4230 Cummings St, Orlando, FL 32828 Property Records

Orange County property record for 4230 Cummings St, Orlando, FL 32828

Property Summary

Property Type	Single Family Home
Details	4 bd · 3.5 ba · 2,384 sqft · built 2005
Lot Size	0.133 acres (5,772 sqft)
Owner	2 Individual Names on File
Last Sale	$221,600 (May 2005)
Tax Bill	$3,203 (2025)
Deeds & Mortgages	Aug 2022 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`07-23-32-1035-01-186`

Property Details

APN / Parcel Number

Primary APN	`07-23-32-1035-01-186`
Alternative APNs	`322307103501186` `677580` `685331` `691281`

Interior

Bedrooms	4 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,384 sqft Living Area
Gross Area	3,691 sqft
1st Floor Area	1,244 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2005
Effective Year Built	Effective 2005
Exterior Material	Concrete Block
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	5,772 sqft (0.133 acres)
Garage Type	Attached
Garage Area	546 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	560 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	4230 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 186 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	186
Jurisdiction	ORANGE FL
Township / Civil Division	UNION PARK
Census Block Group	2
Census Block	2015
Census Tract	16731

Owner

4230 Cummings St is owned and occupied by two individuals who bought it in May 2005.

Source: Orange County records, as of May 4, 2026

Owner of Record	2 Individual Names on File
Mailing Address	4230 CUMMINGS ST, ORLANDO, FL 32828-4888
Occupancy	Owner Occupied
Owner Type	Individual

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

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 23, 2005 · Amount on File
Deed Sale	May 23, 2005 · Amount on File
Deed Document Number	2005342086
Deed Book / Page	7980 / 751
Record Updated	Jun 8, 2026

August 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ORANGE FL
Property Address	4230 CUMMINGS ST, ORLANDO, FL 32828-4888
Transaction Type	Mortgage
Record Updated	Sep 15, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4230 CUMMINGS ST, ORLANDO, FL 32828-4888

Mortgage

Document Number	0000533623
Date	Aug 31, 2022
Instrument	20220533623

Lender

Name	FIFTH THIRD BANK NA
Type	Bank
Address	CINCINNATI, OH 45263

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	359 Months
Due	Jul 25, 2052

Tax Assessment & Valuation

The 2025 property tax bill for 4230 Cummings St was $3,203, up 6.1% from the year before.

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		$214,058 (+2.7%)	$472,390 (-1.37%) Land $70,000 Building $402,390
2025	$3,203.00 (+6.13%) Homeowner's exemption	$208,430	$478,950 Land $70,000 Building $408,950
2024	$3,018.00 (+7.75%)
2023	$2,801.00 (+4.09%) Homeowner's exemption	$196,656 (+3%)	$430,137 (+15.47%) Land $70,000 Building $360,137
2022	$2,691.00 Homeowner's exemption	$190,928	$372,495 Land $70,000 Building $302,495

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

Flood

FEMA maps place 4230 Cummings St in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File 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

Wildfire risk around 4230 Cummings St is high, ranking above 83% of the US, with a 0.7% annual chance of wildfire.

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.

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 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