Sold
5086 HARBOR OAK Drive, 38, Waterford, MI 48329
Sold on 09/25/2025 for$171,000
MLS # 20251017790 (Realcomp)
2 beds2 baths1,345 sqftBuilt 1988
1 / 20
Listing Description
GROUND- FLOOR, SINGLE- LEVEL CONDO with secure building entrance and easy, no-stairs access. Enjoy an open-concept layout with a gas fireplace in the great room and durable LVP flooring throughout. Private Balcony off dining room. Generous storage space; all appliances included, and the convenience of everything on one level. Lake privileges on Eagle Lake complete the package.
Source: SparkMLS
About this home
This 2-bedroom, 2-bath, 1,345 sq ft home built in 1988 sits in Waterford Township in Waterford.
Closed at $171,000 (about $127/sq ft).
Estimated annual property tax: $2,272, or about $189 monthly. Estimate is based on county assessor records and current millage rates; actual tax may vary with PRE status and recent assessment changes.
Fiber internet is available at this address with download speeds up to 5,000 Mbps across 8 providers. 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
Listed7/15/2025
Sold Date9/24/2025
Original Price$175,000
Terms AcceptedCash, Conventional
HOA
HOA Fee$344 / Monthly
IncludesLawn/Yard Care, Snow Removal, Trash
Source: SparkMLS
Tax Information
Annual Tax$2,368
State Equalized Value$74,710
Taxable Value$74,710
Parcel #1304433049
Source: Public Records
Legal Description
T3N, R9E, SEC 3 & 4 OAKLAND COUNTY CONDOMINIUM PLAN NO 516 HARBOR OAKS CONDOMINIUMS UNIT 38, 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: Not Eligible
Verify eligibility at USDAListed by Patty A Meixell
Berkshire Hathaway HomeServices Kee Realty Oxford
Frequently Asked Questions about 5086 HARBOR OAK Drive, 38, Waterford, MI 48329
What school district is 5086 HARBOR OAK Drive, 38, Waterford, MI 48329 in?
Per MLS# 20251017790, this property is served by Waterford. 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# 20251017790, the seller has indicated this property accepts the following financing types: Cash, Conventional. Financing acceptance is subject to change — confirm with the listing agent.
How much are property taxes for this home?
Per MLS# 20251017790, the most recent reported annual property tax for 5086 HARBOR OAK Drive, 38, Waterford, MI 48329 is $2,368. 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 5086 HARBOR OAK Drive, 38, Waterford, MI 48329 eligible for USDA financing?
Per USDA Rural Development boundary data, 5086 HARBOR OAK Drive, 38, 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.
What is the FEMA flood zone designation for this property?
Per FEMA's National Flood Hazard Layer, 5086 HARBOR OAK Drive, 38, Waterford, MI 48329 is in flood zone AE (high risk). 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.
Is fiber internet available at 5086 HARBOR OAK Drive, 38, Waterford, MI 48329?
Per FCC broadband data, this property has access to fiber internet service. The maximum advertised download speed is 5.0 Gbps. 8 internet providers serve this address. Confirm availability and speeds directly with providers.
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: Public. Water: Public. 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$2,272
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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%
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Monthly payment$1,642
Principal & interest$1,109
Property taxes$189
HOA$344
Estimate only. Does not include PMI or other fees. Consult a lender for exact rates.
Internet
FiberDownload
5 Gbps
Upload
5 Gbps
FiberCableLicensed Fixed WirelessGSO SatelliteSatellite
8 providers at this address
FCC Broadband Data Collection (Dec 2025). Max advertised speeds.
Utilities
DTE Electric Company
Investor-Owned
Consumers Energy Company
Investor-Owned
MI Public Service Commission service territory boundaries.
Property
5086 HARBOR OAK Drive, 38, Waterford, MI 48329
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Municipality
Waterford Township
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County
Oakland County
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