Finlayson Homes under $400,000

Welcome to Finlayson, Minnesota—a charming community that perfectly blends small-town warmth with easy access to the great outdoors. Nestled in the heart of Pine County, Finlayson is a hidden gem that boasts stunning natural beauty, friendly neighbors, and a vibrant local culture. Whether you’re an outdoor enthusiast or someone seeking a tranquil retreat, this city offers a unique lifestyle that caters to all.

One of the most appealing aspects of Finlayson is its affordability. For those looking to settle down in a cozy home without breaking the bank, this city features a variety of homes priced under $400,000. From quaint single-family houses to spacious properties with expansive yards, there’s something for everyone. Imagine sipping your morning coffee on a sunlit porch or hosting summer barbecues in your backyard—Finlayson homes provide the perfect canvas for creating lifelong memories.

The community is enriched by its proximity to numerous lakes, rivers, and parks, making it an ideal spot for fishing, hiking, and enjoying the beauty of nature. With a strong sense of community spirit, residents often gather for local events and festivals that celebrate the unique culture of Finlayson.

If you’re ready to embrace a lifestyle filled with charm, affordability, and outdoor adventure, Finlayson, MN, might just be the perfect place for you. Explore the available homes today and discover the endless possibilities that await in this delightful city!

Newest Finlayson Homes under $400,000

$250,000

3 Beds ⋅ 2 Baths ⋅ 7155187 MLS

So much home for the money! Sitting on over an acre, with lake access, without the taxes! This country home offers 3 bedrooms + a den, and 2 full bathrooms. Open floor plan, with lots of vaulted ceilings, wood burning fireplace in the living room for the chilly nights. Seller has started updating walls, still more to do if needed. 25 X 36 garage which includes 100 amp panel with a welding outlet. There is a hot tub room in the garage, which could make a great office. Beautiful yard with apple/crab apple trees & raspberries. Just steps down the road from the deeded access, 83' of frontage, and the 30' dock is also included. STAY OFF OF BACK DECK, it is in need of repair/replacement. This property is going through probate, cannot close until the probate is final, estimated end of November.

11503 116th Lane, Finlayson

Listing courtesy of United Country Real Estate Minnesota Properties.

$99,900

2 Beds ⋅ 1 Baths ⋅ 7143142 MLS

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.

$390,000

3 Beds ⋅ 3 Baths ⋅ 7142662 MLS

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

4 Beds ⋅ 2 Baths ⋅ 7132791 MLS

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

3 Beds ⋅ 3 Baths ⋅ 7133456 MLS

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

3 Beds ⋅ 2 Baths ⋅ 7133429 MLS

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

3 Beds ⋅ 1 Baths ⋅ 7125620 MLS

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.

$375,000

3 Beds ⋅ 1 Baths ⋅ 7092955 MLS

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. Dock and boatlift included!

63511 Petry Road, Finlayson

Listing courtesy of United Country Real Estate Minnesota Properties.

$249,900

2 Beds ⋅ 1 Baths ⋅ 7076564 MLS

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

4 Beds ⋅ 2 Baths ⋅ 7016478 MLS

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.

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