White Bear Lake Homes under $400,000

White Bear Lake Homes under $400,000

Welcome to White Bear Lake, Minnesota—a charming city that beautifully blends small-town warmth with modern conveniences. Nestled just northeast of St. Paul, White Bear Lake is renowned for its stunning natural beauty, vibrant community, and an array of recreational activities that make it a perfect place to call home. With a picturesque lake at its heart, residents enjoy year-round outdoor adventures, from swimming and boating in the summer to ice fishing and snowmobiling in the winter. The city's parks and trails provide ample opportunities for hiking, biking, and simply soaking in the breathtaking scenery.

For those considering a move to this delightful area, you'll be pleased to discover a variety of homes available under $400,000. Whether you’re a first-time homebuyer, a growing family, or looking to downsize, White Bear Lake offers an impressive selection of charming single-family homes, cozy townhouses, and inviting condos—all designed to suit diverse lifestyles and budgets. Many of these properties boast modern amenities and beautiful outdoor spaces, perfect for enjoying the serene surroundings.

The community spirit in White Bear Lake is palpable, with numerous local events, farmers' markets, and festivals that foster connections among neighbors. With its excellent schools, friendly atmosphere, and close-knit community, it’s no wonder that White Bear Lake is a sought-after destination for families and individuals alike. Embrace the opportunity to find your dream home in this idyllic city, where a vibrant lifestyle awaits you!

Newest White Bear Lake Homes under $400,000

1785 Tony Court, White Bear Lake
$329,900
2 Beds ⋅ 2 Baths ⋅ 7172304 MLS
Tucked away on a quiet cul-de-sac, this fabulous detached townhome sits on a wooded end-unit lot offering exceptional privacy. Step inside to find warm cherry wood doors and trim, a cozy gas fireplace, and brand-new hardwood flooring in the kitchen and foyer. This 2-bedroom, 2-bathroom home features a spacious primary suite complete with a walk-in closet and a relaxing whirlpool tub. You will love the abundance of storage throughout, including a versatile finished bonus space above the garage. Major mechanical updates are already taken care of with a new furnace (2024) and a new water heater (2026). Enjoy peaceful living just a few miles from the shops, dining, and lakeside charm of downtown White Bear Lake!

1785 Tony Court, White Bear Lake

Listing courtesy of Keller Williams Premier Realty.

2604 Roth Place, White Bear Lake
$315,000
3 Beds ⋅ 2 Baths ⋅ 7170659 MLS
Welcome to this spacious rambler tucked away on a quiet street in South White Bear Lake! If you're looking for a home with great potential to build equity and make it your own, this is an opportunity worth exploring. The home features a beautiful custom kitchen, hardwood flooring, and a large main-level family room with a wood-burning fireplace, along with separate formal living and dining areas. Originally designed with three main-level bedrooms, two bedrooms have been combined to create a spacious primary bedroom with double closets. Full bathrooms are conveniently located on both the main and lower levels, each featuring a jetted tub. Much of the lower-level finishing has been completed, offering a family room, third bedroom, oversized storage closet, sauna, laundry area, and an additional shower space that's perfect for washing up your four-legged family members. New vinyl plank flooring installed in the last year. Some finishing touches, including millwork, are still needed. The lower level is included in the home's finished square footage. Outside, enjoy a level, fenced backyard with a storage shed. The grounds are a reflection of the previous owner's love of nature, featuring abundant native plantings and established pollinator gardens thoughtfully cultivated to support wildlife and celebrate the natural surroundings. The roof was replace in November of 2022 with an Owens Corning Class 3 shingle to help with homeowners insurance rates. Please note that this is an estate sale, and the home and grounds are being sold in their present condition. This is a solid home with wonderful space, character, and opportunity, ready for its next owner to bring fresh vision and make it their own. Priced with updates and finishing projects in mind!

2604 Roth Place, White Bear Lake

Listing courtesy of Edina Realty, Inc..

1920 Lombardy Lane, White Bear Lake
$260,000
2 Beds ⋅ 1 Baths ⋅ 7171157 MLS
Affectionately known around White Bear Lake as the charming “Hobbit House.” Tucked away on a cul de sac, this unique home showcases mid-century modern influences, distinctive architecture, and endless possibilities to make it your own! Built on a slab with convenient main level living, the home features vaulted ceilings and an open concept design that creates an airy, inviting atmosphere. The flexible floor plan offers plenty of opportunity to re-imagine and personalize the spaces while embracing the home's original character. Step outside to a beautifully landscaped, fenced yard surrounded by mature trees and lush greenery, complete with a private patio perfect for relaxing or entertaining. Distinctive roof lines, natural surroundings, and a detached garage add to the home's unique appeal. Situated on a cul de sac and backing to Lincoln Elementary, this property offers a wonderful opportunity to bring your vision to life while celebrating its mid-century roots. A refreshing alternative to the traditional rambler, with character, charm, and room to make it your own!

1920 Lombardy Lane, White Bear Lake

Listing courtesy of Edina Realty, Inc..

2348 Oak Lane, White Bear Lake
$400,000
3 Beds ⋅ 2 Baths ⋅ 7169033 MLS
This home features 3 bedrooms, 2 bathrooms, 2-car garage, and a shed. The lower level boasts 2 non-conforming bedrooms. Updates include windows, roof on both house and garage in 2018, AC in 2022, concrete patio prior to 2018 and new garage door in 2022 Located near parks, schools, etc., this house could be your "Home Sweet Home".

2348 Oak Lane, White Bear Lake

Listing courtesy of RE/MAX Results.

2841 Riviera Drive N, White Bear Lake
$394,500
3 Beds ⋅ 2 Baths ⋅ 7167925 MLS
Welcome to this beautifully inviting two-story home in the desirable Mahtomedi School District, where classic charm meets everyday comfort. Set on a quarter-acre lot in an established neighborhood, this 3-bedroom, 2-bath home offers a wonderful balance of character, functionality, and modern updates. Step inside to discover freshly refinished solid hickory hardwood floors that bring warmth and natural elegance to the main level, complemented by new luxury vinyl plank flooring upstairs. Numerous improvements enhance the home's appeal and provide added peace of mind, including a newer roof, HVAC system, refrigerator, washer, and dryer. The outdoor setting is equally appealing, featuring a fully fenced backyard with space to unwind, entertain and garden. Walking distance to Wedgewood Park, pickleball courts, and neighborhood walking paths, the location offers an inviting blend of recreation and convenience. Everyday essentials, including grocery stores, gas, and restaurants, are all close at hand. A wonderful opportunity to enjoy an updated home in a neighborhood with an exceptional lifestyle — warm, welcoming, and effortlessly livable.

2841 Riviera Drive N, White Bear Lake

Listing courtesy of LaBelle Real Estate Group Inc.

1251 Birch Court, White Bear Lake
$249,900
2 Beds ⋅ 2 Baths ⋅ 7169820 MLS
Move-In Ready End-Unit Townhome in a Wonderful Location! Welcome home to this attractive, well-maintained end-unit townhome offering 2 bedrooms, 2 bathrooms, and a double garage. Thoughtfully designed for both comfort and convenience, this home features bright, inviting spaces and a layout that is perfect for everyday living and entertaining. Step inside to a spacious living room filled with natural light and highlighted by vaulted ceilings and a cozy gas fireplace—the perfect spot to relax and unwind. The open-concept main level flows seamlessly into the spacious kitchen, which offers abundant countertop and cabinet space for cooking, storage, and entertaining. The adjacent dining area features patio doors that lead to a wonderful private patio, creating an ideal extension of the living space for outdoor dining or entertaining. The patio doors also allow even more natural light to fill the home. A convenient half bath completes the main level. Upstairs, you’ll find two generous sized bedrooms and a versatile loft area that can easily be used as a home office, study area, reading nook, exercise area, or any additional living space you may need. The upper level also features a full bathroom and convenient in-unit laundry. Enjoy a fantastic location close to a variety of shopping, restaurants, parks, lakes, and trails, providing easy access to the amenities and outdoor recreation you love. With its desirable end-unit location, comfortable floor plan, abundant natural light, and convenient amenities, this home is ready for you to move in and enjoy!

1251 Birch Court, White Bear Lake

Listing courtesy of RE/MAX Results.

1260 S Birch Lake Boulevard, White Bear Lake
$239,000
2 Beds ⋅ 3 Baths ⋅ 7168759 MLS
Fantastic opportunity in highly desirable White Bear Township! This spacious 2-bedroom, 3-bath twin home offers the perfect combination of location, flexibility, and value, all with NO ASSOCIATION DUES! Enjoy the benefits of twin-home living without the monthly HOA expense. The home features a welcoming living room with a cozy gas fireplace, a functional floor plan, and two full bathrooms—one upstairs and one downstairs—plus an additional bath in the master. The huge lower level offers incredible flexibility, including an area with an existing window that could easily be converted into a third bedroom with the addition of a small wall and closet, subject to applicable requirements. Whether you need additional living space, a home office, or room for guests, the possibilities are endless! Many of the big-ticket improvements have already been taken care of, including a newer roof, windows, and mechanicals. The home primarily needs some minor cosmetic updating, presenting a great opportunity for buyers to add their personal touches without taking on a major renovation. Outside, you'll love the fully fenced yard, low-maintenance composite decking, storage shed, and beautiful established landscaping just waiting to be brought back to its full potential. The attached 2-car garage is complemented by an abundance of paved parking space, perfect for additional vehicles, recreational toys, or guests—something you don't find with many twin homes! SELLER FLEXIBILITY IS A HUGE BONUS! allowing for direct communication, quick decisions, and creative solutions to help make a deal come together. Seller is open to discussing buyer incentives, including interest rate buy-downs, contributions toward closing costs, or allowances for cosmetic improvements, depending on offer terms. Bring your ideas and let's find a way to make this home work for you! With no association dues, major improvements already completed, a fenced yard, generous parking, and tremendous potential, this White Bear Township property offers a combination of features and flexibility that is increasingly difficult to find. Don't miss this opportunity—bring your offer!

1260 S Birch Lake Boulevard, White Bear Lake

Listing courtesy of Keller Williams Classic Realty.

1800 Webber Street, White Bear Lake
$329,900
3 Beds ⋅ 2 Baths ⋅ 7165712 MLS
Wonderful 3 bedroom, 2 bathroom Split entry in the prized White Bear Lake area near multiple lakes and parks! Perfect location on a no through street with easy access to downtown WBL and major freeways. Spacious fenced backyard and quiet neighborhood. Large deck off patio doors. Per seller: Roof approx. 3 years--AC 7 years. Beautiful Bay window in living room. Lower level family room is semi-finished and could be finished without a lot of cost or effort. Priced below 2026 Tax value, Zillow and Realist estimated values. Please include couch and basement refrigerator on PA if possible. Street assessment balance of $1959 paid by seller at closing. Some photos are AI virtually staged.

1800 Webber Street, White Bear Lake

Listing courtesy of RE/MAX Results.

2630 Aspen Court, White Bear Lake
$300,000
3 Beds ⋅ 2 Baths ⋅ 7163581 MLS
This floor plan is the only one of it's kind in the development. The upper level features vaulted ceilings & gorgeous hardwood flooring. The kitchen features: BRAND NEW appliances; granite countertops; a center island w/a butcher block counter; & a spacious walk-in pantry. The generous primary bedroom offers a walk-in closet & convenient walk-through access to the full bathroom. Both upper level bedrooms have BRAND NEW carpet. This home also offers a unique, lower level private "apartment" with a new single French door that locks for privacy; a spacious family room w/brick wood-burning fireplace; updated, private 3/4 bathroom; a large bedroom w/2 closets; & a private outside entrance. It is the perfect set up for roommates - where the owner would only have to share the kitchen & laundry room with their tenants. Relax & unwind on the expansive deck in the warmer months. The attached 2 car garage offers lots of storage shelving. This home is tucked among mature trees, on a peaceful cul-de-sac. Convenient access to local parks, shopping & major roadways - add to the appeal of this desirable location.

2630 Aspen Court, White Bear Lake

Listing courtesy of Keller Williams Premier Realty.

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
$219,900
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.

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. New Roof was installed in 2022. 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..

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!