Polk County property record for 1110 Hammock Shade Dr, Lakeland, FL 33809
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 2,248 sqft · built 1987 |
| Lot Size | 0.437 acres (19,044 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $180,000 (May 2009) |
| Tax Bill | $1,563 (2025) |
| Deeds & Mortgages | May 2021 Mortgage Jun 2018 Loan Modification |
| Flood Zone | Zone X (minimal risk) |
| APN | 24-27-08-161004-000890 |
| Primary APN | 24-27-08-161004-000890 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 2,248 sqft Living Area |
| Gross Area | 2,732 sqft |
| 1st Floor Area | 2,248 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1987 |
|---|---|
| Effective Year Built | Effective 1987 |
| Exterior Material | Stucco |
| Construction Type | Masonry / Concrete Block |
| Foundation Type | Concrete |
| Roof Type | Hip |
| Roof Material | Other |
| Lot Area | 19,044 sqft (0.437 acres) |
| Lot Dimensions | 146 ft deep x 152 ft wide |
| View / Lot | Commercial/Industrial |
| Garage Type | Attached |
| Garage Area | 484 sqft |
| Pool Type | Spa / Hot Tub (No Pool) |
|---|---|
| Porch | Enclosed/Unfinished Porch |
| Porch Area | 692 sqft |
| Shed | 1 Shed |
| Cooling System | Central |
|---|
| Street Address | 1110 HAMMOCK SHADE DR |
|---|---|
| City | LAKELAND |
| State | FL |
| Zip | 33809-2371 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | THE OAKS OF LAKELAND PB 78 PGS 30 & 31 LYING IN A PORTION OF SECS 8 & 17 T27 R24 LOT 89 |
| Legal Range | 24E |
| Legal Township | 27S |
| Legal Section | 08 |
| Legal Subdivision | OAKS OF LAKELAND THE |
| Legal Tract | 161004 |
| Legal Block | 1 |
| Legal Lot Number | 89 |
| Jurisdiction | POLK FL |
| Township / Civil Division | LAKELAND |
| Census Block Group | 1 |
| Census Block | 1012 |
| Census Tract | 12304 |
1110 Hammock Shade Dr is owned and occupied by two individuals who bought it in May 2009.
Source: Polk County records, as of September 28, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 1110 HAMMOCK SHADE DR, LAKELAND, FL 33809-2371 |
| 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 |
|---|---|
| May 21, 2021 | Deed of Trust, Mortgage · Conventional Mortgage NATIONSTAR MORTGAGE LLC |
| Jun 1, 2018 | Loan Modification, Mortgage · Conventional Mortgage JPMORGAN CHASE BK NA |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | May 11, 2009 · Amount on File |
| Deed Sale | May 11, 2009 · Amount on File |
| Prior Sale | Nov 10, 2008 |
| Deed Document Number | 200987923 |
| Deed Book / Page | 7880 / 1872 |
| Prior Transfer Date | Sep 25, 2008 |
| Prior Transfer Doc | 0000188901 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | POLK FL |
| Property Address | 1110 HAMMOCK SHADE DR, LAKELAND, FL 33809-2371 |
| Transaction Type | Mortgage |
| Record Updated | Jan 13, 2026 |
| Name | Verified Name |
|---|---|
| Address | 1110 HAIOCK SEADE DR, LAKELAND, FL 33809 |
| Document Number | 0000133907 |
|---|---|
| Date | May 21, 2021 |
| Book Page | 11727/897 |
| Instrument | 2021133907 |
| Name | NATIONSTAR MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Address | COPPELL, TX 75019 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 241 Months |
| Due | Jun 1, 2041 |
| Document Type | Loan Modification |
|---|---|
| Jurisdiction | POLK FL |
| Property Address | 1110 HAMMOCK SHADE DR, LAKELAND, FL 33809-2371 |
| Document Number | 0105320478 |
| Instrument Date | Jun 1, 2018 |
| Transaction Type | Mortgage |
| Record Updated | Jul 13, 2018 |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 1110 HAMMOCK SHADE DR LAKELAND FL 338092371, LAKELAND, FL 33809-2371 |
| Document Number | 0105320478 |
|---|---|
| Date | Jun 28, 2018 |
| Book Page | 010532/000478 |
| Instrument | 138185 |
| Name | JPMORGAN CHASE BK NA |
|---|---|
| Address | COLUMBUS, OH 43240 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jun 27, 2048 |
| Rate | 4.87% |
|---|
The 2025 property tax bill for 1110 Hammock Shade Dr was $1,563 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 | $165,471 (+2.7%) | $358,361 (-5.59%) Land $66,000 Building $292,361 | |
| 2025 | $1,563.00 Homeowner's exemption | $161,121 | $379,580 Land $66,000 Building $313,580 |
| 2023 | $2,039.00 (+4.62%) Homeowner's exemption | $152,019 (+3%) | $381,650 (+20.61%) Land $64,000 Building $317,650 |
| 2022 | $1,949.00 Homeowner's exemption | $147,591 | $316,435 Land $53,000 Building $263,435 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 1110 Hammock Shade Dr in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2017.
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 20 policies |
| Community Rating System | Class 6 (20% premium discount) |
| Nearby Flood Policies | 20 in force |
| Nearby Flood Claims | 1 (2017) |
| Most Recent Claim | Sep 2017 · Hurricane Irma |
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 1110 Hammock Shade Dr is low, with a 0.05% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 64% of the US · lower than 90% of Florida |
|---|---|
| Wildfire Likelihood | 0.05% annual chance |
| Exposure | Direct burnable vegetation |
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 | NORTHWEST serves 28,082 people · EPA ID FL6532348 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Feb 2024 |
| Lead | 2 ppb (2023) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | 21 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. The service area is an EPA estimate; the actual supplier may differ.
Source: FCC Broadband Data Collection, based on 209 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Frontier Fiber | 7,000 / 7,000 |
| Spectrum Cable | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
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