Polk County property record for 827 Shadow Dr, Lakeland, FL 33809
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 1,643 sqft · built 1960 |
| Lot Size | 0.331 acres (14,436 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $180,000 (Jul 2021) |
| Tax Bill | $2,205 (2025) |
| Deeds & Mortgages | Jul 2021 Sale Aug 2007 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 23-27-24-008500-000892 |
| Primary APN | 23-27-24-008500-000892 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Stories | 1 Story |
| Building Area | 1,643 sqft Living Area |
| Gross Area | 2,105 sqft |
| 1st Floor Area | 1,643 sqft |
| Flooring | Wood |
| Interior Walls | Plaster |
| Year Built | Built 1960 |
|---|---|
| Effective Year Built | Effective 1960 |
| Exterior Material | Other |
| Construction Type | Masonry / Concrete Block |
| Foundation Type | Slab (Mat/Raft) |
| Roof Type | Hip |
| Roof Material | Other |
| Lot Area | 14,436 sqft (0.331 acres) |
| Lot Dimensions | 143 ft deep x 100 ft wide |
| View / Lot | Commercial/Industrial |
| Garage Type | Attached |
| Garage Area | 462 sqft |
| Porch | Unfinished Open Porch |
| Porch Area | 222 sqft |
| Shed | 1 Shed |
| Cooling System | Central |
|---|
| Street Address | 827 SHADOW DR |
|---|---|
| City | LAKELAND |
| State | FL |
| Zip | 33809-3143 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R1 |
| Legal Description | GIBSONIA UNIT NO 14 PB 11 PG 30 LOTS 89 & E 10 FT OF 90 & BEG AT SE COR OF LOT 89 RUN E 15 FT INTO COLUMBIA AVE N 142 FT W 15 FT S 142 FT TO POB |
| Legal Range | 23E |
| Legal Township | 27S |
| Legal Section | 24 |
| Legal Subdivision | GIBSONIA UNIT NO 14 |
| Legal Tract | 8500 |
| Legal Block | 1 |
| Legal Lot Number | 89 |
| Legal Unit | 14 |
| Jurisdiction | POLK FL |
| Township / Civil Division | LAKELAND |
| Census Block Group | 1 |
| Census Block | 1014 |
| Census Tract | 12209 |
Source: Polk County records, as of September 28, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Individual Names on Record |
|---|---|
| Mailing Address | 827 SHADOW DR, LAKELAND, FL 33809-3143 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jul 27, 2021 | Warranty Deed, Transfer FEDERATED TITLE AND TRUST LLC, FEDERATED TITLE & TRUST LLC |
| Aug 22, 2007 | Deed of Trust, Mortgage · FHA Mortgage HUD-HOUSING/URBAN DEV |
| Aug 22, 2007 | Deed of Trust, Mortgage · FHA Mortgage WELLS FARGO BK |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jul 28, 2021 · Amount on Record |
| Deed Sale | Jul 28, 2021 · Amount on Record |
| Prior Sale | Jul 27, 2021 · Amount on Record |
| Deed Document Number | 2021196120 |
| Deed Book / Page | 11823 / 366 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | POLK FL |
| Recording Date | Jul 27, 2021 |
| Property Address | 827 SHADOW DR, LAKELAND, FL 33809-3143 |
| Document Number | 0000194380 |
| Book / Page | 11820 / 645 |
| Map Reference | MB 391 PG 69 |
| Instrument Date | Jun 28, 2021 |
| Instrument | 2021194380 |
| Transaction Type | Transfer |
| Record Updated | Aug 9, 2021 |
| Title Company | FEDERATED TITLE AND TRUST LLC, FEDERATED TITLE & TRUST LLC |
| Amount | Amount Recorded |
|---|---|
| Tax | $970.90 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 11794 E WARMOUTH CT, 11794, FLORAL CITY, FL 34436-5429 |
| Name | Verified Name |
|---|---|
| Address | PO BOX 3955, HALLANDALE, FL 33008-3955 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | POLK FL |
| Property Address | 827 SHADOW DR, LAKELAND, FL 33809-3143 |
| Document Number | 0107120539 |
| Instrument Date | Aug 22, 2007 |
| Transaction Type | Mortgage |
| Record Updated | Jan 16, 2019 |
| Title Company | EPIC TITLE SERVICES, EPIC TITLE SVCS |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 827 SHADOW DR LAKELAND FL 338093143, LAKELAND, FL 33809-3143 |
| Document Number | 0107120539 |
|---|---|
| Date | Jan 2, 2019 |
| Book Page | 010712/000539 |
| Instrument | 154 |
| Name | HUD-HOUSING/URBAN DEV |
|---|---|
| Address | 451 7TH ST SW, WASHINGTON, DC 20410-0001 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 768 Months |
| Due | Jan 1, 2083 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 5.44% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | POLK FL |
| Property Address | 827 SHADOW DR, LAKELAND, FL 33809-3143 |
| Document Number | 0107120529 |
| Instrument Date | Aug 22, 2007 |
| Transaction Type | Mortgage |
| Record Updated | Jan 16, 2019 |
| Title Company | EPIC TITLE SERVICES, EPIC TITLE SVCS |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 827 SHADOW DR LAKELAND FL 338093143, LAKELAND, FL 33809-3143 |
| Document Number | 0107120529 |
|---|---|
| Date | Jan 2, 2019 |
| Book Page | 010712/000529 |
| Instrument | 153 |
| Name | WELLS FARGO BK |
|---|---|
| Type | Bank |
| Address | NEWARK, NJ 07101-4701 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 768 Months |
| Due | Jan 1, 2083 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 5.44% |
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 | $197,037 (-6.51%) Land $54,000 Building $143,037 | $197,037 (-6.51%) Land $54,000 Building $143,037 | |
| 2025 | $2,205.00 (-30.73%) Homeowner's exemption | $210,752 (+0.38%) Land $54,000 Building $156,752 | $210,752 (+0.38%) Land $54,000 Building $156,752 |
| 2023 | $3,183.00 (+9.8%) | $209,954 (+14.24%) Land $52,500 Building $157,454 | $209,954 (+14.24%) Land $52,500 Building $157,454 |
| 2022 | $2,899.00 | $183,786 Land $43,500 Building $140,286 | $183,786 Land $43,500 Building $140,286 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 AE, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on Record median of 21 policies |
| Community Rating System | Class 6 (20% premium discount) |
| Nearby Flood Policies | 21 in force |
| Nearby Flood Claims | 12 (2017–2024) |
| Claims Outside the SFHA | 4 of 12 |
| Most Recent Claim | Oct 2024 · Hurricane Milton |
| Claims by Event |
|
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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 99.8% of the US · lower than 99.7% of Florida |
|---|---|
| Wildfire Likelihood | Under 0.01% 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: FCC Broadband Data Collection, based on 159 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 |
| AT&T Fixed Wireless | 100 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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