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5474 Gemgold Ct, Windermere, FL 34786 Property Records

Orange County property record for 5474 Gemgold Ct, Windermere, FL 34786

Property Summary

Property TypeSingle Family Home
Details4 bd · 2.5 ba · 2,431 sqft · built 2006
Lot Size0.582 acres (25,339 sqft)
Owner2 Individual Names on Record
Last Sale$220,000 (Aug 2010)
Tax Bill$4,372 (2025)
Deeds & MortgagesJan 2022 Mortgage
Jul 2018 Mortgage
Flood ZoneZone X (minimal risk)
APN15-23-27-1540-00-140

Property Details

APN / Parcel Number

Primary APN15-23-27-1540-00-140
Alternative APNs
  • 272315154000140
  • 139807
  • 140664
  • 142179

Interior

Bedrooms4 Beds
Full Baths2.5 Baths
Half Baths1 Half Bath
Stories2 Stories
Building Area2,431 sqft Living Area
Gross Area3,608 sqft
1st Floor Area1,200 sqft
FlooringCarpet
Interior WallsWallboard/Drywall

Exterior

Year BuiltBuilt 2006
Effective Year BuiltEffective 2006
Exterior MaterialConcrete Block
Roof TypeGable/Hip
Roof MaterialComposition Shingle
Lot Area25,339 sqft (0.582 acres)
Garage TypeAttached
Garage Area420 sqft
Parking Spaces2 Parking Spaces
PorchFinished/Open Porch
Porch Area540 sqft

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemForced Air with A/C
Heating FuelElectric

Location & Zoning

Street Address5474 GEMGOLD CT
CityWINDERMERE
StateFL
Zip34786-3213
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodeP-D
Legal DescriptionEDENS HAMMOCK 62/134 LOT 14
Legal Range27E
Legal Township23S
Legal Section15
Legal SubdivisionEDENS HAMMOCK
Legal Tract1540
Legal Lot Number14
JurisdictionORANGE FL
Township / Civil DivisionSOUTHWEST ORANGE
Census Block Group2
Census Block2016
Census Tract17114

Owner

Source: Orange County records, as of April 30, 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 Record2 Individual Names on Record
Mailing Address5474 GEMGOLD CT, WINDERMERE, FL 34786-3213
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Jan 20, 2022Deed of Trust, Mortgage · FHA Mortgage
NATIONSTAR MORTGAGE LLC
Jul 19, 2018Deed of Trust, Mortgage · FHA Mortgage
HUD-HOUSING/URBAN DEV

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleAug 26, 2010 · Amount on Record
Deed SaleAug 26, 2010 · Amount on Record
Prior SaleSep 1, 2006 · Amount on Record
Deed Document Number2010498781
Deed Book / Page10095 / 6352
Record UpdatedJun 8, 2026

January 2022: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionORANGE FL
Property Address5474 GEMGOLD CT, WINDERMERE, FL 34786-3213
Transaction TypeMortgage
Record UpdatedFeb 4, 2022

Transferred To (Grantee/Buyer)

NameVerified Name
Address5474 GEMGOLD CT, WINDERMERE, FL 34786-3213

Mortgage

Document Number0000043107
DateJan 20, 2022
Instrument20220043107
Lender
NameNATIONSTAR MORTGAGE LLC
TypeMortgage Company
AddressMADISON HEIGHTS, MI 48071
Agreement
TypeFHA Mortgage
AmountAmount Recorded
Term290 Months
DueMar 1, 2046

July 2018: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionORANGE FL
Property Address5474 GEMGOLD CT, WINDERMERE, FL 34786-3213
Document Number0000506382
Instrument DateJul 19, 2018
Transaction TypeMortgage
Record UpdatedSep 13, 2018
Title CompanyCORELOGIC-SOLUTIONS EXPRESS

Transferred To (Grantee/Buyer)

NameVerified Name
Address5474 GEMGOLD CT WINDERMERE FL 347863213, WINDERMERE, FL 34786-3213

Mortgage

Document Number0000506382
DateAug 24, 2018
Instrument506382
Lender
NameHUD-HOUSING/URBAN DEV
AddressWASHINGTON, DC 20410
Agreement
TypeFHA Mortgage
AmountAmount Recorded
Term336 Months
DueAug 23, 2046

Tax Assessment & Valuation

Source: Orange County assessment roll, as of April 30, 2026

Property Jurisdictions

TypeName
StateFlorida
CountyOrange County
Unified School DistrictOrange County School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2026$276,362 (+2.7%)$582,560 (-1.35%) Land $150,000 Building $432,560
2025$4,372.00 (+5.68%) Homeowner's exemption$269,096 (+5.99%)$590,520 (+22.38%) Land $150,000 Building $440,520
2024$4,137.00 (+7.48%)
2023$3,849.00 (+4.39%) Homeowner's exemption$253,895 (+3%)$482,516 (+11.99%) Land $135,000 Building $347,516
2022$3,687.00 Homeowner's exemption$246,500$430,871 Land $135,000 Building $295,871

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

Flood

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

FEMA Flood ZoneZone X
minimal risk
Nearest Special Flood Hazard AreaZone A, within 100 ft
Flood Insurance RequirementNot required
lenders may require it
Flood Insurance CostPremium on Record
median of 41 policies
Community Rating SystemClass 5 (25% premium discount)
Nearby Flood Policies41 in force
Nearby Flood Claims1 (2022)
Claims Outside the SFHA1 of 1
Most Recent ClaimSep 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 RiskLow
lower than 67% of the US · lower than 92% of Florida
Wildfire Likelihood0.02% annual chance
ExposureIndirect
within ember reach
Adjoins Burnable LandYes

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 SystemOCUD/SOUTHERN WATER SYS (5 WPS)
serves 80,738 people · EPA ID FL3484119
Water SourceGroundwater
Last State InspectionMay 2024
Lead2 ppb (2025)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and ReportingNone
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

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

May also be available: AT&T.

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