Listed at
$410,000
$161/sqft

Whispering Meadows

981 45th Avenue, Saint Cloud, MN, 56304
4  Bedrooms4  Bathrooms2,545  Square Feet0.14  Acres
Days on market150
Year built2026
Garage spaces2
HOA / month$118
TypeResidential
Est. $9,300buyer credit when you buy with SODL
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About this home

Stunning New Construction with Finished Walk-Out Lower Level Welcome to this impeccably designed 4-bedroom, 3.5-bathroom two-story home, where modern elegance meets functional living. The expansive main floor welcomes you with a grand foyer that flows seamlessly into a bright, open-concept living and dining area—perfect for hosting large gatherings. The gourmet kitchen is a true centerpiece, featuring crisp white cabinetry, gleaming quartz countertops, and premium finishes that will delight any home chef. Retreat to the upper level, where luxury awaits in the oversized primary suite. The sophisticated tray vault ceiling adds architectural interest, while the spa-like primary bath features a large walk-in shower and a spacious walk-in closet. Two additional well-appointed bedrooms and a full bath complete the top floor. The finished walk-out lower level significantly expands your living space, offering a massive family room that leads directly to the backyard. This level also includes a private 4th bedroom and a full bathroom, making it an ideal setup for guests, a teen suite, or a quiet home office. Combining high-end finishes with a thoughtful layout, this home is ready for you to move in and enjoy!

View this property at

Date
Sep 26, 2026
Time
2pm – 3:30pm
Address
981 45th Avenue, Saint Cloud, MN, 56304

Listed By: RE/MAX Results • NST7065907 • Source: Property Details provided by NorthstarMLS and may not match the public record.

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Home facts

Property typeResidential
Property subtypeSingle Family
Year built2026
LevelsTwo
Living area2,545 sqft
Above-grade finished1,720 sqft
Below-grade finished825 sqft
Lot size0.14 acres (6119)
Days on market150
ListedMay 1, 2026
New constructionYes
MLS #NST7065907
CountyBenton
SubdivisionWhispering Meadows
Parcel #170249100

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, Guest Parking
Exterior features
Vinyl
Pool
None
Fencing
None

Construction

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

Utilities

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

Community & HOA

Subdivision
Whispering Meadows
HOA
$118/month
HOA name
Whispering Meadows HOA
HOA phone
7632283446
HOA includes
Lawn Care, Snow Removal
School district
47 - Sauk Rapids-Rice

Financial & listing details

Annual tax
$300 (2026)
Listed
May 1, 2026
Days on market
150
Manufactured home
Yes

Interior details

Total bathrooms4
Full baths1
3/4 baths2
Half baths1
1/4 baths0
BasementBlock, Daylight/Lookout Windows, Drainage System, Finished, Sump Basket, 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

ExteriorVinyl
RoofAge 8 Years or Less, Asphalt
FoundationBlock
Foundation area860 sqft
Road frontageCity Street
ZoningResidential-Single Family

Utilities

Water sourceCity Water/Connected
SewerCity Sewer/Connected
FuelElectric, Natural Gas

Parking & garage

ParkingAttached Garage, Concrete, Guest Parking
Garage spaces2
Garage size460 sqft

Financial details

Annual taxes$300
Tax year2026
Taxes w/ assessments300
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
$9,300Estimated buyer credit
SODL platform fee $3,000Your buyer credit $9,300

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

$2,434/mo
Principal & interest$2,155
Property taxes$25
Home insurance (est.)$137
HOA fees$118
%
$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.

Location

981 45th Avenue, Saint Cloud, MN, 56304

Listing information

MLS #NST7065907
StatusActive
Last updatedSep 25, 2026, 6:27 PM
Originally listedMay 1, 2026, 4:12 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.