4120 Cummings St, Orlando, FL 32828 Property Records

Orange County property record for 4120 Cummings St, Orlando, FL 32828

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,639 sqft · built 2004
Lot Size	0.18 acres (7,856 sqft)
Owner	2 Individual Names on Record
Last Sale	$327,000 (May 2016)
Tax Bill	$5,703 (2025)
Deeds & Mortgages	Jun 2021 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`07-23-32-1035-01-175`

Property Details

APN / Parcel Number

Primary APN	`07-23-32-1035-01-175`
Alternative APNs	`322307103501175` `677567` `685318` `691266`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,639 sqft Living Area
Gross Area	3,648 sqft
1st Floor Area	1,939 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2004
Effective Year Built	Effective 2004
Exterior Material	Concrete Block
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	7,856 sqft (0.18 acres)
Garage Type	Attached
Garage Area	504 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	381 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	4120 CUMMINGS ST
City	ORLANDO
State	FL
Zip	32828-4888
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	P-D
Legal Description	AVALON PARK SOUTH PHASE 1 52/113 LOT 175 BLK A
Legal Range	32E
Legal Township	23S
Legal Section	07
Legal Subdivision	AVALON PARK SOUTH PH 1
Legal Phase	1
Legal Tract	1035
Legal Block	A
Legal Lot Number	175
Jurisdiction	ORANGE FL
Township / Civil Division	UNION PARK
Census Block Group	2
Census Block	2015
Census Tract	16731

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	4120 CUMMINGS ST, ORLANDO, FL 32828-4888
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 3, 2016 · Amount on Record
Deed Sale	May 3, 2016 · Amount on Record
Prior Sale	Jun 16, 2004 · Amount on Record
Deed Document Number	2016221520
Last Transfer Date	Jun 2, 2021
Transfer Doc	20210347583
Record Updated	Sep 20, 2026

June 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	ORANGE FL
Recording Date	Jun 10, 2021
Property Address	4120 CUMMINGS ST, ORLANDO, FL 32828-4888
Document Number	20210347583
Map Reference	MB 52 PG 113-124
Instrument Date	Jun 2, 2021
Instrument	20210347583
Transaction Type	Transfer
Record Updated	Jun 28, 2021
Title Company	FIDELITY NATIONAL TITLE, FIDELITY NATL TTL OF FL INC

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4120 CUMMINGS ST, ORLANDO, FL 32828-4888

Mortgage

Document Number	20210347584
Date	Jun 10, 2021
Instrument	20210347584

Lender

Name	HOME1ST LENDING LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2051

Tax Assessment & Valuation

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$373,689 (+2.7%)	$508,060 (-1.53%) Land $70,000 Building $438,060
2025	$5,703.00 (+4.64%) Homeowner's exemption	$363,865 (+5.99%)	$515,930 (+10.78%) Land $70,000 Building $445,930
2024	$5,450.00 (+7.54%)
2023	$5,068.00 (+3.41%) Homeowner's exemption	$343,311 (+3%)	$465,710 (+14.63%) Land $70,000 Building $395,710
2022	$4,901.00 Homeowner's exemption	$333,312	$406,259 Land $70,000 Building $336,259

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
Flood Insurance Cost	Premium on Record median of 26 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	26 in force
Nearby Flood Claims	2 (2022)
Claims Outside the SFHA	2 of 2
Most Recent Claim	Sep 2022 · Hurricane Ian

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	High above 75% of the US · above 61% of Florida
Wildfire Likelihood	0.4% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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	OCUD/SOUTHERN WATER SYS (5 WPS) serves 80,738 people · EPA ID FL3484119
Water Source	Groundwater
Last State Inspection	May 2024
Lead	2 ppb (2025) 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 277 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35
AT&T Fiber	1,000 / 1,000
Spectrum Cable	1,000 / 50
T-Mobile Fixed Wireless	100 / 20