Clearwater Homes under $400,000

Welcome to Clearwater, Minnesota—a hidden gem nestled in the heart of Wright County. Known for its picturesque landscapes and friendly community, Clearwater offers a serene lifestyle that perfectly balances small-town charm with modern conveniences. With its beautiful lakes, lush parks, and vibrant local businesses, Clearwater is an ideal destination for families, retirees, and anyone seeking a peaceful escape from the hustle and bustle of city life.

One of the most appealing aspects of Clearwater is its affordability. Homes in this delightful city can be found for under $400,000, making it an attractive option for first-time buyers and those looking to invest in a cozy, welcoming neighborhood. Whether you’re searching for a quaint starter home, a spacious family residence, or a charming cottage by the lake, Clearwater boasts a diverse range of properties that cater to various tastes and budgets.

In Clearwater, you’ll find well-maintained homes featuring modern amenities, beautiful yards, and often, stunning views of the surrounding natural beauty. The community is also known for its excellent schools, making it a perfect choice for families looking to settle down. With a strong sense of community, residents enjoy various local events, farmers' markets, and outdoor activities that foster connections and create lasting memories.

If you’re looking to embrace a lifestyle that combines affordability with the beauty of nature, Clearwater, MN, is the perfect place to call home. Explore our listings today and discover the endless possibilities waiting for you in this charming city!

Newest Clearwater Homes under $400,000

$289,900

3 Beds ⋅ 2 Baths ⋅ 7146373 MLS

Welcome home to this 3-bedroom, 2-bath home in Clearwater, offering a comfortable layout with many updates already in place. New carpet throughout the upper level and fresh interior paint add to the move-in-ready appeal. The upper level brings together the living room, kitchen and dining area, along with two bedrooms and a full bath. The walkout lower level offers a large family room, third bedroom, full bath and laundry area, providing plenty of additional living space. Recent mechanical improvements include a newer water heater, furnace servicing, and updates to the central air system. The 2-car attached garage is insulated, heated and finished, and the 10' x 10' backyard shed provides additional storage. Located near the Mississippi River, parks, dining and shopping, plus easy access to I-94 for commuting to St. Cloud or the Twin Cities. Come take a look and see all this Clearwater home has to offer!

710 Main Street, Clearwater

Listing courtesy of RE/MAX Advantage Plus.

$379,900

3 Beds ⋅ 2 Baths ⋅ 7145297 MLS

Check out this beautiful and spacious rambler with a lot and view too good to be true! The curb appeal of this home is second to none! Boasting 3 BR and 2 BA, AND an insulated and heated 3 stall garage. this house is pure comfort and utility. Unfinished basement leaves open the possibility of 2 more bedrooms, a bath, and family room. Lower-level walkout means easy access to the backyard and endless patio/outdoor kitchen possibilities. All living materials on one level add to the appeal of the home for people of any age. Built in 2020, the house feels brand-new. Only quality building materials were used, including stone on the exterior and LVL flooring and stone countertops inside. With remote work being an option these days, this home also can easily accommodate several offices. Situated to the back in this beautiful new development, there is very little traffic. It’s the perfect place for kids to play in the front and back yard (backyard sledding fun)!. Great location … close to Clearwater, St Cloud, or a quick run into the Twin Cities Metro!

837 10th Street, Clearwater

Listing courtesy of Century 21 First Realty, Inc..

$285,000

1 Beds ⋅ 1 Baths ⋅ 7144330 MLS

TOO QUIET FOR YOU HERE? Tucked off the beaten path sits this quaint little summer cabin on a private idyllic setting only 10 minutes off I94 in Clearwater. Spend summers on Fish Lake at your get away from the hustle & bustle of city life. Enjoy daytime on the water then grill your favorite meal on the deck and wrap up with s’mores by the fire. The cabin has nice appliances and granite countertops. A knotty-pine interior gives you the up-north feeling and the patio door gives you sunlight and views of the lake. A nice sized bedroom will allow for more than bunk-beds but there is room for a pullout couch or futon. Newer flooring & a 10x12 shed for storage with electric and security. Lovely landscaping with perennials galore bring in the birds and butterflies. Roof is newer, siding and windows are good, Daikin mini split for heat and cooling & the cabin has a security system. A grinder-pump septic is on the property but there is no well so the seller is including two lots where a well is possible. Plenty of summer and fall to enjoy yet in 2026 so GET THERE FAST THEN TAKE IT SLOW.

15780 Griffith Avenue NW, Clearwater

Listing courtesy of Patriots Choice Realty.

$320,000

2 Beds ⋅ 2 Baths ⋅ 7141823 MLS

Looking for more space without giving up a convenient location? This charming 1.5-story home sits on an almost half-acre lot and offers a rare combination of outdoor space, future potential, and a large detached 3-stall garage. Whether you need room for vehicles, recreational equipment, or additional storage, this garage delivers the flexibility that is hard to find. Inside, the home features 2 bedrooms, 2 bathrooms, beautiful hardwood floors, and low-maintenance vinyl windows. Step outside onto the expansive deck, offering plenty of room to grill, entertain, or simply relax and enjoy the outdoors. The home was moved onto the property, at which time the electrical and plumbing systems throughout the home were updated. The unfinished lower level already includes egress windows and provides excellent storage along with exciting possibilities for additional finished living space. Conveniently located in Clearwater with quick access to I-94 and Highway 24, the property offers an easy connection to St. Cloud, Monticello, and surrounding communities. With nearly half an acre, a huge deck, large 3-stall garage, and room to add value, this property is packed with potential and ready for its next owner!

435 Bluff Street, Clearwater

Listing courtesy of SODL.

$359,900

3 Beds ⋅ 2 Baths ⋅ 7141558 MLS

We have a spacious rambler with single-floor living, perfect for family time. The master bedroom offers ample space, a walk-in closet, and a master bathroom. The walkout basement can be finished to add two more rooms and a bathroom, making it a 5-bedroom, 3-bathroom home. This home is available due to the seller relocating closer to family.

1029 Nicole Avenue, Clearwater

Listing courtesy of RE/MAX Advantage Plus.

$350,000

5 Beds ⋅ 3 Baths ⋅ 7139583 MLS

Opportunity awaits on nearly 10 acres! This 5-bedroom, 3-bath timber-frame home offers plenty of space and potential for the right buyer ready to bring it back to life. The property also features a 32x26 shop, providing great space for storage, projects, or equipment. The home is in need of significant repairs and updates, including electrical, furnace, and plumbing work, making this a great opportunity for an investor, contractor, or buyer looking for a project. Roof And Windows are 15 years old. With acreage, a spacious home, and a shop already in place, there’s plenty of room to make this property your own!

3054 181st Street, Clearwater

Listing courtesy of Morgan & Co..

$400,000

5 Beds ⋅ 3 Baths ⋅ 7137838 MLS

Space to grow, room to gather, and an incredible backyard made for enjoying life—this 5-bedroom, 3-bath home truly has it all! From the moment you step inside, you’ll love the fresh, modern feel created by newer vinyl plank flooring and thoughtful updates throughout. At the heart of the home, the spacious kitchen shines with beautiful granite countertops and plenty of room for everything from busy weekday mornings to hosting family and friends. Granite finishes continue into the bathrooms, adding an elevated touch throughout the home. The main level offers the convenience of three bedrooms on one level, including a private primary suite with a generous walk-in closet and its own 3/4 bath. Head downstairs and discover even more living space with two additional bedrooms, including one featuring stylish barn doors and direct walkout access to the backyard. With so much flexibility, there’s plenty of room for guests, a home office, playroom, workout space, or whatever fits your lifestyle. Modern convenience continues with an installed Control4 smart-home system, allowing you to control the window blinds right from your phone—an effortless touch of technology that makes everyday living just a little more luxurious. And just wait until you step outside! The fully fenced backyard is built for entertaining, featuring a maintenance-free deck, expansive concrete patio, privacy fencing, and built-in speakers—creating the perfect setting for summer barbecues, evenings around the fire, or simply relaxing in your own private retreat. An irrigation system helps keep the yard looking its best all season long. Even the garage delivers! The finished, insulated, and heated 3-stall garage features sleek epoxy floors, while an additional concrete side pad with a 50-amp hookup provides an ideal spot for a camper, recreational toys, or extra vehicles. Outdoor and garage cameras provide an added layer of convenience and peace of mind. With five bedrooms, three bathrooms, smart-home technology, incredible indoor and outdoor living spaces, and upgrades from top to bottom, this home offers the space you want, the features you’ll love, and plenty of room to grow. Come see it for yourself and imagine what your next chapter could look like here!

1024 Nicole Avenue, Clearwater

Listing courtesy of RE/MAX Results.

$324,900

2 Beds ⋅ 1 Baths ⋅ 7137666 MLS

Affordable new construction in the heart of Clearwater! Conveniently located near restaurants, shopping, schools, & everyday amenities. Scheduled for completion by late October, w/ time remaining for buyers to customize selections & finishes throughout the home. This thoughtfully designed home features an open-concept floor plan w/ vaulted ceilings in the main living area, a spacious primary suite w/ a walk-in closet, & comfortable living spaces throughout. Situated on a large corner lot surrounded by mature trees, offering a beautiful setting & added privacy. Don't miss this opportunity to make this brand-new home your own!

980 Porter Street, Clearwater

Listing courtesy of Haller Realty Inc..

$290,000

2 Beds ⋅ 2 Baths ⋅ 7123262 MLS

This low-maintenance townhome offers modern updates where it counts. Walk in and you'll immediately notice the nicely updated LVP flooring. The kitchen is where this home really shines with updated countertops, tons of cabinet space, and plenty of room to actually work while you cook. The peninsula has bar seating too, so it's an easy spot to grab coffee or hang out while dinner's going. Off of the dining area you'll find a patio for grilling or just sitting outside, and there's a sunroom that adds a nice bonus living space with great natural light. The primary bedroom doesn't skimp either with a big walk-in closet and its own full bathroom. There's a second bedroom too, so you've got options for guests, an office, whatever you need. Both bathrooms have been updated with quartz counters, tiled flooring and the guest bathroom has a custom tiled shower! The laundry/mudroom even has an extra wash sink. Out front, a spacious porch gives you another spot to enjoy being outside. In addition to the offerings of the home, the association provides a community space, bocce ball court, horseshoe pits and a pool!

193 Goldfinch Lane, Clearwater

Listing courtesy of Central MN Realty LLC.

$309,900

3 Beds ⋅ 3 Baths ⋅ 7121306 MLS

Discover the perfect blend of style, comfort, and value in this beautifully designed two-story home. Filled with natural light, the thoughtfully designed floor plan offers three spacious bedrooms on the upper level, along with the convenience of an upstairs laundry room. The private primary suite is a true retreat, featuring an en suite bath and two generous walk-in closets. The main level is ideal for both everyday living and entertaining, showcasing an open-concept layout with seamless flow between the living room, dining area, and kitchen. The kitchen offers a large center island, a cozy breakfast nook, abundant cabinetry, and the unique opportunity to select your own appliances to match your personal style. Luxury vinyl plank flooring adds durability and elegance throughout the main level, while plush carpeting creates warmth and comfort upstairs. Quartz countertops, along with stunning African Sapele doors and trim, provide upscale finishes that set this home apart. Completing the package is a fully insulated attached garage—including the overhead door—offering year-round comfort and energy efficiency. This home combines modern finishes, functional design, and exceptional value, making it one you won't want to miss. Schedule your showing today!

438 Prairie Street, Clearwater

Listing courtesy of Freedom Realty.

$293,500

2 Beds ⋅ 2 Baths ⋅ 7082844 MLS

Enjoy easy one-level living in Clearwater Estates. This 2 bedroom, 2 bathroom townhome offers vaulted ceilings, an open floor plan, and a spacious sunroom filled with natural light. The kitchen features painted cabinetry, updated countertops, stainless steel appliances, hardwood floors, and a large center island with seating. Updated vinyl flooring extends through the living and dining areas, creating an inviting space for everyday living and entertaining. The sunroom walks out to a wrap-around deck overlooking mature landscaping and flowering shrubs. A separate laundry room with sink, storage cabinets, and coat closet adds convenience, while the primary suite offers a private ¾ bath and generous closet space. Residents enjoy access to community amenities including a clubhouse, in-ground pool, bocce courts, and community property along the Mississippi River for walking, fishing, and picnics. Golf-cart friendly neighborhood with easy access to I-94, shopping, dining, and The Preserve Disc Golf Course.

146 Bluebird Lane, Clearwater

Listing courtesy of Keller Williams Classic Rlty NW.

$285,000

2 Beds ⋅ 2 Baths ⋅ 7072849 MLS

Updated 2-bed, 2-bath Clearwater Estates patio home featuring 1,420 sq ft of true one-level living. This immaculate home boasts an open-concept layout, natural light, updated flooring and baths, a kitchen with SS appliances, a functional island and ample storage. Large MF primary suite with walk-in closet and shower. A spacious living area opens to a MF deck. Enjoy top-notch association perks: clubhouse, exercise room, outdoor pool, and parkland overlooking the Mississippi River. Quick close is available!

160 Cardinal Lane, Clearwater

Listing courtesy of Edina Realty, Inc.

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