Polk County property record for 1314 Hammock Shade Dr, Lakeland, FL 33809
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,997 sqft · built 1986 |
| Lot Size | 0.345 acres (15,015 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $390,000 (Jul 2023) |
| Tax Bill | $3,497 (2025) |
| Deeds & Mortgages | Jul 2023 Sale & Mortgage Oct 2018 Line of Credit + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 24-27-08-161004-000270 |
| Primary APN | 24-27-08-161004-000270 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,997 sqft Living Area |
| Gross Area | 2,522 sqft |
| 1st Floor Area | 1,997 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 | 525 sqft |
| Porch | Unfinished Open Porch |
|---|---|
| Porch Area | 282 sqft |
| Patio Area | 240 sqft |
| Utility Building | 77 sqft |
| Cooling System | Central |
|---|
| Street Address | 1314 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 27 |
| Legal Range | 24E |
| Legal Township | 27S |
| Legal Section | 08 |
| Legal Subdivision | OAKS OF LAKELAND THE |
| Legal Tract | 161004 |
| Legal Block | 1 |
| Legal Lot Number | 27 |
| Jurisdiction | POLK FL |
| Township / Civil Division | LAKELAND |
| Census Block Group | 1 |
| Census Block | 1001 |
| Census Tract | 12304 |
1314 Hammock Shade Dr is owned and occupied by two individuals who bought it in July 2023.
Source: Polk County records, as of September 28, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 1314 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 |
|---|---|
| Jul 21, 2023 | Warranty Deed, Transfer · VA Mortgage THE MORTGAGE FIRM INC |
| Oct 26, 2018 | Deed of Trust, Mortgage · Line of Credit SUNTRUST BK |
| Aug 14, 2017 | Deed of Trust, Mortgage · Conventional Mortgage SUNTRUST MTG |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jul 21, 2023 · Amount on File |
| Deed Sale | Jul 21, 2023 · Amount on File |
| Prior Sale | May 29, 2015 · Amount on File |
| Deed Document Number | 2023169719 |
| Deed Book / Page | 12771 / 1872 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | POLK FL |
| Recording Date | Jul 21, 2023 |
| Property Address | 1314 HAMMOCK SHADE DR, LAKELAND, FL 33809-2372 |
| Document Number | 0000169719 |
| Book / Page | 12771 / 1872 |
| Map Reference | MB 78 PG 30&31 |
| Instrument Date | Jul 10, 2023 |
| Instrument | 2023169719 |
| Transaction Type | Transfer |
| Record Updated | Jan 13, 2026 |
| Title Company | INTEGRITY FIRST TITLE |
| Amount | Amount on Record |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,730.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 943 TIMBERGREEN DR, LAKELAND, FL 33809-4680 |
| Name | Verified Name |
|---|---|
| Address | 1314 HAMMOCK SHADE DR, LAKELAND, FL 33809-2372 |
| Document Number | 0127711873 |
|---|---|
| Date | Jul 21, 2023 |
| Instrument | 12771/1873 |
| Name | THE MORTGAGE FIRM INC |
|---|---|
| Type | Mortgage Company |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Aug 1, 2053 |
| Document Number | 0000169721 |
|---|---|
| Date | Jul 21, 2023 |
| Book Page | 12771/1886 |
| Instrument | 2023169721 |
| Name | THE MORTGAGE FIRM INC |
|---|---|
| Type | Mortgage Company |
| Address | ALTAMONTE SPRINGS, FL 32714 |
| Type | Stand-Alone Second Mortgage |
|---|---|
| Amount | Amount on Record |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | POLK FL |
| Property Address | 1314 HAMMOCK SHADE DR, LAKELAND, FL 33809-2372 |
| Document Number | 0106651316 |
| Instrument Date | Oct 26, 2018 |
| Transaction Type | Mortgage |
| Record Updated | Nov 22, 2018 |
| Title Company | AMERICAN TITLE COMPANY, AMERICAN TITLE INC |
| Name | Verified Name |
|---|---|
| Relationship | Married Couple |
| Address | 1314 HAMMOCK SHADE DR LAKELAND FL 338092372, LAKELAND, FL 33809-2372 |
| Document Number | 0106651316 |
|---|---|
| Date | Nov 7, 2018 |
| Book Page | 010665/001316 |
| Instrument | 234967 |
| Name | SUNTRUST BK |
|---|---|
| Type | Bank |
| Address | ORLANDO, FL 32809 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | POLK FL |
| Property Address | 1314 HAMMOCK SHADE DR, LAKELAND, FL 33809-2372 |
| Document Number | 0102392121 |
| Book / Page | 010239 / 002121 |
| Instrument Date | Aug 14, 2017 |
| Transaction Type | Mortgage |
| Record Updated | Sep 7, 2017 |
| Title Company | INTEGRITY FIRST TITLE |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 1314 HAMMOCK SHADE DR LAKELAND FL 338092372, LAKELAND, FL 33809-2372 |
| Document Number | 0102392121 |
|---|---|
| Date | Aug 21, 2017 |
| Book Page | 010239/002121 |
| Instrument | 161449 |
| Name | SUNTRUST MTG |
|---|---|
| Type | Mortgage Company |
| Address | RICHMOND, VA 23224 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 240 Months |
| Due | Aug 20, 2037 |
The 2025 property tax bill for 1314 Hammock Shade Dr was $3,497 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 | $303,949 (-3.73%) Land $60,000 Building $243,949 | $303,949 (-3.73%) Land $60,000 Building $243,949 | |
| 2025 | $3,497.00 | $315,731 Land $60,000 Building $255,731 | $315,731 Land $60,000 Building $255,731 |
| 2023 | $2,449.00 (+4.08%) Homeowner's exemption | $184,429 (+3%) | $318,282 (+17.31%) Land $58,000 Building $260,282 |
| 2022 | $2,353.00 Homeowner's exemption | $179,057 | $271,318 Land $48,000 Building $223,318 |
Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.
FEMA maps place 1314 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 1314 Hammock Shade Dr is low, with a 0.04% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 66% of the US · lower than 91% of Florida |
|---|---|
| Wildfire Likelihood | 0.04% 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 | 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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