White Bear Homes under $400,000

Welcome to White Bear Lake, Minnesota, a charming city nestled in Ramsey County that beautifully combines a vibrant community spirit with the tranquility of nature. Known for its stunning lake and picturesque parks, White Bear Lake offers a delightful blend of outdoor recreation and suburban comfort. With its rich history, friendly neighborhoods, and excellent schools, it’s no wonder that families, professionals, and retirees alike are drawn to this idyllic locale.

For those seeking an affordable entry into this picturesque community, White Bear Lake has a variety of homes available for under $400,000. Whether you’re a first-time homebuyer or looking to downsize, you’ll find an array of options that cater to diverse tastes and lifestyles. From charming single-family homes with spacious yards to modern townhouses with contemporary finishes, there’s something for everyone in this welcoming market.

Imagine waking up to the serene views of White Bear Lake, enjoying leisurely afternoons at local parks, or exploring the quaint shops and restaurants in the downtown area. The community is not only rich in recreational opportunities—boating, fishing, and hiking are just a stone's throw away—but also boasts a strong sense of community, with events and activities that bring residents together throughout the year.

Discover the perfect home in White Bear Lake, where affordability meets quality of life. With homes under $400,000, you can enjoy all that this beautiful city has to offer, without breaking the bank. Come and experience the charm and warmth of White Bear Lake—your dream home awaits!

Newest White Bear Homes under $400,000

$375,000

ACTIVE Status ⋅ 3 Beds ⋅ 3 Baths ⋅ 7161317 MLS ⋅ 1,876 SqFt.

A backyard designed to impress, with an interior equally deserving of attention! Situated on over half an acre, this distinctive single-story home offers an exceptional setting for entertaining, relaxing, and enjoying the outdoors. The backyard is a true highlight, featuring an in-ground pool surrounded by a concrete patio, an inviting screened gazebo, a deck, and a pool house complete with a bar area and 3/4 bath. Inside, expansive windows invite abundant natural light, showcasing the home's unique character and updated flooring throughout. The generous kitchen features a new refrigerator, range, and dishwasher, with plenty of space for cooking and gathering. Two bedrooms and a dedicated office occupy the main level, while the finished lower level offers additional living space and a third bedroom. This home offers a setting you'll love coming home to!

2520 4th Street, White Bear

Listing courtesy of Kris Lindahl Real Estate.

$400,000

ACTIVE Status ⋅ 3 Beds ⋅ 4 Baths ⋅ 7109821 MLS ⋅ 3,400 SqFt.

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

ACTIVE Status ⋅ 3 Beds ⋅ 3 Baths ⋅ 7133934 MLS ⋅ 2,525 SqFt.

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.

$307,500

ACTIVE Status ⋅ 4 Beds ⋅ 2 Baths ⋅ 7050078 MLS ⋅ 1,665 SqFt.

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.

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.

White Bear Homes under $400,000

Newest White Bear Homes under $400,000

How much is your home worth?

How much is your home worth?