diff --git a/src/mcp/client/auth/oauth2.py b/src/mcp/client/auth/oauth2.py
index 7dc62b52b9..9d5c6a7d73 100644
--- a/src/mcp/client/auth/oauth2.py
+++ b/src/mcp/client/auth/oauth2.py
@@ -586,8 +586,17 @@ async def async_auth_flow(self, request: httpx2.Request) -> AsyncGenerator[httpx
             # Capture protocol version from request headers
             self.context.protocol_version = request.headers.get(MCP_PROTOCOL_VERSION_HEADER)
 
-            if not self.context.is_token_valid() and self.context.can_refresh_token():
-                # Try to refresh token
+            if (
+                not self.context.is_token_valid()
+                and self.context.can_refresh_token()
+                and self.context.oauth_metadata is not None
+            ):
+                # Try to refresh token — only when we already have OAuth metadata.
+                # Without metadata the token endpoint is unknown; the fallback
+                # urljoin(base_url, "/token") strips the path when the AS lives
+                # under a non-root path (e.g. /oauth2/api/v1/token).  Skipping
+                # the refresh here lets the request proceed with the stale token,
+                # receive a 401, and run full metadata discovery before retrying.
                 refresh_request = await self._refresh_token()
                 refresh_response = yield refresh_request
 
diff --git a/tests/client/test_auth.py b/tests/client/test_auth.py
index be96cc8eec..a2f2694273 100644
--- a/tests/client/test_auth.py
+++ b/tests/client/test_auth.py
@@ -1291,6 +1291,52 @@ async def test_auth_flow_with_no_tokens(self, oauth_provider: OAuthClientProvide
         assert oauth_provider.context.token_expiry_time is not None
 
     @pytest.mark.anyio
+    async def test_auth_flow_skips_eager_refresh_when_metadata_missing(
+        self, oauth_provider: OAuthClientProvider, mock_storage: MockTokenStorage
+    ):
+        """When oauth_metadata is None the eager refresh must be skipped.
+
+        Without metadata the token endpoint is unknown; the fallback
+        urljoin(base_url, '/token') strips the path when the AS lives under a
+        non-root path (e.g. /oauth2/api/v1/token).  The fix guards the eager
+        refresh on ``oauth_metadata is not None`` so the stale-token request
+        proceeds, gets a 401, and runs full metadata discovery instead.
+        """
+        # Set up expired tokens with a refresh token but NO oauth_metadata.
+        expired_tokens = OAuthToken(
+            access_token="expired_access_token",
+            token_type="Bearer",
+            expires_in=0,
+            refresh_token="test_refresh_token",
+            scope="read write",
+        )
+        await mock_storage.set_tokens(expired_tokens)
+        oauth_provider.context.current_tokens = expired_tokens
+        oauth_provider.context.token_expiry_time = time.time() - 100  # Expired
+        oauth_provider._initialized = True
+        oauth_provider.context.client_info = OAuthClientInformationFull(
+            client_id="test_client",
+            redirect_uris=[AnyUrl("http://localhost:3030/callback")],
+        )
+        # oauth_metadata is None (default) — this is the key condition.
+
+        test_request = httpx2.Request("GET", "https://api.example.com/v1/mcp")
+        auth_flow = oauth_provider.async_auth_flow(test_request)
+
+        # The first yield should be the original request WITHOUT an auth header,
+        # NOT a refresh request to the wrong endpoint.
+        request = await auth_flow.__anext__()
+        assert "Authorization" not in request.headers
+        assert str(request.url) == "https://api.example.com/v1/mcp"
+        assert request.method == "GET"
+
+        # The token was not consumed by a failed refresh.
+        assert oauth_provider.context.current_tokens is not None
+        assert oauth_provider.context.current_tokens.refresh_token == "test_refresh_token"
+
+        # Close the generator to avoid warnings.
+        await auth_flow.aclose()
+
     async def test_auth_flow_no_unnecessary_retry_after_oauth(
         self, oauth_provider: OAuthClientProvider, mock_storage: MockTokenStorage, valid_tokens: OAuthToken
     ):