Orange County property record for 40 E Harvard St, Orlando, FL 32804
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 4 ba · 1,707 sqft · built 1926 |
| Lot Size | 0.161 acres (7,003 sqft) |
| Owner | Individual Name on File |
| Last Sale | $429,000 (Jul 2019) |
| Tax Bill | $8,722 (2025) |
| Deeds & Mortgages | Jul 2019 Sale & Mortgage Jan 2017 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 13-22-29-7728-05-100 |
| Primary APN | 13-22-29-7728-05-100 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 4 Baths |
| Stories | 1 Story |
| Building Area | 1,707 sqft Living Area |
| Gross Area | 1,798 sqft |
| 1st Floor Area | 1,494 sqft |
| Flooring | Wood |
| Interior Walls | Plaster |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1926 |
|---|---|
| Effective Year Built | Effective 1999 |
| Exterior Material | Concrete Block |
| Roof Type | Flat |
| Roof Material | Asbestos |
| Lot Area | 7,003 sqft (0.161 acres) |
| Porch | Slab |
| Porch Area | 304 sqft |
| Total Buildings | 2 Buildings |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Electric |
| Street Address | 40 E HARVARD ST |
|---|---|
| City | ORLANDO |
| State | FL |
| Zip | 32804-5051 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R-2A/T/W |
| Legal Description | ROSEMERE 2ND SECTION H/52 LOT 10 BLK E |
| Legal Range | 29E |
| Legal Township | 22S |
| Legal Section | 13 |
| Legal Subdivision | ROSEMERE 2ND SEC |
| Legal Tract | 7728 |
| Legal Block | E |
| Legal Lot Number | 10 |
| Jurisdiction | ORANGE FL |
| Township / Civil Division | ORLANDO |
| Census Block Group | 3 |
| Census Block | 3026 |
| Census Tract | 12701 |
Source: NPS National Register of Historic Places, as of August 1, 2026
| Historic District | Within the Lake Ivanhoe Historic Residential District listed 2010 · 828 contributing resources · NRIS 10001042 |
|---|
Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.
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 | Individual Name on File |
|---|---|
| Mailing Address | 40 E HARVARD ST, ORLANDO, FL 32804-5051 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jul 31, 2019 | Warranty Deed, Transfer · Conventional with PMI EMBRACE HM LOANS |
| Jan 5, 2017 | Warranty Deed, Transfer · Conventional with PMI EMBRACE HM LOANS |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Jul 31, 2019 · Amount on Record |
| Deed Sale | Jul 31, 2019 · Amount on Record |
| Prior Sale | Jan 5, 2017 · Amount on Record |
| Deed Document Number | 2019473090 |
| Record Updated | Jun 8, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ORANGE FL |
| Recording Date | Jul 31, 2019 |
| Property Address | 40 E HARVARD ST, ORLANDO, FL 32804-5051 |
| Document Number | 0000473090 |
| Instrument Date | Jul 26, 2019 |
| Instrument | 473090 |
| Transaction Type | Transfer |
| Record Updated | Aug 19, 2019 |
| Title Company | MORTGAGE TITLE SERVICES INC, MORTGAGEE TITLE SVCS INC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $3,003.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 40 E HARVARD ST ORLANDO FL 328045051, ORLANDO, FL 32804-5051 |
| Document Number | 473091 |
|---|---|
| Date | Jul 31, 2019 |
| Instrument | 473091 |
| Name | EMBRACE HM LOANS |
|---|---|
| Type | Funding / Finance Company |
| Address | MIDDLETOWN, RI 02842 |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jul 30, 2049 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ORANGE FL |
| Recording Date | Jan 5, 2017 |
| Property Address | 40 E HARVARD ST, ORLANDO, FL 32804-5051 |
| Document Number | 0000008723 |
| Instrument Date | Dec 30, 2016 |
| Instrument | 8723 |
| Transaction Type | Transfer |
| Record Updated | Jan 31, 2017 |
| Title Company | TITLE SERVICE AND LIAISON COMPANIES, SIMPLIFILE LC E-RECORDING |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,684.50 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 40 E HARVARD ST ORLANDO FL 328045051, ORLANDO, FL 32804-5051 |
| Document Number | 8724, |
|---|---|
| Date | Jan 5, 2017 |
| Instrument | 8724 |
| Name | EMBRACE HM LOANS |
|---|---|
| Type | Funding / Finance Company |
| Address | MIDDLETOWN, RI 02842 |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jan 4, 2047 |
Source: Orange County assessment roll, as of April 30, 2026
| Type | Name |
|---|---|
| State | Florida |
| County | Orange County |
| Municipality | Orlando City |
| Unified School District | Orange County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $466,850 (-1.12%) Land $200,000 Building $266,850 | $466,850 (-1.12%) Land $200,000 Building $266,850 | |
| 2025 | $8,722.00 (+3.05%) | $472,140 (+7.11%) Land $200,000 Building $272,140 | $472,140 (+7.11%) Land $200,000 Building $272,140 |
| 2024 | $8,464.00 (+7.82%) | ||
| 2023 | $7,850.00 (+11.22%) | $440,815 (+15%) Land $200,000 Building $240,815 | $440,815 (+15%) Land $200,000 Building $240,815 |
| 2022 | $7,058.00 | $383,324 Land $179,900 Building $203,424 | $383,324 Land $179,900 Building $203,424 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 12 policies |
| Community Rating System | Class 6 (20% premium discount) |
| Nearby Flood Policies | 12 in force |
| Nearby Flood Claims | 1 (2016) |
| Claims Outside the SFHA | 1 of 1 |
| Most Recent Claim | Oct 2016 · Hurricane Matthew |
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.
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 | Under 0.01% annual chance |
| Exposure | Direct burnable vegetation at the parcel |
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 |
| 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.
Source: FCC Broadband Data Collection, based on 324 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 | 300 / 20 |
| T-Mobile USA Fixed Wireless | 100 / 20 |
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