Florida Files

School Board, Bradford County — District 1

Sheila Cummings

2025 Form 6 · annual filing (Commission on Ethics) · received 2026-06-07 · 4 pages (text)

Net worth$425,000
Income listed$107,237
Real estate$293,5002 properties
Debts listed$0
Worth a look0

Where listed income comes from

  • Insurance 70% $74,545 · NATIONWIDE INSURANCE
  • Government & public payroll 30% $32,692 · BRADFORD COUNTY SCHOOL

Worth a look 0

Nothing stood out under the current rules.

Context 4

Context Unusual reporting

“RETIREMENT” ($415,000) doesn't name the institution

Intangible assets should name the entity they relate to.

What to check
  • Which bank, company or fund is this?

Rule: Asset without a named institution
“Do not list simply "stocks and bonds" or "bank accounts."”2025 Form 6 instructions, Assets ✓ quoted from the saved instructions · how this rule works

Context Unusual reporting

“BANK ACCOUNTS” ($42,000) doesn't name the institution

Intangible assets should name the entity they relate to.

What to check
  • Which bank, company or fund is this?

Rule: Asset without a named institution
“Do not list simply "stocks and bonds" or "bank accounts."”2025 Form 6 instructions, Assets ✓ quoted from the saved instructions · how this rule works

Context Unusual reporting

Net worth $425,000; listed items add up to $931,637

Reported net worth: $425,000. Household goods + listed assets − listed liabilities = $931,637. A difference is normal: net worth also counts assets and debts that aren't listed individually (items under $1,000, credit cards, taxes), and the instructions say subtracting listed liabilities from listed assets won't give an accurate figure in most cases.

What to check
  • No action needed unless other items look off.

Rule: Net worth vs. listed items
“Simply subtracting your liabilities from your assets will not result in an accurate net worth figure in most cases.”2025 Form 6 instructions, Net Worth ✓ quoted from the saved instructions · how this rule works

Context Income & business ties

70% of listed income ($74,545) comes from NATIONWIDE INSURANCE

Listed income totals $107,237 from 2 sources. The largest is classed as insurance.

What to check
  • Who is this source, and does it have business before the office sought?
  • If the filer owns it, check the business section and secondary income.

Rule: Where the money comes from
“List the name of each source of income that provided you with more than $1,000 of income during”2025 Form 6 instructions, Income ✓ quoted from the saved instructions · how this rule works

Where to look next

These links open official public records, built from what the filer disclosed. They're searches you run yourself — results may include other people or companies with similar names.

Their filings

Their campaign

Other filings by Sheila Cummings

FilingReceivedNet worthItems
2024 Form 6 — annual (Commission on Ethics)2025-06-28$395,000

Net worth

Net worth
As of
Household goods (lump sum)

Assets over $1,000 $806,637 listed

DescriptionValue

Liabilities over $1,000 $0 listed

Reported as “N/A”.

Joint and several liabilities not reported above

Reported as “N/A”.

Income $107,237 listed

Elected to attach federal tax return instead:

Primary sources

SourceAddressAmount

Secondary sources (major customers of businesses owned)

Reported as “N/A”.

Interests in specified businesses

Reported as “N/A”.

Signature

Signed by
Date
Filed with COE

Source

Document
Open PDF · original source
Retrieved
2026-10-07T20:08:01+00:00
SHA-256
476d726762d892e6d7e6befbab84e9b8f6d971351914b270b4b15e966bf70651
Pages
p1 form6 · p2 form6 · p3 form6 · p4 form6
Extraction
parser v0.5.2; 0 value(s) below 80% confidence