1908 Harding St, Lake Worth, FL 33460 Property Records

Palm Beach County property record for 1908 Harding St, Lake Worth, FL 33460

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,382 sqft · built 2019
Lot Size	0.119 acres (5,205 sqft)
Owner	Individual Name on File
Last Sale	$565,000 (Jan 2026)
Tax Bill	$7,644 (2025)
Deeds & Mortgages	Jan 2022 Mortgage Jan 2026 Sale & Mortgage + 2 more
Flood Zone	Zone AE (high risk)
APN	`38-43-44-16-39-000-0440`

Property Details

APN / Parcel Number

Primary APN	`38-43-44-16-39-000-0440`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,382 sqft Living Area
Gross Area	2,962 sqft
Flooring	Ceramic Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2019
Exterior Material	Stucco
Construction Type	Concrete Block
Roof Type	Wood Truss
Roof Material	Composition Shingle
Lot Area	5,205 sqft (0.119 acres)
Porch	Open Porch

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air
Heating Fuel	Electric

Location & Zoning

Street Address	1908 HARDING ST
City	LAKE WORTH
State	FL
Zip	33460-6230
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SFR
Legal Description	LAKE COVE OF LAKE WORTH LT 44
Legal Range	43
Legal Township	44
Legal Section	16
Legal Lot Number	44
Jurisdiction	PALM BEACH FL
Township / Civil Division	LAKE WORTH
Census Block Group	1
Census Block	1002
Census Tract	4401

Owner

Source: Palm Beach County assessment roll, as of July 1, 2025

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on File
Co-owner	Verified Secondary Owner
Mailing Address	1908 HARDING ST, LAKE WORTH BEACH, FL 33460-6230
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 10, 2022	Deed of Trust, Mortgage · Conventional Mortgage INTERCONTINENTAL CAPITAL GROUP INC
Jan 9, 2026	Warranty Deed, Transfer · FHA Mortgage GUARANTEED RATE INC
Jun 22, 2020	Deed of Trust, Mortgage · FHA Mortgage INTERCONTINENTAL CAP
Oct 10, 2019	Grant Deed, Subdivision Related Transfer · FHA Mortgage LOANDEPOT.COM LLC

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Jan 9, 2026 · Amount on Record
Deed Sale	Jan 9, 2026 · Amount on Record
Prior Sale	Oct 10, 2019 · Amount on Record
Deed Document Number	20260010954
Deed Book / Page	36245 / 20
Record Updated	Jun 8, 2026

January 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PALM BEACH FL
Property Address	1908 HARDING ST, LAKE WORTH, FL 33460-6230
Transaction Type	Mortgage
Record Updated	Jan 30, 2026
Title Company	VANTAGE POINT TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1908 HARDING ST, LAKE WORTH, FL 33460-6230

Mortgage

Document Number	0332001925
Date	Jan 10, 2022
Book Page	33200/1925
Instrument	20220010391

Lender

Name	INTERCONTINENTAL CAPITAL GROUP INC
Type	Mortgage Company
Address	MELVILLE, NY 11747

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 1, 2052

January 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	PALM BEACH FL
Recording Date	Jan 9, 2026
Property Address	1908 HARDING ST, LAKE WORTH, FL 33460-6230
Document Number	0362450020
Book / Page	36245 / 20
Map Reference	MB 125 PG 169
Instrument Date	Jan 8, 2026
Instrument	20260010954
Transaction Type	Transfer
Record Updated	Jan 30, 2026
Title Company	CLEAR LAKE TITLE SERVICES INC, CLEAR LAKE TITLE SVCS INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$3,955.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	7650 TAHITI LN APT 102, 102, LAKE WORTH, FL 33467-4919

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1908 HARDING ST, LAKE WORTH BEACH, FL 33460-6230

Mortgage

Document Number	0003624523
Date	Jan 9, 2026
Instrument	36245/23

Lender

Name	GUARANTEED RATE INC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2056

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PALM BEACH FL
Property Address	1908 HARDING ST, LAKE WORTH, FL 33460-6230
Document Number	0315410691
Instrument Date	Jun 22, 2020
Transaction Type	Mortgage
Record Updated	Jan 27, 2021
Title Company	NATIONWIDE TITLE CLEARING INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1908 HARDING ST LAKE WORTH FL 334606230, LAKE WORTH, FL 33460-6230

Mortgage

Document Number	0315410691
Date	Jul 1, 2020
Book Page	031541/000691
Instrument	230141

Lender

Name	INTERCONTINENTAL CAP
Type	Funding / Finance Company
Address	MELVILLE, NY 11747

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 30, 2050

October 2019: Grant Deed, Subdivision Related Transfer

Document Type	Grant Deed
Jurisdiction	PALM BEACH FL
Recording Date	Oct 10, 2019
Property Address	1908 HARDING ST, LAKE WORTH, FL 33460-6230
Document Number	0309450303
Book / Page	030945 / 000303
Instrument Date	Sep 23, 2019
Instrument	371318
Transaction Type	Subdivision Related Transfer
Record Updated	Jan 27, 2021
Title Company	BLUELINE TITLE COMPANY LLC, BLUELINE TITLE CO LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$2,646.00
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	1908 HARDING ST LAKE WORTH FL 334606230, LAKE WORTH, FL 33460-6230

Mortgage

Document Number	309450305
Date	Oct 10, 2019
Book Page	030945/000305
Instrument	371319

Lender

Name	LOANDEPOT.COM LLC
Type	Funding / Finance Company
Address	FOOTHILL RANCH, CA 92610

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 9, 2049

Tax Assessment & Valuation

Source: Palm Beach County assessment roll, as of July 1, 2025

Property Jurisdictions

Type	Name
State	Florida
County	Palm Beach County
Municipality	Lake Worth Beach City
Unified School District	Palm Beach County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$7,644.00 (+4.27%) Homeowner's exemption	$369,185 (+5.99%)	$501,043 (+4.32%) Land $131,625 Building $369,418
2023	$7,331.00 (+1.76%) Homeowner's exemption	$348,330 (+3%)	$480,302 (+13.06%) Land $136,022 Building $344,280
2022	$7,204.00 Homeowner's exemption	$338,184	$424,830 Land $112,415 Building $312,415

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 AE high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	10.7 ft
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on Record median of 35 policies
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	35 in force
Nearby Flood Claims	2 (1999)
Most Recent Claim	Oct 1999 · Hurricane Irene
Claims by Event	Hurricane Irene, Oct 1999 · 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 99.8% of the US · lower than 99.7% of Florida
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond ember reach

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	LAKE WORTH BEACH UTILITIES serves 48,000 people · EPA ID FL4500773
Water Source	Purchased surface water from several systems
Last State Inspection	Feb 2023
Lead	1 ppb (2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	5 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 185 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
Xfinity Cable	2,000 / 2,000

May also be available: T-Mobile USA, Verizon.

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