408 S Cumberland Ave, Ocoee, FL 34761 Property Records

Orange County property record for 408 S Cumberland Ave, Ocoee, FL 34761

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,390 sqft · built 1988
Lot Size	0.297 acres (12,936 sqft)
Owner	Individual Name on File
Last Sale	$280,000 (May 2023)
Tax Bill	$5,300 (2025)
Deeds & Mortgages	May 2023 Sale & Mortgage Mar 2018 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`19-22-28-3553-00-130`

Property Details

APN / Parcel Number

Primary APN	`19-22-28-3553-00-130`
Alternative APNs	`282219355300130` `243804` `248650` `253218`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,390 sqft Living Area
Gross Area	2,198 sqft
1st Floor Area	1,390 sqft
Flooring	Wood
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	572 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Finished/Open Porch
Porch Area	456 sqft
Patio Area	770 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	408 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 13
Legal Range	28E
Legal Township	22S
Legal Section	19
Legal Subdivision	HIDDEN OAKS
Legal Tract	3553
Legal Lot Number	13
Jurisdiction	ORANGE FL
Township / Civil Division	WINTER GARDEN-OCOEE
Census Block Group	2
Census Block	2033
Census Tract	18100

Owner

408 S Cumberland Ave is owned and occupied by an individual who bought it in May 2023.

Source: Orange County records, as of April 30, 2026

Owner of Record	Individual Name on File
Mailing Address	408 S CUMBERLAND AVE, OCOEE, FL 34761-2625
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Single Man

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
May 2, 2023	Warranty Deed, Transfer · Conventional Mortgage TRUIST BANK
Mar 2, 2018	Deed of Trust, Mortgage · Conventional Mortgage SUNTRUST MORTGAGE INC
Aug 5, 2020	Deed of Trust, Mortgage · Conventional Mortgage TRUIST BK
Jul 8, 2020	Quit Claim Deed, Transfer NOT AVAILABLE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 2, 2023 · Amount on File
Deed Sale	May 2, 2023 · Amount on File
Prior Sale	May 19, 2015 · Amount on File
Deed Document Number	2023247707
Prior Transfer Date	Jun 23, 2020
Prior Transfer Doc	0000367239
Record Updated	Oct 29, 2026

May 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ORANGE FL
Recording Date	May 2, 2023
Property Address	408 S CUMBERLAND AVE, OCOEE, FL 34761-2625
Document Number	0000247707
Map Reference	MB 19 PG 61
Instrument Date	May 1, 2023
Instrument	20230247707
Transaction Type	Transfer
Record Updated	May 23, 2023
Title Company	CENTRAL FL TTL ORLANDO LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,960.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	30 AVENIDA LAGUNA, CAROLINA XX 979

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	408 S CUMBERLAND AVE, OCOEE, FL 34761-2625

Mortgage

Document Number	0000247708
Date	May 2, 2023
Instrument	20230247708

Lender

Name	TRUIST BANK
Type	Bank
Address	RICHMOND, VA 23224

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	May 1, 2053

March 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ORANGE FL
Property Address	408 S CUMBERLAND AVE, OCOEE, FL 34761-2625
Transaction Type	Mortgage
Record Updated	Aug 1, 2022
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000127535
Date	Mar 2, 2018
Instrument	20180127535

Lender

Name	SUNTRUST MORTGAGE INC
Type	Mortgage Company
Address	RICHMOND, VA 23224

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Mar 1, 2048

August 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ORANGE FL
Property Address	408 S CUMBERLAND AVE, OCOEE, FL 34761-2625
Document Number	0000423656
Instrument Date	Aug 5, 2020
Transaction Type	Mortgage
Record Updated	Aug 31, 2020
Title Company	TITLE SERVICE AND LIAISON COMPANIES, SIMPLIFILE LC E-RECORDING

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	408 S CUMBERLAND AVE OCOEE FL 347612625, OCOEE, FL 34761-2625

Mortgage

Document Number	0000423656
Date	Aug 11, 2020
Instrument	423656

Lender

Name	TRUIST BK
Address	RICHMOND, VA 23224

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Aug 10, 2050

July 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	ORANGE FL
Recording Date	Jul 8, 2020
Property Address	408 S CUMBERLAND AVE, OCOEE, FL 34761-2625
Document Number	0000367239
Instrument Date	Jun 24, 2020
Instrument	367239
Transaction Type	Transfer
Record Updated	Jul 30, 2020
Title Company	NOT AVAILABLE

Transaction

Tax	$0.00
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	408 S CUMBERLAND AVE OCOEE FL 347612625, OCOEE, FL 34761-2625

Tax Assessment & Valuation

The 2025 property tax bill for 408 S Cumberland Ave was $5,300, up 6.5% from the year before.

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		$316,965 (-0.97%) Land $73,735 Building $243,230	$316,965 (-1.55%) Land $73,735 Building $243,230
2025	$5,300.00 (+6.47%) Homeowner's exemption	$320,061	$321,955 Land $73,735 Building $248,220
2024	$4,978.00 (+80.49%)
2023	$2,758.00 (+3.57%) Homeowner's exemption	$176,327 (+3%)	$286,207 (+12.46%) Land $64,678 Building $221,529
2022	$2,663.00 Homeowner's exemption	$171,191	$254,489 Land $64,678 Building $189,811

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

Flood

FEMA maps place 408 S Cumberland Ave in Zone X, an area of minimal flood risk.

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

Wildfire risk around 408 S Cumberland Ave is low, with a 0.02% annual chance of wildfire.

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

Wildfire Risk	Low lower than 95% of the US · lower than 95% of Florida
Wildfire Likelihood	0.02% 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 107 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
Starlink Satellite	280 / 30
T-Mobile Fixed Wireless	100 / 20

May also be available: CenturyLink.

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