Orange County property record for 16659 Toccoa Row, Winter Garden, FL 34787
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 4 ba · 3,988 sqft · built 2017 |
| Owner | Individual Name on Record |
| Last Sale | $456,100 (Jul 2017) |
| Tax Bill | $7,347 (2025) |
| Deeds & Mortgages | Aug 2022 Line of Credit Feb 2021 Line of Credit + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 05-23-27-8530-00-570 |
| Primary APN | 05-23-27-8530-00-570 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 4 Baths |
| Stories | 2 Stories |
| Building Area | 3,988 sqft Living Area |
| Gross Area | 5,723 sqft |
| 1st Floor Area | 2,268 sqft |
| Year Built | Built 2017 |
|---|---|
| Effective Year Built | Effective 2017 |
| Exterior Material | Concrete Block |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Garage Type | Attached |
| Garage Area | 651 sqft |
| Porch | Finished/Open Porch |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 16659 TOCCOA ROW |
|---|---|
| City | WINTER GARDEN |
| State | FL |
| Zip | 34787-4541 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | UVPUD |
| Legal Description | TWINWATERS 86/27 LOT 57 |
| Legal Subdivision | TWINWATERS |
| Legal Lot Number | 57 |
| Jurisdiction | ORANGE FL |
| Township / Civil Division | SOUTHWEST ORANGE |
| Census Block Group | 1 |
| Census Block | 1000 |
| Census Tract | 17113 |
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 |
|---|---|
| Owner Type | Individual |
| Date | Document |
|---|---|
| Aug 31, 2022 | Deed of Trust, Mortgage · Line of Credit QUORUM FEDERAL CU |
| Feb 15, 2021 | Deed of Trust, Mortgage · Line of Credit GTE FCU |
| Jul 5, 2017 | Special Warranty Deed, Transfer · Conventional Mortgage FREEDOM MORTGAGE CORP |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jul 5, 2017 · Amount on Record |
| Deed Sale | Jul 5, 2017 · Amount on Record |
| Deed Document Number | 2017371107 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ORANGE FL |
| Property Address | 16659 TOCCOA ROW, WINTER GARDEN, FL 34787-4541 |
| Transaction Type | Mortgage |
| Record Updated | Mar 17, 2023 |
| Name | Verified Name |
|---|---|
| Address | 16659 TOCCOA ROW, WINTER GARDEN, FL 34787-4541 |
| Document Number | 0000531798 |
|---|---|
| Date | Aug 31, 2022 |
| Instrument | 20220531798 |
| Name | QUORUM FEDERAL CU |
|---|---|
| Type | Credit Union |
| Address | PURCHASE, NY 10577 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Sep 1, 2052 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ORANGE FL |
| Property Address | 16659 TOCCOA ROW, WINTER GARDEN, FL 34787-4541 |
| Transaction Type | Mortgage |
| Record Updated | Mar 17, 2023 |
| Title Company | MORTGAGE TITLE SERVICES INC, MORTGAGEE TITLE SERVICES INC |
| Name | Verified Name |
|---|---|
| Address | 16659 TOCCOA ROW, WINTER GARDEN, FL 34787-4541 |
| Document Number | 0000089723 |
|---|---|
| Date | Feb 15, 2021 |
| Instrument | 20210089723 |
| Name | GTE FCU |
|---|---|
| Type | Credit Union |
| Address | TAMPA, FL 33602 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Special Warranty Deed |
|---|---|
| Jurisdiction | ORANGE FL |
| Recording Date | Jul 5, 2017 |
| Property Address | 16659 TOCCOA ROW, WINTER GARDEN, FL 34787-4541 |
| Document Number | 0000371107 |
| Map Reference | MB 86 PG 27-34 |
| Instrument Date | Jun 30, 2017 |
| Instrument | 20170371107 |
| Transaction Type | Transfer |
| Record Updated | Jan 3, 2022 |
| Title Company | CAREFREE TITLE AGENCY INC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $3,192.70 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 17851 N 85TH ST, 17851, SCOTTSDALE, AZ 85255-6312 |
| Name | Verified Name |
|---|---|
| Address | 16659 TOCCOA ROW, WINTER GARDEN, FL 34787-4541 |
| Document Number | 0000371108 |
|---|---|
| Date | Jul 5, 2017 |
| Instrument | 20170371108 |
| Name | FREEDOM MORTGAGE CORP |
|---|---|
| Type | Subprime Lender |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jul 1, 2047 |
Source: Orange County assessment roll, as of April 30, 2026
| Type | Name |
|---|---|
| State | Florida |
| County | Orange County |
| Municipality | Winter Garden City |
| Unified School District | Orange County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $504,750 (+2.7%) | $778,820 (-1.26%) Land $110,000 Building $668,820 | |
| 2025 | $7,347.00 (+5.21%) | $491,480 (+5.99%) | $788,750 (+11.5%) Land $110,000 Building $678,750 |
| 2024 | $6,983.00 (+3.57%) | ||
| 2023 | $6,742.00 (+2.9%) | $463,717 (+3%) | $707,410 (+17.62%) Land $110,000 Building $597,410 |
| 2022 | $6,552.00 | $450,211 | $601,425 Land $100,000 Building $501,425 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 77 policies |
| Community Rating System | Class 5 (25% premium discount) |
| Nearby Flood Policies | 77 in force |
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.
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 | None beyond ember reach |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | WINTER GARDEN WATER DEPT (3 WPS) serves 72,205 people · EPA ID FL3481481 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Feb 2024 |
| Also Mapped Here | OCUD/SOUTHERN WATER SYS (5 WPS) |
| Lead | 3 ppb (2023) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | 2 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.
Source: FCC Broadband Data Collection, based on 256 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| CenturyLink Fiber | 2,000 / 1,000 |
| Spectrum Cable | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| Starlink Satellite | 280 / 30 |
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