Polk County property record for 1317 Hammock Shade Dr, Lakeland, FL 33809
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,945 sqft · built 1987 |
| Lot Size | 0.35 acres (15,237 sqft) |
| Owner | Individual Name on File |
| Last Sale | $239,000 (Sep 2019) |
| Tax Bill | $2,220 (2025) |
| Deeds & Mortgages | Nov 2020 Mortgage Sep 2019 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 24-27-08-161004-000450 |
| Primary APN | 24-27-08-161004-000450 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,945 sqft Living Area |
| Gross Area | 2,386 sqft |
| 1st Floor Area | 1,945 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 | 15,237 sqft (0.35 acres) |
| Lot Dimensions | 138 ft deep x 110 ft wide |
| View / Lot | Commercial/Industrial |
| Garage Type | Attached |
| Garage Area | 441 sqft |
| Porch | Finished/Open Porch |
| Porch Area | 126 sqft |
| Cooling System | Central |
|---|
| Street Address | 1317 HAMMOCK SHADE DR |
|---|---|
| City | LAKELAND |
| State | FL |
| Zip | 33809-2315 |
| 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 45 |
| Legal Range | 24E |
| Legal Township | 27S |
| Legal Section | 08 |
| Legal Subdivision | OAKS OF LAKELAND THE |
| Legal Tract | 161004 |
| Legal Block | 1 |
| Legal Lot Number | 45 |
| Jurisdiction | POLK FL |
| Township / Civil Division | LAKELAND |
| Census Block Group | 1 |
| Census Block | 1001 |
| Census Tract | 12304 |
1317 Hammock Shade Dr is owned and occupied by an individual who bought it in September 2019.
Source: Polk County records, as of September 28, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 1317 HAMMOCK SHADE DR, LAKELAND, FL 33809-2315 |
| 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 |
|---|---|
| Nov 24, 2020 | Deed of Trust, Mortgage · Conventional with PMI QUICKEN LNS |
| Sep 5, 2019 | Warranty Deed, Transfer · FHA Mortgage UNITED WHOLESALE MTG |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Sep 5, 2019 · Amount on File |
| Deed Sale | Sep 5, 2019 · Amount on File |
| Deed Document Number | 2019187446 |
| Deed Book / Page | 10963 / 1117 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | POLK FL |
| Property Address | 1317 HAMMOCK SHADE DR, LAKELAND, FL 33809-2315 |
| Document Number | 0114752198 |
| Instrument Date | Nov 24, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Dec 18, 2020 |
| Title Company | OTHER |
| Name | Verified Name |
|---|---|
| Address | 1317 HAMMOCK SHADE DR LAKELAND FL 338092315, LAKELAND, FL 33809-2315 |
| Document Number | 0114752198 |
|---|---|
| Date | Dec 2, 2020 |
| Book Page | 011475/002198 |
| Instrument | 257808 |
| Name | QUICKEN LNS |
|---|---|
| Type | Funding / Finance Company |
| Address | DETROIT, MI 48226-1906 |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Dec 1, 2050 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | POLK FL |
| Recording Date | Sep 5, 2019 |
| Property Address | 1317 HAMMOCK SHADE DR, LAKELAND, FL 33809-2315 |
| Document Number | 0109631117 |
| Book / Page | 010963 / 001117 |
| Instrument Date | Aug 29, 2019 |
| Instrument | 187446 |
| Transaction Type | Transfer |
| Record Updated | Sep 20, 2019 |
| Title Company | AFFINITY TITLE SERVICES/FL LLC, AFFINITY TITLE SVCS/FL LLC |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,673.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 1317 HAMMOCK SHADE DR LAKELAND FL 338092315, LAKELAND, FL 33809-2315 |
| Document Number | 109631119 |
|---|---|
| Date | Sep 5, 2019 |
| Book Page | 010963/001119 |
| Instrument | 187447 |
| Name | UNITED WHOLESALE MTG |
|---|---|
| Type | Mortgage Company |
| Address | PONTIAC, MI 48341 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Sep 4, 2049 |
The 2025 property tax bill for 1317 Hammock Shade Dr was $2,220 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 | $217,676 (+2.7%) | $273,450 (-3.66%) Land $60,000 Building $213,450 | |
| 2025 | $2,220.00 Homeowner's exemption | $211,953 | $283,831 Land $60,000 Building $223,831 |
| 2023 | $2,653.00 (+3.88%) Homeowner's exemption | $199,981 (+3%) | $286,240 (+16.15%) Land $58,000 Building $228,240 |
| 2022 | $2,554.00 Homeowner's exemption | $194,156 | $246,439 Land $48,000 Building $198,439 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 1317 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 1317 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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