441 E Harding St, Orlando, FL 32806 Property Records

Orange County property record for 441 E Harding St, Orlando, FL 32806

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,902 sqft · built 1925
Lot Size	0.163 acres (7,087 sqft)
Owner	Individual Name on File
Last Sale	$599,900 (Oct 2020)
Tax Bill	$10,350 (2025)
Deeds & Mortgages	Oct 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`01-23-29-4548-00-580`

Property Details

APN / Parcel Number

Primary APN	`01-23-29-4548-00-580`
Alternative APNs	`292301454800580` `385237` `390520` `394974`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Stories	2 Stories
Building Area	1,902 sqft Living Area
Gross Area	3,000 sqft
1st Floor Area	960 sqft
Flooring	Wood
Interior Walls	Plaster
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1925
Effective Year Built	Effective 2015
Exterior Material	Concrete Block
Roof Type	Cathedral/Clerestory
Roof Material	Tile
Lot Area	7,087 sqft (0.163 acres)
Garage Type	Detached
Garage Area	400 sqft
Porch	Slab
Porch Area	532 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	441 E HARDING ST
City	ORLANDO
State	FL
Zip	32806-4029
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1/T
Legal Description	LAKE LANCASTER PLACE G/108 LOT 58
Legal Range	29E
Legal Township	23S
Legal Section	01
Legal Subdivision	LAKE LANCASTER PLACE
Legal Lot Number	58
Jurisdiction	ORANGE FL
Township / Civil Division	ORLANDO
Census Block Group	3
Census Block	3017
Census Tract	11300

Owner

Source: Orange County records · APN 01-23-29-4548-00-580

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 Record	Individual Name on File
Mailing Address	441 E HARDING ST, ORLANDO, FL 32806-4029
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Oct 15, 2020 · Amount on Record
Deed Sale	Oct 15, 2020 · Amount on Record
Deed Document Number	2020539492
Record Updated	Jun 08, 2026

October 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ORANGE FL
Recording Date	Oct 15, 2020
Property Address	441 E HARDING ST, ORLANDO, FL 32806-4029
Document Number	0000539492
Instrument Date	Oct 13, 2020
Instrument	539492
Transaction Type	Transfer
Record Updated	Nov 03, 2020
Title Company	TITLE SERVICE AND LIAISON COMPANIES, SIMPLIFILE LC E-RECORDING

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$4,199.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	441 E HARDING ST ORLANDO FL 328064029, ORLANDO, FL 32806-4029

Mortgage

Document Number	539493
Date	Oct 15, 2020
Instrument	539493

Lender

Name	FBC MTG
Type	Mortgage Company
Address	ORLANDO, FL 32801

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 14, 2050

Tax Assessment & Valuation

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

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$616,005 (+2.7%)	$753,390 (-1.07%) Land $230,000 Building $523,390
2025	$10,350.00 (+3.4%) Homeowner's exemption	$599,810 (+5.99%)	$761,540 (+13.1%) Land $230,000 Building $531,540
2024	$10,010.00 (+4.11%)
2023	$9,615.00 (+2.86%) Homeowner's exemption	$565,928 (+3%)	$673,349 (+19.46%) Land $205,000 Building $468,349
2022	$9,348.00 Homeowner's exemption	$549,445	$563,675 Land $170,000 Building $393,675

Flood & Wildfire

Source: FEMA National Flood Hazard Layer as of September 24, 2026 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026

Flood

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

Wildfire

Wildfire Risk	Low lower than 94% of the US · lower than 94% of Florida
Wildfire Likelihood	0.02% annual chance
Exposure	Direct 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 as of December 31, 2025 · Last verified October 2026

Provider	Max Down / Up (Mbps)
AT&T Fiber · DSL	5,000 / 5,000
Spectrum Cable	1,000 / 1,000
T-Mobile USA Fixed Wireless	100 / 20

May also be available: Verizon.

Based on FCC filings for 353 locations within half a mile of this property.

Drinking Water

Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026

Water System	ORLANDO UTILITIES COMMISSION serves 536,466 people
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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.