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Single Family Home for Sale in Cass Lake, MN Lakefront on Cass Lake · 29,775 acres · 120 ft deep 3 Beds | 3 Baths | 2,952 Sq Ft
Price Drop on M Markdowns — was $839,900 (↓ $10,000)
$5,693/month Estimated
- Principal & interest
- $4,525
- Property taxes
- $326
- Home insurance (est.)
- $484
- HOA dues
- $358/mo
20% down ($165,980) · 30-yr fixed, 7.24%
Try our home affordability calculator
Estimates only; confirm before you offer.
Located in Toms Harbor, Cass Lake, MN.
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.
BuyPulse · Live market read
How 16634 Hightop Way NW Compares to the Cass Lake Market
At $281/sqft, this home is priced $14/sqft above the typical Cass Lake single-family home of $267/sqft.
The median list price in Cass Lake is $312,400.
Verdict: Fair Market Value
Homes like this one — single-family homes between $622K and $1.0M in Cass Lake:
- The field: 4 similar Cass Lake homes for sale — a short list right now.
- Price cuts: 2 of 4 similar homes have trimmed asking. This one already cut $10,000.
- Too few have sold recently to chart how fast they go or how they close — BuyPulse won't estimate those off a thin sample.
Powered by the Realgorithm™ — real Cass Lake closings, zero guesses · NorthstarMLS
Key Features
- Built
- 2024
- Garage
- 2-Car Attached
- Style
- Two
- HOA
- $4,300/Annually
- HOA Includes
- Beach Access, Controlled Access, Dock, Lawn Care, Recreation Facility, Sanitation, Sewer, Shared Amenities, Snow Removal, Water
- Annual Taxes
- $3,910 (2025)
Neighborhood & Schools
- Neighborhood
- Toms Harbor
- Area guide
- Cass Lake neighborhoods
Property Details
- Property Type
- Single Family
- Above Grade Sq Ft
- 2,952
- Lot Size
- 0.22 acres
- Basement
- No
- Roof
- Age 8 Years or Less, Architectural Shingle, Asphalt
- Construction
- Frame
- County
- Cass
- List Date
- 2026-08-03
- Days on Market
- 99 days
- Parcel ID
- 293620137
Financial
- HOA Name
- Toms Harbor Owners Association
Home Systems & Utilities
- Heating
- Forced Air
- Cooling
- Central Air
- Water
- Shared System, Well
- Sewer
- Private Sewer, Septic System Compliant - Yes, Shared Septic
- Appliances
- Dishwasher, Dryer, Microwave, Range, Refrigerator, Stainless Steel Appliances, Wall Oven, Wine Cooler
Interior Features
- Laundry
- In Unit, Upper Level
- Fireplace
- 1 fireplace
Construction & Exterior
Construction & Structure
- Foundation Type
- Slab
- Foundation Area
- 2,240 sqft
- Total Building Area
- 3,808 sqft
Exterior Features
- Exterior Features
- Other
- Pool
- Yes
- View
- Bay
- Accessibility Features
- None
Parking & Garage
- Parking Features
- Attached Garage, Driveway - Other Surface
Lot & Land
- Lot Features
- Cleared
- Road Surface
- Cul De Sac, No Outlet/Dead End
- Zoning Description
- Residential-Single Family
Waterfront
- Waterfront
- Yes
- Lake
- Cass
- Lake Acres
- 29775 acres
- Lake Depth
- 120 ft
Agent & Office
- List Office
- Headwaters Realty Services LLC
Price History
- Price reduced to $829,900 — Sep 9, 2026
16634 Hightop Way NW is listed in Cass Lake, MN, part of Cass County. Browse all Minnesota homes for sale on Modern Market REALTORS®.
Showing — 16634 Hightop Way NW
Associate Broker · Modern Market REALTORS®
Your Cass Lake real estate expert since 2012 — I represent you, not the seller. Quick to respond, easy to text.
Listed by Headwaters Realty Services LLC · Shown by Modern Market REALTORS®
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View Full Listing & PhotosMLS# 7119473 · Updated October 9, 2026
Similar Homes for Sale Near 16634 Hightop Way NW, Cass Lake, MN
Frequently Asked Questions About 16634 Hightop Way NW
- Is $829,900 a good price for a home in Cass Lake?
- According to BuyPulse, 16634 Hightop Way NW rates Fair Market Value — at $281/sqft it's priced 5% above the typical Cass Lake single-family home of $267/sqft. Powered by the Realgorithm™. Browse Cass Lake homes for sale to compare.
- Does 16634 Hightop Way NW have an HOA?
- Yes, 16634 Hightop Way NW has a homeowners association with dues of $4,300 annually. HOA includes: Beach Access, Controlled Access, Dock, Lawn Care, Recreation Facility, Sanitation, Sewer, Shared Amenities, Snow Removal, Water.
- What type of heating and cooling does 16634 Hightop Way NW have?
- 16634 Hightop Way NW has Forced Air heating and Central Air cooling.
- Where is 16634 Hightop Way NW located?
- 16634 Hightop Way NW is in the Toms Harbor neighborhood of Cass Lake, MN 56633, in Cass County.
- Is 16634 Hightop Way NW still available?
- Yes — 16634 Hightop Way NW is currently listed as Active on the MLS and accepting showings. Contact us to schedule a tour or make an offer.
- When was 16634 Hightop Way NW built?
- 16634 Hightop Way NW was built in 2024. It features frame construction and a slab foundation.
- Does 16634 Hightop Way NW have main-floor laundry?
- No — the laundry at 16634 Hightop Way NW is on the upper level.
- How many homes like 16634 Hightop Way NW are for sale in Cass Lake?
- 4 similar homes (single-family homes between $622K and $1.0M in Cass Lake) are for sale right now — a short list right now.
- What does "M Markdowns" mean?
- M Markdowns™ is Modern Market REALTORS®’ real estate tracker of homes for sale with verified MLS price reductions across the Fargo-Moorhead metro and Minnesota lake country. Every reduction is sourced directly from NorthstarMLS — minimum $2,000 drop to filter noise.
- What does "BuyPulse" mean?
- BuyPulse™ is Modern Market REALTORS®’ live market-data brand for Fargo-Moorhead: cohort statistics — homes for sale, median days to pending, and share of sales closing at or over list price — computed from real NorthstarMLS closings, not estimates.
- What does "Realgorithm™" mean?
- The Realgorithm™ is Modern Market REALTORS®’ proprietary market-data engine — it computes every BuyPulse verdict from real NorthstarMLS closings (comparable active inventory, median days to pending, and sale-to-list price ratio) rather than an automated online estimate.
Local Companies to Help You Settle In
From inspection to closing to moving day, here are well-known local companies serving the Cass Lake area.
Listings courtesy of NorthstarMLS as distributed by MLS GRID
Based on information submitted to the MLS GRID as of 11/10/2026, 10:19 AM CST. 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.
IDX information is provided exclusively for consumers' personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing.