1704 E Harding St, Orlando, FL 32806 Property Records

Orange County property record for 1704 E Harding St, Orlando, FL 32806

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,288 sqft · built 1935
Lot Size	0.156 acres (6,811 sqft)
Owner	2 Individual Names on File
Last Sale	$100 (May 2017)
Tax Bill	$3,752 (2025)
Deeds & Mortgages	Jul 2020 Line of Credit Mar 2018 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`06-23-30-7408-05-021`

Property Details

APN / Parcel Number

Primary APN	`06-23-30-7408-05-021`
Alternative APNs	`302306740805021` `534215` `539962` `544622`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,288 sqft Living Area
Gross Area	1,726 sqft
1st Floor Area	1,124 sqft
Flooring	Carpet
Interior Walls	Plaster

Exterior

Year Built	Built 1935
Effective Year Built	Effective 1965
Exterior Material	Wood
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	6,811 sqft (0.156 acres)
Garage Type	Detached
Garage Area	220 sqft
Parking Spaces	1 Parking Space
Porch	Slab
Porch Area	358 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	1704 E HARDING ST
City	ORLANDO
State	FL
Zip	32806-3130
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-2
Legal Description	RICHMOND TERRACE FIRST ADDITION N/25 E 68.17 FT OF LOTS 2 & 3 BLK E
Legal Range	30E
Legal Township	23S
Legal Section	06
Legal Subdivision	RICHMOND TERRACE 1ST ADD
Legal Tract	7408
Legal Block	E
Legal Lot Number	2,3
Jurisdiction	ORANGE FL
Township / Civil Division	ORLANDO
Census Block Group	1
Census Block	1028
Census Tract	13702

Owner

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

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on File
Mailing Address	1704 E HARDING ST, ORLANDO, FL 32806-3130
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 9, 2020	Deed of Trust, Mortgage · Line of Credit TCF NAT'L BK
Mar 23, 2018	Deed of Trust, Mortgage · Line of Credit ORLANDO FCU
Jun 14, 2017	Warranty Deed, Transfer · Conventional Mortgage ORLANDO FCU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 1, 2017 · Amount on File
Deed Sale	May 1, 2017 · Amount on File
Prior Sale	Jul 16, 2010 · Amount on File
Record Updated	Jun 8, 2026

July 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ORANGE FL
Property Address	1704 E HARDING ST, ORLANDO, FL 32806-3130
Document Number	0000384079
Instrument Date	Jul 9, 2020
Transaction Type	Mortgage
Record Updated	Jul 30, 2020
Title Company	TITLE SERVICE AND LIAISON COMPANIES, SIMPLIFILE LC E-RECORDING

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	1704 E HARDING ST ORLANDO FL 328063130, ORLANDO, FL 32806-3130

Mortgage

Document Number	0000384079
Date	Jul 17, 2020
Instrument	384079

Lender

Name	TCF NAT'L BK
Type	Bank
Address	SIOUX FALLS, SD 57106

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Jul 16, 2050

Interest

Rate Type	Adjustable Rate

March 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ORANGE FL
Property Address	1704 E HARDING ST, ORLANDO, FL 32806-3130
Document Number	0000186151
Instrument Date	Mar 23, 2018
Transaction Type	Mortgage
Record Updated	Apr 16, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	719 WOODVALLEY WAY ORLANDO FL 328256835, ORLANDO, FL 32825-6835

Mortgage

Document Number	0000186151
Date	Mar 29, 2018
Instrument	186151

Lender

Name	ORLANDO FCU
Type	Credit Union
Address	ORLANDO, FL 32805

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	180 Months
Due	Mar 28, 2033

Interest

Rate Type	Adjustable Rate

June 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ORANGE FL
Recording Date	Jun 14, 2017
Property Address	1704 E HARDING ST, ORLANDO, FL 32806-3130
Document Number	0000329590
Map Reference	MB N PG 25
Instrument Date	May 17, 2017
Instrument	20170329590
Transaction Type	Transfer
Record Updated	Jan 3, 2022
Title Company	ABSOLUTE TITLE OF CENTRAL FL

Transaction

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

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3963 BERLIN DR, 3963, SARASOTA, FL 34233-2158

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1704 E HARDING ST, ORLANDO, FL 32806-3130

Mortgage

Document Number	0000329591
Date	Jun 14, 2017
Instrument	20170329591

Lender

Name	ORLANDO FCU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	240 Months
Due	Jun 1, 2037

Tax Assessment & Valuation

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		$230,360 (-6.18%) Land $172,000 Building $58,360	$230,360 (-7.8%) Land $172,000 Building $58,360
2025	$3,752.00 (+5.66%) Homeowner's exemption	$245,525 (+5.99%)	$249,860 (+7.86%) Land $172,000 Building $77,860
2024	$3,551.00 (+7.25%)
2023	$3,311.00 (+7.5%) Homeowner's exemption	$231,655 (+17.34%) Land $150,000 Building $81,655	$231,655 (+17.34%) Land $150,000 Building $81,655
2022	$3,080.00	$197,417 Land $150,000 Building $47,417	$197,417 Land $150,000 Building $47,417

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 File median of 47 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	47 in force
Nearby Flood Claims	6 (2016–2024)
Claims Outside the SFHA	1 of 6
Most Recent Claim	Aug 2024 · rainfall accumulation
Claims by Event	Hurricane Ian, Sep 2022 · 2 claims

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 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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