Ottawa Homes with VA Loan Financing

Ottawa Homes with VA Loan Financing

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

With a variety of homes available in Ottawa, prospective buyers have the opportunity to explore different options, including those eligible for VA loan financing. VA loans are a great option for military service members, veterans, and their families, offering benefits such as no down payment or private mortgage insurance requirements.

Whether you're looking for a cozy bungalow, a spacious family home, or a modern townhouse, Ottawa has something for everyone. From historic properties with character to newly built homes with all the modern amenities, the real estate market in Ottawa is diverse and vibrant.

As you search for your dream home in Ottawa, you'll find a welcoming community, excellent schools, and a range of recreational activities to enjoy. With its convenient location and small-town charm, Ottawa provides the perfect setting for a relaxed and fulfilling lifestyle.

If you're considering buying a home in Ottawa with VA loan financing, you're in good hands. Explore the available options, connect with local real estate professionals, and start your journey to homeownership in this lovely city.

Newest Ottawa Homes with VA Loan Financing

713 E 5th Street, Ottawa
$149,000
3 Beds ⋅ 1 Baths
Welcome to this charming traditional-style home in Ottawa! This lovely property features 3 bedrooms, 1 bathroom, a spacious living room, and comfortable bedroom spaces that make it a wonderful place to call home. The kitchen comes equipped with all appliances included with the property, making your move easier and more convenient. One of the home's special features is its inviting front porch, the perfect place to enjoy your morning coffee, unwind in the evening, or simply relax and enjoy some peaceful time outdoors.Outside, the property offers beautiful landscaping in both the front and back, creating a welcoming atmosphere with plenty of space to enjoy. The outdoor area is ideal for parking your vehicles, hosting a weekend barbecue, or gathering with family and friends around the grill. With its traditional charm, spacious living areas, inviting porch, and enjoyable outdoor spaces, this home offers comfort, convenience, and a warm atmosphere. Come discover the charm and comfort of this lovely Ottawa home and imagine making it your own!

713 E 5th Street, Ottawa

Listing courtesy of Marjorie Hernandez of Platinum Realty LLC.
823 S Olive Street, Ottawa
$185,000
3 Beds ⋅ 1 Baths

823 S Olive Street, Ottawa

Listing courtesy of Leah Hamilton of Crown Realty.
924 N Mulberry Street, Ottawa
$138,000
2 Beds ⋅ 1 Baths
Looking for a cozy home with room to make it your own? This 2-bedroom, 1-bath bungalow is a great option for those looking to downsize or anyone seeking a home with plenty of potential. The galley kitchen offers an efficient layout, while the nice yard and mature trees provide a peaceful outdoor setting. Enjoy relaxing on the deck off the back of the house, perfect for morning coffee or evening gatherings. A handy storage shed adds extra space for tools, lawn equipment, and outdoor essentials. With its manageable size, inviting outdoor space, and opportunity to add your personal touch, this bungalow is ready for its next owner to bring out its charm!

924 N Mulberry Street, Ottawa

Listing courtesy of The Rare Group of BHG Kansas City Homes.
1421 S Maple Street, Ottawa
$238,500
3 Beds ⋅ 1 Baths
Beautiful Hardwood Floors, Gorgeous Oak Cabinetry & Classic Ranch Charm in Ottawa, Kansas! Welcome to the desirable neighborhood of 1421 S Maple Street in Ottawa, KS! This inviting 3-bedroom, 1-bath ranch-style home offers a wonderful combination of classic character, thoughtful updates, and practical living space. Freshly painted throughout the main level, the interior feels bright and refreshed, with beautiful hardwood floors, crisp white trim, and large windows that fill the home with natural light. The kitchen is a standout! Remodeled in 2018, it features an impressive amount of beautiful oak cabinetry, stylish hardware, tile backsplash, and generous laminate countertop space. The bathroom was also remodeled in 2018, adding to the home's appeal. Need additional space? The full unfinished basement, provides plenty of room for storage, hobbies, a workshop, or future possibilities. The spacious two-car attached garage and exceptionally large concrete driveway offer excellent parking and additional flexibility. Outside, you'll appreciate the generous 75' x 140' lot, mature shade trees, a backyard deck, and a storage shed for lawn equipment and outdoor essentials. The spacious backyard offers plenty of room for gardening, entertaining, or simply enjoying the outdoors. Located along S Maple Street in an established Ottawa, Kansas neighborhood, this home combines comfortable main-level living with the added benefits of a full basement, generous parking, and inviting outdoor space. Freshly painted, beautifully maintained, and ready for its next owner. Come see what makes 1421 S Maple Street such a great place to call home!

1421 S Maple Street, Ottawa

Listing courtesy of Barbara Kearney of Compass Realty Group.
1113 S Hickory Street, Ottawa
$215,000
3 Beds ⋅ 2 Baths
Step inside this charming 3-bedroom, 2-bath home offering approximately 1,300 square feet of living space and plenty of original character! Built in 1915, this home features beautiful original woodwork, some original hardwood floors, and classic pocket doors that add to its timeless appeal. Relax on the inviting front porch or enjoy the spacious, fenced backyard with mature trees and plenty of room for outdoor activities. Situated on an oversized 11,250-square-foot lot, the property also offers a small back deck and convenient off-street parking. Located on a quiet street near Ottawa University, this home combines historic charm with a convenient location. Come see all the character and possibilities this home has to offer!

1113 S Hickory Street, Ottawa

Listing courtesy of Sheila Shaw of KW Diamond Partners.
403 S Mulberry Street, Ottawa
$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.
1027 N Mulberry Street, Ottawa
$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.
822 S Mulberry Street, Ottawa
$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.
510 E Massasoit Street, Ottawa
$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.
1310 S Pin Oak Circle, Ottawa
$360,000
4 Beds ⋅ 2.5 Baths
Welcome home to this thoughtfully updated two-story home in Ottawa’s desirable Pin Oak Estates neighborhood. Built in 2002, this well-maintained home offers 4 bedrooms, 2.5 bathrooms, and a functional layout with updated finishes and major mechanical improvements. The main level provides comfortable everyday living space, while the upper level includes three bedrooms, including the primary suite. The newly remodeled primary bathroom features an adjoining bonus room—ideal for a home office, dressing room, fitness space, nursery, or additional closet and storage area. The additional full bathroom has also been recently updated. The full finished basement expands the living space with a family room and fourth bedroom, offering flexibility for guests, hobbies, work, or recreation. Recent improvements include fresh exterior paint, newer carpet, and a new HVAC system and water heater installed in 2025. Outside, enjoy a fenced backyard and composite deck with space to relax, grill, or entertain. Conveniently located on Ottawa’s south side and within walking distance of Ottawa High School and Ottawa Middle School, this inviting Pin Oak Estates home combines thoughtful updates, move-in-ready condition, and a desirable cul-de-sac setting.

1310 S Pin Oak Circle, Ottawa

Listing courtesy of Dana Baker of Heck Land Company.
3790 K 68 Highway, Ottawa
$1,400,000
5 Beds ⋅ 4.5 Baths
Five MINUTES to I-35. Nearly 6,000 sq ft of home sits on close to 8 acres - more land available if interested. Pavement all the way to the tree-lined asphalt driveway leading to the 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 & cabinets. Enjoy the view of the land from the main floor 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/office space. Don't miss the walk-out basement that offers separate living quarters complete with a second full eat-in kitchen, bedroom, family room and full bath. Safe room and lots of unfinished space. There are secondary stairs to the large three car garage. Finally, enjoy the 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 sliding doors on each end that are tall enough for the RV. So much to see and enjoy! 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 with more available if interested. 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.
328 S Ash Street, Ottawa
$332,500
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.
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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

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