Listed at
$398,000
$156/sqft

Whispering Meadows

977 45th Avenue, Saint Cloud, MN, 56304
4  Bedrooms4  Bathrooms2,545  Square Feet0.125  Acres
Days on market20
Year built2025
Garage spaces2
HOA / month$118
TypeResidential
Est. $8,940buyer credit when you buy with SODL
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About this home

Skip the wait for new construction—this beautiful 2025-built home is move-in ready and already has the finishing touches in place! Featuring 4 bedrooms, 4 bathrooms, and a thoughtfully designed layout, the home offers modern finishes, spacious living areas, and plenty of room for everyday living and entertaining. The seller has already invested in professional sod installation, giving you an established yard without the added expense or hassle. Enjoy the feel and peace of mind of a nearly new home without starting from scratch. Come see everything this home has to offer!

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Home facts

Property typeResidential
Property subtypeSingle Family
Year built2025
LevelsTwo
Living area2,545 sqft
Above-grade finished1,720 sqft
Below-grade finished825 sqft
Lot size0.125 acres (irregular)
Days on market20
ListedSep 8, 2026
MLS #NST7140477
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
Dishwasher, Microwave, Range, Stainless Steel Appliances

Property

Levels / stories
Two
Garage
2 spaces · 23x20 · 460 sqft
Parking features
Attached Garage, Concrete
Exterior features
Vinyl
Lot size
0.125 acres
Lot dimensions
irregular

Construction

Property type
Residential
Property subtype
Single Family
Construction materials
Block
Foundation
Block · 860 sqft
Roof
Age 8 Years or Less, Asphalt
Year built
2025

Utilities

Water
City Water/Connected
Sewer
City Sewer/Connected
Fuel
Natural Gas
Electric
100 Amp Service

Community & HOA

Subdivision
Whispering Meadows
HOA
$118/month
HOA name
Water Edge at Donovan Lake Master Association
HOA phone
7632283446
HOA includes
Lawn Care, Snow Removal
School district
47 - Sauk Rapids-Rice

Financial & listing details

Annual tax
$268 (2026)
Tax with assessments
30
Listed
Sep 8, 2026
Days on market
20 · 32 cumulative
Manufactured home
Yes

Interior details

Total bathrooms4
Full baths1
3/4 baths2
Half baths1
1/4 baths0
BasementBlock, Daylight/Lookout Windows, Finished, Walkout
HeatingForced Air
CoolingCentral Air
LaundryUpper Level
AppliancesDishwasher, Microwave, Range, Stainless Steel Appliances
DiningKitchen/Dining Room
AccessibilityNone
Special features3 BR on One Level

Exterior & lot

ExteriorVinyl
RoofAge 8 Years or Less, Asphalt
FoundationBlock
Foundation area860 sqft
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 year2026
Taxes w/ assessments30
Assessment pendingNo
HOA fee$118
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
$8,940Estimated buyer credit
SODL platform fee $3,000Your buyer credit $8,940

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

$2,365/mo
Principal & interest$2,092
Property taxes$22
Home insurance (est.)$133
HOA fees$118
%
$79,600
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

977 45th Avenue, Saint Cloud, MN, 56304

Listing information

MLS #NST7140477
StatusActive
Last updatedSep 9, 2026, 10:11 AM
Originally listedSep 8, 2026, 1:01 PM
Listing officeRE/MAX Results

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.