Clearwater Homes under $350,000

Welcome to Clearwater, Minnesota—where small-town charm meets natural beauty! Nestled along the banks of the serene Clearwater River, this picturesque city offers a perfect blend of tranquility and community spirit. Clearwater is not only known for its stunning landscapes, but it also boasts a rich history and a welcoming atmosphere that makes it a wonderful place to call home.

For those seeking an affordable entry into the housing market, Clearwater presents an impressive selection of homes under $350,000. Whether you’re a first-time buyer, a growing family, or looking to downsize, you’ll find various options that cater to your needs. From cozy single-family homes with spacious yards to charming townhouses, Clearwater has something for everyone.

Imagine waking up to the gentle sounds of nature, with parks and recreational areas just a stone's throw away. Clearwater is surrounded by beautiful lakes, offering ample opportunities for fishing, boating, and hiking. The city's commitment to preserving its natural beauty makes it an ideal location for outdoor enthusiasts and families alike.

In addition to its natural attractions, Clearwater is conveniently located near major highways, providing easy access to nearby cities like St. Cloud and Minneapolis. This means you can enjoy the peace of small-town living while still being close to urban amenities, shopping, and dining options.

Discover the charm of Clearwater, MN, where your dream home awaits at an affordable price. Embrace the lifestyle you’ve always wanted in this vibrant community!

Newest Clearwater Homes under $350,000

$289,900

ACTIVE Status ⋅ 3 Beds ⋅ 2 Baths ⋅ 7146373 MLS ⋅ 1,779 SqFt.

Welcome home to this 3-bedroom, 2-bath home in Clearwater, offering a comfortable layout with many updates already in place. New carpet throughout the upper level and fresh interior paint add to the move-in-ready appeal. The upper level brings together the living room, kitchen and dining area, along with two bedrooms and a full bath. The walkout lower level offers a large family room, third bedroom, full bath and laundry area, providing plenty of additional living space. Recent mechanical improvements include a newer water heater, furnace servicing, and updates to the central air system. The 2-car attached garage is insulated, heated and finished, and the 10' x 10' backyard shed provides additional storage. Located near the Mississippi River, parks, dining and shopping, plus easy access to I-94 for commuting to St. Cloud or the Twin Cities. Come take a look and see all this Clearwater home has to offer!

710 Main Street, Clearwater

Listing courtesy of RE/MAX Advantage Plus.

$285,000

ACTIVE Status ⋅ 1 Beds ⋅ 1 Baths ⋅ 7144330 MLS ⋅ 576 SqFt.

TOO QUIET FOR YOU HERE? Tucked off the beaten path sits this quaint little summer cabin on a private idyllic setting only 10 minutes off I94 in Clearwater. Spend summers on Fish Lake at your get away from the hustle & bustle of city life. Enjoy daytime on the water then grill your favorite meal on the deck and wrap up with s’mores by the fire. The cabin has nice appliances and granite countertops. A knotty-pine interior gives you the up-north feeling and the patio door gives you sunlight and views of the lake. A nice sized bedroom will allow for more than bunk-beds but there is room for a pullout couch or futon. Newer flooring & a 10x12 shed for storage with electric and security. Lovely landscaping with perennials galore bring in the birds and butterflies. Roof is newer, siding and windows are good, Daikin mini split for heat and cooling & the cabin has a security system. A grinder-pump septic is on the property but there is no well so the seller is including two lots where a well is possible. Plenty of summer and fall to enjoy yet in 2026 so GET THERE FAST THEN TAKE IT SLOW.

15780 Griffith Avenue NW, Clearwater

Listing courtesy of Patriots Choice Realty.

$320,000

ACTIVE Status ⋅ 2 Beds ⋅ 2 Baths ⋅ 7141823 MLS ⋅ 1,437 SqFt.

Looking for more space without giving up a convenient location? This charming 1.5-story home sits on an almost half-acre lot and offers a rare combination of outdoor space, future potential, and a large detached 3-stall garage. Whether you need room for vehicles, recreational equipment, or additional storage, this garage delivers the flexibility that is hard to find. Inside, the home features 2 bedrooms, 2 bathrooms, beautiful hardwood floors, and low-maintenance vinyl windows. Step outside onto the expansive deck, offering plenty of room to grill, entertain, or simply relax and enjoy the outdoors. The home was moved onto the property, at which time the electrical and plumbing systems throughout the home were updated. The unfinished lower level already includes egress windows and provides excellent storage along with exciting possibilities for additional finished living space. Conveniently located in Clearwater with quick access to I-94 and Highway 24, the property offers an easy connection to St. Cloud, Monticello, and surrounding communities. With nearly half an acre, a huge deck, large 3-stall garage, and room to add value, this property is packed with potential and ready for its next owner!

435 Bluff Street, Clearwater

Listing courtesy of SODL.

$350,000

ACTIVE Status ⋅ 5 Beds ⋅ 3 Baths ⋅ 7139583 MLS ⋅ 1,568 SqFt.

Opportunity awaits on nearly 10 acres! This 5-bedroom, 3-bath timber-frame home offers plenty of space and potential for the right buyer ready to bring it back to life. The property also features a 32x26 shop, providing great space for storage, projects, or equipment. The home is in need of significant repairs and updates, including electrical, furnace, and plumbing work, making this a great opportunity for an investor, contractor, or buyer looking for a project. Roof And Windows are 15 years old. With acreage, a spacious home, and a shop already in place, there’s plenty of room to make this property your own!

3054 181st Street, Clearwater

Listing courtesy of Morgan & Co..

$324,900

ACTIVE Status ⋅ 2 Beds ⋅ 1 Baths ⋅ 7137666 MLS ⋅ 984 SqFt.

Affordable new construction in the heart of Clearwater! Conveniently located near restaurants, shopping, schools, & everyday amenities. Scheduled for completion by late October, w/ time remaining for buyers to customize selections & finishes throughout the home. This thoughtfully designed home features an open-concept floor plan w/ vaulted ceilings in the main living area, a spacious primary suite w/ a walk-in closet, & comfortable living spaces throughout. Situated on a large corner lot surrounded by mature trees, offering a beautiful setting & added privacy. Don't miss this opportunity to make this brand-new home your own!

980 Porter Street, Clearwater

Listing courtesy of Haller Realty Inc..

$290,000

ACTIVE Status ⋅ 2 Beds ⋅ 2 Baths ⋅ 7123262 MLS ⋅ 1,420 SqFt.

This low-maintenance townhome offers modern updates where it counts. Walk in and you'll immediately notice the nicely updated LVP flooring. The kitchen is where this home really shines with updated countertops, tons of cabinet space, and plenty of room to actually work while you cook. The peninsula has bar seating too, so it's an easy spot to grab coffee or hang out while dinner's going. Off of the dining area you'll find a patio for grilling or just sitting outside, and there's a sunroom that adds a nice bonus living space with great natural light. The primary bedroom doesn't skimp either with a big walk-in closet and its own full bathroom. There's a second bedroom too, so you've got options for guests, an office, whatever you need. Both bathrooms have been updated with quartz counters, tiled flooring and the guest bathroom has a custom tiled shower! The laundry/mudroom even has an extra wash sink. Out front, a spacious porch gives you another spot to enjoy being outside. In addition to the offerings of the home, the association provides a community space, bocce ball court, horseshoe pits and a pool!

193 Goldfinch Lane, Clearwater

Listing courtesy of Central MN Realty LLC.

$309,900

ACTIVE Status ⋅ 3 Beds ⋅ 3 Baths ⋅ 7121306 MLS ⋅ 1,620 SqFt.

Discover the perfect blend of style, comfort, and value in this beautifully designed two-story home. Filled with natural light, the thoughtfully designed floor plan offers three spacious bedrooms on the upper level, along with the convenience of an upstairs laundry room. The private primary suite is a true retreat, featuring an en suite bath and two generous walk-in closets. The main level is ideal for both everyday living and entertaining, showcasing an open-concept layout with seamless flow between the living room, dining area, and kitchen. The kitchen offers a large center island, a cozy breakfast nook, abundant cabinetry, and the unique opportunity to select your own appliances to match your personal style. Luxury vinyl plank flooring adds durability and elegance throughout the main level, while plush carpeting creates warmth and comfort upstairs. Quartz countertops, along with stunning African Sapele doors and trim, provide upscale finishes that set this home apart. Completing the package is a fully insulated attached garage—including the overhead door—offering year-round comfort and energy efficiency. This home combines modern finishes, functional design, and exceptional value, making it one you won't want to miss. Schedule your showing today!

438 Prairie Street, Clearwater

Listing courtesy of Freedom Realty.

$293,500

ACTIVE Status ⋅ 2 Beds ⋅ 2 Baths ⋅ 7082844 MLS ⋅ 1,492 SqFt.

Enjoy easy one-level living in Clearwater Estates. This 2 bedroom, 2 bathroom townhome offers vaulted ceilings, an open floor plan, and a spacious sunroom filled with natural light. The kitchen features painted cabinetry, updated countertops, stainless steel appliances, hardwood floors, and a large center island with seating. Updated vinyl flooring extends through the living and dining areas, creating an inviting space for everyday living and entertaining. The sunroom walks out to a wrap-around deck overlooking mature landscaping and flowering shrubs. A separate laundry room with sink, storage cabinets, and coat closet adds convenience, while the primary suite offers a private ¾ bath and generous closet space. Residents enjoy access to community amenities including a clubhouse, in-ground pool, bocce courts, and community property along the Mississippi River for walking, fishing, and picnics. Golf-cart friendly neighborhood with easy access to I-94, shopping, dining, and The Preserve Disc Golf Course.

146 Bluebird Lane, Clearwater

Listing courtesy of Keller Williams Classic Rlty NW.

$285,000

ACTIVE Status ⋅ 2 Beds ⋅ 2 Baths ⋅ 7072849 MLS ⋅ 1,420 SqFt.

Updated 2-bed, 2-bath Clearwater Estates patio home featuring 1,420 sq ft of true one-level living. This immaculate home boasts an open-concept layout, natural light, updated flooring and baths, a kitchen with SS appliances, a functional island and ample storage. Large MF primary suite with walk-in closet and shower. A spacious living area opens to a MF deck. Enjoy top-notch association perks: clubhouse, exercise room, outdoor pool, and parkland overlooking the Mississippi River. Quick close is available!

160 Cardinal Lane, Clearwater

Listing courtesy of Edina Realty, Inc.

$289,900

ACTIVE Status ⋅ 2 Beds ⋅ 2 Baths ⋅ 7064997 MLS ⋅ 1,500 SqFt.

Welcome to easy, elegant living in Clearwater Estates! This beautifully designed home offers the convenience of true main-level living paired with thoughtful, modern finishes. Step inside and enjoy the spacious feel of 9-foot ceilings and an inviting sunroom that fills the home with natural light—perfect for morning coffee or relaxing afternoons. The open kitchen features granite countertops and flows seamlessly into the living and dining areas, making both everyday living and entertaining a breeze. This home includes two comfortable bedrooms, highlighted by a private primary suite complete with its own bath and a generous walk-in closet. A double attached garage adds everyday convenience, while association-maintained living means you can spend less time on upkeep and more time enjoying life. Residents of Clearwater Estates also enjoy access to a clubhouse and pool, creating a welcoming community atmosphere. Located near the scenic Mississippi River, you’ll appreciate the blend of peaceful surroundings and nearby recreation. Low-maintenance, stylish, and ideally located—this is the home you’ve been waiting for.

195 Goldfinch Lane, Clearwater

Listing courtesy of Hometown Realty, Inc.

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