16696 Toccoa Row, Winter Garden, FL 34787 Property Records

Orange County property record for 16696 Toccoa Row, Winter Garden, FL 34787

Property Summary

Property Type	Single Family Home
Details	5 bd · 4 ba · 3,270 sqft · built 2020
Lot Size	0.235 acres (10,231 sqft)
Owner	2 Individual Names on File
Last Sale	$501,220 (Nov 2020)
Tax Bill	$7,487 (2025)
Deeds & Mortgages	Sep 2023 Line of Credit Nov 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`05-23-27-7801-00-310`

Property Details

APN / Parcel Number

Primary APN	`05-23-27-7801-00-310`
Alternative APNs	`272305780100310` `134726` `135580` `137097`

Interior

Bedrooms	5 Beds
Full Baths	4 Baths
Stories	2 Stories
Building Area	3,270 sqft Living Area
Gross Area	4,693 sqft
1st Floor Area	1,530 sqft
Flooring	Ceramic Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2020
Effective Year Built	Effective 2020
Exterior Material	Concrete Block
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	10,231 sqft (0.235 acres)
Garage Type	Attached
Garage Area	645 sqft
Porch	Slab

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	16696 TOCCOA ROW
City	WINTER GARDEN
State	FL
Zip	34787-4167
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	UVPUD
Legal Description	SANCTUARY AT TWIN WATERS 99/66 LOT 31
Legal Range	27E
Legal Township	23S
Legal Section	05
Legal Subdivision	SANCTUARY AT TWIN WATERS
Legal Lot Number	31
Jurisdiction	ORANGE FL
Township / Civil Division	SOUTHWEST ORANGE
Census Block Group	1
Census Block	1000
Census Tract	17113

Owner

16696 Toccoa Row is owned and occupied by two individuals who bought it in November 2020.

Source: Orange County records, as of May 4, 2026

Owner of Record	2 Individual Names on File
Mailing Address	16696 TOCCOA ROW, WINTER GARDEN, FL 34787-4167
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Sep 20, 2023	Deed of Trust, Mortgage · Line of Credit ONE FLORIDA BANK
Nov 13, 2020	Deed of Trust, Mortgage · VA Mortgage M&I FIN'L
Nov 17, 2020	Correction Deed, Subdivision Related Transfer M/I TITLE AGENCY LIMITED LC, M/I TITLE AGENCY LTD LC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 17, 2020 · Amount on File
Deed Sale	Nov 17, 2020 · Amount on File
Deed Document Number	2020601935
Record Updated	Jun 8, 2026

September 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ORANGE FL
Property Address	16696 TOCCOA ROW, WINTER GARDEN, FL 34787-4167
Transaction Type	Mortgage
Record Updated	Oct 3, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	16696 TOCCOA ROW, WINTER GARDEN, FL 34787-4167

Mortgage

Document Number	0000541056
Date	Sep 20, 2023
Instrument	20230541056

Lender

Name	ONE FLORIDA BANK
Type	Bank
Address	ORLANDO, FL 32806

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	240 Months
Due	Sep 15, 2043

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

November 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ORANGE FL
Property Address	16696 TOCCOA ROW, WINTER GARDEN, FL 34787-4167
Document Number	0000601936
Instrument Date	Nov 13, 2020
Transaction Type	Mortgage
Record Updated	Dec 2, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	16696 TOCCOA ROW WINTER GARDEN FL 347874167, WINTER GARDEN, FL 34787-4167

Mortgage

Document Number	0000601936
Date	Nov 17, 2020
Instrument	601936

Lender

Name	M&I FIN'L
Type	Funding / Finance Company
Address	COLUMBUS, OH 43219

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Nov 16, 2050

November 2020: Correction Deed, Subdivision Related Transfer

Document Type	Correction Deed
Jurisdiction	ORANGE FL
Recording Date	Nov 17, 2020
Property Address	16696 TOCCOA ROW, WINTER GARDEN, FL 34787-4167
Document Number	0000601935
Instrument Date	Nov 13, 2020
Instrument	601935
Transaction Type	Subdivision Related Transfer
Record Updated	Dec 2, 2020
Title Company	M/I TITLE AGENCY LIMITED LC, M/I TITLE AGENCY LTD LC

Transaction

Amount	Amount on Record
Tax	$3,509.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	16696 TOCCOA ROW WINTER GARDEN FL 347874167, WINTER GARDEN, FL 34787-4167

Tax Assessment & Valuation

The 2025 property tax bill for 16696 Toccoa Row was $7,487, up 5.2% from the year before.

Source: Orange County assessment roll, as of April 30, 2026

Property Jurisdictions

Type	Name
State	Florida
County	Orange County
Municipality	Winter Garden City
Unified School District	Orange County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$538,564 (+7.7%)	$725,100 (+2.62%) Land $110,000 Building $615,100
2025	$7,487.00 (+5.21%) Homeowner's exemption	$500,062	$706,610 Land $110,000 Building $596,610
2024	$7,116.00 (+3.57%)
2023	$6,871.00 (+2.89%) Homeowner's exemption	$471,815 (+3%)	$625,491 (+17.44%) Land $110,000 Building $515,491
2022	$6,678.00 Homeowner's exemption	$458,073	$532,612 Land $100,000 Building $432,612

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 16696 Toccoa Row in Zone X, an area of minimal flood risk.

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
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File 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.

Wildfire

Wildfire risk around 16696 Toccoa Row is low, with a 0.04% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 64% of the US · lower than 90% of Florida
Wildfire Likelihood	0.04% 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	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

Violations Reported to EPA

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.

Internet Providers

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

Cell Coverage

5G (outdoors only) and 4G LTE

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