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384 Sterling Dr, Winter Haven, FL 33884 Property Records

Polk County property record for 384 Sterling Dr, Winter Haven, FL 33884

Property Summary

Property TypeSingle Family Home
Details3 bd · 2 ba · 1,740 sqft · built 1993
Lot Size0.209 acres (9,113 sqft)
Owner2 Individual Names on Record
Last Sale$360,000 (Sep 2024)
Tax Bill$3,598 (2025)
Deeds & MortgagesMar 2024 Transfer
Nov 2023 Line of Credit
+ 2 more
Flood ZoneZone X (minimal risk)
APN26-29-01-663569-000040

Property Details

APN / Parcel Number

Primary APN26-29-01-663569-000040
Alternative APNs
  • 012926663569000040
  • 12926000

Interior

Bedrooms3 Beds
Full Baths2 Baths
Stories1 Story
Building Area1,740 sqft Living Area
Gross Area2,200 sqft
1st Floor Area1,740 sqft
FlooringCarpet
Interior WallsWallboard/Drywall

Exterior

Year BuiltBuilt 1993
Effective Year BuiltEffective 1993
Exterior MaterialStucco
Construction TypeMasonry / Concrete Block
Foundation TypeConcrete
Roof TypeGable
Roof MaterialOther
Lot Area9,113 sqft (0.209 acres)
Lot Dimensions121 ft deep x 75 ft wide
View / LotCommercial/Industrial
Garage TypeAttached
Garage Area460 sqft

Exterior Amenities

Pool TypeEnclosed Pool
Pool Area392 sqft
PorchUnfinished Open Porch
Porch Area424 sqft

Utilities, Heating & Cooling

Cooling SystemCentral

Location & Zoning

Street Address384 STERLING DR
CityWINTER HAVEN
StateFL
Zip33884-2909
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionBERRYHILL PB 88 PG 48 & 49 LOT 4
Legal Range26E
Legal Township29S
Legal Section01
Legal SubdivisionBERRYHILL
Legal Tract663569
Legal Block2
Legal Lot Number4
JurisdictionPOLK FL
Township / Civil DivisionWINTER HAVEN-AUBURNDALE
Census Block Group2
Census Block2012
Census Tract14003

Owner

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

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record2 Individual Names on Record
Mailing Address384 STERLING DR, WINTER HAVEN, FL 33884-2909
OccupancyOwner Occupied
Owner TypeIndividual
VestingJoint Tenants

Deeds, Mortgages & Sale History

DateDocument
Mar 11, 2024Intrafamily Transfer, Transfer
ACCOMODATION, ACCOMMODATION
Nov 30, 2023Deed of Trust, Mortgage · Line of Credit
TD BANK NA
Oct 17, 2023Intrafamily Transfer, Transfer
ACCOMODATION, ACCOMMODATION
Aug 3, 2021Intrafamily Transfer, Transfer
ACCOMODATION, ACCOMMODATION

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleSep 9, 2024 · Amount on Record
Deed SaleSep 9, 2024 · Amount on Record
Prior SaleOct 25, 1995 · Amount on Record
Deed Document Number2024207619
Deed Book / Page13258 / 1256
Prior Transfer DateMar 7, 2024
Prior Transfer Doc0000056369
Record UpdatedOct 29, 2026

March 2024: Intrafamily Transfer, Transfer

Document TypeIntrafamily Transfer
JurisdictionPOLK FL
Recording DateMar 11, 2024
Property Address384 STERLING DR, WINTER HAVEN, FL 33884-2909
Document Number0000056369
Book / Page13035 / 1982
Map ReferenceMB 88 PG 48&49
Instrument DateMar 7, 2024
Instrument2024056369
Transaction TypeTransfer
Record UpdatedMar 25, 2024
Title CompanyACCOMODATION, ACCOMMODATION

Transaction

Tax$0.00
Amount AccuracyNo Consideration Stated
Additional
  • Intrafamily Transfer

Transferred From (Grantor/Seller)

NameVerified Name
Address384 STERLING DR, WINTER HAVEN, FL 33884-2909

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipRevocable Trust
Address384 STERLING DR, WINTER HAVEN, FL 33884-2909

November 2023: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionPOLK FL
Property Address384 STERLING DR, WINTER HAVEN, FL 33884-2909
Transaction TypeMortgage
Record UpdatedDec 13, 2023

Transferred To (Grantee/Buyer)

NameVerified Name
Address384 STERLING DR, WINTER HAVEN, FL 33884-2909

Mortgage

Document Number0000279654
DateNov 30, 2023
Book Page12923/1577
Instrument2023279654
Lender
NameTD BANK NA
TypeBank
AddressWILMINGTON, DE 19808
Agreement
TypeLine of Credit
AmountAmount Recorded
Term360 Months
DueNov 15, 2053
Interest
Rate TypeAdjustable Rate
Change FrequencyMonthly

October 2023: Intrafamily Transfer, Transfer

Document TypeIntrafamily Transfer
JurisdictionPOLK FL
Recording DateOct 17, 2023
Property Address384 STERLING DR, WINTER HAVEN, FL 33884-2909
Document Number0000246254
Book / Page12877 / 2100
Map ReferenceMB 88 PG 48&49
Instrument DateOct 12, 2023
Instrument2023246254
Transaction TypeTransfer
Record UpdatedOct 27, 2023
Title CompanyACCOMODATION, ACCOMMODATION

Transaction

Tax$0.00
Amount AccuracyNo Consideration Stated
Additional
  • Intrafamily Transfer

Transferred From (Grantor/Seller)

NameVerified Name
Address384 STERLING DR, WINTER HAVEN, FL 33884-2909

Transferred To (Grantee/Buyer)

NameVerified Name
Address384 STERLING DR, WINTER HAVEN, FL 33884-2909

August 2021: Intrafamily Transfer, Transfer

Document TypeIntrafamily Transfer
JurisdictionPOLK FL
Recording DateAug 3, 2021
Property Address384 STERLING DR, WINTER HAVEN, FL 33884-2909
Document Number0000200870
Book / Page11830 / 1612
Map ReferenceMB 88 PG 48&49
Instrument DateJul 29, 2021
Instrument2021200870
Transaction TypeTransfer
Record UpdatedAug 17, 2021
Title CompanyACCOMODATION, ACCOMMODATION

Transaction

Tax$0.00
Amount AccuracyNo Consideration Stated
Additional
  • Intrafamily Transfer

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipTenants in Common
Address384 STERLING DR, WINTER HAVEN, FL 33884-2909

Tax Assessment & Valuation

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

Property Jurisdictions

TypeName
StateFlorida
CountyPolk County
Unified School DistrictPolk County School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2026$287,609 (+5.93%) Land $37,000 Building $250,609$287,609 (+5.93%) Land $37,000 Building $250,609
2025$3,598.00 (+118.72%)$271,500 (+119.72%) Land $37,000 Building $234,500$271,500 (+1.1%) Land $37,000 Building $234,500
2023$1,645.00 (+2.43%) Homeowner's exemption$123,567 (+3%)$268,559 (+4.89%) Land $36,000 Building $232,559
2022$1,606.00 Homeowner's exemption$119,968$256,035 Land $30,000 Building $226,035

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

Flood

Source: FEMA National Flood Hazard Layer, effective October 14, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood ZoneZone X
minimal risk
Nearest Special Flood Hazard AreaZone AE, within 500 ft
Flood Insurance RequirementNot required
lenders may require it
Flood Insurance CostPremium on Record
median of 11 policies
Community Rating SystemClass 6 (20% premium discount)
Nearby Flood Policies11 in force
Nearby Flood Claims1 (2005)
Most Recent ClaimOct 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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire RiskLow
lower than 95% of the US · lower than 95% of Florida
Wildfire LikelihoodUnder 0.01% annual chance
ExposureNone
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 SystemWINTER HAVEN WATER DEPARTMENT
serves 87,537 people · EPA ID FL6531992
Water SourceGroundwater
Last State InspectionDec 2021
Lead7 ppb (2023)
action level 15 ppb

Violations Reported to EPA

Water QualityE. coli
resolved · Sep 2021
Treatment and ProcedureNone
last 10 years
Monitoring and Reporting16
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 308 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
Frontier
Fiber		5,000 / 5,000
Spectrum
Cable		1,000 / 1,000
Verizon
Fixed Wireless		300 / 20
Starlink
Satellite		280 / 30

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