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16737 Toccoa Row, Winter Garden, FL 34787 Property Records

Orange County property record for 16737 Toccoa Row, Winter Garden, FL 34787

Property Summary

Property TypeSingle Family Home
Details3 bd · 3 ba · 2,514 sqft · built 2020
Lot Size0.193 acres (8,400 sqft)
Owner2 Individual Names on File
Last Sale$448,775 (Sep 2020)
Tax Bill$4,915 (2025)
Deeds & MortgagesSep 2020 Sale & Mortgage
Flood ZoneZone X (minimal risk)
APN05-23-27-7801-00-200

Property Details

APN / Parcel Number

Primary APN05-23-27-7801-00-200
Alternative APNs
  • 272305780100200
  • 134713
  • 135568
  • 137083

Interior

Bedrooms3 Beds
Full Baths3 Baths
Stories1 Story
Building Area2,514 sqft Living Area
Gross Area3,470 sqft
1st Floor Area2,514 sqft
FlooringCarpet
Interior WallsWallboard/Drywall

Exterior

Year BuiltBuilt 2020
Effective Year BuiltEffective 2020
Exterior MaterialConcrete Block
Roof TypeGable/Hip
Roof MaterialComposition Shingle
Lot Area8,400 sqft (0.193 acres)
Garage TypeAttached
Garage Area420 sqft
PorchFinished/Open Porch
Porch Area536 sqft

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemForced Air with A/C
Heating FuelElectric

Location & Zoning

Street Address16737 TOCCOA ROW
CityWINTER GARDEN
StateFL
Zip34787-4166
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodeUVPUD
Legal DescriptionSANCTUARY AT TWIN WATERS 99/66 LOT 20
Legal Range27E
Legal Township23S
Legal Section05
Legal SubdivisionSANCTUARY AT TWIN WATERS
Legal Lot Number20
JurisdictionORANGE FL
Township / Civil DivisionSOUTHWEST ORANGE
Census Block Group1
Census Block1000
Census Tract17113

Owner

16737 Toccoa Row is owned and occupied by two individuals who bought it in September 2020.

Source: Orange County records, as of April 30, 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 Record2 Individual Names on File
Mailing Address16737 TOCCOA ROW, WINTER GARDEN, FL 34787-4166
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleSep 23, 2020 · Amount on File
Deed SaleSep 23, 2020 · Amount on File
Deed Document Number2020498252
Record UpdatedJun 8, 2026

September 2020: Warranty Deed, Subdivision Related Transfer

Document TypeWarranty Deed
JurisdictionORANGE FL
Recording DateSep 23, 2020
Property Address16737 TOCCOA ROW, WINTER GARDEN, FL 34787-4166
Document Number0000498252
Map ReferenceMB 99 PG 66
Instrument DateSep 22, 2020
Instrument20200498252
Transaction TypeSubdivision Related Transfer
Record UpdatedMar 16, 2023
Title CompanyM/I TITLE AGENCY LIMITED LC, M I TITLE AGENCY LTD LC

Transaction

AmountAmount on Record
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$3,141.60
Amount AccuracyFull Amount Stated
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address400 INTERNATIONAL PKWY STE 470, 470, LAKE MARY, FL 32746-5054

Transferred To (Grantee/Buyer)

NameVerified Name
Address16737 TOCCOA ROW, WINTER GARDEN, FL 34787-4166

Mortgage

Document Number0000498253
DateSep 23, 2020
Instrument20200498253
Lender
NameTRUSTCO BANK
TypeBank
Agreement
TypeConventional Mortgage
AmountAmount on Record
Term360 Months
DueSep 22, 2050

Tax Assessment & Valuation

The 2025 property tax bill for 16737 Toccoa Row was $4,915, up 5.3% from the year before.

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

Property Jurisdictions

TypeName
StateFlorida
CountyOrange County
MunicipalityWinter Garden City
Unified School DistrictOrange County School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2026$351,470 (+2.7%)$567,210 (-1.16%) Land $110,000 Building $457,210
2025$4,915.00 (+5.27%) Homeowner's exemption$342,230$573,850 Land $110,000 Building $463,850
2024$4,669.00 (+3.71%)
2023$4,502.00 (+3.04%) Homeowner's exemption$322,898 (+3%)$518,242 (+17.09%) Land $110,000 Building $408,242
2022$4,369.00 Homeowner's exemption$313,493$442,602 Land $100,000 Building $342,602

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

Flood

FEMA maps place 16737 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 ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it
Flood Insurance CostPremium on File
median of 77 policies
Community Rating SystemClass 5 (25% premium discount)
Nearby Flood Policies77 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 16737 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 RiskLow
lower than 64% of the US · lower than 90% of Florida
Wildfire Likelihood0.04% annual chance
ExposureIndirect
within ember reach
Adjoins Burnable LandYes

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 SystemWINTER GARDEN WATER DEPT (3 WPS)
serves 72,205 people · EPA ID FL3481481
Water SourceGroundwater
Last State InspectionFeb 2024
Also Mapped HereOCUD/SOUTHERN WATER SYS (5 WPS)
Lead3 ppb (2023)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and Reporting2
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

ProviderMax 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

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