100 percent Financing Available Through USDA/Rural Housing! This immaculate brick-wrapped home in Independence, KY offers 3 finished levels, flexible living space, and an ideal setting on a low-traffic cul-de-sac street just a short walk to the neighborhood playground. Featuring an open floor plan, ample natural light, gleaming hardwood floors, and neutral décor, this move-in-ready home blends comfort and functionality with thoughtful updates throughout. The beautifully updated kitchen showcases quartz countertops, stainless steel appliances, and a bay window, creating a bright and inviting space for cooking and gathering. Modern lighting updates throughout the home add a clean, contemporary feel. The main living room features soaring cathedral ceilings accented by a brick fireplace, creating an impressive centerpiece for everyday living and entertaining. The flexible layout includes a first-floor laundry room and a first-floor family room that could easily convert into a 4th bedroom, home office, or guest space, providing versatility for growing households or multigenerational living needs. The owner's suite offers a private retreat with an attached remodeled bath, while additional bathrooms feature ceramic tile flooring, updated vanities, and modern fixtures. The finished lower level provides even more living space for recreation, entertaining, fitness, or hobbies. Outdoor living shines with a refinished deck, professionally landscaped yard, and a fenced backyard overlooking wooded views, creating a peaceful setting for relaxing or entertaining. Additional highlights include an oversized garage leading to an oversized driveway perfect for additional parking, basketball, gatherings, or entertaining. Conveniently located close to restaurants, grocery stores, shopping, and everyday amenities, this home combines space, updates, flexibility, and exceptional financing options in one complete package.