Cold Spring Homes under $400,000

Welcome to Cold Spring, Minnesota – a hidden gem nestled in the heart of Stearns County! This charming city is renowned for its warm community spirit, picturesque landscapes, and a rich history that dates back to the mid-1800s. With a population of just over 4,000 residents, Cold Spring offers a delightful blend of small-town charm and modern conveniences, making it an ideal place for families, retirees, and everyone in between.

One of the standout features of Cold Spring is its stunning natural beauty. The city is surrounded by lush parks, serene lakes, and scenic trails that provide ample opportunities for outdoor recreation. Whether you enjoy hiking, fishing, or simply taking a leisurely stroll, Cold Spring has something for everyone. The vibrant downtown area is dotted with local shops, restaurants, and community events that foster a strong sense of belonging.

For those looking to settle down in this idyllic locale, Cold Spring boasts an impressive selection of homes priced under $400,000. From cozy single-family residences to charming townhouses, there’s a diverse range of options to suit various lifestyles and budgets. These homes often feature spacious yards, modern amenities, and easy access to the city’s many attractions.

With its affordable housing market, welcoming community, and beautiful surroundings, Cold Spring is more than just a place to live; it’s a place to thrive. Discover your dream home in this delightful city and experience all that Cold Spring has to offer!

Newest Cold Spring Homes under $400,000

$324,900

2 Beds ⋅ 2 Baths ⋅ 7152924 MLS

2-bedroom 2 bath open concept patio home in a prime location on the River Oaks Golf Course. Open concept living with spacious kitchen, oversized bedrooms, primary ensuite with laundry, in floor heat, patio, nice overflow space in the heated garage for holidays and can accommodate a family of 20~! Quiet, friendly neighborhood located on a cul du sac.

226 Golf Court, Cold Spring

Listing courtesy of Northland Sotheby's International Realty.

$345,000

3 Beds ⋅ 2 Baths ⋅ 7153218 MLS

Welcome to this beautifully maintained 3-bedroom, 2-bathroom home nestled in the heart of Cold Spring. Featuring a thoughtfully designed layout, this home offers both comfort and functionality. Step inside to find a bright and inviting living space with large windows that bring in plenty of natural light. The open-concept kitchen and dining area provide the perfect setting for gatherings, with ample cabinet space and modern appliances. The upper level boasts two spacious bedrooms and a full bathroom, while the lower level offers a cozy family room, an additional bedroom, and another full bath, and sauna. Outside, you'11 enjoy a generous backyard with room for outdoor activities, in ground sprinklers, and a no maintenance deck for relaxing or entertaining. Located in a peaceful neighborhood near Pioneer park, Springer Field, the local sledding hill, and so much more, this home is a must-see. Don't miss your chance to make it yours schedule a showing today!

100 13th Avenue N, Cold Spring

Listing courtesy of Bridge Realty, LLC.

$350,000

2 Beds ⋅ 2 Baths ⋅ 7143604 MLS

Looking for your ideal single-level home? This charming home is sure to impress. Located in the idyllic North Pointe neighborhood of Cold Spring, this 2 bedroom, 2 bathroom home features a thoughtful layout with zero interior or exterior steps for accessible living. You'll find heated floors throughout, vaulted ceilings, a gas fireplace and a convenient main floor laundry room with ample storage. The primary bedroom includes a generous walk in closet and an ensuite bathroom. Outside you'll find mature trees, green space and a back patio ready for hosting. Enjoy peace of mind as the HOA maintains lawn care, snow removal and the in ground irrigation system. Complete with a finished 2 car garage, this home is ready for you!

412 15th Street N, Cold Spring

Listing courtesy of Compass.

$359,000

4 Beds ⋅ 2 Baths ⋅ 7141331 MLS

Discover the perfect blend of iconic mid-century architecture and thoughtful modern updates in this custom home. The updated kitchen flows seamlessly into the living room, where a gas fireplace sets a warm, welcoming tone for everyday living. Host unforgettable gatherings in the large formal dining area, anchored by a classic wood-burning fireplace full of character. The main-floor family room offers a true showstopper: an indoor grill paired with a cozy wood stove, ideal for entertaining year-round. Step through the large sliding doors to a spacious patio, made for outdoor dining and get-togethers. Location is unbeatable; this home backs directly to Pioneer Park, putting a volleyball court, skate park, playground, and ball park just steps from your backyard. Both bathrooms have been completely renovated with a fresh, modern touch. The finished lower level adds even more living space with a family room featuring a wet bar, a 4th bedroom, and a generous cedar closet for extra storage. Car and hobby enthusiasts will love the 4-stall tandem garage, insulated and heated, plus a lot that accommodates camper parking. Keep the lawn lush and green effortlessly with the underground sprinkler system. This one-of-a-kind home offers style, space, and an unbeatable location. Schedule your showing today!

817 3rd Street S, Cold Spring

Listing courtesy of Century 21 First Realty, Inc..

$290,000

3 Beds ⋅ 2 Baths ⋅ 7127291 MLS

Welcome to 317 9th Ave S in Cold Spring! This move-in ready rambler offers a great location and plenty of space inside and out. The main level features a bright living room, a spacious kitchen and dining area, and comfortable bedrooms, including a private bathroom in the primary suite. The finished lower level provides additional living space and walks out to a large patio and private backyard with mature trees, perfect for relaxing or entertaining. An attached, heated and insulated 2-stall garage adds even more convenience. Located in the ROCORI School District near the Chain of Lakes, golf courses, schools, restaurants, parks, and other local amenities. Come see everything this Cold Spring home has to offer!

317 9th Avenue S, Cold Spring

Listing courtesy of RE/MAX Results.

$299,000

3 Beds ⋅ 2 Baths ⋅ 7124047 MLS

Beautifully maintained and move-in ready one-story home with 3 bedrooms on the main level and plenty of flexible living space! The spacious great room addition is filled with natural light and features a cozy fireplace, creating a wonderful space to relax and entertain. The great room also offers convenient access to the patio and laundry area. The lower level provides even more living space with a versatile bonus room that could easily convert into a 4th bedroom - complete with egress window and closet. Nicely landscaped yard features an inground sprinkler system, concrete driveway and patio. A sandpoint well for watering saves on water expenses.

523 6th Ave N, Cold Spring

Listing courtesy of Central MN Realty LLC.

$314,500

3 Beds ⋅ 2 Baths ⋅ 7121941 MLS

NEW PRICE! Lots of space! 3 car garage! This move in ready 3 bedroom, 2 bath home offers over 2,100 finished square feet, a 3 car attached garage, finished lower level, and a spacious 0.30 acre lot in a convenient Cold Spring neighborhood. The comfortable, functional layout offers plenty of living space, while the finished lower level has a range of functional flexibility. A new oven, dishwasher, washer, and dryer are installed and included. The refrigerator and water heater have also been replaced within the last few years. Outside, enjoy a spacious backyard with mature trees and a low maintenance deck with ground access. The perfect environment for relaxing or hosting! If you want plenty of finished living space, a great yard, 3 car garage, and recent improvements without paying the premium for a completely remodeled home, 206 Rookery Dr deserves a look. Now vacant, move in ready, and available for a quick closing. Schedule your showing today!

206 Rookery Drive, Cold Spring

Listing courtesy of Savvy Avenue, LLC.

$379,999

6 Beds ⋅ 2 Baths ⋅ 7122285 MLS

Space, updates, and garage lovers—this is the one! This beautifully updated 6-bedroom, 2-bath home combines modern style with exceptional everyday functionality. The showstopping kitchen flows seamlessly into the main living area, creating the bright, open-concept layout today’s buyers love. Major updates include a brand-new furnace and central air conditioning system installed in 2026, beautifully renovated bathrooms on both the upper and lower levels, and new flooring throughout. With six bedrooms, there’s plenty of flexible space for a growing household, home office, workout room, or overnight guests. Car enthusiasts and hobbyists will love the incredible garage space: a 2-car attached garage plus an oversized, heated 2-car detached garage—perfect for projects, recreational toys, additional storage, or a year-round workshop. Ideally located near parks, schools, and downtown Cold Spring’s restaurants, shopping, entertainment, and community events, this rare home delivers the space, updates, and location you’ve been searching for. Don’t miss your opportunity—schedule your private showing today!

1003 2nd Street S, Cold Spring

Listing courtesy of Elevate Realty LLC.

$339,000

5 Beds ⋅ 2 Baths ⋅ 7118312 MLS

Beautiful 5-bedroom home in an ideal Cold Spring location! This well-built home features updated interior and quality construction. You'll also love the rare 5 garage spaces in 2 garages—perfect for vehicles, toys, a workshop, or extra storage. Recent updates include new Furnace and Water Heater. The backyard offers a spacious outdoor area to enjoy. Tarred entrances on both streets of this corner lot allows for "drive thru" drop off and pick up of passengers Located in the desirable ROCORI School District, this home is a fantastic opportunity for a growing family. Schedule your showing today—homes like this don't last long!

15 14th Avenue S, Cold Spring

Listing courtesy of Century 21 First Realty, Inc..

$348,500

1 Beds ⋅ 1 Baths ⋅ 7111984 MLS

A charming, peaceful retreat for every season and every reason! This immaculately maintained, year-round log-sided home sits on over an acre of premium, level lakeshore, offering breathtaking, panoramic views of Grand Lake. Inside, the home wraps you in warmth with beautiful knotty pine finishes throughout, perfectly balanced by the practical convenience of low-maintenance tile flooring across the main level. The heart of the home is a gorgeous kitchen complete with durable granite countertops, rich hickory cabinets, and a center island with seating for two. Dual patio doors open wide to a fabulous wrap-around patio, making indoor-outdoor entertaining a breeze. The main level also features a convenient 3/4 bath and a laundry room equipped with new appliances. Upstairs, you will discover a massive great room and primary bedroom suite that boasts spectacular elevated lake views and ample room to relax. This flexible space can easily be split into two separate bedrooms depending on your needs. Step outside to explore your private oasis, featuring beautiful perennial gardens, a serene creek view, and a massive storage shed for all your lake toys. Unwind after a long day on the water in your private lakeside sauna, upgraded with a brand-new heating system. Best of all, this secluded paradise offers the perfect blend of privacy and convenience, sitting within easy distance to several local shops and dining favorites. Major bonus Dock is also included and many of the furnishings will also be available.

21225 County Road 8, Cold Spring

Listing courtesy of Our Area Homes.

$275,000

4 Beds ⋅ 2 Baths ⋅ 7111739 MLS

Big, beautiful old house on a stately lot beside a ball field in a beautiful neighborhood, this classic home is ready to be your great love. Some spit. Some sweat. Some shine. It's a huge house on a huge lot surrounded by a Leave-it-to-Beaver episode of neighborhood awesome: parks, sidewalks, people running and walking and giving a wave because you look cool, too. That kid walking his dog with flyers in his hand. Easy stroll to the convenience store and across the street from the ball game. People cheering some kid, or that kid, or your kid or that dad star-playing for the softball league. It's in a good town. It's in a good neighborhood. It's one of a kind.

629 2nd Street S, Cold Spring

Listing courtesy of A Trompeter Realty.

$232,000

2 Beds ⋅ 2 Baths ⋅ 7090498 MLS

Is your current home just a little too much to handle? Not quite ready to feel older by moving to assisted living? This gem is the perfect opportunity to have the freedom to stay on your own, live comfortable and most of all...Affordable. 2 bedrooms, 2 baths and everything is on one level! New: paint, new flooring, blinds and lots of upgrades the last six years! Private patio surrounded by over 4 acres of pines. City living with a "country like feel". Wildlife out your door. 55 and older community. 16 units in this HOA.

912 3rd Street N Unit 7, Cold Spring

Listing courtesy of Century 21 First Realty, Inc..

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