Orange County property record for 5420 Gemgold Ct, Windermere, FL 34786
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3.5 ba · 2,890 sqft · built 2006 |
| Lot Size | 0.776 acres (33,819 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $551,700 (Sep 2006) |
| Tax Bill | $5,154 (2025) |
| Flood Zone | Zone A (high risk) |
| APN | 15-23-27-1540-00-220 |
| Primary APN | 15-23-27-1540-00-220 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3.5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 2,890 sqft Living Area |
| Gross Area | 3,960 sqft |
| 1st Floor Area | 1,990 sqft |
| Flooring | Wood |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2006 |
|---|---|
| Effective Year Built | Effective 2006 |
| Exterior Material | Concrete Block |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 33,819 sqft (0.776 acres) |
| Garage Type | Attached |
| Garage Area | 440 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Slab |
| Porch Area | 408 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Electric |
| Street Address | 5420 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 22 |
| Legal Range | 27E |
| Legal Township | 23S |
| Legal Section | 15 |
| Legal Subdivision | EDENS HAMMOCK |
| Legal Tract | 1540 |
| Legal Lot Number | 22 |
| Jurisdiction | ORANGE FL |
| Township / Civil Division | SOUTHWEST ORANGE |
| Census Block Group | 2 |
| Census Block | 2016 |
| Census Tract | 17114 |
5420 Gemgold Ct is owned and occupied by two individuals who bought it in September 2006.
Source: Orange County records, as of May 4, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 5420 GEMGOLD CT, WINDERMERE, FL 34786-3213 |
| 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.
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Sep 18, 2006 · Amount on File |
| Deed Sale | Sep 18, 2006 · Amount on File |
| Deed Document Number | 2006616631 |
| Deed Book / Page | 8867 / 3154 |
| Record Updated | Jun 8, 2026 |
The 2025 property tax bill for 5420 Gemgold Ct was $5,154, up 5.2% from the year before.
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 | $326,125 (+2.7%) | $664,000 (-1.45%) Land $150,000 Building $514,000 | |
| 2025 | $5,154.00 (+5.25%) Homeowner's exemption | $317,551 | $673,780 Land $150,000 Building $523,780 |
| 2024 | $4,897.00 (+7.44%) | ||
| 2023 | $4,558.00 (+4.14%) Homeowner's exemption | $299,614 (+3%) | $558,993 (+12.46%) Land $135,000 Building $423,993 |
| 2022 | $4,377.00 Homeowner's exemption | $290,887 | $497,075 Land $135,000 Building $362,075 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 5420 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 risk around 5420 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.
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 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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