Polk County property record for 1431 Hammock Shade Dr, Lakeland, FL 33809
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3 ba · 2,062 sqft · built 1987 |
| Lot Size | 0.468 acres (20,390 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $244,900 (Feb 2018) |
| Tax Bill | $2,633 (2025) |
| Deeds & Mortgages | Oct 2026 Line of Credit Sep 2023 Line of Credit + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 24-27-08-161004-000370 |
| Primary APN | 24-27-08-161004-000370 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3 Baths |
| Stories | 1 Story |
| Building Area | 2,062 sqft Living Area |
| Gross Area | 2,522 sqft |
| 1st Floor Area | 2,062 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| 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 | 20,390 sqft (0.468 acres) |
| Lot Dimensions | 158 ft deep x 86 ft wide |
| View / Lot | Commercial/Industrial |
| Garage Type | Attached |
| Garage Area | 460 sqft |
| Pool Type | Enclosed Pool |
|---|---|
| Pool Area | 392 sqft |
| Porch | Screened/Unfinished Porch |
| Porch Area | 342 sqft |
| Shed | 1 Shed |
| Cooling System | Central |
|---|
| Street Address | 1431 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 37 |
| Legal Range | 24E |
| Legal Township | 27S |
| Legal Section | 08 |
| Legal Subdivision | OAKS OF LAKELAND THE |
| Legal Tract | 161004 |
| Legal Block | 1 |
| Legal Lot Number | 37 |
| Jurisdiction | POLK FL |
| Township / Civil Division | LAKELAND |
| Census Block Group | 1 |
| Census Block | 1001 |
| Census Tract | 12304 |
1431 Hammock Shade Dr is owned and occupied by two individuals who bought it in February 2018.
Source: Polk County records, as of October 20, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 1431 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 |
|---|---|
| Oct 8, 2026 | Deed of Trust, Mortgage · Line of Credit LIBERTY OAKS LLC |
| Sep 15, 2023 | Deed of Trust, Mortgage · Line of Credit US BANK NA |
| Aug 6, 2020 | Deed of Trust, Mortgage · FHA Mortgage PLANET HM LNDG |
| Feb 16, 2018 | Warranty Deed, Transfer · FHA Mortgage MORTGAGE SOLUTIONS/CO |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Feb 16, 2018 · Amount on File |
| Deed Sale | Feb 16, 2018 · Amount on File |
| Prior Sale | Sep 25, 2013 · Amount on File |
| Deed Document Number | 201835845 |
| Deed Book / Page | 10398 / 2045 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | POLK FL |
| Recording Date | Oct 8, 2026 |
| Property Address | 1431 HAMMOCK SHADE DR, LAKELAND, FL 33809-2315 |
| Document Number | 0000242581 |
| Book / Page | 14181 / 1930 |
| Instrument Date | Sep 23, 2026 |
| Instrument | 2026242581 |
| Transaction Type | Mortgage |
| Record Updated | Oct 20, 2026 |
| Title Company | FIRST AMERICAN TITLE, FIRST AMERICAN MORTGAGE SOLU |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 1431 HAMMOCK SHADE DR, LAKELAND, FL 33809-2315 |
| Investor | Possibly a Property Investor |
| Document Number | 0000242581, |
|---|---|
| Date | Oct 8, 2026 |
| Book Page | 14181/1930 |
| Instrument | 2026242581 |
| Name | LIBERTY OAKS LLC |
|---|
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 240 Months |
| Due | Sep 23, 2046 |
| Max Rate | -1% |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | POLK FL |
| Property Address | 1431 HAMMOCK SHADE DR, LAKELAND, FL 33809-2315 |
| Transaction Type | Mortgage |
| Record Updated | Jan 13, 2026 |
| Title Company | RADIAN SETTLEMENT SERVICES INC, RADIAN SETTLEMENT SERVICES |
| Name | Verified Name |
|---|---|
| Address | 1431 HAMMOCK SHADE DR, LAKELAND, FL 33809-2315 |
| Document Number | 0000217439 |
|---|---|
| Date | Sep 15, 2023 |
| Book Page | 12838/612 |
| Instrument | 2023217439 |
| Name | US BANK NA |
|---|---|
| Type | Bank |
| Address | CINCINNATI, OH 45202 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 84 Months |
| Due | Sep 20, 2030 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | POLK FL |
| Property Address | 1431 HAMMOCK SHADE DR, LAKELAND, FL 33809-2315 |
| Document Number | 0113351318 |
| Instrument Date | Aug 6, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Sep 4, 2020 |
| Title Company | OTHER |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 1431 HAMMOCK SHADE DR LAKELAND FL 338092315, LAKELAND, FL 33809-2315 |
| Document Number | 0113351318 |
|---|---|
| Date | Aug 14, 2020 |
| Book Page | 011335/001318 |
| Instrument | 165533 |
| Name | PLANET HM LNDG |
|---|---|
| Address | MERIDEN, CT 06450 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Aug 13, 2050 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | POLK FL |
| Recording Date | Feb 16, 2018 |
| Property Address | 1431 HAMMOCK SHADE DR, LAKELAND, FL 33809-2315 |
| Document Number | 0103982045 |
| Book / Page | 010398 / 002045 |
| Instrument Date | Feb 15, 2018 |
| Instrument | 35845 |
| Transaction Type | Transfer |
| Record Updated | Feb 28, 2018 |
| Title Company | INTEGRITY FIRST TITLE |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,714.30 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 1431 HAMMOCK SHADE DR LAKELAND FL 338092315, LAKELAND, FL 33809-2315 |
| Document Number | 103982047 |
|---|---|
| Date | Feb 16, 2018 |
| Book Page | 010398/002047 |
| Instrument | 35846 |
| Name | MORTGAGE SOLUTIONS/CO |
|---|---|
| Type | Mortgage Company |
| Address | COLORADO SPRINGS, CO 80918 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Feb 15, 2048 |
The 2025 property tax bill for 1431 Hammock Shade Dr was $2,633 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 | $250,473 (+2.7%) | $330,966 (+2.57%) Land $66,000 Building $264,966 | |
| 2025 | $2,633.00 Homeowner's exemption | $243,888 | $322,676 Land $66,000 Building $256,676 |
| 2023 | $3,048.00 (+3.6%) Homeowner's exemption | $230,112 (+3%) | $323,664 (+15.94%) Land $64,000 Building $259,664 |
| 2022 | $2,942.00 Homeowner's exemption | $223,410 | $279,167 Land $53,000 Building $226,167 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 1431 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 1431 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 |
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