Sold / Closed
$2,500,000

Sold price · Closed Jun 30, 2026

$419/sqft

Clay Cliffe

45 Clay Cliffe Drive, Tonka Bay, MN, 55331
6  Bedrooms6  Bathrooms6,321  Square Feet0.65  Acres
Days on market10
Year built1985
Garage spaces4
HOA / month$1,000
TypeResidential
Est. $76,500buyer credit when you buy with SODL

About this home

Introducing 45 Clay Cliffe Drive in beautiful Tonka Bay, Minnesota. Located within the prestigious Clay Cliffe neighborhood, the only gated community on Lake Minnetonka, this exceptional residence includes a private dock and offers an unparalleled blend of luxury, privacy, and lake lifestyle amenities. Nestled on 0.65 acres with mature trees, this stunning two-story home features six bedrooms, six bathrooms, and 6,321 finished square feet thoughtfully designed for both everyday living and unforgettable entertaining. Filled with natural light, the open and versatile floor plan showcases modern finishes, artistic lighting, intricate tile and stonework, and a sophisticated mix of flooring and wall coverings that create warmth and elegance throughout. Expansive living spaces provide the perfect setting for gathering with family and friends, while the home’s exceptional design leaves a lasting impression at every turn. The main level features a chef-inspired kitchen, formal and informal entertaining spaces, dining room, new home theater, main floor laundry and guest suite. Upstairs, the luxurious primary suite offers a spa-like bathroom and private balcony retreat. Three additional bedrooms, three bathrooms, secondary laundry, and rooftop sundecks complete the upper level. Outside, enjoy the beautifully landscaped grounds, spacious patio, and four-car attached garage. Residents of Clay Cliffe enjoy year-round lawn and snow service, exclusive access to a shared lakeside gazebo, and two tennis courts. This property is minutes from the shopping, dining, and charm of downtown Excelsior. Located in award-winning Minnetonka School District. Incredible opportunity get into the highly desirable Clay Cliffe neighborhood.

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Home facts

Property typeResidential
Property subtypeSingle Family
Year built1985
LevelsTwo
Living area6,321 sqft
Above-grade finished6,321 sqft
Below-grade finished0 sqft
Lot size0.65 acres (143x196x146x193)
Days on market10
ListedMay 15, 2026
MLS #NST7074173
CountyHennepin
SubdivisionClay Cliffe
Parcel #2811723210022

Facts & features

Interior

Bedrooms
6
Bathrooms
6
Bath breakdown
2 full / 3 3/4 / 1 half
Heating
Forced Air, Fireplace(s), In-Floor Heating
Cooling
Central Air, Zoned
Appliances
Chandelier, Cooktop, Dishwasher, Disposal, Double Oven, Dryer, Exhaust Fan, Microwave, Refrigerator, Wall Oven, Washer

Property

Levels / stories
Two
Garage
4 spaces · 46x28 · 1,110 sqft
Parking features
Attached Garage, Carport, Concrete, Garage Door Opener, Heated Garage, Insulated Garage
Patio & porch
Covered, Deck, Patio, Terrace
Exterior features
Stone, Wood
Fencing
Other

Construction

Property type
Residential
Property subtype
Single Family
Foundation
Poured Concrete · 3,935 sqft
Roof
Age 8 Years or Less, Asphalt
Year built
1985

Utilities

Water
City Water/Connected
Sewer
City Sewer/Connected
Fuel
Natural Gas

Community & HOA

Subdivision
Clay Cliffe
HOA
$1,000/quarter
HOA name
Clay Cliffe Homeowners Association
HOA phone
9876543210
HOA includes
Controlled Access, Dock, Lawn Care, Other, Professional Mgmt, Shared Amenities, Snow Removal
School district
276 - Minnetonka

Financial & listing details

Annual tax
$32,703 (2026)
Listed
May 15, 2026
Days on market
10
Manufactured home
Yes

Interior details

Total bathrooms6
Full baths2
3/4 baths3
Half baths1
1/4 baths0
BasementNone
HeatingForced Air, Fireplace(s), In-Floor Heating
CoolingCentral Air, Zoned
Fireplaces2
LaundryLaundry Room, Main Level, Upper Level
AppliancesChandelier, Cooktop, Dishwasher, Disposal, Double Oven, Dryer, Exhaust Fan, Microwave, Refrigerator, Wall Oven, Washer
DiningBreakfast Bar, Breakfast Area, Eat In Kitchen, Kitchen/Dining Room, Living/Dining Room
AmenitiesBalcony, Deck, Hardwood Floors, Kitchen Center Island, Primary Bedroom Walk-In Closet, Main Floor Primary Bedroom, Patio, Sauna, Security System, Boat Slip, In-Ground Sprinkler, Tile Floors, Washer/Dryer Hookup, Wet Bar, Walk-In Closet
AccessibilityNone
Special features3 BR on One Level, All Living Facilities on One Level, Main Floor Bedroom, Main Floor Laundry, Primary Bdr Suite

Exterior & lot

ExteriorStone, Wood
RoofAge 8 Years or Less, Asphalt
FoundationPoured Concrete
Foundation area3,935 sqft
Patio/porchCovered, Deck, Patio, Terrace
Lot featuresAccessible Shoreline, Irregular Lot, Tree Coverage - Medium
Road frontageNo Outlet/Dead End, Paved Streets, Private Road
Road responsibilityAssociation Maintained Road
ZoningResidential-Single Family

Utilities

Water sourceCity Water/Connected
SewerCity Sewer/Connected
FuelNatural Gas

Parking & garage

ParkingAttached Garage, Carport, Concrete, Garage Door Opener, Heated Garage, Insulated Garage
Garage spaces4
Garage size1,110 sqft

Financial details

Annual taxes$32,703
Tax year2026
Taxes w/ assessments32703
Assessment pendingNo
HOA fee$1,000
Lender ownedNo
Short saleNo
ForeclosureNo

Schools

District276 - Minnetonka
District number276
District phone9524015000
High schoolMinnetonka
SODL flat fee brokerage
$76,500Estimated buyer credit
SODL platform fee $3,000Your buyer credit $76,500

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

$18,535/mo
Principal & interest$13,927
Property taxes$2,725
Home insurance (est.)$883
HOA fees$1,000
%
$530,000
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

45 Clay Cliffe Drive, Tonka Bay, MN, 55331

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Listing information

MLS #NST7074173
StatusClosed
Last updatedAug 27, 2026, 12:00 PM
Originally listedMay 15, 2026, 10:16 AM
Listing officeCompass
Co-listing officeCompass

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.