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437 E Harding St, Orlando, FL 32806 Property Records

Orange County property record for 437 E Harding St, Orlando, FL 32806 · Last verified May 2026

Property Summary

Property TypeSingle Family Home
Details4 bd · 2.5 ba · 2,548 sqft · built 2020
Lot Size0.163 acres (7,092 sqft)
Owner2 Individual Names on File
Last Sale$710,000 (Feb 2021)
Tax Bill$9,182 (2025)
Deeds & MortgagesFeb 2021 Sale & Mortgage
Jun 2017 Sale
Flood ZoneZone X (minimal risk)
APN01-23-29-4548-00-570

Property Details

APN / Parcel Number

Primary APN01-23-29-4548-00-570
Alternative APNs
  • 292301454800570
  • 385236
  • 390519
  • 394973

Interior

Bedrooms4 Beds
Full Baths2.5 Baths
Half Baths1 Half Bath
Stories2 Stories
Building Area2,548 sqft Living Area
Gross Area4,020 sqft
1st Floor Area1,288 sqft
FlooringCarpet
Fireplaces1 Fireplace
FireplaceFireplace

Exterior

Year BuiltBuilt 2020
Effective Year BuiltEffective 2020
Exterior MaterialConcrete Block
Roof TypeGable/Hip
Roof MaterialComposition Shingle
Lot Area7,092 sqft (0.163 acres)
Garage TypeDetached
Garage Area420 sqft
PorchSlab
Porch Area852 sqft

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemForced Air with A/C

Location & Zoning

Street Address437 E HARDING ST
CityORLANDO
StateFL
Zip32806-4029
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionLAKE LANCASTER PLACE G/108 LOT 57
Legal SubdivisionLAKE LANCASTER PLACE
Legal Tract4548
Legal Lot Number57
JurisdictionORANGE FL
Township / Civil DivisionORLANDO
Census Block Group3
Census Block3017
Census Tract11300

Owner

Source: Orange County records · APN 01-23-29-4548-00-570

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 Address437 E HARDING ST, ORLANDO, FL 32806-4029
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Feb 22, 2021Warranty Deed, Transfer · Conventional Mortgage
FAIRWINDS CU
Jun 08, 2017Warranty Deed, Transfer
SOUTHERN TITLE HOLDINGS COMPANY LLC, SOUTHERN TITLE HOLDINGS CO LLC

Assessor's Deed Record

Deed Names2 Verified Names on Deed
Last SaleFeb 22, 2021 · Amount on Record
Deed SaleFeb 22, 2021 · Amount on Record
Prior SaleJun 08, 2017 · Amount on Record
Deed Document Number2021103620
Record UpdatedJun 08, 2026

February 2021: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionORANGE FL
Recording DateFeb 22, 2021
Property Address437 E HARDING ST, ORLANDO, FL 32806-4029
Document Number0000103620
Map ReferenceMB G PG 108
Instrument DateFeb 16, 2021
Instrument20210103620
Transaction TypeTransfer
Record UpdatedAug 01, 2022
Title CompanyATTORNEY

Transaction

AmountAmount Recorded
DownpaymentDownpayment on File
Loan-to-Value (LTV)LTV on Record
Tax$4,970.00
Amount AccuracyFull Amount Stated
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address5300 S ORANGE AVE, 5300, ORLANDO, FL 32809-3402

Transferred To (Grantee/Buyer)

NameVerified Name
Address437 E HARDING ST, ORLANDO, FL 32806-4029

Mortgage

Document Number0000103621
DateFeb 22, 2021
Instrument20210103621
Lender
NameFAIRWINDS CU
TypeCredit Union
AddressORLANDO, FL 32826
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term361 Months
DueMar 01, 2051

June 2017: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionORANGE FL
Recording DateJun 08, 2017
Property Address437 E HARDING ST, ORLANDO, FL 32806-4029
Document Number0000321548
Instrument DateJun 02, 2017
Instrument321548
Transaction TypeTransfer
Record UpdatedJul 24, 2017
Title CompanySOUTHERN TITLE HOLDINGS COMPANY LLC, SOUTHERN TITLE HOLDINGS CO LLC

Transaction

AmountAmount Recorded
Tax$2,625.00
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipCompany
Address5300 S ORANGE AVE ORLANDO FL 328093402, ORLANDO, FL 32809-3402

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$549,663 (+2.7%)$742,900 (-0.99%) Land $230,000 Building $512,900
2025$9,182.00 (+4.87%) Homeowner's exemption$535,212 (+5.99%)$750,330 (+13.16%) Land $230,000 Building $520,330
2024$8,756.00 (+3.76%)
2023$8,439.00 (+2.9%) Homeowner's exemption$504,979 (+3%)$663,051 (+19.6%) Land $205,000 Building $458,051
2022$8,201.00 Homeowner's exemption$490,271$554,394 Land $170,000 Building $384,394

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 RiskLow
above 6% of the US · above 5% of Florida
Wildfire LikelihoodAbout 1 in 4,167 per year
ExposureDirect
burnable vegetation at the parcel

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 353 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. Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE

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