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5054 River Gem Ave, Windermere, FL 34786 Property Records

Orange County property record for 5054 River Gem Ave, Windermere, FL 34786

Property Summary

Property TypeSingle Family Home
Details4 bd · 3 ba · 3,095 sqft · built 2005
Lot Size0.762 acres (33,187 sqft)
OwnerIndividual Name on Record
Last Sale$329,200 (Jun 2005)
Tax Bill$8,691 (2025)
Deeds & MortgagesApr 2018 Loan Modification
Flood ZoneZone A (high risk)
APN14-23-27-8393-00-410

Property Details

APN / Parcel Number

Primary APN14-23-27-8393-00-410
Alternative APNs
  • 272314839300410
  • 139361
  • 140218
  • 141733

Interior

Bedrooms4 Beds
Full Baths3 Baths
Stories1 Story
Building Area3,095 sqft Living Area
Gross Area4,149 sqft
1st Floor Area3,095 sqft
FlooringCarpet
Interior WallsWallboard/Drywall

Exterior

Year BuiltBuilt 2005
Effective Year BuiltEffective 2005
Exterior MaterialConcrete Block
Roof TypeGable/Hip
Roof MaterialComposition Shingle
Lot Area33,187 sqft (0.762 acres)
Garage TypeAttached
Garage Area441 sqft
Parking Spaces2 Parking Spaces
PorchSlab
Porch Area613 sqft
Total Buildings2 Buildings

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemForced Air with A/C
Heating FuelElectric

Location & Zoning

Street Address5054 RIVER GEM AVE
CityWINDERMERE
StateFL
Zip34786-3154
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodeP-D
Legal DescriptionSUMMERPORT PHASE 3 56/9 LOT 41
Legal Range27E
Legal Township23S
Legal Section14
Legal SubdivisionSUMMERPORT PH 3
Legal Phase3
Legal Tract8393
Legal Lot Number41
JurisdictionORANGE FL
Township / Civil DivisionSOUTHWEST ORANGE
Census Block Group2
Census Block2016
Census Tract17114

Owner

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 RecordIndividual Name on Record
Mailing Address5054 RIVER GEM AVE, WINDERMERE, FL 34786-3154
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed NamesName on Deed
Last SaleJun 21, 2005 · Amount on Record
Deed SaleJun 21, 2005 · Amount on Record
Deed Document Number2005415756
Deed Book / Page8033 / 974
Last Transfer DateApr 21, 2010
Transfer Doc0000123331
Record UpdatedJun 8, 2026

April 2018: Loan Modification, Mortgage

Document TypeLoan Modification
JurisdictionORANGE FL
Property Address5054 RIVER GEM AVE, WINDERMERE, FL 34786-3154
Document Number0000496096
Instrument DateApr 24, 2018
Transaction TypeMortgage
Record UpdatedSep 6, 2018
Title CompanyCORELOGIC-SOLUTIONS EXPRESS

Transferred To (Grantee/Buyer)

NameVerified Name
Address5054 RIVER GEM AVE WINDERMERE FL 347863154, WINDERMERE, FL 34786-3154

Mortgage

Document Number0000496096
DateAug 21, 2018
Instrument496096
Lender
NameMR COOPER
AddressDALLAS, TX 75019
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term444 Months
DueAug 20, 2055
Interest
Rate TypeFixed Rate
Rate4%

Tax Assessment & Valuation

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

Property Jurisdictions

TypeName
StateFlorida
CountyOrange County
Unified School DistrictOrange County School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2026$551,240 (+2.7%)$668,770 (-1.4%) Land $150,000 Building $518,770
2025$8,691.00 (+4.23%) Homeowner's exemption$536,748 (+5.99%)$678,260 (+18.97%) Land $150,000 Building $528,260
2024$8,338.00 (+7.38%)
2023$7,765.00 (+3.55%) Homeowner's exemption$506,428 (+3%)$570,127 (+15.96%) Land $150,000 Building $420,127
2022$7,499.00 Homeowner's exemption$491,678 Land $135,000 Building $356,678$491,678 Land $135,000 Building $356,678

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

Flood

Source: FEMA National Flood Hazard Layer, effective September 24, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood ZoneZone A
high risk
100-Year FloodplainYes
1% annual chance
FloodwayNo
Base Flood ElevationNot determined for this zone
Flood Insurance RequirementRequired
federally backed loans
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

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

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

Wildfire RiskLow
lower than 80% of the US · lower than 93% of Florida
Wildfire Likelihood0.01% annual chance
ExposureNone
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 SystemOCUD/SOUTHERN WATER SYS (5 WPS)
serves 80,738 people · EPA ID FL3484119
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, 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

ProviderMax 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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