Polk County property record for 924 Hammock Shade Dr, Lakeland, FL 33809
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,803 sqft · built 1986 |
| Lot Size | 0.362 acres (15,782 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $209,900 (Apr 2017) |
| Tax Bill | $1,464 (2025) |
| Deeds & Mortgages | Feb 2021 Mortgage Dec 2018 Line of Credit + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 24-27-08-161004-000980 |
| Primary APN | 24-27-08-161004-000980 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,803 sqft Living Area |
| Gross Area | 2,597 sqft |
| 1st Floor Area | 1,803 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1986 |
|---|---|
| Effective Year Built | Effective 1986 |
| Exterior Material | Stucco |
| Construction Type | Masonry / Concrete Block |
| Foundation Type | Concrete |
| Roof Type | Gable |
| Roof Material | Other |
| Lot Area | 15,782 sqft (0.362 acres) |
| Lot Dimensions | 133 ft deep x 117 ft wide |
| View / Lot | Commercial/Industrial |
| Garage Type | Attached |
| Garage Area | 506 sqft |
| Porch | Florida Room |
| Porch Area | 392 sqft |
| Shed | 1 Shed |
| Cooling System | Central |
|---|
| Street Address | 924 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 98 |
| Legal Range | 24E |
| Legal Township | 27S |
| Legal Section | 08 |
| Legal Subdivision | OAKS OF LAKELAND THE |
| Legal Tract | 161004 |
| Legal Block | 1 |
| Legal Lot Number | 98 |
| Jurisdiction | POLK FL |
| Township / Civil Division | LAKELAND |
| Census Block Group | 1 |
| Census Block | 1012 |
| Census Tract | 12304 |
924 Hammock Shade Dr is owned and occupied by two individuals who bought it in April 2017.
Source: Polk County records, as of September 28, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 924 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 |
|---|---|
| Feb 2, 2021 | Deed of Trust, Mortgage · Conventional Mortgage MIDFLORIDA CU |
| Dec 12, 2018 | Deed of Trust, Mortgage · Line of Credit MIDFLORIDA CU |
| Apr 26, 2017 | Warranty Deed, Transfer · Conventional Mortgage MIDFLORIDA CU ISAOA |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Apr 26, 2017 · Amount on File |
| Deed Sale | Apr 26, 2017 · Amount on File |
| Prior Sale | Jun 28, 2016 · Amount on File |
| Deed Document Number | 201778765 |
| Deed Book / Page | 10128 / 1733 |
| Prior Transfer Date | Nov 24, 2015 |
| Prior Transfer Doc | 0000214086 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | POLK FL |
| Property Address | 924 HAMMOCK SHADE DR, LAKELAND, FL 33809-2316 |
| Transaction Type | Mortgage |
| Record Updated | Apr 2, 2026 |
| Title Company | SERVICELINK |
| Name | Verified Name |
|---|---|
| Address | 924 HAMMOCK SHADE DR, LAKELAND, FL 33809-2316 |
| Document Number | 0000026084 |
|---|---|
| Date | Feb 2, 2021 |
| Book Page | 11562/49 |
| Instrument | 2021026084 |
| Name | MIDFLORIDA CU |
|---|---|
| Type | Credit Union |
| Address | LAKELAND, FL 33802 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 180 Months |
| Due | Feb 1, 2036 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | POLK FL |
| Property Address | 924 HAMMOCK SHADE DR, LAKELAND, FL 33809-2316 |
| Document Number | 0107031787 |
| Instrument Date | Dec 12, 2018 |
| Transaction Type | Mortgage |
| Record Updated | Jan 8, 2019 |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 924 HAMMOCK SHADE DR LAKELAND FL 338092316, LAKELAND, FL 33809-2316 |
| Document Number | 0107031787 |
|---|---|
| Date | Dec 20, 2018 |
| Book Page | 010703/001787 |
| Instrument | 263585 |
| Name | MIDFLORIDA CU |
|---|---|
| Address | LAKELAND, FL 33802 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 240 Months |
| Due | Dec 19, 2038 |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | POLK FL |
| Recording Date | Apr 26, 2017 |
| Property Address | 924 HAMMOCK SHADE DR, LAKELAND, FL 33809-2316 |
| Document Number | 0101281733 |
| Book / Page | 010128 / 001733 |
| Instrument Date | Apr 20, 2017 |
| Instrument | 78765 |
| Transaction Type | Transfer |
| Record Updated | Jul 14, 2020 |
| Title Company | SUNBELT TITLE (AGENCY) |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,469.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 924 HAMMOCK SHADE DR LAKELAND FL 338092316, LAKELAND, FL 33809-2316 |
| Document Number | 101281734 |
|---|---|
| Date | Apr 26, 2017 |
| Book Page | 010128/001734 |
| Instrument | 78766 |
| Name | MIDFLORIDA CU ISAOA |
|---|---|
| Type | Credit Union |
| Address | LAKELAND, FL 33802-8008 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Apr 25, 2047 |
The 2025 property tax bill for 924 Hammock Shade Dr was $1,464 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 | $157,652 (+2.7%) | $279,249 (-3.63%) Land $60,000 Building $219,249 | |
| 2025 | $1,464.00 Homeowner's exemption | $153,507 | $289,758 Land $60,000 Building $229,758 |
| 2023 | $1,944.00 (+4.74%) Homeowner's exemption | $144,836 (+3%) | $291,523 (+18.12%) Land $58,000 Building $233,523 |
| 2022 | $1,856.00 Homeowner's exemption | $140,617 | $246,792 Land $48,000 Building $198,792 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 924 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 924 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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