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Overview

5 bd5 ba3,373 sqft3 car garageSingle Family
TypeSingle Family
HOA$390/qtr
Built2006
Lot9,032 sqft
Living area3,373 sqft
Price / sqft$237
Garage3 car

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Pricing, comps, HOA, the neighborhood. Answers before you fill out anything.

About this home

Cathedral Ceiling(s)Eat-in KitchenKitchen/Family Room ComboPrimarybedroom UpstairsSolid Surface CountersThermostatWalk-in Closet(s)Lighting

4642 River Gem Ave is a 2006-built home in Summerport Ph 05, Windermere. Inside you'll find 5 bedrooms, 5 bathrooms, and 3,373 square feet of living space. Listed at $798,000 (about $237/sqft), 94 days on market. Flood zone x - outside the FEMA high-risk areas, which keeps insurance manageable. HOA runs $390 quarterly.

From the listing

Discover refined living in one of Windermere's most sought-after communities. This exceptional 5-bedroom, 5-bath residence in Summerport perfectly blends timeless elegance, everyday comfort, and an unmatched location. Offering an ideal floor plan for both everyday living and entertaining, this beautifully maintained home features a dedicated office, formal dining room, spacious living room, family room, and thoughtfully designed living spaces throughout. The entire first floor showcases upgraded luxury vinyl flooring, while the gourmet kitchen is appointed with beautiful granite countertops, stainless steel appliances, abundant cabinetry, and a breakfast bar with seating, perfect for casual dining and gathering with family and friends. Situated on an oversized homesite, the backyard has been thoughtfully upgraded to create the perfect outdoor retreat. Enjoy a spacious covered lanai, an extended paver patio, and a fire pit, offering the ideal setting for entertaining or relaxing under the shade of the mature Trees. Upstairs, you'll find all 5 generously sized bedrooms, each complemented by access to a full bathroom, providing exceptional comfort and privacy for family members and guests alike. The first floor features a spacious private office that can easily be converted into a media room or 6th bedroom, complemented by a full bathroom for added flexibility. A spacious 3-car garage offers abundant room for vehicles, storage, and recreational equipment. Designed with efficiency in mind, the home is equipped with solar panels producing approximately 22–23 MWh annually, delivering substantial energy savings while reducing utility costs. Summerport is one of Windermere's most desirable communities, offering residents an exceptional lifestyle with resort-style amenities, including a community pool, fitness center, tennis courts, sand volleyball courts, playgrounds, scenic walking trails, and beautiful lakes. Families will appreciate being zoned for highly rated schools, including the sought-after Windermere High School. Ideally located just minutes from Walt Disney World, Winter Garden Village, Publix, premier shopping, dining, and major highways, this home presents a rare opportunity to enjoy luxury living in one of Central Florida's most prestigious communities.

The essentials

Built
2006
Price / sqft
$237
On market
94 days
Annual tax
$10,168
HOA
$390/qtr
Flood zone
X · Low risk
Lot
9,032 sqft
Type
Single Family Residence

At a glance

Single family
Built 2006
Community pool
Fitness center too
3 car garage
9,032 sqft lot
Lot size
3,373 sqft
Living area

Payment

Est. monthly payment
$5,538/mo
Down payment (20%)
$159,600
Property taxes
$847/mo
HOA
$390/qtr
Rate assumed
6.8% · 30 yr
View full breakdown

Details

Type
Single Family Residence
Year Built
2006
Lot
9,032 sqft
Cooling
Central Air
Heating
Central, Natural Gas
Parking
-
Days on Market
94
Cathedral Ceiling(s)
Eat-in Kitchen
Kitchen/Family Room Combo
Primarybedroom Upstairs
Solid Surface Counters
Thermostat
Walk-in Closet(s)
Lighting
Sidewalk
Sliding Doors
Clubhouse
Fitness Center
Park
Playground
Pool
Sidewalks
Tennis Court(s)
Dishwasher
Dryer
Microwave
Range
Refrigerator
Washer
Elementary
Keene Crossing Elementary
Middle
Bridgewater Middle
High
Windermere High School

Districts can re-zone, so verify directly with the district before relying on these.

Flood Zone x
Annual Tax (2025)
$10,168
Parcel #
10-23-27-8394-00-340

Taxes reflect the most recent assessment in the MLS feed. Actual tax owed can vary, so confirm with the county property appraiser before closing.

Subdivision
Summerport Ph 05
County
Orange
MLS Area
34786 - Windermere
Lot Size
9,032 sqft
City LimitsLevelOversized LotPaved
HOA
$390/qtr
First Service Residential / ALISSA NAEFNER

Price history

Date
Event
Price
7/30/2026
Price change
Source: Stellar MLS #O6422241
$798,000-3.3%
$237/sqft
7/9/2026
Listed for sale
Source: Stellar MLS #O6422241
$825,000
$245/sqft

Neighborhood

4642 River Gem Ave
Windermere, FL, 34786 · 34786 - Windermere

Market insights

Offer Insights

Choose an offer strength

List price: $798,000
$785,000 – $798,000
98.4% – 100% of listTops out right at the list price
80% of listList price
149 of the last 296 home closings in 34786 landed at this number or higher (50%). The median one sat 31 days before it went under contract, and this one is on day 94 after a $27,000 cut.

Sample: 296 closed home sales in 34786 over the last 8 months, Stellar MLS. A starting point, not a guarantee.

Talk through an offer with our team

Calculator

Est. monthly payment
$5,538/mo
Principal & interest$4,162
Property taxes$847
Insurance$399
HOA$130
Down payment20% · $159,600
Interest rate6.80%
Loan term

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Property taxes are this home's actual annual bill from the MLS, divided by twelve. Insurance estimated at 0.60%. HOA includes any condo dues reported on the listing. Rate defaults to 6.8% on a 30-year fixed. Tap a pencil to use your own numbers. Estimates only, not a loan quote.

Quick answers.

Price

$798,000

$237 per sq ft

Beds and baths

5 beds, 5 baths

Size

3,373 sq ft

Time on market

94 days

Year built

2006

Monthly payment

About $5,538/mo

That is 20% down on a 30-year fixed at 6.8%, plus the home's $10,168 annual tax bill, insurance, and the $390/qtr HOA fee.

HOA fee

$390/qtr

Managed by First Service Residential / ALISSA NAEFNER.

Flood zone

Zone X

That is outside the high-risk areas, so flood insurance is usually optional rather than required by a lender.

Offer

What should I offer?

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Brokered byJOHN SILVA REALTY & ASSOCIATESListing agent: John SilvaListing data from Stellar MLS, MLS# O6422241.

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