5037 River Gem Ave, Windermere, FL 34786 Property Records

Orange County property record for 5037 River Gem Ave, Windermere, FL 34786

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,511 sqft · built 2004
Lot Size	0.15 acres (6,550 sqft)
Owner	2 Individual Names on File
Last Sale	$285,000 (Jul 2007)
Tax Bill	$2,710 (2025)
Deeds & Mortgages	Jan 2024 Mortgage May 2022 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`14-23-27-8393-00-290`

Property Details

APN / Parcel Number

Primary APN	`14-23-27-8393-00-290`
Alternative APNs	`272314839300290` `139345` `140202` `141718`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,511 sqft Living Area
Gross Area	2,445 sqft
1st Floor Area	1,511 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2004
Effective Year Built	Effective 2004
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	572 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	362 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C
Heating Fuel	Electric

Location & Zoning

Street Address	5037 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 29
Legal Range	27E
Legal Township	23S
Legal Section	14
Legal Subdivision	SUMMERPORT PH 3
Legal Phase	3
Legal Tract	8393
Legal Lot Number	29
Jurisdiction	ORANGE FL
Township / Civil Division	SOUTHWEST ORANGE
Census Block Group	2
Census Block	2022
Census Tract	17114

Owner

5037 River Gem Ave is owned and occupied by two individuals who acquired it in August 2021.

Source: Orange County records, as of May 4, 2026

Owner of Record	2 Individual Names on File
Mailing Address	5037 RIVER GEM AVE, WINDERMERE, FL 34786-3155
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Jan 24, 2024	Deed of Trust, Mortgage · FHA Mortgage UNITED WHOLESALE MORTGAGE
May 17, 2022	Deed of Trust, Mortgage · FHA Mortgage RP FUNDING INC
Dec 31, 2024	Deed of Trust, Mortgage · Line of Credit TRUIST BANK
Jan 26, 2021	Deed of Trust, Mortgage · FHA Mortgage PEOPLES BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 17, 2007 · Amount on File
Deed Sale	Jul 17, 2007 · Amount on File
Prior Sale	Jan 14, 2005 · Amount on File
Deed Document Number	2007466697
Deed Book / Page	9352 / 1182
Last Transfer Date	Aug 6, 2021
Transfer Doc	0000488678
Record Updated	Oct 29, 2026

January 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ORANGE FL
Property Address	5037 RIVER GEM AVE, WINDERMERE, FL 34786-3155
Transaction Type	Mortgage
Record Updated	Jun 8, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5037 RIVER GEM AVE, WINDERMERE, FL 34786-3155

Mortgage

Document Number	0000044180
Date	Jan 24, 2024
Instrument	20240044180

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company
Address	PONTIAC, MI 48341

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Feb 1, 2054

May 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ORANGE FL
Property Address	5037 RIVER GEM AVE, WINDERMERE, FL 34786-3155
Transaction Type	Mortgage
Record Updated	Jun 8, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5037 RIVER GEM AVE, WINDERMERE, FL 34786-3155

Mortgage

Document Number	0000314120
Date	May 17, 2022
Instrument	20220314120

Lender

Name	RP FUNDING INC
Type	Mortgage Company
Address	LAKE MARY, FL 32746

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jun 1, 2052

December 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ORANGE FL
Property Address	5037 RIVER GEM AVE, WINDERMERE, FL 34786-3155
Transaction Type	Mortgage
Record Updated	Jun 8, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5037 RIVER GEM AVE, WINDERMERE, FL 34786-3155

Mortgage

Document Number	0000738931
Date	Dec 31, 2024
Instrument	20240738931

Lender

Name	TRUIST BANK
Type	Bank
Address	CHARLOTTE, NC 28202

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Dec 16, 2054

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

January 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ORANGE FL
Property Address	5037 RIVER GEM AVE, WINDERMERE, FL 34786-3155
Transaction Type	Mortgage
Record Updated	Jan 3, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5037 RIVER GEM AVE, WINDERMERE, FL 34786-3155

Mortgage

Document Number	0000048883
Date	Jan 26, 2021
Instrument	20210048883

Lender

Name	PEOPLES BANK
Type	Bank
Address	NORTH CHARLESTON, SC 29405

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Feb 1, 2051

Tax Assessment & Valuation

The 2025 property tax bill for 5037 River Gem Ave was $2,710, up 7.5% from the year before.

Source: Orange County assessment roll, as of April 30, 2026

Property Jurisdictions

Type	Name
State	Florida
County	Orange County
Unified School District	Orange County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$170,572 (+2.7%)	$413,060 (-1.13%) Land $125,000 Building $288,060
2025	$2,710.00 (+7.54%) Homeowner's exemption	$166,088	$417,780 Land $125,000 Building $292,780
2024	$2,520.00 (+7.6%)
2023	$2,342.00 (+5.5%) Homeowner's exemption	$156,706 (+3%)	$359,548 (+17.11%) Land $125,000 Building $234,548
2022	$2,220.00 Homeowner's exemption	$152,142	$307,011 Land $110,000 Building $197,011

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 5037 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

Wildfire risk around 5037 River Gem Ave is low, with a 0.02% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 93% of the US · lower than 94% of Florida
Wildfire Likelihood	0.02% annual chance
Exposure	None beyond ember reach

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 296 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · Fixed Wireless in parts of the area	5,000 / 5,000
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: CenturyLink.

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