For Sale
840 Cross Circle, Oxford, MI 48371
$599,900
MLS # 20261039203 (Realcomp)
4 beds3 baths3,720 sqftBuilt 20040.36 acres
1 / 40
Listing Description
LAKE LIFE IS CALLING! Welcome to your own slice of paradise on beautiful all-sports Waterstone Lake! Perfectly positioned on a premium corner lot, this built home offers breathtaking lake views, unforgettable sunsets, and the waterfront lifestyle you've been dreaming about. With 4 spacious bedrooms plus a potential 5th bedroom in the newly finished basement, there's plenty of room for family, guests, and entertaining. Two-story family room, abundant natural light, and thoughtfully designed open layout that brings everyone together. The beautifully updated kitchen shines with brand-new quartz countertops, stainless steel appliances, and plenty of space for gathering. Recent updates throughout the home include fresh interior and exterior paint, new fenced area perfect for pets, brand new washer and dryer, refinished hardwood floors, new carpeting, updated lighting, modern hardware, a new water heater, new water softener, and new exterior shutters—allowing you to move right in and start enjoying lake life. The finished basement adds valuable living space and is already framed and plumbed for a future half bath, giving you room to grow and customize. A convenient first-floor laundry and mudroom make everyday living easy and functional. Outside is where the magic happens. Relax on the covered front porch, entertain on the spacious deck, or head down to your private rock-wall beach. The included floating raft sets the stage for endless summer memories on the water. Whether you're cruising on your pontoon, casting a fishing line, paddleboarding at sunrise, or simply enjoying the peaceful lake views, every day feels like a vacation. Located just minutes from downtown Oxford and award-winning Oxford Schools, this exceptional waterfront home combines the tranquility of lakeside living with the convenience of nearby shopping, dining, and community events. Summer is here—bring your boat, your friends, and your sense of adventure. (Electric motors only)
Source: SparkMLS
About this home
4-bedroom, 3-bath, 3,720 sq ft home in Oxford Township in Oxford built in 2004.
Listed at $599,900 (about $161/sq ft).
Property tax estimate: $8,202 per year ($684/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 SubtypeSingle Family Residence
Bedrooms4
Bathrooms3
Living Area3,720 sqft
Lot Size0.36 acres
Year Built2004
Stories2
Location
CityOxford
MunicipalityOxford Twp
Zip Code48371
CountyOakland
School DistrictOxford
Construction & Systems
ConstructionVinyl Siding
Garage2 spaces
HeatingForced Air
WaterPublic
SewerPublic
InteriorBasement Finished, Whirlpool Tub
Sale & Financing
Listed5/28/2026
Original Price$610,000
Terms AcceptedCash, Conventional, FHA, VA Loan
HOA
HOA Fee$585 / Annually
Source: SparkMLS
Tax Information
Annual Tax$5,657
State Equalized Value$220,510
Taxable Value$128,170
Parcel #0421101067
Source: Public Records
Legal Description
T5N, R10E, SEC 21 OAKLAND COUNTY CONDOMINIUM PLAN NO 1392 BAY VILLAGE OF WATERSTONE UNIT 67 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 Jill K Bailey
RE/MAX Eclipse
Frequently Asked Questions about 840 Cross Circle, Oxford, MI 48371
What school district is 840 Cross Circle, Oxford, MI 48371 in?
Per MLS# 20261039203, this property is served by Oxford. 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# 20261039203, 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# 20261039203, the most recent reported annual property tax for 840 Cross Circle, Oxford, MI 48371 is $5,657. 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 840 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, 840 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$8,202
Monthly$684
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$4,623
Principal & interest$3,891
Property taxes$684
HOA$49
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
840 Cross Circle, Oxford, MI 48371
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Municipality
Oxford Township
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County
Oakland County
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