Osseo Homes under $400,000

Welcome to Osseo, a charming city nestled in the heart of Minnesota! Known for its warm community spirit and vibrant local culture, Osseo offers an inviting atmosphere that makes it a wonderful place to call home. With its rich history, friendly neighbors, and convenient access to the greater Twin Cities metropolitan area, Osseo combines small-town charm with urban convenience.

The city boasts a variety of parks, local shops, and delightful dining options, making every day an opportunity for exploration and connection. Whether you're strolling through the picturesque streets or enjoying a sunny afternoon at one of the local parks, Osseo radiates a sense of belonging that is hard to find elsewhere.

For those seeking affordable housing options, Osseo is a treasure trove of homes priced under $400,000. This makes it an ideal destination for first-time homebuyers, growing families, and anyone looking to invest in a community that prioritizes quality of life. The real estate market here features a diverse selection of properties, from cozy single-family homes to modern townhouses, ensuring that there’s something for everyone.

Imagine settling into a charming home with a backyard perfect for summer barbecues or a spacious living room ideal for family gatherings. With the affordability and variety of homes available, Osseo is not just a place to live; it’s a place to thrive. Come discover the possibilities that await you in this delightful Minnesota city, and let Osseo be the backdrop for your next chapter!

Newest Osseo Homes under $400,000

$369,500

3 Beds ⋅ 3 Baths ⋅ 7160498 MLS

You can have the best of both worlds with the convivence of small town living on a quiet street and the luxury of lake living in this well cared for 3 bedroom, 2.5 bath waterfront home on Lake Martha. The home features a user friendly kitchen with dining area, formal dining room, large living room with fireplace, 3 large bedrooms with the master having a private bath, and a great 4 season porch for gazing out at the water. Step into the lower level and you will be impressed with the large lower level rec room with lookout windows and the large mechanical/storage room. All windows, Furnace, and Central Air were recently replaced.

13413 5th Street, Osseo

Listing courtesy of Prime Realty, LLC*.

$350,000

4 Beds ⋅ 1 Baths ⋅ 7158630 MLS

Same owner for over 60 years! A lifetime of memories. Your turn to make it home! This inviting four-bedroom home in the heart of Osseo blends timeless charm with stylish updates! Beautiful maple wood floors bring warmth and character, while the updated kitchen features soft-close cabinetry, black stainless steel appliances, granite countertops, and a glass-and-tile backsplash. From morning coffee to midnight snacks, this kitchen is ready to serve up something special! An updated bathroom adds everyday comfort, and the basement offers room for your finishing touches, including space for an additional bathroom. Dream up a movie room, hobby haven, or home gym while exploring the opportunity to build equity. Outside, a desirable corner lot features 360-degree landscaping with concrete curbing, beautiful shade trees, and a private, fenced backyard. Fire up the grill, gather on the patio, and extend the retractable awning when you’re ready for a little shade. A double gate provides convenient yard access for a boat, camper, or outdoor equipment. The oversized two-car garage offers generous storage, while the backyard shed keeps tools, toys, and garden gear neatly tucked away. And the location makes it even sweeter! Just a few blocks away, Boerboom Veterans Park brings the community together for Movie Nights and Music in the Park. Walkable downtown Osseo offers charming coffee shops, boutiques, a hometown grocery store, restaurants with sidewalk seating, bars, a bakery, an ice cream shop, and more. A coffee stroll, dinner out, or an ice cream run—where will you go first? A home with history, a backyard made for unwinding, and hometown favorites just a stroll away—this is Osseo living at its sweetest! Settle in, make it yours, and start creating the memories that will fill its next chapter. Welcome home!

233 5th Avenue NE, Osseo

Listing courtesy of Keller Williams Classic Realty.

$309,000

3 Beds ⋅ 2 Baths ⋅ 7159497 MLS

Warm, inviting, and filled with natural light, this beautifully maintained home offers the perfect blend of character, comfort, and convenience. The charming front porch is a great place to relax, while the private patio and cabana, complete with a built-in grill and surrounded by lush green space and mature landscaping, create an ideal setting for entertaining. The kitchen is both functional and stylish, featuring ample cabinet space, a modern backsplash, attractive countertops, and a center island with seating and prep space. A main-level ¾ bathroom with a walk-in tiled shower adds extra flexibility. Upstairs, you’ll find three bedrooms and a full bathroom, including a spacious primary suite with a large walk-in closet featuring built-ins and a window for natural light. The finished lower level expands your living space with a cozy family room anchored by a freestanding gas fireplace, mounted surround sound speakers, wet bar, and versatile bonus area perfect for home office, workout space, hobby room, or additional storage. Rough-in plumbing is already in place for a future bathroom. Located near shops, restaurants, parks, trails, and community events, with easy access to major roadways for commuting, this home offers a great combination of updates, functionality, and location. Recent improvements include fresh paint, multiple appliance updates, and a newer water heater.

615 1st Avenue NW, Osseo

Listing courtesy of Keller Williams Classic Rlty NW.

$59,792

2 Beds ⋅ 2 Baths ⋅ 7150301 MLS

Living at Realife Cooperative of Osseo, you will enjoy the small town living of Osseo while being close to Maple Grove, Champlin, and other cities. Osseo is a walkable town so you are able to walk to restaurants, shops, and even a grocery store. You’re able to walk off our property and enjoy the seasonal, weekly farmers market or enjoy the park right across the street. As a cooperative member, you can enjoy activities, participate in committees, and socialize in the many common rooms. Monthly member fees simplify life because they include: all operating expenses, water, sewer, trash, recycling, organic recycling, gas, internet, DirecTV, professional management, common area utilities, master insurance on building, master mortgage principal interest, and mortgage insurance and property tazes are all included in the $1,813.00 monthly member fess. Standard replacement, repair, and maintenance of appliances and fixtures is also included.

12 6th Street NE Unit 225, Osseo

Listing courtesy of Ebenezer Manage Services.

$297,900

4 Beds ⋅ 2 Baths ⋅ 7136150 MLS

Clean, ready to move in! New carpet and paint. Spacious main level family room with sliding glass door to deck. New driveway and garage slab.

424 4th Avenue NE, Osseo

Listing courtesy of Keller Williams Classic Realty.

$310,000

2 Beds ⋅ 3 Baths ⋅ 7121288 MLS

Welcome home to this beautifully designed custom modern home, perfectly situated in one of Osseo's most desirable neighborhoods! Enjoy an unbeatable location just steps from the golf course, Stoddard Park, the community swimming pool, Lake Martha, downtown Osseo, and scenic walking trails. Inside, you'll love the open-concept floor plan featuring custom cabinetry, a spacious kitchen, and a stunning tiled walk-in shower. The bright and airy loft overlooks the main living area, making it the perfect space for a home office, playroom, or cozy reading nook. Complete with an attached 2-car garage and thoughtful modern finishes throughout, this home offers the perfect blend of style, comfort, and convenience. ** Location. Style. Convenience. This one truly has it all!

50369 Ridgeway Street, Osseo

Listing courtesy of Property Executives Realty.

$225,000

3 Beds ⋅ 2 Baths ⋅ 7092528 MLS

Quick closing and possession available. In the city convenient living! Finished on all three levels. Two Full Baths, Walk-in Closet, Center Island Eat-in Kitchen, Private Rear Patio, Front porch, Ample storage.

612 1st Avenue NW, Osseo

Listing courtesy of Engel & Volkers Minneapolis.

Start Your Search

The data relating to real estate for sale on this web site comes in part from the Broker Reciprocity Program of the Regional Multiple Listing Service of Minnesota. Real estate listings held by brokerage firms other this firm are marked with the Broker Reciprocity logo. Information Deemed Reliable But Not Guaranteed. Property locations as displayed on any map are best approximations only and exact locations should be independently verified.

Listing data © 2026 Regional Multiple Listing Service of Minnesota. All rights reserved. By searching, you agree to the EULA.