Lake Minnetonka living without the lakefront taxes! Beautifully updated Tonka Bay home with deeded lake access and dock for up to a 24' boat. The spacious main level features gorgeous hardwood floors, abundant natural light, wood-burning fireplace, and large windows with Gideon Bay views. Updated eat-in kitchen, inviting 4-season porch, and expansive deck overlook the private .64-acre fenced backyard oasis—perfect for entertaining. The oversized primary suite offers lake views, gas fireplace, updated bath with jetted tub, and two walk-in closets. Lower level includes a separate kitchenette, fireplace, family room, laundry, and storage. Enjoy a 3-car garage and Minnetonka schools. Convenient to Excelsior, Wayzata, shops, restaurants, and year-round recreation. Just 5 minutes by boat to Excelsior or Big Island and 15 minutes to Wayzata. A rare opportunity to enjoy the Lake Minnetonka lifestyle from your own private retreat!