Stearns County Homes under $400,000

Welcome to Stearns County, a hidden gem nestled in the heart of Minnesota, where picturesque landscapes meet vibrant communities. Known for its charming small towns and rich agricultural heritage, Stearns County offers an inviting atmosphere for families, retirees, and everyone in between. With its stunning lakes, lush parks, and abundant recreational activities, residents enjoy a perfect blend of nature and modern living.

Stearns County is home to several vibrant communities, including St. Cloud, Sartell, and Waite Park, each offering unique amenities, local shops, and delightful dining options. The county is also known for its excellent school districts, making it an ideal place for families looking to settle down. Whether you’re exploring the scenic trails of the Quarry Park and Nature Preserve or enjoying the cultural offerings at the Paramount Center for the Arts, there’s always something to do in this lively region.

For those seeking affordable housing options, Stearns County boasts an impressive selection of homes priced under $400,000. From charming single-family residences to modern townhomes, there’s a diverse array of properties that cater to various lifestyles and budgets. Many homes feature spacious yards, updated interiors, and proximity to local amenities, ensuring that residents can enjoy both comfort and convenience.

Investing in a home in Stearns County means embracing a community that values connection, quality of life, and the beauty of nature. With its affordable housing market and vibrant local culture, Stearns County is the perfect place to call home. Discover your dream home today and experience the warmth and charm of this wonderful Minnesota county!

Newest Stearns County Homes under $400,000

$274,898

3 Beds ⋅ 2 Baths ⋅ 7143722 MLS

Professional photos available on October 6th. Welcome to effortless living in the heart of Sartell! This well maintained tri-level home combines low maintenance comfort with a prime location, backing right up to the peaceful greens of Three Tees Golf Course and just minutes from top-rated schools, park, and shopping. Inside, the open concept main level creates an inviting space for daily living and easy entertaining. The home features three generous bedrooms, two of which include large walk-in closets, along with two bathrooms. Enjoy complete peace of mind knowing all of the major big-ticket items have been recently updated, including a new roof, siding, gutters, and exterior lighting installed in 2022, a clothes washer and dryer in 2022, plus a new furnace, central air conditioner, water softener, and deck door all installed in 2020. Say goodbye to tedious weekend chores, as the nominal HOA fee covers lawn care, snow removal, sprinkler system operation and maintenance, and garbage service, letting you spend more time relaxing and enjoying your surroundings. This turnkey home offers comfort, convenience, and location.

27 Pine Tree Court, Sartell

Listing courtesy of RE/MAX Results.

$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.

$224,900

3 Beds ⋅ 2 Baths ⋅ 7154103 MLS

Welcome to this well-cared-for rambler in the heart of Waite Park! Step inside to a comfortable and inviting layout designed for easy everyday living. The main level features two bedrooms, an inviting living room, and a large kitchen. Downstairs, the newly finished lower level adds even more living space, complete with an additional bedroom and 3/4 bathroom. Outside, you’ll appreciate the spacious attached garage, along with an oversized detached garage in the backyard. Offering plenty of room for extra storage, hobbies, or a workshop.

216 2nd Avenue N, Waite Park

Listing courtesy of Morgan & Co..

$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.

$364,900

5 Beds ⋅ 3 Baths ⋅ 7153245 MLS

Space, style, and a setting you’ll love! This well-maintained home offers plenty of room to spread out with up to 5 bedrooms and an abundance of comfortable living space throughout. Step outside from the deck and enjoy a mature, beautifully established yard that backs up to a green space and pond, complete with walking trails right nearby. Inside, you’ll find an inviting layout filled with natural light, attractive finishes, and a warm, welcoming feel. The kitchen is sure to impress with a center island, raised-panel cabinetry, and a cozy breakfast nook. The primary suite features a spacious closet and private bathroom, while the lower level provides even more living space along with a fireplace—perfect for relaxing or entertaining. Well cared for and thoughtfully maintained, this home offers space, privacy, and a great location at an appealing price!

1024 4th Street N, Sartell

Listing courtesy of Premier Real Estate Services.

$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 comfortable living spaces and plenty of room to expand. The unfinished 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. 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.

$305,000

3 Beds ⋅ 2 Baths ⋅ 7152933 MLS

Welcome to 1104 E Able Street in desirable St. Joe! This 3-bedroom, 2 bath bi-level home has the comfort and features you are looking for. The upper level boasts a large living room and kitchen area that opens up to the brand-new maintenance free deck. There are 2 bedrooms on the upper level and a full bathroom. The lower level will impress with an updated shiplap wall with TV mount and electric fireplace. There is a bar for entertaining along with bar stools and mini fridge ready for your friends and family to gather. An additional bedroom and full bathroom with tile surround complete the lower level. The attached 2 stall, heated garage is perfect for the upcoming cold months. There is an additional parking pad alongside the garage for added outdoor space. Other amenities include in-ground sprinkler with sandpoint well, updated fixtures and a garden shed for extra storage.

1104 E Able Street, Saint Joseph

Listing courtesy of Central MN Realty LLC.

$389,900

3 Beds ⋅ 3 Baths ⋅ 7153008 MLS

Welcome to a home where meticulous maintenance meets thoughtful design. This impressive 3-level split sits on a generous 0.35-acre lot, offering a move-in-ready aesthetic and custom features that are evident the moment you step inside. The open floor plan creates a seamless flow through the main living areas, anchored by a kitchen that is as functional as it is beautiful. You’ll love the granite countertops, the high-end 5-burner gas range, and a pantry equipped with custom pull-out drawers that make organization a breeze. The layout is designed for comfort and versatility, featuring three bedrooms and two and a half bathrooms. The primary bedroom serves as a true retreat, offering generous proportions and a large walk-in closet that provides ample space for any wardrobe. A dedicated office offers the perfect workspace, though it could easily be converted into a fourth bedroom by removing the built-ins and adding a closet. For relaxation, head to the lower level where a cozy fireplace serves as the centerpiece of the family room, creating an inviting atmosphere for chilly evenings. One of the standout custom elements of this home is the sheer amount of storage; from clever cabinetry to abundant closet space, there truly is a place for everything. The transition to outdoor living is effortless via the maintenance-free deck, which serves as a fantastic space for enjoying the fresh air. The three-stall garage is a dream—fully insulated, heated, and ready for year-round use—and is perfectly complemented by a dedicated storage shed for lawn equipment and extra tools. Located in a fantastic Sartell area close to schools, this property is perfectly situated for those who love the outdoors, with lush woods and scenic walking paths just across the road. Every inch of this property has been cared for with pride, offering a polished, custom living experience in a location that puts everything you need within easy reach.

424 7th Avenue N, Sartell

Listing courtesy of Coldwell Banker Realty.

$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.

$379,900

2 Beds ⋅ 2 Baths ⋅ 7153791 MLS

Welcome to a very private 3 acres located on the edge of the City of St. Joseph. This is a spacious walk-out rambler with a large heated pole shed. (28' x 46') This is a unique property with lots of potential uses. The seller previously used the main level as a salon and photography studio. The main level has a commercial finish remaining with reception area, changing rooms, and salon area. This could be converted back to single-family living. The lower level has a single family living space with 2 bedrooms, 1-bathroom, kitchen and living areas. This spacious rambler could be used for an in-home business with living quarters in the basement, converted back to full living quarters on both levels or a combination of both. This might be a nice remodel investment property for the right buyer. The city currently has this property zoned for residential use. The driveway comes directly off of County Road 75. Property consists of two 2 parcels. 1 - 3.0 acre, 1 - .37 acre.

8551 County Road 75, Saint Joseph

Listing courtesy of RE/MAX Results.

$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.

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