, shopping, and local dining, this home combines neighborhood tranquility with easy access to local amenities. Why not take a look soon? ;-)

708 E Orange Street, Girard

Listing courtesy of Teresa Wallen of Jones Heritage, REALTORS.

$118,000

Excellent opportunity to own a well-established commercial property in a high-visibility location with prime highway frontage in Girard, Kansas. This approximately 1,990-square-foot building was previously operated as a restaurant and is well-suited for a restaurant, café, retail space, office, or a variety of other commercial ventures. The property offers excellent exposure to passing traffic and features a drive-thru service window, parking for more than 25 vehicles, existing exterior signage, and handicap accessibility. Inside, you'll find a commercial kitchen with equipment and coolers, along with tables and chairs in the dining area, allowing many of the essentials to remain in place for the next owner. Additional features include two restrooms, an office and storage areas, two central heating and air units, and a flexible floor plan designed to accommodate a variety of business needs. Situated on nearly one-half acre, this property provides ample space and outstanding visibility in a high-traffic location. Whether you're expanding an existing business or launching a new venture, this commercial property offers the location, infrastructure, and versatility to help bring your vision to life.

205 W Saint John Street, Girard

Listing courtesy of Sally Davis of Sally Davis Real Estate LLC.

$499,000

4 Beds ⋅ 4.5 Baths

This gorgeous three-to-four-bedroom home is setting on a beautiful lot in a semi-secluded neighborhood. From the light fixtures to the Arkansas rock patio, it is all quality workmanship. Nice open floor plan for the kitchen with huge island with bar stools, two dining areas and two sitting areas. The master suite is on one side of the home, and the other three bedrooms are on the other end. One room is being used as an office with beautiful built-ins. The whole upstairs is made for entertaining. Pool table that stays with the property, built in bar with four bar stools and a home theater area. The shuffle board table does not stay. All kitchen appliances stay. There are two hot water heaters with continuous hot water system. The home has two full bathrooms and three half bathrooms, one of which is upstairs.

2 Timbercreek Road, Girard

Listing courtesy of Robert Cobb of Cobb Realty Inc.

$10,000

NEW PRICE is MIGHTY NICE! Corner city lot 50 x 200 in Girard, KS. Buildable with variance guidelines already approved and available. Utilities accessible that ran to a previous home, which was removed at corner of Ricky Bennett and S Osage. Chain link fencing to alley at east portion of over 10,000 sq ft lot. Great location close to town activities & amenities!

600 S Osage Street, Girard

Listing courtesy of Teresa Wallen of Jones Heritage, REALTORS.

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