Orange County property record for 4145 Cummings St, Orlando, FL 32828
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2 ba · 2,173 sqft · built 2005 |
| Lot Size | 0.139 acres (6,050 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $333,000 (Sep 2020) |
| Tax Bill | $5,307 (2025) |
| Deeds & Mortgages | Mar 2022 Mortgage Sep 2020 Sale & Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 07-23-32-1035-01-171 |
| Primary APN | 07-23-32-1035-01-171 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 2 Stories |
| Building Area | 2,173 sqft Living Area |
| Gross Area | 3,122 sqft |
| 1st Floor Area | 1,746 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2005 |
|---|---|
| Effective Year Built | Effective 2005 |
| Exterior Material | Concrete Block |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 6,050 sqft (0.139 acres) |
| Garage Type | Attached |
| Garage Area | 550 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Slab |
| Porch Area | 324 sqft |
| Total Buildings | 2 Buildings |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Electric |
| Street Address | 4145 CUMMINGS ST |
|---|---|
| City | ORLANDO |
| State | FL |
| Zip | 32828-4889 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | P-D |
| Legal Description | AVALON PARK SOUTH PHASE 1 52/113 LOT 171 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 | 171 |
| Jurisdiction | ORANGE FL |
| Township / Civil Division | UNION PARK |
| Census Block Group | 2 |
| Census Block | 2007 |
| Census Tract | 16731 |
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 | 4145 CUMMINGS ST, ORLANDO, FL 32828-4889 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Mar 31, 2022 | Deed of Trust, Mortgage · Conventional Mortgage MIDFLORIDA CU |
| Sep 21, 2020 | Warranty Deed, Transfer · Conventional with PMI MIDFLORIDA CU ISAOA |
| May 3, 2019 | Warranty Deed, Transfer FIDELITY NATIONAL TITLE, FIDELITY NAT'L TITLE/FL INC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Sep 21, 2020 · Amount on Record |
| Deed Sale | Sep 21, 2020 · Amount on Record |
| Prior Sale | May 3, 2019 · Amount on Record |
| Deed Document Number | 2020490775 |
| Prior Transfer Date | Apr 14, 2011 |
| Prior Transfer Doc | 0000313109 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ORANGE FL |
| Property Address | 4145 CUMMINGS ST, ORLANDO, FL 32828-4889 |
| Transaction Type | Mortgage |
| Record Updated | Apr 18, 2022 |
| Name | Verified Name |
|---|---|
| Address | 4145 CUMMINGS ST, ALAFAYA, FL 32828-4889 |
| Document Number | 0000207152 |
|---|---|
| Date | Mar 31, 2022 |
| Instrument | 20220207152 |
| Name | MIDFLORIDA CU |
|---|---|
| Type | Credit Union |
| Address | LAKELAND, FL 33802 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Apr 1, 2052 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 2.87% |
| Type Change Date | Apr 1, 2032 |
| Change Frequency | Annually |
| Min Rate At Change | 2.75% |
| Max Rate At Change | 4.87% |
| Index | 1-Year CMT |
| Max Rate | 6.87% |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ORANGE FL |
| Recording Date | Sep 21, 2020 |
| Property Address | 4145 CUMMINGS ST, ORLANDO, FL 32828-4889 |
| Document Number | 0000490775 |
| Instrument Date | Sep 4, 2020 |
| Instrument | 490775 |
| Transaction Type | Transfer |
| Record Updated | Oct 9, 2020 |
| Title Company | EQUITABLE TITLE/SEMINOLE COUNTY, EQUITABLE TITLE/SEMINOLE CNTY |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,331.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 4145 CUMMINGS ST ORLANDO FL 328284889, ORLANDO, FL 32828-4889 |
| Document Number | 490776 |
|---|---|
| Date | Sep 21, 2020 |
| Instrument | 490776 |
| Name | MIDFLORIDA CU ISAOA |
|---|---|
| Type | Credit Union |
| Address | LAKELAND, FL 33802-8008 |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Sep 20, 2050 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ORANGE FL |
| Recording Date | May 3, 2019 |
| Property Address | 4145 CUMMINGS ST, ORLANDO, FL 32828-4889 |
| Document Number | 0000276228 |
| Instrument Date | Apr 29, 2019 |
| Instrument | 276228 |
| Transaction Type | Transfer |
| Record Updated | May 22, 2019 |
| Title Company | FIDELITY NATIONAL TITLE, FIDELITY NAT'L TITLE/FL INC |
| Amount | Amount Recorded |
|---|---|
| Tax | $2,205.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 4145 CUMMINGS ST ORLANDO FL 328284889, ORLANDO, FL 32828-4889 |
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 | $348,422 (+2.7%) | $435,770 (-1.34%) Land $70,000 Building $365,770 | |
| 2025 | $5,307.00 (+4.78%) Homeowner's exemption | $339,262 (+5.99%) | $441,700 (+11.08%) Land $70,000 Building $371,700 |
| 2024 | $5,065.00 (+7.56%) | ||
| 2023 | $4,709.00 (+3.47%) Homeowner's exemption | $320,098 (+3%) | $397,629 (+15.08%) Land $70,000 Building $327,629 |
| 2022 | $4,551.00 Homeowner's exemption | $310,775 | $345,509 Land $70,000 Building $275,509 |
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 83% of the US · above 74% of Florida |
|---|---|
| Wildfire Likelihood | 0.7% 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 104 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 1,200 / 35 |
| AT&T Fiber · Fixed Wireless in parts of the area | 1,000 / 1,000 |
| Spectrum Cable | 1,000 / 35 |
| T-Mobile Fixed Wireless | 100 / 20 |
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