Independence Homes with VA Loan Financing

Welcome to Independence, a vibrant city with a top-notch school district that prioritizes academic excellence and student success. Families looking to settle down in a community that values education will find Independence to be the perfect place to call home.

Independence boasts a school district that is renowned for its dedication to providing high-quality education to students of all ages. With a focus on innovative teaching methods and a supportive learning environment, the schools in Independence consistently rank among the best in the state.

For those looking to purchase a home in Independence, the good news is that many properties are eligible for VA loan financing. This is great news for veterans and active-duty service members who are looking to achieve their dream of homeownership in this desirable area. With VA loan financing options available, purchasing a home in Independence has never been more accessible.

Whether you're drawn to Independence for its excellent school district, its welcoming community, or its convenient location, you'll find that this city has something to offer everyone. Come explore the real estate options available in Independence and discover why so many people are proud to call this city home.

Newest Independence Homes with VA Loan Financing

$115,000

2 Beds ⋅ 1 Baths

Turnkey 2-Bedroom Opportunity for Investors or Spring Owner-Occupants! Welcome to this charming 1930s 2-bedroom, 1-bath single-family home priced at $115,000—offering immediate, hands-off cash flow and major mechanical peace of mind. Curb appeal shines right from the street with classic stone walls framing the front yard and a welcoming front porch perfect for relaxing outdoors. The property is currently leased at $975/month through February 28, 2027, with professional property management already in place. Whether you are looking for a seamless, income-producing addition to your rental portfolio or an affordable future residence to move into come early spring, this property checks all the boxes. Inside, you’ll find 900 sq ft of classic character highlighted by hardwood floors and the convenience of main-level washer/dryer hookups. Step right out onto the deck off the kitchen for easy grilling or morning coffee overlooking the partially fenced yard. A full, unfinished basement offers generous storage space or future finishing potential. Big-ticket capital expenditures are already handled with a new HVAC system (2023) and a new roof (2019), keeping maintenance low. Additional perks include convenient on-street parking and low 2025 annual taxes of just $1,006. Portfolio Opportunity: Seller has additional Independence properties available for individual or package purchase: 1412-1414 W Short Ave (duplex), 1315 N Main St (SFR), 326 W Sea St (SFR), and 11401 E 9th St (SFR). Contact listing agent for showings! Owner agent

122 W NICKELL Avenue, Independence

Listing courtesy of Mark Boek of Platinum Realty LLC.

$249,500

4 Beds ⋅ 2 Baths

Completely remodeled and move-in ready! This stunning 4-bedroom, 2-bathroom home offers the perfect combination of modern updates, functional living space, and peace of mind. Nearly every major component has been updated, including a new roof, new HVAC system, new plumbing, new windows, and new 200-amp electrical service and panel, along with so much more. The fully finished basement adds incredible versatility and features a spacious primary suite complete with a private bedroom and walk-in closet. With four bedrooms, two full bathrooms, and plenty of finished living space, this home offers room to spread out and make it your own. From the extensive upgrades to the thoughtfully finished interior, this is an opportunity to own a beautifully renovated home without the worry of major projects. All the work has been done — just move in and enjoy!

2916 Ralston Avenue, Independence

Listing courtesy of Alex Lux Bolivar of Platinum Realty LLC.

2711-2713 Englewood Terrace, Independence

$230,000

Turnkey investment opportunity in Independence! This fully occupied, income-producing duplex offers immediate cash flow from day one with established tenants in place. Each spacious side features expansive 2 bedroom layouts, generous living spaces, and functional floor plans designed for high tenant retention. Conveniently located just minutes from major shopping centers, dining, and highway access, making it consistently easy to lease. Ideal addition to any investment portfolio or a great buy-and-hold property.

2711-2713 Englewood Terrace, Independence

Listing courtesy of Christopher Kelly of EXP Realty LLC.

$245,000

5 Beds ⋅ 2 Baths

Eligible for MHDC 100% financing and grant assistance for those who qualify! Welcome to this beautifully updated and maintained home offering space, functionality, and fantastic indoor and outdoor entertaining! The oversized kitchen is a standout feature, featuring custom cabinetry, granite countertops, and plenty of room to gather. Convenient main-level laundry adds to the home's thoughtful layout, while an integrated security system provides added peace of mind. You'll love the abundance of secure storage throughout the basement, garage, and outdoor storage areas, along with generous parking for vehicles, guests, and more. Step outside to discover a spacious, fully fenced yard designed for entertaining and relaxation, featuring two patios, a deck, and a large firepit—perfect for hosting friends and family or enjoying quiet evenings outdoors. With numerous updates, exceptional storage, and outdoor spaces that are hard to find, this home offers a wonderful combination of comfort, convenience, and versatility.

1110 S Crisp Avenue, Independence

Listing courtesy of Aaron Floyd of Keller Williams KC North.

$289,000

4 Beds ⋅ 3 Baths

A HOME WITH ROOM FOR EVERYONE AND SEPARATE LIVING QUARTERS! This unique property offers flexibility, convenience, and TWO DRIVEWAYS! The circular driveway in front provides easy access to the main level, while a second driveway leads to the rear of the property, providing convenient access to the completely finished lower level. Perfect for extended family, guests, or multigenerational living, the lower level features a bedroom, full bathroom, kitchen area, and spacious living room with plenty of windows providing natural light. The main level offers generous living space, a welcoming fireplace, formal dining room, and separate breakfast area. Step outside and enjoy the open deck or relax on the separate covered deck, accessible from the dining area, where you can enjoy peaceful views of the backyard and surrounding nature throughout the seasons. Conveniently located near shopping, schools, places of worship, and everyday amenities. Whether you're looking for additional living space, guest accommodations, or room for extended family, this property offers outstanding possibilities. TWO DRIVEWAYS, SEPARATE LIVING QUARTERS, AND ROOM TO SPREAD OUT! Don't miss this opportunity. Schedule your private showing today!

1106 W 35th Terrace, Independence

Listing courtesy of Judy Engle of Realty Professionals Heartland.

$219,500

4 Beds ⋅ 2 Baths

Welcome to this beautifully refreshed 4-bedroom, 2-bathroom home in Independence, Missouri! With extensive updates throughout, this move-in-ready home offers modern finishes, comfortable living spaces, and plenty of room to enjoy. Step inside to find beautifully refinished hardwood floors, fresh paint, updated lighting, and refreshed trim and doors. The kitchen features brand-new quartz countertops, refinished cabinetry, and all-new major appliances. Both bathrooms have been updated with new vanities, toilets, fixtures, and lighting. The home features three bedrooms on the main level and a fourth bedroom downstairs, along with a mostly finished basement offering additional living space perfect for entertaining, a home office, or a recreation area. Exterior improvements include brand-new windows, fresh paint, a newly poured concrete driveway and garage floor, plus an attached garage. With major improvements already completed inside and out, this home is ready for its next owner to move right in and enjoy.

1801 S Dodgion Avenue, Independence

Listing courtesy of Jonathan Minerick of homecoin.com.

$242,000

3 Beds ⋅ 2 Baths

Welcome home! This charming raised ranch offers 3 bedrooms, 2 bathrooms, and a 2 car garage , along with numerous recent updates that make it a wonderful place to call home. Enjoy a refreshed kitchen featuring new cabinets, beautiful new tile back splash and new countertops. The modern touches create a welcoming space for cooking, entertaining, and spending time with family and friends. This home also features recently updated bathrooms and family room. Enjoy the outdoors with this home. There is a recently added front deck and the backyard features a nice size deck, a pergola with a firepit great for relaxing and enjoying the outdoors. The home has a nice 2 car garage with a work bench great for working on projects and a shed for extra storage. Its also very convenient close to schools and parks It has great highway access making getting around town, shopping, and running errands a breeze. Come check out your new home.

1845 Indian Avenue, Independence

Listing courtesy of Maryann Weikal of Keller Williams Platinum Prtnr.

17312/17314 48th Terrace Court S, Independence

$275,000

Rare duplex at the very end of a cul-de-sac in Independence! 17312/17314 E 48th Terrace Ct S is a side-by-side bi-level duplex on a cul-de-sac where multifamily inventory rarely comes available. Each unit offers 2 bedrooms, 1.5 baths, a 1-car garage + additional driveway parking, and in-unit laundry. Inside, the main living area features vaulted ceilings with high windows that bring in plenty of natural light, and the eat-in kitchen includes a range, refrigerator, and dishwasher. Both bedrooms have ceiling fans, and a full bath with tub/shower plus a separate half bath add everyday convenience. The finished lower level gives you a large, flexible bonus space with a wet bar sink, ideal for a second living area, office, or hobby room. Central air and heat throughout. One side is occupied, and the other will be delivered vacant, making this an excellent opportunity for a house-hacker to live in one unit while the other helps offset the mortgage, or for an investor to set their own rent on the vacant side. Residents pay all utilities, keeping owner expenses low. Opportunities like this on a cul-de-sac don’t come along often, come see the vacant unit today!

17312/17314 48th Terrace Court S, Independence

Listing courtesy of Mike Hills of Atlas Real Estate LLC.

$170,000

4 Beds ⋅ 1 Baths

Welcome home to this beautifully updated 4-bedroom bungalow in Independence! Tucked away on a quiet street, this home offers the perfect blend of classic character and modern updates throughout. Step inside to bright, welcoming main-level living featuring stunning luxury vinyl plank flooring, high-end tile, and a fresh, cohesive design. The updated kitchen comes fully equipped with sleek granite countertops, while the four bedrooms offer plenty of flexibility for family, guests, or a dedicated home office setup. Out back, you'll find a deep lot with plenty of outdoor space to relax or entertain. Perfectly located near local schools and convenient highway access, this turn-key property is ready for its next owner to move right in and enjoy!

2513 S Evanston Avenue, Independence

Listing courtesy of Brittany Pedersen of Platinum Realty LLC.

$185,000

3 Beds ⋅ 1 Baths

Charming, Updated Ranch Bungalow with an Oversized Private Lot! Welcome home to this adorable 3-bedroom, 1-bath ranch bungalow nestled in a fantastic neighborhood! Bursting with character and curb appeal, this inviting home offers the convenience of one-level living with an impressive list of recent improvements. Step inside to discover beautifully refinished hardwood floors, fresh interior paint, and updated kitchen flooring. The kitchen features a new sink along with a new refrigerator, dishwasher, and range?all staying with the home! Additional upgrades include new windows, added attic insulation, select new interior doors, beautifully updated shower tile, and freshly painted exterior trim. Enjoy peace of mind with a roof approximately 3?4 years old and a new heating and cooling system installed in 2025! Outside, the oversized private lot offers endless possibilities for outdoor entertaining, gardening, or future improvements. Whether you're searching for your first home, looking to downsize, or adding to your investment portfolio, this charming bungalow offers a wonderful combination of character, comfort, and value. Move-in ready and full of potential?don't miss this opportunity!

1400 S Mccoy Street, Independence

Listing courtesy of Tami Froehlich of ReeceNichols - Lees Summit.

$163,500

3 Beds ⋅ 1 Baths

Welcome home to this beautifully renovated ranch that has been completely transformed inside and out! Every detail has been thoughtfully updated, offering the perfect combination of modern finishes and move-in-ready convenience. Step inside to discover fresh interior paint, gorgeous new engineered flooring, and plush new carpet throughout. The stunning new kitchen features stylish cabinetry, quartz countertops, subway tile backsplash, and beautiful finishes that bring the entire space together. The bathroom has also been completely remodeled from top to bottom, featuring fresh, modern finishes that complement the home's beautiful updates. The extensive improvements continue outside with fresh exterior paint, a brand-new asphalt driveway, mostly replaced windows, new doors, and new gutters. A spacious two-car garage provides plenty of room for parking and storage. With major mechanical systems replaced within the past five years, you can enjoy added peace of mind knowing the big-ticket updates have already been taken care of. From top to bottom, inside and out, this home has been refreshed and is truly ready for its next owner. Simply move in and enjoy!

537 S Cedar Avenue, Independence

Listing courtesy of Aaron Olla of Real Broker, LLC.

12507 E 39th Street S Unit #49, Independence

$180,000

2 Beds ⋅ 2 Baths

So much to love about this beautifully updated, spacious condo! Luxury vinyl plank flooring flows throughout, creating a seamless and stylish feel. The inviting living room is filled with natural light and features an upgraded ceiling fan and a gorgeous see-through fireplace shared with the dining area, adding warmth and charm to both spaces. The well-appointed kitchen offers a convenient breakfast bar, newer stainless steel appliances, and a generous walk-in pantry. Just off the kitchen, you'll find a versatile bonus space with a built-in coffee bar—perfect for a home office, cozy sitting area, or morning coffee retreat! The spacious primary suite features a walk-in closet and private bath with dual vanities and a walk-in shower. A second bedroom offers a large closet, while the second full bath includes a shower-over-tub combination. The dedicated laundry room provides built-in cabinetry, and the washer and dryer stay! Window blinds are also included throughout. Enjoy the added convenience of an attached one-car garage with private, direct access to the unit, plus additional parking spaces along the side. Low-maintenance living is a breeze, with HOA fees covering exterior maintenance, including roof repairs and replacement, as well as water/sewer, landscaping, trash service, snow removal, and parking lot and common grounds maintenance. Ideally located near shopping, dining, and major highways, this move-in-ready condo offers the perfect combination of comfort, convenience, and easy living. Welcome home!

12507 E 39th Street S Unit #49, Independence

Listing courtesy of Ask Cathy Team of Keller Williams Platinum Prtnr.

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

Independence Homes with VA Loan Financing

Newest Independence Homes with VA Loan Financing

How much is your home worth?

How much is your home worth?