10 Birch Bluff Road Tonka Bay, MN 55331

$539,900
Active
estimated monthly payment
3 Beds  |  2 Baths  |  1,764 Sq Ft  |  Single Family  |  MLS # 6821252
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About The Listing

Rustic three-level cottage offers a warm, inviting escape in the heart of Tonka Bay, close to Lake Minnetonka and downtown Excelsior. High demand Minnetonka Schools! Updates include new kitchen appliances, furnace, air conditioning, water heater, electrical panels, sewer line, exterior paint, and much more.
The main level features a vaulted great room with a fireplace, a kitchen that captures gorgeous morning sun and lake views, a bedroom, and a full bathroom. Enjoy the outdoors from two large decks. The upper loft offers a spacious bedroom or office with a Juliet balcony.
The finished lower level adds a cozy family room with a fireplace, a third bedroom, a full bathroom, and a laundry room. Detached three-car garage. Dock availability through the City of Tonka Bay. A rare combination of charm, versatile spaces, and close-to-the-lake convenience. The VA loan of 2.25% may be assumable.


Listing courtesy of Jim Schwarz, Lakes Sotheby's International
Purchase Price
Loan Type
Down Payment
Interest Rate
Estimated Property Taxes
Homeowner's Insurance
HOA Dues
Private Mortgage Insurance
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Property Details

Features

 
 
 
Property Type: Single Family
Status: Active
Contingency Type: None
Year Built: 1966
MLS #: 6821252
Bedrooms: 3
Square Feet: 1,764
Bathrooms (Full): 2
Price Per Square Foot: $306
Bathrooms (Half) : 0
Bathrooms (Three Quarters) : 0
Garage Spaces: 3
Parking Description: Detached Garage, Asphalt, Garage Door Opener
Sewer Description: City Sewer/Connected
Air Conditioning Type: Central Air
Water: City Water - In Street, Well
Heat Type: Forced Air, Fireplace(s)
Basement: Block, Finished, Full
Roof Description: Age Over 8 Years, Asphalt
Days On Market (Continuous): 0
Disability Features: None
Latest Update: 12/17/2025
List Date: 12/09/2025
Listing Agent ID: 502018352
Listing Office: Lakes Sotheby's International
Listing Office ID: 40131
Data Source: NorthstarMLS - The Regional MLS of Minnesota
Appliances: Dishwasher, Dryer, Water Filtration System, Microwave, Range, Refrigerator, Washer, Water Softener Rented
Fireplace Features: Brick, Family Room, Living Room, Wood Burning
Laundry Features: Lower Level, Laundry Room, Sink, Washer Hookup
Number of Fireplaces: 2
Fence: Partial, Wood
Lot Dimensions: 122x253x77x264
Lot Size: 0.53 Acres
Pool Description: None
Lot Features: Public Transit (w/in 6 blks), Corner Lot, Tree Coverage - Heavy
School District: Minnetonka
Tax Year: 2025
Estimated Taxes: $3,558
Contingency Type: None
City: Tonka Bay
Zip: 55331
County: Hennepin
Subdivision: John F Wilcox Add
State: MN

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Listing last updated: 12/17/25

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