4831 River Gem Ave, Windermere, FL 34786 Property Records

Orange County property record for 4831 River Gem Ave, Windermere, FL 34786 · Last verified July 2026

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,655 sqft · built 2006
Lot Size	0.241 acres (10,484 sqft)
Owner	2 Individual Names on File
Last Sale	$699,000 (Aug 2022)
Tax Bill	$8,304 (2025)
Deeds & Mortgages	Jul 2026 Line of Credit Aug 2022 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`10-23-27-8394-00-010`

Property Details

APN / Parcel Number

Primary APN	`10-23-27-8394-00-010`
Alternative APNs	`272310839400010` `137505` `138360` `139874`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,655 sqft Living Area
Gross Area	3,728 sqft
1st Floor Area	1,473 sqft
Flooring	Wood
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2006
Effective Year Built	Effective 2013
Exterior Material	Concrete Block
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	10,484 sqft (0.241 acres)
Garage Type	Attached
Garage Area	548 sqft
Parking Spaces	2 Parking Spaces
Porch	Finished/Open Porch
Porch Area	317 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	4831 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 1
Legal Range	27E
Legal Township	23S
Legal Section	10
Legal Subdivision	SUMMERPORT PH 5
Legal Phase	5
Legal Tract	8394
Legal Lot Number	1
Jurisdiction	ORANGE FL
Township / Civil Division	SOUTHWEST ORANGE
Census Block Group	2
Census Block	2000
Census Tract	17114

Owner

Source: Orange County records · APN 10-23-27-8394-00-010

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	4831 RIVER GEM AVE, WINDERMERE, FL 34786-3176
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
Jul 01, 2026	Deed of Trust, Mortgage · Line of Credit PENTAGON FEDERAL CREDIT UNION
Aug 08, 2022	Warranty Deed, Transfer · Conventional Mortgage JUSTICE FEDERAL CREDIT UNION
Aug 08, 2022	Intrafamily Transfer, Transfer DILIGENT TITLE LLC, DILIGENCE TITLE LLC

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Aug 08, 2022 · Amount on Record
Deed Sale	Aug 08, 2022 · Amount on Record
Prior Sale	Mar 09, 2012 · Amount on Record
Deed Document Number	2022484087
Prior Transfer Date	Aug 05, 2022
Prior Transfer Doc	0000484086
Record Updated	Sep 20, 2026

July 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ORANGE FL
Recording Date	Jul 01, 2026
Property Address	4831 RIVER GEM AVE, WINDERMERE, FL 34786-3176
Document Number	0000365667
Instrument Date	Jun 24, 2026
Instrument	2026365667
Transaction Type	Mortgage
Record Updated	Jul 14, 2026
Title Company	MORTGAGE CONNECT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4831 RIVER GEM AVE, WINDERMERE, FL 34786-3176

Mortgage

Document Number	0000365667,
Date	Jul 01, 2026
Instrument	2026365667

Lender

Name	PENTAGON FEDERAL CREDIT UNION

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Jul 09, 2056

Interest

Rate	7.5%
Max Rate	-1%

August 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ORANGE FL
Recording Date	Aug 08, 2022
Property Address	4831 RIVER GEM AVE, WINDERMERE, FL 34786-3176
Document Number	0000484087
Map Reference	MB 58 PG 124-134
Instrument Date	Aug 08, 2022
Instrument	20220484087
Transaction Type	Transfer
Record Updated	Aug 19, 2022
Title Company	DILIGENT TITLE LLC, DILIGENCE TITLE LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$4,893.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1202 FAIRWAY DR, 1202, WINTER PARK, FL 32792-5108

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4831 RIVER GEM AVE, WINDERMERE, FL 34786-3176

Mortgage

Document Number	0000484088
Date	Aug 08, 2022
Instrument	20220484088

Lender

Name	JUSTICE FEDERAL CREDIT UNION
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 01, 2052

August 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	ORANGE FL
Recording Date	Aug 08, 2022
Property Address	4831 RIVER GEM AVE, WINDERMERE, FL 34786-3176
Document Number	0000484086
Map Reference	MB 58 PG 124-134
Instrument Date	Aug 05, 2022
Instrument	20220484086
Transaction Type	Transfer
Record Updated	Aug 19, 2022
Title Company	DILIGENT TITLE LLC, DILIGENCE TITLE LLC

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	4655 INDIAN DEER RD, 4655, WINDERMERE, FL 34786-3184

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1202 FAIRWAY DR, WINTER PARK, FL 32792-5108

Tax Assessment & Valuation

Source: Orange County records · Assessment roll updated April 30, 2026 · Last verified July 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, not market price estimates; both are a fraction of this property's market value.

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$528,079 (+2.7%)	$658,580 (-0.29%) Land $140,000 Building $518,580
2025	$8,304.00 (+4.31%) Homeowner's exemption	$514,196 (+5.99%)	$660,520 (+17.26%) Land $133,000 Building $527,520
2024	$7,961.00 (+7.39%)
2023	$7,413.00 (+85.6%) Homeowner's exemption	$485,150 (+81.91%)	$563,316 (+29.61%) Land $133,000 Building $430,316
2022	$3,994.00 Homeowner's exemption	$266,703	$434,616 Land $118,750 Building $315,866

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 Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No
Nearest Special Flood Hazard Area	Zone A, within 500 ft
Flood Insurance Cost	Premium on Record median of 41 individual NFIP policies nearby
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, other causes, Hurricane Ian

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; 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

Provider	Technology	Download / Upload (Mbps)
AT&T	Fiber	5,000 / 5,000
Spectrum	Cable	1,000 / 35
Verizon	Fixed Wireless	300 / 20
T-Mobile USA	Fixed Wireless	100 / 20
Starlink	Satellite (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.

Mobile Coverage

5G and 4G LTE

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