Ottawa Homes with FHA Financing

Ottawa Homes with FHA Financing

Welcome to Ottawa, a charming city located in Franklin County, Kansas. Known for its friendly community and rich history, Ottawa offers a peaceful small-town atmosphere while still providing easy access to big-city amenities.

Ottawa is a great place to call home for those looking for a tight-knit community with a strong sense of pride. The city boasts a variety of recreational opportunities, including parks, hiking trails, and community events. Residents can enjoy the beautiful outdoors while still being close to all the conveniences they need.

For those looking to purchase a home in Ottawa, FHA financing is available, making it easier for first-time homebuyers and those with less-than-perfect credit to achieve their dream of homeownership. With FHA loans, buyers can benefit from lower down payments and competitive interest rates, making buying a home in Ottawa more affordable and accessible.

Whether you're looking for a cozy bungalow in the heart of the city or a spacious family home in a quiet neighborhood, Ottawa has something to offer everyone. Come and discover why so many people are proud to call Ottawa home.

Newest Ottawa Homes with FHA 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.
$115,000
2 Beds ⋅ 1 Baths
Welcome home to this charming 2-bedroom, 1-bath bungalow nestled in the heart of Ottawa! Built in 1940, this home is full of character and offers an excellent opportunity for a first-time homebuyer looking to enjoy all the conveniences of living in town. It's also a fantastic option for investors seeking their next rental property or flip project. Conveniently located near local shopping, dining, parks, and schools, this property offers endless potential to make it your own. Whether you're searching for your first home or your next investment, this Ottawa gem is one you won't want to miss!

707 S Tremont Avenue, Ottawa

Listing courtesy of Brent Rodina of KW Diamond Partners.
$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.
$159,900
3 Beds ⋅ 1 Baths
Stop Renting and Start Building Equity! This charming 3-bedroom, 1.5-story home is the perfect opportunity for first-time home buyers looking to own instead of rent. Featuring beautiful hardwood floors, this home offers warmth and character throughout. Situated on a spacious corner lot, it also includes a detached 2-car garage, providing plenty of room for parking, storage, or hobbies. With space to make it your own and an affordable opportunity to invest in your future, this home is one you won't want to miss. Schedule your showing today!

848 Tremont Street, Ottawa

Listing courtesy of Sharon Hubbard of RE/MAX Connections.
$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.
$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.
$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.
$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.
$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.
$224,900
3 Beds ⋅ 2 Baths
Charming New Construction, Perfect for First-Time Buyers! Step into homeownership with this beautifully designed 3-bedroom, 2-bath new construction home! Thoughtfully crafted for comfort and convenience, this home features durable vinyl plank flooring throughout the main living areas and soft carpet in the bedrooms for a cozy touch. The open-concept layout offers a bright and airy feel, perfect for entertaining or relaxing. The modern kitchen comes fully equipped with a stove, microwave, and dishwasher, so you can move right in with ease. The spacious primary suite provides a private bath and a generous closet, while the additional bedrooms offer flexibility for guests, a home office, or a growing family. Step outside to enjoy your patio, perfect for morning coffee or evening relaxation. Plus, with a 10-YEAR TAX REBATE, this home is not only stylish and comfortable but also a fantastic financial opportunity. Don’t wait, schedule your showing today and make this home yours!

835 S Cherry Street, Ottawa

Listing courtesy of Sharon Hubbard of RE/MAX Connections.
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