415 E Harding St, Orlando, FL 32806 Property Records

Orange County property record for 415 E Harding St, Orlando, FL 32806 · Last verified May 2026

Property Summary

Property Type	Single Family Home
Details	8 bd · 7.25 ba · 5,492 sqft · built 2020
Lot Size	0.163 acres (7,119 sqft)
Owner	Individual Name on File
Last Sale	$915,000 (Oct 2022)
Tax Bill	$15,005 (2025)
Deeds & Mortgages	Oct 2022 Sale & Mortgage Sep 2020 Line of Credit + 3 more
Flood Zone	Zone X (minimal risk)
APN	`01-23-29-4548-00-520`

Property Details

APN / Parcel Number

Primary APN	`01-23-29-4548-00-520`
Alternative APNs	`292301454800520` `385229` `390513` `394966`

Interior

Bedrooms	8 Beds
Full Baths	7.25 Baths
Half Baths	2 Half Baths
Stories	2 Stories
Building Area	5,492 sqft Living Area
Gross Area	7,194 sqft
1st Floor Area	1,857 sqft
Flooring	Carpet

Exterior

Year Built	Built 2020
Effective Year Built	Effective 2020
Exterior Material	Concrete Block
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	7,119 sqft (0.163 acres)
Garage Type	Attached
Garage Area	494 sqft
Porch	Porch
Porch Area	168 sqft
Total Buildings	3 Buildings

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	415 E HARDING ST
City	ORLANDO
State	FL
Zip	32806-4029
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LAKE LANCASTER PLACE G/108 LOT 52
Legal Subdivision	LAKE LANCASTER PLACE
Legal Tract	4548
Legal Lot Number	52
Jurisdiction	ORANGE FL
Township / Civil Division	ORLANDO
Census Block Group	3
Census Block	3017
Census Tract	11300

Owner

Source: Orange County records · APN 01-23-29-4548-00-520

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	Individual Name on File
Mailing Address	415 E HARDING ST, ORLANDO, FL 32806-4029
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Single

Deeds, Mortgages & Sale History

Date	Document
Oct 10, 2022	Warranty Deed, Transfer · Conventional Mortgage COMMERCE BANK
Sep 28, 2020	Deed of Trust, Mortgage · Line of Credit QUORUM FCU
Oct 01, 2020	Warranty Deed, Subdivision Related Transfer · Conventional Mortgage FAIRWAY INDEPENDENT MTG
Jan 21, 2020	Warranty Deed, Transfer TOWN SQUARE TITLE LIMITED, TOWN SQUARE TITLE LTD
Sep 21, 2018	Quit Claim Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Oct 10, 2022 · Amount on Record
Deed Sale	Oct 10, 2022 · Amount on Record
Prior Sale	Oct 01, 2020 · Amount on Record
Deed Document Number	2022614149
Prior Transfer Date	Sep 20, 2018
Prior Transfer Doc	0000559043
Record Updated	Jun 08, 2026

October 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ORANGE FL
Recording Date	Oct 10, 2022
Property Address	415 E HARDING ST, ORLANDO, FL 32806-4029
Document Number	0000614149
Map Reference	MB G PG 108
Instrument Date	Oct 07, 2022
Instrument	20220614149
Transaction Type	Transfer
Record Updated	Oct 27, 2022
Title Company	PREMIER TITLE INSURANCE COMPANY LLC, PREMIER TITLE INS CO LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$6,405.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1908 E JEFFERSON ST, 1908, ORLANDO, FL 32803-5924

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	415 E HARDING ST, ORLANDO, FL 32806-4029

Mortgage

Document Number	0000614150
Date	Oct 10, 2022
Instrument	20220614150

Lender

Name	COMMERCE BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 01, 2052

Interest

Rate Type	Adjustable Rate
Rate	4.75%
Type Change Date	Nov 01, 2032
Change Frequency	Annually
Min Rate At Change	2.75%
Max Rate At Change	6.75%
Index	1-Year CMT
Max Rate	10.7%

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ORANGE FL
Property Address	415 E HARDING ST, ORLANDO, FL 32806-4029
Document Number	0000511390
Instrument Date	Sep 28, 2020
Transaction Type	Mortgage
Record Updated	Oct 26, 2020
Title Company	TITLE SERVICE AND LIAISON COMPANIES, SIMPLIFILE LC E-RECORDING

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	13371 DORSTER ST FISHERS IN 460376406, FISHERS, IN 46037-6406

Mortgage

Document Number	0000511390
Date	Oct 01, 2020
Instrument	511390

Lender

Name	QUORUM FCU
Type	Credit Union
Address	PURCHASE, NY 10577

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Sep 30, 2050

Interest

Rate Type	Adjustable Rate

October 2020: Warranty Deed, Subdivision Related Transfer

Document Type	Warranty Deed
Jurisdiction	ORANGE FL
Recording Date	Oct 01, 2020
Property Address	415 E HARDING ST, ORLANDO, FL 32806-4029
Document Number	0000511388
Instrument Date	Sep 28, 2020
Instrument	511388
Transaction Type	Subdivision Related Transfer
Record Updated	Oct 23, 2020
Title Company	TOWN SQUARE TITLE LIMITED, TOWN SQUARE TITLE LTD

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$4,746.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	415 E HARDING ST ORLANDO FL 328064029, ORLANDO, FL 32806-4029

Mortgage

Document Number	511389
Date	Oct 01, 2020
Instrument	511389

Lender

Name	FAIRWAY INDEPENDENT MTG
Type	Mortgage Company
Address	CARROLLTON, TX 75007

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 30, 2050

January 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ORANGE FL
Recording Date	Jan 21, 2020
Property Address	415 E HARDING ST, ORLANDO, FL 32806-4029
Document Number	0000037443
Instrument Date	Jan 15, 2020
Instrument	37443
Transaction Type	Transfer
Record Updated	Feb 12, 2020
Title Company	TOWN SQUARE TITLE LIMITED, TOWN SQUARE TITLE LTD

Transaction

Amount	Amount Recorded
Tax	$1,295.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	1111 N POST OAK RD HOUSTON TX 770557310, HOUSTON, TX 77055-7310
Investor	Possibly a Property Investor

September 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	ORANGE FL
Recording Date	Sep 21, 2018
Property Address	415 E HARDING ST, ORLANDO, FL 32806-4029
Document Number	0000559043
Instrument Date	Sep 20, 2018
Instrument	559043
Transaction Type	Transfer
Record Updated	Oct 08, 2018
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	2801 LAKE ARNOLD PL ORLANDO FL 328061649, ORLANDO, FL 32806-1649

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		$880,308 (+2.7%)	$901,040 (-1.13%) Land $230,000 Building $671,040
2025	$15,005.00 (+3.97%) Homeowner's exemption	$857,165 (+6.73%)	$911,310 (+13.48%) Land $230,000 Building $681,310
2024	$14,432.00 (+3.84%)
2023	$13,898.00 (+12.11%) Homeowner's exemption	$803,084 (+18.64%) Land $205,000 Building $598,084	$803,084 (+18.64%) Land $205,000 Building $598,084
2022	$12,397.00	$676,934 Land $170,000 Building $506,934	$676,934 Land $170,000 Building $506,934

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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