Lake Silver Terrace
Homes for Sale in Winter Haven, FL
All 844 homes for sale in Winter Haven, FL · median $279,900 · 261 homes for sale in 33881 · Polk County homes for sale
True comps, carrying-cost math, and listings before the portals.
As of November 2026, the MLS records 17 closed sales in Lake Silver Terrace in Winter Haven, FL since 2008, the most recent in July 2024. Across Winter Haven as a whole, 1,657 homes closed in the last 12 months at a median of $279,065, 54 median days on market, with 788 homes for sale today. At that median and Polk County's FY2025-26 rate of 16.19 mills, annual property tax runs about $4,520 ($3,840 with the full homestead exemption).
Lake Silver Terrace is a small, older pocket near the heart of Winter Haven - 41 homes, a median build year of 1948, and a median living area around 1,220 square feet. Price here is driven less by any single floor plan than by condition and lot, because the housing stock spans more than a century (1920 to 2022). That spread means two homes a block apart can sell at very different numbers depending on how much renovation has already been done.
As of August 2026, there are no active listings and no recent closings on record. That makes this a thin, low-turnover market where comparables are scarce and each sale sets the tone. For a buyer, patience matters - inventory appears when it appears. For a seller, the lack of competing listings can work in your favor, but you will need to lean on condition and the broader Winter Haven market to anchor price.
Figures in this note are as of October 26, 2026. The live market numbers elsewhere on this page update nightly and are newer.
Nearby homes for sale
No active listings inside LAKE SILVER TERRACE right now. These are the 6 closest homes on the market, by straight-line distance from the community's center; some may sit just outside its boundary.
Listing data from the MLS feeds named on each listing page; deemed reliable but not guaranteed. Refreshed nightly.
The 60-Second Overview
This is a compact, older enclave in Winter Haven where the homes themselves - their age and condition - tell the story more than any amenity package. A homestead share around 34% points to a meaningful mix of owner-occupied and non-owner-occupied properties.
Stellar MLS sales records identify 20 homes in LAKE SILVER TERRACE that have changed hands since 2005, built between 1920 and 2022 (median 1959), with a median living area of about 1,051 sq ft and a typical 3-bedroom, 1-bath layout; 100% are single-family homes. Source: Stellar MLS closed-sale history compiled by Momentum Research; counts reflect homes with a recorded MLS sale, not every home in the community.
Pre-construction details are compiled from public records, builder announcements and builder listings, and are subject to change without notice; figures are deemed reliable but not guaranteed. Momentum Research figures are our own analysis. This page describes homes, pricing and community attributes, not residents.
Who Lake Silver Terrace is best for.
Best for
- Buying an older home and willing to invest in updates or maintenance
- Buyers who want a central Winter Haven location over amenity-heavy communities
- Buying to hold in a low-turnover, modest-scale pocket
Probably not for
- Needing move-in-ready new construction
- Wanting shared community amenities or facilities
- Needing a fast purchase backed by plentiful recent comparables
The market around Lake Silver Terrace
Lake Silver Terrace is a small community — 32 recorded sales on file, most recently in 2026 — too few for its own price trend. Here is the market around it.
In ZIP 33881, 339 homes are on the market and 24% are under contract — a steady corner of Winter Haven.
Across Polk County, 5,189 homes are active and 1,757 pending (25% under contract).
Homes here are single family residence.
In ZIP 33881 (Winter Haven), 85 homes closed in the last 12 months at a median of $290K ($165/sq ft), down 7.2% year over year, with a median 52 days on market. Right now 1 active and 1 pending listings. See the live ZIP 33881 housing market and the Polk County market.
ZIP and county figures describe the wider market, not Lake Silver Terrace specifically. Momentum Research analysis of MLS records.
Schools
- Polk County Public Schools
- Verify the zoned schools by address
- Magnet and choice options may be available
- Polk County Public Schools (verify by address) · Public
- Confirm zoned elementary, middle, and high · By address
- Magnet and choice options may apply · Choice
Zoned schools reflect the assignments reported on recent Lake Silver Terrace listings and can change; always confirm with Polk County Public Schools for a specific address.
Buying with schools in mind? We can confirm the exact zoned schools for any Lake Silver Terrace address.
The Lake Silver Terrace buying strategy.
If we were buying in Lake Silver Terrace today, this is the order of operations we would run for our clients.
Underwrite the condition first. Price the roof, HVAC, and systems honestly before judging any list price; condition swings value here more than square footage alone.
Match the home to real comps. Recent sales of similar condition and lot, not the asking price, tell you what a home is worth.
Move deliberately, not desperately. Neither side has a decisive edge, so a well-prepared, fairly-priced offer wins without overpaying.
Line up financing and inspection early. A pre-approval and an inspection plan let you act fast and negotiate from evidence.
Keep an agent in your corner. The listing agent works for the seller; we represent you and prepare a hand-built valuation before any offer in Lake Silver Terrace.
An older, condition-driven pocket
With a median year built of 1948 and homes dating as far back as 1920, Lake Silver Terrace rewards buyers who understand older construction and what it takes to maintain or update it. The compact median footprint - about 1,220 square feet - points to modest, walkable-scale homes rather than sprawling new builds, though a few properties as recent as 2022 sit within the same boundaries.
No community amenities surface from current MLS listings, so the draw is location and the character of the housing itself, not shared facilities. The homestead share of roughly 34% suggests a fair portion of these homes are held as rentals or second properties, which is worth weighing if you want a predominantly owner-occupied block.
The location and the amenities are priced into every listing in Lake Silver Terrace. The deal is won or lost on condition, the comps, and the renovation math.
Why work with Momentum here
A market this thin - no active listings, no recent closings, and housing stock ranging across a full century - demands local judgment, not an algorithm. We help you read condition, vintage, and lot against the wider Winter Haven market so you price or offer with confidence when a home finally does come available.
Lake Silver Terrace in 15 seconds.
Tools for a Lake Silver Terrace buy.
Free calculators to pressure-test the real cost before you tour.
Selling here is won on condition and pricing to real comps, not an automated estimate. The right number comes from closed Lake Silver Terrace sales matched to your home.
Price it to the comps and condition, not an automated estimate.
If you are thinking about selling in Lake Silver Terrace, the right list price comes from recent comparable sales matched to your home's condition and location, not an automated estimate.
What is your Lake Silver Terrace home worth?
Get a no-obligation home value based on real comparable sales in Lake Silver Terrace, not an automated guess. Tell us about your home and we will personally prepare your numbers and a pricing strategy. No obligation, no spam.
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| Location | Winter Haven, Polk County, FL · ZIP 33881 |
|---|---|
| Homes in the community | 41 (FL DOR 2025 assessment roll) |
| Years built | 1920–2022 (median 1948) |
| Typical living area | 1,220 sq ft (median) |
| For sale right now | 0 active, 0 pending |
| Owner-occupied (homestead) share | 34% |
| Zoned public schools | Polk County Public Schools (verify by address); Confirm zoned elementary, middle, and high; Magnet and choice options may apply |
Data as of August 2, 2026. Based on Stellar MLS data distributed by MLS GRID for the period 2008 through 2024; housing-stock figures from Florida Department of Revenue public records. Market figures describe homes, not residents. Cite as: Momentum Realty, “Lake Silver Terrace key facts,” movewithmomentum.com/neighborhoods/lake-silver-terrace, data as of August 2, 2026.
Housing distress & ownership in LAKE SILVER TERRACE, Winter Haven
Who owns here, how much is not owner-occupied, and how much for-sale inventory is under distress.
Source: Momentum Realty Research. Ownership & parcels from the FL DOR 2025 tax roll; distress from MLS active-listing status/remarks; price from MLS closed sales. Based on Stellar MLS data distributed by MLS GRID for the period November 2026 through November 2026. Deemed reliable but not guaranteed.
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Frequently Asked Questions
How many homes are in Lake Silver Terrace?
What share of Lake Silver Terrace is owner-occupied?
When were the homes in Lake Silver Terrace built?
Do cash buyers compete in Lake Silver Terrace?
What schools serve Lake Silver Terrace?
Who is the best real estate agent for Lake Silver Terrace?
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Where is Lake Silver Terrace, and what county is it in?
Should you buy in Lake Silver Terrace?
An honest fit check. We will tell you when it is not your community.
Data sources & freshness
| Live listings | Stellar MLS, refreshed twice daily (last: June 30, 2026) |
| Housing stock & ownership | Florida DOR assessment roll (community parcel extract) |
| Under-contract shares | Stellar MLS records, as of 2026-08-01 |
| Schools | 2025-26 district assignments + FLDOE school grades; verify with the district |
| Historical depth | Closed-sale records back to 2008 (17 transactions analyzed) |
Verify the primary sources yourself: Florida DOR · U.S. Census · FEMA flood maps · Citizens Property Insurance.
Momentum Research figures are our own analysis of Stellar MLS records; MLS data is deemed reliable but not guaranteed. Methodology: how Momentum market scores are computed. Market metrics describe homes for sale and recent sales, not residents.
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See how LAKE SILVER TERRACE fits the bigger picture — live prices, inventory, and Momentum Scores: