Orange County property record for 4126 Cummings St, Orlando, FL 32828
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3.5 ba · 2,654 sqft · built 2004 |
| Lot Size | 0.175 acres (7,615 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $349,900 (May 2016) |
| Tax Bill | $5,718 (2025) |
| Deeds & Mortgages | Jan 2023 Mortgage Oct 2020 Loan Modification + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 07-23-32-1035-01-176 |
| Primary APN | 07-23-32-1035-01-176 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3.5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 2,654 sqft Living Area |
| Gross Area | 4,101 sqft |
| 1st Floor Area | 1,223 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2004 |
|---|---|
| Effective Year Built | Effective 2004 |
| Exterior Material | Concrete Block |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 7,615 sqft (0.175 acres) |
| Garage Type | Attached |
| Garage Area | 567 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Slab |
| Porch Area | 550 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Electric |
| Street Address | 4126 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 176 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 | 176 |
| Jurisdiction | ORANGE FL |
| Township / Civil Division | UNION PARK |
| Census Block Group | 2 |
| Census Block | 2015 |
| Census Tract | 16731 |
Source: Orange County records, as of July 20, 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 | 4126 CUMMINGS ST, ORLANDO, FL 32828-4888 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jan 11, 2023 | Deed of Trust, Mortgage · SBA Mortgage UNITED STATES SMALL BUSINESS ADMIN |
| Oct 5, 2020 | Loan Modification, Mortgage · VA Mortgage VETERANS UNITED HM LNS |
| Jun 22, 2018 | Loan Modification, Mortgage · Conventional with PMI VETERANS UNITED HM LNS |
| May 3, 2018 | Loan Modification, Mortgage · Conventional with PMI VETERANS UNITED HM LNS |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | May 10, 2016 · Amount on Record |
| Deed Sale | May 10, 2016 · Amount on Record |
| Prior Sale | Jun 18, 2014 · Amount on Record |
| Deed Document Number | 2016237329 |
| Prior Transfer Date | May 9, 2016 |
| Prior Transfer Doc | 0000237329 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ORANGE FL |
| Property Address | 4126 CUMMINGS ST, ORLANDO, FL 32828-4888 |
| Transaction Type | Mortgage |
| Record Updated | Jan 27, 2023 |
| Name | Verified Name |
|---|---|
| Address | 4126 CUMMINGS ST, ORLANDO, FL 32828-4888 |
| Document Number | 0000018368 |
|---|---|
| Date | Jan 11, 2023 |
| Instrument | 20230018368 |
| Name | UNITED STATES SMALL BUSINESS ADMIN |
|---|---|
| Type | Government Agency |
| Address | BIRMINGHAM, AL 35203 |
| Type | SBA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 359 Months |
| Due | Dec 11, 2052 |
| Document Type | Loan Modification |
|---|---|
| Jurisdiction | ORANGE FL |
| Property Address | 4126 CUMMINGS ST, ORLANDO, FL 32828-4888 |
| Document Number | 0000623887 |
| Instrument Date | Oct 5, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Dec 17, 2020 |
| Title Company | TITLE SERVICE AND LIAISON COMPANIES, SIMPLIFILE LC E-RECORDING |
| Name | Verified Name |
|---|---|
| Address | 4126 CUMMINGS ST ORLANDO FL 328284888, ORLANDO, FL 32828-4888 |
| Document Number | 0000623887 |
|---|---|
| Date | Dec 1, 2020 |
| Instrument | 623887 |
| Name | VETERANS UNITED HM LNS |
|---|---|
| Type | Funding / Finance Company |
| Address | COLUMBIA, MO 65203 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Nov 30, 2050 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 2.75% |
| Document Type | Loan Modification |
|---|---|
| Jurisdiction | ORANGE FL |
| Property Address | 4126 CUMMINGS ST, ORLANDO, FL 32828-4888 |
| Document Number | 0000500951 |
| Instrument Date | Jun 22, 2018 |
| Transaction Type | Mortgage |
| Record Updated | Sep 10, 2018 |
| Title Company | ATTORNEY ONLY |
| Name | Verified Name |
|---|---|
| Address | 4126 CUMMINGS ST ORLANDO FL 328284888, ORLANDO, FL 32828-4888 |
| Document Number | 0000500951 |
|---|---|
| Date | Aug 22, 2018 |
| Instrument | 500951 |
| Name | VETERANS UNITED HM LNS |
|---|---|
| Type | Funding / Finance Company |
| Address | EWING, NJ 08618 |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Aug 21, 2048 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 3.75% |
| Document Type | Loan Modification |
|---|---|
| Jurisdiction | ORANGE FL |
| Property Address | 4126 CUMMINGS ST, ORLANDO, FL 32828-4888 |
| Document Number | 0000337595 |
| Instrument Date | May 3, 2018 |
| Transaction Type | Mortgage |
| Record Updated | Jul 2, 2018 |
| Title Company | SERVICELINK |
| Name | Verified Name |
|---|---|
| Address | 4126 CUMMINGS ST ORLANDO FL 328284888, ORLANDO, FL 32828-4888 |
| Document Number | 0000337595 |
|---|---|
| Date | Jun 8, 2018 |
| Instrument | 337595 |
| Name | VETERANS UNITED HM LNS |
|---|---|
| Type | Funding / Finance Company |
| Address | FLINT, MI 48501-2026 |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jun 7, 2048 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 3.75% |
Source: Orange County assessment roll, as of April 30, 2026
| Type | Name |
|---|---|
| State | Florida |
| County | Orange County |
| Unified School District | Orange County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $379,757 (+2.7%) | $525,900 (-1.53%) Land $70,000 Building $455,900 | |
| 2025 | $5,718.00 (+3.18%) Homeowner's exemption | $369,773 (+5.99%) | $534,070 (+12.78%) Land $70,000 Building $464,070 |
| 2024 | $5,542.00 (+7.53%) | ||
| 2023 | $5,154.00 (+3.39%) Homeowner's exemption | $348,885 (+3%) | $473,562 (+14.71%) Land $70,000 Building $403,562 |
| 2022 | $4,985.00 Homeowner's exemption | $338,723 | $412,847 Land $70,000 Building $342,847 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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.
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.
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 |
| 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.
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 |
Search by:
By searching, you agree to: Terms • Privacy • Disclosures