Orange County property record for 5018 River Gem Ave, Windermere, FL 34786
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 2,379 sqft · built 2005 |
| Lot Size | 0.207 acres (9,008 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $750,000 (May 2026) |
| Tax Bill | $8,360 (2025) |
| Deeds & Mortgages | May 2026 Sale Jan 2018 Line of Credit + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 14-23-27-8393-00-360 |
| Primary APN | 14-23-27-8393-00-360 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 2,379 sqft Living Area |
| Gross Area | 3,382 sqft |
| 1st Floor Area | 2,379 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2005 |
|---|---|
| Effective Year Built | Effective 2013 |
| Exterior Material | Concrete Block |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 9,008 sqft (0.207 acres) |
| Garage Type | Attached |
| Garage Area | 517 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Finished/Open Porch |
| Porch Area | 486 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Electric |
| Street Address | 5018 RIVER GEM AVE |
|---|---|
| City | WINDERMERE |
| State | FL |
| Zip | 34786-3154 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | P-D |
| Legal Description | SUMMERPORT PHASE 3 56/9 LOT 36 |
| Legal Range | 27E |
| Legal Township | 23S |
| Legal Section | 14 |
| Legal Subdivision | SUMMERPORT PH 3 |
| Legal Phase | 3 |
| Legal Tract | 8393 |
| Legal Lot Number | 36 |
| Jurisdiction | ORANGE FL |
| Township / Civil Division | SOUTHWEST ORANGE |
| Census Block Group | 2 |
| Census Block | 2016 |
| Census Tract | 17114 |
5018 River Gem Ave is owned and occupied by two individuals who bought it in May 2026.
Source: Orange County records, as of June 3, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 5018 RIVER GEM AVE, WINDERMERE, FL 34786-3154 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Tenants by the Entirety |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| May 26, 2026 | Warranty Deed, Transfer SIMPLIFILE |
| Jan 3, 2018 | Deed of Trust, Mortgage · Line of Credit FIDELITY BANK |
| Jul 18, 2022 | Warranty Deed, Transfer ATTORNEY ONLY, ATTORNEY |
| Dec 14, 2020 | Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LNS |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | May 26, 2026 · Amount on File |
| Deed Sale | May 26, 2026 · Amount on File |
| Prior Sale | Jul 18, 2022 · Amount on File |
| Deed Document Number | 2026292029 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ORANGE FL |
| Recording Date | May 26, 2026 |
| Property Address | 5018 RIVER GEM AVE, WINDERMERE, FL 34786-3154 |
| Document Number | 0000292029 |
| Instrument Date | May 22, 2026 |
| Instrument | 2026292029 |
| Transaction Type | Transfer |
| Record Updated | Jun 3, 2026 |
| Title Company | SIMPLIFILE |
| Amount | Amount on Record |
|---|---|
| Tax | $530,250.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 5018 RIVER GEM AVE, WINDERMERE, FL 34786-3154 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ORANGE FL |
| Property Address | 5018 RIVER GEM AVE, WINDERMERE, FL 34786-3154 |
| Transaction Type | Mortgage |
| Record Updated | Aug 1, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0000005477 |
|---|---|
| Date | Jan 3, 2018 |
| Instrument | 20180005477 |
| Name | FIDELITY BANK |
|---|---|
| Type | Bank |
| Address | WINTER GARDEN, FL 34787 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 118 Months |
| Due | Nov 29, 2027 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ORANGE FL |
| Recording Date | Jul 18, 2022 |
| Property Address | 5018 RIVER GEM AVE, WINDERMERE, FL 34786-3154 |
| Document Number | 0000436276 |
| Map Reference | MB 56 PG 9-17 |
| Instrument Date | Jul 8, 2022 |
| Instrument | 20220436276 |
| Transaction Type | Transfer |
| Record Updated | Aug 3, 2022 |
| Title Company | ATTORNEY ONLY, ATTORNEY |
| Amount | Amount on Record |
|---|---|
| Tax | $4,200.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 5787 CITRUS VILLAGE BLVD # BLVD313, 5787, WINTER GARDEN, FL 34787-5850 |
| Name | Verified Name |
|---|---|
| Address | 5018 RIVER GEM AVE, WINDERMERE, FL 34786-3154 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ORANGE FL |
| Property Address | 5018 RIVER GEM AVE, WINDERMERE, FL 34786-3154 |
| Document Number | 0000666442 |
| Instrument Date | Dec 14, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Jan 8, 2021 |
| Title Company | TITLE SERVICE AND LIAISON COMPANIES, SIMPLIFILE LC E-RECORDING |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 5018 RIVER GEM AVE WINDERMERE FL 347863154, WINDERMERE, FL 34786-3154 |
| Document Number | 0000666442 |
|---|---|
| Date | Dec 21, 2020 |
| Instrument | 666442 |
| Name | QUICKEN LNS |
|---|---|
| Type | Funding / Finance Company |
| Address | DETROIT, MI 48226-1906 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Dec 20, 2050 |
The 2025 property tax bill for 5018 River Gem Ave was $8,360, up 4.3% from the year before.
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 | $535,325 (+2.7%) | $562,700 (-1.35%) Land $125,000 Building $437,700 | |
| 2025 | $8,360.00 (+4.32%) Homeowner's exemption Widower's exemption | $521,251 | $570,400 Land $125,000 Building $445,400 |
| 2024 | $8,014.00 (+7.41%) | ||
| 2023 | $7,461.00 (+112.02%) Homeowner's exemption Widower's exemption | $491,807 (+108.63%) Land $125,000 Building $366,807 | $491,807 (+22.29%) Land $125,000 Building $366,807 |
| 2022 | $3,519.00 Homeowner's exemption | $235,733 | $402,171 Land $110,000 Building $292,171 |
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.
FEMA maps place 5018 River Gem Ave in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.
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 File 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 risk around 5018 River Gem Ave is low, with a 0.01% annual chance of 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.
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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