265 days on marketSingle Family Residence▼ Price cut: $21,000 (8/19)
$619,000
3-Bedroom Home in LAKE LANCASTER PLACE
529 E HARDING ST, ORLANDO, FL 32806
Single Family Residence in LAKE LANCASTER PLACE, ORLANDO · No CDD
LAKE LANCASTER PLACE · ORLANDO, FL 32806 · Orange
Listing data updated September 6, 2026 · refreshed twice daily
3Bedrooms
2Bathrooms
1,905Sq Ft
1968Year Built
$325Per Sq Ft
2-car garageNo CDDFEMA Zone X
Momentum Research: independent market analysis, flood data, insurance estimates, buyer leverage, and objective property scoring, alongside the MLS listing. Not just the listing sheet.
29% above
$/sq ft vs community
$325 here vs $252 median sold (12 mo)
Buyer leverage
Balanced market
265 days on market
6.0 months
Supply around this home
Seller <3 · balanced 3-6 · buyer >6
Zone X
Flood risk
Minimal hazard per FEMA; ~99 ft elevation
$3k–$6k/yr
Est. insurance · illustrative
Not a carrier quote; premiums vary widely by property. Get a real quote.
As of September 6, 2026, 529 E Harding St in Lake Lancaster Place, Orlando is listed at $619,000 (1,905 sq ft, about $325 per sq ft). It has been 265 days on market. Listing facts: built in 1968, no HOA. The parcel maps to FEMA flood zone X, outside the special flood hazard area. Figures are from the MLS record and county data; deemed reliable but not guaranteed.
No CDD assessment on record
Built 1968 · 58 yrs
1,905 sq ft of living area
2-car garage
Listed at $619,000 — recent neighborhood median sale price ~$445,000 (nearby sales; deemed reliable, not an appraisal)
265 days on market
HOA ~$50/mo (estimate; confirm)
Momentum Research · LAKE LANCASTER PLACE
Pricing & the LAKE LANCASTER PLACE market
How this home is priced against recent nearby sales, and where LAKE LANCASTER PLACE has been over 25 years. Momentum Research analysis of Stellar MLS records; closed sales, deemed reliable but not guaranteed. Estimates only; see data notes.
This home’s $/sq ft vs. nearby sales
List $/sq ft against recent nearby closed sales; the community median is marked.
Median $/sq ft by year
Community sold $/sq ft, 2015–2024. This home lists at $325/sq ft.
Median sale price by year
12-month median closed price, 2015–2024.
Property timeline
This home’s history
1968BuiltPer public record
Jul 10, 2026First trackedObserved at $640,000
Aug 19, 2026Price cut$619,000
NowActiveCurrently for sale
Build year is from public record. Listing milestones reflect movewithmomentum.com’s own observations since we began tracking this listing and are not the MLS listing history; dates and prices are deemed reliable but not guaranteed.
Financing
Estimated monthly payment
$4,126/mo
Principal & interest $3,199/mo78%
Taxes $542/mo13%
Insurance $336/mo8%
HOA $50/mo1%
$4,126/mo at 20% down, 30-yr @ 6.71% · edit any field to update.
Estimated from today’s asking price and current Orange County tax rates.
⚠️
Many first-time Florida buyers are surprised when property taxes jump after closing. This estimate helps you budget before you make an offer.
Current owner pays $6,650/yr ($554/mo)
+$2,825 more each year
(+42%)
Most of this comes from Florida’s Save Our Homes assessment cap resetting when the home sells — the current owner’s protected assessment doesn’t transfer to a new buyer.
Sources: Florida DOR certified tax roll (2025), Stellar MLS. County public record, not MLS data — matched to this home by parcel ID. Estimates are not a tax bill.
Momentum Scores
Momentum Property Score
52/100
Strongest on: Buyer competition (100), Flood safety (95)
0 limited50100 exceptional
52/100 is below average across the objective indicators below. It reflects only those measures — not the home’s quality, condition, or desirability.
A 0-100 score built from objective property and market data: flood risk, insurance, pricing, supply, affordability, and recent sales. Higher means more measures line up in a buyer’s favor. It reflects only the factors below.
Price vs area0
This home $325/sq ft vs the community 12-month median $252/sq ft.
Affordability0
List price $619,000 vs the community median $445,000. Not a measure of personal affordability.
Flood safety95
FEMA Zone X, ~99 ft elevation. Verify the parcel with FEMA.
Insurance cost50
From FEMA Zone X and a 1968 build. Obtain a property-specific quote.
Renovation upside68
From a 1968 build and $325/sq ft vs the community median $252/sq ft. Not a condition assessment.
Buyer competition100
0% of recent closings here paid cash. A higher cash share means more competition from buyers who don't need financing (lower score).
Momentum Scores are objective, rules-based indicators computed from listing facts, public records, and recent nearby sales. They are not appraisals, valuations, investment advice, or judgments about a neighborhood or who should live there. Verify independently.
Momentum Research
The Momentum read
🟡 Balanced conditions around this listing. 6.0 months of supply in the surrounding market and 265 days on market for this home, against a 265-day area median.Days on market:this home 265Area median: 265 daysWhy it matters: above-median time on market, together with the level of supply, is a clear sign of how much leverage sits with buyers.Momentum Research interpretation of the MLS facts in the snapshot above. Based on Stellar MLS data distributed by MLS GRID for the period 2007 through 2024. As of August 2, 2026.
🟡 Asking $325 per square foot, about 29% above the community’s $252 median. LAKE LANCASTER PLACE’s 12-month median sold price per square foot is $252. MLS facts: Stellar MLS closed sales. A per-square-foot gap is context, not an appraisal; condition, lot, and view set the final number here.
56% of homes in LAKE LANCASTER PLACE are owner-occupied. An estimated 44% are non-owner-occupied, including 14% held in a company or trust and 100% out-of-state owners.Why it matters: a high owner-occupied share typically means fewer rentals nearby and steadier resale demand.Source: Florida Department of Revenue 2025 assessment roll (public records), 869 homes matched. Community-level context.
What’s unique here: one of only 2 active listings in LAKE LANCASTER PLACE, no CDD assessment.
Updated September 6, 2026 · MLS facts carry their source; interpretation lines are Momentum Research · Data sources & freshness
Listing description
About this home
Move-In Ready | Fully Renovated | No HOA | No CDD Located in the heart of Orlando, this stunning concrete-block home offers the perfect blend of modern comfort and unbeatable convenience. Featuring 3 spacious bedrooms, 2 full bathrooms, and over 2,700 SqFt of beautifully updated living space, this home is completely remodeled from top to bottom — just bring your suitcase! Fully furnished exactly as shown ?
Brand-new roof, plumbing, flooring, and finishes ? Granite countertops & laminate wood flooring ? New A/C system with individual room temperature control ?
Double garage + carport ? Block construction (not wood) for long-term peace of mind ? No HOA & No CDD — total freedom!
Prime location in Orange County, close to top-rated schools, UCF, and Downtown Orlando. Enjoy easy access to shopping, dining, major highways, and all the best Orlando amenities. A rare bonus — the home sits directly across from a peaceful park, perfect for relaxing with your family after a long day.
?? Move-in ready just in time for the holidays! With every detail thoughtfully updated, you won’t have to worry about a thing,simply move in and start living your Florida dream
Description provided by LPT REALTY, LLC and reproduced from the MLS; not independently verified.
Property facts & sources
Every fact, sourced
Listing data, public records, our calculations, and what to verify — each fact shown once. Estimates and calculations shown are for general information only, are not appraisals or advice, and should be independently verified.
Listing facts MLS
List price$619,000
Bed / bath3 / 2
Living area1,905 sq ft
Year built1968
Property typeSingle Family Residence
Garage2-car
MLS #O6358012
Listing status265 days on market
Public records & third-party data
FEMA flood zoneZone X
Ground elevation~99 ft
Windstorm exposureLow
CountyOrange
Area listings2 active · 0 under contract
Estimated first-year tax~$6,500/yr
CDD assessmentNone on record
HOA (estimate)$50/mo
Calculated estimates
Price per sq ft$325
Estimated monthly payment$4,126
Insurance (illustrative)$3k–$6k/yr
Comparable-sales median$445,000
Buyer should verify Buyer verify
Exact HOA dues, fees, and restrictionsRoof age and conditionHVAC age and conditionA property-specific insurance quoteSurvey and lot boundariesPermit historyFlood-insurance requirementsSchool zoning (confirm with the district)Property taxes after sale (homestead reset)CDD / community assessmentsSquare footage and room dimensions
Listing courtesy of LPT REALTY, LLC · Listing agent: Maria Apostol · 877-366-2213Provided via the Stellar MLS Internet Data Exchange, as distributed by MLS GRID · Listings courtesy of Stellar MLS as distributed by MLS GRID · Listings courtesy of Stellar MLS as distributed by MLS GRID. · deemed reliable but not guaranteedIDX information is provided exclusively for consumers' personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Data is deemed reliable but is not guaranteed by the MLS to be accurate.
The Messtimate™
The Messtimate
This is a deliberately dumb estimate — living area times a range of recent neighborhood $/sq ft, and nothing else. It is not an appraisal, not market value, and not a valuation of this home. Even a tight range from comparable sales can’t price a specific home — here’s why.
$422,910the mess$537,210
Actual list price: $619,000 — compare it against the range above. The Messtimate is a blind sqft estimate; the list price reflects this specific home.
A 27% spread on the same house — and that gap is exactly what an automated guess can't see:
Condition & updates — a 1968 home may have had its roof, kitchen, or HVAC replaced since, or not; sq ft can't see either.
The lot & views — a premium golf, water, or preserve lot vs. a road-facing one: same sq ft, very different price.
Outliers skew it — one flip or distressed sale in the comps drags the whole $/sq ft up or down.
Carrying costs & concessions — CDD, HOA, insurance, and seller-paid buydowns change what a buyer actually pays.
And here's what the live market is doing — which the number above ignores entirely:
1 active listing competing, 1 under contract
2 closed here in the last 12 months
For reference, this home is listed at $619,000 ($325/sq ft) — a number set with analysis a Messtimate can't do.
Want a property-specific review from a licensed agent? A Momentum Realty agent will do a real, free comparative market analysis — walking the home, the lot, the condition, and the live market. That's the difference between a Messtimate and a valuation.
Methodology: 1,905 sq ft × $222–$282/sq ft from recent nearby closed sales (public records). Estimate for general information only; not an appraisal, valuation, or offer. Updated September 6, 2026.
Keep looking
Similar homes for sale near LAKE LANCASTER PLACE
Active listings nearby at a comparable size and price. Listings held by brokerages other than Momentum Realty are marked with the listing broker. Deemed reliable but not guaranteed.
Listed for $619,000Momentum Realty · on market 265 days
Public records
Building permits
Permit history not yet linkedConfirm permit history with the county building department.
Estimated ownership costs
Estimated costs & disclosures
Estimated ownership costs for general information. Confirm each with the county, your lender, and an insurer. See data & estimate notes.
Property tax (first-year est.)
~$6,500/yr
A rough first-year estimate only, applying a typical Orange rate to the list price before any exemptions. Florida bills vary substantially after reassessment, homestead and other exemptions, and local taxing districts — this is not your expected bill. Confirm with the county property appraiser.
CDD assessment
None
No CDD assessment on record for this community.
Insurance (illustrative range)
$3k–$6k/yr
An illustrative modeled range, not based on carrier underwriting and not a quote. Florida premiums vary significantly by roof age, wind-mitigation features, claims history, and carrier — a real quote can land well outside this range. Flood insurance not federally mandated (Zone X). Get a quote from a licensed insurer before relying on any figure.
HOA
$50/mo
Covers the master association & common areas. Confirm exact dues and what they include.
Environmental data
Flood zone & elevation
Sourced environmental data for the parcel. Confirm with FEMA and your insurer.
FEMA flood zone
Zone X
From the FEMA National Flood Hazard Layer. In this zone lender-required flood insurance is generally not mandated; confirm for the parcel.
Ground elevation
~99 ft
Approximate parcel elevation from USGS; confirm exact elevation with a survey.
Windstorm / insurance
Obtain a quote
This is a coastal Florida county. Premiums and coverage vary by home; obtain a quote from a licensed insurer.
Connectivity
Internet & broadband
Fiber
Check availability
AT&T Fiber covers much of NE Florida; confirm availability at the address.
Cable
Likely
Xfinity/Spectrum cable broadband is widely available.
5G Home
Backup
T-Mobile / Verizon fixed-wireless as a backup option.
Seen enough photos?
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Listed by LPT REALTY, LLC · MLS # O6358012
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Market data · public records
Recent sales activity in LAKE LANCASTER PLACE
Recent comparable closed sales near this home, from public records. Summary figures are for general reference only and are not a valuation of this property. See the LAKE LANCASTER PLACE neighborhood guide for more.
Comparable sales found
1
Recent nearby closings in the data set.
Community median sale price
$445,000
Canonical 12-month median closed price. Reference only.
Community median $/sq ft
$252
Canonical 12-month median $/sq ft. Reference only.
Go deeper on LAKE LANCASTER PLACE
See schools, amenities, builders, HOA/CDD detail, and every active & sold home in the community — the single biggest advantage of buying here over a portal.
Recent local developments near this home, compiled from news and public sources. Provided for general information; verify details with the original source.
Jul 2026 · Development
Capstone begins construction on The Gateway luxury apartments
Capstone Building Corp began construction on The Gateway, a 270-unit apartment community at 7250 Shadowridge Drive in Orlando, developed by JBL Development. The five-story gated project spans more than 417,000 square feet and is expected to be completed in late 2027. Amenities include a saltwater pool, fitness center, pickleball court, and a clubhouse with a restaurant and bar.
Why it matters: Adds 270 market rate apartments in a five story building with resort style amenities, expanding the local rental housing stock in the Airport Lakes area of south Orlando. The project is about 7 miles south of Lake Lancaster Place, elsewhere in Orange County.
Orange County opens Enclave at Canopy Park with 104 affordable units
Orange County opened The Enclave at Canopy Park, a 104-unit affordable apartment community at 4440 Canopy Park Loop developed by Archway Partners. The county contributed 3 million dollars from its Affordable Housing Trust Fund. The community includes one and two bedroom homes plus a community center, fitness center, technology lab, and EV charging.
Why it matters: Adds 104 income-restricted apartment homes to the local rental supply along with new community amenities and green-certified construction. The project is about 3 miles southwest of Lake Lancaster Place, elsewhere in Orange County.
Orange County previews new Innovation Center on West Colonial Drive
Orange County previewed its new Innovation Center at 7149 West Colonial Drive, located within the county's Multicultural Center and Senior Center complex, with an official opening set for Fall 2026. The center will offer technology programs including 3D printing and makerspace prototyping through the Orange County Library System, plus career exploration and workforce training through CareerSource Central Florida.
Why it matters: Adds a county operated civic and technology facility with library and workforce programming to the West Colonial corridor. The project is about 6 miles west of Lake Lancaster Place, elsewhere in Orange County.
Mixed-use high-rise redesigned for 924 and 934 North Magnolia Avenue
A redesigned 17-story mixed-use high-rise was proposed for 924 and 934 North Magnolia Avenue in Orlando's North Quarter district by Acram Group. The project would include 350 residential units, about 3,300 square feet of ground-floor commercial space, and a parking garage with 510 spaces, replacing two 1972 office buildings. A public plaza is planned at the corner of Magnolia and Weber Street.
Why it matters: Would replace two aging office buildings with 350 residences, ground floor retail, and structured parking, adding housing density and a public plaza along the Orlando Urban Trail. The project is about 2 miles north of Lake Lancaster Place, elsewhere in Orange County.
Schools currently assigned to this address in Orange County, provided as neutral factual data. Assignments can change — confirm current zoning with the school district. This is not a statement about the home's suitability for any person or family.
School zoningThis address is in the Orange County School District. Specific elementary, middle, and high-school assignments vary by street and can change. Confirm current zoning with the district before relying on it.
Recent closed sales nearby, with photos, so you can compare. Sold prices are public record, deemed reliable but not guaranteed.
Sold Oct 2022
$445,000
516 E ESTHER STREET, ORLANDO
4 / 2 bd/ba · 1,768 sq ft · $252/sq ft
Courtesy of LPT REALTY · View details →
Community 12-month median: $252/sq ft. Shown for general reference only — this is not an appraisal or a statement of this home's value. Sold prices are public record and deemed reliable but not guaranteed.
If you rent it out
Investment snapshot
Objective rental and cash-flow estimates for a buyer weighing this as an investment. Rough figures for general information only — not a guarantee of rent, an appraisal, or investment advice. Verify independently.
Estimated rent$2,837 – $4,127/moa rough gross-rent-yield range on list price (comp-based estimate coming).
Estimated cap rate4.3%Net operating income ÷ list price; excludes financing.
Est. monthly cash flow−$1,373 – −$212At 25% down, 30-yr; after a 10% vacancy/maintenance/management reserve.
Before you decide
Buyer research checklist
Items worth confirming for 529 E Harding St, chosen from what the record shows. This is general guidance, not advice about this specific property.
Built in 1968 (58 years): ask for the roof and HVAC replacement dates — insurers commonly ask for roof age on homes this old, and it changes the premium.
The listing reports no HOA: confirm with the county record that no deed restrictions or mandatory association apply to this parcel.
FEMA flood zone X: flood insurance is not usually required, but get a quote anyway — FEMA reports roughly one in four flood claims come from outside high-risk zones.
Get a homeowners insurance quote for this specific address in Orange County; a wind-mitigation inspection and, on older homes, a four-point inspection can change the premium.
Listed living area is 1,905 sq ft: verify it against the property appraiser's record and measure before relying on it.
Order a survey to confirm lot boundaries and easements.
Review permit history with the county.
Property taxes: the estimate on this page (about $6,500/yr) assumes reassessment at the list price; the seller's homestead cap does not transfer, so their current bill is not a guide.
Confirm school zoning directly with the district.
Nearby & commute
Approximate distances
Approximate drive times for general reference only.
City
ORLANDO
Groceries, dining, and parks for this city — see the city guide.
Stellar MLS, refreshed twice daily (last: September 6, 2026)
Community market stats
Stellar MLS closed sales, as of August 2, 2026
Flood zone & elevation
FEMA flood maps + USGS elevation (Zone X shown above)
Taxes & monthly cost
Estimated from county rates; not a quote
Insurance figure
Modeled estimate; obtain a real quote before offering
Schools
2025-26 district assignments; verify with the district
Momentum Research lines are our own analysis of Stellar MLS records; MLS data is deemed reliable but not guaranteed. Estimates are informational, not appraisals or advice. Methodology: how Momentum scores are computed.
Answered before you ask
Frequently asked questions
How big is 529 E Harding St and when was it built?
Per the listing record, 529 E Harding St was built in 1968 and has 1,905 sq ft of living area, 3 bedrooms and 2.0 bathrooms. Living area and lot size come from the MLS record and should be verified against the county property appraiser.
What community is 529 E Harding St in?
529 E Harding St is in Lake Lancaster Place in Orlando, Orange County. The community section on this page shows recent closed sales, days on market, and active inventory for Lake Lancaster Place from the same MLS data.
Does 529 E Harding St have an HOA?
The listing reports no HOA. Confirm with the county record that no deed restrictions or mandatory association apply to the parcel.
Why might property taxes on 529 E Harding St differ from the current owner's?
The estimate on this page (about $6,500 per year) assumes reassessment at the list price. Florida's Save Our Homes rule caps annual assessment increases for homesteaded owners, and the assessment resets after a sale, so a new owner's bill may differ from the seller's. Any tax figure shown here is an estimate, not the actual bill — confirm with the county property appraiser and tax collector.
Is 529 E Harding St in a flood zone?
The FEMA flood map places this parcel in Zone X, outside the special flood hazard area, so flood insurance is not usually required by a lender. It is still available and worth quoting; confirm the parcel's status with FEMA and your insurer.
Can I rely on the figures on this page?
No. Estimated taxes, insurance, payments, and any market or comparable-sales summary are opinions and estimates for general information only and should not be relied upon. Verify all information independently before making any decision.
Ready when you are
See 529 E HARDING ST in person
Private tours available 7 days a week, in person or by live video walkthrough. Request a tour or send a question and a licensed Momentum Realty agent will follow up.
Opinion & estimate — do not rely on this page. Any figure on this page that is not a verbatim fact from the listing or a public record — including estimated property taxes, insurance, CDD/HOA amounts, mortgage payments, comparable-sales summaries, and market statistics — is an opinion and estimate provided for general informational purposes only. These figures may be inaccurate or out of date, are not appraisals, valuations, or financial, legal, tax, or investment advice, and should not be relied upon. Do not make any purchase, offer, financing, or other decision based on this page. Independently verify everything — price, square footage, lot size, year built, taxes, CDD/HOA, flood status, school assignments, permits, and community rules — with the listing broker, the county, your lender, a licensed inspector, an insurer, and your own advisors before acting.
Estimate methodology. Tax estimates apply a typical county millage rate to the list price and will differ from the actual assessed bill. Cost and market figures are derived from available data and simple calculations, not a professional appraisal. We make no representation that any estimate reflects fair market value.
Equal Housing Opportunity. Content on this page is compiled from public records, MLS data, and automated sources and may contain errors or be out of date. It is general information only, not a representation about any specific property, community, builder, or association. Verify information independently before relying on it. Momentum Realty supports the Fair Housing Act and does not discriminate on the basis of race, color, religion, sex, handicap, familial status, national origin, sexual orientation, or gender identity. Information about schools, distances, and amenities is provided as neutral factual data to help you research the property and is not a statement about who should or should not live here or the suitability of the home or neighborhood for any person or group. School data may change — confirm current assignments with the school district.
Found an error? If you are the owner, listing agent, or a party to this property and believe any information is inaccurate, email and we will review and correct or remove it promptly.
Automated content. Some summaries, distances, and estimates on this page are generated automatically from public and proprietary data sources and may contain errors or omissions. We strive for accuracy but cannot guarantee the completeness or accuracy of any information. Verify anything important independently.
No warranty; measurements & photos. No guarantee, warranty, or representation of any kind is made regarding the completeness or accuracy of any information, descriptions, or measurements on this page — including square-footage measurements and property condition — all of which should be independently verified through appropriate means, including in-person inspection and public records. Photographs may be virtually staged or digitally enhanced and may not reflect actual property conditions. Momentum Realty and its agents expressly disclaim any liability in connection with the information provided.
MLS / IDX. The data relating to real estate for sale on this web site comes in part from the Internet Data Exchange (IDX) program of the Stellar MLS Internet Data Exchange, as distributed by MLS GRID. Real estate listings held by brokerage firms other than Momentum Realty are marked with the listing broker's name and include the name of the listing agent. Data provided is deemed reliable but is not guaranteed by the MLS to be accurate. The information being provided is for consumers' personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Source: Stellar MLS, as distributed by MLS GRID. Listings courtesy of Stellar MLS as distributed by MLS GRID. All rights reserved.
Sold price and details are from public records and the MLS, deemed reliable but not guaranteed. Shown for comparison only — not an appraisal or a statement of this home's value.
