Orange County property record for 4624 River Gem Ave, Windermere, FL 34786
| Property Type | Single Family Home |
|---|---|
| Details | 5 bd · 5 ba · 3,118 sqft · built 2006 |
| Lot Size | 0.258 acres (11,229 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $638,000 (Dec 2022) |
| Tax Bill | $7,931 (2025) |
| Deeds & Mortgages | Dec 2022 Sale & Mortgage Mar 2019 Sale |
| Flood Zone | Zone X (minimal risk) |
| APN | 10-23-27-8394-00-360 |
| Primary APN | 10-23-27-8394-00-360 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 5 Beds |
|---|---|
| Full Baths | 5 Baths |
| Stories | 2 Stories |
| Building Area | 3,118 sqft Living Area |
| Gross Area | 4,549 sqft |
| 1st Floor Area | 1,676 sqft |
| Utility Area | 598 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2006 |
|---|---|
| Effective Year Built | Effective 2006 |
| Exterior Material | Concrete Block |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 11,229 sqft (0.258 acres) |
| Garage Type | Attached |
| Garage Area | 264 sqft |
| Parking Spaces | 1 Parking Space |
| Porch | Florida Room |
| Porch Area | 314 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Electric |
| Street Address | 4624 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 36 |
| Legal Range | 27E |
| Legal Township | 23S |
| Legal Section | 10 |
| Legal Subdivision | SUMMERPORT PH 5 |
| Legal Phase | 5 |
| Legal Tract | 8394 |
| Legal Lot Number | 36 |
| Jurisdiction | ORANGE FL |
| Township / Civil Division | SOUTHWEST ORANGE |
| Census Block Group | 2 |
| Census Block | 2002 |
| Census Tract | 17114 |
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 Individual Names on Record |
|---|---|
| Mailing Address | 4624 RIVER GEM AVE, WINDERMERE, FL 34786-3177 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Husband and Wife |
| Date | Document |
|---|---|
| Dec 28, 2022 | Warranty Deed, Transfer · Conventional Mortgage AMERISAVE MORTGAGE CORP |
| Mar 18, 2019 | Warranty Deed, Transfer ATTORNEY ONLY |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Dec 28, 2022 · Amount on Record |
| Deed Sale | Dec 28, 2022 · Amount on Record |
| Prior Sale | Aug 22, 2006 · Amount on Record |
| Deed Document Number | 2022774317 |
| Prior Transfer Date | Mar 13, 2019 |
| Prior Transfer Doc | 0000158452 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ORANGE FL |
| Recording Date | Dec 28, 2022 |
| Property Address | 4624 RIVER GEM AVE, WINDERMERE, FL 34786-3177 |
| Document Number | 0000774317 |
| Map Reference | MB 58 PG 124-134 |
| Instrument Date | Dec 21, 2022 |
| Instrument | 20220774317 |
| Transaction Type | Transfer |
| Record Updated | Jan 19, 2023 |
| Title Company | LEADING EDGE TITLE PARTNERS/CTRL F, LEADING EDGE TTL OF CTRL FL |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $4,466.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 555 FOSTER DR, MCDONOUGH, GA 30253-5334 |
| Name | Verified Name |
|---|---|
| Address | 4624 RIVER GEM AVE, WINDERMERE, FL 34786-3177 |
| Document Number | 0000774318 |
|---|---|
| Date | Dec 28, 2022 |
| Instrument | 20220774318 |
| Name | AMERISAVE MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jan 1, 2053 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ORANGE FL |
| Recording Date | Mar 18, 2019 |
| Property Address | 4624 RIVER GEM AVE, WINDERMERE, FL 34786-3177 |
| Document Number | 0000158452 |
| Instrument Date | Mar 13, 2019 |
| Instrument | 158452 |
| Transaction Type | Transfer |
| Record Updated | Mar 29, 2019 |
| Title Company | ATTORNEY ONLY |
| Amount | Amount Recorded |
|---|---|
| Tax | $0.70 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Life Estate |
| Address | 4624 RIVER GEM AVE WINDERMERE FL 347863177, WINDERMERE, FL 34786-3177 |
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 | $504,260 (+2.7%) | $630,990 (-1.28%) Land $125,000 Building $505,990 | |
| 2025 | $7,931.00 (+4.38%) Homeowner's exemption | $491,003 (-10.52%) | $639,150 (+16.48%) Land $125,000 Building $514,150 |
| 2024 | $7,598.00 (-9.5%) | ||
| 2023 | $8,396.00 (+99.95%) Homeowner's exemption | $548,703 (+95.66%) Land $125,000 Building $423,703 | $548,703 (+17.78%) Land $125,000 Building $423,703 |
| 2022 | $4,199.00 Homeowner's exemption Widower's exemption | $280,444 | $465,881 Land $110,000 Building $355,881 |
Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.
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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