Pending
5076 Harbor Oak Drive, Waterford, MI 48329
$229,000
MLS # 20261046293 (Realcomp)
2 beds2 baths1,345 sqftBuilt 1988
1 / 27
Listing Description
***Open House - Father's Day 1-3PM*** Welcome to the Contemporary Treehouse—fully reimagined, move-in ready end-unit offering high-end finishes throughout. Every detail has been updated to create a modern, luxury feel from the moment you enter.Features include smooth ceilings with crown molding, recessed LED lighting, custom wainscoting, upgraded closet shelving, new carpet in bedrooms, and high-end LVP flooring throughout. All interior doors have been replaced with solid wood 6-panel doors and quality hardware.Both bathrooms are fully remodeled with ceramic and porcelain finishes, quartz-topped soft-close vanities, humidity-sensing exhaust fans, glass shower enclosures, and rainfall/handheld shower systems. The guest bath includes a deep soaking tub designed for relaxation.The great room and kitchen are stunning, with removed popcorn ceilings replaced by decorative beams and recessed lighting. The living space features a 6 ft. ceiling fan and a custom fireplace with a floating quartz hearth, porcelain surround, and mounted 65” 4K Smart TV.The chef’s kitchen centers around a 9’+ quartz waterfall island with seating for four, stainless undermount sink, and a pop-up charging station. Premium appliances include a microwave/air fryer/convection combo, 4-door refrigerator with beverage center and dual ice makers, auto-dry dishwasher, induction cooktop, WiFi-enabled oven, and remote exhaust fan. Custom high-gloss cabinetry offers soft-close drawers, pull-outs, and smart storage, complemented by LED-lit backsplash and a walk-in pantry.Enjoy peaceful treetop views from the covered deck—this end unit offers extra windows and a private wooded setting. Additional upgrades include Wallside windows and updated furnace and A/C.HOA includes access to a private lake lot with dock on all-sports Eagle Lake, ideal for fishing, kayaking, or canoeing.Current taxes are non-homesteaded. HOA water softener for building included in monthly fee.
Source: SparkMLS
About this home
2-bedroom, 2-bath, 1,345 sq ft home in Waterford Township in Waterford built in 1988.
Currently offered at $229,000 (about $170/sq ft).
Annual property taxes run approximately $2,263 ($189/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 Area1,345 sqft
Year Built1988
Stories1
Location
CityWaterford
MunicipalityWaterford Twp
Zip Code48329
CountyOakland
School DistrictWaterford
Construction & Systems
ConstructionVinyl Siding
BasementSlab
HeatingForced Air
WaterPublic
SewerPublic
Sale & Financing
Listed6/18/2026
Terms AcceptedCash, Conventional
HOA
HOA Fee$344 / Monthly
IncludesLawn/Yard Care, Sewer, Snow Removal, Trash, Water, Other
Source: SparkMLS
Tax Information
Annual Tax$3,848
State Equalized Value$74,410
Taxable Value$70,180
Parcel #1304433056
Source: Public Records
Legal Description
T3N, R9E, SEC 3 & 4 OAKLAND COUNTY CONDOMINIUM PLAN NO 516 HARBOR OAKS CONDOMINIUMS UNIT 45, 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 Jim Vitasinsky
National Realty Centers, Inc
Frequently Asked Questions about 5076 Harbor Oak Drive, Waterford, MI 48329
Which school district serves 5076 Harbor Oak Drive, Waterford, MI 48329?
Per MLS# 20261046293, 5076 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.
What financing options are available for 5076 Harbor Oak Drive, Waterford, MI 48329?
Per MLS# 20261046293, this listing accepts Cash, Conventional financing. Financing acceptance is subject to change — confirm with the listing agent.
What are the property taxes at 5076 Harbor Oak Drive, Waterford, MI 48329?
Per public tax records, annual property taxes for this property are $3,848. 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, 5076 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 5076 Harbor Oak Drive, 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 5076 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$2,263
Monthly$189
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$2,018
Principal & interest$1,485
Property taxes$189
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
5076 Harbor Oak Drive, Waterford, MI 48329
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Municipality
Waterford Township
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County
Oakland County
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