5120 River Gem Ave, Windermere, FL 34786 Property Records

Orange County property record for 5120 River Gem Ave, Windermere, FL 34786

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,905 sqft · built 2005
Lot Size	0.894 acres (38,948 sqft)
Owner	2 Individual Names on File
Last Sale	$306,200 (Apr 2005)
Tax Bill	$4,797 (2025)
Deeds & Mortgages	Apr 2024 Line of Credit Dec 2020 Mortgage + 1 more
Flood Zone	Zone A (high risk)
APN	`14-23-27-8393-00-440`

Property Details

APN / Parcel Number

Primary APN	`14-23-27-8393-00-440`
Alternative APNs	`272314839300440` `139364` `140222` `141736`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Stories	1 Story
Building Area	2,905 sqft Living Area
Gross Area	3,957 sqft
1st Floor Area	2,905 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2005
Effective Year Built	Effective 2005
Exterior Material	Concrete Block
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	38,948 sqft (0.894 acres)
Garage Type	Attached
Garage Area	439 sqft
Parking Spaces	2 Parking Spaces
Porch	Florida Room
Porch Area	613 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	5120 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 44
Legal Range	27E
Legal Township	23S
Legal Section	14
Legal Subdivision	SUMMERPORT PH 3
Legal Phase	3
Legal Tract	8393
Legal Lot Number	44
Jurisdiction	ORANGE FL
Township / Civil Division	SOUTHWEST ORANGE
Census Block Group	2
Census Block	2016
Census Tract	17114

Owner

5120 River Gem Ave is owned and occupied by two individuals who acquired it in January 2018.

Source: Orange County records, as of April 30, 2026

Owner of Record	2 Individual Names on File
Mailing Address	5120 RIVER GEM AVE, WINDERMERE, FL 34786-3154
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
Apr 23, 2024	Deed of Trust, Mortgage · Line of Credit TRUIST BANK
Dec 3, 2020	Deed of Trust, Mortgage · Conventional Mortgage NP INC
Jan 25, 2018	Intrafamily Transfer, Transfer · Conventional Mortgage CONGRESSIONAL BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 14, 2005 · Amount on File
Deed Sale	Apr 14, 2005 · Amount on File
Deed Document Number	2005252574
Deed Book / Page	7919 / 4251
Last Transfer Date	Jan 17, 2018
Transfer Doc	0000049445
Record Updated	Jun 8, 2026

April 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ORANGE FL
Property Address	5120 RIVER GEM AVE, WINDERMERE, FL 34786-3154
Transaction Type	Mortgage
Record Updated	May 8, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5120 RIVER GEM AVE, WINDERMERE, FL 34786-3154

Mortgage

Document Number	0000231799
Date	Apr 23, 2024
Instrument	20240231799

Lender

Name	TRUIST BANK
Type	Bank
Address	WHITEVILLE, NC 28472

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Apr 8, 2054

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ORANGE FL
Property Address	5120 RIVER GEM AVE, WINDERMERE, FL 34786-3154
Document Number	0000643702
Instrument Date	Dec 3, 2020
Transaction Type	Mortgage
Record Updated	Dec 31, 2020
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	5120 RIVER GEM AVE WINDERMERE FL 347863154, WINDERMERE, FL 34786-3154

Mortgage

Document Number	0000643702
Date	Dec 10, 2020
Instrument	643702

Lender

Name	NP INC
Address	BOCA RATON, FL 33431

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Dec 9, 2050

January 2018: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	ORANGE FL
Recording Date	Jan 25, 2018
Property Address	5120 RIVER GEM AVE, WINDERMERE, FL 34786-3154
Document Number	0000049445
Map Reference	MB 56 PG 9-17
Instrument Date	Jan 17, 2018
Instrument	20180049445
Transaction Type	Transfer
Record Updated	Jan 3, 2022
Title Company	RESOURCE REAL ESTATE SERVICE

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5120 RIVER GEM AVE, WINDERMERE, FL 34786-3154

Mortgage

Document Number	0000049446
Date	Jan 25, 2018
Instrument	20180049446

Lender

Name	CONGRESSIONAL BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Feb 1, 2048

Tax Assessment & Valuation

The 2025 property tax bill for 5120 River Gem Ave was $4,797, up 5.5% 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		$303,376 (+2.7%)	$619,390 (-1.22%) Land $150,000 Building $469,390
2025	$4,797.00 (+5.45%) Homeowner's exemption	$295,400	$627,030 Land $150,000 Building $477,030
2024	$4,549.00 (+7.44%)
2023	$4,234.00 (+4.26%) Homeowner's exemption	$278,714 (+3%)	$532,578 (+16.7%) Land $150,000 Building $382,578
2022	$4,061.00 Homeowner's exemption	$270,596	$456,358 Land $135,000 Building $321,358

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

Flood

FEMA maps place 5120 River Gem Ave in Zone A, a high-risk flood area; flood insurance is required for federally backed loans.

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 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 5120 River Gem Ave is low, with a 0.01% annual chance of wildfire.

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.

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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