4715 River Gem Ave, Windermere, FL 34786 Property Records

Orange County property record for 4715 River Gem Ave, Windermere, FL 34786

Property Summary

Property Type	Single Family Home
Details	5 bd · 3 ba · 2,710 sqft · built 2006
Lot Size	0.15 acres (6,540 sqft)
Owner	2 Individual Names on File
Last Sale	$254,500 (Sep 2010)
Tax Bill	$4,239 (2025)
Deeds & Mortgages	Oct 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`10-23-27-8394-00-120`

Property Details

APN / Parcel Number

Primary APN	`10-23-27-8394-00-120`
Alternative APNs	`272310839400120` `137517` `138374` `139887`

Interior

Bedrooms	5 Beds
Full Baths	3 Baths
Stories	2 Stories
Building Area	2,710 sqft Living Area
Gross Area	3,680 sqft
1st Floor Area	1,569 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	6,540 sqft (0.15 acres)
Garage Type	Attached
Garage Area	548 sqft
Parking Spaces	2 Parking Spaces
Porch	Finished/Open Porch
Porch Area	221 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	4715 RIVER GEM AVE
City	WINDERMERE
State	FL
Zip	34786-3176
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	P-D
Legal Description	SUMMERPORT PHASE 5 58/124 LOT 12
Legal Range	27E
Legal Township	23S
Legal Section	10
Legal Subdivision	SUMMERPORT PH 5
Legal Phase	5
Legal Tract	8394
Legal Lot Number	12
Jurisdiction	ORANGE FL
Township / Civil Division	SOUTHWEST ORANGE
Census Block Group	2
Census Block	2000
Census Tract	17114

Owner

Source: Orange County records · APN 10-23-27-8394-00-120

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	4715 RIVER GEM AVE, WINDERMERE, FL 34786-3176
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Sep 13, 2010 · Amount on Record
Deed Sale	Sep 13, 2010 · Amount on Record
Prior Sale	Jan 27, 2009 · Amount on Record
Deed Document Number	2010529416
Deed Book / Page	10102 / 8882
Record Updated	Jun 08, 2026

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ORANGE FL
Property Address	4715 RIVER GEM AVE, WINDERMERE, FL 34786-3176
Document Number	0000556514
Instrument Date	Oct 15, 2020
Transaction Type	Mortgage
Record Updated	Nov 06, 2020
Title Company	TITLE SERVICE AND LIAISON COMPANIES, SIMPLIFILE LC E-RECORDING

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	4715 RIVER GEM AVE WINDERMERE FL 347863176, WINDERMERE, FL 34786-3176

Mortgage

Document Number	0000556514
Date	Oct 26, 2020
Instrument	556514

Lender

Name	FREEDOM MTG
Type	Mortgage Company
Address	MOUNT LAUREL, NJ 08054

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 25, 2050

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		$268,567 (+2.7%)	$585,480 (-) Land $140,000 Building $445,480
2025	$4,239.00 (+5.79%) Homeowner's exemption	$261,506 (+5.99%)	$585,480 (+18.97%) Land $133,000 Building $452,480
2024	$4,007.00 (+7.48%)
2023	$3,728.00 (+4.37%) Homeowner's exemption	$246,734 (+3%)	$492,123 (+16.79%) Land $133,000 Building $359,123
2022	$3,572.00 Homeowner's exemption	$239,548	$421,388 Land $118,750 Building $302,638

Flood & Wildfire

Source: FEMA National Flood Hazard Layer as of September 24, 2026 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone A, within 100 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

Wildfire

Wildfire Risk	Low lower than 62% of the US · lower than 88% of Florida
Wildfire Likelihood	0.04% annual chance
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 as of December 31, 2025 · Last verified October 2026

Provider	Max Down / Up (Mbps)
AT&T Fiber · Fixed Wireless in parts of the area	5,000 / 5,000
Spectrum Cable	1,000 / 35
Verizon Fixed Wireless	300 / 20
T-Mobile USA Fixed Wireless	100 / 20

May also be available: Lumen Technologies.

Based on FCC filings for 153 locations within half a mile of this property.

Drinking Water

Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026

Water System	OCUD/SOUTHERN WATER SYS (5 WPS) serves 80,738 people
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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.