Orange County property record for 4957 River Gem Ave, Windermere, FL 34786
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 2,427 sqft · built 2004 |
| Lot Size | 0.156 acres (6,817 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $403,000 (Apr 2021) |
| Tax Bill | $9,118 (2025) |
| Deeds & Mortgages | Apr 2021 Mortgage Apr 2021 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 10-23-27-8389-00-600 |
| Primary APN | 10-23-27-8389-00-600 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 2,427 sqft Living Area |
| Gross Area | 2,974 sqft |
| 1st Floor Area | 2,427 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 | 6,817 sqft (0.156 acres) |
| Garage Type | Attached |
| Garage Area | 462 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Finished/Open Porch |
| Porch Area | 85 sqft |
| Total Buildings | 2 Buildings |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Street Address | 4957 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 60 |
| Legal Range | 27E |
| Legal Township | 23S |
| Legal Section | 10 |
| Legal Subdivision | SUMMERPORT PH 1 |
| Legal Phase | 1 |
| Legal Tract | 8389 |
| Legal Lot Number | 60 |
| Jurisdiction | ORANGE FL |
| Township / Civil Division | SOUTHWEST ORANGE |
| Census Block Group | 2 |
| Census Block | 2008 |
| 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 | 4957 RIVER GEM AVE, WINDERMERE, FL 34786-3119 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Apr 29, 2021 | Deed of Trust, Mortgage · Conventional Mortgage PARTNERS FCU |
| Apr 29, 2021 | Deed of Trust, Mortgage · Conventional Mortgage PARTNERS FCU |
| Jan 27, 2021 | Quit Claim Deed, Transfer TITLE SERVICE AND LIAISON COMPANIES, SIMPLIFILE LC E-RECORDING |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Apr 29, 2021 · Amount on Record |
| Deed Sale | Apr 29, 2021 · Amount on Record |
| Prior Sale | May 26, 2004 · Amount on Record |
| Deed Document Number | 2021259980 |
| Prior Transfer Date | Jan 1, 2021 |
| Prior Transfer Doc | 0000051473 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ORANGE FL |
| Property Address | 4957 RIVER GEM AVE, WINDERMERE, FL 34786-3119 |
| Transaction Type | Mortgage |
| Record Updated | Jan 3, 2022 |
| Title Company | FIDELITY NATIONAL TITLE |
| Name | Verified Name |
|---|---|
| Address | 4957 RIVER GEM AVE, WINDERMERE, FL 34786-3119 |
| Document Number | 0000259981 |
|---|---|
| Date | Apr 29, 2021 |
| Instrument | 20210259981 |
| Name | PARTNERS FCU |
|---|---|
| Type | Credit Union |
| Address | ORLANDO, FL 32821 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | May 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ORANGE FL |
| Property Address | 4957 RIVER GEM AVE, WINDERMERE, FL 34786-3119 |
| Transaction Type | Mortgage |
| Record Updated | May 21, 2021 |
| Title Company | FIDELITY NATIONAL TITLE |
| Name | Verified Name |
|---|---|
| Address | 4957 RIVER GEM AVE, WINDERMERE, FL 34786-3119 |
| Document Number | 20210259981 |
|---|---|
| Date | Apr 29, 2021 |
| Instrument | 20210259981 |
| Name | PARTNERS FCU |
|---|---|
| Type | Credit Union |
| Address | ORLANDO, FL 32821 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | May 1, 2051 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | ORANGE FL |
| Recording Date | Jan 27, 2021 |
| Property Address | 4957 RIVER GEM AVE, WINDERMERE, FL 34786-3119 |
| Document Number | 0000051473 |
| Instrument Date | Jan 1, 2021 |
| Instrument | 51473 |
| Transaction Type | Transfer |
| Record Updated | Feb 11, 2021 |
| Title Company | TITLE SERVICE AND LIAISON COMPANIES, SIMPLIFILE LC E-RECORDING |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Revocable Trust |
| Address | 4957 RIVER GEM AVE WINDERMERE FL 347863119, WINDERMERE, FL 34786-3119 |
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 | $527,290 (+2.3%) Land $125,000 Building $402,290 | $527,290 (-1.21%) Land $125,000 Building $402,290 | |
| 2025 | $9,118.00 (+8.23%) | $515,455 (+13.74%) | $533,730 (+17.77%) Land $125,000 Building $408,730 |
| 2024 | $8,425.00 (+15.3%) | ||
| 2023 | $7,307.00 (+12.55%) | $453,180 (+17.02%) Land $125,000 Building $328,180 | $453,180 (+17.02%) Land $125,000 Building $328,180 |
| 2022 | $6,492.00 | $387,268 Land $110,000 Building $277,268 | $387,268 Land $110,000 Building $277,268 |
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 |
|---|---|
| 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 |
Search by:
By searching, you agree to: Terms • Privacy • Disclosures