Polk County property record for 366 Sterling Dr, Winter Haven, FL 33884
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,535 sqft · built 2001 |
| Lot Size | 0.199 acres (8,655 sqft) |
| Owner | Individual Name on File |
| Last Sale | $157,000 (Dec 2007) |
| Tax Bill | $740 (2025) |
| Deeds & Mortgages | Jun 2022 Mortgage May 2018 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | 26-29-01-663569-000130 |
| Primary APN | 26-29-01-663569-000130 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,535 sqft Living Area |
| Gross Area | 1,935 sqft |
| 1st Floor Area | 1,535 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2001 |
|---|---|
| Effective Year Built | Effective 2001 |
| Exterior Material | Stucco |
| Construction Type | Masonry / Concrete Block |
| Foundation Type | Concrete |
| Roof Type | Hip |
| Roof Material | Other |
| Lot Area | 8,655 sqft (0.199 acres) |
| Lot Dimensions | 115 ft deep x 75 ft wide |
| View / Lot | Commercial/Industrial |
| Garage Type | Attached |
| Garage Area | 400 sqft |
| Porch | Unfinished Open Porch |
| Porch Area | 33 sqft |
| Patio Area | 64 sqft |
| Street Address | 366 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 13 |
| Legal Range | 26E |
| Legal Township | 29S |
| Legal Section | 01 |
| Legal Subdivision | BERRYHILL |
| Legal Tract | 663569 |
| Legal Block | 2 |
| Legal Lot Number | 13 |
| Jurisdiction | POLK FL |
| Township / Civil Division | WINTER HAVEN-AUBURNDALE |
| Census Block Group | 2 |
| Census Block | 2012 |
| Census Tract | 14003 |
366 Sterling Dr is owned and occupied by an individual who bought it in December 2007.
Source: Polk County records, as of September 28, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 366 STERLING DR, WINTER HAVEN, FL 33884-2909 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Jun 9, 2022 | Deed of Trust, Mortgage · Conventional Mortgage ZILLOW HOME LOANS LLC |
| May 1, 2018 | Deed of Trust, Mortgage · Line of Credit BANK OF AMERICA/IL |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Dec 11, 2007 · Amount on File |
| Deed Sale | Dec 11, 2007 · Amount on File |
| Prior Sale | Dec 7, 2004 · Amount on File |
| Deed Document Number | 2007248348 |
| Deed Book / Page | 7504 / 1432 |
| Prior Transfer Date | Jun 29, 2004 |
| Prior Transfer Doc | 0000136492 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | POLK FL |
| Property Address | 366 STERLING DR, WINTER HAVEN, FL 33884-2909 |
| Transaction Type | Mortgage |
| Record Updated | Jun 23, 2022 |
| Name | Verified Name |
|---|---|
| Address | 366 STERLING DR, WINTER HAVEN, FL 33884-2909 |
| Document Number | 0000157276 |
|---|---|
| Date | Jun 9, 2022 |
| Book Page | 12289/595 |
| Instrument | 2022157276 |
| Name | ZILLOW HOME LOANS LLC |
|---|---|
| Type | Mortgage Company |
| Address | LEAWOOD, KS 66211 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Jul 1, 2052 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | POLK FL |
| Property Address | 366 STERLING DR, WINTER HAVEN, FL 33884-2909 |
| Document Number | 0104792093 |
| Instrument Date | May 1, 2018 |
| Transaction Type | Mortgage |
| Record Updated | Jun 1, 2018 |
| Title Company | WFG LENDER SERVICES |
| Name | Verified Name |
|---|---|
| Address | 366 STERLING DR WINTER HAVEN FL 338842909, WINTER HAVEN, FL 33884-2909 |
| Document Number | 0104792093 |
|---|---|
| Date | May 9, 2018 |
| Book Page | 010479/002093 |
| Instrument | 99485 |
| Name | BANK OF AMERICA/IL |
|---|---|
| Type | Bank |
| Address | CHARLOTTE, NC 28255 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | May 8, 2048 |
| Rate Type | Adjustable Rate |
|---|
The 2025 property tax bill for 366 Sterling Dr was $740 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 | $104,023 (+2.7%) | $213,112 (-1.44%) Land $37,000 Building $176,112 | |
| 2025 | $740.00 Homeowner's exemption | $101,288 | $216,217 Land $37,000 Building $179,217 |
| 2023 | $1,267.00 (+2.67%) Homeowner's exemption | $95,566 (+3%) | $215,270 (+0.81%) Land $36,000 Building $179,270 |
| 2022 | $1,234.00 Homeowner's exemption | $92,783 | $213,548 Land $30,000 Building $183,548 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 366 Sterling Dr in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2005.
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 |
|---|---|
| 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 366 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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