
Toms Harbor
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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
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
Exterior & lot
Utilities
Parking & garage
Financial details
Schools
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
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
Listing information provided courtesy of the MLS. This information is deemed reliable but is not guaranteed.
