Polk County property record for 312 Sterling Dr, Winter Haven, FL 33884
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2 ba · 2,072 sqft · built 1997 |
| Lot Size | 0.173 acres (7,527 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $320,000 (Mar 2022) |
| Tax Bill | $3,222 (2025) |
| Deeds & Mortgages | Mar 2022 Sale & Mortgage Jan 2017 Sale |
| Flood Zone | Zone X (minimal risk) |
| APN | 26-29-01-663569-000951 |
| Primary APN | 26-29-01-663569-000951 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 2,072 sqft Living Area |
| Gross Area | 2,556 sqft |
| 1st Floor Area | 2,072 sqft |
| Flooring | Wood |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1997 |
|---|---|
| Effective Year Built | Effective 1997 |
| Exterior Material | Stucco |
| Construction Type | Masonry / Concrete Block |
| Foundation Type | Concrete |
| Roof Type | Hip |
| Roof Material | Other |
| Lot Area | 7,527 sqft (0.173 acres) |
| Lot Dimensions | 100 ft deep x 75 ft wide |
| View / Lot | Commercial/Industrial |
| Garage Type | Attached |
| Garage Area | 484 sqft |
| Porch | Screened/Unfinished Porch |
| Porch Area | 387 sqft |
| Shed | 1 Shed |
| Cooling System | Central |
|---|
| Street Address | 312 STERLING DR |
|---|---|
| City | WINTER HAVEN |
| State | FL |
| Zip | 33884-2909 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | BERRYHILL PB 88 PG 48 & 49 LOT 95 LESS THAT PORTION DESIGNATED AS STORM WATER RETENTION EASEMENT & DRAINAGE EASEMENT |
| Legal Range | 26E |
| Legal Township | 29S |
| Legal Section | 01 |
| Legal Subdivision | BERRYHILL |
| Legal Tract | 663569 |
| Legal Block | 2 |
| Legal Lot Number | 95 |
| Jurisdiction | POLK FL |
| Township / Civil Division | WINTER HAVEN-AUBURNDALE |
| Census Block Group | 2 |
| Census Block | 2012 |
| Census Tract | 14003 |
312 Sterling Dr is owned and occupied by two individuals who bought it in March 2022.
Source: Polk County records, as of September 28, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 312 STERLING DR, WINTER HAVEN, FL 33884-2909 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Mar 11, 2022 | Warranty Deed, Transfer · Conventional Mortgage CROSSCOUNTRY MORTGAGE LLC |
| Jan 9, 2017 | Warranty Deed, Transfer TOWN AND COUNTRY TITLE GUARANTY, TOWN & COUNTRY TITLE GUARANTY |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Mar 11, 2022 · Amount on File |
| Deed Sale | Mar 11, 2022 · Amount on File |
| Prior Sale | Jan 9, 2017 · Amount on File |
| Deed Document Number | 202266747 |
| Deed Book / Page | 12157 / 703 |
| Prior Transfer Date | Dec 14, 2012 |
| Prior Transfer Doc | 0000228851 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | POLK FL |
| Recording Date | Mar 11, 2022 |
| Property Address | 312 STERLING DR, WINTER HAVEN, FL 33884-2909 |
| Document Number | 0000066747 |
| Book / Page | 12157 / 703 |
| Map Reference | MB 88 PG 48&49 |
| Instrument Date | Mar 7, 2022 |
| Instrument | 2022066747 |
| Transaction Type | Transfer |
| Record Updated | Mar 30, 2022 |
| Title Company | FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INS CO |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,240.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 258 WINDING HOLLOW LN, 258, COPPELL, TX 75019-2238 |
| Name | Verified Name |
|---|---|
| Address | 312 STERLING DR, WINTER HAVEN, FL 33884-2909 |
| Document Number | 0012157705 |
|---|---|
| Date | Mar 11, 2022 |
| Instrument | 12157/705 |
| Name | CROSSCOUNTRY MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Apr 1, 2052 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | POLK FL |
| Recording Date | Jan 9, 2017 |
| Property Address | 312 STERLING DR, WINTER HAVEN, FL 33884-2909 |
| Document Number | 0100322263 |
| Book / Page | 010032 / 002263 |
| Instrument Date | Dec 20, 2016 |
| Instrument | 3868 |
| Transaction Type | Transfer |
| Record Updated | Jan 19, 2017 |
| Title Company | TOWN AND COUNTRY TITLE GUARANTY, TOWN & COUNTRY TITLE GUARANTY |
| Amount | Amount on Record |
|---|---|
| Tax | $1,176.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 258 WINDING HOLLOW LN COPPELL TX 750192238, COPPELL, TX 75019-2238 |
The 2025 property tax bill for 312 Sterling Dr was $3,222 with a homeowner's exemption.
Source: Polk County assessment roll, as of September 28, 2026
| Type | Name |
|---|---|
| State | Florida |
| County | Polk County |
| Unified School District | Polk County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $278,604 (-1.74%) Land $37,000 Building $241,604 | $278,604 (-1.74%) Land $37,000 Building $241,604 | |
| 2025 | $3,222.00 Homeowner's exemption | $283,549 Land $37,000 Building $246,549 | $283,549 Land $37,000 Building $246,549 |
| 2023 | $3,828.00 (+1.97%) Homeowner's exemption | $279,270 (+2.77%) Land $36,000 Building $243,270 | $279,270 (+2.77%) Land $36,000 Building $243,270 |
| 2022 | $3,754.00 | $271,734 Land $30,000 Building $241,734 | $271,734 Land $30,000 Building $241,734 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 312 Sterling Dr in Zone X, an area of minimal flood risk, within 100 ft of a high-risk flood zone.
Source: FEMA National Flood Hazard Layer, effective October 14, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Nearest Special Flood Hazard Area | Zone AE, within 100 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on File median of 11 policies |
| Community Rating System | Class 6 (20% premium discount) |
| Nearby Flood Policies | 11 in force |
| Nearby Flood Claims | 1 (2005) |
| Most Recent Claim | Oct 2005 · Hurricane Wilma |
Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.
Wildfire risk around 312 Sterling Dr is low, with less than a 0.01% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 99.8% of the US · lower than 99.7% of Florida |
|---|---|
| Wildfire Likelihood | Under 0.01% annual chance |
| Exposure | None beyond ember reach |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | WINTER HAVEN WATER DEPARTMENT serves 87,537 people · EPA ID FL6531992 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Dec 2021 |
| Lead | 7 ppb (2023) action level 15 ppb |
| Water Quality | E. coli resolved · Sep 2021 |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | 16 last 3 years |
Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes.
Source: FCC Broadband Data Collection, based on 277 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Frontier Fiber | 5,000 / 5,000 |
| Spectrum Cable | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
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