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

$499,990
4 Beds ⋅ 3.5 Baths
Some properties make you choose between space and convenience. This one doesn't. Sitting on over 2 acres just outside Ottawa, this 3,400 sq ft home gives you the privacy and elbow room of acreage living without the tradeoff of a long drive for groceries or errands, with grocery stores less than 5 minutes away and just a 3 minute drive to get to I-35 Inside, you've got 4 bedrooms and 3.5 baths spread across a layout built for actual living, not just showing well. The finished basement adds serious flex space: think second living room, home gym, media setup, or a hangout spot for kids and guests that doesn't eat into your main floor. The 2-car garage is in pristine condition and keeps things practical day to day. At $500,000, you're getting acreage, size, and a finished lower level in a market where most listings force you to pick one or two of those. Meadow Lake Estates is the perfect neighborhood where you have your own space to actually use your property while still having all the conveniences of a town. If you've been looking for something with room to breathe that doesn't strand you thirty minutes from town, this is worth a look. Book a showing today.

2 Fairview Drive, Ottawa

Listing courtesy of Jesse Wharton of Prestige Real Estate.
$245,000
3 Beds ⋅ 2 Baths

1032 N Sycamore Street, Ottawa

Listing courtesy of Steve Pittman of Freestate Realty, LLC.
$334,900
3 Beds ⋅ 2 Baths
A real opportunity to live in this community-as these homes don't come up for sale that often. One level living at it's best. Well maintained, sits on a quiet cul-de-sac (no drive thru traffic) with all homes showing true pride of ownership. 3 bdrm., 2 bath ranch with a spacious 2 car garage. Home has an open concept, neutral colors ready for your decor. Kitchen has stainless steel appliances. Amazing bonus: A wonderful screened in porch to enjoy your mornings and evenings. Have your coffee, read a good book. Entertain out there! The minimal HOA of $100 per month includes lawn mowing, trimming and snow removal.

1722 S Willow Street, Ottawa

Listing courtesy of Mary Ann Pearson of KW Diamond Partners.
$249,900
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!

121 S Cedar Street, Ottawa

Listing courtesy of Sharon Hubbard of RE/MAX Connections.
$175,000
2 Beds ⋅ 1 Baths
Welcome to this charming two-bedroom, one-bathroom home set on a corner lot just a few blocks from Ottawa University. The tree-lined neighborhood offers a picturesque setting where you can start each day with coffee on the generously sized front porch. Inside, the spacious living room provides comfortable room to relax or gather, while the kitchen features plenty of cabinet space and includes all appliances—ready for everyday living or weekend cooking. A standout feature is the convenient two-car garage, offering secure parking and valuable extra storage for tools, seasonal items, or outdoor gear. Recent improvements include a new AC unit installed in February 2024 and a new sewer line completed in January 2023, giving the home solid, updated infrastructure. This location places you in the heart of Ottawa’s rich history and vibrant community. Boasts the striking Franklin County Courthouse designed by noted local architect George P. Washburn. Downtown’s historic Main Street features Plaza 1907, recognized as the oldest continuously operating movie theater in the world, along with the Old Depot Museum. Ottawa is also the only Kansas community where the Prairie Spirit Trail and the long Flint Hills Trail State Park meet, unlocking more than 170 miles of scenic paths for walking, biking, and outdoor adventure. Life here is filled with community events and local traditions: the long-running Franklin County Fair & Rodeo, the popular Ol’ Marais River Run Car Show, weekly farmers markets, Third Thursday downtown gatherings, July 4th fireworks and City Band concerts at Forest Park, Ladies Night Out, the Airport Fun-Day Fly-In, Chautauqua celebrations, holiday parades, and the mayor’s tree lighting. Whether you’re catching a film at Plaza 1907, exploring the trails, or enjoying a university game, this home offers an easy, connected lifestyle in a welcoming Kansas town. Schedule your showing and experience the charm for yourself.

748 S Poplar Street, Ottawa

Listing courtesy of Joe Kosko of Easy Realty LLC.
$500,000
3 Beds ⋅ 3 Baths
Welcome to this exceptional zero-step ranch, perfectly positioned on nearly 1.5 acres at the end of a cul-de-sac, offering a private, country-like setting while remaining conveniently located in the heart of Ottawa. From the moment you arrive, the quality and attention to detail are undeniable. Step inside to soaring vaulted ceilings, elegant wainscoting throughout the main floor, and beautiful hardwood floors. The impressive formal dining room makes an unforgettable statement, while the living room features floor-to-ceiling windows, high-end plantation shutters, and a stunning gas fireplace with an incredible mantle. The custom kitchen is designed with both beauty and functionality in mind, offering abundant cabinetry with custom pullout drawers throughout the cabinets for convenient and efficient storage, along with an eat-in dining area, breakfast bar, and thoughtful high-end finishes. The main-floor laundry room is equally impressive, featuring custom cabinetry with pullout storage as well. The luxurious Primary suite features coffered ceilings, private access to the backyard patio, two large walk-in closets, and an exceptional en suite bathroom with soaring ceilings and a jetted tub. A second bedroom with vaulted ceilings and a full bathroom complete the main floor. A unique spiral staircase leads to the lower level, featuring a versatile rec room or office, a third bedroom with an egress window, and an additional full bathroom. Outside, enjoy a true backyard oasis with mature landscaping, a covered patio, additional uncovered entertaining spaces, and plenty of room to relax or host guests. The nearly 1.5-acre lot also includes a spacious fenced area, backyard shed, and an oversized attached three-car garage. Beautifully designed, impeccably maintained, and filled with high-end details, this stunning home offers a rare combination of luxury, privacy, and convenience.

615 W Willow Lane, Ottawa

Listing courtesy of Sherrill Shepard of BHG Wostal Realty.
$210,000
2 Beds ⋅ 1 Baths
Beautiful, Move-In Ready Bungalow on a Spacious Corner Lot! Fantastic 2022-built bungalow that still feels brand new and is truly 100% move-in ready! Situated on a large corner lot, this home offers a bright, modern layout with LVP flooring throughout the great room and kitchen, fresh paint, and newer carpet in the bedrooms. The kitchen comes complete with all appliances, including the refrigerator, and the washer and dryer are also included—making your move even easier. Additional features include a 1-car attached garage and a storage shed for all your extra belongings and outdoor equipment. Best of all, the property comes with a 6-year tax abatement, offering significant potential savings for the new owner. Don't miss this opportunity to own a practically new home without the wait or hassle of new construction!

747 S Sycamore Street, Ottawa

Listing courtesy of Mike Russell of Real Broker, LLC.
$225,000
2 Beds ⋅ 1 Baths
Welcome to your sweet abode, complete with SOLAR PANELS & 7 YEARS OF TAX ABATEMENT to make your bills a breeze! Perfect starter home or if you want to enjoy your later years on one level. Enter from the cool, covered patio to an open living area where everything is like brand-new: Luxury vinyl floors throughout, a kitchen with stainless appliances & plenty of beautiful cabinets. Step out back to roast marshmallows in the cozy fire pit off the patio. There's also an 8 x 12 garden shed for storage with a raised bed to plant some veggies or care for the Dogwoods & Weigela--& don't forget the nice, tall, carport that fits 3 cars or your RV. All of this is super convenient to downtown shops, restaurants, post office, auditorium, & the city park, as well as the local trails for biking & outdoor recreation. If you want an intimate, affordable home, you've just found it. Electric bill has averaged under $30 this past year!! Information on Solar Panel Warranty is available--24 years remaining!

413 E 2nd Street, Ottawa

Listing courtesy of Lori Hedges of Platinum Realty LLC.
$300,000
3 Beds ⋅ 2 Baths
Discover the convenience and comfort of brand-new living in the heart of Ottawa. Located near neighborhood schools and the south-end amenities Franklin County residents love, this newly built ranch-style home offers modern finishes, functional design, and move-in-ready simplicity without the wait of a custom build. Inside, you’ll find 3 bedrooms, 2 full bathrooms, and an open-concept layout designed for everyday living. The kitchen features stainless steel appliances, painted cabinetry, luxury vinyl plank flooring, and a spacious eat-in dining area that flows seamlessly into the main living space. The main-floor primary suite adds comfort and convenience, while the attached 2-car garage and main-level laundry make daily life even easier. Situated in a growing neighborhood in south Ottawa, this home gives buyers the opportunity to enjoy a new construction home close to schools, shopping, dining, and quick access to everything the community has to offer. If you’ve been searching for affordable new construction in Franklin County without the lengthy build process, this home is ready for you now. Schedule your private showing today. This brand new home is listed below appraisal value.

1215 S Maple Street, Ottawa

Listing courtesy of Teresa Pearson of KW Diamond Partners.
$899,000
3 Beds ⋅ 3 Baths
Escape to the peace and privacy of country living with the beautifully updated ranch homes situated on 47 acres. This property offers a perfect blend of modern comfort, functionality, and wide open spaces. Inside, you'll find numerous updates including refreshed kitchen featuring quartz countertops, freshly painted cabinetry, and an induction stove, along with remodeled bathrooms, new flooring throughout and tankless water heater. The acreage is ideal for livestock, horses, recreation, hunting, or simply enjoying you own private retreat. The property features partial pipe and wire fencing, horse barn with 3 stalls and a charming office area, plus an impressive 40x50 outbuilding offering plenty of space for equipment, hobbies, storage, or workshop. A 30 AMP RV hookup for your convenience. Wether you are looking for a horse property, hobby far, recreational getaway, or a secluded place to call home, this 47 ac property offers space, versatility, and peaceful country living - all with the updates you've been looking for. Large expansive deck with partial covered patio area, outdoor cooking area with bar. Basement features addl non conforming bedroom with coffee bar for the guests, a secondary bar/kitchen area with ample seating with family area for movie night. Addl 12 Ac maybe purchased if desired.

1675 Jackson Road, Ottawa

Listing courtesy of Janet Turney of Clinch Realty LLC.
$320,000
3 Beds ⋅ 2.5 Baths
Space, comfort, and a floor plan that simply works. 1607 Bluestem Drive offers a bright, inviting interior with spacious rooms and a layout designed for both everyday living and entertaining. The main living areas flow naturally together, with the kitchen positioned at the heart of the home and convenient to the surrounding spaces. Generously sized rooms provide flexibility for family, guests, a home office, or additional living space, while abundant natural light keeps the home feeling open and comfortable. Outside, there is plenty of room to enjoy the property whether you are entertaining, grilling, gardening, or spending a quiet evening at home. Situated in an established Ottawa neighborhood with convenient access to shopping, dining, schools, parks, and recreation, the location makes everyday life easy. 1607 Bluestem Drive offers the space, location, and functionality buyers are searching for. Come see it for yourself and make this home yours!

1607 Bluestem Drive, Ottawa

Listing courtesy of Alex Wilkins of Crown Realty.
$215,000
3 Beds ⋅ 1 Baths
Charming ranch-style home located less than three blocks from Ottawa University! This inviting 3-bedroom home offers convenient main-level living plus a full basement, providing abundant storage and plenty of potential for additional finished living space. The light-filled family room features neutral finishes and a comfortable, welcoming atmosphere. The functional galley kitchen offers ample cabinetry, generous counter space, appliances, and a convenient pantry. An updated bathroom adds a stylish touch with dual vessel sinks and modern finishes. Each of the three bedrooms provide comfortable, functional space with its own unique character. Outside, mature shade trees compliment the property, while the fully fenced backyard offers plenty of room for pets, play, gardening, or outdoor entertaining. An attached one-car garage and well-maintained storage shed provide additional space for vehicles, lawn equipment, tools, and seasonal items. Comfortable, practical, and full of potential, this home is ready for its next owner to make it their own!

823 S Sycamore Street, Ottawa

Listing courtesy of Laurie Blanco of Crown Realty.
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