4844 Kelso St, Leesburg, FL 34748 Property Records

Lake County property record for 4844 Kelso St, Leesburg, FL 34748

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,474 sqft · built 2003
Lot Size	0.148 acres (6,485 sqft)
Owner	2 Individual Names on File
Last Sale	$150,000 (Aug 2017)
Tax Bill	$2,199 (2024)
Deeds & Mortgages	Jun 2019 Line of Credit Aug 2017 Sale
Flood Zone	Zone X (minimal risk)
APN	`13-21-24-1855-000-12440`

Property Details

APN / Parcel Number

Primary APN	`13-21-24-1855-000-12440`
Alternative APN	`3808412`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,474 sqft Living Area
1st Floor Area	1,474 sqft

Exterior

Year Built	Built 2003
Effective Year Built	Effective 2023
Exterior Material	Asbestos
Construction Type	Steel Frame
Foundation Type	Slab (Mat/Raft)
Roof Material	Shingle
Lot Area	6,485 sqft (0.148 acres)
Garage Type	Finished
Garage Area	420 sqft
Parking Spaces	2 Parking Spaces
Porch	Porch
Porch Area	604 sqft
Patio Area	92 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air
Heating Fuel	Electric

Location & Zoning

Account Number	3808412
Street Address	4844 KELSO ST
City	LEESBURG
State	FL
Zip	34748-8573
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	ROYAL HIGHLANDS PHASE 2-A SUB LOT 1244 PB 46 PGS 59-63 ORB 4981 PG 2053
Legal Range	24E
Legal Township	21S
Legal Section	13
Legal Subdivision	ROYAL HIGHLANDS
Legal Phase	2
Legal Tract	1855
Legal Lot Number	1244
Jurisdiction	LAKE FL
Township / Civil Division	GROVELAND-MASCOTTE
Census Block Group	3
Census Block	3013
Census Tract	31203

Owner

4844 Kelso St is owned and occupied by two individuals who bought it in August 2017.

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

Owner of Record	2 Individual Names on File
Mailing Address	4844 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 12, 2019	Deed of Trust, Mortgage · Line of Credit BRANCH BK&TR
Aug 3, 2017	Warranty Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 3, 2017 · Amount on File
Deed Sale	Aug 3, 2017 · Amount on File
Prior Sale	Dec 21, 2011 · Amount on File
Deed Document Number	2017083563
Deed Book / Page	4981 / 2053
Record Updated	Jun 8, 2026

June 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAKE FL
Property Address	4844 KELSO ST, LEESBURG, FL 34748-8573
Document Number	0052980483
Instrument Date	Jun 12, 2019
Transaction Type	Mortgage
Record Updated	Jul 3, 2019
Title Company	DATA SEARCH INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	4844 KELSO ST LEESBURG FL 347488573, LEESBURG, FL 34748-8573

Mortgage

Document Number	0052980483
Date	Jun 21, 2019
Book Page	005298/000483
Instrument	69558

Lender

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

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	300 Months
Due	Jun 20, 2044

Interest

Rate Type	Adjustable Rate

August 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LAKE FL
Recording Date	Aug 3, 2017
Property Address	4844 KELSO ST, LEESBURG, FL 34748-8573
Document Number	0049812053
Book / Page	004981 / 002053
Instrument Date	Jul 28, 2017
Instrument	83563
Transaction Type	Transfer
Record Updated	Aug 30, 2017
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount on Record
Tax	$1,050.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	4844 KELSO ST LEESBURG FL 347488573, LEESBURG, FL 34748-8573

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		$152,020 Land $55,125 Building $96,895	$250,176 Land $55,125 Building $195,051
2024	$2,199.00 (+11.85%)
2023	$1,966.00 (+11.45%) Homeowner's exemption	$143,440 (+2.99%)	$240,634 (+38.51%) Land $55,125 Building $185,509
2022	$1,764.00 Homeowner's exemption	$139,270	$173,726 Land $36,000 Building $137,726

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

Flood

FEMA maps place 4844 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 4844 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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