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.
Active
$539,900
10 Birch Bluff Rd, Tonka Bay, MN 55331
3beds
1,764sqft
Est.:
Residential
Built in 1966
0.53 Acres Lot
$529,900 Zestimate®
$306/sqft
$-- HOA
What's special
- 5 days |
- 1,707 |
- 116 |
Likely to sell faster than
Zillow last checked: 8 hours ago
Listing updated: December 10, 2025 at 12:55pm
Listed by:
Jim Schwarz 612-251-7201,
Lakes Sotheby's International
Source: NorthstarMLS as distributed by MLS GRID,MLS#: 6821252
Tour with a local agent
Facts & features
Interior
Bedrooms & bathrooms
- Bedrooms: 3
- Bathrooms: 2
- Full bathrooms: 2
Bedroom
- Level: Main
- Area: 110 Square Feet
- Dimensions: 11x10
Bedroom 2
- Level: Upper
- Area: 221 Square Feet
- Dimensions: 17x13
Bedroom 3
- Level: Lower
- Area: 80 Square Feet
- Dimensions: 10x08
Deck
- Level: Main
- Area: 260 Square Feet
- Dimensions: 26x10
Deck
- Level: Main
- Area: 390 Square Feet
- Dimensions: 26x15
Dining room
- Level: Main
- Area: 80 Square Feet
- Dimensions: 10x08
Family room
- Level: Lower
- Area: 275 Square Feet
- Dimensions: 25x11
Great room
- Level: Main
- Area: 300 Square Feet
- Dimensions: 25x12
Kitchen
- Level: Main
- Area: 72 Square Feet
- Dimensions: 09x08
Laundry
- Level: Lower
- Area: 72 Square Feet
- Dimensions: 09x08
Heating
- Forced Air, Fireplace(s)
Cooling
- Central Air
Appliances
- Included: Dishwasher, Dryer, Water Filtration System, Microwave, Range, Refrigerator, Washer, Water Softener Rented
Features
- Basement: Block,Finished,Full
- Number of fireplaces: 2
- Fireplace features: Brick, Family Room, Living Room, Wood Burning
Interior area
- Total structure area: 1,764
- Total interior livable area: 1,764 sqft
- Finished area above ground: 1,056
- Finished area below ground: 708
Property
Parking
- Total spaces: 3
- Parking features: Asphalt, Garage Door Opener
- Garage spaces: 3
- Has uncovered spaces: Yes
- Details: Garage Dimensions (32x24)
Accessibility
- Accessibility features: None
Features
- Levels: One and One Half
- Stories: 1.5
- Patio & porch: Deck
- Pool features: None
- Fencing: Partial,Wood
Lot
- Size: 0.53 Acres
- Dimensions: 122 x 253 x 77 x 264
- Features: Near Public Transit, Corner Lot
Details
- Foundation area: 780
- Parcel number: 2811723240013
- Zoning description: Residential-Single Family
Construction
Type & style
- Home type: SingleFamily
- Property subtype: Residential
Materials
- Roof: Age Over 8 Years,Asphalt
Condition
- New construction: No
- Year built: 1966
Utilities & green energy
- Gas: Natural Gas
- Sewer: City Sewer/Connected
- Water: City Water - In Street, Well
Community & HOA
Community
- Subdivision: John F Wilcox Add
HOA
- Has HOA: No
Location
- Region: Tonka Bay
Financial & listing details
- Price per square foot: $306/sqft
- Tax assessed value: $597,700
- Annual tax amount: $3,558
- Date on market: 12/5/2025
- Road surface type: Paved
Estimated market value
$529,900
$503,000 - $556,000
$3,123/mo
Price history
Price history
| Date | Event | Price |
|---|---|---|
| 12/10/2025 | Listed for sale | $539,900+66.4%$306/sqft |
Source:  NorthstarMLS as distributed by MLS GRID #6821252 Report a problem | ||
| 12/17/2018 | Sold | $324,500$184/sqft |
Source: NorthstarMLS as distributed by MLS GRID #4993628 Report a problem | ||
| 11/13/2018 | Pending sale | $324,500$184/sqft |
Source: RE/MAX Results #4993628 Report a problem | ||
| 10/16/2018 | Listed for sale | $324,500+182.2%$184/sqft |
Source: RE/MAX Results #4993628 Report a problem | ||
| 4/14/1998 | Sold | $115,000$65/sqft |
Source: Public Record Report a problem | ||
Public tax history
Public tax history
| Year | Property taxes | Tax assessment |
|---|---|---|
| 2025 | $3,558 -0.8% | $597,700 +25.4% |
| 2024 | $3,586 +14.8% | $476,500 -4% |
| 2023 | $3,124 +44.5% | $496,400 +11.1% |
Find assessor info on the county website
BuyAbility℠ payment
Est. payment
$3,350/mo
Principal & interest
$2653
Property taxes
$508
Home insurance
$189
Climate risks
Neighborhood: 55331
Nearby schools
GreatSchools rating
- 9/10Minnewashta Elementary SchoolGrades: K-6Distance: 1.4 mi
- 8/10Minnetonka West Middle SchoolGrades: 6-8Distance: 2 mi
- 10/10Minnetonka Senior High SchoolGrades: 9-12Distance: 4.2 mi
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