4612 River Gem Ave, Windermere, FL 34786 Property Records

Orange County property record for 4612 River Gem Ave, Windermere, FL 34786

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,644 sqft · built 2006
Lot Size	0.269 acres (11,738 sqft)
Owner	2 Company Names on Record
Last Sale	$490,000 (Jul 2021)
Tax Bill	$9,673 (2025)
Deeds & Mortgages	Jul 2021 Sale
Flood Zone	Zone X (minimal risk)
APN	`10-23-27-8394-00-550`

Property Details

APN / Parcel Number

Primary APN	`10-23-27-8394-00-550`
Alternative APNs	`272310839400550` `137571` `138427` `139940`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Stories	1 Story
Building Area	2,644 sqft Living Area
Gross Area	3,671 sqft
1st Floor Area	2,644 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	11,738 sqft (0.269 acres)
Garage Type	Attached
Garage Area	683 sqft
Parking Spaces	2 Parking Spaces
Porch	Finished/Open Porch
Porch Area	344 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	4612 RIVER GEM AVE
City	WINDERMERE
State	FL
Zip	34786-3177
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	P-D
Legal Description	SUMMERPORT PHASE 5 58/124 LOT 55
Legal Range	27E
Legal Township	23S
Legal Section	10
Legal Subdivision	SUMMERPORT PH 5
Legal Phase	5
Legal Tract	8394
Legal Lot Number	55
Jurisdiction	ORANGE FL
Township / Civil Division	SOUTHWEST ORANGE
Census Block Group	2
Census Block	2002
Census Tract	17114

Owner

Source: Orange County records, as of April 30, 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	4606 RIVER GEM AVE, WINDERMERE, FL 34786-3177
Owner Type	Company
Vesting	Trust, Family Revocable Trust

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 12, 2021 · Amount on Record
Deed Sale	Jul 12, 2021 · Amount on Record
Prior Sale	Apr 4, 2016 · Amount on Record
Deed Document Number	2021414753
Record Updated	Jun 8, 2026

July 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ORANGE FL
Recording Date	Jul 12, 2021
Property Address	4612 RIVER GEM AVE, WINDERMERE, FL 34786-3177
Document Number	0000414753
Map Reference	MB 58 PG 124-134
Instrument Date	Jun 30, 2021
Instrument	20210414753
Transaction Type	Transfer
Record Updated	Jun 7, 2023
Title Company	EQUITABLE TTL OF DR PHILLIPS

Transaction

Amount	Amount Recorded
Tax	$3,430.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Family Revocable Trust
Address	4606 RIVER GEM AVE, WINDERMERE, FL 34786-3177

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		$566,480 (+3.17%) Land $125,000 Building $441,480	$566,480 (-1.24%) Land $125,000 Building $441,480
2025	$9,673.00 (+8.21%)	$549,065 (+13.16%)	$573,610 (+18.22%) Land $125,000 Building $448,610
2024	$8,939.00 (+15.46%)
2023	$7,742.00 (+12.68%)	$485,223 (+17.62%) Land $125,000 Building $360,223	$485,223 (+17.62%) Land $125,000 Building $360,223
2022	$6,871.00	$412,521 Land $110,000 Building $302,521	$412,521 Land $110,000 Building $302,521

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