1623 Cumin Dr, Poinciana (Kissimmee), FL 34759 Property Records

Polk County property record for 1623 Cumin Dr, Poinciana, FL 34759

Property Summary

Property Type	Townhouse
Details	2 bd · 2 ba · 1,089 sqft · built 2023
Lot Size	0.054 acres (2,352 sqft)
Owner	2 Individual Names on Record
Last Sale	$200,000 (Apr 2025)
Tax Bill	$2,167 (2025)
Deeds & Mortgages	Jun 2026 Mortgage Jan 2024 Sale & Construction Loan + 3 more
Flood Zone	Zone X (minimal risk)
APN	`28-28-15-935362-002130`

Property Details

APN / Parcel Number

Primary APN	`28-28-15-935362-002130`
Alternative APNs	`152828935362002130` `52828000`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Building Area	1,089 sqft Living Area
1st Floor Area	1,089 sqft

Exterior

Year Built	Built 2023
Effective Year Built	Effective 2023
Architectural Style	Townhouse
Exterior Material	Stucco
Construction Type	Masonry / Concrete Block
Foundation Type	Slab (Mat/Raft)
Roof Type	Hip
Roof Material	Tile
Lot Area	2,352 sqft (0.054 acres)
View / Lot	Commercial/Industrial

Location & Zoning

Street Address	1623 CUMIN DR
City	KISSIMMEE
State	FL
Zip	34759-5445
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Townhouse
Legal Description	TUSCANY PRESERVE PHASE 3 PB 150 PG 15-18 LOT 213
Legal Range	28E
Legal Township	28S
Legal Section	15
Legal Subdivision	TUSCANY PRESERVE PHASE 3
Legal Phase	3
Legal Tract	935362
Legal Block	1
Legal Lot Number	213
Jurisdiction	POLK FL
Township / Civil Division	HAINES CITY
Census Block Group	1
Census Block	1002
Census Tract	14126

Owner

Source: Polk County records, as of September 28, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	1623 CUMIN DR, KISSIMMEE, FL 34759-5445
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Married Couple

Deeds, Mortgages & Sale History

Date	Document
Jun 11, 2026	Deed of Trust, Mortgage · FHA Mortgage PENNYMAC LOAN SERVICES LLC
Jan 22, 2024	Warranty Deed, Construction Loan · Construction Mortgage ICE LENDER HOLDINGS LLC
Mar 7, 2022	Warranty Deed, Transfer PRISM TITLE AND CLOSING SERVICES, PILGRIM TTL & CLOSING SVCS L
Sep 23, 2021	Warranty Deed, Transfer ATTORNEY ONLY, ATTORNEY
Nov 2, 2018	Warranty Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 10, 2025 · Amount on Record
Deed Sale	Apr 10, 2025 · Amount on Record
Prior Sale	Jan 22, 2024 · Amount on Record
Deed Document Number	202583004
Deed Book / Page	13503 / 1309
Record Updated	Oct 29, 2026

June 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POLK FL
Recording Date	Jun 11, 2026
Property Address	1623 CUMIN DR, KISSIMMEE, FL 34759-5445
Document Number	0000139719
Book / Page	14034 / 917
Instrument Date	Jun 2, 2026
Instrument	2026139719
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	PENNYMAC LOAN SERVICES LLC, PENNYMAC LOAN SERVICES

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1623 CUMIN DR, KISSIMMEE, FL 34759-5445
Investor	Possibly a Property Investor

Mortgage

Document Number	0000139719,
Date	Jun 11, 2026
Book Page	14034/917
Instrument	2026139719

Lender

Name	PENNYMAC LOAN SERVICES LLC

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 1, 2056

Interest

Rate	6.37%
Max Rate	-1%

January 2024: Warranty Deed, Construction Loan

Document Type	Warranty Deed
Jurisdiction	POLK FL
Recording Date	Jan 22, 2024
Property Address	1623 CUMIN DR, POINCIANA, FL 34759-5445
Document Number	0000015509
Book / Page	12979 / 1717
Map Reference	MB 150 PG 15
Instrument Date	Jan 17, 2024
Instrument	2024015509
Transaction Type	Construction Loan
Record Updated	Feb 1, 2024
Title Company	PRISM TITLE AND CLOSING SERVICES, PILGRIM TTL & CLOSING SVCS L

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,529.50
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	6526 OLD BRICK RD STE 120, 120, WINDERMERE, FL 34786-5839

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3554 W ORANGE COUNTRY CLUB DR, WINTER GARDEN, FL 34787-5306
Investor	Possibly a Property Investor

Mortgage

Document Number	0129791719
Date	Jan 22, 2024
Instrument	12979/1719

Lender

Name	ICE LENDER HOLDINGS LLC
Type	Non-Lending Institution

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2054

March 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	POLK FL
Recording Date	Mar 7, 2022
Property Address	1623 CUMIN DR, POINCIANA, FL 34759-5445
Document Number	0000060620
Book / Page	12148 / 195
Map Reference	MB 150 PG 15
Instrument Date	Mar 4, 2022
Instrument	2022060620
Transaction Type	Transfer
Record Updated	Aug 2, 2022
Title Company	PRISM TITLE AND CLOSING SERVICES, PILGRIM TTL & CLOSING SVCS L

Transaction

Amount	Amount Recorded
Tax	$1,232.00
Amount Accuracy	Rounded by County
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name
Address	13506 SUMMERPORT VILLAGE PKWY # PKWY116, 13506, WINDERMERE, FL 34786-7366

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	10702 REAMS RD, WINDERMERE, FL 34786-5708

September 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	POLK FL
Recording Date	Sep 23, 2021
Property Address	1623 CUMIN DR, POINCIANA, FL 34759-5445
Document Number	0000248235
Book / Page	11905 / 680
Map Reference	MB 150 PG 15
Instrument Date	Sep 15, 2021
Instrument	2021248235
Transaction Type	Transfer
Record Updated	Aug 2, 2022
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount Recorded
Tax	$2,100.00
Amount Accuracy	Rounded by County
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name
Address	116 KENNY BLVD, 116, HAINES CITY, FL 33844-7618

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	6735 CONROY RD STE 305, 305, ORLANDO, FL 32835-3569
Investor	Possibly a Property Investor

November 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	POLK FL
Recording Date	Nov 2, 2018
Property Address	1623 CUMIN DR, POINCIANA, FL 34759-5445
Document Number	0106600185
Book / Page	010660 / 000185
Instrument Date	Oct 12, 2018
Instrument	230900
Transaction Type	Transfer
Record Updated	Nov 19, 2018
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Tax	$105.00
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	116 POLO PARK EAST BLVD DAVENPORT FL 338979407, DAVENPORT, FL 33897-9407
Investor	Possibly a Property Investor

Tax Assessment & Valuation

Source: Polk County assessment roll, as of September 28, 2026

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$155,500 (-6.89%) Land $100 Building $155,400	$155,500 (-6.89%) Land $100 Building $155,400
2025	$2,167.00 (+579.31%) Homeowner's exemption	$167,000 (+595.83%) Land $100 Building $166,900	$167,000 (+595.83%) Land $100 Building $166,900
2023	$319.00 (+18.59%)	$24,000 (+2%) Land $24,000	$24,000 (+2%) Land $24,000
2022	$269.00	$20,000 Land $20,000	$20,000 Land $20,000

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

Flood

Source: FEMA National Flood Hazard Layer, effective October 14, 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 Record median of 12 policies
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	12 in force
Nearby Flood Claims	1 (2022)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Sep 2022 · Hurricane Ian

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

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

Wildfire Risk	High above 76% of the US · above 62% of Florida
Wildfire Likelihood	0.5% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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	TOHO WATER AUTHORITY EASTERN private · serves 110,102 people · EPA ID FL3490751
Water Source	Groundwater
Last State Inspection	Jun 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	2 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 314 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Frontier Fiber	7,000 / 7,000
Spectrum Cable	1,000 / 35
T-Mobile Fixed Wireless	100 / 20

May also be available: AT&T, Verizon.

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