Independence Homes with Conventional Financing

Located in the vibrant city of Independence, Missouri, the Independence school district offers a top-notch education to students in the area. Nestled in Jackson County, Independence is a thriving community with a rich history and a promising future.

For those looking to settle down in this welcoming city, homes with conventional financing are readily available. Whether you're a first-time homebuyer or looking to upgrade to a larger space, Independence has a variety of housing options to suit your needs.

With its convenient location, excellent schools, and diverse real estate market, Independence is the perfect place to call home. Explore the possibilities in this charming city and discover why so many people are proud to be part of the Independence community.

Newest Independence Homes with Conventional Financing

$192,500

3 Beds ⋅ 1 Baths

Great 3-bedroom starter home located by the lake! Affordable and low maintenance. Updated vinyl siding, windows, ceiling fans, light fixtures, sliding door, furnace, and air conditioning. Roof and gutters 2017, painted exterior 2018, quartz countertops, tiled floors in the updated eat-in kitchen, refrigerator 2020, gas stove 2018, and disposal 2020. Fenced backyard and brand-new carpet throughout. Must see!

1622 N Emery Street, Independence

Listing courtesy of Joey Zarrillo of RE/MAX Heritage.

$50,000

3 Beds ⋅ 1 Baths

Opportunity awaits!! Investor special! 3 beds 1 bath ranch home. Was previously rehabbed. Fire damage. 150 ish ARV

332 N Cedar Avenue, Independence

Listing courtesy of Wendy Linebaugh of ReeceNichols - Lees Summit.

$270,000

4 Beds ⋅ 3 Baths

Welcome to 1432 W Walnut — a beautifully reimagined home where modern updates, flexible living space, and thoughtful design come together. Completely remodeled from top to bottom, this home offers a fresh, move-in-ready feel with updated flooring, paint, fixtures, finishes, bathrooms, and inviting living spaces filled with natural light. One of the most unique features is the TWO PRIMARY SUITES, making this home perfect for multi-generational living, extended family, guests, or anyone who values additional privacy and flexibility. With a primary suite and everyday living space available on the main level, the layout allows multiple generations to comfortably live under one roof while still maintaining their own space. Need even more room? The FULLY FINISHED ATTIC provides valuable additional living space that could be used as a home office, playroom, hobby space, bonus room, guest area, or whatever best fits your lifestyle. Whether you are searching for a beautifully updated home with room to spread out, a true multi-generational living arrangement, or simply a property where the work has already been done for you, 1432 W Walnut deserves a closer look. This is more than a remodel — it is a home designed to offer options, comfort, and flexibility for the way families live today. Schedule your private showing and come see what makes this one different.

1432 W Walnut Street, Independence

Listing courtesy of Johnna Dean of 1st Class Real Estate KC.

$489,000

Commercial lot available in a high-visibility location on busy E 23rd Street, directly next to Casey’s. This property offers excellent road exposure in an established commercial area with steady traffic throughout the day. The location provides a great opportunity for a new business, expansion, or future development. With Casey’s immediately next door, the property benefits from an already established traffic generator and strong visibility from E 23rd Street.

1106 E 23rd Street S, Independence

Listing courtesy of Tina Davis Davis of Platinum Realty LLC.

$18,000

Wooded Building Lot in Sugar Creek – 11806 East Lexington Ave Bring your dream home to life on this beautiful 0.7523-acre wooded lot in Sugar Creek, MO! Set in its natural state, this property is blanketed with mature trees and offers a gently sloped topography, perfect for a walkout basement design or a home that takes advantage of the natural elevation change. Enjoy the privacy and character of a tree-lined setting while still being just minutes from major commute routes. Downtown Kansas City, Lee's Summit, and other regional employment hubs are all a manageable drive away, making this an ideal location for anyone who wants a peaceful, natural setting without sacrificing convenience. Whether you're an outdoor enthusiast, a nature lover, or simply looking for a quiet retreat to build your custom home, this lot offers endless potential. Come see the possibilities for yourself!

11806 E Lexington Avenue, Sugar Creek

Listing courtesy of Juan Aldama of NextHome Gadwood Group.

$525,000

1 or 2 Duplexes available! Estimated rent is around $1850 per side. Excellent investment opportunity with strong rental appeal! This brand-new, modern duplex features two spacious 2-story units, each offering 3 bedrooms, 2.5 bathrooms, and an open-concept layout designed for today’s renters. Contemporary kitchens include stylish finishes, soft close cabinets and ample natural light throughout. Each unit offers a private primary suite with en-suite bath, two additional bedrooms and a full hall bathroom. Attached 2-car garages provide added tenant convenience and storage. Built with energy-efficient construction and all-new systems, this low-maintenance property is ideal for investors seeking long-term value, reduced upkeep costs, and excellent income potential. Perfect for owner-occupants looking to house hack or investors expanding their rental portfolio. OWNER/AGENT

1103 S Kings Highway, Independence

Listing courtesy of Harry Meierarend IV of RE/MAX Premier Properties.

$250,000

3 Beds ⋅ 2 Baths

Welcome to this white-glove tested 3 bedroom, 2 bath raised ranch with 2 car garage. Professional pics coming soon!

18104 E 27th Terrace S, Independence

Listing courtesy of Brett Wren of RE/MAX Heritage.

$170,000

4 Beds ⋅ 2 Baths

Welcome home to this charming ranch offering beautiful hardwood floors, valuable recent updates, flexible living space, and an impressive double-sized lot! The main level features 3 bedrooms, updated vinyl windows, and gorgeous hardwood flooring throughout much of the home. The 3rd bedroom is currently being used as a convenient main-floor laundry room just off the kitchen, offering the next owner flexibility to use the space in the way that works best for them. Major improvements have already been taken care of, including a furnace and air conditioner less than one year old, newer gutters with leaf guards, and low-maintenance vinyl siding. Need extra garage and storage space? You’ll love the spacious detached 2-car garage, complete with a new garage door opener and a loft area providing plenty of additional storage. The basement adds even more usable space with a non-conforming bedroom, recreation room, and walkout door leading to the side yard. You’ll also find a partially finished full bathroom that is plumbed for a shower and ready for your design choices. Outside, the double-sized lot provides plenty of room to spread out, garden, entertain, or simply enjoy the outdoors. Relax on the patio behind the home and take advantage of all the extra yard space this property has to offer.

10305 E 35th Street, Independence

Listing courtesy of Alicia Gibson of RE/MAX Premier Properties.

$195,000

2 Beds ⋅ 2 Baths

Don’t let the exterior fool you—this condo is WAY bigger than it looks and truly needs to be seen to appreciate all the space it offers! Featuring 2 bedrooms and 2 bath, this home offers multiple living spaces and a flexible floor plan that gives you room to live, entertain, work, and relax. The formal living room could easily serve as a formal dining room and features a sliding door leading to the patio. Just beyond is another spacious living room centered around a beautiful, well-cared-for brick fireplace, creating a warm and inviting gathering space. The kitchen opens directly to the fireplace living room and offers ample counter space, plus a convenient overhang for chair seating. Another bonus/flex/multipurpose room off the living room provides even more possibilities to fit your needs—perfect for a home office, hobby or craft room, reading room, playroom, workout space, additional sitting area, or whatever space your lifestyle calls for. Additional storage is also available. The main-floor laundry/mud room is conveniently located just off the kitchen. The roomy primary bedroom features its own sliding door to the patio and a jetted tub for relaxing at the end of the day. Enjoy the outdoors from the private patio, complete with a swinging bench that remains with the home. Attached 1-car garage adds convenience, plus 2 common parking spaces are conveniently located across the street and additional common parking is available along the street for guests. Approximate ages: water heater 6 years, furnace 10 years, A/C 8 years. So much more space and versatility than you would expect—come see it for yourself!

312 E HANSEN Court, Independence

Listing courtesy of Kendra Shepard of Real Broker, LLC.

$220,000

3 Beds ⋅ 1 Baths

Check out this beautifully updated 3 bedroom, 1 bath ranch home! Featuring stylish LVP flooring throughout and a brand new kitchen designed with both function and style in mind. The kitchen offers brand new stainless steel appliances, beautiful granite countertops, and a fresh, modern feel. The convenient ranch style layout provides comfortable one level living and makes excellent use of the space. Ideally located with easy access to shopping, dining, entertainment, schools, major roadways, and everyday amenities. This move in ready home offers the perfect combination of modern updates, comfort, and convenience. Don't miss the opportunity to make this charming home yours!

2309 S Crescent Avenue, Independence

Listing courtesy of Jamie Talley of RE/MAX Innovations.

$130,000

1 Beds ⋅ 1 Baths

Adorable 1 bed/1 bath home that has been renovated and move in ready! Brand new kitchen with raised panel crisp white cabinetry, lovely granite counters and stainless appliances. New lifeproof vinyl plank flooring throughout Major items addressed! NEW ROOF, HVAC, WINDOWS, plumbing, and electrical. Fenced back yard with 2 car garage which is a great space for a workshop or extra storage. Come see today!

10522 E 6th Street, Independence

Listing courtesy of Cheryl Scheele of Platinum Realty LLC.

$350,000

3 Beds ⋅ 3.5 Baths

Welcome to a thoughtfully designed home offering comfort, functionality, and accessibility in a convenient Independence location. This home features a spacious layout with inviting living areas, comfortable bedrooms, and features designed to accommodate a variety of needs. A standout feature is the wheelchair accessibility of the hall bathroom and the front bedroom, which also includes a convenient half bath. These accessible spaces provide added ease and functionality, making the home an excellent option for those seeking accessibility without sacrificing comfort. With its practical layout and versatile spaces this All Brick Ranch offers the opportunity to create a home that works for your lifestyle. Whether you're looking for accessible living, additional flexibility for guests or family members, or simply a home with thoughtful features, this property is worth a look. Come see the possibilities and discover what makes this a place to call home! Selling AS-IS

2622 Mohican Avenue, Independence

Listing courtesy of Sherri Oaks of ReeceNichols - Lees Summit.

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