Ottawa Homes with Conventional Financing

Ottawa Homes with Conventional Financing

Welcome to Ottawa, Kansas, a charming city nestled in Franklin County, where history meets modern living. Known for its friendly community, Ottawa offers a vibrant atmosphere enriched by a rich cultural heritage and a variety of recreational opportunities. The city is conveniently located along the banks of the Marais des Cygnes River, providing picturesque views and a serene environment for residents and visitors alike.

Ottawa boasts a diverse selection of homes, many of which are accessible through conventional financing options. Whether you’re a first-time homebuyer or looking to upgrade, the real estate market here is inviting and accommodating. From quaint bungalows to spacious family homes, Ottawa’s neighborhoods offer something for everyone. With its strong sense of community, residents enjoy easy access to local parks, schools, and shopping areas, making it a perfect place to settle down.

The homes in Ottawa are not only charming but also represent an excellent investment opportunity. Conventional financing is widely accepted, making the purchasing process straightforward and accessible. This financing option allows buyers to secure their dream home with manageable terms, ensuring that the transition to life in Ottawa is as seamless as possible.

As you explore the potential of calling Ottawa home, you'll discover a city that embraces both its historical roots and progressive growth. With a welcoming community and a variety of housing options, Ottawa, Kansas, is truly a hidden gem waiting to be discovered. Come and experience the warmth and charm of Ottawa—your new home awaits!

Newest Ottawa Homes with Conventional Financing

$265,000
Excellent investment opportunity! This well-maintained triplex offers strong income potential with three updated units and modern finishes throughout. Apartment A features a spacious 3-bedroom, 2-bath layout, while Apartments B and C each offer 1 bedroom and 1 bath, making this an attractive property for a variety of tenants. Recent interior updates include luxury vinyl plank flooring, updated kitchens with shaker-style cabinetry, refreshed bathrooms, fresh paint, and modern fixtures. A shared onsite laundry facility provides additional convenience for residents. The property boasts charming curb appeal with a welcoming wraparound porch, vinyl siding for low-maintenance ownership, off-street parking, and a generous corner lot. Whether you’re looking to expand your investment portfolio or live in one unit while generating rental income from the others, this property offers an excellent opportunity. Schedule your private showing today!

417 W 2nd Street, Ottawa

Listing courtesy of Jenna Pearce of Grit Real Estate LLC.
$70,000
2 Beds ⋅ 1 Baths
Fixer-upper and investor special. Prime Proximity to Ottawa University – Just a short stroll or quick drive from campus (1001 S. Cedar St.), this home is ideal for student housing, faculty, or anyone wanting easy access to OU’s vibrant academic community. Enjoy the energy of college life while benefiting from steady rental demand in this established area. ? Ottawa, Kansas, blends small-town warmth with rich history and modern appeal. Named after the Ottawa Tribe, the city was founded in the 1860s near the Marais des Cygnes River and grew into a railroad and agricultural hub. Fun highlights include: • World’s Oldest Operating Movie Theater: Plaza 1907 (certified by Guinness) has been screening films since 1905—catch a flick in this downtown gem! ? • Stunning Architecture: The Franklin County Courthouse (1893, designed by local legend George P. Washburn) and historic Main Street with Victorian facades evoke a classic Midwest charm. ? • Outdoor Recreation: Trails like the Prairie Spirit Trail State Park start right here, connecting to over 170 miles of paths for biking, hiking, and exploring. ? • Community & Culture: Home to Ottawa University (est. 1865), festivals, car shows, the Old Depot Museum, and a strong sense of hometown pride.

737 S cherry Street, Ottawa

Listing courtesy of Joe Kosko of Easy Realty LLC.
$265,000
4 Beds ⋅ 2 Baths
NEW UPDATES--SEE BELOW!!! WOW!!! START YOUR JOURNEY IN YOUR VERY OWN PRIVATE ENCLOSED BACKYARD OASIS. EASY MAINTENANCE, CLEAN LINES, WHITE VINYL FENCING. EACH FENCE POST HAS BEEN CEMENTED IN. SODDED BACK YARD. ATTRACTIVE PAVERS LINE LANDSCAPED LOC MULCH & ROCK SIDEWALK LEADING UP TO THE NEW BACK PORCH WITH A MOTION SENSORED LIGHT FIXTURE. PATHWAY LIGHTS SURROUNDING THE PATIO & SIDEWALK PATHWAY AREA. NICE STORAGE SHED IN CORNER OF YARD. LOTS OF PARKING SPACES AT THE REAR WITH NEW GRAVEL. STARTING IN THE FRONT IS A NEW SIDEWALK TO THE NEW FRONT PORCH WITH WHITE VINYL RAILING AND NEW COMPOSITE DECKING, MAIL BOX, DOORBELL AND OUTDOOR FRONT PORCH LIGHT, FRONT STORM DOOR AND FLOWER BEDS. OPEN THE FRONT DOOR TO A SPACIOUS FORMAL DINING ROOM AND SEPARATE HUGH LIVING ROOM AREA. LOTS OF ENERGY EFFICIENT EASY CLEAN TILT IN WINDOWS THROUGH OUT. ENJOY YOUR NEW KITCHEN WITH ALL NEW STAINLESS STEEL DISHWASER AND REFRIGERATOR, AND ELECTRIC STOVE, COUNTERTOPS, WHITE CABINETS WITH EASY CLOSE CABINET DOORS AND DRAWERS, FAUCETS, ISLAND, LARGE WALK IN PANTRY. BIG LAUNDRY ROOM/MUDROOM RIGHT OFF KITCHEN WITH A ROOMY CLOSET FOR STORAGE. NEW HOT WATER HEATER IN 2024 AND A NICE VIEW OF THE PRIVATE BACK YARD. 1 NEW CENTRAL AIR SYSTEM FOR THE MAIN FLOOR. 2ND FLOOR HAS A NEW MINI/SPLIT SUPPLEMENT ONLY SYSTEM. BOTH WITH ENERGY EFFICIENT REMOTE CONTROLLED THERMOSTATS. BRAND NEW 30 YEAR TAMKO SHINGLED ROOF. OTHER NEW FEATURES ARE CEILING FANS, LIGHT FIXTUES, BATHROOMS, KITHCEN, STORM DOOR ON FRONT, DOORBELL, MAILBOX, OUTSIDE LIGHT FIXTURES, AND PLUMBING. ENTRANCE TO PARTIAL BASEMENT IS UNDER FLOOR VENT IN DINING RM. DON'T MISS OUT. COME SEE SOON. UPDATES: New Sewer Line. Electrical Updated. Sump Pump Pit corrected.

713 S Cedar Street, Ottawa

Listing courtesy of Shirley Altic of Crown Realty.
$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.
$395,000
5 Beds ⋅ 3.5 Baths
WOW! Step inside this spacious 2.5 story 5 bed 2.5 bath home. This beautifully preserved 1907 historic home highlights many features while keeping its original charm and design. Inside, the home offers 3,750 square feet of refined living space, an indoor pool, working elevator, pocket doors, 3 fireplaces (2 being Italian marble), a bright and airy sunroom, luxurious master suite with a private balcony, refinished hard woods, and updated bathrooms. The garage is accessible through a private street in the back of the property! This distinguished property is a rare find, combining historic elegance with modern luxury!

424 S Elm Street, Ottawa

Listing courtesy of Brent Rodina of KW Diamond Partners.
Start Your Search

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