16761 Toccoa Row, Winter Garden, FL 34787 Property Records

Orange County property record for 16761 Toccoa Row, Winter Garden, FL 34787

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,252 sqft · built 2020
Lot Size	0.193 acres (8,420 sqft)
Owner	Individual Name on Record
Last Sale	$449,600 (Oct 2020)
Tax Bill	$6,856 (2025)
Deeds & Mortgages	May 2023 Line of Credit Oct 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`05-23-27-7801-00-160`

Property Details

APN / Parcel Number

Primary APN	`05-23-27-7801-00-160`
Alternative APNs	`272305780100160` `134707` `135563` `137077`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Stories	1 Story
Building Area	2,252 sqft Living Area
Gross Area	3,088 sqft
1st Floor Area	2,252 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	8,420 sqft (0.193 acres)
Garage Type	Attached
Garage Area	462 sqft
Porch	Slab
Porch Area	374 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	16761 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 16
Legal Range	27E
Legal Township	23S
Legal Section	05
Legal Subdivision	SANCTUARY AT TWIN WATERS
Legal Lot Number	16
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	Individual Name on Record
Mailing Address	16761 TOCCOA ROW, WINTER GARDEN, FL 34787-4166
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 3, 2023	Deed of Trust, Mortgage · Line of Credit BANK OF AMERICA NA
Oct 2, 2020	Warranty Deed, Subdivision Related Transfer · Conventional Mortgage WELLS FARGO BANK NA

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 2, 2020 · Amount on Record
Deed Sale	Oct 2, 2020 · Amount on Record
Deed Document Number	2020514372
Record Updated	Jun 8, 2026

May 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ORANGE FL
Property Address	16761 TOCCOA ROW, WINTER GARDEN, FL 34787-4166
Transaction Type	Mortgage
Record Updated	May 23, 2023
Title Company	TITLE 365, TITLE365

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	16761 TOCCOA ROW, WINTER GARDEN, FL 34787-4166

Mortgage

Document Number	0000251621
Date	May 3, 2023
Instrument	20230251621

Lender

Name	BANK OF AMERICA NA
Type	Bank
Address	FORT WORTH, TX 76155

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	359 Months
Due	Apr 19, 2053

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

October 2020: Warranty Deed, Subdivision Related Transfer

Document Type	Warranty Deed
Jurisdiction	ORANGE FL
Recording Date	Oct 2, 2020
Property Address	16761 TOCCOA ROW, WINTER GARDEN, FL 34787-4166
Document Number	0000514372
Map Reference	MB 99 PG 66
Instrument Date	Sep 29, 2020
Instrument	20200514372
Transaction Type	Subdivision Related Transfer
Record Updated	Mar 16, 2023
Title Company	M/I TITLE AGENCY LIMITED LC, M I TITLE AGENCY LTD L C

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3,147.20
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	16761 TOCCOA ROW, WINTER GARDEN, FL 34787-4166

Mortgage

Document Number	0000514373
Date	Oct 2, 2020
Instrument	20200514373

Lender

Name	WELLS FARGO BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 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		$473,775 (+2.7%)	$540,490 (-1.14%) Land $110,000 Building $430,490
2025	$6,856.00 (+5.23%) Homeowner's exemption	$461,319 (+5.99%)	$546,730 (+10.59%) Land $110,000 Building $436,730
2024	$6,515.00 (+3.59%)
2023	$6,289.00 (+2.91%) Homeowner's exemption	$435,260 (+3%)	$494,391 (+16.99%) Land $110,000 Building $384,391
2022	$6,111.00 Homeowner's exemption	$422,583 Land $100,000 Building $322,583	$422,583 Land $100,000 Building $322,583

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

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