Orange County property record for 5019 River Gem Ave, Windermere, FL 34786
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,913 sqft · built 2005 |
| Lot Size | 0.15 acres (6,550 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $335,000 (Jul 2020) |
| Tax Bill | $7,617 (2025) |
| Deeds & Mortgages | Sep 2025 Mortgage Jul 2020 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 14-23-27-8393-00-320 |
| Primary APN | 14-23-27-8393-00-320 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,913 sqft Living Area |
| Gross Area | 2,756 sqft |
| 1st Floor Area | 1,913 sqft |
| Flooring | Wood |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2005 |
|---|---|
| Effective Year Built | Effective 2005 |
| Exterior Material | Concrete Block |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 6,550 sqft (0.15 acres) |
| Garage Type | Attached |
| Garage Area | 550 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Slab |
| Porch Area | 293 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Electric |
| Street Address | 5019 RIVER GEM AVE |
|---|---|
| City | WINDERMERE |
| State | FL |
| Zip | 34786-3155 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | P-D |
| Legal Description | SUMMERPORT PHASE 3 56/9 LOT 32 |
| Legal Range | 27E |
| Legal Township | 23S |
| Legal Section | 14 |
| Legal Subdivision | SUMMERPORT PH 3 |
| Legal Phase | 3 |
| Legal Tract | 8393 |
| Legal Lot Number | 32 |
| Jurisdiction | ORANGE FL |
| Township / Civil Division | SOUTHWEST ORANGE |
| Census Block Group | 2 |
| Census Block | 2022 |
| 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 | Individual Name on Record |
|---|---|
| Mailing Address | 5019 RIVER GEM AVE, WINDERMERE, FL 34786-3155 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Sep 18, 2025 | Deed of Trust, Mortgage · FHA Mortgage OUTAMATION INC |
| Jul 24, 2020 | Warranty Deed, Transfer · FHA Mortgage NATIONS LNDG |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jul 24, 2020 · Amount on Record |
| Deed Sale | Jul 24, 2020 · Amount on Record |
| Prior Sale | Aug 8, 2008 · Amount on Record |
| Deed Document Number | 2020394574 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ORANGE FL |
| Property Address | 5019 RIVER GEM AVE, WINDERMERE, FL 34786-3155 |
| Transaction Type | Mortgage |
| Record Updated | Oct 1, 2025 |
| Name | Verified Name |
|---|---|
| Address | 5019 RIVER GEM AVE, WINDERMERE, FL 34786-3155 |
| Document Number | 0000543060 |
|---|---|
| Date | Sep 18, 2025 |
| Instrument | 20250543060 |
| Name | OUTAMATION INC |
|---|---|
| Type | Non-Lending Institution |
| Address | FORT LAUDERDALE, FL 33323 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 299 Months |
| Due | Aug 1, 2050 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ORANGE FL |
| Recording Date | Jul 24, 2020 |
| Property Address | 5019 RIVER GEM AVE, WINDERMERE, FL 34786-3155 |
| Document Number | 0000394574 |
| Instrument Date | Jul 17, 2020 |
| Instrument | 394574 |
| Transaction Type | Transfer |
| Record Updated | Aug 10, 2020 |
| Title Company | CLOSING AGENT INC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,345.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 5019 RIVER GEM AVE WINDERMERE FL 347863155, WINDERMERE, FL 34786-3155 |
| Document Number | 394575 |
|---|---|
| Date | Jul 24, 2020 |
| Instrument | 394575 |
| Name | NATIONS LNDG |
|---|---|
| Address | INDEPENDENCE, OH 44131 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jul 23, 2050 |
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 | $439,638 (+1%) | $469,340 (-1.18%) Land $125,000 Building $344,340 | |
| 2025 | $7,617.00 (+8.18%) | $399,671 (-1.93%) | $474,950 (+16.55%) Land $125,000 Building $349,950 |
| 2024 | $7,041.00 (+14.58%) | ||
| 2023 | $6,145.00 (+12.9%) | $407,519 (+17.34%) Land $125,000 Building $282,519 | $407,519 (+17.34%) Land $125,000 Building $282,519 |
| 2022 | $5,443.00 | $347,290 Land $110,000 Building $237,290 | $347,290 Land $110,000 Building $237,290 |
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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