How do I schedule a tour of 1040 S Cottonwood Street?

1040 S Cottonwood Street is open for tours now. It is a 4 bed, 1 bath, 1,140 sqft home listed at $205,000.

Tap Tour this home to hold up to three times before you pick one — Myli confirms by text and your HouseLoop agent meets you there, no back-and-forth phone tag required.

How do I get more information about 1040 S Cottonwood Street?

It is a 4 bed, 1 bath, 1,140 sqft home listed at $205,000.

Ask Myli anything about this home right on this page — she can pull the schools, taxes, HOA and recent sales in Ottawa in seconds — or tap Ask a question to reach a HouseLoop agent directly.

Can I take a virtual tour of 1040 S Cottonwood Street?

Not yet — 1040 S Cottonwood Street doesn't have a video walkthrough posted with this listing, so the photos and floor plan on this page are the best preview available right now.

Tap Tour this home and your HouseLoop agent will walk it live on video for you if you can't make it in person, or Ask Myli to check back once one is added.

How much is the monthly payment for 1040 S Cottonwood Street?

About $1,170 a month with 10% down at 6.5% over 30 years, before taxes and insurance; with this home's $2,702 tax bill folded in it lands near $1,490.

Your real number moves with the down payment and rate you lock — drag the sliders on this page, or tap Get pre-approved and Myli lines up a pre-approval in as little as 24 hours.

How do I get pre-approved to buy 1040 S Cottonwood Street?

Tap Get pre-approved and a HouseLoop lending partner can answer in as little as 24 hours with a soft credit check that never affects your score — no documents to dig up before you start.

A pre-approval is what turns "we're just looking" into a real number sellers take seriously. Tap Get pre-approved to get the process moving, or Ask Myli what to expect first.

Can I negotiate the asking price for 1040 S Cottonwood Street?

Yes. 1040 S Cottonwood Street was listed on February 10, 2026, and the price changed on October 2, 2026. How much room there is depends on how long a home has sat and what else is competing for a buyer's attention.

Your HouseLoop agent writes the offer with the recent sales in Ottawa sitting right beside it, so you know before you sign whether you're negotiating from strength. Ask Myli or tap Ask a question to start.

How do I make an offer on 1040 S Cottonwood Street?

Making an offer on 1040 S Cottonwood Street means putting a price, a timeline and your financing in writing, along with any contingencies you want — inspection, financing, or an appraisal gap clause if the market calls for one.

Ask Myli "what should I offer" or tap Ask a question, and your HouseLoop agent prepares the offer and handles the contingencies, timing and paperwork with you, not for you.

What is the price per square foot for 1040 S Cottonwood Street?

$180 per square foot ($205,000 over 1,140 sqft).

Price per square foot is the fastest way to compare this home to the next one you tour — See Offer insights below for how that stacks up against what's actually selling, or Ask Myli to pull three more like it nearby.

How long has 1040 S Cottonwood Street been on the market?

Listed on February 10, 2026.

How long a home has been listed is the clearest early read on a seller's flexibility, so it is worth checking back as this one's count grows. Tap ♥ to save it and Myli will text you the moment the price or status changes.

When was 1040 S Cottonwood Street built?

1040 S Cottonwood Street was built in 1950, so it is about 76 years old.

A home's age shapes what an inspection tends to flag — roof, HVAC and plumbing lifespans especially. Ask Myli what to expect from a home this age, or tap Tour this home to see the mechanicals in person.

How many bedrooms and bathrooms does 1040 S Cottonwood Street have?

1040 S Cottonwood Street is a home with 4 bedrooms and 1 bathroom across 1,140 square feet, on a 0.14 acre lot, per the MLS record for this address.

Bed and bath count is usually the first filter a buyer sets, so it's worth confirming here before you compare this home to the next one. Ask Myli to pull three more nearby with the same layout, or tap Tour this home to walk the floor plan in person.

What is the lot size of 1040 S Cottonwood Street?

0.14 acres (about 6,038 square feet), per the county record for 1040 S Cottonwood Street.

Lot size drives what you can add later — a pool, a shop, room to expand — more than the house itself does. Ask Myli how that compares to other lots in Ottawa, or tap Ask a question to find out what's allowed.

Does 1040 S Cottonwood Street have a garage, a basement, air conditioning?

1040 S Cottonwood Street has a crawl space basement, and electric cooling.

Garage size and a finished basement are two of the fastest ways to add real living space without a remodel. Ask Myli if that trade-off makes sense for your search, or tap Tour this home to see it in person.

What are the floors made of in 1040 S Cottonwood Street?

Carpet and Wood, per the MLS record for 1040 S Cottonwood Street.

Flooring type affects both upkeep and resale — hard-surface floors show better in photos and hold up longer than carpet in high-traffic rooms. Ask Myli what buyers in Ottawa tend to prefer, or tap Tour this home to see it yourself.

What are the property taxes for 1040 S Cottonwood Street?

Public records show about $2,702 a year (1.3% of the list price) for 1040 S Cottonwood Street. Taxes can change on reassessment, especially after a sale.

Property tax is folded into the payment estimate above — drag the sliders in the HouseLoop Mortgage Calculator to see how a different assessment would change your monthly number, or tap Get pre-approved to ask a lender directly.

Are there HOA fees for 1040 S Cottonwood Street?

No HOA is listed for 1040 S Cottonwood Street, and public records show none recorded on this parcel.

No HOA means more control over the property and no monthly fee, but also no shared maintenance budget for the roof, the street or the common areas. Ask Myli if that trade-off makes sense for you.

Is 1040 S Cottonwood Street still for sale?

Yes — 1040 S Cottonwood Street is active as of February 10, 2026.

Tap Tour this home to see it in person this week, or Ask Myli to run the numbers on financing and the neighborhood's recent sales first if you want the full picture before you go — she can also pull the schools and taxes while you decide.

Can I share 1040 S Cottonwood Street with someone?

Yes — tap the share icon on this page to send 1040 S Cottonwood Street by text, email, or straight to Facebook, X or WhatsApp.

Whoever opens it lands on this exact page, photos and FAQ included, no login required to view. Ask Myli to summarize the home in a few lines you can paste yourself instead, if that's faster.

How do I follow the Ottawa market?

Tap ♥ on 1040 S Cottonwood Street to get a text the moment its price or status changes, or search Ottawa on HouseLoop and tap Save search to hear about every new listing that matches.

A saved search runs in the background and checks itself, so you see a new listing the day it hits rather than a week later. Ask Myli to set one up for you in this conversation.

Can I ask a question about 1040 S Cottonwood Street?

Yes — ask her anything about 1040 S Cottonwood Street right below this list: the price history, the schools, what a fair offer looks like, or how it compares to what else is for sale in Ottawa.

She reads the full listing record and this page's own market data before she answers, and hands off to a HouseLoop agent the moment a question needs one. Tap Ask Myli below to start.