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 Trust Names on File |
| 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 |
16725 Toccoa Row is owner-occupied and held in a trust.
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 Trust Names on File |
|---|---|
| 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 on Record |
|---|---|
| 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 on Record |
|---|---|
| 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 on Record |
| Term | 360 Months |
| Due | Aug 24, 2050 |
The 2025 property tax bill for 16725 Toccoa Row was $4,728, up 5.3% from the year before.
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 | $571,400 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.
FEMA maps place 16725 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 risk around 16725 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 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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