4840 Kelso St, Leesburg, FL 34748 Property Records

Lake County property record for 4840 Kelso St, Leesburg, FL 34748

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,633 sqft · built 2005
Lot Size	0.242 acres (10,538 sqft)
Owner	2 Individual Names on File
Last Sale	$34,800 (Dec 2002)
Tax Bill	$3,440 (2024)
Deeds & Mortgages	Jun 2021 Line of Credit Aug 2019 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`13-21-24-1855-000-12450`

Property Details

APN / Parcel Number

Primary APN	`13-21-24-1855-000-12450`
Alternative APNs	`242113185500012450` `3808413`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	2,633 sqft Living Area
Gross Area	3,341 sqft
1st Floor Area	2,633 sqft

Exterior

Year Built	Built 2005
Effective Year Built	Effective 2024
Exterior Material	Brick
Construction Type	Frame
Roof Material	Asphalt
Lot Area	10,538 sqft (0.242 acres)
Garage Type	Attached
Garage Area	708 sqft
Parking Spaces	2 Parking Spaces
Porch	Screened/Unfinished Porch
Porch Area	601 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C
Heating Fuel	Electric

Location & Zoning

Account Number	3808413
Street Address	4840 KELSO ST
City	LEESBURG
State	FL
Zip	34748-8573
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	A
Legal Description	ROYAL HIGHLANDS PHASE 2-A SUB LOT 1245 PB 46 PGS 59-63 ORB 2233 PG 2168 ORB 4523 PG 742
Legal Range	24E
Legal Township	21S
Legal Section	13
Legal Subdivision	ROYAL HIGHLANDS PHASE 2-A SUB
Legal Tract	1855
Legal Lot Number	1245
Jurisdiction	LAKE FL
Township / Civil Division	GROVELAND-MASCOTTE
Census Block Group	3
Census Block	3013
Census Tract	31203

Owner

4840 Kelso St is owned and occupied by two individuals who acquired it in August 2014.

Source: Lake County records, as of November 26, 2025

Owner of Record	2 Individual Names on File
Mailing Address	4840 KELSO ST, LEESBURG, FL 34748-8573
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
Jun 7, 2021	Deed of Trust, Mortgage · Line of Credit TRUIST BANK
Aug 13, 2019	Deed of Trust, Mortgage · Line of Credit BRANCH BK&TR

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 30, 2002 · Amount on File
Deed Sale	Dec 30, 2002 · Amount on File
Deed Book / Page	2233 / 2168
Last Transfer Date	Aug 4, 2014
Transfer Doc	0045230742
Record Updated	Jun 8, 2026

June 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAKE FL
Property Address	4840 KELSO ST, LEESBURG, FL 34748-8573
Transaction Type	Mortgage
Record Updated	May 18, 2023
Title Company	TITLE 365, TITLE365

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4840 KELSO ST, LEESBURG, FL 34748-8573

Mortgage

Document Number	0057231305
Date	Jun 7, 2021
Book Page	5723/1305
Instrument	2021077340

Lender

Name	TRUIST BANK
Type	Bank
Address	ORLANDO, FL 32809

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

August 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAKE FL
Property Address	4840 KELSO ST, LEESBURG, FL 34748-8573
Document Number	0053381317
Instrument Date	Aug 13, 2019
Transaction Type	Mortgage
Record Updated	Sep 20, 2019
Title Company	ACCURATE EQUITY GROUP, ACCURATE EQUITY GRP

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	4840 KELSO ST LEESBURG FL 347488573, LEESBURG, FL 34748-8573

Mortgage

Document Number	0053381317
Date	Sep 9, 2019
Book Page	005338/001317
Instrument	101137

Lender

Name	BRANCH BK&TR
Type	Bank
Address	WHITEVILLE, NC 28472

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	300 Months
Due	Sep 8, 2044

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

Source: Lake County assessment roll, as of November 26, 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
2026		$256,220 (+2.9%)	$350,300 (-) Land $61,250 Building $289,050
2025		$249,000 Land $61,250 Building $187,750	$350,300 Land $61,250 Building $289,050
2024	$3,440.00 (+8.14%)
2023	$3,181.00 (+7.83%) Homeowner's exemption	$234,950 (+3%)	$338,672 (+16.55%) Land $61,250 Building $277,422
2022	$2,950.00 Homeowner's exemption	$228,110	$290,574 Land $40,000 Building $250,574

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 4840 Kelso St in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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
Nearest Special Flood Hazard Area	Zone A, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File median of 26 policies
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	26 in force
Nearby Flood Claims	1 (2024)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Oct 2024 · Hurricane Milton

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 4840 Kelso St is moderate, ranking above 66% of the US, with a 0.3% 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	0.3% 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	LEESBURG/ROYAL HIGHLANDS serves 3,248 people · EPA ID FL3354929
Water Source	Groundwater
Last State Inspection	Mar 2025
Also Mapped Here	CITY OF LEESBURG
Lead	9 ppb (2023) 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. The service area is an EPA estimate; the actual supplier may differ.

Internet Providers

Source: FCC Broadband Data Collection, based on 164 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Fiber	1,200 / 35
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: Spectrum.

Cell Coverage

5G (outdoors only) and 4G LTE

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