For Sale
3907 Pontiac Lake Road, Waterford, MI 48328
$599,900
MLS # 20261042907 (Realcomp)
3 beds3 baths1,776 sqftBuilt 20240.66 acres
1 / 44
Listing Description
Welcome to 3907 Pontiac Lake Road, a thoughtfully designed custom-built new construction ranch offering the perfect blend of comfort, accessibility, and modern living. Featuring 1,776 square feet above grade and an additional 1,776 square feet in the walkout lower level, this home provides over 3,500 square feet of potential living space.Designed with accessibility and convenience in mind, the open-concept floor plan offers spacious living areas, practical functionality, and flexibility to accommodate a variety of needs. The beautiful deck and patio overlook a private backyard setting, creating the perfect space for relaxation, entertaining, and enjoying the peaceful surroundings.The expansive walkout lower level is unfinished and offers incredible potential for customization. Plumbing and gas line access have already been considered for a future kitchen installation, along with provisions for an additional washer and dryer setup. The lower level also provides ample space to add multiple bedrooms, bathrooms, and living areas, making it an ideal opportunity to create a fully functional second living space, in-law suite, multigenerational living arrangement, or income-producing setup, subject to applicable approvals.This unique property may also present an excellent opportunity for entrepreneurs, investors, or operators seeking a property suitable for a care-focused business model, subject to local zoning and municipal approvals. Its thoughtful layout and accessibility-minded design may lend itself well to assisted living, adult foster care, rehabilitation services, wellness-related operations, or other similar uses.Combining quality craftsmanship, modern construction, privacy, and versatility, this one-of-a-kind property offers endless possibilities for homeowners, investors, and business-minded buyers alike.
Source: SparkMLS
About this home
Located in Waterford Township in Waterford, this property offers 3-bedroom, 3-bath, 1,776 sq ft, with original construction dating to 2024.
Currently offered at $599,900 (about $338/sq ft).
Estimated annual property tax: $1,520, or about $127 monthly. 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
Bedrooms3
Bathrooms3
Living Area1,776 sqft
Lot Size0.66 acres
Year Built2024
Stories1
Location
CityWaterford
MunicipalityWaterford Twp
Zip Code48328
CountyOakland
School DistrictWaterford
Construction & Systems
ConstructionBrick
BasementWalk-Out Access, Slab
Garage2 spaces
HeatingForced Air, Hot Water
WaterPublic
SewerPublic
Sale & Financing
Listed6/8/2026
Terms AcceptedCash, Conventional, FHA
Source: SparkMLS
Tax Information
Annual Tax$2,729
State Equalized Value$49,980
Taxable Value$49,980
Parcel #1323151016
Source: Public Records
Legal Description
T3N, R9E, SEC 23 SUPERVISOR'S PLAT NO 23 ELY PART OF LOT 5 MEAS 21.63 FT ALG N LOT LI & 21.20 FT ALG S LOT LI, ALSO ALL OF LOT 6 5-29-98 FR 015
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 Carlos Kachal
ICON Realty Experts, LLC
Frequently Asked Questions about 3907 Pontiac Lake Road, Waterford, MI 48328
What school district is 3907 Pontiac Lake Road, Waterford, MI 48328 in?
Per MLS# 20261042907, this property is served by Waterford. In Michigan, school district boundaries are set by the state and do not always follow city limits.
What type of financing is accepted for this listing?
Per MLS# 20261042907, the seller has indicated this property accepts the following financing types: Cash, Conventional, FHA. FHA financing can offer lower down payment requirements for qualified buyers. Financing acceptance is subject to change — confirm with the listing agent.
How much are property taxes for this home?
Per MLS# 20261042907, the most recent reported annual property tax for 3907 Pontiac Lake Road, Waterford, MI 48328 is $2,729. 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.
Is 3907 Pontiac Lake Road, Waterford, MI 48328 eligible for USDA financing?
Per USDA boundary maps, this property is located in a USDA-eligible area, which means qualified buyers may be able to finance with 0% down through the USDA Rural Development program. Confirm current eligibility directly with USDA.
What is the FEMA flood zone designation for this property?
Per FEMA's National Flood Hazard Layer, 3907 Pontiac Lake Road, Waterford, MI 48328 is in flood zone X (minimal risk). 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.
Who are the utility providers for this property?
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.
How safe is this area?
Per our practice, crime and safety data should be obtained directly from the authoritative source. Oakland County law enforcement agencies participate in CLEMIS (Courts and Law Enforcement Management Information System) for public safety records.
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Tax Estimate
$
Annual tax$1,520
Monthly$127
Millage rate30.4079 mills
Municipality: CHARTER TOWNSHIP OF WATERFORD
School district: PONTIAC CITY SCHOOL DISTRICT
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$4,018
Principal & interest$3,891
Property taxes$127
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
3907 Pontiac Lake Road, Waterford, MI 48328
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Municipality
Waterford Township
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County
Oakland County
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