4642 RIVER GEM AVENUE, WINDERMERE, FL, 34786
Active15 days on marketListed Jul 9, 2026MLS #O6422241
About this home
4642 RIVER GEM AVENUE
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.
Facts & features
The home at a glance
5
Bedrooms
5
Bathrooms
3,373
Sqft
0.21 ac
Lot size
3
Garage
2006
Year built
Two
Levels
$245
Per sqft
Inside
Outside & construction
Community & fees
Utilities & systems
The numbers
What it really costs
Built from this home's actual numbers — the most recent property-tax bill on record and the real association fee — not generic estimates.
$5,898 /mo · 10% down Conventional, 30-yr fixed at 6%
The assumptions
Above the FHA loan limit for our service areas, so Conventional is the default. VA buyers: switch below — $0 down.
These numbers assume a generic buyer — your credit, down payment and loan program change them. Get the real quote in minutes:
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Run your own numbers
FHA isn’t available at this price — the loan would exceed the $541,287 FHA limit for our service areas.
Estimated payment
$5,898/mo
Includes estimated PMI — it drops off once you reach 20% equity. Taxes reflect the most recent bill on record; insurance is a typical-Florida estimate. Your lender’s numbers will differ. CENTURY 21 Edge partners with Florida’s best lenders.
Value check
Is the price right?
The internet’s favorite home-value number comes from a single automated model that has never seen the street, the finishes, or the view — which is why it routinely misses by tens of thousands of dollars. The edgeAI estimate combines multiple independent data sources with our team’s on-the-ground expertise in this exact market.
$/sqft vs Windermere actives
$245 vs $348
Days on market
15 vs 32 typical
Where $245/sqft sits among the 245 Windermere actives
The edgeAI estimate is a starting point, not an appraisal or a broker price opinion. It is generated from public records, listing data and market modeling, and is subject to change once a licensed real estate professional personally inspects the property. Condition, floor, view and lot are not fully captured by any model — ask us for a full comparative market analysis.
Where it sits
Inside Summerport
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know Windermere. See the full Windermere guide →
Summerport — neighborhood snapshot
Population
4,110
Median age
39
Median income
$144,490
Median home value
$461,800
Avg household
4
Households w/ children
638
For the school run
Orange County School District
School assignments and ratings via edgeAI — always verify with the district.
The numbers that matter
The Windermere market
$839K → $1.0M
Windermere median sold, yr/yr
96.4%
Sale-to-list ratio (12 mo)
118 of 245
Windermere actives have cut their price
Median sold price, Windermere, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 2% above the WINDERMERE 34786 median. See the full Windermere market guide →
Paper trail
This home's history
Reality check
What actually sold near 4642 RIVER GEM AVENUE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Jun ’26$675,000
4819 INDIAN DEER ROAD · same community
4 bd · 4 ba · 3,049 sqft · $221/sqft · 8 DOM
Sold · Mar ’26$840,646
4926 INDIAN DEER ROAD · same community
5 bd · 4.5 ba · 3,849 sqft · $218/sqft · 134 DOM
Sold · Nov ’25$660,000
4837 INDIAN DEER ROAD · same community
4 bd · 3 ba · 2,644 sqft · $250/sqft · 22 DOM
Closed-sale data from the MLS, last 12 months, selected for similarity in size and location. No two homes are identical — ask us for a full comparative analysis.
Your home team
The pros in your corner
Buying a home is two conversations — the home and the money. Here’s who handles each, side by side, already working together.
Your agent
David Ramirez
Real Estate Agent · CENTURY 21 Edge
Tours, negotiation, and every question about 4642 RIVER GEM AVENUE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 4642 RIVER GEM AVENUE — before you fall in love.
See it in person
Schedule a tour
Pick a day that works — this goes straight to David's phone and CRM.
Straight answers
4642 RIVER GEM AVENUE FAQs
What would the monthly payment be for 4642 RIVER GEM AVENUE?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $5,898/mo — principal and interest, the actual property-tax bill, the $130/mo association fee and typical Florida insurance. The payment calculator on this page lets you switch loan type (FHA, Conventional, VA) and adjust the down payment, rate and term.
How much are the HOA fees at 4642 RIVER GEM AVENUE?+
The association fee works out to $130 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 4642 RIVER GEM AVENUE?+
The most recent tax bill on record (2025) was $10,168. A new owner's bill can differ once the sale price resets the assessed value — we can walk you through what to expect.
Are pets allowed at 4642 RIVER GEM AVENUE?+
The listing reports pets: Breed Restrictions. Communities often layer on breed or weight rules — we'll verify the specifics with the association before you commit.
How does the price compare to other homes in Windermere?+
At $825,000, this home is listed about 25% below the Windermere median of $1,099,500. The market section on this page shows how the area is trending.
Which schools are assigned to 4642 RIVER GEM AVENUE?+
Keenes Crossing Elementary (elementary), Windermere High (high), Bridgewater Middle (middle) — Orange County School District. Always verify school assignments with the district before relying on them.
Keep looking
Similar homes nearby
Listing courtesy of JOHN SILVA REALTY & ASSOCIATES · John Silva. MLS #O6422241.
IDX information is provided exclusively for consumers’ personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Data is deemed reliable but is not guaranteed accurate by Stellar MLS.
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