223 S Oak St, Pratt KS38 photos
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Owner finance

$375,000

223 S Oak St

Pratt, KS 67124

Beds8
Baths3
Sq ft6,894
Year built1884
Rent estimate$1,597/mo
Listed by

The owner (for sale by owner, no agent). Contact the owner through the original listing.

What the listing says

Owner Carry Finance with 50k down!!! Currently, a new bathroom is in progress, with a new double-entry front door!!! New photos coming soon!This building was constructed in 1884 as a beautiful Victorian home. It was remodeled in 1930, 1980, 1992, partially in 2025, and more in 2026. In addition to a residence, it has been utilized as the Elks Club for many years, a church, and a law office. It is now a home again and zoned single-family. It is conveniently located near the Pratt Police/Sheriff, Courthouse, US Post Office, and the Pratt downtown area. Its vintage charm includes wide hardwood door casings, solid wood doors, and a spindle stair railing. Off the entry is a living room and, in total, 6 bedrooms, 2 full baths, and 1 x 1/4 bathroom with vintage tile floors. The 2nd floor includes a full bath with a closet, 5 tons of new Mitsubishi mini-splits, and a large room with vaulted ceilings & ceiling fans. The second floor is wide open with the original hardwood floors and a new full bathroom. The basement includes a living room with a full bar, a kitchen, 2 bedrooms, and a 1/4 bath. The basement has both a personal entrance and a rear service walkout with an extra-wide staircase. This home comes with enough building supplies to continue remodeling, such as marble tile to finish 2 bathrooms, 2 jet tubs, plumbing supplies (pipe, fittings, PEX), mold-resistant sheet rock for both bathrooms, oak cabinets, lumber, a new Pella sliding doorway, a Wolf double oven, and much more. The roof is 6 years old, and the gutters are in good shape. Must schedule all private showings with the owner.

See the original listing ↗

This listing mentions owner financing. Terms are set by each seller and are negotiable. The description and numbers come from the listing and Zillow; confirm availability, the price and any financing with the seller or their agent.

Property Details

Property Type

Single Family

Lot Size

14,374 sq ft

HOA

None

More owner-financed homes near Pratt

Questions about owner financing in Pratt

What is owner financing for 223 S Oak St?

Owner financing means the seller of 223 S Oak St acts as the lender. Instead of getting a mortgage from a bank, you make monthly payments directly to the property owner. The listing for this Pratt, KS home mentions owner financing; confirm it with the seller.

Do I need good credit for owner financing?

There's no bank approval, but each seller sets their own requirements. Some check credit, income or references; others don't. Ask the seller or their agent what they need.

How much is the down payment for this Pratt home?

There is no standard down payment. The seller of this Pratt home sets their own, and it is negotiable. Ask the seller or their agent.

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