Accepting backups

$595,000

1020 Cross St, Oxford, MI 48371

4beds

3,746sqft

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Single Family Residence

Built in 2011

10,018 Square Feet Lot

$585,900 Zestimate^®

$159/sqft

$58/mo HOA

What's special

Beautiful 5 bedroom, 3.1 bath Oxford Colonial in Bay Village of Waterstone with nearly 3,750 finished sqft, lake privileges, pond views, and a walk-out finished basement! The main level offers an open layout, great room fireplace, private study, dining space, and an updated kitchen with new counters, backsplash, sink, and a dream pantry. Upstairs features spacious bedrooms, a large second-floor laundry room, updated primary bath with towel warmers, and a professionally designed primary closet by Closets By Design. Finished walk-out basement includes a bedroom, full bath, and bonus living space. New sump pump in 2026, owned water softener, annually serviced mechanicals, invisible dog fence, deck, fenced yard, and 2-car attached garage. Listing price reflects 2026 appraisal.

26 days

1,838

79

Facts & features

Interior

Bedrooms & bathrooms

Bedrooms: 4
Bathrooms: 4
Full bathrooms: 3
1/2 bathrooms: 1

Primary bedroom

Level: Second
Area: 234
Dimensions: 13 X 18

Bedroom

Level: Second
Area: 182
Dimensions: 13 X 14

Bedroom

Level: Second
Area: 156
Dimensions: 13 X 12

Bedroom

Level: Second
Area: 169
Dimensions: 13 X 13

Primary bathroom

Level: Second
Area: 112
Dimensions: 8 X 14

Other

Level: Second
Area: 70
Dimensions: 5 X 14

Other

Level: Basement
Area: 60
Dimensions: 12 X 5

Other

Level: Entry
Area: 48
Dimensions: 8 X 6

Bonus room

Level: Basement
Area: 493
Dimensions: 29 X 17

Bonus room

Level: Basement
Area: 156
Dimensions: 12 X 13

Other

Level: Entry
Area: 253
Dimensions: 11 X 23

Dining room

Level: Entry
Area: 357
Dimensions: 21 X 17

Great room

Level: Entry
Area: 272
Dimensions: 17 X 16

Kitchen

Level: Entry
Area: 168
Dimensions: 12 X 14

Laundry

Level: Second
Area: 66
Dimensions: 6 X 11

Library

Level: Entry
Area: 156
Dimensions: 13 X 12

Heating

Forced Air, Natural Gas

Cooling

Ceiling Fans, Central Air

Appliances

Included: Dishwasher, Dryer, Energy Star Qualified Washer, Free Standing Gas Range, Free Standing Refrigerator, Microwave, Washer

Features

Basement: Finished,Walk Out Access
Has fireplace: Yes
Fireplace features: Great Room

Interior area

Total interior livable area: 3,746 sqft
Finished area above ground: 2,746
Finished area below ground: 1,000

Property

Parking

Total spaces: 2
Parking features: Two Car Garage, Attached, Direct Access, Electricityin Garage, Garage Faces Front, Garage Door Opener
Attached garage spaces: 2

Features

Levels: Two
Stories: 2
Entry location: GroundLevelwSteps
Patio & porch: Covered, Deck, Porch
Exterior features: Lighting
Pool features: None
Fencing: Invisible
On waterfront: Yes
Waterfront features: Lake Front, Lake Privileges, Pond
Body of water: Waterstone Lake

Lot

Size: 10,018 Square Feet
Dimensions: 77 x 132 x 65 x 170

Details

Parcel number: 0421101036
Special conditions: Short Sale No,Standard

Construction

Type & style

Home type: SingleFamily
Architectural style: Colonial
Property subtype: Single Family Residence

Materials

Brick, Vinyl Siding
Foundation: Basement, Poured

Condition

New construction: No
Year built: 2011

Utilities & green energy

Sewer: Public Sewer
Water: Public

Community & HOA

Community

Subdivision: BAY VILLAGE OF WATERSTONE OCCPN 1392

HOA

Has HOA: Yes
HOA fee: $690 annually

Location

Region: Oxford

Financial & listing details

Price per square foot: $159/sqft
Tax assessed value: $201,310
Annual tax amount: $7,487
Date on market: 6/19/2026
Cumulative days on market: 26 days
Listing agreement: Exclusive Right To Sell
Listing terms: Cash,Conventional,FHA,Va Loan
Exclusions: Exclusion(s) Do Not Exist

Estimated market value

$585,900

$557,000 - $615,000

$3,349/mo

Price history

Date	Event	Price
6/19/2026	Listed for sale	$595,000+77.6%$159/sqft
Source: Realcomp II #20261045459 Report a problem
3/20/2018	Sold	$335,000+34%$89/sqft
Source: Public Record Report a problem
1/22/2013	Sold	$250,000+15042.3%$67/sqft
Source: Public Record Report a problem
3/23/2012	Sold	$1,651
Source: Public Record Report a problem

Public tax history

Year	Property taxes	Tax assessment
2024	$6,669 +2.9%	$229,070 +9.9%
2023	$6,482 +4.6%	$208,480 +12.8%
2022	$6,196 +0.9%	$184,860 +4.8%
2021	$6,143	$176,330 +1.8%
2020	--	$173,230 +4.4%
2019	$5,801 +40.2%	$165,960 +3.1%
2018	$4,138 +0.2%	$160,900 +1.9%
2017	$4,129	$157,830 +4.3%
2016	$4,129	$151,340 +6.4%
2015	--	$142,210 +11.5%
2014	--	$127,540

Find assessor info on the county website

Monthly payment

Est. payment

Payment breakdown

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Principal & interest
$1,547
Mortgage insurance
$0
Property taxes
$170
Home insurance
$105
HOA fees
$0
Utilities
Not included

All calculations are estimates and provided by Zillow, Inc. for informational purposes only. Actual amounts may vary.

HOA fees may include property taxes on listings classified as Co-Ops. Contact the listing agent and/or owner for fee details.

Mortgage interest rates are dependent on a number of factors, including credit score, down payment, and repayment length. Interest rate data provided by Zillow Group Marketplace, Inc. as of 1/1/1970 from various mortgage lenders with which we have lead or other similar arrangements; the Estimated Payment is an average of those rates.

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