Polk County property record for 1413 Hammock Shade Dr, Lakeland, FL 33809
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,789 sqft · built 1988 |
| Lot Size | 0.35 acres (15,237 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $265,000 (Jan 2022) |
| Tax Bill | $3,031 (2025) |
| Deeds & Mortgages | Apr 2025 Line of Credit Jan 2022 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 24-27-08-161004-000400 |
| Primary APN | 24-27-08-161004-000400 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,789 sqft Living Area |
| Gross Area | 2,273 sqft |
| 1st Floor Area | 1,789 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1988 |
|---|---|
| Effective Year Built | Effective 1988 |
| Exterior Material | Stucco |
| Construction Type | Masonry / Concrete Block |
| Foundation Type | Concrete |
| Roof Type | Hip |
| Roof Material | Metal |
| 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 | 484 sqft |
| Porch | Screened/Unfinished Porch |
| Porch Area | 255 sqft |
| Cooling System | Central |
|---|
| Street Address | 1413 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 40 |
| Legal Range | 24E |
| Legal Township | 27S |
| Legal Section | 08 |
| Legal Subdivision | OAKS OF LAKELAND THE |
| Legal Tract | 161004 |
| Legal Block | 1 |
| Legal Lot Number | 40 |
| Jurisdiction | POLK FL |
| Township / Civil Division | LAKELAND |
| Census Block Group | 1 |
| Census Block | 1001 |
| Census Tract | 12304 |
1413 Hammock Shade Dr is owned and occupied by two individuals who bought it in January 2022.
Source: Polk County records, as of September 28, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 1413 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 |
|---|---|
| Apr 29, 2025 | Deed of Trust, Mortgage · Line of Credit MIDFLORIDA CU |
| Jan 12, 2022 | Warranty Deed, Transfer · Conventional Mortgage ASSEMBLIES OF GOD CU |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jan 12, 2022 · Amount on File |
| Deed Sale | Jan 12, 2022 · Amount on File |
| Prior Sale | Apr 12, 2005 |
| Deed Document Number | 202210552 |
| Deed Book / Page | 12070 / 878 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | POLK FL |
| Property Address | 1413 HAMMOCK SHADE DR, LAKELAND, FL 33809-2315 |
| Transaction Type | Mortgage |
| Record Updated | Jan 13, 2026 |
| Name | Verified Name |
|---|
| Document Number | 0000099646 |
|---|---|
| Date | Apr 29, 2025 |
| Book Page | 13526/1999 |
| Instrument | 2025099646 |
| Name | MIDFLORIDA CU |
|---|---|
| Type | Credit Union |
| Address | LAKELAND, FL 33802 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 181 Months |
| Due | May 15, 2040 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | POLK FL |
| Recording Date | Jan 12, 2022 |
| Property Address | 1413 HAMMOCK SHADE DR, LAKELAND, FL 33809-2315 |
| Document Number | 0000010552 |
| Book / Page | 12070 / 878 |
| Map Reference | MB 78 PG 30&31 |
| Instrument Date | Dec 30, 2021 |
| Instrument | 2022010552 |
| Transaction Type | Transfer |
| Record Updated | Jan 13, 2026 |
| Title Company | GOLDEN RULE TITLE LLC |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,855.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 2393 MIDDLECROFT DR, BURTON, MI 48509-1371 |
| Name | Verified Name |
|---|---|
| Address | 1413 HAMMOCK SHADE DR, LAKELAND, FL 33809-2315 |
| Document Number | 0012070880 |
|---|---|
| Date | Jan 12, 2022 |
| Instrument | 12070/880 |
| Name | ASSEMBLIES OF GOD CU |
|---|---|
| Type | Credit Union |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Feb 1, 2052 |
The 2025 property tax bill for 1413 Hammock Shade Dr was $3,031 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 | $265,477 (-3.36%) Land $60,000 Building $205,477 | $265,477 (-3.36%) Land $60,000 Building $205,477 | |
| 2025 | $3,031.00 Homeowner's exemption | $274,702 Land $60,000 Building $214,702 | $274,702 Land $60,000 Building $214,702 |
| 2023 | $3,504.00 (-4.76%) Homeowner's exemption | $260,854 (+10.85%) | $276,608 (+17.55%) Land $58,000 Building $218,608 |
| 2022 | $3,679.00 | $235,314 Land $48,000 Building $187,314 | $235,314 Land $48,000 Building $187,314 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 1413 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 1413 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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