Ottawa Homes with USDA Loan Financing

Welcome to Ottawa, a charming city located in Franklin County, Kansas. Known for its rich history and friendly community, Ottawa offers a wonderful blend of small-town charm and modern amenities.

Ottawa is a city that truly embodies the essence of the Midwest, with its tree-lined streets, historic downtown area, and welcoming atmosphere. Residents here enjoy a high quality of life, with excellent schools, parks, and recreational facilities.

For those looking to purchase a home in Ottawa, USDA loan financing is a fantastic option to explore. This type of loan offers attractive terms and low-interest rates, making it easier for homebuyers to achieve their dream of homeownership. With USDA loan financing, eligible properties in Ottawa can be purchased with little to no money down, making it an excellent choice for first-time homebuyers and those looking to invest in real estate.

Whether you're looking to settle down in a cozy neighborhood or prefer a more rural setting, Ottawa has a diverse range of homes to choose from. From historic properties with character to modern residences with all the latest amenities, there's something for everyone in this vibrant city.

If you're considering making Ottawa your home, now is the perfect time to explore the real estate market and take advantage of the benefits of USDA loan financing. Get in touch with a local real estate agent to learn more about available properties and start your journey to finding your perfect home in Ottawa.

Newest Ottawa Homes with USDA Loan Financing

$339,000

4 Beds ⋅ 2 Baths

A VIntage Franklin County Heritage Home! Original or true to the era Victorian Detailing abounds! From the Brick Street & Sidewalks to the 6 established perennial gardens updates have been done with full regard to maintaining the abundant charm of Victorian Architecture. The Wrap Around Front Porch provides over 1000 sq ft of additional outdoor living area. The North Porch and the Enclosed South Porch both off the Kitchen provide wonderful places to entertain or relax and enjoy a simpler time! The gardens are large enough to host a wedding or other large events! A recently updated first floor full bath demonstrates the attention to detail of properly curated improvements. Enjoy the large Dining Room with faux fireplace that flows easily from Foyer, Parlor, and Kitchen. The parlor connects the Living Room and the Dining Room. Upstairs you'll find 4 Generous Bedrooms, an updated full bath, and a bonus room previously used as Walk-in Closet, Office, and sewing room. Situated on a prime corner lot wrapped by mature trees your find a real gem for the Vintage Home Lover! Take a look at the extensive history passed down from owner to owner. Dare to linger here and discover this window in time and step back to the peaceful gracious lifestyle that's so desperately missing toiday! Come for a Visit .... Stay for a lifetime!

403 S Mulberry Street, Ottawa

Listing courtesy of Thrive RealEstate KC Team of KW KANSAS CITY METRO.

$195,000

4 Beds ⋅ 1 Baths

Enjoy the charm and character of this 4-bedroom, 1-bath home in Ottawa! Fresh exterior paint provides a refreshed feel, while the wood floors and classic details offer timeless appeal. The home provides a functional layout with room to personalize and make it your own. A convenient carport offers covered parking, and a shed for storing your outdoor essentials. Whether you're looking for your first home or an opportunity to add your own touches, this property is worth a look!

1027 N Mulberry Street, Ottawa

Listing courtesy of Brent Rodina of KW Diamond Partners.

$615,000

4 Beds ⋅ 3 Baths

If you're looking for a relaxing and peaceful setting to call home then look no further. 5.2 acres surrounded by trees for plenty of privacy yet located on a long PAVED street of similar acreage properties with beautiful homes so you can still have neighbors but not on top of each other. Close commute to Lawrence for shops, restaurants, entertainment and nights at Allen fieldhouse. Downtown Ottawa is just minutes away as well and an easy drive not far at all up I-35 to Olathe, Overland Park and Kansas City. This TRUE RANCH is 6 years young and shows beautifully in its open plan! Vaulted ceiling in the Living Rm which features a fireplace and LVP flooring and is open to the kitchen and dining areas, also with LVP flooring. The kitchen features white cabinets, pantry, large island and all counters are granite. The dining area opens onto the deck which overlooks the large level yard allowing plenty of spaces for whatever you want - pool, garden area, plenty of play areas for whatever any child has in mind, be it baseball, football or a dirt bike. The primary suite and secondary bedrooms are on opposite sides of the home for added privacy. The primary bedroom is spacious and its bath features a double vanity, ceramic tiled floor, separate shower and jetted tub, private water closet and a large walk-in closet. Bedrooms 2 and 3 are also good size, each with a ceiling fan. Convenient main floor laundry room has ceramic tiled floor, sink, cabinets and hanging rod. The finished walk-out lower level is expansive with plenty of space for entertaining or just plain relaxing. The wet bar has a large counter for both dining or makes a great serving line when hosting parties or just a small get together. There's also a 3rd full bath, newly finished 4 bedroom, dedicated exercise area w/matted floor & unfinished area for storage. It walks out to a patio which could make a great private spot for a hot tub. BRAND NEW 40x30 detached 2 car garage/outbuilding w/drive.

4434 Missouri Drive, Ottawa

Listing courtesy of John Gardner of RE/MAX Revolution.

$219,900

4 Beds ⋅ 2 Baths

Welcome! A spacious 4-bedroom, 2-bath home offering over 1,500 sq ft of living space and plenty of opportunity to make it your own! The home features two bedrooms and a full bath on the main level, with two additional bedrooms and a second full bath upstairs. Major improvements have already been taken care of, including new HVAC, new windows, a new back deck. Inside, original built-ins and generously sized rooms add character. Enjoy the privacy-fenced backyard, covered front porch, and impressive 34x24 detached 2-car garage, offering plenty of room for vehicles, storage, a workshop, hobbies, or entertaining space. Conveniently located in Ottawa with easy access to downtown, Ottawa University, shopping, dining, and more. A great opportunity to add your finishing touches to a home where several of the big-ticket improvements have already been completed!

822 S Mulberry Street, Ottawa

Listing courtesy of Stroud & Associates Team of Real Broker, LLC.

$199,950

2 Beds ⋅ 1 Baths

Nice home close to park golf course. Newer Heating & Air, Newer Sewer Repair. Detached Shed and carport. Closing must be after Estate Auction on November 22nd. Auction will be held by Eastern Kansas Auction Barn LLC. Check out update at kansasauctions.net

510 E Massasoit Street, Ottawa

Listing courtesy of Daryl Stottlemire of ReeceNichols Town & Country.

$825,000

6 Beds ⋅ 3.5 Baths

If “custom” is on your wish list, this one delivers beautifully. This stunning story-and-a-half home showcases rich, handcrafted walnut cabinetry, doors, and a grand curved staircase that makes a statement the moment you walk in. Custom leaded glass details add character and warmth throughout, creating a home that feels both elevated and inviting. With over 4,000 square feet, there’s room for everything…hosting, relaxing, working, or spreading out. The layout offers 6 bedrooms and 4 baths. A large sunroom on the back invites you to slow down and take in the views, while the newly updated interior means you can move right in and enjoy. The full unfinished basement is ready for your hobbies, storage, or future expansion. Outside, the setting is just as impressive…approximately 20 acres with a pond, an abundance of mature trees for privacy, and three large outbuildings for equipment, projects, or extra storage. An additional 20 could be considered. All of this, tucked just under a mile from pavement with easy highway access for commuting. Space, craftsmanship, and privacy…this one checks boxes you didn’t even know you had.

3049 Kingman Road, Ottawa

Listing courtesy of Denise Bridwell of KW Diamond Partners.

$1,400,000

5 Beds ⋅ 4.5 Baths

Travel up the tree-lined asphalt driveway to this beautiful home featuring a large covered front porch. Open the door to a grand entrance, open floor plan with nothing but quality construction. Gleaming hardwood floors through most of the home. Formal dining and a large eat-in kitchen with expansive cabinets. Main floor laundry room with wash sink and cabinets. Enjoy the large Primary ensuite. Primary bath features tile floors, double vanity, separate tub and shower and two large walk-in closets. Secondary room and full bath finish out the main level. The second level offers two nice size rooms with walk-in closets, full bath and a loft that overlooks the family room below. On the opposite side of the home there is a second upper level with a large rec room/hang out space. The walk-out basement offers a second full eat-in kitchen, bedroom and full bath with second family room and still lots of storage space with secondary stairs to the large three car garage. There is a Large screened-in patio that overlooks the 7.73 acres +/- with a 60' X 48' outbuilding with Concrete floors and lots of shop lights and outlets, two 10' overhead doors and two sliding doors that are 12' high - bring the RV and drive straight through! So much to see and enjoy! Blacktop all the way home. Tree-lined asphalt driveway. CLOSE to EVERYTHING! Five MINUTES to I-35. Minutes to Ottawa Words cannot tell it all - I'm tired just talking about it! Come see it for yourself!! Approximately 5 Acres of CRP land. Square footage per appraiser and room sizes are approximate - all should be verified by buyer and/or buyers agent THIS PROPERTY IS BEING SPLIT FROM A LARGER PARCEL. LEGAL DESCRIPTION AND FINAL PLAT FROM FRANKLIN COUNTY ARE IN PROCESS. TAXES REFLECT THE HOME ON THE ENTIRE ACREAGE AND WILL BE DETERMINED WHEN FINALIZED.

3790 K 68 Highway, Ottawa

Listing courtesy of Lisa Huppe of ReeceNichols- Leawood Town Center.

$342,500

3 Beds ⋅ 2 Baths

Welcome home to this charming 4-bedroom, 2-bath bungalow situated on nearly an acre! Featuring spacious bedrooms, a welcoming layout, and a nice kitchen with plenty of room for everyday living and entertaining. Recent updates add to the home’s appeal while maintaining its comfortable bungalow character. Enjoy the added space and privacy of the generously sized lot, offering plenty of room to relax, garden, play, or simply enjoy the outdoors. A great opportunity for anyone looking for a home with space, updates, and room to make it their own! 32x26 detached shop is insulated and also plenty of power!!

328 S Ash Street, Ottawa

Listing courtesy of Brandi Abram of Real Broker, LLC.

$150,000

3 Beds ⋅ 1 Baths

Charming and ready to welcome you home. This cute 3-bedroom, 1 bathroom bungalow in offers a blend of comfort and character. With a practical layout, large dining area and inviting spaces, it's a great opportunity for a first-time home buyer, someone looking to downsize, or anyone wanting a home with plenty of potential. The 3 bedrooms provide flexibility for family, guests, home office or whatever life calls for. The kitchen, dining and living spaces offer a comfortable place to gather, relax & make memories. Outside, there is room to enjoy your morning coffee, let the kiddos or pets play in the huge back yard, or simply soak up the small-town lifestyle. Centrally located, you'll be close to schools, parks, local shops, golf course, restaurants & everything else this community has to offer. If you've been waiting for a great opportunity, this one is worth a look.

731 S Locust Street, Ottawa

Listing courtesy of Nycole Clark of Real Broker, LLC.

$494,990

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.

$239,950

3 Beds ⋅ 2 Baths

1032 N Sycamore Street, Ottawa

Listing courtesy of Steve Pittman of Freestate Realty, LLC.

$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.

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Ottawa Homes with USDA Loan Financing

Newest Ottawa Homes with USDA Loan Financing

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