Ham Lake Homes under $400,000

Welcome to Ham Lake, Minnesota—a hidden gem nestled in Anoka County, where serene suburban living meets the beauty of nature. Known for its picturesque landscapes and friendly community, Ham Lake offers residents a perfect blend of tranquility and convenience. With its expansive parks, sparkling lakes, and lush wooded areas, outdoor enthusiasts will find plenty of opportunities for hiking, fishing, and enjoying the great Minnesota outdoors.

Ham Lake is an ideal place for families, young professionals, and retirees alike, thanks to its top-notch schools, vibrant local businesses, and a strong sense of community. With easy access to major highways, commuting to nearby cities like Minneapolis and St. Paul is a breeze, making it a sought-after location for those who appreciate both suburban peace and urban accessibility.

For homebuyers looking for affordable options, Ham Lake boasts a variety of charming homes priced under $400,000. Whether you’re searching for a cozy starter home, a spacious family residence, or a peaceful retreat, the real estate market here offers something for everyone. Many of these homes feature modern amenities, generous yards, and proximity to parks and recreational facilities, making them perfect for those who value both comfort and community.

Discover the warmth and charm of Ham Lake, where you can find your dream home without breaking the bank. Explore the possibilities today and experience all that this delightful city has to offer!

Newest Ham Lake Homes under $400,000

$399,900

2 Beds ⋅ 1 Baths ⋅ 7112750 MLS

Welcome to this charming Ham Lake property offering a convenient location and 5 wooded acres of privacy and space! This 2-bedroom home features a main-level full bath and a main-floor flex room that is non-conforming due to the lack of a closet. Enjoy the warmth and character of hardwood flooring underneath the newer carpet in the living room and dining room. The unfinished basement provides excellent potential for additional living space, a recreation room, home office, or storage, ready for you to maximize and make your own. A standout feature is the impressive 3-car detached garage, built in 2021, measuring approximately 35x31. The fully finished garage includes in-floor heat, a floor drain, and plumbing in place for water, just connect it to the waterline. Recent 2026 improvements include a new septic system, paver driveway and patio, fresh landscaping, and a new refrigerator. With 5 wooded acres, there's plenty of room to enjoy the outdoors while remaining conveniently located near area amenities. A great opportunity to enjoy acreage, privacy, and valuable updates in Ham Lake!

4407 Crosstown Boulevard NE, Ham Lake

Listing courtesy of Keller Williams Classic Realty.

$90,000

2 Beds ⋅ 2 Baths ⋅ 7133912 MLS

Welcome to this fully remodeled mobile home in Ham Lake! This beautifully updated home features granite kitchen countertops, a spacious kitchen island, and a ceiling vent above the island. The living room and bedrooms offer elegant tray ceilings with LED lighting, while the updated bathrooms add modern style and convenience. Enjoy fresh paint throughout, newer windows, a newer roof, and beautiful new laminate flooring throughout the home. A brand-new shed located behind the home provides excellent storage for lawn equipment and more. The property also includes parking for up to two cars and is conveniently located near shopping, dining, parks, and major roadways. Schedule your showing today!

1017 Meadow Lane NE, Ham Lake

Listing courtesy of Home Sellers.

$349,900

4 Beds ⋅ 2 Baths ⋅ 7132586 MLS

Thoughtfully updated 4-bedroom, 2-bathroom Ham Lake home offering 1,804 finished square feet. The main level features a spacious living room with brick accents, built-ins, and a cozy fireplace. The refreshed kitchen includes granite countertops, newer appliances, freshly painted cabinetry, and updated hardware. Both bathrooms have been refinished with updated fixtures, flooring, and plumbing. The finished lower level offers two additional bedrooms and a comfortable family room with a freestanding gas fireplace. Outside, enjoy a private, fully fenced backyard with mature trees, established landscaping, gardens, a fire pit, and a spacious storage shed. Additional highlights include a roof replaced less than three years ago, durable aluminum siding, a freshly painted multi-level deck, oversized concrete patio, heated and insulated two-car garage, three-car-wide driveway, and no HOA.

3035 165th Lane NE, Ham Lake

Listing courtesy of RE/MAX Results.

$384,900

3 Beds ⋅ 2 Baths ⋅ 7119565 MLS

Nestled on a beautiful lot just one block from Coon Lake, this well-maintained walkout rambler offers the perfect combination of comfort, updates, and location. The main level features two bedrooms, a full bathroom, a spacious living room, an inviting kitchen with granite countertops, dining area, and a bright four-season porch overlooking the backyard. The finished walkout lower level includes a large family room with a bar, a third bedroom, a 3/4 bathroom, and direct access to the stamped concrete patio, making it an ideal space for entertaining or relaxing. Numerous updates provide peace of mind, including vinyl siding (2013), roof (2016), concrete driveway, sidewalk and stamped patio (2017), kitchen flooring, granite countertops and appliances (2018), furnace and central air (2020), all new windows (2022), Commers water softener system (2023), and new washer, dryer, and refrigerator (2026). Enjoy the benefits of a quiet setting just steps from Coon Lake with easy access to recreation, boating, and everything Ham Lake has to offer.

17452 Hiawatha Beach Drive NE, Ham Lake

Listing courtesy of RE/MAX Results.

$330,000

4 Beds ⋅ 2 Baths ⋅ 7030236 MLS

Room to Breathe in Ham Lake! Welcome to your chance to own a home on nearly an acre in beautiful Ham Lake! Nestled among mature trees this property offers the perfect blend of privacy, and potential. Enjoy the peace of country-style living while still being just minutes from everyday conveniences. The spacious lot provides endless possibilities — whether you dream of outdoor entertaining, planting your garden, or simply enjoying the extra space around you. The home offers a solid layout with great bones and plenty of opportunity to make it your own. With a little vision, this property can truly shine. If you’ve been searching for space, privacy, and the chance to create something special, this Ham Lake property is one you won’t want to miss.

1863 164th Lane NE, Ham Lake

Listing courtesy of RE/MAX Results.

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