1081 NE 130TH TERRACE, SILVER SPRINGS, FL, 34488
Active74 days on marketListed Jul 29, 2026MLS #W7887977
About this home
1081 NE 130TH TERRACE
Welcome to exceptional waterfront living on Lake Waldena! Located on two waterfront lots in the private, gated community of Lakeview Woods, this remarkable home features 252 feet of lake frontage and sweeping 180-degree views that create a peaceful, vacation-like setting. Inside, the open floor plan keeps the lake in view throughout the home. Abundant natural light, new LVP flooring, and an updated guest bathroom create a bright and welcoming atmosphere. Outside, the low-heat composite deck offers a private space to enjoy your morning coffee, relax after a long day, or spot Whistling Ducks with their young. This home includes many valuable updates for added peace of mind: 2025 water heater, 2023 HVAC system, 2019 roof, whole-house water filtration system, hurricane shutters, and Generac whole-house generator. Residents of Lakeview Woods also have access to a park, playground, pavilion, fishing dock, and kayak and canoe storage. More than a lakefront property, this is a place to relax, entertain, reconnect, and make lasting memories. Come experience the beauty and serenity of Lake Waldena for yourself. Call today to schedule your private tour!
Facts & features
The home at a glance
3
Bedrooms
2
Bathrooms
2,491
Sqft
0.59 ac
Lot size
2
Garage
2004
Year built
One
Levels
$201
Per sqft
Inside
Outside & construction
Community & fees
Utilities & systems
The numbers
What it really costs
Built from this home's actual numbers — the most recent property-tax bill on record and the real association fee — not generic estimates.
$3,982 /mo · 3.5% down FHA, 30-yr fixed at 6%
The assumptions
FHA is the default here because it gets you in the door with just 3.5% down. Switch to Conventional or VA below.
These numbers assume a generic buyer — your credit, down payment and loan program change them. Get the real quote in minutes:
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Run your own numbers
Estimated payment
$3,982/mo
Includes FHA mortgage insurance and the financed 1.75% upfront premium. Taxes reflect the most recent bill on record; insurance is a typical-Florida estimate. Your lender’s numbers will differ. CENTURY 21 Edge partners with Florida’s best lenders.
Value check
Is the price right?
The internet’s favorite home-value number comes from a single automated model that has never seen the street, the finishes, or the view — which is why it routinely misses by tens of thousands of dollars. The edgeAI estimate combines multiple independent data sources with our team’s on-the-ground expertise in this exact market.
vs edgeAI estimate
+8.1%
$/sqft vs Silver Springs actives
$201 vs $161
Days on market
74 vs 70 typical
Where $201/sqft sits among the 66 Silver Springs actives
The edgeAI estimate is a starting point, not an appraisal or a broker price opinion. It is generated from public records, listing data and market modeling, and is subject to change once a licensed real estate professional personally inspects the property. Condition, floor, view and lot are not fully captured by any model — ask us for a full comparative market analysis.
Where it sits
Inside Silver Springs
Get to know Silver Springs. See the full Silver Springs guide →
SILVER SPRINGS 34488 — neighborhood snapshot
Population
11,525
Median age
45.8
Median income
$45,239
Median home value
$75,300
Avg household
2.27
Households w/ children
1,214
For the school run
Marion County School District
School assignments and ratings via edgeAI — always verify with the district.
The numbers that matter
The Silver Springs market
$148K → $204K
Silver Springs median sold, yr/yr
94.8%
Sale-to-list ratio (12 mo)
30 of 66
Silver Springs actives have cut their price
Median sold price, Silver Springs, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 400% above the SILVER SPRINGS 34488 median. See the full Silver Springs market guide →
Paper trail
This home's history
Reality check
What actually sold near 1081 NE 130TH TERRACE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Jun ’26$230,000
13027 NE 7TH LOOP
3 bd · 2 ba · 2,197 sqft · $105/sqft · 696 DOM
Sold · Jul ’26$255,000
727 NE 130TH TERRACE
3 bd · 2 ba · 1,923 sqft · $133/sqft · 110 DOM
Sold · Feb ’26$215,000
13168 NE 19TH LANE
3 bd · 2 ba · 1,749 sqft · $123/sqft · 49 DOM
Closed-sale data from the MLS, last 12 months, selected for similarity in size and location. No two homes are identical — ask us for a full comparative analysis.
Your home team
The pros in your corner
Buying a home is two conversations — the home and the money. Here’s who handles each, side by side, already working together.
Your agent
Kevin Johnson
CEO & Managing Broker · CENTURY 21 Edge
Tours, negotiation, and every question about 1081 NE 130TH TERRACE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 1081 NE 130TH TERRACE — before you fall in love.
See it in person
Schedule a tour
Live availability from Kevin's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
1081 NE 130TH TERRACE FAQs
What would the monthly payment be for 1081 NE 130TH TERRACE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $3,982/mo — principal and interest, the actual property-tax bill, the $160/mo association fee and typical Florida insurance. The payment calculator on this page lets you switch loan type (FHA, Conventional, VA) and adjust the down payment, rate and term.
How much are the HOA fees at 1081 NE 130TH TERRACE?+
The association fee works out to $160 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 1081 NE 130TH TERRACE?+
The most recent tax bill on record (2025) was $5,972. A new owner's bill can differ once the sale price resets the assessed value — we can walk you through what to expect.
Are pets allowed at 1081 NE 130TH TERRACE?+
The listing reports pets: Yes. Communities often layer on breed or weight rules — we'll verify the specifics with the association before you commit.
How does the price compare to other homes in Silver Springs?+
At $499,990, this home is listed about 157% above the Silver Springs median of $194,900. The market section on this page shows how the area is trending.
Which schools are assigned to 1081 NE 130TH TERRACE?+
East Marion Elementary School (elementary), Fort McCoy School (elementary), Lake Weir High School (high) — Marion County School District. Always verify school assignments with the district before relying on them.
Keep looking
Similar homes nearby
Listing courtesy of SANDPEAK REALTY · Harold Hutchinson, Jr. MLS #W7887977.
IDX information is provided exclusively for consumers’ personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Data is deemed reliable but is not guaranteed accurate by Stellar MLS.
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