White Bear Lake Homes under $400,000

Welcome to White Bear Lake, Minnesota – a vibrant community that perfectly blends small-town charm with modern conveniences. Nestled in Ramsey County, this picturesque city is renowned for its stunning lake views, abundant recreational activities, and a welcoming atmosphere that makes it a fantastic place to call home.

White Bear Lake boasts a rich history and a strong sense of community, making it an ideal location for families, professionals, and retirees alike. With its beautiful parks, scenic walking trails, and a variety of local shops and restaurants, residents enjoy a lifestyle that encourages both relaxation and adventure. The lake itself is a focal point of the community, offering opportunities for boating, fishing, and swimming during the warm summer months, while winter transforms it into a hub for ice fishing and skating.

For those looking to settle in this enchanting city, there are a variety of homes available under $400,000, making it an attractive option for first-time buyers and families seeking affordability without compromising on quality of life. From charming single-family homes to cozy townhouses, the real estate market in White Bear Lake provides diverse options to suit every taste and budget.

With its excellent schools, friendly neighborhoods, and a plethora of activities, White Bear Lake is not just a place to live; it’s a place to thrive. Discover your dream home in this delightful city and embrace the lifestyle that awaits you!

Newest White Bear Lake Homes under $400,000

$359,900

4 Beds ⋅ 2 Baths ⋅ 7155188 MLS

Welcome to Your End-of-the-Cul-de-Sac Haven in White Bear Lake! Tucked away at the quiet end of a peaceful cul-de-sac, this charming 4-bedroom, 2-bathroom split-level home delivers the perfect blend of cozy, practical, and fun. Step inside to find a layout designed for effortless living and entertaining. Upstairs and down, you have plenty of room to spread out, work from home, or host weekend game nights. Highlights You’ll Love: Peace of Mind: Brand-new mechanicals mean zero stress about big-ticket updates—just move right in and start living! Outdoor Paradise: Head out back to your gorgeous, maintenance-free deck. It’s the ultimate setup for summer BBQs, morning coffee, or sipping a cold drink without ever touching a paintbrush or stain roller again. Prime Location: You’re just minutes from White Bear Lake’s vibrant downtown charm, boutique shopping, local eateries, scenic parks, and sprawling trail systems. Commuter's Dream: Enjoy quick and easy access to I-35, making your morning drive a total breeze. Whether you're looking for room to grow or the ideal spot to entertain friends, this gem at the end of the street is ready for its next chapter. Schedule your tour today before someone else claims the key!

5466 Otter View Court, White Bear Lake

Listing courtesy of Bridge Realty, LLC.

$375,000

5 Beds ⋅ 2 Baths ⋅ 7152424 MLS

Welcome home! This spacious 5-bedroom, 2-bath rambler home offers plenty of room to enjoy and relax. The main level features 3 bedrooms and beautiful hardwood floors, creating a warm and inviting feel throughout, while the lower level has 2 large bedrooms with egress windows and a family room too. Updated windows add comfort and peace of mind, while the fully fenced backyard is perfect for relaxing, gatherings, pets, or outdoor play. A 2-car detached garage provides convenient parking and extra storage. With generous living space, great functionality, and plenty of potential, this home is ready to welcome its next owners!

4070 Jay Lane, White Bear Lake

Listing courtesy of Edina Realty, Inc..

$323,000

3 Beds ⋅ 2 Baths ⋅ 7151735 MLS

INVESTORS ONLY. 3-level split home on a 3/4 of an acre lot in White Bear Lake! This home features 3 bedrooms on the upper level along with a full bath. The main level consists of the kitchen, living, and dining areas, while the basement offers a large family room, laundry room, half-bath, and a separate entrance. Outside, you're greeted by a wonderful screen porch in your spacious, private, fully fenced backyard - where deer, ducks, and turkey have been spotted. The garage offers not only ample storage space with 2 sheds connected, but also a 2nd floor studio for your workshop, entertainment area, creative space, or even more storage. This home is in close proximity to historic downtown White Bear Lake and all that it has to offer!

1735 Birch Lake Avenue, White Bear Lake

Listing courtesy of RE/MAX Results.

$374,900

3 Beds ⋅ 1 Baths ⋅ 7136493 MLS

This home checks so many boxes for so many buyers. Whether you're a first-time homebuyer or looking to downsize, you'll find charm, quality, and the ability to gain value and space right away. This well-built 3-bedroom, 1-bathroom rambler offers close to 1,000 square feet on the main level, plus an additional approx. 700 square feet ready to finish to your liking. Use it right away as-is, or treat it as a blank slate to gain a ton of space. Step inside and you'll see the care that's gone into every detail. The entire home has been professionally painted, from the ceilings down to the lower-level floors and walls. The hardwood floors have been refinished, and the light fixtures have been updated throughout. The main-level bathroom has been refreshed with new lighting, a framed mirror, a new shower head and handle, and a refinished tub. Outside, the nearly ¼-acre lot offers a flat backyard with mature trees and a large, low-rise deck. The oversized 2-car garage offers just over 500 square feet of space, complemented by an extra-wide driveway with plenty of room for parking. Every inch is move-in ready. The home has been professionally cleaned from top to bottom, and the exterior, deck, windows, and garage have all been professionally washed. The gutters have been cleaned, the landscaping refreshed, and the exterior winterized, so you can settle in worry-free before the snow flies. For added peace of mind, it comes with a 1-year home warranty and professional rekeying at closing. Plus, the seller is offering a $5,000 incentive toward your closing costs, which you can use to buy down your interest rate or simply make the home your own. All of this sits in a great school district and neighborhood, close to restaurants and shops, and to the charm, memories, and community that make this area so special. Lovingly cared for by its second owners for 56 years, this well-kept, thoughtfully updated rambler is ready for its next chapter and won't last long. Come experience White Bear Lake living at its finest!

2688 Cedar Avenue, White Bear Lake

Listing courtesy of Coldwell Banker Realty.

$365,000

3 Beds ⋅ 2 Baths ⋅ 7150505 MLS

Beautifully renovated 3-bedroom, 2-bath home in a great White Bear Lake location! The bright and refreshed main level features a brand-new kitchen complete with all-new stainless steel appliances, new flooring and carpet, updated lighting and hardware, fresh paint, and a beautifully updated full bathroom. The newly finished lower level adds fantastic living space with a large family room, additional bathroom, and a versatile office that could also serve as a non-conforming 4th bedroom, workout room, or flex space. A spacious laundry and storage area provides plenty of additional room for everyday needs. Outside, enjoy a great yard with privacy fencing, a large deck perfect for relaxing or entertaining, and a charming front porch. The garage features doors on both the front and rear, providing convenient access directly to the backyard. Conveniently located near White Bear Lake area schools, parks, shopping, and everyday amenities.

2280 Randy Avenue, White Bear Lake

Listing courtesy of RE/MAX Results.

4254 Oakmede Lane Unit 87B, White Bear Lake

$324,900

4 Beds ⋅ 3 Baths ⋅ 7150297 MLS

Welcome Home to Classy & Care Free & Living! This very rare opportunity in the White Bear Preserves overlooking Rice Lake Nature Preserve! This large 4 Bedroom, 3 Bath Walk out Rambler style home is beautifully renovated through out! Main Floor features a Primary suite with Custom Closet Built-Ins and private bath, a second bedroom with Full bath. A spacious Living Room leads you to covered deck/porch area with fabulous views! The Kitchen features new Stainless steel appliances plenty of cabinetry and two unique Built in Credenzas both Formal and Informal Dining spaces. The Kitchen AND Living room walk out to a covered porch/deck. The Lower Level features two bedrooms and bathroom. Also a Wet Bar perfect for entertaining, a SAUNA, and walks out to a large patio and huge yard to Just Play ~No Mow, So don't forget to pack your lawn games! There is also ALL New Neutral Paint Carpeting, Some Ceilings, Ceiling Fans, light fixtures, Kitchen appliances & Dryer, Pella Windows and Patio Doors, 6 Panel Solid wood doors. Cancel the Public Storage Bill as you have your own Bonus Storage room and also shelving in the garage! Mechanicals have all just been serviced! The Roof is just 6 years young, and has Vinyl siding, and very low Association Dues! Please Notice the wonderful off street Guest parking right across the street, the friendly community library hunch and is just a short walk to Apple Tree Park which features a picnic area, Fun play structures for children and Even a fitness station for adults! This Rare & Wonderful Lovely home has been meticulously updated and cared for so you can simply move in Relax & Enjoy The View of Sunrises, the lake, Wildlife visitors, and Resident Trumpeter Swans! Quiet neighborhood yet conveniently close to White Bear Lake, Shopping, Schools, and highway system for easy commutes! Please Note Photos are Virtually Staged to give you inspiration!

4254 Oakmede Lane Unit 87B, White Bear Lake

Listing courtesy of RE/MAX Results.

$329,950

3 Beds ⋅ 1 Baths ⋅ 7150305 MLS

Bring your Cars, Toys, Hobbies & Dreams! This is a Rare Opportunity to own an extensively updated home on a large private lot with Heated 4 car plus garage! This Bungalow is loaded with Character! The Kitchen is recently renovated with all new cabinets, flooring, counters and Stainless Steel appliances with a Gas Stove. The Bathroom features beautiful Tile work. All new carpet through out with Hardwood Floors under the carpet in Livingroom, and Main floor bedrooms if you prefer. The Spacious laundry room has newer high end washer/dryer, Lennox Furnace with Aprilaire Humidifier and pull out drying rack. Vinyl Siding, Newer Vinyl windows and Lennox Air Conditioner for Comfortable low maintenance efficient living. The Character filled upper level Bedroom is a great Flex space which could be a Primary Bedroom, Home Office or Playroom too! The Lower Level Family room would make a great theater room! The large almost completely fenced yard features a Paver Patio surrounded by beautiful gardens, a Gazebo with Fire Circle & a bonus Horseshoe Court, making it a wonderful Oasis for people and pets to play! Just completed professionally painted neutral paint and carpet, means no work here, just move in and Enjoy!

2145 County Road E E, White Bear Lake

Listing courtesy of RE/MAX Results.

$285,000

2 Beds ⋅ 2 Baths ⋅ 7149850 MLS

Beautifully cared-for two-bedroom townhome in a peaceful White Bear Lake neighborhood, close to parks and charming downtown. South-facing oversized windows, vaulted ceilings, abundant natural light, and a gas fireplace create a warm, inviting main level. Nearly $10K in Hunter Douglas motorized blinds adds comfort and convenience. Enjoy a well-appointed kitchen with stainless steel appliances, generous counter space, and a dining room made for conversation. Sliding doors lead to a tranquil pond-side patio beneath a mature tree—serene by day and magical by night. Upstairs features a versatile loft, spacious second bedroom, and a wonderful primary suite with a huge walk-in closet and spa-like bath with double sinks, separate tub, and shower. Light-filled, peaceful, and thoughtfully designed—an inviting place to call home in White Bear Lake.

1757 Elm Street, White Bear Lake

Listing courtesy of RE/MAX Results.

$345,000

2 Beds ⋅ 2 Baths ⋅ 7149855 MLS

Welcome home to pure comfort and quiet peace in this beautifully transformed, end-unit home where everything you need is right on one level. Thoughtfully remodeled from top to bottom with care and class—not a single surface was left untouched! From the moment you step inside, you’re greeted by fresh new flooring throughout, soaring clean ceilings (no popcorn here!), and magnificent new solid core doors, including grand French doors leading into the spacious bedrooms. The kitchen is an absolute dream, featuring brand-new custom cabinetry, rich granite countertops, and seamless flow into a bright living space. You’ll find that same luxurious granite carried through both beautifully updated bathrooms and the dedicated main-floor laundry room. The primary suite is a true retreat, boasting an incredible walk-in closet that will take your breath away. Best of all, you'll have complete peace of mind knowing that the HVAC and appliances are just two years young! Outside, step onto your lovely private patio to sip your morning tea, feed the birds, and soak in the peaceful surroundings. A two-car insulated garage, featuring handy pull-down ladder access to extra attic storage, completes this beautiful home, offering effortless living at its finest. Just unpack, settle in, and make yourself right at home!

2530 Sumac Ridge, White Bear Lake

Listing courtesy of Emerald Real Estate.

3150 Glen Oaks Avenue Unit 311A, White Bear Lake

$324,900

2 Beds ⋅ 2 Baths ⋅ 7149740 MLS

Elevated above the rest, this top-floor condo stands apart with its expansive floor plan, abundance of windows and exceptional natural light. As one of the largest units in the building, soaring vaulted ceilings and additional windows create a bright, open atmosphere, while the beautifully updated interior and newer appliances make it truly move-in ready. The spacious kitchen and adjoining living areas offer abundant cabinetry, flexible seating and plenty of room to gather and entertain, while two vaulted bedrooms and two full bathrooms including a private primary suite with walk-in shower and separate tub create a versatile layout for year round living, summer place to hang your hat, or hosting extended guest stays. Enjoy fresh air from the private screened porch, relax by the outdoor pool, and appreciate the everyday convenience of in-unit laundry and two heated underground parking spaces with additional storage cabinets; a rare combination that further sets this condo apart. Ideally located near golf, shopping and freeway access, this exceptional top-floor unit offers the space and comfort of a house with the ease of condo living.

3150 Glen Oaks Avenue Unit 311A, White Bear Lake

Listing courtesy of Edina Realty, Inc..

$355,000

2 Beds ⋅ 2 Baths ⋅ 7139626 MLS

Welcome home to easy living in this beautifully maintained detached townhome in a convenient White Bear Lake location! As you enter the spacious foyer notice the hardwood flooring and the convenient hall closet. Designed with both comfort and entertaining in mind, the open upper-level layout allows the dining and living rooms to flow seamlessly together. The inviting living room features a cozy fireplace, creating the perfect spot to relax. The sun porch is a wonderful year-round retreat and opens to an 8x10 deck-an ideal spot for morning coffee or enjoying the outdoors. The kitchen offers an eat-in area, pantry, storage/broom closet, stainless steel appliances, solid surface countertops, all providing both functionality and style. The spacious primary bedroom features a walk-in closet and is conveniently located near a full bath with a jetted tub. The lower level offers even more living space with a large family room, spacious bedroom with a large closet and another full bath. Perfect for guests, family, or a private retreat. The laundry room provides plenty of storage along with high-end washer and dryer and dedicated workspace, making laundry day a little easier. The oversized attached 2-car garage offers loft storage, water spigot, and a sprayed concrete epoxy floor for easy cleanup and added convenience. Enjoy the benefits of detached townhome living with plenty of space, storage and privacy, all just minutes from major roadways, schools, shopping and restaurants. Located in charming White Bear Lake, this well maintained home offers comfort, convenience, and truly easy living.

3848 Linden Avenue, White Bear Lake

Listing courtesy of Coldwell Banker Realty.

$375,000

3 Beds ⋅ 2 Baths ⋅ 7143234 MLS

Cute one level home within walking distance of Downtown White Bear Lake! Three bedrooms with big closets. Large living room up and family room down both have gas fireplaces. Porch/breezeway is a great spot to hang out. Carport for covered parking year round, concrete driveway. Fully fenced lot. Backyard has a big patio and two sheds. Forced air and AC were just serviced. Drain tiled and sump pump. Newer windows.

4725 Krech Avenue, White Bear Lake

Listing courtesy of Coldwell Banker Realty - Southwest Regional.

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