1940 E Harding St, Orlando, FL 32806 Property Records

Orange County property record for 1940 E Harding St, Orlando, FL 32806

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,296 sqft · built 1996
Lot Size	0.303 acres (13,217 sqft)
Owner	2 Individual Names on Record
Last Sale	$213,800 (Oct 2007)
Tax Bill	$1,920 (2025)
Deeds & Mortgages	Jun 2018 Mortgage Jun 2018 Loan Modification
Flood Zone	Zone X (minimal risk)
APN	`06-23-30-0000-00-047`

Property Details

APN / Parcel Number

Primary APN	`06-23-30-0000-00-047`
Alternative APNs	`302306000000047` `532457` `538201` `542818`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,296 sqft Living Area
Gross Area	1,516 sqft
1st Floor Area	1,296 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1996
Effective Year Built	Effective 1996
Exterior Material	Concrete
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	13,217 sqft (0.303 acres)
Garage Type	Attached
Garage Area	220 sqft
Parking Spaces	1 Parking Space
Shed	1 Shed
Shed Area	2 sqft
Storage Building	240 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	1940 E HARDING ST
City	ORLANDO
State	FL
Zip	32806-3133
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-2
Legal Description	E 145 FT OF N 90 FT OF W 295 FT OF N1/2 OF SW1/4 OF SE1/4 OF NW1/4 OF SEC 06-23-30
Legal Range	30E
Legal Township	23S
Legal Section	06
Legal Subdivision	ACREAGE & UNREC
Legal Tract	0000
Legal Lot Number	47
Jurisdiction	ORANGE FL
Township / Civil Division	ORLANDO
Census Block Group	1
Census Block	1021
Census Tract	13702

Owner

Source: Orange County records, as of September 14, 2026

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

Owner of Record	2 Individual Names on Record
Mailing Address	1940 E HARDING ST, ORLANDO, FL 32806-3133
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Single Person

Deeds, Mortgages & Sale History

Date	Document
Jun 27, 2018	Deed of Trust, Mortgage · FHA Mortgage HUD-HOUSING/URBAN DEV
Jun 27, 2018	Loan Modification, Mortgage · Conventional Mortgage WELLS FARGO BK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 25, 2007 · Amount on Record
Deed Sale	Oct 25, 2007 · Amount on Record
Deed Document Number	2007706749
Deed Book / Page	9483 / 2518
Record Updated	Oct 29, 2026

June 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ORANGE FL
Property Address	1940 E HARDING ST, ORLANDO, FL 32806-3133
Document Number	0000426975
Instrument Date	Jun 27, 2018
Transaction Type	Mortgage
Record Updated	Aug 6, 2018
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1940 E HARDING ST ORLANDO FL 328063133, ORLANDO, FL 32806-3133

Mortgage

Document Number	0000426975
Date	Jul 19, 2018
Instrument	426975

Lender

Name	HUD-HOUSING/URBAN DEV
Address	WASHINGTON, DC 20410-8000

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 18, 2048

June 2018: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	ORANGE FL
Property Address	1940 E HARDING ST, ORLANDO, FL 32806-3133
Document Number	0000448748
Instrument Date	Jun 27, 2018
Transaction Type	Mortgage
Record Updated	Nov 21, 2018
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1940 E HARDING ST ORLANDO FL 328063133, ORLANDO, FL 32806-3133

Mortgage

Document Number	0000448748
Date	Jul 30, 2018
Instrument	448748

Lender

Name	WELLS FARGO BK
Type	Bank
Address	FORT MILL, SC 29715

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 29, 2048

Interest

Rate	4.62%

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		$138,553 (+2.7%)	$332,290 (-0.87%) Land $165,000 Building $167,290
2025	$1,920.00 (+8.66%) Homeowner's exemption	$134,910 (+5.99%)	$335,210 (+8.53%) Land $165,000 Building $170,210
2024	$1,767.00 (+7.42%)
2023	$1,645.00 (+5.25%) Homeowner's exemption	$127,289 (+3%)	$308,861 (+9.24%) Land $144,000 Building $164,861
2022	$1,563.00 Homeowner's exemption	$123,582	$282,747 Land $144,000 Building $138,747

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
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record 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 99.1% of the US · lower than 98.7% of Florida
Wildfire Likelihood	Under 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 451 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · DSL	5,000 / 5,000
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Verizon Fixed Wireless	1,000 / 75
T-Mobile Fixed Wireless	100 / 20

May also be available: Summit Broadband.

Nearby Properties on E Harding St

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

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