987 45th Avenue Ne

Saint Cloud, MN
$ 415,000 Beds 4 Baths 3.5 Sq 2,545
Monthly Estimate* How much can I afford?

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!

Single Family

  • Price
  • $ 415,000
  • City
  • Saint Cloud
  • Bedrooms
  • 4
  • Full Bathrooms
  • 3
  • County
  • BENTON
  • Half Bathrooms
  • 1
  • Area
  • Whispering Meadows
  • Lot Size
  • 0.16095 Acres
  • Zip
  • 56304
  • Sqr Footage
  • 2,545
  • Year Built
  • 2026
  • Taxes
  • $ 268
  • Style
  • Single Family
  • MLS#
  • 7095045
Listed By: RE/MAX Results
Data Source: Northstar MLS (NSTAR)

Features

General

Living Area 2545
Sewer City Sewer/Connected
Heating Forced Air
Cooling Central Air
Roof Age 8 Years or Less,Asphalt
Appliances Air-To-Air Exchanger,Chandelier,Dishwasher,Disposal,Dryer,Electric Water Heater,Microwave,Range,Refrigerator,Stainless Steel Appliances,Washer
HOA Fee 118
Garage Spaces 3
Association Fee Includes Lawn Care,Snow Removal
Pool Features None
Construction Materials Block,Frame
Year Built 2026
Electric 100 Amp Service
Levels Two
Property Subtype Single Family
Tax Year 2025
Accessibility None
Assoc Fee Paid Per Monthly
County Benton
New Construction Yes
Property Type Residential
HOA Yes
Contingency None
Subdivision Name Whispering Meadows
Full Baths 1
Directions Hwy 23 east of hwy 10 to 47th Ave NE,South to Quail Rd. West to 45th Ave NE,South To Home.
City Saint Cloud
Association Name Whispering Meadows HOA
High School District Sauk Rapids-Rice
Zoning Description Residential-Single Family
Lot Size Units Square Feet
Property Attached Y/N No
Land Lease Y/N No
Tax Annual Amount 268
Additional Parcels Y/N No
Availability Date 2026-06-17
Builder Name BML BUILDERS INC
Standard Status Active
Lender Owned No
Amenities Unit Ceiling 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
Community Name Whispering Meadows
PostalCity Saint Cloud

Interior Features

Basement Block,Drainage System,Finished,Sump Basket,Sump Pump,Walkout
Basement (Y/N) Yes
Fireplace Y/N No
Above Grade Finished Area 1720
Half Baths 1
3/4 Baths 2
Laundry Features Laundry Room,Upper Level
Total Bedrooms 4
Below Grade Finished Area 825
Total Baths 4
Bath Desc 3/4 Basement,3/4 Primary,Bathroom Ensuite,Private Primary,Main Floor 1/2 Bath,Upper Level Full Bath,Walk-In Shower Stall
Dining Room Description Breakfast Bar,Breakfast Area,Eat In Kitchen,Informal Dining Room,Kitchen/Dining Room,Living/Dining Room
Foundation Dimensions 31x22
Fuel Electric,Natural Gas
Garage Dimensions 8x24
Garage Door Width 7
Garage Square Feet 720

Exterior Features

Fencing None
Parking Features Attached Garage,Concrete,Guest Parking
Water Source City Water/Connected
Lot Size Area 7011
Building Area Total 2580
Lot Dimensions 112x61x23x114x45
Waterfront Y/N No
Foundation Area 860
Road Frontage Type City Street

Amenities

  • Foreclosure
  • Views
  • Short Sale
  • New Construction
  • Adult 55+
  • Lease To Own
  • No HOA Fees
  • Furnished
  • Primary On Main
  • Air Conditioning
  • Seller Finance
  • Green
  • Fixer Upper
  • Horse
  • Golf
  • Fireplace
  • Deck
  • Garage
  • Basement
  • Pool

Affordability Calculator

$3,786

Per Month

Based on the average sale price from the Faribault, MN office

  • Monthly Principal & interest $2,658
  • Monthly Property Taxes $1,062
  • Monthly Home Insurance $67
Adjust Payment Options
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Let's determine your purchasing power. Working with my mortgage partner, you'll have the information you need to shop for a home with confidence.

Default based on a 30-year fixed rate of 6.49% with 20% down. The estimated payment is offered for convenience and is not an offer of credit. Due to market fluctuations, interest rates are subject to change at any time and without notice. Your individual rate may vary. Rates may differ for FHA, VA, or jumbo loans.

Mortgage calculator provided courtesy of Inside Real Estate.

Schools

Elementary School Unknown Elementary School
Middle School Unknown Middle School
High School Unknown High School

Price History

6/17/2026 Listed $415,000

Property vs Zip Code Average in 56304

Price
AVG $300K
$420K
Taxes
AVG $3,052
$268
Year Built
AVG 1981
2026
Visits
AVG 134
268
Data Provided by Inside Real Estate®

987 45th Avenue Ne Saint Cloud, MN is a Single Family Home for sale at $415000 with 2545 sqft and a lot size of 0.16095 Acres Acre(s). 987 45th Avenue Ne Saint Cloud has 4 bedrooms, 3 baths and was built in 2026. The property's zip code is 56304 which is in Saint Cloud, MN

*Information deemed reliable but not guaranteed.

Financial calculator disclaimer: Default based on a 30-year fixed rate of 6.49% with 20% down. The estimated payment is offered for convenience and is not an offer of credit. Due to market fluctuations, interest rates are subject to change at any time and without notice. Your individual rate may vary. Rates may differ for FHA, VA or jumbo loans.

Mortgage calculator provided courtesy of Inside Real Estate.

All information deemed reliable, but not guaranteed, and should be independently verified. The real estate information and related content displayed on this site is provided for consumers personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing.