4642 River Gem Ave, Windermere, FL 34786 Property Records

Orange County property record for 4642 River Gem Ave, Windermere, FL 34786 · Last verified July 2026

Property Summary

Property Type	Single Family Home
Details	4 bd · 5 ba · 3,118 sqft · built 2006
Lot Size	0.207 acres (9,032 sqft)
Owner	2 Individual Names on File
Last Sale	$630,000 (Jun 2022)
Tax Bill	$10,168 (2025)
Deeds & Mortgages	Jun 2022 Sale
Flood Zone	Zone X (minimal risk)
APN	`10-23-27-8394-00-340`

Property Details

APN / Parcel Number

Primary APN	`10-23-27-8394-00-340`
Alternative APNs	`272310839400340` `137545` `138400` `139915`

Interior

Bedrooms	4 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
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	9,032 sqft (0.207 acres)
Garage Type	Attached
Garage Area	862 sqft
Parking Spaces	3 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	4642 RIVER GEM AVE
City	WINDERMERE
State	FL
Zip	34786-3180
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SUMMERPORT PHASE 5 58/124 LOT 34
Legal Range	27E
Legal Township	23S
Legal Section	10
Legal Subdivision	SUMMERPORT PH 5
Legal Phase	5
Legal Tract	8394
Legal Lot Number	34
Jurisdiction	ORANGE FL
Township / Civil Division	SOUTHWEST ORANGE
Census Block Group	2
Census Block	2001
Census Tract	17114

Owner

Source: Orange County records · APN 10-23-27-8394-00-340

Assessment roll updated April 30, 2026 · Last verified July 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	4642 RIVER GEM AVE, WINDERMERE, FL 34786-3180
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Jun 30, 2022 · Amount on Record
Deed Sale	Jun 30, 2022 · Amount on Record
Prior Sale	Apr 30, 2009 · Amount on Record
Deed Document Number	2022405092
Prior Transfer Date	Feb 12, 2013
Prior Transfer Doc	0000222402
Record Updated	Sep 20, 2026

June 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ORANGE FL
Recording Date	Jun 30, 2022
Property Address	4642 RIVER GEM AVE, WINDERMERE, FL 34786-3180
Document Number	0000405092
Map Reference	MB 58 PG 124-134
Instrument Date	Jun 24, 2022
Instrument	20220405092
Transaction Type	Transfer
Record Updated	Jul 19, 2022
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INS CO

Transaction

Amount	Amount Recorded
Tax	$4,410.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	5963 GLORY BOWER DR, 5963, WINTER GARDEN, FL 34787-9541

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4642 RIVER GEM AVE, WINDERMERE, FL 34786-3180

Tax Assessment & Valuation

Source: Orange County records · Assessment roll updated April 30, 2026 · Last verified July 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		$604,101 (+1%)	$641,810 (-1.29%) Land $125,000 Building $516,810
2025	$10,168.00 (+8.04%)	$549,183 (+0.53%)	$650,180 (+19.02%) Land $125,000 Building $525,180
2024	$9,411.00 (+15.69%)
2023	$8,135.00 (+12.94%)	$546,265 (+17.77%) Land $125,000 Building $421,265	$546,265 (+17.77%) Land $125,000 Building $421,265
2022	$7,203.00	$463,833 Land $110,000 Building $353,833	$463,833 Land $110,000 Building $353,833

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
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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 153 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
AT&T	Fiber	5,000 / 5,000
Spectrum	Cable	1,000 / 35
Verizon	Fixed Wireless	300 / 20
T-Mobile USA	Fixed Wireless	100 / 20
Starlink	Satellite (low-earth orbit)	280 / 30

May also be available at this address: AT&T, Lumen Technologies. Availability varies by address; speeds are provider-advertised maximums, not measured.