1. Home
  2. Florida
  3. Orange County
  4. Windermere
  5. River Gem Ave

4818 River Gem Ave, Windermere, FL 34786 Property Records

Orange County property record for 4818 River Gem Ave, Windermere, FL 34786 · Last verified May 2026

Property Summary

Property TypeSingle Family Home
Details3 bd · 2 ba · 2,085 sqft · built 2006
Lot Size0.147 acres (6,386 sqft)
Owner2 Individual Names on File
Last Sale$570,000 (Sep 2023)
Tax Bill$8,301 (2025)
Deeds & MortgagesSep 2023 Mortgage
Aug 2021 Sale & Mortgage
Flood ZoneZone X (minimal risk)
APN10-23-27-8394-00-210

Property Details

APN / Parcel Number

Primary APN10-23-27-8394-00-210
Alternative APNs
  • 272310839400210
  • 137529
  • 138384
  • 139899

Interior

Bedrooms3 Beds
Full Baths2 Baths
Stories1 Story
Building Area2,085 sqft Living Area
Gross Area2,980 sqft
1st Floor Area2,085 sqft
FlooringCarpet
Interior WallsWallboard/Drywall

Exterior

Year BuiltBuilt 2006
Effective Year BuiltEffective 2006
Exterior MaterialConcrete Block
Roof TypeGable/Hip
Roof MaterialComposition Shingle
Lot Area6,386 sqft (0.147 acres)
Garage TypeAttached
Garage Area558 sqft
Parking Spaces2 Parking Spaces
PorchFinished/Open Porch
Porch Area337 sqft

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemForced Air with A/C
Heating FuelElectric

Location & Zoning

Street Address4818 RIVER GEM AVE
CityWINDERMERE
StateFL
Zip34786-3180
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionSUMMERPORT PHASE 5 58/124 LOT 21
Legal Range27E
Legal Township23S
Legal Section10
Legal SubdivisionSUMMERPORT PH 5
Legal Phase5
Legal Tract8394
Legal Lot Number21
JurisdictionORANGE FL
Township / Civil DivisionSOUTHWEST ORANGE
Census Block Group2
Census Block2001
Census Tract17114

Owner

Source: Orange County records · APN 10-23-27-8394-00-210

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 Address508 BOUGAINVILLA CT, BRENTWOOD, CA 94513-5566
Owner TypeIndividual
VestingHusband and Wife

Deeds, Mortgages & Sale History

DateDocument
Sep 01, 2023Deed of Trust, Mortgage · Conventional Mortgage
LUMINATE HOME LOANS INC
Aug 10, 2021Warranty Deed, Transfer · Conventional Mortgage
NEXTMORTGAGE LLC

Assessor's Deed Record

Deed Names2 Verified Names on Deed
Last SaleSep 01, 2023 · Amount on Record
Deed SaleSep 01, 2023 · Amount on Record
Prior SaleAug 10, 2021 · Amount on Record
Deed Document Number2023502345
Record UpdatedJun 08, 2026

September 2023: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionORANGE FL
Property Address4818 RIVER GEM AVE, WINDERMERE, FL 34786-3180
Transaction TypeMortgage
Record UpdatedSep 21, 2023

Transferred To (Grantee/Buyer)

NameVerified Name
Address508 BOUGAINVILLA CT, BRENTWOOD, CA 94513-5566

Mortgage

Document Number0000502346
DateSep 01, 2023
Instrument20230502346
Lender
NameLUMINATE HOME LOANS INC
TypeMortgage Company
AddressMINNEAPOLIS, MN 55405
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term360 Months
DueSep 01, 2053

August 2021: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionORANGE FL
Recording DateAug 10, 2021
Property Address4818 RIVER GEM AVE, WINDERMERE, FL 34786-3180
Document Number0000487647
Map ReferenceMB 58 PG 124-134
Instrument DateAug 09, 2021
Instrument20210487647
Transaction TypeTransfer
Record UpdatedJan 03, 2022
Title CompanyTREASURE TITLE INSURANCE AGENCY INC, TREASURE TITLE INS AGCY INC

Transaction

AmountAmount Recorded
DownpaymentDownpayment on File
Loan-to-Value (LTV)LTV on Record
Tax$3,115.00
Amount AccuracyRounded by County
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address4338 SALTMARSH SPARROW DR, 4338, WINDERMERE, FL 34786-3279

Transferred To (Grantee/Buyer)

NameVerified Name
Address4818 RIVER GEM AVE, WINDERMERE, FL 34786-3180

Mortgage

Document Number0000487648
DateAug 10, 2021
Instrument20210487648
Lender
NameNEXTMORTGAGE LLC
TypeNon-Lending Institution
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term361 Months
DueSep 01, 2051

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$514,360 (-0.9%) Land $125,000 Building $389,360$514,360 (-1.39%) Land $125,000 Building $389,360
2025$8,301.00 (+4.34%) Homeowner's exemption$519,006 (+33.87%)$521,610 (+19.27%) Land $125,000 Building $396,610
2024$7,956.00 (+34.69%)
2023$5,907.00 (+3.7%) Homeowner's exemption$387,708 (+3%)$437,336 (+16.18%) Land $125,000 Building $312,336
2022$5,696.00 Homeowner's exemption$376,416 Land $110,000 Building $266,416$376,416 Land $110,000 Building $266,416

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Orange County (12095C), updated September 24, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 120950171142, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood ZoneZone X
Special Flood Hazard AreaNo
Flood HazardMinimal
500-Year FloodplainNo
Nearest Special Flood Hazard AreaZone A, within 500 ft
Flood Insurance CostPremium on Record
median of 41 individual NFIP policies nearby
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, other causes, Hurricane Ian

Wildfire

Wildfire RiskLow
above 38% of the US · above 12% of Florida
Wildfire LikelihoodAbout 1 in 2,703 per year
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, availability as of December 31, 2025 · Published October 2026 · based on 153 locations within about half a mile of this property

ProviderTechnologyDownload / Upload (Mbps)
AT&TFiber5,000 / 5,000
SpectrumCable1,000 / 35
VerizonFixed Wireless300 / 20
T-Mobile USAFixed Wireless100 / 20
StarlinkSatellite (low-earth orbit)280 / 30

May also be available at this address: AT&T, Lumen Technologies. Availability varies by address; speeds are provider-advertised maximums, not measured.

Nearby Properties on River Gem Ave

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures