White Bear Lake Homes under $400,000

White Bear Lake Homes under $400,000

Welcome to White Bear Lake, Minnesota—a picturesque gem nestled in Ramsey County that offers the perfect blend of small-town charm and modern convenience. Known for its stunning lake views and vibrant community spirit, White Bear Lake is a haven for families, outdoor enthusiasts, and anyone looking to embrace a serene lifestyle without sacrificing accessibility to urban amenities.

This enchanting city is renowned for its beautiful parks, recreational activities, and a welcoming atmosphere. The centerpiece of the community is the stunning White Bear Lake itself, where residents enjoy boating, fishing, and swimming during the warm summer months, while winter brings opportunities for ice fishing and skating. The charming downtown area boasts an array of local shops, restaurants, and cafes, making it a delightful spot to spend your afternoons.

For those seeking to make White Bear Lake their home, you’ll be pleased to discover that there are fantastic housing options available under $400,000. Whether you're a first-time homebuyer, a growing family, or looking to downsize, this market offers a variety of choices—from cozy single-family homes to modern townhouses, each reflecting the unique character of the area.

With its excellent schools, friendly neighborhoods, and close-knit community feel, White Bear Lake is not just a place to live; it’s a place to thrive. Experience the charm and warmth of this lovely city, where your dream home awaits!

Newest White Bear Lake Homes under $400,000

5333 Hugo Road, White Bear Lake
$250,000
3 Beds ⋅ 2 Baths ⋅ 7161444 MLS
Diamond in the rough...a little TLC will make this gem shine again! 3 BR Rambler on corner lot. Large rooms and extra kitchen on lower level...perfect for Mother in Law!

5333 Hugo Road, White Bear Lake

Listing courtesy of eXp Realty.

1273 Birch Court, White Bear Lake
$229,900
2 Beds ⋅ 2 Baths ⋅ 7160792 MLS
Welcome to this inviting White Bear Lake townhome! The main level features a spacious living room with a cozy fireplace, an open kitchen with stainless steel appliances, breakfast bar, and convenient half bath. Upstairs offers two bedrooms, including a spacious primary bedroom with walk-in closet and upper-level laundry. Enjoy the private front patio and attached garage. Conveniently located near downtown White Bear Lake, shopping, restaurants, parks, and easy highway access. A great opportunity for comfortable, low-maintenance living!

1273 Birch Court, White Bear Lake

Listing courtesy of LPT Realty, LLC.

2064 Stillwater Street, White Bear Lake
$390,000
3 Beds ⋅ 2 Baths ⋅ 7160884 MLS
Welcome to this well kept White Bear Lake home, located three blocks from Bald Eagle Lake, near White Bear Lake High School, and a short distance from the shops, restaurants, and charm of downtown White Bear Lake. The welcoming entry opens to a generous living and dining area, with a walkthrough wet bar connecting to the large eat in kitchen. Main floor laundry is conveniently located in the mudroom. Upstairs, the primary suite offers its own level with a spacious bedroom, walk in closet, and private three quarter bathroom. Two lower level bedrooms provide comfortable separation from the primary suite. Outside, enjoy a well cared for yard with plenty of room to relax or entertain. The oversized detached two car garage includes generous attic storage. A neighboring vacant lot and city owned wooded acreage bordering the backyard add to the appeal of this spacious, natural setting. Professional photos coming 10/20/2026.

2064 Stillwater Street, White Bear Lake

Listing courtesy of Coldwell Banker Realty.

3624 Rolling View Drive, White Bear Lake
$350,000
3 Beds ⋅ 2 Baths ⋅ 7148228 MLS
Come check out 3624 Rolling View Dr. in the heart of White Bear Lake! Positioned on a quiet street, this inviting home offers a wonderful combination of comfort, convenience, and functionality. Featuring three bedrooms on the main level, an eat-in kitchen, and plenty of storage throughout, this home is designed to accommodate a variety of lifestyles. The walkout basement includes an office space separated from the main living areas offering a quiet place to work from home. Enjoy the fenced backyard, ideal for outdoor entertaining, gardening, pets, or simply relaxing outdoors. Additional highlights include an attached two-car garage and a brand-new roof for added peace of mind. Ideally located near White Bear Lake’s fantastic restaurants, parks, and local amenities, this home offers a wonderful opportunity to enjoy all that this sought-after community has to offer. With its versatile spaces, desirable features, and convenient location, this house is ready for you to make it a home!

3624 Rolling View Drive, White Bear Lake

Listing courtesy of Edina Realty, Inc..

2071 Cedar Avenue, White Bear Lake
$335,000
4 Beds ⋅ 2 Baths ⋅ 7160750 MLS
Darling home 4 bedrooms, 2 bathrooms in desirable neighborhood walking or biking distance to the lakes and to all the downtown White Bear Lake, close to great schools and more. Updated kitchen with new wind and stainless still appliances. New floors, new A/C 2026. Beautiful open space dining/living room with wood burning fireplace. Two bedrooms upstairs and two downstairs. Both levels have full bath. Lots of storage. Extra large double garage with rear garage door, large expansive deck for entertaining and fully fenced back yard. This amazing home is ready for you!

2071 Cedar Avenue, White Bear Lake

Listing courtesy of eXp Realty.

2063 2nd Street, White Bear Lake
$385,000
3 Beds ⋅ 1 Baths ⋅ 7159469 MLS
Great starter home in White Bear Lake. This story, well-maintained rambler, is extremely clean, with a new HVAC system installed within the last five years. Three main-floor bedrooms. Updated interior with charming cottage-style decor. The washer and dryer are in the extremely clean basement. Located within walking distance of downtown, schools, grocery stores, places of worship, and a bus line. This home sits on a very large lot with nice shade trees, giving you peace of mind about its condition and care.

2063 2nd Street, White Bear Lake

Listing courtesy of Rocket Realty.

1623 Highway 96 E, White Bear Lake
$360,000
2 Beds ⋅ 2 Baths ⋅ 7156620 MLS
Picture this: a one-level White Bear Lake home with wide-open flow, a brand-new walk-in primary bath (2023), and a double-deep, insulated, fully finished garage with an epoxy floor and a new door and opener. It fits four cars, or one car plus the workshop, the project bike, and everything you're paying a storage unit to hold. You also won't spend your first summer writing checks. The roof, siding, windows, and exterior doors were all replaced in 2023, and the furnace, A/C, and water heater are from 2020. Stainless steel appliances and a Quantum Fiber connection went in during 2026, so the kitchen looks sharp and the home office keeps up. Two bedrooms today, with a floor plan ready for a third when you are. Out back, a maintenance-free privacy fence and patio landing give you room to unwind. An extended driveway and rock landscaping up front keep the exterior clean and low-fuss. Downtown White Bear, the lake, parks, trails, shops, groceries, hospitals, and coffee shops are all minutes away, and you still get the quiet of a home set just off Highway 96. Homes with this much done, this much space, and this location don't wait around. Book your showing today.

1623 Highway 96 E, White Bear Lake

Listing courtesy of Keller Williams Select Realty.

1258 Bridle Path Court, White Bear Lake
$249,900
2 Beds ⋅ 2 Baths ⋅ 7159533 MLS
Spacious 2-bedroom, 2-bathroom end-unit townhome tucked into a wooded and private cul-de-sac. The main level features vaulted ceilings and quality woodwork, while hardwood floors bring warmth to the kitchen and dining room. Step out to the deck for easy outdoor enjoyment. The primary bedroom offers a walk-in closet and walk-through bathroom. The walk-out lower level provides flexible living space with a fireplace, patio access, and potential for a third bedroom or additional primary suite. A large walk-in entry closet and 2-car garage provide excellent storage and convenience. Enjoy a location within walking distance of Tamarack Nature Center and its miles of scenic trails, along with easy access to 35E for commuting and getting around the area. Quality-built and move-in ready, this home offers privacy, flexibility, and a convenient location.

1258 Bridle Path Court, White Bear Lake

Listing courtesy of Redfin Corporation.

2059 2nd Street, White Bear Lake
$299,000
3 Beds ⋅ 1 Baths ⋅ 7158836 MLS
Great starter home in White Bear Lake. This one-and-a-half-story, well-maintained home is extremely clean, with a new roof and HVAC system installed within the last five years. Main-floor primary bedroom with a nursery or use it as a large walk-in closet. The upper-level features two large bedrooms. The washer and dryer are in the kitchen. The front porch acts as a great solar buffer with plenty of windows. Located within walking distance of downtown, schools, grocery stores, places of worship, and a bus line. This home sits on a very large lot with nice shade trees, giving you peace of mind about its condition and care.

2059 2nd Street, White Bear Lake

Listing courtesy of Rocket Realty.

1812 9th Street, White Bear Lake
$299,900
2 Beds ⋅ 2 Baths ⋅ 7158284 MLS
Charming, thoughtfully updated, and ideally located in the heart of White Bear Lake, this delightful rambler is just steps from Podvin Park and downtown. The beautifully remodeled kitchen and bathroom bring a fresh, modern feel, while two bedrooms on the main level offer comfortable, easy living. The basement provides additional living space, making this home a perfect example of small but mighty. Outside, the incredible yard is a gardener’s dream, complete with a classic picket fence and a large patio perfect for relaxing or entertaining. A detached two-car garage adds the finishing touch to this charming home!

1812 9th Street, White Bear Lake

Listing courtesy of RE/MAX Results.

3890 Hill Avenue, White Bear Lake
$364,900
3 Beds ⋅ 2 Baths ⋅ 7157281 MLS
If you prefer a quiet wooded cul-de-sac with prime White Bear Lake location, plus an incredible home- value priced, then look no further! Start with a solid built rambler with maintenance free exterior, updated mechanicals, 200 amp electric (with 220 in garage), 3 bedrooms on main floor, 2 ceramic tile baths, beautiful main floor family room with wood burning stove fireplace and French doors. Eat in kitchen plus formal dining room, immaculate hardwood floors, updated windows, new roof (2026), stainless appliances, south facing and huge bow window to bring in plenty of natural sunlight, built in hutch, concrete driveway and room to expand - you better hurry to get this one!

3890 Hill Avenue, White Bear Lake

Listing courtesy of Coldwell Banker Realty.

4070 Jay Lane, White Bear Lake
$350,000
5 Beds ⋅ 2 Baths ⋅ 7152424 MLS
Welcome home! You’ll love how bright the rooms feel and how roomy this beautiful rambler is! With 5 bedrooms and 2 baths, there’s plenty of space to spread out, relax, and enjoy everyday living. The main level features three bedrooms and beautiful hardwood floors that add warmth and character to the home. The lower level expands your living space with two generously sized bedrooms featuring egress windows, plus a comfortable family room—perfect for movie nights, guests, hobbies, or a home office. Updated windows provide added comfort and peace of mind, while the fully fenced backyard is a wonderful space for relaxing, entertaining, pets, or outdoor play. A detached 2-car garage offers convenient parking, and the storage shed gives you plenty of additional storage. With its bright, spacious rooms, flexible floor plan, hardwood floors, updated windows, fenced backyard, and 2-car garage, this home offers the space and functionality today's buyers are looking for. Come see for yourself how welcoming and roomy this beautiful rambler truly is!

4070 Jay Lane, White Bear Lake

Listing courtesy of Edina Realty, Inc..

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.

How much is your home worth?

Get instant property value now!