Ottawa Homes with USDA Loan Financing

Welcome to Ottawa, Kansas, a charming city located in Franklin County. Ottawa is known for its excellent school district, providing top-notch education to students of all ages. Families are drawn to Ottawa for its quality schools, dedicated teachers, and diverse extracurricular activities.

If you're considering buying a home in Ottawa, you'll be pleased to know that there are options for USDA loan financing available. This type of financing can make homeownership more accessible and affordable for those who meet the eligibility requirements. With USDA loan financing, you may be able to purchase a home with little to no down payment, making it an attractive option for first-time homebuyers and those looking to move to Ottawa.

Whether you're looking for a cozy starter home or a spacious family residence, Ottawa has a variety of properties to choose from. From historic homes with character to modern builds with all the amenities, there's something for everyone in this vibrant community.

Contact us today to learn more about the real estate opportunities in Ottawa, Kansas, and let us help you find the perfect home for you and your family.

Newest Ottawa Homes with USDA Loan Financing

$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.

$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.

$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.

$253,000

4 Beds ⋅ 2 Baths

* NEW-LOWER, BETTER price on this great home* Incredible Space, Character, and Versatility on a Prime Corner Lot! This unique and beautifully maintained 1928 two-story home is situated on a spacious corner lot, just blocks from historic downtown Ottawa and Ottawa University. This offers an abundance of space and an incredibly flexible floor plan. This home features 4 bedrooms (plus a 5th non-conforming bedroom upstairs) and 2.5 bathrooms spread comfortably across both levels. You will find a complete living area and kitchen on the main floor, plus a second living area upstairs. The laundry area is on the first floor. It's the ultimate setup for multigenerational living, or a sprawling family home. Don't miss the cozy sunroom on the second floor, a perfect spot for your morning coffee or curling up with a book. Downstairs, a full, unfinished stone basement provides great storage, and a built-in workshop ready for your projects! Exterior features include a 2-car carport and additional off-street parking with convenient alley access. The backyard has the potential to be your evening oasis, boasting a covered patio for entertaining and several functional storage sheds that stay with the property. True flexibility and space like this are hard to find—schedule your tour today! *Stay tuned for professional photos*

633 S Cedar Street, Ottawa

Listing courtesy of Mandi Rae Gipson of RE/MAX Connections.

$225,000

3 Beds ⋅ 3 Baths

Seller willing to pay towards buyer's closing costs. This beautifully renovated 3-bedroom, 2-bathroom home is move-in ready and offers modern updates throughout. The spacious primary suite features a generously sized ensuite bathroom, creating a comfortable private retreat. The home boasts a welcoming living room, a dedicated dining area, and an open-concept kitchen that's perfect for everyday living and entertaining. Thoughtfully updated with both style and functionality in mind, this home is ready for its next owners. Priced competitively, this property is conveniently located just minutes from schools, shopping, parks, and other local amenities, making it an excellent opportunity for first-time buyers, growing families, or anyone looking for a turnkey home.

1234 S Willow Street, Ottawa

Listing courtesy of Vance Finch of Prestige Real Estate.

$387,000

5 Beds ⋅ 3.5 Baths

Need a large home? This 5 bedroom, 3 and a half bath home has 2 dining areas and 2 dining areas. 5th bedroom on main floor is used as an office. Formal living and family room each have a fireplace. Hobby loft overlooks family room w/spiral staircase. Full basement has 3 egress windows, full bathroom and good storage. 3 season room overlooks small fenced area. Yard is professionally landscaped.

1701 S Ash Street, Ottawa

Listing courtesy of Betty Birzer of ReeceNichols Town & Country.

$450,000

5 Beds ⋅ 3 Baths

Welcome to this beautiful newly built 5 bedroom, 3 bath home offering a welcoming open layout perfect for everyday living & entertaining. Enjoy the peaceful setting with a city pond just across the way. Only minutes from local amenities & scenic Prairie Spirit Trail ideal for both relaxation & convenience.

1613 S Ash Court, Ottawa

Listing courtesy of Carissa Crowley of Crown Realty.

$269,000

5 Beds ⋅ 2.5 Baths

Charming 5-Bedroom Home Near Downtown Ottawa Welcome to this beautiful and inviting five-bedroom, two-and-a-half-bathroom home—perfect for families or anyone looking for extra space! This lovely property features a large yard, ideal for kids and pets to play safely. Inside, you’ll find a spacious living room that’s perfect for relaxing or entertaining guests, along with generously sized bedrooms offering plenty of comfort and privacy. The big, finished basement provides even more space—ideal for hosting family gatherings, game nights, or overnight guests. Located just steps from the local church and only a short drive from Ottawa’s downtown area, this home combines small-town charm with city convenience. If you’re looking for a home that’s warm, functional, and move-in ready—this is the one for you!

1327 S Mulberry Street, Ottawa

Listing courtesy of Crystal Metcalfe of United Real Estate Kansas City.

$336,000

Prime 12 acre land for sale! Welcome to a rare opportunity to own 12 acres in a highly desirable location! This exceptional property features highway frontage on Highway 59 and road frontage on Rock Creek Road and makes it ideal for a wide range of uses. Sitting on a corner lot it is perfect for commercial potential, a new home site, a hobby farm, or future development. This property also sits just 1.5 miles south of I35 giving you easy access to get to the greater Kansas City area. Call today to look at this unique property!

2709 Rock Creek Road, Ottawa

Listing courtesy of Nichole Adkison of Heritage 1st Realty.

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