Formula for discretely compounded account is f = 


where f is the future value
      P is the present value
      r is the interest rate per time period
      n is the number of time periods.


Your time periods are in months.


p is unknown under the question.
r = 4.5% / 12 = 0.045/12.
n = 12 years * 12 = 144 months (time periods).


Formula becomes 25000 = .


From the formula, the required investment is  P =  = 14583.43  dollars.    ANSWER