Buying or selling? Call (904) 351-6461
LAKE SILVER TERRACE in WINTER HAVEN

LAKE SILVER TERRACE
Homes for Sale in WINTER HAVEN, FL

Community in WINTER HAVEN · Polk County · ZIP 33881
41 homesBuilt 1920–2022
Free · No obligation
Talk to a LAKE SILVER TERRACE Expert

True comps, carrying-cost math, and listings before the portals.

Built fromLive Stellar MLS data18 years of closingsFL DOR public recordsUpdated twice daily
Live · LAKE SILVER TERRACE Housing Pulse Stellar MLS + public records Analysis by Momentum Realty · $3.5B+ sold · 8,500+ transactions · Top 1% in Florida (RealTrends)
Tempo
0 · 0
For sale · pending
live counts, refreshed twice daily
Ownership and context
34%
Owner-occupied · LAKE SILVER TERRACE
14 of 41 parcels homesteaded (FL DOR 2025)
66%
Non-owner-occupied · LAKE SILVER TERRACE
incl. 17% trust or LLC-held · 15% out-of-state
67%
Cash buyers · LAKE SILVER TERRACE
2 of 3 sales, 12 mo ending June 2023
41
Homes in the community
41 residential parcels (FL DOR 2025)
Track record · 18 years of records
Est. 1920
Community established
homes built 1920-2022, median 1948 (FL DOR 2025)
3
Failed listings · 2026
peaked at 4 in 2008
The Area Market

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.

ZIP and county figures describe the wider market, not LAKE SILVER TERRACE specifically. Momentum Research analysis of MLS records.

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.

Active inventory in distress
0.0%
0 of 22 listings

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 August 2026 through August 2026. Deemed reliable but not guaranteed.

Schools

In short
  • 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 Strategy

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.

1

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.

2

Match the home to real comps. Recent sales of similar condition and lot, not the asking price, tell you what a home is worth.

3

Move deliberately, not desperately. Neither side has a decisive edge, so a well-prepared, fairly-priced offer wins without overpaying.

4

Line up financing and inspection early. A pre-approval and an inspection plan let you act fast and negotiate from evidence.

5

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.

The Deep Dive

A closer look at the LAKE SILVER TERRACE market

The housing stock is 41 homes built between 1920 and 2022, and 34% of parcels are homesteaded — the owner-occupancy proxy in the Florida DOR assessment roll.

“

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.

Jon Brooks · Founder, Momentum Realty

HOA, CDD & Fees

In short
  • Mandatory HOA - confirm current dues
  • Any club/amenity membership is billed separately

Confirm the current HOA dues, exactly what they cover, and any CDD bond or special assessment for a specific address before you offer.

Run Your Numbers

Tools for a LAKE SILVER TERRACE buy.

Free calculators to pressure-test the real cost before you tour.

Mortgage paymentPrincipal, interest, taxes, and insurance on a specific price.Property taxPolk County millage and the homestead picture.Rent vs buyThe breakeven on owning in LAKE SILVER TERRACE.Save Our HomesProject your homestead tax cap over time.
The takeaway

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.

Selling in LAKE SILVER TERRACE

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.

See homes for sale in LAKE SILVER TERRACE on the map →

Real comps, not an automated estimate.

Lake Silver Terrace Market Scorecard

Thin data

Lake Silver Terrace is currently a thin data market. Limited supply, a median asking price of n/a.

n/a
Months supply
n/a
Median list
n/a
Median sold
n/a
Per sqft
n/a
Days on mkt
0/0/0
Active/Pend/Sold

Go deeper: true cost calculator · affordability calculator.

Live data: realMLS, refreshed twice daily. Typical value: Zillow Research. Market metrics only; these describe homes for sale and recent sales, not residents.

Frequently Asked Questions

How many homes are in LAKE SILVER TERRACE?
The Florida DOR 2025 assessment roll shows 41 homes in LAKE SILVER TERRACE (public records).
What share of LAKE SILVER TERRACE is owner-occupied?
34% of LAKE SILVER TERRACE parcels carry a homestead exemption on the 2025 Florida DOR roll, the owner-occupancy proxy in public records.
When were the homes in LAKE SILVER TERRACE built?
Homes in LAKE SILVER TERRACE were built between 1920 and 2022, with a median year built of 1948 (FL DOR 2025 roll).
Do cash buyers compete in LAKE SILVER TERRACE?
Cash buyers took 67% of LAKE SILVER TERRACE sales in the 12 months ending June 2023 (2 of 3 closings, Stellar MLS).
What schools serve LAKE SILVER TERRACE?
LAKE SILVER TERRACE is served by Polk County Public Schools, typically Polk County Public Schools (verify by address) and Confirm zoned elementary, middle, and high. Confirm the exact zoning by address with the district.
Who is the best real estate agent for LAKE SILVER TERRACE?
The best agent for LAKE SILVER TERRACE is one who actively works WINTER HAVEN and knows the community's pricing, fees, and current inventory. Tell us what you're looking for in the form on this page and Momentum Realty will match you with a local specialist for LAKE SILVER TERRACE.
How do I find a top WINTER HAVEN real estate agent who knows LAKE SILVER TERRACE?
Share a few details in the form on this page. Momentum Realty has 280+ agents and more than $3.5B in closed sales, and we'll connect you with one who knows LAKE SILVER TERRACE and the wider WINTER HAVEN area.
Can Momentum Realty connect me with an agent for LAKE SILVER TERRACE?
Yes. Use the form on this page and we'll introduce you to a local specialist who can guide your LAKE SILVER TERRACE purchase or sale - no call center and no pressure.

Nearby Communities

Explore more neighborhoods near LAKE SILVER TERRACE with Momentum Realty’s local guides.

Haven Grove Manor Winter HavenWINTER HAVEN, FL · 0.4 miMartha HeightsWINTER HAVEN, FL · 0.5 miHills Of Lake Elbert Winter HavenWINTER HAVEN, FL · 0.6 miGates Of Lake Region Winter HavenWINTER HAVEN, FL · 0.6 miHartridge Harbor AddWINTER HAVEN, FL · 0.7 miWinter Haven HeightsWINTER HAVEN, FL · 0.8 miLake Idyll EstatesWINTER HAVEN, FL · 0.8 miLake Idyll Estates Winter HavenWINTER HAVEN, FL · 0.8 mi

Browse all Florida neighborhood guides →

Data sources & freshness

Live listingsStellar MLS, refreshed twice daily (last: June 30, 2026)
Housing stock & ownershipFlorida DOR 2025 assessment roll (community parcel extract)
Under-contract sharesStellar MLS records, as of 2026-08-01
Schools2025-26 district assignments + FLDOE school grades; verify with the district
Historical depthClosed-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.

Own a home here?

You just read the data. Now see what your home is worth.

The numbers on this page move markets in the aggregate. The number that matters to you is what a buyer pays for your address. Momentum sells for 1.25% above the Stellar MLS member average and 8 days faster, and we’ll price yours against live your area comps.

Looking to buy here? Search homes for sale →

What’s your home worth in your area?

A real valuation with real comps from a local listing agent, not an instant algorithm. Response within one business day.

By submitting, you agree that EAB RE INVESTMENTS LLC (Momentum Realty) and its agents may call, email, and text you about your inquiry, which may involve automated means and prerecorded or artificial voices. You do not need to consent as a condition of buying any property, goods, or services. To opt out, reply STOP at any time or reply HELP for assistance. You can also click the unsubscribe link in emails. Message and data rates may apply. Message frequency may vary. See our Privacy Policy and SMS Terms.or call (904) 351-6461
CallFree valuation →

More Winter Haven & Lakeland, Winter Haven & Polk County guides

Compare before you commit - every guide covers pricing, HOA/CDD, insurance posture, and fit. Browse all of Lakeland, Winter Haven & Polk County or the full Neighborhood Finder.

Talk to a Local LAKE SILVER TERRACE Expert
Call Get Listings