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4732 River Gem Ave, Windermere, FL 34786 Property Records

Orange County property record for 4732 River Gem Ave, Windermere, FL 34786

Property Summary

Property TypeSingle Family Home
Details4 bd · 3 ba · 2,411 sqft · built 2006
Lot Size0.206 acres (8,995 sqft)
Owner2 Individual Names on File
Last Sale$322,500 (Jul 2017)
Tax Bill$5,852 (2025)
Deeds & MortgagesMar 2021 Mortgage
Mar 2021 Mortgage
+ 1 more
Flood ZoneZone X (minimal risk)
APN10-23-27-8394-00-140

Property Details

APN / Parcel Number

Primary APN10-23-27-8394-00-140
Alternative APNs
  • 272310839400140
  • 137520
  • 138377
  • 139890

Interior

Bedrooms4 Beds
Full Baths3 Baths
Stories1 Story
Building Area2,411 sqft Living Area
Gross Area2,951 sqft
1st Floor Area2,411 sqft
FlooringCarpet
Interior WallsWallboard/Drywall

Exterior

Year BuiltBuilt 2006
Effective Year BuiltEffective 2006
Exterior MaterialConcrete Block
Roof TypeGable/Hip
Roof MaterialComposition Shingle
Lot Area8,995 sqft (0.206 acres)
Garage TypeAttached
Garage Area462 sqft
Parking Spaces2 Parking Spaces
PorchSlab
Porch Area78 sqft
Total Buildings2 Buildings

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemForced Air with A/C
Heating FuelElectric

Location & Zoning

Street Address4732 RIVER GEM AVE
CityWINDERMERE
StateFL
Zip34786-3180
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodeP-D
Legal DescriptionSUMMERPORT PHASE 5 58/124 LOT 14
Legal Range27E
Legal Township23S
Legal Section10
Legal SubdivisionSUMMERPORT PH 5
Legal Phase5
Legal Tract8394
Legal Lot Number14
JurisdictionORANGE FL
Township / Civil DivisionSOUTHWEST ORANGE
Census Block Group2
Census Block2001
Census Tract17114

Owner

Source: Orange County records · APN 10-23-27-8394-00-140

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 Record2 Individual Names on File
Mailing Address4732 RIVER GEM AVE, WINDERMERE, FL 34786-3180
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Mar 11, 2021Deed of Trust, Mortgage · Conventional Mortgage
ALKAN MORTGAGE CORP
Mar 11, 2021Deed of Trust, Mortgage · Conventional Mortgage
ALKAN MORTGAGE CORP
Jul 24, 2017Warranty Deed, Transfer · Conventional Mortgage
WELLS FARGO BANK NA

Assessor's Deed Record

Deed Names2 Verified Names on Deed
Last SaleJul 24, 2017 · Amount on Record
Deed SaleJul 24, 2017 · Amount on Record
Prior SaleMar 31, 2014 · Amount on Record
Deed Document Number2017409235
Record UpdatedJun 08, 2026

March 2021: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionORANGE FL
Property Address4732 RIVER GEM AVE, WINDERMERE, FL 34786-3180
Transaction TypeMortgage
Record UpdatedJan 03, 2022

Transferred To (Grantee/Buyer)

NameVerified Name
Address4732 RIVER GEM AVE, WINDERMERE, FL 34786-3180

Mortgage

Document Number0000140705
DateMar 11, 2021
Instrument20210140705
Lender
NameALKAN MORTGAGE CORP
TypeMortgage Company
AddressLAKE MARY, FL 32746
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term361 Months
DueApr 01, 2051

March 2021: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionORANGE FL
Property Address4732 RIVER GEM AVE, WINDERMERE, FL 34786-3180
Transaction TypeMortgage
Record UpdatedApr 01, 2021

Transferred To (Grantee/Buyer)

NameVerified Name
Address4732 RIVER GEM AVE, WINDERMERE, FL 34786-3180

Mortgage

Document Number20210140705
DateMar 11, 2021
Instrument20210140705
Lender
NameALKAN MORTGAGE CORP
TypeMortgage Company
AddressLAKE MARY, FL 32746
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term361 Months
DueApr 01, 2051

July 2017: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionORANGE FL
Recording DateJul 24, 2017
Property Address4732 RIVER GEM AVE, WINDERMERE, FL 34786-3180
Document Number0000409235
Map ReferenceMB 58 PG 124-134
Instrument DateJul 10, 2017
Instrument20170409235
Transaction TypeTransfer
Record UpdatedJan 03, 2022
Title CompanyCENTRAL FLORIDA TITLE CLERMO

Transaction

AmountAmount Recorded
DownpaymentDownpayment on File
Loan-to-Value (LTV)LTV on Record
Tax$2,257.50
Amount AccuracyFull Amount Stated
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address8184 WOOD SAGE DR, 8184, WINTER GARDEN, FL 34787-4793

Transferred To (Grantee/Buyer)

NameVerified Name
Address4732 RIVER GEM AVE, WINDERMERE, FL 34786-3180

Mortgage

Document Number0000409237
DateJul 24, 2017
Instrument20170409237
Lender
NameWELLS FARGO BANK NA
TypeBank
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term361 Months
DueAug 01, 2047

Tax Assessment & Valuation

Source: Orange County records · Assessment roll updated April 30, 2026 · Last verified May 2026

Property Jurisdictions

TypeName
StateFlorida
CountyOrange County
Unified School DistrictOrange 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.

YearTax BillAssessed ValueAssessed Market Value
2026$371,538 (+2.7%)$560,850 (-1.37%) Land $125,000 Building $435,850
2025$5,852.00 (+4.95%) Homeowner's exemption$361,770 (+18.83%)$568,660 (+26.88%) Land $125,000 Building $443,660
2024$5,576.00 (+20.69%)
2023$4,620.00 (+4.01%) Homeowner's exemption$304,441 (+3%)$448,199 (+17.25%) Land $125,000 Building $323,199
2022$4,442.00 Homeowner's exemption$295,574$382,243 Land $110,000 Building $272,243

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Orange County (12095C), as of September 24, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 120950171142, as of September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition, as of 2020 · Last verified October 2026

Flood

FEMA Flood ZoneZone X
minimal risk
Nearest Special Flood Hazard AreaZone A, within 500 ft
Flood Insurance RequirementNot required
lenders may require it
Flood Insurance CostPremium on Record
median of 41 policies
Community Rating SystemClass 5 (25% premium discount)
Nearby Flood Policies41 in force
Nearby Flood Claims1 (2022)
Claims Outside the SFHA1 of 1
Most Recent ClaimSep 2022 · Hurricane Ian

Wildfire

Wildfire RiskLow
lower than 62% of the US · lower than 88% of Florida
Wildfire Likelihood0.04% annual chance
ExposureDirect
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

ProviderMax 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, water system FL3484119, as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026

Water SystemOCUD/SOUTHERN WATER SYS (5 WPS)
serves 80,738 people
Water SourceGroundwater
Last State InspectionMay 2024
Lead2 ppb (2025)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and ReportingNone
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.

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