Minnesotans are fans of the great outdoors and lovers of water. In the summer we spend time on the boat and in the winter we spend time in the ice fishing house. If you're looking for that waterfront property view that's not going to cost you half a million dollars, we've got options for you. Here are four central Minnesota homes for sale listed under $200,000.

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Nick Novak, Century 21 First Realty Inc

512 Riverside Drive SE, St. Cloud

This 3 bedroom, 2 bathroom property is listed for $114,000 with a front yard view of the Mississippi River. How great would it be to wake up every morning and enjoy a nice hot coffee next the the river?!

Lynn Feldhege, Remax Results

209 5th St. S, Cold Spring

The 2 bedroom 3 bathroom home is on the market for $175,000. It's located along the Sauk River with a view from nearly every window, according to Zillow. Alright, some people pay big money for just a weekend getaway view like this!

Rhonda Green, Edina Realty Inc St Cloud

19391 Cedar Island Lake Rd, Richmond

If you've always wanted to live on a lake, this is a great opportunity. The 2 bedroom, 1 bathroom home is listed for $189,900 and sits on Cedar Island Lake, part of the Horseshoe Chain. This home also has a fish cleaning house. It's perfect for the fishing fanatic!

Randy Warzecha, Riverside Realty of Little Falls

723 Chinook Ave SW, Avon

This 3 bedroom, 2 bathroom home is located across the road from Middle Spunk Lake. The owners have private beach access. It can be yours for $194,900. You get the best of both worlds...a beautiful lake view across the street and a well-maintained private beach access for you to enjoy but you don't have to upkeep yourself.