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 $268 (2025).

Does this home have a garage?

Yes, this home has a 2-car garage.

How long has this property been on the market?

This property has been listed for 292 days.

Listed at

$410,000

$161/sqft

Whispering Meadows

977 45th Avenue, Saint Cloud, MN, 56304

4 Bedrooms4 Bathrooms2,545 Square Feet0.125 Acres

Days on market292

Year built2025

Garage spaces2

TypeResidential

Est. $9,300buyer credit when you buy with SODL

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About this home

Stunning New Construction Two-Story Home Overlooking Natural Wetlands - Welcome to this elegant, newly built two-story home that blends modern style with timeless comfort. Designed with an open-concept layout, this residence features soft gray interior paint, crisp white cabinetry, and expansive windows that fill the home with natural light. The spacious main level offers seamless flow between the kitchen, dining area, and living room, perfect for both everyday living and entertaining. The kitchen showcases beautiful white cabinets, a large center island, quartz tops, quality finishes, and a bright, clean aesthetic. Upstairs, primary bedroom suite with trey vault ceiling, large private bathroom, granite vanity top, and walk in closet provide peaceful retreats, with delivers comfort and privacy. Two additional bedrooms and guest bath. Different than other builders, The lower level walkout is fully finished, with a comfortable family room, additional 4th bedroom and bathroom. Throughout the home, thoughtful design and contemporary touches create a warm, inviting atmosphere. Step outside and enjoy serene views of the surrounding wetlands and open fields, where deer roam freely and nature becomes part of your everyday backdrop. This unique setting offers both tranquility and beauty—ideal for those seeking a quiet escape with easy access to modern conveniences. Don’t miss your chance to own this exceptional new construction home in a truly breathtaking location!

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Home facts

Property typeResidential

Property subtypeSingle Family Residence

Year built2025

LevelsTwo

Living area2,545 sqft

Above-grade finished1,720 sqft

Below-grade finished825 sqft

Lot size0.125 acres (irregular)

Days on market292

ListedDec 10, 2025

New constructionYes

MLS #NST6825836

CountyBenton

SubdivisionWhispering Meadows

Parcel #170247800

Facts & features

Interior

Bedrooms: 4
Bathrooms: 4
Bath breakdown: 1 full / 2 3/4 / 1 half
Heating: Forced Air
Cooling: Central Air
Appliances: Air-To-Air Exchanger, Chandelier, Dishwasher, Disposal, Dryer, Electric Water Heater, Microwave, Range, Refrigerator, Stainless Steel Appliances, Washer

Property

Levels / stories: Two
Garage: 2 spaces · 23x20 · 460 sqft
Parking features: Attached Garage, Concrete
Patio & porch: Front Porch
Pool: None
Fencing: None

Construction

Property type: Residential
Property subtype: Single Family Residence
Construction materials: Block, Frame
Foundation: 860 sqft
Roof: Age 8 Years or Less, Asphalt
Builder: BML BUILDERS INC

Utilities

Water: City Water/Connected
Sewer: City Sewer/Connected
Fuel: Natural Gas
Electric: Circuit Breakers, 100 Amp Service

Community & HOA

Subdivision: Whispering Meadows
HOA: No HOA
School district: Sauk Rapids-Rice

Financial & listing details

Annual tax: $268 (2025)
Listed: Dec 10, 2025
Days on market: 292 · 54 cumulative
Manufactured home: Yes

Interior details

Total bathrooms4

Full baths1

3/4 baths2

Half baths1

1/4 baths0

BasementBlock, Daylight/Lookout Windows, Drain Tiled, Finished, Full, Sump Pump, Walkout

HeatingForced Air

CoolingCentral Air

LaundryLaundry Room, Upper Level

AppliancesAir-To-Air Exchanger, Chandelier, Dishwasher, Disposal, Dryer, Electric Water Heater, Microwave, Range, Refrigerator, Stainless Steel Appliances, Washer

DiningBreakfast Bar, Breakfast Area, Eat In Kitchen, Informal Dining Room, Kitchen/Dining Room, Living/Dining Room

AmenitiesCeiling Fan(s), Kitchen Center Island, Kitchen Window, Primary Bedroom Walk-In Closet, Natural Woodwork, Paneled Doors, In-Ground Sprinkler, Washer/Dryer Hookup, Walk-In Closet

AccessibilityNone

Special features2nd Floor Laundry, 3 BR on One Level, Primary Bdr Suite

Exterior & lot

RoofAge 8 Years or Less, Asphalt

Foundation area860 sqft

Patio/porchFront Porch

ZoningResidential-Single Family

Utilities

Water sourceCity Water/Connected

SewerCity Sewer/Connected

FuelNatural Gas

Parking & garage

ParkingAttached Garage, Concrete

Garage spaces2

Garage size460 sqft

Financial details

Annual taxes$268

Tax year2025

Taxes w/ assessments268

Assessment pendingNo

Down payment resourceYes

Lender ownedNo

Short saleNo

ForeclosureNo

Schools

District number1762

District phone3202534703

High schoolSauk Rapids-Rice

SODL flat fee brokerage

$9,300Estimated buyer credit

SODL platform fee $3,000Your buyer credit $9,300

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

$2,314/mo

Principal & interest$2,155

Property taxes$22

Home insurance (est.)$137

Down payment

$82,000

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.