Does this property have an HOA?

No, this property does not have a homeowners association.

What are the annual property taxes?

Annual property taxes are $537 (2026).

What school district is this property in?

This property is in the 745 - Albany school district.

Does this home have a garage?

Yes, this home has a 3-car garage.

How long has this property been on the market?

This property has been listed for 97 days.

Listed at

$450,000

$151/sqft

Whispering Oaks At Two River

100 Schwinghammer Drive, Albany, MN, 56307

4 Bedrooms3 Bathrooms2,984 Square Feet1.01 Acres

Days on market97

Year built2026

Garage spaces3

TypeResidential

Est. $10,500buyer credit when you buy with SODL

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About this home

Don’t miss this opportunity to own a beautifully designed home! This thoughtfully planned residence offers the perfect blend of comfort, functionality, and style. The main floor features 2 spacious bedrooms, including a luxurious primary suite complete with a large walk-in closet, dual vanities, and a custom-tiled shower. The open-concept great room offers ample space for relaxing or entertaining, seamlessly flowing into a gourmet kitchen with a generous center island and an expansive walk-in pantry—perfect for all your storage needs. Convenience is key with a generous mudroom with a walk-in closet, and a main-floor laundry room equipped with a wash tub. Quartz countertops adorn the kitchen and all bathrooms. Downstairs, you'll find a massive family room ideal for gatherings, two additional oversized bedrooms, a versatile flex room for storage, office, or hobby space, and a 3/4 bath with tiled shower surround. The large 3-car garage adds even more storage options for vehicles, tools, or outdoor gear. There are no immediate backyard neighbors with an expansive natural area.

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Home facts

Property typeResidential

Property subtypeSingle Family

Year built2026

LevelsOne

Living area2,984 sqft

Above-grade finished1,580 sqft

Below-grade finished1,404 sqft

Lot size1.01 acres (98x161x149x140)

Days on market97

ListedJun 22, 2026

New constructionYes

MLS #NST7096596

CountyStearns

SubdivisionWhispering Oaks At Two River

Parcel #40256550084

Facts & features

Interior

Bedrooms: 4
Bathrooms: 3
Bath breakdown: 1 full / 2 3/4
Heating: Forced Air
Cooling: Central Air
Appliances: Dishwasher, Microwave, Range, Refrigerator

Property

Levels / stories: One
Garage: 3 spaces · 31x25 · 775 sqft
Parking features: Attached Garage, Concrete, Insulated Garage
Patio & porch: Porch
Exterior features: Vinyl
Pool: None

Construction

Property type: Residential
Property subtype: Single Family
Foundation: Block · 1,580 sqft
Roof: Age 8 Years or Less, Architectural Shingle
New construction: Yes
Year built: 2026

Utilities

Water: City Water/Connected
Sewer: City Sewer/Connected
Fuel: Natural Gas
Electric: Circuit Breakers

Community & HOA

Subdivision: Whispering Oaks At Two River
HOA: No HOA
School district: 745 - Albany
High school district: Albany

Financial & listing details

Annual tax: $537 (2026)
Tax with assessments: 2166
Listed: Jun 22, 2026
Days on market: 97 · 84 cumulative
Manufactured home: Yes

Interior details

Total bathrooms3

Full baths1

3/4 baths2

Half baths0

1/4 baths0

BasementFinished, Full

HeatingForced Air

CoolingCentral Air

LaundryLaundry Room, Main Level, Sink

AppliancesDishwasher, Microwave, Range, Refrigerator

DiningKitchen/Dining Room

AmenitiesKitchen Center Island, Primary Bedroom Walk-In Closet, Washer/Dryer Hookup, Walk-In Closet

AccessibilityNone

Special featuresAll Living Facilities on One Level, Main Floor Primary, Main Floor Bedroom, Primary Bdr Suite

Exterior & lot

ExteriorVinyl

RoofAge 8 Years or Less, Architectural Shingle

FoundationBlock

Foundation area1,580 sqft

Patio/porchPorch

Lot featuresCorner Lot, Tree Coverage - Light

Road frontagePaved Streets

Road responsibilityPublic Maintained Road

ZoningResidential-Single Family

Utilities

Water sourceCity Water/Connected

SewerCity Sewer/Connected

FuelNatural Gas

Parking & garage

ParkingAttached Garage, Concrete, Insulated Garage

Garage spaces3

Garage size775 sqft

Financial details

Annual taxes$537

Tax year2026

Taxes w/ assessments2166

Assessment pendingNo

Down payment resourceYes

Lender ownedNo

Short saleNo

ForeclosureNo

Schools

District745 - Albany

District number745

District phone3208452171

High schoolAlbany

SODL flat fee brokerage

$10,500Estimated buyer credit

SODL platform fee $3,000Your buyer credit $10,500

Buyer-side commission

3.0%

How SODL buyer credits work

When you buy with SODL, the brokerage charges a flat $3,000 platform fee at closing. The remaining buyer-side commission (typically 3% of the purchase price) is credited directly back to you at closing, reducing the cash you bring to the table.

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Submit offers and manage your transaction through the platform
Keep more money at closing through transparent flat-fee pricing

A clear, modern way to buy with expert guidance and meaningful savings.

Estimated monthly payment

$2,560/mo

Principal & interest$2,365

Property taxes$45

Home insurance (est.)$150

Down payment

$90,000

0%50%

Credit score

Loan term

These payment estimates are for illustration purposes only and may vary based on your lender, interest rate, credit profile, down payment, taxes, insurance, and loan terms. For a more accurate monthly payment estimate, speak with your lender or connect with SODL’s preferred lending partner.