Orange County property record for 5043 River Gem Ave, Windermere, FL 34786
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 2,715 sqft · built 2005 |
| Lot Size | 0.15 acres (6,550 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $381,000 (Dec 2020) |
| Tax Bill | $8,792 (2025) |
| Deeds & Mortgages | Dec 2020 Sale |
| Flood Zone | Zone X (minimal risk) |
| APN | 14-23-27-8393-00-280 |
| Primary APN | 14-23-27-8393-00-280 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 2 Stories |
| Building Area | 2,715 sqft Living Area |
| Gross Area | 4,050 sqft |
| 1st Floor Area | 1,304 sqft |
| Flooring | Carpet |
| 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 | 514 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Slab |
| Porch Area | 572 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Street Address | 5043 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 28 |
| Legal Range | 27E |
| Legal Township | 23S |
| Legal Section | 14 |
| Legal Subdivision | SUMMERPORT PH 3 |
| Legal Phase | 3 |
| Legal Tract | 8393 |
| Legal Lot Number | 28 |
| Jurisdiction | ORANGE FL |
| Township / Civil Division | SOUTHWEST ORANGE |
| Census Block Group | 2 |
| Census Block | 2022 |
| Census Tract | 17114 |
5043 River Gem Ave is owned by two individuals who bought it in December 2020.
Source: Orange County records, as of May 4, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 12905 WATER POINT BLVD, WINDERMERE, FL 34786-5817 |
| 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.
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Dec 31, 2020 · Amount on File |
| Deed Sale | Dec 31, 2020 · Amount on File |
| Prior Sale | Jul 28, 2014 · Amount on File |
| Deed Document Number | 2020684217 |
| Record Updated | Jun 8, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ORANGE FL |
| Recording Date | Dec 31, 2020 |
| Property Address | 5043 RIVER GEM AVE, WINDERMERE, FL 34786-3155 |
| Document Number | 0000684217 |
| Instrument Date | Dec 30, 2020 |
| Instrument | 684217 |
| Transaction Type | Transfer |
| Record Updated | Jan 20, 2021 |
| Title Company | CORE TITLE SERVICES LLC, CORE TITLE SVCS LLC |
| Amount | Amount on Record |
|---|---|
| Tax | $2,667.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 12905 WATER POINT BLVD WINDERMERE FL 347865817, WINDERMERE, FL 34786-5817 |
The 2025 property tax bill for 5043 River Gem Ave was $8,792, up 8.1% 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 | $513,449 (+1%) | $549,420 (-1.24%) Land $125,000 Building $424,420 | |
| 2025 | $8,792.00 (+8.1%) | $466,772 | $556,330 Land $125,000 Building $431,330 |
| 2024 | $8,133.00 (+15.39%) | ||
| 2023 | $7,048.00 (+12.97%) | $469,796 (+17.57%) Land $125,000 Building $344,796 | $469,796 (+17.57%) Land $125,000 Building $344,796 |
| 2022 | $6,239.00 | $399,586 Land $110,000 Building $289,586 | $399,586 Land $110,000 Building $289,586 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 5043 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 5043 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.
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 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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