Ramsey Homes under $400,000

Welcome to Ramsey, Minnesota—a charming city nestled in Anoka County that perfectly blends suburban tranquility with vibrant community life. With its picturesque parks, excellent schools, and a variety of recreational activities, Ramsey is an ideal place for families, young professionals, and anyone seeking a peaceful yet connected lifestyle.

One of the standout features of Ramsey is its commitment to preserving green spaces. With over 1,000 acres of parks and trails, residents can enjoy outdoor activities year-round, from hiking and biking in the summer to snowshoeing and cross-country skiing in the winter. The city also hosts numerous community events, fostering a strong sense of belonging among its residents.

When it comes to housing, Ramsey offers an attractive array of options, particularly for those seeking homes under $400,000. This price point opens the door to a variety of charming single-family homes, townhouses, and even some newer constructions, making it an excellent choice for first-time buyers or those looking to downsize. Many of these homes are situated in friendly neighborhoods, close to schools, shopping, and dining, ensuring that convenience is never far from home.

With its affordable housing market, beautiful natural surroundings, and a strong sense of community, Ramsey, MN, is more than just a place to live—it's a place to thrive. Whether you’re searching for your first home or looking to settle into a welcoming community, Ramsey is ready to welcome you with open arms. Come explore the possibilities and discover your dream home in this delightful city!

Newest Ramsey Homes under $400,000

$219,900

2 Beds ⋅ 2 Baths ⋅ 7133469 MLS

Priced to sell quickly! Welcome to this end-unit Ramsey townhouse nestled in a private setting with mature trees. One of the best spots in the neighborhood! The main floor features a spacious living room with space for an additional dining area, a convenient 1/2 bathroom, and a kitchen with an eat-in dining space and a sliding glass door leading to your private patio. Notable features include a high-efficiency furnace, a newer power-vented water heater (installed 12/24), 100 AMP electrical, and an attached 2-car garage with a new garage door opener. The upper level includes 2 bedrooms, an upper-level laundry room, and a versatile loft space perfect for a home office, game room or exercise room. The primary suite offers vaulted ceilings, a ceiling fan, a large walk-in closet, a linen closet, and a walk-through full bathroom. Enjoy easy access to Highway 10, the Light Rail Train Station, downtown Anoka, local parks, trails, shopping, restaurants, and schools. What are you waiting for! Schedule your showing today!

6986 139th Avenue NW, Ramsey

Listing courtesy of RE/MAX Results.

$349,900

3 Beds ⋅ 2 Baths ⋅ 7153365 MLS

This home is located in a quiet Ramsey neighborhood on a .85 acre flat treed lot. This 3 BR, 2 Bath home offers space, privacy, and everyday convenience. Enjoy easy access to Ramsey's parks, trails, nearby shopping, dining, and schools. Inside, there is a large living room, an informal dining room that is off the kitchen. The kitchen has stainless steel appliances and wood cabinetry. Comfortable bedrooms on the same floor and a full bathroom. Lower level has a large family room, 3/4 Bath, and an additional finished room, plus there is more room that can be finished. There is a 2 stall attached garage. With nearly an acre of land, fenced partial rear yard, and it's location that puts you close to it all. This Ramsey home is one you want to see.

15210 Jackal Street NW, Ramsey

Listing courtesy of RE/MAX Results.

$180,000

3 Beds ⋅ 2 Baths ⋅ 7153123 MLS

Investor opportunity! Beautiful wooded lot. Great location in Ramsey. Elk River ISD# 728. Cash only. As-is Addendum required. Showings begin on Tuesday, Oct 6th.

7711 172nd Lane NW, Ramsey

Listing courtesy of Edina Realty, Inc..

$275,000

2 Beds ⋅ 2 Baths ⋅ 7140805 MLS

Searching for true one-level living? You found it here at Orchard Hill! This 2 bedroom, 2 bathroom, & 2 car garage townhome offers location & brand new carpet for an affordable price. The home is bright & offers a great open floor plan. The large kitchen features newer SS appliances, ample storage & prep space, plus roll-out shelving in pantry cabinet. Vaulted-ceiling living room boasts a cozy gas fireplace for ultimate relaxation. Spacious primary bedroom features full ensuite bathroom & walk-in closet. Guest bedroom is ideal for office or craft room. Laundry closet & 3/4 guest bath off the kitchen for added convenience. Enjoy the private backyard nature views from the sunroom & patio. Home runs on in-floor hot water radiant heating with newer boiler, plus 2 new mini-split systems for A/C & supplemental heating in the living room & primary suite. Just imagine the toasty warm bathroom tile on a cold winter day! Oversized garage offers plenty of storage space. Up to 1 dog, 2 cats, & rentals OK. This home is move-in ready, but still a chance to build equity!

15266 Cobalt Street NW, Ramsey

Listing courtesy of RE/MAX Results.

$329,900

3 Beds ⋅ 3 Baths ⋅ 7153041 MLS

Ready for move-in in Ramsey’s Parkside Village, this home offers peaceful backyard views overlooking roughly 7 acres of North Commons Parkland. The main level features an inviting kitchen with a center island and window overlooking the backyard, along with comfortable living spaces and access to a maintenance-free deck. Upstairs, the spacious primary bedroom includes a private bath with a soaking tub, separate ceramic tile shower and double-sink vanity. Two additional bedrooms, a full bath, hall linen closet and convenient upper-level laundry complete the upper level. The unfinished lower level provides opportunity for future expansion with space for a family room, fourth bedroom and bath. Just blocks from The COR in Ramsey, with an amphitheater, dining, The Waterfront, a splash pad spanning more than 12,000 square feet, ballfields, walking paths, Metro Transit station and more nearby.

14854 Willemite Way NW, Ramsey

Listing courtesy of Redfin Corporation.

$334,900

3 Beds ⋅ 3 Baths ⋅ 7152342 MLS

**Home is under construction** Enjoy walkable living near The Draw Park & Amphitheater, North Commons Park, trails, dining, shopping, and the Metro Transit station at The COR—making commuting and weekend plans easy. Located in Waterfront Village, this pet-friendly community offers miles of trails right outside your door plus association-covered lawn care and snow removal for low-maintenance living. The "Elmcrest" floor plan features 3 bedrooms, 3 bathrooms, and bright open-concept living with 9-foot ceilings and luxury vinyl plank flooring. The kitchen includes an oversized quartz island, white cabinetry, and stainless steel appliances. The private owner’s suite offers a walk-in closet and ensuite bath, with additional bedrooms ideal for work, guests, or hobbies. ****LIMITED-TIME BUYER INCENTIVE! Receive a 3% Builder Incentive PLUS an additional 1% Lender Credit—for up to 4% in total incentives! Available on homes with a signed purchase agreement by September 30, 2026 and closing by October 31, 2026. Preferred lender and title company required.****

7800 Bunker Lake Boulevard NW, Ramsey

Listing courtesy of NextHome West Metro.

$332,900

3 Beds ⋅ 3 Baths ⋅ 7152335 MLS

****LIMITED-TIME BUYER INCENTIVE! Receive a 3% Builder Incentive PLUS an additional 1% Lender Credit—for up to 4% in total incentives! Available on homes with a signed purchase agreement by September 30, 2026 and closing by October 31, 2026. Preferred lender and title company required.**** **Home is under construction** Enjoy walkable living near The Draw Park & Amphitheater, North Commons Park, trails, dining, shopping, and the Metro Transit station at The COR—making commuting and weekend plans easy. Located in Waterfront Village, this pet-friendly community offers miles of trails right outside your door plus association-covered lawn care and snow removal for low-maintenance living. The "Elmcrest" floor plan features 3 bedrooms, 3 bathrooms, and bright open-concept living with 9-foot ceilings and luxury vinyl plank flooring. The kitchen includes an oversized quartz island, white cabinetry, and stainless steel appliances. The private owner’s suite offers a walk-in closet and ensuite bath, with additional bedrooms ideal for work, guests, or hobbies. ***Ask about Flex Cash Promotion + 1% of the purchase price as a lender credit with preferred lender & title company.

7788 Bunker Lake Boulevard NW, Ramsey

Listing courtesy of NextHome West Metro.

$334,900

3 Beds ⋅ 3 Baths ⋅ 7152334 MLS

****LIMITED-TIME BUYER INCENTIVE! Receive a 3% Builder Incentive PLUS an additional 1% Lender Credit—for up to 4% in total incentives! Available on homes with a signed purchase agreement by September 30, 2026 and closing by October 31, 2026. Preferred lender and title company required.**** Live steps from it all—concerts at The Draw Park & Amphitheater, cooling off at the Waterfront Park Splash Pad, miles of trails outside your front door, local dining, shopping, and the Metro Transit station at The COR for an easy commute. Waterfront Village offers a pet-friendly, walkable lifestyle with association-covered lawn care, snow removal and sanitation, so your weekends are for enjoying—not yard work. The "Elmcrest" features 3 bedrooms, 3 bathrooms, and bright open-concept living with 9-foot ceilings and luxury vinyl plank flooring. The kitchen includes an oversized quartz island, white cabinetry, and stainless steel appliances. Upstairs you'll find all three bedrooms, including a private owner’s suite offering a large walk-in closet and private bath. Having the laundry upstairs mean no more climbing stairs with laundry baskets! ***Ask about Flex Cash Promotion + 1% of the purchase price as a lender credit with preferred lender & title company. Stop by for a self-tour today.

14712 Bison Terrace NW, Ramsey

Listing courtesy of NextHome West Metro.

$364,900

4 Beds ⋅ 3 Baths ⋅ 7152330 MLS

****LIMITED-TIME BUYER INCENTIVE! Receive a 3% Builder Incentive PLUS an additional 1% Lender Credit—for up to 4% in total incentives! Available on homes with a signed purchase agreement by September 30, 2026 and closing by October 31, 2026. Preferred lender and title company required.**** Live steps from it all—concerts at The Draw Park & Amphitheater, miles of trails outside your front door, local dining, shopping, and the Metro Transit station at The COR for an easy commute. Waterfront Village offers a pet-friendly, walkable lifestyle with association-covered lawn care, snow removal and sanitation, so your weekends are for enjoying—not yard work. The Terrace floor plan features 4 bedrooms and 3 bathrooms with open-concept living, 9-foot ceilings, and luxury vinyl plank flooring. The kitchen includes an oversized quartz island, white cabinetry, and stainless steel appliances—ideal for gathering. The private owner’s suite offers a walk-in closet and ensuite bath, with additional bedrooms flexible for guests, work, or hobbies. Self-tours available in this development—scan the QR code on the signs.

14746 Alpaca Terrace NW, Ramsey

Listing courtesy of NextHome West Metro.

$359,900

4 Beds ⋅ 3 Baths ⋅ 7152327 MLS

****LIMITED-TIME BUYER INCENTIVE! Receive a 3% Builder Incentive PLUS an additional 1% Lender Credit—for up to 4% in total incentives! Available on homes with a signed purchase agreement by September 30, 2026 and closing by October 31, 2026. Preferred lender and title company required.**** *Home is under construction* Live steps from it all—concerts at The Draw Park & Amphitheater, time at North Commons Park, miles of trails outside your front door, local dining, shopping, and the Metro Transit station at The COR for an easy commute. Waterfront Village offers a pet-friendly, walkable lifestyle with association-covered lawn care, snow removal and sanitation, so your weekends are for enjoying—not yard work. The Terrace floor plan features 4 bedrooms and 3 bathrooms with open-concept living, 9-foot ceilings, and luxury vinyl plank flooring. The kitchen includes an oversized quartz island, white cabinetry, and stainless steel appliances—ideal for gathering. The private owner’s suite offers a walk-in closet and ensuite bath, with additional bedrooms flexible for guests, work, or hobbies. Self-tours available in this development—scan the QR code on the signs.

7806 Bunker Lake Boulevard NW, Ramsey

Listing courtesy of NextHome West Metro.

$334,900

3 Beds ⋅ 3 Baths ⋅ 7152325 MLS

**LIMITED-TIME BUYER INCENTIVE!** Receive a **3% Builder Incentive PLUS an additional 1% Lender Credit**—for up to **4% in total incentives!** Available on homes with a **signed purchase agreement by September 30, 2026** and closing by **October 31, 2026**. Preferred lender and title company required. Contact us for details! ***Home is under construction - be sure to view the virtual 3D tour*** Live where you and your pets feel at home. The Waterfront Village offers miles of trails literally outside your front door—perfect for daily walks and an active lifestyle. Steps to The Draw Park and Amphitheater, North Commons Park, and the vibrant COR in Ramsey, you’re surrounded by parks, dining, shopping, and transit. The Alpine floor plan features 3 bedrooms, 3 baths, and open-concept living with a stunning kitchen, oversized quartz island, white cabinetry, and stainless steel appliances. The private owner’s suite includes a walk-in closet and en suite bath. Enjoy true low-maintenance living with association lawn care, snow removal, and sanitation. Sod, irrigation, and landscaping included. Getting started is easy: 1. Pick the home you love 2. Contact our preferred lender to get set up 3. Close, move in, and enjoy the lifestyle

7794 Bunker Lake Boulevard NW, Ramsey

Listing courtesy of NextHome West Metro.

$329,900

3 Beds ⋅ 3 Baths ⋅ 7152323 MLS

****LIMITED-TIME BUYER INCENTIVE! Receive a 2% Builder Incentive PLUS an additional 1% Lender Credit—for up to 4% in total incentives! Available on homes with a signed purchase agreement by September 30, 2026 and closing by October 31, 2026. Preferred lender and title company required.**** ***Home is under construction - be sure to view the virtual 3D tour*** Live where you and your pets feel at home. The Waterfront Village offers miles of trails literally outside your front door—perfect for daily walks and an active lifestyle. Steps to The Draw Park and Amphitheater, North Commons Park, and the vibrant COR in Ramsey, you’re surrounded by parks, dining, shopping, and transit. The Alpine floor plan features 3 bedrooms, 3 baths, and open-concept living with a stunning kitchen, oversized quartz island, white cabinetry, and stainless steel appliances. The private owner’s suite includes a walk-in closet and en suite bath. Enjoy true low-maintenance living with association lawn care, snow removal, and sanitation. Sod, irrigation, and landscaping included. Getting started is easy: 1. Pick the home you love 2. Contact our preferred lender to get set up 3. Close, move in, and enjoy the lifestyle ***Ask about our Flex Cash + 1% with preferred lender promotions. Photos/renderings may vary; measurements approximate.

14734 Alpaca Terrace NW, Ramsey

Listing courtesy of NextHome West Metro.

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