White Bear Homes under $400,000

Welcome to White Bear Lake, Minnesota—a charming city nestled in Ramsey County, where natural beauty meets vibrant community living. Known for its stunning lakeside views, White Bear Lake offers a delightful blend of outdoor recreation, rich history, and a close-knit community feel. With easy access to both the tranquility of nature and the conveniences of urban life, it’s no wonder families and professionals alike are drawn to this picturesque locale.

One of the most appealing aspects of White Bear Lake is its diverse real estate market, particularly for those seeking homes under $400,000. Whether you’re a first-time homebuyer, looking to downsize, or searching for a cozy retreat, this area has a variety of options to suit your needs. From charming bungalows and well-maintained townhomes to spacious single-family houses, you'll find properties that combine comfort and affordability without sacrificing style.

Imagine living just moments away from the beautiful White Bear Lake, where you can enjoy kayaking in the summer or ice fishing in the winter. The city is also home to excellent schools, a thriving local economy, and an array of shops and restaurants that cater to every taste. With its strong sense of community and numerous parks, White Bear Lake is not just a place to live—it's a place to thrive.

Explore the possibilities of making White Bear Lake your home today. With homes available under $400,000, your dream of lakeside living is within reach!

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.

$330,000

3 Beds ⋅ 2 Baths ⋅ 7100428 MLS

NEW PRICE — $330,000! Bring Your Ideas & Make It Your Own! (AI generated pictures are included to expand your vision) Opportunity awaits at 2110 Stillwater Street in White Bear Township! Situated on a spacious .334-acre lot just blocks from Bald Eagle Lake, this 3-bedroom, 2-bath home offers nearly 2,000 finished square feet, a large fenced backyard and plenty of potential. This home still needs some work and updating, but several of the big-ticket improvements are already done. Bring your ideas, roll up your sleeves and make it your own! The flexible floor plan includes a finished lower level with additional living space and plenty of possibilities. Recent improvements include a NEW 2026 roof on both the home and garage, NEW central air, furnace approximately 5 years old, new lower-level carpet, freshly stained deck, professionally cleaned air ducts and vents, and a new furnace filter. Outside, the large fenced backyard is a standout, offering room to entertain, garden, play or create your own outdoor oasis. Enjoy the patio, deck, hot tub and plenty of space to make it yours. The kitchen currently features green cabinetry, and AI-generated photos are included to help buyers envision how a simple color change could transform the space. The LOT is the GOLD here! If you're looking for a home where you can build equity, add your own style and create something special, this could be the opportunity. Conveniently located near Bald Eagle Lake, parks, trails, shopping, dining and more.

2110 Stillwater Street, White Bear

Listing courtesy of Keller Williams Premier 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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