For Sale
1020 Cross Street, Oxford, MI 48371
$595,000
MLS # 20261045459 (Realcomp)
4 beds4 baths3,746 sqftBuilt 20110.23 acres
1 / 51
Listing Description
Beautiful 5 bedroom, 3.1 bath Oxford Colonial in Bay Village of Waterstone with nearly 3,750 finished sqft, lake privileges, pond views, and a walk-out finished basement! The main level offers an open layout, great room fireplace, private study, dining space, and an updated kitchen with new counters, backsplash, sink, and a dream pantry. Upstairs features spacious bedrooms, a large second-floor laundry room, updated primary bath with towel warmers, and a professionally designed primary closet by Closets By Design. Finished walk-out basement includes a bedroom, full bath, and bonus living space. New sump pump in 2026, owned water softener, annually serviced mechanicals, invisible dog fence, deck, fenced yard, and 2-car attached garage. Listing price reflects 2026 appraisal.
Source: SparkMLS
About this home
This 4-bedroom, 4-bath, 3,746 sq ft home built in 2011 sits in Oxford Township in Oxford.
Listed at $595,000 (about $159/sq ft).
Property tax estimate: $9,205 per year ($767/month). Estimate is based on county assessor records and current millage rates; actual tax may vary with PRE status and recent assessment changes.
Electric service is provided by DTE Electric Company; natural gas by Consumers Energy Company.
Listing Property Details
Property TypeResidential
Property SubtypeSingle Family Residence
Bedrooms4
Bathrooms4
Living Area3,746 sqft
Lot Size0.23 acres
Year Built2011
Stories2
Location
CityOxford
MunicipalityOxford Twp
Zip Code48371
CountyOakland
School DistrictOxford
Construction & Systems
ConstructionBrick, Vinyl Siding
BasementWalk-Out Access
Garage2 spaces
HeatingForced Air
WaterPublic
SewerPublic
InteriorBasement Finished
Sale & Financing
Listed6/17/2026
Terms AcceptedCash, Conventional, FHA, VA Loan
HOA
HOA Fee$690 / Annually
Source: SparkMLS
Tax Information
Annual Tax$7,487
State Equalized Value$247,490
Taxable Value$201,310
Parcel #0421101036
Source: Public Records
Legal Description
T5N, R10E, SEC 21 OAKLAND COUNTY CONDOMINIUM PLAN NO 1392 BAY VILLAGE OF WATERSTONE UNIT 36 L 24024 P 350 11-19-01 FR 100-012
Property Records
FEMA Flood Zone: Zone X — Minimal flood risk
Source: FEMA NFHLUSDA Rural Development: Eligible — 0% Down Payment Available
Verify eligibility at USDAListed by Katelyn Bojanzyk
Good Company
Frequently Asked Questions about 1020 Cross Street, Oxford, MI 48371
Which school district serves 1020 Cross Street, Oxford, MI 48371?
Per MLS# 20261045459, 1020 Cross Street, Oxford, MI 48371 is in the Oxford boundaries. School district assignments are determined by property location and may differ from the mailing city. Contact Oxford directly to confirm enrollment eligibility.
Can I use FHA or VA financing for this property?
Per MLS# 20261045459, this listing accepts Cash, Conventional, FHA, VA Loan financing. FHA financing can offer lower down payment requirements for qualified buyers. Financing acceptance is subject to change — confirm with the listing agent.
What are the property taxes at 1020 Cross Street, Oxford, MI 48371?
Per public tax records, annual property taxes for this property are $7,487. Michigan property taxes are based on a property's taxable value multiplied by the local millage rate. Primary residences qualify for a homestead exemption that lowers the rate.
Can I use a USDA Rural Development loan for this property?
Per USDA Rural Development boundary data, 1020 Cross Street, Oxford, MI 48371 is in an eligible area. USDA RD loans offer 0% down payment for qualified buyers. Verify current eligibility at the USDA eligibility site, as boundaries are updated periodically.
Is 1020 Cross Street, Oxford, MI 48371 in a flood zone?
Per FEMA flood maps, this property is designated as Zone X, a minimal-risk flood area. Flood insurance is not typically required in this zone but may still be advisable. FEMA flood maps are updated periodically — verify the current designation at msc.fema.gov.
What utilities serve 1020 Cross Street, Oxford, MI 48371?
Per Michigan Public Service Commission service territory data: Electric: DTE Electric Company. Gas: Consumers Energy Company. Sewer: Public. Water: Public. Confirm service details directly with providers.
What is the crime rate in this area?
For crime and public safety data, we recommend inquiring directly with the source. Oakland County is served by CLEMIS (Courts and Law Enforcement Management Information System), which provides public safety data for Southeast Michigan law enforcement agencies.
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Tax Estimate
$
Annual tax$9,205
Monthly$767
Millage rate37.1942 mills
Municipality: CHARTER TOWNSHIP OF OXFORD
School district: OXFORD AREA COMM SCH DIST
County: Oakland
Estimate based on SEV for a new buyer (taxable value resets to SEV on transfer). Actual taxes may vary. MI Treasury PT Estimator
Mortgage Calculator
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Monthly payment$4,684
Principal & interest$3,859
Property taxes$767
HOA$58
Estimate only. Does not include PMI or other fees. Consult a lender for exact rates.
Utilities
DTE Electric Company
Investor-Owned
Consumers Energy Company
Investor-Owned
MI Public Service Commission service territory boundaries.
Property
1020 Cross Street, Oxford, MI 48371
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Municipality
Oxford Township
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County
Oakland County
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