16767 Toccoa Row, Winter Garden, FL 34787 Property Records

Orange County property record for 16767 Toccoa Row, Winter Garden, FL 34787

Property Summary

Property Type	Single Family Home
Details	5 bd · 3 ba · 2,897 sqft · built 2020
Lot Size	0.221 acres (9,628 sqft)
Owner	2 Individual Names on Record
Last Sale	$447,760 (Jul 2020)
Tax Bill	$6,995 (2025)
Deeds & Mortgages	Jun 2026 Mortgage Jul 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`05-23-27-7801-00-150`

Property Details

APN / Parcel Number

Primary APN	`05-23-27-7801-00-150`
Alternative APNs	`272305780100150` `134706` `135562` `137076`

Interior

Bedrooms	5 Beds
Full Baths	3 Baths
Stories	2 Stories
Building Area	2,897 sqft Living Area
Gross Area	3,983 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	9,628 sqft (0.221 acres)
Garage Type	Attached
Garage Area	645 sqft
Porch	Slab
Porch Area	78 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	16767 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 15
Legal Range	27E
Legal Township	23S
Legal Section	05
Legal Subdivision	SANCTUARY AT TWIN WATERS
Legal Lot Number	15
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 June 22, 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	16767 TOCCOA ROW, WINTER GARDEN, FL 34787-4166
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 11, 2026	Deed of Trust, Mortgage · Conventional Mortgage FAIRWINDS CREDIT UNION
Jul 6, 2020	Grant Deed, Subdivision Related Transfer · Conventional Mortgage M&I FIN'L

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 6, 2020 · Amount on Record
Deed Sale	Jul 6, 2020 · Amount on Record
Deed Document Number	2020361619
Record Updated	Sep 20, 2026

June 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ORANGE FL
Recording Date	Jun 11, 2026
Property Address	16767 TOCCOA ROW, WINTER GARDEN, FL 34787-4166
Document Number	0000326626
Instrument Date	Jun 4, 2026
Instrument	2026326626
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	MORTGAGE TITLE SERVICES INC, MORTGAGE TITLE SERVICES

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	16767 TOCCOA ROW, WINTER GARDEN, FL 34787-4166

Mortgage

Document Number	0000326626,
Date	Jun 11, 2026
Instrument	2026326626

Lender

Name	FAIRWINDS CREDIT UNION

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	240 Months
Due	Jun 9, 2046

Interest

Rate Type	Fixed Rate
Rate	6.37%
Initial Type	Fixed Rate
Max Rate	-1%

July 2020: Grant Deed, Subdivision Related Transfer

Document Type	Grant Deed
Jurisdiction	ORANGE FL
Recording Date	Jul 6, 2020
Property Address	16767 TOCCOA ROW, WINTER GARDEN, FL 34787-4166
Document Number	0000361619
Instrument Date	Jun 30, 2020
Instrument	361619
Transaction Type	Subdivision Related Transfer
Record Updated	Jul 30, 2020
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	$3,134.00
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	16767 TOCCOA ROW WINTER GARDEN FL 347874166, WINTER GARDEN, FL 34787-4166

Mortgage

Document Number	361620
Date	Jul 6, 2020
Instrument	361620

Lender

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

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 5, 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		$482,575 (+2.7%)	$678,820 (-1.32%) Land $110,000 Building $568,820
2025	$6,995.00 (+5.22%) Homeowner's exemption	$469,888 (+5.99%)	$687,900 (+14.35%) Land $110,000 Building $577,900
2024	$6,648.00 (+3.58%)
2023	$6,418.00 (+13.33%) Homeowner's exemption	$443,345 (+12.38%)	$601,597 (+24.94%) Land $110,000 Building $491,597
2022	$5,663.00 Homeowner's exemption	$394,510	$481,510 Land $100,000 Building $381,510

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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