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

$240,000
3 Beds ⋅ 2 Baths
Make new memories in this classic, sought-after ranch-style home that perfectly blends timeless 1960s character with thoughtful updates. Step inside to an inviting open-concept living area featuring an original brick fireplace, new flooring, fresh paint, and updated main bath. The sellers have done a wonderful job incorporating modern touches while preserving the home’s original charm. The main level offers three bedrooms, including a primary bedroom with private access to the shared hall bath and its own sink/vanity area. Downstairs, you'll find a spacious second family room, a second full bath, and a non-conforming fourth bedroom, providing plenty of flexible living space. Additional highlights include an oversized two-car garage, a 12x13 screened-in porch, a newer concrete driveway pad, and a newer front deck. The county records reflect the home as a four-bedroom; however, the basement bedroom does not have an egress window and is considered non-conforming. Square footage is approximate. Yard digitally edited in front photos due to trailer blocking the view of the house.

1417 S Ash Street, Ottawa

Listing courtesy of Jessica Christopher of Platinum Realty LLC.
$475,000
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.
$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.
$540,000
A Versatile Commercial Property. Currently configured as a Daycare Facility. A 5,400 sq. ft. Building sitting on a 164' x 220' lot on a flat level location. An all-new asphalt parking lot with 24 parking spaces. 1,200 sq. ft. fenced-in playground. The Roof has received a new Coating. The Building was constructed in 2 connected sections providing flexibility for a variety of uses. The current layout includes 7 separate spaces that may be utilized as classrooms, offices, playrooms, or meeting rooms with the potential to reconfigure or open some areas as needed. Additional features include a kitchen, 2 restrooms-- each with 3 sinks and 3 lavatories, plus a separate handicapped-accessible restroom. Small sinks and fire extinguishers in each classroom. There are 8 Exit Doors. A well-maintained property with a functional layout and plenty of possibilities. Buyers should verify intended use and necessary approvals with the city. This property is zoned MU-CI (Mixed Use/Commercial-Industrial).

1250 E Commercial Road, Ottawa

Listing courtesy of Shirley Altic of Crown Realty.
$250,000
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.
$360,000
3 Beds ⋅ 2 Baths
PRICED BELOW APPRAISAL!! This spacious SOLAR home on almost Half an Acre Lot (.42 acre) in a Quiet Neighborhood & it's move-in ready! Accessible, One Level home has an Updated Kitchen, spacious Primary Suite, user-friendly Fireplace, Walk-in Closets, Patio & the work's all been done! The Brand-new primary bath (Aug 2025) has a 5' Onyx shower w/Built-In Seat & Double Vanity with Brushed Nickel trimmings. (**See Appraisal & Updates Details in Documents**) There are also Raised Garden Beds--one has strawberries--& Redbud, Dogwood, Lilacs, Red Maples, Gingko, Boxwoods, a Regal Prince Oak & more. Easy access to I-35, K-68 & all parts of town. Lots to appreciate & enjoy with this home--Don't miss out!

747 S Beech Street, Ottawa

Listing courtesy of Lori Hedges of Platinum Realty LLC.
$250,000
4 Beds ⋅ 2 Baths
MAJOR PRICE ADJUSTMENT!!! THE SELLER HAS MADE A SUBSTANTIAL PRICE ADJUSTMENT AND READY TO GET THIS HOME SOLD. 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. New Dehumidifier.

713 S Cedar Street, Ottawa

Listing courtesy of Shirley Altic of Crown Realty.
$215,000
4 Beds ⋅ 1 Baths
Charming and versatile 3-bedroom ranch with a 4th bedroom conversion offering extra space for guests, a home office, or hobby room! This home features beautiful hardwood floors in the main living areas and comfortable carpet in the bedrooms for added warmth and comfort. The functional layout provides easy one-level living with spacious bedrooms, a bright living area, and flexible space to fit your needs. The converted garage adds valuable square footage for storage with complete with shelving, bike storage and and a large tool chest. Whether you're looking for room to grow, work from home, or simply enjoy ranch-style convenience, just a short 10 minute walk to the Ottawa University Campus, this home is ready to welcome its next owner!

1040 S Cottonwood Street, Ottawa

Listing courtesy of Ken Hoover Group of Keller Williams KC North.
$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.
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