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Single Family ResidenceResidential
$632,363$239 / ft²
TopHap EstimateOur estimate of what this home would sell for today, based on nearby sales, the home's size and features, and local price trends. It is a starting point, not an appraisal.· confidence 94How well the pricing models agreed with each other on this home. Higher means the estimate rests on stronger, more consistent data.· as of Jul 14, 2026
Last sold for $287,300 on Jan 24, 2006

4520 RIVER GEM AVE

WINDERMERE, FL 34786
4
Beds
3
Baths
2,644 ft²
Living AreaTotal finished area of the structures, from county records. Some counties include shared space like hallways or a building gym, so it may not match a listing.
0.2 ac
Lot SizeThe size of the land the home sits on, from county records.
2005
Year BuiltThe year the home was originally built, according to county records.
1
StoriesHow many floors the home has above ground.
2
ParkingThe number of parking spaces on the property, including the garage.

Valuation

$632K
$594K low$671K high
Last SaleThe most recent sale price and date from the recorded deed. Transfers between family members or companies may not reflect market value.$287,300 · Jan 24, 2006
Est. Owner EquityRoughly how much of the home's value the owner would keep after paying off known loans. It is our estimate minus the loans still owed.$416,463
Est. Lendable EquityThe part of the owner's equity a lender would typically let them borrow against — about 80% of their equity.$333,170
Loan-to-ValueHow much is still owed on the home compared to what it is worth. 80% means loans equal 80% of our estimate, so it shifts when the estimate does.34%
1st MortgageA loan still believed to be open on this home, in the order lenders get repaid. The first position is paid back before the second.$215,900
JPMORGAN CHASE BANK NA · recorded Sep 15, 2011

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$8,485 (2024)
Assessed ValueThe value the county assigns to this home to calculate property tax. It is often lower than what the home would sell for.$491,303 (2025)
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$560,233
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$581,930

Property Facts

Property TypeThe broad category the county puts this property in, such as residential or commercial.Single Family Residence
CountyOrange
Lot (acres)The size of the land the home sits on, from county records.0.20
RoofThe main material covering the roof, such as asphalt shingle or tile.Composition Shingle
HeatingThe type of heating system in the home.Forced Air
CoolingThe type of cooling or air conditioning in the home.Central
PoolWhether the property has a pool, and what kind, such as in-ground.No
FeaturesExtra features found in county records. Records are not complete everywhere, so a missing feature does not always mean the home lacks it.Porch · 351 ft²

Transaction History(2)

Sales and refinances filed with the county for this home. Not every transfer is a normal sale, so check the type before comparing prices.

Assigned SchoolsThe public schools this address is zoned for. Boundaries change, so confirm with the district before you count on it.

E
Keene's Crossing Elementary SchoolA+
Elementary · Grades PK–5 · 0.6 mi
H
Windermere High SchoolB+
High · Grades 9–12 · 1.1 mi
M
Bridgewater Middle SchoolA
Middle · Grades 6–8 · 1.6 mi

District: Orange County School District

Neighborhood · ZIP 34786These are comparison scores, not percentages. 100 equals the national average, so 150 means about 50% above average.

CrimeLocal crime compared with the rest of the country, where 100 is average. It reflects things like population density, income, and how crime gets reported.73
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.174
EarthquakeEarthquake risk and likely building damage compared with the rest of the country, where 100 is average. Scores can run far above 100.26

Index scale: 100 = US average (tick). Lower is better.

Homes occupiedThe share of homes here that someone lives in. The rest sit empty, including vacation and for-sale homes.94%
Bachelor's or higherThe share of adults 25 and older whose highest degree is a bachelor's degree.41%
Poverty rateThe share of people whose household income falls below the federal poverty line, which varies by family size.5.3%
UnemploymentThe share of men 16 and older who are out of work and actively looking. Only men are counted in this figure.1.1%
PopulationHow many people live in this area.50,564
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.1,760 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$129,836
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$181,426
Average tempThe average temperature here across a full year.72°F
Annual precipHow much rain and melted snow falls here in a typical year.51 in
SunshineThe share of daylight hours that get direct sun in a typical year, counting cloud cover.64%

Ownership

OccupancyWhether the owner appears to live here or somewhere else. It is inferred from the mailing address on record.Absentee owner
Company ownedWhether the owner is a company or trust rather than a person.Yes

Data by ATTOM. Valuations are automated estimates, not appraisals. Photos from Google Street View and may not depict the current property state.

How this home compares

4520 River Gem Ave measured against every home in its neighborhood, its ZIP code and its county, using county assessor records refreshed nightly. A home can stand out in one of those areas and look ordinary in another, because each one holds a different mix of homes.

  • Worth more than 82% of homes in Orange County
  • Costs less per square foot than 75% of homes in Windermere 34786
  • Bigger than 82% of homes in Orange County
  • Has a bigger lot than 66% of homes in Summerport
  • Newer than 76% of homes in Orange County

What homes are worth in Windermere 34786

Each bar is how many homes fall in that price range. The marker is this home.

This home
$316K$4.2M

This home is worth more than 41% of homes in Windermere 34786.

How it measures up in Windermere 34786

The dot is this home. The mark in the middle is the typical home in Windermere 34786.

Estimated value$632,363
CheaperTypical $727,267Pricier

Pricier than 41% of homes nearby

Price per ft²$239
CheaperTypical $272Pricier

Pricier than 25% of homes nearby

Living area2,644 ft²
SmallerTypical 2,703 ft²Bigger

Bigger than 48% of homes nearby

Lot size0.2 ac
SmallerTypical 0.25 acBigger

Bigger than 43% of homes nearby

Year built2005
OlderTypical 2006Newer

Newer than 48% of homes nearby

How 4520 River Gem Ave ranks against every home in each area.
MeasureThis homeSummerportWindermere 34786Orange County
Estimated valuepricier than$632,36374% of homes41% of homes82% of homes
Price per ft²pricier than$23952% of homes25% of homes60% of homes
Living areabigger than2,644 ft²66% of homes48% of homes82% of homes
Lot sizebigger than0.2 ac66% of homes43% of homes53% of homes
Year builtnewer than200545% of homes48% of homes76% of homes

About 4520 River Gem Ave

How much is 4520 River Gem Ave, Windermere, FL worth?

The TopHap Estimate for 4520 River Gem Ave, Windermere, FL is $632,363 as of Jul 14, 2026. The likely range is $594,064 to $670,662. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 4520 River Gem Ave, Windermere, FL last sell?

4520 River Gem Ave, Windermere, FL last sold on Jan 24, 2006 for $287,300, according to the county's recorded deed. TopHap holds 2 recorded sales for this parcel.

How big is 4520 River Gem Ave, Windermere, FL?

4520 River Gem Ave, Windermere, FL has 4 bedrooms, 3 bathrooms, 2,644 square feet of living space and a 0.20-acre lot.

When was 4520 River Gem Ave, Windermere, FL built?

4520 River Gem Ave, Windermere, FL was built in 2005, making it 21 years old. The building has 1 story.

What schools serve 4520 River Gem Ave, Windermere, FL?

4520 River Gem Ave, Windermere, FL is assigned to Keene's Crossing Elementary School (elementary), rated A+; Windermere High School (high), rated B+; Bridgewater Middle School (middle), rated A. All sit in Orange County School District. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 4520 River Gem Ave, Windermere, FL compare to other homes in Windermere 34786?

Among the 14,934 homes in Windermere 34786, it is worth more than 41% of them ($632,363 against a typical $727,267), its price per square foot is higher than 25% of them ($239 against a typical $272), it is bigger than 48% of them (2,644 ft² against a typical 2,703 ft²), its lot is bigger than 43% of them (0.2 ac against a typical 0.25 ac) and it is newer than 48% of them (2005 against a typical 2006). Measured against all of Orange County, it is worth more than 82% of homes there. These shares are recounted nightly from the full county assessor record for each area, not from active listings.

What are the property taxes on 4520 River Gem Ave, Windermere, FL?

The 2024 property tax bill for 4520 River Gem Ave, Windermere, FL was $8,485. The county assessed it at $491,303.

Closest homes

More homes in Windermere 34786

Assigned schools

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