638 Palmetto St, Eustis, FL 32726 Property Records

Lake County property record for 638 Palmetto St, Eustis, FL 32726

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,160 sqft · built 1935
Lot Size	0.336 acres (14,651 sqft)
Owner	2 Individual Names on File
Last Sale	$275,000 (Aug 2022)
Tax Bill	$3,664 (2024)
Deeds & Mortgages	Aug 2022 Sale & Mortgage Sep 2021 Sale
Flood Zone	Zone X (minimal risk)
APN	`01-19-26-0100-000-06100`

Property Details

APN / Parcel Number

Primary APN	`01-19-26-0100-000-06100`
Alternative APNs	`261901010000006100` `1421781`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	1,160 sqft Living Area
1st Floor Area	770 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1935
Effective Year Built	Effective 2011
Exterior Material	Wood
Construction Type	Frame
Roof Material	Asphalt
Lot Area	14,651 sqft (0.336 acres)
Lot Dimensions	148 ft deep x 99 ft wide
Porch	Finished/Open Porch
Porch Area	290 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Account Number	1421781
Street Address	638 PALMETTO ST
City	EUSTIS
State	FL
Zip	32726-3123
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SR
Legal Description	EUSTIS GOULDS SUB PB 2 PG 18 LOTS 61 62 63 ORB 6008 PG 963
Legal Range	26E
Legal Township	19S
Legal Section	1
Legal Subdivision	EUSTIS GOULDS SUB
Legal Tract	0100
Legal Block	1
Legal Lot Number	61
Jurisdiction	LAKE FL
Township / Civil Division	EUSTIS
Census Block Group	1
Census Block	1026
Census Tract	30206

Owner

638 Palmetto St is owned and occupied by two individuals who bought it in August 2022.

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

Owner of Record	2 Individual Names on File
Mailing Address	638 PALMETTO ST, EUSTIS, FL 32726-3123
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 15, 2022	Warranty Deed, Transfer · VA Mortgage AMERIFIRST FINANCIAL CORP
Sep 22, 2021	Warranty Deed, Transfer SELECT TITLE SERVICES INC, SELECT TITLE AGENCY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 15, 2022 · Amount on File
Deed Sale	Aug 15, 2022 · Amount on File
Prior Sale	Sep 22, 2021 · Amount on File
Deed Document Number	2022110433
Deed Book / Page	6008 / 963
Prior Transfer Date	Dec 29, 2009
Prior Transfer Doc	0038562102
Record Updated	Oct 29, 2026

August 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LAKE FL
Recording Date	Aug 15, 2022
Property Address	638 PALMETTO ST, EUSTIS, FL 32726-3123
Document Number	0060080963
Book / Page	6008 / 963
Map Reference	MB 2 PG 20
Instrument Date	Aug 10, 2022
Instrument	2022110433
Transaction Type	Transfer
Record Updated	May 18, 2023
Title Company	CELEBRATION TITLE GROUP

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,925.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1167 LAKE BLANCHE DR, ORLANDO, FL 32808-6954

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	638 PALMETTO ST, EUSTIS, FL 32726-3123

Mortgage

Document Number	0006008979
Date	Aug 15, 2022
Instrument	6008/979

Lender

Name	AMERIFIRST FINANCIAL CORP
Type	Funding / Finance Company

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Sep 1, 2052

September 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LAKE FL
Recording Date	Sep 22, 2021
Property Address	638 PALMETTO ST, EUSTIS, FL 32726-3123
Document Number	0057991188
Book / Page	5799 / 1188
Map Reference	MB 2 PG 20
Instrument Date	Sep 16, 2021
Instrument	2021130718
Transaction Type	Transfer
Record Updated	May 18, 2023
Title Company	SELECT TITLE SERVICES INC, SELECT TITLE AGENCY

Transaction

Amount	Amount on Record
Tax	$700.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2621 BLUFFTON RD, BUFORD, GA 30519-5171

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1167 LAKE BLANCHE DR, ORLANDO, FL 32808-6954

Tax Assessment & Valuation

Source: Lake County assessment roll, as of November 26, 2025

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$224,027 (-) Land $51,965 Building $172,062	$224,027 (-) Land $51,965 Building $172,062
2025		$224,027 Land $51,965 Building $172,062	$224,027 Land $51,965 Building $172,062
2024	$3,664.00 (+3.94%)
2023	$3,525.00 (+89.11%) Homeowner's exemption	$218,519 (+139.35%)	$218,519 (+139.35%) Land $51,965 Building $166,554
2022	$1,864.00	$91,298	$91,298 Land $32,478 Building $58,820

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

FEMA maps place 638 Palmetto St in Zone X, an area of minimal flood risk, though there have been 2 flood claims nearby since 1979.

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
Flood Insurance Cost	Premium on File median of 22 policies
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	22 in force
Nearby Flood Claims	2 (1979–2025)
Most Recent Claim	Oct 2025 · river or lake flooding

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 638 Palmetto St is low, with a 0.06% annual chance of wildfire.

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

Wildfire Risk	Low lower than 63% of the US · lower than 89% of Florida
Wildfire Likelihood	0.06% annual chance
Exposure	None beyond ember reach

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	EUSTIS, CITY OF (4 WTPS) serves 39,721 people · EPA ID FL3350346
Water Source	Groundwater
Last State Inspection	Mar 2025
Lead	Under 1 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 287 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
CenturyLink Fiber	3,000 / 3,000
Xfinity Cable	2,000 / 250
Verizon Fixed Wireless	300 / 20

May also be available: Hotwire Communications.

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