400 S Cumberland Ave, Ocoee, FL 34761 Property Records

Orange County property record for 400 S Cumberland Ave, Ocoee, FL 34761

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,615 sqft · built 1988
Lot Size	0.36 acres (15,695 sqft)
Owner	Individual Name on Record
Last Sale	$490,000 (Jul 2026)
Tax Bill	$6,197 (2025)
Deeds & Mortgages	Jul 2026 Sale & Mortgage Oct 2018 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`19-22-28-3553-00-090`

Property Details

APN / Parcel Number

Primary APN	`19-22-28-3553-00-090`
Alternative APNs	`282219355300090` `243799` `248645` `253213`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,615 sqft Living Area
Gross Area	2,456 sqft
1st Floor Area	1,615 sqft
Flooring	Wood
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1988
Effective Year Built	Effective 1995
Exterior Material	Concrete/Cinder Block
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	15,695 sqft (0.36 acres)
Garage Type	Attached
Garage Area	506 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	655 sqft
Patio Area	598 sqft
Shed	1 Shed

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	400 S CUMBERLAND AVE
City	OCOEE
State	FL
Zip	34761-2625
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1AA
Legal Description	HIDDEN OAKS SUB 19/61 LOT 9
Legal Range	28E
Legal Township	22S
Legal Section	19
Legal Subdivision	HIDDEN OAKS
Legal Tract	3553
Legal Lot Number	9
Jurisdiction	ORANGE FL
Township / Civil Division	WINTER GARDEN-OCOEE
Census Block Group	2
Census Block	2033
Census Tract	18100

Owner

Source: Orange County records, as of October 13, 2026

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

Owner of Record	Individual Name on Record
Mailing Address	2016 TILLMAN AVE, WINTER GARDEN, FL 34787-5488
Owner Type	Individual
Vesting	Single Woman

Deeds, Mortgages & Sale History

Date	Document
Jul 23, 2026	Warranty Deed, Transfer · Conventional Mortgage WELLS FARGO
Oct 16, 2018	Warranty Deed, Transfer · Conventional Mortgage MOVEMENT MORTGAGE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 23, 2026 · Amount on Record
Deed Sale	Jul 23, 2026 · Amount on Record
Prior Sale	Oct 16, 2018 · Amount on Record
Deed Document Number	2026412136
Record Updated	Oct 29, 2026

July 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ORANGE FL
Recording Date	Jul 23, 2026
Property Address	400 S CUMBERLAND AVE, OCOEE, FL 34761-2625
Document Number	0000412136
Instrument Date	Jul 17, 2026
Instrument	2026412136
Transaction Type	Transfer
Record Updated	Sep 21, 2026
Title Company	SIMPLE TITLE, SIMPLIFILE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$346,430.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2016 TILLMAN AVE, WINTER GARDEN, FL 34787-5488

Mortgage

Document Number	0000412137,
Date	Jul 23, 2026
Instrument	2026412137

Lender

Name	WELLS FARGO

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Aug 1, 2041

Interest

Rate Type	Fixed Rate
Initial Type	Fixed Rate
Max Rate	-1%

October 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ORANGE FL
Recording Date	Oct 16, 2018
Property Address	400 S CUMBERLAND AVE, OCOEE, FL 34761-2625
Document Number	0000606182
Map Reference	MB 19 PG 61
Instrument Date	Oct 12, 2018
Instrument	20180606182
Transaction Type	Transfer
Record Updated	Jan 3, 2022
Title Company	FIRST AMERICAN TITLE INSURAN

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,715.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	16451 FORREST LN, 16451, GROVELAND, FL 34736-9264

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	400 S CUMBERLAND AVE, OCOEE, FL 34761-2625

Mortgage

Document Number	0000606183
Date	Oct 16, 2018
Instrument	20180606183

Lender

Name	MOVEMENT MORTGAGE
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2048

Tax Assessment & Valuation

Source: Orange County assessment roll, as of April 30, 2026

Property Jurisdictions

Type	Name
State	Florida
County	Orange County
Municipality	Ocoee City
Unified School District	Orange County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$345,512 (+6.73%) Land $89,462 Building $256,050	$345,512 (-1.37%) Land $89,462 Building $256,050
2025	$6,197.00 (+9.7%)	$323,731 (+4.22%)	$350,302 (+12.77%) Land $89,462 Building $260,840
2024	$5,649.00 (+8.97%)
2023	$5,184.00 (+9.83%)	$310,626 (+12.34%) Land $78,476 Building $232,150	$310,626 (+12.34%) Land $78,476 Building $232,150
2022	$4,720.00	$276,499 Land $78,476 Building $198,023	$276,499 Land $78,476 Building $198,023

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

Flood

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.

Wildfire

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.

Drinking Water

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

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 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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