100 percent Financing Available Through USDA/Rural Housing! This immaculate, move-in-ready bi-level home in Independence, KY offers modern updates, an open floor plan, and a rare finished walkout lower level with a full bath--a unique feature for this style of home. Featuring soaring cathedral ceilings, maintenance-free flooring throughout, neutral décor, updated lighting, and ample natural light, this home is designed for comfortable everyday living. The spacious kitchen offers an open layout with stainless steel appliances, crown molding, and a bay window, creating a bright and inviting space for cooking, dining, and entertaining. Beautiful cased windows add character and craftsmanship throughout the home. The owner's suite features a tray ceiling and private attached bath, providing a relaxing retreat. The finished walkout lower level significantly expands the living space and includes a full bathroom, making it ideal for a family room, recreation room, guest space, home office, or multigenerational living. Outdoor living includes a refinished deck overlooking an oversized corner lot, providing plenty of space for entertaining, children, pets, gardening, or simply enjoying the outdoors. Additional highlights include a new HVAC system and a convenient location close to shopping, grocery stores, restaurants, parks, schools, and major commuting routes. This move-in-ready home combines modern updates, flexible living space, and exceptional financing opportunities in one outstanding package.