Does this property have an HOA?

Yes. The HOA fee is $118 per month.

What are the annual property taxes?

Annual property taxes are $268 (2025).

What school district is this property in?

This property is in the 47 - Sauk Rapids-Rice 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 104 days.

Listed at

$415,000

$163/sqft

Whispering Meadows

987 45th Avenue, Saint Cloud, MN, 56304

4 Bedrooms4 Bathrooms2,545 Square Feet7011 Acres

Days on market104

Year built2026

Garage spaces3

HOA / month$118

TypeResidential

Est. $9,450buyer credit when you buy with SODL

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About this home

Stunning New Construction with Finished Walk-Out Lower Level, and a 3 car garage. 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!

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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 size7011 acres (112x61x23x114x45)

Days on market104

ListedJun 17, 2026

New constructionYes

MLS #NST7095045

CountyBenton

SubdivisionWhispering Meadows

Parcel #170249000

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: 3 spaces · 8x24 · 720 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: 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: $268 (2025)
Listed: Jun 17, 2026
Days on market: 104
Manufactured home: Yes

Interior details

Total bathrooms4

Full baths1

3/4 baths2

Half baths1

1/4 baths0

BasementBlock, 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 spaces3

Garage size720 sqft

Financial details

Annual taxes$268

Tax year2025

Taxes w/ assessments268

Assessment pendingUnknown

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

$9,450Estimated buyer credit

SODL platform fee $3,000Your buyer credit $9,450

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.

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

$2,460/mo

Principal & interest$2,181

Property taxes$22

Home insurance (est.)$138

HOA fees$118

Down payment

$83,000

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.