Polk County property record for 918 Hammock Shade Dr, Lakeland, FL 33809
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 2,354 sqft · built 1987 |
| Lot Size | 0.352 acres (15,342 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $325,000 (Jun 2019) |
| Tax Bill | $2,392 (2025) |
| Deeds & Mortgages | Dec 2020 Mortgage Jun 2019 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 24-27-08-161004-000990 |
| Primary APN | 24-27-08-161004-000990 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 2,354 sqft Living Area |
| Gross Area | 2,900 sqft |
| 1st Floor Area | 2,084 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 | 15,342 sqft (0.352 acres) |
| Lot Dimensions | 132 ft deep x 117 ft wide |
| View / Lot | Commercial/Industrial |
| Garage Type | Attached |
| Garage Area | 546 sqft |
| Pool Type | Enclosed Pool |
|---|---|
| Pool Area | 392 sqft |
| Porch | Florida Room |
| Porch Area | 334 sqft |
| Cooling System | Central |
|---|
| Street Address | 918 HAMMOCK SHADE DR |
|---|---|
| City | LAKELAND |
| State | FL |
| Zip | 33809-2316 |
| 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 99 |
| Legal Range | 24E |
| Legal Township | 27S |
| Legal Section | 08 |
| Legal Subdivision | OAKS OF LAKELAND THE |
| Legal Tract | 161004 |
| Legal Block | 1 |
| Legal Lot Number | 99 |
| Jurisdiction | POLK FL |
| Township / Civil Division | LAKELAND |
| Census Block Group | 1 |
| Census Block | 1012 |
| Census Tract | 12304 |
918 Hammock Shade Dr is owned and occupied by two individuals who bought it in June 2019.
Source: Polk County records, as of September 28, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 918 HAMMOCK SHADE DR, LAKELAND, FL 33809-2316 |
| 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 |
|---|---|
| Dec 16, 2020 | Deed of Trust, Mortgage BESTWAY MTG CORP |
| Jun 28, 2019 | Warranty Deed, Transfer · Conventional with PMI BESTWAY MTG |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jun 28, 2019 · Amount on File |
| Deed Sale | Jun 28, 2019 · Amount on File |
| Deed Document Number | 2019134951 |
| Deed Book / Page | 10890 / 340 |
| Prior Transfer Date | Feb 24, 2003 |
| Prior Transfer Doc | 0052820821 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | POLK FL |
| Property Address | 918 HAMMOCK SHADE DR, LAKELAND, FL 33809-2316 |
| Document Number | 0115050630 |
| Instrument Date | Dec 16, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Jan 8, 2021 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 918 HAMMOCK SHADE DR LAKELAND FL 338092316, LAKELAND, FL 33809-2316 |
| Document Number | 0115050630 |
|---|---|
| Date | Dec 21, 2020 |
| Book Page | 011505/000630 |
| Instrument | 276545 |
| Name | BESTWAY MTG CORP |
|---|---|
| Address | 12 CENTER ST, WOLCOTT, CT 06716-2002 |
| Amount | Amount on Record |
|---|---|
| Term | 360 Months |
| Due | Dec 20, 2050 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | POLK FL |
| Recording Date | Jun 28, 2019 |
| Property Address | 918 HAMMOCK SHADE DR, LAKELAND, FL 33809-2316 |
| Document Number | 0108900340 |
| Book / Page | 010890 / 000340 |
| Instrument Date | Jun 27, 2019 |
| Instrument | 134951 |
| Transaction Type | Transfer |
| Record Updated | Jul 11, 2019 |
| Title Company | NORTH AMERICAN TITLE |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,275.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 918 HAMMOCK SHADE DR LAKELAND FL 338092316, LAKELAND, FL 33809-2316 |
| Document Number | 108900342 |
|---|---|
| Date | Jun 28, 2019 |
| Book Page | 010890/000342 |
| Instrument | 134952 |
| Name | BESTWAY MTG |
|---|---|
| Type | Mortgage Company |
| Address | WOLCOTT, CT 06716 |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jun 27, 2049 |
The 2025 property tax bill for 918 Hammock Shade Dr was $2,392 with a homeowner's exemption, down 2% from the year before.
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 | $231,326 (+2.7%) | $353,742 (+2.98%) Land $60,000 Building $293,742 | |
| 2025 | $2,392.00 (-20.03%) Homeowner's exemption | $225,244 | $343,508 Land $60,000 Building $283,508 |
| 2024 | $2,991.00 (+6.18%) | ||
| 2023 | $2,817.00 (+3.76%) Homeowner's exemption | $212,520 (+3%) | $344,066 (+17.38%) Land $58,000 Building $286,066 |
| 2022 | $2,715.00 Homeowner's exemption | $206,330 | $293,131 Land $48,000 Building $245,131 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 918 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 918 Hammock Shade Dr is moderate, ranking above 46% of the US, with a 0.1% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 46% of the US · lower than 83% of Florida |
|---|---|
| Wildfire Likelihood | 0.1% annual chance |
| Exposure | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
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 129 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 |
| T-Mobile Fixed Wireless | 100 / 20 |
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