Orange County property record for 220 S Cumberland Ave, Ocoee, FL 34761
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,675 sqft · built 2005 |
| Lot Size | 0.295 acres (12,836 sqft) |
| Owner | 2 Individual Names on Record |
| Tax Bill | $2,890 (2025) |
| Deeds & Mortgages | Apr 2026 Mortgage Oct 2020 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | 17-22-28-6144-03-591 |
| Primary APN | 17-22-28-6144-03-591 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,675 sqft Living Area |
| Gross Area | 2,442 sqft |
| 1st Floor Area | 1,675 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2005 |
|---|---|
| Effective Year Built | Effective 2005 |
| Exterior Material | Concrete Block |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 12,836 sqft (0.295 acres) |
| Lot Width | 75 ft Width |
| Garage Type | Attached |
| Garage Area | 483 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Finished/Open Porch |
| Porch Area | 284 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Electric |
| Street Address | 220 S CUMBERLAND AVE |
|---|---|
| City | OCOEE |
| State | FL |
| Zip | 34761-2612 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R-1A |
| Legal Description | TOWN OF OCOEE A/100 LOT 59 & N1/2 OF LOT 58 & THE W1/2 OF VA C ALLEY ON E THEREOF PER 3808/4558 BLK 3 |
| Legal Range | 28E |
| Legal Township | 22S |
| Legal Section | 17 |
| Legal Subdivision | OCOEE |
| Legal Tract | 6144 |
| Legal Block | 3 |
| Legal Lot Number | 59,58 |
| Jurisdiction | ORANGE FL |
| Township / Civil Division | WINTER GARDEN-OCOEE |
| Census Block Group | 2 |
| Census Block | 2029 |
| Census Tract | 18100 |
Source: Orange County records, as of April 30, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | 2 Individual Names on Record |
|---|---|
| Mailing Address | 220 S CUMBERLAND AVE, OCOEE, FL 34761-2612 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Joint Tenants |
| Date | Document |
|---|---|
| Apr 20, 2026 | Deed of Trust, Mortgage · FHA Mortgage ROCKET MORTGAGE LLC |
| Oct 19, 2020 | Deed of Trust, Mortgage · Line of Credit MCCOY FCU |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Transfer Date | Sep 20, 2022 |
| Transfer Doc | 0000601536 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ORANGE FL |
| Recording Date | Apr 20, 2026 |
| Property Address | 220 S CUMBERLAND AVE, OCOEE, FL 34761-2612 |
| Document Number | 0000223012 |
| Instrument Date | Apr 10, 2026 |
| Instrument | 2026223012 |
| Transaction Type | Mortgage |
| Record Updated | Jul 12, 2026 |
| Title Company | SIMPLIFILE |
| Name | Verified Name |
|---|---|
| Address | 220 S CUMBERLAND AVE, OCOEE, FL 34761-2612 |
| Document Number | 0000223012, |
|---|---|
| Date | Apr 20, 2026 |
| Instrument | 2026223012 |
| Name | ROCKET MORTGAGE LLC |
|---|
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | May 1, 2056 |
| Rate | 6.11% |
|---|---|
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ORANGE FL |
| Property Address | 220 S CUMBERLAND AVE, OCOEE, FL 34761-2612 |
| Document Number | 0000558811 |
| Instrument Date | Oct 19, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Nov 6, 2020 |
| Title Company | MORTGAGE TITLE SERVICES INC, MORTGAGEE TITLE SVCS INC |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 220 S CUMBERLAND AVE OCOEE FL 347612612, OCOEE, FL 34761-2612 |
| Document Number | 0000558811 |
|---|---|
| Date | Oct 26, 2020 |
| Instrument | 558811 |
| Name | MCCOY FCU |
|---|---|
| Type | Credit Union |
| Address | ORLANDO, FL 32809 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|
Source: Orange County assessment roll, as of April 30, 2026
| Type | Name |
|---|---|
| State | Florida |
| County | Orange County |
| Municipality | Ocoee City |
| Unified School District | Orange County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $177,680 (+2.7%) | $353,195 (-1.26%) Land $73,165 Building $280,030 | |
| 2025 | $2,890.00 (+16.34%) Homeowner's exemption | $173,009 (+12.1%) | $357,695 (+20.05%) Land $73,165 Building $284,530 |
| 2024 | $2,484.00 (+3.59%) | ||
| 2023 | $2,398.00 (+3.67%) Homeowner's exemption | $154,329 (+3%) | $297,955 (+14.19%) Land $64,178 Building $233,777 |
| 2022 | $2,313.00 Homeowner's exemption | $149,834 | $260,918 Land $64,178 Building $196,740 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
Source: FEMA National Flood Hazard Layer, effective September 24, 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 5 (25% premium discount) |
| Nearby Flood Policies | 1 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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 99.1% of the US · lower than 98.7% of Florida |
|---|---|
| Wildfire Likelihood | Under 0.01% 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 | OCOEE, CITY OF (2 WPS) serves 34,000 people · EPA ID FL3480204 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Dec 2025 |
| Lead | Under 1 ppb (2023) 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 129 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable · Fiber in parts of the area | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
May also be available: Hotwire Communications.
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