4606 River Gem Ave, Windermere, FL 34786 Property Records

Orange County property record for 4606 River Gem Ave, Windermere, FL 34786 · Last verified May 2026

Property Summary

Property Type	Single Family Home
Details	5 bd · 6 ba · 3,382 sqft · built 2006
Lot Size	0.298 acres (12,982 sqft)
Owner	2 Individual Names on File
Last Sale	$352,790 (Jul 2016)
Tax Bill	$5,676 (2025)
Deeds & Mortgages	Jan 2021 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`10-23-27-8394-00-540`

Property Details

APN / Parcel Number

Primary APN	`10-23-27-8394-00-540`
Alternative APNs	`272310839400540` `137570` `138425` `139938`

Interior

Bedrooms	5 Beds
Full Baths	6 Baths
Stories	2 Stories
Building Area	3,382 sqft Living Area
Gross Area	4,549 sqft
1st Floor Area	1,940 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2006
Effective Year Built	Effective 2006
Exterior Material	Concrete Block
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	12,982 sqft (0.298 acres)
Garage Type	Attached
Garage Area	598 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	314 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	4606 RIVER GEM AVE
City	WINDERMERE
State	FL
Zip	34786-3177
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SUMMERPORT PHASE 5 58/124 LOT 54
Legal Range	27E
Legal Township	23S
Legal Section	10
Legal Subdivision	SUMMERPORT PH 5
Legal Phase	5
Legal Tract	8394
Legal Lot Number	54
Jurisdiction	ORANGE FL
Township / Civil Division	SOUTHWEST ORANGE
Census Block Group	2
Census Block	2002
Census Tract	17114

Owner

Source: Orange County records · APN 10-23-27-8394-00-540

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	4606 RIVER GEM AVE, WINDERMERE, FL 34786-3177
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Jul 29, 2016 · Amount on Record
Deed Sale	Jul 29, 2016 · Amount on Record
Prior Sale	Jun 01, 2016 · Amount on Record
Deed Document Number	2016390733
Prior Transfer Date	Oct 21, 2015
Prior Transfer Doc	0000549078
Record Updated	Jun 08, 2026

January 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ORANGE FL
Property Address	4606 RIVER GEM AVE, WINDERMERE, FL 34786-3177
Transaction Type	Mortgage
Record Updated	Jan 03, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4606 RIVER GEM AVE, WINDERMERE, FL 34786-3177

Mortgage

Document Number	0000048001
Date	Jan 26, 2021
Instrument	20210048001

Lender

Name	NEWTEK SMALL BUSINESS FINANCE LLC
Type	Non-Lending Institution
Address	NEW HYDE PARK, NY 11042

Agreement

Type	SBA Mortgage
Amount	Amount Recorded
Term	119 Months
Due	Dec 16, 2030

Interest

Rate Type	Adjustable Rate

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		$360,334 (+2.7%)	$703,960 (-1.44%) Land $125,000 Building $578,960
2025	$5,676.00 (+5.01%) Homeowner's exemption	$350,861 (+5.99%)	$714,210 (+20.77%) Land $125,000 Building $589,210
2024	$5,405.00 (+7.43%)
2023	$5,031.00 (+3.88%) Homeowner's exemption	$331,042 (+3%)	$591,399 (+16.81%) Land $125,000 Building $466,399
2022	$4,843.00 Homeowner's exemption	$321,400	$506,272 Land $110,000 Building $396,272

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Orange County (12095C), updated September 24, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 120950171142, refreshed September 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
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No
Nearest Special Flood Hazard Area	Zone A, within 500 ft
Flood Insurance Cost	Premium on Record median of 41 individual NFIP policies nearby
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	41 in force 32 of 41 on primary residences
Nearby Flood Claims	1 (2022)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Sep 2022, other causes, Hurricane Ian

Wildfire

Wildfire Risk	Low above 36% of the US · above 10% of Florida
Wildfire Likelihood	About 1 in 1,667 per year
Exposure	Direct burnable vegetation at the parcel

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.