Pending
5096 Harbor Oak Drive, 31, Waterford, MI 48329
$170,000
MLS # 20261049582 (Realcomp)
3 beds2 baths1,731 sqftBuilt 19880 acres
1 / 49
Listing Description
Come make cherish memories in this hard to find 3-bedroom 2 full bath, large square ft condo with lake living in a waterfront community located on private All-sport Eagle Lake. Take the scenic trail walk to the private lake area, dock, & picnic area. Enjoy kayaking, paddle boat, canoeing, fishing or sit & relax for the day. Ranch with open floor plan, nice size kitchen with plenty of cabinet’s & all appliances, opens to spacious living room area with fireplace & a wet bar, perfect for family & friends get-togethers. Dining area has door wall that walks out to cozy covered patio, great for relaxing with coffee, a drink, reading or visiting with friends. Convenient in-unit laundry with washer & dryer. Large primary suite has private full bath & large walk-in closet. Condo offers 2 more large bedrooms, 3rd bedrm has built- desk & murphy bed great for home office & extra guest rm. The other 2nd bedroom is great for also to make a hobby or work-out room. Both bedrooms have access to the 2nd full bath. Carport #31 comes with this unit, great for the snow & Rainey days. Assoc dues includes your water & sewer bills, trash, snow removal, lawn & outside building maintenance & access to the lake area. Move in at close. 2 Access to condo main entry with stairs down to unit or from ground level through door wall & back parking area. Has Private storge unit located in patio area.
Source: SparkMLS
About this home
This 3-bedroom, 2-bath, 1,731 sq ft home built in 1988 sits in Waterford Township in Waterford.
Asking $170,000 (about $98/sq ft).
Property tax estimate: $2,695 per year ($225/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
Bedrooms3
Bathrooms2
Living Area1,731 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
Listed6/29/2026
Terms AcceptedCash, Conventional
HOA
HOA Fee$344 / Monthly
IncludesLawn/Yard Care, Sewer, Snow Removal, Trash, Water
Source: SparkMLS
Tax Information
Annual Tax$2,886
State Equalized Value$88,640
Taxable Value$77,720
Parcel #1304433042
Source: Public Records
Legal Description
T3N, R9E, SEC 3 & 4 OAKLAND COUNTY CONDOMINIUM PLAN NO 516 HARBOR OAKS CONDOMINIUMS UNIT 31, 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 Joanne Freeman
Real Estate One-Rochester
Frequently Asked Questions about 5096 Harbor Oak Drive, 31, Waterford, MI 48329
Which school district serves 5096 Harbor Oak Drive, 31, Waterford, MI 48329?
Per MLS# 20261049582, 5096 Harbor Oak Drive, 31, 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.
Can I use FHA or VA financing for this property?
Per MLS# 20261049582, this listing accepts Cash, Conventional financing. Financing acceptance is subject to change — confirm with the listing agent.
What are the property taxes at 5096 Harbor Oak Drive, 31, Waterford, MI 48329?
Per public tax records, annual property taxes for this property are $2,886. 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, 5096 Harbor Oak Drive, 31, 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 5096 Harbor Oak Drive, 31, 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 5096 Harbor Oak Drive, 31, 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$2,695
Monthly$225
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$1,671
Principal & interest$1,103
Property taxes$225
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
5096 Harbor Oak Drive, 31, Waterford, MI 48329
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Municipality
Waterford Township
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County
Oakland County
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