Sold
5094 Harbor Oak Drive, 36, Waterford, MI 48329
Sold on 05/29/2026 for$173,000
MLS # 20261022989 (Realcomp)
2 beds2 baths1,345 sqftBuilt 1988
1 / 45
Listing Description
Best value in the area for this spacious and well maintained 2 bedroom 2 full bath condominium offering an ideal blend of comfort and convenience. Both bedrooms are generously sized, providing exceptional space rarely found in similar condos. The soaring vaulted ceiling in the great room creates an airy feel, complemented by a natural fireplace and seamless flow into the kitchen and dining area. Step out onto your private balcony to relax and unwind. Enjoy a private setting with scenic walking paths to Eagle Lake, all within close proximity to shopping, dining, and everyday conveniences. New AC & Furnace 2018, and new Water Heater 2022. Seller will pay the Special Assessment of $300 due July 1, 2026. Seller will provide 1 year home warranty. HOA includes lawn & snow maintenance, water and sewer, trash, and grounds security lighting.
Source: SparkMLS
About this home
This 2-bedroom, 2-bath, 1,345 sq ft home built in 1988 sits in Waterford Township in Waterford.
Final sale price: $173,000 (about $129/sq ft).
Annual property taxes run approximately $2,272 ($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
Stories2
Location
CityWaterford
MunicipalityWaterford Twp
Zip Code48329
CountyOakland
School DistrictWaterford
Construction & Systems
ConstructionVinyl Siding
BasementSlab
HeatingForced Air
WaterPublic
SewerPublic
InteriorHome Warranty, Water Softener/Owned
Sale & Financing
Listed4/7/2026
Sold Date5/28/2026
Terms AcceptedCash, Conventional, FHA, VA Loan
HOA
HOA Fee$344 / Monthly
IncludesLawn/Yard Care, Sewer, Snow Removal, Trash
Source: SparkMLS
Tax Information
Annual Tax$2,133
State Equalized Value$74,710
Taxable Value$58,840
Parcel #1304433047
Source: Public Records
Legal Description
T3N, R9E, SEC 3 & 4 OAKLAND COUNTY CONDOMINIUM PLAN NO 516 HARBOR OAKS CONDOMINIUMS UNIT 36, 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 Debbie L Weiss
Signature Sotheby's International Realty Bham
Frequently Asked Questions about 5094 Harbor Oak Drive, 36, Waterford, MI 48329
What school district is 5094 Harbor Oak Drive, 36, Waterford, MI 48329 in?
Per MLS# 20261022989, this property is served by Waterford. In Michigan, school district boundaries are set by the state and do not always follow city limits.
What financing options are available for 5094 Harbor Oak Drive, 36, Waterford, MI 48329?
Per MLS# 20261022989, the seller has indicated this property accepts the following financing types: Cash, Conventional, FHA, VA Loan. FHA financing can offer lower down payment requirements for qualified buyers. Financing acceptance is subject to change — confirm with the listing agent.
How much are property taxes for this home?
Per MLS# 20261022989, the most recent reported annual property tax for 5094 Harbor Oak Drive, 36, Waterford, MI 48329 is $2,133. 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 5094 Harbor Oak Drive, 36, Waterford, MI 48329 eligible for USDA financing?
Per USDA Rural Development boundary data, 5094 Harbor Oak Drive, 36, 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, 5094 Harbor Oak Drive, 36, 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.
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.
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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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Monthly payment$1,635
Principal & interest$1,102
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
5094 Harbor Oak Drive, 36, Waterford, MI 48329
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Municipality
Waterford Township
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County
Oakland County
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