430 E Harding St, Orlando, FL 32806 Property Records

Orange County property record for 430 E Harding St, Orlando, FL 32806

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,655 sqft · built 1948
Lot Size	0.164 acres (7,147 sqft)
Owner	2 Individual Names on Record
Tax Bill	$1,710 (2025)
Deeds & Mortgages	Aug 2022 Transfer Nov 2017 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`01-23-29-2004-01-230`

Property Details

APN / Parcel Number

Primary APN	`01-23-29-2004-01-230`
Alternative APNs	`292301200401230` `384390` `389674` `394125`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,655 sqft Living Area
Gross Area	2,515 sqft
1st Floor Area	1,655 sqft
Flooring	Parquet
Interior Walls	Plaster

Exterior

Year Built	Built 1948
Effective Year Built	Effective 1975
Exterior Material	Concrete
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	7,147 sqft (0.164 acres)
Garage Type	Detached
Garage Area	480 sqft
Parking Spaces	2 Parking Spaces
Porch	Florida Room
Porch Area	380 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	430 E HARDING ST
City	ORLANDO
State	FL
Zip	32806-4035
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1/T
Legal Description	DELANEY TERRACE P/36 LOT 23 BLK A
Legal Range	29E
Legal Township	23S
Legal Section	01
Legal Subdivision	DELANEY TERRACE
Legal Tract	2004
Legal Block	A
Legal Lot Number	23
Jurisdiction	ORANGE FL
Township / Civil Division	ORLANDO
Census Block Group	3
Census Block	3022
Census Tract	11300

Owner

Source: Orange County records, 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	2 Individual Names on Record
Mailing Address	430 E HARDING ST, ORLANDO, FL 32806-4035
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Life Estate

Deeds, Mortgages & Sale History

Date	Document
Aug 18, 2022	Intrafamily Transfer, Transfer ACCOMODATION, ACCOMMODATION
Nov 8, 2017	Deed of Trust, Mortgage · Line of Credit SUNTRUST BK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Transfer Date	Aug 17, 2022
Transfer Doc	0000508102
Record Updated	Jun 8, 2026

August 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	ORANGE FL
Recording Date	Aug 18, 2022
Property Address	430 E HARDING ST, ORLANDO, FL 32806-4035
Document Number	0000508102
Map Reference	MB P PG 36
Instrument Date	Aug 17, 2022
Instrument	20220508102
Transaction Type	Transfer
Record Updated	Sep 1, 2022
Title Company	ACCOMODATION, ACCOMMODATION

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	430 E HARDING ST, 430, ORLANDO, FL 32806-4035

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4222 N CENTRAL PARK AVE, CHICAGO, IL 60618-2020

November 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ORANGE FL
Property Address	430 E HARDING ST, ORLANDO, FL 32806-4035
Document Number	0000628652
Instrument Date	Nov 8, 2017
Transaction Type	Mortgage
Record Updated	Aug 28, 2018
Title Company	AMERICAN TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Married Couple
Address	430 E HARDING ST ORLANDO FL 328064035, ORLANDO, FL 32806-4035

Mortgage

Document Number	0000628652
Date	Nov 16, 2017
Instrument	628652

Lender

Name	SUNTRUST BK
Type	Bank
Address	ORLANDO, FL 32809

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Nov 15, 2047

Interest

Rate Type	Adjustable Rate

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		$130,565 (+2.7%)	$404,470 (-1.75%) Land $230,000 Building $174,470
2025	$1,710.00 (+6.61%) Homeowner's exemption Widower's exemption	$127,132 (+5.99%)	$411,690 (+12.2%) Land $230,000 Building $181,690
2024	$1,604.00 (+4.29%)
2023	$1,538.00 (+3.99%) Homeowner's exemption	$119,950 (+3%)	$366,925 (+19.3%) Land $205,000 Building $161,925
2022	$1,479.00 Homeowner's exemption	$116,456	$307,564 Land $170,000 Building $137,564

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 94% of the US · lower than 94% of Florida
Wildfire Likelihood	0.02% annual chance
Exposure	Direct burnable vegetation

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 353 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	1,000 / 1,000
T-Mobile Fixed Wireless	100 / 20

May also be available: Verizon.

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