385 Sterling Dr, Winter Haven, FL 33884 Property Records

Polk County property record for 385 Sterling Dr, Winter Haven, FL 33884

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 1,951 sqft · built 1990
Lot Size	0.174 acres (7,562 sqft)
Owner	2 Individual Names on File
Tax Bill	$910 (2025)
Deeds & Mortgages	Oct 2017 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`26-29-01-663569-000490`

Property Details

APN / Parcel Number

Primary APN	`26-29-01-663569-000490`
Alternative APNs	`012926663569000490` `12926000`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Stories	1 Story
Building Area	1,951 sqft Living Area
Gross Area	2,391 sqft
1st Floor Area	1,951 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1990
Effective Year Built	Effective 1990
Exterior Material	Stucco
Construction Type	Masonry / Concrete Block
Foundation Type	Concrete
Roof Type	Gable
Roof Material	Other
Lot Area	7,562 sqft (0.174 acres)
Lot Dimensions	108 ft deep x 70 ft wide
View / Lot	Commercial/Industrial
Garage Type	Attached
Garage Area	440 sqft
Porch	Unfinished Open Porch
Porch Area	19 sqft

Utilities, Heating & Cooling

Cooling System	Central

Location & Zoning

Street Address	385 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 49
Legal Range	26E
Legal Township	29S
Legal Section	01
Legal Subdivision	BERRYHILL
Legal Tract	663569
Legal Block	2
Legal Lot Number	49
Jurisdiction	POLK FL
Township / Civil Division	WINTER HAVEN-AUBURNDALE
Census Block Group	2
Census Block	2019
Census Tract	14003

Owner

385 Sterling Dr is owned and occupied by two individuals who acquired it in March 2024.

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

Owner of Record	2 Individual Names on File
Mailing Address	385 STERLING DR, WINTER HAVEN, FL 33884-2953
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Life Estate

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 Transfer Date	Mar 7, 2024
Transfer Doc	0000058049
Record Updated	Oct 29, 2026

October 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POLK FL
Property Address	385 STERLING DR, WINTER HAVEN, FL 33884-2953
Document Number	0102981643
Book / Page	010298 / 001643
Instrument Date	Oct 18, 2017
Transaction Type	Mortgage
Record Updated	Nov 21, 2017
Title Company	AMERICAN TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	385 STERLING DR WINTER HAVEN FL 338842953, WINTER HAVEN, FL 33884-2953

Mortgage

Document Number	0102981643
Date	Oct 27, 2017
Book Page	010298/001643
Instrument	206467

Lender

Name	BANK OF AMERICA
Type	Bank
Address	CHARLOTTE, NC 28255

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Oct 26, 2047

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

The 2025 property tax bill for 385 Sterling Dr was $910 with a homeowner's exemption.

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		$112,090 (+2.7%)	$244,495 (-1.5%) Land $37,000 Building $207,495
2025	$910.00 Homeowner's exemption	$109,143	$248,215 Land $37,000 Building $211,215
2023	$1,435.00 (+7.17%) Homeowner's exemption	$102,978 (+3%)	$232,305 (+1.26%) Land $36,000 Building $196,305
2022	$1,339.00 Homeowner's exemption	$99,979	$229,406 Land $30,000 Building $199,406

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

Flood

FEMA maps place 385 Sterling Dr in Zone X, an area of minimal flood risk, within 500 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 500 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

Wildfire risk around 385 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