For Sale
5060 Harbor Oak Drive, 49, Waterford, MI 48329
$169,900
MLS # 20261047036 (Realcomp)
2 beds2 baths1,332 sqftBuilt 1988
1 / 19
Listing Description
Desirable first-floor ranch condo offering comfortable, low-maintenance living with an open-concept layout and access to Eagle Lake. The kitchen features ample cabinet storage and flows seamlessly into the adjacent dining area, where a sliding glass door leads to the covered backyard patio. The spacious living room is highlighted by a fireplace with mantle, creating a warm and inviting gathering space. The primary bedroom includes a walk-in closet and private ensuite bathroom. A second bedroom and full bathroom provide comfortable accommodations for guests, a home office, or additional living needs. Convenient in-unit laundry adds everyday functionality. Outside, enjoy relaxing on the covered patio, with bylaws permitting a grill for outdoor cooking and entertaining. Residents enjoy Eagle Lake access and privileges, along with the convenience of an HOA that covers water, trash service, and grounds maintenance. Combining a practical floor plan, desirable amenities, and easy living, this home is a great opportunity for a variety of buyers.
Source: SparkMLS
About this home
This 2-bedroom, 2-bath, 1,332 sq ft home built in 1988 sits in Waterford Township in Waterford.
Asking $169,900 (about $128/sq ft).
Annual property taxes run approximately $2,260 ($188/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 SubtypeCondominium
Bedrooms2
Bathrooms2
Living Area1,332 sqft
Year Built1988
Stories1
Location
CityWaterford
MunicipalityWaterford Twp
Zip Code48329
CountyOakland
School DistrictWaterford
Construction & Systems
ConstructionVinyl Siding
BasementSlab
HeatingForced Air
WaterPublic
SewerPublic
InteriorHome Warranty
Sale & Financing
Listed6/22/2026
Original Price$175,000
Terms AcceptedCash, Conventional, FHA, VA Loan
HOA
HOA Fee$344 / Monthly
IncludesLawn/Yard Care, Trash, Water
Source: SparkMLS
Tax Information
Annual Tax$2,166
State Equalized Value$74,330
Taxable Value$58,210
Parcel #1304433060
Source: Public Records
Legal Description
T3N, R9E, SEC 3 & 4 OAKLAND COUNTY CONDOMINIUM PLAN NO 516 HARBOR OAKS CONDOMINIUMS UNIT 49, BLDG 4 L 10178 P 121 3-18-88 FR 13-03-301-003
Property Records
FEMA Flood Zone: Zone AE — 100-year floodplain
Flood insurance required for federally backed mortgages
Source: FEMA NFHLUSDA Rural Development: Not Eligible
Verify eligibility at USDAListed by Christina Gennari
KW Domain
Frequently Asked Questions about 5060 Harbor Oak Drive, 49, Waterford, MI 48329
Which school district serves 5060 Harbor Oak Drive, 49, Waterford, MI 48329?
Per MLS# 20261047036, 5060 Harbor Oak Drive, 49, 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.
What type of financing is accepted for this listing?
Per MLS# 20261047036, this listing accepts Cash, Conventional, FHA, VA Loan 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 5060 Harbor Oak Drive, 49, Waterford, MI 48329?
Per public tax records, annual property taxes for this property are $2,166. 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, 5060 Harbor Oak Drive, 49, 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 5060 Harbor Oak Drive, 49, Waterford, MI 48329 in a flood zone?
Per FEMA flood maps, this property is designated as Zone AE, a high-risk flood area. Flood insurance is required for federally-backed mortgages in this zone. FEMA flood maps are updated periodically — verify the current designation at msc.fema.gov.
What utilities serve 5060 Harbor Oak Drive, 49, 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$2,260
Monthly$188
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$1,634
Principal & interest$1,102
Property taxes$188
HOA$344
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
5060 Harbor Oak Drive, 49, Waterford, MI 48329
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Municipality
Waterford Township
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County
Oakland County
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