434 E Harding St, Orlando, FL 32806 Property Records

Orange County property record for 434 E Harding St, Orlando, FL 32806

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,385 sqft · built 1930
Lot Size	0.164 acres (7,143 sqft)
Owner	Individual Name on Record
Last Sale	$517,000 (Jul 2025)
Tax Bill	$6,443 (2025)
Deeds & Mortgages	Jul 2025 Sale & Mortgage Jul 2023 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`01-23-29-2004-01-240`

Property Details

APN / Parcel Number

Primary APN	`01-23-29-2004-01-240`
Alternative APNs	`292301200401240` `384391` `389675` `394126`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,385 sqft Living Area
Gross Area	1,698 sqft
1st Floor Area	1,361 sqft
Flooring	Wood
Interior Walls	Plaster

Exterior

Year Built	Built 1930
Effective Year Built	Effective 1975
Exterior Material	Aluminum/Vinyl
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	7,143 sqft (0.164 acres)
Garage Type	Carport
Carport	Carport
Parking Spaces	1 Parking Space
Porch	Enclosed/Unfinished Porch
Porch Area	417 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	434 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 24 BLK A
Legal Range	29E
Legal Township	23S
Legal Section	01
Legal Subdivision	DELANEY TERRACE
Legal Tract	2004
Legal Block	A
Legal Lot Number	24
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 are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Individual Name on Record
Mailing Address	434 E HARDING ST, ORLANDO, FL 32806-4030
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Single Woman

Deeds, Mortgages & Sale History

Date	Document
Jul 9, 2025	Warranty Deed, Transfer · Conventional Mortgage REGIONS BANK
Jul 11, 2023	Intrafamily Transfer, Transfer · Conventional Mortgage JPMORGAN CHASE BANK NA

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 9, 2025 · Amount on Record
Deed Sale	Jul 9, 2025 · Amount on Record
Prior Sale	Jun 18, 2004 · Amount on Record
Deed Document Number	2025397960
Prior Transfer Date	Jul 5, 2023
Prior Transfer Doc	0000384770
Record Updated	Oct 29, 2026

July 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ORANGE FL
Recording Date	Jul 9, 2025
Property Address	434 E HARDING ST, ORLANDO, FL 32806-4030
Document Number	0000397960
Map Reference	MB P PG 36
Instrument Date	Jul 8, 2025
Instrument	20250397960
Transaction Type	Transfer
Record Updated	Apr 2, 2026
Title Company	FIRST INT'L TITLE, FIRST INTL TITLE LLC

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$3,619.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	701 BAY CT, ORLANDO, FL 32836-5600

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	434 E HARDING ST, ORLANDO, FL 32806-4030

Mortgage

Document Number	0000397961
Date	Jul 9, 2025
Instrument	20250397961

Lender

Name	REGIONS BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2055

July 2023: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	ORANGE FL
Recording Date	Jul 11, 2023
Property Address	434 E HARDING ST, ORLANDO, FL 32806-4030
Document Number	0000384770
Map Reference	MB P PG 36
Instrument Date	Jul 5, 2023
Instrument	20230384770
Transaction Type	Transfer
Record Updated	Jul 28, 2023
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	701 BAY CT, ORLANDO, FL 32836-5600

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	701 BAY CT, ORLANDO, FL 32836-5600

Mortgage

Document Number	0000384771
Date	Jul 11, 2023
Instrument	20230384771

Lender

Name	JPMORGAN CHASE BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	301 Months
Due	Aug 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		$379,280 (+19.15%) Land $230,000 Building $149,280	$379,280 (-1.6%) Land $230,000 Building $149,280
2025	$6,443.00 (+7.13%)	$318,330 (-7.35%)	$385,430 (+12.18%) Land $230,000 Building $155,430
2024	$6,014.00 (+11.74%)
2023	$5,382.00 (+13.04%)	$343,573 (+19.38%) Land $205,000 Building $138,573	$343,573 (+19.38%) Land $205,000 Building $138,573
2022	$4,761.00	$287,802 Land $170,000 Building $117,802	$287,802 Land $170,000 Building $117,802

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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