Listed at
$264,900
$232/sqft

Waters Edge At Don Lake 4th Add

1106 45th Avenue, Saint Cloud, MN, 56304
2  Bedrooms1  Bathroom1,144  Square Feet0.054  Acres
Days on market80
Year built2025
Garage spaces2
HOA / month$225
TypeResidential
Est. $4,947buyer credit when you buy with SODL
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About this home

Stunning townhome built by local builder Heartland Homes, located in the highly sought after Water’s Edge neighborhood of St Cloud. Step inside to a spacious foyer with a coat closet! Upstairs enjoy a vaulted great room that flows seamlessly into the kitchen and informal vaulted dining room. The kitchen offers ample cabinet & laminate counter space, a center island, Sherwin Williams Felted Wool cabinets with black hardware, and appliances including a range, refrigerator, microwave and dishwasher. Upstairs, you’ll find 2 nicely sized bedrooms and a full bath featuring a dual sink vanity with cultured marble countertops. Throughout the home, you’ll find Sherwin Williams Drift of Mist paint, White Dove millwork, and quality finishes that give a timeless, modern look. Additional highlights include a concrete driveway and the peace of mind that comes with brand new construction! Enjoy the neighborhood’s miles of walking trails, and the community park! Located less than 3 miles from Territory Golf Course! Quick access to downtown St. Cloud! Sauk Rapids school district!

View this property at

Date
Sep 27, 2026
Time
5pm – 8pm
Address
1106 45th Avenue, Saint Cloud, MN, 56304

Listed By: eXp Realty • NST7107743 • Source: Property Details provided by NorthstarMLS and may not match the public record.

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Home facts

Property typeResidential
Property subtype(TH) Side x Side
Year built2025
LevelsThree Level Split
Living area1,144 sqft
Above-grade finished1,144 sqft
Below-grade finished0 sqft
Lot size0.054 acres (24x98)
Days on market80
ListedJul 10, 2026
New constructionYes
MLS #NST7107743
CountyBenton
SubdivisionWaters Edge At Don Lake 4th Add
Parcel #170215800

Facts & features

Interior

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

Property

Levels / stories
Three Level Split
Garage
2 spaces · 21x19 · 399 sqft
Parking features
Attached Garage, Tuckunder Garage
Exterior features
Vinyl
Lot size
0.054 acres
Lot dimensions
24x98

Construction

Property type
Residential
Property subtype
(TH) Side x Side
Foundation
Block · 673 sqft
Builder
HEARTLAND ACRES INC
New construction
Yes
Year built
2025

Utilities

Water
City Water/Connected
Sewer
City Sewer/Connected
Fuel
Natural Gas

Community & HOA

Subdivision
Waters Edge At Don Lake 4th Add
HOA
$225/month
HOA name
Water Edge at Donovan Lake Townhome Association
HOA phone
7635678340
HOA includes
Building Exterior, Hazard Insurance, Lawn Care, Maintenance Grounds, Professional Mgmt, Snow Removal
School district
47 - Sauk Rapids-Rice

Financial & listing details

Annual tax
$200 (2026)
Listed
Jul 10, 2026
Days on market
80 · 126 cumulative
Manufactured home
Yes

Interior details

Total bathrooms1
Full baths1
3/4 baths0
Half baths0
1/4 baths0
BasementUnfinished
HeatingForced Air
CoolingCentral Air
AppliancesDishwasher, Microwave, Range, Refrigerator
AmenitiesVaulted Ceiling(s)
AccessibilityNone

Exterior & lot

ExteriorVinyl
FoundationBlock
Foundation area673 sqft
ZoningResidential-Single Family

Utilities

Water sourceCity Water/Connected
SewerCity Sewer/Connected
FuelNatural Gas

Parking & garage

ParkingAttached Garage, Tuckunder Garage
Garage spaces2
Garage size399 sqft

Financial details

Annual taxes$200
Tax year2026
Taxes w/ assessments200
Assessment pendingUnknown
HOA fee$225
Down payment resourceYes
Lender ownedNo
Short saleNo
ForeclosureNo

Schools

District47 - Sauk Rapids-Rice
District number47
District phone3202534703
High schoolSauk Rapids-Rice
SODL flat fee brokerage
$4,947Estimated buyer credit
SODL platform fee $3,000Your buyer credit $4,947

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.

  • Tour homes with SODL’s flexible showing network
  • 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

$1,722/mo
Principal & interest$1,392
Property taxes$17
Home insurance (est.)$88
HOA fees$225
%
$52,980
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.

Location

1106 45th Avenue, Saint Cloud, MN, 56304

Listing information

MLS #NST7107743
StatusActive
Last updatedSep 25, 2026, 3:11 PM
Originally listedJul 10, 2026, 1:47 PM
Listing officeeXp Realty
Co-listing officeeXp Realty

Listing information provided courtesy of the MLS. This information is deemed reliable but is not guaranteed.

Based on information submitted to the MLS GRID. 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.