1108 45th Ave NE, Saint Cloud, MN, 56304
About This Home
Welcome home to this stunning end-unit townhome built by local builder Heartland Homes, located in the highly sought after Water’s Edge neighborhood of St Cloud. This thoughtfully designed home features three sides of windows, a deck, and 3 beds on one level! Step inside to a spacious foyer with an entry closet, leading upstairs to a vaulted great room that flows seamlessly into the kitchen and informal vaulted dining room. The kitchen offers ample cabinet & counter space, a center island, Sherwin Williams Felted Wool cabinets with black hardware, and modern appliances including a range, refrigerator, microwave and dishwasher. Upstairs, you’ll find three bedrooms on one level, including a spacious primary suite with a private full bath featuring a dual sink vanity with cultured marble countertops. Another full bath serves the additional bedrooms. Throughout the home, you’ll find Sherwin Williams Drift of Mist paint, White Dove millwork, and quality finishes that give a timeless, modern look. Additional highlights include a concrete driveway and the peace of mind that comes with brand new construction! Room for expansion by finishing the lower level! Enjoy the neighborhood’s miles of walking trails, and the community park! Located less than 3 miles from Territory Golf Course! Quick access to downtown St. Cloud! Sauk Rapids school district!
Getting Around
Car-Dependent
Very Limited Transit
Somewhat BikeableSchools
Construction
Condition
- New construction: Yes
- Year built: 2025
Materials
- Roof: Age 8 Years or Less
Other
- Builder name: HEARTLAND ACRES INC
Type & Style
- Home type: Townhouse
- Property subType: (TH) Side x Side
Interior
Appliances
- Appliances included: Dishwasher,Microwave,Range,Refrigerator
Basement
- Has basement: Yes
- Basement: Unfinished
Bedroom
- Level: Upper
- Area: 156
- Dimensions: 12x13
Bedroom2
- Level: Upper
- Area: 121
- Dimensions: 11x11
Bedroom3
- Level: Upper
- Area: 130
- Dimensions: 10x13
Bedrooms & Bathrooms
- Bedrooms: 3
- Bathrooms: 2
- Full bathrooms: 2
Dining Room
- Level: Main
- Area: 120
- Dimensions: 12x10
Features
- Finished area below ground: 0
- Finished area above ground: 1,300
Great Room
- Level: Main
- Area: 210
- Dimensions: 14x15
Heating & Cooling
- Heating features: Forced Air
- Cooling features: Central Air
Interior Area
- Total structure area: 1,999
- Total interior livable area: 1,999 sqft
Kitchen
- Level: Main
- Area: 110
- Dimensions: 10x11
Property
Accessibility
- Accessibility features: None
Details
- Parcel number: 170215900
- Attached to another structure: Yes
- Zoning description: Residential-Single Family
- Foundation area: 699
Features
- Levels: Three Level Split
Lot
- Lot size: 3,310 sqft
- Lot size dimensions: 34 x 98
Parking
- Total spaces: 2
- Parking features: Attached,Tuckunder Garage
- Has garage: Yes
- Attached garage spaces: 2
- Covered spaces: 2
Climate Risk is Financial Risk
Every home has a financial story beyond the listing price. Below, you’ll see the climate risks that could affect this property — and in Bills & Affordability, how those risks may influence repairs, insurance, utilities, and long-term value.
Biggest Threats for This Home
- Strong Wind
- Cold Wave
- Hail
- Lightning
- Tornado
- Winter Weather
How This Home’s Risks Compare
FEMA Declared Disasters in Benton County and Minnesota
Understanding the Costs
Financial advisors generally recommend spending no more than 30% of your gross household income on housing costs. In practice, many households stretch to 35% or beyond — especially in high-cost markets.
Estimated Costs Today
| Monthly | Annual | |
|---|---|---|
| Mortgage | $1,465 | $17,580 |
| Home Insurance * | $218 | $2,616 |
| Property Taxes | $222 | $2,664 |
| Electricity | $170 | $2,050 |
| Total | $2,075 | $24,900 |
Income You'd Need if You Spent...
Minnesota FAIR Plan Programs
How Costs Could Change Over Time
Climate risk is quickly impacting all of the major home ownership costs. Adjust the growth rates and percentage of income spent on housing below to see how your housing costs could change over the next 10 years — and what income you'd need to keep up.
Comparing Against the Market
Price Per Sq Ft
vs Other Active Listings
Avg $/sqft
vs Homes Sold Last Month
Median $/sqft
Current Market Trends
Median Price Per Square Foot
The median price per square foot of homes sold in this area each month. Compare this to this listing's price per square foot to gauge whether the home is priced in line with recent sales.
Historicals for This Listing
Zestimate History ($/sqft)
Price History
| Date | Event | Price |
|---|---|---|
| 2026-01-28 | Price change | $289,900 |
| 2025-10-24 | Listed for sale | $299,900 |
View on Zillow