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424 S Elm St, Ottawa, KS, 66067

5beds
4baths
3,754sqft
$395,000
$105price/sqft
$3,157/moest. monthly cost
$126,280/yrincome needed

About This Home

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!

Getting Around

63
WalkingSomewhat Walkable
0
TransitVery Limited Transit
69
BikeBikeable

Schools

5/10
Lincoln Elementary SchoolGrades PK-51.8 mi
4/10
Ottawa Sr High SchoolGrades 6-120.9 mi
5/10
Ottawa Middle SchoolGrades 6-81.0 mi

Construction

Condition

  • Year built: 1907

Materials

  • Roof: Composition
  • Construction materials: Wood Siding

Type & Style

  • Home type: SingleFamily
  • Property subType: Single Family Residence

Interior

Appliances

  • Laundry features: Off The Kitchen

Basement

  • Has basement: Yes
  • Basement: Full,Interior Entry

Bedrooms & Bathrooms

  • Bedrooms: 5
  • Bathrooms: 4
  • Full bathrooms: 2
  • 1/2 bathrooms: 2

Features

  • Ceiling Fan(s)
  • Flooring: Carpet,Wood
  • Number of fireplaces: 3
  • Fireplace features: Dining Room,Living Room
  • Fireplace: Yes
  • Finished area below ground: 0
  • Finished area above ground: 3,754

Heating & Cooling

  • Heating features: Natural Gas
  • Cooling features: Electric

Interior Area

  • Total structure area: 3,754
  • Total interior livable area: 3,754 sqft

Property

Details

  • Parcel number: 0873504019009.000

Features

  • Private pool: Yes
  • Pool features: In Ground
  • Patio & porch: Porch
  • Fencing: Privacy

Lot

  • Lot size: 0.34 Acres
  • Features: City Lot

Parking

  • Total spaces: 1
  • Parking features: Detached,Garage Faces Rear
  • Has garage: Yes
  • Attached garage spaces: 1
  • Covered spaces: 1

Climate Risk is Financial Risk

Every home has a financial story beyond the listing price. Below, you’ll see the climate risks that could affect this property — and in Bills & Affordability, how those risks may influence repairs, insurance, utilities, and long-term value.

Biggest Threats for This Home

  • Lightning
    LightningVery High
  • Strong Wind
    Strong WindVery High
  • Winter Weather
    Winter WeatherVery High
  • Hail
    HailRelatively High
  • Heat Wave
    Heat WaveRelatively High
  • Inland Flooding
    Inland FloodingRelatively High
  • Ice Storm
    Ice StormRelatively High
  • Tornado
    TornadoRelatively High
  • Cold Wave
    Cold WaveModerate

How This Home’s Risks Compare

Lightning
Strong Wind
Winter Weather
Hail
Heat Wave
Inland Flooding
Ice Storm
Tornado
Cold Wave

FEMA Declared Disasters Across Kansas Counties

Flood
Severe Storm
Snowstorm
Straight Line Winds
Tornado

Understanding the Costs

Financial advisors generally recommend spending no more than 30% of your gross household income on housing costs. In practice, many households stretch to 35% or beyond — especially in high-cost markets.

Estimated Costs Today

MonthlyAnnual
Mortgage $1,997$23,964
Home Insurance *$430$5,160
Property Taxes $431$5,172
Electricity $299$3,596
Total$3,157$37,884
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$108,240/yr
40% on housing$94,710/yr
45% on housing$84,186/yr

Kansas FAIR Plan Programs

Kansas All-Industry Placement Facility

Covered
WildfireWildfire
Add-on available
HailHail
WindWind
Visit Website →
Current Policies
Residential: 11,507Commercial: 209
Total Premiums$9.41M
Total Exposure$949,000

How Costs Could Change Over Time

Climate risk is quickly impacting all of the major home ownership costs. Adjust the growth rates and percentage of income spent on housing below to see how your housing costs could change over the next 10 years — and what income you'd need to keep up.

Insurance Growth Rate5-year average: 6.3%
6.3%
0%30.0%
Electricity Growth Rate10-year average: 1.6%
1.6%
0%15.0%
Property Taxes Growth Rate2-year average: -0.4%
-0.4%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$105This listing

vs Other Active Listings

Avg $/sqft

ZIP 66067$139
Franklin County$146

vs Homes Sold Last Month

Median $/sqft

ZIP 66067$141
Franklin County$159

Current Market Trends

Median Price Per Square Foot

The median price per square foot of homes sold in this area each month. Compare this to this listing's price per square foot to gauge whether the home is priced in line with recent sales.

Historicals for This Listing

Zestimate History ($/sqft)

No zestimate history available

Price History

DateEventPrice
2026-02-12Price change$399,500
2025-06-27Price change$415,000
2025-05-30Listed for sale$425,000
2023-07-29Listing removed--
2023-02-05Listed for sale$499,950
2017-10-27Sold--
2017-09-29Pending sale$179,900
2017-06-26Price change$179,900
2017-04-21Price change$200,000
2016-09-23Price change$225,000
2016-07-13Listed for sale$235,000

For Sale by Agent

AgentBrent Rodina
BrokerageKW Diamond Partners

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