Polk County property record for 389 Sterling Dr, Winter Haven, FL 33884
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,582 sqft · built 1992 |
| Lot Size | 0.172 acres (7,501 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $217,500 (Apr 2021) |
| Tax Bill | $2,508 (2025) |
| Deeds & Mortgages | Feb 2026 Mortgage Apr 2021 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 26-29-01-663569-000510 |
| Primary APN | 26-29-01-663569-000510 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,582 sqft Living Area |
| Gross Area | 2,022 sqft |
| 1st Floor Area | 1,582 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1992 |
|---|---|
| Effective Year Built | Effective 1992 |
| Exterior Material | Stucco |
| Construction Type | Masonry / Concrete Block |
| Foundation Type | Concrete |
| Roof Type | Gable |
| Roof Material | Other |
| Lot Area | 7,501 sqft (0.172 acres) |
| Lot Dimensions | 100 ft deep x 75 ft wide |
| View / Lot | Commercial/Industrial |
| Garage Type | Attached |
| Garage Area | 440 sqft |
| Porch | Screened/Unfinished Porch |
| Porch Area | 260 sqft |
| Cooling System | Central |
|---|
| Street Address | 389 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 51 |
| Legal Range | 26E |
| Legal Township | 29S |
| Legal Section | 01 |
| Legal Subdivision | BERRYHILL |
| Legal Tract | 663569 |
| Legal Block | 2 |
| Legal Lot Number | 51 |
| Jurisdiction | POLK FL |
| Township / Civil Division | WINTER HAVEN-AUBURNDALE |
| Census Block Group | 2 |
| Census Block | 2019 |
| Census Tract | 14003 |
389 Sterling Dr is owned and occupied by two individuals who bought it in April 2021.
Source: Polk County records, as of September 28, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | PO BOX 75, EAGLE LAKE, FL 33839-0075 |
| 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 |
|---|---|
| Feb 18, 2026 | Deed of Trust, Mortgage · Closed-End Mortgage REGIONS BANK |
| Apr 20, 2021 | Warranty Deed, Transfer · Conventional Mortgage FAIRWAY INDEPENDENT MORTGAGE CORP |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Apr 20, 2021 · Amount on File |
| Deed Sale | Apr 20, 2021 · Amount on File |
| Prior Sale | Jul 27, 2005 · Amount on File |
| Deed Document Number | 202199787 |
| Deed Book / Page | 11675 / 2075 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | POLK FL |
| Property Address | 389 STERLING DR, WINTER HAVEN, FL 33884-2953 |
| Transaction Type | Mortgage |
| Record Updated | Mar 6, 2026 |
| Name | Verified Name |
|---|---|
| Address | 389 STERLING DR, WINTER HAVEN, FL 33884-2953 |
| Document Number | 0000040873 |
|---|---|
| Date | Feb 18, 2026 |
| Book Page | 13887/573 |
| Instrument | 2026040873 |
| Name | REGIONS BANK |
|---|---|
| Type | Bank |
| Address | BIRMINGHAM, AL 35244 |
| Type | Closed-End Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 181 Months |
| Due | Mar 1, 2041 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | POLK FL |
| Recording Date | Apr 20, 2021 |
| Property Address | 389 STERLING DR, WINTER HAVEN, FL 33884-2953 |
| Document Number | 0000099787 |
| Book / Page | 11675 / 2075 |
| Map Reference | MB 88 PG 48&49 |
| Instrument Date | Apr 12, 2021 |
| Instrument | 2021099787 |
| Transaction Type | Transfer |
| Record Updated | Dec 23, 2021 |
| Title Company | ALL REAL ESTATE TITLE SERVICES INC, REAL ESTATE TITLE SVCS INC |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,522.50 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 3302 COUNTRY CLUB RD, 3302, PANTEGO, TX 76013-3150 |
| Name | Verified Name |
|---|---|
| Address | PO BOX 75, EAGLE LAKE, FL 33839-0075 |
| Document Number | 0116752076 |
|---|---|
| Date | Apr 20, 2021 |
| Instrument | 11675/2076 |
| Name | FAIRWAY INDEPENDENT MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | May 1, 2051 |
The 2025 property tax bill for 389 Sterling Dr was $2,508 with a homeowner's exemption, down 2% from the year before.
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 | $226,696 (-1.31%) Land $37,000 Building $189,696 | $226,696 (-1.36%) Land $37,000 Building $189,696 | |
| 2025 | $2,508.00 (-2%) Homeowner's exemption | $229,701 | $229,832 Land $37,000 Building $192,832 |
| 2024 | $3,135.00 (+5.59%) | ||
| 2023 | $2,969.00 (+4.14%) Homeowner's exemption | $216,725 (+3%) | $216,845 (+3.06%) Land $36,000 Building $180,845 |
| 2022 | $2,851.00 Homeowner's exemption | $210,413 Land $30,000 Building $180,413 | $210,413 Land $30,000 Building $180,413 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 389 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 risk around 389 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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