407 S Cumberland Ave, Ocoee, FL 34761 Property Records

Orange County property record for 407 S Cumberland Ave, Ocoee, FL 34761

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,026 sqft · built 1987
Lot Size	0.267 acres (11,633 sqft)
Owner	Individual Name on Record
Last Sale	$475,000 (Jun 2024)
Tax Bill	$6,068 (2025)
Deeds & Mortgages	Apr 2022 Line of Credit Apr 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`19-22-28-3553-00-050`

Property Details

APN / Parcel Number

Primary APN	`19-22-28-3553-00-050`
Alternative APNs	`282219355300050` `243794` `248640` `253209`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	2,026 sqft Living Area
Gross Area	2,684 sqft
1st Floor Area	2,026 sqft
Flooring	Wood
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1987
Effective Year Built	Effective 1995
Exterior Material	Concrete/Cinder Block
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	11,633 sqft (0.267 acres)
Garage Type	Attached
Garage Area	480 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	110 sqft
Patio Area	288 sqft
Storage Building	144 sqft
Total Buildings	2 Buildings

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	407 S CUMBERLAND AVE
City	OCOEE
State	FL
Zip	34761-2626
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1AA
Legal Description	HIDDEN OAKS SUB 19/61 LOT 5
Legal Range	28E
Legal Township	22S
Legal Section	19
Legal Subdivision	HIDDEN OAKS
Legal Tract	3553
Legal Lot Number	5
Jurisdiction	ORANGE FL
Township / Civil Division	WINTER GARDEN-OCOEE
Census Block Group	2
Census Block	2038
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	474 BRIDGE CREEK BLVD, OCOEE, FL 34761-4716
Owner Type	Individual
Vesting	Single

Deeds, Mortgages & Sale History

Date	Document
Apr 28, 2022	Deed of Trust, Mortgage · Line of Credit REGIONS BANK
Apr 24, 2020	Deed of Trust, Mortgage · Conventional Mortgage FAIRWINDS CU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 11, 2024 · Amount on Record
Deed Sale	Jun 11, 2024 · Amount on Record
Prior Sale	Aug 9, 2016 · Amount on Record
Deed Document Number	2024335995
Record Updated	Oct 29, 2026

April 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ORANGE FL
Property Address	407 S CUMBERLAND AVE, OCOEE, FL 34761-2626
Transaction Type	Mortgage
Record Updated	Aug 1, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	407 S CUMBERLAND AVE, OCOEE, FL 34761-2626

Mortgage

Document Number	0000275587
Date	Apr 28, 2022
Instrument	20220275587

Lender

Name	REGIONS BANK
Type	Bank
Address	BIRMINGHAM, AL 35244

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	361 Months
Due	May 6, 2052

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

April 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ORANGE FL
Property Address	407 S CUMBERLAND AVE, OCOEE, FL 34761-2626
Document Number	0000262493
Instrument Date	Apr 24, 2020
Transaction Type	Mortgage
Record Updated	May 18, 2020
Title Company	TITLE SERVICE AND LIAISON COMPANIES, SIMPLIFILE LC E-RECORDING

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	407 S CUMBERLAND AVE OCOEE FL 347612626, OCOEE, FL 34761-2626

Mortgage

Document Number	0000262493
Date	May 1, 2020
Instrument	262493

Lender

Name	FAIRWINDS CU
Address	ORLANDO, FL 32826

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Apr 30, 2035

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		$361,858 (-1.38%) Land $66,308 Building $295,550	$361,858 (-1.38%) Land $66,308 Building $295,550
2025	$6,068.00 (+68.32%) Homeowner's exemption	$366,938 (+66.26%) Land $66,308 Building $300,630	$366,938 (+13.19%) Land $66,308 Building $300,630
2024	$3,605.00 (+3.47%)
2023	$3,484.00 (+39.14%) Homeowner's exemption	$220,704 (+36.68%)	$324,193 (+36.16%) Land $58,166 Building $266,027
2022	$2,504.00 Homeowner's exemption	$161,474	$238,102 Land $58,166 Building $179,936

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

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 64% of the US · lower than 90% of Florida
Wildfire Likelihood	0.04% annual chance
Exposure	Direct burnable vegetation

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 87 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
Starlink Satellite	280 / 30
T-Mobile Fixed Wireless	100 / 20

May also be available: AT&T.

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