209 E Harding St, Orlando, FL 32806 Property Records

Orange County property record for 209 E Harding St, Orlando, FL 32806

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 1,310 sqft · built 1954
Lot Size	0.218 acres (9,496 sqft)
Owner	2 Individual Names on File
Last Sale	$425,000 (Sep 2021)
Tax Bill	$5,154 (2025)
Deeds & Mortgages	Sep 2026 Sale Sep 2021 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`01-23-29-2100-03-091`

Property Details

APN / Parcel Number

Primary APN	`01-23-29-2100-03-091`
Alternative APNs	`292301210003091` `384525` `389808` `394261`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,310 sqft Living Area
Gross Area	1,697 sqft
1st Floor Area	1,143 sqft
Flooring	Wood
Interior Walls	Plaster

Exterior

Year Built	Built 1954
Effective Year Built	Effective 2004
Exterior Material	Concrete/Cinder Block
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	9,496 sqft (0.218 acres)
Garage Area	315 sqft
Parking Spaces	1 Parking Space

Exterior Amenities

Porch	Slab
Porch Area	239 sqft
Shed	1 Shed
Total Buildings	2 Buildings

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	209 E HARDING ST
City	ORLANDO
State	FL
Zip	32806-3022
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-2A/T
Legal Description	DIXIE HIGHLANDS REPLAT P/52 THE E 30 FT OF LOT 9 & W 40 FT O F LOT 10 BLK C
Legal Range	29E
Legal Township	23S
Legal Section	01
Legal Subdivision	DIXIE HIGHLANDS REP
Legal Tract	2100
Legal Block	C
Legal Lot Number	9,10
Jurisdiction	ORANGE FL
Township / Civil Division	ORLANDO
Census Block Group	3
Census Block	3018
Census Tract	11300

Owner

209 E Harding St is owned and occupied by two individuals who acquired it in September 2026.

Source: Orange County records, as of October 13, 2026

Owner of Record	2 Individual Names on File
Mailing Address	209 E HARDING ST, ORLANDO, FL 32806-3022
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Life Estate

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
Sep 18, 2026	Deed, Transfer SIMPLE TITLE, SIMPLIFILE
Sep 7, 2021	Warranty Deed, Transfer · Conventional Mortgage PARTNERS FCU
Dec 1, 2017	Deed of Trust, Mortgage · Line of Credit REGIONS BK
Oct 13, 2017	Warranty Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 7, 2021 · Amount on File
Deed Sale	Sep 7, 2021 · Amount on File
Prior Sale	Oct 13, 2017 · Amount on File
Deed Document Number	2021544564
Last Transfer Date	Sep 17, 2026
Transfer Doc	0000520265
Record Updated	Oct 29, 2026

September 2026: Deed, Transfer

Document Type	Deed
Jurisdiction	ORANGE FL
Recording Date	Sep 18, 2026
Property Address	209 E HARDING ST, ORLANDO, FL 32806-3022
Document Number	0000520265
Instrument Date	Sep 17, 2026
Instrument	2026520265
Transaction Type	Transfer
Record Updated	Sep 29, 2026
Title Company	SIMPLE TITLE, SIMPLIFILE

Transaction

Amount	Amount on Record
Tax	$70.70
Amount Accuracy	Full Amount Stated
Additional	Intrafamily Transfer Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Life Estate
Address	209 E HARDING ST, ORLANDO, FL 32806-3022

September 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ORANGE FL
Recording Date	Sep 7, 2021
Property Address	209 E HARDING ST, ORLANDO, FL 32806-3022
Document Number	20210544564
Map Reference	MB P PG 52
Instrument Date	Aug 16, 2021
Instrument	20210544564
Transaction Type	Transfer
Record Updated	Sep 24, 2021
Title Company	EQUITABLE TITLE/W ORLANDO LLC, EQUITABLE TTL OF WEST ORLAND

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,975.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	209 E HARDING ST, ORLANDO, FL 32806-3022

Mortgage

Document Number	20210544565
Date	Sep 7, 2021
Instrument	20210544565

Lender

Name	PARTNERS FCU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Sep 1, 2051

December 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ORANGE FL
Property Address	209 E HARDING ST, ORLANDO, FL 32806-3022
Document Number	0000682881
Instrument Date	Dec 1, 2017
Transaction Type	Mortgage
Record Updated	Aug 29, 2018
Title Company	TITLE SERVICE AND LIAISON COMPANIES

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	6737 VALHALLA WAY WINDERMERE FL 347865627, WINDERMERE, FL 34786-5627

Mortgage

Document Number	0000682881
Date	Dec 15, 2017
Instrument	682881

Lender

Name	REGIONS BK
Type	Bank
Address	BIRMINGHAM, AL 35211

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Dec 14, 2047

Interest

Rate Type	Adjustable Rate

October 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ORANGE FL
Recording Date	Oct 13, 2017
Property Address	209 E HARDING ST, ORLANDO, FL 32806-3022
Document Number	0000561186
Instrument Date	Oct 10, 2017
Instrument	561186
Transaction Type	Transfer
Record Updated	Oct 31, 2017
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount on Record
Tax	$1,916.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	6737 VALHALLA WAY WINDERMERE FL 347865627, WINDERMERE, FL 34786-5627

Tax Assessment & Valuation

The 2025 property tax bill for 209 E Harding St was $5,154, up 4% 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		$320,957 (+2.7%)	$430,140 (-0.75%) Land $230,000 Building $200,140
2025	$5,154.00 (+4%) Homeowner's exemption	$312,519	$433,390 Land $230,000 Building $203,390
2024	$4,956.00 (+5%)
2023	$4,720.00 (+3.1%) Homeowner's exemption	$294,865 (+3%)	$382,489 (+7.67%) Land $205,000 Building $177,489
2022	$4,578.00 Homeowner's exemption	$286,277	$355,248 Land $175,000 Building $180,248

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

Flood

FEMA maps place 209 E Harding St in Zone X, an area of minimal flood risk, though there have been 7 flood claims nearby since 2000.

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 File median of 23 policies
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	23 in force
Nearby Flood Claims	7 (2000–2024)
Claims Outside the SFHA	4 of 7
Most Recent Claim	Sep 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

Wildfire risk around 209 E Harding St is low, with a 0.02% annual chance of 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	0.02% 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 500 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
Starlink Satellite	280 / 30
T-Mobile Fixed Wireless	100 / 20

May also be available: Summit Broadband, Verizon.

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