diff --git a/.changeset/fix-zod-v4-json-schema-options.md b/.changeset/fix-zod-v4-json-schema-options.md
new file mode 100644
index 0000000000..1831b2de33
--- /dev/null
+++ b/.changeset/fix-zod-v4-json-schema-options.md
@@ -0,0 +1,9 @@
+---
+'@modelcontextprotocol/sdk': patch
+---
+
+Fix hardcoded Zod v4 `toJSONSchema` options so tool schemas match the raw `structuredContent` the server actually sends:
+
+- `z.date()` anywhere in a tool schema no longer throws and crashes `tools/list`; it is now rendered as `{ "type": "string", "format": "date-time" }`, matching what `JSON.stringify` puts on the wire for a `Date`.
+- Output-schema fields with `.default()` are no longer advertised as `required`, and `additionalProperties: false` is no longer set on output schemas. The server never runs `structuredContent` through the schema's output transform, so a tool response that legitimately omits a
+  defaulted field or includes extra fields was being rejected by the client's own schema validation against the tool's advertised (but inaccurate) output schema.
diff --git a/src/server/zod-json-schema-compat.ts b/src/server/zod-json-schema-compat.ts
index cde66b1772..ec2ed3f5c0 100644
--- a/src/server/zod-json-schema-compat.ts
+++ b/src/server/zod-json-schema-compat.ts
@@ -30,10 +30,31 @@ function mapMiniTarget(t: CommonOpts['target'] | undefined): 'draft-7' | 'draft-
 
 export function toJsonSchemaCompat(schema: AnyObjectSchema, opts?: CommonOpts): JsonSchema {
     if (isZ4Schema(schema)) {
-        // v4 branch — use Mini's built-in toJSONSchema
+        // v4 branch — use Mini's built-in toJSONSchema.
+        //
+        // `io` is always 'input' here, regardless of `opts.pipeStrategy`: the server
+        // never runs a tool's `structuredContent` through the schema's output
+        // transform/default-injection, it ships the tool's raw object as-is. So the
+        // advertised schema — for both input *and* output — must describe that raw
+        // shape: fields with `.default()` are optional (the caller/tool may omit
+        // them), matching zod's 'input' semantics rather than 'output' (which would
+        // mark them required, as if defaults had already been applied).
+        //
+        // `unrepresentable: 'any'` + the `override` below keep a single
+        // unsupported field (e.g. `z.date()`, which v4 refuses to represent by
+        // default) from crashing the entire `tools/list` response; `z.date()`
+        // specifically is rewritten to the RFC 3339 string format that
+        // `JSON.stringify` actually produces on the wire for a `Date`.
         return z4mini.toJSONSchema(schema as z4c.$ZodType, {
             target: mapMiniTarget(opts?.target),
-            io: opts?.pipeStrategy ?? 'input'
+            io: 'input',
+            unrepresentable: 'any',
+            override: ctx => {
+                if ((ctx.zodSchema as unknown as { _zod?: { def?: { type?: string } } })._zod?.def?.type === 'date') {
+                    ctx.jsonSchema.type = 'string';
+                    ctx.jsonSchema.format = 'date-time';
+                }
+            }
         }) as JsonSchema;
     }
 
diff --git a/test/server/mcp.test.ts b/test/server/mcp.test.ts
index 575d6a300e..ccec0beb0b 100644
--- a/test/server/mcp.test.ts
+++ b/test/server/mcp.test.ts
@@ -6931,4 +6931,74 @@ describe.each(zodTestMatrix)('$zodVersionLabel', (entry: ZodMatrixEntry) => {
             taskStore.cleanup();
         });
     });
+
+    // Zod v4's toJSONSchema options were hardcoded (issue #2464): the server ships
+    // a tool's raw structuredContent object as-is, without running it through the
+    // schema's output transform, so the advertised schema must describe that raw
+    // shape rather than the fully-resolved (defaults-applied, closed) shape.
+    if (entry.isV4) {
+        describe('zod v4 toJSONSchema options (issue #2464)', () => {
+            test('z.date() in an input schema no longer crashes tools/list', async () => {
+                const mcpServer = new McpServer({ name: 'test server', version: '1.0' });
+                const client = new Client({ name: 'test client', version: '1.0' });
+
+                mcpServer.registerTool('schedule', { inputSchema: { when: z.date() } }, async () => ({
+                    content: [{ type: 'text', text: 'ok' }]
+                }));
+
+                const [clientTransport, serverTransport] = InMemoryTransport.createLinkedPair();
+                await Promise.all([client.connect(clientTransport), mcpServer.connect(serverTransport)]);
+
+                const result = await client.request({ method: 'tools/list' }, ListToolsResultSchema);
+                const whenSchema = result.tools[0].inputSchema.properties?.when as Record<string, unknown>;
+                expect(whenSchema).toEqual({ type: 'string', format: 'date-time' });
+            });
+
+            test('a defaulted output field is not advertised as required, and a response omitting it validates', async () => {
+                const mcpServer = new McpServer({ name: 'test server', version: '1.0' });
+                const client = new Client({ name: 'test client', version: '1.0' });
+
+                mcpServer.registerTool(
+                    'lookup',
+                    {
+                        inputSchema: { id: z.string() },
+                        outputSchema: { id: z.string(), count: z.number().default(1) }
+                    },
+                    async ({ id }) => ({
+                        content: [{ type: 'text', text: id }],
+                        structuredContent: { id }
+                    })
+                );
+
+                const [clientTransport, serverTransport] = InMemoryTransport.createLinkedPair();
+                await Promise.all([client.connect(clientTransport), mcpServer.connect(serverTransport)]);
+
+                const listResult = await client.request({ method: 'tools/list' }, ListToolsResultSchema);
+                const outputSchema = listResult.tools[0].outputSchema as { required?: string[] };
+                expect(outputSchema.required).not.toContain('count');
+
+                const callResult = await client.callTool({ name: 'lookup', arguments: { id: '42' } });
+                expect(callResult.isError).toBeFalsy();
+            });
+
+            test('an output schema does not set additionalProperties:false, so extra returned fields validate', async () => {
+                const mcpServer = new McpServer({ name: 'test server', version: '1.0' });
+                const client = new Client({ name: 'test client', version: '1.0' });
+
+                mcpServer.registerTool('extra', { inputSchema: {}, outputSchema: { id: z.string() } }, async () => ({
+                    content: [{ type: 'text', text: 'ok' }],
+                    structuredContent: { id: '1', extraField: 'surprise' }
+                }));
+
+                const [clientTransport, serverTransport] = InMemoryTransport.createLinkedPair();
+                await Promise.all([client.connect(clientTransport), mcpServer.connect(serverTransport)]);
+
+                const listResult = await client.request({ method: 'tools/list' }, ListToolsResultSchema);
+                expect(listResult.tools[0].outputSchema).not.toHaveProperty('additionalProperties');
+
+                const callResult = await client.callTool({ name: 'extra', arguments: {} });
+                expect(callResult.isError).toBeFalsy();
+            });
+        });
+    }
 });