White Bear Homes under $400,000

Welcome to White Bear Lake, Minnesota—a charming city that perfectly blends small-town warmth with vibrant community spirit. Nestled in Ramsey County, this picturesque locale is known for its stunning lakeside views, lush parks, and a rich tapestry of outdoor activities. Whether you're an avid nature lover or seeking a family-friendly environment, White Bear Lake has something for everyone.

One of the standout features of this delightful city is its accessibility to a variety of homes under $400,000. With a diverse selection of properties, you can find everything from cozy bungalows to contemporary townhomes, all designed to cater to different lifestyles and preferences. This affordability makes White Bear Lake an attractive option for first-time homebuyers, young families, and anyone looking to invest in a welcoming community.

Imagine waking up to the gentle sounds of nature and having the stunning White Bear Lake right at your doorstep. Here, you can enjoy year-round recreational activities, from boating and fishing in the summer to ice skating and sledding in the winter. The city also boasts a vibrant downtown area filled with charming shops, delicious eateries, and community events that foster a strong sense of belonging.

In White Bear Lake, you’re not just buying a home; you’re investing in a lifestyle where community, nature, and convenience come together beautifully. Explore your options today and discover the perfect home under $400,000 in this enchanting city!

Newest White Bear Homes under $400,000

$400,000

3 Beds ⋅ 4 Baths ⋅ 7109821 MLS

One level living at its best just minutes to White Bear Lake- a historic, scenic lakeside community known for its small-town charm and resort-town heritage. This well maintained three bedroom four bathroom townhouse is an end unit with a calming pond view and access to a common gazebo. This spacious two-story design features a kitchen offering granite countertops, abundant natural lighting, an informal dining area that has many bay windows, as well as a formal dining area that has classic parquet flooring. The main level primary bedroom has an en-suite bath with a separate tub and shower, a large walk-in closet, as well as a private sunroom. Access your deck from with the sunroom or living room that has a gas fireplace and vaulted ceilings giving this home an open expansive feel rarely found at this price point. The fully finished lower walkout level has an additional gas fireplace, bedroom, utility area with room for plenty of storage, and a screened-in porch which provides a peaceful place to relax and take in wildlife. You will have plenty of room for guests as the second level includes a loft, additional bedroom with a walk-in closet, and a full bathroom. Recent improvements include new carpeting in the living room, steps leading to the second story, as well as the entire second story, painting throughout, many new light fixtures, a new kitchen faucet, and two new storm doors. The roof was replaced in 2025, the siding was installed in 2010, and there is an existing security system that can be transferred to the new owner. Many opportunities for local parks, shopping, and dining. This home combines style, comfort, and convenience. Call for your private showing today!

1270 Birch Pond Trail, White Bear

Listing courtesy of Edina Realty, Inc..

$329,900

3 Beds ⋅ 3 Baths ⋅ 7133934 MLS

Welcome to this spacious 3-bedroom, 3-bath townhome in a prime location—close to shopping, dining, and directly across from North Oaks. The main level features soaring vaulted ceiling, a cozy gas fireplace, and an inviting sunroom that opens to a private deck. The kitchen includes newer appliances and ample storage. Upstairs, you’ll find two generously sized bedrooms, a full bath, and a versatile loft—perfect for a home office, reading nook, or play area. The lower level is complete with a projector theater setup for an at-home cinema experience.

4805 Iris Alcove, White Bear

Listing courtesy of RES Realty.

$307,500

4 Beds ⋅ 2 Baths ⋅ 7050078 MLS

Enjoy living near beautiful White Bear Lake! Granite countertop with undermount sink in a kitchen which opens onto the dining area - with an outside deck for summer meals. Hickory hardwood throughout the main level, with bright and bold bathroom. Lots of natural light throughout this home. The lower level features an adult bedroom suite with walk-in closet and private master bathroom with jacuzzi! Other features include Anderson windows, a fenced yard space for pets, and a concrete patio between the house and insulated garage - with extra-wide asphalt driveway. Across the street from Longville Park and blocks away from Garden Creek Park and White Bear Lake County Park!

5347 Portland Avenue, White Bear

Listing courtesy of HomeStart Realty.

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