Swan Lake Estates in Winter Haven

Swan Lake Estates
Homes for Sale in Winter Haven, FL

Community in Winter Haven · Polk County · ZIP 33881
42 homesBuilt 1976–2022
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Built fromLive Stellar MLS data10 years of closingsFL DOR public recordsUpdated twice daily

As of November 2026, the MLS records 12 closed sales in Swan Lake Estates in Winter Haven, FL since 2016, the most recent in October 2025. Across Winter Haven as a whole, 1,657 homes closed in the last 12 months at a median of $279,065, 65 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).

Live · Swan Lake Estates Housing Pulse Stellar MLS + public records Analysis by Momentum Realty · $3.5B+ sold · 10,000+ customers served · Top 1% in Florida (RealTrends)
Tempo
0 · 0
For sale · pending
live counts, refreshed twice daily
1
Sold · last 12 mo
10-yr average: about 1 a year
Ownership and context
52%
Owner-occupied · Swan Lake Estates
22 of 42 parcels homesteaded (FL DOR 2025)
48%
Non-owner-occupied · Swan Lake Estates
incl. 19% trust or LLC-held · 5% out-of-state
0%
Cash buyers · Swan Lake Estates
0 of 5 sales, 12 mo ending June 2024
42
Homes in the community
42 residential parcels (FL DOR 2025)
Track record · 10 years of records
1976–2022
Years homes were built
median 1977 · county roll (FL DOR 2025)
1
Failed listings · 2026
peaked at 3 in 2008
2.4%/yr
Turnover rate
about 1 of 42 homes trade a year
Jon Brooks, Co-Founder of Momentum Realty
Jon's Read · written October 26, 2026

Swan Lake Estates is a small, established pocket of 42 homes in Winter Haven, and price here is driven almost entirely by condition and updates rather than square footage or vintage. With a median build year of 1977 and homes running from 1976 into 2022, the spread between an original-era house and a renovated or newer one is wide, and the condition of the specific property will decide where it lands.

The current posture is thin. There are no active listings and only one closing in the trailing window, so there is very little to read from day-to-day supply. For a seller, that scarcity can work in your favor when you do list, because competing inventory is essentially nonexistent. For a buyer, patience matters — you may wait for the right home to surface rather than choose from a shelf.

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 Swan Lake Estates 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.

1540 S LAKE SHIPP DRIVE
$215K · 0.3 mi away
2 bd · 1 ba · 1,350 sqft
1540 S LAKE SHIPP DRIVE
Listed by LPT REALTY, LLC
1568 S LAKE SHIPP DRIVE
$270K · 0.4 mi away
3 bd · 2 ba · 1,032 sqft
1568 S LAKE SHIPP DRIVE
Listed by ALLSTATE REALTY SERVICES
124 CENTER STREET
$155K · 0.5 mi away
3 bd · 2 ba · 1,306 sqft
124 CENTER STREET
Listed by LIVE FLORIDA REALTY
1557 N LAKE SHIPP DRIVE
$265K · 0.6 mi away
3 bd · 2 ba · 1,172 sqft
1557 N LAKE SHIPP DRIVE
Listed by HOUSE OF GLASS REAL ESTATE PM
1828 AVENUE O
$175K · 0.6 mi away
3 bd · 2 ba · 1,354 sqft
1828 AVENUE O
Listed by FLATFEE.COM
1325 LAKE SHIPP DR N
$225K · 0.6 mi away
3 bd · 1 ba · 1,733 sqft
1325 LAKE SHIPP DR N
Listed by CENTURY 21 MYERS REALTY

Listing data from the MLS feeds named on each listing page; deemed reliable but not guaranteed. Refreshed nightly.

The 60-Second Overview

A compact, mature enclave of 42 homes with a median size of 1,714 square feet, where roughly half of the homes carry a homestead exemption — a sign this is largely owner-occupied rather than a turnover-heavy market.

Stellar MLS sales records identify 23 homes in SWAN LAKE ESTATES that have changed hands since 2007, built between 1977 and 2024 (median 1983), with a median living area of about 1,342 sq ft and a typical 3-bedroom, 2-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.

Best for

  • Buying to hold in a mature, predominantly owner-occupied pocket of Winter Haven
  • Buyers willing to wait for the right home to surface rather than shop a crowded shelf
  • Buyers comfortable underwriting a home on its own condition and updates

Probably not for

  • Needing to choose from multiple active listings right now
  • Wanting HOA amenities or a managed community package
  • Buyers who need a deep comp set to feel confident on value

The market around Swan Lake Estates

Swan Lake Estates is a small community — 15 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), 406 homes closed in the last 12 months at a median of $308K ($163/sq ft), down 3.3% year over year, with a median 68 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 Swan Lake Estates specifically. Momentum Research analysis of MLS records.

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 Swan Lake Estates 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 Swan Lake Estates address.

If we were buying in Swan Lake Estates 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 Swan Lake Estates.

Best Buy
Buyers who want an established, owner-occupied street without HOA amenities to pay for.
Biggest Risk
A thin comp set makes pricing harder to pin down for both sides.
Sweet Spot
An updated home at or near the 1,714 sqft median in solid condition.
Avoid If
You need immediate selection or community amenities to choose from.

A small condition-driven market

The housing stock tells the story. A median build year of 1977 means most homes here carry the bones and lot character of that era, while the range stretching to 2022 confirms that some parcels have been rebuilt or infilled more recently. That mix means two homes of similar size can price very differently depending on roof, systems, and interior updates. Buyers should underwrite each property on its own merits.

At a homestead share of about 52 percent, this is a predominantly owner-occupied street grid rather than an investor churn. Combined with just 42 homes total and no identified community amenities from current MLS listings, this is a straightforward residential setting — no HOA bells and whistles to price in, and no amenity package to carry.

“

The location and the amenities are priced into every listing in Swan Lake Estates. The deal is won or lost on condition, the comps, and the renovation math.

Jon Brooks · Founder, Momentum Realty

Why work with Momentum here

In a market this small and this quiet — no active listings and a single recent closing — pricing comes down to reading condition against a thin comp set. We know how to value an original-era home against a renovated one on the same block, and how to position a listing when there is almost no competing supply to anchor it. That judgment matters more here than in a high-volume subdivision.

Swan Lake Estates in 15 seconds.

Best forBuyers who want an established, owner-occupied street without HOA amenities to pay for.
Biggest advantageEssentially no competing inventory for a seller who lists into this scarcity.
Biggest riskA thin comp set makes pricing harder to pin down for both sides.
Sweet spotAn updated home at or near the 1,714 sqft median in solid condition.
Avoid ifYou need immediate selection or community amenities to choose from.
The takeaway

Selling here is won on condition and pricing to real comps, not an automated estimate. The right number comes from closed Swan Lake Estates sales matched to your home.

What is your Swan Lake Estates home worth?

Get a no-obligation home value based on real comparable sales in Swan Lake Estates, 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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Real comps, not an automated estimate.
Swan Lake Estates key facts
LocationWinter Haven, Polk County, FL · ZIP 33881
Homes in the community42 (FL DOR 2025 assessment roll)
Years built1976–2022 (median 1977)
Typical living area1,714 sq ft (median)
For sale right now0 active, 0 pending
Owner-occupied (homestead) share52%
Zoned public schoolsPolk 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 2016 through 2025; housing-stock figures from Florida Department of Revenue public records. Market figures describe homes, not residents. Cite as: Momentum Realty, “Swan Lake Estates key facts,” movewithmomentum.com/neighborhoods/swan-lake-estates-winter-haven, data as of August 2, 2026.

Email me new listings in Swan Lake Estates

One e-mail a day, only when a home lists here, with price, beds, baths and a link to every listing. Straight from the MLS feed; no account needed.

Equal Housing Opportunity. Every community is open to everyone; alerts are about homes, never about who lives here.

Ask an agent about Swan Lake Estates

Have a question about the homes, fees, rules or commute here? A Momentum agent who works Swan Lake Estates will answer, and the answer is published on this page for the next buyer.

Property facts only: homes, fees, rules, commute. Every community is open to everyone; agents do not answer questions about who lives here.

The real cost & risk here

Before the list price, the Florida math the portals skip. These are Polk County typicals — your exact home, flood zone, and insurance quote will vary, so verify each before you offer.

$1,924/mo
Polk County typical true cost to own
$161/mo
Polk County typical home insurance
Check CDD
Confirm before you offer

County typicals from Momentum’s Florida housing data (Zillow & Realtor.com aggregates, Census, FRED), updated monthly; insurance modeled. Flood zone is property-specific — always confirm via FEMA.

Frequently Asked Questions

How many homes are in Swan Lake Estates?
The Florida DOR 2025 assessment roll shows 42 homes in Swan Lake Estates (public records).
What share of Swan Lake Estates is owner-occupied?
52% of Swan Lake Estates parcels carry a homestead exemption on the 2025 Florida DOR roll, the owner-occupancy proxy in public records.
When were the homes in Swan Lake Estates built?
Homes in Swan Lake Estates were built between 1976 and 2022, with a median year built of 1977 (FL DOR 2025 roll).
Do cash buyers compete in Swan Lake Estates?
Cash buyers took 0% of Swan Lake Estates sales in the 12 months ending June 2024 (0 of 5 closings, Stellar MLS).
What schools serve Swan Lake Estates?
Swan Lake Estates 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 Swan Lake Estates?
The best agent for Swan Lake Estates 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 Swan Lake Estates.
How do I find a top Winter Haven real estate agent who knows Swan Lake Estates?
Share a few details in the form on this page. Momentum Realty has 320+ agents and more than $3.5B in closed sales, and we'll connect you with one who knows Swan Lake Estates and the wider Winter Haven area.
Can Momentum Realty connect me with an agent for Swan Lake Estates?
Yes. Use the form on this page and we'll introduce you to a local specialist who can guide your Swan Lake Estates purchase or sale - no call center and no pressure.
Where is Swan Lake Estates, and what county is it in?
Swan Lake Estates is in Winter Haven, Polk County, FL, ZIP 33881.
Buying to hold in a mature, predominantly owner-occupied pocket of Winter HavenExcellent fit
Buyers willing to wait for the right home to surface rather than shop a crowded shelfExcellent fit
Buyers comfortable underwriting a home on its own condition and updatesExcellent fit
Needing to choose from multiple active listings right nowProbably not
Wanting HOA amenities or a managed community packageProbably not
Buyers who need a deep comp set to feel confident on valueProbably not

Data sources & freshness

Live listingsStellar MLS, refreshed twice daily (last: October 26, 2026)
Housing stock & ownershipFlorida DOR 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 2016 (12 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. A Momentum agent can price yours against live local comps.

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Nearby Communities

Explore more neighborhoods near Swan Lake Estates with Momentum Realty’s local guides.

Lake Idyll Estates Winter Haven0.3 mi away · 2 homes, built 1968–68Lake Idyll Estates0.3 mi awayLake Smart Pointe0.5 mi awayWillowbrook South0.6 mi awayKrenson Bay0.7 mi awayJace Landing Winter Haven0.7 mi awaySun Set Shores0.7 mi away · 5 homes, built 1967–68

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