Orange County property record for 4733 River Gem Ave, Windermere, FL 34786
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3 ba · 2,976 sqft · built 2006 |
| Lot Size | 0.149 acres (6,500 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $255,900 (May 2010) |
| Tax Bill | $10,231 (2025) |
| Deeds & Mortgages | Jun 2026 Mortgage Nov 2023 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 10-23-27-8394-00-090 |
| Primary APN | 10-23-27-8394-00-090 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3 Baths |
| Stories | 2 Stories |
| Building Area | 2,976 sqft Living Area |
| Gross Area | 4,035 sqft |
| 1st Floor Area | 1,569 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 | 6,500 sqft (0.149 acres) |
| Garage Type | Attached |
| Garage Area | 548 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Slab |
| Porch Area | 263 sqft |
| Total Buildings | 2 Buildings |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Electric |
| Street Address | 4733 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 9 |
| Legal Range | 27E |
| Legal Township | 23S |
| Legal Section | 10 |
| Legal Subdivision | SUMMERPORT PH 5 |
| Legal Phase | 5 |
| Legal Tract | 8394 |
| Legal Lot Number | 9 |
| Jurisdiction | ORANGE FL |
| Township / Civil Division | SOUTHWEST ORANGE |
| Census Block Group | 2 |
| Census Block | 2000 |
| Census Tract | 17114 |
Source: Orange County records · APN 10-23-27-8394-00-090
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 | 14198 BRIDGEWATER CROSSINGS BLVD, WINDERMERE, FL 34786-3211 |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jun 25, 2026 | Deed of Trust, Mortgage · Conventional Mortgage ROCKET MORTGAGE LLC |
| Nov 21, 2023 | Deed of Trust, Mortgage · Conventional Mortgage NATIONSTAR MORTGAGE LLC |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | May 03, 2010 · Amount on Record |
| Deed Sale | May 03, 2010 · Amount on Record |
| Prior Sale | Feb 17, 2010 |
| Deed Document Number | 2010251176 |
| Deed Book / Page | 10038 / 8274 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ORANGE FL |
| Recording Date | Jun 25, 2026 |
| Property Address | 4733 RIVER GEM AVE, WINDERMERE, FL 34786-3176 |
| Document Number | 0000356266 |
| Instrument Date | Jun 02, 2026 |
| Instrument | 2026356266 |
| Transaction Type | Mortgage |
| Record Updated | Jul 12, 2026 |
| Title Company | SIMPLE TITLE, SIMPLIFILE |
| Name | Verified Name |
|---|---|
| Address | 14198 BRIDGEWATER CROSSINGS BLVD, WINDERMERE, FL 34786-3211 |
| Document Number | 0000356266, |
|---|---|
| Date | Jun 25, 2026 |
| Instrument | 2026356266 |
| Name | ROCKET MORTGAGE LLC |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jul 01, 2056 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 6.37% |
| Initial Type | Fixed Rate |
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ORANGE FL |
| Property Address | 4733 RIVER GEM AVE, WINDERMERE, FL 34786-3176 |
| Transaction Type | Mortgage |
| Record Updated | Dec 12, 2023 |
| Name | Verified Name |
|---|---|
| Address | 14198 BRIDGEWATER CROSSINGS BLVD, WINDERMERE, FL 34786-3211 |
| Document Number | 0000671247 |
|---|---|
| Date | Nov 21, 2023 |
| Instrument | 20230671247 |
| Name | NATIONSTAR MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Address | COPPELL, TX 75019 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Dec 01, 2053 |
Source: Orange County records · Assessment roll updated April 30, 2026 · Last verified July 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 | $610,622 (+1%) | $648,980 (-0.32%) Land $140,000 Building $508,980 | |
| 2025 | $10,231.00 (+7.87%) | $555,111 (+2.46%) | $651,060 (+20.17%) Land $133,000 Building $518,060 |
| 2024 | $9,485.00 (+16.37%) | ||
| 2023 | $8,151.00 (+12.21%) | $541,768 (+16.02%) Land $133,000 Building $408,768 | $541,768 (+16.02%) Land $133,000 Building $408,768 |
| 2022 | $7,264.00 | $466,977 Land $118,750 Building $348,227 | $466,977 Land $118,750 Building $348,227 |
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
| 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 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.
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.
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 |
| 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.
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