Orange County property record for 4654 River Gem Ave, Windermere, FL 34786 · Last verified May 2026
| Property Type | Residential > Single Family > Home |
|---|---|
| Bedrooms | 4 Beds |
| Bathrooms | 2.5 Baths |
| Year Built | Built 2006 |
| Square Footage | 3,695 sqft Living Area |
| Lot Size | 10,226 sqft (0.235 acres) |
| Occupancy | Owner Occupied |
| Last Sale | $770,000 (2023) |
| Tax Bill | $10,651.00 (2025) |
| Primary APN | 10-23-27-8394-00-130 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Partial Baths | 1 Partial Baths |
| Building Area | 3,695 sqft Living Area |
| Gross Area | 4,977 sqft Gross Area |
| 1st Floor | 1,997 sqft 1st Floor |
| Stories | 2 Stories |
| Primary Flooring | Carpet Flooring |
| Interior Structure | Wallboard/Drywall Interior Structure |
| Year Built | Built 2006 |
|---|---|
| Effective Year Built | Effective 2006 |
| Exterior Material | Concrete Block Exterior |
| Roof Construction | Gable/Hip Roof Construction |
| Roof Material | Composition Shingle Roof |
| Lot Area | 10,226 sqft (0.235 acres) |
| Parking Spaces | 2 Parking Spaces |
| Garage Type | Attached Garage |
| Garage Area | 552 sqft Garage |
| Porch Area | 346 sqft Porch |
| Cooling System | Central Cooling |
|---|---|
| Heating System | Forced Air with Air Conditioning Heating |
| Heating Fuel | Electric Heating Fuel |
| Street Address | 4654 RIVER GEM AVE |
|---|---|
| City | WINDERMERE |
| State | FL |
| Zip | 34786-3180 |
| Property Usage | Residential Property Usage |
| Type | Residential > Single Family > Home |
| Legal Description | SUMMERPORT PHASE 5 58/124 LOT 13 |
| Legal Range | 27E |
| Legal Township | 23S |
| Legal Section | 10 |
| Legal Subdivision | SUMMERPORT PH 5 |
| Legal Phase | 5 |
| Legal Tract | 8394 |
| Legal Lot Number | 13 |
| Jurisdiction | ORANGE FL |
| Minor Civil Division | SOUTHWEST ORANGE |
| Census Blockgroup | 2 |
| Census Block | 2001 |
| Census Tract | 17114 |
Source: Orange County records · APN 10-23-27-8394-00-130
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 | Individual Name on File |
|---|---|
| Mailing Address | 4654 RIVER GEM AVE, WINDERMERE, FL 34786-3180 |
| Occupancy | Owner Occupied |
| Owner Type | Owner is an Individual, Couple or Unincorporated Entity |
| Vesting | Joint Tenants |
| Date | Document |
|---|---|
| Jun 21, 2023 | Deed of Trust, Mortgage · Conventional Mortgage ROCKET MORTGAGE LLC |
| Apr 08, 2021 | Warranty Deed, Transfer · Conventional Mortgage NORTHPOINTE BANK |
| Apr 08, 2021 | Warranty Deed, Transfer · Conventional Mortgage NORTHPOINTE BANK |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Nov 07, 2023 · Amount on Record |
| Deed Sale | Nov 07, 2023 · Amount on Record |
| Prior Sale | Jun 21, 2023 · Amount on Record |
| Deed Doc Number | 2023647797 |
| Prior Transfer Date | Oct 19, 2023 |
| Prior Transfer Doc | 0000727608 |
| Record Refreshed | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ORANGE FL |
| Property Address | 4654 RIVER GEM AVE, WINDERMERE, FL 34786-3180 |
| Transaction Type | Mortgage |
| Record Updated | Jul 05, 2023 |
| Name | Verified Name |
|---|---|
| Address | 12718 BIDEFORD AVE, UNIONTOWN, AL 36786 |
| Document Number | 0000347575 |
|---|---|
| Date | Jun 21, 2023 |
| Instrument | 20230347575 |
| Name | ROCKET MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Address | DETROIT, MI 48226 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 181 Months |
| Due | Jul 01, 2038 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ORANGE FL |
| Recording Date | Apr 08, 2021 |
| Property Address | 4654 RIVER GEM AVE, WINDERMERE, FL 34786-3180 |
| Document Number | 20210205979 |
| Map Reference | MB 58 PG 124-134 |
| Instrument Date | Mar 24, 2021 |
| Instrument | 20210205979 |
| Transaction Type | Transfer |
| Record Updated | Sep 17, 2021 |
| Title Company | CELEBRATION TITLE GROUP |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $3,552.50 |
| Amount Accuracy | Rounded Values by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 9459 WESTOVER CLUB CIR, 9459, WINDERMERE, FL 34786-6203 |
| Name | Verified Name |
|---|---|
| Address | 4654 RIVER GEM AVE, WINDERMERE, FL 34786-3180 |
| Document Number | 20210205980 |
|---|---|
| Date | Apr 08, 2021 |
| Instrument | 20210205980 |
| Name | NORTHPOINTE BANK |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Apr 01, 2051 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ORANGE FL |
| Recording Date | Apr 08, 2021 |
| Property Address | 4654 RIVER GEM AVE, WINDERMERE, FL 34786-3180 |
| Document Number | 0000205979 |
| Map Reference | MB 58 PG 124-134 |
| Instrument Date | Mar 24, 2021 |
| Instrument | 20210205979 |
| Transaction Type | Transfer |
| Record Updated | Jan 03, 2022 |
| Title Company | CELEBRATION TITLE GROUP |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $3,552.50 |
| Amount Accuracy | Rounded Values by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 9459 WESTOVER CLUB CIR, 9459, WINDERMERE, FL 34786-6203 |
| Name | Verified Name |
|---|---|
| Address | 4654 RIVER GEM AVE, WINDERMERE, FL 34786-3180 |
| Document Number | 0000205980 |
|---|---|
| Date | Apr 08, 2021 |
| Instrument | 20210205980 |
| Name | NORTHPOINTE BANK |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Apr 01, 2051 |
Source: Orange County records · Assessment roll updated April 30, 2026 · Last verified May 2026
| Type | Name |
|---|---|
| State | Florida |
| County | Orange County |
| Unified School District | Orange County School District (PK - 12) |
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 | $668,010 (+1.19%) Land $125,000 Building $543,010 | $668,010 (-1.29%) Land $125,000 Building $543,010 | |
| 2025 | $10,651.00 (+3.97%) Homeowner's exemption | $660,132 (+34.44%) | $676,750 (+20.58%) Land $125,000 Building $551,750 |
| 2024 | $10,244.00 (+36.51%) | ||
| 2023 | $7,504.00 (+3.46%) Homeowner's exemption | $491,019 (+3%) | $561,258 (+17.73%) Land $125,000 Building $436,258 |
| 2022 | $7,253.00 Homeowner's exemption | $476,717 Land $110,000 Building $366,717 | $476,717 Land $110,000 Building $366,717 |
Source: FEMA National Flood Hazard Layer, Orange County (12095C), updated September 24, 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone X |
|---|---|
| Flood Hazard | Minimal |
| 500-Year Floodplain | No |
| Special Flood Hazard Area | No |
| Nearest Special Flood Hazard Area | Zone A, within 500 ft |
| Wildfire Risk | Low above 38% of the US · above 12% of Florida |
|---|---|
| Wildfire Likelihood | About 1 in 2,703 per year |
| Exposure | Direct burnable vegetation at the parcel |
Values are read at the parcel center point; lenders make the official flood determination.
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