Polk County Homes under $400,000

Welcome to Polk County, Wisconsin – a hidden gem that beautifully combines natural beauty with a welcoming community spirit. Nestled in the northwestern part of the state, Polk County is renowned for its stunning landscapes, including pristine lakes, lush forests, and rolling hills. With a rich tapestry of outdoor activities, residents and visitors alike can enjoy fishing, hiking, and boating, making it an ideal setting for those who cherish an active lifestyle.

The charm of Polk County extends beyond its natural allure. The county is home to vibrant towns such as Balsam Lake, Amery, and Osceola, each offering unique local shops, delicious dining options, and a strong sense of community. Whether you're drawn to the quaint small-town atmosphere or the friendly neighbors, Polk County is a place where you can truly feel at home.

For those seeking affordable housing options, Polk County offers a variety of homes priced under $400,000. This makes it an excellent choice for first-time homebuyers, families, or anyone looking to downsize without sacrificing quality or comfort. From cozy single-family homes to charming townhouses, there’s something for everyone in this picturesque county.

Imagine waking up to the serene sounds of nature, with easy access to all the amenities you need. With its affordable housing market and stunning surroundings, Polk County is not just a place to live; it’s a lifestyle waiting to be embraced. Discover your dream home in Polk County today, and become part of this vibrant community!

Newest Polk County Homes under $400,000

$304,000

2 Beds ⋅ 2 Baths ⋅ ACTIVE Status

Beautifully maintained one-level living with modern updates throughout. This 2007 slab-on-grade twin home offers 1,500 sq ft of thoughtfully designed space on a .235-acre lot, featuring in-floor heat, a new roof in 2025, and an easy, low-maintenance layout perfect for comfort and convenience. The inviting open-concept living area showcases updated finishes and abundant natural light, creating a seamless flow between the kitchen, dining, and living spaces?ideal for everyday living or entertaining. A beautiful stacked-stone gas fireplace anchors the family room, adding warmth, character, and a stunning focal point. This home includes 2 spacious bedrooms and 2 full bathrooms, with a standout primary suite. The master bathroom features a tile floor, double-sink vanity, and a very large walk-in closet offering exceptional storage and organization. The 2-stall garage offers excellent parking and storage, plus in-floor heat for year-round comfort. Located a very convenient distance from Balsam Lake, this property offers quick access to local restaurants, shops, and the charming downtown area. Whether you?re seeking a comfortable full-time residence or a cabin retreat to enjoy everything lake life has to offer?boating, dining, relaxing?this home delivers the perfect blend of comfort and convenience. A truly move-in-ready home with modern updates, single-level convenience, and exceptional care throughout.

147 Royal Oak Drive, Balsam Lake

Listing courtesy of Property Executives Realty.

$179,900

2 Beds ⋅ 1 Baths ⋅ ACTIVE Status

Welcome to your own slice of paradise! Nestled on 3.46 beautiful, wooded acres along a picturesque country road, this charming 2-bedroom, 1-bath home offers the ultimate in easy, single-level living. Whether you are searching for your very first home, looking to simplify and retire in peace, or seeking a magical cabin escape from the busy world, this property fits every dream perfectly. Bring your imagination! With its tranquil setting and close proximity to multiple lakes, this property is a prime candidate to add to your real estate portfolio as a high-performing Airbnb or short-term vacation rental.

2545 225th Street, Laketown

Listing courtesy of Realty ONE Group SIMPLIFIED.

$300,000

4 Beds ⋅ 3 Baths ⋅ ACTIVE Status

Space, character and approximately one acre near Clayton! This inviting home offers a unique combination of updates, generous living spaces and a beautiful wooded setting. Inside, you'll find updated flooring throughout, distinctive accent walls and warm wood details that give the home personality from room to room. The spacious main-level living area is filled with natural light, while the dining area features an eye-catching wood accent wall and plenty of room to gather. The kitchen offers abundant cabinetry and workspace, and both bathrooms have been updated, including a distinctive dual-vessel-sink vanity in one bath. Multiple bedrooms plus flexible additional spaces provide plenty of options for bedrooms, home office, hobbies, exercise or recreation. Mechanical updates and a newer well add to the list of improvements. Outside, mature trees surround the approximately one-acre property, creating a peaceful setting with room to spread out. A newer detached garage provides even more space for vehicles, storage, tools and toys. Conveniently located near Clayton while offering the elbow room you've been looking for, this property has space inside and out and plenty of character to make it your own.

465 70th Avenue, Clayton

Listing courtesy of Keller Williams Classic Realty NW.

$300,000

2 Beds ⋅ 2 Baths ⋅ ACTIVE Status

This newer-construction home is filled with natural light and finished in an inviting color palette. The open kitchen, dining, and living area features quartz countertops, a large island, and a tray ceiling in the living room, with a wooded view out back to enjoy daily. The spacious owner's suite offers a walk-in closet, a private bath, and its own tray ceiling. Stylish, functional window treatments, a recently built boulder retaining wall, and a 240V garage outlet ready for EV charging round out the home's features. Start or end your day on the covered front porch or the rear concrete patio. Step outside and into an outdoor lover's playground, with the Gandy Dancer State Trail, Wooly Mountain Bike Trail, Interstate Park, and multiple St. Croix River access points all nearby. Additionally, there are paved walking paths throughout the neighborhood. Nearby you'll find great restaurants, convenient shopping, three wineries, and the future site of St. Croix Health Hospital. Set in a charming single-family neighborhood with no association fees, and just minutes from major roadways yet peacefully tucked away, this home delivers main-floor living at its best.

1306 Prairie Lane, Saint Croix Falls

Listing courtesy of Lake Life Realty Inc..

$225,000

2 Baths ⋅ ACTIVE Status

Centuria zone B-2 Highway - qualifies to be a residential property - see supplements for full list of uses. Highly visible 3,000+ Sq. Ft. Brick and Block Commercial building on WI Hwy 35 in Centuria. With flexible B-2 Zoning which allows for a wide range of uses! Like a Care Center, a Retail Strip Mall, Service Providers, Storage units, Offices, and even Residential Units. What do you need a building for? Parking for 20 + 2 heated garage bays with floor drains 220 | 3 Phase Electrical Three heat sources Most offices have a sink, and there is lots of storage.

421 East 5th Street, Centuria

Listing courtesy of Edina Realty, Inc..

$295,000

5 Beds ⋅ 2 Baths ⋅ ACTIVE Status

*Professional photos will be uploaded by Tuesday morning.* Come see this rare find. A 5 bed, 2 bath acreage located right in town! This home sits on two lots that add up to nearly two acres, giving you a huge yard without leaving the city. The house is built to last with a metal roof and steel siding, so it?s very low-maintenance. The interior has a lot of the vintage home charm, wood floors, claw bathtub, and 4 of the bedrooms are on the upper level. Inside, you?ll find a big kitchen and a primary bedroom on the main floor. The living room, dining room, and sun room make the square footage feel larger than it is. If you love spending time outside, this place is ready for you. It already has fruit trees, garden beds, a chicken coop, and even a heated kennel. There is also a massive detached garage that is 32 feet deep and 48 feet long?plenty of room for all your tools, cars, or hobbies. The driveway is spacious, and the large back patio is a great spot to sit and enjoy your privacy. Since it?s so close to downtown but feels so private, there are many ways you could use this property. It?s a unique spot with plenty of room to grow. Come take a look and see all the space for yourself.

202 3rd Avenue, Milltown

Listing courtesy of Coldwell Banker Realty.

$215,000

3 Beds ⋅ 1 Baths ⋅ ACTIVE Status

Cute as a button and full of character, this charming home blends timeless details with fresh, modern updates. Beautiful light maple hardwood floors run throughout the main level, complemented by warm knotty pine ceilings, a charming arched opening between the dining and living room, built-in hallway storage, and a full wall of built-in cabinetry in the dining room. A large bay window fills the dining space with natural light and offers views toward the Apple River. The main level features two comfortable bedrooms and an easy, inviting layout, while the spacious upper level provides a fantastic opportunity for a private primary bedroom, office, or space to retreat. Newer windows and a new hot water heater add to the updates already in place. Outside, enjoy a concrete driveway, attractive landscaping, and a privacy-fenced backyard offering a quiet place to relax, and a handy storage shed for additional outdoor storage. Quaint, cozy, and loaded with personality, this home retains the charm of its era while offering the updates and functionality buyers appreciate today. Conveniently located near downtown Amery, the river, parks, trails, shops, and dining.

143 Maple Street, Amery

Listing courtesy of Outdoors Realty.

$359,900

2 Beds ⋅ 2 Baths ⋅ ACTIVE Status

This exceptional 2-bedroom, 2-bathroom rambler offers the ultimate high-end single-level living experience. Thoughtfully Styled with premium modern upgrades. This open and airy layout maximizes it's peaceful country setting. A Gourmet Kitchen: Built to impress, Beautiful white shaker style cabinets with soft close, crown molding, large pantry, tiled backsplash, & stainless steel appliances. Expansive center island with granite countertop, perfect for hosting. Primary Suite Retreat. A private oasis, massive walk in closet, complete with a 8x20 screen porch. A spa-like bathroom complete with beautiful tile walk-in shower, luxury double vanity. This property perfectly balances rural and serenity. Nestled on the crest of a hill offering sweeping unobstructed country views of rolling hills, vibrant seasonal foliage, and abundance of wildlife. Relax you're home! More photo's coming soon

302 85th Avenue, Clayton

Listing courtesy of Realty ONE Group SIMPLIFIED.

$170,000

3 Beds ⋅ 2 Baths ⋅ ACTIVE Status

Waterfront property with endless potential! Bring your vision and make this waterfront property your own! This 3-bedroom, 2-bath home is ready for someone with a vision to bring it back to life and make it their own! Featuring 57 feet of waterfront, this property offers the perfect setting to enjoy peaceful mornings by the water, summer fun, and beautiful views! A spacious backyard, perfect for relaxing and entertaining and a cozy electric fireplace inside provide a cozy touch. This fixer upper could become a wonderful year-round home, weekend, getaway, or waterfront retreat. A great opportunity to create the home you?ve been dreaming of while enjoying life by the water.

766 Us Highway 63, Clayton

Listing courtesy of Biltmore Realty, LLC.

$263,500

2 Beds ⋅ 1 Baths ⋅ ACTIVE Status

The big stuff is already done in this 2 bed, 1 bath home, so you can move right in and skip the project list. It has a new furnace, new central air, added insulation, updated wiring throughout, and a new roof on the garage, and inside you'll find new flooring, new appliances, custom blinds, an updated bathroom, and fresh paint from top to bottom. The 4-stall garage gives you room for vehicles, the boat, the toys, and a workshop, which is more garage than you'll find at most homes in town. It all sits on a quiet street within walking distance of everything downtown Balsam Lake has to offer, including restaurants, the brewery and market, the public beach, and the lake itself. Whether you're looking for a year-round home or an easy, low-maintenance place up north, this one's ready for you.

112 Basil Street, Balsam Lake

Listing courtesy of eXp Realty LLC.

$263,500

2 Beds ⋅ 1 Baths ⋅ ACTIVE Status

112 Basil Street, Balsam Lake

Listing courtesy of EXP Realty, LLC.

$380,000

4 Beds ⋅ 2 Baths ⋅ ACTIVE Status

Four bedrooms, two bathrooms, a two-car attached garage, 13+ acres, a huge utility barn, and all of this just mile from the White Ash Lake public boat landing! This spacious home on13 acre property offers the room, and possibilities you?ve been looking for. The open acreage would make an ideal pasture for horses, livestock, for a little hobby farm, while the 26' x 65' utility barn provides plenty of space for animals, equipment, toys, or whatever your country-living dreams require. Hunters will appreciate the location, too, with over 2,000 acres of public hunting land just two miles away?enough opportunity to keep any outdoorsman busy and happily chasing the next big one. Whether you?re dreaming of a hobby farm, a place for the family to spread out, a home base for your outdoor adventures, or simply more land and breathing room, this property is ready for someone to come in and make it their own. This property checks a lot of boxes!!!! Drain field is failed and is to be replaced after closing from seller proceeds.

1776 70th Street, Apple River

Listing courtesy of Saphire Realty.

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