981 45th Ave NE, Saint Cloud, MN 56304
Property image
Property image
FOR SALE
NEW CONSTRUCTION

$410,000

Original price: $412,000
  • 4 Beds
  • 3.5 Baths
  • 2,545 sqft

981 45th Ave NE, Saint Cloud, MN 56304

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Home Highlights

Property Type
Single-Family Home
Year Built
2026
Price/Sqft
$161
Parking
2 Car Garage
HOA
$118/Monthly

Local Information

  • Map ViewExplore the area around 981 45th Ave NE.
  • Schools1 Elementary School1 Middle School1 High School
  • Shop & Eat
-- mins to
Commute Destination

About this House

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!
Last check for updates: about 11 hours ago
Listing courtesy of Rebecca S Nielsen, (763) 244-6264
RE/MAX Results
Source: NorthstarMLS as distributed by MLS GRID, MLS#7065907
Also Listed on NorthstarMLS as distributed by MLS GRID.

Home Details for 981 45th Ave NE

Active Status

MLS Status: Active

Interior Features

Interior Details
Basement: Block,Daylight,Drainage System,Finished,Sump Basket,Sump Pump,Walk-Out AccessNumber of Rooms: 11Types of Rooms: Bedroom, Bedroom 2, Bedroom 3, Bedroom 4, Primary Bathroom, Dining Room, Family Room, Foyer, Great Room, Kitchen, Laundry
Beds & Baths
Number of Bedrooms: 4Number of Bathrooms: 4Number of Bathrooms (full): 1Number of Bathrooms (three quarters): 2Number of Bathrooms (half): 1
Dimensions and Layout
Living Area: 2545 Square FeetFoundation Area: 860
Appliances & Utilities
Appliances: Air-To-Air Exchanger, Chandelier, Dishwasher, Disposal, Dryer, Electric Water Heater, Microwave, Range, Refrigerator, Stainless Steel Appliance(s), WasherDishwasherDisposalDryerLaundry: Laundry Room,Upper LevelMicrowaveRefrigeratorWasher
Heating & Cooling
Heating: Forced AirHas CoolingAir Conditioning: Central AirHas HeatingHeating Fuel: Forced Air
Fireplace & Spa
No Fireplace
Gas & Electric
Electric: Circuit Breakers, 100 Amp Service, Power Company: East Central EnergyGas: Electric, Natural Gas
Levels, Entrance, & Accessibility
Stories: 2Levels: TwoAccessibility: None
View
No View

Exterior Features

Exterior Home Features
Roof: Age 8 Years Or Less AsphaltFencing: NoneNo Private Pool
Parking & Garage
Number of Garage Spaces: 2Number of Covered Spaces: 2Other Parking: Garage Dimensions (23x20), Garage Door Height (7), Garage Door Width (16)No CarportHas a GarageHas an Attached GarageParking Spaces: 2Parking: Attached,Concrete,Guest
Pool
Pool: None
Frontage
Road Frontage: City StreetNot on Waterfront
Water & Sewer
Sewer: City Sewer/Connected
Finished Area
Finished Area (above surface): 1720 Square FeetFinished Area (below surface): 825 Square Feet

Days on Market

Days on Market: 122

Property Information

Year Built
Year Built: 2026
Property Type / Style
Property Type: ResidentialProperty Subtype: Single Family
Building
Construction Materials: Block, FrameIs a New ConstructionNot Attached PropertyNo Additional Parcels
Property Information
Parcel Number: 170249100

Price & Status

Price
List Price: $410,000Price Per Sqft: $161

Location

Direction & Address
City: Saint CloudCommunity: Whispering Meadows
School Information
High School District: Sauk Rapids-Rice

Agent Information

Listing Agent
Listing ID: 7065907

Building

Building Details
Builder Name: BML BUILDERS INC
Building Area
Building Area: 2580 Square Feet

HOA

HOA Fee Includes: Lawn Care, Snow RemovalHOA Name: Whispering Meadows HOAHOA Phone: 763-228-3446Has an HOAHOA Fee: $118/Monthly

Lot Information

Lot Area: 6098.4 sqft

Offer

Contingencies: None

Rental Terms, Policies & Fees

Miscellaneous

BasementMls Number: 7065907Above Grade Unfinished Area: 1720

Around this home

What Locals Say about Saint Cloud

At least 193 Trulia users voted on each feature.

  • 85 % Say car is needed

  • 85 % Say it's dog friendly

  • 76 % Say yards are well-kept

  • 75 % Say parking is easy

  • 70 % Say kids play outside

  • 69 % Say there are sidewalks

  • 65 % Say there's holiday spirit

  • 51 % Say there's wildlife

  • 50 % Say it's quiet

  • 46 % Say neighbors are friendly

  • 44 % Say streets are well-lit

  • 42 % Say they plan to stay for at least 5 years

  • 41 % Say people would walk alone at night

  • 40 % Say it's walkable to grocery stores

  • 39 % Say it's walkable to restaurants

  • 32 % Say there are community events

Sourced by Trulia users. Learn more about our methodology.
  • Trulia User
    "I lived a couple of blocks away for 18 years. While everything in the review from 6 years ago was definitely true, I know for a fact that activity has greatly improved. The scsu attendance is greatly reduced, so the walk- by traffic has diminished significantly. The university had extended their discipline of student activity to include bad behavior off-campus. On the downside, there are far fewer events held on campus. It is wonderful to walk to downtown, even to Lake George and to the public library, depending on how much exercising you want to do! Multiple bus routes make a stop at Miller Library so it is very convenient to get around. The Neighborhood’s homeowners would welcome the Rehab of this beautiful jem. There is an historical preservation committee, and the members have a great deal of experience in returning homes to their initial glory. As this is on auction, it could be that the pipes were frozen, and any buyer would be looking at the replacement of the plumbing system. Check the utility records to see if the usage was high during the winter. Good luck searching for the right house for you and your family!"
    0
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  • Greta Gail Weisman
    "Good people,, safe . Quiet . Sometimes neighbors are too close . I’d like more privacy………………………."..".."
    0
    Flag
  • Maria Mg
    " Convenient and easy to access. I like getting to places quickly and it’s a safe place. I like having a yard. "
    0
    Flag
  • Trulia User
    "Best spot to raise a family and also a treasure of views, shopping and parks - nice community - lots of churches and events for all"
    1
    Flag
  • Punkrocksoul1991
    "We have lived in the neighborhood for 4 years and know most of our neighbors on first name basis. There are lots of families and multi-generational families. We appreciate the diversity of the neighborhood. It is generally very safe although there are places to avoid due to the occupants. We lock our doors and I don’t let my elementary school son walk alone around the block for safety, but I am a cautious person. It’s a busy, but quiet neighborhood. "
    8
    Flag
  • Trulia User
    "it was a great area but our couple neighbors turned on us. I stay away we love our neighborhood now. Clearwater Rd is a great area. "
    3
    Flag
  • Trulia User
    "Close enough to downtown that you can walk or bike if the weather permits. Close to hwy10 for an easy commute out of town as well."
    0
    Flag
  • Trulia User
    "We have lived here for 14 years and our kids have grown here. Safe for kids to play outside and that’s why we call it home. "
    0
    Flag
  • Trulia User
    "Good stuff. This neighborhood is good stuff. The best. The greatest. If you don’t live here you’re not cool. "
    1
    Flag
  • Cloud native
    "Easy trip down the Interstate to MSP Airport. Learn the backroads in Saint Cloud and commuting and shopping is easy. Stay of Division. "
    5
    Flag
  • Amanda H.
    "Lots of traffic on Veterans drive so a fenced in yard is beneficial in this area! Lots of dog walkers in the area so having a friendly, social pup is ideal! "
    4
    Flag
  • Wichapi S.
    "I drive a car but would like to utilize the bus routes and wished they would be more frequent to pick those up at bus stops and operate longer in the evening..out traffic is mild to moderate"
    1
    Flag
  • Debra.dee.jones
    "We walk our dogs every day or take them to one of the nearby dog parks. We never have issues with people or other dogs."
    2
    Flag
  • Wichapi S.
    "This is a rural community. So traffic is light. It takes about 8 minutes to the nearest city, which can be heavy traffic in the morning and late afternoon and weekends"
    0
    Flag
  • Henkemeyer18
    "There are a lot of new people to meet and we build amazing bonds and friendships I’ve now live here for eleven years and it is a blast"
    1
    Flag
  • Kota J.
    "Many people have dogs in this neighborhood, and when it's a nice day you can see many people walking their dogs."
    0
    Flag
  • Dawn O.
    "High crime area. We have had a few incidents within our neighborhood in the last 4 years that we have lived here. We will move when we are able to. "
    4
    Flag
  • Emily.grafing
    "All of the kids play together which brings the parents out to interact with one another as well! We’ve become great friends with our neighbors! "
    0
    Flag
  • Barb R
    "Just moving in and neighborhood has been very welcoming. Commute has been very simple to get around town. Enjoy lake George very clean."
    0
    Flag
  • Thespecialistpoolservice
    "Very safe quiet neighborhood with some families. Beautiful lawns, pretty areas to walk. Park around the corner and close to schools. "
    0
    Flag
  • Chasity86
    "Nothing else I can think of at the moment. Nice area, quiet, safe, sleep with garage open and door unlocked"
    0
    Flag
  • Katie W.
    "I love my house and I feel comfortable with my neighbors. We have a park within walking distance. I like my neighborhoods proximity to the mall and downtown."
    0
    Flag
  • Mike
    "A lot of old homes built here. Most are in need of a lot work, older homeowners have up kept their homes, but there are equally many that are not in good shape. A lot of diversity here. "
    3
    Flag
  • Laura &. T. L.
    "Great location for restaurant and grocery store delivery services. Also only 15 mins drive form most stores and 5 mins from interstate 94. "
    1
    Flag
  • stc
    "Driving around the Lake George neighborhood is a little busier in the morning and afternoon with busing but otherwise average traffic."
    0
    Flag
  • Terri W.
    "I just love the area and all the parks and lots of stuff to do and good people. I also like the fact that the hospital is close and my doctor."
    0
    Flag
  • s4
    "my commute is quick and easy. no issues. there is no congestion. I like the bus system in the neighborhood."
    0
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  • Niyokie Williams
    " it's safe and friendly close to bus lines ,stores, downtown, schools ,and all saint cloud has to offer. I feel safe and comfortable here."
    1
    Flag
  • Jinyicocowu
    "Really nice neighborhood, full of retired teachers and worker. Kids come trick or treat every year. Neighbors look out for each other."
    6
    Flag
  • Aminnaim
    "Cool! Quite neighborhood. Excellent view of the Mississippi and great place to watch 4th of July fireworks. "
    0
    Flag
  • Heather
    "We don't have many trick or treaters. Busy roads but lots of law enforcement makes me feel safe. Neighbors are all quiet and lawns are well kept."
    0
    Flag
  • Makunefke
    "I've lived here over 4 years, and I love it! Our cul de sac (the Loop) feels like one big family. We look out for and take care of one another. We have a happy mix of families with and without children. We all know how to have a good time without being irresponsible or disrespectful. "
    2
    Flag
  • Brro0601
    "Good people and great houses. It is easy to to do walks at anytime day or night. You are near to schools. I have a health club two blocks away. You can also do your grocery shopping or eat at restaurants four blocks away."
    2
    Flag
  • Boe t.
    "The roads are in poor condition. There’s a prostitute across the street & druggies in several houses/Apartments nearby. Many parents let their kids run free during the day 8am-9pm, so don’t expect sleep if you work overnights. "
    0
    Flag

Market trends in Saint Cloud

Last updated July 2026
Buyer'sMarketSeller'sMarket
Avg. sale price
$262K
$15.02KMoM
Sale-to-List Price
100.0%
Price per sq ft
$127
$2MoM
Available listings
280
36MoM

Home Value

Trulia Estimate
$410K
Since last month
Decreased$2K (-0.5%)
Since last year
Decreased$2K (-0.6%)
Learn more about this home's value by checking out its Trulia Estimate, the value of nearby homes, and how much similar homes have sold for.

Trulia Estimate

The of this home's value decreased by -1% in the last 10 years
MonthEstimated value
2026
August 2026$410K
August 2026$410K
July 2026$412K
June 2026$412K
May 2026$412K

Comparable sales

These are recently sold homes that have a similar location or other similar features to this home, like bedrooms, bathrooms, and square footage. Get a sense of the expected prices in the area by viewing these homes.
Address
Distance
Property Type
Sold Price
Sold Date
Bed
Bath
Sqft
977 45th Ave NE, Saint Cloud, MN
0.03
Single-Family Home
$406,500
02/18/26
4
3.5
2,545
4605 8th St NE, Saint Cloud, MN
0.21
Single-Family Home
$390,800
05/29/26
5
3
2,720
622 47th Ave NE, Saint Cloud, MN
0.38
Single-Family Home
$299,900
02/01/26
4
2.5
2,087
606 47th Ave NE, Saint Cloud, MN
0.38
Single-Family Home
$299,900
10/15/25
4
2.5
2,087
4745 8th Street Loop NE, Saint Cloud, MN
0.21
Single-Family Home
$385,000
01/01/26
5
3
2,865
4739 8th Street Loop NE, Saint Cloud, MN
0.22
Single-Family Home
$376,900
02/06/26
5
3
2,871
664 47th Ave NE, Saint Cloud, MN
0.40
Single-Family Home
$329,900
05/06/26
4
2.5
2,425
609 47th Ave NE, Saint Cloud, MN
0.35
Single-Family Home
$349,900
07/02/26
5
3
2,579
602 47th Ave NE, Saint Cloud, MN
0.39
Single-Family Home
$314,900
11/26/25
4
2.5
2,425
4622 9th St NE, Saint Cloud, MN
0.19
Single-Family Home
$385,000
05/22/26
5
3
2,720

Nearby home prices

Get a sense of expected prices in the area by checking the value of nearby homes.
Address
Distance
Price
Bed
Bath
Sqft
Status
987 45th Ave NE, Saint Cloud, MN 56304
0.01
$415,000
4
3.5
2,545
For Sale
1021 45th Ave NE, Saint Cloud, MN 56304
0.04
$297,600
2
1
1,220
Off Market
1013 45th Ave N #E, Saint Cloud, MN 56304
0.05
$267,900
2
2
1,428
Off Market
977 45th Ave NE, Saint Cloud, MN 56304
0.03
$406,500
4
3.5
2,545
Recently Sold
985 45th Ave NE, Saint Cloud, MN 56304
0.05
$292,900
2
1
1,220
Off Market
1031 45th Ave NE, Saint Cloud, MN 56304
0.07
$344,100
3
2.5
1,953
Off Market
937 45th Ave NE, Saint Cloud, MN 56304
0.03
$265,600
4
3.5
2,267
Off Market
933 45th Ave NE, Saint Cloud, MN 56304
0.03
$276,000
4
3.5
2,334
Off Market
995 45th Ave NE, Saint Cloud, MN 56304
0.09
$347,800
3
2.5
1,953
Off Market
955 45th Ave NE, Saint Cloud, MN 56304
0.06
$353,700
3
2
1,406
Off Market
951 45th Ave NE, Saint Cloud, MN 56304
0.06
$382,000
3
3
3,312
Off Market

Price and Tax history

DateEventPrice
Aug 12, 2026
Source: NorthstarMLS as distributed by MLS GRID #7065907
PriceChange
$410,000
Price decreased by 0%
May 1, 2026
Source: NorthstarMLS as distributed by MLS GRID #7065907
Listed For Sale
$412,000

LGBTQ Local Legal Protections

Rebecca S Nielsen, RE/MAX Results
Agent Phone: (763) 244-6264
Based on information submitted to the MLS GRID as of 2026-08-31 16:13:06 PDT. 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. Some IDX listings have been excluded from this website. Click here for more information
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Frequently asked questions about 981 45th Ave NE

  • What is the estimated monthly payment for 981 45th Ave NE?
    Based on a $410,000 list price with 20% down at today's rates, the estimated monthly payment for 981 45th Ave NE in Saint Cloud, MN is approximately $2,586 (about $2,166 principal & interest, $345 property taxes, and $75 homeowner's insurance). This is an estimate. Actual payment depends on your loan terms.
  • How does the list price for 981 45th Ave NE compare to homes in Saint Cloud?
    981 45th Ave NE in Saint Cloud, MN is listed at $410,000, about 56% above the $262K median sale price in Saint Cloud.
  • What do residents say about Saint Cloud?
    Residents describe Saint Cloud, MN as dog-friendly, well-kept, and easy to park in. Most residents say you need a car. See homes for sale in Saint Cloud, MN.
  • What are the closest schools to 981 45th Ave NE?
    The closest schools to 981 45th Ave NE in Saint Cloud, MN are Mississippi Heights Elementary School (rated 6/10), Sauk Rapids-Rice Middle School (rated 4/10), Sauk Rapids-Rice Senior High School (rated 6/10).
  • Does 981 45th Ave NE have air conditioning?
    Yes, 981 45th Ave NE in Saint Cloud, MN has air conditioning.
  • Does 981 45th Ave NE have laundry facilities?
    Yes, 981 45th Ave NE in Saint Cloud, MN has in-unit laundry.
981 45th Ave NE, Saint Cloud, MN 56304 is a 4 bedroom, 4 bathroom, 2,545 sqft single-family home built in 2026. This property is currently available for sale and was listed by NorthstarMLS as distributed by MLS GRID on May 1, 2026. The MLS # for this home is MLS# 7065907.