1223 Harding St, Winter Park, FL 32789 Property Records

Orange County property record for 1223 Harding St, Winter Park, FL 32789

Property Summary

Property Type	Single Family Home
Details	4 bd · 5.5 ba · 3,019 sqft · built 1989
Lot Size	0.285 acres (12,426 sqft)
Owner	2 Individual Names on File
Last Sale	$2,600,000 (Dec 2022)
Tax Bill	$34,874 (2025)
Deeds & Mortgages	Dec 2022 Sale & Mortgage Dec 2021 Sale & Mortgage + 4 more
Flood Zone	Zone X (minimal risk)
APN	`31-21-30-4220-04-200`

Property Details

APN / Parcel Number

Primary APN	`31-21-30-4220-04-200`
Alternative APNs	`302131422004200` `466581` `472234` `476802`

Interior

Bedrooms	4 Beds
Full Baths	5.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	3,019 sqft Living Area
Gross Area	4,257 sqft
1st Floor Area	2,495 sqft
Utility Area	28 sqft
Flooring	Wood
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1989
Effective Year Built	Effective 2009
Exterior Material	Concrete Block
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	12,426 sqft (0.285 acres)
Garage Type	Detached
Garage Area	432 sqft
Parking Spaces	2 Parking Spaces
Porch	Finished/Open Porch
Porch Area	686 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	1223 HARDING ST
City	WINTER PARK
State	FL
Zip	32789-2651
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1AA
Legal Description	J KRONENBERGER SUB G/56 LOT 20 & E 1/2 OF 21 BLK D
Legal Range	30E
Legal Township	21S
Legal Section	31
Legal Subdivision	KRONENBERGER J SUB
Legal Tract	4220
Legal Block	D
Legal Lot Number	20
Jurisdiction	ORANGE FL
Township / Civil Division	ORLANDO
Census Block Group	2
Census Block	2005
Census Tract	15802

Owner

1223 Harding St is owned and occupied by two individuals who bought it in December 2022.

Source: Orange County records, as of April 30, 2026

Owner of Record	2 Individual Names on File
Mailing Address	1223 HARDING ST, WINTER PARK, FL 32789-2651
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

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

Date	Document
Dec 9, 2022	Warranty Deed, Transfer · Conventional Mortgage GOLD STAR MORTGAGE FINANCIAL GROUP
Dec 3, 2021	Warranty Deed, Transfer · Conventional Mortgage MORTGAGE INVESTORS GROUP INC
Jul 29, 2019	Warranty Deed, Transfer TITLE SERVICE AND LIAISON COMPANIES, SIMPLIFILE LC E-RECORDING
Sep 1, 2017	Deed of Trust, Mortgage FIRST COLONY BK/FL
Aug 28, 2017	Trustee's Deed, Construction Loan · Construction Mortgage MICHAEL O'SHAUGHNESSY
Aug 15, 2017	Deed of Trust, Mortgage · Conventional Mortgage ANDY SWANSON

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 9, 2022 · Amount on File
Deed Sale	Dec 9, 2022 · Amount on File
Prior Sale	Dec 3, 2021 · Amount on File
Deed Document Number	2022739711
Record Updated	Oct 29, 2026

December 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ORANGE FL
Recording Date	Dec 9, 2022
Property Address	1223 HARDING ST, WINTER PARK, FL 32789-2651
Document Number	0000739711
Map Reference	MB G PG 56
Instrument Date	Dec 8, 2022
Instrument	20220739711
Transaction Type	Transfer
Record Updated	Dec 26, 2022
Title Company	THE CLOSING BOUTIQUE LLC, THE CLOSING AGENT LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$18,200.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	200 CONGRESS AVE # AVE33BB, AVE33BB, AUSTIN, TX 78701-4527

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1223 HARDING ST, WINTER PARK, FL 32789-2651

Mortgage

Document Number	0000739712
Date	Dec 9, 2022
Instrument	20220739712

Lender

Name	GOLD STAR MORTGAGE FINANCIAL GROUP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jan 1, 2053

December 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ORANGE FL
Recording Date	Dec 3, 2021
Property Address	1223 HARDING ST, WINTER PARK, FL 32789-2651
Document Number	0000738275
Map Reference	MB G PG 56
Instrument Date	Nov 29, 2021
Instrument	20210738275
Transaction Type	Transfer
Record Updated	Dec 23, 2021
Title Company	THE CLOSING BOUTIQUE LLC, THE CLOSING AGENT LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$13,475.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3365 WONDER VIEW DR, 3365, LOS ANGELES, CA 90068-1533

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1223 HARDING ST, WINTER PARK, FL 32789-2651

Mortgage

Document Number	0000738276
Date	Dec 3, 2021
Instrument	20210738276

Lender

Name	MORTGAGE INVESTORS GROUP INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Dec 1, 2051

July 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ORANGE FL
Recording Date	Jul 29, 2019
Property Address	1223 HARDING ST, WINTER PARK, FL 32789-2651
Document Number	0000463140
Instrument Date	Jul 22, 2019
Instrument	463140
Transaction Type	Transfer
Record Updated	Aug 19, 2019
Title Company	TITLE SERVICE AND LIAISON COMPANIES, SIMPLIFILE LC E-RECORDING

Transaction

Amount	Amount on Record
Tax	$9,310.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Personal Trust
Address	1223 HARDING ST WINTER PARK FL 327892651, WINTER PARK, FL 32789-2651

September 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ORANGE FL
Property Address	1223 HARDING ST, WINTER PARK, FL 32789-2651
Document Number	0000490193
Instrument Date	Sep 1, 2017
Transaction Type	Mortgage
Record Updated	Aug 24, 2018
Title Company	ATTORNEY ONLY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1223 HARDING ST WINTER PARK FL 327892651, WINTER PARK, FL 32789-2651

Mortgage

Document Number	0000490193
Date	Sep 5, 2017
Instrument	490193

Lender

Name	FIRST COLONY BK/FL
Type	Bank
Address	PO BOX 940370, MAITLAND, FL 32794-0370

Agreement

Amount	Amount on Record

August 2017: Trustee's Deed, Construction Loan

Document Type	Trustee's Deed
Jurisdiction	ORANGE FL
Recording Date	Aug 28, 2017
Property Address	1223 HARDING ST, WINTER PARK, FL 32789-2651
Instrument Date	Aug 24, 2017
Instrument	477282
Transaction Type	Construction Loan
Record Updated	Sep 12, 2017
Title Company	ATTORNEY ONLY

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	1223 HARDING ST WINTER PARK FL 327892651, WINTER PARK, FL 32789-2651

Mortgage

Document Number	0000477282
Date	Aug 28, 2017
Instrument	477282

Lender

Name	MICHAEL O'SHAUGHNESSY
Address	4024 SALT POINTE PKWY, NORTH CHARLESTON, SC 29405-8419

Agreement

Type	Construction Mortgage
Amount	Amount on Record
Term	12 Months
Due	Aug 27, 2018

August 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ORANGE FL
Property Address	1223 HARDING ST, WINTER PARK, FL 32789-2651
Document Number	0000477281
Instrument Date	Aug 15, 2017
Transaction Type	Mortgage
Record Updated	Sep 12, 2017
Title Company	ATTORNEY ONLY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1223 HARDING ST WINTER PARK FL 327892651, WINTER PARK, FL 32789-2651

Mortgage

Document Number	0000477281
Date	Aug 28, 2017
Instrument	477281

Lender

Name	ANDY SWANSON
Address	PO BOX 2294, WINTER PARK, FL 32790-2294

Agreement

Type	Conventional Mortgage
Amount	Amount on Record

Tax Assessment & Valuation

The 2025 property tax bill for 1223 Harding St was $34,874, up 2.9% from the year before.

Source: Orange County assessment roll, as of April 30, 2026

Property Jurisdictions

Type	Name
State	Florida
County	Orange County
Municipality	Winter Park City
Unified School District	Orange County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$2,335,264 (+2.7%)	$2,399,390 (-0.68%) Land $660,000 Building $1,739,390
2025	$34,874.00 (+2.9%) Homeowner's exemption	$2,273,870	$2,415,760 Land $660,000 Building $1,755,760
2024	$33,891.00 (+3.41%)
2023	$32,775.00 (+34%) Homeowner's exemption	$2,145,423 (+35.53%) Land $600,000 Building $1,545,423	$2,145,423 (+35.53%) Land $600,000 Building $1,545,423
2022	$24,459.00	$1,583,000 Land $600,000 Building $983,000	$1,583,000 Land $600,000 Building $983,000

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

Flood

FEMA maps place 1223 Harding 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 37 policies
Nearby Flood Policies	37 in force
Nearby Flood Claims	5 (1980–2022)
Claims Outside the SFHA	4 of 5
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 1223 Harding St is low, with a 0.02% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 95% of the US · lower than 95% of Florida
Wildfire Likelihood	0.02% annual chance
Exposure	None beyond ember reach

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	WINTER PARK, CITY OF (3 WPS) serves 82,984 people · EPA ID FL3481482
Water Source	Groundwater
Last State Inspection	Jan 2025
Lead	1 ppb (2023) action level 15 ppb

Violations Reported to EPA

Water Quality	Total trihalomethanes resolved · Apr 2021
Treatment and Procedure	None last 10 years
Monitoring and Reporting	1 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 177 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · Fixed Wireless	5,000 / 5,000
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	1,000 / 75

May also be available: CenturyLink, T-Mobile.

Nearby Properties on Harding St

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures