Orange County property record for 4956 River Gem Ave, Windermere, FL 34786
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2.5 ba · 2,530 sqft · built 2004 |
| Lot Size | 0.179 acres (7,777 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $590,000 (Feb 2022) |
| Tax Bill | $9,181 (2025) |
| Deeds & Mortgages | Feb 2022 Sale & Mortgage Nov 2020 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 10-23-27-8389-00-740 |
| Primary APN | 10-23-27-8389-00-740 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 2,530 sqft Living Area |
| Gross Area | 3,477 sqft |
| 1st Floor Area | 1,336 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2004 |
|---|---|
| Effective Year Built | Effective 2004 |
| Exterior Material | Concrete Block |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 7,777 sqft (0.179 acres) |
| Garage Type | Attached |
| Garage Area | 546 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Slab |
| Porch Area | 190 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Street Address | 4956 RIVER GEM AVE |
|---|---|
| City | WINDERMERE |
| State | FL |
| Zip | 34786-3118 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | P-D |
| Legal Description | SUMMERPORT PHASE 1 53/1 LOT 74 |
| Legal Range | 27E |
| Legal Township | 23S |
| Legal Section | 10 |
| Legal Subdivision | SUMMERPORT PH 1 |
| Legal Phase | 1 |
| Legal Tract | 8389 |
| Legal Lot Number | 74 |
| Jurisdiction | ORANGE FL |
| Township / Civil Division | SOUTHWEST ORANGE |
| Census Block Group | 2 |
| Census Block | 2019 |
| Census Tract | 17114 |
Source: Orange County records, as of May 4, 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 | 4956 RIVER GEM AVE, WINDERMERE, FL 34786-3118 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Feb 28, 2022 | Warranty Deed, Transfer · Conventional Mortgage NORTH AMERICAN SAVINGS BANK FSB |
| Nov 20, 2020 | Deed of Trust, Mortgage · Conventional Mortgage BETTER MTG CORP ISAOA |
| Jan 23, 2017 | Warranty Deed, Transfer · Conventional Mortgage SUNTRUST MORTGAGE INC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Feb 28, 2022 · Amount on Record |
| Deed Sale | Feb 28, 2022 · Amount on Record |
| Prior Sale | Jan 23, 2017 · Amount on Record |
| Deed Document Number | 2022133557 |
| Record Updated | Jun 8, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ORANGE FL |
| Recording Date | Feb 28, 2022 |
| Property Address | 4956 RIVER GEM AVE, WINDERMERE, FL 34786-3118 |
| Document Number | 0000133557 |
| Map Reference | MB 53 PG 1-8 |
| Instrument Date | Feb 25, 2022 |
| Instrument | 20220133557 |
| Transaction Type | Transfer |
| Record Updated | Mar 14, 2022 |
| Title Company | FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INS CO |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $4,130.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 52974 CSAH 20, 52974, PAYNESVILLE, MN 56362-9528 |
| Name | Verified Name |
|---|---|
| Address | 4956 RIVER GEM AVE, WINDERMERE, FL 34786-3118 |
| Document Number | 0000133558 |
|---|---|
| Date | Feb 28, 2022 |
| Instrument | 20220133558 |
| Name | NORTH AMERICAN SAVINGS BANK FSB |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Mar 1, 2052 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ORANGE FL |
| Property Address | 4956 RIVER GEM AVE, WINDERMERE, FL 34786-3118 |
| Document Number | 0000017256 |
| Instrument Date | Nov 20, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Jan 27, 2021 |
| Title Company | TITLE SERVICE AND LIAISON COMPANIES, SIMPLIFILE LC E-RECORDING |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 4956 RIVER GEM AVE WINDERMERE FL 347863118, WINDERMERE, FL 34786-3118 |
| Document Number | 0000017256 |
|---|---|
| Date | Jan 11, 2021 |
| Instrument | 17256 |
| Name | BETTER MTG CORP ISAOA |
|---|---|
| Address | NEW YORK, NY 10271 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jan 10, 2051 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ORANGE FL |
| Recording Date | Jan 23, 2017 |
| Property Address | 4956 RIVER GEM AVE, WINDERMERE, FL 34786-3118 |
| Document Number | 0000042018 |
| Map Reference | MB 53 PG 1-8 |
| Instrument Date | Jan 20, 2017 |
| Instrument | 20170042018 |
| Transaction Type | Transfer |
| Record Updated | Jan 3, 2022 |
| Title Company | SOUTHERN TITLE HOLDING COMPA |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,488.50 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 13842 BRIDGEWATER CROSSINGS BLVD APT 303, 13842, WINDERMERE, FL 34786-7397 |
| Name | Verified Name |
|---|---|
| Address | 4956 RIVER GEM AVE, WINDERMERE, FL 34786-3118 |
| Document Number | 0000042019 |
|---|---|
| Date | Jan 23, 2017 |
| Instrument | 20170042019 |
| Name | SUNTRUST MORTGAGE INC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Feb 1, 2047 |
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 | $569,450 (+0.41%) Land $125,000 Building $444,450 | $569,450 (-0.2%) Land $125,000 Building $444,450 | |
| 2025 | $9,181.00 (+4.16%) Homeowner's exemption | $567,098 (+19%) | $570,600 (+19.74%) Land $125,000 Building $445,600 |
| 2024 | $8,814.00 (+11.33%) | ||
| 2023 | $7,917.00 (+62%) | $476,539 (+47.23%) Land $125,000 Building $351,539 | $476,539 (+16.41%) Land $125,000 Building $351,539 |
| 2022 | $4,887.00 Homeowner's exemption | $323,665 | $409,365 Land $110,000 Building $299,365 |
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 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.
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 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 |
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