Orange County property record for 5108 River Gem Ave, Windermere, FL 34786
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3 ba · 2,768 sqft · built 2005 |
| Lot Size | 0.782 acres (34,050 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $315,000 (Jul 2010) |
| Tax Bill | $5,333 (2025) |
| Deeds & Mortgages | Oct 2019 Line of Credit |
| Flood Zone | Zone A (high risk) |
| APN | 14-23-27-8393-00-420 |
| Primary APN | 14-23-27-8393-00-420 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3 Baths |
| Stories | 2 Stories |
| Building Area | 2,768 sqft Living Area |
| Gross Area | 3,860 sqft |
| 1st Floor Area | 1,671 sqft |
| Flooring | Carpet |
| Interior Walls | Custom/Decorative |
| Year Built | Built 2005 |
|---|---|
| Effective Year Built | Effective 2009 |
| Exterior Material | Concrete Block |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 34,050 sqft (0.782 acres) |
| Garage Type | Attached |
| Garage Area | 441 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Finished/Open Porch |
| Porch Area | 458 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Electric |
| Street Address | 5108 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 42 |
| Legal Range | 27E |
| Legal Township | 23S |
| Legal Section | 14 |
| Legal Subdivision | SUMMERPORT PH 3 |
| Legal Phase | 3 |
| Legal Tract | 8393 |
| Legal Lot Number | 42 |
| Jurisdiction | ORANGE FL |
| Township / Civil Division | SOUTHWEST ORANGE |
| Census Block Group | 2 |
| Census Block | 2016 |
| Census Tract | 17114 |
Source: Orange County records, as of April 30, 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 | 5108 RIVER GEM AVE, WINDERMERE, FL 34786-3154 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jul 1, 2010 · Amount on Record |
| Deed Sale | Jul 1, 2010 · Amount on Record |
| Prior Sale | Dec 8, 2005 · Amount on Record |
| Deed Document Number | 2010384388 |
| Deed Book / Page | 10069 / 2255 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ORANGE FL |
| Property Address | 5108 RIVER GEM AVE, WINDERMERE, FL 34786-3154 |
| Transaction Type | Mortgage |
| Record Updated | Jan 3, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0000674318 |
|---|---|
| Date | Oct 28, 2019 |
| Instrument | 20190674318 |
| Name | SUNTRUST BANK |
|---|---|
| Type | Bank |
| Address | ORLANDO, FL 32809 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Oct 27, 2049 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
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 | $337,527 (+2.7%) | $602,720 (-1.17%) Land $150,000 Building $452,720 | |
| 2025 | $5,333.00 (+5.17%) Homeowner's exemption | $328,653 (+5.99%) | $609,840 (+12.04%) Land $150,000 Building $459,840 |
| 2024 | $5,071.00 (+7.44%) | ||
| 2023 | $4,720.00 (+4.08%) Homeowner's exemption | $310,088 (+3%) | $544,282 (+16.78%) Land $150,000 Building $394,282 |
| 2022 | $4,535.00 Homeowner's exemption | $301,056 | $466,070 Land $135,000 Building $331,070 |
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 A high risk |
|---|---|
| 100-Year Floodplain | Yes 1% annual chance |
| Floodway | No |
| Base Flood Elevation | Not determined for this zone |
| Flood Insurance Requirement | Required federally backed loans |
| 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 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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