Homes for sale under $400k in St. Cloud, MN

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NEW CONSTRUCTION

ABOUT THIS HOME
Homes for sale under $400k in St. Cloud, MN
High-quality Builder in this area!! You won't be disappointed in the quality of work & materials used in this New Const. 2-Story home. With custom cabinets, center island, granite tops throughout, walkout basement, three-car garage, concrete drive. Landscaping will be completed with sprinkler system. The views are peaceful whispering meadows, with spectacular sunrises & sunsets. A $100 association reserve is required at closing. $118 HOA fee is Monthly and includes lawn care, snow removal & sprinkler maintenance. Master Association covers maintaining the boulevards, trails, wetlands, and parks $250/Year. Taxes are on land value only.

$399,900

4 beds4 baths2,580 sq ft

971 45th Ave NE, Saint Cloud, MN 56304

Walkout basement • Custom cabinets • Granite tops

NEW CONSTRUCTION

ABOUT THIS HOME
Homes for sale under $400k in St. Cloud, MN
Don't miss your chance to own this beautiful home! With 5 bedrooms, and 3 baths finished, custom kitchen cabinets, corner pantry, family room in lower level, tons of storage and natural light - this home is one you don't want to miss!

$399,000

5 beds3 baths2,100 sq ft

4658 9th St NE, Saint Cloud, MN 56304

0.38 acre lot • 4 garage spots • Built 2025

ABOUT THIS HOME
Homes for sale under $400k in St. Cloud, MN
Come discover this beautiful 4-bedroom, 3-bathroom rambler, gracefully situated on a beautifully landscaped, nearly half-acre lot. Step inside to an inviting, open foyer and sitting area, where soaring ceilings fill the space with abundant natural light. The spacious kitchen and dining area are perfectly designed for all your entertaining needs. The lower level features a generously sized family area, offering ample space for relaxation and gatherings. Outside, you'll find a private, oversized yard, complete with a brand-new, expansive 34x19 patio area, pre-wired for a hot tub, along with a new oversized cement pad and a new garden shed. This home offers a perfect blend of comfort, style, a

$394,000

4 beds3 baths2,914 sq ft

1513 38th St S, Saint Cloud, MN 56301

0.43 acre lot • 3 garage spots • Built 1993

NEW CONSTRUCTION

ABOUT THIS HOME
Homes for sale under $400k in St. Cloud, MN
New construction rambler by local builder, Heartland Homes! Thoughtfully designed and beautifully finished, this home backs up to a serene wetland and wooded area, offering a private backyard setting you’ll love! Inside, the open concept main level features vaulted ceilings, neutral finishes, and all on one level living with 3 bedrooms, 2 bathrooms and main level laundry! The kitchen is a standout with quartz countertops, tile backsplash, a center island, painted cabinets and is nice and open to the vaulted dining space. The primary suite includes a private ¾ bath with a dual sink vanity, and a large walk-in closet! The walkout lower level is unfinished, offering plenty of room

$389,900

3 beds2 baths1,401 sq ft

4631 9th St NE, Saint Cloud, MN 56304

Quartz countertops • Walkout lower level • Tile backsplash

ABOUT THIS HOME
Homes for sale under $400k in St. Cloud, MN
Big Price Drop!!! Now is the time to make an Offer. Step into luxury and convenience with this stunning one-level home near Territory Golf Course. Built in 2024, this must see to appreciate home features a wide array of new build upgrades including: * Stunning granite counter tops and tile * Smart appliances (fridge, stove, washer/dryer) * Remote-operated blinds on upper windows & patio door * Custom blinds throughout * Added garbage disposal, gutters, and downspouts * Partial privacy fence added Don’t miss your chance to own this beautifully upgraded home in a prime location.

$388,900

3 beds2 baths1,564 sq ft

5376 Tee To Green St, Saint Cloud, MN 56304

Smart appliances • Garbage disposal • Privacy fence

Property at 5345 Sand Bunker St, Saint Cloud, MN 56304, 4 beds, 3 baths

$380,000

4 beds3 baths2,600 sq ft

5345 Sand Bunker St, Saint Cloud, MN 56304

Property at 642 Jenisa Dr, Saint Cloud, MN 56301, 2 beds, 2 baths

$379,900

2 beds2 baths1,863 sq ft

642 Jenisa Dr, Saint Cloud, MN 56301

Property at 1715 Hillcrest Rd, Saint Cloud, MN 56303, 4 beds, 3 baths

$369,900

4 beds3 baths2,487 sq ft

1715 Hillcrest Rd, Saint Cloud, MN 56303

Property at 5751 16th Ave SE, Saint Cloud, MN 56304, 3 beds, 2 baths

$369,900

3 beds2 baths1,564 sq ft

5751 16th Ave SE, Saint Cloud, MN 56304

Property at 1812 Maple Ln, Saint Cloud, MN 56304, 2 beds, 2 baths

$364,900

2 beds2 baths1,713 sq ft

1812 Maple Ln, Saint Cloud, MN 56304

Property at 605 7th Ave N, Saint Cloud, MN 56303, 5 beds, 2 baths

$364,900

5 beds2 baths2,917 sq ft

605 7th Ave N, Saint Cloud, MN 56303

Property at 2500 13th St S, Saint Cloud, MN 56301, 3 beds, 3 baths

$364,900

3 beds3 baths3,216 sq ft

2500 13th St S, Saint Cloud, MN 56301

Property at 4732 4th Street Loop NE, Saint Cloud, MN 56304, 4 beds, 3 baths

$364,000

4 beds3 baths2,406 sq ft

4732 4th Street Loop NE, Saint Cloud, MN 56304

Property at TBD Elbow Ln, St Cloud, MN 56303, 2 beds, 2 baths

$360,000

2 beds2 baths1,293 sq ft

TBD Elbow Ln, St Cloud, MN 56303

Property at 3185 Joyce St, Saint Cloud, MN 56303, 4 beds, 2 baths

$359,900

4 beds2 baths2,392 sq ft

3185 Joyce St, Saint Cloud, MN 56303

Property at 2556 14 1/2 Ave SE, Saint Cloud, MN 56304, 4 beds, 3 baths

$354,900

4 beds3 baths3,446 sq ft

2556 14 1/2 Ave SE, Saint Cloud, MN 56304

Property at 4634 9th St NE, Saint Cloud, MN 56304, 3 beds, 3 baths

$350,000

3 beds3 baths1,947 sq ft

4634 9th St NE, Saint Cloud, MN 56304

Property at 1699 39th St S, Saint Cloud, MN 56301, 2 beds, 1 bath

$349,900

2 beds1 bath1,060 sq ft

1699 39th St S, Saint Cloud, MN 56301

Property at 4653 8th St NE, Saint Cloud, MN 56304, 3 beds, 2 baths

$349,900

3 beds2 baths1,467 sq ft

4653 8th St NE, Saint Cloud, MN 56304

Property at 1404 Goettens Way, Saint Cloud, MN 56301, 3 beds, 2 baths

$344,900

3 beds2 baths1,770 sq ft

1404 Goettens Way, Saint Cloud, MN 56301

Property at 1335 Cooper Ave S, Saint Cloud, MN 56301, 4 beds, 4 baths

$344,900

4 beds4 baths3,350 sq ft

1335 Cooper Ave S, Saint Cloud, MN 56301

Property at 303 29th Ave SE, Saint Cloud, MN 56304, 3 beds, 2 baths

$344,900

3 beds2 baths1,534 sq ft

303 29th Ave SE, Saint Cloud, MN 56304

Property at 1517 Camden Woods Ter, Saint Cloud, MN 56301, 4 beds, 3 baths

$344,500

4 beds3 baths2,339 sq ft

1517 Camden Woods Ter, Saint Cloud, MN 56301

Property at 6 Clover Ct, Saint Cloud, MN 56301, 7 beds, 4 baths

$340,000

7 beds4 baths3,048 sq ft

6 Clover Ct, Saint Cloud, MN 56301

Property at 1541 Prairie Hill Rd, Saint Cloud, MN 56301, 3 beds, 4 baths

$339,900

3 beds4 baths2,630 sq ft

1541 Prairie Hill Rd, Saint Cloud, MN 56301

Property at 1508 Prairie Hill Rd, Saint Cloud, MN 56301, 4 beds, 2 baths

$339,000

4 beds2 baths1,853 sq ft

1508 Prairie Hill Rd, Saint Cloud, MN 56301

Property at 1930 Prospect Dr NE, Saint Cloud, MN 56304, 3 beds, 2 baths

$330,000

3 beds2 baths1,271 sq ft

1930 Prospect Dr NE, Saint Cloud, MN 56304

Property at 427 16th Ave N, Saint Cloud, MN 56303, 4 beds, 3 baths

$330,000

4 beds3 baths1,617 sq ft

427 16th Ave N, Saint Cloud, MN 56303

Property at 6046 18th St N, Saint Cloud, MN 56303, 3 beds, 2 baths

$329,900

3 beds2 baths2,519 sq ft

6046 18th St N, Saint Cloud, MN 56303

Property at 1820 Highland Trl, Saint Cloud, MN 56301, 4 beds, 3 baths

$325,000

4 beds3 baths2,362 sq ft

1820 Highland Trl, Saint Cloud, MN 56301

Property at 926 21st St SE, Saint Cloud, MN 56304, 4 beds, 3 baths

$319,900

4 beds3 baths1,940 sq ft

926 21st St SE, Saint Cloud, MN 56304

Property at 1631 Devon Rd, Saint Cloud, MN 56303, 4 beds, 2 baths

$319,900

4 beds2 baths1,998 sq ft

1631 Devon Rd, Saint Cloud, MN 56303

Property at 1403 8th Ave N, Saint Cloud, MN 56303, 3 beds, 3 baths

$319,000

3 beds3 baths2,525 sq ft

1403 8th Ave N, Saint Cloud, MN 56303

Property at 608 Oakwood Dr, Saint Cloud, MN 56304, 4 beds, 2 baths

$314,898

4 beds2 baths1,744 sq ft

608 Oakwood Dr, Saint Cloud, MN 56304

Property at 2513 13th Ave SE, Saint Cloud, MN 56304, 4 beds, 3 baths

$310,000

4 beds3 baths2,268 sq ft

2513 13th Ave SE, Saint Cloud, MN 56304

Property at 2318 10th Ave S, Saint Cloud, MN 56301, 4 beds, 3 baths

$309,900

4 beds3 baths2,881 sq ft

2318 10th Ave S, Saint Cloud, MN 56301

Property at 2421 Stearns Way, Saint Cloud, MN 56303, 4 beds, 3 baths

$309,900

4 beds3 baths2,818 sq ft

2421 Stearns Way, Saint Cloud, MN 56303

Property at 1403 Northway Pl, Saint Cloud, MN 56303, 4 beds, 2 baths

$309,900

4 beds2 baths2,102 sq ft

1403 Northway Pl, Saint Cloud, MN 56303

Property at 6629 Black Spruce St, Saint Cloud, MN 56303, 4 beds, 2 baths

$302,750

4 beds2 baths2,192 sq ft

6629 Black Spruce St, Saint Cloud, MN 56303

Property at 261 Park Ave S, Saint Cloud, MN 56301, 3 beds, 2 baths

$300,000

3 beds2 baths2,068 sq ft

261 Park Ave S, Saint Cloud, MN 56301

Property at 5716 Cardinal Ct, Saint Cloud, MN 56303, 4 beds, 2 baths

$300,000

4 beds2 baths1,680 sq ft

5716 Cardinal Ct, Saint Cloud, MN 56303

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Based on information submitted to the MLS GRID as of Fri Nov 28 2025. All data is obtained from various sources and may not have been verified by broker or MLS GRID. Supplied Open House Information is subject to change without notice. All information should be independently reviewed and verified for accuracy. Properties may or may not be listed by the office/agent presenting the information.

Homes for sale under $400k in St. Cloud

There are currently 131 homes for sale under $400k in St. Cloud. Some of these homes are "Hot Homes," meaning they're likely to sell quickly. Most homes for sale in St. Cloud stay on the market for 51 days. Popular neighborhoods include Tech High, Seberger-Roosevelt, Southeast St. Cloud, and St. John Cantius. This map is refreshed with the newest listings in St. Cloud every 15 minutes.

In the past month, 82 homes have been sold in St. Cloud. In addition to houses in St. Cloud, there were also 3 condos, 15 townhouses, and 15 multi-family units for sale in St. Cloud last month. St. Cloud is a minimally walkable city in Minnesota with a Walk Score of 34. St. Cloud is home to approximately 65,296 people and 45,744 jobs. Find your dream home in St. Cloud using the tools above. Use filters to narrow your search by price, square feet, beds, and baths to find homes that fit your criteria. Our top-rated real estate agents in St. Cloud are local experts and are ready to answer your questions about properties, neighborhoods, schools, and the newest listings for sale in St. Cloud. Our St. Cloud real estate stats and trends will give you more information about home buying and selling trends in St. Cloud. If you're looking to sell your home in the St. Cloud area, our listing agents can help you get the best price. Redfin is redefining real estate and the home buying process in St. Cloud with industry-leading technology, full-service agents, and lower fees that provide a better value for Redfin buyers and sellers.

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Homes for sale under $400k in St. Cloud, MN

Homes for sale under $400k in St. Cloud

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