3132 Harbor CT , Waterford Township, MI 48328
Est. $2,494/mo with current taxes · · See the breakdown
About this home
Welcome to this beautiful end unit ranch condo on one of the best lots in Scott Lake Coves! The spacious great room features a cathedral ceiling, a gas fireplace and French doors leading to the deck. The open floor plan flows into a gorgeous kitchen with updated cabinetry, granite countertops, tiles back splash and stainless steel appliances. The primary suite offers a vaulted ceiling and private bath, while the generously sized second bedroom features a bay window. Convenient dine in kitchen and first floor laundry completes the main level. Downstairs, the finished basement includes two daylight windows, a third bedroom with a huge walk in closet, another full tiled full bath and two additional rooms ready for a variety of uses. Relax on the maintenance free composite deck with aluminum railing overlooking a private wooded setting. Updates include the furnace and AC 2019, roof 2018, road 2024, Majic windows 2019, composite deck and railing 2019, garage door 2012 and wifi garage door opener 2024. Kitchen is approximately 10 years old. The HOA monthly fee includes exterior maintenance, grounds maintenance, snow removal and water & sewer! The trash is included in the taxes. This is such a nice condo in such a great neighborhood, you won't be disappointed!
Monthly payment
The tax line is the seller's current bill from the MLS. Michigan uncaps the taxable value the year after a sale, so tap See uncapped taxes for what a buyer will likely pay then.The uncapped tax line is this home's bill after it uncaps: half the price times 34.36 mills, the 2025 homestead rate here. Insurance is a $2,400/yr placeholder and PMI 0.55% of the loan below 20% down. An estimate, not a loan quote.
The facts
| Price | $270,000 |
| Beds | 2 |
| Baths | 3 full |
| Square feet | 2,309 |
| Type | Condominium |
| Subdivision | SCOTT LAKE COVE OCCPN 1214 |
| County | Oakland |
| MLS # | 20261087990 |
| Listed | 2026-10-30 |
| Days on market | 3 |
| Year built | 2000 |
| Possession | 6–15 days after closing |
| Stories | 1 story |
| Basement | Daylight, Finished |
| Heating | Forced air, Natural gas |
| Foundation | Basement, Poured |
| Garage spaces | 2.0 |
| Water / Sewer | City water & sewer |
| Fireplace | Yes |
| Parcel number | 1323476051 |
| Listing office | Remerica United Realty |
Property taxes: the seller's bill vs. yours
| This seller today | You, the year after buying | |
|---|---|---|
| Taxable value | $53,390 | about $135,000 |
| Yearly property tax | $2,182 | about $4,639 |
Michigan caps a homeowner's taxable value until the home sells, then it resets. That's about $2,457 a year more than this seller pays. The assessor's state equalized value (SEV) is $127,820. Your taxable value resets to the SEV the year after you buy, and assessors usually raise it to about half the sale price. Estimate uses Waterford Township's 2025 homestead rate of 34.36 mills and assumes you claim the homestead exemption. See Waterford Township's full tax breakdown or run the uncapping calculator.
Location
IDX provided courtesy of Realcomp II Ltd. via Match Realty LLC and Realcomp II Ltd, ©2026 Realcomp II Ltd. Shareholders. The accuracy of all information, regardless of source, is not guaranteed or warranted. All information should be independently verified. Listings refreshed 2026-11-02T23:11+00:00; refreshed at least twice daily.