Polk County property record for 1207 Hammock Shade Dr, Lakeland, FL 33809
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2 ba · 2,466 sqft · built 1987 |
| Lot Size | 0.369 acres (16,061 sqft) |
| Owner | Individual Name on File |
| Tax Bill | $1,868 (2025) |
| Deeds & Mortgages | Sep 2023 Mortgage Aug 2018 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | 24-27-08-161004-000590 |
| Primary APN | 24-27-08-161004-000590 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 2,466 sqft Living Area |
| Gross Area | 3,289 sqft |
| 1st Floor Area | 2,466 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 | Gable |
| Roof Material | Other |
| Lot Area | 16,061 sqft (0.369 acres) |
| View / Lot | Commercial/Industrial |
| Garage Type | Attached |
| Garage Area | 420 sqft |
| Pool Type | Enclosed Pool |
|---|---|
| Pool Area | 450 sqft |
| Porch | Florida Room |
| Porch Area | 547 sqft |
| Cooling System | Central |
|---|
| Street Address | 1207 HAMMOCK SHADE DR |
|---|---|
| City | LAKELAND |
| State | FL |
| Zip | 33809-4654 |
| 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 59 |
| Legal Range | 24E |
| Legal Township | 27S |
| Legal Section | 08 |
| Legal Subdivision | OAKS OF LAKELAND THE |
| Legal Tract | 161004 |
| Legal Block | 1 |
| Legal Lot Number | 59 |
| Jurisdiction | POLK FL |
| Township / Civil Division | LAKELAND |
| Census Block Group | 1 |
| Census Block | 1001 |
| Census Tract | 12304 |
1207 Hammock Shade Dr is owned and occupied by an individual.
Source: Polk County records, as of September 28, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 1207 HAMMOCK SHADE DR, LAKELAND, FL 33809-4654 |
| 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 |
|---|---|
| Sep 8, 2023 | Deed of Trust, Mortgage · Conventional Mortgage PUBLIX EMPLOYEES FCU |
| Aug 15, 2018 | Deed of Trust, Mortgage · Line of Credit BANK OF AMERICA |
| Deed Names | Name on Deed |
|---|---|
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | POLK FL |
| Property Address | 1207 HAMMOCK SHADE DR, LAKELAND, FL 33809-4654 |
| Transaction Type | Mortgage |
| Record Updated | Jan 13, 2026 |
| Title Company | FIDELITY NATIONAL TITLE, FIDELITY NATL TTL OF FL INC |
| Name | Verified Name |
|---|---|
| Address | 1207 HAMMOCK SHADE DR, LAKELAND, FL 33809-4654 |
| Document Number | 0000211811 |
|---|---|
| Date | Sep 8, 2023 |
| Book Page | 12830/1205 |
| Instrument | 2023211811 |
| Name | PUBLIX EMPLOYEES FCU |
|---|---|
| Type | Credit Union |
| Address | LAKELAND, FL 33802 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Oct 1, 2053 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | POLK FL |
| Property Address | 1207 HAMMOCK SHADE DR, LAKELAND, FL 33809-4654 |
| Document Number | 0105960117 |
| Instrument Date | Aug 15, 2018 |
| Transaction Type | Mortgage |
| Record Updated | Sep 17, 2018 |
| Name | Verified Name |
|---|---|
| Address | 1207 HAMMOCK SHADE DR LAKELAND FL 338094654, LAKELAND, FL 33809-4654 |
| Document Number | 0105960117 |
|---|---|
| Date | Aug 29, 2018 |
| Book Page | 010596/000117 |
| Instrument | 184046 |
| Name | BANK OF AMERICA |
|---|---|
| Type | Bank |
| Address | CHARLOTTE, NC 28255 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Aug 28, 2048 |
| Rate Type | Adjustable Rate |
|---|
The 2025 property tax bill for 1207 Hammock Shade Dr was $1,868 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 | $189,701 (+2.7%) | $396,952 (+1.68%) Land $60,000 Building $336,952 | |
| 2025 | $1,868.00 Homeowner's exemption | $184,714 | $390,410 Land $60,000 Building $330,410 |
| 2023 | $2,316.00 (+4.23%) Homeowner's exemption | $174,280 (+3%) | $392,340 (+16.17%) Land $58,000 Building $334,340 |
| 2022 | $2,222.00 Homeowner's exemption | $169,204 | $337,736 Land $48,000 Building $289,736 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 1207 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 1207 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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