# 981 45th Avenue NE, Saint Cloud, MN 56304

> **TL;DR:** 4bd/4ba single family, $410,000 ($161/sqft), built 2026, 2,545 sqft.
> A/C, 2-car garage. Est. $2,311/mo. Listed 147 days.

## Property at a Glance

| Attribute | Value |
|-----------|-------|
| Price | $410,000 |
| Price/sqft | $161 |
| Bedrooms | 4 |
| Bathrooms | 1 full, 1 half |
| Square Feet | 2,545 |
| Year Built | 2026 |
| Lot Size | 6,098 sqft (0.14 acres) |
| Garage | 2-car |
| Property Type | Single Family (Other) |
| Status | Active |
| Days on Market | 147 |

## Estimated Monthly Costs

| Category | Amount |
|----------|--------|
| Principal & Interest (20% down, 30-year at 6.5%) | $2,073 |
| Estimated Insurance | $120 |
| HOA | $118 |
| **Total** | **$2,311** |

## Key Amenities

- A/C
- 2-car garage

## Property Highlights

- Built in 2026
- 0.14 acre lot

## Description

### Agent Description
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!

## Location

- **Address:** 981 45th Avenue NE, Saint Cloud, MN 56304
- **County:** Benton
- **Neighborhood:** Whispering Meadows
- **Coordinates:** 45.576724, -94.0719
- **Google Maps:** https://www.google.com/maps?q=45.576724,-94.0719

## Listing Agent

- **Name:** Rebecca S Nielsen
- **Brokerage:** RE/MAX Results
- **Phone:** (952) 829-2900
- **Broker Phone:** (952) 829-2900
- **Listing URL:** [View original listing](https://www.realtor.com/realestateandhomes-detail/981-45th-Ave-NE_Saint-Cloud_MN_56304_M87809-24324?f=listhub&s=RMLSMN&m=7065907&c=propsimple)

## Photos

![981 45th Avenue NE - Photo 1](http://lh.rdcpix.com/1e8c86caae47f2d44b5cdae258bb6566l-f4254342547r.jpg)

![981 45th Avenue NE - Photo 2](http://lh.rdcpix.com/1e8c86caae47f2d44b5cdae258bb6566l-f1838906418r.jpg)

![981 45th Avenue NE - Photo 3](http://lh.rdcpix.com/1e8c86caae47f2d44b5cdae258bb6566l-f858495391r.jpg)

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![981 45th Avenue NE - Photo 5](http://lh.rdcpix.com/1e8c86caae47f2d44b5cdae258bb6566l-f2637114730r.jpg)

![981 45th Avenue NE - Photo 6](http://lh.rdcpix.com/1e8c86caae47f2d44b5cdae258bb6566l-f4180305278r.jpg)

![981 45th Avenue NE - Photo 7](http://lh.rdcpix.com/1e8c86caae47f2d44b5cdae258bb6566l-f3123275812r.jpg)

![981 45th Avenue NE - Photo 8](http://lh.rdcpix.com/1e8c86caae47f2d44b5cdae258bb6566l-f73628350r.jpg)

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![981 45th Avenue NE - Photo 11](http://lh.rdcpix.com/1e8c86caae47f2d44b5cdae258bb6566l-f761645182r.jpg)

![981 45th Avenue NE - Photo 12](http://lh.rdcpix.com/1e8c86caae47f2d44b5cdae258bb6566l-f884610144r.jpg)

![981 45th Avenue NE - Photo 13](http://lh.rdcpix.com/1e8c86caae47f2d44b5cdae258bb6566l-f946276921r.jpg)

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![981 45th Avenue NE - Photo 31](http://lh.rdcpix.com/1e8c86caae47f2d44b5cdae258bb6566l-f2729948108r.jpg)

![981 45th Avenue NE - Photo 32](http://lh.rdcpix.com/1e8c86caae47f2d44b5cdae258bb6566l-f1575480708r.jpg)

![981 45th Avenue NE - Photo 33](http://lh.rdcpix.com/1e8c86caae47f2d44b5cdae258bb6566l-f2741317524r.jpg)

![981 45th Avenue NE - Photo 34](http://lh.rdcpix.com/1e8c86caae47f2d44b5cdae258bb6566l-f891941088r.jpg)

![981 45th Avenue NE - Photo 35](http://lh.rdcpix.com/1e8c86caae47f2d44b5cdae258bb6566l-f3936950430r.jpg)

![981 45th Avenue NE - Photo 36](http://lh.rdcpix.com/1e8c86caae47f2d44b5cdae258bb6566l-f3169657643r.jpg)

![981 45th Avenue NE - Photo 37](http://lh.rdcpix.com/1e8c86caae47f2d44b5cdae258bb6566l-f3553865415r.jpg)

![981 45th Avenue NE - Photo 38](http://lh.rdcpix.com/1e8c86caae47f2d44b5cdae258bb6566l-f1257348845r.jpg)

![981 45th Avenue NE - Photo 39](http://lh.rdcpix.com/1e8c86caae47f2d44b5cdae258bb6566l-f3277169125r.jpg)

![981 45th Avenue NE - Photo 40](http://lh.rdcpix.com/1e8c86caae47f2d44b5cdae258bb6566l-f1779467953r.jpg)

![981 45th Avenue NE - Photo 41](http://lh.rdcpix.com/1e8c86caae47f2d44b5cdae258bb6566l-f359322118r.jpg)

![981 45th Avenue NE - Photo 42](http://lh.rdcpix.com/1e8c86caae47f2d44b5cdae258bb6566l-f3416432321r.jpg)

![981 45th Avenue NE - Photo 43](http://lh.rdcpix.com/1e8c86caae47f2d44b5cdae258bb6566l-f1748977008r.jpg)

![981 45th Avenue NE - Photo 44](http://lh.rdcpix.com/1e8c86caae47f2d44b5cdae258bb6566l-f3948383409r.jpg)

![981 45th Avenue NE - Photo 45](http://lh.rdcpix.com/1e8c86caae47f2d44b5cdae258bb6566l-f2962003211r.jpg)

![981 45th Avenue NE - Photo 46](http://lh.rdcpix.com/1e8c86caae47f2d44b5cdae258bb6566l-f359322118r.jpg)

![981 45th Avenue NE - Photo 47](http://lh.rdcpix.com/1e8c86caae47f2d44b5cdae258bb6566l-f2196831882r.jpg)

![981 45th Avenue NE - Photo 48](http://lh.rdcpix.com/1e8c86caae47f2d44b5cdae258bb6566l-f3553865415r.jpg)

![981 45th Avenue NE - Photo 49](http://lh.rdcpix.com/1e8c86caae47f2d44b5cdae258bb6566l-f1257348845r.jpg)

![981 45th Avenue NE - Photo 50](http://lh.rdcpix.com/1e8c86caae47f2d44b5cdae258bb6566l-f3980809553r.jpg)

![981 45th Avenue NE - Photo 51](http://lh.rdcpix.com/1e8c86caae47f2d44b5cdae258bb6566l-f1790464503r.jpg)

![981 45th Avenue NE - Photo 52](http://lh.rdcpix.com/1e8c86caae47f2d44b5cdae258bb6566l-f220366113r.jpg)

![981 45th Avenue NE - Photo 53](http://lh.rdcpix.com/1e8c86caae47f2d44b5cdae258bb6566l-f2749781457r.jpg)

![981 45th Avenue NE - Photo 54](http://lh.rdcpix.com/1e8c86caae47f2d44b5cdae258bb6566l-f416653797r.jpg)

![981 45th Avenue NE - Photo 55](http://lh.rdcpix.com/1e8c86caae47f2d44b5cdae258bb6566l-f2887416287r.jpg)

---

**MLS#:** 7065907 | **Updated:** 2026-09-22
**Source:** listhub

*Copyright © 2026 Northstar MLS. All rights reserved. All information provided by the listing agent/broker is deemed reliable but is not guaranteed and should be independently verified.*

[View on PropertySimple](https://www.propertysimple.ai/listing/981-45th-avenue-ne-saint-cloud-mn-56304-7065907)

---

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