4532 River Gem Ave, Windermere, FL 34786 Property Records

Orange County property record for 4532 River Gem Ave, Windermere, FL 34786 · Last verified May 2026

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,412 sqft · built 2005
Lot Size	0.249 acres (10,849 sqft)
Owner	2 Individual Names on File
Last Sale	$282,500 (Nov 2005)
Tax Bill	$3,898 (2025)
Flood Zone	Zone X (minimal risk)
APN	`10-23-27-8394-00-780`

Property Details

APN / Parcel Number

Primary APN	`10-23-27-8394-00-780`
Alternative APNs	`272310839400780` `137599` `138454` `139968`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Building Area	2,412 sqft Living Area
Gross Area	3,506 sqft Gross Area
1st Floor Area	2,412 sqft 1st Floor
Stories	1 Story
Flooring	Carpet
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	10,849 sqft (0.249 acres)
Parking Spaces	2 Parking Spaces
Garage Type	Attached
Garage Area	578 sqft Garage
Porch	Florida Room
Porch Area	516 sqft Porch

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	4532 RIVER GEM AVE
City	WINDERMERE
State	FL
Zip	34786-3175
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SUMMERPORT PHASE 5 58/124 LOT 78
Legal Range	27E
Legal Township	23S
Legal Section	10
Legal Subdivision	SUMMERPORT PH 5
Legal Phase	5
Legal Tract	8394
Legal Lot Number	78
Jurisdiction	ORANGE FL
Township / Civil Division	SOUTHWEST ORANGE
Census Block Group	2
Census Block	2012
Census Tract	17114

Owner

Source: Orange County records · APN 10-23-27-8394-00-780

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	2 Individual Names on File
Mailing Address	4532 RIVER GEM AVE, WINDERMERE, FL 34786-3175
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Nov 01, 2005 · Amount on Record
Deed Sale	Nov 01, 2005 · Amount on Record
Deed Document Number	2005738959
Deed Book / Page	8278 / 4723
Record Updated	Jun 08, 2026

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
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		$246,830 (+2.7%)	$537,970 (-1.23%) Land $125,000 Building $412,970
2025	$3,898.00 (+6.04%) Homeowner's exemption	$240,341 (+5.99%)	$544,690 (+17.81%) Land $125,000 Building $419,690
2024	$3,676.00 (+7.52%)
2023	$3,419.00 (+4.49%) Homeowner's exemption	$226,765 (+3%)	$462,356 (+17.55%) Land $125,000 Building $337,356
2022	$3,272.00 Homeowner's exemption	$220,160	$393,343 Land $110,000 Building $283,343

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Orange County (12095C), updated September 24, 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Flood Hazard	Minimal
500-Year Floodplain	No
Special Flood Hazard Area	No
Nearest Special Flood Hazard Area	Zone A, within 500 ft

Wildfire

Wildfire Risk	Not rated no burnable land in reach
Wildfire Likelihood	Negligible
Exposure	None beyond ember reach

Values are read at the parcel center point; lenders make the official flood determination.