Polk County property record for 1119 Hammock Shade Dr, Lakeland, FL 33809
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 2,670 sqft · built 1989 |
| Lot Size | 0.413 acres (17,982 sqft) |
| Owner | Company Name on File |
| Last Sale | $190,500 (Sep 2002) |
| Tax Bill | $2,660 (2025) |
| Deeds & Mortgages | Aug 2026 Line of Credit Apr 2022 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 24-27-08-161004-000630 |
| Primary APN | 24-27-08-161004-000630 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 2,670 sqft Living Area |
| Gross Area | 3,154 sqft |
| 1st Floor Area | 2,670 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1989 |
|---|---|
| Effective Year Built | Effective 1989 |
| Exterior Material | Stucco |
| Construction Type | Masonry / Concrete Block |
| Foundation Type | Concrete |
| Roof Type | Gable |
| Roof Material | Other |
| Lot Area | 17,982 sqft (0.413 acres) |
| Lot Dimensions | 152 ft deep x 112 ft wide |
| View / Lot | Commercial/Industrial |
| Garage Type | Attached |
| Garage Area | 484 sqft |
| Pool Type | Enclosed Pool |
|---|---|
| Pool Area | 512 sqft |
| Porch | Finished/Open Porch |
| Porch Area | 354 sqft |
| Street Address | 1119 HAMMOCK SHADE DR |
|---|---|
| City | LAKELAND |
| State | FL |
| Zip | 33809-4652 |
| 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 63 |
| Legal Range | 24E |
| Legal Township | 27S |
| Legal Section | 08 |
| Legal Subdivision | OAKS OF LAKELAND THE |
| Legal Block | 1 |
| Legal Lot Number | 63 |
| Jurisdiction | POLK FL |
| Township / Civil Division | LAKELAND |
| Census Block Group | 1 |
| Census Block | 1001 |
| Census Tract | 12304 |
1119 Hammock Shade Dr is owned by a company that bought it in September 2002 and is owner-occupied.
Source: Polk County records, as of September 28, 2026
| Owner of Record | Company Name on File |
|---|---|
| Mailing Address | 1119 HAMMOCK SHADE DR, LAKELAND, FL 33809-4652 |
| Occupancy | Owner Occupied |
| Owner Type | Company |
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 |
|---|---|
| Aug 7, 2026 | Deed of Trust, Mortgage · Line of Credit MIDFLORIDA CREDIT UNION |
| Apr 4, 2022 | Deed of Trust, Mortgage · Conventional Mortgage CRESCENT MORTGAGE CO |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Sep 16, 2002 · Amount on File |
| Deed Sale | Sep 16, 2002 · Amount on File |
| Prior Sale | Apr 13, 1999 · Amount on File |
| Deed Book / Page | 5113 / 1867 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | POLK FL |
| Recording Date | Aug 7, 2026 |
| Property Address | 1119 HAMMOCK SHADE DR, LAKELAND, FL 33809-4652 |
| Document Number | 0000190131 |
| Book / Page | 14106 / 1483 |
| Instrument Date | Jul 28, 2026 |
| Instrument | 2026190131 |
| Transaction Type | Mortgage |
| Record Updated | Aug 19, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Name | Verified Name |
|---|---|
| Address | 1119 HAMMOCK SHADE DR, LAKELAND, FL 33809-4652 |
| Document Number | 0000190131, |
|---|---|
| Date | Aug 7, 2026 |
| Book Page | 14106/1483 |
| Instrument | 2026190131 |
| Name | MIDFLORIDA CREDIT UNION |
|---|
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 240 Months |
| Due | Jul 25, 2046 |
| Rate | 6.43% |
|---|---|
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | POLK FL |
| Property Address | 1119 HAMMOCK SHADE DR, LAKELAND, FL 33809-4652 |
| Transaction Type | Mortgage |
| Record Updated | Jan 13, 2026 |
| Name | Verified Name |
|---|---|
| Address | 1119 HAMMOCK SHADE DR, LAKELAND, FL 33809-4652 |
| Document Number | 0000090834 |
|---|---|
| Date | Apr 4, 2022 |
| Book Page | 12192/2135 |
| Instrument | 2022090834 |
| Name | CRESCENT MORTGAGE CO |
|---|---|
| Type | Mortgage Company |
| Address | ATLANTA, GA 30328 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Apr 1, 2052 |
The 2025 property tax bill for 1119 Hammock Shade Dr was $2,660 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 | $252,630 (+2.7%) | $404,419 (+1.49%) Land $60,000 Building $344,419 | |
| 2025 | $2,660.00 Homeowner's exemption | $245,988 | $398,472 Land $60,000 Building $338,472 |
| 2023 | $3,074.00 (+3.57%) Homeowner's exemption | $232,092 (+3%) | $401,118 (+15.13%) Land $58,000 Building $343,118 |
| 2022 | $2,968.00 Homeowner's exemption | $225,332 | $348,410 Land $48,000 Building $300,410 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 1119 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 1119 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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