Saint Cloud Homes under $400,000

Welcome to Saint Cloud, Minnesota, a vibrant city that beautifully melds small-town charm with urban conveniences. Nestled along the banks of the Mississippi River, Saint Cloud is known for its picturesque parks, rich history, and a thriving arts scene. With a population of around 68,000 residents, this welcoming community offers a perfect balance of outdoor adventure and cultural experiences.

One of the highlights of Saint Cloud is its stunning natural landscapes. The city boasts an array of parks and recreational areas, including the popular Munsinger Gardens and Clemens Gardens, which are perfect for leisurely strolls or family picnics. For those who enjoy outdoor activities, the nearby Lake George and the Mississippi River provide ample opportunities for fishing, boating, and hiking.

When it comes to housing, Saint Cloud is an ideal destination for first-time homebuyers and families looking for affordability without sacrificing quality of life. The real estate market here features a variety of homes under $400,000, making it accessible for individuals and families alike. Whether you’re searching for a cozy single-family home, a charming townhome, or a spacious property with room to grow, Saint Cloud has something to suit every taste and budget.

With its friendly atmosphere, strong community ties, and diverse housing options, Saint Cloud is not just a place to live; it's a place to thrive. Discover your dream home in this delightful Minnesota city and experience all that Saint Cloud has to offer!

Newest Saint Cloud Homes under $400,000

$230,000

3 Beds ⋅ 2 Baths ⋅ 7149337 MLS

Welcome home to this amazing opportunity right in the heart of Saint Cloud. This home is waiting for you to add your finishing touches and really make it your own. The corner lot, garage space and deck make it easy and fun to entertain friends and family. There is currently a 4th non-conforming bedroom, that could easily be finished by adding a proper door. The opportunities are endless, don't wait to schedule a showing.

1000 14th Street S, Saint Cloud

Listing courtesy of Keller Williams Preferred Rlty.

$379,900

2 Beds ⋅ 2 Baths ⋅ 7147928 MLS

Meticulously maintained and spacious 2+ bedroom, 2-bath patio home in popular Angushire Meadows. 1,978 finished sq ft of comfortable, single-level living. The great-room style living area features a Gas FP and easy flow into the dining space. Sunroom sitting area provides year-round cozy space. The extra-large primary suite stands out with a generous walk-in closet plus a separate cedar closet is a rare bonus. The second bedroom and den include beautiful built-in cabinetry. The den could be modified for 3rd BR. Enjoy comfort with zoned in-floor heat paired with forced air/central AC. The insulated, heated, and air-conditioned garage offers ideal year-round convenience. Recent updates include a concrete driveway (2020), garage door (2018), and roof (2022). Located in a well-kept, quiet community close to parks, shopping, and everyday amenities, this home delivers the low-maintenance lifestyle buyers love without sacrificing space, storage, or quality. A rare opportunity in Angushire Meadows. Come experience the care and comfort this home offers.

4235 4th Street S, Saint Cloud

Listing courtesy of Bridge Realty, LLC.

$175,000

5 Beds ⋅ 2 Baths ⋅ 7152680 MLS

New Roof September 2026. Make this your own home, or consider this Prime Rental Opportunity Near SCSU 5 Bed | 2 Bath | Licensed for 4 Bedrooms Excellent opportunity to own a well-located rental property just minutes from St. Cloud State University. This 5-bedroom, 2-bath home is currently licensed for 4 bedrooms and generates $1,875 per month in rental income. The home features four upper-level bedrooms, a spacious living room with hardwood floors, and newer flooring in the kitchen and dining area. A separate basement entrance adds flexibility for tenants or future use. Outside, the property offers ample off-street parking plus a large detached garage with a loft area, providing abundant storage space. Tenants are responsible for gas and electric, while the owner pays water, sewer, and garbage, keeping operating expenses manageable. With its layout and location, this property also offers the potential to transition back to a single-family home once the current lease expires. Current Lease in place until April 2027.

511 6th Avenue S, Saint Cloud

Listing courtesy of VoigtJohnson.

$329,900

3 Beds ⋅ 3 Baths ⋅ 7153525 MLS

Situated on a generous corner lot, this beautifully maintained 3-bedroom (plus office), 3-bath rambler offers main floor living & comfortable living spaces and plenty of room to expand. The unfinished 38X24 lower level is ideal for storage and offers the potential for additional finished living space! The kitchen offers plenty of functionality with stainless steel appliances, granite countertops, a center island, and convenient pull-out pantry drawers. It is open to the dining and living areas, creating a comfortable, connected space. Skylights bring in an abundance of natural light, while six-panel doors and other quality details add to the home's appeal. The spacious primary suite offers a private retreat complete with a walk-in closet and full private bath. The primary bath features a jetted tub, dual sinks, tile shower and flooring, and the added comfort of in-floor heat. Enjoy outdoor living on the new stamped concrete patio and sidewalk added in 2020. A sprinkler system and private well are available for irrigation. The insulated garage and insulated garage door provide added comfort and efficiency + a storage shed. Numerous updates were completed in 2024, including new shingles, gutters, skylights, and insulated garage door, providing peace of mind for the next owner. Conveniently located near the St. Cloud Country Club, Beaver Island Trail, and the Mississippi River, with easy access to I-94.

802 Aldon Drive, Saint Cloud

Listing courtesy of Agency North Real Estate, Inc.

$300,000

4 Beds ⋅ 2 Baths ⋅ 7083180 MLS

5850 Rolling Ridge Road, Saint Cloud

Listing courtesy of RE/MAX Advantage Plus.

$229,000

3 Beds ⋅ 2 Baths ⋅ 7153988 MLS

Beautifully remodeled rambler blending classic charm with fresh, modern finishes! The spacious, sun-filled living room features large windows, wood-look flooring, and an inviting fireplace. The updated kitchen showcases white cabinetry, contrasting black hardware, sleek countertops, stainless steel appliances, and a coordinating black faucet. Neutral paint, crisp white trim, updated lighting, and soft bedroom carpeting create a cohesive feel throughout. Mature trees, refreshed landscaping, and an attractive front entry add welcoming curb appeal. Conveniently located near South Junior High School, with McKinley Park and Lake George/Eastman Park nearby for outdoor recreation. Enjoy easy access to St. Cloud State University, Munsinger and Clemens Gardens, and downtown St. Cloud’s dining, shopping, and entertainment. A beautifully refreshed home with convenient access to everyday amenities and local attractions! Contract for deed available as well on case to case basis.

1020 15th Avenue S, Saint Cloud

Listing courtesy of Pemberton RE.

$150,000

3 Beds ⋅ 2 Baths ⋅ 7153460 MLS

Enjoy comfortable, low-maintenance living in this nicely updated 3 bedroom, 2 bath townhome. Offering 1,390 square feet, it is one of the largest units in the eight-unit buildings. The spacious primary suite features a private 3/4 bath and walk-in closet. New flooring and lighting, along with updated kitchen appliances, give the home a fresh, welcoming feel. Come home, settle in, and enjoy more time for what matters most!

1539 14th Street SE, Saint Cloud

Listing courtesy of Edina Realty, Inc.

$379,900

5 Beds ⋅ 3 Baths ⋅ 7153356 MLS

Beautifully updated in 2026, this meticulously maintained two-story home is located at the end of a cul-de-sac in a popular south St. Cloud neighborhood, conveniently located near I-94! Major updates completed this year include a new roof, almost entirely new flooring including beautiful laminate wood floors throughout the main-level great room, new carpet throughout the upper level and the basement bedrooms, new flooring in the laundry room and all bathrooms, plus fresh paint. The open main floor features a stylish kitchen with vaulted ceiling, white painted cabinetry, granite countertops and tile backsplash, flowing into the spacious dining area and living room with an updated surround on the corner gas fireplace. Maple woodwork, main-floor laundry and a 3/4 bath add to the functionality. Upstairs are three bedrooms, including a spacious primary suite with private bath featuring dual vanities, separate tub and shower, plus a walk-in closet with organizers. The walkout lower level adds a family room with direct access to the large backyard, two additional bedrooms and a rough-in for a future bathroom. You will love the oversized nearly 1,000-square-foot heated garage, offering an exceptional amount of space for vehicles, storage and hobbies. With extensive 2026 updates, a spacious and versatile floor plan, and a desirable cul-de-sac setting, this home is truly move-in ready!

1529 Camden Woods Terrace, Saint Cloud

Listing courtesy of Agency North Real Estate, Inc.

$399,900

4 Beds ⋅ 4 Baths ⋅ 7152405 MLS

Spectacular two-story home on a beautifully manicured lot in the popular Goetten’s Addition of southern St. Cloud! The main level offers an exceptional layout centered around a huge 18x12 kitchen featuring a large center island, abundant cabinetry, granite countertops and stainless steel appliances. The spacious great room combines generous dining and family room areas, with a gas fireplace in the family room, while the kitchen and dining area walk out to a large deck overlooking the picturesque backyard. Also on the main level are a formal dining room, the bright front living room with large south-facing windows and beautiful real hardwood floors, plus a convenient main-floor laundry. Upstairs are three bedrooms, including a spacious primary suite with tile shower, separate tub and dual vanities, along with a full hall bath featuring an updated tile surround. The bright lookout lower level adds a large family room with gas freestanding fireplace, recreation room area and fourth bedroom. Outside, enjoy the attractive exterior, manicured yard and oversized 24x34 garage. A beautifully maintained home offering spacious living areas, quality finishes and a great location!

2005 Prairie Hill Road, Saint Cloud

Listing courtesy of Agency North Real Estate, Inc.

$329,900

4 Beds ⋅ 3 Baths ⋅ 7153243 MLS

Welcome to 5524 Knollwood Dr! This amazing 4 BR 3 Bath ranch home has new roof, furnace and AC, and has an awesome sun room with gas fireplace! With almost 3000 finished SQFT, there is plenty of room. This home is located in a great location with park in the back yard.

5524 Knollwood Drive, Saint Cloud

Listing courtesy of Purpose Driven Realty, LLC.

$349,900

3 Beds ⋅ 3 Baths ⋅ 7141271 MLS

Welcome to this charming 3-bedroom, 3-bath home in a great location, directly across the street from a park and just a few blocks from St. Cloud Hospital, with convenient access to shopping, schools, restaurants, and more. Beautiful hardwood floors, a cozy fireplace, and a bright sunroom add character throughout the home. The kitchen features stainless steel appliances and a built-in dining nook, perfect for everyday meals. Upstairs offers two spacious bedrooms and an updated full bathroom with a large soaking tub. The lower level features a private primary bedroom with its own updated bathroom, or use the space as a second living room, home office, or flex space to fit your needs. Outside, enjoy the paver stone patio and backyard, perfect for relaxing or entertaining. The property also offers plenty of garage space with an attached one-stall garage plus a detached two-stall garage featuring additional workbench space. A well-located home with classic character, flexible living spaces, and plenty of garage and storage space.

909 6th Avenue N, Saint Cloud

Listing courtesy of VoigtJohnson.

$219,900

4 Beds ⋅ 2 Baths ⋅ 7149318 MLS

Beautifully maintained and nicely updated, this spacious turn-of-the-century two-story offers an open floor plan, generous room sizes, and plenty of charm and character throughout, and an attached garage! The main level welcomes you with a comfortable sitting room that flows into the formal dining area and then into the spacious living room, all enhanced by 9-foot ceilings and great natural light. The bright, open kitchen features a large center island, a massive window, and additional cabinet and counter space. Upstairs, you’ll find four generously sized bedrooms on the same level, including one with access to a covered balcony. Recent updates include flooring, carpet, fresh paint, and refreshed vanity tops. Large windows and solid paneled doors add to the home’s character, while the convenient laundry room offers cabinets and counter space for folding. Additional highlights include maintenance-free vinyl windows, an inviting covered wrap-around deck, and an attached two-car garage with built-in overhead storage racks. Conveniently located close to parks, schools, shopping, and more.

705 14th Avenue S, Saint Cloud

Listing courtesy of RE/MAX Results.

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