My Very Lucky Feeling: Unearthing a Silver Coin Treasure

You know that moment every collector hopes for? I just lived it! A simple bank run turned into pure magic. While dropping off some quarter rolls, I spotted a teller counting half dollars—rare in these parts. I asked for them on a whim, and bam! Most were 90% silver, including a gorgeous 1923-S Walking Liberty half. Talk about hitting the jackpot!

First Look: My Unexpected Treasure

Back home, I spread out my haul—mostly silver except one 1996 coin. But that 1923-S? It stopped me cold. That beautiful patina! Closer inspection showed wear on Liberty’s gown stripes, making me second-guess its grade. Then I remembered: early San Francisco Walkers often had soft strikes. What looks like wear might just be how it left the mint.

What’s This Beauty Worth?

This isn’t just another coin—it’s potentially a four-figure find! Checking Numismedia, an XF40 1923-S runs about $990. Mine shows strong details with no nasty scratches or corrosion, easily hitting XF territory. But here’s the rub: strike variations matter. I’m seriously considering professional grading—a first for me, since I’ve never held a coin this special.

To Grade or Not to Grade?

Grading services can be pricey for one-timers. Here’s my game plan, gathered from seasoned collectors:

• Batch It: Not selling soon? Wait and submit multiple coins. Many shows accept 5-coin minimums without memberships. I’m already eyeing a few others in my collection.
• Tag Along: Know a dealer or regular submitter? They might squeeze your coin into their submission for a small fee.
• Protect First: Immediately slid mine into Whitman holders—cheap, simple, and fingerprint-proof. Never risk bare-handling treasures!

Silver Lining Lessons

This surprise taught me three things: First, always scan teller trays during bank runs—you never know. Second, brush up on grading quirks; free online resources help spot sleepers. Third, keep a “maybe” pile of promising coins ready for grading. Sometimes patience and prep turn luck into real value. Happy hunting, friends—may your next find make your heart skip too!