Sold
5078 Harbor Oak Drive, 40, Waterford, MI 48329
Sold on 06/10/2026 for$165,000
MLS # 20261033545 (Realcomp)
2 beds2 baths1,332 sqftBuilt 1988
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Listing Description
Move in ready ground floor condo with no steps, offering an open floor plan designed for today’s lifestyle. The spacious interior boasts a large Great room with gas fireplace flanked by windows that flows seamlessly into the Dining space and a modern kitchen with stainless steel appliances. The expansive primary suite, complete with a large master bath and a generous walk-in closet are perfectly placed opposite from main living to allow privacy. The secondary Bedroom is perfect for guests or family or a great option as an office/study/den. Being on the ground level allows for easy access to your covered patio, equipped with a secure deadbolt lock, making it convenient to come and go with purchases. Additional outdoor storage “shed” is convenient for seasonal items. Includes Carport #40. Furnace and A/C 2009, Water heater 2020, Windows 2010. Enjoy a leisurely stroll along the paved path to the private beach, where you can utilize the amenities offered on Eagle Lake, perfect for launching kayaks, paddleboards, canoes, and enjoying picnics.
Source: SparkMLS
About this home
2-bedroom, 2-bath, 1,332 sq ft home in Waterford Township in Waterford built in 1988.
This home sold for $165,000 (about $124/sq ft).
Estimated annual property tax: $2,220, or about $185 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 Area1,332 sqft
Year Built1988
Stories1
Location
CityWaterford
MunicipalityWaterford Twp
Zip Code48329
CountyOakland
School DistrictWaterford
Construction & Systems
ConstructionBrick, Vinyl Siding
BasementSlab
HeatingForced Air
WaterPublic
SewerPublic
Sale & Financing
Listed5/21/2026
Sold Date6/9/2026
Terms AcceptedCash, Conventional
HOA
HOA Fee$344 / Monthly
IncludesLawn/Yard Care, Sewer, Snow Removal, Trash, Water
Source: SparkMLS
Tax Information
Annual Tax$3,283
State Equalized Value$73,000
Taxable Value$59,820
Parcel #1304433051
Source: Public Records
Legal Description
T3N, R9E, SEC 3 & 4 OAKLAND COUNTY CONDOMINIUM PLAN NO 516 HARBOR OAKS CONDOMINIUMS UNIT 40, BLDG 1 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: Eligible — 0% Down Payment Available
Verify eligibility at USDAListed by Shawn Hermansen
Brookstone, Realtors LLC
Frequently Asked Questions about 5078 Harbor Oak Drive, 40, Waterford, MI 48329
Which school district serves 5078 Harbor Oak Drive, 40, Waterford, MI 48329?
Per MLS# 20261033545, 5078 Harbor Oak Drive, 40, 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# 20261033545, this listing accepts Cash, Conventional financing. Financing acceptance is subject to change — confirm with the listing agent.
What are the property taxes at 5078 Harbor Oak Drive, 40, Waterford, MI 48329?
Per public tax records, annual property taxes for this property are $3,283. 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, 5078 Harbor Oak Drive, 40, Waterford, MI 48329 is in an eligible area. USDA RD loans offer 0% down payment for qualified buyers. Verify current eligibility at the USDA eligibility site, as boundaries are updated periodically.
Is 5078 Harbor Oak Drive, 40, 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 5078 Harbor Oak Drive, 40, 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.
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Tax Estimate
$
Annual tax$2,220
Monthly$185
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$1,599
Principal & interest$1,070
Property taxes$185
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
5078 Harbor Oak Drive, 40, Waterford, MI 48329
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Municipality
Waterford Township
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County
Oakland County
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