404 S Cumberland Ave, Ocoee, FL 34761 Property Records

Orange County property record for 404 S Cumberland Ave, Ocoee, FL 34761

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,590 sqft · built 1988
Lot Size	0.297 acres (12,936 sqft)
Owner	2 Individual Names on Record
Last Sale	$220,000 (Nov 2017)
Tax Bill	$3,275 (2025)
Deeds & Mortgages	Nov 2017 Sale & Mortgage Sep 2017 Sale
Flood Zone	Zone X (minimal risk)
APN	`19-22-28-3553-00-110`

Property Details

APN / Parcel Number

Primary APN	`19-22-28-3553-00-110`
Alternative APNs	`282219355300110` `243801` `248647` `253216`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,590 sqft Living Area
Gross Area	2,258 sqft
1st Floor Area	1,590 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1988
Effective Year Built	Effective 1995
Exterior Material	Concrete
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	12,936 sqft (0.297 acres)
Garage Type	Attached
Garage Area	491 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	177 sqft
Shed	1 Shed
Total Buildings	2 Buildings

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	404 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 11
Legal Range	28E
Legal Township	22S
Legal Section	19
Legal Subdivision	HIDDEN OAKS
Legal Tract	3553
Legal Lot Number	11
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 May 4, 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	404 S CUMBERLAND AVE, OCOEE, FL 34761-2625
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants with Right of Survivorship

Deeds, Mortgages & Sale History

Date	Document
Nov 16, 2017	Warranty Deed, Transfer · Conventional Mortgage AXIA FINANCIAL LLC
Sep 7, 2017	Warranty Deed, Transfer TREASURE TITLE INSURANCE AGENCY INC, TREASURE TITLE INS AGCY INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 16, 2017 · Amount on Record
Deed Sale	Nov 16, 2017 · Amount on Record
Prior Sale	Sep 7, 2017 · Amount on Record
Deed Document Number	2017627741
Prior Transfer Date	Mar 31, 2014
Prior Transfer Doc	0000183456
Record Updated	Jun 8, 2026

November 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ORANGE FL
Recording Date	Nov 16, 2017
Property Address	404 S CUMBERLAND AVE, OCOEE, FL 34761-2625
Document Number	0000627741
Map Reference	MB 19 PG 61
Instrument Date	Nov 14, 2017
Instrument	20170627741
Transaction Type	Transfer
Record Updated	Jan 3, 2022
Title Company	TREASURE TITLE INSURANCE AGE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,540.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	PO BOX 607356, ORLANDO, FL 32860-7356

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	404 S CUMBERLAND AVE, OCOEE, FL 34761-2625

Mortgage

Document Number	0000627742
Date	Nov 16, 2017
Instrument	20170627742

Lender

Name	AXIA FINANCIAL LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2047

September 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ORANGE FL
Recording Date	Sep 7, 2017
Property Address	404 S CUMBERLAND AVE, OCOEE, FL 34761-2625
Document Number	0000496377
Instrument Date	Sep 6, 2017
Instrument	496377
Transaction Type	Transfer
Record Updated	Sep 26, 2017
Title Company	TREASURE TITLE INSURANCE AGENCY INC, TREASURE TITLE INS AGCY INC

Transaction

Amount	Amount Recorded
Tax	$1,120.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	PO BOX 607356 ORLANDO FL 328607356, ORLANDO, FL 32860-7356

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		$206,950 (+2.7%)	$306,895 (-1.32%) Land $73,735 Building $233,160
2025	$3,275.00 (+8.95%) Homeowner's exemption Widower's exemption	$201,509 (+5.99%)	$311,015 (+13.55%) Land $73,735 Building $237,280
2024	$3,006.00 (+3.58%)
2023	$2,902.00 (+0.94%) Homeowner's exemption Widower's exemption	$190,126 (+3%)	$273,910 (+13.84%) Land $64,678 Building $209,232
2022	$2,875.00 Homeowner's exemption Widower's exemption	$184,588	$240,620 Land $64,678 Building $175,942

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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