Lake County property record for 4041 Elm St, Lady Lake, FL 32159
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,332 sqft · built 1996 |
| Lot Size | 0.207 acres (9,030 sqft) |
| Owner | Individual Name on File |
| Last Sale | $237,500 (Jun 2022) |
| Tax Bill | $3,381 (2024) |
| Deeds & Mortgages | Jan 2022 Mortgage Jun 2022 Sale & Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 11-18-24-0100-005-01200 |
| Primary APN | 11-18-24-0100-005-01200 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,332 sqft Living Area |
| 1st Floor Area | 1,332 sqft |
| Year Built | Built 1996 |
|---|---|
| Effective Year Built | Effective 2022 |
| Exterior Material | Brick |
| Construction Type | Concrete Block |
| Foundation Type | Slab (Mat/Raft) |
| Roof Material | Shingle |
| Lot Area | 9,030 sqft (0.207 acres) |
| Garage Type | Finished |
| Garage Area | 195 sqft |
| Porch | Open Porch |
| Porch Area | 165 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air |
| Heating Fuel | Electric |
| Account Number | 1414482 |
|---|---|
| Street Address | 4041 ELM ST |
| City | LADY LAKE |
| State | FL |
| Zip | 32159-3405 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | CARLTON VILLAGE LOT 12 BLK 5 PB 12 PGS 109-112 ORB 5969 PG 1057 |
| Legal Range | 24E |
| Legal Township | 18S |
| Legal Section | 11 |
| Legal Subdivision | CARLTON VILLAGE |
| Legal Tract | 100 |
| Legal Block | 5 |
| Legal Lot Number | 12 |
| Jurisdiction | LAKE FL |
| Township / Civil Division | FRUITLAND PARK-LADY LAKE |
| Census Block Group | 1 |
| Census Block | 1035 |
| Census Tract | 30410 |
4041 Elm St is owned and occupied by an individual who bought it in June 2022.
Source: Lake County records, as of December 15, 2025
| Owner of Record | Individual Name on File |
|---|---|
| Co-owner | Co-owner on File |
| Mailing Address | 4041 ELM ST, LADY LAKE, FL 32159-3405 |
| 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 |
|---|---|
| Jan 12, 2022 | Deed of Trust, Mortgage · FHA Mortgage FLAGSTAR BANK FSB |
| Jun 6, 2022 | Warranty Deed, Transfer · FHA Mortgage NP INC |
| Jan 3, 2019 | Warranty Deed, Transfer · FHA Mortgage PARAMOUNT RESIDENTIAL MORTGAGE GROU |
| Sep 4, 2018 | Warranty Deed, Transfer SOUTHEAST PROF TITLE L |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jun 6, 2022 · Amount on File |
| Deed Sale | Jun 6, 2022 · Amount on File |
| Prior Sale | Jan 3, 2019 · Amount on File |
| Deed Document Number | 2022077842 |
| Deed Book / Page | 5969 / 1057 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LAKE FL |
| Property Address | 4041 ELM ST, LADY LAKE, FL 32159-3405 |
| Transaction Type | Mortgage |
| Record Updated | May 18, 2023 |
| Title Company | FIRST AMERICAN TITLE |
| Name | Verified Name |
|---|---|
| Address | 4041 ELM ST, LADY LAKE, FL 32159-3405 |
| Document Number | 0058752201 |
|---|---|
| Date | Jan 12, 2022 |
| Book Page | 5875/2201 |
| Instrument | 2022005835 |
| Name | FLAGSTAR BANK FSB |
|---|---|
| Type | Bank |
| Address | JACKSONVILLE, FL 32202 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 324 Months |
| Due | Jan 1, 2049 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | LAKE FL |
| Recording Date | Jun 6, 2022 |
| Property Address | 4041 ELM ST, LADY LAKE, FL 32159-3405 |
| Document Number | 0059691057 |
| Book / Page | 5969 / 1057 |
| Map Reference | MB 12 PG 56 |
| Instrument Date | May 31, 2022 |
| Instrument | 2022077842 |
| Transaction Type | Transfer |
| Record Updated | May 18, 2023 |
| Title Company | MAGNOLIA CLOSING COMPANY, MAGNOLIA CLOSING CO |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,662.50 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 109 RIVER BIRCH LN, MACON, GA 31216-6651 |
| Name | Verified Name |
|---|---|
| Address | 211 S VILLA AVE, FRUITLAND PARK, FL 34731-4449 |
| Document Number | 0059691059 |
|---|---|
| Date | Jun 6, 2022 |
| Instrument | 5969/1059 |
| Name | NP INC |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jun 1, 2052 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | LAKE FL |
| Recording Date | Jan 3, 2019 |
| Property Address | 4041 ELM ST, LADY LAKE, FL 32159-3405 |
| Document Number | 0052180219 |
| Book / Page | 5218 / 0219 |
| Map Reference | MB 12 PG 56 |
| Instrument Date | Dec 21, 2018 |
| Instrument | 2019000847 |
| Transaction Type | Transfer |
| Record Updated | Jan 11, 2022 |
| Title Company | FREEDOM TITLE & ESCROW CO |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,008.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | PO BOX 952, UMATILLA, FL 32784-0952 |
| Name | Verified Name |
|---|---|
| Address | 4041 ELM ST, LADY LAKE, FL 32159-3405 |
| Document Number | 2019000848 |
|---|---|
| Date | Jan 3, 2019 |
| Instrument | 2019000848 |
| Name | PARAMOUNT RESIDENTIAL MORTGAGE GROU |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jan 1, 2049 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | LAKE FL |
| Recording Date | Sep 4, 2018 |
| Property Address | 4041 ELM ST, LADY LAKE, FL 32159-3405 |
| Document Number | 0051631408 |
| Book / Page | 005163 / 001408 |
| Instrument Date | Aug 30, 2018 |
| Instrument | 102904 |
| Transaction Type | Transfer |
| Record Updated | Sep 14, 2018 |
| Title Company | SOUTHEAST PROF TITLE L |
| Amount | Amount on Record |
|---|---|
| Tax | $568.40 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Address | PO BOX 952 UMATILLA FL 327840952, UMATILLA, FL 32784-0952 |
Source: Lake County assessment roll, as of July 1, 2025
| Type | Name |
|---|---|
| State | Florida |
| County | Lake County |
| Unified School District | Lake County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $220,368 Land $46,900 Building $173,468 | $220,368 Land $46,900 Building $173,468 | |
| 2024 | $3,381.00 (+17.97%) | ||
| 2023 | $2,866.00 (+93.26%) | $170,963 (+45.74%) | $170,963 (+5.81%) Land $33,500 Building $137,463 |
| 2022 | $1,483.00 Homeowner's exemption | $117,310 | $161,583 Land $24,120 Building $137,463 |
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.
FEMA maps place 4041 Elm 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 risk around 4041 Elm St is moderate, ranking above 54% 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 54% of the US · lower than 74% of Florida |
|---|---|
| Wildfire Likelihood | 0.1% 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: 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 |
| 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.
Source: FCC Broadband Data Collection, based on 95 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 2,000 / 250 |
| T-Mobile Fixed Wireless | 100 / 20 |
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