Finlayson Homes under $400,000

Welcome to Finlayson, Minnesota—a hidden gem nestled in the heart of Pine County. This charming city offers a unique blend of small-town warmth and natural beauty, making it an ideal place for families, retirees, and anyone looking to escape the hustle and bustle of city life. With its picturesque landscapes, abundant outdoor activities, and a strong sense of community, Finlayson is a place where you can truly feel at home.

One of the most appealing aspects of Finlayson is its affordability. Here, you can find a variety of homes priced under $400,000, making it an excellent option for first-time buyers and those looking to downsize without compromising on quality. From cozy single-family homes to spacious properties with sprawling yards, the real estate market in Finlayson offers something for everyone. Imagine sipping your morning coffee on a sunny porch or hosting summer barbecues in your backyard—life in Finlayson can be as serene or as vibrant as you desire.

In addition to its affordable housing, Finlayson boasts a strong sense of community. Residents enjoy access to local parks, trails, and recreational areas, perfect for hiking, fishing, or simply enjoying the great outdoors. The city also hosts various community events throughout the year, fostering connections among neighbors and creating a welcoming atmosphere.

If you’re looking for a place that combines affordability, natural beauty, and a tight-knit community, Finlayson, MN, is the perfect choice. Explore the available homes under $400,000 today, and discover your dream home in this enchanting city!

Newest Finlayson Homes under $400,000

$99,900

ACTIVE Status ⋅ 2 Beds ⋅ 1 Baths ⋅ 7143142 MLS ⋅ 832 SqFt.

Simple hunting shack sitting on 5 very nice acres. Great location. Use as a guest place or man cave as you build your forever home. Needs work, but was used as a year round home. Being sold AS-IS. Main floor has a bedroom roughted in, large living room, main floor laundry /full bath. Loft in upper level acts as 2nd bedroom. Non compliant septic. Part of pole building is falling down, but the 24x24 2 car garage/shop is in good shape and useable.

69980 County Highway 61, Finlayson

Listing courtesy of United Country Real Estate Minnesota Properties.

$400,000

ACTIVE Status ⋅ 3 Beds ⋅ 3 Baths ⋅ 7142662 MLS ⋅ 2,103 SqFt.

Come check out this year round lake house. This property started out as an A Frame then expanded into a larger lake home with tuckunder garage for all your storage. Heated with gas f/a and radiant heat. Great beach area with lots of room for summer fun down by the water. Property needs someone with ideas to finish where seller left off inside and outside.

66524 Northridge Road, Finlayson

Listing courtesy of United Country Real Estate Minnesota Properties.

$369,900

ACTIVE Status ⋅ 4 Beds ⋅ 2 Baths ⋅ 7132791 MLS ⋅ 1,902 SqFt.

TURNKEY 5-ACRE RETREAT! Completely renovated and ready to enjoy! This Finlayson property features NEW roof, walls, flooring, kitchen & cabinets, bathrooms, furnace, A/C, and appliances. Enjoy the outdoors from the expansive wrap-around deck with a huge barn offering excellent garage, storage, or workshop potential. Beautiful partially wooded acreage with an abundance of established berries, including blueberries and blackberries. Private, peaceful, and packed with updates—nothing left to do but move in and enjoy!

68513 County Hwy 61, Finlayson

Listing courtesy of PCH Realty LLC.

$399,900

ACTIVE Status ⋅ 3 Beds ⋅ 3 Baths ⋅ 7133456 MLS ⋅ 2,090 SqFt.

Nestled on a beautiful 10-acre property, this charming 2-story home offers the perfect blend of comfort, privacy, and outdoor adventure. Featuring 2 bedrooms, an office, and 3 bathrooms, the home offers over 2,000 square feet of finished living space and is move-in ready. The spacious living room features a wet bar with built-in cabinetry and a Class A masonry chimney with a woodstove insert, creating a warm and inviting atmosphere. In-floor radiant heat adds to the comfort throughout the home. Outside, the property truly shines with a heated 2-car detached garage featuring a workshop area, a bunkhouse/mother-in-law building, and several additional outbuildings for storage. With 10 acres to explore, you’ll find hiking trails throughout the property, along with wild raspberry, blackberry, and strawberry bushes and hazelnut plants. Hunting is convenient with access directly from the property, and a treehouse/deer stand provides an excellent vantage point. Seasonal runoff even creates a charming creek through the property during the spring months. Outdoor enthusiasts will love the convenient access to nearby state parks, forests, and wildlife management areas, with destinations ranging from just 5 minutes to an hour away. ATV enthusiasts can enjoy direct access to trails including the Soo Line Trail, while biking opportunities are available along the Willard Munger State Trail. The property is also conveniently located near casinos and Mille Lacs Lake, offering even more options for recreation and entertainment. Whether you’re looking for a peaceful year-round home, weekend getaway, hunting retreat, or a place to enjoy the outdoors, this 10-acre property offers endless possibilities.

20907 Hardwood Loop, Finlayson

Listing courtesy of eXp Realty.

$314,900

ACTIVE Status ⋅ 3 Beds ⋅ 2 Baths ⋅ 7133429 MLS ⋅ 1,708 SqFt.

3 bed/2 bath home for sale on over an acre in town! Nicely updated home - walk into large entryway/mud room and continue on to updated kitchen with beautiful knotty alder kitchen cabinets, pantry, separate dining room with additional walk-in pantry/storage space. Main level primary bedroom, main level 3/4 bath with tile shower and main level laundry. Front entry of the home walks into sunroom with hardwood floors, comfortable living room, and main level bonus room for office, storage, playroom, etc. Upstairs are two additional bedrooms and 3/4 bathroom. Basement has great space for storage! Outside you'll find a spacious yard with apple trees and various flowers and blooming trees. Multiple garages for vehicles, storage, workshop. Garages are 16x24, 18x24, and 26x27+16x30. Large garage has 12' overhead door for RV parking. The property sits150x300 lot and is bordered on three sides with paved city roads, driveways into the property come off all three sides. New roof and steel siding on the home in 2024.

6532 School Street N, Finlayson

Listing courtesy of United Country Real Estate Minnesota Properties.

$245,000

ACTIVE Status ⋅ 3 Beds ⋅ 1 Baths ⋅ 7125620 MLS ⋅ 2,208 SqFt.

This 3-bedroom, 1-bath home sits on over 2.5 acres and offers plenty of space both inside and out. Step inside to an open living room that flows into the combined kitchen and dining area, where an abundance of windows fills the space with natural light. Two nicely sized bedrooms are located on the main floor. Upstairs, you’ll find the third bedroom, a bonus room, and a spacious second living room. An attached one-stall garage provides convenient parking and additional storage. Outside, enjoy a large yard with plenty of room to relax, play, garden, or entertain. Located on a dead-end road, this property offers a peaceful country setting to enjoy!

24477 Wooded Circle, Finlayson

Listing courtesy of United Country Real Estate Minnesota Properties.

$399,900

ACTIVE Status ⋅ 3 Beds ⋅ 1 Baths ⋅ 7092955 MLS ⋅ 1,027 SqFt.

Embrace the quiet side of lake life. Built in 2012, this 3-bedroom, 3/4-bath home was designed to showcase the beauty of its natural surroundings. The quality craftsmanship highlights the 2x6 extra thick insulated walls that provide every season with draft-free comfort resulting in excellent temperature control and energy efficiency. Fire-resistant low maintenance Hardie siding. Premium Marvin Windows and Patio Doors throughout to let the natural lighting in while enjoying a reprieve from a sun filled day on the lake. Upper Pine Lake offers an idyllic environment for endless water activities without the chaotic boat traffic of larger lakes. Conveniently located, Duluth is 70 miles to the north and the Twin Cities 90 miles to the south.

63511 Petry Road, Finlayson

Listing courtesy of United Country Real Estate Minnesota Properties.

$249,900

ACTIVE Status ⋅ 2 Beds ⋅ 1 Baths ⋅ 7076564 MLS ⋅ 720 SqFt.

40' of lake frontage on beautiful Big Pine Lake is included with this charming turnkey cabin, offering the perfect combination of affordable lake living, privacy, and investment potential! Whether you're looking for your own personal lake retreat or hoping to offset ownership costs with a successful short-term rental, this fully furnished cabin is ready to enjoy from day one. The cabin features 2 bedrooms, a 3/4 bath, and a cozy living room with beautiful lake views. Step outside to the spacious L-shaped deck overlooking an exceptionally large 1/2-acre lot with no neighbors on one side, providing added privacy that's hard to find at this price point. The property also includes a bonfire area, storage sheds, and plenty of room for outdoor games, entertaining, and relaxing. Included with the property is a separate 40' lakefront lot located just across Hwy 18 on the frontage road, complete with a dock and easy access to highly sought-after Big Pine Lake. It's just a short walk—approximately 500 feet—from the cabin to your lakeshore, making it easy to enjoy boating, fishing, and everything lake life has to offer. The nearby public boat launch is conveniently located less than 1/4 mile away. Now offered at just $249,900, this is an exceptional opportunity to own an affordable Big Pine Lake getaway, 40 foot lake frontage with dock, a spacious lot, added privacy, and proven rental income potential. Whether you choose to enjoy it yourself or continue its successful vacation rental history, this property offers outstanding value and flexibility.

20267 State Highway 18, Finlayson

Listing courtesy of Town & Country Real Estate Inc.

$249,900

ACTIVE Status ⋅ 4 Beds ⋅ 2 Baths ⋅ 7016478 MLS ⋅ 2,528 SqFt.

Historic 4 bedroom home in the heart of Finlayson. This home is one of the first homes built in Finlayson in the early 1900s. The home features original hardwood floors, beautiful wood trim throughout, formal dining room with built in hutch, and upper level porch overlooking town. On the main floor you will find an updated kitchen, dining and living rooms and main level half-bath. There is a sunroom and large entry front porch, as well as a three-season porch on the back of the home. The upper level of the home has all four bedrooms, a full bath, linen closet, and porch/sitting room great for an office, craft room, play room, gaming room ... endless possibilities! Full basement for storage, mechanicals, and laundry; walk up cellar door from the basement to the backyard. Outside is a detached 2 car garage, nice yard space, and mature trees. Convenient location in Finlayson just a few minutes to I-35 for easy commuting. The Munger Trail runs right through town for biking, walking, snowmobiling. The Pine Lake chain, Soo Line Trail, and Banning State Park are all close.

6494 School Street, Finlayson

Listing courtesy of United Country Real Estate Minnesota Properties.

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.