Listed at
$829,900
$281/sqft

Toms Harbor

16634 Hightop Way, Cass Lake, MN, 56633
3  Bedrooms3  Bathrooms2,952  Square Feet0.22  Acres
Days on market56
Year built2024
Garage spaces2
HOA / month$4,300
TypeResidential
Est. $21,897buyer credit when you buy with SODL
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About this home

Welcome to elevated lake living in the premier development of Tom’s Harbor on the highly sought-after Cass Lake Chain of Lakes. You'll enjoy having your boat in the protected harbor in your boat slip. This upscale home was skillfully built by Zetah Construction in the summer of 2024. The thoughtfully designed custom layout offers 3 bedrooms and 3 bathrooms with high-end finishes throughout. From the moment you step inside, you’ll appreciate the spacious entryway with access to a convenient half bath and the attached garage. The attached garage offers ample space for vehicles and all your lake toys. The open-concept main level is designed for both comfort and entertaining, featuring a cozy living room with a fireplace and a stunning kitchen complete with Cambria countertops, custom cabinetry, double wall oven, a large center island, and a butler’s pantry with a wine cooler to keep everything neatly tucked away. The dining room is an extension of the kitchen offering even more space for gathering and entertaining. Just off the living room you'll step into the sun porch. It is a standout feature and a great flex space that could be used as additional sleeping space, family room, or office. It is complete with a garage door to easily bring the outdoors in. This allows views of the back yard patio that is protected by a canopy of mature trees and leading to a backyard fire pit. Custom wrought iron railings by Cass Lake Metal add a one-of-a-kind, handcrafted touch leading to the Upper level. Upstairs, you’ll find three spacious bedrooms, including a walk-through bathroom connecting bedrooms two and three with dual vanity. A conveniently located laundry room is spacious offering more storage space and sits amidst the 3 bedrooms. The massive primary suite is a true showstopping retreat, featuring two large walk-in closets, a private sitting area, and a spa-like bathroom with a soaking tub, tiled walk-in shower, dual vanity, and custom cabinetry. The perfect place to relax. As a member of the Tom’s Harbor community, enjoy exceptional amenities including a heated in ground pool, community room with billiards and kitchen facility, fish cleaning house, walking trails, beach, and approximately 50+ acres of shared green space. This lake chain features 8 interconnected lakes and over 25,000 acres of water to explore, fish, and enjoy year-round. Spend your days boating to nearby famous Star Island, relaxing at sandbars, or cruising to local restaurants. To savor every sweet moment of your days and to make this property even better, lawn care and snow removal are included, allowing you to move right in and enjoy the up north Minnesota lake life without the hassle of exterior maintenance and chores. This is a rare opportunity to own a custom luxury built home with high end finishes, resort-style amenities, and access to one of northern Minnesota’s premier lake chains.

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Home facts

Property typeResidential
Property subtypeSingle Family
Year built2024
LevelsTwo
Living area2,952 sqft
Above-grade finished2,952 sqft
Below-grade finished0 sqft
Lot size0.22 acres (110x88)
Days on market56
ListedAug 3, 2026
MLS #NST7119473
CountyCass
SubdivisionToms Harbor
Parcel #293620137

Facts & features

Interior

Bedrooms
3
Bathrooms
3
Bath breakdown
1 full / 1 3/4 / 1 half
Heating
Forced Air
Cooling
Central Air
Appliances
Dishwasher, Dryer, Microwave, Range, Refrigerator, Stainless Steel Appliances, Wall Oven, Wine Cooler

Property

Levels / stories
Two
Garage
2 spaces · 26x35 · 914 sqft
Parking features
Attached Garage, Driveway - Other Surface
Patio & porch
Enclosed, Glass Enclosed, Patio, Side Porch
Exterior features
Other
Pool
Below Ground, Heated, Outdoor, Shared

Construction

Property type
Residential
Property subtype
Single Family
Construction materials
Frame
Foundation
Slab · 2,240 sqft
Roof
Age 8 Years or Less, Architectural Shingle, Asphalt
Year built
2024

Utilities

Water
Shared System, Well
Sewer
Private Sewer, Septic System Compliant - Yes, Shared Septic
Fuel
Natural Gas

Community & HOA

Subdivision
Toms Harbor
HOA
$4,300/annual
HOA name
Toms Harbor Owners Association
HOA phone
2187603116
HOA includes
Beach Access, Controlled Access, Dock, Lawn Care, Recreation Facility, Sanitation, Sewer, Shared Amenities, Snow Removal, Water
HOA amenities
Beach, Other, Patio, Porch

Financial & listing details

Annual tax
$3,910 (2025)
Tax with assessments
0
Listed
Aug 3, 2026
Days on market
56 · 126 cumulative
Manufactured home
Yes

Interior details

Total bathrooms3
Full baths1
3/4 baths1
Half baths1
1/4 baths0
BasementNone
HeatingForced Air
CoolingCentral Air
Fireplaces1
LaundryIn Unit, Upper Level
AppliancesDishwasher, Dryer, Microwave, Range, Refrigerator, Stainless Steel Appliances, Wall Oven, Wine Cooler
DiningBreakfast Bar, Separate/Formal Dining Room
AmenitiesCeiling Fan(s), Dock, Hot Tub, Kitchen Center Island, Kitchen Window, Primary Bedroom Walk-In Closet, Patio, Paneled Doors, Boat Slip, Tile Floors, Vaulted Ceiling(s), Washer/Dryer Hookup
AccessibilityNone
Special features3 BR on One Level

Exterior & lot

ExteriorOther
RoofAge 8 Years or Less, Architectural Shingle, Asphalt
FoundationSlab
Foundation area2,240 sqft
Patio/porchEnclosed, Glass Enclosed, Patio, Side Porch
Lot featuresCleared
Road frontageCul De Sac, No Outlet/Dead End
Road responsibilityAssociation Maintained Road
ZoningResidential-Single Family

Utilities

Water sourceShared System, Well
SewerPrivate Sewer, Septic System Compliant - Yes, Shared Septic
FuelNatural Gas

Parking & garage

ParkingAttached Garage, Driveway - Other Surface
Garage spaces2
Garage size914 sqft

Financial details

Annual taxes$3,910
Tax year2025
Taxes w/ assessments0
Assessment pendingNo
HOA fee$4,300
Down payment resourceYes
Lender ownedNo
Short saleNo
ForeclosureNo

Schools

District115 - Cass Lake-Bena Schools
District number115
District phone2183352204
High schoolCass Lake-Bena Schools
SODL flat fee brokerage
$21,897Estimated buyer credit
SODL platform fee $3,000Your buyer credit $21,897

How SODL buyer credits work

When you buy with SODL, the brokerage charges a flat $3,000 platform fee at closing. The remaining buyer-side commission (typically 3% of the purchase price) is credited directly back to you at closing, reducing the cash you bring to the table.

  • Tour homes with SODL’s flexible showing network
  • Submit offers and manage your transaction through the platform
  • Keep more money at closing through transparent flat-fee pricing

A clear, modern way to buy with expert guidance and meaningful savings.

Estimated monthly payment

$9,264/mo
Principal & interest$4,361
Property taxes$326
Home insurance (est.)$277
HOA fees$4,300
%
$165,980
0%50%
Credit score
Loan term

These payment estimates are for illustration purposes only and may vary based on your lender, interest rate, credit profile, down payment, taxes, insurance, and loan terms. For a more accurate monthly payment estimate, speak with your lender or connect with SODL’s preferred lending partner.

Location

16634 Hightop Way, Cass Lake, MN, 56633

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Listing information

MLS #NST7119473
StatusActive
Last updatedSep 11, 2026, 10:09 AM
Originally listedAug 3, 2026, 11:51 AM
Listing officeHeadwaters Realty Services LLC

Listing information provided courtesy of the MLS. This information is deemed reliable but is not guaranteed.

Based on information submitted to the MLS GRID. 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.