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4963 River Gem Ave, Windermere, FL 34786 Property Records

Orange County property record for 4963 River Gem Ave, Windermere, FL 34786

Property Summary

Property TypeSingle Family Home
Details4 bd · 2.5 ba · 2,674 sqft · built 2003
Lot Size0.185 acres (8,049 sqft)
OwnerIndividual Name on File
Last Sale$715,000 (Oct 2022)
Tax Bill$10,618 (2025)
Deeds & MortgagesOct 2022 Sale & Mortgage
Jan 2019 Loan Modification
Flood ZoneZone X (minimal risk)
APN10-23-27-8389-00-590

Property Details

APN / Parcel Number

Primary APN10-23-27-8389-00-590
Alternative APNs
  • 272310838900590
  • 137193
  • 138049
  • 139562

Interior

Bedrooms4 Beds
Full Baths2.5 Baths
Half Baths1 Half Bath
Stories2 Stories
Building Area2,674 sqft Living Area
Gross Area4,188 sqft
1st Floor Area1,494 sqft
FlooringWood
Interior WallsWallboard/Drywall

Exterior

Year BuiltBuilt 2003
Effective Year BuiltEffective 2018
Exterior MaterialConcrete Block
Roof TypeGable/Hip
Roof MaterialComposition Shingle
Lot Area8,049 sqft (0.185 acres)
Garage TypeAttached
Garage Area524 sqft
Parking Spaces2 Parking Spaces
PorchFinished/Open Porch
Porch Area320 sqft

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemForced Air with A/C
Heating FuelElectric

Location & Zoning

Street Address4963 RIVER GEM AVE
CityWINDERMERE
StateFL
Zip34786-3119
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodeP-D
Legal DescriptionSUMMERPORT PHASE 1 53/1 LOT 59
Legal Range27E
Legal Township23S
Legal Section10
Legal SubdivisionSUMMERPORT PH 1
Legal Phase1
Legal Tract8389
Legal Lot Number59
JurisdictionORANGE FL
Township / Civil DivisionSOUTHWEST ORANGE
Census Block Group2
Census Block2008
Census Tract17114

Owner

Source: Orange County records · APN 10-23-27-8389-00-590

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 RecordIndividual Name on File
Mailing Address4963 RIVER GEM AVE, WINDERMERE, FL 34786-3119
OccupancyOwner Occupied
Owner TypeIndividual
VestingHusband and Wife

Deeds, Mortgages & Sale History

DateDocument
Oct 05, 2022Warranty Deed, Transfer · Conventional Mortgage
CELEBRITY HOME LOANS LLC
Jan 15, 2019Loan Modification, Mortgage · Conventional Mortgage
OTHER INSTITUTIONAL LENDERS

Assessor's Deed Record

Deed NamesVerified Name on Deed
Last SaleOct 05, 2022 · Amount on Record
Deed SaleOct 05, 2022 · Amount on Record
Prior SaleJan 21, 2004 · Amount on Record
Deed Document Number2022603240
Record UpdatedJun 08, 2026

October 2022: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionORANGE FL
Recording DateOct 05, 2022
Property Address4963 RIVER GEM AVE, WINDERMERE, FL 34786-3119
Document Number0000603240
Map ReferenceMB 53 PG 1
Instrument DateSep 30, 2022
Instrument20220603240
Transaction TypeTransfer
Record UpdatedOct 24, 2022
Title CompanyTITLE WAREHOUSE/AMERICA INC, TITLE WAREHOUSES OF AMERICA

Transaction

AmountAmount Recorded
DownpaymentDownpayment on File
Loan-to-Value (LTV)LTV on Record
Tax$5,005.00
Amount AccuracyFull Amount Stated
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address1170 WOODS LANDING DR, 1170, MINNEOLA, FL 34715-6066

Transferred To (Grantee/Buyer)

NameVerified Name
Address4963 RIVER GEM AVE, WINDERMERE, FL 34786-3119
InvestorPossibly a Property Investor

Mortgage

Document Number0000603241
DateOct 05, 2022
Instrument20220603241
Lender
NameCELEBRITY HOME LOANS LLC
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term360 Months
DueOct 01, 2052

January 2019: Loan Modification, Mortgage

Document TypeLoan Modification
JurisdictionORANGE FL
Property Address4963 RIVER GEM AVE, WINDERMERE, FL 34786-3119
Document Number0000140809
Instrument DateJan 15, 2019
Transaction TypeMortgage
Record UpdatedMar 26, 2019
Title CompanyTITLE SERVICE AND LIAISON COMPANIES, SIMPLIFILE LC E-RECORDING

Transferred To (Grantee/Buyer)

NameVerified Name
Address4963 RIVER GEM AVE WINDERMERE FL 347863119, WINDERMERE, FL 34786-3119

Mortgage

Document Number0000140809
DateMar 08, 2019
Instrument140809
Lender
NameOTHER INSTITUTIONAL LENDERS
TypeBank
AddressSALT LAKE CITY, UT 84119
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term480 Months
DueMar 07, 2059
Interest
Rate TypeFixed Rate
Rate4.87%

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, not market price estimates; both are a fraction of this property's market value.

YearTax BillAssessed ValueAssessed Market Value
2026$652,890 (-0.5%) Land $125,000 Building $527,890$652,890 (-1.34%) Land $125,000 Building $527,890
2025$10,618.00 (+3.98%) Homeowner's exemption$656,166 (+19.82%)$661,730 (+20.84%) Land $125,000 Building $536,730
2024$10,212.00 (+13.23%)
2023$9,019.00 (+154.41%)$547,622 (+130.7%) Land $125,000 Building $422,622$547,622 (+30.07%) Land $125,000 Building $422,622
2022$3,545.00 Homeowner's exemption$237,371$421,037 Land $110,000 Building $311,037

Flood & Wildfire

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

Flood

FEMA Flood ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it
Flood Insurance CostPremium on Record
median of 41 policies
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 · Hurricane Ian

Wildfire

Wildfire RiskLow
lower than 80% of the US · lower than 93% of Florida
Wildfire Likelihood0.01% annual chance
ExposureNone
beyond ember reach

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 as of December 31, 2025 · Last verified October 2026

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

Based on FCC filings for 330 locations within half a mile of this property.

Drinking Water

Source: EPA Safe Drinking Water Information System, water system FL3484119, as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026

Water SystemOCUD/SOUTHERN WATER SYS (5 WPS)
serves 80,738 people
Water SourceGroundwater
Last State InspectionMay 2024
Lead2 ppb (2025)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and ReportingNone
last 3 years

Results are for the whole water system as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.

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