16726 Toccoa Row, Winter Garden, FL 34787 Property Records

Orange County property record for 16726 Toccoa Row, Winter Garden, FL 34787

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,298 sqft · built 2020
Lot Size	0.166 acres (7,216 sqft)
Owner	2 Individual Names on File
Last Sale	$468,900 (May 2020)
Tax Bill	$8,821 (2025)
Deeds & Mortgages	Aug 2021 Mortgage May 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`05-23-27-7801-00-360`

Property Details

APN / Parcel Number

Primary APN	`05-23-27-7801-00-360`
Alternative APNs	`272305780100360` `134731` `135586` `137103`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Stories	1 Story
Building Area	2,298 sqft Living Area
Gross Area	3,134 sqft
1st Floor Area	2,298 sqft
Flooring	Carpet
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	7,216 sqft (0.166 acres)
Garage Type	Attached
Garage Area	638 sqft
Porch	Slab
Porch Area	198 sqft
Total Buildings	2 Buildings

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	16726 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 36
Legal Range	27E
Legal Township	23S
Legal Section	05
Legal Subdivision	SANCTUARY AT TWIN WATERS
Legal Lot Number	36
Jurisdiction	ORANGE FL
Township / Civil Division	SOUTHWEST ORANGE
Census Block Group	1
Census Block	1000
Census Tract	17113

Owner

16726 Toccoa Row is owned and occupied by two individuals who acquired it in August 2021.

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

Owner of Record	2 Individual Names on File
Mailing Address	16726 TOCCOA ROW, WINTER GARDEN, FL 34787-4167
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

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
Aug 25, 2021	Intrafamily Transfer, Transfer · Conventional Mortgage JPMORGAN CHASE BANK NA
May 6, 2020	Grant Deed, Subdivision Related Transfer · Conventional with PMI M&I FIN'L

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 6, 2020 · Amount on File
Deed Sale	May 6, 2020 · Amount on File
Deed Document Number	2020269659
Last Transfer Date	Aug 12, 2021
Transfer Doc	0000520204
Record Updated	Jun 8, 2026

August 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	ORANGE FL
Recording Date	Aug 25, 2021
Property Address	16726 TOCCOA ROW, WINTER GARDEN, FL 34787-4167
Document Number	0000520204
Map Reference	MB 99 PG 66-74
Instrument Date	Aug 12, 2021
Instrument	20210520204
Transaction Type	Transfer
Record Updated	Mar 16, 2023
Title Company	ACCOMODATION, ACCOMMODATION

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	16726 TOCCOA ROW, WINTER GARDEN, FL 34787-4167

Mortgage

Document Number	0000520205
Date	Aug 25, 2021
Instrument	20210520205

Lender

Name	JPMORGAN CHASE BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Sep 1, 2051

May 2020: Grant Deed, Subdivision Related Transfer

Document Type	Grant Deed
Jurisdiction	ORANGE FL
Recording Date	May 6, 2020
Property Address	16726 TOCCOA ROW, WINTER GARDEN, FL 34787-4167
Document Number	0000269659
Instrument Date	May 6, 2020
Instrument	269659
Transaction Type	Subdivision Related Transfer
Record Updated	May 21, 2020
Title Company	M/I TITLE AGENCY LIMITED LC, M/I TITLE AGENCY LTD LC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3,282.00
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	16726 TOCCOA ROW WINTER GARDEN FL 347874167, WINTER GARDEN, FL 34787-4167

Mortgage

Document Number	269660
Date	May 6, 2020
Instrument	269660

Lender

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

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	360 Months
Due	May 5, 2050

Tax Assessment & Valuation

The 2025 property tax bill for 16726 Toccoa Row was $8,821, up 6% 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		$581,010 (-0.16%) Land $110,000 Building $471,010	$581,010 (-1.32%) Land $110,000 Building $471,010
2025	$8,821.00 (+5.98%) Homeowner's exemption	$581,913	$588,800 Land $110,000 Building $478,800
2024	$8,323.00 (+7.8%)
2023	$7,721.00 (+12.06%) Homeowner's exemption	$518,326 (+15.95%) Land $110,000 Building $408,326	$518,326 (+15.95%) Land $110,000 Building $408,326
2022	$6,890.00	$447,040 Land $100,000 Building $347,040	$447,040 Land $100,000 Building $347,040

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

Flood

FEMA maps place 16726 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 16726 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

Nearby Properties on Toccoa Row

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures