For Sale
3980 Spencer Terrace, West Bloomfield, MI 48323
$389,900
MLS # 20261050776 (Realcomp)
4 beds2 baths2,654 sqftBuilt 19450.42 acres
1 / 62
Listing Description
LOCATION, LOCATION, LOCATION, CLEAN UPDDATED 4 BDRM, 2 FULL BATH BUNGALOW IN HIGHLY DESIRED CRYSYAL BEACH COUNTRY CLUB NEIGHBORHOOD WITH NEW ROOF (2026) NEW CARPETING (2026) NEWER WATERHEATER, HARDWOOD FLOORS ENTRY LEVEL, KITCHEN GRANITE TOPS, CERAMIC FLOORS KITCHEN AREA AND BATHS, STAINLESS STEEL APPLIANCES AND GENEROUS AMOUNT OF STORAGE THROUGH OUT THE HOME. PARTIALLY FINISHED FULL BASEMENT WITH WORKSHOP AREA. ALL FURNITURE NEGOTIABLE. FEATURING A OPTIONAL BEACH ASSOCIATION ON ALL SPORTS MIDDLE STRAITS LAKE FOR MEMBERSHIP FEE THAT INCLUDES CANOE, KAYAK STORAGE AND BOAT LAUNCH WITH UNIQUE CLUBHOUSE WITH VOLLYBALL, BASKETBALL, 2 BEACHES AND PICNIC AREA AND ALSO WITHIN 1 MINUTE FROM BLOOMER PUBLIC RECREATION PARK INCLUDES TRAILS, PICNIC AREA, FULL BASKETBALL COURT, BOAT LAUNCH ON MIDDLE STRAITS LAKE AND BOAT TRAILER PARKING WITH NO ENTRY FEE OR MEMBERSHIP REQUIRED. THIS HOME IS WITHIN OAKLEY PARK ELEMENTARY, WALNUT CREEK MIDDLE SCHOOL AND AWARD WINNING WALLED LAKE CENTRAL HIGH SCHOOL CONSOLIDATED SCHOOL DISTRICT. 3 GOLF COURCES LESS THAN 5 MINUTES AWAY, MINUTES FROM M-5 AND MAJOR SHOPPING DESTINATIONS AND OTHER LOCAL FEATURES. WE LOOK FORWARD TO YOUR SCHEDULED SHOWING OF THIS GREAT HOME.
Source: SparkMLS
About this home
4-bedroom, 2-bath, 2,654 sq ft home in West Bloomfield Township in West Bloomfield built in 1945.
Currently offered at $389,900 (about $147/sq ft).
Annual property taxes run approximately $5,544 ($462/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
Bathrooms2
Living Area2,654 sqft
Lot Size0.42 acres
Year Built1945
Stories2
Location
CityWest Bloomfield
MunicipalityWest Bloomfield Twp
Zip Code48323
CountyOakland
School DistrictWalled Lake
Construction & Systems
ConstructionVinyl Siding
BasementDaylight, Partial
Garage2 spaces
HeatingForced Air, Space Heater
WaterWell
SewerPublic
InteriorBasement Partially Finished, Water Softener/Owned, Whirlpool Tub
Sale & Financing
Listed7/5/2026
Terms AcceptedCash, Conventional, FHA
Source: SparkMLS
Tax Information
Annual Tax$3,225
State Equalized Value$150,040
Taxable Value$95,958
Parcel #1818179019
Source: Public Records
Legal Description
T2N, R9E, SEC 18 CRYSTAL BEACH COUNTRY CLUB LOTS 19 TO 25 INCL BLK 10
Property Records
FEMA Flood Zone: Zone X — Minimal flood risk
Source: FEMA NFHLUSDA Rural Development: Not Eligible
Verify eligibility at USDAListed by Richard A Reid
KW Showcase Realty
Frequently Asked Questions about 3980 Spencer Terrace, West Bloomfield, MI 48323
Which school district serves 3980 Spencer Terrace, West Bloomfield, MI 48323?
Per MLS# 20261050776, 3980 Spencer Terrace, West Bloomfield, MI 48323 is in the Walled Lake boundaries. School district assignments are determined by property location and may differ from the mailing city. Contact Walled Lake directly to confirm enrollment eligibility.
What financing options are available for 3980 Spencer Terrace, West Bloomfield, MI 48323?
Per MLS# 20261050776, this listing accepts Cash, Conventional, FHA 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 3980 Spencer Terrace, West Bloomfield, MI 48323?
Per public tax records, annual property taxes for this property are $3,225. 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, 3980 Spencer Terrace, West Bloomfield, MI 48323 is not in an eligible area. USDA eligibility is based on property location — properties within designated urban zones are excluded. Other low-down-payment options (FHA, VA) may still be available.
Is 3980 Spencer Terrace, West Bloomfield, MI 48323 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 3980 Spencer Terrace, West Bloomfield, MI 48323?
Per Michigan Public Service Commission service territory data: Electric: DTE Electric Company. Gas: Consumers Energy Company. Sewer: Public. Water: Well. 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.
Map
Tax Estimate
$
Annual tax$5,544
Monthly$462
Millage rate36.9494 mills
Municipality: CHARTER TOWNSHIP OF WEST BLOOMFIELD
School district: TR-BLMFLD/W BLMFLD
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$2,991
Principal & interest$2,529
Property taxes$462
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
3980 Spencer Terrace, West Bloomfield, MI 48323
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Municipality
West Bloomfield Township
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County
Oakland County
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