412 E Harding St, Orlando, FL 32806 Property Records

Orange County property record for 412 E Harding St, Orlando, FL 32806 · Last verified May 2026

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,034 sqft · built 2015
Lot Size	0.165 acres (7,168 sqft)
Owner	2 Individual Names on File
Last Sale	$600,000 (Jan 2020)
Tax Bill	$9,598 (2025)
Deeds & Mortgages	Sep 2021 Mortgage Jan 2020 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`01-23-29-2004-01-180`

Property Details

APN / Parcel Number

Primary APN	`01-23-29-2004-01-180`
Alternative APNs	`292301200401180` `384383` `389668` `394119`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	2 Stories
Building Area	2,034 sqft Living Area
Gross Area	3,241 sqft
1st Floor Area	1,000 sqft
Flooring	Wood
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2015
Effective Year Built	Effective 2015
Exterior Material	Stone
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	7,168 sqft (0.165 acres)
Garage Type	Detached
Garage Area	440 sqft
Parking Spaces	3 Parking Spaces
Porch	Slab
Porch Area	273 sqft
Total Buildings	2 Buildings

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	412 E HARDING ST
City	ORLANDO
State	FL
Zip	32806-4030
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	DELANEY TERRACE P/36 LOT 18 BLK A
Legal Range	29E
Legal Township	23S
Legal Section	01
Legal Subdivision	DELANEY TERRACE
Legal Tract	2004
Legal Block	A
Legal Lot Number	18
Jurisdiction	ORANGE FL
Township / Civil Division	ORLANDO
Census Block Group	3
Census Block	3022
Census Tract	11300

Owner

Source: Orange County records · APN 01-23-29-2004-01-180

Assessment roll updated April 30, 2026 · Last verified May 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	412 E HARDING ST, ORLANDO, FL 32806-4030
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 14, 2021	Deed of Trust, Mortgage · Conventional Mortgage WELLS FARGO BANK NA
Jan 27, 2020	Warranty Deed, Transfer · Conventional Mortgage PRIMARY RESIDENTIAL MORTGAGE INC
Oct 31, 2019	Deed of Trust, Mortgage · Line of Credit SUNTRUST BK

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Jan 27, 2020 · Amount on Record
Deed Sale	Jan 27, 2020 · Amount on Record
Prior Sale	Jan 30, 2015 · Amount on Record
Deed Document Number	202052769
Record Updated	Jun 08, 2026

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ORANGE FL
Property Address	412 E HARDING ST, ORLANDO, FL 32806-4030
Transaction Type	Mortgage
Record Updated	Sep 30, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	412 E HARDING ST, ORLANDO, FL 32806-4030

Mortgage

Document Number	20210557516
Date	Sep 14, 2021
Instrument	20210557516

Lender

Name	WELLS FARGO BANK NA
Type	Bank
Address	SIOUX FALLS, SD 57104

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	356 Months
Due	May 01, 2051

January 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ORANGE FL
Recording Date	Jan 27, 2020
Property Address	412 E HARDING ST, ORLANDO, FL 32806-4030
Document Number	0000052769
Map Reference	MB P PG 36
Instrument Date	Jan 13, 2020
Instrument	20200052769
Transaction Type	Transfer
Record Updated	Jan 03, 2022
Title Company	ORLANDO TITLE SERVICES LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$4,200.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	610 E GORE ST, 610, ORLANDO, FL 32806-1339

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	412 E HARDING ST, ORLANDO, FL 32806-4030

Mortgage

Document Number	0000052770
Date	Jan 27, 2020
Instrument	20200052770

Lender

Name	PRIMARY RESIDENTIAL MORTGAGE INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 01, 2050

October 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ORANGE FL
Property Address	412 E HARDING ST, ORLANDO, FL 32806-4030
Document Number	0000708461
Instrument Date	Oct 31, 2019
Transaction Type	Mortgage
Record Updated	Nov 28, 2019
Title Company	TITLE 365

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Married Couple
Address	412 E HARDING ST ORLANDO FL 328064030, ORLANDO, FL 32806-4030

Mortgage

Document Number	0000708461
Date	Nov 11, 2019
Instrument	708461

Lender

Name	SUNTRUST BK
Type	Bank
Address	ORLANDO, FL 32809

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Nov 10, 2049

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

Source: Orange County records · Assessment roll updated April 30, 2026 · Last verified May 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

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$573,303 (+2.7%)	$739,570 (-1.11%) Land $230,000 Building $509,570
2025	$9,598.00 (+3.44%) Homeowner's exemption	$558,231 (+5.99%)	$747,900 (+12.59%) Land $230,000 Building $517,900
2024	$9,279.00 (+4.18%)
2023	$8,907.00 (+2.88%) Homeowner's exemption	$526,698 (+3%)	$664,295 (+18.68%) Land $205,000 Building $459,295
2022	$8,658.00 Homeowner's exemption	$511,357	$559,751 Land $170,000 Building $389,751

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Orange County (12095C), updated September 24, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 120950113003, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No
Flood Insurance Cost	Premium on Record median of 23 individual NFIP policies nearby
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 Storm	Hurricane Ian, Sep 2022 · 2 claims

Wildfire

Wildfire Risk	Not rated no burnable land in reach
Wildfire Likelihood	Negligible
Exposure	None beyond ember reach

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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 500 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
AT&T	Fiber	5,000 / 5,000
Spectrum	Cable	1,000 / 1,000
T-Mobile USA	Fixed Wireless	100 / 20
AT&T	DSL	100 / 20
Starlink	Satellite (low-earth orbit)	280 / 30

May also be available at this address: Verizon, AT&T, Orlando Telephone Company, Spectrum. Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE

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