Top Agent America / Michigan / Waterford
Find a top real estate agent in Waterford
Oakland County. Known for Cass and Elizabeth Lakes, lakefront and canal homes, year round cottages.
The Waterford market, honestly
Waterford is a township of lakes: Cass, Elizabeth, Loon, and Williams among dozens more, ringed by everything from small cottages converted to year round homes to full lakefront rebuilds. Off water streets a few hundred feet inland trade in an entirely different price band than the frontage they sit behind. Getting frontage, canal access, and lake privileges right is the whole valuation, and it is not something a spreadsheet does well.
That is why we match on evidence. When you ask for a Waterford agent, we look for closed sales in Waterford itself, in your price range, on your side of the city. If we do not have a strong local match, we say so instead of handing you to whoever is next in line.
Our team has closed 3 transactions in Waterford.
What Waterford actually charges in property tax
Michigan bills in mills against taxable value, and taxable value resets to about half of market value the year after a home changes hands. That is why the seller's current tax bill is close to meaningless to you, and it is why the honest way to read these numbers is as a share of what you pay for the house: the millage divided by 2,000.
Waterford contains 3 school district rates, from 1.52% to 1.73% of price. On a $400,000 home that is a $840 a year difference between the cheapest and the most expensive street in the same city. Most buyers never find this out until the first bill arrives.
| School district | Millage | Share of price | Tax on a $400,000 home |
|---|---|---|---|
| Pontiac City School District | 30.4079 | 1.52% | $6,082 |
| Waterford School District | 34.3599 | 1.72% | $6,872 |
| Clarkston Community Schools | 34.6099 | 1.73% | $6,922 |
Rates are 2025 totals for a principal residence with the Michigan homestead exemption. A second home, rental, or investment property adds roughly 18 mills of school operating tax on top. Special assessments for roads, police, or refuse can add more, and village residents pay a village levy as well.
Put Waterford rates into the affordability calculator
Source: Michigan Department of Treasury, 2025 Total Property Tax Rates in Michigan (Form 4029 total rates report). Verify any specific parcel with the Oakland County treasurer or the Michigan property tax estimator before you rely on it.
Get matched with a Waterford agent
Tell us where to reach you and we will text you within the hour during business hours. Free, no obligation, you decide after you talk.
Questions people ask
How fast will I hear back about a Waterford agent?
Usually within the hour during business hours. A real person from our Troy office reviews every request before any introduction happens.
Which Waterford school district has the lowest property taxes?
On 2025 homestead rates, Pontiac City School District is the lowest in Waterford at 30.4079 mills, about 1.52% of what you pay for the house. The highest is Clarkston Community Schools at 34.6099 mills, about 1.73%. On a $400,000 home that gap is $840 every year, which is worth knowing before you fall in love with a street.
What will property taxes cost on a $400,000 home in Waterford?
Roughly $6,082 to $6,922 a year as a principal residence, depending on which district the address sits in. That assumes taxable value resets to about half of market value when you buy, which is what Michigan uncapping does. If you are not claiming it as your principal residence, add roughly 18 mills.
Is this really free?
Yes. Buyers and sellers never pay us anything. When a deal closes, the agent pays a standard referral fee out of their own commission. Your agreement with your agent is exactly the same as if you had found them yourself.
Do I have to work with the agent you match?
No. The match is an introduction, not a contract. If the fit is wrong, tell us and we will introduce someone else, or you can simply walk away.