Polk County property record for 938 Hammock Shade Dr, Lakeland, FL 33809
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,784 sqft · built 1986 |
| Lot Size | 0.356 acres (15,494 sqft) |
| Owner | Individual Name on File |
| Tax Bill | $1,028 (2025) |
| Flood Zone | Zone X (minimal risk) |
| APN | 24-27-08-161004-000960 |
| Primary APN | 24-27-08-161004-000960 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,784 sqft Living Area |
| Gross Area | 2,225 sqft |
| 1st Floor Area | 1,784 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 | Hip |
| Roof Material | Other |
| Lot Area | 15,494 sqft (0.356 acres) |
| Lot Dimensions | 132 ft deep x 117 ft wide |
| View / Lot | Commercial/Industrial |
| Garage Type | Attached |
| Garage Area | 441 sqft |
| Porch | Enclosed/Unfinished Porch |
| Porch Area | 378 sqft |
| Cooling System | Central |
|---|
| Street Address | 938 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 96 |
| Legal Range | 24E |
| Legal Township | 27S |
| Legal Section | 08 |
| Legal Subdivision | OAKS OF LAKELAND THE |
| Legal Tract | 161004 |
| Legal Block | 1 |
| Legal Lot Number | 96 |
| Jurisdiction | POLK FL |
| Township / Civil Division | LAKELAND |
| Census Block Group | 1 |
| Census Block | 1012 |
| Census Tract | 12304 |
938 Hammock Shade Dr is owned and occupied by an individual.
Source: Polk County records, as of September 28, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 938 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.
| Deed Names | Name on Deed |
|---|---|
| Record Updated | Oct 29, 2026 |
The 2025 property tax bill for 938 Hammock Shade Dr was $1,028 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 | $128,088 (+2.7%) | $280,656 (-3.3%) Land $60,000 Building $220,656 | |
| 2025 | $1,028.00 Homeowner's exemption | $124,721 | $290,222 Land $60,000 Building $230,222 |
| 2023 | $1,507.00 (+1.41%) Homeowner's exemption | $117,676 (+3%) | $291,870 (+18.63%) Land $58,000 Building $233,870 |
| 2022 | $1,486.00 Homeowner's exemption | $114,249 | $246,025 Land $48,000 Building $198,025 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 938 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 938 Hammock Shade Dr is moderate, ranking above 42% of the US, with a 0.08% 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 | 0.08% 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 209 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 |
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