Pending
439 S Winding Drive, Waterford, MI 48328
$245,000
MLS # 26033480 (Michigan Regional Information Center (MichRIC))
4 beds1 bath1,148 sqftBuilt 19760.17 acres
1 / 21
Listing Description
Enjoy lake living with association access to Elizabeth Lake and the private ELEIA beach, boat launch, campground, and recreation area. This well-maintained tri-level offers 4 bedrooms, 1 bath, and a functional multi-level floor plan with spacious living areas and a bright lower-level family room that provides flexible living space. The kitchen and bathroom feature granite countertops, while the deck, fenced backyard, and storage shed create the perfect setting for relaxing, entertaining, or enjoying the outdoors. Public water, public sewer, natural gas, and central air provide everyday convenience. Conveniently located near shopping, dining, parks, and major commuter routes, this home combines comfortable living with sought-after lake amenities and year-round recreation.
Source: SparkMLS
About this home
This 4-bedroom, 1-bath, 1,148 sq ft home built in 1976 sits in Waterford Township in Waterford.
Currently offered at $245,000 (about $213/sq ft).
Estimated annual property tax: $2,840, or about $237 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
Bedrooms4
Bathrooms1
Living Area1,148 sqft
Lot Size0.17 acres
Year Built1976
Stories3
Location
CityWaterford
MunicipalityWaterford Twp
Zip Code48328
CountyOakland
School DistrictWaterford
Construction & Systems
ConstructionVinyl Siding
BasementCrawl Space
HeatingForced Air
WaterPublic
SewerPublic
UtilitiesNatural Gas Connected
Sale & Financing
Listed7/1/2026
Terms AcceptedCash, FHA, Conventional
HOA
HOA Fee$229
Source: SparkMLS
Tax Information
Annual Tax$4,587
Tax Year2025
State Equalized Value$93,390
Taxable Value$64,660
Assessed Value$64,660
Parcel #1326356021
Source: Public Records
Legal Description
T3N, R9E, SEC 26 ELIZABETH LAKE ESTATES NO 2 LOT 615
Property Records
FEMA Flood Zone: Zone X — Minimal flood risk
Source: FEMA NFHLUSDA Rural Development: Not Eligible
Verify eligibility at USDAListed by Kathleen Hawkins
BHG Connections-Lawton
Frequently Asked Questions about 439 S Winding Drive, Waterford, MI 48328
What school district is 439 S Winding Drive, Waterford, MI 48328 in?
Per MLS# 26033480, this property is served by Waterford. In Michigan, school district boundaries are set by the state and do not always follow city limits.
Can I use FHA or VA financing for this property?
Per MLS# 26033480, the seller has indicated this property accepts the following financing types: Cash, FHA, Conventional. 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# 26033480, the most recent reported annual property tax for 439 S Winding Drive, Waterford, MI 48328 is $4,587 (2025). 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 439 S Winding Drive, Waterford, MI 48328 eligible for USDA financing?
Per USDA Rural Development boundary data, 439 S Winding Drive, 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, 439 S Winding Drive, 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$2,840
Monthly$237
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
$
%
$
$
$
Monthly payment$2,055
Principal & interest$1,589
Property taxes$237
HOA$229
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
439 S Winding Drive, Waterford, MI 48328
View full property history →
Municipality
Waterford Township
View all listings →
County
Oakland County
View county overview →
Get email alerts for new listings near 439 S Winding Drive
We'll notify you when something hits the market in Waterford Township or nearby.
Munro Real Estate · MI Broker #6502405404 · No spam, one-click unsubscribe.