422 E Harding St, Orlando, FL 32806 Property Records

Orange County property record for 422 E Harding St, Orlando, FL 32806

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 2,432 sqft · built 2000
Lot Size	0.164 acres (7,156 sqft)
Owner	2 Individual Names on Record
Last Sale	$415,000 (Sep 2018)
Tax Bill	$8,096 (2025)
Deeds & Mortgages	Jun 2021 Mortgage Sep 2018 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`01-23-29-2004-01-210`

Property Details

APN / Parcel Number

Primary APN	`01-23-29-2004-01-210`
Alternative APNs	`292301200401210` `384387` `389671` `394122`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	2,432 sqft Living Area
Gross Area	2,826 sqft
1st Floor Area	2,432 sqft
Flooring	Wood
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2000
Effective Year Built	Effective 2000
Exterior Material	Concrete Block
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	7,156 sqft (0.164 acres)
Garage Type	Attached
Garage Area	364 sqft
Parking Spaces	1 Parking Space

Exterior Amenities

Porch	Slab
Porch Area	30 sqft
Shed	1 Shed
Total Buildings	2 Buildings

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	422 E HARDING ST
City	ORLANDO
State	FL
Zip	32806-4030
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1/T
Legal Description	DELANEY TERRACE P/36 LOT 21 BLK A
Legal Range	29E
Legal Township	23S
Legal Section	01
Legal Subdivision	DELANEY TERRACE
Legal Tract	2004
Legal Block	A
Legal Lot Number	21
Jurisdiction	ORANGE FL
Township / Civil Division	ORLANDO
Census Block Group	3
Census Block	3022
Census Tract	11300

Owner

Source: Orange County records, as of June 2, 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	422 E HARDING ST, ORLANDO, FL 32806-4030
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 18, 2021	Intrafamily Transfer, Transfer · Conventional Mortgage ARK-LA-TEX FINANCIAL SERVICES LLC
Sep 6, 2018	Warranty Deed, Transfer · Conventional Mortgage PROVIDENT FUNDING ASSOCIATES LP

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 6, 2018 · Amount on Record
Deed Sale	Sep 6, 2018 · Amount on Record
Prior Sale	Feb 17, 2015 · Amount on Record
Deed Document Number	2018527768
Last Transfer Date	Jun 2, 2021
Transfer Doc	20210365665
Record Updated	Sep 20, 2026

June 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	ORANGE FL
Recording Date	Jun 18, 2021
Property Address	422 E HARDING ST, ORLANDO, FL 32806-4030
Document Number	20210365665
Map Reference	MB P PG 36
Instrument Date	Jun 2, 2021
Instrument	20210365665
Transaction Type	Transfer
Record Updated	Jul 6, 2021
Title Company	EXECUTIVE TTL SVCS OF FL INC

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	422 E HARDING ST, ORLANDO, FL 32806-4030

Mortgage

Document Number	20210365666
Date	Jun 18, 2021
Instrument	20210365666

Lender

Name	ARK-LA-TEX FINANCIAL SERVICES LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2051

September 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ORANGE FL
Recording Date	Sep 6, 2018
Property Address	422 E HARDING ST, ORLANDO, FL 32806-4030
Document Number	0000527768
Map Reference	MB P PG 36
Instrument Date	Sep 4, 2018
Instrument	20180527768
Transaction Type	Transfer
Record Updated	Jan 3, 2022
Title Company	FIRST AMERICAN TITLE INSURAN

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,905.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1013 ENSENADA DR, 1013, ORLANDO, FL 32825-8305

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	422 E HARDING ST, ORLANDO, FL 32806-4030

Mortgage

Document Number	0000527769
Date	Sep 6, 2018
Instrument	20180527769

Lender

Name	PROVIDENT FUNDING ASSOCIATES LP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2048

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		$488,004 (+2.7%)	$693,280 (-1.11%) Land $230,000 Building $463,280
2025	$8,096.00 (+3.56%) Homeowner's exemption	$475,174 (+5.99%)	$701,070 (+12.97%) Land $230,000 Building $471,070
2024	$7,818.00 (+4.69%)
2023	$7,468.00 (+2.92%) Homeowner's exemption	$448,332 (+3%)	$620,554 (+19.4%) Land $205,000 Building $415,554
2022	$7,256.00 Homeowner's exemption	$435,274	$519,721 Land $170,000 Building $349,721

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 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

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 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 Fixed Wireless	100 / 20

May also be available: Summit Broadband, Verizon.

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