Ham Lake Homes under $400,000

Welcome to Ham Lake, Minnesota—a charming community nestled in Anoka County that perfectly blends suburban tranquility with the vibrancy of outdoor living. Known for its picturesque landscapes, Ham Lake boasts an abundance of parks, lakes, and recreational opportunities, making it an ideal place for families, nature enthusiasts, and anyone seeking a peaceful lifestyle away from the hustle and bustle of the Twin Cities.

One of the standout features of Ham Lake is its commitment to preserving natural beauty. With over 1,000 acres of parks and trails, residents can enjoy hiking, biking, and fishing in serene settings. The namesake Ham Lake offers a lovely spot for kayaking and picnicking, while the surrounding forests provide a peaceful retreat for those who love to explore.

When it comes to housing, Ham Lake is a hidden gem for homebuyers seeking affordability without sacrificing quality. The real estate market here offers a variety of homes priced under $400,000, making it accessible for first-time buyers and those looking to downsize. From charming single-family homes with spacious yards to cozy townhouses, there’s something for everyone. Many properties feature modern amenities and are situated in friendly neighborhoods, perfect for raising a family or enjoying a laid-back lifestyle.

In addition to its beautiful homes, Ham Lake is conveniently located near major highways, providing easy access to shopping, dining, and entertainment options in nearby cities. If you’re looking for a welcoming community with affordable housing and a wealth of outdoor activities, Ham Lake is the perfect place to call home. Come explore what this delightful city has to offer!

Newest Ham Lake Homes under $400,000

$399,900

2 Beds ⋅ 1 Baths ⋅ 7112750 MLS

Welcome to this charming Ham Lake property offering a convenient location and 5 wooded acres of privacy and space! This 2-bedroom home features a main-level full bath and a main-floor flex room that is non-conforming due to the lack of a closet. Enjoy the warmth and character of hardwood flooring underneath the newer carpet in the living room and dining room. The unfinished basement provides excellent potential for additional living space, a recreation room, home office, or storage, ready for you to maximize and make your own. A standout feature is the impressive 3-car detached garage, built in 2021, measuring approximately 35x31. The fully finished garage includes in-floor heat, a floor drain, and plumbing in place for water, just connect it to the waterline. Recent 2026 improvements include a new septic system, paver driveway and patio, fresh landscaping, and a new refrigerator. With 5 wooded acres, there's plenty of room to enjoy the outdoors while remaining conveniently located near area amenities. A great opportunity to enjoy acreage, privacy, and valuable updates in Ham Lake!

4407 Crosstown Boulevard NE, Ham Lake

Listing courtesy of Keller Williams Classic Realty.

$90,000

2 Beds ⋅ 2 Baths ⋅ 7133912 MLS

Welcome to this fully remodeled mobile home in Ham Lake! This beautifully updated home features granite kitchen countertops, a spacious kitchen island, and a ceiling vent above the island. The living room and bedrooms offer elegant tray ceilings with LED lighting, while the updated bathrooms add modern style and convenience. Enjoy fresh paint throughout, newer windows, a newer roof, and beautiful new laminate flooring throughout the home. A brand-new shed located behind the home provides excellent storage for lawn equipment and more. The property also includes parking for up to two cars and is conveniently located near shopping, dining, parks, and major roadways. Schedule your showing today!

1017 Meadow Lane NE, Ham Lake

Listing courtesy of Home Sellers.

$355,000

4 Beds ⋅ 2 Baths ⋅ 7132586 MLS

Thoughtfully updated 4-bedroom, 2-bathroom Ham Lake home offering 1,804 finished square feet. The main level features a spacious living room with brick accents, built-ins, and a cozy fireplace. The refreshed kitchen includes granite countertops, newer appliances, freshly painted cabinetry, and updated hardware. Both bathrooms have been refinished with updated fixtures, flooring, and plumbing. The finished lower level offers two additional bedrooms and a comfortable family room with a freestanding gas fireplace. Outside, enjoy a private, fully fenced backyard with mature trees, established landscaping, gardens, a fire pit, and a spacious storage shed. Additional highlights include a roof replaced less than three years ago, durable aluminum siding, a freshly painted multi-level deck, oversized concrete patio, heated and insulated two-car garage, three-car-wide driveway, and no HOA.

3035 165th Lane NE, Ham Lake

Listing courtesy of RE/MAX Results.

$384,900

3 Beds ⋅ 2 Baths ⋅ 7119565 MLS

Nestled on a beautiful lot just one block from Coon Lake, this well-maintained walkout rambler offers the perfect combination of comfort, updates, and location. The main level features two bedrooms, a full bathroom, a spacious living room, an inviting kitchen with granite countertops, dining area, and a bright four-season porch overlooking the backyard. The finished walkout lower level includes a large family room with a bar, a third bedroom, a 3/4 bathroom, and direct access to the stamped concrete patio, making it an ideal space for entertaining or relaxing. Numerous updates provide peace of mind, including vinyl siding (2013), roof (2016), concrete driveway, sidewalk and stamped patio (2017), kitchen flooring, granite countertops and appliances (2018), furnace and central air (2020), all new windows (2022), Commers water softener system (2023), and new washer, dryer, and refrigerator (2026). Enjoy the benefits of a quiet setting just steps from Coon Lake with easy access to recreation, boating, and everything Ham Lake has to offer.

17452 Hiawatha Beach Drive NE, Ham Lake

Listing courtesy of RE/MAX Results.

$335,000

4 Beds ⋅ 2 Baths ⋅ 7107140 MLS

Welcome to 1204 133rd Ln NE, Ham Lake, MN 55304—a rare gem where modern updates meet serene golf course living! This beautifully updated 4-bedroom, 2-bath home is nestled on a wooded lot, offering privacy and stunning views right from your sunroom. Imagine sipping your morning coffee while watching deer wander through the trees, or entertaining friends in your newly finished basement—perfect for movie nights or a game room. The heart of the home is the stunning, updated kitchen featuring sleek butcher block countertops, stainless steel appliances, and plenty of space for culinary creativity. Step into the sunroom and soak in the natural light, or head out back to enjoy your peaceful, wooded backyard—ideal for summer barbecues or quiet evenings under the stars. Golf enthusiasts will love the direct view of the nearby course, with the unique ability to drive your cart straight from your backyard to the fairway! The oversized garage includes a dedicated shop area, perfect for hobbies or extra storage. Recent upgrades include a brand new septic system and air conditioning, ensuring comfort and peace of mind for years to come. Located just minutes from local favorites like Majestic Oaks Golf Club, Ham Lake Lanes, and charming eateries, you’ll enjoy both tranquility and convenience. Don’t miss your chance to own this move-in ready retreat—schedule your tour today and experience the best of Ham Lake living!

1204 133rd Lane NE, Ham Lake

Listing courtesy of Epique Realty.

$330,000

4 Beds ⋅ 2 Baths ⋅ 7030236 MLS

Room to Breathe in Ham Lake! Welcome to your chance to own a home on nearly an acre in beautiful Ham Lake! Nestled among mature trees this property offers the perfect blend of privacy, and potential. Enjoy the peace of country-style living while still being just minutes from everyday conveniences. The spacious lot provides endless possibilities — whether you dream of outdoor entertaining, planting your garden, or simply enjoying the extra space around you. The home offers a solid layout with great bones and plenty of opportunity to make it your own. With a little vision, this property can truly shine. If you’ve been searching for space, privacy, and the chance to create something special, this Ham Lake property is one you won’t want to miss.

1863 164th Lane NE, Ham Lake

Listing courtesy of RE/MAX Results.

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