16744 Toccoa Row, Winter Garden, FL 34787 Property Records

Orange County property record for 16744 Toccoa Row, Winter Garden, FL 34787

Property Summary

Property Type	Single Family Home
Details	5 bd · 4 ba · 2,908 sqft · built 2020
Lot Size	0.166 acres (7,216 sqft)
Owner	2 Individual Names on Record
Last Sale	$539,460 (Aug 2020)
Tax Bill	$7,544 (2025)
Deeds & Mortgages	Jun 2022 Second Mortgage Aug 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`05-23-27-7801-00-390`

Property Details

APN / Parcel Number

Primary APN	`05-23-27-7801-00-390`
Alternative APNs	`272305780100390` `134735` `135590` `137106`

Interior

Bedrooms	5 Beds
Full Baths	4 Baths
Stories	2 Stories
Building Area	2,908 sqft Living Area
Gross Area	4,682 sqft
1st Floor Area	1,350 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	645 sqft
Porch	Slab
Porch Area	764 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	16744 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 39
Legal Range	27E
Legal Township	23S
Legal Section	05
Legal Subdivision	SANCTUARY AT TWIN WATERS
Legal Lot Number	39
Jurisdiction	ORANGE FL
Township / Civil Division	SOUTHWEST ORANGE
Census Block Group	1
Census Block	1000
Census Tract	17113

Owner

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

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	16744 TOCCOA ROW, WINTER GARDEN, FL 34787-4167
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 6, 2022	Deed of Trust, Mortgage · Stand-Alone Second Mortgage TYNDALL FCU
Aug 4, 2020	Warranty Deed, Subdivision Related Transfer · VA Mortgage GUARANTEED RATE AFFINITY LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 4, 2020 · Amount on Record
Deed Sale	Aug 4, 2020 · Amount on Record
Deed Document Number	2020410784
Record Updated	Jun 8, 2026

June 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ORANGE FL
Property Address	16744 TOCCOA ROW, WINTER GARDEN, FL 34787-4167
Transaction Type	Mortgage
Record Updated	Mar 17, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	16744 TOCCOA ROW, WINTER GARDEN, FL 34787-4167

Mortgage

Document Number	0000353390
Date	Jun 6, 2022
Instrument	20220353390

Lender

Name	TYNDALL FCU
Type	Credit Union
Address	PANAMA CITY, FL 32412

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Jul 1, 2037

August 2020: Warranty Deed, Subdivision Related Transfer

Document Type	Warranty Deed
Jurisdiction	ORANGE FL
Recording Date	Aug 4, 2020
Property Address	16744 TOCCOA ROW, WINTER GARDEN, FL 34787-4167
Document Number	0000410784
Map Reference	MB 99 PG 66-74
Instrument Date	Jul 30, 2020
Instrument	20200410784
Transaction Type	Subdivision Related Transfer
Record Updated	Mar 16, 2023
Title Company	M/I TITLE AGENCY LIMITED LC, M I TITLE AGENCY LTD LC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3,776.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	400 INTERNATIONAL PKWY STE 470, 470, LAKE MARY, FL 32746-5054

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	16744 TOCCOA ROW, WINTER GARDEN, FL 34787-4167

Mortgage

Document Number	0000410785
Date	Aug 4, 2020
Instrument	20200410785

Lender

Name	GUARANTEED RATE AFFINITY LLC
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 1, 2050

Tax Assessment & Valuation

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		$517,146 (+2.7%)	$700,320 (-1.35%) Land $110,000 Building $590,320
2025	$7,544.00 (+5.22%) Homeowner's exemption	$503,550 (+5.99%)	$709,870 (+14.6%) Land $110,000 Building $599,870
2024	$7,170.00 (+3.57%)
2023	$6,923.00 (+9.18%) Homeowner's exemption	$475,106 (+8.72%)	$619,452 (+22.28%) Land $110,000 Building $509,452
2022	$6,341.00 Homeowner's exemption	$436,996	$506,577 Land $100,000 Building $406,577

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

Flood

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
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.

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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