Sold
5026 Harbor Oak Drive, Waterford, MI 48329
Sold on 07/16/2026 for$193,000
MLS # 20261035659 (Realcomp)
2 beds2 baths2,331 sqftBuilt 1997
1 / 25
Listing Description
First-floor entry end-unit condo offering comfortable, low-maintenance living in a peaceful setting! Well cared for and move-in ready, this home features first-floor laundry along with a spacious primary suite and a fully updated bath including a beautiful zero-entry/step-in shower. Major mechanical updates include a new A/C (2022) and furnace (2024) for added peace of mind. The partially finished full basement provides additional living space along with plenty of storage. Enjoy access to a scenic walking path leading to all-sports Eagle Lake recreation area and swim access. A wonderful opportunity to enjoy convenience, comfort, and nearby outdoor amenities! Some photos have been virtually staged and/or virtually renovated to help showcase the home’s potential and assist buyers in visualizing possible use of the space. Actual condition, layout, finishes, and features may vary. Buyer and buyer’s agent to verify all information.
Source: SparkMLS
About this home
This 2-bedroom, 2-bath, 2,331 sq ft home built in 1997 sits in Waterford Township in Waterford.
Final sale price: $193,000 (about $83/sq ft).
Estimated annual property tax: $2,402, or about $200 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 SubtypeCondominium
Bedrooms2
Bathrooms2
Living Area2,331 sqft
Year Built1997
Stories1
Location
CityWaterford
MunicipalityWaterford Twp
Zip Code48329
CountyOakland
School DistrictWaterford
Construction & Systems
ConstructionAluminum Siding, Vinyl Siding
BasementPartial
Garage1 space
HeatingForced Air
WaterPublic
SewerPublic
InteriorBasement Partially Finished
Sale & Financing
Listed5/21/2026
Sold Date7/15/2026
Original Price$199,900
Terms AcceptedCash, Conventional
HOA
HOA Fee$420 / Monthly
Source: SparkMLS
Tax Information
Annual Tax$1,478
State Equalized Value$79,000
Taxable Value$40,630
Parcel #1303301034
Source: Public Records
Legal Description
T3N, R9E, SEC 3 OAKLAND COUNTY CONDOMINIUM PLAN NO 841 HARBOR COVE-WATERFORD CONDOMINIUM UNIT 27, BLDG 4 L 14244 P 828 3-4-97 FR 007
Property Records
FEMA Flood Zone: Zone X — Minimal flood risk
Source: FEMA NFHLUSDA Rural Development: Not Eligible
Verify eligibility at USDAListed by Jeff Glover
KW Professionals
Frequently Asked Questions about 5026 Harbor Oak Drive, Waterford, MI 48329
Which school district serves 5026 Harbor Oak Drive, Waterford, MI 48329?
Per MLS# 20261035659, 5026 Harbor Oak Drive, Waterford, MI 48329 is in the Waterford boundaries. School district assignments are determined by property location and may differ from the mailing city. Contact Waterford directly to confirm enrollment eligibility.
Can I use FHA or VA financing for this property?
Per MLS# 20261035659, this listing accepts Cash, Conventional financing. Financing acceptance is subject to change — confirm with the listing agent.
What are the property taxes at 5026 Harbor Oak Drive, Waterford, MI 48329?
Per public tax records, annual property taxes for this property are $1,478. 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, 5026 Harbor Oak Drive, Waterford, MI 48329 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 5026 Harbor Oak Drive, Waterford, MI 48329 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 5026 Harbor Oak Drive, Waterford, MI 48329?
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.
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$2,402
Monthly$200
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$1,852
Principal & interest$1,232
Property taxes$200
HOA$420
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
5026 Harbor Oak Drive, Waterford, MI 48329
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Municipality
Waterford Township
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County
Oakland County
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