5475 Gemgold Ct, Windermere, FL 34786 Property Records

Orange County property record for 5475 Gemgold Ct, Windermere, FL 34786

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,170 sqft · built 2005
Lot Size	0.142 acres (6,165 sqft)
Owner	Individual Name on Record
Last Sale	$518,000 (Jun 2023)
Tax Bill	$8,299 (2025)
Deeds & Mortgages	Jun 2023 Mortgage Sep 2018 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`15-23-27-1540-00-380`

Property Details

APN / Parcel Number

Primary APN	`15-23-27-1540-00-380`
Alternative APNs	`272315154000380` `139837` `140692` `142207`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	2 Stories
Building Area	2,170 sqft Living Area
Gross Area	2,990 sqft
1st Floor Area	1,749 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2005
Effective Year Built	Effective 2005
Exterior Material	Concrete Block
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	6,165 sqft (0.142 acres)
Garage Type	Attached
Garage Area	477 sqft
Parking Spaces	2 Parking Spaces
Porch	Finished/Open Porch
Porch Area	269 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	5475 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 38
Legal Range	27E
Legal Township	23S
Legal Section	15
Legal Subdivision	EDENS HAMMOCK
Legal Tract	1540
Legal Lot Number	38
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 April 30, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	2411 SW 7TH AVE, MIAMI, FL 33129-1944
Owner Type	Individual
Vesting	Life Estate

Deeds, Mortgages & Sale History

Date	Document
Jun 26, 2023	Deed of Trust, Mortgage · Conventional Mortgage CROSSCOUNTRY MORTGAGE LLC
Sep 18, 2018	Deed of Trust, Mortgage · Line of Credit PARTNERS FCU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 26, 2023 · Amount on Record
Deed Sale	Jun 26, 2023 · Amount on Record
Prior Sale	Jul 15, 2014 · Amount on Record
Deed Document Number	2023358205
Record Updated	Oct 29, 2026

June 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ORANGE FL
Property Address	5475 GEMGOLD CT, WINDERMERE, FL 34786-3213
Transaction Type	Mortgage
Record Updated	Jul 14, 2023
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN MORTGAGE SLN

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2411 SW 7TH AVE, MIAMI, FL 33129-1944

Mortgage

Document Number	0000358206
Date	Jun 26, 2023
Instrument	20230358206

Lender

Name	CROSSCOUNTRY MORTGAGE LLC
Type	Mortgage Company
Address	CLEVELAND, OH 44114

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2053

September 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ORANGE FL
Property Address	5475 GEMGOLD CT, WINDERMERE, FL 34786-3213
Transaction Type	Mortgage
Record Updated	Aug 1, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000553329
Date	Sep 18, 2018
Instrument	20180553329

Lender

Name	PARTNERS FCU
Type	Credit Union
Address	ORLANDO, FL 32821

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	240 Months
Due	Sep 17, 2038

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

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		$466,200 (-1.23%) Land $110,000 Building $356,200	$466,200 (-1.23%) Land $110,000 Building $356,200
2025	$8,299.00 (+5.01%)	$472,010 (+82.02%) Land $110,000 Building $362,010	$472,010 (+17.76%) Land $110,000 Building $362,010
2024	$7,903.00 (+100.94%)
2023	$3,933.00 (+4.35%) Homeowner's exemption	$259,320 (+3%)	$400,840 (+13.14%) Land $110,000 Building $290,840
2022	$3,769.00 Homeowner's exemption	$251,767	$354,275 Land $110,000 Building $244,275

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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