1332 Hammock Shade Dr, Lakeland, FL 33809 Property Records

Polk County property record for 1332 Hammock Shade Dr, Lakeland, FL 33809

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,821 sqft · built 1988
Lot Size	0.345 acres (15,015 sqft)
Owner	2 Individual Names on File
Last Sale	$140,000 (Dec 2002)
Tax Bill	$1,262 (2025)
Deeds & Mortgages	Feb 2024 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`24-27-08-161004-000300`

Property Details

APN / Parcel Number

Primary APN	`24-27-08-161004-000300`
Alternative APNs	`082724161004000300` `82724000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,821 sqft Living Area
Gross Area	2,327 sqft
1st Floor Area	1,821 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1988
Effective Year Built	Effective 1988
Exterior Material	Stucco
Construction Type	Masonry / Concrete Block
Foundation Type	Concrete
Roof Type	Gable
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	506 sqft
Porch	Screened/Unfinished Porch
Porch Area	162 sqft
Shed	1 Shed

Utilities, Heating & Cooling

Cooling System	Central

Location & Zoning

Street Address	1332 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 30
Legal Range	24E
Legal Township	27S
Legal Section	08
Legal Subdivision	OAKS OF LAKELAND THE
Legal Tract	161004
Legal Block	1
Legal Lot Number	30
Jurisdiction	POLK FL
Township / Civil Division	LAKELAND
Census Block Group	1
Census Block	1001
Census Tract	12304

Owner

1332 Hammock Shade Dr is owned and occupied by two individuals who bought it in December 2002.

Source: Polk County records, as of September 28, 2026

Owner of Record	2 Individual Names on File
Mailing Address	1332 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.

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 6, 2002 · Amount on File
Deed Sale	Dec 6, 2002 · Amount on File
Deed Book / Page	5192 / 1496
Record Updated	Oct 29, 2026

February 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POLK FL
Property Address	1332 HAMMOCK SHADE DR, LAKELAND, FL 33809-2372
Transaction Type	Mortgage
Record Updated	Jan 13, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000043717
Date	Feb 26, 2024
Book Page	13017/1938
Instrument	2024043717

Lender

Name	MIDFLORIDA CU
Type	Credit Union
Address	LAKELAND, FL 33802

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	241 Months
Due	Mar 10, 2044

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

Tax Assessment & Valuation

The 2025 property tax bill for 1332 Hammock Shade Dr was $1,262 with a homeowner's exemption.

Source: Polk County assessment roll, as of September 28, 2026

Property Jurisdictions

Type	Name
State	Florida
County	Polk County
Unified School District	Polk County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$141,592 (+2.7%)	$288,806 (-2.73%) Land $60,000 Building $228,806
2025	$1,262.00 Homeowner's exemption	$137,870	$296,921 Land $60,000 Building $236,921
2023	$1,751.00 (+5.1%) Homeowner's exemption	$130,082 (+3%)	$297,706 (+16.51%) Land $58,000 Building $239,706
2022	$1,666.00 Homeowner's exemption	$126,293	$255,516 Land $48,000 Building $207,516

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 1332 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

Wildfire risk around 1332 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.

Drinking Water

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

Violations Reported to EPA

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.

Internet Providers

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