Polk County property record for 1302 Hammock Shade Dr, Lakeland, FL 33809
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,788 sqft · built 1986 |
| Lot Size | 0.345 acres (15,015 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $230,000 (May 2018) |
| Tax Bill | $2,486 (2025) |
| Deeds & Mortgages | Oct 2020 Mortgage May 2018 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 24-27-08-161004-000250 |
| Primary APN | 24-27-08-161004-000250 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,788 sqft Living Area |
| Gross Area | 2,530 sqft |
| 1st Floor Area | 1,788 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1986 |
|---|---|
| Effective Year Built | Effective 1986 |
| Exterior Material | Stucco |
| Construction Type | Masonry / Concrete Block |
| Foundation Type | Concrete |
| Roof Type | Hip |
| Roof Material | Other |
| Lot Area | 15,015 sqft (0.345 acres) |
| Lot Dimensions | 130 ft deep x 115 ft wide |
| View / Lot | Commercial/Industrial |
| Garage Type | Attached |
| Garage Area | 462 sqft |
| Porch | Florida Room |
| Porch Area | 300 sqft |
| Cooling System | Central |
|---|
| Street Address | 1302 HAMMOCK SHADE DR |
|---|---|
| City | LAKELAND |
| State | FL |
| Zip | 33809-2372 |
| 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 25 |
| Legal Range | 24E |
| Legal Township | 27S |
| Legal Section | 08 |
| Legal Subdivision | OAKS OF LAKELAND THE |
| Legal Tract | 161004 |
| Legal Block | 1 |
| Legal Lot Number | 25 |
| Jurisdiction | POLK FL |
| Township / Civil Division | LAKELAND |
| Census Block Group | 1 |
| Census Block | 1001 |
| Census Tract | 12304 |
1302 Hammock Shade Dr is owned and occupied by two individuals who bought it in May 2018.
Source: Polk County records, as of September 28, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 1302 HAMMOCK SHADE DR, LAKELAND, FL 33809-2372 |
| 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 |
|---|---|
| Oct 9, 2020 | Deed of Trust, Mortgage · Conventional Mortgage FBC MTG |
| May 1, 2018 | Warranty Deed, Transfer · Conventional with PMI FBC MTG |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | May 1, 2018 · Amount on File |
| Deed Sale | May 1, 2018 · Amount on File |
| Deed Document Number | 201893274 |
| Deed Book / Page | 10471 / 938 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | POLK FL |
| Property Address | 1302 HAMMOCK SHADE DR, LAKELAND, FL 33809-2372 |
| Document Number | 0114181970 |
| Instrument Date | Oct 9, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Nov 3, 2020 |
| Title Company | FIRST AMERICAN TITLE |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 1302 HAMMOCK SHADE DR LAKELAND FL 338092372, LAKELAND, FL 33809-2372 |
| Document Number | 0114181970 |
|---|---|
| Date | Oct 19, 2020 |
| Book Page | 011418/001970 |
| Instrument | 220596 |
| Name | FBC MTG |
|---|---|
| Type | Mortgage Company |
| Address | ORLANDO, FL 32801 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Oct 18, 2050 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | POLK FL |
| Recording Date | May 1, 2018 |
| Property Address | 1302 HAMMOCK SHADE DR, LAKELAND, FL 33809-2372 |
| Document Number | 0104710938 |
| Book / Page | 010471 / 000938 |
| Instrument Date | Apr 30, 2018 |
| Instrument | 93274 |
| Transaction Type | Transfer |
| Record Updated | May 15, 2018 |
| Title Company | EASY TITLE COMPANY LLC |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,610.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 1302 HAMMOCK SHADE DR LAKELAND FL 338092372, LAKELAND, FL 33809-2372 |
| Document Number | 104710940 |
|---|---|
| Date | May 1, 2018 |
| Book Page | 010471/000940 |
| Instrument | 93275 |
| Name | FBC MTG |
|---|---|
| Type | Mortgage Company |
| Address | ORLANDO, FL 32801 |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Apr 30, 2048 |
The 2025 property tax bill for 1302 Hammock Shade Dr was $2,486 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 | $238,825 (+2.7%) | $316,798 (-0.22%) Land $60,000 Building $256,798 | |
| 2025 | $2,486.00 Homeowner's exemption | $232,546 | $317,503 Land $60,000 Building $257,503 |
| 2023 | $2,923.00 (+3.73%) Homeowner's exemption | $219,410 (+3%) | $319,361 (+16.29%) Land $58,000 Building $261,361 |
| 2022 | $2,818.00 Homeowner's exemption | $213,019 | $274,628 Land $48,000 Building $226,628 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 1302 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 1302 Hammock Shade Dr is low, with a 0.06% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 63% of the US · lower than 89% of Florida |
|---|---|
| Wildfire Likelihood | 0.06% 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 |
Search by:
By searching, you agree to: Terms • Privacy • Disclosures