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423 E Harding St, Orlando, FL 32806 Property Records

Orange County property record for 423 E Harding St, Orlando, FL 32806 · Last verified May 2026

Property Summary

Property TypeSingle Family Home
Details3 bd · 1.5 ba · 1,096 sqft · built 1954
Lot Size0.163 acres (7,108 sqft)
Owner2 Individual Names on File
Last Sale$245,000 (Apr 2016)
Tax Bill$3,523 (2025)
Deeds & MortgagesMar 2021 Mortgage
Aug 2019 Mortgage
Flood ZoneZone X (minimal risk)
APN01-23-29-4548-00-540

Property Details

APN / Parcel Number

Primary APN01-23-29-4548-00-540
Alternative APNs
  • 292301454800540
  • 385232
  • 390515
  • 394969

Interior

Bedrooms3 Beds
Full Baths1.5 Baths
Half Baths1 Half Bath
Stories1 Story
Building Area1,096 sqft Living Area
Gross Area1,450 sqft
1st Floor Area1,012 sqft
FlooringCarpet
Interior WallsPlaster

Exterior

Year BuiltBuilt 1954
Effective Year BuiltEffective 1999
Exterior MaterialConcrete
Roof TypeGable/Hip
Roof MaterialComposition Shingle
Lot Area7,108 sqft (0.163 acres)
Garage Area240 sqft
Parking Spaces1 Parking Space
PorchSlab
Porch Area198 sqft
Shed1 Shed

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemForced Air with A/C
Heating FuelElectric

Location & Zoning

Street Address423 E HARDING ST
CityORLANDO
StateFL
Zip32806-4029
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionLAKE LANCASTER PLACE G/108 LOT 54
Legal Range29E
Legal Township23S
Legal Section01
Legal SubdivisionLAKE LANCASTER PLACE
Legal Tract4548
Legal Lot Number54
JurisdictionORANGE FL
Township / Civil DivisionORLANDO
Census Block Group3
Census Block3017
Census Tract11300

Owner

Source: Orange County records · APN 01-23-29-4548-00-540

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 Record2 Individual Names on File
Mailing Address423 E HARDING ST, ORLANDO, FL 32806-4029
OccupancyOwner Occupied
Owner TypeIndividual
VestingJoint Tenants with Right of Survivorship

Deeds, Mortgages & Sale History

DateDocument
Mar 26, 2021Deed of Trust, Mortgage · Conventional Mortgage
CARDINAL FINANCIAL COMPANY LP
Aug 30, 2019Intrafamily Transfer, Transfer · Conventional Mortgage
STEARNS LENDING LLC

Assessor's Deed Record

Deed Names2 Verified Names on Deed
Last SaleApr 05, 2016 · Amount on Record
Deed SaleApr 05, 2016 · Amount on Record
Prior SaleAug 24, 2009 · Amount on Record
Deed Document Number2016168537
Last Transfer DateAug 21, 2019
Transfer Doc0000539890
Record UpdatedJun 08, 2026

March 2021: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionORANGE FL
Property Address423 E HARDING ST, ORLANDO, FL 32806-4029
Transaction TypeMortgage
Record UpdatedApr 16, 2021

Transferred To (Grantee/Buyer)

NameVerified Name
Address423 E HARDING ST, ORLANDO, FL 32806-4029

Mortgage

Document Number20210174141
DateMar 26, 2021
Instrument20210174141
Lender
NameCARDINAL FINANCIAL COMPANY LP
TypeMortgage Company
AddressFLINT, MI 48501
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term361 Months
DueApr 01, 2051

August 2019: Intrafamily Transfer, Transfer

Document TypeIntrafamily Transfer
JurisdictionORANGE FL
Recording DateAug 30, 2019
Property Address423 E HARDING ST, ORLANDO, FL 32806-4029
Document Number0000539890
Map ReferenceMB G PG 108
Instrument DateAug 21, 2019
Instrument20190539890
Transaction TypeTransfer
Record UpdatedJan 03, 2022
Title CompanyALL FL PROFESSIONAL TTL LLC

Transaction

Tax$0.00
Amount AccuracyNo Consideration Stated
Additional
  • Intrafamily Transfer

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipJoint Tenants with Right of Survivorship
Address423 E HARDING ST, ORLANDO, FL 32806-4029

Mortgage

Document Number0000539891
DateAug 30, 2019
Instrument20190539891
Lender
NameSTEARNS LENDING LLC
TypeFunding / Finance Company
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term361 Months
DueSep 01, 2049

Tax Assessment & Valuation

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

Property Jurisdictions

TypeName
StateFlorida
CountyOrange County
MunicipalityOrlando City
Unified School DistrictOrange 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.

YearTax BillAssessed ValueAssessed Market Value
2026$232,613 (+2.7%)$404,093 (-0.34%) Land $230,000 Building $174,093
2025$3,523.00 (+4.14%) Homeowner's exemption$226,498 (+5.99%)$405,483 (+12.63%) Land $230,000 Building $175,483
2024$3,383.00 (+4.8%)
2023$3,228.00 (+3.26%) Homeowner's exemption$213,704 (+3%)$360,023 (+19.74%) Land $205,000 Building $155,023
2022$3,126.00 Homeowner's exemption$207,480$300,662 Land $170,000 Building $130,662

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 ZoneZone X
Special Flood Hazard AreaNo
Flood HazardMinimal
500-Year FloodplainNo
Flood Insurance CostPremium on Record
median of 23 individual NFIP policies nearby
Community Rating SystemClass 6 (20% premium discount)
Nearby Flood Policies23 in force
Nearby Flood Claims7 (2000–2024)
Claims Outside the SFHA4 of 7
Most Recent ClaimSep 2024, rainfall accumulation
Claims By Storm
  • Hurricane Ian, Sep 2022 · 2 claims

Wildfire

Wildfire RiskNot rated
no burnable land in reach
Wildfire LikelihoodNegligible
ExposureNone
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

ProviderTechnologyDownload / Upload (Mbps)
AT&TFiber5,000 / 5,000
SpectrumCable1,000 / 1,000
T-Mobile USAFixed Wireless100 / 20
AT&TDSL100 / 20
StarlinkSatellite (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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