16689 TOCCOA ROW, WINTER GARDEN, FL, 34787
Active170 days on marketListed Feb 3, 2026MLS #O6379132
About this home
16689 TOCCOA ROW
Luxurious 5-bedroom 5-bathroom home with TWO MASTER SUITES. The primary suite is on the second floor. The second suite is located on the first floor. 8 x 48 Ceramic tile with warm wood-look throughout the entire home. Massive Kitchen Island. Quartz Waterfall for Kitchen Island. Farmhouse Undermount Cast Iron Kitchen Sink. Butler’s Pantry area and Large Walk-in pantry between the Kitchen and Dining Room. Solid wood 42-inch cabinets with undermount lighting and soft-close doors and drawers. Pot filler above the gas cooktop. Stainless steel appliances include a built-in oven and microwave. Custom-built-in wine storage, wine and beer refrigerators under the stairs. Outside Covered Patio on first floor and covered second floor patio overlooking the enormous pool and spa. Surround sound setup with Ceiling Speakers both on the interior of the home. Outdoor kitchen with sink, refrigerator, cooktop, gas, and charcoal grills. Natural Gas Community with underground natural gas for outdoor grill, kitchen cooktop, pool and spa heater. Community Pool with restrooms, Recreation Area with kids' playground, dock, and Lake Access to Lake Avalon.
Facts & features
The home at a glance
5
Bedrooms
5
Bathrooms
3,458
Sqft
0.21 ac
Lot size
2
Garage
2022
Year built
Two
Levels
$373
Per sqft
Inside
Outside & construction
Community & fees
Utilities & systems
The numbers
What it really costs
Built from this home's actual numbers — the most recent property-tax bill on record and the real association fee — not generic estimates.
$8,787 /mo · 10% down Conventional, 30-yr fixed at 6%
The assumptions
Above the FHA loan limit for our service areas, so Conventional is the default. VA buyers: switch below — $0 down.
These numbers assume a generic buyer — your credit, down payment and loan program change them. Get the real quote in minutes:
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Run your own numbers
FHA isn’t available at this price — the loan would exceed the $541,287 FHA limit for our service areas.
Estimated payment
$8,787/mo
Includes estimated PMI — it drops off once you reach 20% equity. Taxes reflect the most recent bill on record; insurance is a typical-Florida estimate. Your lender’s numbers will differ. CENTURY 21 Edge partners with Florida’s best lenders.
Value check
Is the price right?
The internet’s favorite home-value number comes from a single automated model that has never seen the street, the finishes, or the view — which is why it routinely misses by tens of thousands of dollars. The edgeAI estimate combines multiple independent data sources with our team’s on-the-ground expertise in this exact market.
vs edgeAI estimate
−9.2%
Days on market
170 vs 31 typical
The edgeAI estimate is a starting point, not an appraisal or a broker price opinion. It is generated from public records, listing data and market modeling, and is subject to change once a licensed real estate professional personally inspects the property. Condition, floor, view and lot are not fully captured by any model — ask us for a full comparative market analysis.
Where it sits
Inside Winter Garden
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know Winter Garden. See the full Winter Garden guide →
WINTER GARDEN 34787 — neighborhood snapshot
Population
93,064
Median age
37.4
Median income
$114,988
Median home value
$475,000
Avg household
3.02
Households w/ children
13,499
For the school run
Orange County School District
School assignments and ratings via edgeAI — always verify with the district.
The numbers that matter
The Winter Garden market
$580K → $570K
Winter Garden median sold, yr/yr
97.7%
Sale-to-list ratio (12 mo)
Median sold price, Winter Garden, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 143% above the WINTER GARDEN 34787 median. See the full Winter Garden market guide →
Paper trail
This home's history
Your home team
The pros in your corner
Buying a home is two conversations — the home and the money. Here’s who handles each, side by side, already working together.
Your agent
Steeve Cadeau
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 16689 TOCCOA ROW — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 16689 TOCCOA ROW — before you fall in love.
See it in person
Schedule a tour
Pick a day that works — this goes straight to Steeve's phone and CRM.
Straight answers
16689 TOCCOA ROW FAQs
What would the monthly payment be for 16689 TOCCOA ROW?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $8,787/mo — principal and interest, the actual property-tax bill, the $165/mo association fee and typical Florida insurance. The payment calculator on this page lets you switch loan type (FHA, Conventional, VA) and adjust the down payment, rate and term.
How much are the HOA fees at 16689 TOCCOA ROW?+
The association fee works out to $165 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 16689 TOCCOA ROW?+
The most recent tax bill on record (2024) was $12,205. A new owner's bill can differ once the sale price resets the assessed value — we can walk you through what to expect.
Are pets allowed at 16689 TOCCOA ROW?+
The listing reports pets: Cats OK, Dogs OK, Yes. Communities often layer on breed or weight rules — we'll verify the specifics with the association before you commit.
How does the price compare to other homes in Winter Garden?+
At $1,290,000, this home is listed about 119% above the Winter Garden median of $589,945. The market section on this page shows how the area is trending.
Which schools are assigned to 16689 TOCCOA ROW?+
Sunridge Elementary (elementary), Sunridge Middle (middle), West Orange High (high) — Orange County School District. Always verify school assignments with the district before relying on them.
The brief
Four things that matter here
01Positioned at the premium end
$1,290,000 runs 143% above the WINTER GARDEN 34787 median — but at 3,458 sqft it's also 59% larger than the typical Winter Garden listing.
02Your own pool
A private pool — the feature Florida buyers ask for first, already in the ground and included in the price.
03Time on market is leverage
170 days on market against a Winter Garden median of 31 — sellers in this position are usually ready to negotiate.
04Strong assigned schools
Sunridge Elementary, Sunridge Middle, West Orange High — Sunridge Middle rates 4 of 5. Always verify assignments with the district.
Listing courtesy of CHARISMA REALTY CORP · Charisma Marin. MLS #O6379132.
IDX information is provided exclusively for consumers’ personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Data is deemed reliable but is not guaranteed accurate by Stellar MLS.
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