1408 E Harding St, Orlando, FL 32806 Property Records

Orange County property record for 1408 E Harding St, Orlando, FL 32806

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 1,299 sqft · built 1958
Lot Size	0.15 acres (6,520 sqft)
Owner	2 Individual Names on File
Last Sale	$285,000 (Nov 2020)
Tax Bill	$4,756 (2025)
Deeds & Mortgages	Nov 2020 Sale & Mortgage Jun 2017 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`01-23-29-8200-00-460`

Property Details

APN / Parcel Number

Primary APN	`01-23-29-8200-00-460`
Alternative APNs	`292301820000460` `386386` `391671` `396130`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,299 sqft Living Area
Gross Area	1,881 sqft
1st Floor Area	1,299 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1958
Effective Year Built	Effective 1990
Exterior Material	Concrete Block
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	6,520 sqft (0.15 acres)
Garage Type	Carport
Garage Area	216 sqft
Carport	Carport
Carport Area	216 sqft
Parking Spaces	1 Parking Space
Porch	Slab
Porch Area	270 sqft
Utility Building	96 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	1408 E HARDING ST
City	ORLANDO
State	FL
Zip	32806-4127
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-2A/T
Legal Description	SOUTHERN PINES H/112 LOT 46
Legal Range	29E
Legal Township	23S
Legal Section	01
Legal Subdivision	SOUTHERN PINES
Legal Tract	8200
Legal Lot Number	46
Jurisdiction	ORANGE FL
Township / Civil Division	ORLANDO
Census Block Group	2
Census Block	2019
Census Tract	11300

Owner

1408 E Harding St is owned and occupied by two individuals who bought it in November 2020.

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

Owner of Record	2 Individual Names on File
Mailing Address	1408 E HARDING ST, ORLANDO, FL 32806-4127
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

Date	Document
Nov 16, 2020	Warranty Deed, Transfer · Conventional with PMI FBC MTG
Jun 28, 2017	Warranty Deed, Transfer · Conventional Mortgage FBC MORTGAGE LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 16, 2020 · Amount on File
Deed Sale	Nov 16, 2020 · Amount on File
Prior Sale	Sep 19, 1995 · Amount on File
Deed Document Number	2020599682
Record Updated	Oct 29, 2026

November 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ORANGE FL
Recording Date	Nov 16, 2020
Property Address	1408 E HARDING ST, ORLANDO, FL 32806-4127
Document Number	0000599682
Instrument Date	Nov 11, 2020
Instrument	599682
Transaction Type	Transfer
Record Updated	Dec 1, 2020
Title Company	TITLE SERVICE AND LIAISON COMPANIES, SIMPLIFILE LC E-RECORDING

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,995.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	1408 E HARDING ST ORLANDO FL 328064127, ORLANDO, FL 32806-4127

Mortgage

Document Number	599683
Date	Nov 16, 2020
Instrument	599683

Lender

Name	FBC MTG
Type	Mortgage Company
Address	ORLANDO, FL 32801

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	360 Months
Due	Nov 15, 2050

June 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ORANGE FL
Recording Date	Jun 28, 2017
Property Address	1408 E HARDING ST, ORLANDO, FL 32806-4127
Document Number	0000362106
Map Reference	MB H PG 112
Instrument Date	Jun 27, 2017
Instrument	20170362106
Transaction Type	Transfer
Record Updated	Jan 3, 2022
Title Company	INTERITY FIRST TITLE

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	795 E CHURCH ST, 795, BARTOW, FL 33830-4012

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1408 E HARDING ST, ORLANDO, FL 32806-4127

Mortgage

Document Number	0000362107
Date	Jun 28, 2017
Instrument	20170362107

Lender

Name	FBC MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jul 1, 2047

Tax Assessment & Valuation

The 2025 property tax bill for 1408 E Harding St was $4,756, up 4.1% from the year before.

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
2026		$298,539 (+2.7%)	$348,130 (-1.56%) Land $200,000 Building $148,130
2025	$4,756.00 (+4.07%) Homeowner's exemption	$290,690	$353,660 Land $200,000 Building $153,660
2024	$4,570.00 (+5.13%)
2023	$4,347.00 (+3.08%) Homeowner's exemption	$274,270 (+3%)	$314,863 (+11.19%) Land $178,000 Building $136,863
2022	$4,217.00 Homeowner's exemption	$266,282	$283,184 Land $155,000 Building $128,184

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

Flood

FEMA maps place 1408 E 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 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

Wildfire risk around 1408 E Harding St is low, with a 0.01% annual chance of wildfire.

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

Wildfire Risk	Low lower than 97% of the US · lower than 96% of Florida
Wildfire Likelihood	0.01% 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	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 486 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 · Fiber in parts of the area	1,000 / 1,000
Verizon Fixed Wireless	1,000 / 75

May also be available: Summit Broadband, Xfinity.

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