Orange County property record for 4533 River Gem Ave, Windermere, FL 34786
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3 ba · 2,406 sqft · built 2005 |
| Lot Size | 0.264 acres (11,484 sqft) |
| Owner | 2 Company Names on Record |
| Last Sale | $590,000 (Feb 2026) |
| Tax Bill | $8,707 (2025) |
| Deeds & Mortgages | Apr 2026 Mortgage Feb 2026 Sale + 3 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 10-23-27-8394-00-990 |
| Primary APN | 10-23-27-8394-00-990 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3 Baths |
| Stories | 1 Story |
| Building Area | 2,406 sqft Living Area |
| Gross Area | 3,577 sqft |
| 1st Floor Area | 2,406 sqft |
| Flooring | Wood |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2005 |
|---|---|
| Effective Year Built | Effective 2005 |
| Exterior Material | Concrete Block |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 11,484 sqft (0.264 acres) |
| Garage Type | Attached |
| Garage Area | 583 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Florida Room |
| Porch Area | 588 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Electric |
| Street Address | 4533 RIVER GEM AVE |
|---|---|
| City | WINDERMERE |
| State | FL |
| Zip | 34786-3128 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | P-D |
| Legal Description | SUMMERPORT PHASE 5 58/124 LOT 99 |
| Legal Range | 27E |
| Legal Township | 23S |
| Legal Section | 10 |
| Legal Subdivision | SUMMERPORT PH 5 |
| Legal Phase | 5 |
| Legal Tract | 8394 |
| Legal Lot Number | 99 |
| Jurisdiction | ORANGE FL |
| Township / Civil Division | SOUTHWEST ORANGE |
| Census Block Group | 2 |
| Census Block | 2005 |
| Census Tract | 17114 |
Source: Orange County records, as of May 21, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Company Names on Record |
|---|---|
| Mailing Address | 4533 RIVER GEM AVE, WINDERMERE, FL 34786-3128 |
| Occupancy | Owner Occupied |
| Owner Type | Company |
| Vesting | Trust |
| Date | Document |
|---|---|
| Apr 1, 2026 | Deed of Trust, Mortgage · Conventional Mortgage FIFTH THIRD BANK |
| Feb 25, 2026 | Warranty Deed, Transfer SUNBELT TITLE (AGENCY), SUNBELT TITLE AGENCY |
| Aug 27, 2021 | Deed of Trust, Mortgage · Conventional Mortgage FINTECH MORTGAGE ASSOCIATION LLC |
| Jul 2, 2018 | Warranty Deed, Transfer · Conventional Mortgage AMERIFIRST FINANCIAL CORP |
| Nov 18, 2016 | Deed of Trust, Mortgage · FHA Mortgage MONEY SOURCE (NY) INC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Feb 25, 2026 · Amount on Record |
| Deed Sale | Feb 25, 2026 · Amount on Record |
| Prior Sale | Jul 2, 2018 · Amount on Record |
| Deed Document Number | 2026113368 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ORANGE FL |
| Recording Date | Apr 1, 2026 |
| Property Address | 4533 RIVER GEM AVE, WINDERMERE, FL 34786-3128 |
| Document Number | 0000187260 |
| Instrument Date | Mar 26, 2026 |
| Instrument | 2026187260 |
| Transaction Type | Mortgage |
| Record Updated | Jul 13, 2026 |
| Title Company | SIMPLIFILE |
| Name | Verified Name |
|---|---|
| Relationship | Trust, 212 |
| Address | 4533 RIVER GEM AVE, WINDERMERE, FL 34786-3128 |
| Document Number | 0000187260, |
|---|---|
| Date | Apr 1, 2026 |
| Instrument | 2026187260 |
| Name | FIFTH THIRD BANK |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Apr 1, 2056 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 5.98% |
| Initial Type | Fixed Rate |
| Max Rate | -1% |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ORANGE FL |
| Recording Date | Feb 25, 2026 |
| Property Address | 4533 RIVER GEM AVE, WINDERMERE, FL 34786-3128 |
| Document Number | 0000113368 |
| Map Reference | MB 58 PG 124 |
| Instrument Date | Feb 23, 2026 |
| Instrument | 20260113368 |
| Transaction Type | Transfer |
| Record Updated | Mar 20, 2026 |
| Title Company | SUNBELT TITLE (AGENCY), SUNBELT TITLE AGENCY |
| Amount | Amount Recorded |
|---|---|
| Tax | $4,130.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 5102 BELMERE PKWY, TAMPA, FL 33624-6972 |
| Name | Verified Name |
|---|---|
| Address | 4533 RIVER GEM AVE, WINDERMERE, FL 34786-3128 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ORANGE FL |
| Property Address | 4533 RIVER GEM AVE, WINDERMERE, FL 34786-3128 |
| Transaction Type | Mortgage |
| Record Updated | Jan 3, 2022 |
| Name | Verified Name |
|---|---|
| Address | 1091 RURAL RIDGE DR, CHESWICK, PA 15024-2441 |
| Document Number | 0000525592 |
|---|---|
| Date | Aug 27, 2021 |
| Instrument | 20210525592 |
| Name | FINTECH MORTGAGE ASSOCIATION LLC |
|---|---|
| Type | Non-Lending Institution |
| Address | SAINT PETERSBURG, FL 33701 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Sep 1, 2051 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ORANGE FL |
| Recording Date | Jul 2, 2018 |
| Property Address | 4533 RIVER GEM AVE, WINDERMERE, FL 34786-3128 |
| Document Number | 0000391491 |
| Map Reference | MB 58 PG 124 |
| Instrument Date | Jun 8, 2018 |
| Instrument | 20180391491 |
| Transaction Type | Transfer |
| Record Updated | Jan 3, 2022 |
| Title Company | LANDING TITLE AGENCY INC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,485.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 4533 RIVER GEM AVE, 4533, WINDERMERE, FL 34786-3128 |
| Name | Verified Name |
|---|---|
| Address | 1091 RURAL RIDGE DR, CHESWICK, PA 15024-2441 |
| Document Number | 0000391492 |
|---|---|
| Date | Jul 2, 2018 |
| Instrument | 20180391492 |
| Name | AMERIFIRST FINANCIAL CORP |
|---|---|
| Type | Funding / Finance Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jul 1, 2048 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ORANGE FL |
| Property Address | 4533 RIVER GEM AVE, WINDERMERE, FL 34786-3128 |
| Document Number | 0000006066 |
| Instrument Date | Nov 18, 2016 |
| Transaction Type | Mortgage |
| Record Updated | Jan 30, 2017 |
| Title Company | TITLE SERVICE AND LIAISON COMPANIES, SIMPLIFILE LC E-RECORDING |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 4533 RIVER GEM AVE WINDERMERE FL 347863128, WINDERMERE, FL 34786-3128 |
| Document Number | 0000006066 |
|---|---|
| Date | Jan 5, 2017 |
| Instrument | 6066 |
| Name | MONEY SOURCE (NY) INC |
|---|---|
| Address | 135 MAXESS RD, MELVILLE, NY 11747-3801 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 324 Months |
| Due | Jan 4, 2044 |
Source: Orange County assessment roll, as of April 30, 2026
| Type | Name |
|---|---|
| State | Florida |
| County | Orange County |
| Unified School District | Orange County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $510,622 (+1%) | $543,810 (-1.24%) Land $125,000 Building $418,810 | |
| 2025 | $8,707.00 (+8.11%) | $464,202 (-0.68%) | $550,640 (+17.82%) Land $125,000 Building $425,640 |
| 2024 | $8,054.00 (+15.16%) | ||
| 2023 | $6,994.00 (+12.86%) | $467,373 (+17.56%) Land $125,000 Building $342,373 | $467,373 (+17.56%) Land $125,000 Building $342,373 |
| 2022 | $6,197.00 | $397,565 Land $110,000 Building $287,565 | $397,565 Land $110,000 Building $287,565 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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.
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.
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 |
| 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.
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 |
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