Does this property have an HOA?

Yes. The HOA fee is $4,000 per month.

What are the annual property taxes?

Annual property taxes are $3,018 (2024).

What school district is this property in?

This property is in the 115 - Cass Lake-Bena Schools school district.

Does this home have a garage?

Yes, this home has a 2-car garage.

How long has this property been on the market?

This property has been listed for 171 days.

Listed at

$535,000

$398/sqft

Toms Harbor

5845 Harbor View Drive, Cass Lake, MN, 56633

3 Bedrooms2 Bathrooms1,344 Square Feet0.11 Acres

Days on market171

Year built2007

Garage spaces2

HOA / month$4,000

TypeResidential

Est. $13,050buyer credit when you buy with SODL

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About this home

Discover lakeside living at Tom's Harbor CIC on Cass Lake! This 3BR/2BA, one-level gem offers an open floor plan, beautiful kitchen, cozy gas fireplace, in-floor heat, and a covered porch. Enjoy easy outdoor entertaining on the patio and direct access to your boat slip. Relax in a quiet, secure neighborhood with amenities like Tom’s swimming pool, recreation hall, fish cleaning house, and beach area. Say goodbye to mowing and snow removal hassles. Dive into the lake life with nearby Star Island, Lake Windigo, Cedar Island sand bar, and boat rides to local spots.

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Home facts

Property typeResidential

Property subtypeSingle Family

Year built2007

LevelsOne

Living area1,344 sqft

Above-grade finished1,344 sqft

Below-grade finished0 sqft

Lot size0.11 acres (44x110)

Days on market171

ListedApr 9, 2026

MLS #NST7053011

CountyCass

SubdivisionToms Harbor

Parcel #293620108

Facts & features

Interior

Bedrooms: 3
Bathrooms: 2
Bath breakdown: 1 full / 1 3/4
Heating: Forced Air, Fireplace(s)
Cooling: Central Air
Basement: None · 0 sqft finished

Property

Levels / stories: One
Garage: 2 spaces · 728 sqft
Parking features: Detached Garage, Concrete, Garage Door Opener
Patio & porch: Covered, Deck
Exterior features: Log Siding
Pool: Below Ground, Outdoor, Shared

Construction

Property type: Residential
Property subtype: Single Family
Construction materials: Frame
Foundation: None · 1,344 sqft
Roof: Age Over 8 Years, Asphalt
Year built: 2007

Utilities

Water: Shared System
Sewer: Shared Septic
Fuel: Natural Gas

Community & HOA

Subdivision: Toms Harbor
HOA: $4,000/annual
HOA name: Vince Accardo
HOA phone: 8176832151
HOA includes: Beach Access, Dock, Electricity, Hazard Insurance, Lawn Care, Recreation Facility, Sanitation, Shared Amenities, Snow Removal
HOA amenities: Beach, Boat Slip, Dock, In-Ground Sprinkler System, Patio

Financial & listing details

Annual tax: $3,018 (2024)
Listed: Apr 9, 2026
Days on market: 171 · 417 cumulative
Manufactured home: Yes

Interior details

Total bathrooms2

Full baths1

3/4 baths1

Half baths0

1/4 baths0

BasementNone

HeatingForced Air, Fireplace(s)

CoolingCentral Air

DiningKitchen/Dining Room

AmenitiesKitchen Center Island, Main Floor Primary Bedroom, Natural Woodwork, Boat Slip, Vaulted Ceiling(s), Washer/Dryer Hookup

AccessibilityNone

Special features3 BR on One Level, All Living Facilities on One Level

Exterior & lot

ExteriorLog Siding

RoofAge Over 8 Years, Asphalt

FoundationNone

Foundation area1,344 sqft

Patio/porchCovered, Deck

Lot featuresAccessible Shoreline, Tree Coverage - Light

Road frontagePrivate Road

Road responsibilityAssociation Maintained Road

ZoningResidential-Single Family

Utilities

Water sourceShared System

SewerShared Septic

FuelNatural Gas

Parking & garage

ParkingDetached Garage, Concrete, Garage Door Opener

Garage spaces2

Garage size728 sqft

Financial details

Annual taxes$3,018

Tax year2024

Taxes w/ assessments3018

Assessment pendingNo

HOA fee$4,000

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

$13,050Estimated buyer credit

SODL platform fee $3,000Your buyer credit $13,050

Buyer-side commission

3.0%

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

$7,241/mo

Principal & interest$2,812

Property taxes$252

Home insurance (est.)$178

HOA fees$4,000

Down payment

$107,000

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.