1315 E Harding St, Orlando, FL 32806 Property Records

Orange County property record for 1315 E Harding St, Orlando, FL 32806

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 870 sqft · built 1946
Lot Size	0.164 acres (7,139 sqft)
Owner	Individual Name on Record
Tax Bill	$2,292 (2024)
Deeds & Mortgages	Jun 2025 Construction Loan May 2025 Transfer + 1 more
Flood Zone	Zone X (minimal risk)
APN	`01-23-29-1936-00-210`

Property Details

APN / Parcel Number

Primary APN	`01-23-29-1936-00-210`
Alternative APNs	`01-23-29-4214-00-020` `292301193600210` `384266` `389548` `394683`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	870 sqft Living Area
Gross Area	938 sqft
1st Floor Area	870 sqft
Flooring	Carpet

Exterior

Year Built	Built 1946
Effective Year Built	Effective 1970
Exterior Material	Concrete
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	7,139 sqft (0.164 acres)
Porch	Slab
Porch Area	68 sqft

Utilities, Heating & Cooling

Cooling System	Wall Unit
Heating System	Forced Air with A/C

Location & Zoning

Street Address	1315 E HARDING ST
City	ORLANDO
State	FL
Zip	32806-4115
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-2A/T
Legal Description	DARRELLS SUB M/2 LOT 21
Legal Subdivision	DARRELL SUB
Legal Tract	1936
Legal Lot Number	21
Jurisdiction	ORANGE FL
Township / Civil Division	ORLANDO
Census Block Group	2
Census Block	2013
Census Tract	11300

Owner

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	Individual Name on Record
Mailing Address	3900 S SUMMERLIN AVE, ORLANDO, FL 32806-6906
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 16, 2025	Deed of Trust, Mortgage · Construction Mortgage BUILDER FINANCE INC
May 12, 2025	Quit Claim Deed, Transfer Quitclaim
Jul 24, 2023	Warranty Deed, Transfer · Seller Carry-Back GERALD REAGAN

Assessor's Deed Record

Deed Names	Name on Deed
Record Updated	Jun 8, 2026

June 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ORANGE FL
Property Address	1315 E HARDING ST, ORLANDO, FL 32806-4115
Transaction Type	Mortgage
Record Updated	Dec 9, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3900 S SUMMERLIN AVE, ORLANDO, FL 32806-6906

Mortgage

Document Number	0000349572
Date	Jun 16, 2025
Instrument	20250349572

Lender

Name	BUILDER FINANCE INC
Type	Mortgage Company
Address	SIOUX FALLS, SD 57103

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	10 Months
Due	Apr 12, 2026

May 2025: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	ORANGE FL
Recording Date	May 12, 2025
Property Address	1315 E HARDING ST, ORLANDO, FL 32806-4115
Document Number	0000277325
Map Reference	MB 114 PG 140
Instrument Date	May 9, 2025
Instrument	20250277325
Transaction Type	Transfer
Record Updated	Dec 9, 2025

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3900 S SUMMERLIN AVE, ORLANDO, FL 32806-6906

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3900 S SUMMERLIN AVE, ORLANDO, FL 32806-6906

July 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ORANGE FL
Recording Date	Jul 24, 2023
Property Address	1315 E HARDING ST, ORLANDO, FL 32806-4115
Document Number	0000411419
Map Reference	MB M PG 2
Instrument Date	Jul 20, 2023
Instrument	20230411419
Transaction Type	Transfer
Record Updated	Dec 9, 2025
Title Company	INTEGRITY FIRST TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,820.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	965 SCANDIA LN, ORLANDO, FL 32825-6735

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3900 S SUMMERLIN AVE, ORLANDO, FL 32806-6906

Mortgage

Document Number	0000411420
Date	Jul 24, 2023
Instrument	20230411420

Lender

Name	GERALD REAGAN
Type	Seller

Agreement

Type	Seller Carry-Back
Amount	Amount Recorded
Term	61 Months
Due	Aug 1, 2028

Tax Assessment & Valuation

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025		$122,000 (+55.19%) Land $122,000	$122,000 (-49.44%) Land $122,000
2024	$2,292.00 (+226.96%)
2023	$701.00 (+514.91%) Homeowner's exemption Disabled Person's exemption	$78,614 (+3%)	$241,276 (+12.09%) Land $178,000 Building $63,276
2022	$114.00 Homeowner's exemption	$76,324	$215,243 Land $155,000 Building $60,243

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

Flood

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 Record median of 16 policies
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	16 in force
Nearby Flood Claims	5 (2005–2024)
Claims Outside the SFHA	2 of 5
Most Recent Claim	Sep 2024 · other causes

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

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

Wildfire Risk	Low lower than 96% of the US · lower than 96% of Florida
Wildfire Likelihood	0.01% annual chance
Exposure	Direct burnable vegetation

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	ORLANDO UTILITIES COMMISSION serves 536,466 people · EPA ID FL3480962
Water Source	Groundwater
Last State Inspection	Aug 2024
Lead	2 ppb (2023) action level 15 ppb

Violations Reported to EPA

Water Quality	Total trihalomethanes resolved · Jul 2019
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 409 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · DSL · Fixed Wireless in parts of the area	5,000 / 5,000
Spectrum Cable	1,000 / 50
Verizon Fixed Wireless	300 / 20

May also be available: Summit Broadband.

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