16634 Hightop Way NW
Cass Lake, MN, 56633 $ 829,900
Bedrooms3 Baths2.1 Sq 2,952 Monthly Estimate*
$ 5,732
for $829,900 with 3 bedrooms and 2 full baths, 1 half bath. This 2,952 square foot home was built in 2024 on a lot size of 0.22.
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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FeaturesGeneralLiving Area 2952
Sewer Private Sewer Septic System Compliant - Yes Shared Septic
Heating Forced Air
Cooling Central Air
Roof Age 8 Years or Less Architectural Shingle Asphalt
Appliances Dishwasher Dryer Microwave Range Refrigerator Stainless Steel Appliances Wall Oven Wine Cooler
HOA Fee 4300
Garage Spaces 2
Association Fee Includes Beach Access Controlled Access Dock Lawn Care Recreation Facility Sanitation Sewer Shared Amenities Snow Removal Water
Pool Features Below Ground Heated Outdoor Shared
Construction Materials Frame
Year Built 2024
View Bay
Levels Two
Property Subtype Single Family
Tax Year 2025
Waterfront Features Association Access Lake Front Lake View
Accessibility None
Assoc Fee Paid Per Annually
County Cass
New Construction N
Property Type Residential
Association Amenities Beach Other Patio Porch
HOA Y
Contingency None
Subdivision Name Toms Harbor
Full Baths 1
Directions Hwy 2 to 61st Ave to tom's harbor on the right. Go straight to property on the left side.
City Cass Lake
Association Name Toms Harbor Owners Association
High School District Cass Lake-Bena Schools
Zoning Description Residential-Single Family
Lot Size Units Acres
Property Attached Y/N N
Land Lease Y/N N
Tax Annual Amount 3910
Additional Parcels Y/N N
Standard Status Active
Lender Owned No
Amenities Unit Ceiling 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
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InteriorBasement None
Total Fireplaces 1
Fireplace Features Electric
Basement (Y/N) N
Fireplace Y/N Y
Above Grade Finished Area 2952
Half Baths 1
1/4 Baths 0
3/4 Baths 1
Laundry Features In Unit Upper Level
Total Bedrooms 3
Below Grade Finished Area 0
Total Baths 3
Bath Desc 3/4 Jack & Jill Bathroom Ensuite Full Primary Private Primary Main Floor 1/2 Bath Upper Level Full Bath
Dining Room Description Breakfast Bar Separate/Formal Dining Room
Foundation Dimensions 80x28
Fuel Natural Gas
Garage Dimensions 26x35
Garage Square Feet 914
Waterfront Feet 2896
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ExteriorParking Features Attached Garage Driveway - Other Surface
Lot Features Cleared
Water Source Shared System Well
Lot Size Area 0.22
Building Area Total 3808
Lot Dimensions 110x88
Waterfront Y/N Y
Foundation Area 2240
Road Frontage Type Cul De Sac No Outlet/Dead End
Road Responsibility Association Maintained Road
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* Excluded FeaturesList ByHeadwaters Realty Services LlcBroker
jillrealtorlarson@gmail.comEmail
Affordability Calculator
- Monthly Principal & Interest
- $5,732
- Monthly Property Taxes
- $326
- Monthly Home Insurance
- --
Default based on a 30-year fixed rate of 7.375% with 20% down. The estimated payment is offered for convenience and is not an offer of credit. Due to market fluctuations, interest rates are subject to change at any time and without notice. Your individual rate may vary. Rates may differ for FHA, VA or jumbo loans.
Learn more about how to save NearbySingle family listings in Cass Lake, MN
Average List Price $443,229
Percent of Sale Price 47%
About Cass Lake, MN 792 Population
-7% Since 2002
$ 36,306 Median Income
33.76 Median Age
32% Households with Children
Trends Information provided by ATTOM Data Solutions.
3048667 Elementary School
3048675 Middle School
Unknown High School High School
Pricing History| Date | Price | Price Change | Description |
|---|
| 9/9/2026 | $829,900 | -1.19% | Price Down |
| 8/3/2026 | $839,900 | | Listed Price |