Orange County property record for 16725 Toccoa Row, Winter Garden, FL 34787
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3 ba · 2,298 sqft · built 2020 |
| Lot Size | 0.193 acres (8,400 sqft) |
| Owner | 2 Company Names on Record |
| Tax Bill | $4,728 (2025) |
| Deeds & Mortgages | Sep 2026 Sale Aug 2020 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 05-23-27-7801-00-220 |
| Primary APN | 05-23-27-7801-00-220 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3 Baths |
| Stories | 1 Story |
| Building Area | 2,298 sqft Living Area |
| Gross Area | 3,644 sqft |
| 1st Floor Area | 2,298 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2020 |
|---|---|
| Effective Year Built | Effective 2020 |
| Exterior Material | Concrete Block/Stucco |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 8,400 sqft (0.193 acres) |
| Garage Type | Attached |
| Garage Area | 638 sqft |
| Porch | Slab |
| Porch Area | 708 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Electric |
| Street Address | 16725 TOCCOA ROW |
|---|---|
| City | WINTER GARDEN |
| State | FL |
| Zip | 34787-4166 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | UVPUD |
| Legal Description | SANCTUARY AT TWIN WATERS 99/66 LOT 22 |
| Legal Range | 27E |
| Legal Township | 23S |
| Legal Section | 05 |
| Legal Subdivision | SANCTUARY AT TWIN WATERS |
| Legal Lot Number | 22 |
| Jurisdiction | ORANGE FL |
| Township / Civil Division | SOUTHWEST ORANGE |
| Census Block Group | 1 |
| Census Block | 1000 |
| Census Tract | 17113 |
Source: Orange County records, as of October 13, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | 2 Company Names on Record |
|---|---|
| Mailing Address | 16725 TOCCOA ROW, WINTER GARDEN, FL 34787-4166 |
| Occupancy | Owner Occupied |
| Owner Type | Company |
| Vesting | Trust, Revocable Trust |
| Date | Document |
|---|---|
| Sep 24, 2026 | Special Warranty Deed, Transfer SIMPLE TITLE, SIMPLIFILE |
| Aug 25, 2020 | Grant Deed, Subdivision Related Transfer · Conventional Mortgage M&I FIN'L |
| Deed Names | 2 Names on Deed |
|---|---|
| Record Updated | Oct 29, 2026 |
| Document Type | Special Warranty Deed |
|---|---|
| Jurisdiction | ORANGE FL |
| Recording Date | Sep 24, 2026 |
| Property Address | 16725 TOCCOA ROW, WINTER GARDEN, FL 34787-4166 |
| Document Number | 0000531941 |
| Instrument Date | Sep 22, 2026 |
| Instrument | 2026531941 |
| Transaction Type | Transfer |
| Record Updated | Oct 2, 2026 |
| Title Company | SIMPLE TITLE, SIMPLIFILE |
| Amount | Amount Recorded |
|---|---|
| Tax | $70.70 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Revocable Trust |
| Address | 16725 TOCCOA ROW, WINTER GARDEN, FL 34787-4166 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | ORANGE FL |
| Recording Date | Aug 25, 2020 |
| Property Address | 16725 TOCCOA ROW, WINTER GARDEN, FL 34787-4166 |
| Document Number | 0000446230 |
| Instrument Date | Aug 21, 2020 |
| Instrument | 446230 |
| Transaction Type | Subdivision Related Transfer |
| Record Updated | Sep 10, 2020 |
| Title Company | M/I TITLE AGENCY LIMITED LC, M/I TITLE AGENCY LTD LC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $3,064.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 16725 TOCCOA ROW WINTER GARDEN FL 347874166, WINTER GARDEN, FL 34787-4166 |
| Document Number | 446231 |
|---|---|
| Date | Aug 25, 2020 |
| Instrument | 446231 |
| Name | M&I FIN'L |
|---|---|
| Type | Funding / Finance Company |
| Address | COLUMBUS, OH 43219 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Aug 24, 2050 |
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 | $339,663 (+2.7%) | $564,810 (-1.15%) Land $110,000 Building $454,810 | |
| 2025 | $4,728.00 (+5.28%) Homeowner's exemption | $330,733 (+5.99%) | $571,400 (+11.47%) Land $110,000 Building $461,400 |
| 2024 | $4,491.00 (+3.74%) | ||
| 2023 | $4,329.00 (+3.05%) Homeowner's exemption | $312,050 (+3%) | $512,627 (+17.07%) Land $110,000 Building $402,627 |
| 2022 | $4,201.00 Homeowner's exemption | $302,961 | $437,899 Land $100,000 Building $337,899 |
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 |
|---|---|
| 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 65% of the US · lower than 91% of Florida |
|---|---|
| Wildfire Likelihood | 0.04% annual chance |
| Exposure | Direct burnable vegetation |
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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