2324 E Harding St, Orlando, FL 32806 Property Records

Orange County property record for 2324 E Harding St, Orlando, FL 32806

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,990 sqft · built 1961
Lot Size	0.235 acres (10,238 sqft)
Owner	2 Individual Names on Record
Last Sale	$160,000 (Feb 2010)
Tax Bill	$3,184 (2025)
Deeds & Mortgages	Aug 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`06-23-30-1430-00-120`

Property Details

APN / Parcel Number

Primary APN	`06-23-30-1430-00-120`
Alternative APNs	`302306143000120` `533060` `538806` `543425`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	1 Room
Stories	1 Story
Building Area	1,990 sqft Living Area
Gross Area	2,460 sqft
1st Floor Area	1,990 sqft
Flooring	Wood
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1961
Effective Year Built	Effective 1981
Exterior Material	Concrete
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	10,238 sqft (0.235 acres)
Garage Type	Carport
Garage Area	390 sqft
Carport	Carport
Carport Area	390 sqft
Parking Spaces	1 Parking Space
Porch	Slab
Porch Area	80 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	2324 E HARDING ST
City	ORLANDO
State	FL
Zip	32806-3222
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-2
Legal Description	CLOVERDALE HEIGHTS Y/59 LOT 12
Legal Range	30E
Legal Township	23S
Legal Section	06
Legal Subdivision	CLOVERDALE HGTS
Legal Tract	1430
Legal Lot Number	12
Jurisdiction	ORANGE FL
Township / Civil Division	ORLANDO
Census Block Group	1
Census Block	1021
Census Tract	13702

Owner

Source: Orange County records, as of May 4, 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	2324 E HARDING ST, ORLANDO, FL 32806-3222
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 1, 2010 · Amount on Record
Deed Sale	Feb 1, 2010 · Amount on Record
Prior Sale	Nov 2, 2009
Deed Document Number	201061346
Deed Book / Page	9995 / 5608
Prior Transfer Date	Oct 29, 2009
Prior Transfer Doc	0000646632
Record Updated	Oct 29, 2026

August 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ORANGE FL
Property Address	2324 E HARDING ST, ORLANDO, FL 32806-3222
Document Number	0000436101
Instrument Date	Aug 12, 2020
Transaction Type	Mortgage
Record Updated	Sep 11, 2020
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	2324 E HARDING ST ORLANDO FL 328063222, ORLANDO, FL 32806-3222

Mortgage

Document Number	0000436101
Date	Aug 18, 2020
Instrument	436101

Lender

Name	WATERSTONE MTG CORP
Type	Mortgage Company
Address	PEWAUKEE, WI 53072

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	240 Months
Due	Aug 17, 2040

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		$219,284 (+2.7%)	$359,780 (-3.2%) Land $150,000 Building $209,780
2025	$3,184.00 (+6.24%) Homeowner's exemption	$213,519 (+5.99%)	$371,660 (+7.41%) Land $150,000 Building $221,660
2024	$2,997.00 (+7.38%)
2023	$2,791.00 (+4.14%) Homeowner's exemption	$201,457 (+3%)	$346,028 (+9.81%) Land $129,000 Building $217,028
2022	$2,680.00 Homeowner's exemption	$195,589	$315,110 Land $129,000 Building $186,110

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 98% of the US · lower than 97.6% 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 427 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
Summit Broadband Fiber · Cable in parts of the area	2,000 / 2,000
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Verizon Fixed Wireless	1,000 / 75
T-Mobile Fixed Wireless	100 / 20