Ottawa Homes with Cash Financing

Welcome to Ottawa, a charming city located in Franklin County, Kansas. Known for its friendly community and small-town atmosphere, Ottawa offers a peaceful and serene setting for residents to call home.

With a rich history dating back to the 19th century, Ottawa boasts beautiful historic architecture, tree-lined streets, and a vibrant downtown area filled with shops, restaurants, and cultural attractions. Residents can enjoy a variety of outdoor activities in the city's parks, trails, and recreational areas.

For those looking to purchase a home in Ottawa, cash financing is a viable option. Homes with cash financing provide buyers with the opportunity for a quick and seamless transaction, allowing them to secure their dream home without the need for a mortgage. This can be particularly advantageous for buyers looking to move quickly or for those who may not qualify for traditional financing options.

Whether you're drawn to Ottawa for its historic charm, tight-knit community, or picturesque surroundings, this city offers a quality of life that is truly unmatched. Explore the real estate opportunities in Ottawa today and discover the perfect place to call home.

Newest Ottawa Homes with Cash Financing

$382,500

4 Beds ⋅ 3.5 Baths

Welcome to this spacious and inviting home tucked away on a charming street. Thoughtfully designed for everyday living and entertaining, this home offers the perfect balance of open-concept living with functional, defined spaces—all with no HOA. The main level features a private first-floor primary suite, a beautiful kitchen with abundant cabinet space, generous countertops, exceptional storage, inviting living areas centered around a cozy fireplace, and a convenient first-floor laundry/mudroom. Upstairs, you’ll find a dedicated wing, providing privacy for the primary suite while keeping everyone close. The newly finished basement adds incredible living space with a large recreation room, a spacious bonus room with a walk-in closet, a dedicated workshop perfect for hobbies or storage, and plenty of additional storage. Step outside to enjoy the huge, fully fenced backyard featuring a recently restored privacy fence and refreshed deck, perfect for entertaining, relaxing, or gardening. This move-in ready home offers 4 bedrooms, 3.5 bathrooms, finished living space, a bathroom on every level, flexible spaces for a home office, guest room, or hobbies, and exceptional storage throughout. Whether you’re hosting holidays, working from home, or simply enjoying evenings by the fire or in the backyard, this home offers space and flexibility. Don’t miss your chance to make this exceptional home yours!

1735 S Ash Street, Ottawa

Listing courtesy of Pamela Chyba of ListWithFreedom.com Inc.

$650,000

4 Beds ⋅ 3.5 Baths

This one hits all the marks. Quality construction, Brick Ranch, 3 car side load garage, large rooms, screened in porch, Trex deck, brick lower patio wired for a hot tub. Backs up to treed lot. Asphalt drive in a great subdivision. AI Lighting and Staging are used in this Listing

2530 Greenwood Drive, Ottawa

Listing courtesy of Brett Chartier of Crown Realty.

$299,900

4 Beds ⋅ 2.5 Baths

Tucked away at the end of a street and backing to open green space, this well-maintained 4-bedroom, 2.5-bath ranch offers the space, updates, and setting you've been looking for. With a full finished basement and a bonus non-conforming bedroom, there's plenty of room to fit your lifestyle. The beautifully remodeled kitchen is ready for everyday living and entertaining, with all kitchen appliances included. Main-level living provides added convenience, while the finished basement expands your living space for recreation, hobbies, a home office, or guests. Enjoy expansive front and back decks, an oversized one-car garage, and the peace of mind of a brand-new roof. Located near the park, pickleball courts, and downtown, this home combines a convenient location with the privacy of backing to green space. Well cared for, move-in ready, and full of possibilities…this home is ready to welcome its next owner.

707 E 3rd Street, Ottawa

Listing courtesy of Denise Bridwell of KW Diamond Partners.

$339,500

3 Beds ⋅ 2 Baths

Welcome home to this stunning new construction ranch offering the perfect blend of modern style and everyday comfort. This thoughtfully designed 3-bedroom, 2-bath home features an open-concept floor plan with a spacious vaulted living room highlighted by a beautiful fireplace with a custom tile surround. Luxury vinyl tile flooring flows throughout the main living areas, while plush carpeting adds warmth and comfort to each bedroom. The well-appointed kitchen is designed to impress with granite countertops, a large center island, upgraded lighting, and a full suite of Whirlpool appliances. Just off the kitchen, you'll find a generously sized laundry room that adds convenience to your daily routine. The private owner's suite offers a relaxing retreat with a spacious walk-in closet, double vanity, and a beautifully tiled walk-in shower. Granite countertops continue throughout both bathrooms, providing a cohesive, upscale finish. Outside, the attached three-car garage provides plenty of room for vehicles, storage, and hobbies. Situated on a large corner lot, the home offers excellent curb appeal and extra outdoor space. A sliding glass door from the living room leads to a concrete patio where you can unwind while enjoying peaceful views of the open field behind the property—creating the perfect setting for morning coffee, evening sunsets, or entertaining family and friends. With quality finishes, an exceptional layout, and a desirable location, this beautiful new construction home is ready for you to move in and enjoy.

1602 Bluestem Drive, Ottawa

Listing courtesy of Cal Lantis of Front Porch Real Estate.

$265,000

Excellent investment opportunity! This well-maintained triplex offers strong income potential with three updated units and modern finishes throughout. Apartment A features a spacious 3-bedroom, 2-bath layout, while Apartments B and C each offer 1 bedroom and 1 bath, making this an attractive property for a variety of tenants. Recent interior updates include luxury vinyl plank flooring, updated kitchens with shaker-style cabinetry, refreshed bathrooms, fresh paint, and modern fixtures. A shared onsite laundry facility provides additional convenience for residents. The property boasts charming curb appeal with a welcoming wraparound porch, vinyl siding for low-maintenance ownership, off-street parking, and a generous corner lot. Whether you’re looking to expand your investment portfolio or live in one unit while generating rental income from the others, this property offers an excellent opportunity. Schedule your private showing today!

417 W 2nd Street, Ottawa

Listing courtesy of Jenna Pearce of Grit Real Estate LLC.

$255,000

3 Beds ⋅ 1 Baths

Completely renovated and move-in ready, this charming 3-bedroom, 1-bath home offers the perfect blend of modern updates and comfortable living. With 1,368 square feet of thoughtfully refreshed living space, you'll enjoy a home that is ready for its next owners from day one. Situated on a spacious 13,260-square-foot lot, the partially fenced backyard provides plenty of room to relax, entertain, or let your furry friends play safely. A 1-car attached garage adds everyday convenience and additional storage. Whether you're searching for your first home, looking to downsize, or simply wanting a beautifully updated property with room to enjoy both indoors and out, this one is ready to welcome you home. Schedule your private showing today!

1419 S Hickory Street, Ottawa

Listing courtesy of Brent Rodina of KW Diamond Partners.

$375,000

3 Beds ⋅ 2 Baths

Spacious Solar home sits on almost Half an Acre Lot (.42 acre) in a Quiet Neighborhood & it's move-in ready! This Accessible, One Level home has an Updated Kitchen, user-friendly Fireplace, Walk-in Closets, Patio & the work's all been done! The Brand-new primary bath (Aug 2025) has a 5' Onyx shower w/Built-In Seat & Double Vanity with Brushed Nickel trimmings. Other updates include: 2024 - Keyless Garage Entry & Doorbelll; 2023 - Pella windows throughout with custom Veneta blinds & new Smoke Alarms; 2022 - HVAC replaced; 2019 - HiMacs Countertops/Seamless Sink, Faucet, Backsplash, Painted Kitchen Cabinets, Guttering & Downspouts; 2018 - Solar Panels east & south sides; 2017 - 6' Privacy Fence, Roof replaced, Interior/Exterior Paint, LVP flooring & Garden Shed. Thermal Attic Blanket over the garage, raised garden beds--one has strawberries, also Redbud, Dogwood, Lilacs, Red maples, Gingko, Boxwoods, a Regal Prince Oak & more. Easy access to I-35, K-68 & all parts of town. Lots to appreciate & enjoy with this home--Don't miss out!

747 S Beech Street, Ottawa

Listing courtesy of Lori Hedges of Platinum Realty LLC.

$110,000

Your future home site sits adjacent to your private pond, stocked with fish and ready for fun in the sun in just outside of city limits in Franklin County! Let your imagination run wild on this beautiful 6.7 acres off pavement; convenient access to highways with a short 10 minute drive from town. There are some nice treed areas around the pond and the perfectly elevated plot on the back southern corner to build you future home!

3088 Sand Creek Road, Ottawa

Listing courtesy of Beth Faulkner of RE/MAX Premier Realty.

$70,000

2 Beds ⋅ 1 Baths

Fixer-upper and investor special. Prime Proximity to Ottawa University – Just a short stroll or quick drive from campus (1001 S. Cedar St.), this home is ideal for student housing, faculty, or anyone wanting easy access to OU’s vibrant academic community. Enjoy the energy of college life while benefiting from steady rental demand in this established area. ? Ottawa, Kansas, blends small-town warmth with rich history and modern appeal. Named after the Ottawa Tribe, the city was founded in the 1860s near the Marais des Cygnes River and grew into a railroad and agricultural hub. Fun highlights include: • World’s Oldest Operating Movie Theater: Plaza 1907 (certified by Guinness) has been screening films since 1905—catch a flick in this downtown gem! ? • Stunning Architecture: The Franklin County Courthouse (1893, designed by local legend George P. Washburn) and historic Main Street with Victorian facades evoke a classic Midwest charm. ? • Outdoor Recreation: Trails like the Prairie Spirit Trail State Park start right here, connecting to over 170 miles of paths for biking, hiking, and exploring. ? • Community & Culture: Home to Ottawa University (est. 1865), festivals, car shows, the Old Depot Museum, and a strong sense of hometown pride.

737 S cherry Street, Ottawa

Listing courtesy of Joe Kosko of Easy Realty LLC.

$115,000

4 Beds ⋅ 2 Baths

Brand New Roof ! Calling all investors, contractors, and experienced renovators! This property offers significant potential but is in need of extensive repairs and updating throughout. The home is being sold in its present condition, with the seller making no repairs. Bring your vision and transform this property into a profitable investment, rental, or future home. Buyers are encouraged to complete all desired inspections and verify all property information. Cash or renovation financing may be required due to the property’s condition.

703 E 4th Street, Ottawa

Listing courtesy of Bryn Mcreynolds of Advance Realty Group LLC.

$1,150,000

3 Beds ⋅ 2.5 Baths

This exceptional property features a spacious 3-bedroom, 2.5-bath home with approximately 2,500 square feet of living space, complemented by an impressive 5,000-square-foot shop with endless potential. Situated on approximately 79.6 acres, the property offers a diverse landscape that includes row-crop ground, pastureland, a pond, and mature trees. The crop ground is not being farmed this year, providing a blank canvas for your agricultural, recreational, or development plans. Whether you're looking for space to store a prized car collection, house farm equipment, operate a business, or pursue aviation interests, the expansive shop can accommodate a wide range of uses. Aviation enthusiasts may even consider converting the shop into a hangar and transforming a portion of the open ground into a private airstrip. With abundant acreage, versatile improvements, and limitless possibilities, this is a rare opportunity to create the lifestyle you've always envisioned.

2216 Eisenhower Road, Ottawa

Listing courtesy of Vance Finch of Prestige Real Estate.

$235,000

3 Beds ⋅ 2 Baths

Completely Remodeled 1.5-Story Home in the Heart of Ottawa! This beautifully renovated home offers the perfect blend of historic charm and modern convenience. Nearly everything is brand new, and all renovation work was completed with permits and approved by the City of Ottawa, providing peace of mind for the new owner. The stunning kitchen features brand-new stainless steel appliances, high-end quartz countertops, and beautiful tile flooring that extends into the spacious full bathroom and laundry room. Luxury vinyl plank flooring flows throughout the rest of the home, providing durability and a modern look. The spacious living room offers flexibility and can easily be converted into a fourth bedroom, home office, or guest space. Upstairs, you’ll find two comfortable bedrooms and a full bathroom. Additional updates include a roof that is only one year old, as well as a newly installed gravel driveway. Conveniently located just minutes from Ottawa University, shopping, dining, and downtown amenities, this move-in-ready home is a rare opportunity to enjoy modern living in a classic Ottawa setting. Features: Completely remodeled All renovation work permitted and approved by the City of Ottawa High-end quartz countertops Brand-new stainless steel appliances Tile flooring in kitchen and bathrooms Luxury vinyl plank flooring throughout Flexible floor plan with potential 4th bedroom Roof approximately 1 year old Minutes from Ottawa University Move-in ready and waiting for its next owner!

1216 S Cedar Street, Ottawa

Listing courtesy of Christina Yang of Platinum Realty LLC.

Start Your Search

The data relating to real estate displayed on this website comes in part from the Heartland Multiple Listing Service database compilation. The properties displayed on this website may not be all of the properties in the Heartland MLS database compilation, or all of the properties listed with other brokers participating in the Heartland MLS IDX program. Detailed information about the properties displayed on this website includes the name of the listing company.

The information displayed on this page is confidential, proprietary, and copyrighted information of Heartland Multiple Listing Service, Inc. (“Heartland MLS”). Copyright 2026, Heartland Multiple Listing Service, Inc. Heartland MLS and the company represented by this website do not make any warranty or representation concerning the timeliness or accuracy of the information displayed herein. In consideration for the receipt of the information on this page, the recipient agrees to use the information solely for the private noncommercial purpose of identifying a property in which the recipient has a good faith interest in acquiring. Data last updated . Terms of Use