Waterford Oaks
Homes for Sale in Winter Haven, FL
True comps, carrying-cost math, and listings before the portals.
Over the 12 months ending 2026-08-02, 3 recorded sales closed at a median of $730,000, $227 per square foot, a median 8 days on market, sellers accepting 100% of original asking. At the median price and Polk County's FY2025-26 rate of 16.19 mills, annual property tax runs about $11,820 ($11,140 with the full homestead exemption).

Price in Waterford Oaks is driven by size and build quality, not by any amenity package. Homes here run large — a median near 3,000 square feet — on stock built between 1992 and 2016, and that space is what carries the median to $730,000. At roughly $227 a foot, you are paying for square footage and condition rather than a gated clubhouse or waterfront access, so the spread between a well-kept home and a dated one can be wide.
The current posture is tight. With no active listings and a median of just 8 days on market across the last few closings, this is a low-supply pocket where anything priced correctly tends to move fast. For sellers, that scarcity is leverage. For buyers, it means patience and readiness — you will likely be acting on a single listing when it appears, not comparing three.
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 Waterford Oaks 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
Waterford Oaks market snapshot (as of August 2, 2026): the median sale price is about $730K ($227 per sq ft over the trailing 12 months of closed sales), and a median 8 days on market for closed sales.
In ZIP 33884 (Winter Haven), 651 homes closed in the last 12 months at a median of $308K ($163/sq ft), down 0.9% year over year, with a median 57 days on market. Right now 2 active and 2 pending listings. See the live ZIP 33884 housing market and the Polk County market.
Waterford Oaks is a community of 114 homes in Winter Haven, Polk County, built between 1992 and 2016 (median 1998), with a median living area of about 3,007 square feet. 92% of parcels are homesteaded, the owner-occupancy proxy in the Florida DOR assessment roll (2025 roll, public records).
Waterford Oaks is a small, established enclave of 114 larger homes in Winter Haven, built mostly in the 1990s and early 2000s. The story here is owner-occupancy and scarcity, not turnover — the homestead share sits above 92 percent.
Who Waterford Oaks is best for.
Best for
- Buying to settle in for the long term in a high owner-occupancy, low-turnover setting
- Seeking a larger home with room near 3,000 square feet and comfortable with 1990s–2000s construction
- Prepared to act decisively on a single listing rather than shop a broad inventory
Probably not for
- Needing a move-in-ready newer build or recent construction
- Wanting community amenities like a pool, clubhouse, or gated entry
- Requiring several active options to compare before committing
Price History: What Homes Here Have Actually Sold For
Median sale price over the trailing 12 months ending August 2 of each year, from record-level Stellar MLS closed sales. Same methodology as every appreciation figure on this page: the 2026 point ($730K) IS the median in the snapshot above.
Windows contain 0 to 6 sales each (3 in the current window); every figure carries its sample size, and thin markets swing on single closings. Based on Stellar MLS data distributed by MLS GRID for the period 2004 through 2026. Deemed reliable but not guaranteed.
25% of homes for sale in ZIP 33884 are already under contract (under contract ÷ under contract + active listings) — a read on how much of the available inventory buyers have already claimed. Source: MLS data (2026-08-01).
Waterford Oaks Market Scorecard
Waterford Oaks is currently a balanced market..
Go deeper: ZIP market scorecard · county scorecard · true cost calculator · affordability calculator.
Live data: Stellar MLS, refreshed twice daily. Market metrics only; these describe homes for sale and recent sales, not residents.
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 Waterford Oaks 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 Waterford Oaks address.
The Waterford Oaks buying strategy.
If we were buying in Waterford Oaks 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 Waterford Oaks.
A stay-put enclave with little to buy
With more than 92 percent of homes homesteaded, Waterford Oaks is a community people hold rather than flip. That shows up in the supply: zero active listings as of early August 2026, and only a handful of closings in the recent window. The homes themselves are substantial — a median living area just over 3,000 square feet and a median build year of 1998 — so the housing itself skews toward buyers who want room and are comfortable with homes that have some age.
Because there are no identified community amenities from current MLS data, value comes down to the individual home: lot, layout, updates, and how the 1992–2016 construction has been maintained. That puts a premium on walking the property. The median of $730,000 reflects the size of these homes, but condition will move any single sale well above or below that number.
The location and the amenities are priced into every listing in Waterford Oaks. The deal is won or lost on condition, the comps, and the renovation math.
Why work with Momentum here
In a neighborhood with no active listings and fast-moving closings, the advantage goes to whoever hears about a home first and can read condition quickly. We track Waterford Oaks closely enough to tell you where a given home sits against that 1992–2016 build window and the $730,000 median — and whether a fast list time reflects true demand or just sharp pricing.
Waterford Oaks in 15 seconds.
Tools for a Waterford Oaks 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 Waterford Oaks sales matched to your home.
Price it to the comps and condition, not an automated estimate.
If you are thinking about selling in Waterford Oaks, the right list price comes from recent comparable sales matched to your home's condition and location, not an automated estimate.
What is your Waterford Oaks home worth?
Get a no-obligation home value based on real comparable sales in Waterford Oaks, 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 all homes for sale in Winter Haven →
| Location | Winter Haven, Polk County, FL · ZIP 33884 |
|---|---|
| Homes in the community | 114 (FL DOR 2025 assessment roll) |
| Years built | 1992–2016 (median 1998) |
| Typical living area | 3,007 sq ft (median) |
| Sale prices, last 12 months | $730,000 median across 3 closed sales · $227 per sq ft |
| Days on market (closed sales) | 8 median |
| For sale right now | 0 active, 0 pending |
| Owner-occupied (homestead) share | 92% |
| 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 2004 through 2026; housing-stock figures from Florida Department of Revenue public records. Market figures describe homes, not residents. Cite as: Momentum Realty, “Waterford Oaks key facts,” movewithmomentum.com/neighborhoods/waterford-oaks, data as of August 2, 2026.
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Frequently Asked Questions
What is the median home price in Waterford Oaks?
How long do homes in Waterford Oaks take to sell?
How many homes are in Waterford Oaks?
What share of Waterford Oaks is owner-occupied?
When were the homes in Waterford Oaks built?
Do cash buyers compete in Waterford Oaks?
What schools serve Waterford Oaks?
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Where is Waterford Oaks, and what county is it in?
Should you buy in Waterford Oaks?
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: November 5, 2026) |
| Community market stats | Stellar MLS closed sales, 12-month windows ending August 2, 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 2004 (28 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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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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See how WATERFORD OAKS fits the bigger picture — live prices, inventory, and Momentum Scores:
More on Waterford Oaks
- Home values · What homes in Waterford Oaks actually sell for






