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523 E Harding St, Orlando, FL 32806 Property Records

Orange County property record for 523 E Harding St, Orlando, FL 32806

Property Summary

Property TypeSingle Family Home
Details3 bd · 2 ba · 1,897 sqft · built 1969
Lot Size0.162 acres (7,072 sqft)
Owner2 Individual Names on Record
Last Sale$210,000 (Apr 2012)
Tax Bill$3,534 (2025)
Deeds & MortgagesApr 2021 Mortgage
Sep 2017 Mortgage
Flood ZoneZone X (minimal risk)
APN01-23-29-4548-00-639

Property Details

APN / Parcel Number

Primary APN01-23-29-4548-00-639
Alternative APNs
  • 292301454800639
  • 385243
  • 390527
  • 394982

Interior

Bedrooms3 Beds
Full Baths2 Baths
Stories2 Stories
Building Area1,897 sqft Living Area
Gross Area3,308 sqft
1st Floor Area887 sqft
Utility Area523 sqft
FlooringCarpet
Interior WallsWallboard/Drywall
Fireplaces1 Fireplace
FireplaceFireplace

Exterior

Year BuiltBuilt 1969
Effective Year BuiltEffective 1980
Exterior MaterialConcrete
Roof TypeGable/Hip
Roof MaterialComposition Shingle
Lot Area7,072 sqft (0.162 acres)
Garage TypeDetached
Garage Area480 sqft
Parking Spaces2 Parking Spaces
PorchSlab
Porch Area249 sqft
Patio Area185 sqft

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemForced Air with A/C
Heating FuelElectric

Location & Zoning

Street Address523 E HARDING ST
CityORLANDO
StateFL
Zip32806-4031
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodeR-1/T
Legal DescriptionLAKE LANCASTER PLACE G/108 LOT 64
Legal Range29E
Legal Township23S
Legal Section01
Legal SubdivisionLAKE LANCASTER PLACE
Legal Tract4548
Legal Lot Number64
JurisdictionORANGE FL
Township / Civil DivisionORLANDO
Census Block Group3
Census Block3016
Census Tract11300

Owner

Source: Orange County records, as of May 4, 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 Record2 Individual Names on Record
Mailing Address523 E HARDING ST, ORLANDO, FL 32806-4031
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Apr 12, 2021Deed of Trust, Mortgage · Conventional Mortgage
QUICKEN LOANS LLC
Sep 1, 2017Deed of Trust, Mortgage · Conventional Mortgage
FAIRWINDS CU

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleApr 24, 2012 · Amount on Record
Deed SaleApr 24, 2012 · Amount on Record
Prior SaleJun 8, 1998 · Amount on Record
Deed Document Number2012213565
Deed Book / Page10366 / 1300
Record UpdatedJun 8, 2026

April 2021: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionORANGE FL
Property Address523 E HARDING ST, ORLANDO, FL 32806-4031
Transaction TypeMortgage
Record UpdatedDec 9, 2025

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number0000213056
DateApr 12, 2021
Instrument20210213056
Lender
NameQUICKEN LOANS LLC
TypeMortgage Company
AddressDETROIT, MI 48226
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term361 Months
DueMay 1, 2051

September 2017: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionORANGE FL
Property Address523 E HARDING ST, ORLANDO, FL 32806-4031
Document Number0000506343
Instrument DateSep 1, 2017
Transaction TypeMortgage
Record UpdatedSep 27, 2017
Title CompanyMORTGAGE TITLE SERVICES INC, MORTGAGEE TITLE SERVICES INC

Transferred To (Grantee/Buyer)

NameVerified Name
Address523 E HARDING ST ORLANDO FL 328064031, ORLANDO, FL 32806-4031

Mortgage

Document Number0000506343
DateSep 14, 2017
Instrument506343
Lender
NameFAIRWINDS CU
AddressORLANDO, FL 32826
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term360 Months
DueSep 13, 2047

Tax Assessment & Valuation

Source: Orange County assessment roll, as of April 30, 2026

Property Jurisdictions

TypeName
StateFlorida
CountyOrange County
MunicipalityOrlando City
Unified School DistrictOrange County School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2026$232,932 (+2.7%)$514,640 (-2.01%) Land $230,000 Building $284,640
2025$3,534.00 (+4.16%) Homeowner's exemption$226,808 (+5.99%)$525,200 (+12.31%) Land $230,000 Building $295,200
2024$3,393.00 (+4.88%)
2023$3,235.00 (+3.26%) Homeowner's exemption$213,996 (+3%)$467,636 (+9.19%) Land $205,000 Building $262,636
2022$3,133.00 Homeowner's exemption$207,763$428,264 Land $205,000 Building $223,264

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 ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it
Flood Insurance CostPremium on Record
median of 23 policies
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 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 RiskLow
lower than 94% of the US · lower than 94% of Florida
Wildfire Likelihood0.02% annual chance
ExposureDirect
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 SystemORLANDO UTILITIES COMMISSION
serves 536,466 people · EPA ID FL3480962
Water SourceGroundwater
Last State InspectionAug 2024
Lead2 ppb (2023)
action level 15 ppb

Violations Reported to EPA

Water QualityTotal trihalomethanes
resolved · Jul 2019
Treatment and ProcedureNone
last 10 years
Monitoring and ReportingNone
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

ProviderMax 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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