I don't have experience with these guns, but Stoeger and Baikal both sell double barrel (o/u and sxs) shotguns in .410 for around $400. My brother owns a Baikal o/u. He doesn't shoot it a lot but it's worked fine when he does shoot it.
As someone else mentioned, a H&R/NEF single shot in .410 is a decent little gun. I have two of them in 20-gauge. They're fun, simple to use and very reliable. Rossi makes single shots too, but I've never used one.
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