4745 River Gem Ave, Windermere, FL 34786 Property Records

Orange County property record for 4745 River Gem Ave, Windermere, FL 34786 · Last verified May 2026

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,422 sqft · built 2006
Lot Size	0.183 acres (7,959 sqft)
Owner	Individual Name on File
Last Sale	$389,000 (Apr 2020)
Tax Bill	$6,074 (2025)
Deeds & Mortgages	Apr 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`10-23-27-8394-00-070`

Property Details

APN / Parcel Number

Primary APN	`10-23-27-8394-00-070`
Alternative APNs	`272310839400070` `137511` `138367` `139881`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,422 sqft Living Area
Gross Area	3,508 sqft
1st Floor Area	1,309 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	7,959 sqft (0.183 acres)
Garage Type	Attached
Garage Area	567 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	323 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	4745 RIVER GEM AVE
City	WINDERMERE
State	FL
Zip	34786-3176
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SUMMERPORT PHASE 5 58/124 LOT 7
Legal Range	27E
Legal Township	23S
Legal Section	10
Legal Subdivision	SUMMERPORT PH 5
Legal Phase	5
Legal Tract	8394
Legal Lot Number	7
Jurisdiction	ORANGE FL
Township / Civil Division	SOUTHWEST ORANGE
Census Block Group	2
Census Block	2000
Census Tract	17114

Owner

Source: Orange County records · APN 10-23-27-8394-00-070

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	4745 RIVER GEM AVE, WINDERMERE, FL 34786-3176
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Apr 20, 2020 · Amount on Record
Deed Sale	Apr 20, 2020 · Amount on Record
Prior Sale	May 16, 2014 · Amount on Record
Deed Document Number	2020241555
Record Updated	Jun 08, 2026

April 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ORANGE FL
Recording Date	Apr 20, 2020
Property Address	4745 RIVER GEM AVE, WINDERMERE, FL 34786-3176
Document Number	0000241555
Instrument Date	Mar 19, 2020
Instrument	241555
Transaction Type	Transfer
Record Updated	May 11, 2020
Title Company	TITLE SERVICE AND LIAISON COMPANIES, SIMPLIFILE LC E-RECORDING

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$2,723.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4745 RIVER GEM AVE WINDERMERE FL 347863176, WINDERMERE, FL 34786-3176

Mortgage

Document Number	241556
Date	Apr 20, 2020
Instrument	241556

Lender

Name	HOMEBRIDGE FIN'L SVCS INC
Type	Funding / Finance Company
Address	ISELIN, NJ 08830

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Apr 19, 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		$385,757 (+2.7%)	$574,790 (-0.17%) Land $140,000 Building $434,790
2025	$6,074.00 (+4.87%) Homeowner's exemption	$375,615 (+5.99%)	$575,790 (+19.38%) Land $133,000 Building $442,790
2024	$5,792.00 (+7.42%)
2023	$5,392.00 (+3.81%) Homeowner's exemption	$354,397 (+3%)	$482,304 (+15.88%) Land $133,000 Building $349,304
2022	$5,194.00 Homeowner's exemption	$344,075	$416,204 Land $118,750 Building $297,454

Flood & Wildfire

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

Flood

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 100 ft

Wildfire

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.