Pending
4642 Ponderosa Street, Commerce Twp, MI 48382
$390,000
MLS # 20261044394 (Realcomp)
3 beds2 baths2,008 sqftBuilt 19910.34 acres
1 / 66
Listing Description
Home located in Mt. Royal Sub, Lake privileges on all sports private Commerce Lake/Association, beach, playground, boat launch. 1 1/2 Story with 3 bedrooms, 2 full baths, finished basement, 20x20 beautiful heated sunroom with storage room below, large deck/with furniture, partially wooded corner lot, shed, partial fenced, well and septic, Walled Lake School District, immediate possession.
Source: SparkMLS
About this home
This 3-bedroom, 2-bath, 2,008 sq ft home built in 1991 sits in Commerce Township in Commerce Twp.
Asking $390,000 (about $194/sq ft).
Property tax estimate: $4,335 per year ($361/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 Area2,008 sqft
Lot Size0.34 acres
Year Built1991
Stories2
Location
CityCommerce Twp
MunicipalityCommerce Twp
Zip Code48382
CountyOakland
School DistrictWalled Lake
Construction & Systems
ConstructionVinyl Siding
BasementPartial
Garage2 spaces
HeatingForced Air
WaterWell
SewerSeptic Tank
InteriorBasement Partially Finished, Generator, Humidifier, Water Softener/Owned
Sale & Financing
Listed7/13/2026
Terms AcceptedCash, Conventional, FHA, VA Loan
HOA
HOA Fee$235 / Annually
IncludesSnow Removal, Other
Source: SparkMLS
Tax Information
Annual Tax$2,912
State Equalized Value$157,520
Taxable Value$85,340
Parcel #1710404029
Source: Public Records
Legal Description
T2N, R8E, SEC 10 FRANK S SALTER'S MOUNT ROYAL COUNTRY CLUB LOTS 12, 13 & 14 BLK 19
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 Anna Gollinger
Real Estate One-Commerce
Frequently Asked Questions about 4642 Ponderosa Street, Commerce Twp, MI 48382
What school district is 4642 Ponderosa Street, Commerce Twp, MI 48382 in?
Per MLS# 20261044394, this property is served by Walled Lake. 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# 20261044394, 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# 20261044394, the most recent reported annual property tax for 4642 Ponderosa Street, Commerce Twp, MI 48382 is $2,912. 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 4642 Ponderosa Street, Commerce Twp, MI 48382 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, 4642 Ponderosa Street, Commerce Twp, MI 48382 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: Septic Tank. Water: Well. 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$4,335
Monthly$361
Millage rate27.5203 mills
Municipality: CHARTER TOWNSHIP OF COMMERCE
School district: HURON VALLEY SCHOOLS
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$2,911
Principal & interest$2,530
Property taxes$361
HOA$20
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
4642 Ponderosa Street, Commerce Twp, MI 48382
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Municipality
Commerce Township
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County
Oakland County
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