Fort Osage Homes with FHA Financing

Fort Osage Homes with FHA Financing

Welcome to the Fort Osage school district in Jackson County, Missouri! This vibrant community offers a top-notch education for students, making it an ideal place for families to call home. The Fort Osage school district is known for its excellent academic programs, dedicated teachers, and a wide range of extracurricular activities.

Located in Jackson County, Missouri, Fort Osage provides a beautiful backdrop for those looking to settle down in a welcoming and family-friendly environment. With its close-knit community and convenient access to amenities, this area offers the perfect blend of small-town charm and modern conveniences.

If you're considering purchasing a home in the Fort Osage school district, you'll be pleased to know that many properties are eligible for FHA financing. This can make buying a home more accessible and affordable for first-time homebuyers or those with limited down payment funds. With FHA financing available, you can explore a variety of housing options in this desirable area.

Whether you're drawn to the excellent schools, the picturesque surroundings, or the opportunity for FHA financing, Fort Osage in Jackson County, Missouri, offers a wonderful place to live, work, and play. Discover the perfect home for you and your family in this charming community today!

Newest Fort Osage Homes with FHA Financing

$300,000
3 Beds ⋅ 2 Baths
Welcome home! This charming ranch with beautiful design elements throughout is ready for its next chapter. With updated flooring and paint throughout most of the home, every room feels fresh and cozy. The large kitchen features new backsplash and newer stainless appliances. The primary bedroom and en suite feel like an oasis in your own home. The open living and dining room will make all gatherings feel intimate without feeling crowded. There is even more to love on the outside with a gorgeous covered porch on the front and large patio, covered with a pergola, in the back. You not only get a beautiful home, you also get to enjoy the neighborhood amenities, including pool and playground, both a flat walk or quick drive down the road. Come see if this house could be your new home today!

19624 E 7th Street Court N, Independence

Listing courtesy of Shelby Smith of Juncture.
$270,000
3 Beds ⋅ 2.5 Baths
Welcome home to this beautifully updated, move-in ready home located in the highly sought-after Fort Osage School District! Offering 3 bedrooms, 3 bathrooms, and a spacious 2-car garage, this home has been thoughtfully refreshed with all new interior and exterior paint and brand-new flooring, creating a clean, modern feel from the moment you walk in. The kitchen comes complete with the refrigerator, range, microwave, dishwasher, and ample cabinet space. The washer and dryer are also included, making this home truly move-in ready. The finished lower level provides additional living space along with a non-conforming bedroom or private home office, offering flexibility to fit your needs. Step outside to enjoy the brand-new oversized deck overlooking a private, fully fenced backyard, perfect for entertaining, relaxing, or enjoying the outdoors. A large storage shed provides plenty of space for lawn equipment, tools, and additional storage. Situated in a quiet, established neighborhood within the Fort Osage School District, this home offers the perfect combination of comfort, convenience, and value. With its extensive updates, functional floor plan, and desirable location, this move-in ready home is priced to sell and won’t last long.

1704 N LAZY BRANCH Road, Independence

Listing courtesy of Jeremy Blackmon of 1st Class Real Estate KC.
$465,000
4 Beds ⋅ 3 Baths
Rare opportunity to own almost 2.5 acres in town! Offering the perfect blend of privacy, space, and convenience. This beautifully maintained 4-bedroom, 3-bath home features over 2,000 square feet with plenty of room to live, work, and entertain. The inviting great room showcases vaulted ceilings and a stunning floor-to-ceiling wood-burning fireplace. The kitchen offers granite countertops, abundant cabinetry, included appliances, and access to the covered porch overlooking your beautiful backyard! The main-level primary suite includes updated LVP flooring, a renovated bathroom with a tiled walk-in shower, updated vanity, and walk-in closet. The main floor also features two additional bedrooms, a full laundry room, and convenient everyday living. Upstairs, the cat walk connects to the oversized fourth bedroom. Enjoy the outdoors with beautifully landscaped grounds with a large storage shed, and plenty of room for hobbies, gardening, or entertaining. Recent updates include a NEW roof (2024), newer septic system, newer sump pump, radon mitigation system, and an unfinished basement ready for storage, a workshop, home gym, or future expansion. A rare find with acreage, updated features, spacious living areas, and an in-town location. This property offers the lifestyle you have been searching for!

2219 N Whitney Road, Independence

Listing courtesy of Aerianna Pazienza of 1st Class Real Estate KC.
$234,900
3 Beds ⋅ 2 Baths
**MOTIVATED SELLER providing up to $10,000 BUYER INCENTIVE for CLOSING COSTS/RATE BUY DOWN** This beautifully maintained raised ranch offers the perfect blend of modern updates, functional living space, and long-term peace of mind. Situated in an established Independence neighborhood, this move-in-ready home is ideal for first-time buyers, downsizers, or anyone looking for a home that's been lovingly cared for and thoughtfully updated. Featuring 3 bedrooms, 2 full bathrooms, and approximately 1,316 square feet of living space, this home is ready for its next chapter. Inside, you'll find a bright and welcoming interior highlighted by newer carpet and an updated kitchen designed for everyday living and entertaining. The kitchen features: • Crisp white cabinetry • Stylish countertops • Stainless steel appliances • Functional layout with excellent workspace and storage. The comfortable floor plan offers a warm and inviting atmosphere with space to gather, relax, and enjoy daily life. Step outside to your own private backyard retreat featuring: • Fully fenced backyard • Covered patio for year-round enjoyment • Storage shed for additional storage needs • Plenty of space for pets, gardening, recreation, or entertaining. One of the standout features of this home is the extensive maintenance and system improvements already completed for the next owner's benefit, including: • Newer roof • Updated HVAC system • Updated water heater • Enhanced attic insulation for improved energy efficiency • Ongoing care and maintenance throughout ownership. Enjoy a convenient location with quick access to Highway 291, shopping, restaurants, schools, and everyday amenities, making commuting and daily errands easy. Well-maintained. Thoughtfully updated. Move-in ready. If you've been searching for a home that offers both value, peace of mind and $ towards your closing costs, 317 N Cochise Dr deserves a spot at the top of your list. SCHEDULE YOUR SHOWING TODAY!!

317 N Cochise Drive, Independence

Listing courtesy of Haywood Jackson II of Platinum Realty LLC.
$450,000
5 Beds ⋅ 2.5 Baths
Gorgeous New Construction in Desirable Regency Heights! Welcome to this beautifully designed 2-story home offering 5 bedrooms, 2 full baths, 1 half bath, a 2-car garage, and approximately 2,200 square feet of finished living space in the highly sought-after Fort Osage School District. The main level features a bright, open-concept floor plan with a spacious living room, dining area, and beautifully designed kitchen complete with all appliances and a walk-in pantry. You’ll also find a versatile flex room that can serve as a home office or fifth bedroom, along with a convenient half bath. The upper level offers a spacious primary suite featuring a private en-suite bathroom and walk-in closet. Three additional generously sized bedrooms, a full bathroom, and an upstairs laundry room provide everyday convenience and plenty of space for family and guests. Step outside from the dining area onto the spacious deck overlooking a private, wooded backyard—perfect for relaxing or entertaining. The full walkout basement is unfinished and already stubbed for an additional bathroom, offering endless possibilities to finish with additional bedrooms, a large family room, or extra living space while adding instant equity. Located in the highly desirable Regency Heights neighborhood, you’ll enjoy HOA amenities including a community swimming pool just a short walk from your front door. Combining quality new construction, a functional floor plan, modern finishes, and an outstanding location in the Fort Osage School District, this move-in-ready home is affordably priced and ready for its new owners. Schedule your private showing today!

1111 N Belvidere Avenue, Independence

Listing courtesy of Jeremy Blackmon of 1st Class Real Estate KC.
$314,900
2 Beds ⋅ 2 Baths
Well maintained patio home on quite corner lot. Maintenance provided community with monthly dues of ONLY $70.00 per month (lawn, trash, snow removal). New carpet (2026) and new interior paint (2026).

1808 N Keenan Street, Independence

Listing courtesy of Scott Emmack of ASI Real Estate Group LLC.
$310,000
3 Beds ⋅ 2.5 Baths
Welcome Home! This 2.5 bathroom, finished basement home offers an open concept with vaulted cathedral beamed ceilings and brick fireplace with built-in features. Formal dining room with bay windows. Kitchen has plenty of cabinet space with new granite countertops, tile backsplash and all stainless steel appliances including gas range. The bedrooms feature high-end carpet with pet-protection padding. Master Suite has a new vanity linen closet, tiled shower and floor. Main floor bath features tile flooring and surround tile in the deep shower over tub. Laundry space has several upper cabinets for storage. Newer high-traffic stair carpet to the finished basement featuring all tile flooring, a 1/2 bath, and unfinished storage space. The 25' deep garage allows for extra work space on the built-in work bench. Newer insulated garage doors and openers with WiFi capabilities. The large privacy fenced yard with patio space is great for entertainment. Sip your morning coffee or enjoy the sunset on the custom cedar front porch with solar lighting. Water heater and AC less 7 years old. Roof is roughly (5 years) Quality finishes and pride of ownership show in this home. Turn-Key and Ready to Move-In. Buyers agent to confirm sqft, taxes and room descriptions.

1823 N Lazy Branch Road, Independence

Listing courtesy of Heather Selsor of RE/MAX Innovations.
$259,900
3 Beds ⋅ 2 Baths
This exceptional 3-bedroom, 2-bathroom split-level home is in pristine, move-in ready condition, beautifully combining a dynamic multi-level layout with an attached 2-car garage and a wonderful backyard that is perfect for outdoor activities, gardening, or relaxing. The main level features a bright, efficiently designed kitchen equipped with durable laminate countertops and a sleek suite of premium stainless steel appliances. Designed with comfort in mind, the private sleeping quarters feature plush carpeting in the bedrooms for added warmth and relaxation underfoot. Providing incredible additional living space, the home also boasts a fully finished basement complete with a cozy fireplace and a full bathroom, making this turnkey residence completely ready for a stress-free transition into a versatile and comfortable lifestyle.

1613 N Glen Ellyn Street, Independence

Listing courtesy of Robert Salmons of Entera Realty.
$549,000
3 Beds ⋅ 3.5 Baths
Nestled on 10.7 picturesque acres, this stunning log home offers the perfect balance of privacy, space, and natural beauty. A long private drive with two separate entrances leads you to a peaceful setting featuring a stocked fishing pond, established apple, pear, and peach trees, blackberry bushes, and beautiful surroundings adjacent to WinterStone Golf Course. Inside, more than 3,400 square feet showcases the warmth and craftsmanship of a true log home. Soaring vaulted ceilings, exposed beams, and expansive windows fill the home with natural light while capturing scenic views of the pond and surrounding acreage. The breathtaking great room is highlighted by dramatic floor-to-ceiling windows and direct access to the deck, creating an incredible space to gather or simply enjoy the view. The open kitchen offers abundant cabinetry, generous counter space, a center island, and flows seamlessly into the dining area, while the open loft overlooks the main living space and adds even more flexibility. The spacious floor plan includes 3 bedrooms, 3 full bathrooms, and 1 half bath, providing plenty of room to spread out while maintaining the inviting feel and character only a log home can offer. The primary suite features vaulted ceilings, a large vanity, soaking tub, and abundant natural light. Step outside to enjoy the expansive deck overlooking the stocked pond, fish from your own property, pick fresh fruit from the established orchard, or simply relax and take in the peaceful surroundings. A detached two-car garage adds convenience, while the combination of acreage, water, mature fruit trees, privacy, and timeless log home architecture creates an opportunity that's rarely available. This is country living at its finest, just moments from WinterStone Golf Course. Schedule your private showing today!

17301 E Kentucky Road, Independence

Listing courtesy of Hern Group of Keller Williams Platinum Prtnr.
$170,000
3 Beds ⋅ 1 Baths
Welcome home to this inviting 3-bedroom, 1-bath ranch offering updated comfort and a touch of country charm. The home features luxury vinyl plank flooring throughout and a refreshed kitchen and bath, giving the interior a modern, move-in-ready feel. All appliances stay, adding convenience for the next owner. Step outside to enjoy a deck overlooking the fenced backyard—perfect for relaxing, pets, or outdoor gatherings. The home also includes a 1-car garage and durable vinyl siding for easy maintenance. Across the street, an open field provides a peaceful, rural backdrop while still keeping you close to everything. With quick highway access and proximity to Fort Osage Schools, this location blends quiet living with everyday convenience.

1713 N Whitney Road, Independence

Listing courtesy of Carolyn Clarke of Platinum Realty LLC.
$225,000
3 Beds ⋅ 1.5 Baths
Welcome to this beautifully maintained raised ranch in the highly sought-after Fort Osage School District! Situated on a gorgeous corner lot, this property offers the perfect combination of comfort, convenience, and peace of mind with many of the big-ticket updates already updated. Right inside the front door is a bright and inviting living room that flows into the kitchen featuring great cabinet space and a newer stove. Just beyond the kitchen, you'll love the sunroom addition, offering the perfect spot for morning coffee, relaxing with a good book, entertaining guests, or creating a home office filled with natural light. The fenced backyard provides plenty of room for kids, pets, gardening, or summer gatherings, and includes a storage shed for all your lawn equipment and outdoor storage needs. Major updates within the last few years include the roof, vinyl siding, Anderson windows, stove, carpet, and more, giving buyers added confidence and reducing future maintenance costs. The finished lower level offers additional living space that can be used as a family room, game room, home gym, or office while the oversized two-car garage provides extra storage. If you've been searching for an affordable home with a fantastic lot, valuable updates already completed, and located in the desirable Fort Osage School District, this one is a must see!

17914 N Whitney Road, Independence

Listing courtesy of Danielle Guzman of Real Broker, LLC-MO.
$259,900
3 Beds ⋅ 2 Baths
Country Quiet. Convenient Access. Built-In Income Potential. Tucked at the edge of the countryside near tree farms and the stunning WinterStone Golf Course — just 15 minutes from Liberty with convenient access to Highway 291 — this beautifully updated 3-bedroom, 2-bath ranch delivers the rare combination of peaceful, close-knit living and easy access to the metro when you need it. Inside, a bright, open-concept kitchen with brand-new stainless steel appliances flows into rich hardwood floors throughout the main living space. Every detail feels fresh, warm, and truly move-in ready. Downstairs is where this home sets itself apart. The basement — ready for finishing, with a full bathroom already in place and framing for a possible fourth bedroom — has its own private outside entrance, reached by a separate hall and staircase completely apart from the main living space. The garage also connects directly into this same private hall, with its own lockable access point. Because the space is fully separate from the backyard, it's set up beautifully as a private basement apartment, guest suite, or income-producing rental — flexibility that's genuinely hard to find at this price point. Out back, a fully fenced yard centers around a shaded, covered patio on a concrete slab, made for slow summer evenings and quiet sunrise coffee. And the numbers back it up: active solar panels keep utility bills exceptionally low, and a newer roof means years of peace of mind before you ever think about replacing it. Single-level living, country-quiet setting, and a basement built to earn its keep — this one won't sit long. Photos include virtual staging to help you envision the space's potential.

1211 N Cedar Crest Drive, Independence

Listing courtesy of Angela Moyer of RE/MAX Innovations.
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