40320 Palm St, Lady Lake, FL 32159 Property Records

Lake County property record for 40320 Palm St, Lady Lake, FL 32159

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,064 sqft · built 1997
Lot Size	0.183 acres (8,015 sqft)
Owner	Individual Name on File
Last Sale	$233,000 (Aug 2022)
Tax Bill	$3,032 (2024)
Deeds & Mortgages	Aug 2022 Sale & Mortgage Apr 2019 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`11-18-24-0100-053-00900`

Property Details

APN / Parcel Number

Primary APN	`11-18-24-0100-053-00900`
Alternative APN	`3623746`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,064 sqft Living Area
1st Floor Area	1,064 sqft

Exterior

Year Built	Built 1997
Effective Year Built	Effective 2022
Exterior Material	Asbestos
Construction Type	Steel Frame
Foundation Type	Slab (Mat/Raft)
Roof Material	Shingle
Lot Area	8,015 sqft (0.183 acres)
Garage Type	Finished
Garage Area	418 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Porch Area	30 sqft
Patio Area	24 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air
Heating Fuel	Electric

Location & Zoning

Account Number	3623746
Street Address	40320 PALM ST
City	LADY LAKE
State	FL
Zip	32159-5862
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	CARLTON VILLAGE LOT 9 BLK 53 PB 12 PGS 109-112 ORB 1943 PG 1724 ORB 6005 PG 2125
Legal Range	24E
Legal Township	18S
Legal Section	11
Legal Subdivision	CARLTON VILLAGE
Legal Tract	100
Legal Block	53
Legal Lot Number	9
Jurisdiction	LAKE FL
Township / Civil Division	FRUITLAND PARK-LADY LAKE
Census Block Group	1
Census Block	1010
Census Tract	30410

Owner

40320 Palm St is owned and occupied by an individual who bought it in August 2022.

Source: Lake County records, as of December 15, 2025

Owner of Record	Individual Name on File
Mailing Address	40320 PALM ST, LADY LAKE, FL 32159-5862
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.

Deeds, Mortgages & Sale History

Date	Document
Aug 9, 2022	Warranty Deed, Transfer · VA Mortgage BELL BANK
Apr 10, 2019	Deed of Trust, Mortgage · FHA Mortgage QUICKEN LNS

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 9, 2022 · Amount on File
Deed Sale	Aug 9, 2022 · Amount on File
Prior Sale	Jul 14, 2003
Deed Document Number	2022107971
Deed Book / Page	6005 / 2125
Record Updated	Jun 8, 2026

August 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LAKE FL
Recording Date	Aug 9, 2022
Property Address	40320 PALM ST, LADY LAKE, FL 32159-5862
Document Number	0060052125
Book / Page	6005 / 2125
Map Reference	MB 12 PG 56
Instrument Date	Jul 29, 2022
Instrument	2022107971
Transaction Type	Transfer
Record Updated	May 18, 2023
Title Company	ATTORNEY

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,631.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	40320 PALM ST, LADY LAKE, FL 32159-5862

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	712 TIMBERWILDE AVE, CASSELBERRY, FL 32708-6307
Investor	Possibly a Property Investor

Mortgage

Document Number	0060052128
Date	Aug 9, 2022
Instrument	6005/2128

Lender

Name	BELL BANK
Type	Bank

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Aug 1, 2052

Mortgage

Document Number	0060052141
Date	Aug 9, 2022
Book Page	6005/2141
Instrument	2022107974

Lender

Name	BELL BANK
Type	Bank
Address	MINNEAPOLIS, MN 55416

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record

April 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAKE FL
Property Address	40320 PALM ST, LADY LAKE, FL 32159-5862
Document Number	0052662245
Instrument Date	Apr 10, 2019
Transaction Type	Mortgage
Record Updated	May 2, 2019
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	40320 PALM ST LADY LAKE FL 321595862, LADY LAKE, FL 32159-5862

Mortgage

Document Number	0052662245
Date	Apr 22, 2019
Book Page	005266/002245
Instrument	43443

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Apr 21, 2049

Tax Assessment & Valuation

Source: Lake County assessment roll, as of July 1, 2025

Property Jurisdictions

Type	Name
State	Florida
County	Lake County
Unified School District	Lake County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025		$190,743 Land $46,900 Building $143,843	$190,743 Land $46,900 Building $143,843
2024	$3,032.00 (+18.72%)
2023	$2,554.00 (+187.29%)	$147,781 (+100.54%)	$147,781 (+6.78%) Land $33,500 Building $114,281
2022	$889.00 Homeowner's exemption	$73,690	$138,401 Land $24,120 Building $114,281

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

Flood

FEMA maps place 40320 Palm St in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective September 20, 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
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	2 in force

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

Wildfire risk around 40320 Palm St is moderate, ranking above 66% of the US, with a 0.2% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Moderate above 66% of the US · above 44% of Florida
Wildfire Likelihood	0.2% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	CARLTON VILLAGE public/private · serves 474 people · EPA ID FL3350152
Water Source	Groundwater
Last State Inspection	Mar 2024
Lead	Under 1 ppb (2024) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 37 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250

May also be available: Verizon.

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