5408 Gemgold Ct, Windermere, FL 34786 Property Records

Orange County property record for 5408 Gemgold Ct, Windermere, FL 34786

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,515 sqft · built 2006
Lot Size	2.64 acres (115,231 sqft)
Owner	2 Individual Names on File
Last Sale	$400,000 (Jul 2019)
Tax Bill	$4,638 (2025)
Deeds & Mortgages	Nov 2025 Transfer Jul 2019 Sale & Mortgage
Flood Zone	Zone A (high risk)
APN	`15-23-27-1540-00-240`

Property Details

APN / Parcel Number

Primary APN	`15-23-27-1540-00-240`
Alternative APNs	`272315154000240` `139819` `140677` `142190`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,515 sqft Living Area
Gross Area	3,481 sqft
1st Floor Area	1,968 sqft
Flooring	Wood
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2006
Effective Year Built	Effective 2006
Exterior Material	Concrete Block/Stucco
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	115,231 sqft (2.64 acres)
Garage Type	Attached
Garage Area	462 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	408 sqft
Total Buildings	2 Buildings

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	5408 GEMGOLD CT
City	WINDERMERE
State	FL
Zip	34786-3213
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	P-D
Legal Description	EDENS HAMMOCK 62/134 LOT 24
Legal Range	27E
Legal Township	23S
Legal Section	15
Legal Subdivision	EDENS HAMMOCK
Legal Tract	1540
Legal Lot Number	24
Jurisdiction	ORANGE FL
Township / Civil Division	SOUTHWEST ORANGE
Census Block Group	2
Census Block	2016
Census Tract	17114

Owner

5408 Gemgold Ct is owned and occupied by two individuals who bought it in July 2019.

Source: Orange County records, as of October 13, 2026

Owner of Record	2 Individual Names on File
Mailing Address	5408 GEMGOLD CT, WINDERMERE, FL 34786-3213
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Life Estate

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
Nov 26, 2025	Intrafamily Transfer, Transfer
Jul 10, 2019	Warranty Deed, Transfer · ARM METRO CITY BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 10, 2019 · Amount on File
Deed Sale	Jul 10, 2019 · Amount on File
Prior Sale	Jun 9, 2014 · Amount on File
Deed Document Number	2019423285
Prior Transfer Date	Jun 6, 2014
Prior Transfer Doc	0000282864
Record Updated	Oct 29, 2026

November 2025: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	ORANGE FL
Recording Date	Nov 26, 2025
Property Address	5408 GEMGOLD CT, WINDERMERE, FL 34786-3213
Document Number	0000680970
Map Reference	MB 62 PG 134
Instrument Date	Nov 20, 2025
Instrument	20250680970
Transaction Type	Transfer
Record Updated	Dec 15, 2025

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	5408 GEMGOLD CT, WINDERMERE, FL 34786-3213

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5408 GEMGOLD CT, WINDERMERE, FL 34786-3213

July 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ORANGE FL
Recording Date	Jul 10, 2019
Property Address	5408 GEMGOLD CT, WINDERMERE, FL 34786-3213
Document Number	0000423285
Map Reference	MB 62 PG 134
Instrument Date	Jul 2, 2019
Instrument	20190423285
Transaction Type	Transfer
Record Updated	Jan 3, 2022
Title Company	HOMETOWN TITLE GROUP INC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,800.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	312 ENGLISH LAKE DR, 312, WINTER GARDEN, FL 34787-5234

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5408 GEMGOLD CT, WINDERMERE, FL 34786-3213

Mortgage

Document Number	0000423286
Date	Jul 10, 2019
Instrument	20190423286

Lender

Name	METRO CITY BANK
Type	Bank

Agreement

Type	ARM
Amount	Amount on Record
Term	361 Months
Due	Aug 1, 2049

Interest

Rate Type	Adjustable Rate
Rate	5.5%
Type Change Date	Aug 1, 2024
Change Frequency	Annually
Min Rate At Change	5.12%
Max Rate At Change	7.5%
Index	1-Year CMT
Max Rate	11.5%

Tax Assessment & Valuation

The 2025 property tax bill for 5408 Gemgold Ct was $4,638, 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		$293,258 (+2.7%)	$578,590 (-1.15%) Land $150,000 Building $428,590
2025	$4,638.00 (+5.53%) Homeowner's exemption	$285,548	$585,320 Land $150,000 Building $435,320
2024	$4,395.00 (+7.46%)
2023	$4,090.00 (+4.31%) Homeowner's exemption	$269,417 (+3%)	$495,405 (+12.9%) Land $135,000 Building $360,405
2022	$3,921.00 Homeowner's exemption	$261,570	$438,802 Land $135,000 Building $303,802

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

Flood

FEMA maps place 5408 Gemgold Ct 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 5408 Gemgold Ct 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 67% of the US · lower than 92% of Florida
Wildfire Likelihood	0.02% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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 166 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 35
Verizon Fixed Wireless	300 / 20

May also be available: AT&T.

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