Orange County property record for 4132 Cummings St, Orlando, FL 32828
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3.5 ba · 2,357 sqft · built 2004 |
| Lot Size | 0.147 acres (6,398 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $222,400 (Jul 2004) |
| Tax Bill | $3,082 (2025) |
| Deeds & Mortgages | Nov 2023 Line of Credit Nov 2021 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 07-23-32-1035-01-177 |
| Primary APN | 07-23-32-1035-01-177 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3.5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 2,357 sqft Living Area |
| Gross Area | 3,674 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 | 6,398 sqft (0.147 acres) |
| Garage Type | Attached |
| Garage Area | 567 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Finished/Open Porch |
| Porch Area | 550 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Electric |
| Street Address | 4132 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 177 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 | 177 |
| Jurisdiction | ORANGE FL |
| Township / Civil Division | UNION PARK |
| Census Block Group | 2 |
| Census Block | 2015 |
| Census Tract | 16731 |
Source: Orange County records, as of April 30, 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 | 4132 CUMMINGS ST, ORLANDO, FL 32828-4888 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Nov 20, 2023 | Deed of Trust, Mortgage · Line of Credit ADDITION FINANCIAL CU |
| Nov 1, 2021 | Deed of Trust, Mortgage · Conventional Mortgage WELLS FARGO BANK NA |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jul 8, 2004 · Amount on Record |
| Deed Sale | Jul 8, 2004 · Amount on Record |
| Deed Document Number | 2004431060 |
| Deed Book / Page | 7516 / 3358 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ORANGE FL |
| Property Address | 4132 CUMMINGS ST, ORLANDO, FL 32828-4888 |
| Transaction Type | Mortgage |
| Record Updated | Dec 12, 2023 |
| Title Company | PRIMERA TITLE LLC |
| Name | Verified Name |
|---|---|
| Address | 4132 CUMMINGS ST, ORLANDO, FL 32828-4888 |
| Document Number | 0000670519 |
|---|---|
| Date | Nov 20, 2023 |
| Instrument | 20230670519 |
| Name | ADDITION FINANCIAL CU |
|---|---|
| Type | Credit Union |
| Address | LAKE MARY, FL 32746 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 420 Months |
| Due | Nov 19, 2058 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ORANGE FL |
| Property Address | 4132 CUMMINGS ST, ORLANDO, FL 32828-4888 |
| Transaction Type | Mortgage |
| Record Updated | Nov 18, 2021 |
| Name | Verified Name |
|---|---|
| Address | 4132 CUMMINGS ST, ORLANDO, FL 32828-4888 |
| Document Number | 20210669473 |
|---|---|
| Date | Nov 1, 2021 |
| Instrument | 20210669473 |
| Name | WELLS FARGO BANK NA |
|---|---|
| Type | Bank |
| Address | SIOUX FALLS, SD 57104 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 180 Months |
| Due | Nov 1, 2036 |
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 | $206,369 (+2.7%) | $463,890 (-1.37%) Land $70,000 Building $393,890 | |
| 2025 | $3,082.00 (+6.24%) Homeowner's exemption | $200,944 (+5.99%) | $470,350 (+11.23%) Land $70,000 Building $400,350 |
| 2024 | $2,901.00 (+7.76%) | ||
| 2023 | $2,692.00 (+4.14%) Homeowner's exemption | $189,593 (+3%) | $422,867 (+15.36%) Land $70,000 Building $352,867 |
| 2022 | $2,585.00 Homeowner's exemption | $184,071 | $366,558 Land $70,000 Building $296,558 |
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 |
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