4933 River Gem Ave, Windermere, FL 34786 Property Records

Orange County property record for 4933 River Gem Ave, Windermere, FL 34786

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,015 sqft · built 2004
Lot Size	0.157 acres (6,821 sqft)
Owner	Individual Name on Record
Last Sale	$515,000 (Jun 2023)
Tax Bill	$7,168 (2025)
Deeds & Mortgages	Jun 2023 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`10-23-27-8389-00-640`

Property Details

APN / Parcel Number

Primary APN	`10-23-27-8389-00-640`
Alternative APNs	`272310838900640` `137199` `138055` `139568`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	2,015 sqft Living Area
Gross Area	2,647 sqft
1st Floor Area	2,015 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2004
Effective Year Built	Effective 2004
Exterior Material	Concrete Block
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	6,821 sqft (0.157 acres)
Garage Type	Attached
Garage Area	527 sqft
Parking Spaces	2 Parking Spaces
Porch	Finished/Open Porch
Porch Area	105 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	4933 RIVER GEM AVE
City	WINDERMERE
State	FL
Zip	34786-3119
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	P-D
Legal Description	SUMMERPORT PHASE 1 53/1 LOT 64
Legal Range	27E
Legal Township	23S
Legal Section	10
Legal Subdivision	SUMMERPORT PH 1
Legal Phase	1
Legal Tract	8389
Legal Lot Number	64
Jurisdiction	ORANGE FL
Township / Civil Division	SOUTHWEST ORANGE
Census Block Group	2
Census Block	2008
Census Tract	17114

Owner

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	Individual Name on Record
Mailing Address	4933 RIVER GEM AVE, WINDERMERE, FL 34786-3119
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Single Woman

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 1, 2023 · Amount on Record
Deed Sale	Jun 1, 2023 · Amount on Record
Prior Sale	Nov 19, 2007 · Amount on Record
Deed Document Number	2023306816
Prior Transfer Date	Mar 6, 2008
Prior Transfer Doc	0000148122
Record Updated	Oct 29, 2026

June 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ORANGE FL
Recording Date	Jun 1, 2023
Property Address	4933 RIVER GEM AVE, WINDERMERE, FL 34786-3119
Document Number	0000306816
Map Reference	MB 53 PG 1-8
Instrument Date	May 30, 2023
Instrument	20230306816
Transaction Type	Transfer
Record Updated	Jun 21, 2023
Title Company	FLORIDA TITLE AND GUARANTEE AGENCY, FLORIDA TTL & GUARANTEE AGCY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3,605.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	4632 FINCHWOOD WAYA, BOYNTON BEACH, FL 33436

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4933 RIVER GEM AVE, WINDERMERE, FL 34786-3119

Mortgage

Document Number	0000306817
Date	Jun 1, 2023
Instrument	20230306817

Lender

Name	THE MORTGAGE FIRM INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 1, 2053

Tax Assessment & Valuation

Source: Orange County assessment roll, as of April 30, 2026

Property Jurisdictions

Type	Name
State	Florida
County	Orange County
Unified School District	Orange County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$460,579 (+3.83%)	$470,350 (-0.13%) Land $125,000 Building $345,350
2025	$7,168.00 (+4.55%) Homeowner's exemption	$443,602 (+10.53%)	$470,940 (+17.34%) Land $125,000 Building $345,940
2024	$6,856.00 (+1.87%)
2023	$6,730.00 (+169.85%)	$401,339 (+136.06%) Land $125,000 Building $276,339	$401,339 (+17.31%) Land $125,000 Building $276,339
2022	$2,494.00 Homeowner's exemption	$170,019	$342,130 Land $110,000 Building $232,130

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.

Flood

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
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.

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 80% of the US · lower than 93% of Florida
Wildfire Likelihood	0.01% annual chance
Exposure	None beyond ember reach

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 330 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber	5,000 / 5,000
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20