Ottawa Homes with Conventional Financing

Ottawa Homes with Conventional Financing

Welcome to Ottawa, a charming city located in Franklin County, Kansas. Known for its rich history, friendly community, and beautiful natural surroundings, Ottawa is a wonderful place to call home.

Ottawa offers a mix of historic and modern homes, making it an ideal location for those looking to settle down in a welcoming neighborhood. With conventional financing options available, owning a home in Ottawa is a dream within reach for many.

Whether you're looking for a cozy bungalow, a spacious family home, or a stylish modern apartment, Ottawa has a range of options to suit every taste and budget. From tree-lined streets to peaceful suburban communities, there is something for everyone in this vibrant city.

In addition to its residential charm, Ottawa boasts a thriving downtown area with local shops, restaurants, and community events. Residents can enjoy a high quality of life with access to parks, schools, and recreational facilities.

If you're considering making Ottawa your new home, now is the perfect time to explore the real estate market and find your dream property. With conventional financing options available, turning your homeownership goals into reality has never been easier. Come and discover all that Ottawa has to offer – you may just find your perfect place to call home.

Newest Ottawa Homes with Conventional 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.
$279,000
3 Beds ⋅ 1.5 Baths
Welcome home to 1324 South Oak in Ottawa! This charming 3-bedroom, 1 1/2-bath home offers the perfect blend of comfort, convenience, and space for everyday living. From the moment you arrive, you'll appreciate the inviting curb appeal and the attached garage that adds both functionality and ease. Inside, you'll find a comfortable living space designed for relaxing, entertaining, and making lasting memories. The spacious layout provides room for everyone, while the two full bathrooms add convenience for busy households. Step outside to discover a large backyard—perfect for summer barbecues, gardening, pets, or simply enjoying peaceful evenings under the Kansas sky. Whether you're hosting family gatherings or creating your own outdoor oasis, this generous yard offers endless possibilities. Conveniently located in an established Ottawa neighborhood with easy access to schools, parks, shopping, and dining, this home is an excellent opportunity for first-time buyers, growing families, or anyone looking for a place to call home. Property comes with a Seller’s $3000 allowance toward either closing cost or flooring for the buyer to decide. Don't miss your chance to own this inviting property at 1324 South Oak—schedule your private showing today and imagine the possibilities!

1324 S Oak Street, Ottawa

Listing courtesy of Tom Schull of Signature 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.
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