4520 River Gem Ave, Windermere, FL 34786 Property Records

Orange County property record for 4520 River Gem Ave, Windermere, FL 34786

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,644 sqft · built 2005
Lot Size	0.201 acres (8,750 sqft)
Owner	2 Individual Names on Record
Last Sale	$287,300 (Jan 2006)
Tax Bill	$9,170 (2025)
Deeds & Mortgages	Jan 2019 Sale
Flood Zone	Zone X (minimal risk)
APN	`10-23-27-8394-00-800`

Property Details

APN / Parcel Number

Primary APN	`10-23-27-8394-00-800`
Alternative APNs	`272310839400800` `137601` `138456` `139970`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Stories	1 Story
Building Area	2,644 sqft Living Area
Gross Area	3,677 sqft
1st Floor Area	2,644 sqft
Flooring	Ceramic Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2005
Effective Year Built	Effective 2005
Exterior Material	Concrete Block
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	8,750 sqft (0.201 acres)
Garage Type	Attached
Garage Area	682 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	351 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	4520 RIVER GEM AVE
City	WINDERMERE
State	FL
Zip	34786-3175
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	P-D
Legal Description	SUMMERPORT PHASE 5 58/124 LOT 80
Legal Range	27E
Legal Township	23S
Legal Section	10
Legal Subdivision	SUMMERPORT PH 5
Legal Phase	5
Legal Tract	8394
Legal Lot Number	80
Jurisdiction	ORANGE FL
Township / Civil Division	SOUTHWEST ORANGE
Census Block Group	2
Census Block	2012
Census Tract	17114

Owner

Source: Orange County records, as of May 4, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	1517 FOUR OAKS RD, SAN JOSE, CA 95131-2615
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 24, 2006 · Amount on Record
Deed Sale	Jan 24, 2006 · Amount on Record
Deed Document Number	200655890
Deed Book / Page	8443 / 4567
Last Transfer Date	Nov 30, 2018
Transfer Doc	0000057983
Record Updated	Jun 8, 2026

January 2019: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	ORANGE FL
Recording Date	Jan 29, 2019
Property Address	4520 RIVER GEM AVE, WINDERMERE, FL 34786-3175
Document Number	0000057983
Instrument Date	Nov 30, 2018
Instrument	57983
Transaction Type	Transfer
Record Updated	Feb 18, 2019

Transaction

Amount	Amount Recorded
Tax	$0.70
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	4520 RIVER GEM AVE WINDERMERE FL 347863175, WINDERMERE, FL 34786-3175

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Florida
County	Orange County
Unified School District	Orange County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$540,433 (+1%)	$574,610 (-1.26%) Land $125,000 Building $449,610
2025	$9,170.00 (+8.09%)	$491,303 (-0.25%)	$581,930 (+18.15%) Land $125,000 Building $456,930
2024	$8,484.00 (+15.3%)
2023	$7,358.00 (+12.89%)	$492,515 (+17.63%) Land $125,000 Building $367,515	$492,515 (+17.63%) Land $125,000 Building $367,515
2022	$6,518.00	$418,681 Land $110,000 Building $308,681	$418,681 Land $110,000 Building $308,681

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
Nearest Special Flood Hazard Area	Zone A, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 41 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	41 in force
Nearby Flood Claims	1 (2022)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Sep 2022 · Hurricane Ian

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 80% of the US · lower than 93% of Florida
Wildfire Likelihood	0.01% annual chance
Exposure	None beyond ember reach

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	OCUD/SOUTHERN WATER SYS (5 WPS) serves 80,738 people · EPA ID FL3484119
Water Source	Groundwater
Last State Inspection	May 2024
Lead	2 ppb (2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
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 330 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber	5,000 / 5,000
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20