Ramsey Homes under $400,000

Welcome to Ramsey, Minnesota – a hidden gem nestled in Anoka County that perfectly balances suburban tranquility with vibrant community life. With its picturesque parks, scenic trails, and a strong sense of community, Ramsey is an ideal place for families, young professionals, and retirees alike. The city boasts a rich history, friendly neighborhoods, and an array of amenities that make it a wonderful place to call home.

One of the most attractive features of Ramsey is its diverse housing market, particularly for those seeking homes under $400,000. Here, you’ll find a variety of options, from charming single-family homes to modern townhouses, all designed to cater to different lifestyles and budgets. Many of these homes offer spacious layouts, contemporary finishes, and beautiful outdoor spaces, perfect for enjoying the Minnesota seasons.

Residents of Ramsey enjoy easy access to recreational activities, with numerous parks and lakes nearby, including the popular Ramsey Park, which features walking trails, playgrounds, and picnic areas. The city also hosts community events throughout the year, fostering a strong sense of belonging among its residents.

For commuters, Ramsey's convenient location provides quick access to major highways, making the journey to the Twin Cities straightforward. With its blend of affordability, community spirit, and natural beauty, Ramsey is a fantastic place to invest in your future. Discover your dream home in this inviting city, where every day feels like a retreat from the hustle and bustle of city life. Welcome to Ramsey – where community meets comfort!

Newest Ramsey Homes under $400,000

$339,900

3 Beds ⋅ 3 Baths ⋅ 7157937 MLS

This home is part of our Make Your Move Savings Event going on now! This home qualifies for rate buydown, paid closing costs and reduced pricing. Reach out for details. This Quick Move-in 3 Bedroom/2.5 Bathroom Camden floorplan in the Rivenwick Village community offers open-concept living with a dedicated dining area and cozy fireplace ideal for everyday living and entertaining. The upper level features a spacious loft providing flexible living space, along with a main bathroom that includes a walk-in shower and oversized walk-in closet. Enjoy a large backyard and low-maintenance living in a well-designed community setting. Rivenwick Village offers convenient access to Highway 10 and main roads for easy commuting, along with scenic walking trails along the Mississippi River. Nearby shopping, dining, and everyday amenities are just minutes away. One of only a few remaining quick move-in homes available.

13909 Kamacite Terrace NW, Ramsey

Listing courtesy of LGI Realty-Minnesota, LLC.

$360,480

3 Beds ⋅ 3 Baths ⋅ 7157687 MLS

FHA 5.25/5.891% APR if closing by Dec 23rd with sellers preferred lender. Call for further details. Enjoy low maintenance living near Draw Park, where serene water views, walking trails, and an amphitheater with summer concerts set the tone for an active, connected lifestyle. The Capri end home blends modern design with functional living, featuring an open-concept main level that flows effortlessly between kitchen, dining, and living spaces with over 2,100 square ft.! The nicely appointed kitchen is anchored by a large center island, perfect for entertaining and casual dining with a seamless transition to the 15x15 family room with modern electric fireplace. Retreat to the tranquil owner's bedroom with an en-suite bathroom and dual-sink vanity for added convenience. Two additional bedrooms and a main bath complete the upper level providing comfort and privacy for all household members. In addition, A versatile rec room adds flexibility for a home office, fitness space, or media room. The community of Parkside is nestled among established neighborhoods, where you’ll find the balance of connection and convenience, with walkability to parks, shopping, dining. Stop out to learn more about your new home opportunities!

7430 146th Avenue NW, Ramsey

Listing courtesy of M/I Homes.

$325,345

3 Beds ⋅ 3 Baths ⋅ 7157639 MLS

FHA 5.25/5.891% APR if closing by Dec 23rd with sellers preferred lender. Call for further details. Enjoy low maintenance living near Draw Park, where serene water views, walking trails, and an amphitheater with summer concerts set the tone for an active, connected lifestyle. This Athens II townhome blends modern design with functional living, featuring an open-concept main level that flows effortlessly between kitchen, dining, and living spaces. The L-shaped kitchen offers stainless steel appliances, a large walk-in pantry, and a center island ideal for gathering and entertaining. A versatile rec room adds flexibility for a home office, fitness space, or media room. Located at the community of Parkside, nestled among established neighborhoods, you’ll find the balance of connection and convenience, with walkability to parks, shopping, dining, and easy access to Hwy 10 for a quick commute. Stop out to learn more about your new home opportunities!

7434 146th Avenue NW, Ramsey

Listing courtesy of M/I Homes.

$369,990

3 Beds ⋅ 2 Baths ⋅ 7157110 MLS

This home is available for an October closing! Welcome to The Walker - a thoughtfully designed split-level home offering low-maintenance living with modern comfort throughout. A bright, welcoming foyer leads into a spacious living room, perfect for both relaxing and entertaining. The well-appointed kitchen flows seamlessly into the dining area and provides convenient access to the outdoors, ideal for everyday living and gatherings. Two secondary bedrooms and a full bathroom are thoughtfully positioned on one side of the home, while the private owner’s suite offers a peaceful retreat complete with an ensuite bath. The unfinished lower level walkout offers ample opportunity for future expansion. A three-car garage provides generous storage. Located in the Harmony Farms community, this home combines comfort, functionality, and flexibility with convenient access to shopping, dining, parks, and major highways.

16805 Ebony Street NW, Ramsey

Listing courtesy of Lennar Sales Corp.

$270,000

3 Beds ⋅ 3 Baths ⋅ 7156180 MLS

Sun-drenched and spacious, this middle-unit townhome offers the perfect blend of comfort and convenience. The main level is anchored by a functional kitchen boasting recently updated appliances (2024) and leads into living spaces illuminated by large windows. Upstairs, the oversized loft provides the extra living space you’ve been looking for. The primary bedroom serves as a private oasis, featuring a dual-vanity ensuite and a bright walk-in closet. With the laundry room located near the bedrooms and a new water heater (2025), this home is as practical as it is charming.

7310 Bunker Lake Boulevard NW, Ramsey

Listing courtesy of RE/MAX Results.

$255,000

2 Beds ⋅ 2 Baths ⋅ 7154552 MLS

Welcome to this conveniently located 2-bedroom, 2-bathroom home in Ramsey! The kitchen features brand-new appliances, including a range, refrigerator, dishwasher, and microwave. Both bathrooms have been refreshed with new toilets. The 2-car garage provides convenient parking and additional storage space. Enjoy easy access to major highways, shopping, dining, parks, trails, and other local amenities. With recent updates and a convenient location, this home offers comfort, functionality, and an opportunity to make it your own.

7225 E Ramsey Parkway NW, Ramsey

Listing courtesy of Real Broker, LLC.

$349,900

3 Beds ⋅ 2 Baths ⋅ 7153365 MLS

This home is located in a quiet Ramsey neighborhood on a .85 acre flat treed lot. This 3 BR, 2 Bath home offers space, privacy, and everyday convenience. Enjoy easy access to Ramsey's parks, trails, nearby shopping, dining, and schools. Inside, there is a large living room, an informal dining room that is off the kitchen. The kitchen has stainless steel appliances and wood cabinetry. Comfortable bedrooms on the same floor and a full bathroom. Lower level has a large family room, 3/4 Bath, and an additional finished room, plus there is more room that can be finished. There is a 2 stall attached garage. With nearly an acre of land, fenced partial rear yard, and it's location that puts you close to it all. This Ramsey home is one you want to see.

15210 Jackal Street NW, Ramsey

Listing courtesy of RE/MAX Results.

$275,000

2 Beds ⋅ 2 Baths ⋅ 7140805 MLS

Searching for true one-level living? You found it here at Orchard Hill! This 2 bedroom, 2 bathroom, & 2 car garage townhome offers location & brand new carpet for an affordable price. The home is bright & offers a great open floor plan. The large kitchen features newer SS appliances, ample storage & prep space, plus roll-out shelving in pantry cabinet. Vaulted-ceiling living room boasts a cozy gas fireplace for ultimate relaxation. Spacious primary bedroom features full ensuite bathroom & walk-in closet. Guest bedroom is ideal for office or craft room. Laundry closet & 3/4 guest bath off the kitchen for added convenience. Enjoy the private backyard nature views from the sunroom & patio. Home runs on in-floor hot water radiant heating with newer boiler, plus 2 new mini-split systems for A/C & supplemental heating in the living room & primary suite. Just imagine the toasty warm bathroom tile on a cold winter day! Oversized garage offers plenty of storage space. Up to 1 dog, 2 cats, & rentals OK. This home is move-in ready, but still a chance to build equity!

15266 Cobalt Street NW, Ramsey

Listing courtesy of RE/MAX Results.

$329,900

3 Beds ⋅ 3 Baths ⋅ 7153041 MLS

Ready for move-in in Ramsey’s Parkside Village, this home offers peaceful backyard views overlooking roughly 7 acres of North Commons Parkland. The main level features an inviting kitchen with a center island and window overlooking the backyard, along with comfortable living spaces and access to a maintenance-free deck. Upstairs, the spacious primary bedroom includes a private bath with a soaking tub, separate ceramic tile shower and double-sink vanity. Two additional bedrooms, a full bath, hall linen closet and convenient upper-level laundry complete the upper level. The unfinished lower level provides opportunity for future expansion with space for a family room, fourth bedroom and bath. Just blocks from The COR in Ramsey, with an amphitheater, dining, The Waterfront, a splash pad spanning more than 12,000 square feet, ballfields, walking paths, Metro Transit station and more nearby.

14854 Willemite Way NW, Ramsey

Listing courtesy of Redfin Corporation.

$334,900

3 Beds ⋅ 3 Baths ⋅ 7152342 MLS

***Be sure to ask about our Flex Cash programs for buyers that work with our preferred lender and preferred title company. Save money on closing costs including buying down your interest rate*** **Home is under construction** Enjoy walkable living near The Draw Park & Amphitheater, North Commons Park, trails, dining, shopping, and the Metro Transit station at The COR—making commuting and weekend plans easy. Located in Waterfront Village, this pet-friendly community offers miles of trails right outside your door plus association-covered lawn care and snow removal for low-maintenance living. The "Elmcrest" floor plan features 3 bedrooms, 3 bathrooms, and bright open-concept living with 9-foot ceilings and luxury vinyl plank flooring. The kitchen includes an oversized quartz island, white cabinetry, and stainless steel appliances. The private owner’s suite offers a walk-in closet and ensuite bath, with additional bedrooms ideal for work, guests, or hobbies.

7800 Bunker Lake Boulevard NW, Ramsey

Listing courtesy of NextHome West Metro.

$332,900

3 Beds ⋅ 3 Baths ⋅ 7152335 MLS

7788 Bunker Lake Boulevard NW, Ramsey

Listing courtesy of NextHome West Metro.

$329,900

3 Beds ⋅ 3 Baths ⋅ 7152334 MLS

***Be sure to ask about our Flex Cash programs for buyers that work with our preferred lender and preferred title company. Save money on closing costs including buying down your interest rate*** Home is move-in ready. Live steps from it all—concerts at The Draw Park & Amphitheater, cooling off at the Waterfront Park Splash Pad, miles of trails outside your front door, local dining, shopping, and the Metro Transit station at The COR for an easy commute. Waterfront Village offers a pet-friendly, walkable lifestyle with association-covered lawn care, snow removal and sanitation, so your weekends are for enjoying—not yard work. The "Elmcrest" features 3 bedrooms, 3 bathrooms, and bright open-concept living with 9-foot ceilings and luxury vinyl plank flooring. The kitchen includes an oversized quartz island, white cabinetry, and stainless steel appliances. Upstairs you'll find all three bedrooms, including a private owner’s suite offering a large walk-in closet and private bath. Having the laundry upstairs mean no more climbing stairs with laundry baskets! ***Ask about Flex Cash Promotion + 1% of the purchase price as a lender credit with preferred lender & title company. Stop by for a self-tour today.

14712 Bison Terrace NW, Ramsey

Listing courtesy of NextHome West Metro.

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