Sold
4020 Totem Lane, Waterford, MI 48328
Sold on 07/13/2026 for$335,000
MLS # 20261034425 (Realcomp)
3 beds2 baths1,777 sqftBuilt 19460.25 acres
1 / 41
Listing Description
MULTIPLE OFFERS RECEIVED. H/B DEADLINE 6/14 @ 6PM. Gorgeous contemporary-style home, fully updated and perfectly positioned within walking distance to both Cass Lake and Elizabeth Lake. Bright, open floor plan with vaulted ceilings and skylight. Stunning interior updates include new LVT flooring throughout, all new Anderson windows and window treatments, new A/C, updated electric panel, and generator port. Both bathrooms are completely renovated. The kitchen shines with granite countertops, stainless steel appliances, and a new range hood. Exterior features include newer front and storm doors, a large 2.5-car garage, spacious patio with pergola, and a fully fenced yard with raised garden beds. Added gable insulation enhances efficiency. A truly move-in-ready home in a fantastic lake-area location!
Source: SparkMLS
About this home
This 3-bedroom, 2-bath, 1,777 sq ft home built in 1946 sits in Waterford Township in Waterford.
This home sold for $335,000 (about $189/sq ft).
Property tax estimate: $3,542 per year ($295/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
Bedrooms3
Bathrooms2
Living Area1,777 sqft
Lot Size0.25 acres
Year Built1946
Stories2
Location
CityWaterford
MunicipalityWaterford Twp
Zip Code48328
CountyOakland
School DistrictWaterford
Construction & Systems
ConstructionVinyl Siding
BasementSlab
Garage2.5 spaces
HeatingForced Air
WaterPublic
SewerPublic
Sale & Financing
Listed5/14/2026
Sold Date7/12/2026
Original Price$340,000
Terms AcceptedCash, Conventional, FHA, VA Loan
Source: SparkMLS
Tax Information
Annual Tax$4,118
State Equalized Value$116,480
Taxable Value$105,990
Parcel #1334431025
Source: Public Records
Legal Description
T3N, R9E, SEC 34 MENIWATERS SUB LOTS 267 & 268
Property Records
FEMA Flood Zone: Zone X — Minimal flood risk
Source: FEMA NFHLUSDA Rural Development: Not Eligible
Verify eligibility at USDAListed by Sonia Smyk
Coldwell Banker Professionals-Northville
Frequently Asked Questions about 4020 Totem Lane, Waterford, MI 48328
What school district is 4020 Totem Lane, Waterford, MI 48328 in?
Per MLS# 20261034425, 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# 20261034425, the seller has indicated this property accepts the following financing types: Cash, Conventional, FHA, VA Loan. 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# 20261034425, the most recent reported annual property tax for 4020 Totem Lane, Waterford, MI 48328 is $4,118. 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 4020 Totem Lane, Waterford, MI 48328 eligible for USDA financing?
Per USDA Rural Development boundary data, 4020 Totem Lane, Waterford, MI 48328 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.
What is the FEMA flood zone designation for this property?
Per FEMA's National Flood Hazard Layer, 4020 Totem Lane, 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.
Map
Tax Estimate
$
Annual tax$3,542
Monthly$295
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$2,436
Principal & interest$2,140
Property taxes$295
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
4020 Totem Lane, Waterford, MI 48328
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Municipality
Waterford Township
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County
Oakland County
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