381 Sterling Dr, Winter Haven, FL 33884 Property Records

Polk County property record for 381 Sterling Dr, Winter Haven, FL 33884

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,451 sqft · built 1999
Lot Size	0.181 acres (7,880 sqft)
Owner	2 Trust Names on File
Last Sale	$100,000 (Jun 2017)
Tax Bill	$2,761 (2025)
Deeds & Mortgages	Jun 2017 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`26-29-01-663569-000470`

Property Details

APN / Parcel Number

Primary APN	`26-29-01-663569-000470`
Alternative APNs	`012926663569000470` `12926000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,451 sqft Living Area
Gross Area	1,851 sqft
1st Floor Area	1,451 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1999
Effective Year Built	Effective 1999
Exterior Material	Stucco
Construction Type	Masonry / Concrete Block
Foundation Type	Concrete
Roof Type	Hip
Roof Material	Other
Lot Area	7,880 sqft (0.181 acres)
Lot Dimensions	108 ft deep x 75 ft wide
View / Lot	Commercial/Industrial
Garage Type	Attached
Garage Area	400 sqft
Porch	Unfinished Open Porch
Porch Area	40 sqft
Shed	1 Shed

Location & Zoning

Street Address	381 STERLING DR
City	WINTER HAVEN
State	FL
Zip	33884-2953
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	BERRYHILL PB 88 PG 48 & 49 LOT 47
Legal Range	26E
Legal Township	29S
Legal Section	01
Legal Subdivision	BERRYHILL
Legal Tract	663569
Legal Block	2
Legal Lot Number	47
Jurisdiction	POLK FL
Township / Civil Division	WINTER HAVEN-AUBURNDALE
Census Block Group	2
Census Block	2019
Census Tract	14003

Owner

381 Sterling Dr is held in a trust since November 2024.

Source: Polk County records, as of September 28, 2026

Owner of Record	2 Trust Names on File
Mailing Address	476 DAISY WAY, WINTER HAVEN, FL 33884-2612
Owner Type	Company
Vesting	Trust, Family Trust

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 22, 2017 · Amount on File
Deed Sale	Jun 22, 2017 · Amount on File
Prior Sale	Mar 27, 2013 · Amount on File
Deed Document Number	2017119201
Deed Book / Page	10183 / 2112
Last Transfer Date	Nov 17, 2024
Transfer Doc	0000273923
Record Updated	Oct 29, 2026

June 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	POLK FL
Recording Date	Jun 22, 2017
Property Address	381 STERLING DR, WINTER HAVEN, FL 33884-2953
Document Number	0101832112
Book / Page	010183 / 002112
Instrument Date	Jun 16, 2017
Instrument	119201
Transaction Type	Transfer
Record Updated	Jul 11, 2017
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$700.00
Additional	Arm's Length Partial Interest

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	381 STERLING DR WINTER HAVEN FL 338842953, WINTER HAVEN, FL 33884-2953

Mortgage

Document Number	101832114
Date	Jun 22, 2017
Book Page	010183/002114
Instrument	119202

Lender

Name	THE MTG FIRM
Type	Mortgage Company
Address	ALTAMONTE SPRINGS, FL 32714

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jun 21, 2047

Tax Assessment & Valuation

The 2025 property tax bill for 381 Sterling Dr was $2,761.

Source: Polk County assessment roll, as of September 28, 2026

Property Jurisdictions

Type	Name
State	Florida
County	Polk County
Unified School District	Polk County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$214,108 (+3.98%) Land $37,000 Building $177,108	$214,108 (+0.97%) Land $37,000 Building $177,108
2025	$2,761.00	$205,917	$212,055 Land $37,000 Building $175,055
2023	$3,050.00 (+6.35%)	$198,777 (+2.26%) Land $36,000 Building $162,777	$198,777 (+2.26%) Land $36,000 Building $162,777
2022	$2,868.00	$194,382 Land $30,000 Building $164,382	$194,382 Land $30,000 Building $164,382

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 381 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

Wildfire risk around 381 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.

Drinking Water

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

Violations Reported to EPA

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.

Internet Providers

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