Waterford Oaks in Winter Haven

Waterford Oaks
Homes for Sale in Winter Haven, FL

Community in Winter Haven · Polk County · ZIP 33884
114 homesBuilt 1992–2016Median sale $730K
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Built fromLive Stellar MLS data22 years of closingsFL DOR public recordsUpdated twice daily

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).

Live · Waterford Oaks Housing Pulse Stellar MLS + public records Analysis by Momentum Realty · $3.5B+ sold · 10,000+ customers served · Top 1% in Florida (RealTrends)
Price
$730K
Median sold · 12 mo
$227/sf
Sold $/sqft · 12 mo
peak $227 in 2026
100.0%
Sale vs ask
Tempo
8days
Median DOM · closed
8 days at the 2026 low
0 · 0
For sale · pending
live counts, refreshed twice daily
3
Sold · last 12 mo
10-yr average: about 2 a year
Ownership and context
92%
Owner-occupied · Waterford Oaks
105 of 114 parcels homesteaded (FL DOR 2025)
8%
Non-owner-occupied · Waterford Oaks
incl. 4% trust or LLC-held · 2% out-of-state
67%
Cash buyers · Waterford Oaks
2 of 3 sales, 12 mo ending June 2026
114
Homes in the community
114 residential parcels (FL DOR 2025)
Track record · 22 years of records
1992–2016
Years homes were built
median 1998 · county roll (FL DOR 2025)
0
Failed listings · 2024
peaked at 8 in 2004
3,178sqft
Median sold home size
12-mo windows, closed sales
2.6%/yr
Turnover rate
about 3 of 114 homes trade a year
Jon Brooks, Co-Founder of Momentum Realty
Jon's Read · written October 26, 2026

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.

809 MAGNOLIA PLACE
$235K · 0.0 mi away
2 bd · 2 ba · 1,308 sqft
809 MAGNOLIA PLACE
Listed by LPT REALTY, LLC
1710 GARDEN LAKE DRIVE #1710
$170K · 0.0 mi away
2 bd · 2 ba · 1,103 sqft
1710 GARDEN LAKE DRIVE #1710
Listed by LA ROSA REALTY PRESTIGE
1711 GARDEN LAKE DRIVE #1711
$160K · 0.1 mi away
1 bd · 1 ba · 828 sqft
1711 GARDEN LAKE DRIVE #1711
Listed by JOHN WOOD REALTY, INC.
1905 GARDEN LAKE DRIVE
$175K · 0.1 mi away
2 bd · 2 ba · 1,103 sqft
1905 GARDEN LAKE DRIVE
Listed by BROKERS REALTY OF CENTRAL FLOR
701 MAGNOLIA PLACE
$230K · 0.1 mi away
3 bd · 2 ba · 1,180 sqft
701 MAGNOLIA PLACE
Listed by THE STONES REAL ESTATE FIRM
503 SWEET BAY CIRCLE
$224K · 0.2 mi away
2 bd · 2 ba · 1,090 sqft
503 SWEET BAY CIRCLE
Listed by THE STONES REAL ESTATE FIRM

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.

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.

Homes sold per 12-mo window
024620122014201620182020202220242026
0 to 6 a year; 3 in the current window.
Sellers who gave up · failed listings per year
025820042008201220162024
Canceled, expired, or withdrawn. 8 quit in 2004; 0 so far in 2024. The clearest stress gauge a community has.
How much local inventory is already under contract

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

Balanced

Waterford Oaks is currently a balanced market..

$730,000
Median sold
0/0/0
Active/Pend/Sold 12 mo

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

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 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.

If we were buying in Waterford Oaks 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 Waterford Oaks.

Best Buy
Buyers who want a larger, established home and are prepared to move quickly when one lists.
Biggest Risk
With zero active listings, inventory can be nonexistent for stretches, limiting your choices.
Sweet Spot
A well-maintained home near the median size and median $730,000 price, bought before it hits a competitive market.
Avoid If
You need new construction, community amenities, or a wide selection to compare.

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.

Jon Brooks · Founder, Momentum Realty

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.

Best forBuyers who want a larger, established home and are prepared to move quickly when one lists.
Biggest advantageExtremely low supply paired with high owner-occupancy makes this a stable, hold-oriented pocket.
Biggest riskWith zero active listings, inventory can be nonexistent for stretches, limiting your choices.
Sweet spotA well-maintained home near the median size and median $730,000 price, bought before it hits a competitive market.
Avoid ifYou need new construction, community amenities, or a wide selection to compare.
The takeaway

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.

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 →

Real comps, not an automated estimate.
Waterford Oaks key facts
LocationWinter Haven, Polk County, FL · ZIP 33884
Homes in the community114 (FL DOR 2025 assessment roll)
Years built1992–2016 (median 1998)
Typical living area3,007 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 now0 active, 0 pending
Owner-occupied (homestead) share92%
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 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.

Email me new listings in Waterford Oaks

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 Waterford Oaks

Have a question about the homes, fees, rules or commute here? A Momentum agent who works Waterford Oaks 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.

Frequently Asked Questions

What is the median home price in Waterford Oaks?
The median sale price in Waterford Oaks was $730K over the 12 months ending August 2, 2026 (3 closed sales, Stellar MLS).
How long do homes in Waterford Oaks take to sell?
Homes that closed in the 12 months ending August 2, 2026 took a median 8 days on market (3 sales, Stellar MLS).
How many homes are in Waterford Oaks?
The Florida DOR 2025 assessment roll shows 114 homes in Waterford Oaks (public records).
What share of Waterford Oaks is owner-occupied?
92% of Waterford Oaks parcels carry a homestead exemption on the 2025 Florida DOR roll, the owner-occupancy proxy in public records.
When were the homes in Waterford Oaks built?
Homes in Waterford Oaks were built between 1992 and 2016, with a median year built of 1998 (FL DOR 2025 roll).
Do cash buyers compete in Waterford Oaks?
Cash buyers took 67% of Waterford Oaks sales in the 12 months ending June 2026 (2 of 3 closings, Stellar MLS).
What schools serve Waterford Oaks?
Waterford Oaks 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 Waterford Oaks?
The best agent for Waterford Oaks 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 Waterford Oaks.
How do I find a top Winter Haven real estate agent who knows Waterford Oaks?
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 Waterford Oaks and the wider Winter Haven area.
Can Momentum Realty connect me with an agent for Waterford Oaks?
Yes. Use the form on this page and we'll introduce you to a local specialist who can guide your Waterford Oaks purchase or sale - no call center and no pressure.
Where is Waterford Oaks, and what county is it in?
Waterford Oaks is in Winter Haven, Polk County, FL, ZIP 33884.
Buying to settle in for the long term in a high owner-occupancy, low-turnover settingExcellent fit
Seeking a larger home with room near 3,000 square feet and comfortable with 1990s–2000s constructionExcellent fit
Prepared to act decisively on a single listing rather than shop a broad inventoryExcellent fit
Needing a move-in-ready newer build or recent constructionProbably not
Wanting community amenities like a pool, clubhouse, or gated entryProbably not
Requiring several active options to compare before committingProbably not

Data sources & freshness

Live listingsStellar MLS, refreshed twice daily (last: November 5, 2026)
Community market statsStellar MLS closed sales, 12-month windows ending August 2, 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 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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