5126 River Gem Ave, Windermere, FL 34786 Property Records

Orange County property record for 5126 River Gem Ave, Windermere, FL 34786

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 3,114 sqft · built 2005
Lot Size	1.08 acres (47,153 sqft)
Owner	2 Individual Names on File
Last Sale	$40,000 (Aug 2012)
Tax Bill	$5,257 (2025)
Deeds & Mortgages	Apr 2021 Mortgage Apr 2021 Mortgage
Flood Zone	Zone A (high risk)
APN	`14-23-27-8393-00-450`

Property Details

APN / Parcel Number

Primary APN	`14-23-27-8393-00-450`
Alternative APNs	`272314839300450` `139366` `140223` `141737`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Stories	2 Stories
Building Area	3,114 sqft Living Area
Gross Area	4,662 sqft
1st Floor Area	2,296 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2005
Effective Year Built	Effective 2005
Exterior Material	Concrete Block/Stucco
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	47,153 sqft (1.08 acres)
Garage Type	Attached
Garage Area	624 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	1,140 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	5126 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 45
Legal Range	27E
Legal Township	23S
Legal Section	14
Legal Subdivision	SUMMERPORT PH 3
Legal Phase	3
Legal Tract	8393
Legal Lot Number	45
Jurisdiction	ORANGE FL
Township / Civil Division	SOUTHWEST ORANGE
Census Block Group	2
Census Block	2016
Census Tract	17114

Owner

5126 River Gem Ave is owned and occupied by two individuals who bought it in August 2012.

Source: Orange County records, as of October 12, 2026

Owner of Record	2 Individual Names on File
Mailing Address	5126 RIVER GEM AVE, WINDERMERE, FL 34786-3154
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

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 1, 2021	Deed of Trust, Mortgage · Conventional Mortgage NORTHPOINT MORTGAGE INC
Apr 1, 2021	Deed of Trust, Mortgage · Conventional Mortgage NORTHPOINT MORTGAGE INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 16, 2012 · Amount on File
Deed Sale	Aug 16, 2012 · Amount on File
Prior Sale	Jul 27, 2005 · Amount on File
Deed Document Number	2012440371
Deed Book / Page	10427 / 1326
Prior Transfer Date	Aug 1, 2011
Prior Transfer Doc	0000440371
Record Updated	Oct 29, 2026

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ORANGE FL
Property Address	5126 RIVER GEM AVE, WINDERMERE, FL 34786-3154
Transaction Type	Mortgage
Record Updated	Jan 3, 2022
Title Company	GOLDSTAR TITLE, GOLD STAR TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	51256 RIVER GEM AVE, WINDERMERE, FL 34786

Mortgage

Document Number	0000186260
Date	Apr 1, 2021
Instrument	20210186260

Lender

Name	NORTHPOINT MORTGAGE INC
Type	Mortgage Company
Address	FISKDALE, MA 01518

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Apr 1, 2051

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ORANGE FL
Property Address	5126 RIVER GEM AVE, WINDERMERE, FL 34786-3154
Transaction Type	Mortgage
Record Updated	Apr 23, 2021
Title Company	GOLD STAR TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	51256 RIVER GEM AVE, WINDERMERE, FL 34786

Mortgage

Document Number	20210186260
Date	Apr 1, 2021
Instrument	20210186260

Lender

Name	NORTHPOINT MORTGAGE INC
Type	Mortgage Company
Address	FISKDALE, MA 01518

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Apr 1, 2051

Tax Assessment & Valuation

The 2025 property tax bill for 5126 River Gem Ave was $5,257, up 5.2% 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		$332,692 (+2.7%)	$675,740 (+0.05%) Land $150,000 Building $525,740
2025	$5,257.00 (+5.2%) Homeowner's exemption	$323,945	$675,400 Land $150,000 Building $525,400
2024	$4,997.00 (+7.44%)
2023	$4,651.00 (+4.1%) Homeowner's exemption	$305,646 (+3%)	$568,054 (+16.66%) Land $150,000 Building $418,054
2022	$4,468.00 Homeowner's exemption	$296,744	$486,947 Land $135,000 Building $351,947

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

Flood

FEMA maps place 5126 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 5126 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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