Sold
821 Cross Circle, Oxford, MI 48371
Sold on 05/06/2026 for$655,000
MLS # 26016909 (Michigan Regional Information Center (MichRIC))
3 beds4 baths3,388 sqftBuilt 20040.37 acres
1 / 64
Listing Description
Experience your own private paradise with this stunning lakefront home, set on a deep lot that forms a secluded point with sandy lake bottom. Beautifully landscaped yard features a stone seawall, while a paver-edged driveway and walkway lead to an inviting tiled front porch. Outdoor living shines with a newer composite deck, a charming 3-season room, and a spacious paver patio--perfect for entertaining or relaxing with serene lake views. Inside, the elegant cape-style home showcases newer Chelsea wood flooring throughout the vaulted living and dining areas. The spacious kitchen is designed for both style and function, offering a center island, granite countertops, a neutral tile backsplash, and R/O system. Convenience meets comfort with a first-floor laundry room featuring updated cabinetry and stackable front-load appliances. Expansive primary ensuite has been thoughtfully enlarged to complement the home's layout and inc a beautiful bay window. Walkout brags huge rec area.
Source: SparkMLS
About this home
3-bedroom, 4-bath, 3,388 sq ft home in Oxford Township in Oxford built in 2004.
Closed at $655,000 (about $193/sq ft).
Estimated annual property tax: $8,889, or about $741 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 SubtypeSingle Family Residence
Bedrooms3
Bathrooms4
Living Area3,388 sqft
Lot Size0.37 acres
Year Built2004
Stories2
Location
CityOxford
MunicipalityOxford Twp
Zip Code48371
CountyOakland
School DistrictOxford
Construction & Systems
StyleCape Cod
ConstructionShingle Siding, Vinyl Siding
BasementFull, Walk-Out Access
Garage4 spaces
HeatingForced Air
WaterPublic
SewerPublic
UtilitiesNatural Gas Connected, Cable Connected, High-Speed Internet
InteriorCeiling Fan(s), Central Vacuum, Garage Door Opener, Wet Bar, Center Island
Sale & Financing
Listed4/20/2026
Sold Date5/5/2026
Terms AcceptedCash, Conventional
HOA
HOA Fee$690 / Annually
IncludesOther
Source: SparkMLS
Tax Information
Annual Tax$4,435
Tax Year2025
State Equalized Value$239,000
Taxable Value$197,630
Assessed Value$197,630
Parcel #0421101062
Source: Public Records
Legal Description
T5N, R10E, SEC 21 OAKLAND COUNTY CONDOMINIUM PLAN NO 1392 BAY VILLAGE OF WATERSTONE UNIT 62 L 24024 P 350 11-19-01 FR 100-011
Property Records
FEMA Flood Zone: Zone X — Minimal flood risk
Source: FEMA NFHLUSDA Rural Development: Eligible — 0% Down Payment Available
Verify eligibility at USDAListed by Eileen Denhard
RE/MAX Classic
Frequently Asked Questions about 821 Cross Circle, Oxford, MI 48371
What school district is 821 Cross Circle, Oxford, MI 48371 in?
Per MLS# 26016909, this property is served by Oxford. In Michigan, school district boundaries are set by the state and do not always follow city limits.
What type of financing is accepted for this listing?
Per MLS# 26016909, 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# 26016909, the most recent reported annual property tax for 821 Cross Circle, Oxford, MI 48371 is $4,435 (2025). 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 821 Cross Circle, Oxford, MI 48371 eligible for USDA financing?
Per USDA boundary maps, this property is located in a USDA-eligible area, which means qualified buyers may be able to finance with 0% down through the USDA Rural Development program. Confirm current eligibility directly with USDA.
What is the FEMA flood zone designation for this property?
Per FEMA's National Flood Hazard Layer, 821 Cross Circle, Oxford, MI 48371 is in flood zone X (minimal risk). Flood insurance is not typically required in this zone but may still be advisable. 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$8,889
Monthly$741
Millage rate37.1942 mills
Municipality: CHARTER TOWNSHIP OF OXFORD
School district: OXFORD AREA COMM SCH DIST
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$4,884
Principal & interest$4,086
Property taxes$741
HOA$58
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
821 Cross Circle, Oxford, MI 48371
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Municipality
Oxford Township
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County
Oakland County
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