239 E Harding St, Orlando, FL 32806 Property Records

Orange County property record for 239 E Harding St, Orlando, FL 32806

Property Summary

Property Type	Single Family Home
Details	4 bd · 3.5 ba · 3,502 sqft · built 1938
Lot Size	0.424 acres (18,473 sqft)
Owner	2 Individual Names on File
Last Sale	$1,485,000 (Mar 2026)
Tax Bill	$4,413 (2025)
Deeds & Mortgages	May 2022 Construction Loan Mar 2026 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`01-23-29-0030-00-020`

Property Details

APN / Parcel Number

Primary APN	`01-23-29-0030-00-020`
Alternative APNs	`292301003000020` `383950` `389233` `393682`

Interior

Bedrooms	4 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	3,502 sqft Living Area
Gross Area	4,506 sqft
1st Floor Area	1,098 sqft
Flooring	Wood
Interior Walls	Plaster

Exterior

Year Built	Built 1938
Effective Year Built	Effective 1975
Exterior Material	Concrete
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	18,473 sqft (0.424 acres)
Garage Type	Carport
Garage Area	472 sqft
Carport	Carport
Carport Area	472 sqft
Porch	Florida Room

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	239 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	AAI HARDING 108/60 LOT 2
Legal Range	29E
Legal Township	23S
Legal Section	01
Legal Subdivision	AAI HARDING
Legal Tract	9304
Legal Block	B
Legal Lot Number	2
Jurisdiction	ORANGE FL
Township / Civil Division	ORLANDO
Census Block Group	3
Census Block	3018
Census Tract	11300

Owner

Source: Orange County assessment roll, as of April 30, 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 File
Mailing Address	239 E HARDING ST, ORLANDO, FL 32806-3022
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
May 16, 2022	Deed of Trust, Mortgage · Construction Mortgage TD BANK NA
Mar 10, 2026	Warranty Deed, Transfer · Conventional Mortgage VYSTAR CU

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Mar 10, 2026 · Amount on Record
Deed Sale	Mar 10, 2026 · Amount on Record
Prior Sale	May 16, 2022 · Amount on Record
Deed Document Number	2026140656
Record Updated	Jun 8, 2026

May 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ORANGE FL
Property Address	239 E HARDING ST, ORLANDO, FL 32806-3022
Transaction Type	Mortgage
Record Updated	Mar 25, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	500 E MARKS ST, ORLANDO, FL 32803-3922

Mortgage

Document Number	0000308986
Date	May 16, 2022
Instrument	20220308986

Lender

Name	TD BANK NA
Type	Bank
Address	WILMINGTON, DE 19808

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2052

March 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ORANGE FL
Recording Date	Mar 10, 2026
Property Address	239 E HARDING ST, ORLANDO, FL 32806-3022
Document Number	0000140656
Map Reference	MB 108 PG 60
Instrument Date	Mar 4, 2026
Instrument	20260140656
Transaction Type	Transfer
Record Updated	Mar 25, 2026
Title Company	INNOVATIVE TITLE SERVICES I LLC, INNOVATIVE TITLE SVCS I LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$10,395.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	260 E SOUTH ST, ORLANDO, FL 32801-3525

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	239 E HARDING ST, ORLANDO, FL 32806-3022

Mortgage

Document Number	0000140657
Date	Mar 10, 2026
Instrument	20260140657

Lender

Name	VYSTAR CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2056

Interest

Rate Type	Adjustable Rate
Rate	5.25%
Type Change Date	Apr 1, 2033
Change Frequency	Annually
Min Rate At Change	2.5%
Max Rate At Change	10.2%
Index	1-Year CMT
Max Rate	10.2%

Tax Assessment & Valuation

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		$981,100 (+326.57%) Land $230,000 Building $751,100	$981,100 (+326.57%) Land $230,000 Building $751,100
2025	$4,413.00 (+5.2%)	$230,000 (+12.2%) Land $230,000	$230,000 (+12.2%) Land $230,000
2024	$4,195.00 (+11.45%)
2023	$3,764.00 (+7.91%)	$205,000 (+10.84%) Land $205,000	$205,000 (+10.84%) Land $205,000
2022	$3,488.00	$184,952 Land $170,000 Building $14,952	$184,952 Land $170,000 Building $14,952

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

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 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

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	0.02% annual chance
Exposure	None beyond ember reach

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 USA Fixed Wireless	100 / 20

May also be available: Orlando Telephone Company, Verizon.

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