Orange County property record for 4806 River Gem Ave, Windermere, FL 34786
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2.5 ba · 2,422 sqft · built 2006 |
| Lot Size | 0.186 acres (8,088 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $401,900 (Jun 2006) |
| Tax Bill | $3,774 (2025) |
| Deeds & Mortgages | Jul 2021 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 10-23-27-8394-00-190 |
| Primary APN | 10-23-27-8394-00-190 |
|---|---|
| Alternative APNs |
|
| 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 |
| Year Built | Built 2006 |
|---|---|
| Effective Year Built | Effective 2006 |
| Exterior Material | Concrete Block |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 8,088 sqft (0.186 acres) |
| Garage Type | Attached |
| Garage Area | 567 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Florida Room |
| Porch Area | 323 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Electric |
| Street Address | 4806 RIVER GEM AVE |
|---|---|
| City | WINDERMERE |
| State | FL |
| Zip | 34786-3180 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | P-D |
| Legal Description | SUMMERPORT PHASE 5 58/124 LOT 19 |
| Legal Range | 27E |
| Legal Township | 23S |
| Legal Section | 10 |
| Legal Subdivision | SUMMERPORT PH 5 |
| Legal Phase | 5 |
| Legal Tract | 8394 |
| Legal Lot Number | 19 |
| Jurisdiction | ORANGE FL |
| Township / Civil Division | SOUTHWEST ORANGE |
| Census Block Group | 2 |
| Census Block | 2001 |
| Census Tract | 17114 |
Source: Orange County records, as of April 30, 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 Record |
|---|---|
| Mailing Address | 4806 RIVER GEM AVE, WINDERMERE, FL 34786-3180 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jun 19, 2006 · Amount on Record |
| Deed Sale | Jun 19, 2006 · Amount on Record |
| Deed Document Number | 2006403301 |
| Deed Book / Page | 8706 / 2079 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ORANGE FL |
| Property Address | 4806 RIVER GEM AVE, WINDERMERE, FL 34786-3180 |
| Transaction Type | Mortgage |
| Record Updated | Jan 3, 2022 |
| Name | Verified Name |
|---|---|
| Address | 4806 RIVER GEM AVE, WINDERMERE, FL 34786-3180 |
| Document Number | 0000402822 |
|---|---|
| Date | Jul 7, 2021 |
| Instrument | 20210402822 |
| Name | WELLS FARGO BANK NA |
|---|---|
| Type | Bank |
| Address | SIOUX FALLS, SD 57104 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 121 Months |
| Due | Aug 1, 2031 |
Source: Orange County assessment roll, as of April 30, 2026
| Type | Name |
|---|---|
| State | Florida |
| County | Orange County |
| Unified School District | Orange County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $238,881 (+2.7%) | $525,910 (-1.21%) Land $125,000 Building $400,910 | |
| 2025 | $3,774.00 (+6.16%) Homeowner's exemption | $232,601 (+5.99%) | $532,350 (+17.71%) Land $125,000 Building $407,350 |
| 2024 | $3,555.00 (+7.53%) | ||
| 2023 | $3,306.00 (+4.55%) Homeowner's exemption | $219,462 (+3%) | $452,238 (+17.41%) Land $125,000 Building $327,238 |
| 2022 | $3,162.00 Homeowner's exemption | $213,070 | $385,177 Land $110,000 Building $275,177 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
Source: FEMA National Flood Hazard Layer, effective September 24, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Nearest Special Flood Hazard Area | Zone A, within 500 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 |
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: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 62% of the US · lower than 88% of Florida |
|---|---|
| Wildfire Likelihood | 0.04% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | OCUD/SOUTHERN WATER SYS (5 WPS) serves 80,738 people · EPA ID FL3484119 |
|---|---|
| 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, not water tested at this address; lead at the tap also depends on the building's own pipes.
Source: FCC Broadband Data Collection, based on 153 locations within half a mile, as of December 31, 2025
| 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 Fixed Wireless | 100 / 20 |
May also be available: CenturyLink.
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