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16634 Hightop Way NW, Cass Lake, MN 56633

$889,500

Tom's Harbor the community where you will enjoy easy living and the protected boat harbor and slips

Virtual Tour

https://player.vimeo.com/video/1175626996

A view from the back yard, fire pit is in!

Large Entryway with a 1/2 bath just off the attached garage.

The living room has lots of space for relaxing

Lots of natural light floods the open concept layout

The sun room is a beautiful finished living space just off of the living room. The garage door is great for bringing large items in and also for enjoying the weather!

When weather keeps you inside, this living room is the perfect place to relax.

Cambria countertops, stainless appliance package

Double wall oven and a stainless appliance package complete the chefs kitchen

A Butler's pantry- complete with a sink, lots of storage and a wine cooler is the chef's kiss

Custom built cabinetry with convenient drawer storage

Large custom center island with Cambria counter tops

Just off of the kitchen is the Butler's pantry, cleverly hidden with a pocket door

Dining Room adjoins the spacious kitchen

Gas cooktop with bonus side griddle, makes preparing meals easier! Cambria countertops and tiled backsplash tie the kitchen finishes together.

Center Island is great for extra seating.

This custom built home has every detail well carried out from the wrap around concrete sidewalk to the covered entry, to the concrete patio just off of the hot tub/sun room

From the lake looking to the boat harbor

Custom built new in 2024, adjoining lot to the left is included.

An aerial view of the home with the vacant lot that is included

This garage door leads to the Sunroom where the hot tub is located.

You will appreciate the extra storage spaces throughout

The laundry room is on the same floor as all 3 bedrooms.

Laundry with additional storage and sink.

This Hallway located within the primary suite leads to the spa like bathroom

The large primary suite is a private oasis with 2 large walk in closets.

Large Primary suite with walk in closets and private bathroom

Spacious primary suite is a space for relaxation after a day on the water.

The windows allow panoramic views of Cass Lake

Custom built large tiled walk in shower in the primary suite

Custom built cabinetry with dual vanities

Bathroom #2 is situated between bedroom #2 and Bedroom #3. This is a walk through 3/4 bathroom also with dual sink vanity

Property Type: Residential Bedrooms: 3 Baths: 3 Square Footage: 3,808 Lot Size (sq. ft.): 9,583 Status: Active

Current Price: $889,500 List Date: 3/23/2026 Last Modified: 6/09/2026

Overview

Description

Welcome to elevated lake living in the premier development of Tom’s Harbor on the highly sought-after Cass Lake Chain of Lakes. This new (in summer of 2024) upscale home offers 3 bedrooms and 3 bathrooms with a thoughtfully designed custom layout and 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. Custom wrought iron railings by Cass Lake Metal add a one-of-a-kind, handcrafted touch. This home was skillfully built by Zetah Construction. 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 area overlooks the lake, of ... (Read more) Welcome to elevated lake living in the premier development of Tom’s Harbor on the highly sought-after Cass Lake Chain of Lakes. This new (in summer of 2024) upscale home offers 3 bedrooms and 3 bathrooms with a thoughtfully designed custom layout and 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. Custom wrought iron railings by Cass Lake Metal add a one-of-a-kind, handcrafted touch. This home was skillfully built by Zetah Construction. 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 area overlooks the lake, offering beautiful views. Just off the living room, the sun porch is a standout feature—currently set up with a large hot tub and 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 wetland. Upstairs, you’ll find three spacious bedrooms, including a walk-through bathroom connecting bedrooms two and three with dual vanity, along with a conveniently located laundry room. The massive primary suite is a true 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. As a member of the Tom’s Harbor community, enjoy exceptional amenities including a heated in ground pool, community room and kitchen facility, fish cleaning house, walking trails, beach, and approximately 50+ acres of shared green space. This property also includes a second lot which can be built on- and two boat slips in the protected harbor—an incredible bonus for lake enthusiasts. 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 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 brand-new stick built home with luxury finishes, resort-style amenities, and access to one of northern Minnesota’s premier lake chains.

Listing Details MLS# 7041248

General Property Information

Assoc Mgmt Co. Phone #: 218-760-3116
Association Fee Frequency: Annually
Association Mgmt Co. Name: Toms Harbor Owners Association
Common Wall: No
Lot Measurement: Acres
Manufactured Home?: No
Multiple PIDs?: Yes
New Development: No
Number of Fireplaces: Yes
Road Btwn WF & Home?: No
Waterfront Frontage: 2896
Waterfront Present: No
Year Built: 2024
Yearly/Seasonal: Yearly
Zoning: Residential-Single Family
Bath Full: Yes
Bath Three Quarters: Yes
Bath Half: Yes
Main Floor Total SqFt: 1568
Above Grd Total SqFt: 3808
Total SqFt: 3808
Total Finished Sqft: 2952.00
FireplaceYN: Yes
Lake/Waterfront Name: Cass
Style: (SF) Single Family
Foundation Size: 2240
Association Fee: 4300
Garage Stalls: 2
Lot Dimensions: 110x88
Acres: 0.22
Assessment Pending: No
Bath Quarter: 0
Below Grd Total SqFt: 0

Property Features

Accessible: None Air Conditioning: Central Air Amenities Shared: Beach; Patio; Porch; Other Amenities Unit: Boat Slip; Ceiling Fan(s); Dock; Hot Tub; Kitchen Center Island; Kitchen Window; Paneled Doors; Patio; Primary Bedroom Walk-In Closet; Tile Floors; Vaulted Ceiling(s); Washer/Dryer Hookup Appliances: Dishwasher; Dryer; Microwave; Range; Refrigerator; Wine Cooler Association Fee Includes: Beach Access; Controlled Access; Dock; Lawn Care; Recreation Facility; Sanitation; Shared Amenities; Snow Removal; Water Basement: None Bath Description: 3/4 Jack & Jill; Main Floor 1/2 Bath; Upper Level Full Bath; Full Primary; Private Primary; Bathroom Ensuite Construction Materials: Frame Construction Status: Previously Owned Dining Room Description: Breakfast Bar; Separate/Formal Dining Room Elevation Highpoint to Waterfront Slope: Level Exterior: Other Family Room Characteristics: Main Level Fireplace Characteristics: Electric Foundation: Slab Fuel: Natural Gas Heating: Forced Air Lake Details: Excellent Sand Laundry: In Unit; Upper Level Lock Box Type: Combo Lot Description: Cleared Pool Description: Below Ground; Heated; Shared Property Subtype: Patio Home Road Frontage: Cul De Sac; No Outlet/Dead End Road Responsibility: Association Maintained Road Roof: Age 8 Years or Less; Architectural Shingle; Asphalt Shingles Sellers Terms: Cash; Conventional; FHA; FHA Rehab 203k; VA Sewer: Private Sewer; Septic System Compliant - Yes; Shared System Special Search: 3 BR on One Level Stories: Two Water: Shared System; Well Waterfront View: Bay

Contract Information

Contingency: None
Original List Price: 889500
ListPrice: 889500
Owner is an Agent?: No
Auction?: No

Location Tax and Other Information

House Number: 16634
Street Name: Hightop
Street Suffix: Way
Street Direction Suffix: NW
Postal City: Cass Lake
County: Cass
State: MN
Zip Code: 56633
Complex/Dev/Subdivision: Toms Harbor

Additional Parcels Information

Property ID #2: 293620137

Basement

Foundation Dimensions: 80x28
None: Yes

More Information

Building Information

Finished SqFt Above Ground: 2952

Elevation Highpoint to Waterfront Feet

Elevation Highpoint Waterfront Feet: 0-4

Lake Details

Lake Acres: 29775
Lake Chain Acreage: 27973
Lake Chain Name: Cass
Lake Depth: 120
Excellent Sand: Yes

Lease Details

Land Leased: Not Applicable

Lock Box Type

Lock Box Source: NWMAR
Combo: Yes

Miscellaneous Information

Homestead: Yes

Ownership

Fractional Ownership: No

Parking Characteristics

Garage Dimensions: 26x35
Garage Square Feet: 914

Public Survey Info

Range#: 31
Section#: 3
Township#: 145

Office/Member Info

Association: NWMAR

Location, Tax and Other Information

AssocFeeYN: Yes
Legal Description: LOT 36, BLK 1 & LOT 37, BLK 1
Listing City: Cass Lake
Map Page: 999
Municipality: Cass Lake
School District: Cass Lake-Bena Schools
School District Phone: 218-335-2204
DNR Lake ID#: 04003000
DNR Lake Classification: General Development
Zip Plus 4: 4682
Property ID Number: 293620136
Tax Year: 2025
Tax Amount: 3910
In Foreclosure?: No
Potential Short Sale?: No
Lender Owned?: No

Directions & Remarks

Public Remarks: Welcome to elevated lake living in the premier development of Tom’s Harbor on the highly sought-after Cass Lake Chain of Lakes. This new (in summer of 2024) upscale home offers 3 bedrooms and 3 bathrooms with a thoughtfully designed custom layout and 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. Custom wrought iron railings by Cass Lake Metal add a one-of-a-kind, handcrafted touch. This home was skillfully built by Zetah Construction. 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 area overlooks the lake, offering beautiful views. Just off the living room, the sun porch is a standout feature—currently set up with a large hot tub and 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 wetland. Upstairs, you’ll find three spacious bedrooms, including a walk-through bathroom connecting bedrooms two and three with dual vanity, along with a conveniently located laundry room. The massive primary suite is a true 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. As a member of the Tom’s Harbor community, enjoy exceptional amenities including a heated in ground pool, community room and kitchen facility, fish cleaning house, walking trails, beach, and approximately 50+ acres of shared green space. This property also includes a second lot which can be built on- and two boat slips in the protected harbor—an incredible bonus for lake enthusiasts. 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 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 brand-new stick built home with luxury finishes, resort-style amenities, and access to one of northern Minnesota’s premier lake chains.
Directions: Hwy 2 to 61st Ave to tom's harbor on the right. Go straight to property on the left side.

Accessible

None: Yes

Air Conditioning

Central Air: Yes

Amenities Shared

Beach: Yes
Patio: Yes
Porch: Yes
Other: Yes

Amenities Unit

Boat Slip: Yes
Ceiling Fan(s): Yes
Dock: Yes
Hot Tub: Yes
Kitchen Center Island: Yes
Kitchen Window: Yes
Paneled Doors: Yes
Patio: Yes
Primary Bedroom Walk-In Closet: Yes
Tile Floors: Yes
Vaulted Ceiling(s): Yes
Washer/Dryer Hookup: Yes

Appliances

Dishwasher: Yes
Dryer: Yes
Microwave: Yes
Range: Yes
Refrigerator: Yes
Wine Cooler: Yes

Assessments

Assessment Balance: 0
Tax With Assessments: 0

Association Fee Includes

Beach Access: Yes
Controlled Access: Yes
Dock: Yes
Lawn Care: Yes
Recreation Facility: Yes
Sanitation: Yes
Sewer: Yes
Shared Amenities: Yes
Snow Removal: Yes
Water: Yes

Bath Description

3/4 Jack & Jill: Yes
Main Floor 1/2 Bath: Yes
Upper Level Full Bath: Yes
Full Primary: Yes
Private Primary: Yes
Bathroom Ensuite: Yes

Construction Materials

Frame: Yes

Construction Status

Previously Owned: Yes

Dining Room Description

Breakfast Bar: Yes
Separate/Formal Dining Room: Yes

Elevation Highpoint to Waterfront Slope

Level: Yes

Exterior

Other: Yes

Family Room Characteristics

Main Level: Yes

Fireplace Characteristics

Electric: Yes

Foundation

Slab: Yes

Fuel

Natural Gas: Yes

Heating

Forced Air: Yes

Insurance Fee

Insurance Fee: 0

Lake/Waterfront

Lake View: Yes

Laundry

In Unit: Yes
Upper Level: Yes

Lot Description

Cleared: Yes

Pool Description

Below Ground: Yes
Heated: Yes
Shared: Yes

Property Subtype

Patio Home: Yes

Restriction/Covenants

Architecture Committee: Yes
Easements: Yes
Other Covenants: Yes

Road Frontage

Cul De Sac: Yes
No Outlet/Dead End: Yes

Road Responsibility

Association Maintained Road: Yes

Roof

Age 8 Years or Less: Yes
Architectural Shingle: Yes
Asphalt Shingles: Yes

Sellers Terms

Cash: Yes
Conventional: Yes
FHA: Yes
FHA Rehab 203k: Yes
VA: Yes

Sewer

Private Sewer: Yes
Septic System Compliant - Yes: Yes
Shared System: Yes

Special Search

3 BR on One Level: Yes

Stories

Two: Yes

Water

Shared System: Yes
Well: Yes

Waterfront View

Bay: Yes

Listing Office: Headwaters Realty Services LLC

Last Updated: June - 09 - 2026

The data relating to real estate for sale on this web site comes in part from the Broker Reciprocity SM Program of the Regional Multiple Listing Service of Minnesota, Inc. The information provided is deemed reliable but not guaranteed. Properties subject to prior sale, change or withdrawal. ©2024 Regional Multiple Listing Service of Minnesota, Inc All rights reserved.