Polk County property record for 1425 Hammock Shade Dr, Lakeland, FL 33809
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,790 sqft · built 1988 |
| Lot Size | 0.348 acres (15,146 sqft) |
| Owner | 2 Company Names on File |
| Last Sale | $385,000 (Oct 2023) |
| Tax Bill | $2,478 (2025) |
| Deeds & Mortgages | Feb 2021 Line of Credit Dec 2025 Transfer + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 24-27-08-161004-000380 |
| Primary APN | 24-27-08-161004-000380 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,790 sqft Living Area |
| Gross Area | 2,230 sqft |
| 1st Floor Area | 1,790 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 | Other |
| Lot Area | 15,146 sqft (0.348 acres) |
| Lot Dimensions | 132 ft deep x 114 ft wide |
| View / Lot | Commercial/Industrial |
| Garage Type | Attached |
| Garage Area | 440 sqft |
| Pool Type | Enclosed Pool |
|---|---|
| Porch | Screened/Unfinished Porch |
| Porch Area | 258 sqft |
| Shed | 1 Shed |
| Cooling System | Central |
|---|
| Street Address | 1425 HAMMOCK SHADE DR |
|---|---|
| City | LAKELAND |
| State | FL |
| Zip | 33809-2315 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RE1 |
| Legal Description | THE OAKS OF LAKELAND PB 78 PGS 30 & 31 LYING IN A PORTION OF SECS 8 & 17 T27 R24 LOT 38 |
| Legal Range | 24E |
| Legal Township | 27S |
| Legal Section | 08 |
| Legal Subdivision | OAKS OF LAKELAND THE |
| Legal Tract | 161004 |
| Legal Block | 1 |
| Legal Lot Number | 38 |
| Jurisdiction | POLK FL |
| Township / Civil Division | LAKELAND |
| Census Block Group | 1 |
| Census Block | 1001 |
| Census Tract | 12304 |
1425 Hammock Shade Dr is owned by a company that acquired it in November 2025.
Source: Polk County records, as of September 28, 2026
| Owner of Record | 2 Company Names on File |
|---|---|
| Mailing Address | 1425 HAMMOCK SHADE DR, LAKELAND, FL 33809-2315 |
| Owner Type | Company |
| Vesting | Life Tenant |
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 |
|---|---|
| Feb 26, 2021 | Deed of Trust, Mortgage · Line of Credit MIDFLORIDA CU |
| Dec 11, 2025 | Intrafamily Transfer, Transfer ATTORNEY ONLY, ATTORNEY |
| Oct 26, 2023 | Warranty Deed, Transfer · Conventional Mortgage CONTOUR MORTGAGE CORP |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Oct 26, 2023 · Amount on File |
| Deed Sale | Oct 26, 2023 · Amount on File |
| Prior Sale | Mar 6, 2009 · Amount on File |
| Deed Document Number | 2023253898 |
| Deed Book / Page | 12888 / 262 |
| Last Transfer Date | Nov 24, 2025 |
| Transfer Doc | 0000290869 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | POLK FL |
| Property Address | 1425 HAMMOCK SHADE DR, LAKELAND, FL 33809-2315 |
| Transaction Type | Mortgage |
| Record Updated | Jun 8, 2026 |
| Name | Verified Name |
|---|
| Document Number | 0000049727 |
|---|---|
| Date | Feb 26, 2021 |
| Book Page | 11597/1862 |
| Instrument | 2021049727 |
| Name | MIDFLORIDA CU |
|---|---|
| Type | Credit Union |
| Address | LAKELAND, FL 33802 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 241 Months |
| Due | Mar 5, 2041 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | POLK FL |
| Recording Date | Dec 11, 2025 |
| Property Address | 1425 HAMMOCK SHADE DR, LAKELAND, FL 33809-2315 |
| Document Number | 0000290869 |
| Book / Page | 13808 / 1199 |
| Map Reference | MB 78 PG 30&31 |
| Instrument Date | Nov 24, 2025 |
| Instrument | 2025290869 |
| Transaction Type | Transfer |
| Record Updated | Jan 13, 2026 |
| Title Company | ATTORNEY ONLY, ATTORNEY |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 1425 HAMMOCK SHADE DR, LAKELAND, FL 33809-2315 |
| Name | Verified Name |
|---|---|
| Relationship | Living Trust |
| Address | 1425 HAMMOCK SHADE DR, LAKELAND, FL 33809-2315 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | POLK FL |
| Recording Date | Oct 26, 2023 |
| Property Address | 1425 HAMMOCK SHADE DR, LAKELAND, FL 33809-2315 |
| Document Number | 0000253898 |
| Book / Page | 12888 / 262 |
| Map Reference | MB 78 PG 30&31 |
| Instrument Date | Oct 23, 2023 |
| Instrument | 2023253898 |
| Transaction Type | Transfer |
| Record Updated | Jan 13, 2026 |
| Title Company | LAKELAND TITLE LLC |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,695.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 2315 OLD POLK CITY RD, LAKELAND, FL 33809-1735 |
| Name | Verified Name |
|---|---|
| Address | 1425 HAMMOCK SHADE DR, LAKELAND, FL 33809-2315 |
| Document Number | 0012888264 |
|---|---|
| Date | Oct 26, 2023 |
| Instrument | 12888/264 |
| Name | CONTOUR MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Nov 1, 2053 |
The 2025 property tax bill for 1425 Hammock Shade Dr was $2,478.
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 | $238,120 (+2.7%) | $303,414 (+2.65%) Land $60,000 Building $243,414 | |
| 2025 | $2,478.00 Homeowner's exemption | $231,860 | $295,581 Land $60,000 Building $235,581 |
| 2023 | $1,308.00 (+2.83%) Homeowner's exemption | $139,458 (+3%) | $296,832 (+15.55%) Land $58,000 Building $238,832 |
| 2022 | $1,272.00 Homeowner's exemption | $135,396 | $256,882 Land $48,000 Building $208,882 |
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 1425 Hammock Shade Dr in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.
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 |
|---|---|
| Nearest Special Flood Hazard Area | Zone A, within 500 ft |
| 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 1425 Hammock Shade Dr is moderate, ranking above 42% of the US, with a 0.07% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 42% of the US · lower than 86% of Florida |
|---|---|
| Wildfire Likelihood | 0.07% 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 274 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 / 35 |
| Verizon Fixed Wireless | 300 / 20 |
Search by:
By searching, you agree to: Terms • Privacy • Disclosures