5463 Gemgold Ct, Windermere, FL 34786 Property Records

Orange County property record for 5463 Gemgold Ct, Windermere, FL 34786

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 2,081 sqft · built 2006
Lot Size	0.162 acres (7,048 sqft)
Owner	2 Individual Names on Record
Last Sale	$599,000 (Mar 2026)
Tax Bill	$3,621 (2025)
Deeds & Mortgages	Aug 2023 Mortgage Mar 2026 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`15-23-27-1540-00-360`

Property Details

APN / Parcel Number

Primary APN	`15-23-27-1540-00-360`
Alternative APNs	`272315154000360` `139834` `140690` `142205`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Stories	2 Stories
Building Area	2,081 sqft Living Area
Gross Area	2,867 sqft
1st Floor Area	1,749 sqft
Flooring	Carpet
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	7,048 sqft (0.162 acres)
Garage Type	Attached
Garage Area	497 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	231 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	5463 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 36
Legal Range	27E
Legal Township	23S
Legal Section	15
Legal Subdivision	EDENS HAMMOCK
Legal Tract	1540
Legal Lot Number	36
Jurisdiction	ORANGE FL
Township / Civil Division	SOUTHWEST ORANGE
Census Block Group	2
Census Block	2016
Census Tract	17114

Owner

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

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on Record
Mailing Address	5463 GEMGOLD CT, WINDERMERE, FL 34786-3213
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

Deeds, Mortgages & Sale History

Date	Document
Aug 15, 2023	Deed of Trust, Mortgage · Stand-Alone First Mortgage THIRD FSLA OF CLEVELAND
Mar 9, 2026	Warranty Deed, Transfer · Conventional Mortgage JPMORGAN CHASE BANK NA
Oct 2, 2017	Warranty Deed, Transfer · Conventional with PMI THIRD FED'L S&L/CLEVELAND

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 9, 2026 · Amount on Record
Deed Sale	Mar 9, 2026 · Amount on Record
Prior Sale	Oct 2, 2017 · Amount on Record
Deed Document Number	2026137828
Prior Transfer Date	Nov 16, 2011
Prior Transfer Doc	0000613874
Record Updated	Oct 29, 2026

August 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ORANGE FL
Property Address	5463 GEMGOLD CT, WINDERMERE, FL 34786-3213
Transaction Type	Mortgage
Record Updated	Mar 24, 2026
Title Company	TITLE 365, TITLE365

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5463 GEMGOLD CT, WINDERMERE, FL 34786-3213

Mortgage

Document Number	0000462774
Date	Aug 15, 2023
Instrument	20230462774

Lender

Name	THIRD FSLA OF CLEVELAND
Type	Bank
Address	CLEVELAND, OH 44105

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded
Term	60 Months
Due	Aug 7, 2028

March 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ORANGE FL
Recording Date	Mar 9, 2026
Property Address	5463 GEMGOLD CT, WINDERMERE, FL 34786-3213
Document Number	0000137828
Map Reference	MB 62 PG 134-143
Instrument Date	Mar 5, 2026
Instrument	20260137828
Transaction Type	Transfer
Record Updated	Mar 24, 2026
Title Company	FIRST AMERICAN TITLE INSURANCE COMPANY NC, FIRST AMERICAN TITLE INS CO

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$4,193.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3813 DOUNE WAY, CLERMONT, FL 34711-6966

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	5463 GEMGOLD CT, WINDERMERE, FL 34786-3213

Mortgage

Document Number	0000137829
Date	Mar 9, 2026
Instrument	20260137829

Lender

Name	JPMORGAN CHASE BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2056

October 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ORANGE FL
Recording Date	Oct 2, 2017
Property Address	5463 GEMGOLD CT, WINDERMERE, FL 34786-3213
Document Number	0000537491
Instrument Date	Sep 29, 2017
Instrument	537491
Transaction Type	Transfer
Record Updated	Oct 16, 2017
Title Company	COBBLESTONE TITLE SERVICES, COBBLESTONE TITLE SVCS

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,257.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	5463 GEMGOLD CT WINDERMERE FL 347863213, WINDERMERE, FL 34786-3213

Mortgage

Document Number	537492
Date	Oct 2, 2017
Instrument	537492

Lender

Name	THIRD FED'L S&L/CLEVELAND
Type	Federal Savings Bank
Address	CLEVELAND, OH 44105

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Oct 1, 2047

Tax Assessment & Valuation

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		$228,529 (+2.7%)	$511,680 (-1.42%) Land $110,000 Building $401,680
2025	$3,621.00 (+6.34%) Homeowner's exemption	$222,521 (+5.99%)	$519,040 (+20.68%) Land $110,000 Building $409,040
2024	$3,405.00 (+7.51%)
2023	$3,167.00 (+4.76%) Homeowner's exemption	$209,951 (+3%)	$430,112 (+12.13%) Land $110,000 Building $320,112
2022	$3,023.00 Homeowner's exemption	$203,836	$383,598 Land $110,000 Building $273,598

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

Flood

Source: FEMA National Flood Hazard Layer, effective September 24, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone A, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
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.

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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